23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I applied for a joint checking account with my fianc. Shortly after applying, USAA sent me a letter asking for identity verification, which I promptly submitted. I never received a response from USAA after that either confirming that my identity had been verified nor asking for follow up information ... .but now when I try to log into my account, it tells me I am blocked. I have called customer service several times but no one is able to tell me what has happened or what I need to do to gain access to the account. My payroll direct deposit will be taking effect soon with my paycheck going into the new account and no way to access my money unless I ask my fianc to access it since it 's a joint account. Please help ... I have attached a copy of my ID to this complaint again.
Product: Debt collection

Today, XX/XX/scrub> 2025, I received anXX/XX/XXXXXX/XX/XXXX from an entity named " XXXX XXXX XXXX, XXXX ''. In that email, they stated " We are trying to collect a debt that you owe to Velocity Investments , LLC. We will use any information you give us to help collect the debt ''. Several violations stated, in their own words, within those statements. Stating " trying to collect a debt '' on behalf of any person or entity in the United States of America requires that you have a valid instrument of indebtedness with a wet signature on it in its original form, especially in the Commonwealth of Massachusetts. That instrument was never presented. Stating " you owe '' to any person or entity means that those words were chosen in a manner that are beyond the exclusion of any doubt ; violating my US Constitutional rights to be able to face my accuser ( The Sixth Amendment ) and my right to be innocent until proven guilty ( The Fifth Amendment ).
Product: Mortgage

My principal residence is located at XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. 
On XX/XX/XXXX I obtained a HELOC for {$100000.00} from XXXX XXXX XXXX XXXX XXXX. Subsequently the loan was transferred to GMAC Mortgage. As a result of the XXXX Mortgage Meltdown I proceeded to negotiate a settlement of this account with GMAC. On XX/XX/XXXX GMAC accepted a settlement of {$30000.00} for the satisfaction of this loan as referenced in the enclosed letter and copy of Check # XXXX ( Exhibit A ) for purchase of XXXX XXXX cashiers check. 
I was notified by my Title Agent that currently PHH Mortgage is the holder and servicer of the note for this HELOC and that there was no Satisfaction of Mortgage recorded for same. 
On XX/XX/XXXX I contacted PHH Mortgage and spoke to manager XXXX # XXXX and requested the Satisfaction of Mortgage. 
On XX/XX/XXXX I received via email a copy of the note and the mortgage but no satisfaction of mortgage. ( Exhibit B ) The note that was produced is in the name of XXXX XXXX  and as such does not have the required Transfer stamp or Alonge to PHH. PHH has no rights to this note yet they claim that there is no satisfaction on record and offer no means of resolution for same. 
As previously mentioned this loan was settled in full with GMAC on XX/XX/XXXX and I am entitled to the Satisfaction of same. 
Recent title search attached. ( Exhibit C ) Mortgage Electronic Registration System records. ( Exhibit D )
Product: Credit card or prepaid card

I was forcibly given a contactless card by Chase in XXXX without being notified or asked beforehand. I have had this card prior to the advent of this technology. Chase refuses to let me opt-out. 

They absurdly claim that the cards can not be accidentally charged, yet O had this very thing occur today. When I called they would not reverse the payment because it had not posted yet. I should not have to spend large amounts of my time to resolve small payment disputes that are the fault of irresponsible decisions on the part of my bank. 

It would adversely affect my credit to cancel this card, so I am stuck at the mercy of this completely unnecessary and ridiculous decision.
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 XXXX
Product: Vehicle loan or lease

KIA MTR FIN is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( XXXX ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( KIA MTR FIN XXXX )
Product: Mortgage

I have been sued by Citibank , N.A . to collect my personal credit cards debt. 
XXXX XXXX. : XXXX in the amount of {$8900.00} XXXX in the amount of {$7400.00} To pay off all of my personal credit cards debt, I was trying to refinance my home equity line of credit for consolidation. I applied it for several banks including Citibank N.A. but denied when my personal XXXX XXXX was good. My own property 's current market value could be {$750000.00} and XXXX mortgage balance {$310000.00} and XXXX home equity loan balance is {$31000.00}, so the home equity value could be {$400000.00} available. 

