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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) 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. '' TransUnion, 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 institutions have an affirmative and continuing obligation to respect the privacy of their 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. 15 USC 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies TransUnion, 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 TransUnion, XXXX, 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 ), but no consumer reporting agency may also make any consumer reports containing any of the following items of information. 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 1681 ( e ) 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 1681 ( b ) of this title. TransUnion, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete XXXX  XXXX XXXX account number XXXX immediately due to the violation of Section 611 ( c ) of the Fair Credit Reporting Act. Section 611 ( c ) clearly states that and I quote, " Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' I recieved a credit report from Equifax dated XX/XX/2022 ( kindly see file attached ). This credit report doesnt state that I have disputed the accuracy of this account on my credit report and have been doing so for over a year now. This is the third time that this violation was done to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and Transunion XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The account was also deleted from my XXXX report as well so in order to correct the inconsistencies between the XXXX, XXXX, and Transunion credit reports, the account needs to be deleted from the XXXX and Transunion credit report. 

The information for this account listed on my credit report is : XXXX XXXX, BALANCE {$42.00}, OPENED XX/XX/2014, ACCOUNT 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 U.S.C 1681 XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 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 1681 C ( 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 with antedates the report by more than seven years.

15 U.S.C 1681S-2 ( A ) 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

I am a victim of possible identity theft. An amount of {$4100.00} has been placed for collection by XXXX - on XXXX/XXXX/XXXX - through a collection agency named Convergent LLC based in XXXX in Washington XXXX ( XXXX ). I have not subscribed to XXXX as XXXX XXXX XXXX has been our communications provider for decades. I added XXXX phone/internet/FiOS service in XXXX XXXX. I had some messages from XXXX collection at that number ( XXXX ) but ignored those thinking these were for the previous holder of that number. 

I have so far informed the XXXX credit bureaus and Washing State Consumer Complaints division. 

As a XXXX I am charged with reporting any such fraudulent activity affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$1900.00}
Product: Checking or savings account

XX/XX/year> Dear CFPB : I write today regarding ongoing and grossly unacceptable service form SoFi, as they continue to circumvent the fact that these arbitrary and extended holds are based upon the previous/ {$500.00} deposit limits, not the updated limits or the limits which I held prior to XXXXXXXX XXXX. In addition, I have requested on multiple logged occasions and logged calls that I expect my limits fully restored to the previous XXXX XXXXXXXX {$200000.00} daily limits, which SoFi Bank also continues to deflect. 

These arbitrary, length holds continue to be placed due to the limits not aligning with my previous limits prior to XXXXXXXX XXXX ( when check holds were XXXX business days maximum for the tenure of my account ), when this entire debacle bgan as noted. SoFi has, once again, effectively hijacked my bank account with arbitrary holds, unmerited limitations and mobile check deposit limits which effectively renders my banking ability severely limited at best -- lending to severe distress, and limitations on my activities of daily living -- a profoundly unacceptable action on behalf of the Bank. 

At this time and as advised, I have reached out to national media outlets ( in addition to said local media outlets in XXXX XXXX, California ) on this matter as noted -- with logs of each and every contact with SoFi, and reflecting the absolutely absurd hoops which I must go through on a weekly basis to simply utilize my SoFi bank account as I had done so prior to XXXX XXXX -- when I initially reached out to local media outlets to aid in this egregious matter 's full resolution. As a result, kindly provide direct SoFi Risk Management contacts so that I may resolve this matter immediately and directly with that department and at this level ; alternately, I can reach out directly to XXXX XXXX and XXXX XXXX via telephone to ensure that this matter is resolved once and for all, urgently and immediately today -- Friday, XX/XX/year>. 

As you SoFi ( and its Director of Consumer Advocacy, XXXX XXXX XXXX ) now continues to refuse to answer my calls and speak to me on this matter as a human being ( and not just as the number as which I have been treated by SoFi ongoing & herein ), I must request urgent and direct contact from SoFi 's Senior & Risk Management to ensure that this arduous & abhorrently unacceptable matter is resolved today -- Friday, XX/XX/year> -- with the full release of my funds going forward to reflect my previous account tenure and hold timeframes ( or at minimum, partial release ) which I am typically provided and full availability no later than Monday, XX/XX/year> ). The abhorrent maltreatment of me as a human being and a consumer has reached a level of being truly dire -- meriting emergent resolution at this stage. 

This matter remains grossly unacceptable and at this stage beyond profoundly distressing -- meriting emergent contact as requested herein, prior to commencing any and all aforementioned actions to ensure the usability of my SoFi bank account moving forward. 

Thank you for your immediate response and telephonic contact to resolve this matter. 

XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I was notified with an alert on my credit report for a collection from a company named XXXX. I previously found out a few weeks prior that I was a victim of identity theft from individuals putting an apartment in my name. I reached out to the number provided on the account to which I reached the debt collector perfection collection. I explained what occurred and the individual over the phone told me I needed to send my police report which I did the next day. Fast forward two months I receive a threatening phone call about being sued by this company after receiving earlier threatening calls from a gentleman leaving vulgar voicemails which I still have saved. I reached out to the number to which the gentleman stated I was in collections and needed to pay the debt, I explained to him it was fraud and even the credit bureaus have determined it to be fraudulent as well as previous collection agencies perfection collection sold this account to obtain the debt. He stated my file was still in collections and hung up. I received a phone call from XXXX XXXX XXXX on XX/XX/XXXX, I explained to them that I was a victim of identity theft sent over my police report, called back the following day to follow up and the manager told me she was going to close down the file and send it back to perfection collection to close down since it was reported as fraudulent, prior to this call to XXXX XXXX I called perfection collection since XXXX directly stated I needed to speak with them since they could not remove my name from the file since it was submitted to collections, I spoke with XXXX on XX/XX/XXXX in which he stated I owed this debt if it was my debt or not I needed to pay the debt, he began going on about I needed to find some way to handle it and hung up the phone. I have spoken to XXXX directly ( XXXX XXXX ) who has been trying to figure out how to get my name removed from this file to no avail. As of XX/XX/XXXX I get a call from a family member telling me that someone has been reaching out to HIS friend about my debt, someone I have no relations to or even know personally. They have been calling this individuals phone nonstop with the last phone call coming in at XXXX est past legal operating business hours. This company perfection collection has been harassing individuals that have no relation or contact to me about a debt that has been blatantly proven to be identity theft. I have the police reports, the FTC reports, credit bureau reports and still this company does not adhere to documentation that proves it is not my debt.
Product: Credit reporting or other personal consumer reports

-I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : 1. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine. Please delete. 

2. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine. Please delete. 

3. Account Name : XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and this is not mine please delete. 

4. 1. Account Name : XXXX BANK Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the past due 30 days XXXX time update the this account to Paid or paying as agreed. 

5. Account Name : XXXX AUTO Account Number : Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX, XXXX & EQUIFAX account. Please provide proof of the XXXX late and update the paid or paying as agreed status on this account. 

6. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : balance : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.
Product: Credit card or prepaid card

I'm trying to dispute a charge made on XX/XX/2023 for {$350.00} with PayPal, but PayPal 's dispute and customer support section is inaccessible and reports an error. There doesn't appear to be a way to reach PayPal to dispute the charge or talk to someone.
Product: Checking or savings account

* opened checking in XX/XX/2023, had a small direct deposit going there since then to try out the account, so far, no problems * opened money market account XX/XX/2023 to combine checking and savings in one place and simplify my banking while still getting good yield on savings ( after going back and forth faxing over copies of my driver license and Social Security card, which took almost 3 weeks all together ) * switched over direct deposits and debits for all bills * on XX/XX/2023, I transferred from XXXX XXXX to fund the new accounts using 2 ACH deposits to the US Bank checking account : 1 deposit of {$1200.00}, the other of {$20000.00} * moved the bulk of the money to the money market account and left what was needed to pay bills in checking * the next day, around XX/XX/2023, I could no longer access my accounts * have been calling and speaking with various representatives on the phone to help but all they said is my accounts were being closed with no explanation given * I was initially told I would receive a letter in the next 2-3 days with information required, and instructions how to resolve the issue ( no letter has arrived as of XX/XX/2023 ) * spoke with a banker in a branch servicing out of state accounts on XX/XX/2023 * no more information was relayed, just that accounts were being closed, and no timeframe or explanation, or request for information * spoke with branch manager on XX/XX/2023, she said she will be finding out from the back office what is going on and what can be done about it * after some follow ups and patiently waiting, on XX/XX/2023, the branch manager finally told me that I need to speak to the " E-Fraud '' team about the issue * I was not given a case number from them, or a phone number to contact them, or anything * I was told to contact the customer service number again, where I initially started this whole ordeal to begin with * today, XX/XX/2023, after being on the phone with US Bank for XXXX XXXX, I still don't have any resolution, or information when my accounts will be closed, or even an estimate of a timeframe when this will happen I have asked, and offered to provide any information to US Bank about the source of my funds, including statements from the originating bank, W2s, any other form of information or assistance to validate the source of the money, or even a 3-way call with the originating bank to validate this information over the phone. They have not asked for any information from me, and they have not given me anywhere or anyone whom to send this information to. 


To sum up, US Bank has almost {$23000.00} of my money since XX/XX/2023 and I have had absolutely no access to it, they claim my accounts are being closed, but they have not closed them, they claim that I would be getting some letter since XX/XX/2023, which I have not, and that I would be getting back the funds in a cashier 's check, which I have not either, and they won't tell me when this would be happening. 


This has been the absolutely worst experience I've ever had with any financial institution.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Student loan

Edfinancial billed me on auto-pay after I paid the full balance, resulting in an overpayment of {$75.00}. After not receiving a refund for two weeks, I contacted them and asked for my money. They ( via a person named XXXX ) confirmed the balance of the overpayment and said that they would process the refund. 

The email from XXXX was sent XX/XX/XXXX and I still have not received my refund. Additionally, they wrote a paid in full letter that tried to hide the fact that there was an overpayment on my account balances. Please, help me get my refund. 

Thank you.
Product: Mortgage

Bank transfer loan with required financial arrears to help with modification. 
Received modification after 3 years. 
The modification went from 30 to 40 years. 
XXXX XXXX modification required {$65000.00} non-interest forbearance. 
Our account is listed with a debt collector. 
Since XXXX, all payments are made on-time and monthly amount. 
These payments are not reflected in our credit score. 
This loan was included in our Chapter XXXX filing ( XXXX ).
Product: Debt collection

A collection agency under the name Southwest Credit is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company and I do not own them any thing ... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them.
Product: Payday loan, title loan, or personal loan

Received a call from this company. Stating that I received loan proceeds in 2013, and asking for payment. I declined.
Product: Credit reporting or other personal consumer reports

Hello, I am a student. I have gone to XXXXXXXX XXXX XXXX XXXX ( XXXX ) for purchasing a car on finance. The said the will check for the auto loan in XXXX XXXX XXXX. Then the send queries to multiple lenders without informing me. Now it's showing 9 hard queries. 6 of them on the same date. This drastically reduced my credit score to on average XXXX points in the credit buraus. I reached out to XXXX about this. They suggested me to contact here for complaint. It would be very helpful for me if these hard inquiries could be removed from the report.