23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I received an " account closure '' notice from SoFi. Since then, I have been trying to access and withdraw my funds, but their customer service has been unhelpful and unwilling to provide any clear explanation regarding why my account was closed. 

Today, XX/XX/XXXX, I received an email stating that my account is officially closed and that the funds will be sent back to the depositor. However, I have checked thoroughly and have not received any funds returned to me. This is completely unfair. I have been waiting for over eight months to withdraw my funds, only for SoFi to close my account and send the funds to someone else instead of returning them to me.

The total amount I am owed is {$440.00}, and I demand that SoFi reimburse me by sending a check for the full amount. Their handling of this situation is unacceptable, and I am seeking the CFPB 's assistance to resolve this matter since SoFi has been unresponsive and unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX credit account opened at : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Account type : Charge Card I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections,
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I've been out of the country since last year : XX/XX/XXXX - XX/XX/XXXX I had XXXX on my XXXX XXXX XXXX XXXX. In XX/XX/XXXX I was XXXX by an XXXX while walking across the street. Put off XXXX till now. 

In XX/XX/XXXX - I left to XXXX and just now got back.2 weeks ago. 

I made a payment on XX/XX/XXXX, on my account and set up automatic payments on the same day because I knew I was going to be gone. 

So I traveled to XXXX for XXXX then to XXXX where I did my XXXX, which is also my native home. Because of XXXX high crime and ties with fraud, I couldn't access any of my accounts from that country. 

Upon arriving about a little over 2 weeks ago - Discover has given me about 4 late payments.

I see whats going on and made a complaint to Discover on XX/XX/XXXX, in regards to the matter was not given any help of any kind. All I was told is that it doesn't show in their system of automatic systems being set up.It 's obviously a tech error. That's not my fault. 

I have never had an issue with Discover till now. Is hows a Tech error my mistake?

They have cost me almost 150 points of my credit when a fault was made on their end a fault - THEY HAVE SYSTEMS IN PLACE THAT CAN PROVE.

I'm dealing with recovery and have been emotionally stressed because now my back is against the wall for a mistake by Discover and every time I call I get the runaround, instead of them taking responsibility and doing what needs to be done so I can get back to my normal life.

Please help me get all those false missed payments off my credit.

Already beginning to consult lawyers about possible legal action against Discover in regards to the issue.
Product: Credit reporting

Tried to obtain my annual credit reports. XXXX was no problem. XXXX and Experian both were unable to send. XXXX questionnaire asked questions but none were related to any information about me. Experian did not even ask questions simply stating they were unable to send online. Both want me to mail my requests and submit my PERSONAL information via the mail which I feel further exposes me to credit theft.
Product: Credit card or prepaid card

On XX/XX/2021, I had purchased 2 XXXX XXXX prepaid SIMs from XXXX using XXXX for payment who then changed my credit card with Chase for {$190.00}. XXXX XXXX refused to activate the SIMs. This was due to the representative limited access to their provisioning system and directed me to get my money back. A complaint was filed with the FCC on XXXX XXXX 's lack of competence ( PDF attached ). XXXX directed me to their website for a refund, however, they would not accept returns on open items which is unacceptable. XXXX had been useless in the past with refunds. I had used Chase 's online dispute process. Chase had credited and then rebilled the charges stating that XXXX found no billing error ( PDF attached ). This is untrue as XXXX 's website states there is a chargeback under review for an item not received ( PDF attached ). XXXX 's website is limited and is not capable of stating the actual issue of services not rendered and included 2 items.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : - ITEMS IN DISPUTE Personal Information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Employers : XXXX XXXXXXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, Employers : XXXX XXXX XXXX : XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX, XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Late Payment XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Collection/Charge Off : 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

XXXX XXXXXXXX XXXX XXXX closed INQUIRIES Unknown/due to XXXX XXXXXXXX XXXXXXXX false pre-approvals and inaccurate in consistent data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I SENT THIS THIRD-PARTY COLLECTION AGENCY BELOW THREE CERTIFIED LETTERS AND I ALSO SENT THREE CERTIFIED LETTERS TO ALL THREE CREDIT BUERAS ASKING THEM TO VERIFY THIS DEBT THEY SAID I OWE BUT I HAVE NOT GOTTEN THE CORRECT INFORMATION VERIFYING THE DEBT BACK FROM NEITHER ONE OF THEM, SO THIS COLLECTION DEBT SHOULD HAVE BEEN DELETED OFF ALL THREE OF MY CREDIT REPORTS, HERE 'S THE LAST LETTER I SENT 3 MONTHS AGO ALONG WITH THE ACCOUNT NAME AND ACCOUNT NUMBER BELOW. 

XXXX XXXX XXXX XXXXXXXX XXXX Original Creditor Name : XXXX XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX, TX XXXX I am writing this letter in regard to the account : XXXX XXXX XXXX referenced above that is being listed on my credit report by XXXX XXXX XXXX This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For obvious reasons.

