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

I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THATINQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSEDI RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIREFROM XXXX XXXX XXXX XXXX ON XXXX. PLEASE DELETE THISINQUIRES. I HAVE NEVER HAD A XXXX XXXXXXXX ACCOUNT
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 Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list o

f 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 reporting, credit repair services, or other personal consumer reports

This account has a 1st delinquency date of XX/XX/XXXX. XXXX has already completed an investigation in XXXX stating this item would be removed in XX/XX/XXXX - 7 years past date of first delinquency. Navient continues to provide inaccurate information to keep this charge-off on my credit report. This removal that was scheduled for XX/XX/XXXX was now moved to XX/XX/XXXX based on new information Navient provided. This account should be removed according to FCRA regulations. I am requesting the account be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 addresses has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting incorrect is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX these NAMES are undeliverable by the US Postal Service.

to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of addresses that are reporting are not deliverable by us postal service and has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it. 
XXXX, XXXX  AND TRANSUNION ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Product: Credit reporting or other personal consumer reports

I am submitting this to dispute the account which I believe appearing to be erroneous in my file. These items are having a negative effect on my XXXX XXXX. Therefore it needs to be verified and updated : XXXX XXXXXXXX Date Opened : XX/XX/year> XXXX XXXX XXXX : {$570.00}. Fair Credit Reporting Act requires that bureaus report only accurate credit information ; therefore every step must be taken to assure the information reported is completely accurate and correct. According to the Fair Credit Reporting Act, I expect you to complete this verification within XXXX  days.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 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. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' The furnisher is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states, " 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. '' The furnisher of the information, the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and the furnisher 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. '' The funisher of the information never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and it was a bankruptcy on it and i sent a letter and called Transunion, XXXX and XXXX and they all said it was verified through the courts. So i contacted the Bankruptcy Court and the reply was they don't give information to 3rd party groups. So i sent letter to XXXX XXXX and all 3 credit bureaus as you can see in the attached document below XXXX XXXX removed it and courts continue to say verified through courts.
Product: Debt collection

I do not dispute that I took out a payday loan with XXXX but I repaid the loan years ago. I had to get a mortgage in 2014 and ensured my credit report was squared away well in advance of the home purchase. It seems documentation of the repayment has become lost in the shuffle as the debt was bought and resold ( who knows how many times ) and a new random debt collector has reported the debt back to all XXXX major credit bureaus. I 've disputed with all XXXX, XXXX came back as deleted, the other XXXX show 'remain ', I called this debt collector ( Midwest Recovery Systems ) and XXXX woman told me they were updating it all to 'delete ', and today 's call with a gentleman said they had plans to rereport it to all XXXX bureaus. This is very upsetting. I paid this money back in full years ago. It 's not my fault the documentation on the debt collector was lost or not retained. My wife lost her job last year and I need to refinance my mortgage. With this on my credit report, I 'll get a less favorable interest rate when I refi. I also need to buy a new car next year and this will impact me there, too. I do n't know who else to engage on this, but the burden of documentation should be on the debt collectors if they 're so easily able to buy and resell debt this way. How on earth can a consumer ever know when this is happening, especially in error, until it slams their credit score?
Product: Debt collection

On XX/XX/year> I noticed the accounts Credit Collections, XXXX Dept of ED, XXXX XXXX XXXX, XXXX XXXX and Dept of Ed XXXX were on my credit report. I did not authorized any of these accounts to be opened.
Product: Debt collection

This account was opened fraudulently. I was trying to apply for an apartment when I got denied because of a collection on my account I was unaware of and thats how this account was brought to my attention. I know nothing of this account and Im on the verge of being homeless because I cant get approved anywhere. I tried disputing this account but it comes back as account accurate. Its disgusting how a system can determine whether or not an account is yours without getting the facts. Its not my account and this is ruining my life. This is not the first account that was opened fraudulently and I was able to get that removed from my report. I will attach the account that was removed because of fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of certain adverse credit information from my credit report. As a victim of human XXXX, specifically debt bondagewhich falls under XXXX  as defined by the XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 and 1002.142 ( b ) ( 7 ) I have incurred debts that are a direct result of this criminal activity.Per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing a picture ID, a bill, and a letter from an advocacy group helping me due to Human XXXX  debt XXXXAccording to Section 605C of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and remove any adverse information resulting from human XXXX  within four business days upon receipt of sufficient documentation. Furthermore, 12 C.F.R. 1022.142 mandates the immediate removal of such information. I have provided all necessary documentation, including a victim determination letter in accordance with 12 C.F.R. 1022.142 ( b ) ( 6 ). As only two forms of documentation are required by law, I trust that the enclosed materials suffice for this request. I also request the immediate removal of any negative accounts linked to my credit profile, written confirmation of these actions, and assurance that the negative information will not reappear on my credit report in the future that resulted from human XXXX.
Product: Debt collection

