23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had been harassed by USAA for 8 months. They had been telling me that I was past due of about 83 days. I had been paying the car note on the XXXX XXXX every month from XX/XX/XXXX-XX/XX/XXXX but they kept saying that I owed them more. On XX/XX/XXXX, I paid them {$440.00} for XX/XX/XXXX and XX/XX/XXXX payments. I called them back in XX/XX/XXXX to make a payment of {$220.00} and they told me that my car was up for repossession and that I owed them about {$600.00}. On XX/XX/XXXX, USAA repossessed my XXXX XXXX and then sold it at an auction about a month and a half later. Then, they are still sending me statements in the mail stating that I owe them about {$2600.00}. When I first purchased the vehicle in XX/XX/XXXX, USAA sent me a check for about {$12000.00}. Then I went to a car dealership to purchase the XXXX XXXX and the dealership gave me a bill of sale. Also, I never got any copies of the contracts from USAA when I electronically signed the documents online when they allowed me to borrow the money. My credit score was about XXXX then when they repossessed it, my credit score dropped all the way in the XXXX. I ca n't get any more credit because of them. USAA is not for us Military Veterans. They are a major rip-off. Something needs to be done about this ASAP!!!
Product: Credit reporting or other personal consumer reports

I have identified an account that is having a significant adverse effect on my creditworthiness and financial stability.
Product: Debt collection

Midland credit management changes the original amount of the original debt with every increase of {$1.00} they add to the balance due. The original amount of the debt should be the authentic original amount when they purchased the debt of the last statement by the credit card company. It is the original amount owed to the original creditor not the amount Midland Credit Management has added their own associated fees to the original balance owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  acct # 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 reporting, credit repair services, or other personal consumer reports

I am very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how credit bureaus received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX, XXXX 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

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify these inquiries. being that they have gone past the allotted days and can not verify these inquiries, under Section 611 ( 5 ) ( A ) of the FCRA. they are requested to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possibly, Thank You Thank You
Product: Credit card or prepaid card

I purchased a vanilla gift card at XXXX for {$200.00}. It did not activate. I tried to get refunded at XXXX, they told me I'd have to work with Vanilla gift card. XXXX. I submitted all the paperwork required in an email with my case number : XXXX ( included a copy of my receipt, gift card the front and back, driver 's license ( along with change of address ) Each associate listed below confirmed that all of my required documentation was received on XX/XX/XXXX. I have had to call multiple times to find out what is going on with my gift card. I have wasted almost XXXX XXXX  trying to resolved this. The gift card was bought as a present for my niece for graduation. I'm so glad I checked it first. 

These were the days I called : I have the original email as well that has the documentation XX/XX/XXXX - ( XXXX XXXX XXXX XXXX XXXX ) called to find out what I needed to do. 

XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  ) called to find out process after paperwork was submitted. Thought I submitted paperwork XXXX - ( XXXX XXXX XXXX XXXX ) spoke with XXXX, called to find out if paperwork was received and found out I had the wrong case number. So I resubmitted with the correct case number. 

XX/XX/XXXX ( XXXX XXXX XXXX XXXX  ) called and spoke with XXXX. she said it would take 30 business days to process/research. If nothing is heard by that time an escalated email would be sent and I would hear back in XXXX XXXX 

XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX ) spoke with XXXX- it wasn't 30 business days yet was told to call XX/XX/XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) - spoke with XXXX- she told me the issue was RESOLVED and a new card would be put in the mail XX/XX/XXXX. It would take XXXX days to receive it. I asked why it wasn't going to be mailed until Monday and we were " disconnected '' XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) - spoke with XXXX confirmed my mailing address : However, he said it was NOT resolved and he would put in a priority email : the tracker number is XXXX and I would get an email within XXXX hours. 

XX/XX/XXXX - ( XXXX XXXX XXXX XXXX XXXX ) Spoke with XXXX - ( since I hadn't heard anything ) she said it was still not resolved - she was going to put in another email- I asked to speak to XXXX - on hold for XXXX XXXX no luck, so I hung up and called back XX/XX/XXXX - ( XXXX XXXX XXXX XXXX XXXX ) spoke with XXXX she asked me to verify everything again : mailing address, phone number, date of birth, email address and she told you me that the paperwork was never received and the case is closed because the documentation was never received. XXXX people before verified that they received all my documentation. 

After the last call I sent another email to XXXX asking for a resolution. That email also has all of this information along with all the requested documentation. 

Not only have I wasted an substantial amount of time, the money is sitting in their bank account collecting interest. I have no idea what to do. {$200.00}, is not a small amount of money to just loose.
Product: Debt collection

This company continues to call and harass me by calling my job, my coworkers, friends and my family. I've asked for the calls to stop but they just continue. They harass me everyday. I want the harassment to stop ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Great day, I purchased a car from XXXX XXXX in XX/XX/XXXX. The car was having a safety issue that the dealership XXXX XXXX XXXX XXXX XXXX along with XXXX 's support team could not fix. With help from XXXX XXXX XXXX XXXX through New Jersey division of consumer affairs. A final attempt of repair was made in XX/XX/XXXX. The problem still persisted. A repurchase offer was made in XX/XX/XXXX by XXXX XXXX a Senior Specialist Customer Resolution & Retention with XXXX XXXX XXXX XXXX XXXX which owns XXXX XXXX, and the closing coordinator was XXXX XXXX An agreement was made in XX/XX/XXXX, and the account was placed in a protective status through XXXX. I made XXXX XXXX payment, but XXXX XXXX requested a check from XXXX financial because the account was placed in a protective status and I was not required to make XXXX XXXXs payment. The car was returned on XX/XX/XXXX. Due to the car being defected, all monthly payments and upfront costs at the time of the sale were refunded ( except for XXXX XXXX payment ). The account was closed once paid off by the XXXX retention team. But it placed two monthly payments that were in a protective status as 30 days late. This information is false and doesnt follow the Fair credit reporting act.
Product: Credit reporting or other personal consumer reports

See attached for complaint. 

To prevent any stall tactic from transunion. I have enclosed two forms of identification.
Product: Checking or savings account

Because of my consistently low bank balance and foreign sounding name, I have been discriminated when the bank uses banks " security '' policies, rules and regulations to harass, threaten and fine me into dismissal if I don't pay unsolicited or unpublicized fees and fines simply because I don't purchase the kinds of products that earn the bank more revenue. 

Although I have registered many complaints about how after years of paying excessive fines/fees that were never advertised or disclosed when I opened the accounts, the customer service is poor and sometimes illegal ( because of various data breaches and poor technology services that keep me from accessing my money in a convenient manner ), I have put up with this because of the administrative hassle of changing banks, and as a result have been a loyal and a legally abiding customer for years. 

Yet, because one client gave me one fraudulent check, I was being threatened in a hostile tone by one customer service with the prospect of being discharged from the bank for being deemed " at risk ''. I have been talked down to in unprofessional, informal manner and gaslighted and forced to take the blame for " allowing '' myself to receive a bad check even though I was the victim. 

I am a business owner and often have to assume risk that some checks might be bad. It doesn't mean that I should be treated like a common criminal like this company treated me as as retaliation and harassment for passionately complaining about their illegal and profit scheming practices the day before. These threats and this harassment to discharge me is not only discriminatory, but has systematically resulted through years of non-advertised fines and fees.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Transunion & Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

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

i was a victim of identity theft, so i put a freeze on my account. due to the identity theft, under california law i can freely do temporary lifts. at equifax and experian i can easily go to their freeze website and use the pin they sent me to temporarily lift the freeze, but at transunion i was forced to setup an account and even then using my pin i 'm charged {$10.00} to temporarily lift the freeze. i 've called to manually lift the freeze, but that is a long process since it is almost impossible to get to someone to speak to and impossible to do on the weekend. i 've asked them various times to fix it and the response i get from customer support ranges from, we ca n't to next time it will work ... it has become so burdensome that i 'm willing to pay the {$10.00} to do the lift.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Names : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am filing a complaint against transunion, experian, and Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, transunion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, transunion, experian, and Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

