23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

In XX/XX/year> i was called by Nordstrom credit card company, stating that my account was delinquent. I spoke to two representatives in the credit department on XX/XX/year>, from XXXX. I told them i had not received any billing statements for these " past due '' amounts. I was told that the billing statements had been sent to my home address and emails. None of which was true, but I agreed to pay the balance, less a {$40.00} late fee, per the representative. He told me to pay {$440.00}, then they would adjust the {$40.00} late fee off of my account, but I had to pay the bill in full first. I paid thru my XXXX XXXX XXXX bill pay on XX/XX/XXXX, XXXX. I never got any statements, nor was I able to log into my Nordstrom account on-line. On XX/XX/year> I was denied on a XXXX credit card application because Nordstrom has reported me past due on payments. I have no letters, emails or statements from Nordstrom until today, XX/XX/year>. I received a past due statement in my email! What kind of scam is this? I get no bills until ther report me delinquent and trash my credit history and score? This does not seem right. 
I moved to XXXX in XX/XX/year>, and I explained that to the representative in XXXX. 
I have a XXXX XXXX and use XXXX XXXX to communicate to the US. 
No mail has been sent to my US address and no emails, so how can they just report me delinquent when there is no record of charges, and or adjudication after my XX/XX/XXXX payment? 
The last time I spoke with them, they told me that they don't keep recorded conversations or communications, but I am supposed to know when my account is delinquent? How can they tell me there is no record of mailed billing statements? How can that be? This all seems like it is set up to " catch '' creditors. I would like an explanation of my charges, since nothing has been sent to me personally. They were paid in XXXX, what happened between then and now? I have not used the card or charged anything, since it is not in my possession. This is so unfair credit practices if ever there was!
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 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, 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 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: Student loan

I'm XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX, Ohio XXXX. The company that collects the direct loan for XXXX XXXX is UAS XXXX. My Account # is XXXX. UAS debits my bank account 3 full days before the due date. I've written to them several times about this and their response was to change the due date, which obviously doesn't solve the problem. I recently changed the due date of my last payment to XX/XX/2023. I changed the due date 3 days in advance of the scheduled payment, which was XX/XX/2023. I subsequently received 3 voicemails and several emails inquiring about my " missed payment '', when in fact all I did was move the due date-as I was instructed to do by UAS when I wrote to them previously. They debited the account 3 days before my scheduled due date. This month, XXXX, UAS moved the due date back to the XXXX. I didn't realize this until the XXXX of XXXX-1 full day ahead of the due date. I tried to change the due date but UAS had already debited my account. Now I am hundreds of dollars negative in my bank until my next pay date. The aggressive payment schedule, which is $ XXXX dollars a month is non negotiable-meaning I can't lower the payment. Paying back this loan, which was for education, demands 10 % of my total salary. These practices of early debiting are unacceptable, and according to XXXX  3 day cycle are illegal.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Capital One offers a free credit FICO score service.  Capital one refers to this product as XXXX.  I have not been able to get my FICO score with this product.  I have reported the issue to Capital One and their staff cannot resolve the issue.  Capital One has had over two weeks to fix the issue and it is still not working.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I reported this to your bureau already and they initially said the time wasn't completed to allow them to complete investigation and the date kept changing citing new inquiry just like I expect the date to change again and it's been over a year. I allege they are not investigating this dispute they are manipulating the dates. I want them to stop as I was kept from opening a new dispute for another company because this dispute from XX/XX/XXXX. If this adversely affects my credit report they have impacted my report and if this would have affected my positively they have adversely affected my report, I believe they are in violation ( In addition, specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to $ XXXX.XX/XX/XXXX )
Product: Credit card

thank you for admitting that XXXX  of my XXXX  attempts to pay off my total balance of {$100.00}. 

If my balance on XX/XX/XXXX was {$100.00}. 

then on XX/XX/XXXX. My balance was still {$100.00}. 

On XXXX XXXX balance was still {$100.00}. 

At XXXX XXXX XXXX XXXXXXXX in your response you confirmed that this transaction of {$100.00}. was succesfully paid. 

my balance of {$100.00} is subtracted by my payment of {$100.00}. At XXXX XXXX. on XXXX XXXX.currently makes my total balance at XXXX XXXX XXXX XXXX XX/XX/XXXX equal what amount? 

would you like to grab your calculator? 

accounting is apart of your banks fiduciary duties! 

at XX/XX/XXXX at XXXX XXXX. my balance would be {$0.00}. 

ARE YOYU WITH ME SO FAR? .DOES THIS MAKE SENSE?

AT THIS POINT AND TIME YOU SHOULD BE ABLE TO CALCULATE A XXXX BALANCE. 

on XX/XX/XXXX. I make a transaction to XXXX XXXX in the amount of {$170.00} which i will attach with this. this doesn't process with XXXX XXXX  till following day. but balance show up on my statement I imagine same day XXXX XXXX. 

On XXXX XXXX what is my balance? anything over {$170.00} is what you owe me! 

can you show me where I spent any more money ( or have made any other transaction other than that {$170.00} with XXXX XXXX. )? 

No so how did I manage to get an over draft fee? 

how did i get a balance that is more than {$170.00}? 

especially since you confirmed that i had a balance of {$0.00}. As of XXXX XXXX. on XX/XX/XXXX. 


thank you for your time. 
XXXX XXXX p.s. XXXX really needs to stop letting Customer Service act as bankers and accountants. It is trully sad how XXXX you XXXX XXXXXXXX are over there at capital one and between NEGLIGENCE FAILURE IN ACCOUNTING SHOULD HAVE YOUR BANK FINED AND PUNISHED. FOR YOUY ARE UN EQUIPED TO MEET YOUR FIDUCIARY DUTIES
Product: Student loan

In XX/XX/XXXX, I received 4 XXXX Cancellation of Debt form from Chase regarding my private student loans. The forms were 4 loans that totalled {$21000.00} ( 3 x {$5000.00}, and 1 {$6000.00} ). I originally called them onXX/XX/XXXX to get help regarding the issue because the loans that they cancelled are active. They have been serviced up to this day by XXXX and I have been making regular payments on them. The original call resulted in being told to send in a fax with documentation to dispute the action by Chase. I since then faxed the information 3 time ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ) Each fax has requested that I be called to confirm receipt, and to get an update. I have also called numerous occasions to their XXXX number. I've asked to speak to a manager about the situation at least 5 times. They have a record of my calls because they refer to it each time I have called. The one time a manager called me ( XXXX ), she said that they did not get any faxes and that I had to be mistaken that my loans were not active. Each time I have recently called, I get transferred to a manager 's voicemail, leave a message requesting a call, and not getting any response back whatsoever. I am now liable for {$21000.00} in income that I have to include in my taxes because Chase doesn't keep accurate records of their loans and tries to get people to pay on loans they don't even own. I feel like I am getting the severe runaround now. My servicer XXXX has been nothing but wonderful, they gave me information about my loans that I used to file my dispute. They also verified that the loans that they have did in fact belong to Chase at one point, but they no longer own the loans. They said they were confused as to why Chase would do such a thing. I now need sever help to get my records straight. Nobody at Chase really helps especially since it's their fault and mistake.
Product: Payday loan, title loan, or personal loan

I took out a loan to help buy XXXX for my children from Tower Loan in XX/XX/XXXX. I made a few payments then fell behind due to loss of income and being on XXXX. Being embarrassed I avoided them for a couple of months until my brother in law was getting nearly daily calls and a Tower Loan employee named XXXX XXXX began showing up at my mother in law 's home demanding payment. XXXX told my mother in law that if they did not receive a payment for {$260.00} that day that I would be sued and left an opened envelope with detailed personal and finance information inside with her. Afraid of being sued I went online and set up a payment for the following payday. I made a {$200.00} payment on XX/XX/XXXX. And today XX/XX/XXXX XXXX from Tower Loan again shows up at my mother in law 's home leaving another opened envelope with personal and financial information with a note written on the outside stating " Urgent!! Last visit!! Going up for suit. '' on someone else 's vehicle in her yard. My wife called Tower Loan and spoke to XXXX asking for them to no longer go to her mother 's home and was told that they would continue to go per a disclosure I signed. My wife explained the XXXX and loss of income and told them we made a payment less than 2 weeks ago and as soon as we can make another payment we would to please no longer go to the home and XXXX hung up on her. They are rude, harassing, and violating me by giving my private information to other people without my permission.
Product: Mortgage

Began my process of buying a home with a team leader, whom stated he was too busy to meet in person regarding my home buying process. After finding my home, the process required me submitting personal pap erwork three plus times to get it correct. It involved me signing documents that I was then told were incorrect, and had resubmitted that same day requiring me to leave work on two separate occasions. Could not get ahold of mortgage team leader by telephone and was only able to communicate by email with several days delay. Unprofessional communication by text message during process of securing home loan as well as emails using the phrase " stand buy ''. Rushing to submit documentation with less than one week till closing on a  home. When submitting complaint on  XXXX   XXXX  to corporate company then falsely closed the complaint without reaching out to me before doing so. When I called on Tuesday the  XXXX  of  XXXX , I was told the complaint would be reopened and the individuals supervisor would get back to me by close of business. After waiting for a call and not r ecieving one, I then called to follow up to the complaint and speak with a supervisor that told me if my complaint did not seem urgent for corporate to follow up too they would not. It is apparent my time, or money is important to Huntington Bank.
Product: Mortgage

I went through a short sale process and was denied relocation assistance due to home appraisal saying that it was tenanat occupied and also a check mark saying I refused assistance. The question on the request for mortgage assistance was very vague. I was told that I could get assistance by phone but once the closing happened they refused. They continue to deny me the assistance even though I never saw any of paper work until after closing.
Product: Debt collection

The account is suppose to have been disputed and has not been within a timely manner!   I have no knowledge of this account.
Product: Debt collection

HAS REPEATEDLY CALLED MY WORK NUMBER AND DISCLOSING INFORMATION TO CO-WORKER
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote these company back in XXXX about a ton of things that are wrong on my report. My information was both compromised and stolen and I have been dealing with a nightmare. It has now been more than XXXX days and I have not heard back about the things I'm disputing and I want those things removed NOW
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 

FOR EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being . I believe it is crucial to rectify these errors promptly.

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report.

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Checking or savings account

My account is blocked at Citibank and they said I had to wait XXXX days to receive a letter. I tried getting into my account because I just received my husbands paycheck to pay our bills. How can I wait XXXX days to use my government paid check
Product: Credit card

I have a Citi XXXX XXXX Card account ending in XXXX. I transferred a balance to this card for the 0 % promotion and it still remains. In one billing cycle, I made payments in the amount of {$1000.00}, {$300.00}, and {$670.00}. I made one charge of {$670.00}. Citi then charged my {$7.00} interest. According to the CARD Act, these payments would have covered the entire balance of the {$670.00} charge ( the only charge subject to any interest ) and I should not have been charged interest. I contacted Citi and they said they are unable to credit the {$7.00} back to my account.
Product: Vehicle loan or lease

GM Financial illegally repossessed the vehicle without notice or warning of default, during the worldwide Covid-19 pandemic, and the company used to do so breached my peace in the commission by entering in a gated area to repossess the vehicle which is illegal in the state of Georgia. Neither GM nor the repossession company ever contacted me to resolve this issue or make me aware that there is an unresolved balance after the bankruptcy. Again, after multiple attempts to contact GM Financial, they refuse to contact me regarding this or reinstating the loan after filing for bankruptcy. 

GM failed to not honor my request to reinstate the loan after multiple attempts. 

GM Financial subsequently sold the vehicle at a private auction after I submitted both a CFPB complaint ( XXXX ) and a certified letter ( attached ) advising them of the disputed repossession and my wishes to exercise my right to a public auction. Both were ultimately ignored and GM sent a deficiency notice. 

Finally, all my possessions were not returned from the vehicle. In order to obtain my belongings ( nearly a month later ) XXXX  and the company that repossessed the vehicle mad me sign a waiver prior to handing over and examining my possessions. The day the vehicle was repossessed, I withdrew {$4000.00} out of my checking account ( copy attached ) which was still in the vehicle at the time of repression that was not returned. Additionally, other items including my {$500.00} radar detector, a broken iPad along with other business property, checkbook, and wheels were not returned from the vehicle causing a further financial loss after GM Financial decided not to work with me. As shown in the pictures ( attached ) from the dealer who now has possession of the vehicle, personal items including the bracket where my radar detector once sat and my {$3000.00} wheels are still in the vehicle. 

I am requesting GM Financial settle this matter and return my possessions, otherwise, legal action will ensue for the value of the items not returned, the deficiency balance of more the {$25000.00} due to not honoring buy wishes for a public sale, and ultimately, the illegal repossession that occurred.
Product: Checking or savings account

On the evening of XX/XX/year> I sent a personal check ( {$31000.00} ) via XXXX to my XXXX. On the morning of XX/XX/year> I noticed in my USAA checking account the check had been cashed by an unknown person ( on XX/XX/year> ). I called USAA immediately and reported the fraud. I also have went to the local police to file a police report which they determined the check had been lifted from the mail and " washed ''. I have contacted USAA three times today to expedite the fraud case, but they still do not have the case assigned. I understand that time is of the essence and I requested my case get escalated given the large amount. I don't feel that they are doing everything possible to reach out to the other bank and freeze/recall the funds. This money is my life savings and I need immediate intervention.
Product: Debt collection

I have XXXX medical debts that were not paid by my ex spouse without my knowledge prior to the divorce. Now I am earnestly trying to correct this and want to pay the debts in full in exchange for the collection being deleted from my credit report. XXXX XXXX & XXXX are very resistant to removing the collection from the credit report and communication is impossible. I have called them, written letters and had the original doctor 's office contact them on my behalf. They will not accept full payment in exchange for credit report removal of the collection. What can I do to not be a victim of the Collection Company just as I was a victim of my ex spouse. I just want to improve my credit rating.!