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

Several times spoke with agent online about the account and the status. Was making payments during the pandemic and they closed the account. Upon closing, they sold account to collection company. They then sent me a payoff amount. I later found that they are still reporting account as active and being late and with a high balance on my credit report. 

XX/XX/XXXX XXXX - XXXX XXXX L ( ChargeOff ) Alert from : Experian A Charge-off occurs when a creditor considers a debt to be 'uncollectable. ' Once a Charge-off is initiated, the unpaid debt is shifted to a non-receivable bad debt. From here, the creditor can either continue to report the entire amount as debt obliged to them or they may try to recoup some of the debt by selling it to a collections agency at a reduced price. Once sold, they must report the fact that the debtor no longer owes them a debt by updating their reporting to {$0.00}. However, the entire debt remains with the collection agency until paid. 

XX/XX/XXXX XXXX - XXXX Revolving Utilization Alert from : Experian You're using a high percentage of your available credit, which can hurt your scores. Keeping your debt usage under 30 % is best. Reduce debt usage by paying down your balance or increasing your limit by adding a new credit line with XXXX. 

XX/XX/XXXX XXXX - XXXX Revolving Utilization Alert from : Experian You're using a high percentage of your available credit, which can hurt your scores. Keeping your debt usage under 30 % is best. Reduce debt usage by paying down your balance or increasing your limit by adding a new credit line with XXXX.
Product: Debt collection

I spoke to the company and provide documentation that I had other insurance. I filed a small claims writ and summons against the company to appear in court. The company never sent a debt validation or any policy documents obtaining my signature of insurance acceptance from progressive which is mandatory by state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. She was notified Barclays Bank of a fraudulent application submitted with her information without her consent that left a fraudulent inquiry on her XXXX, XXXX and XXXX credit reports XX/XX/XXXX. An official dispute of this was mailed to Barclays Bank XX/XX/XXXX however as of this date Barclay has failed to provide an update or resolution of the investigation. This is a violation of the FCRA and my clients consumer rights.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these ITEMS under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed ITEMS get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I called and closed three of my CDs with Marcus by Goldman Sachs on XX/XX/2021. Two accounts totaling approximately $ XXXX were closed and the funds were returned to me. It should be noted that promised wire transfer dates were not adhered to and required my constant follow up. As of XX/XX/2021 a third account has not transferred on promised dates even with follow up on my part. XXXX is will promptly open an account but will does not respond well to requests for account closures. I had a medical emergency that I required my funds for and XXXX was completely unsympathetic and unsupportive of needs. Never again will they receive a single XXXX of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a bankruptcy that is not listed on any other credit reports, XXXX doesnt have it listed nor XXXX have this account listed! by law they are supposed to do a actual investigation, they keep reporting they received this information from XXXX XXXX, I contacted XXXX XXXX, on XX/XX/2023 the representative stated their werent any request from any credit reporting agencies for my file to receive this information for a dispute, I also contacted the Clerk of Courts received a letter from The Clerks office that stated they do not provide any info to be reported in my name nor do they provide any information ever for anyones credit report. Experian has violated the law so they need to delete THIS INACCURATE bankruptcy ACCOUNT ASAP!. Have them furnish the request with the specified date of every investigation & when XXXX XXXX gave them information that they actually did an investigation or reinvestigation. Experian is violating my rights as a consumer under the FCRA and this account needs to be deleted ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$420.00} ; WXXXX XXXXXXXX Balance : {$450.00} ; XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/scrub>XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of ________ These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Complaint Against Sofi Bank for Misleading Information and Privacy Concerns To Whom It May Concern, I am writing to formally file a complaint against Sofi Bank regarding their misleading practices and handling of personal information during the process of opening a checking account.

According to the information available on Sofi Bank 's official website, it is stated that individuals can open a checking account by providing a passport or other forms of identification. Based on this information, I submitted my personal details and identification documents to initiate the account opening process. However, upon submission, I was informed that only a U.S. passportstate ID and driver liscen would be accepted as valid identification for this purpose.

This discrepancy between the information provided on the website and the actual requirements is misleading and has caused significant frustration. I believe this practice not only misleads consumers but also raises serious concerns about the handling of personal information, as I provided sensitive data under the assumption that it would be used appropriately in accordance with what was advertised.

It is my belief that Sofi Bank 's actions constitute a deceptive practice that may be in violation of consumer protection laws. I am particularly concerned about the potential misuse of the personal information I submitted, as I feel that I was misled into providing sensitive data based on inaccurate representations.

I urge you to investigate this matter and take appropriate action against Sofi Bank to ensure that they adhere to fair practices and protect consumers from being misled in the future. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

SincerelyXXXX 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

two inaccurate and fraud account are reporting under my name in my equifax credit reporting agency, these two account i have never had or applied. these are opened without my knowledge, i never approved.

i will be attached the FTC report and the police report that i had provided to equifax as well but they are not considering helping me at all, they have asked so many questions that it is so hard to go through their system. please help me out here, you are my last hope i do not have money to get a lawyer and followup. i need you r help thank you
Product: Credit reporting or other personal consumer reports

