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

Theres been many serious errors made on my credit report which I have identified and am outlining below. 

XXXX XXXX XXXX***** First, this account shows as charged off with a balance of {$6700.00},? Second, it shows No.month of terms as 36 but the  account is Charged off so how can this be?. Not possible. 

XXXX XXXX Reporting that this account is Charged Off but it has a past due balance of {$300.00} on a {$100.00} credit limit? Not Possible. 


12 XXXX  XXXX XXXX  XXXX XXXX**** Reporting this account is Charged off and the amount says {$1000.00} and last reported in 2018 so this is not accurate, Then the same account is reported a second time as XXXX  XXXX XXXX  below with a balance of XXXX. NOT POSSIBLE! 

XXXX  XXXX XXXX XXXX**** Reporting this account twice as 12 XXXX  XXXX XXXX  XXXX  and shows a balance {$1000.00} and this account is showing $ XXXX..This a violation of the reporting laws.
Product: Credit card or prepaid card

I CLOSED A CREDIT CARD ACCOUNT WITH PNC DUE TO POTENTIAL FRAUD. I HAD PREVIOUSLY SCHEDULED A {$100.00} PAYMENT TO BE APPLIED ON THE DUE DATE. I WASN'T CREDITED AND I WAS CHARGED A {$27.00} LATE FEE. THIS IS WRONG!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested from XXXX XXXX XXXX numerous times to provide to me a copy of the paperwork and application in which I would have filled out to obtain this particular flexible spending credit card : OPEN DATE : XX/XX/XXXX CREDIT REPORT DOES NOT SHOW A CLOSE DATE LIMIT SHOWS AS {$5000.00} BALANCE SHOWS AS {$5500.00} PAYMENT STATUS : COLLECTION / CHARGE-OFF ACCOUNT CLOSED BY CREDIT GRANTOR I do not recall this account and was involved in a divorce during the XX/XX/XXXX year and had two change of address. Also, I have contacted XXXX XXXX XXXX requesting a copy of any and all paperwork documenting this account and they are unable to produce. 
I would like this removed from my credit. How can the XXXX XXXX XXXX report and continue reporting items if they have no original proof that you opened the account? No end date? Etc. 
Clearly, since I have tried numerous times to obtain this information ( over 30 days without an answer ) this particular item should be removed from Equifax, XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act.. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Credit card or prepaid card

XX/XX/XXXX USAA RESPONSE CFPB XXXX USAA CONFIRMS FALSE CREDIT REPORTING INFORMATION DESTROYING MY CREDIT CLAIMING I REPORTED FRAUDULENT FRAUD. USAA Confirmed I Reported XX/XX/XXXX Transactions of XX/XX/XXXX - XX/XX/XXXX {$470.00} FRAUD ( see XX/XX/XXXX FRAUD CLAIM OF XX/XX/XXXX ) PLUS ADDITIONAL FRAUDS I DID NOT REPORT. USAA Confirmed I REPORTED {$470.00} + plus XX/XX/XXXX-XX/XX/XXXX {$180.00} Plus + XX/XX/XXXX - XX/XX/XXXX + {$59.00} UNTRUE. see attatched XX/XX/XXXX STATEMENT ( ALL CHARGES FROM XXXX XXXX TO XX/XX/XXXX ARE INCLUDED IN WHAT I REPORTED {$470.00} FRAUD. ) USAA FABROCATED FRAUD REPORTS NOT MADE BY ME. THIS IS ILLEGAL ISN'T IT???
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : Account : XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX Inquiry Dated XX/XX/XXXX, XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX XXXX Dated XX/XX/XXXX, XXXX XXXX Inquiry Dated XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX - XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XXXX  XX/XX/XXXX, XXXX - XXXX Inquiry XXXX XX/XX/XXXX and XXXX Inquiry Date XX/XX/XXXX.
Product: Mortgage

I Have A Satisfaction Of Mortgage Dated Back to XXXX They Say Chase is not Chase Loan, On XX/XX/XXXX They Issued a S.O.M. on XXXX Recorded with our Register of Deeds Here in XXXX XXXX On XXXX XXXX XXXX I got a letter from XXXX XXXX  XXXX XXXX of XXXX XXXX XXXX . 
XXXX that the Ref.Id.that chase said it was not there loan That My Loan was paid in Full as of XX/XX/XXXX. I also got a S.O.M. From XXXX. recorded with our Register of Deeds XXXX. This has XXXX. My Acc/ with Chase started on XX/XX/XXXX A S.O.M. It is a Document Generator By a Mortgage Lender It contains that the lender has no longer has any control over owner ship of the property the loan is Paid In Full. Our XXXX. Statutes state That XXXX Statute 706.05 { 10 } and 706.05 { 10 ] { a } This all mess started with the Housing Market crash of 2007 On Oct.6/2007 The Feds Announces that it provide 900 billion Dollars in shot term loans to Banks the Dow cloase below 10,000
Product: Checking or savings account

Reference previous complaint : XXXX This matter is NOT closed. The bank 's response is NOT acceptable and does NOT address the question I asked. 

My question has always been : Where can I see the {$3.00} fee for outbound ACH transfers PRIOR TO LOGGING INTO AN ACCOUNT OR EVEN OPENING AN ACCOUNT?. Telling me I can see it on the screen after logging and in and initiating the ACH transfer process is NOT ACCEPTABLE. I also will NOT accept the generic terminology in the Digital Service Agreement that say 'we can apply whatever fees we wish whenever we wish without advance notice '. 

I expect a proper answer this time, or for sanctions to be imposed on the bank for failure to properly disclose fees. 


I opened the account in response to a promotion that offered a {$250.00} bonus awarded to accounts that reached a balance of {$500.00} within 45 days of opening and remained there for a minimum of 60 days. I honored my deposit commitment on XX/XX/XXXX and will let the balance remain until at least XX/XX/XXXX to honor the time commitment. I expect that bonus to be applied no later than XX/XX/XXXX. Sometime after that, I will likely close my account due to the extremely poor management replies to this issue. 

If the bank prefers to pay that bonus early and close the account, I'll accept that decision, but such closure MUST show as by my request.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

Upon checking my credit report I noticed a fraudulent account. I have disputed this information with FTC.GOV. I also tried to resolve this issue with the creditor. Turns out nobody is replying to me. I need this Negative item out of my credit report. Its damaging my financial status and hurting my credit score. My relationship with other financial institutions will be terminated if this issue is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

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, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX.15 USC section 602 A. States I have a right to privacy. 15 USC section 1681 Section 604 A Section 2 : It also states a 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 USC 1681sw-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: Debt collection

told them I never lived at this address send them materials where I lived at the time and this must be identity theft
Product: Debt collection

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete this illegal account from my credit reports, thank you CFPB.
Product: Vehicle loan or lease

Ally Financial is reporting an account on my credit report that is inaccurate and inconsistent. The late payments are not correct and different across all three credit reports. I disputed it and they verified it and you can even tell with the attached screen shot, that they said account information disputed by consumer and meets FCRA requirements. But how can it be accurate when just for example, they are reporting me 30 days late on XX/XX/XXXX and 60 days late on XX/XX/XXXX & XX/XX/XXXX with XXXX and XXXX, but on XXXX they are reporting me 30 days late on XXXX XXXX and 60 days late on XX/XX/XXXX & XX/XX/XXXX. This is a violation of the FCRA and not in compliant with METRO 2 guidelines.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX - XXXX - {$270.00} XXXX XXXX XXXX - {$300.00} XXXX - XXXX - {$1400.00} XXXX - XXXX - {$300.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Vehicle loan or lease

Complaint Description : I am filing this complaint against Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX regarding the repeated and illegal repossession of my vehicle. The incidents occurred on XXXX separate occasions, with the last repossession happening on XX/XX/2024. Each of these actions was executed without adherence to legal requirements, such as providing proper notice and conducting the repossession in a manner that respects consumer rights. 

The repeated illegal repossessions have caused significant emotional distress and embarrassment, particularly due to the public manner in which Navy Federal Credit Union has conducted these actions. The distress is compounded by the fact that these incidents have happened multiple times, indicating a pattern of behavior that disregards consumer protection laws. 

Specific Allegations : Lack of Proper Notice : On each occasion, Navy Federal did not provide the legally required notice before repossessing the vehicle.

Public Embarrassment : The repossessions were conducted in a highly visible and embarrassing manner, contributing to emotional distress. 

Repeated Illegal Actions : The fact that this has occurred XXXX times demonstrates a disregard for legal procedures and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

There are fraudulent inquires and the credit buraus will not remove them. I can upload supporting documents
Product: Credit reporting or other personal consumer reports

I am attaching copys of major inaccuracies on my credit report XXXX XXXX should not be on my report I have documents stating that that specific account was closed due to fraud and I can verify to you it needs removed along with other accounts Im attaching they are over 9 years old and they are not mine and I do not have a XXXX  account nor did I ever that is false information and Im tired of the credit bureaus attacking me and they are lying about my on time payments to XXXX and to XXXX XXXX and I have proof that I pay these accounts on time they need to comply
Product: Credit reporting or other personal consumer reports

XXXX There is nothing erroneous about this account
Product: Money transfer, virtual currency, or money service

The company is Venmo. They HEAVILY advertise that they now support cryptocurrencies. They only give you the option to buy and sell. You are not allowed to transfer your holdings to another wallet, on or off their platform. 

What does this mean you might wonder? Internalization. I speculate they are not even making a purchase with your funds that is hitting the blockchain. There is no way to actively view ANY of your crypto transactions through Venmo as is possible with trusted crypto-based companies ( typically, you can see the different confirmations of your funds being transferred on trusted sites ), which further supports this hypothesis. In classical finance, we refer to this as a " Ponzi Scheme ''. Because it's cryptocurrency, it is heavily unregulated and confusing to the average American over the age of XXXX so they get away with it. 

My best guess is that they collect batches of orders through their customer base, and don't actually give you a genuine crypto currency wallet, as they very clearly are advertising to unsuspecting consumers. This would mean their " transaction fee '' is also a lie, and they're just taxing their consumers because it looks normal in relation to your average crypto based transactor today. Where are my network confirmations, Venmo? Can you show me those? Prove to me that you are actually making purchases on my behalf with the timestamps, my wallet address, amounts, etc. If this is not the case, why else are you not allowed to transact further than buy and sell, and how long will it be before you grifters turn off the Buy or Sell button when the crypto bubble pops in two weeks? Oh right, you guys don't care. Whatever it takes to survive one more day, right?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This is not my account. I tried to get them to adhere to the law. I was XXXX. This is identify theft and fraud.
Product: Credit card or prepaid card

I paid the full balance shown on my XXXX statement ; however, unbeknownst to me, was charged a {$2.00} Minimum Interest Charge Fee. I was subsequently charged a {$21.00} late fee for not paying the minimum interest charge, which again, I wasnt aware of. 

I called Comerica customer service on XX/XX/2020 to explain the situation and request a refund. The representative refused to refund either of the fees, and then asked me if Id like to close the credit card account. 

I ended up having to pay a {$21.00} fee for not paying a {$2.00} fee ( that again, I wasnt aware of ) and closed my account. 

This is a predatory practice that has likely affected hundredsif not thousandsof consumers who deserve refunds, particularly in light of the global epidemic and economic downturn.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my XXXX 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 alleged fraud or extortion.
Product: Credit card

On XX/XX/2023, I used my credit card for a cab in XXXX, XXXX and instead of being charged XXXX XXXX, I was charged {$960.00}. I called to report the overcharge within XXXX hours. The signature on the receipt is not mine. I have written statements describing what happened with supporting information. I have repeatedly contacted the fraud department who continues to tell me they are investigating even though 90 days had passed. They replaced the card citing fraud. This past week, the charge appeared on my card without any sort of notification.
Product: Payday loan, title loan, or personal loan

I took loan from Wells Fargo through XXXX XXXX XXXX. I bought the Furniture around {$4000.00} per Zero Interest rate for one year. I paid {$1700.00} for {$150.00} ( 11 Monthly payments ) and {$1500.00} total of {$3200.00}. I only have to paid {$770.00}. The problem is they charged me over {$1000.00} for interest rate on XX/XX/2018. I made my direct monthly payment through phone. But they misguide or mistakenly they made the minimum payments of {$150.00}. Now they charging me interest rate and I wasn't agreeing when I took the loan.
Product: Vehicle loan or lease

I have a Chrysler Capital loan. I recently had gone through some hardships were during a 4 month period From XX/XX/2019 to XX/XX/2019 was late twice. Unfortunately its making a big impact on my credit, my on time payment history is 98 %.
Product: Debt collection

I have disputed this account and have reached out to the company/creditors MANY times but failed and see no changes. This account is being reported inaccurately and incorrectly on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  XXXX to close this account. I paid balance and was assured that account is closed as of XX/XX/XXXX when statement closes. 

My Experian account is showing account as open with balance owing. I submitted first dispute which XXXX XXXX falsely claimed that account is still open as of XX/XX/XXXX. I submitted second dispute with Experian showing status of account, XXXX XXXX falsely and fraudulently verified account as open. Not only was it false, XXXX  XXXX under false pretenses backdated account status to XX/XX/XXXX in order to falsely report account as open as opposed to closed
Product: Student loan

I applied for SAVE program XX/XX/2023. My application showed as reviewed and completed by Nelnet, my loan servicer, as of XXXX XXXX. My account showed a balance of over {$700.00} due XX/XX/XXXX, while studentloans.gov showed {$590.00}. 

I called Nelnet XXXX XXXX. I had to wait through a hold of nearly two hours. A customer service representative informed me that the company is delayed in approving the SAVE applications and I should expect that I would be placed into an administrative forbearance again if the due date were reached and Nelnet had still not completed their review of the application. She confirmed that the amount should and would match studentloans.gov. The entire call took less than 5 minutes. 

By XX/XX/XXXX ( today ), my account showed a past due balance of the incorrect amount previously mentioned, and had now doubled as the same amount was now due for XXXX as well. 

I called Nelnet and again was placed on a hold of nearly two hours. The customer service rep who helped me this time again told me that the application had not been processed because Nelnet is behind. She informed me that my only options to avoid past due payments piling up and affecting my credit were paying the current balance or to be placed into a hardship forbearance which would be removed once the application is processed. I was informed the forbearance does not count toward my months paid as I work toward forgiveness under the Income Driven or SAVE plans, even though none of this is my fault and I would have paid the correct amount had Nelnet finished their review. I agreed to allow the Nelnet representative to place me into the hardship forbearance, as that was my only option because I can not afford to pay the due amount, which is now more than {$1500.00}.

Throughout this entire process I have never received any correspondence about my application from Nelnet, despite the original guarantee that I'd hear something within 5-10 days of when I applied as well as every 10 days following that. The representative said the company is aware of problems with this correspondence, but she could not provide me any information in writing to confirm.

I was also informed that once the application is reviewed by Nelnet, I'll be required to pay a {$5.00} fee to move my loans into the SAVE program, which seems outrageous considering I'm already paying hundreds of thousands of dollars and have had such a nightmare getting any communications from them about this move.