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

Dear CFPB, I am writing to file a formal complaint against SoFi Banking regarding the unjustified restriction of my account on XX/XX/year>. My account was restricted without any valid reason provided, and despite my inquiries, SoFi has not provided a timeframe for the investigation into this matter.

This lack of transparency and communication is unacceptable and has caused significant inconvenience and concern on my part. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) previously closed my claim because SoFi " responded, '' but their response contained the same misleading information and failed to address the issue satisfactorily.

I am requesting immediate resolution by allowing me to close my account with SoFi and facilitate the transfer of my funds out of the restricted account. It is imperative that the CFPB does not close this claim until SoFi Bank has closed my account and returned my funds. According to the law, a bank can not withhold my funds for over 30 days, and it has now been over a month. SoFi 's customer service continues to make excuses, claiming there is no available timeframe for the account closure.

I urge you to address this issue promptly as I can not conduct my business or access my funds due to this unjustified account restriction by SoFi Banking. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I found several inaccuracies. The 3 credit bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to disregard the validation of this reporting accounts as unverified information without providing any proof within the legally mandated timeframe. The following accounts must be investigated and corrected for erroneous reporting in my file, as they are listed on my credit report XXXX XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXXXXXX Balance : {$70000.00}
Product: Credit reporting or other personal consumer reports

I check my credit report on a daily basis and this just showed up on my XXXX credit bureau. 

CITIZENSONE I have no idea where this come from, i have not apply anything in over 2 years.

I have no idea what this is? Account? Loan?

please help me to remove it. thank you
Product: Credit reporting or other personal consumer reports

I am escalating an ongoing issue involving TransUnion and an inaccurate charge-off account reported by XXXX XXXX XXXX ( Account # XXXX ). I have disputed this account multiple times and submitted complaints to the CFPB twice before, yet TransUnion has repeatedly marked the item as " verified '' without providing any evidence or proper method of verification.

I have reason to believe no reasonable investigation was conducted and that my consumer rights were ignored. I am requesting that the CFPB takes further action and require TransUnion to provide full method of verification details, or delete the item for failure to comply with FCRA obligations.

Under FCRA 611, they are required to disclose the method of verification, including the furnishers documentation. In all cases, TransUnion failed to include any of this, violating my right to a reasonable reinvestigation and full disclosure.

In the most recent investigation result, they sent a generic notice stating the information was verified and advised me to " request the method separately, '' despite having already filed multiple disputes and a formal demand letter. Meanwhile, they continue to report this information, affecting my credit standing and score.

Furthermore, TransUnion has failed to provide a response in the CFPB portal. My initial CFPB disputes remain open, and yet they've returned verification results 3 times without ever resolving or responding directly to the CFPB, which appears to violate complaint handling procedures.

As a consumer, I have the legal right to receive : The method used to verify the account.

The name and contact information of the entity that verified it.

Any documents that support the accuracy of the data.

I am requesting that : TransUnion immediately provides full documentation and the method of verification from the data furnished, XXXX XXXX ( Account # XXXX ), Or that the account be removed from my TransUnion credit report for failing to comply with federal law.

If they are unable to comply, I will explore legal options for damages under the FCRA. Please enforce accountability on this matter.
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 XXXX XXXX specifically debt bondagewhich falls under trafficking as defined by the Trafficking-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 XXXX XXXX debt bondage. 
According 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 XXXX 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 trafficking.
Product: Checking or savings account

On XX/XX/XXXX, I deposited a legitimate and valid check, but SOFI froze my account citing a 'risk with the check. ' It has now been three months, and this check is indeed valid ; SOFI even contacted the check issuer to confirm its legitimacy. The check was successfully deposited and did not bounce. I have repeatedly contacted SOFI, including through the CFPB, to request an explanation for the freeze and to promptly release my rightful funds. SOFI has refused to provide any reasons, only informing me that I violated the agreement. Could you explain how depositing a legitimate check constitutes a violation of the agreement? I demand SOFI promptly return my funds, but they have informed me they don't know how long it will takeit could be years or even decades. Isn't this just robbery of my property? I request SOFI to clearly specify which part of the agreement I allegedly violated and to provide a clear deadline by which my funds will be returned.
Product: Checking or savings account

Dear, Im XXXX  years young, with XXXX and XXXX XXXX vet, On XX/XX/2018 at XXXX XXXX ( pacific time ),  I made teller deposit {$1500.00} cash and {$100.00} check total of {$1600.00} inside the XXXX grocery store  one of US bank branch located at XXXX  XXXX XXXX, XXXX Ca XXXX, I got official receipt showing my deposit amount, on XX/XX/2018 Iat XXXX logged in but couldnt find my deposited fund, It is very important because I paid few bills that going to appear on Monday, so I called US bank and discussed the issue they couldnt find the deposit either they said we will investigate it this can not happened because they are banks what happened if i dont have the deposit slip but the issue is what if I didnt had it and is cash this is fraudulent action when an deposit or withdraw or any transaction It must appear in the account ( s ) I really believed Usbank participating in fraudulent activities and CFPB must investigate It, Im going to the same branch in few hours but why this is happening, Investigate if there other government agencies that i can file complaints please let me know also. Thanks.
Product: Debt collection

i reported them about the dispute the transactions but they never did response to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is reporting to all three bureaus ( XXXX XXXX  and XXXX  ) on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.
Product: Money transfer, virtual currency, or money service

