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

On XX/XX/year>, SoFi sent me an email saying my bank account was temporarily restricted and no incoming or outgoing transactions will be allowed. I called in and was told that it was caused by 2 deposits I had made approximate 2 weeks prior. We had a 3-way call with the originating bank, XXXX XXXX and they confirmed my ownership of the account and availability of funds. The restriction was lifted. Less than an hour later, I received another email stating the account was restricted again. 

I have since talked to 5 different security team representatives at SoFi and none of them can explain why the account is currently restricted, when the investigation will be complete, or how to handle my employer 's direct deposit which will now be blocked. I have asked multiple times for an estimated resolution time or how I can help resolve the issue and no information is forthcoming. This is a brand-new checking account, approximately 1 month old. I had to ask multiple times for a reference number and was finally told it is Investigation reference XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer and natural person recently checked my consumer report and noticed a multitude of violations from both the credit reporting agencies and the furnishers of the reported accounts. The accounts that are being falsely reported are from both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I do not consent to the reporting of any negative items such as charge offs/collections, high utilization and late payments on my consumer report. charge offs and collections are both considered income by the Irs and by law income shall not be furnished on the consumer report. Also there are multiple alleged late payments being furnished by both XXXX XXXX and XXXX XXXX XXXX. I the consumer am not aware of any late payments or delinquent status associated with either of the accounts and would like all late payments to be removed and any collections/charge offs to be reported as paid in full/paid as agreed. There is no proof of verification and validation of debt under penalty and perjury therefore Equifax, XXXX, and XXXX are required to update said accounts to paid in full/agreed immediately. I also want to emphasize in advance that statements are not validation or verification of debt by law so please cease to send any statements that are not signed with my original wet ink signature and notary seal. 15 Usc 1602 specifically emphasizes clear conspicuous disclosure of reporting. Based on said code I never gave consent to XXXX, Equifax, or XXXX to report late payments or charge offs/collections on my consumer report. The credit reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with 100 percent accuracy.
Product: Mortgage

Applied for HARP through current mortgage company : PHH mortgage. Submitted all paperwork and an appraisal was completed by 3rd party suggested by mortgage company. The loan processor told us the underwriter said the pool has to be filled in because that 's what the appraisal indicated. However the appraisal did not say that. It actually stated the condition of the pool did not affect market value of the home. Prior to the appraisal being completed I disclosed the condition of the pool to the mortgage company when they asked if any part of the home was under construction. Anyhow, they are threatening to decline the loan because of the pool and/or not approving the appraisal.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. Equifax, and XXXX are consumer reporting agencies, and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information. 15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. * XXXX XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX, the financial institution does not have my consent to furnish this information and does not have my written consent. All consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX never informed me of my right to exercise my non-disclosure. Equifax and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 am a victim of identity theft and been a victim of identity theft for quite some time. Someone stole my personal information and identity to open 2 personal loan accounts that are fraudulent and unauthorized. The following personal loan accounts do n't belong to me : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX, Loan Number : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, ( XXXX ) XXXX, Loan Number : XXXX
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 un 15 U.S.C. 1681.

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 my written instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

XXXX, XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  : Account # XXXX
Product: Credit card

I backed a project on XXXX XXXX/XXXX/15 with a proposed delivery date of XXXX. To date I have yet to receive anything despite requests for refund. I turned to Chase bank to dispute the charges on my credit card and was told that due to the time lapse I would not be able to receive my money back. Nothing is in place for crowdfunding which leaves consumers such as myself empty handed. I was not asked for supportive documents, proof of my attempts to contact the company whom I backed. Chase essentially looked at the date of the transaction and denied my dispute instead of looking out for the customer.
Product: Vehicle loan or lease

I called in on XX/XX/XXXX to make a put for XXXX. Me and the representative did a work out plan to get my account back on track. We both agreed for me to.make a put and a half on XXXX  XXXX. I called the company XX/XX/XXXX to see about making the XXXX payment before the XXXX so I wouldnt have to pay the amount all at once. My unit was repossessed with arrangements set for the XXXX. I'm seeking reimbursement for time loss and the 2 payments made the month prior.
Product: Credit reporting or other personal consumer reports

When checking my credit report I have noticed that XXXXXXXX XXXX is reporting a debt that does not belong to me and could not be validated and verified, I disputed this debt on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not validated this debt, i requested signed documents bearing my wet ink signature, after repeated request for over 5 months XXXX XXXX  has not provided me any type of validation, they have not provided me with any type of documents that shows i agreed to pay this debt, i did not sign any agreement or documents with XXXX XXXX or the company that they are collecting for. 
I disputed this debt with Equifax on XXXX XXXX XXXX XXXX XXXX XXXX and Equifax has failed to validate this Debt and continues to knowingly violated FCRA. Equifax gives me know options on their website to re dispute this debt as not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my XXXX 's account showing negative until 2023 and there is no late payment showing for over 21 months. But Experian has me showing 2023 before the account goes positive.

There has been a {$0.00} balance for over 6 months so how is the account in the Negative.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> my $ XXXX balance was paid down to {$14000.00}. This means the account balance is : {$14000.00}! Not XXXX that all the bureaus are reporting. Ive notified each of the credit bureaus and provided documentation from XXXX and XXXX  and STILL my credit report is showing XXXX in XXXX  loans. This needs to be updated accordingly. The credit bureaus have removed accounts, but neglected to update the balance! PLEASE DO YOUR JOB!!!!!! This is my second request. Next, we will be in the federal court asking a judge why my credit report is inaccurate and how I can be properly compensated for damages and incurred losses due to the negligence of XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Hi, My Name is XXXX XXXX. I am contacting you to inform you that I am a victim of multiple data breaches from XXXX and XXXX XXXX therefore, I would need all of the accounts on my credit report that have been exposed, compromised, and/ or opened due to this to be blocked and permanently deleted pursuant to 15 USC 1681c-2 ( a ) within 4 Business Days
Product: Debt collection

I have a secured loan with OneMain Financial. The unemployment insurance I purchased when I took out the loan has been paying the loan every month since XX/XX/year> because I lost my job in XXXX. The office is well aware of this, yet they call me several times a day everyday during office hours when the payment is late. 

The unemployment insurance recently started rejecting my proof of unemployment, so I'm forced to find a way to pay the loan myself. They have already called me 8 times since Monday and from my understanding, debt collectors and creditors can't call more than 7 times within a 7 day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler capital is reporting inaccurate information on my credit profile they saying that I made a payment in XXXX2022 when they repossessed the vehicle in XXXX of 2022. They auction the car off but they reporting that I still owe them the full amount when my gap insurance paid the remaining balance. Which should be XXXX dollars. I would like for them to delete it off my credit report because its inaccurate and its has cause me to not obtain credit.
Product: Credit reporting or other personal consumer reports

The late payments listed are inconsistent with my typical payment pattern.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company in dispute is XXXX. My loan through them started at {$2500.00}. I have never been late, and payments automatically come out of our account every two weeks. XXXX will not update my account with the credit reporting agencies. My current balance is {$1500.00}. XXXX keeps reporting that Im at or over my credit limit. Thats nearly a {$1000.00} difference and I want it fixed asap, because its not helping my credit with their false balances.
Product: Payday loan, title loan, or personal loan

I purchased a XXXX from a website called XXXX in XXXX to fly from XXXX to XXXX and XXXX to XXXX  on XXXX airlines on XX/XX/XXXX to attend a funeral. I am an American citizen. 
On XX/XX/XXXX, i was stopped from boarding my flt to the XXXX because unbeknownst to me, i had flown XXXX airlines. Even though I did not visit XXXX, i would have required to quarantine in a quarantine hotel for 10 days. Since I was only supposed to be in the XXXX for 6 days i couldn't pay for a quarantine hotel so i was denied boarding. 

I eventually called the airline customer service as requested and i was told i could not rebook my flight because i was a no show at the airport. I told them that is not true that i had been denied boarding. 

I was told to call the travel agency who told me they could only refund my taxes of {$48.00}. I then disputed the charges with affirm for the XXXX way ticket. 

