23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I have marked as inaccurate : 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
Product: Consumer Loan

I leased my car from Ally Bank for 39 months and fulfilled the terms. When I was purchasing this same vehicle, I noticed a discrepancy on the lease agreement between the residual price and the purchase price of my car ( {$2500.00} ). I was at my dealership with my husband to purchase the vehicle and we questioned this discrepancy. My salesman called Ally Bank & after several phone calls ( we got disconnect once ) and transferred several times, we finally got someone who could answer our question. He ( XXXX XXXX, I believe ) told us that the fee of {$2500.00} was because we had to pay for all of the " bad '' leases in the past but they stopped doing that in XXXX. ( I leased my car in XXXX ). Furthermore, I fulfilled my lease and why should I pay for someone else 's bad debt. We then asked for a supervisor. She XXXX XXXX who spoke with a slight foreign accent ) told us that it was non-negotiable and that out of the {$2500.00}, {$2000.00} going to Ally and {$500.00} was going to the dealership, which my salesman & finance manager denied. She actually got a bit irate at XXXX point when speaking with my husband as she thought that she was speaking with the salesman. However, my husband introduced himself by his name as the XXXX. Our salesman confirmed this with her. The residual value was the number that they worked from to get my lease terms and what the car '' s purchase price should have been at the end of the lease. So they charged us, {$2500.00} more than the car 's residual value and of course, financed it for us. We are already upside down on the value of our car. We love everything about this dealership, they are professional in every way! Let this complaint be no reflection on them. Their hands were tied. It 's Ally Bank that did n't do the right thing. We feel cheated & taken advantage of. This happened Saturday, XXXX XXXX, XXXX between the hours of XXXX XXXX and XXXX XXXX eastern standard time. Please see the attached lease agreement.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024,, I made Experian aware of the misleading and inaccurate collection account alleging a debt in the amount of {$3200.00} that they are reporting on my credit report. Ive requested, Experian and the collection company to verify I owe such alleged debt, the date of first delinquency and that the debt is indeed valid. 

it has been well over 30 days for Experian to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit report immediately By the law it is the consumer reporting agencies responsibility when preparing a credit report to assure maximum possible accuracy. Experian, has failed to maintain reasonable procedures and maintain 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) Experian Is in violation of FCRA and if they fail to comply and delete this information from my credit report, they must be held liable per 15 usc 1681n.
Product: Payday loan, title loan, or personal loan

Today I called CashNetUSA, concerning my loan and the interest they are charging me. I called CashNetUSA and spoke with XXXX concerning my situation. I told her I had been a customer since XXXX, never been late, and only have missed one payment my entire time being a customer. The {$450.00} coming out of my check from CashNetUSA bi-weekly, is killing me and would they please consider lowering the interest so that I can afford to pay back this loan. I even asked to not give me borrowing privileges and make arrangements to pay $ XXXX monthly and to pay off the balance of {$3600.00}. XXXX informed me that she appreciated my business and longevity as a customer but the best that she could offer me is -- to skip my payment tomorrow and put it on the back end in four separate payments. To break it down, cancel my payment for XX/XX/XXXX and change the next four bi-weekly payments to {$560.00}. I asked how is that helping me?? She said that CashNetUSA does not lower interest rates under any circumstances nor do they reduce payments. She said their annual interest rate is 299 % yearly! She stated the only way that I could possibly get help is if I was in the Military. I would like to make a complaint under the Predatory Lending and Unfair Credit Practices I feel CashNetUSA targeted myself as a minority, and less educated on the lending process. They also preyed on my also credit situation and problems. I also feel they failed to disclose information and disclosed false information, and practice risk-based pricing and inflated charges and fees. They also misrepresented the true costs, risks and/or appropriateness of my loan terms, and the their changes to the loan terms after the initial offer. I want to pay back this loan and keep my good standing with CashNetUSA however, I am asking the Consumer Protection Board to step in have them settle my account and set up payment arrangements with me on the balance due with no additional interest, fees, or charges to me, or my account with them. I want to pay {$250.00} a month for 14 months with a final payment of {$190.00}. Being a customer since XXXX, CashNetUSA has received their balance plus interest more times than enough from me. I have fulfilled the terms of the agreement and the company repayment structure doesn't allow pay down my balance timely or fairly. The total amount I have paid is more than 3 thousand over the course of time and I am your seeking help to close this matter to protect my credit and well being.
Product: Vehicle loan or lease

