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

On XX/XX/XXXX around XXXX my XXXX XXXXXXXX XXXX  was repossessed by westlake financial. The owner of the tow truck showed me that westlake financial has a tracking device on my car. I was not made aware nor did I sign a consent for the dealership or westlake to track my location. ( Civ. Code 2983.37 ( a ) ( 2 ). This is one of many of my rights that westlake financial has violated. I refuse to continue making payments on the vehicle due to my right to descend. A down payment was taken from me at the day of purchase which is also against the law. Westlake stated the will apply a XXXX credit to my account which was the amount of deposit I was asked to pay. They stated my rights were violated by the dealership and not them. I am in the process of trying to sue westlake financial for violating my rights and for emotional distress but it is a bit difficult since I live in a different state.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account was opened fraudulently in my name. 
Opened XX/XX/2021 XXXX XXXX of {$510.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against EQUIFAX for failing to properly investigate. I want all reported accounts removed. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C, 1681i, which mandates a reasonable investigation of disputes. Furthermore their 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-002 ) against them for similar violations. I request that the CFPB take action to ensure EQUIFAX complies with the federal law and provides customers with the necessary proof of investigation. 
I want reported accounts removed.
Product: Payday loan

Borrowed {$600.00} from castle payday loan and they are saying that i have to pay back {$5400.00}. there is no way im going to pay that amount of money back to them, that is highway robbery!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

I found a checking and savings account was opened in my name due to identity theft. The account was opened at XXXX XXXX XXXX. I did not authorize or have any knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX obtained a debt from XXXX XXXX  that was fraudulent and since been removed from my latest report, But the collections account that is appearing on my report is due to the fraud that occured with XXXX XXXX  and it shouldnt appear on my report Account details XXXX XXXX XXXX XXXX {$610.00} Open balance 12 XXXX XXXX  Original creditor Opened XX/XX/2021 ( 9 mos )
Product: Debt collection

I've reached out to this company multiple because they are reporting inaccurate information on my credit report, now they are harassing me about a debt that is not mine and they still have not provided verifiable documents to prove the debt belongs to me. 

This letter is in response to all letters, emails, phone calls, or any other mediums of communication where Ive received notices from your organization. In accordance with the Fair Debt Collection Practice Act, specifically 15 U.S. Code 1692c, this is my formal declaration to terminate and cease all this Cease Communication letter, and in accordance with the Federal Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts, or to notify me that a specific action will take place.

If this alleged debt belongs to me, then please provide the Validation of Debt agreement that speaks on my behalf. In accordance with 15 U.S.C. 1692g, please send me a detailed list of the history of payments Ive made on this account. I also want to witness the signature that Ive signed on the official contract documents guaranteeing that I would pay this creditor or your agency. I am also requesting proof that there has been any insurance claims found on this debt. I will request proof that you have the chain of title to collect on this debt. 
Please be advised that I am will aware of my rights and know that further contact by you or your company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. In addition, any third ( 3rd ) party that you use to coerce the collection of this debit shall also be in violation of federal law.

If you do not cease communication, a lawsuit will be filed against you.

This letter has been sent by certified mail with return receipt and shall be presented to any court of proper jurisdiction if communication continues.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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 Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have repeatedly tried to speak to Navinet regarding in ability to pay my student loans due to my inability to work based on my medical condition. I have filled out numerous forms. Submitted forms from my physicans to have my loans discharged due to XXXX. I have even attempted payment arrangements so that I would not have negative impacts on my credit. This is has been a long exhausting confusing battle of information being lost, no record of my calls etc..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX card recently sent me a bill after my account has been closed with them via a legal means. I submitted a dispute to XXXX card and which XXXX of representative responded that the trade line has been removed. Its been over a month and XXXX  seem to not remove the item but rather when I submit a dispute to show the account has already been deleted. XXXX card service keep verifying a trade line that they said has been deleted which is false representation. Kindly attend this matter as matter of urgency as the account is still on my credit report and hurting it even more. Attached is documents which stated our previous conversation with XXXX and how untrust they can be. Delete this account as stated in our previous dispute via CFPB. Please provide document of deletion to make sure it was confirmed to be deleted!
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 : XXXXXXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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

I am writing to file a complaint against XXXX, Experian, and XXXX for not investigating my credit dispute and failing to provide a response within the required time frame as per the Fair Credit Reporting Act ( FCRA ) guidelines. 

