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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXXXXXX XXXX XXXXXXXX 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
Product: Checking or savings account

Im honestly perplexed as to why Sofi chose to close my account. As a vendor, I relied on Sofi banking to send and receive funds through XXXX, especially since other online banking apps dont support it. On XX/XX/year>, I received an email informing me that my account was restricted due to activity that allegedly violated the authorized activity guidelines. This restriction meant I couldnt withdraw or deposit any money into my account. When I called the number provided in the email, I was transferred to a different representative who was unhelpful. When I inquired about the specific activity in question, the man simply stated that my account was set to be closed and refused to provide any further details. He mentioned he would forward my concerns to someone higher up, who would reach out to me, but I never received that promised call. 

I remained confused because I only utilized the app for direct deposits and XXXX transactions. During this waiting period, I kept receiving emails indicating that my account was in the negative, but I was unable to move any funds due to the restrictions. Finally, on XX/XX/year>, I received an email notifying me that my account had been closed because it had been negative for the past 60 days. I found this extremely unfair on Sofi 's part. Their initial claim of a violation wasnt backed by any evidence or explanation, and it seemed unjust for them to close my account due to a negative balance when they had restricted my access for those very 60 days, preventing my direct deposits from clearing and rectifying the negative balance.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX  XXXX is beyond XXXX years old and is reporting on my account. The company continues to report the account as Charged Off and Past Due in the comments with a new date. Please remove this account from my report immediately.
Product: Checking or savings account

Cash App doing business as XXXX, XXXX was notified by me that 2 transactions that were sent from my account was not authorized by me and this individual accessed my account to send themselves multiple transactions from my account. I contacted them to have the money sent back to me because federal law states when a consumer has unauthorized transactions they are only liable for up to {$50.00}. The transactions are for {$580.00} & {$160.00}. ( a ) Conditions for liability. A consumer may be held liable, within the limitations described in paragraph ( b ) of this section, for an unauthorized electronic fund transfer involving the consumer 's account only if the financial institution has provided the disclosures required by 1005.7 ( b ) ( 1 ), ( 2 ), and ( 3 ). If the unauthorized transfer involved an access device, it must be an accepted access device and the financial institution must have provided a means to identify the consumer to whom it was issued. Official interpretation of 6 ( a ) Conditions for Liability ( b ) Limitations on amount of liability. A consumer 's liability for an unauthorized electronic fund transfer or a series of related unauthorized transfers shall be determined as follows : Official interpretation of 6 ( b ) Limitations on Amount of Liability ( 1 ) Timely notice given. If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my XXXX Credit Report. 

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the folllowing account be validated or DELETED immediately : XXXX. Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, 2024 In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 reporting agency can not furnish a account without my written instructions FRAUDULENT INQUIRIES AND ACCOUNTS I DISPUTED OVER AND OVER THEY REFUSED TO MOVE
Product: Vehicle loan or lease

RETALIATION / HARASSMENT/ UNFAIRNESS I, XXXX XXXX am filing a complaint against JP MORGAN CHASE BANK . I, have a car loan with this bank. On or about XX/XX/XXXX XXXX XXXX called JP Morgan Chase Bank to discuss the car loan and any late payments I was told by Chase Bank that someone would call me back. 

On XX/XX/XXXX I, XXXX XXXX called Chase Bank in reference of the car loan and also informing them that my bank shows that some of the payments loan has been paid. 
IN THE YEAR OF XXXX A SMALL CLAIMS COURT CITATION WAS FILED AGAINST CHASE BANK FOR THERE COMPANY CONSTANTLY CALLING MY HOUSE 4 TO 5 TIMES A DAY. IN RETURN THE COMPANY HAS BEEN DOING NOTHING BUT HARASSING XXXX XXXX AND IT APPEARS THEY WANT BACK THE CAR I HAVE BEEN PAYING A LOAN ON SINCE THE YEAR OF XXXX. IF ANY COMPANY IS GOING TO REPO A CAR I THOUGHT THEY SHOULD AT LEAST INFORM THEM IN WRITING OR EITHER CERTIFIED MAIL. I have checked with my bank and there are some payments that are not applied to this account. Chase Bank is doing this all because of RETALIATION against the past.
Product: Credit reporting or other personal consumer reports

I have been disputing these accounts with XXXX for months and they sll came back verified bur refuse to send me how they verified the accounts when the other credit bureaus are not reporting the accounts. 
They have alwo ignored the fact that I am a victim of identity theft. I sent them my police report, ID, a copy of my FTC report and proof of address and they totally ignored it all.

According to FCRA 15 U. S. C 1681 ( 4 ) 1681 stated that Accuracy and fairness of credit reporting. 15 U. S. C 1681s-2 states that CRA knows the information is inaccurate and still reporting it on a consumer credit report.

According to FCRA 15 U. S. C 605B ( they refuse to block my information even after I provide proof of the identity, identity theft report, information stating that the information is not related to me.

All 3 credit bureaus a reporting different information and they all should be getting their information from the same source. 
Example dates are inaccurate for all 3 bureaus, amounts and payments are inaccurate. I also provided them with all 3 bureaus reports. They did not do any investigation on these accounts. 
XXXX did not put on the account that it is in dispute which is also a violation. 

Accounts in question : Comenity bank has been on my report for over 7 years even though i disputed it for years that it was due to Identity theft they company ignored that is another violation qnd they are the only bureau that is reporting it. 

XXXXXXXX XXXX XXXX is not my account and XXXX is the only bureau that is reporting this inaccurate information XXXX XXXX  card is not my account that is caused by identity theft. They also refuse to send me proof as to how the accounts came back verified they know that they didn't investigate the accounts. 
I am fully aware that these accounts were not investigated! 
According FCRA these are all violations! I will also be compensated for all the violations!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had recent taken a construction loan at XXXXXXXX XXXX  XXXX XXXX XXXX who at this time are being investigated by the XXXX XXXXXXXX XXXX XXXX XXXX XXXX for misappropriation of the client 's funds where as some {$17000.00} has not been account for or is missing Therefore I strongly believe XXXX XXXX  or someone from their establishment has altered my credit with the help of Equifax where as my credit score has drop more than from XXXX to XXXX more XXXX points for a single loan being reported as XXXX different loans wherein they are actuality XXXX in the same. 

This problem seem to be associated with Equifax and XXXXXXXX XXXX  XXXX XXXX only ; The XXXX other Credit Reporting agencies are not reporting it, which lead me to think the XXXX are the corporate, in fact the bank loan officer said they only will use Equifax
Product: Debt collection

I received a call at my place of employment from XXXX XXXX from XXXX XXXX XXXX ( employee # XXXX ) from a local ( XXXX XXXX County, CA ) number. He stated my father was on the phone ( my father is deceased for 10+ years by the way ) They had the wrong name ( message was for XXXX ) and they said that I took out a payday loan from XXXX XXXX ' XXXX and stopped making payments. They said I have a remaining balance {$3600.00} ( I believe this is illegal per fair debt practices laws ). They are going to sue my " father '' - civil law suit - and file a XXXX form withholding his fed/state tax return to obtain the judgment to satisfy their request. They are also attempting to contact his employer to verify employment so they can garnish his wages. With questions call XXXX x XXXX Reference Case # XXXX. Then said " as per law, legally '' my father has been notified ( such as yourself ). I have a recording of the voicemail. I called their office and they would not transfer me to " XXXX XXXX '' and said they were with a law office. When I tried to ask more info they hung up when they realized I was n't " XXXX. '' They called again the next day from the same number ( XXXX ) and I answered and asked who they were calling from and they said XXXX XXXX County and asked me for the social security number for " XXXX '' and when I refused they got aggressive so I hung up. I called back and asked for the name of their company and they refused to tell me. I threatened to file a complaint so they transferred me to a manager. I spoke to the manager and she said they were XXXX and were based out of New York. They asked for the number I was getting calls but because it was a work number with a direct line and other lines connected, I was n't sure what number. They asked for " XXXX 's '' last name but I obviously did not have it. They asked how I knew it was regarding a payday loan and I said because you told me on the voicemail. I told them I was going to report them and they said " we know the laws, go right ahead. ''
Product: Student loan

I submitted an application to studentaid.gov for the SAVE ( IDR ) repayment plan on XX/XX/2023. It was sent to my student loan processor MOHELA. However, ever since it was received it has been under " processing '' phase. MOHELA put my loans under administrative forbearance on XX/XX/XXXX to end on XX/XX/XXXX. I continued to wait until XX/XX/XXXX when I contacted them via their message platform regarding my application still processing. It is XX/XX/XXXX and I have not heard back from them nor has my application been processed. I received a notice that the forbearance ends XX/XX/XXXX and I will have to start repaying my loans without the SAVE repayment plan in place. My first payment is due XX/XX/XXXX a few days before XXXX. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting Act the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX  Balance XXXX and XXXX XXXX  balance XXXX, has violated my rights. 

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

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

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any adverse item other than records of convictions of crimes which pre date the report more than 7 years.
Product: Credit card or prepaid card

on or about XX/XX/XXXX XXXX XXXX notify me and stated XXXX XXXX to get your used down capital one have the right card for you. because you have good credit and with a good standing pay history. apply for this card because you have good credit. which in fact is fair credit XXXX is fair credit. some one pull your credit it effect your score. never late, never missed any payment in in 120 month on my account. but capital one went through three disffence agencies just to say no. went they could have use one credit agencies to say no. and it effect my score big time. but what they was looking for was some one with a 720 scores. and that is misleading the market. what they said is a ( fair ) score and went you make 6 month of payment on time we will up your credit limit. now before capital one pull my credit my score it was XXXX it is XXXX. they mislead me and there consumer, and did offer any offer, so is capital one mislead people are is it XXXX XXXX   false misleading there client. this was mistreat and it was unfair to me. these false and mislead fact I would have never apply for that card. but that what they was hope to get some one to apply with a 700-720 score. and i once have a XXXX score in XXXX .application ID XXXX. I ask capital one to show me a mark on my credit file.
Product: Debt collection

I got a random call about a pay day loan they claim I took out. I dont know of any such debt and have requested additional information. Everytime I call they are rude they dont let me speak they threaten with garnishment and lawsuit 's they will file garnishment and then hang up and give me no resolution!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Numbers : XXXX, XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : 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 reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used car with financing through American Credit Acceptance LLC. 
The purchase price was XXXX. I was led to believe I needed a bunch of add-ons in the amount of XXXX. The interest rate is 24.99 %. They told me not to be alarmed by those numbers. They said in a few months my credit would go up and I would be able to refinance at a better rate. I was XXXX years without credit so I believed them. 
My first payment of XXXX was due XX/XX/XXXX. On XX/XX/XXXX, I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX, On XX/XX/XXXX I paid XXXX. 
I relocated in XXXX from XXXX PA to XXXX PA because I got a new job. Technically my payment in XXXX was late because it was due on the XXXX. I contacted them in XXXX to make arrangements for payments until I could back on track after moving. They agreed. 
On XX/XX/XXXX, I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. But they still kept charging me late fees. I kept sending them money but somehow the payments were still late. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. On XX/XX/XXXX I paid XXXX. Today I called them again because they are still saying I am behind and still owe XXXX before I am caught up for XXXX. I asked them why the fees aren't coming off and I was told that I have to call to pay the fees separately. The fees are not deducted when I pay online. 
Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX Due XX/XX/XXXX XXXX Paid XX/XX/XXXX XXXX I have overpaid XXXX. Yet they claim I still owe XXXX before I am current. So when I make another payment on XX/XX/XXXX, I will have overpaid XXXX. Even if I subtract XXXX for late fee for every month, that only amounts to XXXX. But as you can see, every time I was caught up ( several times ) according to their website I really wasn't because the fees were not included in the total due. It said my balance was XXXX in XXXX so that is what I paid. Same in XXXX Balance due was XXXX. I paid it. In the mean time, they keep reporting my payments as late to the credit bureau and my credit is much worse than it was before. This is so deceptive. This company is a complete scam and ripoff. They can't even explain to me where these fees are coming from. The people I speak to on the phone are foreign and there is a complete communication breakdown.