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

XX/XX/year> So today I am writing about case number XXXX which says it was closed and that SoFi responded . Sofis response was incomplete, incorrect, and totally missed the point. I had contacted them repeatedly ( starting on the first day the fraudulent debits were shown on my account ). 
I would like this reopened and my approximately {$850.00} in remaining fraudulent charges refunded. 
What else can be done so that SoFi bank will treat me fairly and refund the completely fraudulent debits refunded. 
I am including my bank statement which clearly shows the obvious fraudulent debits made over and over again, ( many pages worth ). 
Also, are there other agencies or political representatives that I shout contact to get this corrected? 
I am on the autistic spectrum and really need someone to help me as soon as possible as my XXXX XXXX checks are my only income, and I am currently homeless living temporarily with my grandparents in XXXX XXXX Florida. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like for my credit file to be corrected.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts and inquiries listed on my credit report as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file. 
The specific accounts and inquiries that need to be blocked and deleted are as follows : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

on XX/XX/XXXX a account was opened with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX A request for All original loan documentation and proof of identification and signatures are requested due to identity theft that was committed against me in XXXX and as XX/XX/XXXX police report filed XXXX XXXX police report available of discovering on all credit bureaus please remove and discontinue reporting XXXX fair reporting act.
Product: Credit card

XXXX XXXX  failed to transfer XXXX  year ending awards of XXXX to my XXXX no expiration rewards account in XXXX or XXXX of XXXX. Capital One took over servicing the XXXX 's accounts in XXXX of XXXX. 

Capital One has claimed the transfer of the was automatically done. An examination of the monthly rewards balance from XX/XX/XXXX to XX/XX/XXXX does not reflect a posting of XXXX, Only the current months rewards and adjustments are reflected for each month. 

This is shown in the " Schedule of Monthly Non-Expiring Rewards ''. 

I am requesting XXXX after a careful examination of their records that the transfer had not occurred and to make the necessary adjustments to my rewards account of the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX under my XXXX  credit report it is allowing MACYS/DSNB under the account # XXXX to report a delinquent account that doesn't belong to me and isn't mine on XXXX  credit report. I have a FTC report # XXXX that I filed with the FTC about this debt and account being not rightfully mine however XXXX continues to unlawfully allow this account to exist on my credit report even after I have reached out to them on multiple occasions as well as requested how this information was verified as accurate when it is not mine and they fail to fix, or respond to the issue.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to report Equifaxs failure to investigate and provide verification for disputed late payments reported on my credit report and failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements. Despite multiple written disputes regarding inaccuracies on my credit report, Equifax has refused to conduct proper investigations or correct the errors as mandated by law. I submitted a method of verification regarding these inaccuracies on XX/XX/XXXX. As of XX/XX/XXXX, Equifax has failed to respond, re-investigate, or provide verification of the information they received from the original sources, which is a clear violation of federal laws under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). This failure has caused harm to my credit score, impacting my ability to secure housing for me and my children. The recent CFPB enforcement action ( CFPB Orders Equifax to Pay {$15.00} XXXX for Improper Investigations of Credit Reporting Errors, XX/XX/XXXX demonstrates a pattern of noncompliance by Equifax. My experience aligns with the improper practices highlighted in this lawsuit, including a lack of diligence in investigating consumer disputes. 
This extended delay in addressing my disputes is also a violation of the FCRA, which mandates timely responses and investigations. 

XXXX. XXXX XXXX account ending in XXXX : Late payment reported for XX/XX/XXXX. 
XXXX. XXXX XXXX account ending in XXXX : Late payment reported for XX/XX/XXXX. 
Applicable Laws Violated : 1. 15 U.S.C. 1681a : o The term consumer report includes information that impacts creditworthiness. Reporting unverifiable or inaccurate late payments violates this provision by allowing inaccurate consumer data to persist in credit reports. 
2. 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ) : o Furnishers are required to provide accurate information and to investigate disputes under this section. Equifax, as a CRA, has failed to hold the furnishers accountable by not conducting a thorough investigation or removing unverifiable information.

3. 15 U.S.C. 1681a ( 2 ) ( A ) ( i ) ( Definition of Consumer Reporting Agency ) : o As a consumer reporting agency, Equifax is responsible for ensuring accuracy and completeness in the data provided to users of consumer reports. Reporting unverified information constitutes a breach of their obligations under this provision. 
4. 15 U.S.C. 6802 ( Obligations of Financial Institutions to Protect Privacy ) : o Financial institutions and their agents must ensure privacy and accuracy of consumer data. The failure to disclose the original source of information or verify its validity undermines my privacy and consumer rights. 
Equifax responded to my disputes saying that they received additional information from the original source but has yet to respond to my disputes asking for proof. They claim the late payments are accurate but according to Equifax account history from my credit report it says NO DATA AVAILABLE
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX Citibank, XXXX, XXXX South Corporate Place, XXXX XXXX XXXX SD XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALISXXXX RE : ADVERSE ACTION DATED XX/XX/2022 Recently, I, XXXX XXXX was denied an extension of credit by Citibank On XXXX applied for a credit card as you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Citibank has violated my federally protected consumer rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M XXXX. 12 CFR 1002 Since the letter you sent me is both a proof and evidence that I have been discriminated against, you are also criminally liable. Citibank should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 


BEST, XXXX, XXXX L Without prejudice, all natural inalienable rights reserved.
Product: Mortgage

The house was in foreclosure, through the foreclosure case and after the final Judgment was rendered, we agree to a loan modification, the bank chase imposed a probatory payment period, through such period we made timely payments in excess of {$6000.00} towards the loan modification, later after receiving the money Chase decided to disallowed the loan modification abs refused to counter sign it and proceeded to allow the sale of the property in the court steps, in the XXXX hour we were able to get the full judgment amount and retrieved the property form the court steps, paying off the loan, Chase refused to return the payments made in lieu of the failed modification, for which they had no legal ability to charge and now claim they just dont know how ti solve the probem, they were fully paid for the mortgage with all legal fees as awarded by the court, they were not entitled to charge for a modification they never agreed to.
Product: Debt collection

My spouse and I purchased a condo on XX/XX/2021. The original lender was Plaza Mortgage ( serviced by XXXX. ). Plaza Mortgage is the company we are in dispute with at this time. The dispute is due to the fact that on XX/XX/2021 Plaza mortgage notified us by mail ( Please see attached ) that the loan was transferred as of XXXX to a new lender, XXXX XXXX XXXX XXXX XXXX ( serviced by XXXX, ) - and where we were to send our next payment due XX/XX/2021. On XX/XX/XXXX, we made the XX/XX/XXXX payment electronically, to XXXX XXXX as instructed. On XX/XX/2021 I we received the first " Delinquent Notice, " from Plaza Mortgage. We immediately called Plaza Mortgage, and were reassured the error would be corrected. On XX/XX/2021 we received a second notice - a Delinquency notice, again from Plaza Mortgage. We called Plaza Mortgage yet again, spoke to a Supervisor within Plaza Mortgage and were reassured the problem would be fixed. On XX/XX/XXXX, we received notice the property was now in Default.
Product: Credit reporting or other personal consumer reports

I contacted XXXX regarding the recent Hard Credit Inquires that were placed on my account from the following Institutions : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - CAPITLA ONE / XX/XX/year> - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I need this inquires removed from my credit report since they are fraudulent and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up to view my free credit score after being denied for the XXXX XXXX. I checked my online banking app today,XX/XX/XXXX, and saw I was charged {$21.00} for a subscription I never signed up for. I filled out the information they asked me to fill out for my free yearly credit report and a few days later I have been charged.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington LexisNexis Consumer Center XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2019 XXXX : Unauthorized Bankruptcy Credit Reporting To Whom It May Concern : I recently received a copy of my credit reports. The credit reports showed a credit reporting by your company that I do not recall authorizing. Nor did the United States Bankruptcy Court verify or validating information from consumers ' credit files. understand that LexisNexis Consumer Center shouldn't be allowed to put an inaccurate inquiry on my file unless I have authorized it. Please have this bankruptcy reported be removed from my credit file because it is making it very difficult for me to acquire credit. 

I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized Bankruptcy reported be removed. 

If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. 

Thanking you in advance, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as DELETE the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute certain information on my credit report based on my rights under the Fair Credit Reporting Act ( FCRA ). The specific sections I am referencing include : 15 USC 1681 Section 602 - This section establishes my right to privacy. The information being reported violates this right as it inaccurately represents my financial behaviors. 1 5 USC 1681 Section 604 - According to this section, a consumer reporting agency may not furnish a report without my written instruction. I have not provided such instruction for the items I am disputing. 15 USC 1666B - This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit report for any reason. The items I am disputing seem to violate this provision. The following items on my credit report are inaccurate and need to be addressed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ask that they be removed or corrected on my credit report. If these items are verified, I request written documentation that confirms their accuracy. Thank you for your attention to this serious matter. I trust that the CFPB will ensure my rights under the FCRA are upheld and that this dispute will be handled with the urgency and seriousness it deserves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my consumer report and noticed a debt from XXXX XXXX. XXXX XXXXXXXX of a balance of {$26000.00}. In pursuant to 15usc 1692j ( a ) states It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. So Equifax is breaking the law by allowing third party debt collectors to design, compile and furnish my consumer report without the consumers consent when their job is to protect my consumer report. Also in pursuant 15usc 1692j ( b ) states Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. Also in pursuant to 15USC 1681 ( a ) ( 4 ) of Congressional findings and statement of purpose states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy. So, Equifax has broken multiple laws by giving debt collectors the right to design and furnish my credit report to destroy my ability to get an apartment and a car. I need a right to remedy by removing XXXX XXXXXXXX XXXX XXXXXXXX from my consumer report as this is damaging my livelihood. I WANT ALL RESULTS INCLUDING DISPUTE RESULTS TO GO THROUGH THE CFPB. I AM NOT ASKING FOR DEBT TO BE VERIFIED. I want a response within 15 days.
Product: Credit reporting or other personal consumer reports

