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

I, XXXX XXXX, am addressing multiple violations of the Fair Credit Reporting Act ( FCRA ) that have directly impacted my credit report. Specifically, I am disputing the following issues : Willful Noncompliance ( FCRA Section 616, 15 U.S.C. 1681n ) : Credit information about me was accepted without proper verification of its accuracy, which constitutes willful noncompliance and is punishable by civil liability.

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ( d ) ( 2 ) ( A ), 15 U.S.C. 1681a ) : You failed to inform me of my right to opt out of sharing my personal information, a deceptive violation of my consumer rights.

Furnishing Deceptive Information ( FCRA Section 623 ( a ) ( 3 ), 15 U.S.C. 1681s-2 ) : Inaccurate inquiries and accounts were reported without proper validation, violating Generally Accepted Accounting Principles ( GAAP ) and causing harm.

Debt Collection Violations ( 15 U.S.C. 1692g ) : Unfair practices and harassment occurred by reporting inaccurate debts and accounts without my consent, creating undue stress and unwarranted creditor contact.

Disclosure of Debt Information : Debt collectors shared my information with third-party credit reporting agencies, violating regulations that prohibit disclosing debt details to third parties.

Misrepresentation of Late Payments : Late payments were reported on my credit report without clear definitions or justifications, which is misleading and inaccurate.

Finance Charge Miscalculations : There was a failure to accurately determine finance charges, a responsibility under FCRA and associated regulations.

Permissible Purpose Violations ( FCRA Section 604, 15 U.S.C. 1681b ) : Information was included in my credit report without my written consent, violating the permissible purposes outlined under the FCRA. 

I am demanding immediate resolution of the following specific issues : XXXX  ( XXXX ) ** : Provide the method of validation for reporting the account as late during COVID-related deferment. Update the status to " Pays Account As Agreed. '' XXXX  ( XXXX ) ** : Delete this entry due to noncompliance with debt validation requirements under 15 U.S.C . 1692g. 
XXXX XXXX ( XXXX ) ** : Remove this account based on a violation of debt validation rules under 15 U.S.C. 1692g. 
XXXX XXXX XXXX ( XXXX ) ** : Delete this account for failure to comply with 15 U.S.C . 1692g debt validation standards. 
XXXX ( Reported XX/XX/year> ) : Delete this entry due to violations under 15 U.S.C. 1692g.

In addition, I am requesting the removal of all unauthorized and inaccurate accounts from my credit report. These actions must be taken promptly. Failure to comply will leave me with no choice but to pursue the full extent of legal remedies available under the Fair Credit Reporting Act. 

I trust that you will handle this matter with the urgency and diligence it requires. 

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

XXXX XXXX  and XXXX XXXX generated late fees and interest charges on my previously good standing XXXX credit card citing the their inability to acces my financial institution. 
There were many XXXX  members experiencing the situation as related by XXXX customer service. 
XXXXXXXX XXXX and XXXX XXXX eventually transferred credit card accounts to XXXX XXXXXXXX XXXX slong with the erroneous late fees and interest charges. 
I gave XXXX XXXX {$100.00} to settle the issue even though the problems were from the financial institutions negligent practices. 
My problem now is : Transunion has not corrected their report and have driven my credit score down by nearly 100 points. This effects my credit history when trying to obtain a car loan at a reasonable rate.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX XXXX XXXX for violating my consumer rights under federal and New Jersey state laws. XXXX XXXX XXXX failed to provide me with the opportunity to opt out before sharing my personal financial information with third parties, including financial institutions and consumer reporting agencies. This action violates my rights under the federal Gramm-Leach-Bliley Act ( GLBA ) and conflicts with the protections afforded by the New Jersey Consumer Fraud Act ( NJCFA ) and the New Jersey Identity Theft Prevention Act. 

On XX/XX/year>, I sent XXXX XXXX XXXX a formal opt-out notice, clearly stating that I did not consent to the sharing of my private information. Despite my explicit instructions, XXXX claimed their Privacy Policy and Privacy Notice permitted such actions. However, this policy contradicts the GLBAs requirements and New Jersey laws, particularly the Identity Theft Prevention Act, which enforces strict safeguards for personal information. 

Sharing my financial data without consent constitutes identity theft under 15 USC 1681a ( q ) ( 3 ), as it involves the unauthorized use of my identifying information. This practice is actionable under both federal law and the New Jersey Identity Theft Prevention Act. Furthermore, New Jersey law voids any contracts or policies that facilitate fraud, intentional harm, or legal violations, making XXXX actions legally indefensible. 

I request immediate action to address these violations, ensure compliance with applicable laws, and prevent further unauthorized disclosures of my personal information.
Product: Debt collection

On or about XXXX XXXX, XXXX the XXXX XXXX XXXX in XXXX XXXX erroneously submitted a claim # XXXX to my insurance XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alleging that they tested me for Vitamin D deficiency. 

On or about XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reviewed an appeal submitted to them by the XXXX XXXX and upheld the previous denials. And essentially stating that the alleged laboratory procedure was " considered not medically necessary in clinical situations such as with this patient who is XXXX without a documented risk factor for vitamin D deficiency, who is not institutionalized, and who is not at documented risk for developing complications related to vitamin D deficiency. '' A more detail explanation of the denial is set forth in the XXXX XXXX, XXXX sent herewith. 

In a nutshell, the XXXX XXXX is attempting to collect {$320.00} of monies not owed by me. Such alleged laboratory testing procedure was not authorized by me and clearly not medically necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this accounts immediately : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} and XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting ACT ACCOUNT XXXX 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 alson states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Recently, maybe two weeks ago I call Loan Depot ( XXXX ) XXXX. 

I wanted to get a quote to refinance the loan. 

They quoted me a very high rate, I don't remember, but it was over 4 %. I have a 3.75 %, so I passed. 

Next day I get a call, no problem, but they offer a high rate still. 

Next days I get calls, I avoid them. 

Today I got a call at XXXX XXXX, too early for me, so I didn't answer. But I get a call again at XXXX XXXX. from a XXXX. I was upset at all these calls, I answer, 3 % with no fees? He said sure. That took me by surprise but was hopeful, then he said in a very suspect way, give me your credit card number. I said what? Then hung up. 

Not sure how this works, but can they do that? Agree to give me a loan at 3 % for no fee? He made a false promise and asked me for my credit card. 

I am very concerned that he has my personal information and that he may sell that information to his benefit. I am very concerned. Please, please can you look into this? 

I got the managers name and number, his name is XXXX XXXX. ( XXXX ) XXXX Please I hope you can advise me or help with your information or support. 

I hope this finds you well. 

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

Ally Finan I Inquiry from XXXX XXXX, 2016 Institution Information Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. Hard inquiries could lower your credit score by a few points and may remain on your credit report for two years. Fortunately, as time passes, the damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report. I have no knowledge of this account nor why they were checking my credit score. Please erase this inquiry. Thank you!
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Debt collection

When I noticed this account showing up on my credit report I sent a letter to IQ Data International , Inc attempting to notify them that the therefore mentioned account does not belong to me. I never received a debt verification letter from the collection agency as requested by FDCPA giving me the opportunity to dispute this account within 30 days before begin reported it to my credit report or for them to assume that this is a valid debt and start a collection in fact. 
This account is begin reported to my credit file with the major credit bureaus without any legal or valid fundament causing me several financial and reputation damages. This complaint is an attempt to resolve this issue with good faith before proceeding with a demand letter and legal action to pursue compensation and damages.
Product: Credit reporting or other personal consumer reports

I recently started a non profit organization involving domestic abuse. I was looking to start building my business credits and credentials. I was denied because of my personal credit in which I reached out to debtors about my situation I consistently reported to them that my identity was stolen and some of the negative reports in my credit are false and is a case of fraudulent activity.
Product: Checking or savings account

I am writing to formally file a complaint against SoFi for not honoring their direct deposit bonus promotion as advertised.

**Promotion Terms : **SoFi 's promotion states that direct deposit inflows of {$1000.00} - {$4900.00} will receive a {$50.00} bonus, and inflows of {$5000.00} or more will receive a {$300.00} bonus. The promotion defines direct deposit as recurring deposits of regular income made by the account holders employer, payroll, or benefits provider via the ACH Network. 

**Transaction History : **Below are the relevant transactions within the evaluation period XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDespite the XXXX deposits meeting the criteria of being from my employer and recurring, SoFi did not count these towards the direct deposit total. Consequently, SoFi calculated my total direct deposits as {$4900.00}, excluding the XXXX deposits, and awarded me only a {$50.00} bonus instead of the {$300.00} bonus I believe I am entitled to. 

**Interaction with SoFi : **I contacted SoFi 's customer service through their virtual assistant and a live agent, XXXX. I explained the situation, including that the XXXX deposits should qualify as direct deposits. However, XXXX stated that the XXXX deposits were not considered direct deposits per SoFis policy and declined to recharacterize them, despite them meeting the definition outlined in the promotion terms. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely,
Product: Debt collection

THIS IS A XXXX ACCOUNT THAT WAS OPENED UNDER MY NAME ILLEGALLY WHEN I WAS A MINOR. IT IS AN ALABAMA ACCOUNT AND I HAVE NEVER RESIDED IN ALABAMA.
Product: Debt collection

On XXXX I sent 2 letters to the address on my credit report notifying the company they have no regulations to collect in XXXX on a charged off debt that has been written off and also the are not registered in XXXX  to collect. I looked at my credit report to see a derogatory amount of {$630.00} has been reported to the credit bureau.
Product: Debt collection

We received a letter from Wakefield & Associates stating that we needed to contact them to avoid litigation. My husband contacted them on XX/XX/2020 and offered to settle the debt for {$1300.00} with a debit card over the phone. The company refused stating that they would not accept anything other than the balance in full even though their insinuated that we could call for other arrangements. We would very much like to settle this debt but the agency and hospital are refusing to settle the debt. Further, we did not receive a breakdown of any of the supposed charges, just a letter threatening litigation. I am XXXX  and my husband 's job has been impacted by Covid. We are also XXXX XXXX XXXX in XXXX which will come with additional bills. We can pay {$1300.00} today to resolve this debt that we supposedly owe, but have not received proof of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 

XXXX XXXX Last reported XXXX XXXX, 2022 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer report-ing agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the indi-vidual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information dis-puted by a consumer, an item of the information is found to be inaccurate or in-complete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : Experian***** XXXX XXXX XXXX XXXX {$40000.00} Account number XXXX Open/closed Closed Date opened XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$4700.00} Account number XXXX Date opened XX/XX/XXXX Tranunion**** XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$40000.00} Date opened XX/XX/XXXX Equifax**** XXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$40000.00} Account Status CHARGE_OFF Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number xxxxxxxxxxx XXXX Reported Balance {$4700.00} Account Status NOT_MORE_THAN_TWO_PAYMENTS_PAST_DUE Date Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was issued a cease and desist letter from my states Department of Finance due to being illegal to operate and charging over 400 % interest. XXXX XXXX XXXX ignored this and continued to contact me. Then they placed negative information on my credit report. They 1st reported {$500.00}, now its ovey {$1100.00}. I need help getting this off of my Transunion report.
Product: Debt collection

The company is asking me to pay an account established at XXXX XXXX XXXX XXXX, in XX/XX/2017. I live in XXXX Ga and have already filed a case of Identity theft with the police and consumer credit reporting agencies. I contacted them on several occasions to ask for the proof the account is mine, or to verify their legal right to collect. 
I want to file this compliant because, they are purposefully misrepresenting information, either way its being done to harm my name and reputation.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint To Transunion pertaining to a Specific Account on my consumer report that was deemed Fraudulent. Transunion moved to have it removed by Deleting the Account known as XXXX XXXX XXXX XXXX XXXX XXXX 
After Transunion Deleted this Account last week, This Account now shows up as a collection once again. So im just asking for Transunion to do what they have already done, Delete XXXX XXXX XXXX again please. 
I have attached documents from Transunion showing the Deletion from earlier in the month.
Product: Bank account or service

Chase advertised that all new customers who open a savings account and transfer in {$10000.00} will receive a {$150.00} bonus. I opened an account with them, transferred in {$50.00} from my XXXX XXXX XXXX account to verify it. Once this was ok I then transferred in the $ XXXX. When I tried to do this Chase told me my account had been closed, that I was blacklisted from ever being a Chase customer again and told on the phone that I was n't a desirable customer for them. I was told that there was nothing I could do, I could not get this reviewed or be told the reason for this. The only reason I can see for this is because I a new immigrant to this country, being from the XXXX and they have flagged me for a large transfer when I was just trying to access the deal they advertised. I believe that this advert should be removed if people ca n't actually transfer the money in without it being flagged as suspicious. I also feel there should be a review process and have to provide an explanation whatever the small print in their contact may say.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX , XXXX . 
XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  To Whom it may Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on different credit reporting agencies for my XXXX XXXX XXXX account. 

Its showing 30 days late but I have documentation of payment with confirmation number below are 6 months of payments. 
XXXX XXXX {$270.00} XXXX XXXX confirm # XXXX XXXX XXXX. {$270.00} confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXX confirm # XXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX XXXXXXXX XX/XX/2022 {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXX XXXX Confirm # XXXX XXXX XXXX {$270.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$310.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX Confirm # XXXX XXXX XXXX {$550.00} XXXX XXXX Confirm # XXXX I made a mistake in allowing automatic payments which the system didnt pull t I want you to know that I understand my financial obligations, and if it werent for fighting XXXX XXXX and got overwhelmed with everything, I do know that the automatic payment didnt pull the XXXX payment and I noticed 5 days after and paid it. I paid twice in XXXX as well to get ahead. If I paid on XX/XX/XXXX than it shouldnt be on my record saying Im 30 days late. I have all documentation showing pay dates. I was never late more than 30 days as it shows. 

My request is I am promised accuracy in my report based on federal law. I am making this cause an attempt to have these errors corrected on my consumer report under 15 USC 1681. All verified information must be promptly removed. As you can see in your system, you did not verify this information and validate it, so I request that you remove it. 

Thank you for your consideration