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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX  XXXX XXXX XX/XX/2023 TU 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I sold a stock on XXXX for {$54.00} on XX/XX/XXXX, and my bank account was mysteriously removed from the app. XXXX reversed the transaction as a result and took my earnings from the stock, and also charged a {$9.00} fee for reversing the transaction. The app 's service used for connecting bank accounts to XXXX, known as XXXX, has not allowed me to connect my bank account to XXXX. Over the past three weeks, I have tried connecting my bank account to XXXX, but to no avail. 

I also tried to pay a friend on XXXX because he put a down payment on an XXXX  we rented for vacation. XXXX also uses XXXX to connect bank accounts. For some reason, PNC is unable to connect to XXXX as well, and I haven't been able to make transactions on XXXX during the same time frame as the encounter with XXXX. 

Today, XXXX  gave me the option to file a complaint to the CFPB, and I'm hoping this can solve the issues I've been dealing with regarding my bank account and other applications.
Product: Checking or savings account

I have been using the SoLo Funds app to lend money, but I am currently unable to withdraw any funds from my SoLo wallet. This issue began over a month ago, and it has affected the entire user base. SoLo Funds has informed us that the problem is due to an issue with a recent update they rolled out. However, they have not provided any timeline for when the issue will be resolved, leaving us uncertain about the status of our funds.
Product: Money transfer, virtual currency, or money service

Chime as always taking money out my account with out knowing also when I get money from ATM the prepaid bank also charges me extra fees.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance Owed : {$580.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$20000.00} XXXX XXXX  XXXX Balance Owed : {$6900.00} XXXX  XXXX  XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX Balance Owed : {$870.00} XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2600.00} XXXX  XXXX Balance Owed : {$260.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Debt collection

I work for the XXXX XXXX XXXX XXXX and am a twice widowed mother and was not left any life insurance, can not get a loan or credit card as my credit rating is ruined after being off work on unpaid FMLA for almost six months due to severe health issues!!! I have not been released to return to work by my doctor and just paid all I had left from my tax return to Honda almost {$300.00} a little over a week ago!! Because I have filed for workers comp with my employer and had to appeal and waiting on the results but have had XXXX income in six months!! I have kept in touch with Honda weekly letting them know all that is going on. My current balance due is {$1600.00}. I have had the loan for almost five years and it will be paid off by XX/XX/2023. I have asked them numerous times if they will help me with a hardship or work with me on the payments to catch up and they will not and keep threatening me with repossession! I have no other vehicle and commute two hours round trip daily for my job so if my car is taken I will lose my job!! I also have asked for a manager to call me twice and none returned my call they said there were none and they dont have any hardship programs to help me!! XXXX who called herself a lead that I spoke with today said the same!! I want corporate to help me so I can get my car paid off and keep it!! I have paid over XXXX on my car and it is only a couple of months from being paid off!! I need more time as my doctor has not released me to return to work yet, it may be the end of next month before he does! I am not going to not pay it off!!! I am reaching out to every charity and church I can think of but none have helped yet!! It is not my fault I got sick due to my employment!!
Product: Credit card

I paid an extra XXXX on top of my min monthly and they did not apply it to the highest interest balance which would be cash advance. The Credit CARD Act of XXXX stipulates that any excess payments you make ( amounts higher than your minimum payment ) should be credited towards the balance with the highest APR. If there is any amount leftover, this will be applied to the balance with the second highest rate of interest. See the statements for details.you can see the extra paid and the higher interest balance did not go down XXXX as it should have.
Product: Credit reporting or other personal consumer reports

These are medical bills showing as a collection, that is illegal to be put on my credit report. I was working with a Representative named XXXX and I was working on a monthly payment plan with the last draft out of my account on XX/XX/XXXX. 

Per the new law regulations : New rules will ban medical debt from your credit report. The federal Consumer Financial Protection Bureau on Tuesday issued new regulations barring medical debts from XXXX  credit reports, enacting a major new consumer protection just days before XXXX XXXX XXXX is set to leave office
Product: Credit reporting or other personal consumer reports

I have a mortgage with XXXX XXXX  The mortgage closed on XX/XX/year>. They changed servicing companies about that same time, They started reporting my new mortgage twice on both our credit reports, my husband and me. 

They are also practicing at worst unfair and deceptive practices and at best incompetency. I got an escrow review letter in XXXX that spoke of a shortage, I paid that shortage with my XXXX Payment. Now my mortgage amount is showing higher. When I called I was told another mistake was made. Now I have two escrow statements ( I still have not gotten the second one, I just noticed it in my documents ) and it is unclear what I owe. When I tried to lodge a complaint about this and the credit report situation, the customer service person did not even seem to know how to lodge a compliant. They should have communicated that there was an error, they have my e-mail address and mailing address.
Product: Debt collection

Debt occurred from identity theft and the collection company didn't even verify this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a dispute letter to Experian stating that they were reporting an account accurately that I saw on my credit report. I knew that I have never seen this account before and it was only reporting on Experian and not reporting on any other bureau. I sent a request to XXXX XXXX XXXX to verify and validate this account. 

Upon looking at the correspondence received ( attached ) this account belongs to someone named XXXX XXXX XXXX under social security number XXXX XXXX XXXX XXXX SER : Account number : XXXX, This account is not mine. 
I doesn't even appear to be reporting the correct account number either according to this paperwork they sent. I find it quite odd that the letterhead contained no account number, dates, or point of reference either. 

My name is XXXX XXXX and my social security number ends in XXXX. 

I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. I have also provided you with copies of my social, current and past address and license. 

A copy of My ID, Social Security Card and Proof of Address are Attached along with the Identity Theft Report.
Product: Money transfer, virtual currency, or money service

I received a payment request through PayPal from a fraudulent source. I contacted Paypal and they refuse to investigate it as fraud or remove the request from my account. Their automated resolution center also rejects reports of fraud for this " type '' of transaction.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and reporting of certain accounts listed on my credit report that I believe to be in violation of my federally protected rights under the Fair Credit Reporting Act ( FCRA ). These accounts have breached my rights to privacy and confidentiality as stipulated under Title 15 U.S.C. 1681, particularly in sections 602 ( A ), 604 ( A ) ( 2 ), and 1681c ( a ) ( 5 ).

The following accounts have been reported without my explicit written instructions, thereby contravening the requirements set forth by the FCRA : Details of the Dispute : XXXX XXXX XXXX : Reported balance of {$330.00} XXXX XXXX XXXX : Reported balance of {$5500.00} XXXX XXXX XXXX XXXX : Reported balance of {$9300.00} XXXX XXXXXXXX XXXX  : Reported balance of {$16000.00} According to 15 U.S.C. 1681 section 602 ( A ), I am guaranteed the right to privacy. Furthermore, section 604 A ( 2 ) mandates that a consumer reporting agency can not release any account information without receiving written permission from the consumer. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits the reporting of any adverse information, other than criminal convictions, that predates the report by more than seven years.

Moreover, under 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is unlawful to furnish any information about a consumer to a reporting agency if the provider knows or has reasonable cause to believe that the information is inaccurate. 
Given these violations, I am requesting the immediate deletion of the aforementioned accounts from my credit report. Please review this matter under the guidelines of the FCRA and confirm in writing that these accounts have been removed. 


I am requesting the assistance of the Consumer Financial Protection Bureau to investigate these entries and to facilitate the correction of my credit report. I seek confirmation that these accounts will be removed promptly and any negative impacts related to them be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

XXXX XXXXXXXX XXXX Opened XXXX. {$120.00} XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX CAPITAL XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to pay off my Synchrony credit card in full and got a notification that the payment was accepted. Then later noticed autopay was still set, so I logged into my account out of curiosity. I found out the initial payment was returned. And the autopayment was declined. I saw the account had been closed, and there was never a notification or mail received to notify me. I called and was on the phone for an hour and a half. The reasoning for closing the account kept being changed. No solution was found, and they will not reopen the account. I called my debit card company, and they never had an issue with the account. And they confirmed that there was enough money to make the payments to the credit card. I need help due to never being given the chance to fix the problem. The credit card company placed my account in delinquency due to the payments not going through, and they are blaming my debit card bank. The account took the money, but returned it, both times. We have pictures as proof for sufficient funds. How can I fix this?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, requesting the investigation, verification and deletion of these suspicious accounts. I believe that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because of their willful non-compliance. These items were already included in my prior complaint last XX/XX/XXXX, and I'm including it again. The following items : items : XXXX  XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, must be deleted to reflect accurate information on my Credit File.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

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

I have disputed multiple credit inquires on my report with the credit bureau multiple times and I am just not getting anywhere. I have spoken to all XXXX of the credit bureaus and to this day no one will assist me. I am disputing the following inquires as I previously have. I have no knowledge and did not authorize these inquires to my credit. I also have a fraud alert in my account and have had XXXX placed multiple times in the last year or so. I did not authorize the following inquires toy credit and have no knowledge of them : XXXX XXXX : XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XXXX/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 XXXX XXXX XXXX XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Job application fraud. I applied for a data entry position, received an email, responded, and started the interview process for 48 straight hours. I was hired, and provided a check for over {$2100.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The check cleared and showed in my account balance. This company then instructed me to send {$500.00} to their vendor using XXXX XXXX. I did this, then had doubts. I called my bank, AlaskaUSA Federal Credit union and learned it was a scam. Essentially, the check for {$2100.00} will be cancelled, but only after I paid them for office equipment. I started a fraud claim with both my bank as well as XXXX and no one can help me. The bank placed the check on hold, so its not an available to spend. However they say Im not getting back the {$500.00} for office equipment. My bank also stated that they will not investigate the scammers. I want help, please! Help to catch these people and help getting my {$500.00} back. I still have the emails and the check from the fraudulent company. Please help.
Product: Credit reporting or other personal consumer reports

There are inquiries that I do not have accounts to or apply to. I would like them removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card I only have a bank account with them XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to XXXX, Experian and XXXX. The complaint numbers were XXXX ( XXXX ), XXXX ( XXXX ) and XXXX ( Experian ). While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XXXX, Experian and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by and of the bureaus to resolve anything, even after filing a complaint for getting no responses! I'm also aware that there was public data released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX, Experian and XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

Inquires on my credit report I do not recognize! 
XXXX XXXX inquire date XX/XX/XXXX Cresco capital. XX/XX/XXXX XXXXXXXX XXXX XXXX inquiry date XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXXXXXX account was closed by XXXX XXXX, due to the fact that XXXXXXXX XXXX XXXXXXXX is no longer in business. This cause my credit score to drop. I has not be penalized for the company going out of business especially seeing that my account was always in good standing.
Product: Debt collection

I do not have any accounts with this agency. I have no agreement or signed disclosures with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, we asked to apply credit from over paid amounts in the past to our current due payment. The agent at Loancare said they would apply the credit. We paid {$1300.00} and they were to apply a credit of {$140.00}. They never applied the credit and we paid our amount due on time, because the credit was never applied they said our payment was late and now shows on our credit report as a late payment. This is incorrect and an error on Loancare. The phone call was recorded when we asked for the credit to be applied. We have filed multiple times for this to reviewed and is always denied. We have been trying to call since May and have been unable to speak with anyone about the issue or get it resolved. We were able to speak with a manager recently and they also agreed they were in the wrong and listened to the whole phone call. The manager stated when making a decision they dont review phone calls. We are now unable to speak with this manager again as when we are able to get through they state they can not transfer calls to other agents. The phone call needs to be reviewed as Loancare need to remove this late payment from our credit report.
Product: Credit reporting or other personal consumer reports

The information attached to this complaint is identified as identity theft and is not related to any transactions made by me. I am a victim of identity theft and did not make these charges. XXXX requesting you block and delete the information my request is not made in error nor is my request is a result of misrepresentation.