On XXXX XXXX XXXX, I submitted a dispute to XXXX, Experian, and XXXX regarding inaccurate information on my credit report. 

The disputed items were : XXXX. XXXX - XXXX - 15 U.S.C. Section 1666 Correction of billing errors - Update to paid as agreed and remove late payments from the payment history. 

XXXX. XXXX XXXX - XXXX - Under 15 USC 1666 Billing Error - Update to paid as agreed and remove late payments from payment history. 

XXXX. XXXX - XXXX - Due To The XXXX Forbearance Program Regulations It States That No Late Payments Are To Be Reported To The Financial Credit Bureau During The Time Of COVIDs Forbearance Period. - Please remove late payments from my payment history and update to paid as agreed never late. 

XXXX. XXXX - XXXX - Due To The XXXX Forbearance Program Regulations It States that no late payments are to be reported to the financial credit bureau during the time of COVIDs Forbearance Period. - Please remove late payments from my payment history and update to paid as agreed never late. 

XXXX. XXXX - XXXX XXXX. XXXX - XXXX - Under 15 US Code 1692g Validation of Debts- Please delete this account immediately. 

XXXX XXXX XXXX XXXX XXXX - Under 15 US CODE 1692g Validation of Debts- Please delete this from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX  - Under 15 US CODE 1692g Validation of Debts- Please remove this account from my credit report immediately. 

I provided all necessary documentation and evidence to support my claim. 

Credit reporting agencies must look into disputes within 30 days ( or 45 days if more information is given during the investigation period ) and let the consumer know what the results are. But XXXX, XXXX, and Experian haven't responded to my dispute or given me any updates on the investigation, even though the deadline for the investigation has passed. I am trying to buy a home as soon as possible, and this is really hindering the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent letters to XXXX, Equifax, and XXXX regarding inaccurate and unknown accounts as well as addresses that are showing up on my consumer report and credit file. I have made all three of these companies aware that my identity was compromised and I was a victim of fraud. I do not understand why these companies continue to ignore my disputes requesting them to delete the inaccurate and unknown accounts and addresses that they continue to report when I have made them aware of these headaches several times now. XXXX sent me an email stating the information was updated and I have never seen any documentation for this account I have demanded them to provide physical proof to verify this information and they have not and can not because there is no proof of these accounts belonging to me at this point I feel taken advantage of Equifax and XXXX did not even have the decency to acknowledge or respond to the disputes and it has been well over 30 days to my knowledge they have not even started an investigation at this point. This is causing financial hardship for my family please delete these inaccurate and unknown accounts as well as addresses immediately.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian concerning their failure to conduct proper investigations into several disputed items on my credit report. Specifically, these items include : Unauthorized Hard Inquiries : I identified multiple hard inquiries on my credit report that I did not authorize. Despite disputing these inquiries, Experian failed to conduct a reasonable reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). According to the CFPB 's recent lawsuit, Experian often neglects to reinvestigate disputes regarding hard inquiries unless fraud or identity theft is alleged, which violates FCRA provisions. 

I am aware that on XX/XX/year>, the CFPB filed a lawsuit against Experian, alleging that the company conducted " sham investigations '' into consumer disputes and failed to properly address inaccuracies in credit reports. The lawsuit asserts that Experian violated the FCRA by : Conducting superficial investigations that do not adequately address consumer disputes. 

Failing to delete inaccurate, incomplete, or unverified information from my credit files. 


My experiences align with the allegations in the CFPB 's lawsuit, as Experian 's handling of my disputes appears to reflect the same inadequate practices. Their failure to conduct thorough investigations and reliance on automated processes have resulted in the continued presence of inaccurate information on my credit report, adversely affecting my financial standing. 

I respectfully request the CFPB 's assistance in : Ensuring the removal or correction of any information that can not be verified as accurate. 

Implementing measures to prevent the reinsertion of previously deleted inaccurate information without proper verification and notification. 


Thank you for your attention to this matter. I trust that the CFPB will take the necessary steps to ensure Experian complies with federal regulations and that my rights as a consumer are protected.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp ( 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 process 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: 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 that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also 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: Mortgage

Our mortgage company was not paying one of our property taxes when they should have been paid from escrow. This has happened since 2019 and we just found out because we were served with legal papers because an asset management company bought the lien in a sale and we are now being the threatened with foreclosure. I have a copy of my title that very clearly shows the two property numbers so the mortgage bank just failed to pay both property taxes. I have contacted the bank and they are dragging their feet and just telling me they are looking into it, while I can lose my home.
Product: Credit reporting

In XXXX 2015 I visited a XXXX to be treated for an illness. My health insurance was billed, and they covered the visit ( I only paid a copay ). In XXXX 2015, I visited the same XXXX location to treat a XXXX XXXX with the belief that they accepted my insurance because they had accepted the same policy in XXXX of the same year. Sometime after my visit, I received a bill for {$250.00} in the mail for the 5 minute office visit to XXXX. I did n't understand why I was covered in XXXX, but not in XXXX. I called my healthcare provider, and they told me that in XXXX that had made a mistake, that XXXX was out of my network, but they caught it in XXXX, so they billed me in full for the visit. I believe that this was very misleading on their part -- since they covered my XXXX visit, it led me to believe XXXX was in-network. I contested this claim to my healthcare provider through their internal review system to no avail. I then submitted my objection to my state 's insurance review board, but I never got a response from them on the matter. I then contacted XXXX and went through their internal review process in an attempt to get the bill reduced as it seemed an exorbitant amount to pay for a 5 minute office visit, but they too denied my dispute. While going through this process to fight what I thought was an unfair ruling by my healthcare provider and XXXX, my {$250.00} bill went into collection. I have since paid off the {$250.00} bill from collection in full ; however, after obtaining a credit report, it has come to my attention that, since the medical bill went into collection, it is negatively affecting my credit score by up to XXXX points. I believe this is patently unfair. I have spent years since I graduated college to build up my credit score in order to buy a car, save for a home, etc., only for my credit score to be adversely impacted by, what I believe, was my healthcare providers initial mistake of misleading me into thinking my insurance was accepted at a healthcare provider due to their previously covering my visit to the same location. I would like to see this medical bill removed from my credit history in order to restore the good credit I had been building up over years.
Product: Vehicle loan or lease

Hello, I have been contacting Bridgecrest since the end of XXXX to inquire about deferring XXXX monthly payment. I had an unexpected expense of {$7000.00} to replace a XXXX  XXXX XXXX. I was told in XXXX to set up payment arrangements with a partial payment for XX/XX/XXXX and the other for later in XXXX. When I called about the partial payment, I was told that I do not qualify for the extension and I had to wait until next month. I borrowed and was able to satisfy the payment. 

Since then, I have called practically every week after a deferment option for the XX/XX/XXXX payment. I was told to call on the XXXX or XXXX and since I had at least XXXX pymnts, no nsfs, no prior extension, I could then be submitted. I called yesterday, XX/XX/03, I was told I do not qualify for an extension. I asked if I had to wait until tomorrow, I was advised I could try but an extension is on a case by case basis per account. I asked again for minimum criteria : hardship, at least XXXX paymdnts made, and no nsf. Looks like I meet the criteria. The person told me that the company usually prefers the consumer to be at least 60 days past due. I again asked for the extension/deferment criteria, which I show I meet. 

It I called back today, account XXXX  day past due, was told that I have to have dire need. What?!? I had to pay for an AC unit, Im sorry that im not XXXX. I am asking for assistance eyrh deferring 1 monthly payment and/or the qualifications in writing for extension eligibility. Something should be easily shared with a consumer or regulator. 

Please have someone contact me by phone or email to discuss deferment options.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following collectors, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Acoount # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

XXXX posted duplicate purchases in error when delivering a damaged XXXX XXXXXXXX weight set. XXXX  refunded the purchase and only removed one errant charge. The other errant charge in the amount of {$620.00} remains. It also incorrectly reduces my credit limit was does not allow for larger purchases as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to take even basic and rudimentary security steps to secure my data that would be commonplace even 20 years ago. 

Kept all of my information in the same database so that 1 key works for the whole kingdom and now my ssn, dob and address are all up for grabs to whoever wants them.
Product: Money transfer, virtual currency, or money service

Unknowingly responded to an email, see photo attached. My bank account was hacked, my computer taken over, while I was online on my bank acct. Funds were transferred without my permission through XXXX, which I never opened up or used, to XXXX, and XXXX in the amount of $ XXXX to each. I filed a fraud report with Bank of America, XXXX fraud line, XXXX, FBI and NM State AG immediately. BofA told me it would take XXXX days to investigate. No instructions for follow-up were given.