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

am writing this letter to bring to your notice the following information added to my credit report falsely added to my credit report without my pier knowledge. The mention details are incorrect and the account are under business name and they submit the charge off under my name. 
I request you to revise the report after deliguns. I request you to clear my credit report as soon as possible to help me continue business. 
1-Account charged off. {$2.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Account info Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility 2-Account name XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$640.00} past due as of XX/XX/XXXX. 



3-Account name XXXX XXXX Account number XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$15.00}, XXXX written off. {$15.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$15000.00}
Product: Vehicle loan or lease

On XXXX of XXXX, my Hyundai XXXX was deemed totaled by XXXX. I immediately connected with the deal, XXXX for the Gap insurance information because I was informed by XXXX that their value would not cover the full balance. Upon receiving the Gap information, I called the XXXX for instructions. I immediately contacted Hyundai Motor Finance to inform them of my misfortune. I gave them XXXX 's information and the information for the Gap company, XXXX. I was told by the representative the claim was still new and they had to wait to see what XXXX would pay before they would file a claim with XXXX. I was reassured they would handle it from that point. 

On XXXX XXXX, XXXX, I received a demand letter requesting I pay the difference that was not paid by XXXX. I immediately called Hyundai to inquire as to what happened the gap claim. I spoke with XXXX who informed me that was not their job. May add that was not what was told last year. She was curt and brazen in her tone and refused to provide any assistance. I called the XXXX to find out what I needed to do. The first represented was n't very helpful and I demanded to speak with a supervisor who informed me if Hyundai can prove that they did try to reach out to them then they might be able to help. It appears that if they are not informed after the insurance company pays. the consumer forfeits their claim. I find that ridiculous. The supervisor stated that they should have emailed me a list of items needed to satisfy the claim. I told her I never received the email and she informed me it may have gone to spam. As a result, she sent the information again to help me get started. 

After getting off the phone with XXXX, I immediately called back Hyundai for more information. I waited on the phone for twenty-five minutes only get XXXX who stated she could n't hear me and I needed to call back. She proceeded to disconnect the call. At which point, I decided it would be best get you involved. When your finance company drops the ball and demand payment, ( after they reassured me, they would handle the matter ) I need a power greater than myself to get answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX Creditor : XXXX XXXX & XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX XXXX : XXXX XXXX XXXX- Account : XXXX XXXX XXXX XXXX  XXXX  XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor XXXX XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account : XXXX Creditor : XXXX AT T XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
Product: Checking or savings account

In XXXX of 2021. I fell asleep with asleep with a girl I didnt know very well in my hotel room and she used my phone to XXXX XXXX herself {$2000.00}. I was really upset and was drinking with someone I also didnt know very well and told him about it and he steals my phone when Im in the bathroom and XXXX XXXX himself the rest of what was in my account which was another {$5000.00}. He also used my XXXX XXXX credit card that was linked to my phone. XXXX XXXX paid me in full for all the fraudulent charges but Bank of America has denied my claim and denied my dispute. I believe this to be unlawful. They told me that they denied it on the grounds that these people had permission to access my account which is obviously not true. XXXX people that should not have had access to my account accessed my account and I havent gotten my money back from Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently requested that information my credit report be removed to the fact that when I settle with my closed accounts I was promised the removal of closed accounts if I settled with second party agency that house my debts This information was false or misleading and is a direct violation of the consumer law I have stated this many of times and have been ignored repeatedly I just want these closed accounts remove off my credit report immediately from all three bureaus 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.F.C. & 1681i, which mandates a reasonable investigation of disputes. Futhermore, Equifax 's actions may also contravene the CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the Federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

Chase closed my checking account and my one chase c.c. Spent 40 mins. On phone they gave no explanation besides it's within the right to do what they want. Bullies.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHOENIX FINANCIAL SERV Original creditor : XXXX XXXX XXXX ALABAMA  {$480.00} Balance updated XX/XX/XXXX... The collection has been reported as pasted due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Balance due {$1900.00} Date opened XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reportingact. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC-1681. 

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  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 or crimes which antedates the report by more then 7 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 the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

To Whom It May Concern, I opened a loan with SoFi, and on XX/XX/XXXX, they communicated that the funds had been disbursed to my previous lender. 

I only became aware that my previous loan had not been paid off when my existing lender ( XXXX ) informed me during a call that they had not received the funds. 

When I contacted SoFi to get information on how the funds were sent, they could not provide any details. 

After multiple calls, I was initially told that the funds were sent via postal mail as a check. I made additional calls to determine whether it was sent via registered or regular mail, but no clear answers were provided. 

For several weeks, I was transferred between loan servicing and loan originations, with no resolution. Later, I was informed that the payment was not sent via postal mail or check but instead through a wire transfer.

However, when I requested details about the wire transfer, SoFi has been unable to provide any information.

Fast forward through multiple calls and weeks of waiting, and now Ive been told that the payment was sent to the incorrect place. When I asked why this wasnt disclosed earlier despite my numerous inquiries, there was no answer.

Now that they claim to have corrected the issue a few weeks ago, I have asked when my previous loan will be paid off, yet I still have not received a clear answer.

Since SoFi records all calls, this information can be confirmed in their records. Additionally, I have my own recording of conversations with loan origination and loan servicing, where they still can not provide an answer regarding when the previous loan will be settled.

Meanwhile, SoFi has begun charging me for the new loan ( including payments and interest ) without proving that the funds were ever disbursed to my previous lender. At the same time, I am still being charged interest on my previous loan, which now has a late payment.

This goes beyond poor business practices and raises serious concerns. If this was simply a mistake, why has SoFi failed to provide any supporting information?

I need immediate assistance to review this matter, as every customer deserves full transparency regarding their refinanced loan and assurance that SoFi has fulfilled its responsibility to pay off the previous loan.RegardsFelipe
Product: Credit reporting, credit repair services, or other personal consumer reports

The company did not provide adequate information as to how the information was verified as accurate. 

The company did not provide additional information as to proof they are within legal reporting time limits to report the derogatory information I would like for the derogatory information to remove old outdated information from my credit file. The Department of Education has been reporting for over 7 years that I have or had made a late payment on a student loan account that was once owned by SalleMae. The loans were consolidated and have since been submitted to The Department of Education for discharge. I attended XXXX XXXX in 2009 the school was sued and closed down which made me eligible for a loan discharge. The derogatory remarks on my report are damaging. I would like you to consider removing the negative payment from my credit reports. I say this not to justify why my payments were late, but rather to show that the later payments are not a good indicator of my actual current credit worthiness. At the time of the late payment my hours were slowed due to caring for my mother who has now passed. I have been denied credit on several loan request due to these reporting Im unable to get a reasonable house loan and since Covid-19 with the economic impact lenders are hesitate to provide funding at reasonable interest rates. my loans are currently on an administrative deferment due to the class action lawsuit against the Department of Education and currently my application status for discharge is pending. I hope that department of education is willing to work with us on erasing these marks from my credit reports.
Product: Checking or savings account

I and my husband have few accounts with Discover bank. Checking account with debit card although has my husband 's name on it has my social security deposited into it. I exclusively manage all accounts. From that checking account I instituted monthly payment for my car to XXXX XXXX in the amount of {$500.00} to reach by a due date of XX/XX/XXXX of each month. For some unknown reason payment in XX/XX/2019 was not made on time and I made an order for electronic payment on XX/XX/2019. Discover usually mails a check. That belated checked XXXX attempted to cash twice until I called them and told them that since they received an electronic transfer there is not money to cash the check because funds were exhausted in that electronic transfer. Yet Discover mailed me by mail and through secure message center on line sent me notices about " insufficient funds. '' XX/XX/XXXX payment was cancelled altogether although Discover claims that it was me or my husband who cancelled the payment which is a lie. At this point it is clear that Discover acts as a fraudster.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate and remove fraud information which I listed in identity theft.
Product: Vehicle loan or lease

On XX/XX/2017, I verbally authorized a telephone payment of {$630.00} to WELLS FARGO DEALER SERVICES. They withdrew {$930.00} - I did NOT authorize this payment. I have reached out numerous times to them to determine how this could have happened. To date, wells fargo has not responded..
Product: Mortgage

I sold my home in XXXX, Florida and paid off the mortgage with Loan Depot. The balance was paid off on XXXX XX/XX/2021. Per the law I was to be refunded my escrow balance and any overpayments. I have yet been able to receive my refund. According to Loan Depot the refund was mailed on XXXX XX/XX/2021 but was mailed to an erroneous address which I never received. I was told on XXXX XX/XX/2021 that I had to wait until XXXX XX/XX/2021 to ensure the check had not been cashed and that they would reissue the check and express mail it to me overnight on the following Monday XXXX XXXX and that I was to call in on Tuesday and receive the tracking number for the shipment. I was then told on Tuesday that the check had not been reissued nor sent overnight. I spoke with a supervisor who assured me the check would be reissued on XXXX XXXX and on XXXX XXXX I could call and get the tracking number. On XXXX XXXX I was told that the check had been released but had not been sent overnight because there was no tracking number. To date on XXXX XXXX I have not received the refund.
Product: Checking or savings account

I am writing to complain about how Axos Bank, doing business as XXXX XXXX, acted in bad faith by not alerting me to important changes regarding the rate of return of my Savings account. 