I obtained another credit report once i was denied an apartment back in XXXX XXXX XXXX. I then sent in a letter to try and clean up the misrepresentation. I spoke with someone on the phone after trying to dispute the accounts on the app. All accounts came back as verified. I then asked cant I have proof of how they came to their conclusions, because the accounts were still reporting inaccurate. But According to the FCRA, ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So another report was pulled on XX/XX/2024. Still no changes only many inaccuracies on the report. Told them late payments were illegal an to update all collections account to paid never late pertaining 15 USC 1681a ( 2 ) ( a ) ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This also violates 15 USC 1681s ( 2 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The vehicle was paid off since XXXX and it has been showing on XXXX XXXX system since XX/XX/XXXX. They illegally repossessed my vehicle and placed unauthorized charges on my credit report and I reported it to the IRS, FTC and to the CFO ; XXXX XXXX of XXXX XXXX XXXX. My vehicle is still showing paid off. I have giving this information to the Credit Bureau and it still showing on my Credit report. I am respectfully requesting the Credit Bureau to remove this inaccuracy, fraudulent, and false identity thief reporting off my credit report immediately.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit reporting or other personal consumer reports

My account is being reported 60 days late for the month of XXXX and XX/XX/2024. That information is incorrect because payments were made on XX/XX/2024 and XXXX XXXX via autopay. The account was paid on the due date automatically. They continued to report it 60 days late despite payment. They are reporting false information. Supervisor I spoke to said the system automatically reports but they would have change status. Then she reversed the late fees because payment was not late. Attached you will see what she said accurately being presented.
Product: Checking or savings account

Hi, i have an account with chime bank since XXXX, I traveled to XXXX last month and after three weeks while in XXXX i found two unknown transactions ( withdrawals ) on my account from an Atm in New York on XX/XX/XXXX for {XXXX} so i called the bank and i told them that wasnt me and that im in XXXX and i have my card with me in my hand so they told me its a fraud and we will cancel your current card and send you a new one and we will open an investigation and will return the money back in 10 business days, after 10 days they sent me an email that the investigation is closed and my dispute is denied and I wont get my money back so i called them to ask why and i told them that i have all the proofs that im in XXXX and my card is with me, how come someone else use it in New York .They told me that this is their final decision and they wont give me my money back.
Product: Credit card or prepaid card

Pursuant to 15 USC 1601, economic stabilization would be enhanced and competition amongst financial institutions would be strengthened by the informed use of credit. I am attempting to avoid the uninformed use of credit, and to protect my self, the consumer, against inaccurate and unfair credit billing and credit card practices.

Pursuant to 15 USC 1681, The banking system is dependent upon fair and accurate credit reporting. I have been discriminated against as a consumer, the natural person.

Pursuant to 12 CFR 1002.7, I applied for an extension of credit through XXXX XXXX and Synchrony Bank in good faith and was denied. XXXX XXXX and Synchrony Bank accepted my credit card ( social security # ) initially during the application process but I received no benefit for this consumer credit transaction. It is unlawful for a creditor to discriminate against any applicant with respect to any aspect of a consumer credit transaction done in good faith. I can not find where it is lawful to be denied for the reasons that were provided to me in the adverse action letter. 

Pursuant to 15 USC 1681b ( a ) ( 2 ) XXXX XXXX and Synchrony Bank determined my creditworthiness via a third party affiliate, XXXX. XXXX XXXX, which I did not give written instructions to give reports on me. Further, this consumer reporting agency has never contacted me so this constitutes identity theft ( unauthorized use of credit card ) considering the fact I, the consumer, have never spoken to XXXX. XXXX XXXX personally. 

Pursuant to 15 USC 1681b ( c ) ( 1 ) ( A ) and 15 USC 1681b ( c ) ( 1 ) ( B ) ( ii ), Whatever has been reported on my behalf to XXXX XXXX and Synchrony Bank was never authorized by me, the consumer. Furthermore, XXXX. XXXX XXXX is not compliant with 15 USC 1681b ( c ) ( 2 ) ( e ).

Pursuant to 15 USC 1611, XXXX XXXX and Synchrony Bank has willfully and knowingly furnished me false and inaccurate information in regards to this extension of consumer credit. I know I am the original creditor and it is a right GRANTED to me and shall not be denied.
Product: Money transfer, virtual currency, or money service

i was scammed for XXXX XXXX  tickets multiple times. they would show me the ticket that i would buy then not send it. sent money through paypal friends and family because they asked to get the money right away. im out hundreds of dollars that i can not get back. they would also lie and say the payment was never received and that they would refund it for me XXXX  as well which is attached in my bank app.then when i requested the money back they we no longer available
Product: Credit reporting, credit repair services, or other personal consumer reports

IhaveanaccountonmycreditreportforEquifaxthatisnotmyaccount.Thisaccountwasopenedupwithoutmyknowledgeandisfraudulent.Theaccountislistedbelow.

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

I printed my consumer reports for XXXX, XXXX, and Experian. After reviewing all XXXX reports I noticed there are several inaccuracies on the report. I reached out to each of the credit reporting agencies to give my instructions on the corrections I demand to be made. They have refused to follow my instructions in Pursuant 15 USC 1681b ( a ) ( 2 ) written instructions of the consumer to whom it relates and this is a direct violation. Not only are you impersonating a bureau in which you assumed the role. You also have taken over my report and allowed any and every company to do whatever without consulting me at all. Are you doing business with these companies in order to ruin my credit or reputation? Are they paying you to place fraudulent information on my report? Remove hard inquiry XXXX XX/XX/2022, PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX, NC XXXX, Remove Account # XXXX and Account # XXXX. Correct the late payments on every XXXX XXXX and XXXX account on my consumer report.
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove the following account XXXX XXXX XXXXXXXX account number : XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate. from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Checking or savings account

I deposited a check and chase said they need to verify it and it will take until XX/XX/2023. 

I waited and on the XXXX I checked and my account was still locked, I called the fraud dept and they said I need to verify the check. I went to chase bank and verified the check with the person that gave it to me. They said its too late and my account is closed already
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$300.00}.