23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I orginally looked into getting a line of credit to offset a higher interest rate on a loan that was killing me once interest rates sky rocketed i applied and it said i was approved asked for a check for the bank account i wished to use at the time i had been struggling with my bank dealing with a scammer so i did not put a checking account or bank routing number i went out without finishing the loan process even though they stated that everything was signed i do not have record of this. Few months later these people start calling my job telling everyone i had a debt i needed to pay yelling at my employees if i wasn't at work. finally, when i was able to get to them the stated the only phone number they had was my work number which didn't sound right as at the time i had the same cell phone number for fifteen years. They also only had me as my median name. Confused i explained i didn't think the loan went through because i did not have a bank account the lady accused me of lying and the said bank account they gave me was a closed Savings account. the savings account was closed before i even applied for the loan and i sent off the letter from XXXX XXXX  stating that the account number that was shown was closed so if they sent me this loan amount to that account i never received that money. The lady was extremely hostile and kept calling my job when i asked her to stop calling my job she only did so when i told her i would turn her in for breaking the law. They then started call family i was associated with and XXXX them. The bill went to collections and i asked for the proof of debt and was sent a 80 page packet of a documents that we nothing pertained none of my information on said files, I took to the courts after i wad rudely served by a company who tried to again call my job even though i had ask for the number to be removed. I filled an answer back tot their litigation and the judge sided with me that this should be not adjudgment but a mediation because i had shown the account where they stated the money originally in was closed and now the debit has sold off multiple times they sent to mediation where they never showed up. case dismissed but still on my verdict report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX FIN Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX, XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Mercedez Benz financial Services violate my rights and also commit identity theft by providing all my personal information to a third party repossession company.

A third party repo company try to take my property while I was sitting inside the car, I was illegally retain by two guys which blocked me from leaving my location.

I feel like I was in jail form 30 minutes and being threatening that I will get shot by them if I don't get out the car.

the repo company damaged my car and drop me up then run away because they realize I was stuck inside the car.

I called the police because I taught I was being kidnap by those two unknown guys who demand me to get out my car and states that Mercedez Benz sent them to collect the car from me. 

I was inside the car with my family and the guys hook up the car with his repo truck. 
I was stuck inside my car hook up to his truck. 

I would like to sue Mercedez and the repo company for improper towing, they threat like a dog and I'm paranoid everytime I see a truck.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Checking or savings account

Hello, I hope this message finds you well. I am reaching out for assistance in resolving an issue regarding fraudulent unauthorized charges on my account. 

On XX/XX/2024, while I was at work in XXXXXXXX XXXX, my XXXX card was charged without authorization at a XXXX store in XXXX XXXX, and XXXX, XXXX. Shortly after, I received a call from the number XXXX, with the caller posing as Wells Fargo. They claimed there was suspicious activity on my XXXX card and stated that my card was blocked, promising to send a new one via mail. Following this call, my XXXX card was charged again with the following amounts : XXXX, XXXX and XXXX totaling XXXX. 

Upon discovering that my card had not been blocked by the bank, I immediately disabled my XXXX card through the application and contacted Wells Fargo. I explained the situation, and it was confirmed that the fraudulent transactions were made using a physical card, even though my card was in my possession. It appears that my information was compromised, leading to the creation of a fraudulent physical card. A representative from Wells Fargo opened a claim for me. Simultaneously, I filed a police report ( XXXX ) and attempted to attach it to my Wells Fargo case, although this option was not available. 

However, on XX/XX/XXXX, without any prior communication with me, Wells Fargo closed my case without issuing any refund. Despite reaching out XXXX  times, some representatives advised me to email the XXXX team with the police report, assuring me that my case would be reopened. Today, upon checking the status, I was informed that my case was closed on XX/XX/XXXX and has not been reopened. Furthermore, I was told that the police report is not considered evidence of a crime, and Wells Fargo does not recognize me as a victim, refusing to reopen the case or take any action. 

I kindly request your assistance in resolving this matter and ensuring that appropriate actions are taken to investigate the fraudulent charges and provide the necessary refunds. Your prompt attention to this issue would be greatly appreciated. 

Thank you for your assistance.
Product: Student loan

For many years i have been paying a fixed amount monthly for student loans. Recently Navient, the loan servicer, reduced the amount by approximately {$50.00} each month. Prior to the random decrease from {$590.00} to {$550.00} the amount applied monthly to principle was more than that applied to interest. After the $ 50 monthly payment decrease i am now paying more interest monthly than principle. I did not request or ask for a change in monthly amount nor was i informed of the change. There is no explanation for these actions except to extend time the loan will be in repayment. This complaint is in regards to the actions describe above and to shed light on this practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit repair specialist have sent in multiple documents to XXXX, Transunion, and XXXX as they continue to violate my FCRA rights in many ways over the past year! I've gone through CFPB and XXXX XXXX XXXX XXXX. They have refused to remove the fraudulent and inaccurate items off of my credit report. My only other option will be to contact the Attorney General 's office and the CEO of XXXX, Transunion and XXXX about their unethical practices at their companies. 

On XX/XX/2022, there was a CFPB complaint sent in : reference # XXXX This case was closed, with the fraudulent items STILL on my report! And here I am 1 year later, still fighting for my rights. This is my last time doing this and I will sue all XXXX companies. 

Everything that I have ever filed will be attached to this complaint for proof.
Product: Vehicle loan or lease

I lost information and someone is using it to apply for new auto loans and credit loans
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against the credit reporting agency XXXX for their refusal to place a block on a fraudulent auto loan, reported by XXXX XXXX XXXXXXXX XXXX on my credit file, even after I provided ample documentation proving the fraudulent nature of the transaction. 

I discovered an unauthorized auto loan from XXXX XXXX  XXXX listed on my XXXX credit report. Understanding the severity of the situation, I acted promptly and followed the correct procedures to rectify this issue. I filed a police report, submitted a Federal Trade Commission ( FTC ) Identity Theft Affidavit, and obtained a letter from XXXX XXXXXXXX XXXX confirming the fraudulent nature of the loan and their agreement that the loan was not entered into by me. A copy of each document has been provided to XXXX. 

Despite my efforts and in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates that credit reporting agencies must block the reporting of information that the consumer identifies as information that resulted from an alleged identity theft, with the requisite documentation provided, XXXX has denied my request for a block on this fraudulent loan. 

I believe XXXX 's refusal to honor my block request constitutes a blatant disregard for my rights as a consumer and demonstrates an improper and potentially harmful handling of my sensitive credit information. This has caused me significant stress and has the potential to adversely affect my creditworthiness and financial health. 

According to FCRA section 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), upon providing a valid police report to a credit reporting agency about alleged identity theft, the agency must promptly block the reporting of such information. Furthermore, under FCRA section 611 ( 15 U.S.C. 1681i ), the agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate due to fraud and correct the error. 

As I have complied with all required steps, including providing the necessary legal documentation, I request the CFPB to investigate this matter promptly and ensure that XXXX adheres to the appropriate sections of the FCRA. I seek an immediate block of the fraudulent information on my credit report and assurance that my rights as a consumer are upheld. Additionally, I request that XXXX send me an updated copy of my credit report post-removal of the fraudulent account to verify that corrective action has been taken. 

Enclosed, please find copies of all relevant documentation, including the police report, FTC affidavit, and creditor 's letter, to support my claim and request for immediate action. 

Thank you for your attention to this urgent matter. I anticipate a prompt response and resolution to this issue. 

Sincerely, XXXX XXXX Enclosures : - Police Report - FTC Identity Theft Affidavit - Letter from XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Account # XXXX, XXXXXXXXXX****, 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 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education has duplicated the same information through several companies on my credit report. Making it appear that I owe 3-4 different companies the same amount of money ; and each of them are derogatory. Each of them reporting similar information but different payment histories, different start dates, different last activity dates. I have never had a contract with any of the companies listed below and I am in fear that I will be forced to pay upwards of {$45000.00} to clear up my name. XXXX XXXX DEPTEDXXXX. 
One credit bureau received an update from the Department of Education on XX/XX/2021, claiming that my past due balance had increased {$1.00} ( XXXX dollar ). The problem with that is that any information that the Department of Education is my student loan service provider is false/incorrect/fraudulent. It seems as though the Department of Education is purposely reporting inaccurate information. This repeated abuse is damaging and its only purpose is to cause injury. The reports submitted to the credit bureaus by the department of education should be deleted. 
Each credit account I have should only be listed on your credit reports once. But these accounts are listed multiple times. Accounts that are reported more than once may make it look like I have more debt. This is a violation of the Fair Credit Reporting Act XXXX FCRA XXXX. The fact remains, my credit report has at least 8 duplicated accounts that are all showing inaccuracies. On XX/XX/2021 the Department of Education reported a {$1.00} increase to those accounts and TransUnion dropped my XXXX score 55 points. TransUnion has since corrected the issue to show there was in fact no increase of debt. 
Today XX/XX/2021 ( 7days later ) DEPTEDXXXX and the Department of Education updated those accounts ; again showing another {$1.00} increase in the same accounts. TransUnion again dropped my FICO score, this time 59 points. This is retaliatory.

The has already closed my complaint about the Department of Educations reporting practices. Suggesting that I contact them directly. I have already tried. My interaction with the Department of Education is that they are unwilling to correct the errors on my credit report and they will not voluntarily delete their account. The fact remains, my credit report has at least 8 duplicated accounts that are all showing inaccuracies. 
Who else does a consumer go when the Consumer Financial Protection Bureau wont actually protect consumers from the Intentional Infliction of Emotional Distress and retaliatory behavior from what seems to be a predatory lender? 
The inaccuracies should be deleted from my credit report because they fail to meet the requirements under the Fair Credit Reporting Act ( FCRA ) ; where both the credit reporting agency and the information provider have responsibilities for correcting inaccurate or incomplete information in my report. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft.
Product: Vehicle loan or lease

I purchased vhicle and paid a big down payment which i didnt see anything dropping down on the car payment they said the biggfer the down payment better for lower ineterest and everything once that was done payment stayed at XXXX. 
I called numerous times trying to lower the payment and seeing how to change due date they said if i cant refinance to surrender and i said how would this affect me they said no worries it would only affect your credit. I said ok and they took the vhicle with no documentation provded for me to read no explanation and days later i get a call from an agent on XX/XX/2023 saying she is going to report me to IRS and IRS will make sure to charge me i feel threatened by her attittude and she was being over agressive with me. I explained i know my rights and explained tried telling her i didnt understand why tell after they took my vhicle they were explaining so agressively things i was never told and she didnt give me options she was just trying to take my money for over XXXX. 
Which i dont have. She said i will report you to IRS i dont feel a bank rep should be allowed to speak to any one the way she did not knowing if i have heart problems or high blood pressure i felt sick and unable to defend myself at the same time i explained i was fired from my job in XX/XX/2023 they said were sorry we cant help in any matter and i was even trying to continue making high payments
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for Immediate Deletion of the Following Accounts that have surpassed the 30 days federal law dispute period : To Whom It May Concern, I am writing to formally dispute the accuracy of multiple accounts listed on my credit reports with all three major credit bureaus ( Equifax, XXXX, and XXXX ) which I initially started the dispute on XXXX, XXXX, 2024 through CFPB. 

The accounts in question are : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX These accounts are inaccurately reported, and I have not received the required documentation or resolution within the legally mandated 30-day timeframe as outlined in the Fair Credit Reporting Act ( FCRA ). This failure to comply with federal law necessitates the immediate removal of these accounts from my credit reports.

Legal Basis for Dispute Under 15 USC 1681s-2, all information reported to consumer reporting agencies must be accurate and verifiable. In addition, per XXXX XXXX XXXX XXXXXXXX XXXX, the issuance of a 1099-C form by a creditor constitutes an identifiable event of debt cancellation under IRS guidelines . Specifically, Event Code 7 refers to a creditors policy decision to cease collection efforts and cancel the debt. 

Requested Actions Verification of the Account Balances : Provide clear evidence confirming that the balances reported for the XXXXXXXX XXXX and XXXX XXXXXXXX accounts are accurate and legally collectible. 

Provision of the 1099-C Forms : If these accounts were canceled and a 1099-C form was issued, supply copies of these forms to verify the identifiable events of debt cancellation.

Permanent Deletion of Inaccurate Accounts : If the debt was canceled under IRS Event Code 7 or can not be verified, both accounts must be permanently deleted from my credit reports in compliance with the FCRA.

Failure to Respond If you fail to address this dispute within the 30-day investigation period, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and other relevant authorities.

I have attached supporting documents, including copies of my credit reports highlighting the disputed accounts, for your reference. I look forward to receiving a written confirmation that these inaccuracies have been corrected and that the accounts have been permanently deleted from my credit reports. 

Thank you for your prompt attention to this matter. 

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

Dear Consumer Financial Protection Bureau, I am filing a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681. Despite three dispute attempts, these credit bureaus have retained inaccurate and unverifiable items on my credit report, causing significant harm to my financial standing. 

Key Issues : Failure to Conduct Reasonable Investigations ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : The credit bureaus marked disputed items as verified without providing factual documentation.

Retention of Unverified Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) : Disputed items remain on my report despite the lack of proper verification.

Failure to Provide Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) : My requests for the name, address, and contact information of furnishers have been ignored.

Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) ) : The bureaus have failed to ensure the maximum possible accuracy of my credit file.
Product: Vehicle loan or lease

My name is XXXX XXXX this complaint is in regards to vehicle titled under Hyundai Motor Finance under VIN # XXXX. Hyundai Motor Finance is in violation of a law that pursuant to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information. During our agreement of the loan terms in Hyundai Motor Finance automotive dealership , & automotive loan financing department. I never verbally, written, or implied to agreed upon the disclosure of my car loan or my car loan 's vital information to third party or any form of public record. This is car loan is on my personal credit report which I never gave consent to share or report, nor was I notified of such details will be shared with a third party before hand. I have sent a letter on this date given my written request to exercise my god given right to opt-out from sharing details with a non-affiliated third party including ( Credit bureaus ) without my consent. I was not made aware of my right to do so at the time of our agreement, I was not given the opportunity to do so, and I never agreed to having the details of our agreement shared. Hyundai Motor Finance are now breaking the law and could be held criminally and civially liable. I have attached a copy of the written agreement, it doesn't say that you will share information with XXXX, XXXX, or XXXX. On the last page states that all federal law and Georgia law apply. Also, have attached the written letter I sent XX/XX/2021 with the tracking to Hyundai Motor Finance address.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging post of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, with transaction set up with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

i HAVE RECENTLY PULLED MY CREDIT REPORTS AND CAME ACROSS SOME ACCOUNTS THAT DO NOT BELONG TO ME AND FRAUDULENT ON MY CREDIT REPORT. I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES NEVERLESS I HAVNT SIGNED CONTRACTS WITH THESE ACCOUNTS. IM REQUESTING THAT YOU DELETE THESE ACCOUNTS FROM MY CREDIT PROFILE AS THEY ARE HURTING MY ABILITY TO DEAL WITH EVERYDAY LIFE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX