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

On XX/XX/2021 I requested an ACAT to transfer all of my publicly traded stocks, and cash from the brokerage Social Finance , Inc. DBA SoFi Invest to the brokerage XXXX XXXX XXXXn the amount of {$1900.00}. 
On XX/XX/2021 I received an email from SoFi Invest ( investsupport@sofi.com ) denying my request to transfer all of my stocks and cash out of SoFi with the following explanation : " Our Invest accounts must be funded for 60 days before an ACAT transfer out can be processed. '' On XX/XX/2021 I called Social Finance, Inc. at XXXX and spoke to a representative who explained to me that SoFi had denied my transfer in order to hold my stocks and cash for 60 days. I informed the representative that according to the SEC website that by law the ONLY reasons SoFi would be legally able to reject my ACAT transfer would be due to improper filing, or questions on share ownership. Neither of which apply to me. Therefore, I require SoFi to approve my ACAT and release my publicly traded stocks, and all cash ( less the {$75.00} transfer fee ) to the brokerage XXXX XXXX as requested. I alerted the representative that were the ACAT denial not reversed that I would be filing a complaint with you, the Consumer Financial Protection Bureau. 

I am filing this complaint in order to alert Social Finance , Inc. that they are willfully and knowingly breaking SEC regulations by denying my ACAT transfer out.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting wrong information about name and address
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting act Company, MY rights have been violated my rights. 15 U.S.C 1681 sect 602 A ( right to privacy ) & 604 A- consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ALSO REPORTING INFO INACCURATELY WITH DIFFERENT AGENCIES..LATE PAYMENTS DONT MATCH UP.
Product: Credit card or prepaid card

While enlisted in the XXXX XXXX, I was aboard the XXXX XXXX XXXX from XXXX and went on XXXX and was not able to access my account to make a few payments on time. The highest delinquency period was 120 days. However, Ive been making my payments on time and maintaining a current status since.
Product: Checking or savings account

we send out 3 checks to a vendor which was cashed thru somebody different than the vendor it was cashed by XXXX XXXX XXXXXXXX which they admitted it was fraud it is 6 weeks and havent heard anything yet no money was send back to my account in chase
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the account XXXX ( XXXX XXXX ) has violated my rights. 


15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period.
Product: Checking or savings account

Cant find a cd i opened from bank of america when i was XXXX it was supposed to be in there till XXXX cant find it i didnt cash it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX and XXXXn since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I'm not swayed that XXXX Credit Bureaus are efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on JPMCB CARD. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted.
Product: Payday loan, title loan, or personal loan

StateFarm bank told me that they would remove the late payments on the loan due to that we had paid the loan months in advance and we didnt know that it went into principal it was a misunderstanding and was told that they would remove the late payments from the credit bureau but still nothing
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 XXXX XXXXXXXX Account Number : XXXX and 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Columbia debt recovery XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX **Re : ** Account Number : XXXX Dear Columbia debt recovery I am writing regarding a debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), I am formally requesting that you validate this debt. Please provide the following information in writing : 1. The amount of the debt, including any fees or interest added.

2. The name and address of the original creditor.

3. Proof that you have the legal right to collect this debt, such as a copy of the signed agreement or contract.

4. A copy of any judgments, if applicable.

5. Verification that this debt belongs to me, including documentation such as a payment history or an itemized statement. 

In accordance with the FDCPA, I also request that you cease all collection activities, including phone calls and written communications, until you have provided proper validation of this debt. Please note that any attempt to collect this debt without validation will be considered a violation of the FDCPA. 

Thank you for your cooperation, and I look forward to your timely response. Please send all correspondence regarding this matter to the address listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a 1099-C cancellation of debt but still getting request from debt collector requesting money.
Product: Mortgage

This is my third CFPB complaint for the same issue. I can not get through to a Truist representative by phone and Truist will not return my calls when I've left several voicemails. 2nd complaint : XXXX. 1st complaint XXXX. I have had my mortgage with Truist since XX/XX/XXXX. The first 4 months I couldnt make payments on line because the phone # they had for me was incorrect so every time I tried to reset my password it would go to their customer service XXXX number because that was what was input during the botched data base merger when they merged SunTrust and BB & T. I had to go into the local branch in down town XXXX to get it straightened out. The manager XXXX XXXX helped me fix the online issues ( I thought ) and helped make a payment of {$1100.00} and {$200.00} additional on XX/XX/XXXX. The only thing that posted to my account was the payment on principle of {$200.00} I received an email XX/XX/XXXX that my XXXX payment was past due. I want my XXXX payment to reflect that it was paid on XX/XX/XXXX. I havent been able to resolve this issue through Truists customer service. Ive called numerous times and have been told I will be called back and no one ever calls me back.
Product: Mortgage

When I purchased my home at XXXX XXXX XXXX in XXXX XXXX XXXX Florida XXXX, I always made my payments on time. I never missed a payment. I have been with XXXX and XXXX XXXX XXXX XXXX. Now with Rushmore Loan Managment it seems they are always saying I missed a payment or after a payment has been paid, they raise my mortgage. On XX/XX/XXXX, XXXXRushmore claimed that I owe them two months past due, so I paid Rushmore with a cashier 's check in the amount of {$1000.00} and I do have the copy of the check. I paid this knowing I did not owe them anything, but talking to any representative is very hard. The mortgage started in the amount of {$520.00} due to a loan modification. In the year XXXX. Through then and now the mortgage has been changed seven times. I do not understand. why is this happening.? I am tax exempt being disabled and my home insurance is not high. My taxes are exempt. Every time I try to talk to a represented at Rushmore, they become very rude and will not listen, no matter who I talk to. Almost every month the amount owed changes, After I contacted the XXXX XXXX XXXX Rushmore sends me a letter on XXXX stating that they are reviewing my inquiry to the XXXX. This is not the first time Rushmore has reviewed. Now they are threatening to take my home away. I would love to know after 16 years of paying my mortgage where is the money, I should be owing XXXX the amount of purchase. Could you please help myself and my son and daughter. Thank you XXXX XXXX
Product: Checking or savings account

I joined Ally 's payback promotion in XX/XX/XXXX and I had confirmed with several representative that I would be eligible to get the full {$1000.00} bonus if I make {$100000.00} deposit into the account after I enrolled into the promotion. It would not matter if I withdraw any money before the enrollment. However, I only received {$660.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that these address be remove from my credit file they are not mine. I need a copy of my FULL Lexis Lexis, XXXX, XXXX, XXXX XXXX. Please remvoe the following addresses : 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: Checking or savings account

I was on a work conference in XXXX XXXX XXXX, California at the XXXX XXXX  XXXX XXXX XXXX XXXX ( from here on referred to as " the resort '' ). I stayed for 4 nights but my room was paid for by my job. My only responsibility was to provide a maximum of a {$100.00} / day room deposit. At the end of my stay the only amount on hold was near {$270.00}. When I left it was about XXXX XXXX, so I did an express checkout, leaving the key in the drop box. I assumed my receipt would be e-mailed to me since as part of my check in they requested my email address. It was never emailed to me. 

Two days later my deposit was returned to me. However, today I received a notification stating that my account had been overdrawn to a balance of - {$520.00} and the reason was that XXXX XXXX XXXX had placed a {$820.00} charge on my card. I called the resort however I am overseas so while I was able to speak to a receptionist I was not able to get in touch with the finance department because they did not open XXXX XXXX. I had a member from my family who is still in the country continue to call the resort on my behalf. His first attempt the call did not go through. His second attempt after XXXX he was told he could leave a voicemail. He told them he did not want to leave a voice message he wanted to talk to a live representative. They transferred him, and the phone rang through to voicemail. He left his information. He called back two more times to no avail. We still have not been able to contact the resort 's finance department. We have been calling almost every half hour now since XXXX XXXX  and still have not reached XXXX, the person in the finance department. 

My complaint is based on the following issues : 1. There was no physical damage to my room that would warrant the resort keeping my deposit.

2. The hotel staff stated that the hold would be for {$100.00} a day so the maximum that should have been charged to my card is {$400.00}.

3. I was never provided with a receipt even though the resort has the means to provide me with one.

4. The resort seems lax and even non attentive to the issue at hand and seems to be avoiding contact.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and have been in the process of trying to get my consumer report clear from everything that was added due to me being involved in several data breaches and haven my identity stolen. The below mentioned account does not belong to me XXXX XXXX XXXX account # XXXX balance of {$42000.00} XXXX XXXX account # XXXX  Balance of {$18000.00} Dept of ED/XXXX account # XXXX Balance of {$13000.00} Dept of EDXXXX XXXX account # XXXX of {$8700.00}
Product: Credit reporting, credit repair services, 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 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and and consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

The Chapter XXXX Bankruptcy is not accurate some of the things that are reporting is not correct. This inaccurate reporting is causing issues with my credit. I have been sending them information since last year on this matter. I have documents to support my argument.
Product: Credit reporting or other personal consumer reports

In accordance with the **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681c-2 ( Section 605B ) **, on XX/XX/XXXX, I requested both Transunion and XXXX block and remove fraudulent inquiries from my credit report. Under this provision, credit reporting agencies are required to block information resulting from identity theft within four business days. **Unauthorized Hard Inquiries : ** The following hard inquiries were not authorized by me and are a result of fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, under the XXXXTexas Business and Commerce Code 20.034**, as a resident of Texas, I am entitled to have all fraudulent information resulting from identity theft removed from my credit report. This statute mandates that consumer reporting agencies must reinvestigate disputed information and delete any items found to be inaccurate due to identity theft. I provided via certified mail : - Copy of my Government-Issued Photo ID** - Proof of Current Address** ( e.g., utility bill, bank statement ) - Copy of Police Report** ( Identity Theft Report )
Product: Mortgage

Update ReportXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDear CFPB and Mr. President ObamaI have sent a complaint to server officials and received the same response from ASC every time. My mortgage Company ( ASC ) has sent the same papers repeatedly to you. The questions that were asked were never answered. 

1.Was I a victim of Predatory Lending? 

2.Was and am I being treated fairly? 

Those questions were avoided, with a hold lot of papers, on this is how the loan was given to ASC. Does anyone check into these situations to find out the truth or do we just bury it in more paper. I was referring to the XXXX loan. Not the collection agency/ mortgage company ( ASC ). I was expecting an answer. I do not have anymore money for a lawyer. They messed me up in papers too. My sister is on SSI. Since I made the complaint in XX/XX/XXXX. I have been sending papers to ASC to get this modification. Papers to prove my income, my sisters and my nephew income. The last paper ASC requested was a letter explaining what the abbreviation ( Allot ) on a pay stub meant, It 's allotment. I was promise a lower payment, not a lower interest on the same money. They would n't even refinance. That is why I need to know after 8 years of payments, if this loan was a loan that they anticipated to fail, and with all our saving with it. 

On XX/XX/XXXX, I was told that the modification was denied due to the fact that our loan only accepts XXXX modification pure loan. I asked why did they put me through 8 months of paper work to say that. Requesting all that paper work for what. XXXX XXXX XXXX said that we could reinstate our mortgage, put what I owe on the back of the mortgage, and start paying it. XXXX XXXX XXXX ( my worker ) told me that I have to pay {$50000.00} to reinstate my mortgage. I have to do a short sale or deed of lieu or just foreclose. XXXX XXXX stated that I ca n't be helped. I do n't qualify for none of the government loans or programs. I want to keep my home. This all started when the roof needed repairs and they refused, due to my one-month late mortgage. It does n't seem fair for a company to mislead you and leave you homeless after 9 years of payment and harassment. If there is anything else that I can do please let me know. 



Thank You for all you tried to do. 
If there is anything more let me know XXXX XXXX XXXX
Product: Debt collection

On or about XXXX through XX/XX/2015 I experienced some hardship to my finances do to divorce and helping my mother out due to her losing her job and only source of income therefore all of my credit obligations were defaulted on. During these time I received false threats, from Navy Federal, legal action and wage garnishment. In addition to that false threats to contact my commanding officers as a tactic to pressure me to repay. Also Navy Federal misinterpreted credit consequences of falling behind on all my loans and credit card obligations. Then Illegally froze access to my accounts which enabled me to try to satisfy any other debts that occurred during that time frame. The accounts in question are as follows : Navy Federal Credit Card : Charged off XXXX Navy Federal unsecured Loan : Charged Off : XXXX Navy Federal unsecured Loan : Charged Off : XXXX Prior to the above financial mishaps I had no trouble with paying satisfactory on my financial obligations. There should have been no reason as to why they couldnt offer me repayment plans to help me fix the issue or contact me to explain what I need to do to straighten this out. I know its already 5 years but the route they took with me was unexceptionable and needs to be handled accordingly.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am reaching out to seek your intervention regarding ongoing issues with Bank of America that exemplify unprofessional behavior. I have experienced multiple instances of inadequate customer service and a lack of accountability on the part of the bank. My most recent encounter, which transpired on Saturday, XX/XX/XXXX, illustrates the difficulty consumers face in resolving disputes with Bank of America. 

On the aforementioned date, at approximately XXXXXXXX XXXX, I received an SMS alert from Bank of America notifying me that my credit card was being used. The message prompted me to reply YES or NO to confirm whether I authorized the transaction. As I had not used the card and am currently in the process of paying it off, I immediately replied NO to the alert. The bank responded by shutting down the card and advised me to report any unauthorized transactions, which I promptly did. 

Despite following the protocol and clearly indicating that I did not authorize the transaction, Bank of America proceeded to authorize it, charging my account. Consequently, I initiated a dispute over the unauthorized transaction on the same day, XX/XX/XXXX. Unfortunately, I did not receive any further communication about the issue until yesterday, XX/XX/XXXX, when I was informed via email that the investigation was still ongoing and that no further action was required on my part at that time. 

To my dismay, upon checking the Bank of America app, I discovered that the unauthorized transaction had been posted to my account without any explanation. Furthermore, the status of my dispute case now appears as closed, leading me to suspect that Bank of America may have closed the case prematurely to avoid exceeding the regulatory timeline.

Given the complexities and the apparent disregard for consumer rights demonstrated by Bank of America, I believe that the involvement of the Consumer Financial Protection Bureau is necessary. I respectfully request your assistance in this matter to ensure a resolute and fair resolution of the case, protecting my financial interests and the interests of other consumers who might face similar challenges. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX