23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I requested Sofi to initiate a an investment brokerage transfer from another account in my name the transfer was completed however sofi placed a 30-day hold on the funds transferred I felt that this was inappropriate they did release the funds after a 12 or a 14-day review of the funds transferred I initiated a automated moderate risk investing in a brokerage account it's sofi instructed sofi to transfer funds into the checkng and savings account sofi cleared the account and did so. On the XXXX to XXXX of XXXX after their 14-day investigation of the of the the funds transferred into the sofi account it was cleared I had problems removing funds at XXXX XXXX  I was in contact with sofi support was instructed to delete XXXX from the XXXX a banking app and to reinstall it and to proceed with the checkout again resulting in seven denied transaction as a result of inability to I'm verified that verify the pin number resulting in a security breach and locking the account so if I refuse to lift a hold and or to explain why there's a hold on the account the account has been cleared after a prior 14-day hold and in less than 20 hours the account is now Frozen again and we are reaching day nine of of the new hold so if I refuses to allow me access and or to move and transfer funds to monitor the mortgage the brokerage account so I support caused the security breach by the seven failed transactions at Dollar general resulting in an incorrect password or PIN numbers and refuses to correct their error
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX 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 reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have disputed with all XXXX major credit bureaus erroneous information they are reporting on a charge-off account from XXXX. I will upload a form XXXX that was provided to me by XXXX as this debt has been Cancelled and forgiven. However all XXXX credit bureaus still continue to report inaccurate balances, past due balances and payments for the past XXXX years. I would like this account DELETED from my report, by all XXXX credit reporting agencies, as it is completely inaccurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company which is XXXX  XXXX XXXX has report incorrect information with the credit bureau. I never signed a contract and they never sent me a bill. They went through a third party and that 3rd party put me on the credit bureau which is TransUnion. They were the ones that refer me to FTC.
Product: Debt collection

They continue to call. I had to block the numbers. 

They also take money out of my bank account to cover the credit card debt without my authorization. 

I barely have any money but the little I do get, they transfer it out without my consent.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair credit Reporting ack.

The list of accounts below has violated my Federally protected Consumer rights to privacy and confidentiality under 15 U.S.C 1681 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  - 15 U.S.C 1681 seca602 1. states I have the right To privacy.

-15 U.S.C 1681 sec. 604 - Sec. 2 : It also states a consumer reporting agency can not Furnish a account without my written instructions -IS U.S.C 1681c. ( A ) ( 5 ) sec. States : no consumer reporting agency may make any consumer report containing any of the Following items of information any adverse item of inFormation, other than records of convictions of crime which antedates the report by more then seuen years.

-15 U.S.C 1681s- 2 ( A ) ( 1 ) person shall not Furnish any information relating to a consumer reporting agency it the person knows or has reasorable cause to believe that the information is inaccurate.
Product: Mortgage

NewRez purchased XXXX XXXX XXXX, with the acquisition close at some point in 2023. In XXXX of 2023 NewRez decided to make the transition, causing the " closing '' of my XXXX XXXX XXXX mortgage without replacing it with a NewRez mortgage, this has caused a drastically negative impact to my credit scores on both reporting systems. It is impacting my daily course of financial stability as credit card providers are now trying to reduce my credit lines because my credit score dropped drastically. This has caused massive harm to my personal finances and NewRez is not properly reporting to the credit bureaus. I am lost as a consumer and have no course of correction to my finances. NewRez has ruined me.
Product: Debt collection

TOOK NOTICE THAT SOME COMPANY BY THE NAE OF LVNV FUNDING PLACED AN ACCOUNT ON MY CREDIT REPORTS. I HAVE NEVER RECEIVED ANY INFORMATION FROM THIS COMPANY. NEVER RECEIVED ANY NOTICED FROM THEM AND THEY ARE SUPPOSEDLY COLLECTING ON BEHALF OF XXXX. I HAVE NOT HAD A XXXX ACCOUNT SINCE 2000. I CONTACTED XXXX AND THEY SAID NO THEY KNEW NOTHING OF THIS. SO APPARENTLY THIS COMPANY IS CREATING FALSE ACCOUNTS AND TRYING TO ROB CONSUMERS BY USING FAKE ACCOUNTS. THIS IS DISGUSTING.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cashapp ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am submitting this today to inform the credit Bureaus that I have been a victim of identity theft and to dispute certain items on my credit report. The items I am disputing do not relate to any transactions involving goods, services, or money that I have made or authorized. 
XXXX XXXX XXXXXXXX Balance : -, XXXX  XXXX XXXX XXXX XXXX : {$0.00}, XXXX  XXXX XXXX XXXX XXXX : {$0.00}, XXXX  XXXX XXXX Balance : {$700.00}, XXXX  XXXX XXXX Balance : {$1900.00}, XXXX XXXX XXXX XXXX XXXX {$9800.00}, XXXX  XX/XX/year>
Product: Credit card or prepaid card

On Saturday XX/XX/2019 I ordered a NetSpend Replacement Visa Check Card and the NetSpend Customer Service stated over the telephone that I would receive the replacement NetSpend Visa Check Card in 7 to 10 business days. I order the replacement NetSpend Visa Check Card because the one I have possession of is old and the magnetic strip on the card doesn't work properly.. Today is Monday XX/XX/2019 and I never received the NetSpend Visa Replacement Check Card in the mail I can only assume that it is stolen, held off, or was never mailed.
Product: Credit reporting or other personal consumer reports

I have disputed an XXXX account XX/XX/XXXX, XXXX, and XX/XX/XXXX. 
XXXX deleted the account in XX/XX/XXXX. 
XXXX deleted the account XX/XX/XXXX. 
Experian continues to report this account with inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX T Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

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 The following personal information is incorrect. The personal data reporting is inaccurate. 

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

Accordance with the fair Credit Reporting Act XXXX account # 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 602 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C s 1692b-4 : not communicate by post card ; 15 U.S.C s 1692b-1 : identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer 15 U.S.C s 1692b-2 : not state that such consumer owes any debt ;
Product: Credit card or prepaid card

I have a credit card ( XXXX ) issued by Boeing Employees Credit Union ( BECU ). I am a senior citizen, aged XXXX, and was victim of computer fraud. 

Immediately after I paid for these bogus services on XXXX XX/XX/2018 with my BECU XXXX card, I spoke with my son who advised me this was fraud and to go straight to the credit union to freeze all accounts and cancel all charges and ask for new XXXX. I did this immediately. 

I paid for bogus services with my BECU XXXX card and asked BECU to deny and/or reverse the charges. BECU has declined to reverse the charges. 

There was no pending charge for my old XXXX card when I/they cancelled my old BECU XXXX card. BECU opened a new BECU XXXX card, and the {$2700.00} showed up as a charge on my new XXXX after a few days. BECU should have denied that {$2700.00} charge as they were informed it was fraudulent 3 days before this fraudulent charge showed up on my new BECU XXXX card. BECU has denied my claim as I paid for bogus services " willingly ''. I disagree, I thought I was purchasing a service. 

When I use my XXXX card, I trust that any fraudulent charges will limit my responsibility, especially when I advise the bank within hours of this fraud. I am asking for your assistance in getting the {$2700.00} charge reversed on my BECU XXXX. 

There is an active police investigation that has all the specific information about this fraud, please contact XXXX County Sheriffs Department, Case # XXXX. Their telephone : ( XXXX ) XXXX. 

I gave this Police Case information to BECU fraud investigators but they told me they will not contact the Sheriffs Dept to get details on this crime. I believe BECU is also taking advantage of a senior citizen with their " rapid-fire '' telephone questioning of the particulars of this fraud case instead of written communications. It is confusing for most seniors to talk with BECU investigators on the phone, much easier to understand written words and then I could think about them and reply. The investigators use terms I am unfamiliar with. 

Please advise if you can assist in reversing the charge on my BECU XXXX which was taken from me by fraudulent means.
Product: Debt collection

I recently applied for a home equity loan and the credit check showed that i owed XXXX to a company called portfolio recovery. I called the company and they told me the charges came from a XXXX XXXX XXXX. I told them i never applied for or owed such a card. I informed them that the account was associated with an address that i rented back in XXXX for XXXX  months. The purchases were made from a XXXX XXXX XXXX  store back in XXXX my only child was XXXX XXXX XXXX at that point i had no reason to buy toys and games from XXXX XXXX XXXX. I did received calls possibly from them regarding this issue but none of what they said seemed valid or sense to me. I thought the calls were a scam or spam. I told them to send information regarding this .i filled it out and mailed it back to them. I heard nothing from or about XXXX XXXX until i applied for the loan in XX/XX/XXXX. I also contacted XXXX credit and XXXX back that sold the account to Portfolio recovery. I informed XXXX back that i never had any credit cards associated with them and they confirmed that. There representative told me they would take care of this matter but apparently never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal information was affected by the referenced Equifax Data Breach. Attached is a notarized affidavit of dispute along with supporting documentation as proof.
Product: Credit reporting or other personal consumer reports

These accounts have been showing up on my credit report for months, causing me a great deal of stress. All Im asking is for you to verify whether these accounts actually belong to me. The inaccuracies have been damaging my credit score and costing me financial opportunities, which in turn, holds me back from pursuing my dreams.
Product: Credit reporting, credit repair services, or other personal consumer reports

I simply disputed two of my XXXX XXXX credit cards that have not been accurately reporting the correct balance and recent payments that I had been making to my Experian credit score. What instead happen is when I filed the dispute, being the fact that when Experian reached out to them they did not reply within 30 day, my two credits cards which are still currently active and in GREAT standing were removed from my Experian credit score. My score also dropped due to the removal. I am VERY UNHAPPY about that and this situation as a whole, I simply wanted my credit cards current status to accurately be reported but they were instead removed. I need this FIXED ASAP and what I mean by fixed is my two XXXX XXXXXXXX accounts to be appear back on my Experian credit score and at the end of each cycle and preferably refresh with the most current information and payment history at the time. I would also like to be anointed the points that I lost back for this error if that is even possible.
Product: Payday loan, title loan, personal loan, or advance loan

2 years ago, in XX/XX/XXXX... I was given a {$2000.00} line of credit by XXXX, old name for American Express blueline of credit .... In XX/XX/XXXX, after that I used those {$2000.00} and paid them back. I requested an increase of this line of credit, since I was in dire need of it ... the representative that I spoke to, deny me that request and also deny my request to speak to a Manager or Supervisor... I called a second time, and that was the same reaction ... one other competitor at that time, requested that I pause my current line of credit, in order for them to allocate me a bigger one ... when I call them to explain this or to talk to a manager. I was advised to close my line of credit and to apply with that Competitor...

During the heated exchange, because I was frustrated that I could not get to explain my concerns to a manager... The representative told that the ball stops with her, and if I was not happy, I was welcome to leave and close my line... Notice, during the whole conversation, she never told me that, agreeing to close my line, if I could not speak to a manager.. will block me from ever applying a line of credit with American Express in the future, which is part of the protocole..

On my hand, since my goal was to be able to build good rapport and business relationship with American express in order to move from {$2000.00} line of credit, all the way to {$250000.00} over the year for my business... I would have never closed my line of credit if I was told this disclosures... I was not told so, and my line was closed by the agent... 

It was until 6 months after, around XX/XX/XXXX, when I came back, I was told that I could not apply at this time. This year, XXXX since XXXX I have been trying to get my line of credit back that was illegal closed from me because the representative at this time, did not like the way, I was defending my right on the phone during our heated exchange ... and she purposely withdraw the disclosure from letting me know, that there is an internal policy that will block me from reapplying. 

" They could check the record of this conversation as proof .... " Since XXXX, this is my XXXX XXXX attempt from getting someone from the corporate office or management to investigating what happen to me, and to bring me justice and give me back my line of credit, instead of illegally refusing me credit subjectively... I can not find anyone in this business who want to the take the accountability that I was given the wrong information and my line of credit was not close properly and there was no disclosures notices provided to me. 

I want my line of credit to be restored to me, and I want to apply for an increase based on the new financials records of my business. This is not too much asking when I was victim of discrimination during this exchange becayse, I told that representative that she was disrespectful... She proceed to close my line of credit without informing me of the closes of such actions. I want to gain access to my line of credit again. Please
Product: Vehicle loan or lease

I had asked for an extension on my auto payments. I had asked to delay 3 months of payments. Luckily, I didn't need to extend my loan. I noticed a discrepancy on how my payments were being applied. They over charged me interest on my last three payments. 

Date Days Between Payment Correct Interest Amount Overpaid Amount XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX Total amount that needs to be applied as principle {$87.00} I Called BBVA today ( XX/XX/2021 ) to fix this issue but they did not want to help
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Dispute Regarding Late Payments on Account # XXXX Dear CFPB, I am writing to formally dispute inaccuracies in my credit report concerning the account with XXXX XXXX ( Account # XXXX ). After a thorough review of my records, I have identified discrepancies in the reported late payments for XXXX, XXXX, and XX/XX/year>. To the best of my knowledge and documented payment history, these payments were made on time. 
Details of the Account : High Balance : {$2900.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Date Reported : XX/XX/year> Date Opened : XX/XX/year> Balance Owed : {$0.00} Account Status : Paid Payment Status : Late 90 Days Supporting Evidence : I have attached copies of my payment records demonstrating that no payments were late during this period. 
Enclosed is a detailed copy of my credit report highlighting the errors. 
As mandated under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), information reported must be accurate and verifiable. I kindly request that you reinvestigate this account and provide : A description of the procedures used in your investigation.

Documented proof of the late payments, including dates and amounts.

If you can not substantiate the late payments, please update my account to reflect its accurate status as " Paid As Agreed Never Late. '' Failure to address this matter promptly will be considered a violation of the FCRA. 
Thank you for your immediate attention to this matter. I expect a response within 30 days, as stipulated by the FCRA. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to remove a address on my account related to fraud, and they giving me a hard time to remove the address associate with fraud..
Product: Credit reporting or other personal consumer reports

i have identified information on my report that are result of identity theft these accounts do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations