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

I have been dealing with identity theft that started picking up quickly in XX/XX/year>. Since then, I have repeatedly reached out to Experian to freeze my credit. The thief is able to reset my online account and unfreeze my credit by using the option to reset by answering security questions, which can easily be answered using my credit report. 

I have reached out to Experian numerous times, speaking with numerous departments, asking them to take away the option to unfreeze my credit online. Each time I have been met with resistance or the inability to do anything - instead, Experian reps push their paid services on me or tell me to set a security pin, which can be reset using the online option I mentioned above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, XXXX notified ChexSystems that fraudulant information they are reporting to third parties with my personal/confidential Identification as the result of Identity theft.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a critical matter regarding unauthorized accounts on my consumer report which is a violation of 15 use 1602 and 15 use 1681c-2. After review of my consumer report i have discovered accounts that were added without my consent of the submission of a XXXX form. The following accounts need to be removed ASAP XXXX XXXX XXXX XXXX XXXX {$92.00} open XXXX, XXXX XXXX Account XXXX {$870.00} open XXXX, XXXX XXXX Account XXXX {$6600.00} open XXXX, XXXX XXXX Account XXXX {$720.00} open XXXX, XXXX XXXX XXXX Account XXXX {$20000.00} open XXXX, XXXX XXXX XXXX XXXX  XXXX {$200.00} open XXXX, XXXX XXXX  XXXX {$6000.00} open XXXX, XXXX XXXX  XXXX {$150.00} open XXXX I wish to highlight that I have not signed any SSA-89 form, nor have I given written consent for any accounts to be attached to my consumer report. This is not an oversight on my end and I am aware of my rights under the mention statutes Please remove in 4 days I have also attached my documents
Product: Debt collection

I called in and advised to not call my work number XXXX. I continue to get automated calls to this number and i am not delinquent on the loan nor have I ever been. This is harassment!!! I provided a number that can be called however I don't expect calls about my loan unless there are important changes I need to be made aware. I should not be being contacted about payments that are not yet due. Then when getting on the line with a representative that did not identify themselves would not changes or update my information but ended the call! I am getting real tired of these illegal attempts at managing my loan. I am ready to involve an attorney at this point!
Product: Debt collection

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX ca XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX ] Ally Financial XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Account Information Dear Ally Financial, I am writing to request specific information regarding my auto loan account. Please provide me with the following details : 1. The date of first delinquency on the account 2. The date of the last payment made on the account 3. The date the account was officially charged off I would appreciate it if you could provide this information in writing at your earliest convenience. If any additional information is needed from my end to process this request, please let me know. 

Thank you for your time and assistance. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Debt collection

THIS COMPANY IS XXXX  AND XXXX!!! ... .I HAVE JUST RECENTLY TRIED TO GET INFORMATION ABOUT WHAT I " ACTUALLY '' OWE SO I CAN PAY. I CALLED EVERGREEN XXXX LOCATED IN XXXX WASHINGTON ON XX/XX/2019 AND SPOKE TO A REPRESENTATIVE AND TOLD THEM I WANT TO PAY WHAT I OWE BUT I WOULD LIKE A " FULL '' PRINT OUT/COPY " FROM THE HOSPITAL '' OF ALL THE SERVICES THEY SAY I RECEIVED WITH AN AMOUNT BREAK DOWN!! AND GAVE THEM MY ADDRESS TO FORWARD THE DOCUMENTS/BILL TO. I HAVE NEVER RECEIVED ANYTHING!!! I'VE BEEN WAITING OVER A MONTH NOW! YET SOME HOW THEY RENEWED THE AMOUNTS " THEY '' SAY I OWE ON MY CREDIT REPORT!! THIS IS AGAINST THE LAW!! THEY CANT KEEP ADDING IT EVERY MONTH SO MANY TIMES!! THEY KEEP DOING THIS! THEY MUS STOP!! OR I WILL TAKE THEM TO COURT THIS TIME FOR HARASSMENT!!! THIS COMPANY IS AWARE THAT THEY ARE DOING ILLEGAL ACTIVITY BY CONTINUALLY PUTTING THIS ON MY CREST REPORT AND STATING THAT IT IT NEW!! IT IS NOT!!!! EVERGREEN XXXX IS CONSTANTLY VIOLATING THE FDPCA ACT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to dispute a hard inquiry listed on my credit report from XXXX XXXX XXXX, dated XX/XX/2023. And XXXX Bank dated XX/XX/2023. According to the Fair Credit Reporting Act ( FCRA ) Section 604 ( b ) ( 3 ) ( A ) and the Fair and Accurate Credit Transactions Act ( FACTA ) Section 604 ( a ) ( 3 ) ( A ), I have the right to request information regarding any inquiries made on my credit report.

