23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

All four major credit bureaus have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
45 U.S. Code 231k - Incompetence ( a ) Every individual receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall be conclusively presumed to have been competent until the date on which the Board receives written notice, in a form and manner acceptable to the Board, that he is an incompetent, or a minor, for whom a guardian or other person legally vested with the care of his person or estate has been appointed : Provided, however, That, regardless of the legal competency or incompetency of an individual entitled to a benefit administered by the Board, the Board may, if it finds the interest of such individual to be served thereby, recognize actions by, and conduct transactions with, and make payments to, such individual, or recognize actions by, and conduct transactions with, and make payments to, a relative or some other person for such individuals use and benefit. 
( b ) Every guardian or other person legally vested with the care of the person or estate of an incompetent or minor who is receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall have power everywhere, in the manner and to the extent prescribed by the Board, but subject to the provisions of the preceding subsection, to take any action necessary or appropriate to perfect any right or exercise any privilege of the incompetent or minor and to conduct all transactions on his behalf under this subchapter or any other Act of Congress now or hereafter  administered, in whole or in part, by the Board. Any payment made pursuant to the provisions of this section shall be a complete settlement and satisfaction of any claim, right, or interest in and to such payment. 
give it to you in ( A ) and take it away in ( B )
Product: Debt collection

Source receivable management along with XXXX XXXX trying to get a debt paid from stolen merchandise I dont have a police report for the XXXX XXXX phone because it was an inside job with a dishonest XXXX worker Source receivable management should speak with the company who sold them the debt and provide me with Proof that I did or didnt receive the rebate for the phone to pay XXXX XXXX  which I did not. Source receivable also has a non working email address for XXXX XXXX fraud dispute so the letter that was sent was made by source receivable management in an attempt to bully me into paying the debt and NOT doing its due diligence in finding out if the debt is mine.
Product: Credit card

I am writing to formally dispute the resolution of my claim regarding the unauthorized transactions on my SoFi credit card account ( Case ID : XXXX ). Despite providing clear evidence and promptly reporting the fraudulent activities, my claim was denied. This letter aims to reiterate my situation, request specific information, and urge you to reopen and reconsider my case. 

Summary of the Case : Timeline of Events : XX/XX/year> : Last valid transaction. 
XX/XX/year> - XX/XX/year> : Suspected fraudulent activity period. 
XX/XX/year> : I requested to change my phone number from XXXX to XXXX. 
XX/XX/year> : Fraudulent transactions detected, reported, and dispute initiated. 
XX/XX/year> : Received SoFis letter dated XX/XX/year> regarding the investigation. 
XX/XX/year> : Received a letter dated XX/XX/year> stating the investigation concluded no error occurred. 

Fraudulent Transactions : The transactions between XX/XX/year> and XX/XX/year> are fraudulent and should have been flagged and removed. 
These include, but are not limited to 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 Total disputed amount : {$3900.00} ( excluding the XXXX XXXX and XXXX transactions ). 

Additional Information : Discrepancy in Alerts : On XX/XX/year>, I received text messages regarding fraudulent charges and confirmed they were unauthorized. SoFi claims eight alerts were sent, but I only received six for the same charge of {$530.00} to XXXX. If I denied the charges, why were they processed? 

XXXX  Transactions : - I have dealt with XXXX before, but never for amounts like the {$530.00} charge on XX/XX/year>. Valid transactions before XX/XX/year> were under {$5.00}. I did not use XXXX after XX/XX/year>. 

Incorrect Inclusion of Valid Transactions : - Transactions before XX/XX/year> are valid and should not have been included in the fraudulent charges. Please refer to my original call for accurate details. 

Delayed Notification : - I did not receive the letter sent on XX/XX/year> until XX/XX/year>, giving me little time to respond. SoFis decision on XX/XX/year> to deny my claim was made without allowing adequate time for my response. 

Immediate Response to Denial : - I emailed SoFi on XX/XX/year> with the requested information as soon as possible. These emails are timestamped ( see attached screenshots ). 

Inconsistent Fraudulent Case Details : - Transactions from XXXX XXXX and XXXX before XX/XX/year> should not have been included in the fraudulent case. This was communicated during my initial call with SoFi.
Product: Mortgage

Fifth third bank is not willing to delete escrow- requested to have an appraisal done. Was advised the appraisal request will be mailed to mailing address. The form was never mailed. Every-time I call to speak to someone about the appraisal form we are told it was mailed to you please wait 5-7 days. 
Initial request for appraisal XX/XX/2020 2nd request XX/XX/2020 3rd request XX/XX/2020- Spoke to another supervisor who stated - no appraisal form Was sent.
Product: Credit reporting

LETTERS SENT TO VARIOUS CREDITORS ON XXXX2015 AND NO RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : I XXXX XXXX XXXX am working on my own credit and I authorize the CFPB to receive info on my behalf so I can keep record for Law suit purposes if you do not honor or refuse to process my request. 

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX N/A XX/XX/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, credit repair services, or other personal consumer reports

Factual data sheet attached. CFPB XXXX : XXXX Re : XXXX See attached the factual sheet : XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX and XXXX Full XXXX XXXX Last XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Former Address : Social Security # : XXXX Home Phone : XXXX Date of Birth : Work Phone None Employer XXXX Spouse Name XXXX Spouse Social Security # XXXX Credit Report Dispute / Account XXXX XXXX Section Company Name : XXXX XXXX Account XXXX XXXX XXXX XXXX Not XXXX account XXXX XXXX XXXX Was never late XXXX XXXX XXXX XXXXAccount paid in full XXXX XXXX XXXX Current status incorrect -- -- other -- -- -- Dispute Explanation : This account was paid in full Company Name : Company Name : -- -- -- - Current status incorrect -- -- other -- -- -- Dispute Explanation : Company Name : Courthouse or Collection Agency accounts : XXXX XXXX XXXX XXXX XXXX number for courthouse records only -- -- Not Mine ( explain ) -- -- -- Satisfied -- -- -- Released -- -- -- -Dismissed -- -- -- XXXX -- -- -Collection was paid -- -- -Other ( explain ) I certified that all information above is true and factual. 
Signature XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. Telephone XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Telephone XXXX Experian XXXX XXXX. XXXX XXXX XXXX, TX XXXX. XXXX XXXX
Product: Credit reporting

There was a small case suit against me in XX/XX/XXXX, as which, this was never placed on my credit files. The case was handled in mediation. The final payment was made in XXXX XXXX ; and now XXXX XXXX this has been placed on my credit files with all major credit bureaus. I am seeking help in reference to finding out why the major credit bureaus waited 5 years later to place this on my credit files? Why? I am hereby asking that XXXX be removed from all major credit bureaus because this was resolved in XX/XX/XXXX in mediation and was paid off in XXXX XXXX. It seems as though the credit bureaus of retaliating against me due to the many disputes I have submitted based on the laws. I am crying out for you to assist me in getting this public record removed from my files ASAP.
Product: Credit reporting or other personal consumer reports

My consumer rights have been violated for the last past year I've been disputing an inaccurate account # XXXX XXXX XXXX XXXX. 

Account # XXXX This account has multiple violations however they failed to put in a comment section on my consumer report that it has been disputed. This is a violation of the FCRA. 

Please delete this Account Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In recent review of my Transunion credit report, I noticed that a dispute that I submitted in XXXX of XXXX was not investigated properly. 

I originally disputed 4 late payments ; 2 from XXXX XXXX and XXXX from XXXX XXXX. I indicated that I had never been late and asked Transunion to investigate this reporting. I have never heard back from them and as of XX/XX/XXXX these late payments are still reflecting on my credit report. 

There are 2 accounts for the Dept of EdXXXX, and both accounts are reporting inaccurate late payments. ( See attached )
Product: Student loan

I keep getting billed while I was in attendance and before my 6 months grace period of repayment. I also graduated and I have a 6 months grace period before paying off any student loans and I am getting billed. I got billed before I even walked at graduation. I am now getting a bill that I am 60 days delinquent. My school XXXX XXXX contacted Navient during the semester and after graduation, they send a letter and updates the clearing house information to reflect my graduation date. They also offered me a deferment which will add as interest is applied instead of honoring my 6 months grace period. The companies are Navient and their guarantors XXXX. I am on a 6 months grace period, repayment begins in XX/XX/2023. I am getting harassed by their guarantor credit debt collector agency XXXX and Navient. There was a news briefing about Navient in a lawsuit settlement for using sneaking tactics like offering deferments instead of reasonable and legal options for students. Please resolve this issue as I didnt even walk to graduation and receive a diploma yet and they started billing me. I called the guarantor and they stated they are not responsible for input of status that Navient is responsible to apply the status to the account. I called Navient and they did not apply my current status to the account however on the phone which is quality control and recorded the representative did say she sees my information updated by XXXX XXXX  on the clearing house database. Phone calls were made to Navient in XXXX and XXXX and phone calls to the guarantor was made in XX/XX/2023.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. They told me to wait 180 days and its been pass that. I also called the department to find out what was the release date which they said it was XX/XX/2021. Its XX/XX/2021 and still no updates. I have called the customer service number and spoke with the supervisor and they just informed me ti just keep check on my email because the department that has that information they cant contact them. My email linked to my PayPal is " XXXX ''
Product: Money transfer, virtual currency, or money service

On XX/XX/19 I went through the drive through service at M & T Banks XXXX  and XXXX Branch and submitted a check number XXXX for my checking account ending in XXXX for {$940.00} and a deposit slip for {$840.00} of this money to be deposited in cash into my checking account ending in XXXX and when I received the receipt from teller Ms. XXXX XXXX my {$840.00} was not made available to me when I asked that the funds be made available she stated that she couldn't and stated her boss Mr. XXXX XXXX agreed. So I went inside the bank and her boss reiterated this to me stating this was the banks procedure that I had to wait until midnight to have access to my money. So I told him this was not correct and asked for all my paperwork back and told him I would take the transaction to the XXXX and XXXX Branch where I opened up the accounts. Mr. XXXX then said he would sign the check to give Ms. XXXX the ok this time but in the future I would have to wait until midnight to gain access to my money. When I contacted the XXXX branch I was told by Ms. XXXX that the Branch Manager Ms. XXXX XXXX was not available but I could write to the Regional Manager Mr. XXXX XXXX and Ms. XXXX would forward the letter to him via email and she said she did not have any other contact information to give me on Mr . XXXX. On XX/XX/19 I wrote the letter to Mr . XXXX   which was emailed to him by the XXXX Branch and to date I have not heard from him, although Ms. XXXX said the letter was emailed to him and a copy was sent to Ms XXXX. I also sent a message to customer service on XX/XX/19 and it was deleted from the system, I also spoke with Ms. XXXX a supervisor at the Customer Service department and she was very sympathetic but limited as to what she could do other than document my concerns and maybe someone would call me. I am very concerned that I am being denied access to my money and no one seems to care for today this issue has not been addressed so I would appreciate your help in correcting this matter so that I can go to this branch which is very near my home and make these transactions so that I have access to my money, which I always had in the past even at this location.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus states my account was properly investigated but that is impossible if the open date is inaccurate, the high credit is inaccurate, the date last reported is not accurate, the date last active is inaccurate, and the date of last payment is inaccurate. This is ground for removal, they also violated my rights under : 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 Also states responsibilities of furnishers of information to consumer reporting agencies. 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.