I an following up on with XXXX, XXXX, and Equifax to update my personal information on my credit report.
Product: Mortgage

I have a mortgage since XXXXXXXX XXXX XXXX  from : U.S. Bank Home Mortgage XXXX XXXX XXXX XXXX, MN XXXX There was a charge oXXXX XXXX XXXX XXXX  that no one at the Bank was able to explain to me up to date. This XXXX charge was never explained to me by Lender either, who was XXXX XXXX XXXX A NORTH CAROLINA LIMITED LIABILITY COMPANY. 

I have looked in my loan application forms and could not find this XXXX agreement anywhere.
Product: Credit card or prepaid card

XX/XX/29 found a {$350.00} unauthorized charge and immediately filed a dispute. So no action and called the dispute center and was assured they were working on it an I would receive a conditiona credit. In todays statement the is an indication the conditional credit was reversed. Received no communication this, and was initially there would no charge in this months statement. 
Unable to locate the company who initiate the charge to see what's going on
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$1000.00} XXXX XXXX {$730.00} XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX {$570.00}
Product: Debt collection

XX/XX/2018 Phone Call to Me : Representative was patronizing, told me I provided her the incorrect answer when being honest about my financial shortcomings. Lectured me on how it was wrong to not pay my bills just because I don't have any money to do so.
Product: Payday loan, title loan, or personal loan

Synchrony bank ( formerly GE money bank ) I bought a XXXX XXXX, need lein payoff paper to title it. Faxed All info. Starting in early XXXX. 5 times, called 17 times. Talked to 1 person was told 10 days. XXXX, and in XXXX. Now No answer. Left at least 8 recordings. ( lein was paid off approx. 7 years ago. ) Bank # XXXX. My home phone is # XXXX. Please help me with this. Notary also tried, fax and by phone. THANK YOU. XXXX XXXX.
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 Account Number : XXXX Account Name : XXXX XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Please stop contacting me via phone, fax, text, or email. All communication should be sent to me by USPS certified mail. Any other form of correspondence will be rejected or refused. 

JPMCB - CARD SERVICE XXXX. JPMCB CARD SERVICES XXXX, JPMCB - HOME XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at CREDIT COLLECTION SERVIC on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX BANK on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2600.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Additional information regarding Macy 's Fraud that occurred on credit card XXXX and XXXX. Received statement for account ending XXXX with a balance of {$1400.00} on XX/XX/XXXX which was fraudulent activity that was reported on XXXX. The balance of the account was in regards to fraud that occurred and some of the merchandise came to my house. Macy 's provided return labels for those items. Contacted Macy 's to validate they received back all items and the account was {$0.00}. They indicated the balance was negative and would be sending a check in the mail. Balance would be {$0.00}. Received credit check and deposited it. On XX/XX/XXXX a statement is sent in the mail with a balance of {$660.00}. 
Contacted Macy 's they indicated purchases occurred on account XXXX on XX/XX/XXXX. Account was closed on XX/XX/XXXX. Representative indicated a special ticket would be opened to credit the balance on the account. It would take a month but the balance would be XXXX. My credit report is showing I am past due on payments due to the fraud activity and the errors made by Macy 's. Please ensure my credit report is fixed.
Product: Credit reporting or other personal consumer reports

Freedom Mortgage has been reporting incorrect information to my wife & I 's credit reports at all three bureaus. They have added remarks that we were affected by a natural disaster, deferred payments and have no payment data to report, which is all completely false information. 
We were NOT affected and have NEVER deferred payments once, all payments have been made on time and in full since the beginning of the loan. 
I have contacted Freedom Mortgage multiple times and they continue to say they are further investigating the matter, but have no results to give. This has negatively affected my wife & I 's credit scores and I suspect is part of some larger fraudulent scheme by Freedom Mortgage.
Product: Checking or savings account

I banked with Wells Fargo years ago and they put tons of fees on my account and would not let me pay it down. They closed my account sent it to collections.