I have thoroughly reviewed my credit report, and this specific inquiry was made without my knowledge or authorization. As a consumer, I have the right to be informed about and give consent for any access to my credit information. The FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) states that a consumer reporting agency must have a permissible purpose and obtain the consumer 's consent before releasing credit information.

Given the above information, I kindly request that Equifax immediately investigate the validity and authorization of this hard inquiry and provide me with a written explanation within the time frame required by law, as outlined in FCRA Section 611 ( a ) ( 1 ) ( A ).

If it is found that the inquiry was made without my consent, I request that Equifax remove the inquiry from my credit report, as it is causing negative effects on my creditworthiness and financial well-being. Under FCRA Section 611 ( a ) ( 1 ) ( B ), inaccurate or unverified information must be promptly corrected or deleted from a consumer 's credit file.

Please provide me with a written response and a copy of my updated credit report after the investigation is complete. Additionally, I would appreciate any information you can provide regarding the source and purpose of the unauthorized inquiry.

I understand that you are obligated under the FCRA to complete the investigation within 30 days of receiving this dispute letter. Failure to comply with the FCRA guidelines may result in legal action.

Thank you for your prompt attention to this matter. I look forward to receiving your response and the resolution of this dispute. Please do not hesitate to contact me if you require any additional information or documentation to facilitate the investigation. 

Sincerely,
Product: Student loan

On XXXX XXXX  I paid {$2700.00} to my account for my loans on EdFinancial. The company didnt record my payment after 2 days when I checked my payment history, the payment I made was gone, my accounts balance hadnt changed and the interest kept accumulating. Also, I have some proofs about this issue. I had contacted them many times but still didnt get a call back while they said they would in their system phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Month of XX/XX/2022, XXXX XXXX XXXX Account XXXX XXXX Reported a late payment to my consumer Report, In accordance with the fair credit reporting act XXXX  account XXXX  has violated my rights.

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on credit card account under an open consumer credit plan as late for purpose.
Product: Student loan

I requested a Public service Loan Forgiveness and Temporary Expanded PSLF application from Aidvantage. I faxed the completed forms to the number given, XXXX on XXXX. I attempted to call Aidvantage XXXX times to confirm receipt of the forms. The last time I called they stated, " We don't process those forms, XXXX does, '' and gave me the phone number to XXXX. I wanted to confirm the receipt of the forms with XXXX. and tried to do so with no success. Then I started reading things online about, your loan will be transfered if you apply for PSLF. I do not want that! I don't even know if I qualify for PSLF, but I wanted to attempt to qualify, and have a dialog with Aidvantage about whether I qualify or not! Now I don't know where my loan is located, and what it's status is! I also filed a complaint about the balance of my loan which rocketed up {$20000.00} when Aidvantage got a hold of it from XXXX. I filed a previous complaint about that to have it reduced back to the correct amount from when XXXX held it, which was approximately XXXX, not XXXX! I'd love it if my loan was further reduced by PSLF, as I have worked in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my whole life. I also have applied for XXXX XXXX XXXX loan forgiveness, which would be XXXX XXXX forgiven as I have a Pell grant. I also want my XXXX paper forms, which Aidvantage still has not sent me.
Product: Payday loan, title loan, or personal loan

This account was opened XX/XX/XXXX. It was paid off at the end of XX/XX/XXXX with certified funds from my closing attorney. They were notified it was going to be paid in full. It took weeks before my payment posted. They reported a 30 day late on a closed account.
Product: Checking or savings account

On XX/XX/XXXX, I contacted Chase bank regarding several unauthorized ACH withdrawals from my Business Checking account. There were XXXX transactions totaling {$13000.00}. 


The Representative stated documents will be mailed & i should receive them within XXXX business days - that i should sign and return them. None arrived. 


On a second phone call, I was asked to go in person and file a Disputed Transaction form. I went into the XXXX XXXX branch in XXXX, TX and the branch XXXX faxed it in. 


Meanwhile, i received an email notification stating I received a letter on the online banking portal. 

