23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have had an account open with Alliant Credit Union since XXXX of XXXX ( over 12 years ). In XXXX of XXXX, they closed my checking account without any prior notice. 

After 3 calls with customer support ( 3 days in a row ), they refuse to tell me why the account was closed, citing that they thought that I had used the account for business purposes hence violating the terms of service, but only a person in the responsible department can answer the exact reason. This was strictly my personal checking account, never used for business purposes, but they refused to tell my the reason they thought I violated the terms. 

Every time that I called in, they stated that the department in charge of shutting down my account was " busy '' and would call me back. I never received a call back and all of my external accounts are not getting paid now ( mortgage payments, credit card payments, etc ). 

They claimed that a letter was sent to me months ago warning that the account would be closed, but it was never received. I check every letter from the banks, and definitely did not receive a letter about this from Alliant. Also no phone calls, emails, texts. No communication that my account would be closed so it was a big surprise to me, and now I am left frantically working to open a new account with a different bank to transfer funds to make my scheduled payments.
Product: Checking or savings account

My payroll was uploaded on XX/XX/scrub>/2025 and I was to receive my direct deposit posted in my account by XX/XX/scrub>/2025 at the latest. My bank account is Capital One and I have yet to receive my direct deposit. I need to pay for bills and buy things that I urgently need but Im unable to.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that i have been a victim of identity theft. I found numerous account on my credit report that were not open by me. This has been hurting me as i am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX 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

The company has reported that there was a missed payment for the month of XXXX. But the due date for payments on the account is XX/XX/XXXX. It is XX/XX/XXXX and there is even a payment scheduled for XX/XX/XXXX.
Product: Debt collection

I'm being sued by Bank of America. I used to get statements in my email. However after I moved to XXXX in XX/XX/XXXX I no longer had access to the XXXX email account. I tried for a year to get Bank of America to send me a statement.

I talked to a lawyer who said my only choices is to loose the case or try and work out a payment plan.

I've been trying to get help with this is due for a long time and no one seems to help. How can I be sued when a creditor broke the contract. I did fall on hard times and trying to get back on my feet. This is the last thing I need right now.

The court date is XX/XX/XXXX. The magistrate court lied to me about me getting the case transferred to XXXX where I moved too. 

I can not get to XXXX to fight the case. I just need help. Please.
Product: Checking or savings account

On XX/XX/XXXX I noticed there was an ACH transfer from my Navy Federal Credit Union account. I reached out to the customer support team at NFCU. They closed the account and completed a fraud report. They advise me to change my user name and password and run a virus scan on my computer and phone. At which point they gave me access back to my mobile and online banking. They gave me a {$5000.00} provisional refund until the case was researched. 
2 days after I went through this process, there were two other attempts for {$5000.00} each on the brand new account. Once again, we went through the process and opened another new account. I took my laptop to XXXX XXXX  to have them do a thorough check and make sure it was free from XXXX  or anything else. A few days later I called and had my mobile banking reactivated. 
Sunday XX/XX/XXXX, I was balancing my checking account and noticed on XX/XX/XXXX there was an adjustment in the amount of - {$5000.00}. I called them as soon as they opened and they stated my claim was denied. I was asked to send an email addressing my concerns. Which I did, and it takes 2-3 days for a response. I'm on hold as I type this complaint. Hold time is 30 minutes, I will hold for two hours to get this taken care of. 
I'm in the midst of purchasing a home and I don't have 2 or 3 days. I will not be held responsible for the actions of a common criminal, nor should I be.

If you can please help me or point me in the right direction, I would greatly appreciate it.

Kind regards
Product: Vehicle loan or lease

In XXXX of XXXX, I completed the final payment of my loan on a XXXX XXXX XXXX through Hyundai Motor Finance. 

Hyundai Motor Finance has confirmed this loan payoff status. 

I expected to receive the title in the mail within a month of paying off the car, as outlined by HMF. When I received no such mail, I called HMF. They indicated the title was still processing but should be sent out shortly. 

In XXXX of XXXX, I called again. They told me that the title should be on its way. 

In XXXX of XXXX, I called again. I was told the title was sent to a DMV rather than to me, and had since been returned to HMF. No explanation was offered as to why this was. They told me they would begin the process of creating a duplicate title to send out to me. 

I called several more times, with no progress updates offered until XX/XX/XXXX, when I was told the it might take another month for the duplicate title to be created. They could offer no explanation as to why this process would take this much time. 

I called again in XX/XX/XXXX, they told me the process was complete, and the title should be mailed out to me shortly. 

I called again in XX/XX/XXXX, they repeated the same thing. The process was complete and the title should be mailed out to be shortly. 

I called again in XX/XX/XXXX, and they repeated the same thing. I indicated that this was completely unacceptable and that I needed some assurance that this would actually be mailed out. They indicated that they were adding an escalation tag to the title release, and that I should expect to receive the title in the mail within 5 business days. 

We are now on XX/XX/XXXX. I just finished calling them again, and was once again told that the process was complete, and they would be mailing it out shortly. Once again no explanation could be given for the delay. Once again they said they would mark an escalation on the account. At this point, I do not believe them. 

We are approaching one year since I payed off the loan, representing 6 years of on-time payments. I have received numerous communications from HMF in the mail during the lifespan of the loan, so I am under no illusions that they have difficulty delivering mail to my address. 
Given the decreasing value of the asset, HMF 's refusal to deliver the title within anything resembling a reasonable timeline has cost me real money, leaving aside the mental tole of needing to call them so many times only to get the same repeating non-answers.
Product: Student loan

They filed a response to my complaint in Case number : XXXX stating " We have also updated our records to reflect that you do not wish to receive automated calls to the cell phone number you identified. '' However, I recently filed yet another complaint that they were calling my cell phone 8 times a day. They claim it is their right. I explained if a person answers you CAN NOT keep calling them. The most recent Case number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint and there is no third party involved. These accounts are inaccurately and erroneous reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern, and I requested a complete payment history of these accounts for me to review the exact date on which the collection was posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in the violation of FCRA. REMOVE THEM FROM MY REPORT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/XXXX Personify debt collectors called husband and shared information. He was never on the loan taken out, so this is a violation. XX/XX/XXXX they called me today and the man was harassing me asking me to open my email so he could trace my XXXX address. 

He called from XXXX asking for a return call to XXXX
Product: Debt collection

Dear CFPB, I couldn't find a box to check that matches the issue that I am having, but I am relatively certain that its in CFPB 's jurisdiction and I need help. 

On XX/XX/2021, I purchased the Full Self Driving upgrade for my Tesla at a cost of {$10000.00}. It essentially allows the car to perform lots of functionality like driving itself thru navigation, etc ... Due to some type of technical glitch, although Tesla did take my money, they didn't provide me with the product. Its supposed to be installed within 1-2 days, and I confirmed I have a strong Wifi connection. 

On XX/XX/XXXX, I called Tesla to report the issue and they confirmed they would have it resolved, acknoledging its an internal issue for their " advanced team '' On XX/XX/XXXX, I called a 2nd time to inquire about status, to which they told me it would also be solved. I told them I'd either like the product, or a refund, but I can't have Tesla take {$10000.00} of my money. Tesla has a 48 hour return policy on this product, and they advised they can not refund me since its more than 48 hours, but I never had the product in the first place. 

On XX/XX/XXXX, I called a 3rd time to follow up, and was advised to take the Tesla into the service center to get this remedied. 

On XX/XX/XXXX, I took 3 hours out of my work day to wait 90 minutes at the Tesla Service center for my appointment. They COULD NOT fix the issue, telling me its a software problem for the " Advanced Team '' On XX/XX/XXXX, I called a 4th time to follow up, and was advised that I would just " have to wait '' and, I told them I'd be filing a complaint and they forwarded me to a supervisor who would be emailing me On XX/XX/XXXX, a supervisor named XXXX emailed me to let me know they could not process the refund, and that although there is a fix for the issues I'm having, provided no assistance in when or if Tesla would fix it. 

Over the period of XX/XX/XXXX-XX/XX/XXXX me and XXXX exchanged emails in which I told him I don't believe this matches up with Tesla 's company culture, its promise to its consumers, or the agreement for Self Driving. There is no reality in which a customer pays {$10000.00} for a product from a reputable company, and the company choses NOT to deliver the product, and the consumer is not entitled to a refund, and is given the run around. The icing on the cake here is that XXXX told me " I would also recommend scheduling a service appointment so they can assist with this as well ''. 

I need CFPBs help in either compelling Tesla to refund me, OR to deliver the product they originally promised me.
Product: Debt collection

I have debts that dates are so wrong and from different state I don't live in. I'm getting affected by accounts that were closed. That aren't mine. I've tried disputing them and I'm getting nowhere with it. Credit karma is helping but XXXX is making this difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

the credit bureaus have been directly ignoring my letters and mail and even phone calls for months. I talked to each credit bureau with promises of fixing my issues and still they hane n't done their job.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as XXXX and my Proof of Address.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I had a modification for my home and because I made a partial. Payment in XXXX after paying four months, Ditech cancelled the modification and advised me to try for full document modification which took 7 months to get all The paperwork in. I got a letter denying the modification and I am very behind and I am expected to pay an extremely large payment.
Product: Debt collection

I received a notice from CMRE Financial Services regarding a medical account on XXXX XXXX XXXX. The notice claims that XXXX XXXX attempted to collect an unpaid balance and has since forwarded the account for collections. This is absolutely false. I made payments arrangements with Phx Childrens and have made monthly payments as I agreed to. The collection agency now is demanding payment in full with interest plus additional charges. This is absolutely unacceptable. I have done what I agreed to with Phx Childrens and this account should NEVER have been to collections. PLUS, the amount stated owed is not accurate. I do not owe that amount. That claim is also false!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was approved for a forbearance. My loan servicer approved the request but still reported me as having late payments despite my forbearance approval. I was told that I would not have late reporting during my forbearance. 

The forbearance had a start date of XX/XX/XXXX and an end date of XX/XX/XXXX with a payment due date ofXX/XX/XXXX. 

I have since consolidated this loan and changed loan companies and this company has been paid in full, yet they still are reporting this incorrect information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : LexisNexis Risk Solutions XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public XXXX XXXX XXXX Number Dear LexisNexis Risk Solutions Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX ; XXXX. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX XXXX Balance : {$20.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX 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 ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a reinvestigation to the credit bureaus they had 15days to respond and I haven't heard anything. I would like it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the extended fraud alert or any fraud alerts as I did not request anything like this on my report. I just needed stuff removed due to stuff in the past but all is well now. Please remove it.
Product: Debt collection

I owed a debt to XXXX XXXX XXXX  over 7 years ago. The credit bureaus have already removed this from my reports. Midland Credit Management position is it is now a new debt and the clock starts from the time they purchased the debt. This is what they told me when I called them and asked for it to be removed from their out of the country call center. They opened the new report on my credit on XX/XX/year>. The original balance was {$430.00}. The original debt has already been past 7 years, but they are trying to claim it is now new a new debt.