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

After two-three months of observing my consumer reports by the named Credit Reporting Agency ( ies ) it has come to my attention that my consumer rights are in violation by the company reporting and the Company furnishing an account. Reason, FL DEPARTMENT OF REVENUE, the Company furnishing the information to the Reporting Agencies by non disclosed consent, FL DEPARTMENT OF REVENUE with the Credit Reporting Agency continues to furnish an account with adverse action making a significant harm to my credit profile. According to Fair Credit Reporting Act, fair and accurate reports should ONLY be forward to Agencies via the consumer by permissible written consent. 

The reporting of account XXXX ; XXXX ; XXXX : has caused severe damage to my credit character, my credit reputation and my general mode of living and my ability to obtain credit for personal purposes. Ultimately the reporting of the account and violation ( XXXX ) has damaged my livelihood and my ability to grow in commerce using credit. To add, I never gave FL DEPARTMENT OF REVENUE written permissible consent to furnish private information to a public reporting agency. To conclude, can the reporting agency ( ies ) or FL DEPARTMENT OF REVENUE provide any documentation with my signature to prove otherwise? Can the credit reporting agency ( ies ) provide the initial contract with my wet ink signature that I, XXXX XXXX XXXX of the XXXX XXXX XXXX, Estate gave, delivered and or made to the FL DEPARTMENT OF REVENUE to participate in Title IV-D granted funds? Can the Credit Reporting Agency ( ies ) prove what is Child Support, is Child Support a loan? Or, a Credit Transaction? And, if so can the reporting agency ( ies ) or FL DEPARTMENT OF REVENUE provide what loan or credit transaction I made on behalf of the Estate? 
I, XXXX XXXX XXXX, XXXX of the XXXX XXXX XXXX, Estate have all rights to privacy. The consumer reporting agencies have a great responsibility to report accurate information to my consumer report and they must respect my privacy as a consumer. 

XXXX. The account is not accurate, facts to be are the payment information is not updated. This is to deliberately cause harm to the profile, based on FICO computation, the irregular reporting will automatically cause damage to the report. Which significant change which is harmful.

2. I have a cease and desist letter in effect with the FL DEPARTMENT OF REVENUE.
Product: Checking or savings account

Dear CFPB Representative, I'm writing to file a formal complaint against SOFI bank regarding their failure to provide me with the direct deposit bonus promised on their website when opening a new account with them. The requirement was to have direct deposit of more than {$5000.00} in a XXXX days period to qualify for a {$300.00} bonus. I have XXXX XXXX refund from fedral and state gov on XX/XX/XXXX and XX/XX/XXXX, respecitively, with a total of {$5800.00} direct depoit. However, SOFI failed recognize them as direct deposit ( DD ) and SOFI customer service told me it actually should be DD and that they would submit a ticket for me. No ticket number was provided and I was not being told I have to wait until XXXX pay cycles ( XXXX months ) to receive a response. After reaching out to SOFI multiple times after the XXXX pay cycle ends, I was being notified that they will have a coding correction to recognize those XXXX XXXX as direct deposit but they won't go back to correct my transcation. A SOFI representative helped me filed an Bonus Exception inquiry but still gets declined. 

I tried my best to reach out to SOFI every time when they don't reach to me back as they promomised, and I'm truly disappointed on how my case was being solved. I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take approriate action. I would greatly appreciate your assistance in resolving this matter. 

Please feel free to let me know if I can provide more information. Thank you.
Product: Debt collection