How is it possible that the airline has a policy that denies me boarding and claim that i was a no-show. How is that possible. Affirm ended up siding with the merchant but gave no reasons as to why. They're bigger and more powerful I guess. Now they're threatening to report my account to the credit bureau for being late event though their investigation ended on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I notified Equifax on XX/XX/2023 that I am a victim of identity theft and that my accounts have been compromised and tampered with by the identity thief. Equifax responded via CFPB, complaint # XXXX on XX/XX/2023 stating the items were verified as accurate. There is no way the items can be verified as accurate because they are indeed a result of identity theft. The information is not accurate or complete. I am exercising my rights to a reinvestigation under the FCRA.
Product: Vehicle loan or lease

I was the victim of identity theft. This is a formal dispute to support my position and claim. Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

FNB Omaha # XXXX
Product: Debt collection

I have told this company to cease communicating with me about this account ( XXXX ) and they are still communicating with me indirectly via credit reporting. The fdcpa states that once a consumer notifies a debt collector in writing of refusal to pay or to cease all communications, a debt collector may not communicate with the consumer. In that act, the term communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium. I demand this company to cease all reporting and to compensate me for violating the Fair debt collection practices act.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple addresses that are not exactly correct on my experian report. I sent a letter to experian with my id, ss card, and utility bill. Experian is refusing to delete incomplete and inaccurate information. They stated that I need to contact the creditors that are reporting the incorrect addresses but I currently have no business dealings with said companies. i want these addresses removed.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX I'm aXX/XX/XXXXI have several accounts that was opened without my consent all of these accounts are fraudulent and I need them removed off my credit report. The account is a credit card with XXXX XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXXXXXX for {$120.00}, the next account is XXXX XX/XX/XXXXXXXX the amount is {$2300.00}. PLEASE RESOLVE WITHIN 4 DAYS.
Product: Debt collection

Im disputing the PAST DUE AMOUNT- Experian report {$5500.00} but XXXX XXXX report {$5500.00} im disputing the inaccurate payment history : Auto now report my first payment was on XX/XX/XXXX, but Experian report I made a payment XX/XX/XXXX Im Disputing Missing notice of dispute on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX late open 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 or other personal consumer reports

I am writing to bring to your attention certain concerns regarding the reporting practices of consumer reporting agencies, specifically Equifax, XXXX, and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ). As well as the Furnishers of Information to the Credit Agencies in accordance with the Opt Out Laws
Product: Debt collection

Professional Finance currently has a collection on my credit report for an ambulance bill in the amount of {$3000.00}. I have reached out to Professional Finance XXXX  times and advised them that XXXX XXXX is submitting the bill to my insurance and has stated that the collection should be removed. Professional Finance has refused to remove the collection. They have also refused to contact XXXX XXXX. I have disputed the information but Professional Finance refuses to follow the law and remove the collection.
Product: Debt collection

Jefferson Capital Systems LLC owned a account from XXXX XXXX in the amount of {$1600.00}. This account is 8 years old. I disputed this account not once but twice the last time being in mid XXXX of XXXX, I went to call them & they said they could not talk to me as this account was being serviced by XXXX XXXX  on behalf of Jefferson Capital Systems. XXXX still owned the account though. I asked for the verified info from XXXX they said they would send it & they also told me I could settle for {$1000.00}. Today on XX/XX/2022 I called XXXX & they informed me that the account had been sent back to them but they owned the account the entire time & that XXXX could only process payments & not send out verified information. The payment option that XXXX gave me was different than the XXXX option that I got back in XXXX. So in one week I was told to call a different ( XXXX ) company, got a payment option from that company, sent back to the original company ( XXXX ), asked for the original contract with XXXX with my signature on it & all the documents XXXX had with my name on it. After going back & forth & being transferred 4 times I got a supervisor on the phone. His name was XXXX with Jefferson Capital Systems ID # XXXX. He informed me the account would be removed in full. I have a witness to this phone conversation & was on a recorded line.
Product: Credit card

Dispute regarding payment to XXXX XXXX XXXX XXXX on XX/XX/2023 for {$45.00} I disputed this transaction with Capital one and they refused to refund the money I provided evidence the transaction was cancelled and they refused to accept my evidence
Product: Credit reporting or other personal consumer reports

I noticed that my most recent credit report contains [ a late payment/payments ] reported on [ XXXX ] for my Loan account. Two credit bureau reported this. I submitted proof I did not pay late. They are still claiming it's my fault due to processing error on thier end. One of thier staff gave me extension.