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

I am writing to bring to your attention a concerning matter regarding a dispute involving a transaction made through my Sofi bank account. On XX/XX/XXXX, I initiated a payment of {$700.00} via XXXX to purchase electronic products and stock shares from a seller named XXXX XXXX. Despite my efforts to communicate with the seller through various channels, including XXXX XXXX, I did not receive the products as promised. The seller assured me of a refund but subsequently ceased all communication. 

Approximately XXXX month after the payment was made, I initiated a dispute with XXXX and provided all relevant documentation, including the invoice provided by the seller, a police report, FBI report, and FTC report ( as the seller has all my legal information ) confirming the fraudulent nature of the transaction and No Product has been received. Despite the evidence provided, XXXX closed the case without seeking further evidence from the seller 's side, due to their terms and policies. 

Upon XXXX 's suggestion, I contacted Sofi bank on XX/XX/XXXX, and filed a dispute with their supervisor. I was informed that I would receive an email requesting additional evidence. However, instead of requesting information, Sofi closed the case without further communication. 

Concerned by this outcome, I contacted XXXX to inquire if Sofi had reached out to them for additional information. To my surprise, XXXX confirmed that Sofi had not contacted them and had not requested further information from me. 

Subsequently, I contacted Sofi again to reopen the dispute and offered to provide any additional evidence necessary for their investigation. However, since XX/XX/XXXX, I have not received any response or credit from Sofi, despite the guidelines outlined in Regulation E, which grants them up to XXXX business days to investigate disputes. 

I am deeply concerned that Sofi has not followed federal guidelines and regulations to protect consumer rights or adequately investigate this matter. It is evident that their actions do not align with the principles of fair dispute resolution or protecting the funds of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

This complaint concerns unauthorized money transferrers from our Wells Fargo Account through XXXX Debit. Unauthorized transferrers are as listed below : XXXX {$470.00} XXXX {$480.00} XXXX {$3500.00} XXXX {$3500.00} XXXX {$3500.00} We complained to our branch and to the Wells Fargo Claims Assistance Center. Our claim was denied by Wells Fargo. They stated that the transfer of the money must have been through hacking of our computer. We contacted XXXX, our system security application, and they stated there is not evidence of hacking or a virous on our system. We provided this information to Wells Fargo- but they have not replied for a month. 

The Case Number with Wells Fargo is XXXX
Product: Debt collection

I am a victim of identity theft. I never had an agreement with Possible Financial. My personal information was used to open a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/XXXX I had a XXXX card opened. Had a good relationship with company always paid on time. On XX/XX/XXXX they closed my account for reasons that weren't really accurate. Dispute all that we agreed they would remove this from my closed files as I really did nothing wrong and did not want to see Account closed by credit grantor on my file since I did nothing wrong and was all a misunderstanding since no one notified me when they were unsure if I really was me. 

I had spoke to them on the phone quite a few times about the whole matter. The conclusion was they agreed to remove entire card from ever existing in there words to each of the credit scoring companies was because I had over a 5 year relationship with them and always paid on them but they can not reopen my account due. Which I agreed.
Product: Checking or savings account

I was opening a checking account online with US Bank. I got approved on XX/XX/XXXX. I submitted my form for the opening deposit transfer request, selecting credit card funding. An agent from US Bank called me and I gave her my credit card information to charge {$2800.00} as my opening deposit. I called a couple of days after to check if indeed my money was deposited to my new US Bank checking account and the agent I talked to confirmed. I called again to make sure the {$2800.00} counted toward the {$5000.00} that is required to deposit to this new checking account in order to receive the {$500.00} bonus that US Bank was offering. She said it didn't count because I used my credit card even though it was one of the options on the request form. On XX/XX/XXXX, I transferred {$2500.00} out because she said it didn't count. On XX/XX/XXXX, I tried to look at my US Bank account online and it was disabled. I called and they said US Bank closed my account. They still have my {$300.00} remaining deposit up to now, XX/XX/XXXX. They said it was closed because of suspicious irregular activity. I don't see anything irregular about the transfers that I did esp when it was only open a few days ( 13 days ) then they closed it. I think it's because they didn't want to pay me my new account bonus of {$500.00}.
Product: Credit reporting