While the bank is not willing to provide any Home Equity Line of Credit, and rather than by forcing higher interest rate bearing financial products such as credit card and personal loan. 

Now, the bank wants to collect the balance that includes the accumulated higher interest on interest amount, past due amounts, court filing fee, court fee, attorney fee, etc. 

It was my fault using the credit cards that provide balance transfer with lower charge point and later on higher interest rate charged. If I obtained the home equity line of credit, it could not be happened.
Product: Credit card or prepaid card

I've been charged XXXX a month every month since XXXX of 2022 to XXXX XXXX XXXX  When I noticed all the charges I did a dispute with a cash app on these charges as invalid. I was denied. I did another dispute and provided proof that I had canceled this back in XXXX of 2022. I was again denied. At this point I don't know what else to do. This is the second complaint I have submitted to cfpb against cash app. I don't know what else to do at this point. They're actively aiding in fraud being committed on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report. I can give you the CFPB report number.I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report and correct all history and addresses DELETE XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX CORRECT and verify Payment history XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Bank UPDATE XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX ( only address ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are engaging in a scheme to keep a significant amount of the general public with bad credit so that they can receive more advertising and subscription revenue from high risk lenders. 

XXXX has provided me with 2 letters stating that they have deleted a bankruptcy that did not belong to me off of my credit reports. However, XXXX  took it to another level. They switched companies and had some company called XXXX to report a bankruptcy that does not exist. There is no information to the company that fraudulently verified the info. 

I'm attaching the newest letter received from XXXX substantiating my claim and It should not take 60 more days for the three major bureaus to willfully violate my rights again. If it's not settled and deleted in 15 days, I am going to sue all three bureaus and lay out the scheme and ask the for class action certification. 

I have ask for verification on all inquiries showing up on my credit report and I have received no correspondence. I only consented to the US government and XXXX XXXX XXXX. 

There are several companies such as XXXX  that can not be contacted, XXXX XXXX, XXXX  XXXX  and XXXXXXXX XXXX XXXX  that also should be deleted for unlawfully verifying entries that they know to be false.
Product: Credit card or prepaid card

I had a Chase Slate credit card for 12 years, 1 month ( opened XX/XX/XXXX ). I was in good standing and paid off the entire balance of the card. Last XX/XX/XXXX, the card was closed due to inactivity. I didn't realize this until XX/XX/XXXX. I called requesting to reopen the card but was told nothing could be done. In addition, they have this feature enabled on all Chase Cards, forcing me to have to keep constant use of all my Chase cards or run the risk of my cards being closed. This can severely destroy my credit score by ruining my average age of credit history.
Product: Checking or savings account

These are all charges charged at a gas station when I used my card for gas. I would be charged {$100.00} and sometimes {$120.00} and then the original charge for gas that I bought. XXXX XXXX XXXX  has done this from XXXX  to current with out my knowledge until I received the bank statement. I was never able to get into the bank online because my password was wrong. When I would try to update my password the system would tell me I was putting in the wrong information. This is the XXXX XXXX XXXX XXXXXXXX account. I will attach the documents because there are about XXXX charges that I am disputing. When I called to file the claim on these I got the run around for days. I had to go in to verify my self XXXX times in XXXX  month. I sat on the phone for literally hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed some unknown, unrecognized and unauthorized inquiries on my TransUnion, XXXX and XXXX consumer reports. On XX/XX/XXXX & XXXX XXXX, I informed TransUnion, XXXX and XXXX of the unauthorized use ( 15 USC 1602p ) on my report. I required TransUnion, XXXX and XXXX to provide me with actual proof of a wet signature and credit card ( 15 USC 1602l ) with it applying for credit from those companies that TransUnion, XXXX and XXXX are willingly and knowingly reporting false information on my consumer report. I required TransUnion, XXXX and XXXX to delete these items from my consumer report immediately. They are harmful and detrimental to my personal living mode as well as to my family. To date, TransUnion, XXXX and XXXX has yet to respond to the letter sent through the mail. I demand TransUnion, XXXX and XXXX to delete the unauthorized, unverifiable and unconfirmed inquiries on my consumer report. Refusing to delete these unauthorized inquiries without proof of authorized use will be a liability of willful noncompliance. Pursuant to section 616 ( a ) ( 1 ) ( A ( B ) of the Fair Credit Reporting Act. I demand that TransUnion, XXXX, and XXXX delete these inquiries from my consumer report or I shall seek monetary relief due to the harm and stress as a result of this false information TransUnion, XXXX and XXXX is reporting on my consumer report. TransUnion XXXX XXXX & XX/XX/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 I require you to delete these unknown, unrecognized and unauthorized inquiries and update my consumer report, and send me an updated report.
Product: Debt collection

