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

I opened a personal checking account with SoFi Bank sometime in XXXX of 2024. I transferred some funds into the account through various channels, and planned to use this account to keep track of some specific expenses separately from my other accounts. On XX/XX/scrub> 2024, I received an email from them saying my account was frozen, and I needed to contact them. When I called, they questioned me about a XXXX account I had linked to the account. It had been flagged because the username on the XXXX account was not my personal name -- and in fact the XXXX account is owned by my husband ( we are legally married and we file taxes jointly ; we have a joint checking account at another bank ). SoFi did not give me an opportunity to provide documentation showing these facts ; they informed me that my account was pending closure because I had violated their terms of service, and I would not be able to access the funds. They provided no estimate of how long the account closure process would take, and refused to even upon questioning.

I asked them what will happen to the money in the account ( over {$5000.00} ). They said the funds will be sent " back to the remitter ''. Some of the funds in the account had been transferred in via the XXXX account in question, but {$2000.00} of the money was deposited via personal checks from my other checking account at another bank ( those checks have both my name and my husband 's name, and obviously the checks were made out TO me -- it was certainly not a violation of their terms of service to make this kind of deposit ).

I have called COUNTLESS times since then. I get the same lines every time : " We can not provide an estimated timeline of when the account will be closed. Someone from the internal review team will contact you if they require any further documentation ''. Apparently their " internal review team '' does not have a direct phone line or a mailing address, so there is no way to contact them directly. I have not been contacted by the " internal review team '' through any channel -- phone, email, or text -- and they have all of my most up-to-date contact information.

I'm aware that in the absence of any evidence of CRIMINAL activity, they are actually violating the law by seizing my funds and barring me from accessing them. *Obviously* my actions are not criminal activity -- I accidentally violated their terms of service. And since the XXXX account in question is owned by legal husband, I'm not even sure that I truly DID violate their terms ; however, they haven't given me the opportunity to support this statement with documentation.

At this point, I don't care to enter into any kind of process with them where I try to prove that I didn't violate their terms. I just want them to send the funds from the checking account " back to the remitter '' as they have said they're going to ( " the remitter '' is in fact ME/ my husband 's XXXX account ), and close my account. I want nothing to do with them going forward, as this has been the worst customer experience I have ever had with a bank. It's been over 6 months since this fiasco started and NOTHING has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being presented to my personal credit file. The Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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

XXXX XXXX XXXX XXXX - XXXX - and the credit bureaus are reporting inaccurate information as well as they are in violation of the Bankruptcy courts - the Automatic Stay! 
This account was included in my DISCHARGED bankruptcy yet they are still reporting monthly, damaging my credit and reporting a balance! 
I am notifying my attorney and the next correspondence will be from him.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XX/XX/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
Product: Bank account or service

I did a VA Refinance by XXXX - a California Corporation on XXXX. By XXXX, the mortgage was sold by XXXX to PennyMac - ( PennyMac loan number XXXX ). My first payment to PennyMac was on XX/XX/XXXX. XXXX Mortgage and PennyMac required that my Hazard Insurance and Property Taxes be paid through an escrow account. My payments were all made on time and included the requested escrow account amounts. However, PennyMac ( XXXX ) did not pay my Hazard Insurance with XXXX. By the time I saw correspondence related to this issue, I could no longer reinstate my cancelled insurance policy and was forced to re-apply for a modified policy ( some policy provisions were no longer available ). Upon the initiation of a new policy, it was paid by the PennyMac escrow and I was assured that an accounting would be done and I would receive a refund as appropriate. The amounts due, from XXXX perspective, were not paid for the period of XXXX until the policy was cancelled on XX/XX/2016. The new policy was in force on XX/XX/XXXX, leaving a period of XXXX and XXXX wherein my house was not covered by Hazard Insurance. 
I have needed, so far, to spend over 10 hours of my time on hold or speaking with someone at XXXX Mortgage, PennyMac, XXXX, and the XXXX collection agency - XXXX. The problems that I can not get resolved are as follows : 1 ) get PennyMac to pay the currently due amount of {$300.00} for the collection account with XXXX XXXX XXXX for the period they failed to pay for Farmers Hazard Insurance policy ( XXXX through XX/XX/XXXX ). A " supervisor '', XXXX, did call and leave a message that there was no money due from XXXX the bill was probably a " scam ''. So, I called her back and left a message explaining that she probably inquired about the current policy number which is paid - not the policy that was cancelled due to the failure of PennyMac to make the required XXXX payments ( the policy numbers are cancelled=XXXX, new=XXXX ). 2 ) I received a demand notice from PennyMac for {$19.00} to cover the XX/XX/XXXX to XX/XX/XXXX period because I did not provide " proof of coverage '' - which is ridiculous since they are the cause of the problem, and 3 ) be paid the remainder of the refund I should receive since there was a two-month period with no Hazard Insurance coverage ( it should be about {$100.00} ). I did receive a check in the amount of {$87.00}, which is less than one month of the cost of the prior cancelled policy. 
This problem has been going on for more than a month. I own and run a small business and should not have to waste over 10 hours of my time resolving a problem that was caused by PennyMac and/or XXXX Mortgage. When I first looked at my PennyMac Escrow and Hazard Insurance information online, it had the correct old policy number and annual amount due.
Product: Credit card or prepaid card

