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

I purchased a used XXXX XXXX XXXX from XXXX XXXX in XXXX, IN on Tuesday XX/XX/XXXX. I had an appointment at the dealership to test drive the vehicle and have my trade evaluated. I had quite a bit of positive equity on my trade so I decided to do the deal.

The dealer came back with a 60 month financing approval but I wanted 72 months. The bank then found a lender that would finance my truck on 72 months. Westlake Financial was the company and I am a paid in full customer of theirs. I decided to accept their terms.

I received a welcome call from the finance company about a week and a half after the purchase that covered my payment, due date, etc.

Around the 2 week mark I received a call from the dealer letting me know that Westlake needed additional documentation and more  money for the down payment. Granted I put down over XXXX from the equity of my trade. I told them I wasnt giving them any more money but I would provide the documents.

I called Westlake customer service on Tuesday XX/XX/XXXX to figure out why it has taken 2 weeks to underwrite my loan. The customer service representative was able to transfer me to my actual underwriter. I spoke with her and mentioned my displeasure with the situation. She asked me about a previous car loan that was paid in full, but was still on my credit report. I provided the documentation to the dealer to send to the lender.

I also have some concerns over the payoff of my trade in. I gave the dealer the 10 day payoff which is now expired because the bank it taking forever to underwrite my loan. Totally unacceptable.
Product: Debt collection

I am a victim of Identity theft. I am tired of these things on my report that do not belong to me. 


Please remove immediately
Product: Credit reporting or other personal consumer reports

Recently i called Experian about reporting incorrect personal information on my account that ended in my account linking to incorrect information. They requested I send in my ID and a bank statement and told me the mistake would be fixed in 3 days. Theyd failed to update my account in the 3 days and instead input information that was incorrect and attempted to link my account to incorrect addresses again. I had to redispute then incorrect address again and they have still have to resolve the issue. Attached youll see the false information they injected and that was disputed as well as my personal information
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It XXXX Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX  XXXX - XXXX - XX/XX/XXXX - {$XXXX} XXXX XXXX - XXXX - XX/XX/XXXX - {$XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

I reported an unauthorized charge, for {$140.00} from XXXX. XXXX confirmed there was unauthorized activity in my account and suppressed the charge, indicated I just need to have the XXXX  submit a chargeback dispute, and I provided all this to XXXX, the banking app. This should mean case resolved credit me and recover the funds simply by the process. This was reported XX/XX/XXXX the charge occurred XX/XX/XXXX, they are claiming I made my first deposit on XX/XX/XXXX. So they claim, that since the reported charge occurred within thirty days of making that deposit, even though this account had been open longer than that, they have 20 days to conduct an unnecessary investigation when the offender XXXX has already admitted to the intrusion, but won't issue refund but will honor a charge back. So now I have been shorted this money since XX/XX/XXXX, reported it within the 60 day time frame, and provide sufficient evidence of the fact the activity was not authorized. I'm told I must wait until XX/XX/XXXX for a decision on provisional credit, I say that's XXXX, I believe the moment XXXX admitted the unauthorized activity, that would reasonably be the date the investigation is complete, and an error has occurred, meaning they were obligated to deposit the funds within 1 business day of the error being confirmed, as per Reg E. There delay to investigate an admitted act and at the same time suspending my account is harmful to the consumer me. I now am unable to have my {$2100.00} expected student loan disbursement deposited on XX/XX/XXXX, due to their unreasonable and non-compliant conduct. The account only got suspended following my citing reg E guidelines, which is really shady on their part. The impression I am getting is this is an attempt to bully me into submitting to their walking all over me in some sick power trip cause they control my access to funds I am rightfully due back in immediate relief. They have yet to even initiate the charge back or anything, they are Investigating what, they have the XXXX email that admitted the unauthorized activity and instructions to have the XXXX dispute and charge it back. The only reasons I can fathom for the unnecessary delay is either they can't afford to the {$140.00}, or they are seeking a means to deny me the recovery of funds used to order something to Iowa, when I live in Minnesota, and have no reason to have something shipped to Iowa. This should be a clear violation of regulations and abuse of the consumer, I did all the work to collect evidence including a direct admission from the merchant. And now they are twisting the terms of the regulation to further harm their own customer for asking for their aide and fair treatment, and further sanctioned for notifying them of the Intent to do just this and report them.
Product: Credit reporting or other personal consumer reports

Transunion Subject : Request for Removal of Unauthorized Inquiry I am writing to formally dispute an inquiry listed on my credit report. Upon reviewing my credit report, I noticed an inquiry from [ Creditor/Company Name ] dated [ Date of Inquiry ], which I do not recognize or authorize. 

According to the Fair Credit Reporting Act ( FCRA ), inquiries that have not been authorized or are erroneous must be removed. I respectfully request that you investigate this matter and remove the unauthorized inquiry from my credit report. 

To assist with your investigation, I have included the following : XXXX. A copy of my credit report highlighting the disputed inquiry. 


Inquiry XXXX XXXX Date of Inquiry XXXX Inquiry XXXX XXXX Date of Inquiry XXXX Inquiry XXXX  XXXX  Date of Inquiry XXXX InquirXXXX XXXX XXXX Date of Inquiry XXXX Please respond to this dispute in writing within 30 days of receiving this letter, as stipulated by the FCRA. I appreciate your prompt attention to this matter. 

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

I previously had an auto loan with XXXX XXXX which began XXXX XXXX. This auto loan was paid off in XXXX of 2021. 
Also, in XXXX I requested on a recorded call for XXXX to have all late payment ( s ) removed from my credit report, XXXX agreed on this phone call that these changes will be made. XXXX made updates but failed to remove ALL late payments from my credit report as agreed. 
I called XXXX twice a week from XXXX to XX/XX/2021 checking the status of the removal of these late payments each time they confirmed our agreement and told me it was still in process. 
As of XX/XX/2021, XXXX have yet to remove ALL late payments from my credit report as agreed. I am simply requesting XXXX to please remove these late payments as soon as possible.
Product: Mortgage

Our house was foreclosed on in 2022 despite active application for XXXX emergency assistance funding. Both my mortgage bank ( Arvest ) and the law firm XXXX XXXX XXXX XXXX XXXX denied any knowledge of XXXX assistance or the XXXX proceeded ( XXXX  ) and covertly proceeded forward despite this and denied us of any recourse other than lump sum repayment to make current. I have email correspondences attesting to this.,
Product: Credit reporting or other personal consumer reports

ON THIS DATE XX/XX/2023, XXXX IVE ASK THEM TO REMOVE THESE ADRESSES AND THERE STILL THERE, PLEASE HELP ME GET THEM REMOVED. 
XXXX. XXXX XXXX XXXX XXXX, NJ XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX PL XXXX XXXX, GA XXXX XXXX. XXXX TO XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint a few weeks ago and the companies are responding to me stalling and not understanding what my letters are stating. I will attach all letters that were sent to me and the returned letters from the credit companies. I need to have this false information off of my profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had an ongoing breach and took a very long time to say anything. I was potentially impacted according to their website.
Product: Credit card or prepaid card

I was opened a XXXX  credit card with Citibank, and they closed my account today due to returned payment as I didnt missing any payment, my next due day is not coming yet.also they was never created those payments on my account but when the payment was returned, they add those amounts to my balance.All of that with no notice to me, also I didnt have access to the account a week ago due to some security reasons, at that time they was told me, thats only option for access to the account is sending me a letter, its takes 7-10 business days to arrive my address, so I never received that letter as today.now they said the account can not reopen.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U. S. C. 1681c-2 ) that you, The Experian reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections and charge-offs appearing on my FICO consumer credit report. The aforementioned accounts, collections, charge offs, appearing on my consumer report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, charge offs, are a result of identity theft and fraud. I have attached a copy of my FTC identity theft report complaint # XXXX as proof of the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, charge offs, are the result of identity theft and fraud.
Product: Debt collection

I have reached out to Nationwide Recovery Service and XXXX XXXX XXXX XXXX ( under XXXX XXXX ) multiple times over the last 2 years to get these debts removed from my credit report that were already paid. 

Back in XXXX my XXXX  was in the XXXX and XXXX claimed that they provided care for my XXXX  for anesthesia and Iv. My XXXX  never needed XXXX XXXX XXXX and never saw the doctor listed as the primary care doctor for the XXXX. A year later in XXXX XXXX in charges were placed on my credit report. My insurance ( XXXX XXXX ) paid for these charges but XXXX or XXXX never confirmed with the credit companies that they were paid. After filing multiple disputes they all came back as met fcra requirements Im not sure how this is possible when no one has been able to contact anyone from XXXX and XXXX continues to say they do not own that company and are not aware of accounts in my or my XXXX  name. 
At this point in time I feel like these are fraudulent claims, seeing as I am not the only person who has had issues like this with XXXX  or XXXX XXXX XXXX XXXX. 
I have the EoB proof from XXXX that these were paid, and the checks were cashed 3 days after they were received. Yet still show as I need to pay them on my credit report. 
I have additional documents with all the charges that were paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX keeps changing the status of this account on my credit reports. First they were reporting that this account was included in a bankruptcy ( which I never filed for ). I immediately disputed that information and the bakruptcy was removed. Then the account was showing as a XXXX balance now this month it is reporting from XXXX balance to a balance of {$6600.00}. This information is incorrect. XXXX has finally removed this account off my report. XXXX just changed my report adding this balance from XXXX to XXXX which caused my credit score to go way down. This account has been agreed upon to remove off my credit reports. Every month it keeps changing and XXXX XXXX XXXX XXXX XXXX keeps adding additional information in the comments which is affecting my credit score in a negative way. How can a previous month report as a XXXX balance then this month report a balance of {$6600.00}. This was finally corrected and now were back to square one. I spoke with XXXX XXXX XXXX months ago and this problem was rectified now it 's reporting as I missed a payment that is 30 60 90 days late. This is crazy and I am submitting this complaint about XXXX XXXX XXXX XXXX/XXXX/experian about reporting false information and not fixing my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian via email last XX/XX/2021 about the issue of them not reporting my credit history or score other credit reporting agents are reporting my score and my financing institutions are reporting. My complaint also relates to how difficult it is to even contact this company in order to resolve issues such as this I feel that the customer service aspect has been overlooked.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I had an emergency and needed a small loan. I applied for and received a loan or what I thought was a loan. Before completion I quit when I realized that it wasn't a loan. I did not realize that they started taking {$82.00} a month out of my account. I called and requested it to stop and to return my money. The total is {$490.00}. They said it would take 2 weeks. After almost a month I called back and they then told me it would take 60 days and they were only going to refund {$250.00}. I told them that first of all this is not 1980 and with technology it does not take 60 days to process refunds and then when I found out that they were only going to return half the money, I realized that I had been scammed. I am looking for full restitution and a warning put out to save others from this scam.
Product: Credit reporting or other personal consumer reports

I was late on a business credit card payment and it got reported on my personal credit score as a personal card.However I don't object to the it being reported but the reporting does not reflect the actual credit limit on the card.Chase has reported the card as having {$6000.00} credit limit when in fact it has {$23000.00} credit limit.The balance on the card is $ XXXXHowever the Credit Report they did says open balance {$23000.00} and a credit limit of {$6000.00} which makes the credit utilization 390 % .This wrongful reporting impacted my credit score by over XXXX points as credit utilization shows trough the roof.They should have reported the actual {$23000.00} credit limit and the current balance of XXXX which would have had a below 100 % credit utilization.Furthermore they have reported the credit card as having a {$760.00} minimum monthly payment which is not true.Chase wants me to pay the whole card and does not allow me to make minimum payments.I was in the middle of refinancing my home when this happened which caised all of the refinancing to be canceled.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelle 's 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 adequately investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 

The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 

As a XXXX XXXX I am out on money that could have been used towards my children. I believe the right thing to do is for Zelle to be held accountable and compensate those they have hurt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I view into my credit report, I found that part of the data was inaccurate. The 3 credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Without providing proof within the allowed time frame, it is unacceptable to classify this reporting account as unverified information. Sections 611 ( a ) ( 1 ) and 609 ( a ) ( 1 ) ( A ). Please look into the unverified account : XXXX XXXX XXXX XXXX : {$5800.00}
Product: Credit card or prepaid card

My account with XXXX XXXX was closed due to inactivity. Ive had that account open with them for 4 years and have spent thousands of dollars with them. For not using my card for about 6months to a year they closed it without warning. 
I was actually in the process of purchasing furniture again when I found out they closed my account. And when I addressed the issue they stated there was nothing they could do it was a security measure.
Product: Mortgage

For many years I have had an automatic deduction set up for my mortgage ( account # XXXX ) from my checking account ( XXXX ) in the amount of {$1900.00}. On XX/XX/2023, Chase debited my checking account in the correct amount. On XX/XX/XXXX, I received a late notice on my mortgage statement indicating that payment had not been received, the amount due was double, plus an {$80.00} penalty. I immediately made a second mortgage payment, including the penalty, as I don't wish to jeopardize my farm. When I called chase checking, they could only look at the checking side of it and told me that the payment had not been returned so it must have been applied to my mortgage. When I called the mortgage department, they could only see the mortgage side of and said that it had to have been returned to my checking account. ( It hadn't ) They did give me a " temporary '' credit of {$1900.00} until I could " work it out '' with the mortgage department but I'm having no luck and can not afford to make double mortgage payments. Please help!!
Product: Money transfer, virtual currency, or money service

I am writing to express my serious concerns about Zelles approach to handling disputes, particularly in light of the recent CFPB lawsuit, which has brought significant platform issues to light. Despite being a frequent Zelle user and reporting transaction discrepancies, both my financial institution and Zelle failed to conduct a proper investigation into my claims. I was informed that recovering the lost funds was not possible and that tracking the transactions was not feasible. The CFPBs findings highlight that Zelle has not only failed to safeguard consumers but has also enabled repeat offenders to exploit the platform, leaving users susceptible to scams. This lack of accountability and transparency is deeply troubling and raises important questions about the safety of consumers using the service.
Product: Prepaid card

I received a prepaid XXXX as a gift. The card was issued by Incomm. I tried to use the card with multiple merchants, but it was repeatedly declined ( despite the charge falling within the balance of the card ). Following that, I learned that a single declined transaction resulted in a balance hold on the card for 10 days.
Product: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries were discovered on my most recent credit report. I never gave these companies permission to access my credit report : this is identity theft.