23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had lost my job in 2015 and had picked up two more jobs to help pay for living expenses and the mortgage on my families home. They didnt pay enough and I had to dip into my savings until it was close to running out and I had reached out to Wells Fargo to let them know what my financial situation was like and that I was still looking for openings in my career with no luck while still working other jobs. They put me on a plan where I pay less but they counted it as missed payments. I was being proactive and worked hard and eventually payed off the amount they continued to add that I didnt pay them. And then was able to keep up with payments the following year until we finally sold the home. I feel that the hits to my XXXX  score dont reflect what the situation was and doesnt reflect me and my financial responsibility. I would like to have my XXXX score increased and not show the derogatory remarks given the circumstance. Which will hinder me for another three more years. For losing my job. I feel that I am as responsible as they come and proactive as they come and my XXXX score is not really giving lenders a true picture of my ability to pay them.
Product: Student loan

Okay, yesterday I was shocked to find out my refund has been offset again. After all day on the phone the only answer I got was okay we will put a dispute on your offset. This was told to me by the collection agency that works with Dept. of education. This was XXXX XXXX. I filed these loans over twenty years ago. Over the years I worked for 10 years I had my wages garnished weekly for a total that could buy me a college! Also year after year from approximately XXXX till now EVERY refund has been taken as well. This is where it gets very interesting I asked and pleaded for my payment details. I believe there is either a HUGE error or something.. Now when I was a kid I really didnt take track BUT I do know I have transcripts and my family didnt have much so I also received grants and aid. There is no way this can still be unpaid. I didnt even graduate!!! So I learned the hard way. I want to know what do I have to do because NOBODY is giving me an answer. I am in financial ruin and was relying on that refund. Please help!!
Product: Checking or savings account

On XX/XX/XXXX I mobile deposited a check into my account then they held the funds to wait for the check to clear then they emailed me and wanted to confirm the activity on my account to make sure it wasn't suspicious and they froze my account on XX/XX/XXXX and have not released my funds or allow me back into my bank account the check was for {$1100.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed below have violated my federally protected consumer rights regarding privacy and confidentiality. Specifically, these violations include : 15 U.S.C. 1681c-2 Failure to block information resulting from identity theft 15 U.S.C. 1681 Congressional findings and statement of purpose 15 U.S.C. 6801 Failure to protect nonpublic personal information 12 CFR 332.4 Failure to provide an initial privacy notice to the consumer 15 U.S.C. 1681i Failure to follow procedures for disputes regarding accuracy 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance 15 U.S.C. 1681b Obtaining and using consumer reports for impermissible purposes 15 U.S.C. 1681s-2 Furnishers failure to meet responsibilities when reporting to consumer reporting agencies 15 U.S.C. 1691e Civil liability for violations of the Equal Credit Opportunity Act 15 U.S.C. 1692e False or misleading representations in debt collection 15 U.S.C. 1692d Harassment or abuse in debt collection 15 U.S.C. 1692f Engaging in unfair debt collection practices 15 U.S.C. 1692c Unlawful communication practices in debt collection 15 U.S.C. 1681q Obtaining consumer information under false pretenses 15 U.S.C. 1666b Failure to comply with payment timing requirements 15 U.S.C. 1681e Failure to implement proper compliance procedures XXXX XXXX Opened ; XX/XX/XXXX Balance ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance ; {$1800.00} XXXX XXXX XXXX Open ; XX/XX/XXXX Balance ; {$940.00} These violations constitute a direct infringement of my federally protected consumer rights. I request immediate action to rectify these infractions in accordance with applicable federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX Bank Account XXXX n accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

The auto company I financed through sold me a lemon vehicle then illegally repossessed it because I wanted them to fix it. I was not behind on the loan. They lost the contract and admitted they forged my signature on a new one and sold the debt to this agency. I tried to work with the collection agency and work something out, they then decided to serve me paperwork and are continuing to add more money to the amount owed everytime I dispute the collection. The collection doesn't belong to me. It's fraudulent and the collection agency is using predatory practices and dinging my credit as retaliation anytime I try to justify the situation.
Product: Credit reporting or other personal consumer reports

