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

On XX/XX/22 I called Westlake Financial and spoke with a representative about a recent Auto Loan inquiry from date of XX/XX/22. I am being discriminated against. Now I'm very aware that the credit score is a factor, but it isn't the determining factor as im being told it is. I'm basically being denied credit unless I'm willing to put up {$10000.00} cash first. I expressed to them that this car is for personal, family and household purposes and that it was a consumer credit transaction. To deny me credit based on not being able to put down {$10000.00} is unethical and unfair and it's against the law. Pursuant 15 usc 1662 no advertisement to aid, promote or assist directly or indirectly may state that a down payment is required in connection with any extension of consumer credit, unless they normally arrange payments in that amount. Adverse Action against a consumer is against the Law according to the Equal credit opportunity Act which is codified in 15 usc 1692 and is pursuant to civil liability under 15 usc1692k. Westlake is willfully and knowingly giving false and misleading information while also discriminating against me which is a direct violation of 15 usc 1611. According to 12 usc 1431 banks are in the business of borrowing money, issuing bonds and debentures as well as purchasing notes. Pursuant 12 usc 83 it says no national bank shall make ANY loan or discount on the security of the shares of its own capital stock, meaning they are not loaning the money for the vehicle. So, if the bank would be purchasing my wet signed contract from the dealer ( promissory note ) and borrowing it to fund the loan that would make me a creditor. Pursuant 15 usc 1605 credit is the right granted by a creditor. A creditor is referred to as a person who regularly extends, whether in connection with loans, sales of property, or services or otherwise consumer credit payable by agreement. Denying me my right granted as a creditor is a direct violation of the law. Furthermore, because my social security number ( Creditcard ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of WESTLAKE FINANCIAL. Value was given but value was not returned. I have proof of this unauthorized use of my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and accounts has been opened and closed in my name, awhile ago this has been reported to all the credit reporting agencies and yet to be resolved as of this writing. Therefore, I'm demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX {$860.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX Equifax is showing I have a balance of {$4900.00} on my credit report from XXXX XXXX This is not a true statement, XX/XX/2022 XXXX was paid on this account As of XX/XX/XXXX the balance is XXXX I did not owe anything to XXXX XXXX Not one dime and they refuse to update my credit report I made a call to the company and the worker stated he could not pass the call on to a Manger and my account could not be updated
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft and my personal information has been compromised in data breaches. The following inquiries were not made by me and are not mine : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to Experian showing them that this account was closed by the reporting debt collection company and they refuse to take it off my credit report. XXXX and XXXX  have deleted this account off my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I inserted my Discover credit card into an automated pump at a XXXX XXXX XXXX in XXXX, FL and after entering my zip code got a message on the pump 's screen that read " SEE CASHIER '' ; I was in a bit of a hurry and pulled up to the next pump, inserted my Discover credit card and zip code and got the same message on the screen. This time, I went inside and told the cashier, she said that I could purchase gas inside the store. I did not want to do that because I was afraid that I would be charged twice, so I left that XXXX XXXX never having lifted a single pump, or putting any gas into my car a XXXX XXXX XXXX ( only takes gas as fuel ). It should be noted that the gas pump never displayed the typical message when a credit card is authorized to pump gas, such as, " lift handle and dispense fuel. '' About an hour later I got gas at another XXXX XXXX station in another part of XXXX. A few days later, I noticed a pending charge of {$120.00} from the XXXX station where I never pumped any gas. I called up Discover Card and notified them that I did not pump any gas and they told me that the gas station put a hold for {$120.00} and that it should drop off in about a week. That did not happen, instead the charge posted. I disputed the charge, and also appealed Discovers ' finding that I owe the {$120.00}. When Discover sent their letter dated XX/XX/XXXX, only then was I informed that the charge of {$120.00} was for diesel fuel -something I couldn't pump into my car because my car only takes gasoline. I filed a Police Report in XXXX regarding the incident and that my Discover credit card had been used without my authorization, and that this is a fraudulent charge. I had tried unsuccessfully to resolve this matter with the XXXX XXXX station and they just denied responsibility and pointed to Discover Card. Discover Card states a {$0.00} Fraud Liability Guarantee, however, they apparently do not stand behind this policy. I never authorized anyone to pump diesel fuel. I drove away from the XXXX gas station without pumping any gas, either their pump malfunctioned, the cashier didn't clear out my credit card information, or Discover Card made a mistake authorizing the charge. I notified Discover Card as soon as I saw that a charge of {$120.00} was pending, told them that I never pumped any gas and that this was not authorized by me. Discover Card had the opportunity to deny that charge and not post it to my account since I had notified them that the charge was not authorized and fraudulent. I submitted a pdf of the Police Report that I had filed to Discover, even that did not change Discover Card 's view of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day madam/sir, ALLY FINANCIAL the lender of my vehicle : - original balance of the loan keeps changing - different " original balance '' {$5000.00} lower was reported to the credit bureaus - interest keeps increasing with years with extra payments being made - requested the complete balance sheet, received only list of the payments i made with NO original balance or ending balance and no interest balance - during the first 3 months of Covid-19, since it was allowed by state, I called the company and due to hardship i asked for 3 months delay of payments, they approved it, but still reported 30/60/90 days of non-payment to all credit bureaus ( that's the only months I didn't pay as agreed with the lender ) - Ally application provides completely wrong data. It shows I paid $ XXXX, when I paid exactly {$14000.00}. 
- Original balance of the loan was $ XXXX, now they told me it's $ XXXX, How is all of that possible? 
- Ally claim I owe them $ XXXX more, since I paid $ XXXX out of {$21.00}, but I paid $ XXXX.
Product: Debt collection

I moved out my apartment in XX/XX/2021 at XXXX XXXX apartments in XXXX XXXX, La. I was sent my final bill along with all fees and repairs and paid the full amount resulting in a XXXX balance. My account was sent to collections for a debt not owed And I want the account removed immediately.
Product: Vehicle loan or lease

On XX/XX/23, I made a payment for {XXXX with my fiance 's bank account towards my car payment. It was processed on XX/XX/23. On XX/XX/23. On XX/XX/23, he didn't recognize the transaction and disputed a transaction for the payment amount, not realizing it was for the payment. He realized the mistake and cancelled the dispute on the same day. On XX/XX/XXXX, XXXX XXXX ( his bank ) took back the money but never recieved any money for this transaction, and essentially the money dissapeared. Additionally, On XX/XX/23, my bankruptcy case was filed with the court and a capital one representative could not be reached due to pending bankruptcy, instead a got redirected to XXXX ( the company holding my account due to bankruptcy ). A week later, I called to request an explanation if the payment would be reprocessed and the XXXX representative stated that it would not. 

On XX/XX/23, I called once again inquiring about the money and to get a copy of my payment history. 

I have tried resolving this issue with Captial OneXXXX and they refuse to cooperate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX XXXX are in cahoots to lower credit scores by and through reporting out inaccurate information and providing different information to sources that provide credit reports to consumers and creditors. 

There are multiple accounts listed on my credit report that have recently been changed to the status of XXXX XXXXXXXX which should have been XXXX XXXX. I am requesting for these accounts to be corrected and or removed as required by the FCRA and all other laws that are in place. By reporting inaccurate information they are successful with ensuring my score stays low. Equifax and XXXX XXXX behavior has and continues to cause me harm. 

XXXX XXXX XXXX XXXX XXXX XXXX accounts listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Validation Of Debt letter to XXXX XXXX XXXX XXXX via certified mail ( copy of letter attached ). It was received on XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, XXXX XXXX XXXX XXXX has YET TO APPROPRIATELY RESPOND WITH ANY VALIDATION OF DEBT they are claiming, but are continuing to report to the credit bureaus & the bureaus, having been notified of this violation, are continuing to allow this non validated information to be reported. This is a violation of my rights per FCRA & FDCPA.
Product: Mortgage

Received prequalification letter in mail. Applied for a HELOC. Received adverse action notice on XX/XX/18 ( denied due to collateral value ). 

Figure never sent a copy of the XXXX or other valuation used to value the property as required by Reg B. Its been more than 30 days.
Product: Student loan

To Whom It May Concern, My PSLF has been discharged since XXXX XXXX and I have waited over 95 business days to receive my reimbursement. Mohela, who is my loan service company, is stating the Treasurer is holding my reimbursement, which according to the Treasurer, Mohela is withholding my reimbursement. Therefore, I would greatly appreciate it if I could get my reimbursement!
Product: Debt collection

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. On XX/XX/2018 I, XXXX XXXX Federally protected Consumer and Natural person extended credit to I.C. SYSTEM, INC using my credit card ( 15 usc 1602 ( l ) ) They furnished a deceptive form ( 15 usc 1692 ) to create the false belief in the natural person which is myself that I owe an alleged debt when it was in fact a consumer credit transaction. I sent I.C. SYSTEM, INC a notice to cease and desist and a notice to validate the debt which they have failed to abide by. I.C. SYSTEM, INC is now civilly and criminally liable for violating my consumer rights. I.C. SYSTEM, INC union has yet to resolve this matter.
Product: Money transfer, virtual currency, or money service

I had some check free bill pays to 3 credit cards rejected by XXXX XXXX without notice. I contacted check free bill pay on XX/XX/2020 and they were very helpful and found 52 bill pays rejected and returned by XXXX XXXX ranging from {$1900.00} to {$2400.00}. These are not in question by CFBP, they were forthcoming in disclosing these. I have bill pay payment dates and amounts on 3 credit cards that were returned to CFBP and are in their system as such. 

However, CFBP wants me to go to XXXX, where the payments were made, and wait while XXXX processes these 1 at a time. I am a XXXX yr old male who had a XXXX XXXX 1 yr ago and under the circumstances i find it to be a very dangerous idea. 

Can you please have CFBP issue me a lump sum check for the funds they have that were returned by XXXX XXXX? 

Thanks, if you need the account numbers please let me know XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my last and final correspondence to your non-compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of accounts that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the accounts n question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. I have attached an invoice for violations. Please remit payment to address on invoice. Please investigate and remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month in XX/XX/XXXXI noticed that an account that was deleted in XX/XX/XXXXwas reinserted back onto my Experian report without any notification. By Federal law FCRA section 611 ( a ) ( 5 ) ( b ) Experian was supposed to notify me in writing not later than 5 days of reinsertion. They did not notify me at all. I sent Experian a letter stating that they are supposed to notify me and that they are in violation of Federal law. More than a month has gone by and they have yet to acknowledge this. I will provide past credit reports to show when it was reinserted. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, On XXXX XXXX, 2017 I filed a dispute online through TransUnion online dispute center via XXXX XXXXXXXX XXXX website. The dispute is due to an account from XXXX XXXX XXXX in the amount of {$860.00} that is on my credit report that i did not authorize. They gave me a Estimated completion date of XXXX XXXX, 2017. However, it has been well over 30 days since my initial dispute. I am in the process of building credit and this account is damaging to my credit health. Furthermore, this is a violation of the Fair Credit Reporting Act.
Product: Payday loan, title loan, or personal loan

BethPage NY ( see attached ) complaint regarding providing a complete loan checklist, additions to home insurance policies, documents, rates and closing costs that are transparent. Applied for a HELOC and was sent a checklist that did not cover critical areas to obtain loan. Was initially sent a pre approval that is misleading ( see attached ). Requested documents required at the last moment. Pressured under deadlines to obtain or else the application would be canceled. Repeated attempts to produce requested documents resulted in homeowner insurance being increased, a discriminatory assessment of property ( by appraiser on their payroll ) not in line with existing properties in my area, even after submitting similar properties for a review and quickly denied. Subsequently canceled my loan request due to continuing poor management of the process. Bethpage could do better.
Product: Credit card or prepaid card

I had two credit card accounts with Capitol One. Both accounts I have had for many years. One of them around 8 years. I was having some very hard financial issues/problems and it caused some of my payments to be returned. They closed my account ending in XXXX. They then turned around and closed my other account ending in XXXX that had nothing to do with the account ending in XXXX. How is that even fair legal or possible. I called Capitol One regarding this and they were not help. Did not even try to help resolve the problem. How can they even do this. These are two selections accounts two separate credit lines two separate payment histories. So of I financed a car through them would they close my car loan account down and take my car back? This should not be allowed to happen. This has affected my credit tremendously being that this is one of my lines of credit with the longest history. I am also going to try to email the CEO of this company regarding this. This should not be allowed at all. There was no warning. No option to correct this within 30 days just a letter giving me no options but closure, unacceptable. I will be taking this as far as I can. Unacceptable to close one account based off of another that has nothing to do with each other besides the fact they are two accounts with the same company but two totally different cards.
Product: Debt collection

Stallings Financial Group first called my mother about my debt before me. I called them back and the woman, XXXX XXXX, was very rude to me. She would not send me a hard copy of my debt, then she put me down as a refusal to pay and hung up on me. I called back to speak with a manager, XXXX, and she was very rude to me. I asked them not to call me and was very rude about legal terms. Her tone of voice was not what it should have been. I am very upset with debt collectors and how they have handled me. 
My parents are divorced, my father is the primary holder of my insurance by divorce decree. I have in writing that he has agreed, if sent to him, to pay. No collector will listen to me explain this and send me hard copies from the time I had XXXX.
Product: Debt collection

They call me over 7 times within a 7 day period.
Product: Mortgage

I am in the process of closing on a loan assumption. The closing documents that were sent to me and the buyer is incorrect. The balance of the loan as well as fees related to closing is incorrect. I have reached out numerous amount of times in hope of getting this issue resolved so that we can close on the loan. I have requested time and time again to get the closing documents updated and for a Supervisor to call me for almost two weeks now and no one has returned my calls or my emails requesting such. My phone call and email request are not being returned. I was told that the closing disclosure was drafted at the time of the assumption which was 5 months ago and is unnecessary to update due to causing a delay in closing. This is unacceptable. The balance has decrease sufficiently since then the assumption request. Please update the closing document to reflect the current state of the loan..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX report and I need you to remove each and everyone of them : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

Requested verification of debt via certified mail dated XX/XX/XXXX. Today XX/XX/XXXX ( way over the 30 days required by law ) I received a letter with an " application # '' as verification of the debt. This establishment should be aware that per FTC Attorney XXXX XXXX XXXX, that a printout of a bill, application #, or itemized document does not constitute verification.
Product: Debt collection

ARM Professional services was e-mailed a cease and desist letter however, they ignored my communications and continued to contact me.
Product: Credit reporting

I recently noticed 2 accounts on Transunion that do not belong to me. Please remove XXXX # XXXX ... and XXXX # XXXX .... I have tryed both companies to release information and proof incleding signatures and copy of Identification to me and neither could produce anything or could find me in their records.