Checking on my credit report and noticed this account is open that should have been closed.
Product: Vehicle loan or lease

Texas law is very specific regarding the manner in which personal property ( including cars, trucks, boats, planes, televisions, washers, dryers, and other household items ) may be repossessed. A creditor or repossession company can not breach the peace when repossessing personal property. Moreover, under Texas law, a creditor is strictly liable for the actions of a repossession truck driver or repossession company for actions which breach the peace.

There was a breach of the peace situation that occurred when 2 people came to my employer. The female made a scene, Raised her voice and I ask the 2 people do not touch my vehicle. Both individuals  did not tell me who they were. MY manager even asked them to leave the premises and as I got in my vehicle they began to lift the vehicle on to the truck and snatch my car keys out of my hand. 

A breach of the peace by a tow truck driver occur because I was inside the car, caused a commotion at my employer and yelled at me at my place of employment : There are various legal claims for breach of the peace during a repossession including : Violation of the Texas Debt Collection Act Invasion of Privacy Unreasonable Collection Efforts Uniform Commercial Code Chase Auto has also reported a negative tradeline on my credit reports and I like to have it removed from every credit report because of the illegal taking of my vehicle at my employer and the creditor is liable for how the vehicle was taken from me. 

I want the negative tradelines removed from my credit reports and investigation into how the company came to my employer and repossess my car.
Product: Credit reporting or other personal consumer reports

ACCOUNT NUMBER : XXXX Date Last Payment : XX/XX/year> Inaccurate XX/XX/year> Inaccurate XX/XX/year> Inaccurate High Credit : XXXX XXXX XXXX Credit Limit : -- -- -- Balance Owed : XXXX XXXX XXXX Last Reported : XX/XX/year> Inaccurate XX/XX/year> Inaccurate XX/XX/year> Inaccurate
Product: Credit card

In XXXX XXXX I was having trouble paying on the date they provided because my dates of payment is bimonthly. Chase Bank refused to change the date, then when I started to make my payments the interest rate was 3 times the payment and then they ended up charging off my account of the {$10000.00}. I never received a 1099C and they still want payments from me.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete certain accounts and public records from my credit file, as I am a victim of a data breach that has affected my credit. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), which entitles me, as a victim of identity theft, to have fraudulent information removed from my credit report. 
The following accounts, which were fraudulently opened or affected, should be blocked and deleted from my credit file : 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, a fraudulent account from a collection agency named XXXX appeared on my Experian and XXXX  credit report. I am not indebted to this company or any secondary company. As I pay my bills on time. I never received any written communication referring to any alleged debt from this company, my right to dispute, or my right to request proof of this fraudulent debt, prior to this fraudulent posting of a collection which is a violation of the FCRA and the FDCPA. The posting of this unverified and fraudulent debt has severely hurt my credit score and my ability to obtain credit. This fraudulent debt is unverified, incorrect and should be removed immediately or legal action will be taken.
Product: Credit reporting or other personal consumer reports

This is NOTICE to XXXX to stop administering the XXXX XXXX XXXX XXXX and remove all data from your databases, and stop sharing and receiving non public information with non affiliated XXXX parties ... XXXX XXXX does not possess written consent or authorization from XXXX XXXX and is violating the PRIVACY ACT. and Copyright Laws. 

I am the only authorized representative and lawful Executor/Administrator/Representative to the NAME, which is an ASSUMED NAME, XXXX XXXX ( see attached ) XXXX XXXX does not possess any Signed Social Security Administration XXXX XXXX XXXX XXXX legal and lawful authority to use and share this non public information. 

