23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The Credit Card Accountability Responsibility and Disclosure Act of 2009 outlines that any amount made over the minimum payment should go to the highest interest balance on the card, then 2nd highest and so on. My bank, USAA Federal Savings Bank, is not doing that with their XXXX XXXX card that I have. I recently transferred a balance at 0 % interest in XX/XX/XXXX and also had a cash advance for overdraft protection and some purchases with interest of 20.15 % that month. When I made my payment in XX/XX/XXXX to cover the previous months cash advance and purchase balances to leave the 0 % balance transfer amount, they applied the payment of around {$1500.00} to the 0 % balance 1st and which left around {$1500.00} balance combined from cash advance and purchases being hit with 21.65 % interested which is evidenced on my XXXX, XXXX, and XXXX invoices! This is illegal as per the Card Act of 2009!

Ive attached invoices from XXXX - XXXX so you can see the history of transactions and how payments have been applied. The illegal interest amounts began on XXXX invoice after my {$1500.00} payment was applied illegally to the 0 % interest card 1st, leaving {$1500.00} of balance receiving the higher interest rate illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very pressed by terrible life conditions and these fake accounts in my credit report just ruining my life. I want you to delete them as I can not operate anymore ... These items just killing my score and my future.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed inaccurate reporting and accounts. This involved the following : 1. XXXX XXXX : Account number XXXX  ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$370.00}. 
2. XXXX XXXX : Account Number XXXX   ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$9800.00}. 
3. XXXX XXXX XXXX XXXX ; Account Number XXXX  ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$1100.00}. 
4. XXXX XXXX XXXX XXXX : Account Number XXXX ; Date Opened XX/XX/XXXX ; Highest Balance {$910.00}. 
5. XXXX XXXXXXXX XXXX XXXX : Account Number XXXX ; Date Opened XX/XX/XXXXXXXX   ; Highest Balance {$840.00} 6. XXXX XXXX : Account Number XXXX ; Date Opened XX/XX/XXXXXXXX   ; Highest Balance {$51000.00}. 
7. XXXX  : XXXX ; Date Opened XX/XX/XXXXXXXX  ; Highest Balance {$720.00}.
Product: Credit reporting or other personal consumer reports

There hard inquiries that do not belong to me haven't been authorized by me and have to be removed well thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 identified accounts on my credit that are results of identity theft. These items are not related to any transactions completed by me. I have read I have rights to have items blocked or removed pursuant to 15 USC 1681C-2. Please honor this request and remove all accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were somehow three hard hits on my account today. 1 I recognized, but 2 I did not.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Capital One Auto Finance for failing to properly verify and update my account information, despite multiple requests. 

I have repeatedly informed Capital One Auto Finance that I make my payments on time and have requested that they correct any inaccurate late payment notations on my account. However, they have failed to verify the accuracy of their reporting and have not removed the incorrect late payments from my credit file. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers of credit information are required to report accurate data and correct any errors. Capital One Auto Finances failure to update and verify their reporting is negatively impacting my credit and financial well-being. 

I request that the CFPB investigate this matter and ensure that Capital One Auto Finance properly verifies and updates my account information. Additionally, they should remove any inaccurate late payment records that they have failed to substantiate. 

Thank you for your time and assistance in resolving this issue. 

Sincerely, XXXX XXXX
Product: Mortgage

TO US BANK. We are seeking the return of the 2 x {$1300.00} fees that were charges against approximately {$2900.00} in over due HELOC payments. No work was done for these fees, they were billed in advance and we talked to the lawyers. They had not started their foreclosure filing they were waiting to get the account file. 

These fees then are very unreasonable, accounting for 33 % of our total bill. 
US Bank is creating hardship. We had two times made big payments to catch and earch time we get his this massive bill and its just right or fair. Its also an error. 

There is another error, US Bank gave the. wrong phone number for financial assistance and the banks general number and have a HELOC god help you no in bank knows it and our account number does not come up at all. We gave up and got the lawyers. 

Please let us survive. A fee complaints is attached. Please read. Thank you
Product: Vehicle loan or lease

I purchased a vehicle from an online retailer named XXXX on XX/XX/2022 and financed it through XXXX XXXX XXXX by Chase. It has been 10+ weeks and I have yet to receive my vehicle registration. When I call the customer service line at XXXX I get told someone will call or email me in 2 business days. No one ever calls or emails. The customer service folks are clueless as to what is going on. I have repeatedly asked for a supervisor or anyone that can actually help and each time the representatives tell me they can not transfer me to anyone else. The temporary plates that came with the vehicle are expired and I can not get anyone to answer me regarding my actual registration, vehicle title and permanent plates.The XXXX  DMV has not received any documents from XXXX and they have confirmed they do not have a backlog on registrations. 

I have called XXXX repeatedly and sent over XXXX emails to the representatives with zero resolution. 