I 'm comfortable filling out on-line forms and information. While using the free credit report website to access my annual free reports TransUnion quickly informed me that I had to request my reports by mail, XXXX of them saying it was " for my own protection '' .. I had no problems with navigating back and forth on the XXXX nor the XXXX website but the other TransUnion site was much more confusing. 
XXXX also asked if I wanted to sign up for a 30-day account for free to be able to view and access my account. However, they do not clearly state if they will begin billing after the 30-day free trial or if the account just disappears.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Team - I have settled my forbearance and approved the deferral payment agreement. As per Cares ACT and deferral agreement, when I resume my loan, it will show current on my credit report. I have been making regular payments for the last two months but still, Iberia Bank is not updating and showing that payment status and reporting current on the XX/XX/XXXX and other credit bureaus which is financially and negatively impacting me.
Product: Credit reporting

My lien was released in XXXX ; however, the item is still being reported on my credit report.
Product: Credit card or prepaid card

XXXX XXXX XXXX did indeed take a advance on my discover card i have left messages on the companies answer machine have talked to customer service at discover sent them emails i froze my account i still dont know what happened customer service i get someone different all the time i know i can have the owner arrested i get social secuity i am semi retired when will congress fix our bank what about my credit score
Product: Debt collection

I call the company XXXXMakes Cents Dba advance XXXX he said I had the wrong but its attach to my credit then I called XXXX XXXX and spoke with them on XX/XX/year>. And the lady said she didnt have this information any where on my credit report online and sent to me says other wise.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and related laws that have directly impacted my credit report. These issues include inaccurate reporting, unauthorized inquiries, and violations of my rights as a consumer. Specifically : Willful Noncompliance with Accuracy Standards Under FCRA Section 616 ( 15 U.S.C. 1681n ), there has been a failure to ensure the accuracy of the information reported about me. Credit entries and inquiries were added to my report without verification, exposing me to inaccuracies that could lead to legal liability of up to {$1000.00} per violation. 

Failure to Disclose Consumer Opt-Out Rights As required by FCRA Section 603 ( d ) ( 2 ) ( A ), I was not informed of my right to opt out of sharing my personal information with third parties, which constitutes a deceptive violation of my rights. 

Furnishing Inaccurate Information Per FCRA Section 623 ( a ) ( 3 ), inaccurate inquiries and account entries were reported without proper validation. This includes errors in account details and reporting late payments that do not reflect reality. 

Debt Collection Harassment and Unfair Practices Violations of the Fair Debt Collection Practices Act ( FDCPA ) include reporting debts inaccurately and contacting third parties regarding alleged debts without my consent. This caused undue distress and unwarranted creditor communication. 

Unauthorized and Inaccurate Reporting of Late Payments Late payments were falsely reported on accounts such as XXXX XXXX XXXX XXXX without proper definition or substantiation, violating the FCRAs accuracy requirements. 

Inaccurate Finance Charges Finance charges on reported accounts were calculated incorrectly, a failure of the reporting entities to comply with their legal responsibilities. 

Unauthorized Hard Inquiries Entities like XXXX XXXX XXXX XXXX initiated hard inquiries on my credit report without my express consent, violating 15 U.S.C. 1681b ( a ) ( 2 ), which governs permissible purposes for accessing consumer reports.

Failure to Validate Debts Debt collectors, including XXXX XXXX XXXX XXXX XXXXXXXX failed to provide adequate validation of alleged debts under 15 U.S.C. 1692g. They did not furnish original signed contracts or proof of authorization, making their actions unlawful. 

Given these violations, I requested : Immediate removal of all inaccurate and unauthorized accounts, including XXXX XXXX XXXX XXXX XXXX among others. 
Deletion of incorrect addresses and personal information from my credit report. 
Validation of all debts, with appropriate documentation to confirm their legitimacy, failing which the accounts must be deleted. 
Removal of unauthorized hard inquiries. 
I expect timely resolution, and failure to address these violations will leave me no choice but to pursue legal remedies under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

A few days ago XXXX suddenly stopped working on my phone so Coinbase recommended I disable my account and go through a security check to make sure in which I complied to.

At this point, I am unable to log in to my Coinbase account in which I have a lot of funds put into. For a few days, it was like that and I was getting anxious. I submitted a Help form to see if they can resolve the issue but it was just an automated robot answering my needs which were not helpful at all. I posted on XXXX, XXXX, and XXXX to try to get a hold of them but they would keep on ghosting me. 
Today in the afternoon, however, I received an enlightening text that I was able to access my account. 
Brought to my dismay, when I try to log in to the app, it says there is a connection issue and every time I try to quit the app and try again, it would be the same thing. 
Now, I try to access it onto my computer, which directs me to another site where I have to verify myself with a photo ID, which does not seem complicated. 
However, it has been trying to verify my ID for the past 10 hours when it would say it would take a maximum of five minutes. 
I emailed them multiple times again and took my anger to XXXX and still nothing. 
Their customer support does nothing and I have important funds I need access to before the end of the month!
Product: Consumer Loan

i bought a new car thru kia finance the monthly payments are due on the XXXX of every month I enrolled in auto pay to have it withdrawn automatically from my checking account on the XXXX of every month, I called to cancel auto pay because I decided to pay myself on the due date every month I was told that my DUE DATE was changed to the XXXX instead of just my request for auto pay on the XXXX when I brought this to the attention of XXXX supervisors I was informed that the DUE DATE could not be changed for a year!!! I explained that it was an error on their part not mine and was told that there was nothing they can do they made the mistake I never wanted the DUE DATE changed
Product: Student loan

I was approved for a student loan back in XXXX of this year with a great interest rate. I reapplied in XXXX to get a similar loan and was offered a rate about 4 % higher. I've called numerous times and have been passed around multiple departments. The only answer that I've received is that I no longer qualify for that rate. They will not provide me any information regarding what I need to do to qualify for that rate. They mentioned that my credit score could have significantly dropped. However, all payments have been made on time. My XXXX  monitoring service actually shows my credit score has increased since I took out the previous loan in XXXX. Their only other answer is that it's all a software that decides, and they don't actually know why some of the differences in rate occur. They have given me the run around and haven't provided me any information with the reasoning I do not qualify for their best advertised interest rates. I'm now at the point where tuition is due, so I'm either required to get a loan 4 % above market or apply through a different company.
Product: Credit reporting or other personal consumer reports

I sent a debt validation letter to jefferson capital system wanting verification that this is my account. They recieved it on XXXX XXXXXXXX. I recieved a letter and a bill. This is not verification and i want this removed from my credit report immediatly
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX  XXXX XXXX, XXXX XXXX Company Inquiries : 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

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This information is incorrect in my report. REMOVE THIS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Transunion. I have been turned down for a credit due to mis-reporting information, I have still found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that this company has a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. Please have this account corrected, updated, and repaired ASAP : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I'm disputing the late payments status on my credit report for certain accounts due to a system glitch in the creditor 's system. They admitted the mistake and agreed to correct it to a positive status. Please update my credit report accordingly. Thanks.
Product: Credit reporting or other personal consumer reports

This morning, I was horrified to discover inaccurate accounts on my credit report, and I have no clue how they got there. I routinely check my report, but today, I found discrepancies that weren't there before. I tried refreshing the page, hoping it was just a browser issue, but the errors persisted. Im asking that the documents Ive provided be carefully checked so I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account with TransUnion Dear CFPB, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the following account : Account Details Account Name : XXXX Account Number : XXXX Despite multiple requests for correction, including dispute letters sent on XX/XX/XXXX and XX/XX/XXXX, my requests have been ignored, and the erroneous information remains unchanged on my credit report. This lack of action violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of Errors and Discrepancies : Late payments are incorrectly reported for the following periods : TransUnion : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
The discrepancies include inconsistent dates of activity, reporting, and late payment histories. 
The account has been verified multiple times, yet the inaccuracies persist without correction.

FCRA Violations : Under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. In my case, this respo
nsibility has not been upheld.

Desired Resolution : Immediate removal of the inaccurate late payment notations from my credit report.

Written confirmation of the corrections made. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. Please address this matter with the urgency it requires and ensure compliance with federal laws to protect consumer rights. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX