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

The transactions reported to the XXXX Police department in XXXX, OR on XX/XX/24 were made by XXXX other individuals who were seen in video footage at XXXX XXXX XXXX and XXXX XXXX after testing out the card at the XXXX XXXX, and then making a final purchase at XXXX XXXX XXXX XXXX. I called SoFi Bank and was told that I couldn't report fraud until the transactions posted to my account, which I believe finally happened XX/XX/24. I received my first denial message XX/XX/24. 

Al XXXX XXXX XXXX XXXX for {$760.00} XXXX XXXX XXXX XXXX for {$100.00} XXXX Market for {$9.00} Police Case # is XXXX. Police Officer handling my case was The case has now been turned over to the District Attorney 's Office in XXXX, OR. 

I provided the certification letter from the police department, our conversation when I submitted the request for evidence, and did multiple times stating that fraud was committed. I've called SoFi customer support for every week since the incident has happened and each time I've been denied with an automated message and no further clarification being told the Claims team can only be reached by email. Each time I receive the denial letter ( the exact same one ), I call customer support and again am told there is nothing I can do but respond to them.
Product: Credit reporting or other personal consumer reports

FCRA 605B appears to necessitate the removal of any incorrect accounts from my credit report. Could you look over the documents? There are inaccuracies in the reporting, amounts, and dates of some listed accounts.
Product: Debt collection

CONNS is claiming that I owe them {$2900.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting

To Whom It May Concern, I have disputed my concern that Experian reporting in my credit report that i have Consumer finance account XXXX of them but it is inaccurate please investigate and remove that inaccurate and false information from my credit repot. I have attache the proof of the fact that is reporting.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I submitted letter to the 3 bureaus.They have never responded. I have attached a new complaint and I would like a response asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX XXXX XXXX XXXX XXXX keeps reporting information on my consumer credit report such as {$16000.00} without my consent. I, XXXX XXXX have a right to privacy if you are disclosing a right to privacy if you are disclosing ( NPI ) nonpublic personal information to nonaffiliated third parties, and that disclosure does not fall within any exception required by the Fair Credit Reporting Act.The Gramm-Leach-Bliley Act 's notice and opt out provisions are in addition to the obligations imposed by the Fair Credit Reporting Act ( FCRA ) .If the FCRA currently requires that you make clear and conspicuous disclsures to your consumers regarding your sharing of certain information ( such as consumer report and application information ) with your affiliates, you must continue to do so.The GLB Act requires these disclosures to be made as part of any privacy policy you give to your consumers.The Federal Trade Commission ( FTC ) , the federal banking agencies, other federal regulatory authorities, and state insurance authorities enforce the GLB Act.Each agency has issued substantially similiar rules implementing GLB 's privacy provisions.The FTC has jurisdiction over any financial institution or other person not regulated by other government agencies.The FTC may bring enforcement actions for violations of the privacy rule.The FTC can bring actions to enforce privacy rule in federal district court, where it may seek the full scope of injunctive and ancillary equitable relief.The FTC Act also has authority to examine privacy policies and practices for deception and unfairness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Acct # XXXX. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as social security number and date of birth in order for it to appear on your credit file. XXXX, XXXX, nor Transunion has updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Debt collection

I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim and I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). Despite my repeated efforts to seek validation of the debts in question, the information provided by your bureau is inadequate and far from satisfactory. The following account is of particular concern, as the details provided are insufficient for proper validation : XXXX  XXXX Date Opened : XX/XX/2015 Balance : {$0.00}. I am extremely disappointed that your bureau has not upheld its obligation to ensure accurate reporting and provide sufficient validation for these debts. As a consumer, I have the right to accurate and verifiable information on my credit report, and it is unacceptable that your bureau has failed to meet this standard. I expect an urgent and thorough investigation into these matters, and I request that you promptly provide any supporting documentation used to validate these debts. Your compliance with the Fair Credit Reporting Act ( FCRA ) guidelines is crucial to ensure accurate reporting, and I anticipate your prompt action on this dispute.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block IncXXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX. ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

I added an amex offer which is Spend $XXXX on XXXX XXXX get $XXXX back. I used this Amex offer on my amex green card on XX/XX/XXXX and the transaction has been posted. But Amex didnt credit this offer. They say that the merchant (XXXX XXXX) processed my payment via paypal even though I made the purchase directly via my Amex Green Card. They did not redeem this offer and I did not receive the XXXX   dollars credit at last.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the account that is reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft ALLY FINCL Account Number : XXXX This is not mine.
Product: Debt collection

Do not have an contract/agreement with Virtuoso Sourcing to pay a XXXX dollars collection. Never received information about this debt.
Product: Mortgage

I have been in a forbearance due to Covid19 since XX/XX/XXXX. 
I was offered a work out solution in XXXX XXXXover the phone but DID NOT accept because the payment was not affordable. 
So we just extended the Covid19 related Forbearance this can all be heard on the recorded lines the lender should have.

I am covered under the Cares Act.

me and my husband had a 180 day late payment posted on our credit history on XX/XX/XXXX. 
report to XXXX, XXXX and XXXX. 

I called my lender several times to correct his and I filed a dispute in XX/XX/XXXX. 

I reached out to my lender today XX/XX/XXXX XXXX for an update to the dispute and I was told that they looked into the credit report history date of XX/XX/XXXX. 
XX/XX/XXXX is NOT the date THAT I am disputing, that date is reporting correctly. 
So that was a waste of 30 days!! 

XX/XX/XXXX is reporting from my lender as 180 day late. 


please have them remove the late, as we are still in Covid19 forbearance. 

Thank you
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have not been late on this account there was no full investigation on this account for late payments. There was an automated response from e-Oscar system stating the information was verified. I request physical verification in XX/XX/2020 of this year showing I was LATE as I have NEVER been late. XXXX  XXXX XXXX  # XXXX Please correct payment history as it not reporting correctly. 

I was not late on the this account. Please PROVIDE PHYSICAL VERIFICATION OF LATE PAYMENTS.
Product: Credit card

I paid my credit card bill on time and it is showing that I am 60 days past due causing my score to plummet XXXX points on Equifax. Please update as this is negatively impacting my credit. I even have paid a premium using XXXX XXXX to pay or check by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with all XXXX bureaus in disputing credit report balances that either are closed and have been reopened by the collection agencies or medical bills that the hospital wrote off as charity due to no insurance or not able to pay. 

Ive been disputing for over 2 years and last year during XXXX XXXX and just tonight. Some bureaus have them off and others do not. This is affecting my application for my XXXX with my processing.
Product: Credit reporting or other personal consumer reports

I noticed my credit reports were frozen through XXXX, TransUnion and experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing in regards to XXXX XXXX XXXX XXXX account # XXXX Under the laws of the State of Illinois UCC ( 810ILCS5/ ) UCC code, and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.
Product: Credit card or prepaid card

XX/XX/XXXX Bank 's name : Synchrony Bank XXXX XXXX. XXXX  XXXX XXXX, FL XXXX XXXX. TJX Rewards Platinum Master card XXXX ( old card No. ), XXXX ( new card No. ) Some one unauthorized use my credit card XXXX XXXX XXXX XXXX ( old card ) for 11 transactions in the period of XX/XX/XXXX - XX/XX/XXXX for the amount {$810.00}. I called the bank and they issued me a new card No. XXXX XXXX XXXX XXXX and transfered the balance for those unauthorized usage and interests, However, they only gave me the credit for 3 transactions in the amount of {$220.00} and keep on charging me interests for the unauthorized usage on my card. 

I called them and sent certified mail but up today they did not honor the full credit but bit around the bush when I called. Finally XX/XX/XXXX they sent me a letter and approved but up day they still did not credit back {$1100.00} in full that include the amount of unauthorized usage and interests charge for the unauthorized usage. 

This matter has been over 11 months, Thanks for your help. 

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

I reviewed three credit reports today. XXXX, XXXX   and XXXX. The XXXX report actually showed my Quicken Loans account closed and XXXX and XXXX do not have credit for months that have been paid. I filed a chapter XXXX bankruptcy in XXXX of 2018. My home was not included in the bankruptcy, and I have been paying the mortgage directly. It is even in my bankruptcy order that I will be paying them directly. They placed an unauthorized charge on my account for {$650.00} as an " advance on my behalf '', they are not crediting my account when payments are made and are not reporting my payments to the credit bureau to reflect on my credit report. When I called to find out why they were not reporting my payments, nor accounting for them on my statement they told me that the payments had to be reviewed by the bankruptcy court ( because it is protected by bankruptcy laws XXXX, I inquired as to which bankruptcy court and he said Quicken Loans attorney XXXX XXXX XXXX ( XXXX ). He also said once they review the payment then it is partially applied to my account. I asked why it wasn't showing on my credit report and he again stated because it is protected by bankruptcy laws. He went on to tell me when I pay the {$650.00} " advance on my behalf '' fee that the payments would then show up on my credit report. I'm not understanding how I'm protected from bankruptcy laws when it isn't helping my credit report? I attempted to call the Quicken Loans attorney, but they will not speak to me about my account without my attorney on the line. They have also removed my access to view my statements online.
Product: Credit card

So I wanted to report and bring it to you alls attention that Im trying to open a Secured Credit Card to help improve my credit rating and I keep getting recommended to apply but every time I do they say I cant open an account because of a past credit obligation with them which wasnt up to their standards or practices. The problem comes into play where I NEVER had an account with Capital One. The only tie we have is an account that was fraudulently opened with my credentials and was investigated and also deemed fraud by Capital One themselves and deleted from all my credit reports. The account number is as follows : XXXX An account specialists said that I have no other history other than this fraudulent account which is clearly what you all are using to deny me credit. I did EVERYTHING asked to have my name cleared and the account removed from my credit reports. But now I need the account removed and unattached from my Social Security Number and other identifying information so that I can actually apply for credit. This is unfair and wrong to say the very least. My attorney also said legal action can be bought against Capital One for this as well. Which is an option unless this account is fully unattached from my SSN number immediately. I should be able to apply without a fraudulent account holding me back. Please make this right immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this public record with TransUnion I dont recognize this public record listed below, I have requested TransUnion provide me proof from the court and mail me the results of their investigation, TransUnion has failed to do so. TRANSUNION CONTINUES TO VIOLATE MY RIGHTS UNDER THE FCRA 623 ( a ) ( 1 ) ( A ), WHICH CLEARLY STATES THE CREDIT REPORTING AGENCIES HAVE A LEGAL OBLIGATION TO ENSURE THE ACCURACY OF INFORMATION THEY FURNISH, TRANSUNION HAS CLEARLY FAILED TO DO SO. I HAVE ALSO PROVIDED PFOOF FROM THE COURT THAT THE INFORMATION TRANSUNION IS REPORTING ON MY CRDDIT FILE IS INACCURATE, HOWEVER TRANSUNION CONTINUES TO VIOLATE MY RIGHTS AND NOT INVESTIGATE THIS MATTER. TRANSUNION CONTINUES TO SEND COMPUTER GENERATED RESPONSES EVERY TIME WITHOUT PROVIDING ANY PROOF THIS ACCOUNT BELONGS TO ME. I HAVE ATTACHED EVIDENCE THAT TRANSUNION IS IN VIOLATION OF THE FCRA, AND HAS FALSIFIED INFORMATION TO THE CFPB AND MYSELF. NOW IS NOT 5HE TIME TO UPDATE, I DEMAND THE FOLLOWING ACCOUNT BE REMOVED IMMEDIATELY : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 19 accounts that were paid in full, old accounts that were supposed to be deleted. 
The following accounts are impermissible : 1. XXXX/XXXX XXXX, XX/XX/XXXX 2. XXXX/XXXX XXXX, XX/XX/XXXX XXXX.XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX 6. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX/XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX/ XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX, XX/XX/XXXX XXXX. XXXX/XXXX, XX/XX/XXXX XXXX. XXXX /XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. XX/XX/XXXX, XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called them on the phone all three credit reporting agencies, Experian, XXXX, and XXXX XXXX and I have not had all of these inquiries removed that I did not authorize add explain to them I have not asked for credit in 14 months. Why do I have all of these inquiries, please remove them they have not done so and I do plant to buy a home when the rates go back down and home prices drop I want to be prepared and these inquiries are not mine or authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

Since the beginning of XX/XX/2018 there has been a significant drop in my credit score by all three agencies. All my debts are paid off or current. I have no collections and trying purchase a home. I went from having XXXX with experian to XXXX, XXXX   drop 30 in 2 weeks and same with XXXX. I do believe that i am being unfairly targeted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX I recently checked my credit report and noticed inaccurate account reporting. Below named company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report two items on my credit reports from Receivable Recovery. I disputed both accounts numerous times but XXXX  keeps reporting as verified. I called the Collection Agency at XXXX on XX/XX/2018 and the representative told me that their company does not have any documentation for the accounts they are reporting. This means that XXXX is not performing a thorough investigation and is being negligent and lazy. If Receivable Recovery has no files or documentation of the account number on file, then how are they validating and verifying the account? How is XXXX verifying and validating the account? This account should be deleted immediately from my file.
Product: Debt collection

I first recieved a call from this number on XXXX XXXX. I was told my sister had some sort of fraud going on her account. I told them her phone was disconnected and I did not get a hold of her. I received XXXX calls today. I researched online and discovwred this company has similar complaints in which they say they are trying to get a hold of someone but its a debt collectors. I just got off thw phone. A woman named XXXX answere. She said ahe was trying to get in touch with me and they some identity theft stuff. I told her tgat I 've had credit monitoring for the last year so its not pssibme and that the last time I got a call from this number that they said they were looking for my sister. To which the the XXXX said my sister put me down as a reference for evergreen. I told her that I do not want to be call anymore becauae its a debt collector looking for my sister and I wanted to placed on the do not call listI told her to send written notification to my sister instead of repeatedly calling me. The lady was very argumentative and would not agree to place my number on a do not call list. I eneded up hanging up on her with my last words being do not call me
Product: Debt collection

We leased a vehicle with ALLY Bank, that was mistake # XXXX. Here is what happened. My wife drives our XXXX children to school every morning and uses the XXXX lane. And according to the US Department of Transportation Federal Highway Administration, children count as passengers. Apparently one morning, a police officer must not have been able to see the children in the car, and instead of pulling my wife over ( and realizing there were XXXX people in the car ), he just took down the plate number and sent a summons. 

Here is where the problem begins ... .because it is a leased vehicle, the summons went to ALLY Bank, not to me. So we had no idea this happened. Months go buy and I get a letter in the mail from ALLYthat I owe the summons amount and that they are about to pay it for me. So I immediately call them and tell them not to pay the summons becuase we need to fight this because we never touch the XXXX lanes where we live except to go to school with the kids in the car. 

Fast forward a month or so and I get a bill saying that I owe ALLY for the summons and I called again and said what about us fighting this? ... we definitely didnt break any rules and this is when Ally 's horrendous customer service kicked in. I must have called and spoken XXXX different people and every one of them had a different answer with the last volatile person telling me that it is too bad, you have to pay it because we paid it for you. Again, I repeatedly told them not to pay and to fight it. It isnt even about the money, it 's the prinicpal of the thing. 

So because ALLY Bank is lazy and no one on their end wanted to do their job, I am stuck with a fee that I should n't have to pay but they threaten to go to a collections agency to mess up my credit. This is unfair and shouldnt be how people are treated. Obvioulsy this bank lost a customer for life.