23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix the problem but to no avail. I sent letters and no response from XXXX The fraudulent inquiries are still on my credit report. I have sent letters to Experian but I have not seen any changes from the inquiries. It seems as if my letters are to no avail. They will not remove the fraud inquiries from my credit report. I told them as they well know I am a victim of identity theft. Experian knows that all of my information is on the dark web, they were one of the credit reporting companies that notified me of my identity on the dark web. I also have a statement on my credit report that any company is to call me before they check my credit but Experian allowed them to check my credit without my permission. This is identity theft.
Product: Checking or savings account

I am writing to file a formal complaint against SoFi Bank regarding the unexplained closure of my account and their subsequent refusal to allow me access to my funds. My checking account number is XXXX and my savings account number is XXXX. 

On XX/XX/year>2025, I received notification from SoFi Bank that my account had been closed. The notification provided no specific reason for this action, stating only that the closure was at the bank 's discretion. I have contacted SoFi Bank multiple times, both by phone and email, to request an explanation for the closure and, more importantly, to inquire about accessing my funds, which totaled {$380.00}. Theres {$320.00} in my checking account XXXX and {$54.00} in my savings account XXXX. 

Despite these attempts, SoFi Bank has failed to provide a clear and justifiable reason for closing my account. Furthermore, they have not provided a reasonable process for me to retrieve my money. I have been given conflicting information by customer service representatives, and my requests for clarification have been ignored. I have been told nothing. 

This situation is causing me significant financial hardship. I rely on these funds for educational purposes. They are funds from the Department of Education XXXX XXXX XXXX. As well as Social Security benefits. These funds I use to live my everyday life. SoFi Bank 's actions are not only arbitrary and capricious, but they are also preventing me from accessing my own money. 

I am requesting the assistance of the Consumer Financial Protection Bureau in resolving this matter. I would like the CFPB to investigate SoFi Bank 's practices regarding account closures and the handling of customer funds. I am seeking the immediate release of my funds from my closed account and a clear explanation from SoFi Bank as to why my account was closed in the first place. 

I have attached copies of the bank statements that I have received. 

Thank you for your time and attention to this important matter.
Product: Checking or savings account

On XX/XX/XXXX, I attempted opening an account with Marcus By Goldman Sachs, I was made aware that my application was declined because my Social Security Number ( SSN ) matches with one of their customers and as a result I'm UNABLE to open an account with the bank. The same suspect who used my SSN at other financial institutions I reported in XXXX, is still using my SSN at Marcus By Goldman Sachs. I've called and spoken with multiple staff at Marcus By Goldman Sachs including XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX left a voicemail, attempted calling back and spoke with XXXX who advised me to reapply, and I did reapply. On XX/XX/XXXX, I called again and spoke with XXXX, spoke with XXXX on XX/XX/XXXX, spoke with XXXX ( Supervisor ) at Marcus By Goldman Sachs, including XXXX from their fraud unit informing them that the SSN belongs to me and provided all information needed for verification purposes. I also requested for them to do due diligence in investigating and that I was ready to provide any form of documentation to help with investigation. They promised to create a ticket to investigate and give me a call with any updates. Up until today XX/XX/XXXX, I've not received any feedback from Marcus by Goldman Sachs. In addition, I created a Federal Trade Commission Identity Theft report, and sent my FTC statement ( attached ), FTC drafted letter ( attached ) dated XX/XX/XXXX with copies of my SOCIAL SECURITY CARD AND MY DRIVER 'S LICENSE on XX/XX/XXXX to Marcus By Goldman Sachs DISPUTING THE FRAUDULENT ACCOUNT and requesting that ALL ACCOUNTS opened using my SSN be CLOSED. It's been 20 days and yet no response from Marcus By Goldman Sachs. I've requested a CONSUMER DISCLOSURE REPORT from XXXX stating I'm a victim of identity theft, results came in that my SSN was matched with someone else and an investigation was set up. In the next 3 days, I received the result of the completed investigation, confirming that the SSN in question belongs to me and my file with XXXX has been cleared of the other individual 's information. Furthermore, I've placed a freeze and a security alert on my file at XXXX. This is in addition to the freeze and fraud alert I've placed on all my files with the 3 credit bureaus- XXXX XXXX XXXX XXXX AND XXXX XXXX
Product: Mortgage

