23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : Formal Complaint Regarding Illegally Opened Credit Card and Unresolved Payment Issues Dear XXXX XXXX XXXXXXXX XXXX XXXXd Department, I am writing to formally express my concerns and dissatisfaction regarding a credit card account that was illegally opened in someone elses name, with my social security and credit attached to it, without my authorization. Despite my repeated efforts to address this matter, XXXX has failed to take appropriate corrective action. I have made numerous attempts to resolve this issue since XX/XX/2024, but my concerns remain unaddressed. 

First, I made a payment of {$1100.00} towards the balance on the card, and XXXX has failed to apply this payment to the account. Despite providing proof of this payment, the credit has not been reflected, and the outstanding balance remains unchanged. 

Furthermore, XXXX has failed to remove charges from the account that I did not make. On multiple occasions, I have requested proof of the charges made to this card, including those that XXXX alleges I have made, but no such proof has been provided. The lack of transparency and refusal to supply this documentation is deeply concerning. 

In addition, despite providing proof of my payment, XXXX continues to disregard it and has refused to credit the account. The refusal to correct this error, despite clear evidence, is unacceptable. 

I have had numerous telephone conversations with XXXX representatives since XX/XX/2024, and during these calls, I have repeatedly requested adjustments to correct the errors on the account. Despite these efforts, XXXX has refused to make the necessary changes. 

As a result of XXXX refusal to resolve this matter, I have been subjected to numerous late fees and interest charges, which have been unfairly added to the account. These unjustified fees, combined with the unresolved issues, have had adverse effects on my credit score and reports, causing significant harm to my financial standing. 

I urge XXXX to immediately investigate this matter, remove the fraudulent charges, apply my payment to the account, and reverse the late fees and interest charges that have been unfairly added. Failure to resolve this issue will leave me with no choice but to escalate this matter to the relevant regulatory authorities. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX my account number with Credit Acceptance is XXXX Credit acceptance executed an illegal repo on my XXXX XXXX. My husband is currently XXXX in XXXX. Credit acceptance violated the SCRA I notified credit acceptance of our military status. I also provided documentation regarding my identity theft. The identity theft was do devastating, that XXXX XXXX XXXX had to get involved to help me establish a new identity. I need my car back immediately this has caused further financial strain. Unfortunately i have been unable to go to work due to the repossession.
Product: Vehicle loan or lease

I put XXXX down on a XXXX vehicle 3 weeks ago and they will not give me my full down payment back. They took my car without warning a few days ago. The manager refused to take my car payment. It was less than 24 hours since the payment was due. The so called manager said she closed my account because she said she did n't like my attitude and wanted her car back. The finance company is very rude and unprofessional. XXXX and XXXX do not have any type of integrity or heart for human beings. Nice cars, but the company that owns them are something else. I told them I was an identity theft victim and XXXX told me that was my fault. I was Called a liar. I kept getting cut off and told over and over they do n't care. They are so heartless. This is the worst decision I have ever made. They give a 0 day grace period no matter the situation. I have never been treated The way I was by a company this past weekend. I fell into tears. Carplex needs a new bank to work with before they lose all of their good customers. Run from this bank!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 States I have the rights 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 mt written instructions.

15 U.S.C 1666B : A creditor may not treat a payment an a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report.leaving inaccurate or unverifiable accounts unresolve. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to 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 corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I submitted a letter to opt out of arbitration letter along with my personal information. As a consumer I believe it is my right to opt out. By opting out, I have a right to pursue legal matters if Experian does not obey Federal law. 

On XX/XX/2022, Experian responded by declining my request to opt out of arbitration. This a violation of my personal rights. 


As a consumer, I have the right of privacy and sue for any damages that XXXX cause me from living a life of intergrity. I believe my rights was violated based on the decision on Experian made to refuse my request of opting out of arbitration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am in the process of refinancing the mortgage loan. The mortgage loan officer is not able to pull up a credit report from Experian. My name changed in 2013 and Experian is the only credit union that refuses to change the name. I have filed a dispute with them and called their help desk numbers. They are unable to help and at some point in time they are rude and they cut the call. First in 2013 they refused to change the name saying their system is not allowing them to change my first because it is invalid and this time around they give a reason saying my first name is too short. Understandably Experian doesn't want to give anything in writing I will need this resolved ASAP as I need my mortgage to be processed. Can someone help please?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I contacted Through the XX/XX/XXXX, XXXX XXXX, XXXX ( All 3 same company 3 different accounts numbers ) about verifying my signatures and ownership on all 3 accounts. They have been reporting to my credit bureaus negative information. I have tried to dispute with credit reporting agency 's and they keep saying verified. Yet, I see no proof these accounts were mine. Therefore, I directly contacted the companies 45 days ago asking for signatures and proof. I have not received anything back from the company. The date was XX/XX/2020 on the letter and they received it on XXXX XXXX. I will attach a tracking number and delivery conformation. Below is the letter I sent. 
Thank you- XXXX XXXX Through the XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX, XX/XX/XXXX XXXX XX/XX/2020 To Whom It May Concern, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Through theXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX. XXXX Thank you for your prompt assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$400.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ACCOUNT # XXXX 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 REPOTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

