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

USAA is in it XXXX  for allowing it to get this far. But they said it's VISA 's fault for disallowing them from reversing the transaction, so that's where we're headed next. 

On XXXX. XX/XX/XXXX my husband went to get last minute essentials in out small town in XXXX AZ because we're headed to a motel for a few days for my Social Security hearing. We live under every perceivable poverty line. I can not walk very fast nor unassisted and I get SEVERE XXXX  from being in the wrong aisles of some grocery stores. My husband has knee problems himself and couldn't work if he wanted to ( we've both tried so hard ) and he would rather keep me safe. It's not a fun life. Every {$5.00} counts. So when he pops a tire and he's notifying me he's staying the night in town because he's ALREADY paid a roadside service who promptly promised serviceXXXX In the morning at XXXX, I'm XXXX shades of XXXX 

The next morning XX/XX/XXXX comes around and he tells me this roadside service called and canceled their alleged XXXX XXXX  appointment, too. They couldn't get someone out until the following TUESDAY. He ends up having to borrow MORE money to get tires in town because this is full-stop unacceptable and he tells the roadside service this and demands a refund for services not rendered. This is all reflected in bank statements. We go over this with the bank on the phone and they give us our money back in the meantime. 

Until about two weeks ago when we're {$400.00} and change in the hole again. We're TIGHTLY revolving zero this season. We have XXXX  income, even unofficially, until this Social Security situation is resolved, too. We re-initiate with USAA, who sends DEBT XXXX to my husband 's phone while we're trying to resolve this. This happens while we're sitting at the gas station just trying to go to the grocery store to spend our XXXX last month, XX/XX/XXXX! 

In finding out that USAA has negative interest in resolving this on our end, they did read us the fraudulent transcript the roadside company submitted to VISA in order to get their money. USAA has proclaimed they intend to send my husband all the documents the roadside servoce provided to VISA. I am disinclined to believe they will do this because they do not provide these documents to any of their customers, in my my hilariously already complaint-riddled experience. They must not have bet on someone who lives where they do because their family doesn't know where they live for a reason and would n't drive out here from a LOT of coasts.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX  XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX  XXXX. XXXX  XXXX 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: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX stole my identity in XXXX, Tn to work, open bank accounts, driver license, social security card, cars and houses in XXXX, XXXX and XXXX Tn XXXX On XX/XX/2022 using social security number to open Bank of America saving and check a account, job, driver license and fraudulent accounts in XXXX, Tn
Product: Mortgage

This was a commercial XXXX XXXX ( {$700000.00} ) that was not handled properly. Through no fault of my own, the transaction failed to complete. Contract was dated XX/XX/XXXX. Failed on XX/XX/XXXX. 

Please find multiple attachments of the history and repeated efforts to resolve this with the parties involved. 

Thank you for assistance and attention to this life changing catastrophe.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( fcra ) to conduct a reasonable reinvestigation of disputed information on my credit report leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing forward consumer- provided evidence to furnishes, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience with Experian. Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer.
Product: Credit card or prepaid card

Hello, Im hoping you can assist with a credit card account reconciliation for food purchases on my Chase Sapphire Reserve card. My husband was stationed, as a XXXX, on a XXXX XXXX base in XXXX. While our food purchases on the XXXX XXXX base were transacted in XXXX dollars, we did not receive XXXX points per dollar at restaurants ; instead, we received XXXX point per dollar. The restaurants included XXXX XXXX, XXXX, and XXXX  ( see XXXX for evidence of a restaurant ). 

I called Chase regarding this issue in XXXX and they were able to credit my account with the difference of points for the XXXX calendar year. However, Ive been trying to have the same review performed from XXXX ( approximately XX/XX/XXXX ) to XX/XX/XXXX ( when we returned stateside ) and am not receiving any assistance with this issue. 

I have contacted Chase multiple times without resolution - as noted on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 

My husband is in the same situation with his credit card, so I will submit a separate request for his card as well. I appreciate any help! 

Thank you!
Product: Credit reporting or other personal consumer reports

The account with Bridgecrest should reflect a {$0.00} balance. Currently it is still reporting a balance on the loan which appears on the 3 credit reports XXXX, XXXX and XXXX. 

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. Bridgecrest, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I'm trying to buy my lease vehicle at end of lease. GM Financial will not give me an itemization of payoff amount so that I can obtain financing through another bank. They will only give the total payoff amount. The new bank needs itemization details about the payoff amount to finance the new loan. 
I talked to XXXX on XX/XX/22 and XXXX on XX/XX/22 at GM Financial. XXXX said she was sending me the information, however, when the information arrived, there was no breakdown of the total payoff amount. I called GM Financial again and talked to XXXX. He refused to give me the payoff breakdown. He refused to give me his last name, direct number, e-mail address or any other information so that I could call back to discuss the issue with him again after talking to my bank. He kept referring me to GM Financial XXXX number if I wanted to call back.
Product: Credit card

On XX/XX/scrub>XXXX there was a charge to my Citi card for {$74.00} and I immediately notified Citi of the charge. I was told to not worry, and that they ( Citi ) will take it off my account. Two days later, XX/XX/scrub>XXXX  another charge for {$59.00} was charged to my account. And again I called Citi and notified them, and again I was told to not worry, they will take it off my account. One month later, I was billed for the charges I had called them ( Citi ) about. And I was told I am responsible for those charges. Citi gave me the name of the company making the charges to my account ; XXXX XXXXXXXX XXXX. I explained to Citi that I do not know the company and I don't know how they got my card information, and I did not receive any package from XXXXXXXX XXXX XXXX. 

I ordered a XXXX XXXX from XXXX XXXX XXXX and it is suppose to a free gift from XXXX. When I was billed {$74.00}, I contacted XXXX, and they ( XXXX  ) said the email was not from them. I did receive the XXXX XXXX which I immediately return to sender without even opening to know the content. 

I have explained all these to Citi, I even wrote letters to Citi. They simply ignored all my letters and insist I pay for the fraudulent charges on my account. 

Please I need your help.
Product: Debt collection

This company ( Reliant Capital Solutions ) indicates that I owe them for tuition for XXXX XXXX XXXX XXXX. Although I applied to the university, I never registered for classes or attended classes, and never agreed to be charged tuition, either verbally or through a written contract. After mutiple requests, the collection agency has refused to provide proof that the debt is owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a credit freeze on my data at Experian on XX/XX/XXXX by telephone. Subsequently, I was sent three sets of documents, also called reports, by Experian with an identification number. The document advised me to save this identification number because I would need it to validate my identity with Experian should I need to temporarily lift the freeze on the credit report. Each report had the same identification number. The number contained 6 leading XXXX followed by 9 other digits. 

On XX/XX/XXXX and again on XX/XX/XXXX, I attempted numerous times to temporarily lift the credit freeze on my credit data. I was unsuccessful and encountered the following problems. 

The use of leading XXXX defeats the purpose of a unique ID number since the online form accepts any number of digits up to a maximum of 10 and there is no way to know how many to enter or whether on should enter any at all. 

Regardless of the number of leading XXXX, since I tried all possible combinations which the form would accept, including NO XXXX, the online form to temporarily lift the freeze would not accept this number. In each case I included the other 9 digits. 

I also tried the number I was given when initially creating the freeze over the phone but which had not worked during a previous temporary suspension of the freeze. This number was different from the one sent by mail on an official form. This one had no leading XXXX and contained 10 digits. This was also rejected. 

I then tried to establish my identity without a PIN using a series of questions. I answered each question correctly but Experian rejected this method of validation as well. Apparently the data they collect is often inaccurate and invalid and produces many false negatives. 

Finally, I tried to upload a PDF scan of the three documents they sent again using their online form, but their system was unable to upload this document. 

Experian does not provide telephone support to resolve problems like this. For a company with so much power over the financial lives of Americans to display this degree of incompetence with no way to quickly resolve issues is completely unacceptable. 

I need a valid identification number to use to temporarily lift the credit freeze on my credit report promptly from Experian. This number should contain no leading XXXX.
Product: Debt collection

Credence Resource Management is representing a old as a Current debt and trying to collect on it... The debt was from XXXX XXXX. They have reported it to XXXX credit company, as pass due as of XX/XX/2023 ... That debt is over 10 years old...
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had a drivers license I can not even get behind the wheel I have XXXX  XXXX  I have a problem with XXXX  and XXXX  I am on able to drive a car permanently I got a police report I did a fraud report I am not got a resolution yet and its been since 2019 when I found out about the fraud with Santander consumer USA
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to get my named removed from a Bank of America account that my ex spouse and I had together prior to divorcing almost two years ago. It is a line of credit account number XXXX. I have our executed settlement agreement that states that I am not longer responsible for the account. My ex spouse has let the account go 90 days past due and it is being reported on my credit. This is a causing me a great deal of financial stress. 

Page 11 article 8 of the attached document identifies who is responsible for this debt.
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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these issues
Product: Credit reporting

my credit score has been XXXX for over a year and the past 7 months nothing has changed dramatically to warrant a NEW SCORE OF XXXX? Are you really doing this to me Experian? I am a member that looks and updates my report daily so this significant drop in my score needs to be explained .... NOTNING NEGATIVE HAS BEEN ADDED TO MY REPORT SO WHATS GOING ON WITH MY NEW SCORE THAT HAS DROPPED ME TO A MEDIUM RISK FROM A LOW RISK TO LENDERS AND WILL AFFECT MY LIFE IN A BAD WAY ... .I DONT DESRVE THIS XXXX ... ..
Product: Checking or savings account

