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

Credit reporting agencies are reporting false information on my credit report and is hindering me from obtaining a auto loan, I need help. I really need a car to bet t work. I sent them a letter on XX/XX/2021 and I have gotten no response or correspondence
Product: Debt collection

I am a victim of identity theft and fraud. 
I have no awareness of the company and have never done business with them. Collection mentioned this business is in XXXX Texas. I live in California.
Product: Vehicle loan or lease

On XX/XX/XXXX my XXXX XXXX XXXX was repossessed the day I paid my loan in full. I had been having financial issues due to my husband leaving me the car in our divorce and I had no income. But over the 2 years between our divorce and the car being repossessed I had paid the full remainder of the balance. Then the car was taken anyways. My name at the time was XXXX XXXX. I do not have a current issue just wanted to file a complaint about how it was handled. I was never given the opportunity to work it out about the car and they never gave me any money back once they took it.
Product: Credit reporting or other personal consumer reports

I purchased a car thru XXXX XXXX XXXX XXXX in XX/XX/year>, I paid the car off, I received my title which I'm attaching w this complaint in XX/XX/year>. They're reporting it as a charge off or as it isn't paid. XXXX XXXX mailed me my title in hand in XXXX, then XXXX day I looked and it's showing as if I never paid a XXXX on it which is incorrect. It has been on my report for XXXX  and nobody will properly investigate it. I have reached out to each bureau and their constantly updating my report with incorrect information which is a FCRA violation. I WANT THIS REMOVED AND FIX before I sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXXXXXX XXXX XXXX account 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.
Product: Debt collection

NATIONAL CREDIT ADJUST XXXX XXXX XXXX XXXX XXXX, KS XXXX The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is oftentimes questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations. This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and incompliance with Metro 2 format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ). Thankfully, I'm giving you 30 days to complete your investigation into the validity of this claim. If it's current and compliant with regulations, then we'll leave things as they are but if not - well... I demand that you remove them from reporting ( my credit report ) immediately. I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ). The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately : NATIONAL CREDIT ADJUST ( XXXX ) - ( XXXX ) XXXX NATIONAL CREDIT ADJUST - XXXX XXXX XXXX Account # : XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$2400.00} Closed Date : XXXX -- Credit Limit : XXXX -- Creditor Remarks : XXXX ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPARTMENT Creditor Type : - Finance Date Opened : XXXX XXXX Date Reported : - XXXX Date of Last Activity : XXXX XXXX Dispute Status : XXXX XXXX High Balance : XXXX {$2400.00} Last Payment : XXXX -- Last Verified : XXXX XXXX Past Due Amount : XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX XXXX Loan Type : FactoringCompanyAccount
Product: Checking or savings account

I am filing a complaint regarding SoFi Bank 's improper account restriction and failure to provide access to my funds. Here is a chronological account of the events : On XX/XX/year>, I opened a SoFi bank account with the intention of managing payments for my XXXX father 's XXXX care. I selected SoFi based on two advertised features : their 4 % APR on savings accounts and XXXX payment capability. The 4 % APR terms were clearly stated - requiring either direct deposit or monthly deposits of {$5000.00}. I opted for the {$5000.00} monthly deposit option. 

After depositing my initial {$5000.00}, I discovered that XXXX services were restricted to direct deposit customers only. This requirement was not prominently displayed on SoFi 's marketing materials about XXXX compatibility. When I raised this concern with customer service, suggesting they make this restriction more visible to potential customers, I was told it was " in the fine print. '' As XXXX was essential for my intended use of paying nurses, I informed them I would need to close the account. 

Subsequently, SoFi restricted my account immediately after my {$5000.00} deposit cleared. They directed me to call their security number ( XXXX ). Upon calling, the representative provided no assistance or path to resolution, only confirming what I already knew - that my account was restricted. They stated SoFi would contact me later. 

Weeks later, I received another email requesting additional information and asking me to call the same number. This second call was equally unproductive - the representative again offered no way to resolve the issue or collect the supposedly needed information, only repeating that SoFi would contact me in the future. 

