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

Experian Subject : Dispute of Inaccurate Information and Improper Investigation Dear Experian or To Whom It May Concern I am writing to formally dispute the inaccurate information reported on my credit report by Experian and to express my concerns regarding the improper investigation conducted as well as false information.

The inaccurate information continues to negatively impact my credit score and overall financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair investigation of my disputes, and I believe that your agency did not fulfill this obligation in my case. 

I am requesting that you conduct a thorough and complete investigation into this matter, taking into consideration the documentation I have provided. I am also requesting that you remove inaccurate information from my credit report if it is found to be erroneous. 

Please find enclosed copies of my previous correspondence, the credit report with the disputed information highlighted, and any relevant documentation that supports my claim. 

I expect a prompt response regarding the outcome of the investigation and any actions taken to rectify this situation. Thank you for your attention to this matter. 

Best Regards.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a complaint ( XXXX ) requested a signed contract with my signature along with your Conserve signature. I have also attached my current payments that I have with XXXX XXXXXXXX that are current through XXXX. I would like for this account ( Conserve, XXXX ) to be removed immediately as it is affecting my privacy. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.
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. 

I have informed XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX  XXXX account # XXXX XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX  XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX and XXXX XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C 1681 section 602 A : states I have the right to privacy.

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: Bank account or service

I am trying to find out what became of a bank account my brother had left for me upon the time of his death.
Product: Credit card

On XX/XX/2025 i was alerted that my daughters credit card had been charged in the amount of XXXX from a local restaurant called XXXX XXXX XXXXXXXX here in XXXX AZ. I immediately alerted Capitol One of the fraud as I was in possession of the credit card, it was locked in my personal safe at home still in the original envelope it was mailed in, this credit card was never intended for use only to help build her credit. I explained this to Capitol One even offered to mail the credit in question back or take photos to show it had never even been open. I then receive a letter a few days letter stating that because the chip was used on the card I am held liable. I called to re-explain the issue, only to be told there was nothing that could be done. I have XXXX other cards form Capitol one that i actually use, I ask if they could go back through the history of that card and it will show it has never been used! Why would I do argue this over XXXX dollars i have close to XXXX dollars in credit with Capitol one and unlimited with XXXX! I want my charged reversed and I am willing to take the hit on credit. I will be closing my accounts. They have no safety precautions to avoid this from happening. I have never loaned, or given out that card, it has never been used and only sat in my safe. If now the only measure of investigation is weather or not the chip was used and not an actual look at the account. Capitol One can longer keep my information safe from predators. I have attached a copy of the police filed.
Product: Money transfer, virtual currency, or money service

I have sent funds to a wrong number and was not able to retrieve it back if the person I sent it to dis not send it back and now I see they give you a pop up to confirm the name about a year so ago
Product: Vehicle loan or lease

About XX/XX/XXXX I called Ally Financial and asked for financial assistance as the Coronavirus was clearly going to impact the country and a part of my income. Ally Financial said that they would put the car in a 120 day forbearance. They told me that I could have also done this online quickly. The lady informed me ( before we hung up ) that it may take some time to process as the country is in a unusual emergency. I went online a filled out the form anyways. I got some phone calls over the next couple of weeks but dismissed them as the lady instructed me to do. During this time I kept doing independent  work. 


In XXXX I called them about the forbearance around XX/XX/XXXX when it was supposed to end. I was hoping to have a conversation about getting back to full payments. Instead Ally Financial put the car in default last month and there was not much I could do other than appeal I told the customer agent to appeal. He did tell me that it looked like two forbearances were filed ( one for less than 120 days ). He said it would be some time till they got back with me. This was understandable. He said it would probably go through since it looked like a simple miscommunication. 


