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

Volvo Financial Services serviced my loan for my XXXX. My payment due date was the XXXX of every month. I paid the remainder of my loan off in XXXX XXXX XXXX 
After I paid my account in full, I pulled my credit report and saw they had marked me 30 DAYS PAST DUE on 4 occasions over 4 years. I went back through all of my payments made via bank statement. Only one of these payments was 30 days late and that was in XXXX. The other 3 payments were paid late but not 30 days or more. The most recent late payment on my report was for XX/XX/XXXX. Which I paid in full along with XXXX payment ( paid on XX/XX/XXXX ) That is a total of 18 days. That was my latest payment made. I called to address this with the customer service Dept. And a rep told me that because my payment for XXXX, which I paid early, on XX/XX/XXXX, that it was considered 30 days past due as of the XXXX. I explained that made no sense! My due date was the XXXX. How could it be 30 days past due as of that date? She argued with me and was not pleasant to deal with. I counted from the date it was due ( XXXX ) and the date it was paid ( XX/XX/XXXX ) and asked her to explain if that number is 18, how they consider it more than 30 days late? She did not have an answer to my question. Ive exhausted all options, and am trying to get my credit report to reflect accurately. I live in XXXX XXXX, have lost much from Hurricane Ian, and am in need of good credit to be able to rebuild my business. This is severely impacting me in a negative way. I am requesting XXXX, apply an actual day count to their reporting. 18 does not equal 30. And its false information at this point. I hope to have this resolved without getting an attorney or the state attorney involved.
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 submission, Equifax consistently responds with in 24 hours stating the account is accurate Equifax has failed to provide 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 the dispute. Furthermore, Equafax '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 necessary proof of investigation. 

I want Reported accounts to be removed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

In XXXX was in juvenile, jail, and prison at the same time I was a minor. I won {$100000.00} from a dog bite- the attorney took {$40000.00}, I kept {$60000.00}. I was released from prison XXXX XXXX, XXXX, I was XXXX, I asked my mother where is my lawsuit money and she told me it was stolen. I asked what bank is the money in and she told me in XXXX but they closed and Chase Bank bought XXXX. My mother took me to the Chase Bank 's actual branch where she deposited the check when it was XXXX. The teller issued me XXXX check copies that shows XXXX check with my name and the other check with her name. The check with my name raised an eyebrow because the date says I was a minor and in prison on the date. From what I know about this situation, when a minor receives a large amount of money, the funds must sit in an account with the parent monitoring it and it is unlawful for anyone to withdraw the cash without a judge or courts permission. To say the least no one except me or my mother should be able to withdraw and must present identification. The bank ( XXXX or Chase ) does not have paperwork about how the withdrawer has the ability to withdraw the funds because my mother tells me the money was sitting in a CD. There is no court order or copies of identification. My mother says the check in my name is my father- same name, using my money to pay his child support for me and the check in her name is the IRS forcing to pay her taxes. I have reason to believe the money I won was stolen from, I request the federal government to investigate and prosecute all people who was involved in the thievery of my money. Also, I want my money back plus interest because XXXX and/or Chase did not have the lawful right to withdraw money from an account without proper court paperwork or the account owner permission. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX credit agency has allowed someone to use my credit with a different email. Also XXXX is allowing a third party consumer agency to block me from getting credit. XXXX credit agency is taking too many points from me when I apply for credit. I disputed many items on my credit report. XXXX credit agency removed them then put them right back on. I joined XXXX XXXX to help build my credit XXXX is not giving me my points. I have been having this problem for years with this company. After I submitted the complaint with you guys they have been bothering my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report on my credit report that I have filed a Bankruptcy that was discharged but in fact I never completed the process according to the US Bankruptcy Court of XXXX, NC and that my case was neither dismissed or discharged and that nothing should be reporting on my credit report and I also provided Equifax with the documentation from the US Bankruptcy Court of XXXX, NC.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( XXXX XXXXXXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2020, I checked my credit file and noticed I have 14 unauthorized hard inquiries. To my knowledge I have Never signed any documents authorizing these companies to pull my credit. I am working individually with each company to get them removed. 

These unauthorized inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). Since these inquiries are unauthorized I have filled an Identity Theft Report with the FTC.

Included with this complaint are : FTC Identity Theft Report, Letter to Experian, FCRA 605b, Drivers License, Social Security Card, and Proof of Residency. 

These forms are to serve the purpose to identify myself which are required by the FTC for my Identity Theft Report.
Product: Vehicle loan or lease

I XXXX XXXX date on XX/XX/22 am demanding U.S Auto Sales to provide me a validation of debt pursuant to 15 U.S. code 1692g, and also, who gave you the rights to violate my rights to privacy?
Product: Credit reporting or other personal consumer reports

Experian failed to follow the fair credit reporting act and investigate the autocracy of information being reported on my credit report. I have disputed XXXX XXXX, XXXX XXXX account several times that came back verified. I do not have an account with XXXX XXXX XXXX and this account has not been verified with the validation letter to support collection account. Experian failed to follow several USC codes 15 USC 1681i, 1692, 1692g. I will seek legal actions if Experian don't properly verify the accuracy of the information and if it can not be verified, I am demanding a deletion of my XXXX credit report within 30 days.
Product: Credit card or prepaid card

I applied for a credit card in the summer of XXXX. I was denied a credit card by Comenity Capital Bank. On XX/XX/XXXX, my attorney wrote a letter to the bank requesting a copy of my entitled credit report and the bank did not give me a copy of my credit report it used to deny me a card
Product: Vehicle loan or lease

Credit acceptance I got a vehicle from XXXX XXXX I was only allowed to get this one vehicle I had a car through them and it got totaled gap insurance said I had to go through XXXX XXXX If I wanted to get a car not sure how true that is I was desperate needed a car so I got the XXXX I had to put a lot down on it then they send me a letter saying I have to pay the XXXX that they couldnt get from gap insurance I told them I wasnt paying it its already been 4 months so they said they would take me to court for the money I told credit acceptance to come get the vehicle it was broke down and I was able to drive it for a couple months after I got it they just came and got it after me telling them 7 months ago to come get it they sent me a letter saying they took it to auction I said how much will I have to pay she said we didnt take it do you want the car back I said if I wanted the car I would of kept it she said well do you know someone who wants to take over the payments no maam I dont she said well you have to pay us XXXX what why do I have to pay that and you guys sold me a lemon she said take that up with XXXX XXXX we just did the loan
Product: Checking or savings account

Just found out today ( XX/XX/XXXX ) that Marcus/Goldman Sachs allowed an outside actor to fraudulently open a savings account with my name and SSN number. Now they are saying that I can not do business with Marcus because a fraudulent account was opened in my name, and it can never be reversed. 

What happened to consumer protection? This should not be allowed by large banks. 

XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX 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. 

XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  I XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/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, credit repair services, or other personal consumer reports

About 60 days ago I sent a request to XXXX / LexisNexis To verify some information on my report I have yet to receive any type of a response from them.
Product: Checking or savings account

I had a XXXX banking account with BBVA which had about 10 transactions per month, as well as a personal checking account that I asked to have shut down 18 months ago and had had a XXXX balance since then ( I thought my request was taken care of ). PNC Bank bought out BBVA, and I received a debit card in the mail. I activated it and used it for business purposes. Then I started getting notices that the account was overdrawn. Impossible, I thought. 

After my first call in, I was told that it was a debit card for a personal account- they opened up a personal account and sent me a debit card. Meanwhile, I have not received any correspondence related to my XXXX account, which I badly need. I have now called in 6 times attempting to track down my XXXX card, about 2 hours of time on the phone, and EVERY CALL has dropped. 

So I have overdraft fees on a card I never wanted, no access to funds that I need in the account I use, and no one can give me an answer.
Product: Checking or savings account

my card was stolen late XXXX or early XXXX i dont keep XXXX track of XXXX thats negative to my life. months later im getting credit reversals to the MEGATIVE THOUSANDS. it closes ALL MY ACCOUNTS AND STEALS ALL MY MONEY IN MY SAVINGS THAT HAD NOTHING TO XXXX DO WITH MY CHECKING. CLOSES MY XXXX CREDIT CARD I HAVE XXXX NOTHING NOW
Product: Credit card or prepaid card

I was charged an interest fee on one of my credit cards after I had paid the balance on that card in full, well before the payment due date. The terms for this credit card simply and clearly state that interest will not accrue for at least 25 days after the date of any charges being made on the card if they have not been paid in full. Having paid the balance in full well before the payment due date, there was no interest to accrue, and leave an interest charge, I called the customer service for my bank ( BOA ) and told them I did n't recognize the charge, and had paid my credit card in full well before the payment due date, and the customer service representative told me that they had reversed the charge on my account. Nevertheless, this should not have happened on their part in the first pace, and is no doubt happening to others on a large scale, as it is a large financial institution.
Product: Debt collection

On XX/XX/2021 I started receiving phone calls from CELCO, a debt collector, with regards to a debt that is not mine, but rather my Mother in Law. 

I have received a call every 55 minutes for the last two days. I have spoken with three people there, only one of which I got their name, that being XXXX. 

After determining that they are looking for a relative, I let them know that they have the wrong number and to please remove me from their list. Yet, the phone calls have persisted. I was told that there is " nothing that they can do '', and that the phone calls would continue for up to 48 hours. 

The number that they're using is XXXX. I find it very hard to believe that they can't remove my number from their calling queue. They just don't want to be bothered, well, neither do I. 

I should not have to quit answering my phone just to get them to quit calling a phone number that they have been told is not valid.
Product: Credit card or prepaid card

I signed up for this Citi AAdvantage card on XX/XX/2019 with a promotional bonus offer of earning XXXX XXXX XXXX miles if I spend {$2500.00} within 3 months. 

I fulfilled the terms of the signup offer and Citibank issued the miles. 

Can Citibank please confirm that the miles were issued correctly, because XXXX XXXX is alleging that the bonus miles are not issued correctly and have therefore suspended my account. 

So I would like confirmation from Citibank on the bonus miles being correctly and accurately issued on their end so I can then get XXXX XXXX to lift the account suspension.
Product: Credit reporting or other personal consumer reports

I have mailed a dispute to Equifax, USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XX/XX/2024 at XXXXXXXX XXXX in XXXX, GA XXXX I have attached mailing attachments below along with the actual letter mailed to Equifax, along with tracking and signature when delivered. I have been disputing account ( s ) with Equifax. 

The account ( s ) below are reporting inaccurately according to the Metro 2 Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the FCRA 611 ( 15 U.S.C. 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at : 1.Name : The Names on my report should be corrected and these Inaccurate names must be removed : NAMES : XXXXXXXX XXXXXXXX 2. My Address : These Addresses are not mine and should be removed : XXXX XXXXXXXX XXXX XXXXXXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to this Bureau several times about accounts that do not belong to me and are reporting on my credit! This information is fraudulent and i want it investigated and removed immediately off my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

In sum and substance, in XXXX to XXXX I attended XXXX XXXX, XXXX XXXX, then XXXXXXXX XXXX, the most affordable state schools I could afford under a single parent household. In and around XXXX I paid off my federal student loan because I had only taken a small loan. But I did not notice that After paying the loan off completely, I incurred a interest for the prior month that totaled {$4.00}. The Federal student loan system continued to to charge interest on that {$4.00} amount. In XXXX I randomly logged into the student loan portal and noticed the balance of {$27.00} which I immediately paid. As of this date, when I log into Equifax, XXXX, and XXXX they list a total of 4 to 5 Derogatory Federal Student loan accounts, each listing a repeated late payment and derogatory in bright yellow. It's also noted on the credit reports that my student loan information negatively effects my credit. I contacted the federal student loans administration, and was denied a full payment history for my loans, I was only provided with a letter stating my loan is paid off, and the payment history from XXXX when I paid off the {$27.00}. In addition the credit buraus list multiple federal student loans when I only had one account. I have contacted Equifax, XXXX, and XXXX in writing about this in fair and negative information
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian : I really need your help because at this point I dont know where to turn. I had my coffee, opened the mail and I saw three letters. One from all three credit bureaus. I felt that there was wrong information on my credit report so I challenged them. But what struck me was that the other two bureaus removed the information I challenged, which was the following : Creditor : XXXX XXXX For some reason your company did not remove it. Im a little confused here. How is it that the other two bureaus removed the inaccurate information and your company did not? I thought you were contacting the same furnisher about this inaccurate information. If the furnisher verified that the information was incorrect with the other two bureaus, then why would they not do the same with your company? Are you sure you contacted them because this inaccurate information is stopping me from getting approved for credit, and Im starting to get upset. Believe me, it takes a lot to get me upset. I think your company made a mistake with this account given the fact that the other bureaus found that these accounts were inaccurate. Now, Im not a complainer, but I do need this fixed. I need this error resolved immediately. I was told that if errors are not fixed, then I can complain to the FTC about your company. I dont want to do that but I will if I have to. 

Please check with the furnisher and fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection agency account that was not mine but reporting on my XXXX XXXX file CCS Collections reported on XX/XX/2023 original creditor - XXXX  {$59.00} unpaid balance This was the claim by this company that I never heard of I disputed this as not mine fraud account XXXX claims they verified this account as mine but never offered any supporting documentation to prove this as factual data
Product: Debt collection

Solomon and Solomon collection agency in XXXX NY contacted me about a debt they are claiming I have through XXXX XXXX  XXXX XXXX XXXX XXXX last XX/XX/2018 ). I never gave them permission to keep calling me after I spoke with them. I ended up blocking their office number in XX/XX/2018 because they kept calling me. Around XX/XX/2018 they started contacting me from their toll free number and they have left voicemails twice. I never gave them permission to ever leave voicemails on my phone from either number. The heading on their collection letters states they are not legally allowed to call or leave voicemails to anyone without permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Incorrect Reports of My Name and Addresses. 


INCORRECT NAMES REPORTED : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA- XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX INCORRECT EMPLOYMENT INFO : XXXX XXXX XXXX XXXX