On XX/XX/XXXX, CitiBank agreed to deposit {$400.00} into my checking account within 5-7 business days, per CFPB complaint XXXX. It has been 14 business days, and CitiBank has not deposited {$400.00}, nor responded to my messages. I took the following actions : XX/XX/XXXX : I sent a followup email stating it has been 9 business days, no response. 
XX/XX/XXXX : Sent a followup email stating it has been 11 business days, no response. 
XX/XX/XXXX : Called the Executive Response line, XXXX. Was told " XXXX '' wasn't available and " no one else '' at CitiBank could possibly help. Left message, no response. 
XX/XX/XXXX : Reached out to @ XXXX customer support on twitter. Escalated for an " immediate review ''. No response. 
XX/XX/XXXX : Followup email stating it has been 14 business days, no response. 
XX/XX/XXXX : Called the Executive Response line, XXXX. Was directed straight to a voicemail despite it being business hours, twice. Left message, no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, I noticed my credit score went down XXXX points which was alarming as I've been paying my chase credit card on time and I have not been using it. I noticed there were XXXX hard checks done by XXXX XXXX and XXXX  XXXX XXXX and I did not contact those banks to open credit cards. I only have one card and I only need one card. The next day, there was also a credit check from XXXX XXXX  XXXX I contacted the companies and they sent me to the credit bureaus to try and call them. I believe I was able to put a freeze on my credit accounts but I need these credit checks off my record. This has never happened to me before so I want to ensure I am taking the right steps to protect myself as well as get these off my record.
Product: Debt collection

Transworld Systems Inc sent me a debt collection letter, I then requested debt validation and have yet to receive anything. Until today I received letter asking for payment. I requested debt validation because my identity was stolen. I have had to complete several identity theft reports when debt shows up at my now and has been current address for the past 4 years. Now this one included. This debt does not belong to me.
Product: Credit reporting or other personal consumer reports

My car was stolen and XXXX  total my car out. They paid XXXX market value for my vehicle. I had gap insurance with the original lender XXXX XXXX. The company was acquired by XXXX XXXX. There was an issue obtaining the original gap coverage insurance and the terms of their agreement through XXXX XXXX. This has been an ongoing issue and Ive been disputing this with a credit bureau for the last two years. This information is incorrect and under the section 605B of the fair credit reporting act FCRA, I wish to dispute this and have this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have rights under 15 USX 1681. 
XXXX is governed by 15 USX 1681, and they violated my rights numerous times. I demand the accounts listed below be removed ; XXXX XXXX XXXX  xxxxxxxxxxxx XXXX XXXX XXXX XXXX  xxxxxxxxxxxx XXXX XXXX - XXXX XXXX  xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX  XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USX 1681 ; I have the right to privacy and I did NOT give XXXX  permission to furnish these accounts
Product: Debt collection

Your blatant disregard for the material facts and your failure to provide a clear and substantiated reason for the denial are nothing short of an affront to the very principles of fairness and justice. Despite the fact that the other bureau was able to confirmed the fraudulent activity and diminished the accounts on their report immediately. I was the victim & Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. IT IS BEYOND COMPREHENSION THAT, DESPITE MY EXPLICIT REQUEST AND THE EVIDENT PRESENCE OF FRAUDULENT ACTIVITY ON MY CREDIT REPORT, YOU HAVE CHOSEN TO REJECT MY PLEA WITHOUT A THOROUGH INVESTIGATION!! The lack of transparency in your decision-making process raises serious questions about the authority and competence of your organization in handling such crucial matters. 
XXXX XXXX XXXX XXXX XXXX DELETE!!!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX XXXX XXXX XXXX DELETE!!!!! XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
Furthermore, I am left questioning the credibility of your investigative procedures. HOW CAN I TRUST AN ORGANIZATION THAT FAILS TO PERFORM A THOROUGH EXAMINATION OF THE FACTS BEFORE MAKING A DECISION OF SUCH MAGNITUDE? Your lack of diligence suggests a disregard for the well-being and financial security of the very individuals you are entrusted to protect.
Product: Credit reporting or other personal consumer reports

Im a bit confused here, so I fell behind on my credit card payments back in the summer months of 2024. I had called and spoke to the company on multiple occasions to try and figure out what could be done. So I entered a hardship program with the company and they told me that I would need to only pay {$41.00} per month during the hardship program but what was not mentioned to me is the company y continues to ding my credit reports for the last 6 months as late. 

The payment was not considered late being enrolled in their hardship program. This is biased and not right
Product: Credit reporting, credit repair services, or other personal consumer reports

Applying for a personal loan with XXXX we were Informed we had negative information on the credit report. This has been a continuing problem with all three Credit reporting agencies- incorrect data, wrong information missing information. In evry inbstance it has caused us grave financial harm.
Product: Mortgage

Loancare is attempting to foreclose while I am in forbearance. This forbearance was approved XX/XX/XXXX through XX/XX/XXXX per attached letter from Loancare. 

This was approved on XX/XX/XXXX, a full 16 days prior to the 30 day response period given in the XXXX XXXX XXXX attorney letter dated XX/XX/XXXX. 

They filled initial foreclosure paper work on XX/XX/XXXX in error. I want this removed from the Land Court and Registry of Deeds. 

All documents that support the above timeline are attached.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
XXXX Account # XXXX, BMG MONEY Account # XXXX, XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX Account # XXXX, BMG MONEY Account # XXXX, XXXX Account XXXX XXXX is causing harm to my credit reputation and financial All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit card

XXXX per my credit report does not show that my American Express Card is CLOSED. Need them to update the status.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX cra-hippa violation inaccurate information account no knowledge of or not mine sent po number to credit company reporting inaccurate information