Also the credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking number # XXXX, # XXXX, # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I purchased a cabinet from XXXX XXXX  in XXXX, Mo. The rep offered a payment plan that would not use my credit if I paid off my balance in 90 days. The process involved verification of a bank account only. I paid off my balance in one month. Now I find that the purchase has been reported as a XXXX on my credit report lowering my credit score. I contacted both the store and American First Finance to ask that the XXXX be removed from my credit report ... XXXXthey refused. 
I feel they are actively deceiving consumers to get them to apply for credit they may or not need.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I received an unsolicited check in the mail from Security Finance in the amount of XXXX Dollars. I called the number on the check to confirm that the check was real and it was an offer for a loan. I accepted the loan and deposited the check in or around XX/XX/XXXX. To date, I have made all payments on time. I received a postcard from Security Finance stating I could receive extra funds if I " refinanced my loan ''. On XX/XX/XXXX I went to the XXXX store and asked to refinance my loan. At that time, I asked XXXX XXXX if they would be pulling my credit, as I was concerned about a hard inquiry. XXXX stated it would be a " soft pull '', and it would not affect my credit. Manager XXXX XXXX confirmed that it would not hurt my credit. I immediately received an alert that Security Finance had obtained a hard copy of my credit report. I asked why XXXX told me they would not do a hard pull, and she stated " sorry I didnt know :. XXXX further went on to state " you will get the points back when you make your first payment ''. On XX/XX/XXXX, I attempted to make a purchase with the XXXX app. I was denied the purchase, the reason stating " credit utilization rates ''. Upon checking my credit report, I noticed Security Finance had closed my previous account and opened a new tradeline on both my XXXX and XXXX reports. They listed my account as having a balance of XXXX, with a credit limit of XXXX, showing my account as over limit. I called the store and spoke to XXXX, who stated she didn't know why that would be. After calling the corporate number, I was told the District Manager would call me back, and no one has called. Further, the customer service agent was rude and stated " thats just how it works ''.
Product: Checking or savings account

I was a client of Wells Fargo and had many issues with that company. First they lied about my savings account. Then they would hold onto checks for longer then necessary which led me to overdraft fees that they would not credit. They charged abnormal overdraft fees. I once had fraud reported on my account and they told me oh well and to deal with it
Product: Bank account or service

Several months ago I opened an account at the US Bank XXXX XXXX XXXX, AZ on XXXX XXXX. I was told that I would have a maintenance fee free account if I had a direct deposit. I knew that I was getting my SSI check in several months, so opened the account. There is a variety of banks in the area, chose this one for location convenience but would not have opened the account if I had been told that the direct deposit had to be over XXXX dollars. I started getting my SSI checks, asked the bank to correct the charge and then was informed that it was n't going to happen. I feel that the representative lied to me knowing that I would not have opened the account if I knew that there would be a fee and that once the SSI check was direct deposited, it would be too complicated to make changes to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my credit file that still says I owe, this is inaccurate, untrue, and needs to be removed. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I WRECKED MY CAR ON XX/XX/XXXX. AFTER 7 WEEKS OF WAITING FOR REPAIRS TO BE DONE BY XXXX XXXX XXXX XXXX XXXX. XXXX SC, THEY TRIED TO SELL ME A NEW CAR TO REPLACE MY WRECKED ONE. IN DOING SO WITHOUT WRITTEN OR VERBAL PERMISSION THEY RAN A CREDIT CHECK FOR AUTO LOANS WHICH IMPACTED MY CREDIT SCORE WITH 6 HARD HITS. THIS HAS LOWERED MY SCORE ALMOST 20 POINTS WITH EQUIFAX. I AM DEVASTATED TO FIND OUT THIS CAN STAY ON MY REPORT FOR MORE THAN 2 YEARS. I HAVE NO IDEA HOW TO CORRECT THIS. PLEASE HELP ME.. 

Hard inquiries 10 Inquiries We noticed a lot of hard inquiries Hard inquiries from things like credit applications can stay on your report for up to 2 years, but their effects tend to fade over time. 
Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX  XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries because these are suspicious. 

XXXX, XXXX, XXXX and XXXX XXXX XXXX
Product: Mortgage

My husband recently retired from the military and received a 100 % XXXX rating from the VA. In our state, this entitles us to no longer have to pay property tax. Our mortgage company is refusing to apply this to our account because our county won't provide a " tax bill '' showing a XXXX balance. Our county has issued us a letter stating that we are no longer required to pay the tax and are exempt for 2021 and going forward. However this is not good enough for the mortgage company, which is ridiculous, because a bill is not going to be any different than a letter. They refuse to talk to us on the phone about the issue, won't call our county to verify and basically just want us to keep paying the property tax amount which is going into our escrow account and won't be used. They have not provided any way other than a XXXX balance tax bill to resolve this issue, but our county has told us that they don't even generate bills for those who don't owe property tax, so there will never be a way to provide the information they are requesting. I am so frustrated trying to deal with them.