I have sent two letters to the company Medical Revenue service asking them to validate the debt the information ask regarding the debt. I ask for proof showing where I authorize/ or gave them my signature authorizing them to sell or forward my information ( Creditor ) XXXX XXXX XXXX XXXX to Medical Revenue Service XXXX
Product: Money transfer, virtual currency, or money service

People are so arrogant and so XXXX XXXX that you dont even realize none of those XXXX transactions were me. They were done recurring charges that Ive been fighting which Ive called you folks about. Secondly, would you guys froze my account I called you guys immediately and let you know this situation Was trying to transfer out of the folks folks which is a recorded call Im sure told me to send it to my XXXX account and I would be able to transfer it from there so thats why I did that so dont use the instructions that I was given from you guys as an excuses to why you lock my money up until 14 days later and now 14 days later, I tried to transfer the money out of the account into a different account and you guys locked it again today and I had to send my selfie along with my ID ID so you tell me why over and over and over again the same XXXX account that Im clearing is mine and sending proof of you guys keep blocking it every single time I try to send money out except where you tell me to send it to XXXX XXXX which is also owned by Venmo so I sent it to XXXX as instructed and then you guys flagged me for that saying oh you cant be doing that you guys are your XXXX mind I want my money out of my account and I want this account closed for good Ive use Venmo Free years years and Ive never had a problem. All of a sudden you guys are acting like XXXX XXXX and Im tired of it. I want my money unlocked and I want my account closed. You guys froze me up again today the same money, the same Ive been waiting for for XXXX XXXX weeks. I spent two nights sleeping in my car till a family member was able to send me money its XXXX XXXX you and your XXXX service ill stick with chime
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : On XX/XX/XXXX, I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to postal service issues : In XXXX and XX/XX/XXXX, I mailed my payments well in advance, but due to delays with the postal service, the payments arrived late. This delay was beyond my control, and the payments should not have been marked as late, as I acted in good faith to ensure timely payment.

Payment made within the 15-day grace period : Despite the postal delay, my payments for XXXX and XX/XX/XXXX were received and processed within XXXXXXXX XXXX 15-day grace period. As such, this account should not have been reported as 30 days late. 
XXXX Already Removed the Account : After reviewing my dispute, XXXX has already removed the account from my credit report, acknowledging that the late payment was reported in error. This further confirms that the information reported by TransUnion and XXXX is inaccurate. I have attached a copy of my XXXX report showing that the account has been removed.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

I also request that the inaccurate late payments entry for XXXX and XX/XX/XXXX be removed from my credit report immediately, as XXXX has already removed it. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been loyal Chase customer for over 20 years, with multiple active accounts, I am deeply disappointed by the treatment I have received in this matter. 

On XX/XX/year>, I was defrauded when attempting to purchase tickets for a XXXX playoff game through XXXX XXXX. The individual I paid, using XXXX XXXX via my cell phone, provided fraudulent tickets. Upon arriving at the game, I discovered that the tickets were invalid. The total amount I lost in this fraudulent transaction is XXXX, I have provided police and FBI reports that attest to this. 

I promptly reported this incident to Chase and XXXX, fully expecting the bank to uphold its commitment to protect its customers from fraudulent activities. However, to my dismay, my claim was denied, and I have not been reimbursed for the funds lost due to this scam. 

To add insult to injury, my friend XXXX XXXX ( we were planning on attending the game together ) who is also a Chase customer submitted a claim as she was defrauded on the same day, for the same game, via the same manner, by the same person and her claim was APPROVED by Chase Bank. 

Considering my long-standing relationship with Chase and XXXX, the significant financial activity I maintain within my accounts, and most importantly the manner in which Chase is choosing to openly discriminate and treat customers differently that are experiencing the same set of circumstances, I believe this situation warrants a thorough evaluation. 

I hope Chase understands the detrimental effect of discrimination against customers driving reputational damage, customer attrition, legal consequences, and financial impact. 

Please investigate this matter with the urgency it deserves. I am requesting a prompt resolution and reimbursement of the amount lost in this fraudulent transaction. Should you require any additional information or documentation I am more than willing to provide it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE A FRAUD INQUIRY PLACE ON MY CREDIT REPORT TODAY XX/XX/2018 IT WAS FOR XXXX XXXX XXXX AND THEY REFUSED TO HELP ME AND TOLD ME TO CONTACT XXXX XXXX XXXX  AND THEY WOULNDT ASSIST ME AND THE EXPERIAN REP WAS RUDE TO ME AND KEPT PUTTING ME ON HOLD FOR 30 MINS AND HUNG UP THE PHONE ON ME I HAVE NO TRUST WITH EXPERIAN
Product: Student loan