The business states in the contract that if an account is more than 60 days past due, then there will be a dispute given from the company. Any Service Contract that exceeds 60-days past due will be deemed as voided, and shall be cancelled immediately and without further notice. However, the company calls once a day 7 days a week. When you try to make your payments by phone, they harass you that they cant help you and will repossess at 30-days past due. They put you on hold multiple times and hang up, so that they wont take your payment. They imply theres a contract stating its 30-days past due and will repossess when there was no contract signed by me. Neither the representatives or the recovery team will provide this. They suggest having the manger provide it to you, but you will not hear anything back again. The representatives and recovery team are very unprofessional and ill-mannered. They talk over you and threaten you non-stop with this 30-day contract rule they have. When you finally speak up, they ignore you and hang up. Itll take at least 3-4 times until they will actually take your payment.
Product: Debt collection

Westlake Financial is reporting this account inaccurately with all ( 3 ) bureaus XXXX XXXX, XXXX and XXXX. This account is in a closed/charge off status : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. They are currently reporting monthly LATE payments even as recently XX/XX/XXXX, along with PAST DUE balances. Also a false representation of the amount of debt on my credit file. Inaccurate statements of the balance due. All ( 3 ) bureaus are reporting ( 3 ) different dates of last payment, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. All ( 3 ) bureaus have different account numbers XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX XXXX and XXXX are failing to note that I have been disputing this account for multiple months.
Product: Credit reporting

Equifax refuse to remove the public records in my credit file. I have sent identity theft reports, disputed the information and still no resolution. They know they reinserted these public records into my file. Public record # XXXX that is not even my last name on the document. All of these public records should of been removed. Equifax is just stalling and costing me financial pain in the process.I have already seeked legal advice so therefore If not resolved in this complaint I will sue Equifax for willful noncompliance and {$5000.00} for each item they refuse to remove from my credit file. All these items just suddenly appeared in XXXX 2015 on my report. That is not coincidental its Equifax improper reporting of my credit report. And also all of my tradelines were missing and then all of these negative item just reappeared with my tradelines. I have the archived credit reports to prove what I am talking about too. Attach document for what purpose they already have them in their files.
Product: Debt collection

I called because I saw capital one on my credit report saying I owe a debt. I asked them about the debt and they stated they har no record of the debt so Im trying to see how I owe them and why are they reporting on my credit report.
Product: Debt collection

The debt collector called me for the first time yesterday at XXXX and left me a voicemail. I didnt answer my phone because I was at work. About XXXX minutes later, they call my employer. They didnt even give me a chance to return the call before calling my employer and harassing me at work. I never gave them permission to contact me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report I noticed an account that didn't belong to me with the high balance that is still active it is not mine I never applied for it and I think my ex-wife pretty sure my ex-wife did it
Product: Debt collection

XX/XX/XXXX this debt was reissued 3 different times to my credit report AFTER it had been deleted by using another company name and reason for collection. It also has been split into two collection agencies STARTED AS XXXX XXXX XXXX in XXXX, then AFI  in XXXX, then as another XXXX in XXXX. This is NOT my debt. I NEVER missed a payment with XXXX XXXX XXXX and had a combined billing with tv, home phone, internet and cellular service. Ive tried for two years to get whatever this is removed from my report and it been reinvestigated over and over and over successful then reapplied.
Product: Mortgage

Sir or ma'am, I am a resident of the state of Texas and an XXXX XXXX XXXX XXXX currently stationed at XXXX XXXX, CO. I am writing to you for any help that you XXXX be able to offer in a very unique case. 

I bought a home in XXXX XXXX in XXXX with my then wife. In XXXX, we divorced. As a part of our divorce decree, the property was not immediately sold ( my intention was that my XXXX children would not be forced out of their home ) but rather the decree stipulated that my ex-wife must make all reasonable efforts to refinance or sell the property within 12 months. That did not happen and the mortgage debt and bad credit reporting remains in both our names still. 

In XXXX, after we were no longer married, Wells Fargo initiated the foreclosure process on the jointly owned property. The foreclosure was soon thereafter stopped citing protections under the XXXX XXXX XXXX XXXX ( XXXX ). Foreclosures were initiated again in XXXX and XXXX and also stopped again because of the XXXX. At this point, the mortgage has not been paid by my ex-wife in over 7 years and Wells Fargo still refuses to carry through with the foreclosure, despite me waving my rights under the XXXX. 

As you can imagine, my credit has been catastrophically damaged by this and I am still not able to provide a home for my family, 10 years after our divorce. A federal statute that was intended to protect my rights is being used against me so that Wells Fargo may avoid further inquiry by the XXXX Department, as they and other banks have been under for the many number of illegal foreclosures that have been in the news over the past few years. Wells Fargo has been unable to contact my ex-wife in order for her to wave her rights under the XXXX. I do n't even understand how she has " rights '' under the XXXX, as we were not married when they initially started the foreclosure process. I have tried many different approaches with the bank and have each time been told " there is nothing they can do ''. I understand that I am not without fault in this situation. However, I also realize that my credit would have recovered from a foreclosure or even a bankruptcy in the 10 years now since our divorce. I am feeling hopeless and as if this situation is unjust for all parties involved. 

At this point, my credit has suffered enough. I do n't even know what to ask for in regards to resolution to this case. I am simply asking if someone who has a larger scope regarding this issue can help find some sort of resolution so I can move forward and provide for my family. 

It is also my understanding that there was a foreclosure by the XXXX and then their interest was sold to a third party investor who is now trying to evict them from the property. I am quite sure there are other legal details and points of fact that affect this case that I may not even be aware of. Please help. I am glad to offer any further details upon request. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries i dont recognize on my report XXXX XXXX XXXX Auto Financing XX/XX/2023 XXXX XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  Auto Financing XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/2023 XXXXXXXX XXXX XXXX  Auto Financing XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/2023 TransUnion XXXX Auto Financing XX/XX/2023 TransUnion XXXX Auto Loans XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 TransUnion XXXX XXXX Auto Loans XX/XX/2023
Product: Vehicle loan or lease

On XX/XX/XXXX I traded my car XXXX XXXX XXXX in to XXXX XXXX to build my credit by leasing a vehicle which they gave me XXXX for my car as a down deposit for the XXXX XXXX XXXX XXXX and once I was approved by the Bank Auto Trakk they had set me up on a weekly payment plan which they told me if i pay my bill on time every week for 6months that i can go on a monthly payment plan which that never happen, also I ask if the car had an inspection cause it had just came on to there lot that same day they told me yes and I also ask them for a XXXX XXXX on the vehicle which they never gave me so after the 6months I no longer could pay them every week so I tried calling the Bank Auto Trakk and they kept giving me a hard way to go so I kept paying it weekly until I start falling behind with my payments so I took the car 1st out New Jersey to a dealership called XXXX I forgot the rest which this was in XX/XX/XXXX and they gave me a XXXX XXXX on the car and told me that the car was n't worth no More then 10,000 so they try calling they bank to make a offer with them so that I can trade that car to get another car which was in my monthly budget but Auto Trakk refused the offer why I do n't no, Ok so then I takes the car to XXXX XXXX on XXXX XXXX and they basically told me the same thing that due to the car being in a accident in XXXX that the value ai n't worth no More than 10,000 so they tried to negotiate with Auto Trakk so I was tuck with a car I that i no longer could pay on a weekly basis so i called them and told them they could come and get the car cause I no longer can pay them on a weekly basis, but before they came and got the car I was paying on time every week they never gave me my credit points for that and they charge me XXXX for this car and I receive a collection bill in the mail saying I owe them XXXX but on my credit report it saying I owe them XXXX or more so why was I credit for my payments that I was making they ripped me off and never gave me anything as for me calling and telling them to come get the vehicle.
Product: Credit card or prepaid card

Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX case # XXXX They have closed the complaint incorrectly that I opened this credit card with them when I was not living in the state of XXXX  at the time, but was living in XXXX.
Product: Credit card

i received counterfeit items and seller website state they will provide return label. But when I request return the items and seller didnt provide me return label. I dispute with credit card company but they didnt take care. I provide all documents but they never resolved the problem in 4 months pass. And credit card company synchrony bank keep email me digital letters are not belong to my account. They said credit XXXX to my account but I never dispute any charge XXXX and this transaction didnt find from my account. Another letter said I contact bank dispute {$260.00} but I never dispute this because my account doesnt have any transaction match this amount. And the last letter said they temporary credits XXXX to my account. Its same problem I didnt find this charge from my account and I never dispute this amount with bank. I dont know whats wrong with this bank. They didnt resolve my issue and messy up all information.
Product: Payday loan, title loan, or personal loan

I got a {$600.00} loan From big pictures loans come to find out later they are charging me interest rate of 661.4909 %. Massachusetts rules on loans no higher than 20 % APR. I have Reached out several times to big picture loans with no Success.
This company trys to take advantage of tribal immunity and avoid interest caps. it 's the FTC Act grants the FTC authority to regulate arms of Indian tribes, their employees, and their contractors. specifically regarding deceptive payday lenders hiding behind a tribal affiliation.
Please Find documents attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with all three credit bureaus in addition to the companies involved I sent paperwork proving that I did not open these accounts. Also, there are addresses that are on my credit report that I have never lived at, still, the credit bureaus refuse to remove them from my credit report. I placed a fraud alert on all three of my credit reports, but still, accounts are being opened without notifying me.
Product: Student loan

On XX/XX/2019 I called XXXX XXXX twice - but talked to three different individuals. The first call was with a very nice agent, but she asked me many questions ( most of which I did not know the answers ) and she told me to guess on the answers. Well, it was not clear to me why she was asking me the questions and that it would impact the monthly payment amount. She put me on hold many times when I told her the amount that she stated would not work for my family situation ( my husband has been unemployed for 4 years and has been in the process of applying for XXXX ). What I now know only because I did my research online is that she was trying to figure out how to reduce the payment through some of their various programs. She told me at one point that I had reached the maximum forbearance time which I thought was interesting as that had never been communicated to me in any previous communication with them ( a time limit was never provided ). Once I spoke with my husband and got the correct amounts for the financial questions they were asking I called back. This individual gave me a lower monthly payment, but it was still not doable. I called again and asked to speak with a supervisor ... the person was very hesitant and I told her that I was concerned that I was not being presented with any detailed information. She put me on hold and said she thought she could help me with some options. All of a sudden I had a different person on the line - she told me her name, but not her title. I assumed she was a supervisor, but she didn't have any different knowledge, but just spoke more eloquently ... .in fact, the number the previous person had provided she said was far to low than what they ever approve and so she raised it back up. I had no clue what she was talking about ... the inconsistency is absolutely crazy ... and the lack of communication regarding options. I called my husband and by that point in time he had been on their website and found many options articulated, entered the information and the monthly payment went down even further than what the lowest one was ... again ... this is crazy. It feels like this was purposeful in that they don't want you to understand what your rights and options or what you may be available for ... .they just want your money ... which I get, but it's sad when I can work with other companies to collect their debts and they are understanding and provide information ... .this company is not transparent and dishonest in their practices.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I have been disputing things on my credit report and just yesterday my score  XXXX   XXXX   XXXX  Eq  XXXX   XXXX . I went to check it again because I am currently rebuilding and low and behold my   XXXX   dropped  XXXX  points and there were no changes on my report. I do n't have any new accounts, nor have the age changed on any of my accounts. My Credit Card usage is under 30 %. The  XXXX  are trying to discourage consumers into disputing anything on their report and this is not fair. I 've been working hard to acquire a higher score because I would like to buy a home. This is such a discouragement. In the attachment I understand these are  XXXX  Scores yet it still was a tremendous drop.