We purchased our home in XX/XX/2019 and our mortgage was transferred to Home Point Financial. This mortgage is at a 4.75 % interest rate. In XXXX of this year we began to shop for a refinance. Home Point reached out to us after we were already approved by another company and offered a low cost refinance at an advantageous rate, with a significantly lower initial cost than the other company so we went forward with the application process. We have very good credit and an very advantageous loan-to-value. We completed our application on XX/XX/XXXX and the company went completely silent. We have repeatedly reached out to our assigned originator, XXXX XXXX, and more recently demanded to be put in touch with someone in higher authority and he has not responded to any communications since XX/XX/XXXX. It has now been over 60 days since we completed our application, and the only contact was a revised disclosure sent to us about 3 weeks ago. We believe this foot-dragging is a scam to keep us from refinancing our high interest loan. Now we have to begin the process again with another company which will negatively impact our credit rating. We would appreciate any action you would be willing to take against them to force them to at least tell us why we were declined, or even if we were declined.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX RECENTLY SENT ME INFORMATION IN REGARDS TO ACCOUNT THEY CLAIM THEY PROVIDED FUNDING TO ME BUT I NEVER RECEIVED ANY LOAN FROM THEM. I REQUESTED THE TRUE BILL OF SALE, REPOSESSION AND INVESTIGATION ORDERS, LOAN DISCLOSURES AND IF THE ACCOUNT IS REPORTING AS CHARGED OFF, THE PROPER TAX FILING THAT DEBTOR/RECEIPIENT IS SUPPOSE TO RECEIVE FOR TAX PURPOSES, AS ACCORDING TO THE IRS WHO IS AUTHORIZED TO ENFORCE TAX LAWS. TD AUTO FINANCE HAS FAILED TO PROVIDE THESE DOCUMENTS TO ME VERIFYING THE ACCOUNT CHARGE OFF STATUS. THE INFORMATION THEY ARE REPORTING TO THE CREDIT BUREAUS DOES NOT MATCH THE INFORMATION THEY SHARED NOR ANY CONTRACT I SIGNED. ONLY CONTRACT I HAVE STATES XXXX TERM FOR MONTHLY PAYMENT OF XXXX NOT XXXX  MONTHS AT XXXX. THEY CHANGED THE CONTRACT WITHOUT MY PERMISSION OR KNOWLEDGE AND FORGED MY INITIALS ON THE ITEMIZED PORTION OF THE DOCUMENT. 
I HAVE FILED AN FTC REPORT AND WILL BE FILING FORM XXXX WITH THE IRS TO REQUEST AN AUDIT OF THE ACCOUNT. THE CONTRACTS CLEARLY HAVE BEEN ALTERED AND THEY ARE NOT PROVIDED THE TRUE BILL OF SALE, PROOF OF FUNDING, INVESTIFATION REPOSSESSION ORDERS AND TAX FILINGS. 
I WILL ALSO BE FILING A COMPLAINT WITH THE SECURITIES & EXCHANCGE COMMISSION FOR SECURITIES FRAUD. THE ACCOUNT IS NOW IN DISPUTE STATUS AND SHOULD NOT BE REPORTING IF IT DOES NOT MATCH THE TERMS EXPRESSED IN THE ORIGINAL CONTRACT, THAT IS FRAUD. 
THEY ALSO STATED THEY CHARGED OFF THE ACCOUNT, IF THEY DID THEY SHOULD BE PROVIDING THE TAX DOCUMENTS SHOWING THIS. IF THE ACCOUNT IS CHARGED OFF AT THE AMOUNT STATED IN THE LETTER THEY SENT ME HOW IS THERE AN AMOUNT ACCRUING EACH MONTH? IF THERE IS NO MONTHLY PAYMENT DUE AS YOU ARE REPORTING TO THE CREDIT BUREAUS HOW IS THERE AN AMOUNT ACCRUING? 

SENT LETTER TO WELLS FARGO INDENTURED TRUSTEE XXXX XXXX XXXX, THEY ARE ALSO RESPONSIBLE AND LIABLE FOR THE FRAUD THAT IS HAPPENING.
Product: Mortgage

I am referencing my previous Complaint # XXXX years high was closed. I was to be sent Refund Modification Documents per Freedom Mortgages Response of XX/XX/22 within 15 days. When that time past I phoned because my loan was still showing as being out of Loss Mitigation. The XXXX  ( they are always different ) I spoke to saw nothing about this resolution in the online notes! She said she would request a new review and to ask that my loan be put back into loss mitigation. I can not make a monthly payment on the app unless XXXX pay the full forbearance amount. I knew this might happen as it has been this kind of harrowing journey. Please reopen my Complaint to freedom Mortgage.
Product: Credit reporting