My original home loan was with XXXX  XXXX XXXX. When the crash of XXXX happened I could no long afford my house payment and went into default. I had a first and second loan on the property. In XXXX when I was working again I did a loan modification with XXXX  XXXX XXXX. I assumed it included the second. I've been paying on the property ever since as it is my primary residence. In XXXX Real Time Resolutions contacted me threatening foreclosure because of the unpaid second load they obviously purchased from XXXX XXXX  XXXX. They could never furnish me a signed contract proving the balance I owe. And It is nearly double the initial amount. I dont have the money to fight this so I made an agreement to pay. I gave them {$2400.00} cash and agreed to payments of {$350.00} a month. In XXXX when XXXX hit I once again lost my job and income. I was able to make the house payments yet got a little behind on the RTR payments. Over the years I have tried to make the payments every month. I normally pay {$500.00}. Today I tried to log into the system to make a payment. I was locked out and told to call. I did. I was informed that all of my payments have been going towards the late fees and not the principal. And my property is being placed in foreclosure status again. I was told to submit a loss mitigation form and they will try to help. Which I did. Currently I can not access my account to see payments or balances. This place is operating illegally in my opinion. They cant even provide me with a signed statement proving I own them money. Nor can they explain why the balance is so high. I can not afford an attorney as I am barely surviving now. I need help.
Product: Credit reporting 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. 
XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, Capital One : XXXX, XXXX XXXX XXXX has violated my rights.

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.
Product: Credit card or prepaid card

I realized this inaccuracy on XXXX Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against and refused the following. 

I have called this company several times throughout this year and asked for the suspension on this account to be removed. However, I am being told over the phone, that Discover checks my Consumer Report every month. Yet, Im being denied a credit increase and Suspension removal. Discover Financial Services is also reporting to third party companies my private credit transaction information. I mailed a letter on XX/XX/ and have received no response. As a result, I have been denied mortgage loans and Auto Loans. 

According to 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I would like to inform that I NEVER gave consent to this report being furnished on my behalf and I am also aware of the fact that Discover Bank XXXX Discover Financial Services assumed a vital role. As a result, my livelihood has been adversely affected. 

There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. 

Further, pursuant 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. 

Therefore, this company has not only infringed my right to privacy but also denied me an extension of credit, reported in accurate information and violated multiple FEDERAL LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$830.00} ; XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$920.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX ; XXXX XXXX XXXX XXXX XXXX , ; MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ;
Product: Money transfer, virtual currency, or money service

My issue is with the mobile app Zelle. I have Zelle both personally and for my business through Bank of America however, the app has been very weird over the past few months not recognizing my business account, locking me out of my account repeatedly and making me create passwords over and over. I was also not able to verify where my funds were going and dispute if necessary. I dont have specific dates as this has been recurring over the last several months.
Product: Credit reporting or other personal consumer reports

XXXX continues its stance regarding the validity of their perceived permissible purpose, under the Fair Credit Reporting Act ( FCRA ), citing my application via XXXX as the proof. However, despite my repeated requests, XXXX has yet to provide conclusive documentation to substantiate their claim or refute mine. As a consumer, I have the right to understand the basis upon which my credit report was accessed and an unauthorized hard inquiry was placed upon it. The absence of such documentary evidence further exhibits XXXX 's lack of permissible purpose and adds to my concerns regarding the handling of this matter. It is imperative to underscore the legal parameters set forth in XXXX XXXX XXXX XXXX - a consumer report can only be furnished under specific circumstances, namely, with the written instructions of the consumer to whom it pertains. Given the absence of written instructions from me, the consumer, and XXXX 's refusal to provide sufficient documentary evidence, the permissible purpose remains absent and necessitates further clarification. Although an application for an extension of credit may fall within the 'credit transaction involving the consumer ' category, it is crucial to recognize that mere submission of an application doesn't automatically confer permissible purpose for accessing a consumer report. XXXX is required to obtain the consumer 's written consent and/or provide notice to the consumer regarding their intent to access their credit report for this purpose. No notice was sent to the consumer nor was written consent given by the consumer. Therefore, the mere act of submitting an application for an extension of credit does not grant the XXXX permissible purpose under the FCRA to access my consumer report without my explicit written consent. XXXX gained access and furnished an unauthorized inquiry to my consumer report without written consent, this is a violation of 15 U.S. Code 1681b. As per 15 U.S. Code 1681n, XXXX Financial is civilly liable to me for obtaining a consumer report without permissible purpose. While I appreciate XXXX 's effort in providing my application, it does not absolve them of their violations or their obligation to adhere to federal consumer protection laws. Given the seriousness of this issue and the impact on my creditworthiness, mental stability, and financial well-being, I urge the CFPB to investigate for full FCRA compliance XXXX Until then, I can't consider this matter resolved and reserve the right to pursue further legal action to protect my rights. I request the CFPB to investigate and ensure an amicable resolution for this violation, holding the institution accountable for failing to comply with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Checking or savings account