I have filed a multiple disputes with the companies directly. I have even filed a dispute on this website for the companies about incorrect information on my credit report that they refuse to remove and this has been going on for XXXX years. I have multiple disputes on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to addend the complaints that was filed on XX/XX/20 # XXXX and # XXXX. Based on the credit report that we just received from Credco. We discovered the WRONG SSN/NAME/DOB ( it is my brother XXXX XXXX XXXX ) was used from the XXXX  data ( page 23 ). There are 30 mistakes total ( with red X ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Account it's obsolete and should be remove from my credit files, as exceed the max of 7 year in my credit file in TransUnion.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX    XXXX   I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, trustee XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX Nelnet , Inc . 

Subject : Formal Dispute of Fraudulent Debt Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the debt associated with account number XXXXXXXXXXXXX, allegedly transferred from the Department of Education to Nelnet , Inc . This debt is fraudulent, and I have no record of ever opening such an account. Additionally, I never provided consent for the Department of Education or Nelnet to share or use my personal information in any capacity. 

This account is currently inaccurately reporting on my XXXX credit report. XXXX and XXXX have already removed the fraudulent account following thorough investigations. TransUnions continued reporting of this account is a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, as they are failing to comply with their obligations to report only accurate information. 

I have already reported this fraudulent account to the Federal Trade Commission ( FTC ), the XXXX Police Department, and the Attorney Generals Office. Additionally, I have recently filed a complaint with the FBI regarding XXXX and Nelnets continuing non-compliance. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I demand : 1. Complete validation of the alleged debt, including all documentation proving the debts validity and showing any authorization on my part to open this account.

2. Proof of my explicit consent, including my signature, authorizing any sharing of my personal information with Nelnet.

3. Immediate cessation of all collection activities, including reporting to any credit reporting agencies until validation is provided. 

Additionally, under the XXXX XXXX credit reporting standards, you are responsible for ensuring that all reported information is accurate. Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ), established that parroting information from an original source without conducting a thorough investigation violates both FCRA and FDCPA standards. 

If you fail to provide the requested validation within 30 days of receipt of this letter, I demand the following actions : XXXX. Cease all collection activities permanently. 
XXXX. Remove this account from my credit reports and all consumer reporting databases. 
XXXX. Notify all credit reporting agencies that this account is fraudulent and disputed. 

Failure to comply will result in further legal action, including escalation to additional regulatory and law enforcement authorities. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX, trustee XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Regarding Data Breach and Violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Dear to who it may concern I am writing to file a formal complaint regarding a massive data breach that has affected Billions of individuals, including myself. The breach, which reportedly involves the exposure of sensitive personal data of XXXX XXXX people, has led to widespread identity theft and fraudulent activity. I believe that the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, has been violated in my case.

Details of the Breach and Impact : I have become aware that my personal information, including my Social Security Number, address, date of birth, and financial details, was compromised as a result of the National Public Data breach ( NPD ). Since the breach occurred, I have noticed unauthorized accounts opened in my name, as well as incorrect information being reported on my credit file. 

I have notified the credit bureaus ( XXXX, XXXX, and XXXX ) of the fraudulent activity, but the issue persists, and inaccurate information remains on my credit report. As of today, I have not received a timely or satisfactory resolution regarding the correction of this inaccurate information, nor have I been provided with the protections guaranteed under FCRA 15 USC 1681, which mandates that consumer reporting agencies must delete inaccurate or incomplete information on a consumers credit report.

Violation of FCRA ( 15 USC 1681 ) : Under the Fair Credit Reporting Act ( 15 USC 1681 ), credit reporting agencies and users of consumer reports are required to take reasonable steps to ensure the accuracy of information in consumers reports. Specifically, Section 1681i outlines that consumers have the right to dispute any information they believe is incorrect or incomplete. Despite my efforts to notify the bureaus and request a correction, I am still facing the consequences of this data breach, which has impacted my creditworthiness and financial stability.

Additionally, Section 1681c-2 mandates that consumers be informed when negative information is reported on their credit file due to fraud. I have not received adequate communication or updates regarding the status of my disputes or any steps taken by the bureaus to investigate the fraudulent activity.