The online portal showed multiple documents. 
XXXX. Stating that the claim was closed XXXX. Asking me to complete the same Dispute Transaction form and fax or upload it XXXX. Stating that the claims were too old and will not be paid XXXX. Stating that these Transactions were authorized XXXX. The initial document dated XX/XX/XXXX arrived on XX/XX/XXXX -- asking me to sign and send a document on XX/XX/XXXX ( when I did not even have it in my possession ) I have spoken with XXXX different people from the Claims Dept and each person offered me different information. 

The XXXX person i spoke with advised me to close the account and open a new one. I did that. 

On mulitple occassions, i requested any information that shows I authorized these transactions. The purpose was to contact the merchant directly and resolve the issue. I was told that it wasn't available and would have to be request from 'the back office '. Today ( XX/XX/XXXX ), I was transferred to the Retail Business Service dept. The Representative transferred me back to the Fraud/ Claims department as he could not access a 'closed account '. 

Here are the dates & charges in dispute : XX/XX/2023 - {$1500.00} XX/XX/2023 - {$2100.00} XX/XX/2023 - {$1200.00} XX/XX/2023 - {$1600.00} XX/XX/2023 - {$1600.00} XX/XX/2023 - {$1800.00} XX/XX/2023 - {$1400.00} XX/XX/2023 - {$1700.00} A Financial Institution should not be allowed to arbitrarily presume that a Merchant or their Bank sending an electronic message stating the charges were Authorized is accurate. That Merchant should produce documentation that I authorized these large withdrawals. 

I am a small business owner and this financial loss is devastating. More than that, my funds should be safe from unauthorized electronic withdrawal and access.

I sincerely believe that I am the victim of Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, someone got access to my personal information including my Social Security number drivers license number and birthdate and opened up fraudulent accounts under my name negatively affecting my credit score identity thieves opened up unauthorized accounts in my name costing me upwards of {$20000.00} in debt with fraudulent charges
Product: Checking or savings account

Chase was offering a {$900.00} total promotion for opening a new checking and savings account. The total was comprised of {$300.00} for a new checking account, {$200.00} for a new savings account, then a {$400.00} bonus after the first two were met. 

The new checking account required direct deposit. The new savings account required {$15000.00} in minimum deposits within 30 days of opening which had to be kept in the account for 90 days. Once the initial two were met, the bonus was to be provided. 

I received the {$300.00} for the new checking, but not the other two. The 90 day requirement for the savings account was XX/XX/year>. I began reaching out to Chase three full weeks past the required holding date. 

I spoke with customer service on XX/XX/year> and was informed a system issue was causing a problem with the savings account which they believed was why I didn't receive the bonuses. I was told to call back in two days. 

I called back on XX/XX/year> and spoke with a customer service rep who said I need to speak with a supervisor and I was immediately placed on hold. After speaking to the supervisor, they informed me that a case needed to be open. This case was opened under XXXX and that I should expect a callback within 3-4 days. 

It's been 4 days and I haven't received any communication from Chase. I've been patient and I've attempted to resolve this with customer service on more than one occasion, spending a non-trivial amount of time trying to fix their error. The customer service interactions all started with an attempt to invalidate the bonuses rather than address the issue. 

I've attached the initial paperwork detailing the bonuses, including tracking numbers. Ive attached screenshots of the accounts showing all bonus requirements were met.
Product: Checking or savings account

I had a spoken with the company XX/XX/XXXX in regards to making sure my funds being deposited into my account were going to be just fine they assured me they would be. I called XX/XX/XXXX to make sure I am able to withdraw the funds with no problem. XX/XX/XXXX I go into the bank and am unable to withdraw my funds that were deposited. I call again XX/XX/XXXX and am still unable to withdraw my funds due to a decision that will be 30 days from now. It is unacceptable and this is now my 5th problem with bank of america. I am done and I refuse to let my money sit in the account until closure to wait for a mailed check. That will not work for me.
Product: Debt collection

I sent a letter certified mail to XXXX to valid debt in about of {$740.00}, XXXX responded with the original debtor " XXXX XXXX XXXX '' ledger with an excessive carpet fee for {$320.00}. I responded back to XXXX certified mail with pictures taken from Move Out of the entire apartment with no carpet stains. I also sent a copy of a letter from my Lawyer that was forwarded to original client XXXX XXXX stating that the debt was incorrect. As stated in the legal document, the silence was taken as a confirmation that the amount was incorrect. Yesterday, I spoke with a representative to follow up on the status of my response. The representative stated that " he received the pictures of the apartment. Apartment companies can add fees if you do n't have a move out inspection and next time have an inspection to avoid false fees. '' He then went on to explain how he would delete the debt from my file for a settlement of {$420.00} however he could not put it in writing. I have to pay first then he will delete from my file.
Product: Credit reporting or other personal consumer reports

Consumer name : ( XXXX XXXX ) Consumer Social Security Number ( XXXX ), Consumer Date of Birth ( XX/XX/XXXX ). Contents of the complaint : This CFPB complaint has been filed to request that Experian, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ). This fraudulent, incorrect, and false information consists of a personal credit card account opened at XX/XX/XXXX These accounts have resulted in multiple bogus ADDRESSES and collections on my consumer XXXX credit report. I have attached a list of the accounts in question, as well as a copy of your consumer XXXX credit report, which includes the aforementioned bogus entries. I do not identify the aforementioned accounts and collections, that were reported. I did not open, make, or start the aforementioned accounts, collections, addresses on my consumer credit report, which you keep. All of the accounts, collections and addresses listed above are the result of identity theft and fraud. I've attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) from the US Federal Trade Commission to prove that all of the aforementioned consumer credit accounts, collections, and addresses are the consequence of identity theft and fraud.
Product: Credit card

OnXX/XX/2025 Capital One closed both my accounts.

They stated it was due to me attempting to pay for a purchase and having insufficient funds. I have paid the balance every month ahead of time and had no payment issues.

The funds that I had arranged to hit the account hadn't went through yet when I tried to make the purchase. This was an error on my part but at same time I have never had payment issues and paid ahead of time every month.

Capital One did contact me to ask if I knew about this and if I was aware of the situation. Instead they shut down all my Capital One accounts.

The issue I have is this will badly affect my credit score and when I called them multiple times and spoke with the supervisor they just read from the same script saying I should destroy all my cards.

I think this is terrible customer service as they have not called me and instead I found out when I wasn't able to pay for things at the store. Now on top off that all my credit score history will be negatively impacted and this will affect my abilities in day-to-day life.

At the moment they are extremely unhelpful and my financial security is seriously affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified from a credit unit on XX/XX/XXXX that Bank of America was showing a past due charge and unpaid balance on a closed account Acct # ending XXXX. The account had been closed and Bank of America Charged an annual fee on a closed account. Then reported it to the credit agency and in XX/XX/XXXX XXXX other companies lowered credit limits on other credit cards to the current balance, it affected my credit score from XXXX to XXXX. I have spoken to Bank of America on XX/XX/XXXX and they agreed that they had made the mistake and I should get notification 2-3 weeks in writing. As of this date they have removed the annual fee charge however they have not made any effort in correcting the credit reporting error.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by US DEPT OF EDXXXX, in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$6000.00} and that the balance was updated on XXXX XXXX. This balance is incorrect. 
I challenge the accuracy for the third time, compliance and reportability of this listing. 
Please validate this information with US DEPT OF ED/XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I will right this Complain To Explain to paypal That I didn't Violate any Rules And User Agreement To my account. First I use my account To recieve payment from my Buyers and Clients.I use this As My only Payment method for my business and also for my work in XXXX. In XXXX XXXX I recieved 2 payments which {$6.00} and {$9.00} which is so small amount of money right?. Where Did the Violation on that Thing?. I didn't Sell any illegal Items And I can prove it through Sending legal documents. I can upload the Nature of my business and work. The problem here is Paypal Banned me Quickly without any further assessment notification. Please review This ASAP because I dont want to open Another Paypal Again to suffer from Hold I use my Money to Help my Family in our daily needs and If paypal continue to ban my Account it will wreck My work and my business please consider that paypal team. 

Heres the reference ID for this Email. 
You can no longer do business with PayPal ( Ref ID - XXXX ) Sincerely Yours, XXXX XXXX
Product: Debt collection

Wells Fargo call me two to three times a day ( on number XXXX ) attempting to collect/negotiate a debt. This bank leaves a voice message for XXXX. The message is from XXXX with wells Fargo Card Services, asking XXXX to return her call. This harassment has been going on for over two months now. Some calls are late at night. I am NOT XXXX and my voice mail message clearly states my name, being XXXX.