23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am concerns with the handling of my fraud claim by SoFi Bank N.A., concerning fraudulent transactions that occurred on my credit card in the amount of {$1200.00}. Despite my efforts to resolve this issue directly with SoFi, I have encountered a lack of cooperation and due diligence on their part, resulting in a denial of my claim without providing substantial evidence or proper investigation. I noticed unauthorized transactions on my SoFi credit card on XX/XX/year> and promptly reported them to SoFi, as per the requirements to limit my liability for fraudulent charges.Following my report, SoFi conducted an investigation into the matter. However, I was not presented with any documentation or detailed explanation of their investigative process. SoFi concluded that no fraud had occurred and subsequently denied my fraud claim, thereby holding me accountable for the disputed charges.The response from SoFi Bank is unacceptable and does not align with the legal protections afforded to consumers under federal law. As a consumer, I am protected by the Fair Credit Billing Act ( FCBA ), which limits my liability for unauthorized credit card charges to {$50.00} when I report the fraud in a timely manner. Additionally, the Electronic Fund Transfer Act ( EFTA ) provides protection against fraudulent transactions for consumers who report unauthorized electronic fund transfers within specific timeframes. By denying my claim without due cause or evidence, SoFi Bank N.A. appears to be in violation of these federal laws that are designed to protect consumers like myself from fraud and unauthorized transactions.

I request that the CFPB take the following actions : 1. Conduct a thorough and independent investigation into the handling of my fraud claim by SoFi Bank N.A., including their investigation methods and the justification for their conclusion to deny the claim.

2. Ensure that SoFi Bank N.A. complies with all federal laws and regulations pertaining to fraudulent transactions, including the FCBA and EFTA.

3. Require SoFi Bank N.A. to provide a detailed report of their investigation into the fraudulent transactions reported, including any evidence that led to their determination.

4. Instruct SoFi Bank N.A. to re-evaluate my fraud claim with the consideration of all available evidence and in compliance with consumer protection laws.

5. If SoFi 's investigation is found lacking or non-compliant, mandate corrective action, including crediting back the fraudulent charges to my account and any associated fees.

I am adamant in my position that I should not be held liable for fraudulent transactions that I did not authorize and that were out of my control. The burden of proof should not rest on the consumer in such cases, especially when timely reporting and cooperation have been duly observed.
Product: Credit card or prepaid card

My complaint is against Sam 's club they have sold my account to a collection agency XXXX XXXX I can not get information on how I owe this balance of XXXX called Sam 's club no info XXXX XXXX is threatening and this account is time barred for 7 years since last payment on XXXX all phone numbers for XXXX XXXX are not reachable I made payment arrangement but they never sent me confirmation or any paperwork stopped payment on check because they may be a scam but because of nj statue of limitations law they can not sue me I spoke to someone from XXXX XXXX on XXXX XXXX XXXX can not reach anyone after
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my credit report from XXXX. on XX/XX/2021. I did not apply for any credit and. would like this removed. I have been a victim of XXXX  and XXXX. 

XXXX XXXX
Product: Debt collection

The last correspondence I sent Pinnacle dated XX/XX/2014 ( see attached ) pertained to a demand for validation, which they ignored and failed to provide me validation of the account and at the same time persevered with reporting the account on my credit report as a valid account. I sent this company another demand letter dated XX/XX/2014 ( see attached ) which they ignored again. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
Product: Credit card or prepaid card

on XX/XX/XXXX the company claim to have sent me a refund check for XXXX $ I never receive that check since then they keep asking to wait that something will arrive. They proceed to close my account without any balance of negatives just to not refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted this complaint multiple times and will continue to do so until resolved by you and them. The account is joint with my husband and hence we SHOULD reflect the same information on ALL credit bureaus reporting agencies and both of our accounts. The issue remains that XXXX was required to close the account due to the LAW and noted it was closed by us because THEY had a security hold on the item we borrowed against. That precluded our gaining a mortgage acceptance along with the incorrect credit reporting severely handicapped our ability to refinance our debts. We remain with very low FICA scores.
Product: Checking or savings account

Capital one has not given me my paycheck. Problems with direct deposit.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX : {$250.00}, XXXX XXXX XX/XX/year>, XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Im filing a Legal and Ethics Complaint against XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, TX. XXXX. ( XXXX ) XXXX. & XXXX XXXX XXXX XXXX XXXX XXXX XXXX of TX XXXX. XXXX, TX. XXXX. ( XXXX ) XXXX, ( XXXX  ) XXXX. & Transworld Systems Inc. XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, PA. XXXX. ( XXXX ) XXXX, for falsey, illegally filing a collection claim against me for nonpayment of rent, moving before my lease contract ended. XXXX XXXX XXXX XXXX denied me the right to correct the false allegations before sending the claim straight to the collection agency. There was no contact during or after my move from their property on XXXX XXXX, 2020. Thats the date I moved out in accordance to the end date on my lease contract, even though I was being threatened and stalked by a violent, dangerous male tenant on their property. I had to stay in that dangerous situation because XXXX XXXX wouldnt allow me to move under the Violence Against Women Act, there reason was because they didnt cause the problem. I have all the documents and emails to prove that the collection claim that XXXX XXXX XXXX XXXX filed against me was fraudulent. Im requesting information on how I can proceed with the complaint so that I may be able to get the removal of the claim from my credit report, because that has caused me irreparable financial damage.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I applied for a credit extension or credit product at XXXX XXXX through Synchrony Bank ( servicer ). Unfortunately I got denied the same day by the issuer Synchrony Bank. Synchrony Bank then said on the immediate denial that they were unable to approve your application at this time and that I will receive a written notification in the mail within 7 to 10 business days regarding your application decision. On or about XX/XX/year> an adverse letter or denial letter was delivered to XXXX XXXX, and accepted for honor in my Attorney-in-fact capacity acting as my own attorney on XX/XX/year>. On XX/XX/year> I sent out a reconsideration letter or response letter and enclosed a durable power of attorney for financial management for XXXX XXXX for them to add to the account. I even gave Synchrony Bank 10 business days to correct this matter at hand. Synchrony Bank had not responded to my concerns regarding the principal XXXX XXXX financial asset or collateral security. Synchrony Bank adverse letter or denial violated the principal 's consumer right to credit, right to be heard, Equal Credit Opportunity Act, specifically under 1002.2 ( c ) ( 1 ) ( i ). 
Synchrony Bank is acting with its own discretion of which that violates Federal Reserve Act Section 16 Note Issues ( 1 ). Synchrony Bank intended to act with discretion regarding the issue of Federal Reserve Notes within XXXX XXXX or individual account. " Federal reserve notes to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized. '' Synchrony Bank is a fictitious entity or non existing entity that willingly disregarded the rules concerning extensions of credit or 12 CFR 1002.7 ( a ) and the rules concerning evaluation of applications or 12 CFR 1002.6 ( a ) and ( 6 ) ( ii ). In Synchrony Bank denial letter, it stated on paper that they used a Credit Scoring system to evaluate your request. But XXXX XXXX XXXX report is NOT accurate and does not accurately reflect the applicant 's creditworthiness. The principal have the right to credit, consumer rights protected by the Equal Credit Opportunity Act. Synchrony Bank is the ONLY one that has benefitted from the consumer credit transaction on XX/XX/year>. Synchrony Bank is set to receive an advance from the Federal Reserve Bank on the individual promissory note within 90 days of the note. See Federal Reserve Act Section 13 part 13. The principal have not benefited from doing business with Synchrony Bank in any way. 

Note : That a copy of my reconsideration or response letter was sent to the Bureau of Consumer Financial Protection under Certified Mail. 

Therefore, withholding my access to the principal securities is securities fraud, unauthorized use of the principal credit card and Identity Theft.
Product: Debt collection

XXXX XXXX XXXX XXXX put a collection on my credit. I sent a request to them asking to verify the account. This has been going on for four months. I have sent several requests. They never sent anything yet they continue to put this on my credit. XXXX XXXX is not licensed or bonded to collect in my state. They are in violation of the Texas Finance Code Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 
They are also in violation of the FDCPA
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I accepted a payment of {$860.00} from our customer through a XXXX XXXX terminal, using my XXXX XXXX as a hotspot. The payment was credited normally and the money transferred to our bank account. On XXXX XXXX, I noticed that my XXXX  showed that my Goldman Sachs card had recorded a purchase of {$860.00} on XXXX XXXX, and the merchant listed was our own company. I initiated a dispute, XXXX, that same day, by chat in XXXX, and forwarded a copy of our XXXX statement as documentation. I was told that a dispute would be opened with the merchant, XXXX XXXX XXXX XXXX. Our own business name is XXXX 's. We were not contacted about this, as the merchant. They believe that we are the buyer as well as the seller, however they have not properly investigated this or they would see the absurdity of it. 