Citibank has been holding my funds and release my funds from my account. Unauthorized charges were charged to my account, I disputed the charges and then Citibank recommended my account for closure and will not release my funds or credit unauthorized charges. I have been calling daily since XX/XX/2020 and still have not received funds. Citibank is holding {$3500.00} of my money and will not give an update or help in anyway to release funds. I have read many comments with Citibank holding customers funds. This ridiculous and unacceptable.
Product: Vehicle loan or lease

Signed a lease agreement with XXXX of XXXX which was assigned to SE Toyota finance company The lease agreement clearly had a purchase option for the lessee if they chose For decades this allowed the lessee to trade the vehicle at any dealer they chose to buy or lease another vehicle Recently SET began an anti trust anti consumer practice allowing only Toyota dealers to continue this practice shutting out competition There is no disclosure in the purchase option of the agreement Instead they cite a clause deep into the agreement under subleasing. in Florida In Florida their are substantial tax benefits to trading in the vehicle In my case it was a little over {$2300.00} This practice basically forced me to go back to a Toyota dealer I believe the disclosure in the lease agreement was completely inadequate Clearly this is an anti competitive practice
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX to update my personal information and they refuse to do so. I do not receive mail at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have a right to an accurate credit report according to the FCRA laws. Remove immediately. 

I have only XXXX name : XXXX XXXX XXXX XXXX XXXX XXXX - Remove immediately! 
XXXX XXXX - Remove immediately! 

Please remove it immediately! 
Employers THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX -- XXXX I never opened an account with the company listed below. I asked them to send me information to validate this debt that bears my wet signature and they refused. 
By FCRA law, no collection account should have any past dues balances. If they can not produce the documents that validate the debt that they claim within 7 days, I will follow up with a legal suit. Because this is fraud. 
Please remove it immediately! 
Account info Account name XXXX XXXX XXXX XXXX XXXX XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$960.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX  Balance {$960.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$960.00} Highest balance - Terms 1 Months On record until XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX RE : Intent to file lawsuit, HIPAA Privacy Violation Validation Letter sent to : { XXXX XXXX XXXX } Account # Balances of XXXX and XXXX are unverified by this company To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

{ Creditor/Collection Agency } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX XXXX XXXX a resident of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Security Freeze Request : a. I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
b. This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID. 
b. A copy of a recent utility bill or bank statement confirming my current address. 
c. A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
XXXX. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXX XXXX  Amount {$2600.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX Amount {$11000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX  Amount {$1300.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX  Amount {$2600.00}. Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX  Amount {$3500.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX  Amount {$920.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX  Amount {$2000.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX Amount {$2400.00} Date XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX Amount {$100.00} DAte XXXX This is not my account this account was fraudulently opened in my name XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX XXXX  BAlance {$4300.00} DAte XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX Balance {$7500.00} This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX Balance {$2200.00} Date XXXX This account was fraudulently opened in my name. I am a victim of identity theft I have already provided my police report and ftc complaint. XXXX XXXX XXXX XXXX XXXX Balance {$2000.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received an letter from collection agency on XXXX XXXX Company name National credit system XXXX. XXXX  XXXX XXXX Georgia  stating that I owe {$3700.00} debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. In fact my lease was till XXXX and I informed to the Apartment management one month before ending the lease that i dont want to continue further I left the keys in there drop box on XXXX XX/XX/. After that I received the notice from collection agency that I owe money. The apartment management did not contacted me and did not sent any written letter that I owe some thing to them. After 4 months Im receiving letter form collection agency I called to XXXX XXXX the collection representative and told her I dont owe any money to the apartment people o Also asked her to send me the written explanation of this debt they did not sent me any information and they reported it to the credit Bureau.Now this debt is on my credit report which I dont owe.