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

checked my consumer report and noticed that there are fraudulent accounts on my consumer report. Those accounts are a Credit card with XXXX XXXX that is now closed with a amount of {$2100.00}. A personal loan that is closed and shows a late payment with Possible finance for {$60.00}. There is a charge off collection with XXXX XXXX that was sold to XXXX XXXX on my XXXX consumer report. I have never done business with this company. I have never done business with XXXX XXXX. XXXX has a collection on my Equifax consumer report. I have never done business with this company. I have the following fraudulent inquiries on Equifax. XXXX XXXX, XXXX, XXXX, XXXX And XXXX. These fraudulent accounts and inquiries has cause me financial injury. UPDATE, XXXX has places a collection on my consumer report for the company XXXX XXXX. This collection is fraudulent because i have never opened an account with XXXX XXXX XXXX, BANK XXXXXXXX XXXX! This is not good faith Pursuant FCRA
Product: Debt collection

I did not receive any communication from the company. I did not even know about until it showed up as collection on my credit report. I can not even ask for proof because I never receive a demand letter or any other communication from them. The debt collector is Enhanced Recovery. It is on my XXXX report.
Product: Debt collection

Ic systems called repeatedly after I told them to stop calling my work number XX/XX/22 3 times XX/XX/22 2 times XX/XX/22 once, XX/XX/22 once XX/XX/22 once XX/XX/22 once XX/XX/22 two times XX/XX/22 two times XX/XX/22 3 times XX/XX/22 3 times, they even block there number or call from multiple numbers
Product: Checking or savings account

I followed a link online advertising open a Wells Fargo Everyday Checking account by XX/XX/XXXX and make 10 transactions OR have {$500.00} in direct deposit to your new checking account in your within your first 60 days and receive a {$250.00} incentive. I opened my account on XX/XX/XXXX and completed my transactions on XX/XX/XXXX. I emailed Wells Fargo through my new checking account on XX/XX/XXXX to make sure I followed all the required steps to ensure I 'd get my incentive and spoke with XXXX XXXX who said I just needed to fill out a XXXX, which she sent me in a pre-addressed envelope, and wait 45 days. I filled it out and mailed it back the following week. I waited aprox. 45 days and checked my account again and saw I had n't received the incentive so I gave Wells Fargo a call on XX/XX/XXXX. I ended up speaking with 3 different people because the first time I was n't speaking to the write person and the second time I was transferred to the wrong person. Finally with the 3rd guy I explained my situation and was asking to make sure that I had done all the right steps to ensure I would get my incentive. He then laughed at me and told me I was n't getting the money because I missed the deadline. He informed me the deadline to open an account was XX/XX/XXXX and I opened my account on XX/XX/XXXX. I informed him that I actually opened my account on XX/XX/XXXX and I had an email from Wells Fargo saying my account was eligible for the incentive if I did the required steps, I had emails from XXXX XXXX saying I just had to fill out the XXXX, and I had a screen shot of the page I clicked on to apply with the deadline. He offered to file for it to be reviewed but laughed and said they were n't going to pay me. I thanked him for his time but told him I 'd email Wells Fargo again and resolve the issue. That same day, XX/XX/XXXX, I emailed Wells Fargo informing them of the above and wanted to know when I would get my incentive that was advertised. They wrote back that they would pursue the issue further and I have n't heard back.
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized activities on my credit report. Specifically, I have identified an auto loan and multiple credit inquiries that I did not authorize. 

1. Unauthorized Auto Loan : Lender : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$13000.00} This loan was opened without my knowledge or consent. I request the removal of this account from my credit file immediately. 

2. Unauthorized Credit Inquiries : XXXX - XXXX : XX/XX/XXXX NXXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date XXXX XX/XX/XXXX XXXX  XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX XXXX - Date : XX/XX/XXXX XXXX  XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX These inquiries were made without my authorization. I request that these inquiries be removed from my credit profile. 

These unauthorized activities have negatively impacted my credit score and caused significant distress. I seek the CFPBs assistance in resolving these issues promptly by contacting the companies involved and ensuring that these unauthorized entries are removed from my credit report. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

Approx. in XXXX of 2024, I opened an account with SoFi Bank and have had XXXX access to my XXXX with SoFi after over 20 phone calls, & months later, I STILL HAVE NO ACCESS TO XXXX!! SoFi needs to be shut down and investigated for fraud! they are lying to me about the reasons why and trying to push me off onto XXXX customer service knowing that XXXX wont help anyone who has issued with XXXX through a bank!!!!!!!!!! I was told on every call that tickets were being opened only to find out today THERE WERENT ANY TICKETS SUBMITTED!!!!!!!! I am DISGUSTED with SoFi and would like to be contacted by anyone higher then a call center supervisor!!!! 

complaint # with SoFi XXXX XXXX # for member security team with - XXXX
Product: Student loan

I was making overpayments towards my XXXX XXXX loan through Navient. I had selected the " Quick Pay '' option not realizing that overpayments would not be applied to my principal. 

I got ahead in my payments and for a couple of years enjoyed " {$0.00} due '' on my statements. There was never any indication how ahead in my payments I was. 

However, my balance never went down. My balance remained at " {$3800.00} '' between XX/XX/XXXX until XX/XX/XXXX when I noticed that my balance hadn't moved. 

I called my servicer and they told me that overpayments only pushed my payment date back. Any money would be applied to unpaid interest, and the rest would push my due date back. 

I asked my servicer to reapply my payments to go towards my principal ( which i thought i was doing anyway XXXX and they refused. I paid {$970.00} towards interest only between XX/XX/XXXX and XX/XX/XXXX. There were many months where money wasn't applied at all. My balance never moved. 

If I didn't catch this, there's no telling how long this would have gone on. 

It's frustrating because I was AHEAD in my payments and my balance didn't move AT ALL. Had I made my payments as normal, my balance would be hundreds of dollars lower. 

NAVIENT STOLE {$970.00} FROM ME!
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE UPDATE ALL CREDIT BUREAUS FOR AUTO LOAN WITH XXXX, REVERSE ALL LATE FEES AND UPDATE ALL BUREAUS TO REFLECT PAYING AS AGREED NEVER LATE NEW BALANCE XXXX {$18000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion report is showing that I have a delinquent account in collections from XXXX XXXX XXXX which was opened XX/XX/2014. The original creditor was XXXX XXXX XXXX in the amount of {$520.00}. This account is showing that Ive paid XXXX dollars towards this debt. This debt has been PAID IN FULL in the form of my state tax refund being held to FULLY pay this debt. 
Creditor Information XXXX XXXX XXXX XXXX   XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Original creditor was XXXX internet service. Advertised unlimiteddata for my plan. However, on XX/XX/2019 overcharged my account and later stated You do have theunlimiteddata plan however, when costumers use a considerable amount of data we begin to charge by the gigabyte???! My final bill amount was {$710.00}! Initially I refused to pay this bill. The account was turned over to a collection agency named Source Receivables Management to whom I later paid the collection. XXXX later stated we did advertise unlimiteddata however, we can not dishonor the collection agency by stating your account was paid and is in good standing, sorry. They seemed to have no problem dishonoringme though! I argue that my account should be stated paid as agreed by the original creditor on my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report is showing account that is fraudulent. The collection account is in the amount of $ XXXX.The creditor is XXXX XXXX XXXX XXXX.Date opened XX/XX/2019. Address ID # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account below, has violated my rights. 

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 Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX First XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Credito XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, Last month i checked my credit report and noticed a few accounts that were unverifiable. I've submitted a 609 dispute letter to Experian regarding the issue. It has now been more than 30 days and i have not gotten any feedback. I would like to proceed and have these accounts cleared as to they are negatively affecting my credit.
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I was alerted that a collection was added to my file by an collection agency named caine & weiner company the original creditor was progressive. I then contacted progressive letting them know that this account is not mine and was opened fraudulently. I was then advised over the phone call to send in a statement with my ID front and back and police report. I sent over everything require and this information is still on my credit report
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S.C. 1681 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 consumer 's right to privacy '' XXXX and XXXX are consumer reporting agency and I, XXXX XXXX, I am the consumer. I have the Right to make sure my private information isn't shared which is backed by 15 U.S.C. 6801 which states " It is the policy of the Congress that each financial institution has a affirmative and continuing obligation to respect the privacy of its customer 's non-public personal information. XXXX, XXXX XXXX , and XXXX XXXX are all financial institution by definition under this Title. 15 U.S.C. 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. '' I can tell you that I never gave XXXX, XXXX XXXX , and XXXX  XXXX any my consent to furnish Any information and the consumer reporting agencies XXXX, and XXXX do not have my consent to furnish this information and they surely don't have any written consent. Any and All consent to XXXX, XXXX XXXX , and XXXX  XXXX whether it be verbal, nonverbal, written, implied, or otherwise is Revoked. 15 U.S.C. 6802 ( b ) ( c ) states the " A financial institution may not disclose non-public personal information to a non-affiliated third party unless- the consumer is given an explanation of how the consumer can exercise that non-disclosure option. '' XXXX, XXXX XXXX , and XXXX XXXX never informed me of Any Right to exercise my non-disclosure option. Not only that U.S.C. 1681 ( 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 that records convictions of crimes which antedates the report by more than XXXX years. These accounts are not items that are not proper things to be reported, and against the law to be reporting. 15 U.S. Code- 1681s- 2 ( 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.C. section 1681 e states, Every consumer agency shall maintain reasonable procedures designated to avoid violations of section 1681 c of this Title and to limit the furnishing of consumer reports to the purpose listed under section 1681 b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR section 1016.7 State that " A consumer may exercise the right to Opt out at any time. I am opting out of there reporting services because they have indeed been furnishing information that is against the law to report.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, anXXXX 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 an 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. Also, this inaccurate personal informations : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, CA XXXX, and XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX Please delete these items ASAP.
Product: Debt collection

On or around XX/XX/2018 a letter was received by your offices stating that you were representing a client named XXXX XXXX the letter further stated that an amount was owed. A letter was sent by my office via certified mail and within the 30 day time frame outlined by FDCPA. In the letter that was sent your office, it was clearly outlined that this debt was in dispute and outlined what was needed by your offices to validate this debt which included a copy of the Legal instrument that was used that binds Mrs. XXXX to the disputed agreement and the disputed amount. It was also requested that your office provide detail accounting information to show how your client arrived at the disputed amount. Unfortunately the only thing that was provided by your office was a very questionable photo copy of a statement. Another certified letter was sent to your office on or around XX/XX/2018 questioning the photo copy of the document provided to my office and once again asking you and your client to please provide additional documents along with the original documents requested to validate this debt. In both letters it was also very clearly stated that if your office proceeded to reported disputed and inaccurate derogatory information to any of the credit report agencies, civil legal action would proceed without hesitation. As of XX/XX/2018 your office has provided nothing that validates this debt and have ignored the certified requests to provide the additional information needed for my office to conducted a proper investigation into this matter.
Product: Credit reporting or other personal consumer reports

I received my most recent consumer credit report from Experian aand have found an alarming amount of inaccurate info in regards to names that are not mine and unmailable addresses that I have also never lived out. 

I contacted Experian via XXXX on XXXX  to inform them that this info needs to be removed and is a violation of 15 USC 1681. 

The agent I spoke with, told me that the info was accurate, and I told the agent that this is hearsay and that I as the consumer, am currently informing her that the info is not accurate and that continuing to report inaccurate info is a violation of my consumer rights. 

The agent then proceeded to say and do nothing for over XXXX XXXX. I was never informed that I was on hold and could still hear the static from the agent 's line. I disconnected the call after XXXX and XXXX of this. 

Experian has XXXX different names listed on my profile. XXXX of which are not mine, are misspelled, and I have never gone by these names and do not claim or recognize them. 

It appears that Experian had trouble verifying my identity and even asked me to provide info so that they XXXX update their records. This is also a clear indicator that the info on my report is not fully accurate.
Product: Credit reporting or other personal consumer reports

In XXXX I opened an account with XXXX XXXX to get access to a XXXX XXXX. I had begun repayment to this XXXX XXXX and in the month for the month of XXXX I fell behind on my payments and needed to catch up. I had then decided to repay the past due balance, but the representative at the time misinformed me of the proper process to repay that exact balance and instead had me pay the amount that was current on the account. I then expressed my concern and disappointment I had in XXXX XXXX as they failed to take any accountability in the management of my account. This event would then lead to them putting my account delinquent on my credit and has been so since then. Fast forward to XXXX of XXXX I was able to pay off the entire past due balance, and get my account positive, and since then I've approached XXXX XXXX on multiple occasions about the error they've made in the management of my account. On my Experian report it now shows that my last payment was in the month of XXXX, and that I began missing payments in the month of XXXX. What's frustrating now is that on my XXXX report there's not only the absence of this account, but nothing for the Net Credit on file at all. On the final credit bureau XXXX contains a file for Net Credit, yet they claim I never made a payment for XXXX, and that I missed a payment starting in XXXX and not XXXX like Experian suggests with their report. Attached I have the reports for all three agencies, and I now plan to get all three credit bureau reports matching with 100 % identical and information as this is my right as a consumer. Per the laws set in place I know that this account presents problematic information as it not only is contradictory to the first claim of being 100 % accurate, but it also contradicts the claim of being fair as it shows information on one report that isn't replicated and matching to the other two available.
Product: Money transfer, virtual currency, or money service

Use Cash app by Block , Inc. to try and transfer money to an intended recipient. Intended recipient never received the payment even though application sent " web receipt '' saying delivery occurred. Money had been sent to the same recipient the day before, using the same information, and it was properly received. Disputed payment using the process required, it was denied, checked with intended recipient, and they still had not received XXXX payment/transfer. Called customer service, refused to help. They will not check the recipient account and will not explain where the XXXX payment went. They have the money or transferred incorrectly and should refund. The amount is {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX, and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$470.00}
Product: Checking or savings account

the last 3 complains about a company they closed my account which are unfair practices with bank of America and XXXX can you tell me if i have an issue with my bank why are they able to close my account saying they don't want my business what about having fair practices put in place we were told to go to cfpb but every time I do they close my accounts or retaliate in some sort of fashion like XXXX XXXX XXXX apartment complex which eventually did hud violation and got me removed from the apartment complex