23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

BB & T Bank, DBA XXXX XXXX XXXX has been collecting {$500.00} per month from me for the past two years on a simple interest loan. After payments totaling approximately {$12000.00}, my balance has only decreased {$300.00}. I am unable to get any reasonable explanation. This appears predatory. There are numerous consumer complaint websites that report the same idetical problem. Here is one ( I can provide many more ) XXXX XXXX XXXX XXXX XXXX ( copy and paste into browser ) It is alos intersting to note that 27 or 28 consumber reviews on the Better Business Burea website are negative : XXXX XXXX XXXXXXXXXXXX XXXX ( copy and past into browser ). My biggest fear is that BB & T ( XXXX XXXX XXXX ) will just continue to give me phony and nonsensical responses. Because of the large number of identical complaints on the web, I am assuming their business model involves stringing customers along until eventually they have no option to default ( cars CAN NOT BE REFINANCED DUE TO THE NEGATIVE EQUITY CAUSED BY THE BALANCE NEVER DECLINING! ). By the time the consumer defaults and the car is repossessed and sold, BB & T has made it 's money. Strange way to do business. I personally was victimized again when I went to purchase a new car to get out of this loan. I was offered a 2.9 % interest rate. The only way I could have refinance is to have come up with {$12000.00} to cover the negative equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent Experian a request to validate that Bankruptcy Chapter XXXX reporting on my credit file. Experian continues to report this inaccurate information. Have failed to provide a copy of any viable evidence submitted by Bankruptcy chapter XXXX. 
I have advised Experian that an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Also, they need to be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
They have not provided me any documents bearing my signature, showing that I have a legally binding contractual.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI requested a security freeze with LCI Inc. I received a letter back dated XX/XX/2019 that they are unable to do such a thing because they are not a Credit Reporting Agency blatantly implying they do not have to follow the credit reporting laws that protect consumers. This company has a partnership with XXXX where it FURNISHES information ( public bankruptcy details ) and that is REPORTING. This can not possibly be legal. They also stated in said letter that they do not need my permission to share information under applicable federal law or regulation. If they are furnishing/reporting/supplying/verifying information with a Credit Reporting Agency or another similar company then they should be compliant with the consumer credit reporting laws.
Product: Credit card or prepaid card

XXXX XXXX, XXXX cbna/thd company made a hard inquiry to my account. this was unsolicited and not authorized
Product: Checking or savings account

Wells Fargo has discriminated against me on multiple occasions. It was profoundly disheartening that every claim I submitted was dismissed without any investigation or consideration. Despite providing thorough documentation and clear evidence to support my requests, I was met with indifference and skepticism rooted in biases rather than facts. Each interaction reminded me that my concerns were overlooked as if my identity alone tainted my credibility. This pattern of denial not only undermined my trust in the institution but also highlighted a troubling disregard for equitable treatment, leaving me feeling marginalized and frustrated in a space that should have been supportive and fair. The last claim filed on XXXX wasn't even given an actual investigation nor did anyone from this company reach out to get more details, proof, etc. EVERY SINGLE CLAIM IS DENIED EVEN WITH PROOF!!!! Very racially motivated.
Product: Debt collection

I setup a payment plan in XX/XX/XXXX. The payment schedule they agreed to, was never properly followed by Conns. They withdrew monies that went against our arrangements. 

I made an initial payment to them, and I received another settlement offer, despite being on a payment plan. 

I called in XXXX to schedule an arrangement for {$50.00} per month beginning XX/XX/XXXX. Instead of attempting to withdraw those funds for {$50.00} they attempted {$240.00}. They never even attempted to withdraw {$50.00}. 

They have broken agreements and continued to send collection and settlement offers while my payment plan was in good standing. 

I want to resolve this account, but it needs to be done in a way that is ethical and we are on the same page. I am at a point where I do not trust giving my financial information to them.
Product: Credit reporting or other personal consumer reports

These accounts they've reported on my consumer profile were incorrect and I demand for the elimination of these items as soon as possible. 

XXXX XXXX XXXX Account # : XXXX >>> XXXX  XXXX Account # : XXXX >>> XXXX  XXXX Account # : XXXX XXXX XXXX  XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express XXXX {$3400.00}. Credit score dropped over 40 points overnight! 
XXXX XXXXXXXX XXXX  XXXX {$1300.00} Credit score dropped over 20 points for no reason! 
XXXX XXXX Negative accounts reported misleading and false. 
XXXX XXXX Negative accounts reported misleading and false. 
XXXX XXXX Negative accounts reported misleading and false. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have no late or delinquent accounts!
Product: Debt collection

I was seen at XXXX XXXX XXXX XXXX  (XXXX, OK)  in the emergency room XX/XX/XXXX. 
When I was seen there I gave them my VA medical card. The hospital never sent me a bill or reached out to me for payment. 
A company ran my credit and told me I had something in collections in XX/XX/XXXX. That was the only way I knew something was negative on my credit. I was never contacted by XXXX XXXX or AMCOL, the collection agency that XXXX XXXX sent my bill to. I have since contacted XXXX XXXX and they apologized  and told me a mistake was made, they had me as a "no insurance" patient and sent it my bills to an address I had in XX/XX/XXXX! 

