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

took out a car loan with American Credit Acceptance in XXXX. I have gotten my car repossessed a few times without notice. American Credit acceptance have not given me notices and statements about my account. They are overcharging me in fees and with the entire loan. I went into bankruptcy in XX/XX/XXXX and again in XX/XX/XXXX after my car was repossessed. I later had the bankruptcy dismissed and went back into a regular account, which at that point the car went into repossession again with a past due balance of around XXXX. I never received any statements nor documents from American credit acceptance. They claimed my account was written off and I never received a statement. I requested documents that they do not have because they claim since my balance is over XXXX days past due they dont have to send me anything. While I was in bankruptcy they never sent anything to my attorney. They canceled the XXXX and XXXX XXXX XXXX and claimed I received credit for that, and when I asked for that I still have not received it yet. They keep saying since my account is 60 days past due I cant get it. From XXXX until XXXX my car was not registered due to American Credit Acceptance registering the title in South Carolina leaving me getting ticket for non registration of vehicle, and driving while not registered. XXXXmerican Credit Acceptance sent Wisconsin the title and paid the title fee for me to re register the vehicle. American Credit acceptance told me to pay my monthly payment every XXXX weeks to bring the past due balance down, per policy. I asked them for a copy of that policy. I was told that its an internal policy and that it is not in writing. I expressed that I feel singled out and that I feel that they are picking and choosing who they are putting this type of policy in and it is not fair, and that I will be contacting equal right division. I started paying the XXXX every XXXX weeks only to call on XX/XX/XXXX when I was about to make a payment and noticed that my balance is still over XXXX. I called and was told that my payments is going to interest, but that is not what I was told. I was told that the XXXX every XXXX weeks would go towards the past due balance not the overall balance. I asked when will I go to monthly payments and they said and they said that I will never gi back I will pay every XXXX weeks until the car is paid off. This is a violation of contract and they lied to me. They do not have documentation that they have been keeping in tune with my account and is treating me different. There is something they are hiding with my account. They are also overcharging me. I need someone to look into this issue.
Product: Credit reporting or other personal consumer reports

I was a victim of fraud resulting in inquiries on my credit report with Equifax. 
Ive tried to send letters letting Equifax know the inquiries on my credit report were fraudulent some time ago. 
With no help from the company I submitted a complaint with XXXX. 
I will list the fraudulent inquiries below I also will attach the XXXX  complaint letter. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( reporting XXXX ) XXXX XXXX XXXX XXXX reporting XXXX ) XXXX XXXX  ( reporting XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have an ADP Wisely pay / debit card. 

On XX/XX/23 some fraudulent charges had just automatically started to drain from my account, thankfully not much but it is still alarming. Especially when the vendor is saying XXXX XXXX XXXX. 

XXXX does not have this card on file, or any card that I can think of. So it is obviously a scam of transactions. I looked it up and there are many complaints stating these charges are scams. 

I started the dispute the same day. Card has been replaced since. But what we were not immediately told, is that it will take up to 45 days ( including up to 90 days ) to not only complete the investigation but to see the funds returned. Does this not mean that due to the limitations, I may never get my money back? This is my complaint. 

Upon research, many places say up to 10 days the funds should be returned for a debit card, I have a debit card. Even if it is temporary, and the charges are determined to be legitimate. Which in this case, I neither approved nor knew about these charges. I happened to be on my account when I noticed it. I'm glad I did, because the charges could have gone on! It started at {$15.00}, {$15.00}, then {$5.00} and {$5.00} and the charges are small so that they stay under the radar and not get caught.
Product: Credit reporting, credit repair services, or other personal consumer reports

My HELOC w ith First Merit B ank termed out  XXXX   of 2016 an d at end of term  First Merit sent a statement showing the total balance due. Seeing that I did not have over {$300000.00} on hand I called First Merit Bank for guidance. I was told by a representative to continue m aking monthly payments of {$1000.00} to at least cover the interest while they sort things out. I then received an alert on my credit report that I was being reported as late, even though I made {$1000.00} payments from  XXXX   2016 -   XXXX   2016. I then  called the  First Merit customer service line. The First Merit  Bank representative told me several times the credit reporting would be reversed, yet each month things got worse not reversed. I talked to my branch contact  XXXX   XXXX  who called customer service on my behalf many times. The n Huntington Bank took o v er First Merit Bank  and now many of the personnel familiar with my situation are no longer employe d by Huntington Bank.  Luckily my  XXXX   XXXX  branch contact  XXXX   XXXX  is still wit h Huntington B ank.  XXXX  has made and continues to make several phone calls and has also been told mulitple times that the reporting is being corrected.  Huntington Bank has  since given me a two year extension on my HELOC, yet at a higher interest. If I were 120 days past due why on earth would anyone extend credit to me? Internall y, Huntington Bank k nows my credit report is incorrect but any other potential lenders looking at my credit report do not know the facts.
Product: Mortgage

I am a XXXX in XXXX Az and represent the seller. The buyer came prequalified with a loan from US Bank, XXXX XXXX XXXX, NMLS XXXX. All communication via the Loan Status Update document and other email showed the buyer as being prequalified but 3 days prior to closing, US Bank decided to deny the loan because of something on her credit from when she was married years ago. This wasn't something new that just happened and should have been caught during the weeks leading up to closing. They were unapologetic and would never give anyone a clear reason as to why the loan was denied. I never received anything in writing alerting us to a potential issue. 

The seller during this time had moved to TX and put an offer on a home, now risking the loss of earnest money because of US Banks negligence. The buyer quickly found a lender at XXXX who said they could close in 2 weeks if US Bank would supply the appraisal. US Bank said they would and promised each day to send it over but kept dragging their feet and delaying the paperwork. We should have known they would not do as promised and just ordered a new appraisal. 

Now, we are days from the second COE date and they still have not supplied the documents promised. During this time I have called my several contacts at US Bank numerous times to complain and plead for help but no one has returned my calls. I told them several lives are being held hostage and unable to move forward because of their negligence but they still do not seem to care. The lack of fiduciary duty by these in the mortgage industry is embarrassing to our industry and a cause for concern. They should not be practicing in this industry. Please let me know if there is any recourse with US Bank.
Product: Payday loan, title loan, or personal loan

I have a fixed loan through Wells-Fargo XXXX XXXX about XXXX XXXX XXXX and I've made payments every single month via automatic payments. I recently went through a process of switching banks and when I went to make the changes on this account with Wells Fargo, their process was not only confusing but I apparently missed a step and when I called them in regards to this they were uncooperative and unwilling to accept at least partial responsibility for at least not contacting me with this issue. Since I've never missed a payment and only had this XXXX issue in regards to switching bank accounts, they made me feel like I did something wrong! Well I did because I missed a step, but in my defense their process was very convoluted and I thought I had done my due diligence in at least following up when I didn't see that the payment had gone through. I've heard horror stories over the years in regards to Wells-Fargo XXXX XXXX simple things like direct deposits into person accounts etc ... .but this is my first negative experience with them and I feel that their process is extremely unfair and that since this was my first issue with them and I caught it right away that they could have been a bit more forgiving but they obviously don't care. I still have XXXX more months to pay this loan! I have attached the XX/XX/2022 and XX/XX/2022 statements. The XXXX XXXX shows the added late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, thank you for your continued service. I hereby declare all damages after XXXX-now to be transferred and fully unassociate from my social and my records. I have concluded my reporting to the fbi and XXXX  XXXX pd case XXXX. XXXX XXXX, XXXX, XXXX, and XXXX damages remain. I should be debt free, XXXX all credit scores with perfect bill payer history. I need a new ssn, drivers license #, need to move out of XXXX  under a po box for our safety, I will provide a private settlement amount. The XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX was used as the reason for the suspects to attack  my family and I. XXXX XXXX Account # XXXX and any association to XXXX  under my ssn is fraud. XXXX XXXX XXXX, XXXX Was created by XXXX XXXX to assist with scams and illegal child adoption and more attacks  on innocent. 
XXXX account # : XXXX XXXX  : XXXX XXXX XXXX XXXX, pa  XXXX fully controlled and used for criminal leverage and crime same with XXXX suspects claimed responsibility XXXX : XXXX I expect all damages to disappear and to be restored fully. XXXX medical records XXXX is invalid, it's only evidence of a crime report, I have no known health issues. 

Thank you for your continued service, God bless America, Remember our freedom XXXX ( no longer XXXX ) Ssn XXXX XXXX See ftc Federal trade commission and court cries for help immediate separation and settlement XXXX XXXX
Product: Debt collection

I fervently dispute the amount you ( Macys ) says I owe ( {$4100.00} ). For the past three years, Macys has been charging me for a ring I NEVER PURCHASED! This is so ridiculous! I am XXXX  and thus is unable to understand my statements well. I only see the balance, so I've continued making the payments not realizing until lately that my balance has not been going down but getting higher. I have been doing that faithfully for the past three years. Recently I realized that despite my years of payments, my balance has not gone down. After having a friend look my paperwork over for me, I eventually discovered that Macys charged me for a ring I never purchased. This is highly unacceptable. Therefore, at this time or anytime I dispute this balance of {$4100.00} on my account and demands that you immediately take this off my credit and account as well as send me proof/documentation with evidence that it was indeed me who purchased the ring from you three years ago. I am so disappointed I have never experienced this in my life, and I am a faithful payer, and to add insult to injury I have spent upwards of 10s of thousands of dollars with you over the years. 

I have been made fully aware of my legal rights and your obligations and potential liabilities under law and expressing my intention to pursue any and all available legal remedies against Macys should this letter fail to generate an appropriate response.
Product: Credit card

I was coerced into opening this account at the dealership- said it was the only way to received a promotional discount they were offering. I had no idea I would not receive statements on this card or that the only option to offered to pay the card was to allow Goldman to debit my account. I received no statements on the card and received a message that the account was past due. I called and finally got an address to send payment and sent full payment of balance {$880.00}. I was told they would waive the late fee and the account was to be closed. This was XXXX of XXXX  -since that time I continue to get messages that the account is past due for late fees- {$130.00} in late fees. I have called repeatedly to get the late fees waived which they say they will do and then I get a message that the request has been denied. I have called 5 times to get these waived with no resolution. The only balance on the card are the late fees and the interest they are now charging on the late fees. They refuse to address this with me, they refuse to escalate this to anyone with authority to address this situation. They basically are using their power as Goldman Sachs to hold me hostage over the first late fee of {$29.00} which I was told would be waived and now they keep charging late fees- now {$40.00} per month on the original late fee. This is reported to the credit bureau and has dropped my credit score from over XXXX to just over XXXX. I am being held hostage by Goldman Sachs to my detriment as an individual consumer
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, there is a recent CFPB lawsuit that highlights 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 unfeasible. The CFPBs 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. This lack of accountability and transparency is unacceptable and raises serious questions about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX, all this accounts below has violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

DEBT VALIDATION LETTER Date : XX/XX/XXXX To Whom it May Concern : This letter is being sent to you in response to a notice sent to me on XX/XX/XXXX regarding account XXXX advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 
Sincerely, XXXX XXXX XXXX XXXX XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hours stating the account is accurate, without providing any evidence through investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for the similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I repeatedly keep having to file several disputes with Experian concerning a XXXX XXXX bankruptcy that they listed on my credit report. In my last attempt to get Experian to reinvestigate this information I requested them to verify this information. And if they couldn't please remove the XXXX XXXX bankruptcy from my credit report immediately. But they fail to comply with my demands and completely disregarded my previous dispute requests. I also had supporting documents from the bankruptcy court clerk stating that they don't verify or share any information with the credit reporting agencies at all. By Experian reporting this unverifiable information on my credit report at their agency is a major violation of my consumer right under the Fair Credit Reporting Act ( FCRA ) and I demand the complete removal of this information from my credit report for this reason. I also attached the letter from the bankruptcy court clerk stating these facts to support my claims.
Product: Credit card

Don't know where to begin. I have been charged random amounts from XXXX, since XX/XX/XXXX. I filed a dispute in XX/XX/XXXX and stopped using the card. Amounts ranged from {$9.00}, {$18.00}, {$7.00}, {$160.00}, I was sent a new card and did not activate it. I also received correspondence from the Citi Bank of suspicious possible fraudulent activity. I sent {$300.00} in XX/XX/XXXX to prevent finance charges. Nonetheless, I recently been receiving calls that the account is past due and haven't received a statement in months and no correspondence on the status of the disputed amounts. I have spent approximately two hours trying to resolve. Phone calls resulted in : " you need to speak with Security Operations '', you need to speak with " Fraud Department '', you need to speak with " Customer Service '', extremely muffled connection, difficultly understanding the person ( possible overseas connection ). The experience has been unbelievable. I ended up paying finance charges just to close the account/s.
Product: Credit reporting, credit repair services, or other personal consumer reports

they said they will call me back and never did. 

see complaint exhibits for dates and more info.