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

I am writing to address SoFi Bank response regarding the fraudulent cashing of two checksone for {$6300.00} and another for {$30000.00}. It is clear that SoFi Bank mishandled my funds, and the suggestion that I bear responsibility for this situation is entirely unwarranted. 

The funds were initially linked to my external XXXX XXXX  account and could have been securely transferred there. Instead, SoFi Bank chose to mail the checks, creating an opportunity for them to be intercepted. It is evident that I did not cash these checks, as the signatures on them are not mine. 

Furthermore, SoFi Bank 's mobile deposit software failed to prevent the fraud when the individual who intercepted the checks deposited them. While I appreciate that SoFi Bank identified the fraudulent activity, the mishandling of my funds and subsequent attempt to shift responsibility is unacceptable. 

The checks were mailed without requiring a signature, and I was not provided an option to select a more secure delivery method. This lack of diligence directly contributed to the fraudulent activity. 

To support my claim, I have attached documentation demonstrating that I did not cash the checks in question. 

I respectfully request that SoFi Bank return the full amount of the funds to my account immediately. The mishandling of my funds is clear, and I trust SoFi will take full responsibility and resolve this matter appropriately. 

Thank you for your immediate attention. Please feel free to contact me if additional information is needed. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Student loan

Navient is the servicer of my student loan. I applied for teacher loan forgiveness on XXXX XXXX XXXX. XXXX of my loans were discharged in XXXX of XXXX. XXXX of my Stafford Loans have not yet been discharged and I inquired with my consumer advocate at Navient as to why not, I asked for the name of the Gurantor again so I could follow up on XXXX XXXX. Instead of providing that information, she referred me to an earlier email date. Then I decided to research and called the XXXX myself on XXXX XXXX, since this had been a long amount of time. I spoke with XXXX from XXXX XXXX XXXX on XXXX XXXX and inquired about my application. She informed me it was denied on XXXX XXXX, and Navient had been informed in writing on XXXX XXXX. She told me I could called her on XXXX XXXX to make sure I was a teacher of record still in my current position, and she would confirm it with my district, and they would cut a check to Navient.I did take up a separate case with my district, since I disagree with the date they told them I was highly qualified. That day I asked XXXX via email why I had not been informed as it was XXXX XXXX, well over XXXX business days since she had been notified. XXXX at first sent me the old email stating that my application had been forwarded, and I clarified that I wanted to know why it had been denied and no one had informed me in a timely manner. This day, XXXX XXXX, I also asked her to expedite and extend my teacher loan forgiveness forbearance application, as I would have to wait until XXXX for my XXXX loans to be forgiven, as well as to change my name to my new married name. XXXX did fullfill the name change request, however she never responded or answered my forbearance request or addresses it at all. I then received in writing from Naivent on XXXX XXXX, XXXX that they " have not heard from them whether or not it was denied or approved. '' I then called my guarantor and spoke with XXXX and she provided documentation that Navient was informed in writing as early as XXXX XXXX. On XXXX XXXX I received and email that it was denied and Navient was just made aware, even though I asked them to look into it. ( more than a month after Naivent was informed ) I then was informed as a result of this, my loans would be put back into current payment status. I tried to called XXXX that day her phone went straight to voicemail and I also emailed her. I am still eligible for forbearance during this time period, as I am still a teacher of record, and owe less than the amoutn forgiven. There is no reason my application for forbearance should have been denied, and the deliberate delay in giving my timely information regarding the status of my loan is a threat to my credit score, financial well being, and allowing me to have my loan remain in good standing while I take up a case with the district. It also violates the guidelines set out by the federal government that allows a teacher to stay in forbearance during their teaching service.
Product: Debt collection

I am a certified victim of identity theft and I have been working with XXXX XXXX since XX/XX/XXXX to recover my identity. I believe the fraudulent activity started in the spring of XXXX when a criminal used my information to report that " their '' Sam 's Club card ( Synchrony Bank ) had been stolen. These individuals changed the mailing from my address in XXXX, CO to an address in XXXX, TX. I was born and raised in XXXX, CO, and have never lived in Texas. Synchrony Bank mailed the new card to XXXX without notifying me and the criminals began to make numerous charges daily. I opened my Sam 's Club card in XXXX and only used it at Sam 's Club as I thought it was a store-specific card. I would accrue only {$700.00} at most before paying it off. The criminals began using a card issued under my name on XX/XX/XXXX, and within two days, spent {$2400.00}. I was unaware that there were any issues with my card until I tried to use it at Sam 's Club in XXXX XXXX XXXX and was told that it had been reported stolen. I made no such report and had the card canceled. I had not received billing statements from Synchrony Bank as the mailing address had been changed without my knowledge. Synchrony ignored the obvious signs of fraudulent activity ; sudden and unusual changes in spending behavior, and address changes. Synchrony has refused to accept that this was not my spending and has now sold the debt to XXXX XXXX XXXX, XXXX. I am disputing this debt now with XXXX XXXX XXXX, XXXX. 
I have attached statements and payments dating back to XXXX showing my spending behavior. You will see that I only made purchases at Sam 's Club and on XX/XX/XXXX of XXXX charges were made at numerous locations in XXXX, TX and XXXX charges out of California. The criminals also made payments on the card on different occasions, most likely to extend the time that they could use the card. The XXXX credit report shows the criminals attempted to open different accounts under my name, as well as multiple addresses and misspellings of my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I applied for equifax services to check my information, so it took about 15 to 20 minutes with credit card information so I got curious and call my bank they had ran XXXX twice and then additional XXXX on credit card, I immediately call them to clear the error the employee new they had may error continue to ly to my face I told them I was on wife 's phone with the bank, so then the supervisor got on the call I was furious by then he cover for employees and debit my account. They speak very bad english, they are very rude and this services should be put out of business. 
I want money back the service does not work they could not login. This is a criminal organization with legal ties. 
I don't have the money to get a big time lawyer, but someone needs to get these people I'm not the only that has this problem with these criminals.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally demand that you immediately cease and desist all unauthorized activity related to my personal and financial information. This letter serves as a formal notice that your actions constitute identity theft, securities fraud, and fraudulent conveyance, and have resulted in the unconstitutional taking of my private property without just compensation. 
Account Extinguishment and Restitution I demand the immediate and complete extinguishment of all accounts, both public and private, that have been fraudulently created or accessed using my personal information. All proceeds derived from these accounts must be returned to me, the rightful owner and taxpayer.

Accounting Standards and Legal Violations The fraudulent creation and use of these accounts violate multiple accounting standards, including those outlined by the Financial Accounting Standards Board ( FASB ). Specifically, the unauthorized use of my identity to create and access these accounts constitutes identity theft, a federal crime punishable under 18 U.S.C. 1028. Furthermore, the use of these accounts to engage in securities transactions without my consent constitutes securities fraud, which is a violation of federal securities laws.

The fraudulent creation and use of these accounts also constitute a fraudulent conveyance, as they were created to defraud creditors and other parties. This is a violation of state laws governing fraudulent transfers.

Unconstitutional Taking and Involuntary Servitude The unauthorized use of my personal information to create and access these accounts has resulted in the unconstitutional taking of my private property without just compensation. This violates the Fifth Amendment to the United States Constitution. Additionally, the forced labor and financial burdens imposed on me as a result of these fraudulent accounts constitute involuntary servitude, a violation of the Thirteenth Amendment to the United States Constitution.

Color of Law and Deprivation of Rights The actions of your organization and its agents have been carried out under the color of law, which is the appearance or use of lawful power to mask an illegal act. By using government authority to access and control my financial information without my consent, your organization has deprived me of my inalienable rights, in violation of 18 U.S.C. 242.
Product: Debt collection

Dispute was submitted to collection company on XX/XX/2020 for outstanding balance {$280.00}. XXXX XXXX has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance of {$1800.00}. Consumer Adjustment CO has failed to remove account. Dispute was submitted to collection company on XX/XX/2020 for outstanding balance $ XXXX.XXXX  XXXX XXXX has failed to respond. These charges are fraudulent, I am a victim of identity theft.
Product: Payday loan, title loan, or personal loan

This lender is not licensed to do business in the state of Virginia, therefore the loan should be void. They are trying to collect through an attorney.
Product: Money transfer, virtual currency, or money service

I have XXXX XXXX, XXXX XXXX and XXXX XXXX  in my name under a BlockFi account, however the ability to withdraw has shut and I no longer have access to my digital currency.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a creditor account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I spoke with XXXX from Wells Fargo on XX/XX/year>, at XXXX XXXX. for XXXX minutes. I provided the information needed to research this matter. XXXX informed me they could not find any accounts in my name. On XX/XX/year>, I spoke with XXXX at XXXX XXXX he informed me that they could NOT find an account in my name. Please remove these accounts from my credit profiles. I have made previous attempts to fix these issues directly with them, but they are violating my rights. I am entitled to {$1000.00} for every violation I listed, and they either pay me or delete these accounts ASAP!
Product: Money transfer, virtual currency, or money service

Someone made account in my name using checks getting money sent to my profile now in negative knew nothing bout it
Product: Credit reporting or other personal consumer reports

I am expressing my profound disappointment and frustration regarding the handling of my many attempts to remove fraudulent items from my credit file. Despite numerous efforts on my part and the provision of extensive evidence, the response from your company continues to be inadequate, leaving me deeply concerned about the integrity of your processes and the impact on my financial well-being. 

Despite providing comprehensive documentation and evidence clearly demonstrating the fraudulent nature of the items in question, the responses I have received thus far have been unsatisfactory and have failed to provide any indication of progress towards resolution. This ongoing lack of accountability and transparency has left me feeling helpless and disillusioned with your company 's ability to handle this matter effectively.

Conduct a thorough and expedited review of my case, with a firm commitment to prioritize its resolution. 
Immediately remove all fraudulent items from my credit file and provide confirmation of their deletion. 
Provide transparent and regular updates on the progress made towards resolving this matter, including specific timelines for action. 