The amount with AMCOL Systems Inc- $XXXX. 

I'm a Veteran and have been dealing with he VA billing department and XXXX XXXX billing department. I was told this was taken care of. It should not be on my credit report. 

I have spoken with AMCOL in XX/XX/XXXX and made 1 payment ($300). But I was told by the VA not to pay on it any longer. It's been taken care of.
Product: Credit reporting or other personal consumer reports

Today, I was surprised to find incorrect accounts appearing on my credit report, and I dont understand why. I regularly review my report, but this time, there were unexplained inconsistencies. Hoping it was just a display error, I refreshed my browser, but the accounts were still there. Given this issue, I kindly ask for a careful examination of the documents I submitted to ensure I wont have to deal with this again.
Product: Debt collection

The person is committing fraud I do not have a account with bull energy
Product: Credit reporting or other personal consumer reports

I wrote already a letter to XXXX and Experian regarding personal information incorrectly reporting on my credit report but I've never lived or associated with the addresses they are reporting. I want these addresses that they're reporting removed from my report.The only address that I have lived at for the past 12 years is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. The incorrect addresses that they are reporting are as follows : For Experian they're incorrectly reporting this addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 
For XXXX they're incorrectly reporting these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. Lastly, for Experian they're reporting my name inaccurately as " XXXX XXXX '' and I don't go by that name at all. Please have someone look at this. I made an FTC report and I sent to each agency after instructed to by them and nothing was done.
Product: Credit card or prepaid card

I submitted complaint id XXXX XX/XX/2019 my personal loan was created in bad- faith as to the terms. 
The representatives were deceptive as included in the recorded call supplied from XX/XX/XXXX Correspondence was never sent to me as requested. 
My credit card spending privileges have been suspended despite making timely payments
Product: Debt collection

I recently received a letter from Pinnacle a debt collection agency listing their address as XXXX XXXX XXXX, XXXX, CA XXXX. Their phone number is listed as ( XXXX ) XXXX. 

They asserted that I owed a delinquent maintenance obligation to XXXX XXXX XXXX. At first, this name did not ring a bell. After further research, I discovered that my late father, who died in XX/XX/XXXX, who has the same name as me ( XXXX XXXX XXXX XXXX had purchased a one-week timeshare at XXXX XXXX XXXX XXXX XXXX , SC. After he passed away, we set up a trust to manage the affairs of my mother, who moved to Louisiana in XXXX. The trustee attorney, XXXX XXXX of XXXX, Louisiana, handled her legal affairs. XXXX XXXX was not explicitly called out in my fathers probate documents. During the time he owned it, neither he nor my mother ever used it. She did not know that he had purchased a timeshare. 

However, we started receiving notices on whether we wanted to rent out the timeshare, which we responded to affirmatively. However, even after the rental, we received notices that my father owed a maintenance fee of {$100.00} each year, which the trust paid. I was never associated with the property or had it transferred to my name. 

After my mother passed away in XXXX, I asked XXXX XXXX to dispose of the timeshare agreement as part of her probate process. He was not convinced that it had any force, given that it was in my fathers name, and he was deceased. We received no other letters from XXXX XXXX after her probate. XXXX XXXX passed away in XXXX. 

I thought about contacting Pinnacle directly. However, I thought that this might be a scam. I receive many crank phone calls from numbers where I am urged to contact them to Keep my electricity from being turned off, take advantage of a loan offer, or a fake job offer. Although none of these entreaties apply, there is often an element that comes across as truthful. 

In this case, if XXXX had been trying to collect for this long against me, it should have appeared in my credit reports. I ran all three of the major credit agency reports, and nothing came up. When I checked the XXXX XXXX website, it indicated that the facility was closed. 

I will assume that this letter represents a more sophisticated form of letter SCAM and ignore it. However, I thought you might be interested. The scam phone calls on other topics ( often the same message from continuously changing phone numbers ) and emails are increasingly numerous. 

