23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On or about XXXX XXXX of XXXX, There were several unauthorized charges made to my account. ( See attachments below ). Upon realizing that I did not have my card in my possession, and after I logged in to view my account, I noticed there were charges totaling $ XXXX which is OVER my credit limit! 
The item is in dispute because these unauthorized charges on or about XXXX of XXXX were unauthorized. I reported this claim to Avant as soon as I was made aware of these charges on or about XXXX of XXXX, when I logged into my account and finally noticed these charges. 
XXXX 's investigation alleges the claim was denied because I " made payments for the months of XXXX and XXXX of XXXX '' and that I " took long to report the claim. '' However, the payments that were made in XXXX of XXXX  were from AUTOPAY. I did not CONCIOUSLY make these payments. I reported this claim as SOON as I found out my card was lost/stolen, which was the same day I reported the claim .I did not " wait '' to report it. 
XXXX now claims that I need to file a police report and a frivolous " Identity Theft Affidavit '' In order to have these charges removed. However, the local police department advised me it is too late to file a police report since the date of this first incident was over 1 year ago. Furthermore, XXXX XXXX XXXX words and now wants to fill out, under duress, the " Identity Theft Affidavit, '' through the pretense that I " never applied for a credit card through XXXX and. '' However, in direct contradiction to this, I never stated that " I did not apply for this XXXX credit card account. '' I specifically stated that this credit card was LOST and NOT in my possession between the months of XX/XX/year> XX/XX/year>. 
Therefore, I am not liable for the charges from XXXX XXXX XXXX and hence disputing these charges. 

Lastly, The unauthorized & fraudulent auto-debit payments and fees from XXXX to this account has ultimately led to the checking account being closed. 
Many others in my similar situation have also been victims of fraud by XXXX, which resulted in XXXX having to return more than XXXX XXXX consumers that were harmed by XXXX in recent years. ( See attached ). 

XXXX has financially abused my account and has not been fair. I properly reported this claim as soon as it came to my knowledge that my card was lost/stolen.
Product: Credit card or prepaid card

On XX/XX/14 at XXXX, {$250.00} was debited from my Netspend prepaid card from XXXX XXXX XXXX XXXX . The authorized payment was approved with auth code XXXX. 

At XXXX, per my Netspend account details I was changed an {$250.00} from XXXX XXXX XXXX XXXX XXXX The payment was debited with auth code XXXX. 

That same day, I contacted both Netspend and XXXX XXXX in hopes of resolving the duplicate payment error. However, I was advised by XXXX XXXX they are only reporting one payment received from me. Even after providing the authorization codes and dates, I still havent received my {$250.00} back. 

I filed a debit card dispute with Netspend and I feel they did not do a thorough investigation per Regulation E. I also feel that both Netspend and XXXX XXXX are violating UDAAP regulations as it pertains to the lack of services received.
Product: Credit reporting or other personal consumer reports

am filing a compiaint against Equifax for failing to properiy 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.
Product: Checking or savings account

In XX/XX/2024, I was the victim of a massive account takeover to all of my checking and savings accounts with USAA. The thieves called the bank, pretended to be me, ordered a new debit card and changed the address. The debit card was mailed to an address in XXXX. I live in XXXX Meanwhile, they made online charges and emptied my accounts. They even said my mortgage payment was fraudulent, revoked that, and then spent that. This happened in a matter of 24 hours. I was in touch with the bank at the time, and they froze my account. 

I was in touch with the bank during that time and they were able to investigate the fraud claims and reversed nearly all of them except for two : Two {$300.00} ATM withdrawals that occurred in Florida in that same 24-48 hour period of theft. After receiving the initial denial of these remaining fraud claims, they told me to write them a letter disputing the claim. I did. They denied the claims again and revoked the provisional credit they had given me of {$600.00} during the height of the fraud resolution. 

After that, I had several interactions with USAA 's frontline customer service reps, as well as their escalated " Member Resolution Services '' teams. Every time I spoke with " Member Resolution Services, '' they said saw the problem and would consult with the fraud team about it. I never heard back from anyone on it until I called an insisted that a member of the fraud team call me. 

When I spoke with a member of the fraud team, they said the issue had been take to their " Account Takeover '' Division, which is different from the " Fraud '' Division. I never heard back from them. 

