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

The Sofi bank XXXX is still flawed after XX/XX/year> lawsuit. Sofi XXXX is actively allowing scammers with false identity to make accounts. Sofi still has a failed XXXX  process that enables address theft and identity theft. Immediately after creating an account, Sofi will allow you to change your address out of state or to anywhere, without any verification needed of new address. Sofi accepted a forged identification card from someone who has escaped felony charges.

Through Sofi 's negligence, scammers convince civilians with false pretenses by first freezing the victims card, texting then calling them by bank phone number about a pending wire transaction that needs to be reversed. Criminals then tell victims that the funds will be transferred back to their account since the account has the victims home address, and the false identity is of a branch manager. Terrorist financing is made simple with Sofi. How many more innocent victims will have their lives ruined through Sofi 's failed XXXX? Sofi needs to take accountability for their overly relaxed fraud prevention measures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  on equifax and XXXX  shows late 7 times which i was not i want this removed off my credit report -
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Equifax has violated my rights by having : XXXX XXXX XXXX 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 XXXXXXXX # XXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a goodwill letter to XXXX/XXXX XXXX because I had some late payments. In that letter I ask for forgiveness of the late payments which were due to lack of employment. Instead XXXX/XXXX XXXX reported on my credit bureaus that I was disputing the late charge. I am not disputing the late charges - please see attached letter showing my request. When XXXX/XXXX XXXX reported a dispute to my credit bureaus it took my FICO credit score down 3 points - is that legal? I did not dispute anything and yet XXXX has damaged my credit further. I hear about XXXX XXXX damaging many peoples credit with their practices. I repeat a goodwill letter was sent to XXXX/XXXX XXXX - not a dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned in my lease for my XXXX XXXX XXXX with GM financial on XX/XX/XXXX. On XX/XX/XXXX, I called GM financial to inquire when I would be receiving final amount due on the lease. They informed me that the payment had yet to be determined but I would be receiving a letter in the mail when it was finalized. On XX/XX/XXXX, I called in again to ask the status of the final amount due and was told that a letter had been sent to my previous address with a due date of XX/XX/XXXX. I asked for and was granted a 30 day extension from the XXXX to allow time for me to receive a new bill and to respond. On XX/XX/XXXX I received an electronic copy of the bill. I mailed a check with the full amount of {$2200.00} on XX/XX/XXXX. GM financial processed the check and the money was debited from my account on XX/XX/XXXX. On XX/XX/XXXX, I received a notification from my credit monitoring service that the account had been reported as 30 days delinquent. A couple days later, the delinquent account status was replaced by a late payment derogatory mark. 

I have been corresponding with GM financial throughout the process. Their processes are slow and ineffective. On XX/XX/XXXX, they claimed a 30-45 day turnaround time to remove the mark. They promised a letter would be issued within 5-7 business days to allow me to show potential creditors that they were correcting an inaccurate report on my credit. As of this writing on XX/XX/XXXX, they have not yet done this. After yet another phone call, they are asking for another 5-6 business days to send out the letter. Meanwhile, my credit score has dropped 84 points from XXXX to XXXX. I no longer qualify for top tier automotive lending solely because of GMs incompetence.
Product: Debt collection

I spoke to XXXX on in XXXX to settle the debt. I agreed to draft {$100.00} on XX/XX/XXXX, {$100.00} on XX/XX/XXXX and my notes indicate {$68.00} on XX/XX/XXXX. On XX/XX/XXXX {$100.00} was drafted, on XX/XX/XXXX {$100.00} was drafted, and on XX/XX/XXXX {$170.00} was drafted. The original debt was {$360.00}. I agreed that I might of misheard the {$68.00}. I typically keep owed debit payments below {$100.00}. I agree the agreed upon may have been {$160.00}, however I did not agree upon {$170.00}. XXXX denied my claims and the manager denies the claim even though my notes indicate otherwise. 

The statement that the payment over drafted my account was completely inaccurate. My account was never over drafted and I never indicated that it over drafted my account. The reason for submitting my complaint is the false information this company gave and the continued false information they are providing. I verified the amount for the final payment however this company refuses to verify that XXXX confirmed the exact amount that would be pulled from my account. I will keep escalating this matter until they provide proof of this conversation that took place. All I am asking for is to listen to the conversation to confirm what was said.
Product: Mortgage

I spoke to CSC Logic about paying off my loan and told them it would be paid off before the end of XX/XX/2020 ( which I've made all my payments on time and even worked with them on a covid deferment ). I asked if there would be any additional charges if the loan was paid in full by months end and they said XXXX extra charges. Guess what, they charged me and extra XXXX. I phoned them again today and asked for them to return the extra charges and they said no, we're allowed to charge what we want. Well that is not fair. 

XXXX
Product: Credit reporting

I had a federal tax lien of {$42000.00} filed on XXXX at the XXXX XXXX County County Recorder.The case # is XXXX.the lien was then paid in full and released on XXXX. I sent the IRS my request to have the lien withdrawn and received a form XXXX withdrawal. I contacted all XXXX credit bureaus to remove the lien from my public record. XXXX and XXXX did it promptly. Equifax did not. I disputed it with Equifax and sent in all the documents they required. They sent me back a final notice that the lien is still in my public record, However they are using the public record from XXXX, NOT the final XXXX from XXXX showing it is '' XXXX Withdrawl '' from the IRS . The final document number on file is XXXX dated XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

my identity was stolen and was used to apply for accounts that I personally DID NOT apply for. there are hard inquiries from varies company that has stolen information with out my signature or my consent. 

XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Bank of America XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

The mortgage company delivered false and inaccurate information regarding the status of the mortgage related to foreclosure. Lender denied multiple formal requests to apply for FHA mandated Partial Claim to allow for delinquent amount without any review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent via certified mail to Transunion that they are in violation of 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL ( b ) Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave Transunion any written consent to report anything on to my consumer report, no consent is identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( COMENITYBANK / VICTORIA ) has violated my rights. Under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the pandemic, my business revenue fell to nearly zero early and mid 2020. I contacted all creditors to make payment arrangements. During this time the Cares Act obligated creditors to report accounts as current ( or not to report any delinquency ) during the pandemic as long as I was in touch and worked out arrangements. Which I did with all creditors. However, three creditors DID report delinquent payments on my XXXX  and XXXX  credit reports, significantly impacting my rating and score.

These three creditors include XXXX, XXXX, and Wells Fargo. When I found this out I disputed the incorrect data directly with Transunion and Experian. They did not take any action to correct it. Then I contacted each one of the credit card companies to ask directly to correct these mistakes and NONE of them have gotten back to me. They have not even responded on way or the other. This has been over the past few weeks. I have not received any letters or emails with a resolution. Since conversations about this were by phone, I do not have any documentation directly from the credit card companies other than the data from them my XXXX  and XXXX  credit reports. 

Specifically, XXXX reported me 30 days past due on XX/XX/2020 on both XXXX  and XXXX. XXXX reported me past due on XX/XX/2020 on both reports. Wells Fargo was the worst, they reported me XXXX past due for three months in a row : XX/XX/2020, XX/XX/2020, and XX/XX/2020 on both reports. My XXXX  report is correct and shows no erroneous reporting.
Product: Credit reporting or other personal consumer reports

The company ( s ) is reporting fraudulent, inaccurate information on my credit report
Product: Money transfer, virtual currency, or money service

They deposited a check for {$690.00} XX/XX/year> into my bank account and made the deposit via mobile phone. They took the money from me and the check was returned due to alteration/fictitious. and that is not my signature.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting

I had submitted a complaint : Case number : XXXX regarding XXXX XXXX XXXX Account number XXXX. Equifax responded " Equifax has reviewed the complaint and its records. The disputed XXXX XXXX XXXX Account number XXXX account is currently not reporting on the credit file. Written confirmation was mailed on XXXX/XXXX/15. " A review of my Equifax credit report on XXXX/XXXX/2015 reveals that Equifax continues to report this account with payment history of " Unknown XXXX XXXX Days Late ''
Product: Credit card

According to Chase on XX/XX/24 XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, using phone numbers ( XXXX ) XXXX & ( XXXX ) XXXX, attempted to open a credit card account in my name with her as an additional cardholder. On XX/XX/24 Chase called me ( apparently she has all of my information ) to verify that I agreed to this account, and I informed them that I had never hear of this person and I do not want to apply for anything. Apparently they've stopped their process so will see where it happens next.
Product: Debt collection

XXXX  has reported to a collection agency ( Amsher Collections ) in XXXX XXXX that I owe money on a mobile service account. The account does not belong to me, it belongs to a company, XXXX XXXX XXXX, where I was formerly employed. The account is a business account for XXXX XXXX XXXX, but for some reason XXXX  is claiming I am responsible for the account balance, even though I was just an employee who worked there. I believe the balance on the account is from XXXX. 

I have been trying to get this worked out directly with XXXX for 5 months and have not gotten anywhere, despite calling multiple times and spending hours on hold and talking to different representatives. This is significantly impacting my credit score. 

It should be very straightforward to clear this off the collection agency and my credit score, yet XXXX is going after me instead of XXXX, XXXX for some reason. And XXXX is not doing anything to assist with the problem either. Looking for help.
Product: Credit card

I received and activated Citi Costco Visa card. It was supposed to replace XXXX XXXX card. My XXXX card stopped working and Citi Visa although activated successfully - is being declined by all merchants. All calls to Citi result in the message : " We experience a large volume of calls. Call us back some other time ''. I tried calling and emailing Citi for last 24 hours to no avail. I am traveling today and unable to pay for food, transportation, lodging or basic necessities as I traveled with only XXXX and Citi cards.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing regarding my account with Westlake Financial, referenced in the attached document. Please note that I am not disputing this account. Instead, I am requesting clarification and specific details related to its history for my records.

Specifically, I would like to request the following in

formation : 1. The date of first delinquency for this account.

2. The date of last payment made on this account.

3. The date of charge-off for this account.

Providing this information will help me maintain accurate personal records. I would appreciate your cooperation in furnishing these details promptly. If there are any forms or processes required for my request, please let me know.
Product: Credit reporting or other personal consumer reports

Subject : Ongoing Dispute with TransUnion - Demand for Deletion of Inaccurate Information To whom it may concern, In my prior CFPB complaints, TransUnion has provided false and misleading information and failed to comply with Section 1681i of the FCRA. This ongoing dispute has caused me significant emotional distress, and I am demanding that TransUnion delete the inaccurate information from my consumer report. 

Please see the attached documentation for reference. 

As dated this XX/XX/year>. 

Thank you. 

Sincerely, XXXX XXXX All Rights Reserved UCC 1-308
Product: Credit card or prepaid card

In XXXX of 2023, I tried to make a payment ( s ) to my capital One account ( s ) and my bank ( for what ever reason ) declined the payments. Capital One closed both of my accounts, with out informing me, Then they keep trying to charge me for those accounts and hurting my credit score. when they closed my accounts i had a total debt of around {$500.00}, and now have raised the debt to {$1200.00} for no reason. They keep charging me for a service they refuse to provide. I can not pay in good faith for a service they will not provide. After numerous attempts, Capital One refuses to assist me to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a certified letter to TransUnion On XX/XX/20 disputing a fraudulent joint account that was posted to my credit report from a company named XXXX XXXX XXXX XXXX XXXX XXXX TransUnion has not replied to my certified letter requesting verification that this joint collection belongs to me in over 45 days. TransUnion has failed to provide any documentation to prove this account belongs to me or was opened or requested by me. No documentation of a signed contract or any other documents provided or supplied to me for review from TransUnion. 
My credit report has no inquiries from this company further proving this is a inaccurately reported debt. 
The collection company reported this debt as a joint collection account to TransUnion credit bureaus without providing prior notice to me allowing me to request the designated 30 day period to dispute the account and request verification.
Product: Credit card or prepaid card

TOTALLY unacceptable. They did not get that I am the ping pong ball between them and XXXX. XXXX tells me its Goldman and Goldman says its XXXX one knows or wants to address this issue! Seriously, they are tell me to back into the rabbit hole that initiated this complaint. Their response is as simple as calling their customer service. Seriously these are supposed to be educated people and that was the best they could do??????? oh, lets me look up the account.hmmmm, I dont see XXXX XXXX name on the account,,, ,were good???????? Ridiculous. I will not relent until I get an intelligent explanation. Goldman Sacks and XXXX have a partnership in this matter and I need one smart person from either mega institutions to figure it out. 

1st Complaint ID- XXXX
Product: Debt collection

On XXXX XXXX agent XXXX from Afni collection agency called us and tried to collect money, we told him that we dont want them to contact us by phone or mail because we are in no dept and the has is in dispute, this keep badgering us about we should pay them money, my wife told him that we are disputing this dept he still insist with the credit bureau we hang up the phone, my wife then check with the credit bureau 's and at that time she realize that this credit agency made report to the XXXX bureau 's within fifteen minutes of the conversation with them.
Product: Checking or savings account

On XXXX XXXX a Citizens Bank account was opened in my name fraudulently. I recieved an overdraft notice to my address sating the account was overdrawn and an amount was due. I called Citizens bank the same day XX/XX/23 when I received the notice and found out my identity had been stolen and someone opened an account under my name. Citizens Bank opened an investigation to close the account and start a fraud case on my behalf.
Product: Credit reporting

I had a security lock removed from Experian. I have a letter from Experian that permanently removes the security freeze. I recently applied for credit and was told that Experian once again has a security freeze that will not allow any creditors to check my credit. An Experian Rep. stated that I put another security freeze only account. This is absolutely not true. I would never, ever put a freeze on my account again. Experian refuses to remove the freeze immediately. This is going to cause problems with a company that is trying to check my credit now. I hate Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued receive in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

DEPT OF ED/XXXX  XXXX {$19000.00}
Product: Debt collection

Transworld Systems Inc, acct # XXXX placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports. I never receive written notification of this alleged debt at my address
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding reports the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, 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. 


Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX Account XXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX  Account name : XXXX  XXXX Account Number:XXXX Account name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.