I have been making payments on my student loan through Courtney and Camps XXXX XXXX in XXXX, MS for years. On XX/XX/XXXX, I called to request my account balance and was told that it was {$340.00}. I submitted a check for {$290.00} that was withdrawn from my account on XX/XX/XXXX and I submitted another check for {$55.00} that was withdrawn from my account on XX/XX/XXXX, with a note requesting a letter verifying that my student loan from XXXX has been paid in full. I made another call on XX/XX/XXXX to verify if the last check was received and was told that it was received on XX/XX/XXXX. When I inquired about receiving the verification letter that my loan is fully paid, I was told that they have to wait for the check to clear. I have been checking my mailbox for weeks and have yet to receive anything and I am livid. Both of my checks went through, so I dont understand why it is taking so long to mail a simple letter. I need it for my personal records and to retrieve my transcript to register for school by XX/XX/XXXX. XXXX is almost over and I dont have much longer to continue waiting.
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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Student loan

My student loans been on my credit since 2007 and have been sold to different creditors as of today I 'm am current but I keep trying to submit hardship that 's keep getting mess up in some type of way and also the interest keeps rising everytime I check on my credit.
Product: Student loan

This is the second time Ive had to write a complain on Ed Financial.

Im in the process of getting a first-time mortgage. Things were moving ahead until they did a hard pull on my credit to discover that my students loans jumped from ( roughly ) {$200000.00} to {$260000.00} between XXXX of XXXX  and XXXX of XXXX. This dramatically impacted the data being entering to get a mortgage ( debt-to-income ratio ). There was no warning about this. If my mortgage lender hadnt bright this to my attention I might not have noticed immediately. 

I talked to a person at Ed Financial who said that a mistake was made ands that theyd sent me a notice in XXXX that no interest would be charged this cycle. They would look into it. Nothing happened. 

I called the next day. This new person couldnt find the XXXX letter, but agreed the amount was shocking and talked to a supervisor. Explaining my situation, they elevated this to an Emergency Status to have it evaluated by accounting. The agent I spoke to ( for an hour ) said she was going to call me back either that day or the next to update me. No one called. 

A week and a half later, I called again and Im going through the same process. It remains unresolved. It is an egregious problem. This company- I am absolutely convinced this organization has no means or interest in having reasonable checks on their actions. Theres NO WAY this much interest should suddenly appear on my account. They agreed with this statement. Yet theyve done NOTHING about it. I think they need to be investigated. If you look at my previous complaint with them, youll see they dont have trained personnel ; there seems to be no effective way information from one call is transferred to the next person I might have to speak to. Its starting all over each time. As a loan borrower, i feel utterly powerless to deal in a straight forward manner. Its essentially attempting to steal {$26000.00} from me. If it hadnt been bright to my attention ( with student loan payments on hold, I havent been checking regularly ) theres been no reason to check on this account with consistency since the pandemic. I feel they are acting in bad faith and just hoping Im worn down enough to give up.
Product: Credit reporting or other personal consumer reports

Contacted bureau to ask about bankruptcy inaccuracy reporting on my consumer report. Not sure of where they received their information but it is incorrect on XXXX2025
Product: Checking or savings account

On Tuesday, XX/XX/2024 at XXXX I received an email from a Capital One Bank Representative named XXXX XXXX informing me : Were restricting your Capital One account ( s ) until we can verify your recent account activity. Based on the results of our review, your account ( s ) may be closed and your balanceplus all interest earnedwill be transferred to your externally linked checking account. If you dont have an externally linked checking account or if the account linked is no longer open, a check will be mailed within 7-10 business days to the address on file. 

Not believing the veracity of this email, I checked mobile banking to see a message indicating Your funds are currently not available for withdrawal. Please call us at XXXX. 

I called the number and spoke to a representative named XXXX who advised that my checking account, which receives my payroll deposits, has been restricted and will be closed due to an internal review. This has left me in a state of dismay, as I rely on this account to pay for my mortgage and household bills. What troubles me even more is the lack of communication and transparency from the investigations team at the bank. I have been provided with no phone number or email to contact them, and it seems that any communication is only one-way. This has only added to my frustration and confusion. 

At the local branch, XXXX XXXX XXXX, XXXX, attempted to make up for the poor customer service and communication to this point and at least showed some humanity and sensitivity, even though limited in her ability to provide information. I was promised a call from the Branch Manager, only to call back at XXXX to hear XXXX XXXX XXXX is not in. I take the allegation of fraud seriously, as a XXXX, an XXXX, and XXXX XXXX in my profession. So much of what will be a misunderstanding could have been prevented with appropriate outreach and communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : I received a copy of my credit report, and I found an account thats reporting that I have no knowledge of. I'm aware that your job is to ensure the accuracy of my credit report. Below is the name of the account. 

ACCOUNT NAME : XXXX XXXX Please forward me any documentation providing proof that this account belongs to me. If you cant provide such documentation, then please DELETE THIS ACCOUNT from my credit file immediately. 




Sincerely, XXXX XXXX