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

I received a check from the sale of a mutual fund from XXXX XXXX. I deposited this check following the mobile deposit directions given by the SoFi mobile app. XXXX days later my account was restricted citing that I was in violation of my user agreement. SoFi then listed that they could not deposit a check that was written to more than XXXX person, a credit card check, etc. I was not in violation. My account stayed restricted. I called 4 days later and the investigative team, which I was never allowed to speak to and never contacted me, wanted a phone number for the company issuing the check. I gave them the number on the check and asked why they needed this number from me when everyone knows what XXXX XXXX is? My account stayed restricted for XXXX weeks. I called XXXX XXXX. No one ever tried to verify the check. They informed me that it is illegal for a bank to keep a valid check restricted for more than 5 days, and they suspected something was wrong and put a stop payment on the check. The system came back clear. No one had tried to cash it. I called SoFi and the investigative team said they did not need anything else from me, that my account was still under investigation and was now in danger of being closed, and IF I was due any money back they would send me a check in the mail. I called SoFi the next day to close my account and was told I couldn't close it because my account was restricted. XXXX minutes after hanging up with customer service, I received an email from SoFi stating that my account had been closed. I filed a complaint with the Federal Reserve. An hour later, I received XXXX emails from Sofi. The first stating that accounts get restricted and they are sorry for the inconvenience. The second asking me to do nothing, they were filing a complaint on my behalf. I tried to deposit the amount of {$6200.00} through the SoFi mobile app on XX/XX/year>. On XX/XX/XXXX my account with SoFi Bank was restricted and stayed that way until XX/XX/XXXX when the account was closed. My goal in this complaint is to make sure no one else has to go through this, and to have the actions of SoFi investigated.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a card with AMEX under the Platinum services. The agreement was that me, the customer, was to spend {$5000.00} within the first 3 months and if that is accomplished I would receive XXXX membership rewards points. On XX/XX/XXXX I called AMEX to downgrade my card because I wouldn't be using it for its purposes. In doing so, my rewards were downgraded as well. Thus it was agreed over a phone conversation that I would need to spend {$4000.00} in order to achieve XXXX points. Today, XX/XX/XXXX I have not seen any points updated on my account to reflect what I have already spent. As of today I have spent over {$4200.00}, of which has been paid in full and on time and include {$550.00} in annual fees, and only have XXXX points. I have contacted AMEX on XX/XX/XXXX and XX/XX/XXXX. There has been an escalation with XXXX ' attached for reference. I have also since called and online chatted with customer service representatives who give me different answers as to when my situation will be resolved. Some say within a day and others say 6-8 weeks. My concern is that my time period of 3 months will be up and therefore I won't receive anything at all. I have been a customer with AMEX since XXXX and have always paid my balances in full and on time. I feel slighted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$13000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Vehicle loan or lease

In XX/XX/2020, I financed a XXXX XXXX for a total cost of {$31000.00} without having my rights fully disclosed to me. I was unaware that the finance charge is the sum of all charges including gap and warranties ( 15 USC 1605 ). There has also been multiple violations such as, but are not limited to, high apr, false mileage, misleading information like stating that the gap and warranty comes with the vehicle as if there was no way for me to opt out but turns out that I could have, falsely advertising XXXX down and low credit but obtained a down payment from me, not all documents states Sport, insurance was provided by the dealership however not stated within the contract. 

On the Gap and Warranty page, the odometer is written as XXXX, however on other pages, it is XXXX The APR within the contract is XXXX, which is too high in Florida. It should not be above 18 % Pursuant to XXXX Usurious contracts Finance charge - {$13000.00} Amount financed- {$16000.00} Total of payments- {$29000.00} Total sale price - {$31000.00}
Product: Consumer Loan

I hired a law firm in XXXX 2013 because XXXX was going outside the parameters of their contract and was committing deceptive trade. The supporting documentation is attached that I have tried to work with XXXX and my attorney has also tried to work with XXXX to correct the issues they are reporting. Essentially XXXX has a glitch in their website and they are not processing payments in a timely fashion and then reporting them as past due although the payments are made prior to being 30 days over the due date.
Product: Credit reporting or other personal consumer reports

What happened is that i was trying to buy a house and i realize that there is damages on my credit report. According to the 15 USC 1681 law, there should not be any damages on my credit report. It is a defamation to my character.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-102.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination documentation according to 1022.142 ( b ) ( 6 ). 

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Early Warning for myself, XXXX XXXX XXXX last XXXX of social security number is XXXX, date of birth XX/XX/XXXX. Please delete the following information and accounts. 
NAME : XXXX XXXX XXXX, XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX TX XXXX Phone number : XXXX Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXXXXXX ( Incident Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX  : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX  ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following accounts in question. I am a victim of identity theft and I dont recognize these accounts on my report. I am requesting the following information be deleted from my Early Warnings Consumer report immediately. Ive attached a copy of the report to this request. 

Thank you for your assistance. 

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

my job just got a report back from you guys showing a crime i committed that was way over 7 years ago and they fired me
Product: Debt collection

I have a letter stating that I do not owe a debt to this company or property.This letter was given to me through the property owner signed and dated that I have a XXXX balance due with XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX
Product: Debt collection

For the past several months, I have been disputing this inaccuracies that are Listed in my credit report I have written three letters to the credit bureaus ( XXXX and XXXX ) in which I requested these inaccuracies be removed. Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies is as : XXXX, ACC # XXXX. I also contact comcast for the balance I had pay them before which was {$460.00} different than the one they reporting???
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with Affirm on multiple occasions, I have financed several items through affirm and paid all in full. Affirm has reported many late reports to XXXX despite the payment dates being inaccurate. I have paid all accounts in full and have given affirm documentation showing the inaccuracies. I am needing help to remove the many negative reports from XXXX company that advertises to consumers that they do not have late penalties yet report despite accounts being paid. 

Rocket mortgage ran a hard credit pull in XXXXXXXX XXXX 2023 and in XXXX and XXXX in XXXXXXXXXXXX XXXX  2023 without my consent and then gave my information to another company. I have attached documentation of this. I have asked the hard pull to be removed and am not being helped with this and need to have it removed to be able to purchase a home for my family. 

I specifically asked XXXXXXXX XXXX NOT to do this and still it happened. The company will not work with me to make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to TransUnion was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
US DEPT ED XXXX Balance : {$3000.00} US DEPT ED XXXX Balance : {$39000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4 This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6 This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I called IC System at XXXX about my account and requested a written debt validation letter from them two different times and while on the phone both people told me they do not have to do that and they refused to send me one. I need that asap and they will not work with me. They were extremely rude and would not listen to me when I explained that this was not my debt and by law they are required to send me a written debt validation letter. Then they hung up on me.
Product: Vehicle loan or lease

I had a vehicle financed. I had an accident. The vehicle was totalled. My primary insurance paid their share of their claim to the finance company within 30 days. I carried GAP insurance. It took them almost 4 months to pay their share of the claim to my finance company. There was a small balance that I was responsible for. A  fter contacting the finance company after receiving a bill for a balance due on the account, I promptly paid the balance. The account was finally closed with a zero balance. The next thing I know I get a letter from GM FINANCIAL stating that the account indeed had been paid and has a   XXXX   balance. Then they added a remark that my account was charged off even with a   XXXX   balance. The statement CHARGED OFF, currently on my credit report needs to be removed immediately. I have been denied a car loan and a mortgage as a result of their error. Once again, it must be corrected or my credit score wo n't improve at all.
HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, has violated my rights. 
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
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I authorize you to take steps to correct my credit and send me physical proof of your actions.The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) ( XXXX ) - XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( Original Creditor XXXX XXXXXXXX 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

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : 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 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: Debt collection

I recently examined my credit report and found several accounts that I do not recognize and believe were added mistakenly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found all the inaccurate items that did not belong to me. 

CREDITOR : NATIONAL CREDIT SYSTEMS Account # : XXXX I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debt and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested then I would like to have this item permanently taken off of my credit report immediately ( per my rights under the Fair Credit Reporting Act ).
Product: Mortgage

My mortgage company, Ocwen, does not pay all taxes due from my escrow account. I have to pay these taxes additionally as well as in my escrow yearly estimation. They often pay late ( XXXX or XXXX ) and charge my escrow the penalties and interest as well as lose money in the account. I have relentlessly called, and mailed them request for refunds along with tax receipts, for a year now. The have openly acknowledged they did not pay, but do not know where the funds are and keep asking I give them more time. They are now wanting to charge me {$1200.00}. in escrow by owe me {$7800.00}. I can not afford this increase and will lose my home.
Product: Checking or savings account

I opened a checking account with Midfirst after receiving an emailed advertisement that said that if I did so I would get XXXX after completing certain activity on the account. I used XXXX more than XXXX  times and had XXXX debit card transactions like the terms stated but have not received the XXXX bonus. Please correct this issue by applying the XXXX bonus to my account.
Product: Debt collection

Date Opened XX/XX/year> Amount Ability Recovery {$1200.00} Called the company and explained that I feel short making payments due to me having to take care of aunt who found out she has XXXX XXXX, I've explained to them, only for them to show no empathy or compassion in regards to me needing this removed, as well as me explaining to them I wasn't even XXXX of the way finished, it's really hard when you feel as if it's harder for you because your a XXXX man in America trying to do the right thing.