23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I saw sofi advertised and thought they would be able to help me get my life in order and fix up my house, so in good faith I applied for an extension of credit and was not told they would be basing my application on a third parties opinion of me and that they would discriminate against me based on a number. They did not make it clear and conspicuous that they have a number raking system to say yay or nay to. I tried speaking with an agent to get clarification and that is when I was told that a XXXX digit number, that was found within seconds, was the reason for my denial. They then proceeded to say they rechecked my information, which again took seconds, and " confirmed '' that the XXXX digit number was the cause. I then asked for my concerns to be moved to a supervisor because I wanted to know how they were able to share my information with a third party without my consent and how they were able to make such adverse actions against me and told I would be connected with a supervisor. I was not and the chat was over. I have yet to hear back and keep getting offers to see my rates. How can I have rates and offers if they already have a determination against me?
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS HAVE STATED THAT ACCOUNTS WERE PROPERLY INVESTIGATED, HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE OF LAST PAYMENT IS INACCURATE, THE DATE LAST REPORTED IS INACCURATE, AND NO. OF MONTHS IS INACCURATE. ALSO HAVE SERVERAL DISCREPANCIES, THIS IS GROUNDS FOR REMOVAL. 

MY RIGHTS HAVE BEEN VIOLATED UNDER 15 U.S.C 1681 SECTION 602 ( A ). STATES I HAVE A 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 ANY WRITTEN INSTRUCTIONS.

ALSO THE COLLECTION AGENCY CONTACTED ME PERSONALLY THIS IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C 1681C 605A.
Product: Credit card or prepaid card

Back in XXXX of XXXX I made an online purchase at Walmart.com with my Capital One Bank Card for XXXX that was taken XX/XX/XXXX. The item never shipped and on XX/XX/XXXX I contacted Walmart Online Service Rep who assisted me looking into the order and tried to contact the 3rd party vendor. He was not able to reach the vendor at that time but could see the item had not shipped. He canceled my order and refund my money back to my card and on XX/XX/XXXX the funds were put back in my account. On XX/XX/XXXX Walmart charges my card the XXXX and I contact them. Spoke to the Rep they researched the transaction and advised the vendor stated they sent the merchandise and it was delivered and signed for XX/XX/XXXX. I told the Walmart Rep I never received the merchandise and no one in my home has received nor signed for anything. The rep looked into my account and apologized for this and assured me my money would be refunded. I asked is there anything I need to do to prevent this happening again at a later time and the rep told me no your account has been noted and I will escalate this. The rep also advised that I contact my bank and file a dispute with them for the funds to be immediately returned to me and so I did. On XX/XX/XXXX Capital One credit my account back the {$370.00}. On XX/XX/XXXX Capital One reversed the disputed credit. I immediately contacted Capital One asking how and why was this done and the Capital One rep explained Walmart had denied the refund stating the item ordered was delivered and signed for. I explained to the rep I never received the item and Walmart had assured me this would be refunded as they were made aware that I never received anything. Capital One explained to me there was nothing more I could do because the claim was denied and a dispute can not be submitted a 2nd time. I contacted Walmart to get this resolved and the Walmart Rep looks the account over see all the conversations and apologies for this and again assured me Walmart would refund me. The Walmart rep also advises me that she is going to escalate the matter to Management and Billing to get this quickly resolved. I followed up with Walmart today as Ive not heard back from anyone via phone nor email. I spoke to the Walmart Online Rep today XX/XX/XXXX and went in circles got a bunch of empty apologies and was now being told that because its beyond 90 days theres nothing they can do! This is not okay, I never received the item ordered and even had to purchase the item from a different vendor because this was a XXXX Gift for my husband and months later the vendor claims they indeed shipped the item and I sign and received it is an out right lie! They have not provided the signed form or whatever theyre claiming to have received. I did request my bank to send me the supporting documents Walmart provided them to deny my dispute and I did receive that today and can forward that to you. It only states what theyve been saying but it doesnt show receipt of the signed postal form! Please will you help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to unfreeze credit despite repeated attempts to do so. Possibly confusing me with my twin sister.
Product: Checking or savings account