Its been multiple times money has been took from me on cash app and I have never received a refund ever just a fake report about Im gon na get a refund soon and they are gon na review
Product: Debt collection

I need in writing the resolution from second round collection agency the this debt is not collectable and I 'm not liable and longer
Product: Credit card or prepaid card

Citi bank Costco Visa advertised No foreign transaction fee. I was charged foreign transaction fee on restaurants, hotels, etc. for transactions occurring in XX/XX/XXXX 2017 in XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Ally Financial to have the inquiry removed from my XXXX account on XX/XX/XXXX, Have not received a response. I am requesting these inquiries be removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Contacted by Rocket Mortgage about refinancing my home for a lower interest rate. So i agreed, it started to become a nightmare because they kept checking my credit and my score went down 47 points. I cancelled the refinance and indicated the reason why and asked them to stop checking my credit due to the issue it was causing, they ignored my request and continued to check my credit driving the score even lower. I've emailed them asking them to remove the inquires and was ignored. 

XXXX
Product: Mortgage

Company response is not viewable! XXXX XXXX, the responder to the first complaint, does not and has not responded to the 5 voicemails I left, nor emails. I verified she was in the office but is not responsive. This is a problem since the CFPB response that I was able to view ( once ) indicated to contact XXXX XXXX directly. 
I am now not even able to access her response due to the website not working properly.
Product: Mortgage

After receiving a permanent modification in XX/XX/2018. XXXX XXXX XXXX was overcharging the escrow amount causing the monthly payment to be incorrect by approximately {$400.00} over per month. We bought this immediately to XXXX attention but to no avail of them correcting the monthly balance due. After continuing to report this error to XXXX, We had our Servicing of our mortgage switched from XXXX XXXX XXXX XXXX to Specialized Loan Servicing. A company that deserves it thousands of 1 star reviews. While they amazingly have the correct monthly amount due, which is {$2800.00} compared to XXXX {$3200.00} we then had an XXXX XXXX statement with a HIGHER amount due then the next month XXXX SLS statement. When we ask SLS how is XXXX XXXX statement HIGHER than the SLS XXXX statement, we were told by SLS they are not responsible for previous servicer mistakes and then they harassed us and mentally abused us, stating they will just foreclose on us if we don't pay the full amount, no matter they have incorrect statement balances, post dated late fees charges when they were not servicer and now this XX/XX/2018 just charged us {$750.00} in forced placed home insurance when we had home insurance coverage sent in as proof by XXXX 3 days later. We have offered numerous easy solutions but they just threaten foreclosure. This debt collecting organization needs to be closed immediately and what they are doing to us is criminal, in our opinion and they need to answer for their actions and verbal harassment. We hope CFPB looks into this serious matter, contacts XXXX XXXX and let them know what both servicer XXXX and SLS have done and can make them straighten up immediately and no longer financially harm our family with XXXX young boys caught in their shell game.
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. These items have had a profound impact on my life, causing significant stress and XXXX It is important to note that I did not authorize or consent to the association of this information with my name, as I have been a victim of identity theft.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt XXXX  and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following 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 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 XXXXXX/XX/XXXX
Product: Debt collection

Wednesday,  XXXX   XXXX  at  XXXX  ( cst ) Central Credit Services  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , Florida  XXXX  Phone  XXXX   XXXX  Repeatedly contacted my employer in attempt to contact me with total disregard to the FDCCPA!   The fact that this debt is not valid is irrelevant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Huntington Bank erroneously reported to the credit reporting agencies that a credit card account in my name was delinquent. The alleged delinquency occurred in XXXX of 2017. A review of all account statements and correspondence from Huntington reveals that the account was never delinquent, that it was closed on XX/XX/2017 and that the balance remaining on the account was {$0.00}. Copies of all relevant documents establishing for foregoing facts, including a Timeline of Events, is attached for your reference. 

I notified Huntington of the error by telephone and they insisted that the account was delinquent. I requested that Huntington provide me with documentation substantiating their claim and they have refused to provide it. In addition, I provided Huntington, via certified mail, copies of all relevant statements and correspondence. They did not respond to my correspondence.
Product: Vehicle loan or lease

On numerous occasions I have called Harley Davidson Finance to get the correct information for the loan that I was joint on back in XXXX. 
On today I called again and decided to take notes. The first call I talked with XXXX or XXXX who was very vague and didnt give me all of the information that I needed. He told me to call XXXX which is suppose to be XXXX XXXX XXXX  a 3rd party collection agency. After trying this number for over 2 months now. This number goes directly to a voicemail. 
I called back Harley Davidson again and talked to XXXX who confirmed that XXXX XXXX number was correct and that it was to the 3rd party creditor. 
The loan was financed in XXXX of XXXX for XXXX. Payments was made thru XX/XX/XXXX. The payments was XXXX monthly. Right now this is showing up as the incorrect balance on my credit report. It shows that I still owe XXXX. From the information given the bank sold It at auction for XXXX. So if I borrowed XXXX and it sold for XXXX and I got credit for XXXX payments from XXXX to XXXX the amount that I would owe is XXXX and some change. But of course this is only correct if I got credit for XXXX in payments made for 3 years and 3 months that I paid on. I have requested via fax and email the amounts and after 2 months I still have yet to get them. I am a firm believer in paying what I owe but the balance remains incorrect without the help or assistance of them to fix the issue for me. I am willing to settle this but it seems I need to go a step futher to settle it.
Product: Vehicle loan or lease

In review of my credit reports, I noticed that there was a " Charge-Off '' account for Capital One Auto. I contacted the creditor to request documentation on the " Re-Sale '' of the repossession of the vehicle. 

I received a letter from Capital One Auto stating a balance only but with no other documentation. ( See Attached ) I am trying to " Validate '' the said balance with what they are indicating is due. I ask specifically for information on what happened to the " collateral '', what did they receive as settlement, how much did the insurance company pay. 

I'm at a total loss of this balance and would like for Capital One Auto to provide me with " ALL '' documentation that pertain to this account. A simple letter does not suffice.
Product: Mortgage

Dear [ CFBB Representative or " To Whom It May Concern '' ], I am writing to dispute inaccurate information listed in my credit report related to my former mortgage account with Freedom Mortgage. My name is XXXX XXXX, and I am seeking your assistance in addressing this matter promptly.

The records show late payments '' or " outstanding balance '' ], which is incorrect. I sold the property associated with this mortgage, and the mortgage was paid in full at that time. Furthermore, I was never late on any payments during the life of the loan, and I often made payments in advance.

I have attached documentation to support my claim, including : 1. The final payment confirmation from Freedom Mortgage.

2. The sale agreement for the property.

Please investigate this matter and remove the incorrect information from my record. Accurate credit reporting is essential, and I trust that you will resolve this issue expediently.

If additional information is required, please do not hesitate to contact me at XXXX or via email at XXXX. I appreciate your attention to this matter and look forward to your confirmation of the correction.

Thank you for your prompt assistance.

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon review of my credit report, I identified unauthorized hard inquiries that go against 15 USC 1681c-2. Please correct this by removing all unauthorized entries.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

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

Our account is in foreclosure with BB & T bank, this is a FHA loan and they are the servicer, we have had nothing but headaches trying to work with this company to try and resolve our account, from them offering unaffordable modifications to them telling us we have a credit on the account, when in fact we do not, this is the XXXX time they said we had a credit and in reality, we did not, which brings me to this complaint ... ... ... .... 
On XXXX XXXX, 2015 we received a re-instatement letter from their law firm the XXXX XXXX XXXX, telling us if we pay {$1700.00} by XXXX XXXX, 2015 our loan would be re-instatedwith me being skeptical, because previously, they told us we had {$12000.00} in recoverable fees that should have been a credit, well after doing further research, the bank admitted they were wrong and we never had a credit of {$12000.00}, we had taking money out of our XXXX to bring the account current, only to find out after the fact, BB & T Rep pre foreclosure rep gave us the wrong information, moving on to the latest ... ... ... ... .. 
On Monday XXXX XXXX, 2015 I called the attorney office, re-instatement department, spoke to XXXX, informed him of the letter we received dated XXXX XXXX, 2015, I asked him is this quote correct? he told me yes, this is the quote that was sent over from BB & T bank, I then mentioned to him, we had issues with this bank, telling us we had a credit, when we did not, he told me pay the amount on the letter and your account would be reinstated, I then told him, we could get the funds from our XXXX to bring the account current, he told me we could use the letter the law firm sent us, I asked XXXX could you please give me the credited fees amount and what they are, he replied {$21000.00} they are corporate advances which are credits, they just use another term thanked him call endedI then called BB & T spoke to foreclosure department XXXX, told her of the the letter we received from your attorneys office, asked for the account number I gave it to her, she then turned around and ONCE AGAIN told me that figure is not correct, she will call the attorney office, I then ended the call and here we are once again, this is the XXXX time this bank gave us false information, just another example of the POOR servicing, they have done regarding our loan