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

XX/XX/XXXX Once again complete lack of response from XXXX 

On XX/XX/XXXX I received a notification from the CFPB regarding complaint ID XXXX indicating that the complaint lists someone the company does not recognize as their customer or their customers authorized representative and XXXX requested my authorization to investigate. My authorization was promptly given via the CFPB website. Since, I have received no response from XXXX  regarding this investigation. In my dealings with XXXX they have exhibited a history of evasiveness, stonewalling and complete lack of response, including not responding to multiple inquiries of the WV State Attorney General as well as refusing multiple requests to send my complete file as required by section 609 of the FCRA. Specifically but not limited to I want to see the entire history of inquiries with end users especially after the excessive activity of SOFI Financial. 

And to make matters worse, in XXXX of XXXX I received suspicious emails that appear to be from both XXXX XXXX XXXX and XXXX XXXX indicating a security breach and that these accounts would be closed if I didnt respond. The thing is these accounts were closed over ten years ago. My question is, has XXXX or SOFI ever provided my information to employees of XXXX XXXX XXXX, XXXX XXXX or any other financial institution? 

Furthermore, the response from SOFI on XX/XX/XXXX is total nonsense. Though they are unable to locate an account for me they have accessed my data 30 times as indicated by the XXXX  online reports. XXXX says they have only done 3 soft pulls over this time period and want me to contact XXXX regarding these inquiries. But SOFI says, according to our records, we have sent 27 mailers to your address I have never once received a mailer from SOFI or meet their client profile. 

Considering the evasiveness, lack of response, excessive and clear irregularities, I need some answers from both XXXX  and SOFI. If I dont receive within 15 days answers to these questions I will make certain that this file crosses the desk of the Enforcement Division of the Consumer Financial Protection Bureau and if that is not good enough we will move the FTC. 

XXXX  I want my complete file which is my right under FCRA Section 609, as of the effective date of the last complaint and as the section requires Identification of each person ( including each end-user Second, have you provided my information to anyone employed at XXXX XXXX XXXX, XXXX XXXX or any other financial institution not listed on my online report? If so what was their legitimate purpose in accessing my financial data? 

SOFI, since you have such historical detail regarding accessing my XXXX  data, and considering XXXX does not want to fulfill their obligation, tell me how you got my social security number, and when did you start sending me mailers and accessing my data? Lastly, have you provided my information to anyone employed at XXXX XXXX XXXX, XXXX XXXX or any other financial institution? 

I look forward to your response. My identification is attached,
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} NCB ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$10000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never agreed to open a credit card named " SYNCB/XXXX XXXX ''. I made my last purchase from XXXX XXXX last winter, but I remembered clearly the seller said it was in discount. Then I had a XXXX  XXXX account, but I did not open a credit card. Also, I never received any card from that store and never even use it for purchasing anything. I realized it was closed and said I had a balance unpaid which was not true at all. It hurt my FICO credit score a lot and decreased my credit score a lot.
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agencies Subject : Request for Deletion of Unverified XXXX XXXX  Collection Account Dear Credit Reporting Agencies, I am writing to formally request the removal of a {$5200.00} collection account from XXXX XXXX that is currently being reported on my credit file. I previously disputed this account with XXXX, and after their investigation, it was deleted from my XXXX report as of XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. Since XXXX, a major credit reporting agency, has completely deleted this account, it raises serious concerns about its accuracy and verifiability. As such, if XXXX determined the account to be unverified, you are legally obligated to do the same. 

Furthermore, under FCRA 609, I have the right to request verification of any account appearing on my credit report. If you can not obtain proper verification from the original creditor within 30 days, per FCRA 611 ( a ) ( 5 ) ( A ), you must promptly delete the unverifiable account.

If this account is not removed within the legally required timeframe, I will exercise my right under FCRA 616 and 617 to pursue legal action against your agency for willful or negligent noncompliance. Additionally, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

I expect written confirmation of the deletion within 30 days of your receipt of this dispute. Please consider this my final request before taking further action. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XX/XX/XXXX account showing on my credit report that does not belong to me. I have disputed this multiple times and the credit reporting agencies says this account has been verified as an accurate charge off account. I DO NOT UNDERSTAND how this can be verfied as accurate. I contacted the original merchant from the phone number listed on my report but they have no information to help me either. How can the credit reporting company validate something that is not mine and prevent me from trying to resolve matters on my credit profile. This has been going on way to long and I want this account deleted from my credit report.
Product: Credit card

I booked a XXXX hotel stay in XXXX through Capital One XXXX XXXX XXXX XXXX, paying {$1900.00}. However, when I arrived at the hotel on XX/XX/XXXX, they informed me that my booking had been canceled without notification. Despite my calls to customer service, they offered no assistance, instead asking me to pay for the hotel in person and promising reimbursement upon checkout. Due to the hotel being fully booked, I had to secure a new room for 4 days and then switch to another room for the remaining 3 days. Capital One XXXX XXXX failed to help me, and I lost both time and money. Furthermore, they deducted XXXX miles from my account, which I had earned from the initial booking ( 10x miles for hotel bookings ), and I didn't receive any miles for the new booking made in person. The customer service experience was appalling, with a supervisor yelling at me and threatening to hang up. I had to resolve the issue myself, resulting in a horrible experience with Capital One XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRES AND COLLECTIONS ARE REPORTING FRAUDULENTLY ON MY CREDIT REPORT FROM TRANSUNION, XXXX, XXXX AND OTHER THIRD PARTY CREDIT REPORTING COMPANIES ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX NXXXX 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: Debt collection

I am having them contacted by XXXX XXXX XXXX because it has been over seven years and the debt should be closed and rehashed to keep up with me and stalk me. The dollar amount is XXXX.
Product: Debt collection

XXXX agencies, Enhanced recovery collection and ERC. They insisted on me to pay the amount. The creditor is XXXX company. XXXX denied because it has no account information in the system. suggesting me to file ID theft. or dispute it at XXXX credit bureau.
Product: Checking or savings account

My Bank of America account was charged a {$35.00} fee on XXXX XXXX 2017 for an overdraft of {$170.00} on the same date which brought my account to a negative balance of - {$210.00}. On XXXX XXXX 2017 the account was still overdrawn for that amount when I came in as I always do to cash my paycheck of {$710.00}, expecting to pay off the negative balance and take the rest out in cash, but the representative told me she would be unable to cash my check. I explained that this is unusual and asked why and she replied that it was the system not allowing me to cash the check. The best she could do was give me {$200.00} of my check. I said no thank you I will go cash it else where out of frustration for no being able to have access to my money as I needed the funds so I choose to the other local branch just down the street.Unfortunately it was just closing but I had the opportunity to speak with a representative who said the end of the business day was XXXX XXXX for those ATM at the branch, so if I did not want to incur an other {$35.00} extended overdraft fee I could still deposit my paycheck which was important to me as well. So I chose to deposit the check and had then expected to be allowed to use {$200.00} of my check deposit and instead falsely stated I had {$300.00} available now of which $ {$60.00} was the only amount I managed to withdraw. When went online to get a better idea of what was going on since the receipt would not show my available balance and why the bank held funds that are usually treated as cash I found nothing to justify it. The only transactions at the time was the same as it I was required to pay as I did on the XXXX of XXXX 2017, and could have been deducted immediately after deposit my check via ATM or even by phone as long as it was before XXXX that day. My online Bank of America account stated on XXXX XXXX 2017 a deposit for {$710.00} was made of which {$300.00} was availble now and {$410.00} was being held as credit pending to cover items posted on the XXXX XXXX 2017. The account reflected a {$300.00} credit to my account which should have been avail now and was not. I believe I should have been able to cash my paycheck as always. After bringing the account out of negative status should I have received the remaining portion of my check ( {$490.00} ) if there was nothing else that could have been pending at that time as there was no existing transactions or any type of authorizations from the time of the overdraft date and had no reason to prompt such a hold.
Product: Consumer Loan

My wife a nd I purchased a new vehicle. We went through Wells Fargo for our loan. Less then a month later, we refinanced with our credit union. Wells Fargo signed off on title and sent a letter releasing the lean. After a month went by, we received a bill from Wells Fargo that we owed them money. I contacted Wells Fargo and tried to resolve the issue. I informed them that we received letter of release and that Wells Fargo was not on title anymore. They said that we still owed them money and it needs to be payed. I stated that my credit union payed off vehicle and they where new lean holders. I informed them I was not paying. I asked for a manager and she was completely RUDE! They reported to all credit bureaus that i was late on payments a nd this dropped my credit over  XXXX  points. They also sent us to a internal collections. I 'm still trying to resolve issue at this time. I have submitted disputes with credit bureaus. this is a very long and stressful process! I am absolutely apald hoe they can destroy my credit so easily and not care that we have evidence to back our self up.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require us to remove any incorrect accounts from my credit report. Could you examine the documents? There are inaccuracies in some of the listed accounts, such as incorrect amounts and dates.
Product: Vehicle loan or lease

I had a car loan and checking and savings account with Wells Fargo. I'd like to know if I am owed money. If youre eligible to receive money, Wells Fargo is required to notify you. I have not been notified and am unsure if they have my info.
Product: Vehicle loan or lease

Confirmed on XX/XX/24 that my wire transfer and odometer reading form were received. Spoke with XXXX employee # XXXX who confirmed this information and said title and bill of sale would be mailed this same week. XXXX said it would take up to 10 days for me to receive the title and bill of sale. Called Infiniti on XX/XX/24 after not receiving title and XXXX  and they told me to give it more time. Called Infiniti on XX/XX/24 and was told that information was mailed and there was nothing Infiniti would do to rectify this situation. I asked to speak to a manager, I asked the manager to overnight me the title and XXXX. She said Infiniti will not over night this information and I needed to wait another two weeks for information to arrive. If i didn't receive the information by that time Infiniti would request another copy of the title, which could take another two weeks, and would send it regular mail again despite regular mail not working in the first place. The manager said they will not over night and when I said I wanted to speak with her boss she said her boss will not get on the phone and that " I was out of luck and would just have to wait '' My registration is expiring in one week, I paid for this car almost one month ago, I need to re-register this vehicle because the current registration show Infiniti as the owner. This is a deceptive practice, as they have my payment in full, and I am in jeopardy of getting a ticket or being denied any insurance claims because my registration is invalid. The reference number I was given for this transaction is XXXX. The wire transfer was paid to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX and deposited at XXXX XXXX XXXX XXXX  on XX/XX/24 in the amount of {$21000.00}. The phone number for Infiniti CS that I called is XXXX.Please help.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

XX/XX/2023 XXXX XXXX  garnishment my bank account under fraudulent identity theft and well past the statue of limitations for the state of Kansas I have filed police report today XX/XX/2023. Case number XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is reporting an open account on my credit report I havent given them or anyone else to use my credit they need to remove this account immediately Account name : XXXX Fair Credit Reporting Act 15 USC 1681 section 602
Product: Checking or savings account

In XX/XX/2023 Wells Fargo reported errors in transaction processing, resulting in thousands of customers paychecks not being processed. Wells Fargo however does early payday, and still processed my check, resulting in my balance showing my full XXXX dollar paycheck. 

I paid my credit card off using the balance they said was available ( which is also a Wells Fargo Active Cash card ) and I was charged a cash advance to the same credit card, resulting in a XXXX dollar cash advance for overdraft protection to my checking account. 

However, at no point was my account overdrawn due to the fact they had errors in processing, and my paycheck cleared per normal. I was told by a Wells Fargo executive representative to resubmit the cash advance overdraft protection as a payment to my credit card to solve the issue. 

Now I am being charged interest in the cash advance that they claimed would be fixed by resubmitting the payment that was allotted to my checking accounts for overdraft protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Bank XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX 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: Payday loan, title loan, or personal loan

XX/XX/XXXX Purchased Hearing Aids from XXXX XXXX  through Ally Lending for {$7500.00}. XXXX XX/XX/XXXX Notified Ally Lending I was returning the hear aids so the money could be returned to Ally lending, Ally Lending assigned a dispute case # XXXX and a case manager XXXX XXXX. I tried to return the hearing aids in person but XXXX XXXX refused to take them back and refund the money. I sent them back with a certified letter and I sent the hearing aids back by registered mail. I sent all receipts to Ally lending along with the reasons for the return. Alley denied my request. 
My only income social security {$10000.00} a year. 
I have sent a complaint to the attorney genera : file # XXXX XXXX XXXX XXXX email : XXXX XXXX XXXX XXXX third party XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2023 PNC was notified that XXXX has pulled out of the state of Florida for home owners insurance. Despite them receiving a new policy to pay that I signed, they still paid XXXX a premium, for a policy I would have never had. They received a quote from XXXX insurance and paid that premium without my authorization. Then the insurance that I signed up for, they decided to pay them twice. All by the time it was XXXX. I received the check from XXXX and deposited it back into my PNC escrow account on XX/XX/XXXX, but they said it will not hit my account until XXXX. I found out about the additional payment to XXXX XXXX on XX/XX/2023. I had to speak to two people in the insurance department before someone would finally put a stop payment on the check since XXXX XXXX already cashed the first one and had not received it yet. That also will not hit my escrow account until XX/XX/XXXX. They have done absolutely nothing to fix this and put the entire responsibility on the consumerme. They then reported this to the Credit Bureau saying that I took money out on my home changing my total balance with them. Over {$13000.00} of a difference on the balance I owe on my home. This has dropped my credit score. I have to wait until XX/XX/XXXX to then have to call them, ask them to re-evaluate my escrow account. Once I do that, I then have to call the mortgage department for them to call the credit bureau and explain what happened to they can edit my credit score. PNC has made numerous payments on my behalf without my authorization. They were never going to fix this without me finding it. They were not authorized to change my balance. Then they wrongly charged me additionally for hazard insurance until I had to make them look at my insurance policy to find I did have hazard. At that time they had THREE policys on my account and still said I didnt have hazard insurance. PNC customer service is pointless. Their departments are pointless. They make massive mistakes and require their customers to do all the work for them to fix it.
Product: Money transfer, virtual currency, or money service

My family moved to XXXX  from XXXX a few months ago. Our checking account is currently still with Truist Bank in XXXX. We had a home closing scheduled on XX/XX/2022. At XXXX XXXX I called Truist to arrange a wire transfer of funds for my account in XXXX to the XXXX title company that we be conducting the closing. I was advised that I would need to appear in person in XXXX  to request the wire transfer. I explained that I was currently in XXXX and could not appear in person. After numerous conversations and waiting over one hour on hold to speak with the customer service agent ( who was in the XXXX and was not fully trained on XXXX banking policy ) I made attempts to reach the Truist corporate office in XXXXXXXX XXXX. Nowhere is there a contact number for the corporate office. All roads led back to the customer service office in the XXXX with more lengthy waits. Truist should have a procedure in place that allows a customer to provide sufficient identification and be allowed to submit a wire transfer request either online or by telephone. As soon as I am able to receive the funds needed to complete the closing on our new home, all Truist accounts will be closed. This is another example of a big bank not caring about its customers even in an emergency.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. I lost a total of {$1200.00} on XX/XX/year> at XXXX, by a fraudulent seller and cash app refuse to help me resolve any issues to grant me my refund. Due to the lack of communication, I wasnt able to recover.

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 XXXX financial loss, and I seek appropriate redress for these violations.