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

I have been unemployed since XX/XX/XXXX and had applied for unemployment which was approved but ran into several hurdles before finally appealing and having that be successful. That happened on XXXX. This morning I checked and saw that the XXXX XXXX XXXX direct deposited XXXX into my SoFi checking account. I had been checking the SoFi app every day and even had an 8 day streak. I was doing this in hopes that Id get some money between now and when I was fired illegally ( XXXX XXXX  ). The last time money was in that account was may when my former employer sent my sabbatical payout but aside from that I have nothing. The account was dormant since then, over drafted but nothing was happening otherwise. 

I checked this morning to see if my XXXX  payment was delivered to be met with no account, as if I never signed up for it. It was just gone. 

Went to their chat support and the message stated that it was temporarily restricted and gave me a number to call. When I called I got someone from XXXX who couldnt have cared less. They stonewalled me with my questions and kept putting me on hold to find a manager but conveniently couldnt find find one. Then they said that the account was permanently closed and wouldnt give me any info. 

There was no email prior, no notice. It I highly suspicious that they would close it the very same day I got my UBI so I believe they stole my money and I wont see a cent of it for months, if at all. 


The only reason I have SoFi is because I signed up under a XXXX offer back in XX/XX/XXXX and have been in good standing with them prior to being fired illegally.. I primarily used the account for my entertainment budget which consisted of sweepstakes games and other things related to entertainment. I can verify where all these payments came from and where they went. But like I said once my former employer fired me illegally their direct deposit stopped and thus the account went dormant. Once if I got some money it was going to that account. It is my payout account for many sweepstakes sites but that well dried up too. 

XXXX was a horrid year financially for me and XXXX does not seem to be doing great either. Ive been struggling to keep it together since my XXXX XXXX  got worse and I never can get ahead to get it corrected. This is just another barrier in my way and Im so tired of fighting. 

Please help me! Im going to be calling XXXX in hopes they have not sent the funds yet to the bank but SoFi tends to deposit same day so i may be out of luck, but even tbey should not be doing this to people.
Product: Bank account or service

I made a bill payment using TD Bank 's Online Banking bill payment feature for the first time. The bill was to be paid on XXXX XXXX, 2015 and the payee was a XXXX Credit Card. The day after the bill was to be paid, the payment was shown as 'paid ' in the Bill Pay XXXX Bill History screen but does not show as having been 'paid ' in Account XXXX Account History screen nor does it even show as being a 'pending ' transaction '. I called TD Bank customer service and was told by the agent that despite the bill being shown as 'paid ' on the bill payment screen, the bill would only be deducted from my checking account when TD 's credit card department had 'cashed ' the paper check that TD, the Bank had sent to them. They could not tell me when that would occur but that I should " keep in mind '' not to spend the money or the account might go into an overdraft situation. What kind of trickery is this? Showing a bill as 'paid ' and yet not debiting the account until some future, indeterminate time? How many TD customers must believe they have paid bills using TD Bank 's online bill pay system only to discover that they had not? If I were very cynical, this process seems another way to deceive customers into overdrawing their accounts, thereby allowing the bank to charge overdraft fees. Citibank, the other bank with which I pay bills, deducts the account at the moment the check is drawn or the electronic transfer is made. There is never any confusion there.
Product: Debt collection

Ashton and Weinberg Inc. ( XXXX ) XXXX called my cell phone and left XXXX messages last Friday XXXX XXXX stating that since they were unable to get in touch with me they would be " going on XXXX '' to try to find me and my family and friends so that they contact them to see if I was " Okay :. I was at work when the messages were left for me and once I got off I listened to them and almost immediately afterwards I received a phone call from my dad stating and " attorney 's office ( which I do not believe that they are ) called and was searching for me and they left a " claim number '' with him. Then my brother called and stated that hey had also called him and he let me listen to the message which again stated they would be going on XXXX to find my family and friends and they would be contacting them and they also left that " claim '' number on my brother 's voicemail. Then my mother called and said they had called her work. Yes her work and left a message with a receptionist giving them my name and " claim number '' and asked the receptionist to have my mom call them. This may not technically be considered harassment in the eyes of the law. But it is definitely bordering the definition of harassment. And at the least, they very least it is unethical. I worked for a collection agency and I understand Skip tracing and other methods to find family members. But never did we leave any information other then a message, definitely never a " claim number '' or any other information of that sort And when told to cease the phone calls to the family members, we did. I left them tow messages Friday night after I got off of work to let them know that they are never again to call my family and I gave them my cell phone number ( which they already had ) as well as my address for correspondences. Once again, this may not be legally harassment, but it is definitely at the very least crossing the line.
Product: Student loan

I am in the PSLF program. My loans have been in repayment since XXXX, well longer than I need to have my loans forgiven. 

I consolidated my loans and was transferred to Mohela as my new servicer in late XXXX. My loans disbursed on XX/XX/XXXX. 

I resubmitted my employment certification form to MOHELA and received confirmation on their website on XX/XX/XXXX that my form was received. As my previous servicer was XXXX. My initial PSLF forms had been uploaded to them in XXXX at the start of the temporary waiver period. 

On XX/XX/XXXX, I received e-notification that there would be a 10 day delay in processing my employment verification form. I have not heard anything from Mohela. 

I just called their customer service auto service telephone number. When I entered my SS # and birthday, the automated system says that they do not have my loan information. I can clearly see my consolidated loan information on their website. 

Mohela has had my loan data since XX/XX/XXXX. With the looming deadline for the PSLF waiver, I'm concerned that I have been unable to get any account updates and information for over three months from Mohela.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity. 
Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 

The obligation between your company XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )
Product: Checking or savings account

This is to continue a complaint that I previously filed with the CFPB regarding Robinhood 's  failure to notify me of corporate actions for the fund previously known as XXXX. XXXX liquidated and Robinhood did not inform me. I opened up a complaint with this regulator to notify them of Robinhood 's actions. In their response, Robinhood Markets told me they are not required to inform me of all corporate actions. I disagree with this. Robinhood has marketed itself as a way for young, amateur investors to participate in the stock market without high costs. Therefore, it is Robinhood 's responsibility to notify me of corporate actions. Robinhood 's failure to notify me of a corporate action resulted in me losing money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to express my extreme dissatisfaction with the inaccuracies contained in my credit report. Upon reviewing my credit report, I discovered several errors that are negatively impacting my credit score. This is unacceptable and I demand immediate action be taken to correct the erroneous accounts, in accordance with the Fair Credit Reporting Act ( FCRA ). I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. I require the Credit Reporting Agencies to investigate and correct the following accounts from reporting erroneous and inaccurate information on my Credit File : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. As we are undoubtedly aware, under Section 611 of the FCRA, it is the Credit Bureaus responsibility to ensure that the information contained in credit reports is accurate and up-to-date. I have fulfilled my obligation by bringing these inaccuracies to the Credit Bureaus attention. It is now the Credit Bureaus obligation to investigate and remove these errors within 30 days, as required by law.
Product: Debt collection

CFPB Complaint : Debt Collection Abuses I. Introduction I am filing a complaint against [ XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] for violating the Fair Debt Collection Practices Act ( FDCPA ) and potentially violating Louisiana state law.

II. Alleged Violations The collection agency has engaged in the following unfair and deceptive debt collection practices : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) I did not receive a written notice containing the amount of the debt, the name of the creditor, and a statement of my right to dispute the debt within 30 days.

Denial of Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) The collection agency placed the debt on my credit report without giving me a chance to dispute its validity.

False and Misleading Representation ( 12 CFR 1006.34 ( d ) & 15 USC 1681s-2 ( 7 ) ( A ) ) The collection agency reported the debt to a credit bureau without providing all the required disclosures by law.

Potential State Law Violation ( Louisiana RS:47.1676 ) There is a possibility that the collection agency is not licensed to collect debts in Louisiana.

These practices have damaged my credit report and caused me undue stress.

III. Requested Relief I request that the CFPB take the following actions : Instruct the collection agency to remove the disputed debt from my credit report.

Direct the collection agency to cease all communication regarding this debt. 
Ensure the collection agency provides me with proper validation information for the debt. 
Investigate whether the collection agency is licensed to operate in Louisiana. 
IV. Supporting Documentation ( Attachments ) File XXXX XXXX  XXXX XXXX XXXX Conclusion The collection agency 's actions have been a violation of my rights under federal and potentially state law. I urge the CFPB to investigate this matter and take appropriate action. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX ] XXXX Please note : Proof of Address and ID
Product: Checking or savings account

I opened XXXX separate chase bank accounts for my children for XXXX  apportionment. I deposited XXXX treasury checks that were legitimate. They froze all of my bank accounts even the one I didnt deposit checks in. Today marks a week with my accounts frozen. Theyre now canceling my accounts and mailing me a check in 10 days. There are specific rules about how I use the XXXX  funds and I get audited every 6 months. They assured me they could open these accounts. They will not give me a reason for my accounts closing and my checks are legitimate and verified from the XXXX government. I had an account since XXXX  and Ive never had an issue with my personal account until now. They froze that account along with my kids XXXX checking accounts.
Product: Credit card

I sent a dispute to the company along with all the highlighted statements. 
I received your letter about investigating the account. I also received your letter saying that there was no billing error found in your investigation. I disagree with the information provided back to me.

I am moving forward with exercising my right under 15 USC 1681i ( 6 ) ( B ) ( iii ). 


i followed with a letter to XXXX XXXX and their company not complying with the Law. with exercising my right under 15 USC 1681i ( 6 ) ( B ) ( iii ).

I sent out a Certified letter with the Tracking number XXXX via XXXX which shows Delivered on XX/XX/year>. I am writing this letter on XX/XX/year> as it makes the XXXX day follow 15 USC 1681i ( 7 ).

3 attachment of letters that have been sent to the company and i have not receive any reply
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  days late in XX/XX/2020, XX/XX/2020, XXXX XXXX 60 days late in XX/XX/2020, XX/XX/2020 as well as XXXX days late in XX/XX/2020 and XXXXXXXX XXXX. 

XXXX XXXXXXXX XXXX XXXXXXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX  ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Debt collection

This is the text I was sent by supposedly Shepherd outsourcing on XX/XX/year>. The text starts with my name omitted here for privacy reasons. 

Hi ____ this text is from Shepherd Outsourcing, a debt collector regarding your XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) account. Visit portal-shepherd.com ( the rest of the link I omitted here for security reasons ) Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. ( They give a reference # here omitted for privacy reasons ) Reply STOP to opt out. 

I have not clicked on the link yet due to my fear of it being a scam. I do not have a XXXX account. And never have. I ignored it for that reason. But a second text same number came a week later on the XXXX. 

We have limited time to work with you before we return your XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account to our client. See your options at portal-shepherd.com ( the rest of the link I omitted here for security reasons ) or call XXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out. 

Again I didn't click the link due to thinking it's a scam. And 2 days later I got the third text on the XXXX. 

If your XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account is returned to our client we may not be able to renew these offers. Save up to {$680.00} in up to 3 payments when you visit portal-shepherd.com ( the rest of the link I omitted here for security reasons ) or call XXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out. 

This last one bugged me because I saw a dollar amount. I still didn't click the link thinking it to be a scam. But decided to XXXX the number. I have come to the conclusion that due to my research I am right in it being a scam. I then was going to report it to the FTC. But they referred me to you. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX
Product: Debt collection

XXXX claimed they will remove the late payment once the debt was paid. As i paid the debt consumer never removed and claimed this is something they do not do. I told consumer to replay the tapes as there agent claimed he would remove such and consumer said they will and never returned my call.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed. ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as falling to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate this late payment on these accounts because they are reported wrong. You should corroborate your information and remove the negative information on these accounts. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct or update the accounts below : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I went to ATM machine located at XXXX XXXX XXXX in XXXX, WA XXXX. The ATM is owned by a company called XXXX XXXX XXXX XXXX. I attempted to withdraw {$500.00} but was declined so I never received the funds even though I had the funds in my account. However, US bank took out the money out of my account ( my customer ID number is XXXX ) even though I never received the money. Their number is XXXX. 

On XX/XX/XXXX, I contacted XXXX and spoke with supervisor XXXX XXXX. His number is XXXX, ext XXXX. He said US bank declined the transaction ( XXXX XXXX ). We have a 3- way telephone conference with supervisor XXXX XXXX US bank. She claimed the money was authorized and they dispersed the money to XXXX. She gave me their authorization number of XXXX. 

In XX/XX/XXXX, I forward the US bank statement to XXXX showing the funds was taken out of my account and was told to file a dispute with US bank, which I did. On XX/XX/XXXX, US bank issued a provisional credit of {$500.00} back into my account. However, they took it out again on XX/XX/XXXX. 

I called US bank. I forgot who I spoke to but she was very rude. She said I lost the dispute. I requested several times that they send me documentation showing they dispersed the funds to XXXX so I can file a complaint. But, I have never received anything to date. 

I have been going back and forth between both agencies and this has been a very frustrating process. I have suffered financially because of this. I believe that the fault lies with US bank who has been extremely difficult to deal with. XXXX has been helpful in trying to resolve this, but they can not issue me a refund since they never gave me the funds. ( See attached email ) Please look into this matter. I am attaching the bank statements from XXXX to XX/XX/XXXX ( XX/XX/XXXX : {$500.00} was taken out of my account ; XX/XX/XXXX : a provisional credit was issued ; XX/XX/XXXX : it was taken back out ).