23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Sofi used to be great, but after almost a year of having my statement balance charged to a bank account that doesn't exist anymore in error, having the support give me multiple tickets on this issue, And now getting hung up on twice while just trying to explain the issue I've been having I don't believe that Sofi is capable enough to be a banking company. The issues i've had have caused my credit limit to lower even when I pay my balance well before the due date to assist with the error that they could not fix in their back end system. It has caused my credit score to plummet due to their negligence. Regardless of how many times I have called each month to get this issue resolved, updating the app, going online, I am met with hang-up after hang up. I'm just trying to get answers. I'm at the point of letting what I owe go to collections to deal with someone who is more capable of handling payment processing. SoFi 's customer service was great for about a year in the beginning when they first opened. But now I met with hostility and anger after keeping a very calm tone in giving all of the information I can to anyone who will listen. I'm a non-aggressive person, and I really like so phi. As a bank, but I need help to resolve this issue and no matter what I have done after sending pictures and mountains of proof that there is nothing that I can do on my end, I am told nothing and get nowhere and suffer due to they're incompetence. The lady that I recently got hung up on was rude. There was silence while I tried to explain the situation and before I could finish the line when it dead. This was after talking to one guy who seemed very knowledgeable but then when talking to him, the line went dead after he began talking about issues that could potentially be with my phone. The only reason I have had to use this credit card and rely on sofi service was because of the medical bills that I needed to pay for that are still not paid for in full. I have called them sometimes multiple times each month since XXXX and have been having the issue since XX/XX/XXXX of last year. They have created 2 tickets, XXXX & XXXX, and have said they pushed out an update months ago that shouldve fixed the issue this last time I spoke with someone today. My credit limit was lowered by XXXX which caused a massive hit to my credit score. After explaining that I have no way of shutting of the statement balance auto payment that keeps directing to a debt account I used to have with them but closed prior to any auto payment being set up, I am ready to let this amount go to collections to save myself any further hits or issues from this bank and deal with someone who is better at processing payments.
Product: Credit reporting or other personal consumer reports

i have recently checked my credit report and noticed some inaccurate accounts being reported in addition to unauthorized inquiries.
Product: Payday loan, title loan, or personal loan

XX/XX/2020 XXXX XXXX made contact with about payment I stated I did not have the payment and would call him back I am XXXX late or 2 months late XX/XX/2020 XXXX XXXX attempt to make a contact with me again but I could not answer as I am an essential worker. He then moments after called 2 of my friends and family members. He did not leave his name or his contact info. I then called him back on my break he asked for payment I stated I would pay it on Thursday. {$170.00} he said that's fine and then you won't owe I Payment until XXXX as he offered me a deferment .... ..after getting more details from the calls he made to try and understand his course of action I called back to lendmark and asked what there corporate number was, which he also said he could not find and wasn't sure of an external number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called Transunion multiple times about Hard Inquiries that I did not authorize, that I want removed from my credit report. I've also sent letter via certified mail, and the inquiries are still on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to delete some of the information in my credit file ; however, there are still items that need to be updated and corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items will be updated and corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXXXXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX 'S XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXX/XX/2022
Product: Credit reporting

None of your options were for me and i had to choose something in order for me to continue the complaint. 

i live in Texas and was filing a lawsuit against Transunion. I contacted the Secretary of State for Texas to get the information for their Agent of Process for Texas. Transunion provided Texas a company name of : XXXX XXXX at XXXX XXXX XXXX, XXXX TX. 
upon a google search there is NO building with that address. it does NOT exist. Transunion provided FALSE information to the State of Texas thus preventing consumers from filing a lawsuit against them having no local agent of process which the courts need. 
i have no documents to submit, but you can do a simple goggle search on the address and contact the Secretary of the state of Texas ( corporations division ) to authenticate the information i have provided.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX  for XXXX XXXXXXXX and {$250.00} XX/XX/XXXX they didn't even notify me for suspicious activity when it is very clear that it wasn't me there were alot of charges for XXXX XXXX  like over 20 transactions yest they didn't block my card but they locked it for a {$20.00} XXXX purchase
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. 

BCM FCU 513040012002**** 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. 

15 U.S.C 1666B : States A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

In XX/XX/XXXX, during the height of Covid 19, my then husband whom is now my ex husband left me and XXXX children with his credit card debt that I was unable to afford to pay. In XX/XX/XXXX, I had exhausted all financial resources and filed XXXX XXXX bankruptcy. I am a XXXX XXXX XXXX, and mother of XXXX children desperately seeking to rebuild my credit in hopes of purchasing a home. 

I am requesting to remove the following closed accounts on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; to improve my overall credit score. I am unable to qualify for a mortgage loan due to my credit score not my overall monthly income.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Report Act ( FRCA ) to reasonably reinvestigate dispute information credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experiences, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

Currently I have a owed on my credit report from XXXX 2012 from Carhop that I just found out about. It is for a total of {$9800.00}. I currently should not owe anything to these guys. As I had the vehicle for 3 days the Check engine light was on the whole time. So I Took it into one of their shops. They said it needed a new engine all together. That they would rebuild one for me and put it in. Almost a month went by as it sat in their shop no new engine no nothing done to it. So went back to the XXXX Carhop to talk to them about all this. They said they were very sorry and gave me my down payment back and everything else I paid up front. Said everything will be cleared. Now I come across this that has been on here since 2012 and had no idea!!!!!! This is not right at all this Carhop company is and was and always will be a very very shady place!!!! I want this removed from my credit Immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022. XXXX, XXXX, and Experian failed to produce an investigative report on XXXX XXXX XXXX XXXX  accounts posted to my consumer report. It is a violation of my consumer credit rights to report on a debt I never validated. It is identity theft to transfer or allegedly transfer a taxpayer identification number without the authorization of the taxpayer to aid and abet a form of payment. It is tax fraud to not sent copies of 1099c and 1099 OID to the taxpayer by XX/XX/XXXX of the following year. It is a violation to assign say any consumer owes a debt and that any debt is seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department. That is a violation of 15 USC 1692e, no lawyer, no collection agency or allege credit grantor can act as a debt collector.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$3.00} XXXX XXXX XXXX Balance : {$5700.00}
Product: Debt collection

Credence Resource management popped up on my XXXX report showing an amount of {$190.00} owed on XX/XX/. I disputed it because I had never heard of this before. No calls, letters, anything of that nature. XXXX ruled in my favor XX/XX/, removing it from my report. I mailed a letter requesting verification of the debt. On XX/XX/, Credence Resource Management showed up on my XXXX report for the same amount. I disputed it. While waiting a month for a resolution, I have not heard back from them regarding my request. The dispute was resolved XX/XX/XXXX  in favor of CRM. I have emailed to try to get more information about this debt. I have only received an email that was password protected. The password is invalid. I do not even know the account number to even try to begin to resolve this debt and my requests keep going unanswered.
Product: Checking or savings account

To whom it may concern, My name is XXXX XXXX, I used my chase checking account ( # XXXX ) transfered {$790.00} to my friend ( XXXX XXXX XXXX 's chase checking account ( # XXXX ) via chase quick pay on XXXX/XXXX/XXXX, transaction number is # XXXX, but my friend did not receive it, then I found out that I used his old cell phone # XXXX to made transfer, not the new cell phone # XXXX. Therefore I filed a claims to chase bank on XXXX/XXXX/XXXX, claim number is XXXX. But they replyed to me that they are not going to make any adjustments to my account. Please help me to get my money back, please feel free to let me know if you have any questions. Thank you very much. XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act Credit Acceptance Corp Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

On XX/XX/XXXX, I received a call from XXXX XXXX claiming to work with XXXX XXXX XXXX and that she was attempting to collect a debt. 

During the entirety of the call, XXXX was rude. She asked about my monthly bills and when I mentioned to her that I have XXXX kids she said that then my tax refund should be enough to cover the bill. I told her that it was not enough and I had not yet received it and she continued to state that I was lying because having XXXX kids I should receive a pretty big refund. She told me the tax credits is XXXX so times that by XXXX it should be plenty. I tried to explain that it was not that and she told me that I was lying. Then she moved onto to tell me that I can get a personal loan from a webpage online. I told her I wouldn't qualify and she got upset with me and told me that then I would have to ask for a loan from a family member. She then mentioned that I needed to reach out to HR where I worked to get a XXXX loan for that amount. She told me that I had until XXXX PM that day to figure it out or it would be reported to credit bureaus. 

I called back at around XXXX PM that day, and she answered the call. I told her I never received a written letter about the amount that I owed and I know that I am supposed to receive it and have 30 days to respond to the letter. She got upset and told me that she didn't have to and that I needed to figure out how to pay right then. I then asked if I could speak to someone else and she said there was no one else to talk to. I hung up and called the number and she answered once again and laughed and told me that I would not be talking to anyone but her. I told her I would not make any arrangement XXXX to make the payment until I received the letter. She told me she was going to move forward stating I was refusing to pay. I told her that I was not refusing to pay that I am just asking for the written letter stating the information regarding the debt. When I mentioned that she stopped talking and waited for me to hang up. 

I have not received a written letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit report, I've noticed you are reporting errors which are hurting my good name. I need your immediate attention on this matter Account Name : XXXX XXXX Account Number : XXXX How is it possible the account was ( paid, closed ) yet there are no dates indicating when it was updated? 
When was it closed? 
When was it paid? 
What amount was paid? 
Why is it being reported as a collection an entire year after the date is was suppose to be ( paid, closed ) Where is all the previous data with current payments? 

This information is very inaccurate and incomplete Delete for inaccurate data being furnished on my credit file.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX  regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, verifying that I, XXXX XXXX XXXX, am mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Credit reporting, credit repair services, or other personal consumer reports

The addresses and name on my credit report are fraudulent.
Product: Debt collection

On XX/XX/XXXX I received a phone call from a debt collector who Identified herself but not her company via voicemail. I returned the phone call and after stating I was the party that they were looking for the female who answered proceeded to tell me this was about a debt and asked why I stopped paying the debt. She did not identify who she was with or the name of the company that originally owned the debt until I asked about it. While this was not a violation of FDCPA, she did fail to give notice that is is an attempt to collect a debt and any information obtained will be used for that purpose. 

The primary reason for the complain is a violation of FDCPA section 809 subsection a ) notice of debt ; contents. 
" Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- " It has been 8 days since the initial communication and the collector has not sent notification. This is a clear violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX and I have placed a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Equifax, XXXX, XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the 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 personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " 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. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Credit reporting or other personal consumer reports

I requested service to my air duct and was ad used it needed to be changed. 

I did not have the amount for the repair so I tried applying for credit they XXXX attempted XXXX or XXXX companies they use for financing customers and I was told that I was not approved. 

Each month this company has been running my credit reducing my credit score for amounts of inquires.
Product: Credit reporting or other personal consumer reports

I just reviewed my credit report and discovered unauthorized inquiries that I cant explain. I thought it might be a temporary issue, so I refreshed my browser, but the inquiries didnt disappear. This has left me frustrated, and Im asking for an immediate review of my documents to put this problem behind me once and for all.
Product: Debt collection

I received a call from a company phone number XXXX saying they are a lawyer and I know I had a debt with the TCF  Bank back 2007 I think plus it is not on my credit report so I was willing to pay half the debt and get it over with they wanted me to give them my debit card I asked could they mail me out something about this cause I had a friend that someone did the same to her and it was fraud they had my name, social security number, my old address I asked could they mail me out something with the office name but they said it could take up to 7-14business days I asked about email still no respond I gave them my email address XXXX I called back they wouldn't tell me the law office name or who was handling the case can someone please help me if it's true I will pay have of the bill like they suggest just don't want to be scam
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's finding indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Bank account or service

I put my money in XXXX XXXX XXXX XXXX. in XXXX XXXX, Mo., when XXXX XXXX was the president than he and my money was transferred to XXXX XXXX in XXXX XXXX Mo., where XXXX XXXX was also the Banks President. Now my money ( XXXX dollars ) and XXXX XXXX has disappeared. my name is XXXX XXXX XXXX and my address is XXXX XXXX XXXX XXXX 
XXXX XXXX