Failure to address this complaint promptly and effectively will leave me with no choice but to escalate this matter to the relevant regulatory authorities and seek legal recourse to protect my rights and interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, RI XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXXXXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/2XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX Balance Owed XXXX {$480.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00}.
Product: Checking or savings account

First I get a text masssage it says did you attempt to XXXXXXXX XXXX if not you you get to reply no and after 1 hourI get a call from scam by Wells Fargo customer service number and he told me he is calling me from Wells Fargo office and he asked me if I am trying to send money and I said no he said ok dont worry I will assist you I said ok and he told me to read for him if I get verification code in my phone and I read for him and my money after I read my email was gone XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the reporting of late payments on my credit report. I believe that these late payments are inaccurately reflecting my payment history and adversely impacting my creditworthiness. I request that they investigate this matter promptly and remove the disputed late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Creditor : XX/XX/XXXXXXXX Account Number : XXXX Date Reported : XX/XX/2023 & XX/XX/2023 I assert the following reasons for disputing the accuracy of the reported late payments : 1. Error in Reporting : I have thoroughly reviewed my payment records and have found discrepancies between the reported late payments and the actual payments made. I have consistently made timely payments to XXXX XXXX and can provide documentation to support this. 

2. Good Payment History : Prior to the alleged late payments, my payment history with XXXX XXXX has been exemplary. It is highly unlikely that I would suddenly deviate from this pattern without any valid reason or notification. 

3. Request for Investigation : I request that they conduct a thorough investigation into the accuracy and verifiability of the reported late payments. This includes verifying the dates, amounts, and any associated fees or charges. I also request that they contact XXXX XXXX to confirm the validity of the reported late payments.
Product: Debt collection

Comenity Bank account ending in XXXX with XXXX  amount of {$640.00}. XXXX XXXX XXXX has the account XXXX in collections. I had no knowledge of this account. I have been receiving up tp XXXX or more calls per day. I also reported it under my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I received an alert that XXXX XXXX placed an account on my credit report. Original creditor XXXX XXXX XXXX. I have no account or balance with the orginal creditor. Nor have I heard from XXXX XXXX. I havent received a demand letter or anything. This is not my account. Its either a mistake or these charges are fraudulent. I want this removed from my credit report immediately. Ive tried to dispute online with Experian today, but I keep getting an error message. This is such an inconvenience. Also I tried calling Experian and it doesnt give an option to speak with a live representative. I should be able to dispute something on my credit report without going through a 3rd party.
Product: Credit card or prepaid card

I have a BJs Comenity Mastercard # XXXX. Comenity has been having system issues going on XXXX weeks. Initially their website was down for the first week but I could at least still use my charge card. Now their website is fixed but my card no longer works. When I attempt to call Comenity they will not let me talk to a service agent- they say nobody is available and call back later. They have a message on their website indicating that they still are working on it. Any suggestions on how to get my card working again?
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate credit reporting and violation of the U.S. Code 15 1681 by Experian. On XX/XX/2024, I sent a letter to Experian and XXXX XXXX  XXXX XXXX ( XXXX XXXX  XXXX ) disputing the presence of an erroneous account on my credit report. Despite the clear violation of federal law and my efforts to rectify this matter, the inaccurate information remains on my credit report with Experian. 

Under the Fair Credit Reporting Act ( FCRA ), specifically U.S. Code 15 1681, it is mandated that consumer reporting agencies ensure the accuracy of the information they report and investigate any disputed items in a timely manner. The presence of this inaccurate account on my credit report not only damages my creditworthiness but also violates my rights as a consumer protected under federal law. 

I have attached a copy of my valid identification, which includes my current address, along with a copy of my credit report highlighting the disputed item. Furthermore, I have already received confirmation from XXXX other credit bureaus that they have deleted the inaccurate account from my credit report, underscoring the clear error on Experian 's part. 

In accordance with the FCRA, I demand that Experian promptly investigate this matter and delete the inaccurate information from my credit report within 30 days. Failure to do so will result in legal action, including litigation and damages of {$1000.00} for this account. 

I expect a timely and satisfactory resolution to this matter. Your cooperation in resolving this issue is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis nexus has yet to remove both bankruptcies of my consumer report and it has been well over the FCRA investigation period which should have been 30 days now is going on two months. each time I call Lexis nexus they tell me a special unit is handing my case and they'll give me a call back and I still have yet to receive a call from them. my first initial dispute was back in XX/XX/2020 and I uploaded documents showing from the court house stating that they did not give lexis nexus any information regarding any bankruptcy of mines. this is a violation of 15 USC 1692 ( a ) infringement of the right to a consumers right to privacy. this is a result of identity theft, I have never signed any contact with lexis nexus and told them to report any information pertaining to my life which has been harmful to my reputation now pursuant to 15 USC 1681 ( a ) ( 2 ). I demand these bankruptcy to be deleted immediately because this is in fact in litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter o XX/XX/2022, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX