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

Account Name XXXX XXXX Account Number XXXX Account Type Collection Report Number : XXXX Date Generated : XX/XX/2019 My name is XXXX XXXX XXXX XXXX XXXX, SS # XXXX XXXX XXXX XXXX For more than 4 months i have been trying to explain to the investigation Department on the 3 Bureaus of Credit report That I NEVER EVER CONTACT THIS CO. FOR THIS ACCOUNT I DON'T EVEN KNOW WHATS THEY SAID I BOUGHT I DON'T KNOW THE CELLS PHONES NUMBERS IF IS THAT because it says XXXX XXXX, i never had those products they says i bought, i may be a victimize of ID thief, But They have done nothing just make me  waste my time for many hours waiting and months for a fair report. THE WORSE I NEVER FILE A BANKRUPTCY AND I HAVE THAT TOO. They DON'T FIGHT FOR MY RIGHTS I FEEL VERY FRUSTRATED ALSO MY CREDIT WENT DOWN BASIC IN A BIG FRAUD THAT ARE HAPPENING WITH XXXX XXXX THEY USED MY SS. TO GET 2 STUDENTS LOANS FROM XXXX XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX I NEVER EVER WENT TO CA. I DON'T STUDY NOTHING, I am XXXX years old I study 20 years ago, I don't even know what they said i am studying? THERE I DIDN'T CONTACT THEM NEITHER THEY CONTACT ME AND IT SHOWS I OWN 2 LOANS OF MORE THAN {$6000.00} this is killing me They shall have a Verification Dpm to check from where IP address that loan request came, XXXX? because IT IS NOT MINE AND NOONE HELP ME - I FEEL THE WORSE IN ALL MY LIFE I DON'T EVEN WANT TO KEEP WORKING I AM VERY SAD THEY DONT WORK, DONT DO NOTHING TO DEFENDING ME. It's very frustrated. XXXX DID HELPED ME INVESTIGATE AND ERASE IT, NOT THE REST, THANK YOU, SORRY BUT I WORK FOR 30 YEARS AND I FEEL LIKE I JUST GOT HERE AND HAVE NOTHING NOONE HELP ME I CAN'T GET NO BENEFITS NO RENT AN APARTMENT NO LOANS NOTHING, PLEASE HELP ME! XXXX.
Product: Student loan

Payments were never late, always been enrolled full-time in school or there has been a forbearance in place or a deferment. Also all loans have now been paid off and consolidated but they have reported several loans with either XXXX or XXXX missed payments and this is negatively affecting my credit and journey of repairing and rebuilding my credit.
Product: Checking or savings account

On XX/XX/2021 at XXXX XXXX  I deposited {$6200.00} into a Bank of America ATM at XXXX at XXXX XXXX XXXX California, The ATM machine gave me an error and told me to write in the amount of money I deposited and then it printed a slip with {$300.00} deposited into my account and saying that it apologize for the inconvenience and create an issue required that will be attached to your transaction. I have talk to the electronic claim associate but they have not solve my issue
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in the personal information associated with my credit report and to request an immediate update to my credit file. I have already submitted the required documents to XXXX, including a copy of my Social Security card, Drivers License, and other official documentation to correct my name and other personal information, as requested by XXXX. This documentation was also sent in relation to the account reported by XXXX XXXX XXXX. 

Despite submitting the required documents, my credit report has not been updated, and I am unable to obtain an accurate credit score due to these discrepancies. This issue directly impacts my ability to maintain accurate records and to assess my creditworthiness. Please see below for the relevant statutes and requirements for compliance : XXXX. XXXX XXXX Compliance Accuracy of Personal Information : Under XXXX XXXX compliance standards, credit reporting agencies and data furnishers are required to ensure the accuracy of all personal information reported, including name, Social Security number, date of birth, and address. The continued inaccuracies in my credit file violate these standards, as XXXX XXXX outlines specific procedures for verifying and correcting consumer data to ensure proper reporting. 

Failure to update my personal information based on the documentation I have already provided is a breach of the XXXX XXXX guidelines for accuracy and presents a significant barrier to my ability to obtain an accurate credit score.

2. Violation of 15 U.S.C. 1681e ( b ) Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The failure to update my personal information after submitting the correct documents violates this obligation under the FCRA. As my credit report contains inaccurate information, it does not reflect an accurate picture of my creditworthiness, which further delays my ability to obtain an updated credit score.

3. Request for Immediate Update of Personal Information and Credit Score : Given that I have already provided the required documentation, I request that you immediately update the following personal information on my credit report : Correct Name Correct Social Security Number Correct Address ( if applicable ) Additionally, I request that you provide an updated credit score once these corrections have been made, as the current inaccuracies prevent me from obtaining a valid and accurate credit score.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, it does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
Company : XXXX XXXX XXXX XXXX XXXX Amount : {$1400.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter.

Attached please find attached : Law Enforcement Report Proof of identity Copy of Credit Report Fair Credit Reporting Act Section 605B ( PDF )
Product: Money transfer, virtual currency, or money service

My account was disabled/locked on Coinbase. 

I did a couple of transactions in the past and everything was fine. 

The problem I had today ( XXXX of XX/XX/XXXX) was the first time I was facing a account block. 

I bought approx 1.16 ETH ( round about 750 EUR ) After that the ETH was added to my Coinbase wallet. So far so good. 
After that I have tried to transfer my 1.16 ETH to my ETH wallet adress ( external Wallet ) and I did the withdrawl on Coinbase. 
After that I got an Email which says that the transfer is delayed and will take 72 hours. After that I have used the Coinbase option to accelarate the transfer by uploading my ID, Passport and a selfie of me. And thats what I did exactly. 
After that my account was disabled. 

No response from Coinbase at all. On the phone they told me that they dont know why my account was disabled ... But I got an case number -> # XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I opened this account as I wanted to leverage the 0 % interest purchase/balance transfer offe being extended until XX/XX/XXXX. Initial credit line was approved for {$4700.00}. Used $ XXXX of that for balance transfers. Paid more than minimum & on time every month. Out of nowhere credit limit was reduced to {$2200.00} which means my overall utilization will be around 90 % instead of 40 % which will negatively impact my credit score. I spoke to First Bank Card twice ( XX/XX/XXXX and XX/XX/XXXX ) and explained this and also that none of my other credit card companies have taken this step which tells me this was a decision First Bank Card made on their own ( an escalations rep admitted as much when he called me back ). This is wrong on so many levels. I asked the company if we could come to any sort or compromise such as leaving my limit at XXXX for now then when I pay off byXX/XX/XXXX then reduce limit to {$2200.00} after that time. I also suggested they make the available credit " frozen '' ( my current balance minus {$4700.00} ) so it  can not be used as I had no intention of using it anyhow but have {$4700.00} reported to credit bureaus as my limit solely to help protect my credit score my reflecting a better credit utilization percentage. But they again said they would do nothing. If nothing is doneI will be paying this account off asap and they will not get a dime of money from me after that. As I explained to First Bank Card. If I would've known my limit was going to be reduced to {$2200.00} I would've simply capped my balance transfers to $ XXXX-XXXX  tops. This was a bait and switch and now my credit score is going to be negatively impacted at no fault of my own. This is wrong on so may levels. Please hold First Bank Card accountable for their unethical business practices and assist me with getting a resolution. Thank you.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX  XXXX, CA XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts and addresses from my credit file. While checking my credit report, I noticed an account I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that Experian has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. 
Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.

FRAUDULENT ACCOUNTS! 
XXXX XXXX Balance : - Balance updated : - Credit limit : {$2000.00} Account number : XXXX Open/closed : Closed Date Opened : XX/XX/XXXX Account type : Credit Card FRAUDULENT ADDRESSES! 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX, IA XXXX : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act ( FCRA ) Dear CFPB, I am writing to formally lodge a complaint against Experian, a consumer reporting agency that has egregiously violated the Fair Credit Reporting Act ( FCRA ) concerning my consumer report. On XX/XX/2025, I reviewed my Experian credit report and discovered that XXXX accountsXXXX and XXXXhave been inexplicably deleted, despite being verified as accurate. This deletion has severely crippled my credit history and financial standing. 

Experian 's actions are not only unjust but also unlawful under 15 U.S.C. 1681, which mandates that consumer reporting agencies must ensure the accuracy and integrity of the information they report. The FCRA clearly outlines the rights of consumers and the obligations of reporting agencies, including the requirement to follow reasonable procedures to ensure the accuracy of consumer reports. 

I have not provided any written consent for Experian to access my credit report, nor have I authorized the deletion of any accounts. The indiscriminate removal of these verified accounts constitutes a significant breach of my rights as a consumer and a violation of Section 607 ( b ) of the FCRA. 

I demand that the CFPB take immediate corrective action against Experian to rectify this situation. Specifically, I request that the missing accounts be reinstated on my credit report without delay. Failure to address this matter promptly will leave me with no choice but to pursue legal action against Experian for their blatant disregard for the law and my consumer rights. 

I have attached relevant screenshots and documentation that support my claims. I expect to hear back from you regarding the actions taken on my complaint. 

Thank you for your attention to this serious matter. 

Sincerely,
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I noticed there was a loan on my credit report that I did not apply for. I found out a relative had cashed a unsolicited check that came in the mail from Regional Finance Company. I contacted the branch to find out how much the loan was for, when was it opened and how, when I never applied, signed, etc. They told me the problem was with the bank who cashed the check. I have no idea who that bank would be, since it wasn't my bank. After hanging up with the branch of Regional Finance to reach out to the supervisor, I get an alert that they ran a hard inquiry on my credit. I was not calling them for anything to do with my credit, as I was calling to inquire only on a loan that was already in my name.
Product: Vehicle loan or lease

I refianceed my car and they put late payments at the end
Product: Checking or savings account

Incorrectly fees and over draft fees Had multiple fraud issues Inccorectly adding mortgage application
Product: Mortgage

My XX/XX/2021 mortgage payment was 2 weeks late and I paid it on XX/XX/2021 together with a late fee and I included XX/XX/2021 payment as well. Axos maintains that it was paid, for some reason put it a separate account and advised me that they would take care of it and mark it paid. Instead, I received a foreclosure notice, and another bill this month showing that the mortgage was not paid. My credit score dropped XXXX points and continues to spiral downward because they refuse to acknowledge the payment. I called repeatedly and am assured I would receive an email by the end of the business day that they notified and corrected the information wrongly sent to the credit agencies to no avail. I have the receipt that payment was made to Axos from my bank on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a auto loan with PNC bank. I was in a accident and the car was a total lost. At the time this happened COVID was affecting every life in the US. Do to COVID Im being affected with Pnc bank because the insurance took 2-3 months to pay the bank off and this is being reported on my credit report as 90 day past due when it wasnt my fault.

I have never been late Ive made my payment on time the only item affecting my credit is from Pnc bank and needs to be permanently remove this information is not correct and I should not be held accountable for this.

I demand this items is remove from all 3 credit.
Product: Debt collection

Contacted me on XX/XX/XXXX and I told them I will contact the Dr office and pay them directly. XXXX told me that even if I paid the Dr she was still going to file the {$30.00} bill on my credit. I told her at that time not to call me that if her office needed to contact me they can so that by mail going foward. She then told me she had another bill from a service XX/XX/XXXX. I told her she ca n't wait 5 years to contact me about a bill, that she had 3 years to make that bill known. XXXX said no she can wait 7 years. She then hung up on me. I then contacted both offices and the XX/XX/XXXX office said they should n't have waited 5 years and she did n't have the records of my bill anymore, but she will call me back. I never ears back from her. The XXXX office I left the office manager a message explaining how the company they contracted to represent them was operating and I want to pay the {$30.00} to her office. I 'm waiting on a call back. Since I made it clear to Merchants to contact me by mail, I had 2 hang up calls when I try to answer on XX/XX/XXXX and then I had a call today from XXXX XXXX XX/XX/XXXX I told him that I have notice for his company to only contact me by mail he lead into telling to just pay the bill in a rude way as if talking down to a child. I told him I 'll take care of it with he XXXX XXXX and he kept talking down to me. I cut him off and told him to contact me by mail not by phone anymore. He of course wanted to carry on a verbal battle. I was also recorded without my permission. XXXX made the comment that she can play back our conversation. I told her that I did n't give her permission to record nor did she ask for my permission or let it be known she was recording.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to you asking that you remove incorrect person information that I don't want on my credit report. According to the fair credit reporting act 12 USC 1681, I have the right to privacy.

Also, according to the USC 6802, No financial institution isn't suppose to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Product: Debt collection

Santander has this charge off listed on my credit report. I called numerous of times requesting a copy of a 1099 C. I get no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit card

To Whom It May Concern at Chase Bank, I am writing in response to your latest communication, which I find wholly unsatisfactory and indicative of a continued lack of understanding and responsibility regarding the serious issue at hand. Your response is nothing short of a regurgitation of previous, ineffectual answers that have done nothing to rectify the ongoing problems with my account, specifically the incorrect handling of my email addresses. 

Your assertion that the matter has been handled is not only incorrect but also insulting given the evidence I have repeatedly provided showing the contrary. The issue is straightforward : you have failed to correctly update and manage my email addresses despite numerous documented requests from my end to correct this error. 

Point-by-Point Rebuttal and Demands : 1. Incorrect Email on Record : The email address XXXX is not the address I have instructed you to update to. This mistake has persisted for over two years, affecting my ability to receive critical account statements and communications. This is unacceptable and must be corrected immediately. 
2. Mismanagement of Email Preferences : Your direction to handle updates through self-service or calling business services is a deflection of responsibility. It is your duty to ensure customer data is accurate and handled appropriately without passing the burden of correction back to the customer. 
3. Recording of Calls : Your policy on recording calls does not excuse the fact that you have denied me the right to record my own calls for legal purposes, thus hindering my ability to safeguard my interests in interactions with your representatives. This is unacceptable and needs to be addressed to ensure fairness and transparency in all communications. 
4. Privacy Concerns : Your assertion that there is no privacy violation is questionable and not for you to determine unilaterally. My rights to privacy and accurate handling of my personal information are paramount, and your failure to acknowledge these concerns only intensifies my distrust in your operations. 
5. Customer Service : Your claim to aim for exceptional service is contradicted by your actions. Apologies are meaningless without substantive action to resolve the issues at hand. 

Immediate Actions Required : Direct Intervention by a Senior Manager : I demand that a senior manager contacts me via email directly with the authority to resolve these issues. I require written confirmation of all changes made. 
Immediate Correction of Email Addresses : The correct email address, as specified above, must be updated immediately across all profiles and communications. 
Formal Apology and Rectification Plan : A formal written apology for the ongoing issues and a detailed plan on how you intend to rectify this situation permanently. 

Failure to meet these demands will result in further action from my side, including but not limited to legal recourse and escalating the complaint to higher regulatory authorities. 

I expect a response within 48 hours with a resolution plan. Further generic responses will not be tolerated and will only exacerbate the situation. 

Sincerely,