Request for Resolution : I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that my credit file is corrected in compliance with the Fair Credit Reporting Act ( 15 USC 1681 ). Specifically, I am requesting :
Product: Vehicle loan or lease

I placed an online order for a Tesla car. 

Reading through the website. They mentioned that they have {$250.00} non refundable fees, which I agreed to accept and wanted Tesla to finance the car. Their system would not let you continue with an order without first paying the {$250.00} then you can apply for financing. 

The website did not clearly indicate that approval for financing is not related to the {$250.00} non refundable deposit. I was denied credit and now i have choice of pay for the car cash or lose my {$250.00} deposit When I contacted Tesla, they stated that this is in the " agreement '' i clicked on to accept, which is really the fine print that no one reads, also the application designed to force you to pay the deposit before you get a decision on the financing. You can not even see your financing options or conditions before you pay that deposit. I think this might be legal by adding the fine print that no one reads but its unethical and a way to rob customers of a deposit.
Product: Consumer Loan

On XX/XX/XXXX I recevied a message on my phone stating that I am past due for payment on my auto loan. I was n't sure why seeing that I had recently made a payment! I called the number left on the voicemail, a representative started off asking for verification of my name, address, phone number and give the make and model of my vehical. The next statement that was said was : XXXX you owe $ $ $ on the XX/XX/XXXX loan and will you be paying today! I said wait why must I pay in full the balance of my loan today! I was told that my loan has expired and I need to pay now! I was confused since it was never told to me that my loan was near the end! I have never missed a payment and I figured the loan was calculated based on the monthly payments!! She then ask what can I pay, I explained that it 's on XXXX payments basically left and that I will continue as usually! She said " that 's not unexceptionable ''!! If I do n't pay in full immediately that my loan will be " charged off ''. I expect to pay my loan in full interest and late fee, but you want to damage my credit! I have paid {$420.00} for 5 years and I 'm at the very end and this is how you treat your better that good customers!! I asked to speak with a manager/supervisor because in very upset now! I was placed on hold for a while, when the manager/supervisor came on he proceeds to say that when I told my extensions that it 's needed to pay the loan in full! I told him as I was approved for my XXXX tensions I was never explained other than this will extend the loan. I was never told that I would be expected to pay my balance of the loan a moments notice regardless, nor was I given in advance notifications regarding this matter and their expectations! He proceeded to ask if I can borrow money from somewhere! I feel like I was being " strong armed '' by the financing company!! I have worked hard for XXXX yrs too make each payment on this loan with the high interest rate and told I 'm a valued customer with great payment history, but denied refinancing when requested! I am trying to rebuild my credit and for this to happen would be devastating! I feel this is totally wrong and very poor customer service! Please help!
Product: Mortgage

We represent XXXX XXXX XXXX regarding a foreclosure. While we represent XXXX XXXX in his foreclosure, he has been attempting to modify his loan and has had a complete package submitted with the lender for over a year. The lender has come up with every excuse not to properly review XXXX XXXX and has now refused to even ask the Court to continue a trial, in which the Plaintiff is seeking to obtain a judgment against XXXX XXXX in complete and utter disregard for 12 CFR 1024.41 ( g ) ( " a servicer shall not move for foreclosure judgment '' ). Recently, notwithstanding a review which has been going on for over 18 months, with updated documents being sent every time they are requested, SPS requested a XXXX to be submitted. This is one of the first documents required, so their requesting this document over a year into the review is a bit shocking. Nonetheless, on XXXX XXXX, 2016 the document was faxed to SPS. 
SPS has completely disregarded the requirements that the CFPB specifically enacted to deter behavior such as the behavior of SPS regarding this modification " non '' -review. 
Below is a brief background over the last few months ... 
1. After being in review for a modification for over 18 months, on or about XXXX XXXX, 2016, SPS requested a copy of the Defendants ' profit and loss statements, and the documents were sent within ten days of the request. 
2. On XXXX XXXX, 2016, SPS acknowledged receipt of a complete application to review the Defendants. 
3. Notwithstanding SPS acknowledging a complete package eleven days prior, on XXXX XXXX, 2016, a new request for information was sent by SPS. 
4. As XXXX has done for over eighteen ( 18 ) months, the Defendants immediately complied with the request and the responsive documents were immediately sent to SPS. 
4. On XXXX XXXX, 2016, Plaintiff 's counsel advised that a checkbox on the XXXX was incorrect. While this is one of the first documents SPS should have reviewed several months ago, they shockingly requested this document be corrected less than 35 days after acknowledging a complete package. 
5. Nonetheless, as the Defendants have done for several months, upon receipt of this newly requested information, Defendants submitted the information to SPS. 
6. Additionally, on XXXX XXXX, 2016, SPS confirmed a complete package.
Product: Debt collection