On or about XXXX XXXX, 2016 I contacted the Experian XXXX CRA requesting verifiable information of several negative events that are being reported on my credit file with this organization. The CRA never addressed my concerns in the letter and I would like these items deleted from my file immediately. The CRA are violating my rights pursuant to " 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. '' Please see attached correspondence from XXXX/XXXX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've sent multiple letters from XX/XX/2020 up until XX/XX/2020 disputing the accounts on my credit report. The the credit bureaus keep saying they have been verified but they have not sent any proof supporting their investigation. I seriously need help with this as it is affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I viewed my credit report I noticed it contain fraudulent item. Negative accounts impacting my credit score which is hindering me from my biggest purchase.
Product: Debt collection

XXXXXXXX XXXX, a paypal associate has a debt against me. My credit was impacted negatively. I have been trying for months to link my bank account with no success. I always received error messages. There is no other way to pay, and is because of {$4.00}. I continue to receive error messages and paypal customer service is horrible. If I can link my bank account, I cant pay. I tried with XXXX different banks and it still gives me the same error messages. This is an issue on paypal and paypal alone. I want the negative items remove from my credit report.
Product: Credit reporting or other personal consumer reports

I really forgot the company actual name but I did paid them a little to start but I didn't see NO! Improvement just on a start off payment plus I tried to despute on some of the items I didn't recognize on XXXX it didn't never go through But I forgot the name of the company I was dealing with I will try to look them up I don't know there name off hand because I tried to despute some items myself nothing never helped
Product: Vehicle loan or lease

Santander Bank Auto Loan has been charging outrageous interest rate and have me signed in the middle of the pandemic agreements to extend their hicking of interest to have my loan impossible to pay. I have been struggling to make payments to keep a car that is was very expensive in the first place with a 23 % interest which is a robbery to people. I wanted to get this loan done and I have only XXXX borrowed to pay for this loan because they keek hicking up interest and robbing me blind. My car worth XXXX and it has a mileage of XXXX breakings all the time. I need them to meet me halfway and let me pay off the car for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I sent a 609 letter that I will upload accompanying this complaint on XXXX, then when the credit reporting agency equifax, did not delete the inaccurate information, I sent a demand to comply follow up letter with a 15 time period, on XXXX, as of today XXXX, they ( equifax ) has not responded, I will upload the demand too comply letter too
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to TransUnion LLC on XX/XX/2023 tracking number ( XXXX XXXX XXXX XXXX XXXX ) TransUnion failed to remove the inaccurate information I was requesting. I am following up with another letter today XX/XX/2023
Product: Credit reporting or other personal consumer reports

i have asked the company 3 TIMES FOR VERIFICATION AND THEY HAVE NOT PROVIDED ME WITH ANY LEGAL DOCUMENTS, Description of the procedure, all documentation they used to investigate
Product: Debt collection

Please let me know what is service I own you? I don't remember when?..

2 address debit collection.. I never do it.

I need you help me ..remember. What is I own you?. Or someone do that ..not me..

Thankyou
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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

Im being sued by Lloyd & McDaniel PLC for a debt that is no longer owed. They didnt fully validate debt according to my requests in validation letter all they sent me where statements. The amount stated is incorrect Ive also submitted documentation showing my credit report showing debt correct amount and that it was charged off and canceled by original creditor which means it was written off and no longer needs to be paid. I believe they have falsely pursued this debt whether knowingly or unknowingly which further shows they didnt fact check the debt and also why they didnt provide the information requested that was needed to validate debt.
Product: Mortgage

When I originally got the loan we never signed all of the paperwork. The lady they sent said she would bring back some papers and never did. All of the papers are not signed by me. The loan is now illegal, it is a loan where the payments and interest goes up every year. The payment amounts do not match what is on some of the paperwork that we received. The payments have always been higher than they were ever supposed to be. We have tried for years to get a modification with them and was denied every time. I got forced into bankruptcy many times because of this loan. There are many discrepancies with this loan and the mortgage co will never send us any papers we ask for. I am again in bankruptcy due to this loan. I am XXXX and not in great heath. This company is Wells Fargo. They are already proved to be frauds with all aspects of their company, from all the way back in history with XXXX XXXX. Wells Fargo should be held accountable for what they do to people. They have never tried to help me. I would really appreciate any help you could give me. Thank you for your time
Product: Debt collection

Financial Freedom, a branch of XXXX XXXX, in XXXX, Texas paid the real estate taxes for the last part of XX/XX/XXXX and most of XX/XX/XXXX ... as is their right ... on our reverse mortgage. We got no notification that Financial Freedom had paid the real estate taxes until we got a call on XX/XX/XXXX, followed by a letter on XX/XX/XXXX demanding the {$4600.00} by the end of the month or the company would start foreclosure proceedings. I tried to make a repayment schedule, but the bank used the excuse that we spent about {$120.00} more than my wife and I received from SSI ... approximately {$1900.00} and my " XXXX '' retirement fund of {$110.00} per month. 
Although we offered to send Financial Freedom {$500.00} per month, our offer was refused out of hand. This seems to be a case of " get rid of the reverse mortgage completely '' or a predatory practice. We are still willing to repay them {$500.00} per month, and we told them so, again by phone, but they still refused. I don't know where Financial Freedom got its financial information.
Product: Checking or savings account

I was unable to access my own funds due to an unexplained freeze. The bank cited vague maintenance, refused to give a timeline, and disrupted my access to essential funds during a trip. This is unacceptable and potentially a regulatory violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an error in my bank and it did not process a payment correctly to Fortiva. Fortiva then added a late payment to my credit report without my written permission.

In accordance with the fact Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604A section 2 it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open for any purpose and Consumer Credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This was my follow up complaint, and I'm reiterating my request for the removal of the inquiry from my credit file, stemming from an alleged identity theft incident. As per FCRA 605B ( 15 U.S.C. 1681c-2 ), it is mandated to expunge any items no later than 4 business days after XX/XX/XXXX. Previously communicated and reiterated here, accompanied by my new FTC report # XXXX : -- -- EQUIFAX : XXXX XX/XX/XXXX. Failure to REMOVE the specified inquiry from my report will prompt legal action. My attorney is informed and prepared to ensure accountability for willful noncompliance. Consider this your FINAL WARNING. Please proceed to REMOVE the INQUIRY resulting from alleged identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I have filed multiple disputes with the credit reporting agency Equifax ( and the debt collecting agency XXXX XXXX XXXX XXXX XXXX ) about the false information on my credit report with no good results. Please investigate this. Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX : Account number : XXXX, 15 U.S.Code 1666b ( a ). 

XXXX XXXX XXXX Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX : Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX XXXX  ( Original XXXX XXXX XXXX BY XXXX ) : Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, 15 USC 1692a ( 4 ). 

XXXX XXXX XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX, 15 USC 1692a ( 4 ). 

I have reached out to Experian and followed the proper protocols that were required of me but no satisfactory results were given to me. Please VALIDATE, NOT VERIFY these accounts
Product: Credit reporting or other personal consumer reports

Report # XXXX for Experian despites multiple attempts to have address removed Experian has denied my request which violates my rights under applicable laws and regulations additionally I am a participant in XXXX XXXX XXXX  which further necessitates the protection of my personal information, these addresses no longer apply to me and pose a risk to my safety and privacy Experian refusal to remove these addresses constitutes a violation of FCRA 15 U.S.C. 1681i ( a ) under civil liability noncompliance 15U.S.C. 1681o im due for compensation
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX MO XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This is not my debt and has never been. XXXX XXXX company attempt to collect money which is not mine on XX/XX/XXXX. I request verification of this alleged debt. They have not supplied me with any physical evidence of this alleged debt. They only sent me previous capital one bank partial statement on XX/XX/XXXX. This is unfair business practices and deceptive. I am being bullied into a paying for something that isn't mine. Does XXXX XXXX company make up fake accounts and send me and report credit agents them in hopes that unsuspecting consumers pay them? How many other people has this unscrupulous company done this to? Are they even licensed and bonded? I am also going to file a complaint with the GA Attorney General 's office. I have already contacted them and confirmed I do have grounds for a complaint. This shady company needs to be investigated. I demand that this is removed from my credit reports once and for all. Also request close this alleged debt from their ledger and send me the proof immediately. ( ID theft report was sent to credit reporting agents )
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY, XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to credit agency and ask them to update my credit file to reflect the correct address and spelling of my name on the account. 

Please remove the following addresses as I do not reside there or ever lived at that address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct address that should be listed is XXXX XXXX XXXX XXXX My name is also incorrect on the report please remove the incorrect names : XXXX XXXX XXXX XXXX My name listed should be listed as XXXX XXXX XXXX. 

Current Employer is XXXX XXXX. I have never worked at XXXX XXXX. 

Please update my name and address as this is incorrect and causing an issue when I apply for certain items that require a credit check.