I called USAA again during the summer to demand a resolution to my third or fourth dispute of the fraud claim. They gave me another provisional fraud credit of {$600.00} while they investigated again. They again denied the fraud claim and revoked the provisional credit. I have had {$600.00} stolen from my USAA account as a result of this fraud. 

I requested all of the documentation used by the fraud/account takeover divisions to make this decision and will include it as an attachment. I told them I would be reporting them to the Consumer Financial Protection Bureau. After this case is settled, I will leave USAA.
Product: Student loan

Where do I begin with my complaint? I started attending XXXX XXXX XXXX in XXXX XXXX, I began attending the school when I was XXXX XXXX XXXX. I was able to do this prior to turning XXXX XXXX XXXX per the advice of XXXX XXXX who was helping me with the loan process on XXXX/XXXX/XXXX. I planned to return to complete loan documents after my birthday but the finance rep XXXX insisted I complete the loan process that day. I was advised that I could change my date of birth to XXXX to make myself older and apply for the loans on my own since my parents were unwilling to assume a loan under their names/credit. I was under the age of XXXX when I signed for all school documents. I was taken advantage of and manipulated. I have been dealing with these insurmountable loans since then. I did not find work in the field I attended school for ; due to the fact that I could not survive and pay these loans back with the minimum wage jobs available to me in the culinary field. I recently went to the school to pick up loan document ( I had to hurry because the campus is now closed ) copies but was only provided with enrollment paperwork ( which does n't include loan application details ). I have tried to take responsibility for this debt but have come to the conclusion that I need to speak out. I have given this information to different reps which answer phones at the loan companies. I have contacted lawyers but could not afford to hire onXXXX. I know the school has been sued in the past for their shady business practices. They have lost lawsuits paid out thousands upon thousands in damages to the victims. I am unfortunately one of the ones that is still suffering with the burden of debt. The answers I have received from account reps are well you lied so too bad you still owe this money. I was not of age of consent and was taken advantage of by people that were desperate to sell a loan. The amount of stress and worry which has effected not only my credit but life ; I do not wish on anyone. It is so unfair and wrong.
Product: Vehicle loan or lease

Back In XXXX I requested Credit Acceptance Corp to repo my XXXX XXXX XXXX, because it would not pass XXXX XXXX even after putting over {$2000.00} into it. When I registered it I had transferred the plates from another vehicle and the registration was due to be renewed. With out the vehicle passing NY state inspection they will not allow you to renew a registration. There for the vehicle could not be used.A week after my Husband purchased the vehicle the check engine light came on We took it to the dealer who apparently only reset it cuz the light came right back on. Over and over we requested that they come and get it. They never did they never even attempted to. In the XXXX of XXXX Ny you are not aloud to have an unregistered vehicle in your driveway or yard so we put the XXXX in the garage so we would not be fined. Credit acceptance claims they tried to repo the vehicle for over a year but never once came to our home which we have lived in for 30 years. They never once knocked on our door. They never once went to my place of employment. They are crooks and liars. 
Back in XXXX of XXXX they took it to the Supreme Court XXXX XXXX and got my wages garnished 4 years after they were told to come and get it. This vehicle was still sitting in my garage unregistered since XXXX. And they garnished my wages for almost {$14.00}. 
Had they of repoed the vehicle the bill would not of been that high. In XXXX of XXXX I received the discharge of lien they claim they sent me because of already having the judgement against me. But the Lawyer for Credit acceptance told me straight out they sent me the discharge of Lien because they did not want to repo the vehicle. 
Some one is lieing and trying to cover there XXXX. 
I guess what they didnt seem to take into consideration is me quitting my job and them not being able to garnish my wages. They cant get a new garnishment because they no longer have the Lien to hold against me.

Theres also the fact that I was the co signer on the vehicle and never once did they try to collect the money from the buyer. 
I need this garnishment stopped I am the soul provider for my household and its affecting my whole life. Currently I am being evicted from my home of 30 years because I cant keep up with bills ext because of this garnishment I guess my next step will be quitting my job and collecting social services or going bankrupt because of this company. 
I need them to stop sending false information to my XXXX just 2 days ago I had a decrease on my credit score cuz they claimed I didnt pay {$160.00} dollars to credit acceptance when they have my wages garnished. And an increase on the amount they claim I owe. They cant do that when the amount I owe is on my garnishment.
Product: Mortgage

Started forbearance process with Chase Home mortgage assistance due to COVID XX/XX/2020. Sent documents in 5 times over 2 different medias, as requested by Chase. Today representative informs me again. Documents are not received. Further documents can not be sent via online portal offered by Chase. Rep states Chase is aware of portal not working? Although systems appears to accept loaded documents, this is fraudulent information. So now with no car I have been asked to go 2 miles away and visit Chase office to get docs faxed in. Even though last time they were faxed from Chase XXXX XXXX office 4 weeks ago, Chase home mortgage didn't receive fax from their own bank branch?!
Product: Vehicle loan or lease

Here is a timeline events : XX/XX/2023 - Traded in lease for XXXX  account XXXX to XXXX XXXX XXXX XXXX XXXX, Ohio XX/XX/2023 - Received call from Ally Financial that I was late on paymentI explained that I had sold the car the previous day. 

XX/XX/2023 - Received another call from Ally Financial stating payment was lateI explained that I had sold the car again. 

XX/XX/2023 Through XX/XX/2023 - Received multiple calls from Ally Financial stating payment was XXXX explained that I had sold the car again. 

XX/XX/2023 - called XXXX XXXX XXXX of XXXX, Ohio and they provided the following information about the payment : Check XXXX in the amount of {$44000.00} was sent to Ally Financial via XXXX, tracking number XXXX, received by Ally Financial on XX/XX/2023 at XXXXXXXX XXXX  XX/XX/2023 - I called Ally Financial back and was directed to their collections department where I provided them the information that XXXX XXXX XXXX XXXX XXXX provided me. 

They noted this and I stopped receiving calls from Ally Financial. 

XX/XX/2023 - I checked Ally Financial website for my account XXXX. The balance reported was {$0.00}, listed as paid off and no longer past due. 

The payment was listed as a credit and a debit in the same amount of {$44000.00}. 

XX/XX/2023 - I received an alert on XXXX that I had a credit score drop. I checked and my XXXX score had dropped by XXXX points and I had a 30 Day Late reported by Ally Financial on lease XXXX. 

XX/XX/2023 - I logged back into my Ally Financial account and saw that it was Past Due again with a balance of {$19000.00} and 26 payments remaining. 

I called Ally Financial immediately and was told that systems were down a that they could not do anything. 

XX/XX/2023 - I received two more XXXX alerts that my scores had dropped. My XXXX dropped by 60 points and my XXXX dropped by XXXX points. 

XX/XX/2023 - I called Ally Financial again and spent 3 hours on the phone being transferred to different departments before finally being told that the check had been canceled by the dealer and that I needed to call them. 

XX/XX/2023 - I called XXXX XXXX XXXX of XXXX, Ohio and they began researching the issue further. 

XX/XX/2023- XXXX XXXX XXXX of XXXX, Ohio called me back and stated that the check had cleared and never returned to them or canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXG XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX**** XXXX XXXX XXXXXXXX The above accounts have violated my rights according to 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Checking or savings account

i have like XXXX Navy Federal accounts on my XXXX XXXX XXXX which is Fraudulent with incorrect information that's not even my information wrong ss number and wrong driver license number and wrong address i never lived at. But the crazy part the ss number does not mine which i will attached and copy of my driver license and ss card for proof. Please remove from my profile and any of profile that this incorrect information reporting to. 
Here is the accounts thats not mines and wring incorrect. Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX As you can see that social number wrong and it should've never been added to my profile
Product: Debt collection

I have resolve d a de  bt in  full   XXXX   XXXX   it was filed in the court of my county   XXXX   XXXX   XXXX   however they will not remove this from my  credit report. Over the last 30 days I explained to them that I care for   XXXX   XXXX   XXXX   and I was trying to purc hase a home for them and this is affecting me from getting a loan from the bank. I foun  d out this was still on there after my landlord allowed the home we was in go into foreclosure and I tried to purchase that house. I was denied a loan so me and the kids literally we go sat out on the street and lost everything.
Cavalry SPV I LLC have the information in their system and they also sent me a copy of the " Satisfaction of Judgment '' paper and told me to take that to the bank and that the bank would see that I paid it. I have call this company over and over and they will not take it off. Now yesterday I call again and the representative told me to forward   him a copy of the same form that they sent me. I did as he asked but informed him that it 's their responsibility to update the credit report. This is so unfair because I had a debt and I paid it in full and they are not doing their part. I am asking the CFPB to help me in this matter. I will upload a copy of the satisfaction of judgment. Thank you in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute and bring to your attention the inaccurate and unauthorized information present on my credit report. Upon reviewing my credit history, I have discovered five delinquent trades, numerous installment delinquencies, and revolving delinquencies that I believe are erroneous and the result of unauthorized activities. I did not provide consent to these companies to run my credit or open any accounts in my name. Furthermore, the charges attributed to these companies are entirely unknown to me, and I have taken immediate action to address this matter. 

The companies in question are as follows : XXXX XXXX XXXXXXXX ( unknown charges for products I did not order or receive ) XXXX  ( unknown charges for products I did not order or receive ) Expansion XXXX XXXX XXXX I have made diligent efforts to contact each of these companies to rectify this situation and obtain more information about the unauthorized charges. I have kept records of all correspondence, including dates, times, and the names of representatives I spoke with. Unfortunately, my attempts to resolve this matter directly with these companies have not yielded satisfactory results, leaving me with no alternative but to seek your assistance. 

I respectfully request that the Federal Trade Commission conducts a thorough investigation into these unauthorized charges and false reporting of delinquencies on my credit report. I understand the importance of accurate credit reporting and its impact on my financial well-being. These erroneous entries have adversely affected my creditworthiness and financial stability, potentially preventing me from accessing fair credit terms and opportunities. 

Enclosed with this letter are copies of all relevant documents, including correspondence with the aforementioned companies, in support of my claim. I kindly ask for your prompt attention to this matter, as I am eager to resolve these discrepancies and restore the accuracy of my credit report. 

Thank you for your time and consideration. I look forward to a timely resolution of this issue and appreciate your efforts in rectifying this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Money transfer, virtual currency, or money service

On XXXX received a text from bank about possible fraudulent charges on my debit card. 
I called my bank and discussed charges in question.One of the charges for {$9.00} to XXXX suspicious. The woman at the bank suggested I call XXXX customer service to see what the charge was for. I XXXX XXXX customer service and I found an XXXX website with a phone number. The phone number I called is XXXX. A man named XXXX XXXX answered the phone and said Thank you for calling XXXX, how can I help you? 
I explained I may have fraudulent charges on my debit card and one of them was to XXXX and I asked if he could help me see what the {$9.00} charge was for. I also mentioned my debit card was linked to PayPal and Venmo. XXXX told me he was a specialist for these apps and he was going to help me secure these accounts. XXXX told me to download a sharing app so he could get in to my PayPal and Venmo accounts and look for fraudulent charges. I downloaded the app and XXXX XXXX took control of my phone. I didnt question this because my companys IT department does this routinely and because I had called the XXXX customer service number to ask for assistance. XXXX told me I had multiple fraudulent charges showing on my PayPal account and some of these charges were in XXXX XXXX and in XXXX. He told me he was going to clear these charges from my account. XXXX XXXX told me he needed to get his managers approval to secure my account. He told me his managers name was XXXX XXXX XXXX and that he had to send some test dummy transactions to his manager to secure my account and make sure my account still works. XXXX XXXX did XXXX test dummy transactions- XXXX for {$1900.00} and XXXX for {$2900.00} both to XXXX XXXX XXXX XXXX He told me this wasnt actual money leaving my account only a test-no money would leave my bank account. He told me my account was secure and we hung up. I was still nervous about my debit card being compromised so I called my bank that night and cancelled my debit card. I removed my debit card and checking account from my PayPal account. 
When I realized money actually had left my checking account I submitted a case with PayPal and it was denied. I went to my bank on XX/XX/24 and explained what happened to the assistant bank manager. She was able to transfer my money back from the PayPal transactions because they were XXXX authorized charges. The bank manager told me to cal PayPal and explain what happened. I called PayPal and appealed my claim and it was denied for a second time. The case ID is XXXX XXXX 
Then I received an email from PayPal saying they have noticed I had been using my account in a questionable manner and to keep my account secure my access is limited. My pay pal account is showing $ XXXX At this point I had contacted life lock to get their assistance with this matter.