A copy of the letter is attached.
Product: Credit reporting or other personal consumer reports

Hello, I'm reaching out because at this point, I don't know where to tun, I've already reported that my Identity has been stolen, and Equifax has done nothing to help me. I uploaded my identity report and everything. My life has taken a complete turn for the worst because of this, I Can't even get approved for a car or a place to stay because of all this. XXXX has been wonderful! They have already removed all the fraudulent account. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Now I'm just waiting on Equifax XXXX I don't know where to turn at this point. I can't even fathom how I am the one being punished for something that some criminal did to me! Please help in any way you can. it would be truly appreciated. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the Fair Credit Reporting Act. I have already filed complaints against the creditors listed above with the Attorney General in their states as well as with other pertinent and applicable law enforcement entities. I look forward to an uneventful resolution of this matter. Thank You in Advance.
Product: Mortgage

I closed on my home XX/XX/XXXX and my first payment was due XX/XX/XXXX. From that date I have made a payment of XXXX to Wells Fargo Bank ( WFB ), {$100.00}, more than the required payment. ALL PAYMENTS through XX/XX/XXXX were made before being due on the first. ( wfb.pfd XXXX ). On XX/XX/XXXX, I made a mistake in my online billing date for XX/XX/XXXX and dated the pay date for XXXX XXXX. When that payment came out it made my account overdrawn. I quickly called my bank and Wells Fargo and had the payment reversed. ( Wfb.pfd XXXX & XXXX ). With this item being reversed, I thought everything was ok until I started getting calls from WFB say I was late on my payments. I called and talked to a couple of people that did not seem to want to help. Finally I had called earlier and had my bank on the phone and arranged a 3-way call to get this fixed. We were transferred 4 times and finally hung up on. I called back and told them I wanted to speak to a supervisor. I talked to XXXX XXXX and told him of the issue. I told him I had evidence that proved that the XX/XX/XXXX payment was made. ( wfb.pfdH-XXXX thru XXXX ). The next day I talked to him and he seemed to think this would be taken care of in a swift matter. The matter was turned over to XXXX XXXX XXXX who would open a case to fix this. In the mean time I receiving late afternoon phone calls and mail to collect a debt. Phone calls were from XXXX XXXX ( wfb.pfd. XXXX, XXXX, XXXX ). I was receiving a lot of mail for debt collection, when I was not in debt for one day. ( XXXX, XXXX, XXXX to XXXX, and XXXX ). Statements from WFB came showing that the XX/XX/XXXX and XX/XX/XXXX payments were received. ( wfb.PDF XXXX & XXXX ) At this time WFB started playing this reversed items and Applied items making my account status very hard to keep up with. ( wfb.PDF XXXX ). At this time I am so upset that it is causing health concerns, not sleeping good and spending to much time on the phone. To a simple old man I could not make sense of the trouble I was going through, NEVER BEING LATE for any on payment. I still am concerned about my credit report although XXXX said they did not turn information to them, THERE IS NO TRUST WITH WFB. I also found out last Saturday ( XX/XX/XXXX ) that the VA had been contacted ( wfb.PDF XXXX & XXXX ). Again why do you contact the VA when the loan is not overdue for 1 hour in the life of the load. Today ( XX/XX/XXXX ) I received another letter telling me I was late with threats. ( wfb, PDF XXXX & XXXX XXXX
Product: Mortgage

My mortgage was sold to Loan Care Servicing in XXXX. My payment was duplicated on XXXX XXXX, ( my fault ) and requested a refund. After numerous faxes, emails and phone calls, by XXXX XXXX my payment was still not refunded. Since I 've never been late on a mortgage payment and since it was so close to my next payment due date, I requested them to recast my payment to XXXX XXXX payment. I was told every time that it 'll take a few days. I called on XXXX XXXX and spoke with a " supervisor '' and she gave me her word that the payment was going to be applied to my XXXX XXXX payment by XXXX XXXX. I called today, XXXX and was told it will be processed by XXXX XXXX. I asked if the interest was going to be adjusted and also if my payment was going to backdated to XXXX XXXX, since they were in possession of the money. I was told in no uncertain terms, that that is not something they do. There are over 90 complaints about this company on XXXX, all with similar complaints and clients complaining that issues were stalled just so that they can charge fees. XXXX
Product: Consumer Loan

On XXXX/XXXX/XXXX, I sent a payoff to Loan Depot in the amount of {$34000.00} for a loan balance of # {$33000.00}. Due to untimely payment processing I ordered a stop pay on XXXX/XXXX/XXXX. At that time my bank issued another check to loan depot in the amount of {$34000.00}. Again due to untimely payment processing I ordered a stop payment on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called Loan Depot to payoff the loan via ACH over the phone. At that time Loan Depot was unable to accept my payment because the prior XXXX checks were not returned. Loan depot stated that they would honor my XXXX/XXXX/XXXX payoff as soon as their system allowed for an ACH payment. Loan Depot 's system updated on XXXX/XXXX/XXXX to allow for me to make an ACH payment. When I called to pay, I was told that my payoff is as of XXXX/XXXX/XXXX, not XXXX/XXXX/XXXX. I was told by the customer service representative that it was my fault their system would not allow them to accept my payoff on XXXX because of the stop pays, therefore, I was being charged an additional 20 days of interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still reporting my XXXX  XXXX XXXX account ending in XXXX on my credit file I just received a letter from XXXX  XXXX XXXX stating that they changed the opening date of when I opened the account to XX/XX/ which then means that it is past the 7 year mark that it should be on my credit file and I now want it to be removed immediately from my credit file from all three credit bureaus please I will include a screen shot of the letter I received from XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

am submitting this complaint regarding Experians continued reporting of inaccurate addresses on my credit report. On XX/XX/scrub> 2025, I sent a formal letter requesting the removal of incorrect personal information, specifically addresses not associated with me. 

On XX/XX/year>2025, I received an email with the dispute results. While some addresses were removed, there are still additional addresses on my report that I have never lived at or used. I have disputed these inaccuracies previously, yet they continue to be reported.
Product: Credit reporting or other personal consumer reports

CFPB- I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND ( BUREAU XXXX DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED IMMEDIATELY UPON RECEIPT.
Product: Credit reporting or other personal consumer reports

THE FOLLOWNG ACCOUNTS WERE OPENED FRADULETLY IN MY NAME AND DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FOLLOWING INQUIRES DONT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have all my mortgage payments, made, up to date, I have no delays. The mortgage company Caliber Home Loan wants to refinance me for XXXX  years. I do not agree because I have complied with the payments, without a day late, since I bought my property. This company changed its online system and had many problems in addition to mishandling customers. 
Since XX/XX/2021 I do not have access to the mortgage account, I do not know how much I have paid, I do not know how much I owe, I could not get the loan information to do my taxes, it did not allow me to make the payments on said page ( my account online ). The customer service agents had different information on the same account. Said by themselves, they had a lot of problems with their online page and with customers. Quite a big deal. For now, you want to affect your customers. 
Until now, I have made all the corresponding payments and additional payments that have been requested ( because I do not have access to the loan ), however, it has not helped.
Product: Debt collection

I am writing to dispute the accuracy of information reported by Absolute Resolutions Investments regarding an account allegedly owed to XXXX XXXX XXXX XXXX. I would like to bring to your attention several critical issues surrounding this account, including a violation of the Fair Credit Reporting Act ( FCRA ). 
1. Account Details : Creditor : XXXX XXXX XXXX XXXX XXXX Collector : Absolute Resolutions Investments Date of Dispute Initiated : XX/XX/year> Date of Negative Reporting : XX/XX/year> Background Information : I initiated a dispute regarding this account on XX/XX/year>, requesting validation of the debt. However, XXXX XXXX XXXX posted a negative remark on my credit report on XX/XX/year>, before the legally mandated XXXX dispute period had expired. This action is not only premature but also constitutes a violation of the FCRA, specifically Section 623, which mandates that furnishers of information must not report information while a dispute is pending. 
3. Lack of Documentation : The documentation I have received, dated XX/XX/year>, does not substantiate their claim. Specifically : There is no contract with my signature indicating that I owe this debt. 
There is no 1099-B form. 
The only items provided were copies of remittance coupons and proof of security purchase, which do not establish my liability. 
Request for Action : I am requesting the following actions : An immediate investigation of this matter under FCRA Section 609, which allows consumers to dispute inaccurate information.

The removal of the negative remark related to this account from my credit report due to the violation of the FCRA while my dispute was pending.

Verification of this debt per my original request, as I have not received sufficient documentation proving that I owe this amount I am asserting my rights as a consumer under the Fair Credit Reporting Act, particularly : Section 609 : Right to request information regarding the account.

Section 611 : Procedures for disputing inaccurate information.

Section 623 : Responsibilities of furnishers of information during disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2019 at approximately XXXX I applied for a business credit card online through spark capital one. The application asks for my EIN number. It also asks for my social security number under the owner. When I put the cursor on the? under ss. It states that it was only asking for your social security number for identification purposes only. As soon as I submitted the application, I got an email on my credit alert. It stated I received an inquiry and my credit went from exceptional to good because it lowered my points with the inquiry. I called Capital One immediately and was told that this was part of the process. I explained to her that it was misleading. I have 4 cards with capital one already and this account was strictly business. I pride myself on being responsible with my credit and not over using not getting too many inquiries. She would not remove it saying this is the process. I NO LONGER WANT a business card with them. I am LIVID!!!!