My concerns are : 1. The lack of clear disclosure about XXXX restrictions 2. The sudden account restriction following my feedback about their service 3. The apparent stonewalling through their security department 4. The continued withholding of my {$5000.00} without proper justification or resolution path I am requesting : 1. Immediate access to my funds ( {$5000.00} ) 2. All earned interest on my deposit at the advertised 4 % APR rate from XX/XX/year> until the date of withdrawal 3. Closure of my account 4. Investigation into their practices regarding account restrictions and customer service response ( a quick XXXX search shows that this practice is common by them ) This situation has impacted my ability to arrange care for my XXXX  father, and SoFi 's actions appear retaliatory rather than based on legitimate security concerns. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EXPERIAN 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 6a credit account opened at : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account type : Charge Card I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, 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 US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections,
Product: Credit card or prepaid card

I noticed that both credit cards what use to be a fixed interest credit card from Capital One Bank changed to a variable rate card my interest rate went up from 17 % on the Mastercard to over 20 % and the Visa Card went up from 17 % to over 18 %. I have never missed a payment nor have I been late with a payment matter fact I have always paid more that the listed minimum payment. The Mastercard was through XXXX but Capital One Bank bought them both. I called them on Saturday the XXXX of XXXX 2017 and that 's when I was informed that my cards were variable rates of interest. I have n't received anything stating that my cards were variable they could have called me on the phone ( they do have that on file ) mailed me ( which all I get is statements ) or emailed me but nothing at all was sent to me on this issue. I do have the emails sent to me telling me that my payment is due and when I pay it online I get a email from them telling me that my payment has posted. Capitol One Bank most likely close my account over this or raise my interest rates over this complaint but they will just lose a customer for ever.
Product: Credit reporting

Transunion shows XXXX hard credit inquiries dated XXXX XXXX 2016. I have not applied for any credit and am concerned that someone is trying to steal my identity.
Product: Credit reporting or other personal consumer reports

My account with this XXXX XXXX and I have always been in good standing, and I have never been late with a payment. I have a stellar payment history with XXXX XXXX, with all payments set up on XXXX. The reported late payment is due to a systematic error on their part in processing my payment. 

This is a clear billing error by the company and does not reflect my actual payment history, which is a violation of USC Code 1681eb. This mistake has significantly harmed my reputation, character, lifestyle, and family. 

I demand that the late payment reported in the specified months be removed. 

XXXX XXXX is not in compliance with 15 USC 1666b, which outlines the requirements for treating a payment as late. They reported my payment as late without following the law.

According to 15 USC 1666b ( a ), a creditor can not consider a payment late if they have not adopted reasonable procedures to ensure that each periodic statement, including the information required by section 1637 ( b ), is sent to the consumer at least 21 days before the due date.

The company failed to send the periodic statement and the necessary disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date in good faith pursuant to rule 1002, but this proof was never provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

Please remove the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$180.00}.
Product: Checking or savings account

My checking account was migrated from Simple Bank to BBVA on XX/XX/2021. 
After learning BBVA charges NSF fees, which Simple did not, I elected to close my checking account. 
On XX/XX/2021, I logged in online and attempted to transfer the remaining funds out of my BBVA checking account. BBVA 's online account access gave me three options to transfer out my funds, an electronic transfer ( ACH ) with a {$3.00} fee, a wire transfer with a {$15.00} fee, or a transfer service named XXXX with no fee disclosed in the transfer section of BBVA 's online account access. 
I attempted to register for XXXX and was given an error indicating I already have a XXXX account ( there was no option to log in to an existing account ) and instructed to call BBVA at XXXX XXXX ) XXXX. 
I called XXXX and reached several non-native speaking English representatives that could not understand me when I explained I wanted to close my account and needed options to get the funds out. One representative proceeded to go over my transaction history, and another proceeded to discuss NSF fee policy, despite me never having inquired about either. The last representative agreed to transfer me to a native English speaker, and then hung up on me. 
It is my feeling that BBVA is purposely making it difficult to close my checking account by requiring the account have a XXXX  balance prior to attempting to close the account, charging fees to transfer funds in attempt to discourage clients from closing their accounts and staffing their related phone assistance line with non-native English speakers, something I am certain they do not do for all account servicing phone lines.
Product: Credit card or prepaid card

I signed up for the CapitalOne XXXX XXXX credit card on XXXX XXXX XXXX and was promised " {$200.00} Cash Back after you spend {$500.00} on purchases within 3 months from account opening. '' I just complied with the above terms but a CapitalOne representative on the phone told me that what I applied for was declined and an " accomodation '' term was offered. The gentleman stated that the terms I accepted did not have the {$200.00} Cash Back offer. 

I do not recall being offered alternative terms when I applied for this credit card. I have a XXXX XXXX XXXX on XXXX and XXXX on XXXX. I would like a full explanation of ( 1 ) why I was denied the initial terms, ( 2 ) how the " denial '' of the initial terms were communicated to me, and ( 3 ) how the " new terms '' were clearly communicated to me to give me adequate notice that the offer was an alternative to what I initially applied for. 

My concern is that the business practice of the above is akin to deceptive advertising and something similar to a " bait and switch '' of the initial offer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX Not my account Regional acceptance XXXX Account never late XXXX XXXX XXXX XXXX {$260.00} Account not mine XXXX XXXX XXXX {$250.00} Account not XXXX XXXX XXXX XXXX account number N/A {$4200.00} Account never late XXXX XXXX XXXX {$600.00} Account never late XXXX XXXX XXXX {$2300.00} Account never late
Product: Credit reporting

My credit has been damage due to this judgement remaining on my credit. I have disputed this claim of judgement with all bureaus of investigation. XXXX XXXX, did not remove or offer opportunity to remove from credit.
Product: Credit reporting or other personal consumer reports

I've repeatedly tried to resolve the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have severely affected my life, leading to substantial stress and XXXX I want to emphasize that I never gave permission for this information to be linked to my name, as I'm a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not afford a lawyer, but I have tried to fix my credit in every way possible. Equifax, XXXX, and XXXX REFUSES to remove items off of my credit report that were CLEARLY identity fraud. I provided police reports on several occasion. Ive sent in copies of my Drivers license, SS card, utility bills, FTC complain forms, detailed account information, AND police Reports ... and EVERY SINGLE form they asked for. ALL they did in return was either deny the claim, or say they never received proof, just like in my previous complaint. I will now move forward and file a complaint with the FTC, and I will look into what other avenues I can pursue. I am trying to sell my home, and buy a new one ... and because my identity was stolen I am STUCK. I need this rectified ASAP. I have done ALL I can do.
Product: Credit reporting or other personal consumer reports

Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Credit Reporting Practices of XXXX, TransUnion, and XXXX Dear Sir/Madam, I am writing to formally submit a complaint regarding the handling of my First Progress Credit Card account by the credit reporting agencies : XXXX, TransUnion, and XXXX. Despite ongoing concerns regarding their compliance with the Fair Credit Reporting Act ( FCRA ), I have observed persistent and detrimental practices affecting my credit report. 

My First Progress account has always been in immaculate condition, with no late payments. According to regulations, this account should remain on my credit file for 7 to 10 years. However, I noticed that my account, which was marked as Paid/Closed/Never Late on XX/XX/XXXX, was deleted from my credit report on the same day by XXXX. Additionally, TransUnion removed my account between XX/XX/XXXX, and XX/XX/XXXX, and XXXX removed my account between XX/XX/XXXX, and XX/XX/XXXX. These deletions are not only unjustified but also erroneous, as they misrepresent my credit history. 

I am also attaching a statement letter from XXXX XXXX, which confirms that they are reporting my account accurately. It is evident that it falls upon the credit reporting agencies to ensure that the reported details are correct. The failure of XXXX, TransUnion, and XXXX to properly investigate my disputes and rectify the inaccuracies in my credit reports is deeply concerning and undermines the purpose of the FCRA, negatively impacting my creditworthiness. 

I urge both the CFPB and the FTC to take immediate action against these agencies for their ongoing violations and to ensure that my credit report accurately reflects the status of my First Progress account. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your time and assistance. 

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

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or omitted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im was looking at my credit to make sure Im keeping up with everything and I saw several items on there that is not mine. I was told you all can help me with this. I have filed a complaint with the FTC and reach out to the police. Im doing this on my own and need some help. I saw these accounts that I dont know anything about XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. There also several inquiries that I did not run my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was a XXXX XXXXr on a auto lease with bmw, I was not notified that a past due balance with the vehicle that was returned was going to placed into collections, if any attempts where made to contact me by mail, email, phone I would have not let the account go into collections and ruin my credit score due to the irresponsible person I XXXX XXXX for
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was paid off. I have receipt. I disputed with them several times and they continue to show old negative remarks and balance.