I now have a $ XXXX vehicle loan in my name and a vehicle that is registered to no one. I can not drive an unregistered vehicle. Im stuck with {$660.00} a month payment for a vehicle that isnt titled or registered to anyone. XXXX along with XXXX XXXX XXXX by Chase refuse to advise why the vehicle is not registered and/or where the title is. I believe XXXX + XXXX XXXX XXXX by chase deceived me into a financing agreement for a vehicle that they do not have the title for and were not legally able to sell/finance to me. they are offering no resolution for the issue and my repeated requests for their assistance have gone uinanswered.
Product: Mortgage

Complaint narrative : In XX/XX/2025, I submitted my full principal and interest mortgage payment of {$1200.00} to Truist Mortgage. I intentionally excluded the escrow portion due to a dispute over forced charges and an unexpected $ XXXX increase. Despite making this timely payment, Truist misapplied the funds, marked the payment as unapplied, and falsely recorded my account as past due. This error caused a cascading issue that nearly prevented me from closing on a time-sensitive business loan. 

To protect the loan, I was forced to make an additional full payment of {$1700.00} on XX/XX/XXXX, XXXX paying for the same month twice. Truists internal error directly impacted my mortgage record, led to false reporting, and created financial stress for my family and business. 

This mishandling also resulted in : An inaccurate mortgage statement ( dated XX/XX/2025 ) Improper classification of a valid payment Coercive pressure to escrow funds unnecessarily Financial and reputational damage I am requesting the CFPB to review this case and ensure Truist : Corrects my mortgage records to reflect timely payment for XX/XX/2025 Issues a written acknowledgment of their error to support my business lending file Ceases any attempts to force escrow or impose inflated escrow fees The mishandling of my mortgage payment is unacceptable and violates basic mortgage servicing practices. Truist must be held accountable.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

i bought XXXX from XXXX XXXX XXXX XXXX in alabama, ship it to me in XXXX TExas. WEeks later i traded the XXXX in at XXXX XXXX XXXX, XXXX XXXX XXXX send Bank of america a check for pay off. Now Bank of america is telling me XXXX XXXX XXXX flat canceled the loan, XXXX XXXX XXXX telling me the didn't. XXXX XXXX XXXX told me they received the title earlier this week and sent it back to Bank of america, XXXX XXXX XXXX needs the title to the truck, as there holding my equity until i receive the title. im stuck since the delaer ship and bank of America isn't helping in this matter. We keep going i circles. my number is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Credit Reporting Dear CFPB, I am writing to formally file a complaint regarding inaccurate and misleading information on my credit report. The reporting in question appears to violate the Fair Credit Reporting Act ( FCRA ) and potentially other consumer protection laws. 
Details of the Complaint : 1. Inaccurate Balance and Status Reporting : o My credit report reflects an account with XXXX XXXX. The account is reported as Collection/Chargeoff with a balance of {$24000.00} and a past-due amount of {$12000.00}. However, I believe this information is inaccurate based on the following : The balance and past-due amounts are not consistent with my records. 
The account status may not have been updated to reflect recent activity or payments.

2. Duplicate Reporting of the Account Across Bureaus : o This account appears to be listed multiple times across XXXX, Experian, and XXXX. Duplicate reporting has caused significant harm to my credit score and misrepresents my creditworthiness. 
3. Failure to Provide Accurate Comments : o The comments section contains misleading and potentially inaccurate language, such as Charged off as bad debt and Unpaid balance reported as a loss by credit grantor. I am concerned these comments unfairly damage my reputation. 
Steps I Have Taken : I have contacted the creditor and credit reporting agencies to dispute these inaccuracies. Unfortunately, the issue has not been resolved, and I have not received a satisfactory response. 
How This Affects Me : These inaccuracies have negatively impacted my credit score, leading to denials for credit and increased interest rates. This situation has caused financial harm and unnecessary stress.

Requested Resolution : I am requesting that the CFPB investigate this matter and ensure the following : 1. The account details are verified and updated to reflect accurate information.

2. Any duplicate entries are removed from my credit report.

3. The creditor and credit reporting agencies comply with FCRA requirements to ensure my rights are protected. 
I have attached copies of my credit reports, correspondence with the creditor and credit bureaus, and any supporting documents for your review. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The hard Inquiries on my XXXX XXXX and Experian account are errors, and all need to be removed immediately.
Product: Checking or savings account

On XX/XX/year> XXXXXXXX XXXX I received a text from current stating we block these charges they look to be fraud. Well on XX/XX/year> XXXXXXXX XXXX they let the charge go through. For same merchant same amount. Even through I reply back to fraud alert it was unauthorized. They would not let me dispute until it settled even though they knew it was fraud before they let it go through. It took 3 more days to settle. Then they stated it would be 10 business days for a credit. When I told them of the fraud XX/XX/year> but said no it starts from dispute on a charge they let go through. I notified of the fraud look at the time frames the time I have spent trying to get my money is insane
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX. XXXX XXXX XXXX XX/XX/XXXX, XXXX. XXXX lending llc XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX - XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting this company each month since XXXX. I have contacted XXXX and XXXX as well. I have notified ALL parties of the inaccurate reporting and they have failed to remove the information from my credit reports or even attempt to fix the error. I have attached a copy of the reporting to this complaint. As you can see they are reporting the account in dispute but have failed to correct any errors, in turn compromising my credit profile. 

This company has failed to report my last reported credit limit on this account. The high balance can't be determined. the dates for last activity are inconsistent, XX/XX/XXXX and XX/XX/XXXX. The balance owed is significantly higher than the past due balance and this account has been closed over six years, so the past due amount and amount owed should be the same. Monroe and Main is also reporting to XXXX that this is an unsecured loan and reporting to XXXX that it is a charge account. 

This account is reporting inaccurately per state and federal laws and not reporting up to credit reporting standards per the Consumer Reporting Resources Guide. Monroe and Main have failed to report mandatory information such as my last credit limit.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at DEPT OFEDUCATION/XXXX XXXX on XX/XX/XXXX with a balance of {$3000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I contacted the hospital and was making {$50.00} a month payments. They agreed to accept this amount. I have been making these payments and they turned it over to collections wrongfully. I strongly refute this and request immediate removal from my credit report. Besides, why is there a medical bill charged against me on my credit?
Product: Credit reporting

I have a XXXX XXXX XXXX XXXX credit card account showing a open balance. This account was paid in full in XXXX 2014 and closed.
Product: Mortgage

Shellpoint Mortgage Service denied my approved modification. XXXX XXXX XXXX sent Shellpoint Loan Modification Documents. I also sent them the same documents. I am a XXXX, low-income, XXXX, XXXX  veteran in a constant medical battle with XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX ( XXXX  ), Pain/Walking ( XXXX XXXX XXXX  ), XXXX ( XXXX XXXX XXXX ). I need this modification. My life depends on it. 

This started when XXXX  took possession of the loan simultaneously to creating documents of the successful completion of the XXXX trial payments approved by investor XXXX XXXX XXXX. It seems the grant got done but there never received the new modification documents from either XXXX or Shellpoint. My modification is XXXX XXXX XXXX XXXX months. Mortgage Payment {$1600.00}. I request either XXXX or the new servicer Shellpoint Mortgage Services send me the above-approved modification documents to sign. 

THIS STRESS IS KILLING ME!!!! 

Please Help! 

With the Warmest and Kindest of Regards XXXX XXXX XXXX email XXXX Home Phone : XXXX
Product: Credit card

Capital one reported a payment I made through autopay system as late. the autopay was supposed to be set to " pay minimum '' due. The service although selected did not remit the payment of minimum due. Although the payment was made on time as scheduled the amount was incorrect due to their online site. I have never missed a payment and have a flawless history with them. They are completely able to remove this from my credit yet they are not doing so. Again my payment was on time as usual, but their system did not work correctly even after selecting minimum amount due and closing the site. This is unfair and not the way to treat a customer in good standing of 9 years. I want this removed immediately.
Product: Debt collection

Portfolio recovery for XXXX items has been repeatedly asked to verify debt. Attempts to do this with them and XXXX, XXXX, and XXXX as well. The dates of these letters being sent out were as follows : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX All of these letters were sent out by XXXX XXXX XXXX as my representation in this. The contact information for XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX. ( XXXX ) XXXX As of today, my representatives and I have not received anything to verify the debt. 

Since this has not been verified it should be removed from my credit report, per the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewing my credit report. I noticed that Equifax was not up dating current information that was given to them by me or my creditors. 
Approximately in XXXX I contacted Equifax. I questioned their credit scoring methods ( knowing that credit score can not be disputed ). My score was XXXX at that time. After contacting Equifax, the next two months my credit score when down 28 points, without any reason.

I informed Equifax that I have never been late or miss any payments on my mortgage, credit card, etc. Furthermore I have paid off a big debt and lower some outstanding credits, record can show.The way it works is that when a consumer pays down any of its creditors, that consumer credit score will go up. In my case questioning Equifax and paying my creditors my score when lower ... inaccuracies.

Contacted Equifax numerous times with documents from my creditor using ( AUD ) documents. Equifax sent me letters with update, but without addressing my concern of the inaccuracies of my credit score.Investigating with other agencies, the out come shows that my score should be at XXXX. My score shows that Equifax has made some inaccuracies against my score. My score stands at XXXX well below the correct number.
Product: Credit reporting or other personal consumer reports

I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the XXXX timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611 15 U.S.C 1681 section 602 A. States I have the right to privacy. As well as 15 U.S.C. 6802, and the Privacy Act of 1974. This company is also violating Metro 2 Compliance guidelines. This is FRUAD AND IDENTITY THEFT. It saddens me to know that this company has complete control over my livelihood by sharing private personal information that is incorrect or invalid and AGAINST MY WILL. Their power is going completely unchecked, even with the laws in place that are supposed to protect my consumer and civil rights. I will be taking this company to arbitration if the following addresses are not removed immediately