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

On XX/XX/year> : My XXXX  made a check for me to deposit funds into Sofi account. Doing so, she accidentally gave me a check to a bank that didnt have the sufficient funds ( XXXX XXXX {$6000.00} ). Immediately, she went ahead and corrected the situation of making another check of the correct bank that DID have the funds ( XXXX {$6000.00} ). both checks were deposited the same day ( XXXX XXXX ). We were aware that the XXXXXXXX XXXX XXXX was going to bounce back within a few business days. On XX/XX/year>, the XXXX XXXX  check of {$6000.00} bounced back. But the XXXX check was fine and good to go. Funds were available on or around XXXX XXXX. After the event, on XX/XX/year>, my Sofi account was frozen by the company with all my funds and no ability to withdraw any money. Were coming on XXXX weeks now and still no solution. I have reached out to the company for updates over XXXX times and I continue to receive the same answer : your account is being reviewed/investigated by your assigned investigation team. A department that has no phone number available and operate solely on emails and system generations. I am currently extremely late on my bills due to this matter and have my hands tied behind my back. This is my last hope! 


*attached will be both checks deposited on XX/XX/year> front/back.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On Thu XXXX XXXX, XXXX, we received a text message from our bank ( USAA ) alerting us of fraud activity on our account. They asked to verify 3x charges. ( click y/n ). 

40 min later, 2x illegal wire transfers were initiated by the criminal and approved by USAA with NO authorization or awareness from myself or my wife. Each wire transfer ( {$5600.00} and {$5500.00} ) were to two different accounts with two different names. 

As of today, XXXX XXXX, XXXX, USAA will not give us any information to the account, account holder or bank to which USAA sent our money NOR will USAA respond to our attempts to get an update. 

The only correspondence I have had with USAA occurred on Thu XXXX XXXX, the day of the illegal wire transfer. A USAA customer service rep told me this was not USAA 's fault, they can not do anything to return our money, and that I should try asking the person the money was wired to return it.
Product: Debt collection

They contacted my family members multiple times, and my employees telling them I was in debt and that they were gon na sue me. They call very early in the morning. My family has asked to be taken off their list and they receive phone calls daily.
Product: Mortgage

1. Did not receive notice of the sale of loan to XXXX, from XXXX XXXX. 
2. Original Loan agreement did not stay in tacked when my loan was sold to XXXX. 
3. My loan changed to also include tax and insurance, which was not part of my original loan agreement. 
4. Incurred late fees due to the above 3 issues. 
5. XXXX sold my loan to Seneca. 
6. Paid to the incurred late fees, because I was unable to get them to honor my original loan. 
7. They said my loan was modified by XXXX XXXX, which I did not. 
8. Could not get the modified documents from XXXX. 
9. Even though I paid the incurred late fees, I 'm being bill a Corporate Advance Balance Fee, which never gets paid down. 
10. Seneca has of today has not given me itemized detail of the Corporate Advance Balance Fees. 
11. Because of the above I can not get my loan refinanced. 
12 Each time have called they say they will research and get back to me or send me the information, but I do not get a call back or the information I requested. And the info they do send does not make sense. 
I have been unable to attain or find a lawyer that understands this situation or even knows what the Corporate Advance Balance, response have heard of it.
Product: Credit reporting or other personal consumer reports

I discovered some unauthorized inquiries on my credit report today, and Im at a loss as to why this is happening. These discrepancies appeared out of nowhere when I checked, and even after refreshing my browser to rule out any glitches, the inquiries remained. I am requesting that the documents Ive provided be carefully reviewed so this issue can be resolved for good.
Product: Credit reporting or other personal consumer reports

This XXXX account has been on my credit report multiple times. It is fraudulent, it gets removed, a new debt collector buys it and it reappears. Now it is owned by Jefferson Capital Systems and reported on my credit even though the account is proven fraudulent
Product: Credit reporting or other personal consumer reports

XXXX is inaccurately reporting a closed collections account from Midland Credit Management on my consumer profile. Midland credit is reporting this account with missing important historical data along with an incomplete 7year reporting period from the original creditor. Missing the full 7 years of historical data while reporting partial or misleading information violates the requirement under the FCRA. If the account claims a date of first delinquency of XX/XX/2018 but omits payment history or fails to properly reflect the timeline of delinquencies leading to collections, it results in inaccurate reporting on my consumer credit file. The date of major delinquency/date of first delinquency as XX/XX/2018 accuracy is questioned since this information is missing. Midland Credit reports the incomplete account history of XX/XX/2018 but omits other required payment history details. This is a FCRA violation. It violates codes 1681s-2 ( a ) regarding furnishing accurate and complete information. This account claims a date of first delinquency of XX/XX/2018 but omits payment history/ fails to properly reflect the timeline of delinquencies leading to collections resulting in inaccurate reporting. This account was previously disputed but not properly corrected by Midland Credit on my consumer report furnished by XXXX. Failure to investigate or correct the missing data after my first dispute violated my rights under the FCRA law 1681i ( a ). Also, omitting the historical delinquency information or failing to align reporting with the first date of delinquency violates my rights under the Fair Credit Reporting Act laws. Lastly, please ensure that Midland Credit Management llc has proper documentation of ownership for this account. 

Possible Fair Credit Reporting Act violationsXXXX XXXX XXXX violations for this account may include : 1681e ( b ) ,1681c ( a ) ( 4 ) ,1681i ( a ) ,1681s-2 ( a ) 1681e ( b ).

Thanks
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 name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account nameXXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name:XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX  XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries on my credit report were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit XXXX XXXX act, this company has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have went over my credit report and I found account that are not mines from a XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXI do not recall doing any business with either company. I request to see some type of contract for business or paperwork until then pleae delete remove their accounts from my credit report they are not accurate. This is my official 609 ( a ) ( 1 ) ( A ) dispute that I demand a investigation and mail in a copy of something to verify these accounts on my XXXX XXXX, XXXX, Experian reports
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items that need to be deleted are listed in the report attached. I am a victim of identity theft and did not make the charge. 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 Affidavit. Please delete these items immediately.
Product: Credit reporting or other personal consumer reports

I stated to the representative... 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my credit report and noticed that the reporting companies where miss reporting information on my reports. I've reached out to them to correct these issues and have been told that they are not removing them. Examples listed below. 
this self-account ( XXXX ) is being reported as open by, XXXX, Equifax XXXX but closed by XXXX. and the balance is different by each one. 
This account ( XXXX ) is being reported with mis account balance information, by XXXX XXXX XXXX XXXX Equifax XXXX also being reported with mis account active dates. by all three, XXXX, XXXX, Equifax. 
This account ( XXXX ) is being reported with in correct information on the balances., by XXXX and Equifax. 
This account ( XXXX ) is being reported with in correct information on the last active dates., by XXXX, Equifax, and XXXX. As well as Equifax reporting different balances. 
This account ( XXXX ) is being reported with inaccurate information on the last active dates by, XXXX XXXX XXXX XXXX Equifax XXXX
Product: Checking or savings account

It has come to my attention that Wells Fargo has been rearranging debits and credits within my bank account in a manner which causes my bank balance to fall below {$0.00}. As a result, I have incurred two ( 2 ) Non Sufficient Funds fees in the amount of {$35.00} each for a total of {$70.00} in fees. Non Sufficient Funds fees occurred on the following dates : XX/XX/2018 for a transaction in the amount of {$220.00} and XX/XX/2018 for a transaction in the amount of {$18.00}. I'd like to point out that if the first Non Sufficient Funds fee from XX/XX/XXXX was not applied, there would have been sufficient funds in the account to cover the {$18.00} debit.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX vacation at XXXX XXXX XXXX @ XXXX XXXX XXXX, XXXX, XXXX XXXX and used my XXXX XXXX XXXX which is supposed to provide a 3 % reward when used for travel. When I received my statement I noticed that I was only given a 1 % reward so I called XXXX XXXX ( XXXX XXXX ) customer service ( XXXX ) and spoke with XXXX on XX/XX/XXXX and she said she would check into it and correct it. I then received 2 letters dated XX/XX/XXXX from Synchrony saying the cashed earned balance is correct as previously indicated with no explanation of why I was not given the full 3 % reward. On XX/XX/XXXX, I spoke with XXXX who said that the sale was coded as insurance at XXXX and that I would have to get them to change the coding. I spoke with my travel agent XXXX at XXXX, who passed the info along to the XXXX billing department who stated that the purchase was not coded as insurance but was coded as a retail purchase, which is what XXXX uses for all travel purchases, and they said they have not had any problems with any other customers not receiving the proper rewards from their credit card companies. XXXX also recommended that I send a copy of my invoice to Synchrony. I called XXXX/Synchrony customer service again and spoke with a Supervisor ( XXXX ) on XX/XX/XXXX to pass along the info that XXXX did not code the purchase as insurance, I also asked him if he was aware that XXXX was a travel agent and he said he does know that is one of their business lines. He also stated that he could not correct the issue but that I could send the invoice to the General Inquiry Dept. at XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX. I sent a letter of explanation and a copy of my invoice in the amount of {$12000.00} by certified mail and it was received by XXXX XXXX at that office. I then received an email from that address, dated XX/XX/XXXX asking for more info by mail or to call customer service at XXXX. I called customer service on XX/XX/XXXX and spoke with agent XXXX and Supervisor XXXX, who both stated that there would be no change. I also ask what further information they were looking for and they had no answer other that to say that the purchase would only receive the reward at the 1 % level. I believe that I should have received a reward of {$360.00} and was only given reward of {$120.00} meaning that they are they are holding back {$240.00} which the invoice that I sent to them clearly indicates that the purchase made was for travel.
Product: Money transfer, virtual currency, or money service

Navy Federal Credit union does not want to connect with XXXX XXXX account. If tells me my login info is incorrect but it 's not
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding old complaint XXXX, to XXXX XXXX, which XXXX replied to CFPB WITH A LETTER saying they will remove reporting from the 3 credit bureau, that was on their letter on XX/XX/XXXX. 
Starting XXXX  ON XX/XX/XXXX, found out that they didnt do anything They don't respect their promise, they don't care about customers like me although i am a customer since 8 years with 3 cars now, ALSO THEY DONT RESPECT CFPB.

I DID SEND 2 LETTERS, CALLED NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX without my knowledge and consent removed or deleted a closed XXXX XXXX credit card account from my credit report that was in good standing. This has hurt my Average Age and credit history length. 


That account # XXXX i did not give permission for XXXX to do this change. 

I also called about this several months ago, but the guy sweet talked me and tricked me into not disputing it. 

That account needs to be placed back on my report. if it was removed by error or confusion it needs to be replaced back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

In accordance with the fait credit reporting act XXXX  account number XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX United Revenue Corporation XX/XX/2020 {$1400.00} As stated in my previous dispute, United Revenue Corp is acting fraudulently with the consent of XXXX  in regards to my credit report. United Revenue Corp claims to have investigated and verified the alleged debt that I owe but according to The Fair Credit Reporting Act in Section 1681a ( e ) it clearly states that a legitimate investigation where any information regarding any consumer must be obtained through personal interviews with either myself ( the consumer ), neighbors, friends, or associates of the consumer. No such investigative actions have been taken by URC which is an illegal violation and false claim on their part. URC in response to my previous dispute has claimed and acknowledged that they are acting as a business associate ( which is a third party ) in an attempt to collect a debt which is also fraudulent. According to the Fair Credit Reporting Act If they can not provide evidence that they are the original creditor then they must cease all attempts at collecting the alleged debts. 15 us code 1692c also states that third party communication with a consumer in regards to collecting a debt is unlawful unless given prior consent by the consumer. URC claimed to have produced an itemized letter with a description of the charges being sought after, according to 15 us code 1681a 3 ( b ) there is a restriction in place to prevent from sharing medical information without the consumers consent even if there is an individualized list or description based on the payment transactions of the consumer for medical products or services. URC has also misspelled my name and addresses this debt to the wrong person in pursuit of the debt which falls under block of information as a result of identity theft according to US code 1681 c-2. Also, United Revenue Corp is indeed violating my Hippa rights as a consumer because although they may have fraudulently produced an itemized list with a description of the charges being sought after, they have failed to produce a copy of my Hippa transcript signed by me as the consumer and original creditor. This is a serious violation of The Hippa Privacy Act, several US privacy codes and fraudulent activity which can result in a hefty fine of up to {$10000.00} or more. As the original creditor and the consumer I would be within my rights to pursue litigation for every single violation named and unnamed in this dispute and to seek financial remedy for the unfair practices and abuse regarding my credit report. If all fraudulent collection attempted are not ceased then this will be the next course of action.