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

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not recognize the following inquiries Inquires on my equifax report XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX.
Product: Debt collection

I have an account with Conn 's Home appliances. I am exactly 7 days late on my payment due to my mother being XXXX XXXX  and in the hospital. My husband has also had health problems in the last week and has not been able to work. I get a XXXX check but it hasn't gotten here yet. These people called me 32 times on XX/XX/2019 and so far, 10 times this morning on XX/XX/2019. I spoke with someone on XX/XX/2019 who supposedly noted in the computer that I would be making my payment on XX/XX/2019. When they call it comes from a private number, XXXX NC or from some man who lives in XXXX NC. It never shows up Conn 's.
Product: Credit reporting or other personal consumer reports

Account showing as late was never late XX/XX/year>XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Grain Technology informed me that they were changing my credit account until a loan account because they were unable to verify my identity. I paid off the account and closed the account. My credit report is still showing I closed a credit account instead of paying off a loan. I gave the company several months to change the status off the account. They recently challenged my dispute through experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent accounts : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I have a checking account with chase bank and recently discovered they have been charging my account a monthly service fee of {$4.00} each month for years despite meeting the requirements for the {$0.00} service fee. 

When approached with this issue, Chase has refused to issue a refund of the fees that occurred past 90 days prior. This is theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copies of my credit reports and saw that there were inquiries on there that I did n't authorize. I called all  XXXX  of the bureaus (  XXXX ,  XXXX , and experian ) and they all told me the same thing that they are n't authorized to remove those inquiries that I had to call the companies in which the inquiries came from. Well, I did that and the companies referred me back to the credit bureaus and they told me once again that they are not authorized to change anything. It 's been a lot of back and forth and I am not satisfied with this.
Product: Debt collection

I get daily calls from a creditor, regardless of the fact I have told them that I have no money at this time, and when I 'm able to go back to work, I will pay the debt. The tell me the same things, and ask the same questions every time they call and say they are 'making a note of my circumstances ' to try and get the calls stopped. They are generally abrupt, and sometimes rude, and tell me they will keep calling every day until I make an arrangement.
Product: Debt collection

The repeated calls and messages from Wakefield Associates and its other partners have caused me sleepless nights worrying about safety due to the repeated threats and repeated hang ups this company has been continuing when they find my contact information and are buying it from the credit reporting agencies. I have a right to privacy and a right to be left alone. I refuse to pay a debt that I do not owe. I did send this company via all mediums to leave me alone and they refuse to cease their unlawful and abusive debt collection practice. Every 3-7 years this company pays to find my information just to harass me. They are texting my phone phishing sending me links to click on just to steal my location and information on my phone. I did not authorize them to do this and I as a survivor of trafficking believe that this is someone seeking to cause harm to me and I will notify my tribal communities, law enforcement, and the international governing agencies of this crime.
Product: Debt collection

XX/XX/XXXX I reached out to pay off a debt that popped up on my credit report that I recognized from along time ago And I paid the debt off. Then another account was mentioned by collections that I had no knowledge of was mentioned. I put in a dispute because I had no knowledge of it and now its popping up on my credit report impacting my credit
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX  . According to my records, a late payment was reported for my account number : XXXX. Date late paymenyts XX/XX/year> This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. Therefore, I request that you immediately remove the reference to the XXXX XXXXXXXX  late payment from my credit report. I further request that you notify the credit bureaus ( Experian and XXXX ) of the removal of this incorrect information. Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. I appreciate your prompt attention to this matter. Sincerely,
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to investigate inaccuracies on my credit report despite multiple disputes. I have repeatedly requested proof of investigation and the outcome, but Experian has provided none. This violates 15 U.S.C. 1681i and 12 U.S.C. 5536 ( a ) ( 1 ) ( B ). Their actions mirror allegations in the 2025 CFPB lawsuit against them. 

Below, are the accounts listed. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 there were purchase made with my card that i didn't authorize. 
XXXX ( {$180.00} ) XXXX ( {$200.00} ) XXXX ( {$140.00} ) XXXX ( {$110.00} ) XXXX ( {$57.00} ) When i seen these purchases i immediately cancelled my card to get a new one. And called Direct Express to inform them of what happened. They told me the purchases was pending so i had to call back within 3days. Waited 3 days call back to file my complaint so they can start investigation.
Product: Money transfer, virtual currency, or money service

I requested an international wire transfer of {$9000.00} from my account at PNC to a relative in XXXX. I presented the financial adviser at PNC with a detailed printout of instructions including the IBAN and Swift codes of both the intermediary and beneficiary bank as well as addresses and account numbers. The adviser assured me everything was input correctly. After a week of the other party not receiving the funds, I asked my branch if everything was ok. They told me to wait. After three more days, I told them to trace the funds. They were unable to get a response and told me to continue to wait. After another week of waiting, I was able to piece together that the Swift codes were transposed. I brought this to the attention of the branch manager only to learn that they had known this for a week and had tried to correct it without notifying me. However, the beneficiary bank will not respond to their trace/recall and I am being told they can not refund me the {$9000.00}.
Product: Vehicle loan or lease

The company, Ally Auto, locked me out of my online access and they force users like me to call a number to get a password reset. I have been calling for a few months and their operator always states that they can not assist with a password reset because the system is down. It is always down and they say call back. 

Since I am locked out I have been forced to use a third party payment system that charges a convenience fee that zi could avoid if I could have access to my account. 

I have also been unable to see if those 3red party payments have actually posted to my account.
Product: Student loan

My student loans went from being in forbearance to being in default all within then span of six months I was never notified and I was never given any help on how to rectify the situation. Ive contacted the school XXXX XXXX  XXXX XXXX  they told me it was out of their hands and so did fed loan. Ive been left with nothing but trouble and I have no help to rectifying this situation and i cant get jobs and housing because of it. I was told to contact your organization because you may be able to help me get some compensation for this. This dates back to XXXX when I started the loans and XXXX when this all happened
Product: Debt collection

The IRS Clearly defines a charge-off as a certificate of indebtedness Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of this account inaccurate! They also violate my rights according to the Privacy Act of 1974 and HIPAA Laws. This discrepancy results in inaccurate reporting of the account in question.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against TransUnion for blocking my access to my credit report. Despite multiple attempts to contact them and resolve the issue, I have been unsuccessful. 

I have been on hold for over XXXX hours on several occasions without resolving the problem. This has caused significant inconvenience and has prevented me from accessing important information about my credit status.

When attempting to access my account online, I received the following error message : " We're unable to complete your request online. Please try your request by phone or mail. ", I was unable to reach a representative despite calling during their stated operating hours.

This lack of access and poor customer service is not only frustrating but also concerning, as it prevents me from monitoring my credit report and ensuring the accuracy of the information contained therein.

I kindly request your assistance in resolving this matter. I believe that consumers have the right to access their credit information promptly and without such undue hardship.
Product: Vehicle loan or lease

You have not proven in accordance with the laws of the State of Pennsylvania, specifically12 PA Cons Stat 6254, as well as State XXXX and XXXX statutes, a deficiency claim can not be valid unless all required notices were DULY provided in a proper and TIMELY manner. 
Additionally, strict adherence to the allowable redemption and cure time limits is required for such a claim to be legitimate. The burden of proof of delivery or service can not be determined therefore the alleged deficiency claim is null and void. Further, you have failed to provide traceable evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold. 
Your company is well known for its predatory behavior and unsavory business practices, as clearly shown in the lawsuit CONSUMER FINANCIAL PROTECTION BUREAU AND THE PEOPLE OF THE STATE OF NEW YORK, V. CREDIT ACCEPTANCE, CASE NO. XXXX XXXX, XXXX. " Credit Acceptance profits even when borrowers are unable to pay their loans in full by using aggressive debt collection methods. As a result of Credit Acceptances practices, customers faced late fees, repossessions, auctions, post-repossession collection efforts, lawsuits, and ruined credit profiles ''. You have maliciously and intentionally reported several inaccuracies violating the Consumer Financial Protection Act ( CFPA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair Credit Reporting Act. 
You are inaccurately reporting to the credit bureaus the deficiency balance as past due and fraudulently accruing and reporting interest on the loan that is closed. The terms of the loan were accelerated after the sale of the vehicle therefore you can not report a monthly past due balance of OVER_120_DAYS_PAST_DUE nor continue to accrue interest as there is no longer monthly terms. This is a clear violation of ( FCRA ). Your retaliatory actions are a clear violation of15 U.S.C. 168 & 18 USC 894. You are further in violation of Section 623 ( a ) ( 1 ) ( B ) since you have failed to provide ALL legal documentation. I demand this account be deleted.
Product: Checking or savings account

Complaint Regarding USAAs Cashiers Check Verification Process To Whom It May Concern, I am submitting this complaint against USAA Federal Savings Bank for their continued failure to resolve problems with their cashiers check verification process. These issues have caused unnecessary stress and prevented me from meeting essential financial obligations. 

The problem began several months ago when I was unable to verify my identity due to an outdated phone number on file. Despite updating my contact information and spending significant time on the phone with USAA representatives, the system repeatedly failed to verify my identity. I even purchased a new phone service to receive verification codes, but the issue persisted. 

I escalated my concerns multiple times, including to USAAs escalation team and a representative from the Office of the CEO, but no resolution was provided. Most recently, this unresolved problem prevented me from accessing funds needed to pay my rent. I was forced to use another financial institution to meet this critical need, further highlighting the failure of USAAs processes. 

As a long-standing customer, I find this level of service unacceptable. USAAs failure to resolve this issue points to systemic flaws in their processes and customer support. This has created significant inconvenience and undermined my trust in their ability to handle essential banking services reliably. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate steps to ensure USAA addresses these deficiencies and implements reliable solutions to prevent similar issues for myself and other customers. 

Thank you for your attention to this matter. 

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

I have unauthorized debt on my credit report from Affirm. I am only XXXX XXXX XXXX someone is opening lending accounts in my name without my consent and its affecting my credit drastically
Product: Credit card

I applied for a Citi AAdvantage platinum Select world elite Mastercard and received a denial letter in the mail stating that I was currently enrolled in a payment arrangement program. This is false, all of my accounts are current and I have never been enrolled in any payment arrangement programs. This may have been for a card that I was an authorized user on but I was not and am not responsible for that account. Citi wrongly denied my application using false information that does not relate to me and my credit. The application ID is XXXX.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit card or prepaid card

I applied and was approved for a new credit card account with home depot Credit Services. At the time of application they had a promotional offer of {$50.00} off purchases of {$300.00} to {$990.00} within 30 days of opening the account, in store purchase or online. I made my purchase online on XX/XX/20 for a total of {$360.00}. I called home depot credit services after my purchase and was told the credit would be applied in 2-3 billing cycles. After the 4th billing cycle I called to check status on the {$50.00} credit and was by the first rep that I did not qualify because the promotional offer is based on the 1st purchase  made on the new account, my pfirst purchase was made XX/XX/20 for {$21.00} therefore i did not qualify. Fine print of the offer does not mention this. I requested to speak to a manager her name was XXXX, and manager gave me several different excuses as to why I did not qualify. 1st purchase had to be in-store, 2nd : {$360.00} was broken down into different orders under {$300.00}, 3rd, I used a coupon for purchase. None of these fake excuses are on the fine print, Manager offered to apply {$25.00} credit but i declined as I followed the fine print of the offer as required, they should apply the full {$50.00} credit per offers terms
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being Transunion, XXXX  and XXXX attached you will find supporting documentation. the accounts that need to be removed are XXXX XXXX, XXXX, XXXX and XXXX these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I have tried to send XXXX dollars from my account in rapid pay to my account in XXXX. The webpage of Remitly just asked me for my passport and my number account. Then they put the amount on hold and they require me a bank statement that I wasnt able to obtain on time. Remitly canceled my transaction and they told me I would receive my money back in 24-48 hours but they didnt release the money. I called my bank and they said Remitly never return the money.
Product: Mortgage

On XX/XX/2018, my Mortgage Co. ( Ocwen ) bought my home in a sheriff sale. Prior to the sale, I felt 4 specific times my situation was mishandled.

Fast fwd to today, I can not reach my contact @ Owen. I was granted a modification after the sale, due to my complaint of mishandling/misinformation.

I completed the modification and now I owe {$9000.00}.

I don't even know who owns my home, if I can keep it if/when I can raise the money owing, etc. I can not seem to find any agency, after contacting @ least 4, that can help me. I am afraid of being homeless, I need answers of where I go from here.
Product: Debt collection

On XXXX/XXXX/XXXX XXXX XXXX notified me of new accounts placed for collection. When I checked my mail, there was a letter from XXXX XXXX XXXX regarding a debt they purchased from Pendrick Capital Partners, of which I have never received any correspondence. They have listed 3 items, from XXXX and XXXX, 4 and 3 years ago, respectively, and I am unaware of these charges. I 'm trying very hard to get my credit fixed and my score back up, and this was a shock to me. I also have a negative comment from the XXXX XXXX for XXXX XXXX XXXX, and I have n't even walked into that place in at least 15 years, so I have no idea what this charge is for because I do not use the clinic or any of it 's doctors or services. I 've been trying extremely hard to keep any and all medical payments made and kept current, so I 'm very surprised about these bills because I had no prior knowledge. I 'm also very upset that XXXX put this into my credit report immediately instead of sending me prior correspondence to let me know about it so that I could see what it was even for. Thank you in advance for any assistance you might be able to give me.