On XX/XX/XXXX XXXX requested more information by XX/XX/XXXX. I replied by email that same day, explaining what happened, and why the charge was in error, again including our XXXX documentation. On XX/XX/XXXX I received an email that the dispute XXXX, was not resolved in our favor. The {$860.00} was again added to our billing statement in XXXX. The explanation given was " The evidence received shows that no credit is due because you agreed to the merchants terms and condition at the time of purchase ''. But we made no such purchase, and we are the supposed merchant! 

I submitted a new dispute on XX/XX/XXXX, XXXX, in a recorded phone call and received acknowledgement on XX/XX/XXXX, and a request for more information came on XX/XX/XXXX. I mailed a lengthy reply with documentation by XXXX to the address indicated, XXXX XXXX, XXXX, PA, but it was returned almost two months later as " undeliverable ''. I then re-mailed it to Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. It was delivered to them on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I received an email that the dispute was not resolved in our favor. 

I then disputed it again, XXXX, on Sunday, XX/XX/XXXX and mailed by XXXX certified mail a detailed letter and documentation. I included as before a copy of our PA sales tax license, our home improvement contractor 's PA license, Transaction details from the XXXX payment of XX/XX/XXXX XXXX receipt showing the last XXXX digits of our customers XXXX payment dated XX/XX/XXXX Copy of our invoice XXXX to our customer that was paid, documenting the amount Photocopy of the front and back of our XXXX terminal I have no confidence that this third dispute will be resolved in our favor, and I have contacted a local attorney to represent us against Goldman Sachs.
Product: Payday loan, title loan, or personal loan

In late XXXX, there were three charges to my bank account for almost {$400.00} each. All three charges were the same exact amount. The charges said, " XXXX '' which I XXXX  and found to be a company called MoneyLion. XXXX refunded the fees and sent me a new debit card, so I thought that was the end of it. On XX/XX/XXXX, I received a credit card with my name on it from MoneyLion. I contacted them to say that I had not applied for a credit card with them and that this must be related to the charges to my bank account. They assured me that I just needed to cut up the card and I would be all set. They also asked me to speak to their fraud department, which I did. When the fraud department asked for the phone number associated with my account, I gave them my phone number and they said that was not the correct number. Of course it wasn't - because I did not open the account. They would not give me the phone number that had been used. Anyway, I filed a report with their fraud department that day. On XX/XX/XXXX, I received a letter from them letting me know that they determined that I HAD opened the account with them and that they were closing their investigation. They included a copy of my " application '' which simply contained an electronic signature with my name. I have been contacting them almost weekly since receiving this e-mail and they keep saying the same thing : I'm sorry, there's nothing we can do. Well, today, I received an alert that there was a change to my credit report. There is a delinquency from MoneyLion. I am in the process of buying a house - or I WAS. Now I am in the process of trying to get this off of my credit report.
Product: Checking or savings account

My cell phone and wallet were stolen from me on XX/XX/2023. The criminals were able to gain access to everything in my phone which included my USAA banking application. After calling USAA, letting them know that a crime happened and they needed to put a hold on all credit and debit transactions, the criminals were able to keep using my account information.
Product: Credit reporting

I applied for a Mortgage with XXXX. They ran my credit through CoreLogic Credo. I contacted them to dispute and update information on my file. Of which they are a third party to the credit agencies. I requested the the Account Name listed on there report as Unknown be removed. The original creditor of which showed XXXX Cable had know such account for me $XXXX bucks.  Core Logic contacted me by email indicating that my dispute was ready to view. The $XXXX bucks still reflects unpaid. So I called Core Logic and they indicated it came back as a XXXX bill from XXXX and gave me the number to XXXX to dispute. I called, I spoke to a gentlemen in the dispute dept. So now I have to start this process all over. He stated that this $XXXX is from XXXX. I once again explained the dilemma and he stated it hasn't been reported as a dispute. So today I have submitted another dispute with now XXXX of which could take another 30 days. For a company reporting on my report as "Unknown" collection agency. representing XXXX of which I do not have any outstanding balances with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a hard inquiry on my credit from a company called Credit Plus which i had to XXXX them to find out that they were a mortgage company. I never gave them authorization to do a credit check and I don't even know this company. I have never contacted them or asked them for anything.
Product: Debt collection

I recently ordered copies of my credit report and discovered numerous accounts that do not belong to me. Which means that I am not the one who opened these accounts and I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I recently noticed in my credit report that my personal information ( specifically my address : is incorrect on my credit report. I have submitted requests on multiple occasions, and I have not received any documentation regarding this matter. Credit reports are supposed to be 100 % accurate. Can you please assist in making sure that the correct information is on my credit report.
Product: Mortgage

On XX/XX/XXXX I refinanced my VA Loan. XX/XX/XXXX I received my XXXX XXXX   XXXX rating, with final notification in XXXX. I informed XXXX VA tax office and I received a property tax exemption letter dated XX/XX/XXXX from XXXX Dept of Finance Revenue Division saying that I was exempt from property tax retroactive to XX/XX/XXXX, and any taxes paid would be refunded. The Treasury Dept promptly refunded my 4th quarter taxes ( XXXX, XXXX, XX/XX/XXXX ). I informed Lakeview Loan Servicing LLC on XX/XX/XXXX and uploaded the exemption letter. I followed up with an email on XX/XX/XXXX and received an automated response. On XX/XX/XXXX I emailed again and uploaded the exemption letter again. I received a new escrow analysis from XX/XX/XXXX that actually increased my escrow and did not acknowledge the tax free status. On XX/XX/XXXX, customer service re-initiated my " ticket ''. On XX/XX/XXXX, Lakeview Loan Servicing received my certified letter explaining the deficiency, and outlining the proper escrow analysis for XXXX taxes. On XX/XX/XXXX, Lakeview Loan Servicing produced another identical escrow analysis ignoring the tax exemption. I have had multiple phone calls and sent a notarized return receipt certified complaint on XX/XX/XXXX, received on XX/XX/XXXX. Lakeview Loan Servicing continues to bill for an escrow account that is now three times the maximum allowed by law and over {$4000.00} in surplus because they refuse to adjust the analysis for the KNOWN tax exemption. This equates to over {$1000.00} per month of excessive billing. My escrow account has ~ {$6100.00} now, with annual disbursements of only ~ {$1600.00}. All my payments are made on time. Lakeview Loan Servicing changes their story repeatedly, has told me a new analysis would be done on XX/XX/XXXX, XX/XX/XXXX, then XX/XX/XXXX and never completed the appropriate work. Their final claim was that the city website showed taxes from XXXX so they had to use that and could not use the exemption letter FROM THE TAXING AUTHORITY??
Product: Debt collection

National Credit System sent me an email on XXXX stating that I owe them {$9800.00} for XXXX XXXXXXXX XXXX 

I have responded back to them saying " I have emailed this company before on XX/XX/XXXX with my police report, drivers license, and mortgage bill. Again, I am a victim of an identity theft. Please confirm that you have received this email and that this case will be closed ''. 

I received a second email from them on XXXX stating " Be advised that National Credit Systems , Inc. has been authorized by its client, XXXX XXXX XXXX, to extend a special offering to resolve the above referenced account at a fraction of the balance owed. You may satisfy your account in full for **40.00 % ** of the balance. This proposal is valid as of the time of receipt of this letter until XX/XX/XXXX, and we are not obligated to renew this offering ''. 

I responded back saying " I have already sent you my police report and said I'm a victim of identity theft. I'm including my lawyer XXXX in this email. Please have this case closed immediately. Please confirm that you received this email. 

National Credit System did not respond back to my email and reported negative collection with all 3 credit bureaus My lawyer has sent them 2 letters on XX/XX/XXXX and XX/XX/XXXX attaching my police report and Federal trade commission report. They did not respond to my lawyer. I have disputed this with all 3 credit bureaus, but National Credit System Verified it belong to me, even though my lawyer and I had reached out to them and said I'm a victim of identity theft.
Product: Mortgage

From XX/XX/XXXX XX/XX/XXXX, I was granted a forbearance plan as result of Hurricane Irma and have successfully completed a disaster relief loan modification. Just having reviewed the recent loan activity history shows that the previously suspended payments have been applied and loan is now current. However, on XX/XX/XXXX, principal was added back to the loan in the amount of {$1500.00}, and the maturity date was extended by 6 months from XX/XX/XXXX to XX/XX/XXXX. If the forbearance was only for 90 days, then I would only expect the loan to be extended by the same amount of time. 

The purpose of the letter is to obtain written clarification for how the {$1500.00} amount was determined, and full summary of the all amounts to be paid from this loan modification. Based on the updated amortization scheduled, I will end up paying an additional {$7500.00} for that 3 months of forbearance. Despite reaching out numerous times during this process, none of this has ever been satisfactorily explained