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

The following is the complaint that I sent to OCC about my mortgage : " On XX/XX/XXXX, I began making trial payments to Bayview Bank. No payments have ever been attributed to any account. On XX/XX/XXXX, after 15 payments on time, Bayview Bank refused to continue taking my payments, I have no idea why? In XX/XX/XXXX, I hired an attorney to help me get answers and resolve this issue. However, nothing has change, instead of extending a mortgage modification, Bayview Bank has continuously added late fees, penalties, attorney cost monthly which is now approx. {$51000.00}. I need know why they stopped taking my payments? And, why they refused to give me a mortgage modification? I need your help and please assist me in any way possible. Thank you. ''
Product: Credit reporting or other personal consumer reports

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 


No additonal information was taken by the Dept of education nor the Federal Government.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/XXXX at approximately XXXX I received an email that my Chime spending account was being suspended. As well as my Chime credit card. I currently have {$1200.00} dollars in my account. They said it was due to how my expense reimbursements where being paid. They requested documentation which I expediently submitted. I have a chain of emails and call logs in my attempt to follow up with the situation. Chime tells me it's XXXX that is suspending the account. However when I reach out to XXXX they tell me they have no information and I would need to deal with Chime. I have never felt to helpless when trying to access my funds for something as simple as fuel to my car. I have been a member with Chime for over 2 years. I stayed with them even after a multi-day outage where we could not access any funds. No one nationwide could access any of their funds in their spending account. Suspending one 's account without warning is an incredibly unfair and deceptive business practice. I would have been happy to provide whatever they requested had they notified I was at risk for suspension. We can not contact any live agent in this supposed review department and have to email a go between department. I just need to pay my bills and feed my kids.
Product: Checking or savings account

I have a complaint lodged with the XXXX ANF GETTING READY TO FILE ONE WITH FTC FOR SCAMS AND ID THEFTS BECAUSE OF DIFFERENT BREACHES I HAVE BEEN INVOLVED WITH!
Product: Credit reporting or other personal consumer reports

Online portal was set for automatic payments. I never received an email or phone calls indicating I was past due. There was no attempt in collecting monthly payments. The statements were being mailed to an unoccupied residence. Account has been paid in full and XXXX balance is reflecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account. Credit card. Which does not belong to me and would like to be removed from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This credit card shows in my credit report. It doesnt belong tome
Product: Credit card or prepaid card

On XXXX XX/XX/2021 when I went to use my card for a purchase I was told by the Automated Voice that the account was closed for any future purchases? My concern is this account was always paid on due date and due to medical hardship carried a balance. For Synchrony originally GE Money to make the assumption based on my credit score or information on my credit reports decisions made to close my account can be premature? Especially when I have submitted disputes to include utilizing the Consumer Financial Protection Bureau. Taking these measures has removed negative information from my reports and is still ongoing. Additionally, my concern is that Synchrony has been reviewing my wife 's medical hardship debt management program settlement with her individual accounts that are exclusively her accounts but were settled by her attorney 's just recently. May be a coincidence? I have been a good customer on all of my accounts and feel to close my accounts based on credit reports that have numerous inaccuracies to include disputes should not be the only criteria to close accounts for example I have 40 years of Federal Service an excellent employment history and 40 years of great credit history. There has been Life Events with my wife 's medical XXXX that has created some credit issues but are constantly under review and challenged through the credit bureaus dispute process which becomes a lengthy process to delete negative information from the reports..
Product: Checking or savings account

Early XX/XX/2018, PNC bank advertised on the its own website ( pnc.com ) that if a consumer opens a " PNC Performance Select Checking '', and performs the listed actions ( {$5000.00} direct deposit and ten plus debit transactions ), the consumer will receive {$300.00} account opening bonus ; I have uploaded all related promotion images with this complaint ; I opened the " PNC Performance Select checking account on PNC.com on XX/XX/2018, I made required $ XXXX direct deposit on XX/XX/2018, I did ten debit transactions by XX/XX/2018 ; But I do not see {$300.00} account opening bonus to this day ; I called PNC bank early XX/XX/2018, the representative told me that when I opened the account on PNC.com, the promotion code for the {$300.00} bonus was somehow not included in my account, that is why I did not receive the bonus, and she could not do anything to correct the issue ; This is apparently a technical issue/error on the PNC bank for not including promotion code in my account, I as a consumer should not bear the consequence of a technical error of PNC bank ;
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$1800.00}.