This debt collection account does not belong to me. I have no knowledge of how this could have occurred. I have never been in contact nor conducted business with the debtor. The original debtor appears to be XXXX cable in which I have never had services with them.
Product: Vehicle loan or lease

I have tried on numerous occasions to request monthly statements. The only way I can receive a statement is to log into the US Bank Equipment Finance website. When I access my statements, there is no ending balance or interest rate being reflected that I am being charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get a credit score from Experian unless I pay them. XXXX and XXXX will show you a score. Why is it even legal for Experian to withhold the score?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Wells Fargo regarding the restriction of my XXXX access, which is integrated into my Wells Fargo online banking account. Over the past few months, I used XXXX to send personal payments in standard, permitted amounts ( under daily limits ) to someone I know. All transactions were legitimate and non-commercial. 

On or around XXXX/2025, I received a XXXX request for {$20000.00} from this contact who is a friend of mine. I did not initiate or accept this request, and it was canceled shortly after. Soon after, my XXXX access through Wells Fargo was restricted without notice, explanation, or due process. 

I immediately contacted Wells Fargo support, but I was told there was nothing they could do and that the restriction could not be reversed or investigated. No reason or documentation was provided. I then contacted XXXX, who also stated they could not assist since my access is through Wells Fargo. 

This has caused a disruption in my ability to use my own banks digital payment service without having done anything that violates terms of use. I am requesting a formal review of : The decision made by Wells Fargo to restrict my access to XXXX, The lack of transparency and accountability in their decision, And that my XXXX access be reinstated or that I be provided a clear justification. 

I am a Wells Fargo customer in good standing and have never been involved in fraud or misuse of any payment service. Im seeking assistance because Wells Fargo failed to offer any support or resolution through normal channels. This money request is more than likely accidental and all transactions have been personal and consensual.
Product: Credit card or prepaid card

I am writing to issue a formal compliant against Chase for misrepresenting my credit report. After reaching out on several occasions, I have been repeatedly ignored and brushed aside while they continue to illegally misrepresent my payment history. In XXXX XXXX, I reached out to JP Morgan Chase to defer my credit card payments due to COVID. As explained by their representative, payment deferrals would not negatively impact credit reports. Later on, this would show up as a clause dictated in the Coronavirus Aid, Relief and Economic Security Act. However, in XXXX of XXXX, JP Morgan Chase arbitrarily decided to reflect the payments of XXXX, XXXX and XXXX as late. 
I take pride in being able to manage my financial obligations and if it werent for Covid impacting my business, I would have been able to maintain my excellent repayment history. In fact, for the seven years I had the Chase Sapphire card and I was never late. I have reached out Chase Executive team on several occasions - I have emailed, sent written letters and called and it has been over 60 days without a reasonable response. 


The approximate timeline is below : * XX/XX/XXXX XXXX Email asking for review * XX/XX/XXXX - Acknowledgement of receipt denying my request with having a representative as XXXX as contact for further information * XX/XX/XXXX Call XXXX, leaving voicemail * XX/XX/XXXX Call XXXX, leaving voicemail * XX/XX/XXXX - Sent first letter to Chase * XXXX - Sent Second Email * XX/XX/XXXX Call XXXX, leaving voicemail * XX/XX/XXXX Call XXXX, leaving voicemail * XXXX - Called general line and spoke with XXXX who was not able to get in contact with XXXX