In the later part of XXXX I call Ally Financial back and they told me that the appeal was denied. They stated that the car must be paid in full or they would start the repossession process. I tried to get a supervisor of the phone by the name of XXXX XXXX. In the last week of XXXX I left 2 voicemails on his phone. I never got a return phone call with a message. Approx. XX/XX/XXXX I got a call from Investigator XXXX  with a company called XXXX XXXX saying that they are starting the repossession process. I did return a phone call and state that I would be filling with the Minnesota 's Attorney Generals office. during my research I found out that the Federal Trade Commission and the XXXX XXXX XXXX would also be good places to file.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my PayPal account was terminated for being " in violation of PayPal 's Acceptable Use Policy. '' I was told that the money I had in my account would be frozen for 180 days. I spoke with two customer service employees about this at the time, who confirmed that my funds would be available to me after the 180 day period. On XX/XX/XXXX, nearly two weeks before the 180 days were up, PayPal withdrew the funds from my accounttotalling $ XXXX no prior notice or warning. I've called PayPal several times and spoken with several customer service representatives who have told me " the back office is investigating this. '' But then I never hear anything from " the back office. '' After conducting some research online, and discovering that a class action lawsuit has been filed against PayPal for this very thing, I'm convinced that PayPal is engaged in fraudulent activity by seizing people 's money and justifying the seizure through the application of an unlawful and unenforceable liquidated damages clause that amounts to a contract of adhesion. The liquidated damages provision and the seized funds have no relation to any actual damages suffered by PayPal and amount to nothing less than fraud.
Product: Debt collection

First National Collection Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Hi. So the company mentioned above reached out and mentioned that I owe them almost XXXX of loan that I have no information about. They said it was a web loan issued using my social security number. I never applied for any loan nor I have any knowledge about it. Upon asking them to dispute it they advised me to get into a payment agreement with them. I told them Im not paying a single penny for it as these companies issued loan to someone without even verifying anything.this is getting stressful and Im willing to provide any documentation needed to get this resolved. It has effected my credit score as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX19 Currently my SLS account report history on XXXX and XXXX still shows negative payment which recently caused a bank lender to refuse to accept a new personal loan. 

SLS currently shows : 5 times over 30 days late 5 times over 60 days late 6 times from 90-120 days late I have discussed with my lender on many occasions several to please update this as it is seriously limiting my financial ability to remodel my home and other investments. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : Experian. 

I pulled my credit report and keep noticing information on it, that is not accurate with XXXX, or XXXX. You are reporting an account open when in fact it is closed as I have proof here. According to FRCA. ' Its illegal to report an account open, when its not, and i have a right to a fair credit report. Please remove this account immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not updated my report like XXXX requested them to last year. The company reached out to me and stated they have sent updated info to the credit bureau. My account was never late was paid as agreed.
Product: Credit card

When recently evaluating a Chase XXXX XXXX XXXX credit card, there was an offer for XXXX bonus points after {$8000.00} spend on the card within 3 months. 

Unfortunately before I was ready to apply for the card, the elevated bonus offer had expired and had been reduced to XXXX points. 

At this point, I called into Chase, spoke with an agent, and the Chase agent told me to go ahead and sign up for the card, meet the {$8000.00} minimum spend, call back, and they would manually apply the extra XXXX bonus points to match the original XXXX points offer. 

I did exactly as the agent told me to do and was sent a rejection notice. I called back, explained the situation again, and was again rejected. 

I just spoke with a supervisor, who acknowledges their agents told me this, but says they aren't bound to honour what their agents tell people. 

I've got call recordings from both the original pre-application process and the subsequent call-back to apply the XXXX extra points process, with both agents assuring me I would be receiving the extra XXXX bonus points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was misled by false advertising stating that the inquiries on my credit report would be soft pulls and they all turned out to be hard pulls tried contacting the creditors about the problem because t non of the issues were rectified so I then next contacted the credit agency that placed these hard inquiries on my report to resolve the issues, and nothing happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Product: Payday loan, title loan, or personal loan

First Heritage Credit located at XXXX XXXX XXXX XXXXXXXX in XXXX, LA XXXX pulled my Credit without my consent on XXXX XXXX and XXXX XXXX. I spoke with an employee on XX/XX/XXXX and made a payment and payment arrangements. They had no reason to pull my credit report and give me a hard inquiry when I spoke with them less than 3 weeks ago. I called on XX/XX/XXXX and the employee stated they can pull my report every 30 days to obtain current information. This is absolute abuse. I spoke with them on XX/XX/23 and there was no reason for a hard inquiry on XX/XX/23. They are manipulating, abusing, and taking advantage of the consumer.
Product: Credit card

I open an accouny with dillards onXXXXXXXX made a payment on XXXX and they still send me a bill with a late fee. Saying i paid my bill too early. The penalized me for paying early.
Product: Mortgage

The CFPB took action against Wells Fargo Bank for breaking federal consumer protection laws that apply to financial products such as mortgages. I have not heard back from Wells Fargo about payment from the issues they caused. 

I was asking Wells Fargo what criteria you used to determine that you harm the XXXX  mortgage loan holders, was it zip codes, certain city areas, or was it a just minorities. When you were in negotiation with Wells Fargo how did they know just who they harm. 

I have not heard back about payment.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX Re : Identity Theft and Unresolved Collection Account with XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding my identity and credit profile. In XX/XX/2020, I fell victim to identity theft, and as a consequence, my personal information was compromised. Since then, I have been diligently working to rectify the aftermath of this incident. 

Among the various challenges I am facing, one specific issue pertains to an unresolved collection account with XXXX. Despite my efforts to dispute the validity of this account, the company has refused to delete it from my credit report. I have attached relevant documentation, including a copy of the police report filed in connection with the identity theft, to support my case. 

The incident of identity theft has had severe implications on my financial standing, and the inclusion of an unjustified collection account on my credit report only exacerbates the situation. I believe that the persistence of this entry is unwarranted, considering the circumstances surrounding the theft and the steps I have taken to rectify the matter. 

I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and facilitating the removal of the XXXX collection account from my credit report. I have made multiple attempts to resolve this issue directly with XXXX through the dispute process, but my efforts have been unsuccessful. 

I trust that your agency, with its commitment to consumer protection, can help bring resolution to this matter. I appreciate your prompt attention to this issue and look forward to a swift and favorable resolution. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

For the last couple of years, I have had an account ( DirectExpress ) that I was assigned by SSA, to received my SSI benefits into. Comerica Bank, an original debit account number XXXX with expiration date of XX/XX/XXXX was issued. Thru this account i was able to set up a XXXX XXXX Debit/Checking Acct, that can only be managed via online to transfer funds into. With XXXX I am able to pay rent and other utilities and thus it is indispensable to me. 
On or around the beginning of XX/XX/XXXX. I was sent a different card without any knowledge or request from my part. This card account number is XXXX, expiring XX/XX/XXXX. as evident, while the cards are both similar, apparently the second is of lower tier. No reason for switching, no request, not upcoming expiration date or the like. this new acct/card required me once again to reset everything. except that now my transfers to my XXXX checking account are not going thru. On XX/XX/XXXX, and XXXX, I spoke with two someones at CS from Comerica and neither could really assist me. I tried to reset the XXXX account entering the routing and account numbers several times to no avail. my transfer requests take 2-3 days and then they returned incomplete. I attempted these transfers since XX/XX/XXXX, and on at least 4 times and nothing. I am confused, upset. Comerica Bank did not have to switch me to another card. The system to set up link external accounts is absolete and redundant and customer service, not customer oriented and somewhat incompetent in their craft. i want answers! My ability to complete my financial obligations is being affected and I risk my mental and physical being with so many issues with Comerica Bank - Direct Express!. Please assist
Product: Debt collection

I have requested validation on acct # XXXX and I have yet to receive sufficient validation information. A statement is not sufficient validation. Please provide paperwork regarding this debt, namely a contract signed by myself authorizing the original credit line or interest/fees information authorizing the debt collector to add additional expenses to the original debt balance. 

The date the debt was transferred from the original creditor to the third party debt collector.
Product: Payday loan, title loan, or personal loan

I paid {$3800.00} on XX/XX/XXXX paid my account in full. I was told by several representative that they report to XXXX XXXX every XX/XX/XXXX. Nothing has been reported. I called XXXX XXXX and opened a dispute on XX/XX/XXXX. I called an spoke with manager XXXX XXXX at Prosper Market Place that they reported and it is not his problem when XXXX XXXX updates there information he said he could send me out a paid letter in full which he did not. this was on XX/XX/XXXX. I called XXXX XXXX XX/XX/XXXX spoke with Supervisor said there still was no update and my dispute came back showing the same thing not paid. I have gotten but poor customer service from Prosper Market Place. 

The total payments in all was {$5600.00} paid off in 12 months ( loan term was 36 months I paid it off early ) Loan originated XX/XX/XXXX interest rate 9.46 %
Product: Mortgage

This mortgage servicer will just quickly respond by letter to appease CFPB, add their number and never actually follow up. I have contacted XXXX XXXX, left a message via email as well as phone to no avail. I am responding to a request for XXXX and XXXX payments totalling {$2500.00}. Please note ; XXXX tracking # XXXX for {$1200.00} XXXX tracking # XXXX for {$1200.00}.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX TO XX/XX/year> Google Pay/Wallet including XXXX services demanded that I verify my identity by GOVERNMENT ID along with every card stored in my wallet. They wanted me to take pictures of my card showing all info and licenses. I informed them that this is a violation and at most need to be redacted according to the law. They threatened to close my account including Google XXXX XXXX At first told them close it because they have no right to that info. I verified it was indeed Google requesting said information. Freaking out I did submit the proof they required but with warning I was going to report them. I am infuriated by all this. I saw others online had this happen to. They flagged my account as suspicious ... .... They are suspicious to me. 


Another situation XXXX XXXX XX/XX/year> Google also would not uphold their warranty for 3 months I waited for them to make good on it until I quoted their own policy to a supervisor who agreed it made no sense. They still have open tickets when connecting with them about my Google XXXX XXXX XXXX They wanted to hold a credit card while sending me a new " pristine '' refurbished one even though I just got this phone end of XX/XX/year> paying {$900.00}. They were going to put an authorization hold on my card of {$990.00} ( Cost of brand new phone ) even though they were sending me a refurbished one. I fought with them for about a month before they said we will do it without a debit/ credit card. Why would they put a {$990.00} authorization hold for a new phone that has malfunction for a refurbished one in case I didn't send mine or didn't receive their " pristine refurbished one ''??? The cost for a refurbished one versus a new one is a significant difference. They were willing to charge me that amount in case it got lost on either side even though the warranty covers all this. I didn't have the money for them to put an authorization hold. At first they were not going to replace it at all because of this. I reported them and XXXX XXXX where I purchase the device to State General attorney of Alabama. I have been complaining to XXXX XXXX since XXXX but they delayed me and returning the phone within time allowed because I couldn't walk into the store at the time. They would accept by mail.
Product: Money transfer, virtual currency, or money service

I've already reached out to my bank to report that I was scammed to transfer money in the total of {$20000.00}. I asked if they could help and recover the money since it was a fraudulent scam activity. However, my bank told me they wouldn't be able to help. The resolution I'm looking for is to report this and get my money back.
Product: Checking or savings account

On Monday, XX/XX/XXXX, I had two false XXXX charges on my Chase bank account after losing my phone and wallet. I called Wednesday, XXXX XXXX to submit a claim. I was told there would be reversal of charges and an investigation. I did not recieve either. My claim closed within 3 days, and I never recieved any temporary reversal of charges while the " investigation '' was ongoing. 

They told me to get in contact with XXXX, which I did, and they could not help me either with a refund and told me to contact my bank. A Chase representative told me on Friday, XX/XX/XXXX, that my claim was actually in progress and I should recieve a reversal on XX/XX/XXXX. 

However, today, on XX/XX/XXXX, i had not recieved anything, so I reached back out and was told my claim was closed after just 3 days. I don't believe the claim was investigated properly, with the ticket quantity being looked into and such. i was told because I used XXXX before, that it couldn't be fraud, which did not seem feasible to assume.
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX in XXXX. I gave them {$4000.00} down. I have been paying on the car for 6 years and they saying I still owe over {$12000.00} on the car. I feel like i have been taken advantage of and I just don't know where to go for help. It just doesn't seem right. I have been making payments of {$460.00} a month for almost 6 years. Please help