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

Company verified they received my later on XXXX. Since that time I have phoned several times in regards to Fair Collection accounts. As of yet the company has yet to validate the information on my Credit Report. Per The 15 U.S. Code 1681g - I sent a certified letter to this company requesting information in my record be disclosed to me. It has been over 45 days and I have yet to get a response from this company validating what is on file within the company records. That being true the company must remove matters not validated including inquires and debts. 15 U.S. Code 1681g -  Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe the consumer must remove. I also spoke to a manager who was unable to provide any contract that was signed by me. XXXX The Manager SPAR states the company does not have this information in there records, the manager requested I contact the company for information that should be stored within the company records. The manage told me it is all handled electronically and they do not have any of that information on file. THIS is a direct violation 15 U.S. Code 1681g mentioned Code for inquires and information on my report. American Jurisprudence XXXX XXXX Our 2d.Section 90-93 companies can't subrogate onto a contract. Please provide a signed contact between the company reported and myself when unable to submit such documents the information must be removed, this is no contract between the companies and myself.
Product: Student loan

I have repeatedly requested to be removed from the SoFi 's marketing campaign ( via print correspondence in the mail ), including in XX/XX/XXXX, XX/XX/XXXX, and prior instances. As I have moved multiple times, I have also requested this at multiple address locations. In addition, I currently have an account with SoFi as I refinanced my student loans with them, so I am an active customer with their student loan business.

I had requested removal as, in many instances, these mail are marked as " Important - Time Sensitive '' on the outside of the envelope. As a customer with a student loan, I've always assumed that this was related to some immediate attention needed for my student loan. I have been repeatedly dismayed to learn this was simply marketing mail, and am beginning to become distraught due to the mental anguish SoFi is causing me. 

Further to that point, I called SoFi to request removal from their marketing mail. During a brief call, I was informed that no prior requests were fulfilled, that my account could not be found ( by either my name, address, or email ), and that stopping mail at one address did not preclude stopping mail at another. In the best case scenario, this is gross negligence and ignorance across the operations of a large financial institution. In the worst case, this is causing additional financial stress that is not needed, failure to following current privacy laws and FTC guidelines, and an intentional endeavor by SoFi to harm consumers.
Product: Vehicle loan or lease

XXXX A {$50.00} late fee. They just charged me {$50.00} for basically reporting them. They went and took off past late fees. But re charged {$50.00} to my XXXX I added extra amount to my XXXX payment. I was note late in XXXX, look at this bogus statement, when I called XXXX XXXX, she tells me she spent a lot of time on this. They have been charging me late fees when I have been on time. I was only late once! Wells Fargo are crooks! I want my money back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account # XXXX XXXX XXXXXXXX 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 602 A. Section. It also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Checking or savings account

I just had a check deposit {$3000.00} to my account on XXXX and the fun available XXXX .after that day the chase bank closed my account without my authorization. All the fun in my account around {$3100.00}. I try to call them about it and no one try to give back my money. I need help with that money to able to feed my family, so I really need help. Thank you so much
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX Please remove it from my credit report. 

6. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I closed my account over the phone after the company wouldnt allow me to make any kind of payment with my bank account. They rep told me I did not owe a balance and it would be closed, I would get a refund of the remaining {$40.00} still left on the account ( since it was a secured card I paid {$300.00} for ). I assumed everything was settle until I was in the final phase of purchasing my own home for the first time ( I am a XXXX XXXX XXXX and single parent, this was a life changing moment ) and the informed me I had an account in " charge off '' status with almost a {$200.00} balance. The company states I owe fees that were completely fabricated, and that they had to close it as a charge off. This was completely false and a total misrepresentation of credit ability. I have tried, numerous times to settle with the company and they have ignored me. I have exhausted every option I can. I need the charge off status removed in order to move forward with purchasing a home, so we have been homeless since they falsely added this to my credit file. I need this case resolved immediately and need the company to be held accountable for reporting accurate account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I closed my BestBuy credit card ( CBNA ) due to the annual fee. CBNA did not properly close my acct which led to an annual fee in XX/XX/XXXX and subsequently led to my acct falling past due. When I called in they quickly remedied the charges and stated that the delinquency would be removed. However in XX/XX/XXXX of this year I called in because the delinquency remained on my report. The person I spoke with informed me that it would be taken care of no other information or efforts would be needed. I then received a letter asking me to provide my ssn and permission to alter my credit report from CBNA uncomfortable with this I called in and was told that my delinquency would remain despite their admission of failing to close my acct when requested. I spoke to them one last time to resolve the issue but was turned away and given no other option than to file an official complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Employees of credit karma stole my identity, cards planned that are n't mine, plans changing every other day. They lied about everything, I fixed my credit just for them to sign me up for random credit cards I never asked for or gave permission to use my information to get. Openned an account for this company called XXXX XXXX that I 've never seen or heard of, stated account were open when data on the report states otherwise, says items are delinquent when they report states otherwise and they wo n't fix their mistakes.
Product: Vehicle loan or lease

I sold my vehicle to a private party on XX/XX/year>2024. Bank of America stated that they could not release the lien immediately and that it would take up to 10 business days. After working with several individuals at Bank of America, they stated that the lien release would be done on XX/XX/XXXX. One of the last attempts was on XX/XX/XXXX, and when I called, the customer service rep stated that it would take up to 2 more weeks for it to arrive by mail but that I could expedite if I pay for overnight shipping. I went to a local branch who called corporate and confirmed the lien release would be released on XX/XX/XXXX. 

I called Bank of America today ( XX/XX/XXXX ), and was notified it would take 15 additional days for the lien release to occur. This is contrary to the other calls I received. 

I had to call and go 2 supervisors up in order to get a someone that would assist and find a compromising solution to have the purchaser 's bank call to verify the loan check they used to buy the vehicle cleared. Even then, it is a 2-3 day wait plus shipping
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Ally is reporting to XXXX that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX  Bankruptcy was Discharged on XX/XX/2016.

2. Ally is reporting to both XXXX and XXXX  that the account Condition as Derogatory. This is not correct. Ally was paid-in-full {$28000.00} and the account condition is PAID.

3. Ally is reporting to both XXXX   and XXXX the account Status as in a Payment Plan. This is not correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XXXX Bankruptcy. Ally must only report the current condition of the account.
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX, have recently sent a cashier 's check from my bank XXXX to a contractor XXXX XXXX XXXX, for construction work. My check of {$6000.00} was deposited into his account on the XXXX of XXXX. My bank, XXXX will verified the check has been cleared only if Bank of the West calls, - ( XXXX ) XXXX extension XXXX - which they are not willing to do. Bank of the West refuses to pay out the funds to XXXX XXXX XXXX XXXX XXXX me. My construction project has come to a halt and I am getting calls, texts, and emails about the situation over the last several days, including the workers threatening to sue me for not getting paid. Kindly please see to this. I was told only Bank of the West will be able to fix and that XXXX can't do anything. I spoke with the branch manager, she said that she can't do anything due to not being on XXXX XXXX 's account. This includes refusing to refund me or payout the funds.
Product: Checking or savings account

Several weeks prior to today XX/XX/2022, I talked to US Bank about making sure my accounts did not get over drafted so I wouldnt get fees. She assure me that they would not. Fast forward to today XX/XX/2022, I noticed my checking account was overdrawn because a reoccurring debt that I have set up for auto draft was pushed through I called customer service they said well sometimes that happens anyway and youll still get an overdraft fee but theres nothing we can do about it I said that makes no sense how can you tell me that its all shut off and I opted out of it so I wouldnt get fees and here they are still forcing certain transactions to go through so you were forced to pay fees and become even more in debt to me that seems like theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer.
Product: Credit card

never late with a payment - they just increased my interest rate on an existing loan, was not a new purchase. I no longer have the old paperwork
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 account. 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 reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo Mortgage recurring monthly auto-payments were deleted without me or my husband 's request. We did not decide we wanted to stop these payments, nor did we contact the bank to do so. 

In accordance with Wells Fargo Terms/Conditions and Federal Law, if a consumer decides to delete that service, a 3-day written or verbal notice must be given. Since neither me nor my spouse ask for the service to be deleted, we have been asking Wells Fargo since XX/XX/2021, in writing, to provide a copy of the verbal or written 3-day requested by either of us to delete the service. To date, no copy of a written or verbal notice has been provided and their response continues to be my spouse went online he deleted that service, although no such functionality ever existed in their mortgage module ; And, they only blamed my spouse after blaming me, only to learn I was not in my account on the day they claim the auto-payment was deleted. 

A bank is required to protect the accounts of its consumers, to include monitoring any suspicious activity. To date, they have failed in providing me accurate information about unauthorized changes to my mortgage account.
Product: Credit reporting or other personal consumer reports

I'm very aware XXXX, XXXX, and Experian, are Committing fraud against me, fraud is anything that deals with my social security number when I didn't receive any benefit from it, consumer law states that if a company take more Then 30 days to handle a complaint it must be removed form credit report. 15 U.S Code 1681A2AI I'm also a victim of identity theft so in fact these reporting agency of violating the Fair Credit Reporting Act by reporting these fradulelet account that was open in my name XXXX  ACCOUNT # XXXX Date Opened : XX/XX/XXXX  Balance : {$8000.00} XXXX ACCOUNT # XXXX Date Opened : XX/XX/XXXX  Balance : {$2100.00} XXXX XXXX {$2000.00} {$1300.00} XX/XX/XXXX  {$1300.00} XXXX XXXX XXXX {$380.00} {$1000.00} XXXX  XXXX {$1100.00} {$380.00} XXXX XXXX XXXX XXXX {$4300.00} THESE ACCOUNTS NEED BE REMOVED NOT UPDATED AFTER YOUR FRAUDLETE INVESTIGATIONS, Securities Fraud is being taken place I will pursue suing if these account are not removed.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX Balance {$8400.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XXXX  XX/XX/year> XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit card

I went for a vacation to XXXX and they dilute me to say to come to hear about some membership. It sounded great but next thing I know they make me sign a credit card without my knowledge, and when I call within the time of cancellation, which was five days they did not. They prolonged they said that they supervisor was going to call me and nobody called me. They said that I called after, but I can not prove because I did call. 
As soon as I called to get informed about the membership, they told me that do not tell From the truth that theyre the ones they actually explain at that point I was very frustrated and I told him I need to cancel. They said that someone was gon na call me, but they did not call me and they use that against me because that past the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking these accounts is inadvertently resulting in me being extorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been very alarming to me I called Experian XX/XX/2022 and spoke with multiple reps one who told me after highlighting inaccuracies on my credit report A rep stated to me items would be deleted on my credit report and in turn without my consent a dispute stating identity theft at which time I never said generated in my behalf without my consent which would be false or misleading information and furnishing deceptive forms This has cause stress anxiety emotional trauma and for me to start going to therapy