23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!! 

Accounts : XXXX XXXX XXXX, Opened XX/XX/XXXXXXXX XXXX XXXX {$150.00} XXXXDept of Ed- {$300000.00} Opened XX/XX/year> These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S. Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have 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 aso 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: Debt collection

Phoenix financial services have violated the No Parking rule in compliance with the FTC. They fail to notify before reporting to the credit bureaus also they didnt send verify any debt. This is clearly in Violation of my rights. I discovered the information while applying for credit which is unfair to me
Product: Checking or savings account

On XX/XX/XXXX my account password pin phone number and email was changed. They added some type of XXXX XXXX to my account and transferred all my money to themselves. The XXXX XXXX is showing a location of California us.i reside in XXXX Louisiana where I have been all my life. They denied me saying they didnt find any errors. I have multiple emails showing a new login from a device on California.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below and dispute results, which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Here is the item I am asking you to re-verify as 100 % ACCURATE : XXXX XXXX Account # XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow-up. Please send an updated copy of my credit report, after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate, date of last payment is inaccurate, past due amount is inaccurate, account type inaccurate. This ground for removal they also violated my rights under 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 .I send to them a dispute to verify it which they said it accurate which was not and they illegally change all the information soon as I send them the inaccuracy. Which by the laws should be deleted. The company should be charge for those illegals activities, I'm sure many people are victims by those illegal activities.THEY violating the credit reporting laws. WHich they violating the laws in front of all the XXXX credit bureaus and they still gave them the power to remain on my credit report which is unfair.
Product: Credit card

I made a payment on XX/XX/year> of {$120.00} when {$110.00} was due on XX/XX/year> they took and accepted my payment of {$120.00} it was processed and then on XX/XX/year> they then tried processing a payment for {$110.00} that of course was returned due to not having the funds available. When I called to find out why this was when I had made the payment the guy said that it's because the XXXX was returned but they couldn't give me a solid reason why 1 ) they were trying to take a second payment and 2 ) why it wasn't explained that if I was to pay it earlier then it was due I'd have to cancel the payment that was due on XX/XX/XXXX. The bank is XXXX bank ( most likely spelled that wrong ) but it is the bank the issues the Amazon Store Card. I then after getting off the phone wanted to know if they have done something like this before to others and I came upon a tressure trove of negative reviews stemimg from different people who held credit cards for different stores that this bank issues. So this is certainly not the first. And by the looks they continuously do this to their credit card customers. The customer service agent was really impersonal should not be working with the public. He was rude and ignorant wasn't not understanding when I explained the issue though both me and him understand and speak perfect XXXX. In today 's day and age it is unfair for any business to be doing this sort of thing to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax insist on reinserting credit inquiries on my credit report that is not authorized. I have inquiries that were reinserted without notice. These are inquires that I did not authorize. Inquiries in question are : XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  card services XX/XX/XXXX and XX/XX/XXXX. I never signed nor agreed to any of these inquiries. Remove immediately!
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Complaint Summary : I am filing a complaint against Sofi Bank due to their failure to assist in resolving a billing error for a purchase where merchandise was not received. 

Details of Complaint : On [ XX/XX/year> ], I made a purchase in the amount of [ Amount ] from [ XXXX ] using my Sofi Bank account. However, I never received the merchandise despite multiple attempts to contact the merchant. 

XXXX advised me to file a dispute with my banking institution to initiate a chargeback due to their inability to resolve the issue on their end. I promptly contacted Sofi Bank and provided all relevant documentation, including proof of purchase and communication with the merchant. 

Despite my cooperation and repeated requests, Sofi Bank has failed to initiate a chargeback or provide any assistance in resolving this billing error. This lack of action has left me without the merchandise I paid for and without a refund.
Product: Vehicle loan or lease

As of today, Westlake Financial has called me XXXX TIMES, from XXXX XXXX  through XXXX. I know my payment is due, but my husband recently lost his job with the XXXX XXXX, so we are struggling. Its a {$54.00} charge to defer the payment, and we cant even do that right now. They call me at all times! Even while Im at work and can not answer. And it isnt just today. They do this EVERYDAY, once the payment due date has gone past 1 day. They will call from different numbers, leave automated voicemails, email me several times. Its harassment! From Monday through today, they have called a total of XXXX times. These numbers will range from California numbers, Pennsylvania, Georgia, and Alabama. I cant even keep track of all the numbers I have blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . Report and other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction.Under the Fair Report Act, you are required to comply. My address should be listed as XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX. The following addresses are not mines please delete or remove them from my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, 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 am a victim of ID Theft I have accounts from credit card companies that I do not recognize showing on my credit report. I currently live in XXXX  and I was in the process of moving to XXXX  from XXXX XXXX  and I believe I have been compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Communication  sent to me states investigation started on  XXXX   XXXX  and completed  XXXX   XXXX . When I called to inquired, I was told investigation started on  XXXX   XXXX  and completed  XXXX   XXXX . Tranunion stated that this was inside of the 30 day window, when in fact it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$220000.00}.
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy Here is the Item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX XXXX, my husband and I applied for a mortgage through NVR Mortgage ( NVRM ). In the application process, my husband indicated he had just become self-employed in XXXX XXXX. With our application, we deposited {$5000.00} for the new build. Our contract stated that in the event NVRM terminates the loan due to circumstances beyond our control, our deposit would be returned. 

On XXXX XXXX, XXXX, my husband and I were preparing to close on our new home when we received a phone call from NVRM stating that they have " more conservative lending rules '' and would require at least 2 years of self-employment status in order to approve us for a loan. NVRM referred us to a different lender to try to get an exception to the 2-year rule, however, the new lender never provided a determination on the exception. We were later turned down for the loan, but NVRM based the denial on low credit scores. I contend that credit check was performed subsequent to NVRM 's inability to qualify us due to the short length of self-employment. 


Following that discussion, my husband and I met with other lenders, talked to mortgage brokers, and conducted independent research to learn that there are no exceptions to the 2-year self-employment status. 

On XXXX XXXX, XXXX, I sent an email to NVRM,  requesting that our {$5000.00} deposit be returned in full, on the basis that my husband would never have been pre-qualified for a loan because he did not meet the 2-year minimum requirement and that their claims that an exception could be made seem false. NVRM has not agreed to return the {$5000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my Equifax consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy. 

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

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I visted XXXX Physicians in XX/XX/XXXX for treatment due to my medical condition. At the time, I was insure with medicaid when treatment was provided. Three months later I received a bill from XXXX   stating that I owed {$210.00}. When I contacted XXXX I was told that my insurance didn't cover my treatment and that this bill was now in collections. I then contacted medicaid who confirmed that the treatment was denied because XXXX  submitted the wrong paperwork. The representative instructed me to contact XXXX  and tell them to either contact them or resubmit the paperwork and that they would glady take care of it. So I contacted XXXX  and explain to them that they must contact medicaid and resubmit the paperwork. The lady I spoke with informed me that they do not speak with insurance companies but I can contact the insurance company myself and we can all talk three way, which I did. All three of us were on the phone, a medicaid representative, XXXX billing department and myself, when medicaid told XXXX to resubmit the paperwork. The gentleman informed them that they have submitted the paperwork twice but will try again. On XX/XX/XXXX, a collection was added to credit report from Bull City Financial stating that I owe a debt from XXXX  Physicians in the amount of {$210.00}. I want this debt removed from my credit report because I feel it should not be there. If the two companies just communicate with each other this could have been settled months ago. The last 4 digits of my SSN # XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/year> Spring Oaks Capital LLC XXXX XXXX XXXX XXXX, VA, XXXX Subject : Cease and Desist Notice Regarding Unauthorized Access to Credit Information for ACCOUNT # XXXX ( XXXX XXXX ) Dear Spring Oaks Capital LLC, I am writing to formally notify you that I did not provide consent for your company to obtain my credit information. Your actions constitute a violation of my privacy rights and may also be indicative of identity theft. 

Please be advised that I demand you cease all actions related to this unauthorized access immediately. I require that you take the following steps : 1. **Cease all collection activities** associated with my name and personal information.

2. **Provide written confirmation** that you have ceased all actions and will refrain from accessing my credit information in the future.

3. **Investigate and rectify any potential misuse** of my personal information within your records.

I am keeping a record of this correspondence and may pursue further action if this issue is not resolved promptly. I expect a written response within 15 days of receipt of this letter. 

Thank you for your immediate attention to this serious matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writing with a heavy heart to dispute some inaccurate information on my credit report. The following items are incorrect, and theyre causing significant damage to my credit score. This is really stressful for me, as Ive always tried my best to manage my finances, and seeing this has been overwhelming. 

XXXX Account Name : XXXX XXXX  Account Number : XXXX balance : {$480.00} Reason : I disagree with the findings of your investigation regarding the missed and late payments on this account. I request a detailed statement of all payments made and missed since the account was opened, as I believe the reported results are inaccurate. 
delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : MB FIN SVCS Account Number : XXXX balance : {$18000.00} Reason : I disagree with the findings of your investigation regarding the missed and late payments on this account. I request a detailed statement of all payments made and missed since the account was opened, as I believe the reported results are inaccurate. 
delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX2 Im concerned and confused to see this lender on my credit report. I dont recognize them and dont remember authorizing a hard inquiry. There are multiple inquiries in one day, but I only approved one. This has caused me a lot of stress. Please provide proof of authorization or remove the unauthorized inquiries immediately.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX, 2017 : Our system detected unusual activity associated with your account ( Your case ID for this reason is XXXX. ) I have {$420.00} USD in my account and was trying to withdraw it to my bank and my account was restricted for no reason. I get a message stated unusual activity. This is not fair