Portfolio recovery associates called me on XX/XX/11 threatening me that if I do not pay the debt legal action will be taken against me.
Product: Checking or savings account

I made an appointment with Bank of America financial institutions on XX/XX/2023 after several phone calls to bank of America financial institutions and being recommended to visit XXXX XXXX XXXX XXXXXXXX Bank of America branch..

I spoke to a manager Bank employee name XXXX XXXX and he informed me that he could not find my account and i did had provided a copy of the court documents granting access to my personal bank account and he insisted that he could not find the account... .he said that he will talk to the other employees..banker to see... .because the XXXX banker was out in XXXX... 
XXXX XXXX email address : XXXX Other banker email Address : XXXX XXXX and no one has call back and after I call I was informed that XXXX XXXX had not find my account ... ..that was last spoke to the Bank of America Financial Institutions
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand a Line By Line ReInvestigation of the accounts listed below because with the obvious errors on these accounts, a Proper Investigation could not have been conducted In Accordance With ( XXXX ) the Fair Credit Reporting Act. Now is not the time for Updates or Verifications because you've already done that, and my accounts are Still Inaccurate. The accounts listed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My rights have been violated in several ways, and yet there has been no resolution. 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. I never gave written instructions. 15 U.S.C. Code 1692b States that any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to so by such person ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol or any envelope or in the contents of any communications effected by the mails or telegram that You should not be reporting Inaccurate information on my credit reports because it is a violation of my federally protected rights. U.S.C. 1681a-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. This information is Not accurate.
Product: Credit card or prepaid card

On XXXX, I received a letter in the mail. When opening the letter i realized I received a US Bank Reliacard XXXX XXXX card in my name. The back of the card states it is from the Ohio Unemployment Insurance Program. I am not a Ohio State resident and I have never filed for unemployment. I would like to file this and cancel the card, but every time I call the US Bank number, i can not get through.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against SoFi Bank regarding a serious issue with my checking account. My account, which currently has a balance of {$6700.00}, has been frozen without any clear explanation. Despite numerous attempts to resolve this matter directly with SoFi Bank, I have been given the runaround, and the issue remains unresolved after several weeks. 

The funds in my account were deposited through a direct deposit from my daughter, XXXX XXXX XXXX company. This money is intended to cover my living expenses for this month. I have provided SoFi Bank with all necessary information, including my daughter 's contact details and her employer 's contact information, to facilitate the verification process. However, despite my efforts, SoFi Bank has not taken any steps to resolve this issue. 

This situation has caused significant financial stress and inconvenience as I am unable to access my funds to pay for essential living expenses. The lack of action and communication from SoFi Bank is completely unacceptable and feels like a violation of my rights as a consumer. 

I am seeking your assistance to urgently investigate this matter and ensure that SoFi Bank takes the necessary actions to unfreeze my account and allow me access to my funds. This delay and lack of resolution is not only unacceptable but also feels akin to theft, as I am being denied access to my own money. 

Thank you for your attention to this urgent matter. I look forward to your prompt assistance in resolving this issue. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed accounts displayed on my credit report that are a violation of my rights as a federally protected consumer. I demand that the following account be removed from my credit report immediately : 1.XXXX XXXX XXXX XXXX 
Account Number : XXXX 2.XXXX Account Number : XXXX 3.XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Credit reporting bureau that's reporting inaccurate information for late payments and close 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 XXXXXXXX All reporting on my credit report late payments and closed, and sold to collection agency.
Product: Debt collection

According to my credit file, there is a collection listed from your agency. However, I have not received any prior notification regarding this collection. Furthermore, I have doubts about the accuracy of this debt. As per the Fair Debt Collection Practices Act, I am entitled to request and obtain validation of the debt.
Product: Credit card or prepaid card

I have Lowes Synchory card. I made one purchase of XXXX in XXXX and had a choice of 10 % off or no finance charge. I made another purchase in XXXX for XXXX and took the 0 % interest for 1 year. Even though the 0 % balance promotion was not up until XX/XX/2022, each time a made a payment, lowes would divide my payment between the two balances instead of putting full payment toward balance that was being charged an interest rate. The statements is 2 pages front to back of small writing and is very difficult to see this notification that says if you want your payment to go toward a specific balance you have to call with every payment. 
As a consumer, I feel this is very unprofessional and an attempt to bait and switch to make sure they get you for some finance charge. It is a terrible practice is a dirty trick to play on consumers who mare making purchases in your store.
Product: Debt collection

Convergent Outsourcing , Inc. has been repeatedly calling me for at least a year now as well as sending letters in the mail. 

The calls have come in before XXXX XXXX and continue throughout the day. This happens several times a week, at times going over the 7 calls per 7 day limit as per FDCPA policy. I have also received numerous letters in the mail. I am a XXXX who suffers from XXXX, and these calls cause me constant XXXX to the point I turn my phone off or mute it, which disrupts my day. 

Consumer Finance states the following on their website : The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. 

Harassment by a debt collector can come in different forms. Examples include repetitious phone calls that are intended to annoy, abuse, or harass you or any person answering the phone ; obscene or profane language ; threats of violence or harm ; publishing lists of people who refuse to pay their debts ( this does not include reporting information to a credit reporting company ) ; and calling you without telling you who they are. 

Convergent Outsourcing , Inc. has been repetitiously calling me with the intent to annoy and harass me. For this reason I will not call them or engage, as I do not feel safe or comfortable doing so giving their actions towards me. This is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and address is incorrect on my credit report. My correct name is XXXX XXXX XXXX XXXX. 

My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX PLEASE DELETE ALL ADDRESSES, I HAVE NEVER RESIDE AT THESE LOCATIONS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX PLEASE REMOVE THE FOLLOWING NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THE FOLLOWING EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Ally financial has promised to collect vehicle at lease expiration but has consistently failed to do so. The lease is more than 6 weeks past expiration and past the date Ally promised to collect. Ally has subsequently stopped communicating with us. Calls and emails to supervisors and executive management have gone unanswered. Ally has told us that we are responsible for the safekeeping of this vehicle. Some folks from Ally have lied about California COVID laws preventing them from arranging a pick up other car lessors have picked up expired leased vehicles during the same time period that Ally said it was not possible. There is never a consistent story from person to person at Ally. The only consistency is that ally expects customers to store vehicles that no longer belong to the customer at the customers property free of charge and to keep paying for insurance even though we are not using the vehicle. We know that XXXX XXXX XXXX  has managed to collect vehicles without causing anywhere near as much difficulty that Ally has. Allys responsiveness to consumers during this crisis and its expectation that consumers should provide Ally free safekeeping of Allys vehicles is abhorrent. ( Ally has also failed to provide, upon multiple requests, any nearby locations or any locations at all where the expired vehicle could be surrendered. )
Product: Payday loan

Mobiloan should not be allowed to conduct business in the United States. This company is a Predatory Payday Loan business where the consumer is charged over 150 % on a loan. For example, one borrows {$1500.00} and is charged an upfront fee of {$150.00} to do so and given XXXX weeks to pay in full prior to incurring an astronomical " fixed '' daily finance charges. Even though the company 's representatives ( XXXX, ext. XXXX, among others ) state that it 's a daily fixed rate they never give direct amounts. I have heard about predatory lenders like Mobiloans and tried it for myself and can not believe that the Consumer Financial Protection Bureau lets them get away with " ripping off '' consumers who need short term financial assistance. This is disgraceful and I hope that CFPB is not just a Government Agency to ignore this predatory behavior and will get to the bottom of this on behalf of consumers having financial difficulties and do not take the time to read the fine print. Mobiloans can make a profit but not over 150 % to the consumer. Mobiloans , LLC with a physical address of XXXX, LA XXXX.