In XXXX of 2022, I opened a Savings account at XXXX XXXX. There was only XXXX savings account offered, and it was called XXXX XXXX. My online statement was simply labeled Savings, not XXXX XXXX. Even as I write this letter, nowhere on my online statement does XXXX XXXX appear just Savings. 

As the XXXX  started to raise interest rates, XXXX  website continued to herald their increasing Savings account rate which, I assumed, my account was earning. But in an obvious slight-of-hand, at some point as rates were increasing, they changed the name of their XXXX account from XXXX XXXX to XXXX XXXX, which was the only savings account paying the advertised interest. I was never alerted to this and neither the name XXXX XXXX or XXXX XXXX appears on my statement just the word XXXX. 

I had no way to know that even though the bank did not even offer XXXX XXXX accounts to new savings clients, they simply kept my account as a low-interest XXXX XXXX account, earning only a little over 2 % ( the rate when the account was opened XXXX months ago ) instead of the ever-increasing rates of return they offered on their newly named XXXX XXXX accounts over the last XXXX months. As rates have almost doubled in that timeframe and with almost {$250000.00} consistently in that XXXX XXXX account from the start -- the lost amount of interest I should have been paid is significant. 

Changing the name of the savings account which paid the ever-higher interest rates without alerting me or making it obvious on their website is deception of the worst kind. It was both deceitful and unethical. The least they could have and should have done is to alert me to this change, and give me the opportunity to switch to the higher yielding XXXX XXXX. 

When I recently discovered all of this, I demanded they retroactively pay me the interest I was entitled to and they refused. I believe Axos bank, XXXX XXXX XXXX, should be held accountable for their actions and ordered to pay me the interest my account rightfully should have earned.
Product: Debt collection

I don't recognize this collection this account where open fraudulently I demand proof that original creditor had a permissible purpose under 15 u.s.c 1681b to access or report my information. absent of such proof, I want them to delete this entry immediately from credit report thank you.
Product: Debt collection

I had an identity theft they opened a credit card with this bank that account is fraudulent and I contacted them and they closed the account but I need to be removed from the credit bureau because it affects me. 

Account : # XXXX I was also a victim of another XXXX  XXXX XXXX XXXX  they helped me and solved the problem because they investigated and came to the conclusion that I was a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is NOT showing all of my accounts even know the lenders have told me they are SENDING the into TO XXXX in XXXX case its showing an account closed that is clearly OPEN Etc XXXX XXXX/XXXX  Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mo ) ( showing closed ) XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX ( XXXX  yrs, XXXX  mos )
Product: Credit card or prepaid card

I got charged {$140.00} from a collection agency called XXXX XXXX XXXX  that Ive never heard of on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Complaint last XX/XX/2022 requesting that you need to make an investigation regarding to the disputed account from my credit report as well as update this account from my report during the investigation period. As of this date, you have failed to respond to my request. ( XXXX XXXX XXXX XXXX XXXX Balance {$0.00} )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the below accounts has violated my rights : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section 602A, states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my name to try to get a student loan. I did not give anyone my information to apply for a student loan. It hit my credit really hard and took my credit score down. I am not applying for a student loan. through XXXX XXXX. I need this looked in to and removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/1982 SS # : XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to file a formal dispute regarding multiple violations that have come to my attention concerning the credit reporting practices of various creditors. These violations encompass several aspects of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and Fair Credit Billing Act ( FCBA ). 

The violations identified in this dispute include but are not limited to : Incorrect high balance Inaccurate date of last activity Reaged accounts Reinsertion of accounts without proper notice Undated late payments Charge-offs listed as open accounts Collection accounts with credit limits These violations have had a profoundly detrimental impact on my life and financial well-being. Allow me to share a deeply personal account of how these issues have affected me : It is with great concern that I request the Consumer Financial Protection Bureau to enforce my legal rights and ensure that the relevant provisions of the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA are adhered to. These laws exist to safeguard consumers like me from unfair and misleading credit reporting practices. 

In light of these violations, I kindly request that the following unverified accounts be removed from my credit report : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I am committed to rectifying these inaccuracies and ensuring that my credit report reflects accurate information, as I believe that my financial stability and future opportunities are being unjustly compromised. I humbly request your intervention in resolving these matters promptly. 

Thank you for your attention to this matter. I have enclosed supporting documentation that substantiates my claims and provides evidence of the violations. Your assistance in rectifying this situation is greatly appreciated. 

Sincerely, XXXX XXXX