23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Contrary to assurances from a representative, my vehicle was repossessed after I established a payment plan and confirmed the arrangement. The representative verified that my payment that day was sufficient and promised that repossession would not occur. Despite this, my car was repossessed, causing severe financial hardship and job loss. When I recovered my vehicle months later, I was faced with unwarranted late fees. Near completion of payments, ( one or two till my car was completely paid off ) they refused acceptance, and are now another unjustified repossession. 

Date of repossession : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am a victim of human trafficking I am notifying all consumer reporting agencies these accounts XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX has been altered fraudulent transactions has been done.
Product: Credit reporting or other personal consumer reports

I have made eleven phone calls to try and get this matter resolved. XXXX reported me late to Transunion for XX/XX/2023. This action caused my credit score to drop XXXX points. I have never been late on any payment with any creditor for over twelve years. 

Apparently, the problem started when after four years my minimum payment amount increased. Because it had been the same amount over all the years, I did not notice it had changed. That part is my fault. However, immediately-within the same month I made a second payment to bring my account current. Because I made the two payments in XXXX, XXXX has my account as current and in good standing with their company. 

I first disputed this with Transunion when I lost the XXXX points of my score. After the dispute, Transunion gave me back most of my lost XXXX points. However, XXXX randomly informed Transunion AGAIN that my XXXX payment was late, which by the middle of XXXX it could clearly be shown through all records that nothing had changed in a negative way regarding my payments yet XXXX reported the XXXX payment late again. 

After talking to more than eleven customer service representatives, no on will help me. I've been hung up on twice when asking for a supervisor. I was told my a very kind rep that she could see the error on her end and she would correct it immediately following our phone call. That never happened. I've been told to mail in my dispute to XXXX. I have. Six weeks ago. I have still not heard back. 

I have been a loyal customer for four years. This is how XXXX chooses to treat me. I just want my credit score back to where it was before XXXX caused such a nightmare for me. Also, I am in process of a background check with the California Bar to make sure I am worthy of sitting for the Bar Exam here in California. They check everything, including credit. Because of XXXXXXXX XXXX refusal to help me to make their error right, I am completely in fear that this will be a negative mark will hurt me with the State Bar. Please, please help me. Thank you and God Bless.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> my mom and I finalized the sale of our townhome condo. I was the primary payer of the mortgage and handled all dealings over the phone with Wells Fargo Mortgage. However, although I was listed as a co-owner of this townhome condo with Wells Fargo Mortgage I received XXXX credit for the sell and balance pay off. This hindered me greatly financially for years. I reached out to Wells Fargo Mortgage via phone and they informed me that there was nothing that they could do to correct at that time. 

Due to Wells Fargo negligence, in not reporting the mortgage payoff my credit score only improved slightly when I paid off my credit cards with the proceeds of the sale. I will need XXXX, XXXX, and XXXX to all update and boost my credit score as well.
Product: Checking or savings account

On XX/XX/2022, I realized that I my social security number may have been compromised. I contacted Citi and requested help or information about additional steps I could take to protect my accounts. I was told I had nothing to worry about. On XX/XX/2022 there was an unauthorized EFT from my checking account ending in XXXX in the amount of of {$5000.00}. 

Citi refused then and refuses now to protect me in violation of CFPB Regulation E. I have submitted copious evidence to Citi bank proving that this EFT was unauthorized. Citi has ignored my submissions. I was also told that my case, no. XXXX, was still open on appeal, but calls to customer service today revealed that it is marked as " denied and closed. '' Furthermore, Citi carelessly allowed ongoing ( legitimate ) debits to said account after I had repeatedly been assured that it was " frozen '' to protect my funds. 

I also notified the recipient bank, XXXX, that the unauthorized EFT went into an account at its bank and it has refused to acknowledge my complaint and request for action. Thus, XXXX is allowing its institution to perpetuate crimes, as I am sure I am not the only person the perpetrator has targeted.
Product: Checking or savings account

On XX/XX/2017, I opened a XXXX XXXX XXXX checking account with a promotion of {$200.00} for meeting certain qualifying terms. They included a Direct Deposit of {$500.00} OR 10 debit card transactions within 60 days. I met both of these qualifications on XX/XX/17 with 10 debit card transactions in addition to a XXXX XXXX of {$500.00} on XX/XX/17. 

I spoke with XXXX XXXX, a representative who initially opened my account after Union Bank initially opened/closed my account in XX/XX/2017. XXXX XXXX informed me that the account was fully open on XX/XX/2017, that the promotion was indeed tied to the account, and if I met the qualification terms ( Direct Deposit, or 10 debit card transactions ) that I would receive the {$200.00} bonus. 

On Wednesday, XX/XX/XXXX, I contacted the office of the president ( XXXX ) to follow up on this promotion and why it had not been granted to me. 

Unfortunately, XXXX informed that because the account was " CLOSED '' I would not receive the promotional bonus. I then stated the obvious, that the account had continuous activity, and that the account actually had a {$25.00} balance. How can the account be " CLOSED '' if there is a current balance!? 

XXXX then informed me that the terms state the bonus would not be applied if the account is not open and not in good standing. 

I challenge Union Bank to prove that this account was not open and " not in good standing ''. I did not receive disclosure that the account was ever closed or inactive. If Union Bank 's motivation is to exclude the payout to accounts with zero balances, it should state so in its terms and conditions with something as simple as " Account must have a positive balance at time of payout ''. 

I believe this is completely unjust and unfair considering the circumstances and how often the account displayed activity. At no point was the account " CLOSED '' or " INACTIVE '' as XXXX states. This is an obvious breach of terms considering the way your terms and conditions is worded, and I fully commit to pursuing the {$200.00} for the sake of principle and as a testament to the importance of customer service and transparecy in banking. Especially when it comes to terms and conditions. 

The only resolution would be to grant the {$200.00} promotional bonus as promised in the terms and conditions. At no point was the account " inactive '', " closed '', or " not in good standing ''. These are subjective terms and an account with a zero balance does not necessarily determine inactivity, closure, or good standing. 

Attached are my Union Bank statements, which clearly show the required transactions and qualifications being met per the terms and conditions. In no statement cycle was my account inactive or not in good standing. And no point was my account determined to be " closed ''.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections Credence resource Management {$620.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received an email communication XX/XX/year> at XXXXXXXX XXXX from JP Morgan Chase advising my account was negative in the amount of $ XXXX. It specified XXXX withdrawals were made in the amount of {$1500.00}. I immediately notified Chase regarding this matter. Chase indicated someone put a fraudulent check into my account, they advised it was a systematic error and would be rectified and that not only myself was impacted but others as well. I then was advised a real time transfer was done XX/XX/year> and Chase didn't take the funds. 3 months later, with no phone, email and written communication, Chase deducted {$3100.00} from my personal checking account without my consent or authorization. This is unethical to say the least and bad business practices. As a consumer, I am trusting JP Morgan Chase to manage my account accordingly and ethical. Which they have failed me. This is absolutely ludicrous that my financial institution would make any sort of big error like this that has negatively impacted me. The transaction is obsolete. Technical glitches, system errors, or software malfunctions within the banking infrastructure has nothing to do with me as a consumer as I am doing business with them. It is illegal for Chase to seize money from my account randomly with no communication and without my consent. Chase didnt have a right to offset without my consent or permission, illegal. On XX/XX/year>, they decided to XXXX XXXXXXXX of the transactions in the amount of {$1500.00} and refusing to correct the other as it was their error. I have been unable to get a resolution and the account is still in a negative status. 

Total Withdrawals {$3100.00} XXXX {$1500.00} XXXX {$1500.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill is 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 ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where 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 Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, which has led to the inclusion of multiple fraudulent entries on my credit report without my knowledge or consent. Unauthorized accounts and inquiries have been added to my report, none of which I have authorized. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have already reported this identity theft to the Federal Trade Commission ( FTC ) and now request the immediate removal of these fraudulent items to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  XXXX {$840.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian, XXXX and XXXX to dispute the validity of the accounts showing up on my credit reports. I sent multiple notarized letters to all three agencies. I explained in these letters that I have never done any business or received any service from the collections company listed on my credit report.
Product: Credit card or prepaid card

In XXXX, I received a $ XXXX personal loan from USAA that offered a low interest loan to new XXXX XXXX. I paid on time every month however got behind around XX/XX/XXXX however still made small payments ( less than monthly minimum of about {$450.00} ). Without warning or negotiation, my loan was closed or charged off with an approximate balance of $ XXXX in XX/XX/XXXX. I communicated with the collection company USAA has sold my loan to and have made a couple payments. 

My issue is, I had an XXXX card with a $ XXXX limit, {$500.00} balance as of XX/XX/XXXX, also with USAA ; including countless other accounts such as multiple checking, savings, auto insurance, and stocks. I have also paid the XXXX card on time, and was about to pay off in full as I was attempting to clean up my credit. 

XX/XX/XXXX, I discovered USAA had used the Service members Civil Relief Act ( SCRA ) to " credit '' the remaining ~ {$500.00} balance and close the XXXX credit card! Mind you, I have been in the military the entire duration of the utilization of the card and that was never offered to me or explained. When speaking to multiple reps on the phone of USAA, I was told, my XXXX credit card was closed because it was a " business decision '' based on my loan that had recently closed - even though I was never late on that credit card. The USAA representative told me there were forms sent to my account inbox stating the closure of each account. I never received any of those documents. 

I am a fan of USAA and have been a member for close to 10 years. I am attempting to rebuild my credit and can not afford another negative account. I Please help!
Product: Vehicle loan or lease

I purchased a new vehicle ( XXXX XXXX XXXX XXXX ) on XXXX XX/XX/XXXX from a dealership in FL. They selected Capital One Auto Finance, XXXX XXXX XXXX, XXXX, TX XXXX to partially fund my vehicle. I reside in NC. On XXXX XX/XX/XXXX, the loan was paid in full and Capital One sent me a " Lien Satisfied '' letter directing me to the NC DMV to acquire a " lien free title. '' I immediately went to the NC DMV and was told a " Lien Release '' was not good enough that they required Capital One Auto Finance to release the lien " electronically '' so on their computer it would show up as the lien being released and then would issue me a clear title. I relayed that to Capital One Auto Finance and only received another Lien Release letter dated XXXX XX/XX/XXXX. Went to the NC DMV with that letter and got the same response as the first time. Telling me all we ( or I ) could do was wait for Capital One to fulfill their obligation. I sent an unanswered letter to Capital One on XXXX XX/XX/XXXX. Called Capital One again on XXXX. to see if electronic notification had been sent. Called again on XX/XX/XXXX. All phone calls to the Capital One Title Department received nothing but false promises. Continued to search to find avenues to resolve my issue. On XX/XX/XXXX, filed complaint with XXXX ; on XX/XX/XXXX, filed complaint with TX AG. Recently I have found a form MVR-4 to file with NC DMV to acquire a copy of my title since " original was never received ''. However, a portion of the form is Titled Affidavit of First Lien Holder which needs to be completed by Capital One and notarized but I'm afraid if I sent it to them it may find it's way to the same place my original letter did. Any assistance in resolving this issue for me ( and I understand ) others would be greatly appreciated. Right now I feel like I'm on a merry-go-round between Capital One & NC DMV with no clear title in sight.
Product: Credit reporting or other personal consumer reports

I have Check my credit report and all 3 credit bureau are showing different information, close accounts the are close and open on the 3 credit bureau that its not matching.
Product: Credit reporting or other personal consumer reports

I took out a loan in XX/XX/2023, The loan is showing up on other reports and for id verification, which verifies it is part of public record. The lending company has submitted my documents 4 times to the reporting agencies, with my payment updates but I have yet to see the loan reflected on my reports. I have now paid off my loan and still no reflection on my reports. Experian credit agency is under fire for not reporting the report May u please investigate this problem & take matters of making sure this reports please thanks. I have uploaded all the files. By law you must have this report reported on my records
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Annexed herein EXHIBIT A is the response from  XXXX   XXXX   XXXX  (  XXXX   )  on   XX/XX/XXXX  to  a CFPB complaint relating to  XXXX  account starting in #  XXXX  ... an account number reported on AL L (   XXXX  ) credit reporting agencies. In   XXXX    response to this CFPB complaint, it references an account amount of {$640.00}. As such,   XXXX    XXXX  account number starting in #  XXXX  on the credit report and  XXXX  account amount of {$640.00} are linked an d one in  the same, and should be treated as such by the credit reporting agency.   The FCRA requires you to verify the validity of this item within 30 days. If the validity can not be verified, the law obligates you to remove the item as soon as is possible. In this case, it is plain and clear by the response from  XXXX  that  XXXX  account starting in #  XXXX  MUST be removed from my credit report.      2.  Annexed herein EXHIBIT B is the response from  XXXX   XXXX   XXXX  (  XXXX   )  on   XX/XX/XXXX  to  a CFPB complaint relating to  XXXX  account starting in #  XXXX  ... an account number reported on AL L (   XXXX  ) credit reporting agencies. In  XXXX  response to this CFPB complaint, it references  XXXX  account ending in  XXXX . As such,   XXXX    XXXX  account numbers starting in #  XXXX  on the credit report and  XXXX  account ending in  XXXX  are linked an d one in th e same, and should be treated as such by the credit reporting agency.   The FCRA requires you to verify the validity of this item within 30 days. If the validity can not be verified, the law obligates you to remove the item as soon as is possible. In this case, it is plain and clear by the response from  XXXX  that  XXXX  account starting in #  XXXX  MUST be removed from my credit report.     PLEASE NOTE : In addition,  XXXX / XXXX  and/or others continue to report completely made-up names and addresses on my credit report. I lived at the same address since   XX/XX/XXXX   ( almost  20-years  ), refinanced on   XX/XX/XXXX  as  shown on my credit report at  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , NY  XXXX  as recorded by  XXXX   XXXX  account starting in #  XXXX  where I continue to make monthly payments on-time all reported with exception that I live in  XXXX   XXXX  of a  XXXX  -family dw elling under my FULL legal name  XXXX   XXXX , all the same exact information provided in my CFPB complaints.     The incorrect or erroneous names reported that should be removed are as follows :  (  Equifax Confirmation #  XXXX , Date Issued :   XX/XX/XXXX  )    XXXX   XXXX  The incorrect or erroneous addresses reported that should be removed are as follow s : (  Equifax Confirmation #  XXXX , Date Issued :   XX/XX/XXXX  )   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX  Further, the Florida address should be removed, since I only vacation there from time to time but not at this address ; I have no residence in Florida :  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , FL  XXXX
Product: Credit card or prepaid card

I just recieved a new credit card today (XX/XX/2021 ) from Bank of America. I did NOT apply for a credit card and I have no banking relationship with this bank. I tried calling, but it is near impossible to get a person that can help. ( no problem if you want to make a payment ) This is upsetting in that my credit score can be affected by another credit card with a credit line of {$16000.00}. 

Again, I did not apply for this card.
Product: Credit card

I am entitled to have my interest rate reduced on my accounts to 6 % per Louisiana statute 29:312.