This is the second time I try to resolve this with USAA, but it has not worked. USAA failed to cover my mortgage and other payments with my secondary account/overdraft protection which has plenty enough funds. The first time I tried to resolve was about 1 month ago when my mortgage servicer, car insurance, and internet provided messaged me that my payments were returned. I then patiently stayed on the line for clo se to 1hr to talk to a representative who explained to me that USAA had made some systemic changes/upgrades and that affected overdraft protection for some members, including myself. She refunded some of the fees- not all of them - and placed back the overdraft protection. Fast forward one month a nd the same issue occurs. This time is my mortgage and a couple of other payments and the wait time to talk to someone is over 1hr. Last time I had to go through the embarrassment to apologize to my creditors and had to absorb their late fees. This time I expect USAA to refund all fees - banking and creditors- and an apology letter at minimum. But most importantly, I expect a world-class organization like USAA to get it right. If and when systemic enhancements/changes are made, perform adequate pre-implementation testing to ensure preventative controls are in place to minimize/eliminate consumer impact.
Product: Debt collection

In regards to the following account : PARAMOUNT RECOVERY Last reported XX/XX/2022 {$690.00} Open balance XXXX XXXX XXXX Original creditor XX/XX/2022 ( XXXX mos ) I have active Georgia XXXX and this debt is covered by my insurance available by simply looking up my social security number in their system. It should not be on my credit report affecting my livelihood and ability to obtain credit because the original creditor did not file it with my insurance. This needs to be removed immediately from all XXXX credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am writing to address several unauthorized and fraudulent inquiries appearing on my credit report, which I suspect may be linked to identity theft. After reviewing my report, I noticed inquiries from companies I have never interacted with and for which I never applied for credit or provided consent to access my information. Despite previously disputing these inquiries, they still remain on my report, which is deeply concerning. Their continued presence not only raises serious questions about the security of my personal information but also adds unnecessary stress and anxiety over the potential misuse of my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act the following accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act shows several laws being broken here 15 U.S.C 1681 section 602 A : states that 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.
Product: Debt collection

I saw a blip on my Credit report from this company claiming I owe some sort of medical bill from 2010. This bill is not mine and this company is known to be fraudulent.
Product: Credit card or prepaid card

On XX/XX/2019 I received a 6 month defer interest loan, which I paid in its entirety 
On the XX/XX/2019. eight days prior to the statements due date of the XX/XX/XXXX. 

Few days ago, I see an email with a new invoice of $XXXX   stating that those were the interest charges on the account that had accrued.

Two months prior to this I requested an extension as I believed that 6 months for a XXXX XXXX dollar loan was a bit overwhelming. 
Nevertheless I was denied.
Customer representative said that if I paid before due date I would not include any charges,  he did not mention that I had to pay by the sixth on the final month.

When I asked another customer representative 
Why there was a difference in due dates, he said that that was a grace period.
So if it was a grace period , then why a I being charged interest on my account. 
It was 0 interest for six months
Was paid before the last billing cycle that according to them is the XXXX  of every month. 
I called to many of their "customer care"reps, and "supervisors ", without being able to get help revercing the charges.
Product: Checking or savings account

Received call on XX/XX/2023 from branch manager stating that there was an issue with my type of address. I explained that I have had to travel a lot for my job and live in an RV. I've used XXXX  boxes for my address given that I have to move RV lots often. 
She understood and said she would make some calls to figure out what could be done for my situation. She said I would still be able to use my account for the time being and they would reach out to me after they found out more. 
On XX/XX/2023, my debit card was declined even though I had sufficient funds in my checking account. I called customer service and they told me the hold was due to the address issue and I would have to go into a branch to get it resolved. I made an appointment with a local branch. One of the bankers called me for more information regarding the appointment. I reiterated my situation to him. He said he would make calls to find a solution. He called back and said that I had to provide a physical address and provide proof like a bill that would have the physical address and my name. He also referenced letters the bank mailed but I never received regarding this policy. I do not have anything that would fit those requirements, other than my XXXX box. I was able to print my latest invoice from my RV Park but that was not good enough because it was a business address and not from the last 15 days or on official letterhead. I asked if they could at least lift the hold temporarily to get some cash from my account so that I can get some cash to get gas so I would able to go home today. They said yes that shouldn't be a problem. When we went to do the transaction, the banker said the system wasn't letting him do it and there was nothing they could do. I asked if I were to close my account, would I be able to get a check with my funds on it. The bank informed me that with the hold and without the physical address, I am not able to do anything. I am not even able to close the account. Ultimately, I have no way of accessing my funds without submitting a qualifying physical address and qualifying documentation, which would be reviewed. Once reviewed and the address is verified, then I would be able to close my account.
Product: Vehicle loan or lease

Myself and My husband mailed a debt validation request to XXXX XXXX XXXX via certified mail that was received by them on XX/XX/XXXX. We  submitted the request after reviewing our original contract and recieving a default letter on XX/XX/XXXX and seeing that XXXX XXXX XXXX was not the listed creditor on the original car loan contract and another creditor was listed. We also spoke with the original creditor listed on the contract XX/XX/XXXX and they had no record of XXXX being assigned to the loan and neither did the dealership the car was purchased from.After speaking with XXXX representatives on several occasions regarding my concerns XX/XX/XXXX. OnXX/XX/XXXX i offered to hold all funds in a trust or court account to prove I do have intentions in paying once validation is received. The offer was refused.XX/XX/XXXX we were notified by phone representative that XXXX will not be responding to our request and will " prove ourselves by repossession and we do n't have to send anything other than a bill ''. I then responded to the representative stating that if they do not respond with proper documentation by the XX/XX/XXXX deadline they will have to cease any collection attempts and credit reporting. The representative stated that they can just come get the car and they do n't have to prove anything. They will take a payment and I can wait out the XX/XX/XXXX deadline for response if I wish. I complied with a payment of XXXX only because I realized they were willing to go around my rights, but made it clear that I was not in agreement that this was a valid debt and I still wanted validation. This arrangement was made to put the account on hold in their records until XX/XX/XXXX. Without validation who is to say that another company ca n't come along and say I owe them instead and they too can repossess.
Product: Debt collection

As a federally protected consumer, I recently filed a cease and desist letter issued to AD ASTRA RECOVERY. AD ASTRA RECOVERY is a debt collection agency that is attempting to collect a debt from me, that is not owed to them. I have never signed a trilateral contract between AD ASTRA RECOVERY that states I do any types of business with them nor have I given them access to my consumer reports. However, AD ASTRA RECOVERY has unlawfully added their tradeline to my consumer reports without my knowledge or consent. The company has reported this for months and have damaged my credit report and my financial reputation.

No communication or tracking has been provided to me nor have I ( federally protected consumer ) validated said debt with AD ASTRA RECOVERY and they are committing aggravated identity theft and Debt Parking. In violations of the FTC Act, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act ; AD ASTRA RECOVERY has purported debts on my consumer credit reports without first attempting to communicate with the consumer about the debt.AD ASTRA RECOVERY has still not sent receipt of any communication to attest to the fact that I signed up or signed a contract to do business with them on behalf of said Debtor. They Have no right to have access to my consumer reports I have not disputed this debt nor been in communication or have signed any agreement to pay said debt. I am protected by the assignee clause and AD ASTRA RECOVERY is in violation of 15 U.S Code 1692e ( 12 ). Both AD ASTRA RECOVERY and said Debtor are both held liable.

In prior complaint, AD ASTRA RECOVERY did not acknowledge cease and desist, they just stated that they would sent letter proving alleged debt but did not send any proof that they have the legal right to have obtained my consumer reports or any receipt showing where I do business with them or agreed to make payments to them. This is in violation of my rights according to 15 U.S Code 1692c ( c ).

AD ASTRA RECOVERY did not have prior consent from the courts or I, the consumer before communication about the collection of any debt which is in violation of 15 U.S Code 1692c ( a ).

AD ASTRA RECOVERY & SPEEDYCASH ( Said Debtor ) are in violation of the assignee clause which makes them both liable according to 15 U.S. Code 1692e ( 12 ).

AD ASTRA RECOVERY has still not proven that I validated said debt before it illegally and unlawfully added to my consumer reports, which is in violation of 15 U.S Code 1692g ( c ).

AD ASTRA RECOVERY stated in response to my last complaint about my failure to dispute. " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by consumer '' according to 15 U.S Code 1692g ( c ) My attorney has filed a complained with the Federal Trade Commission citing all violations made by AD ASTRA RECOVERY. I have also filed complaints with the Better Business Bureau.

AD ASTRA SHOULD IMMEDIATELY remove their tradeline from my consumer reports. They have knowingly committed many violations with " Debt Parking '' being the first and foremost
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX SOFI Lending Corp XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX The IRS clearly states that lenders or creditors are required to issue Form 1099-C, Cancellation of Debt, if they cancel a debt owed to them of {$600.00} or more. 

So I am asking that you remove the following account from my credit reports : SOFI LENDING CORP Account # XXXX I needed to have an unplanned XXXX that has kept me from working for the past 12 months. I am asking that I be able to claim this charged-off debt of {$5400.00} as income for my XXXX personal tax returns. 


Thank You for your prompt attention and I look forward to doing business with SoFi in the future Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I have over ( 45 ) unauthorized charges on my account from multiple ( vendors? ) located in XXXX. 

I disputed with Wells Fargo and they denied my claim with the reason being that I or someone I have access to my account authorized the charges. 

This is 100 % false and someone from XXXX has charged my card more the loan 45 times upwards of {$5000.00} and Wells Fargo told me to contact the person or people who did this and see if they will work with me. They can not tell me a name of the person/company and referred me to check my online banking. 

XXXX from Wells Fargo advised me her boss XXXX would call me back but I have received no call. No follow up other than letters saying they denied my claim. 

What is my recourse here? 45 charges from XXXX and a banking institution doesnt see an issue with that and protect their customer? 

Im seriously thinking of going to news outlets at this time and see if anyone will pick this up. I emailed the CEO and Board of Directors and Wells Fargo and have heard nothing back. 

I feel like this is illegal. Should I seek legal assistance at this time?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XX/XX/XXXX Experian Customer Relations XXXX XXXX XXXX XXXX XXXX TX XXXX Subject : Formal Dispute and Legal Remedies for Inaccuracies on Credit Report - Account # XXXX Dear Experian Customer Relations, I trust this letter finds you well. I am writing to dispute certain inaccuracies in the reporting of my XXXX  XXXX XXXX account, as per the information provided in my credit report. My objective is to bring to your attention the discrepancies that appear to violate key provisions of consumer law, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
1. Inaccurate Reporting of Account Status : a. Violation : FCRA 1681e ( b ) b. Factual Basis : The reported " On time '' and " Closed '' status is inconsistent with the accurate status of the account, which is Paid and Closed. FCRA mandates accurate and complete reporting, and the inaccurate portrayal of the account 's status raises concerns about the integrity of the credit report. 
2. Reporting of Unsubstantiated Balances : a. Violation : FCRA 1681e ( b ) b. Factual Basis : The reported balance of {$0.00}, as of XXXX XXXX XXXX contradicts the original balance of {$520.00}. Accurate and transparent financial reporting, as required by FCRA, should reflect the true historical financial obligations associated with the account. 
3. Failure to Update Account Information : a. Violation : FCRA 1681s-2 ( a ) b. Factual Basis : The failure to update the account status beyond XXXX XXXX violates FCRA 's mandate for comprehensive and up-to-date credit reporting. A complete and accurate credit report is crucial for consumers and creditors alike. 
4. Misleading Reporting of Closed Account : a. Violation : FDCPA 807 ( 10 ) b. Factual Basis : Reporting a closed account as " On time '' without accurately reflecting the account 's closure date misrepresents the actual status and may be considered deceptive under the FDCPA 807 ( 10 ).

5. Failure to Provide Accurate Original Balance : a. Violation : FCRA 1681g b. Factual Basis : The failure to accurately report the original balance of {$520.00} infringes upon consumers ' rights under FCRA 1681g to request and receive information pertaining to the reported account.

In light of these legal infractions, I urge you to conduct a comprehensive review of the inaccuracies in the reporting of the XXXX XXXX XXXX account, taking into consideration the legal obligations outlined in consumer law, the FCRA, and the FDCPA. Failure to address these concerns may necessitate further legal action to rectify these violations.

Enclosed are supplementary materials, including relevant documentation, to support the factual basis of these violations. I request a thorough investigation and prompt resolution of these discrepancies, ensuring compliance with the applicable laws.

Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution. 
Sincerely, XXXX XXXX XXXX