23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was hacked in my acct with Sofi. The phone number and email were changed. In XXXX. They then subsequently tried to remove {$60000.00} from my checking acct which I didnt have. My bank charged me {$260.00} in overdraft fees which I got removed thank to prompt action by XXXX my bank. I the after several failed calls to Sofi I finally got on the phone with them. Told them to sell all my stock and withdraw my money and close my acct. and several tries and multiple emails and calls. Sofi then withdrawal several fees and other actions left me with {$1900.00} in my acct. never got an explanation of fees or why they were taken out. After multiple attempts to withdraw my money to no success, I contacted XXXX XXXX attorney with XXXX. He drafted a letter to Sofi demanding contact and resolution. Within a ten day window. No response from Sofi. And as of today I still dont have my money and acct is still open. I also when I call they cant find my acct due to them never changing the hacked email
Product: Debt collection

I believe my ex-wife use my identity to take out a loan for {$5100.00} against our old house. I was not there when this was done she mustve signed my name and I do not owe this debt. Her name is XXXX XXXX XXXX that who owes the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a bunch of credit inquiries on my report from a bunch of unknown companies on my credit report. I need these removed asap
Product: Debt collection

4 times I have asked this company to not call my number. The person who owned my cell phone number before me has debts and it has n't been there number for years! At this time I am very angry
Product: Money transfer, virtual currency, or money service

As of XX/XX/2022 on recorded line customer service representative told me after submitting Affidavits I will get back all my unauthorized XXXX transactions but then they refused it I just want my hard earned money back
Product: Debt collection

Amerifinancial Solutions claims I have a debt of {$540.00} from XXXX XXXX. They placed the debt in the derogatory marks in XXXX, XXXX and XXXX. I have no such debt and they have not supplied me with proof. I had them removed from XXXX and XXXX. I submitted a complaint to them through XXXX and they were not removed. They have not supplied proof of this debt. They need to stop reporting this to XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. My account was closed for no apparent reason at all and the customer service representative was unable to provide a reason for this.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and 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.

According to the Fair Credit Reporting Act 15 USC 1681 section 602a - states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' 15 USC 1681 section 604a 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 ( b ) ( c ) - states that " A financial institution may not disclose nonpublic personal Information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 

Not only that 15 USC 1681C ( a ) ( 5 ) - states Except as authorized under subsection ( b ), 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.

This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) - states " 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.

15 U.S. Code 1681e - states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX, XXXX and XXXX are not maintaining reasonable procedures.

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Privacy Act of 1974
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has apparently signed me up for a 'ScoreWatch ' service, which I never ordered. I purchased a one-time credit report from them on XX/XX/XXXX, and found that magically I also made a purchase on XX/XX/XXXX for something called 'ScoreWatch ' - which was not actually me. I did n't buy that XXXX. I used to work for a XXXX XXXX XXXX company that sold that XXXX, and know it 's not useful and a waste of money. I would never buy that. That purchase shows a cancel date of XX/XX/XXXX - so it seems they billed me for it for a month then cancelled it automatically, to get that extra payment from me. I 've had issues with these people before, where they kept autorenewing a cancelled product purchase, and not actually cancelling my order after calling in to cancel it and being told it was cancelled. Now I just called in to ask them to cancel this current scam, 'ScoreWatch ' ( even though it shows as cancelled, I wanted to make sure ) - and the guy tells me 'due to technical difficulties, we cant help you at this time. Please call back in two to three hours '. I said " ok ... .but '', and he says " its just due to technical difficulties. please call back ''.
Technical difficulties my XXXX. It 's a tactic to generate what the industry calls 'breakage ' - people forget about their coverage/policy, so they continue to collect premiums/revenue with no actual cost or risk to them. By the way, the guy I spoke with I got to through their menu options specifically for 'cancel a paid equifax product ' - if their system was actually down for technical reasons, they would have worked with the telecom system to instruct callers to call back - unless their call center is playing games to make their service levels look great ( 100 % of calls answered within 60 seconds! Because they are basically answering then telling people to hang up and call back .... ). Equifax is a sketch company, and they need to fix their practices. I 'm glad you had that settlement with them recently for deceptive practices in regards to score costs. They deceived me, multiple times. I wish that I would be refunded some of that settlement money. They need to be hit in the pocket book for anything to matter to them, I know how compliance departments work at these companies. They dont give a XXXX about compliance, except in as much as it risks their bottom line. Equifax Complete Premier PlanXX/XX/XXXX XXXX Details XX/XX/XXXX Equifax Credit File XX/XX/XXXX XXXX XX/XX/XXXX Equifax Complete Family Plan XX/XX/XXXX XXXX Details XX/XX/XXXXEquifax 3-Bureau Credit Report and Scores XX/XX/XXXX XXXX Details XX/XX/XXXX XX/XX/XXXX Equifax Complete Advantage PlanXX/XX/XXXX XXXX Details XX/XX/XXXX Equifax 3-Bureau Credit Report and ScoresXX/XX/XXXX XXXX Details XX/XX/XXXX XX/XX/XXXX Equifax 3-Bureau Credit Report and Scores XX/XX/XXXX XXXX Details XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