I am maintaining very detailed records of all my correspondence with you in preparation to file a complaint with the Attorney Generals office and the Consumer Financial Protection Bureau if you continue to list this item on my credit report. I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the account can not be verified, you are obligated by law to remove the item and if you do verify this item, please provide the complete name of the person who verified this information, telephone number, the date you spoke, all documentation provided to you, and the method of verification as well. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was offered a credit card during an Amazon purchase on XX/XX/XXXX, and applied right away. I was given the card, and made 2 purchases with it. The third time I wanted to use it the purchase was not authorized. I called the number on the back of the card and was told chase had closed the account and they did n't have a reason why. Chase closed it on the same month without even a reason or a letter.
Product: Mortgage

XX/XX/2022 Nations Direct Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Loan # : XXXX RE : Responding to the letter that was sent on XXXX. 

Hello, My name is XXXX XXXX. XXXX XXXX, myself ( XXXX XXXX ) my mother XXXX XXXX, and my father XXXX XXXX. Have been trying to apply for loss mitigation since XX/XX/2022. It has been extremely frustrating because there are extreme delays on receiving the information. I have called several times to try and get set-up on the loan solution portal system however it does not recognize my loan number, social security XXXX or zip code. Every time I call Nations Direct Mortgage, they have no idea on how to add my loan to the portal system. I have sent items that were being requested 3 to 4 times before properly being reviewed. In the meantime, our mortgage payments are outstanding since the loss mitigation department can not properly approve the submitted information. 

We are fully aware of the outstanding balance. I have been calling Nations Direct Mortgage every day sometimes multiple times a day to get our application process correctly. Regarding the face-to-face interview, phone conference etc. we have no problem having a phone conference call with Nations Direct Mortgage. We have been trying to have someone in the management team contact us for months and no one has returned any of our phone calls. 

Basically, we are extremely frustrated on how the loss mitigation department can not properly submit our information. In the meantime, our mortgage payments are getting behind since the staff at Nations Direct Mortgage can not properly submit our loss mitigation paperwork. Nor have we gotten any calls from the management team in the loss mitigation department that has been requested several times. 


Sincerely, XXXX XXXX
Product: Credit card

I have a Goldman Sachs Credit Card in MY NAME ONLY : My fianc and I are in an " XXXX XXXX plan '' I have been on the hook for what my fianc has been spending on XXXX even though I have NO COSIGNERS or authorized spenders on my apple card, she even uses face id to authorize purchases on her end ( XXXX {$5000.00} ) In my statements my purchases are clearly defined, probably nothing over XXXX $ My credit should not be impacted by a purchase made by any entity other than myself, my credit score was XXXX before, now it is sitting around XXXX .... 

I believe what Goldman Sachs and Apple did to my credit was highly unethical and I am considering litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX, I XXXX XXXX, together with my wife, run our credit report to know how was our credit in order for us to get apply for a house, after we pulled our credit report and went over it, I discovered some unknown accounts on mine and also on hers, including some personal information that were not related to me and/or my wife, in this case I am only going to talk about myself. My credit report was with multiple accounts that did not belong to me. Asking for some help here and there, on XX/XX/XXXX, I submitted my first dispute some items were remove, on XX/XX/XXXX, I submitted my second dispute, some other items were remove but also received correspondences from the credit bureaus requesting for a Police Report in order for them to remove the other accounts, so, on XX/XX/XXXX, my wife and I went to filed an XXXX XXXX Police report just as the bureaus requested and on XX/XX/XXXX, I submitted my first dispute with the Police Report included, this time I had better results, XXXX and XXXX removed all the accounts remaining that were not mine, unfortunately, as of today 's date, Experian has been refuse to remove multiple accounts from my report ( accounts listed on my Affidavit of Identity Theft ), I really do not know what else to do, I did all the necessary to remove those accounts, I am expecting to have some results after doing my complaint here at CFPB, I am attaching the most recent dispute package that I submitted to EXPERIAN, and as of today they have not remove the accounts that not belong to me.
Product: Credit card or prepaid card

I ordered a textbook online advertised as the US version.  What I received was the much cheaper, and not useful to me, international version. I tried to return the item to the merchant, but they never responded. I then proceeded to dispute the charge with Capital One, but they failed to address the issue as required by federal law, state law, and the terms of use for the credit card itself. 

XXXX XXXX MerchandiseXXXX XXXX XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX Purchased : Fri, XXXX XXXX, XXXX Posted : Mon, XXXX XXXX, XXXX Purchased By : XXXX XXXX Appears on statement as : XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OCWEN/GMAC MORTGAGE WAS PAID IN  XX/XX/XXXX  BEING REPORTED AS CHARGED OFF INSEAD OF PAID
Product: Credit reporting, credit repair services, or other personal consumer reports

If you feel there is a possibility these addresses belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the addresses is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX.. I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections ... .Its a bit confusing when an account is a charge off and showing a balance at the same time..Please remove this error and fix my accounts
Product: Mortgage

Inquiry made by : XXXX XXXX XXXX Inquiry made on : XX/XX/2020 To Whom it May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report and notice that there is an unauthorized credit inquiry made by the company XXXX XXXX XXXX XXXX The listed inquiry was without authorization and I deny making it. I would like to dispute the authenticity of this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continued to report inaccurate account, personal information, and hard inquires despite my endless efforts of informing them it's not mine and never was, also all the different XXXX names they allowed creditors to run without my permission not even having the correct information or person information. 

Collection Account is not mine never even had a XXXX XXXX ever in my life nor gave anyway permission to obtain credit using my personal informantion. It is being reported now as Collection Account Name " XXXX XXXX XXXX XXXX '' {$980.00} balance and the address XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. I have spoke directly to this debt collector and they continue to state Experian can delete this off and can not help me. Also, there's 3 hard inquires on my Experian Credit Report I don't recognize nor give these companies permission to use my personal information. 

Hard Inquires that are Fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Hard Inq Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Hard Inquire Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Hard Inquire DateXXXX
Product: Credit reporting or other personal consumer reports

paid a debt for insurance after I was told I couldnt get another policy until the debt was paid and the account would be removed off of my Consumer credit report once the account was settled.
Product: Consumer Loan

my XXXX loan was with consumer portfolio service. CPS stop taking monthly pymnts from me and forward the account to collection who demanded {$10000.00}. i filed a complaint via better business bureau, CPS then stated i owe {$7000.00} but will settle for {$3000.00}. i then tryied to trade the vechicle in but CPS now went back-up to {$7000.00}. CPS solded the account to an outside co. [ als resolvion ] to whom pick-up the vehicle. My vehicle was paid-off and CPS was collecting late fees from me, but stated i still owed on the vehicle. Please Help now that they have the vehicle i want to be cleared of that debit because they will sell the vehicle for more then it is worth.
Product: Checking or savings account

I had attempted to make a purchase with my debit card, the transaction was denied. I tried to login to my online banking app and was given a message that my account was locked, I called the number the app gave me, and was transferred to the fraud department. They told me that they closed my account due to suspicious activity and did not give me any warning or anything. I had this happen with a previous Truist account as well. 

I also went to my local branch to figure out what happened and again they were told the exact same thing, and they couldn't reopen my account or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two unauthorized inquiries on my credit report. The credit report does not have a contact phone number for the companies requesting my credit report. I tried calling from phone numbers on line to find out who and why these two companies are inquiring on my credit, but was not able to speak to anyone about this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of late-payment information appearing on my Equifax credit report concerning my child support/Office of the Attorney General ( OAG ) account. Specifically, the report inaccurately indicates I was late in XX/XX/year> and XX/XX/year>, which contradicts both my payment history and other records. 

Reason for Dispute & Supporting Details Timely Payments : I made my XXXX and XX/XX/year> child support payments on time, and my ex-spouse received them without delay. There was no indication from the Office of the Attorney General or my ex-spouse that I was ever late. 
Discrepancies Among Credit Bureaus and OAG Records : XXXX : Does not reflect late payments for XXXX or XX/XX/year>. 
XXXX : Reflects only XXXX as being late ( further contradicting Equifaxs assertion that both XXXX and XXXX were late ). 
OAG Child Support Office Inconsistency : Their records ( or certain documentation from that office ) list the XX/XX/year> payment as XXXX  days late, yet the official OAG account/payment history does not corroborate this alleged lateness. This internal inconsistency within OAGs own system underscores the error in EquifaxXXXX reporting. 
These inconsistencies suggest a fundamental error in how Equifax is receiving or interpreting data related to this child support account. 

Legal Basis for Removal Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute any information in my credit file that I believe to be inaccurate or incomplete. Upon receipt of this dispute, Equifax is required to : Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ) : Equifax must investigate my dispute and verify the accuracy of the reported information with the furnisher ( the OAG ).

Correct or Delete Inaccurate Data ( 15 U.S.C. 1681s-2 ( b ) ) : Data furnishers are legally obligated to correct or delete information that they can not verify as accurate or that is found to be inaccurate. 
Because the information regarding alleged late payments for XXXX and XX/XX/year> is inaccurate, I request that Equifax : Conduct a Prompt Reinvestigation : Verify the payment history and dates with the Office of the Attorney General, ensuring they can substantiate each reported late payment. 
Delete or Correct the Inaccurate Late-Payment Notations : If the OAG can not prove these late payments occurredor if they confirm timely receiptEquifax must remove or correct the negative marks from my credit file. 
Provide Written Confirmation : Once corrected or removed, please provide me with an updated copy of my Equifax credit report indicating these inaccuracies have been resolved. 
Should Equifax fail to correct or remove this inaccurate reporting, I will pursue any additional remedies provided under federal law. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.