International Collection Systems, Inc. of XXXX XXXX XXXX XXXX, AZ, has called repeatedly, sometimes XXXX times per day, and sent threatening letters to my address, as well as contacted my extended family in order to collect a debt. The language used over the phone was threatening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an dispute with TransUnion by mail over a charge from XXXX/XXXX. The company falsely claimed I had missed payments for several months. In their response to me TransUnion fixed the rating to ok however they did not restore my Credit Grade to the Excellent level it had been at prior to the incorrect claims of missed payments. I was able to successfully fix the error and restore my credit with the other two major credit agencies XXXX  and XXXX. 
Because the TransUnion online credit dispute does not work, I called TransUnion Monday XX/XX/2020. XXXX who I spoke with on the phone submitted a new dispute to address the failure to restore my credit rating. When I did not receive an email as he told me I would, I called TransUnion again Friday XXXX XXXX. XXXX was not able to provide me with a confirmation number or any written documentation that the dispute had been submitted to further investigate my credit ranking. They did provide me with a number to TransUnion online and the case number. I called the number and spoke with XXXX on XX/XX/2020. She however could not hear or understand me although XXXX had no issues when I spoke with him a few minutes earlier. Because I have no documentation, I am concerned that the dispute will not be addressed in a timely manner.
Product: Debt collection

XXXX XXXX XXXX IN XXXX ALIKE THE PERSON I GET CALLS FROM FIRST NAME BASES ONLY HER NAME IS XXXX THEY CALLED ME AT WORK MULTIPLE TIMES I ASKED THEM NOT TO CALL ME AND WORK AND THEY CONTINUE. THEY ALSO SAME DAY THEYOU CALL ME AT WORK AND THAN CALL ME ON MY CELL PHONE 3 TO 4 TIMES A DAY. I SENT A LETTER TO THEM FOR THEM NOT TO CONTACT, EMAIL AT MY JOB AND ON MY PHONE AND THEY CONTINUE TO DO SO. TODAY XXXX/XXXX/XXXX I TALK TO XXXX SHE SAID SHE IS A DEBT COLLECTOR AND THAT SHE CAN call ME 6 TIMES IN ONE DAY AND THAT IT 'S THE LAW. And that she has been a debt collector for 20 years. I told XXXX THAT CALL ME 6 TIMES A DAY IS HARASSMENT. SHE SAID IT 'S NOT AND THAT SHE WILL CONTINUE TO CALL AS SHE PLEASES
Product: Money transfer, virtual currency, or money service

The following transactions were made to a fraudulent entity called XXXX. See the attached XXXX report and the FTC report that I have filed for this. Attached are the wallet addresses and the amounts transferred on the respective dates Wallet Amount Date XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/ XXXX crypto.com failed to protect me as a consumer of their platform ; at one point I had asked when I was experiencing a delay in transacting whether the wallet that I was transferring to was fraudulent or not ( XX/XX/XXXX timeframe ) ; and instead just asked me to wait for another XXXX hours to conduct the transaction. I believe at that point instead of allowing the transaction to go through ; crypto.com should have stopped the transactions altogether. 

Also attached are the transaction ids associated with the above transactions
Product: Bank account or service

I previously have had an account with PNC Bank they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud they never once advised me it was closed for fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. They told me that the account was closed for a charged off balance. I am not disputing that I owe the bank but them saying its fraud when they did not once notify me of this and they are unwilling to correct this is an issue
Product: Mortgage

I started a loan application with Quicken Loans. I was pre-approved for up to $ XXXX. I submitted a few offers before coming to terms with a seller on a particular home. Quicken Loans sent me a breakdown of my estimated monthly payments, which was supposed to be $ XXXX/month. I  proceeded with the loan process and had everything completed in regards to my application up to that point. I went on to get an inspection and appraisal of the home. The inspection came back with aluminum wiring ( which needed to be replaced with copper ) in the home, which made it very hard to come within the homeowners insurance guidelines I had contingent upon in my offer. They then decided to switch my FHA over to a conventional, called me and lied to me saying that I would be getting " better financing ''. They knew that since problems arose with the inspection, they weren't able to use the FHA. Then, my monthly payments jumped up to $ XXXX/month and that doesn't even include the high homeowners quotes that I had received in regards to this home. I made the offer contingent on inspection, and insurance costs. I pulled my offer at that time. Quicken Loans then sent me a " denial letter '' based on the reasoning that I had an incomplete credit application, which couldn't be farther than the truth. I lost my earnest money, {$2000.00} because of the lies and unethical behavior from each and every person I spoke to in trying to resolve this issue. They went as far as ordering the appraisal, but when I pulled my offer they close me out due to incomplete application? That doesn't make a bit of sense. The very next day, my purchase banker opened up a whole new loan with a new approval letter. But yet, 24 hours prior, denied me due to incomplete application? Its not right what this company has done to me, I am a first time home buyer and I am completely traumatized.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries showing on my cresit report. According to the Fair Credit Reporr Act ( FCRA ), I expect these inquiries to be removed within 4 business days.

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On Monday XXXX XXXX XXXX I contacted COLUMBIA DEBT RECOVERY LLC DBA GENESIS on a recorded line, to set up a payment plan for the outstanding balance XXXX owed to a previous XXXX XXXX XXXX This was supposed to be paid off by XXXX XXXX but I have no update from them about assistance with this. I contacted Genesis to set up a payment plan as this is now affecting my credit and ability to find a new home. When I attempted to ask if I can begin the payment plan on a specific date, the representative XXXX XXXX began to get very confrontational and rude in his response. He told me that I had no room to make any decisions at this point. In the midst of this, he began to speak over me and scream that I need to pay. He also stated either youre going to pay us or were going to come after you. I simply informed him his demeanor was very unprofessional and he did not need to yell and be disrespectful in the way that he was presenting himself. This entire interaction was very uncomfortable from beginning to end, and when I asked to speak to another representative he stated in a very hostile manner that there was no one else to speak to. I called on my own regard to begin taking care of this debt, so for XXXX XXXX to be so combative and argumentative was completely unnecessary. I would like to see some type of action take place because this is completely unacceptable.
Product: Debt collection

I live in XXXX, Illinois and my sister XXXX who lives in XXXX, New Jersey received a certified letter ( on XX/XX/19 ) from XXXX XXXX XXXX stating that the law office of Pressler, Felt and Warshaw, LLP submitted a lawsuit to collect on a a credit card debt that was settled nearly 3 years ago, now. My sister scanned the info and sent the digital copy over to me to confirm all of the incorrect information in the lawsuit and the fact that it was sent to an address that I have never resided at, and where the debt was never originally carried. I made several attempts today ( XX/XX/19 ) to contact the law office to straighten this out and finally got through to the individual named in the lawsuit, and the individual that I spoke to, XXXX XXXX, told me that I must appear in court or pay the disputed amount. She even said, " don't XXXX call back here unless you are looking to settle your debt, you XXXX piece of XXXX! ". I know, words that you would not expect to hear from a professional law office. I then went to search their reputation on the web to see if I could find out more on them and this law office used to exist under a previous name and apparently has been sued for fraudulent debt collection practices. That is when I decided to file a complaint here. 

To reiterate, this debt was settled and created in XXXX where I reside. The lawsuit summons was sent to the address of my sister in XXXX, NJ. They are attempting to sue me in a place that I do not reside as a tactic to win a judgement against me for a debt satisfied in order to do further harm to me, my credit, and financial status. 

I do not have account numbers since the debt was cleared some time ago. Attached you will see their reference to that in the summons received by my sister. In addition I will attach my current driver 's license.
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. 

Account Name : XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX : Date Opened : XX/XX/XXXX Account Name : XXXX : Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX  : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX, XXXX. : Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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.