UPSTART is sharing my nonpublic personal information with nonaffiliated third parties XXXX, XXXX, & XXXX. UPSTART does not have my consent to have and share my private personal information. The information that they are reporting is inaccurate and false. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing, they sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$58.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX ) XXXX Balance : {$950.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX credit companys have accounts not set up by me they was open under my info after loosing wallet with ssc in it as well only account I have open for myself is any open credit card accounts XXXX XXXX being one them but lot of inquirys and accounts claiming I owe money and I was not one that open those accounts stated I'm pist these companies both do nothing but come back from many dispute saying information is accurate info when I am victem of froudulant charges in my name I demand to get delete off my credit reports from both companies but they refuse to listen to me they are in violation of putting on my report these reported many times by myself they not open by myself they still not only keep on but violation of refreshing dates as well when disputed please have them both companies have these negative balance accounts deleted off my reports asap please and thank you XXXX XXXX ssc # XXXX birthday is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX my SS XXXX and is DOB XXXX please delete the following fraudulent addresses from my credit file : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , PA XXXX XXXX XXXX XXXX, XXXX , OH XXXX I have phone numbers on my credit file that do not belong to me. Please delete the following numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX i would like a new credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Bankruptcy is listed on my credit report. I didnt file a bankruptcy and I have contacted the court. The court has informed me that they didnt supply them with any ino about me, but the bureau is saying that I indeed have a bankruptcy. It is not being verified because it is ficticious and they have not contacted the court. They are willfully providing false reporting.

I have submitted a fraud affidavit along with the police report number from the city of XXXX # XXXX and they will not remove all of the listed fraudulent accounts and address and inquiries from my credit report.

The listed fraudulent info is XXXX  XXXX bankruptcy XXXX XXXX {$11000.00} XXXX XXXX {$4900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  {$2400.00} XXXX XXXX {$11000.00} XXXX XXXX {$4900.00} US Dept Treasury {$3700.00} XXXX {$61.00} all Dept of Education XXXX accounts multiple XXXX  XXXX XXXX {$5600.00} XXXX XXXX {$5100.00} XXXX XXXX {$160.00} inquiries XXXX XXXX XXXX XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX US DEPT ED XXXX XX/XX/2012 XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX U S DEPT OF ED/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, personal loan, or advance loan

I've recently discovered that my account has been charged at an interest rate of XXXX %, a detail that was not explicitly communicated to me. The realization came as a surprise, especially after having paid {$1000.00} in interest, which I presumed would have reduced my principal significantly. It's essential for me to have clarity and transparency when it comes to financial matters, and this unexpected discovery has placed a considerable strain on my finances. 

I called them and they were rude, they said they will not do anything with this account, and i should take care of all the fine prints etc. 

DO NOT USE XXXX, or UNIVERSAL ACCOUNTING SERVICES. 

XXXX XXXX SEND ME TO THOSE
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i.

In response to my dispute regarding the account XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXXXXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate. According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a
consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.

Enclosed, please find a copy of my identification and a recent utility bill for verification purposes. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have disputed several transactions and sent documentation to Chase Bank via fax and Chase claimed that the forms with supporting evidence were not received even though I have successful fax confirmation from third parties. 

Dispute transactions are : The XXXX XXXX for {$300.00} XXXX for {$300.00} XXXX XXXX for {$240.00} Hue for {$92.00} XXXX for {$260.00} These transactions were disputed and the merchant did not provide clear evidence that contradicts my disputes and the bank did not process my response to the merchants documents.
Product: Credit card or prepaid card

On XX/XX/XXXX I, XXXX XXXX ( XXXX XXXX ), applied for a credit card at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ). Surprisingly, my application was denied at the store. 
In XXXX weeks I received a letter from Synchrony bank, describing that the reason for the denial was an unsatisfactory payment history with Synchrony bank. The decision was made without any credit reports, which is stated in the letter. And I have a pretty high credit score of XXXX and my credit usage is 3 %. 
On XX/XX/XXXX I called Synchrony bank at ( XXXX ) XXXX and talked with account manager # XXXX. First, I was denied even to explain to me the reason for credit card denial ( I asked for transactions which they treat as unsatisfactory because I am very careful with my payments ). After that, the representative looked through my history with their bank since XXXX ( when the card was opened ) and informed me that she can not find anything negative, except that only XXXX small autopayment was bounced in XXXX, which I paid right away after it bounced. That is all for the XXXX years. 
Alter that, Synchrony bank account manager XXXX told me that it is their privilege to decide if they want to proceed with my application or decide to deny it. She also explained that they do not use Credit reports while making decisions. 
As a XXXX immigrant, who works really hard and has a good credit history, I find Synchrony bank 's decision discriminatory and XXXX. Unsatisfactory payment history is a lie to cover unfair treatment. The federal Equal Credit Opportunity Act prohibits creditors from discrimination against applicants.
Product: Credit reporting

A subject selection for my issue is not available so I improvised ... 

My homeowners insurance company notified me that my renewal " premium has been adversely affected by information received from LexisNexis ''. The impact is {$68.00}. 
I obtained a copy of the credit report. 

The report reflects that I have XXXX accounts with high credit over {$530000.00}. What they are doing is adding up every single account I have opened in my entire credit history, which they have since XXXX. The reality is that I replaced XXXX cars every 3 years. Report includes all my car loans starting in XXXX. What is the relevance of a car loan I took 23 years ago? How absurd is this? Even though I 've never had a late payment, the length of my history works against me. The report does not distinguish between " concurrently open '', " historically '' and " currently open ''. It is adding together without any distinction among mortgage, car loans and credit cards. 

The report is supposed to provide a fair representation of my insurance risk, yet the ways LexisNexis is going about it is discriminatory against those with lengthy history. And those with lengthy history are by definition older and deserve the protection of the law!
Product: Vehicle loan or lease

I ask over 30 days for Exeter Auto Finacial to send us out invoice on our auto loan.We have not got invoice for over 1yr.And furthermore in State of Utah its against the law to HARASS Family Memebers, as Exeter has been doing.Family members i never gave any of there phone numbers to Exeter when we got the loan in XXXX XXXX in XXXX XXXX , S.C. XX/XX/2018.They Harass Nephews, Brother, and my Son and family members.Exeter never leaves message account number, futhermore Jerks Never will i send them payment anymore.They want the Car go get it, iam taking this up with President of USA, that CFPB.com / FTC.org is  allowing this company Harass, iask ask many times to get invoice nothing.Same on XXXX XXXX XXXX we never got invoice for almost 2yrs.Iam damn tired paying on something no invoice.Law states we suppose get monthly receipt for paying.And iam not going put up with harassment i will try fine us attorney to sue.I/we paid over an over $ 500.amonth and our payment is {$450.00}. we never can login our account, so paying $ XXXX.over evey month can go to principal.But my wife has XXXX XXXX XXXX XXXX XXXX and all this XXXX/XXXX is making her more up-set, you quit harassing Family members, if her XXXX XXXX XXXX  you are lieable for her death.
Product: Mortgage

I submitted with Ameris bank paperwork and check of {$150.00} for appraisal to get my PMI dropped in late XX/XX/XXXX. XXXX was completed XX/XX/XXXX. On XX/XX/XXXX loans was sold by Ameris bank to XXXX. I have spoked many times to both banks. On XX/XX/XXXX I was told by Ameris bank that everything will be transferred over to XXXX when completed on their end. An additional call I was told by XXXX that everything would be completed by XX/XX/XXXX and sent to XXXX for my PMI to be dropped off loan. On XX/XX/XXXX XXXX stated everything was send to XXXX and they have the appraisal. As of XX/XX/XXXX XXXX does not have the information needed from XXXX. On XX/XX/XXXX XXXX stated that my documents were still in research stage and will not be completed till XX/XX/XXXX.