See attached fee schedule in the case that XXXX XXXX wishes to further engage and do business with XXXX XXXX.
Product: Checking or savings account

I always check my account before purchasing anything. I notices a lot that the money in my account fluctuates a lot causing me to have overdraft fees.
Product: Debt collection

I broke my lease with XXXX the original creditor at the end of XXXX 2015, with five months remaining, i gave a sixty days notice from XXXX 2015 and paid the relenting fees of $ XXXX.i got my final account statement on XXXX XXXX, with the sum of {$5100.00}. I contacted my lawyer XXXX XXXX, by XXXX 2015 to dispute the account. She wrote several letters to them, seeking for the clarification of the account and telling them that i am ready to pay if the account is justified, there is no single reply. From my credit report monitoring, I was alerted on XXXX/XXXX/15 that the original creditor has transfered the account to Blakely Witts & associates, a collection agency since XXXX XXXX, 2015, with a sum of {$1000.00}, without informing me or my lawyer. The collection agency did not contact me or my lawyer at any time before reporting me to the credit bureau, in other word they did not make any attempt at debt collection before destroying my good credit and most importantly My Good NAME. I only knew about the debt after my credit was destroyed, is this the fair debt collection practice. 
To protect my right I wrote the bureaus to dispute the account, asking questions about why I was not informed and why is the amount different, the only answered I got is that the debt has been verified. Is this JUSTICE. 
All I want is justice, I am willing and ready to pay my debt, only let them do the right thing. Take The Account in collection off from my report, write letter of apology for the damage done to my good credit, contact me in a lawful manner to inform me of the debt and I Will gladly pay the debt. 
I hope you will use your good office to protect me from this unfair debt collection practice. 
N.B. My wife is also part of this unfair practice.
Product: Debt collection

Please refer to CFPB complaint XXXX. SPS continues to harass me through the USPS and refuses to respond to my debt validation and Qualifies Written Request. I do not owe SPS and SPS has not serviced any loan on my behalf.
Product: Debt collection

Debt Collector Harassment and Credit Reporting Issue During the Covid-19 pandemic, I settled a debt in full with the creditor and believed the matter was resolved. However, a debt collection agency has now added a negative report to my credit profile, claiming I still owe the amount. Despite providing evidence of the settlement, they are persistently hassling me with demands for payment. Their actions are causing undue stress, damaging my credit score, and appear to be unfair and potentially illegal under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Consumer Loan

Did not sign for loan and my name was listed on the account. I called and was told that Wells Fargo could not do anything about it. The loan was for home improvement that my husband opened. My signature was not given. I had to pay off the loan of {$7000.00} so that my credit would not ne harmed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a formal complaint to Experian, XXXX and XXXX XX/XX/XXXX asking them to verify the bankruptcies XXXX XXXX case # XXXX filed XX/XX/XXXX, XXXX filed XX/XX/XXXX, XXXX filed XX/XX/XXXX and case # XXXX filed XX/XX/XXXX that is on my profile with them XXXX and Experian didn't respond but XXXX send a letter stating they verified the bankruptcies with a company called XXXX XXXX XXXX. I understand according to the Fair Credit Reporting Act 15 U.S.C. 1681g Section 609 they are to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit profile also I understand XXXX XXXX directly owned by Experian which makes them " affiliated ''. As such, anytime an affiliate shares/furnishes information, with the FCRA right to privacy as a consumer, they are supposed to notify you before they furnish any information granting you the option to opt out and they didn't. XXXX XXXX is getting that information from a 3rd party XXXX and furnishing that information to Experian, XXXX and XXXX without permissible purpose 604 15 U.S.C. 1681b.
Product: Debt collection

The agency continues to attempt to collect a debt that is not mines. I have not cosigned for any loan and had a fraud alert on my credit for the past two years.
Product: Vehicle loan or lease

On XXXX XXXX l made contact with Toyota Financial Services Administration and spoke with a representative in regards of cancellation on my Gap insurance and Extended Maintenance Service. 
Toyota Financial Services representative stated that Gap insurance was cancelled, and he told me that l had to send him a fax on my Gap cancellation fax number XXXX. 
I told rep, that I sill send the fax, but l opted to send my written cancellation by email to XXXX XXXX dealership Finance Manager Mr.XXXX  and l did email him on my cancellation with vehicle vin number and recent mileage on Vehicle in mileage is XXXX. 
Toyota Financial Services stated that they was charging me {$50.00} for Gap insurance cancellation and l was going to receive only {$900.00} instead of {$1000.00} in refund. 

Also, l respectfully requested cancellation of Extended Maintenance Service with XXXX third party XXXX XXXX XXXX, their representative has told me on pre.recorded phone conversation that l had to contact XXXX California XXXX dealership Finance department to cancel the extended Maintenance Service on my vehicle. 
I did made contact with Mr.XXXX  in the Finance Department and he hasn't responded my email on my cancellations. 
Extended Maintenance Service is {$1000.00} and there is another XXXX fee to cancel. 

I sent emails to XXXX XXXX Customer Service Ms.XXXX XXXX   and Customer Relations Director Ms.XXXX  XXXX, and they have not responded.
Product: Debt collection

A few years ago when the XXXX breach occurred, I checked my free credit reports for all 3 bureaus and noticed 11 accounts that were opened on XX/XX/XXXX. 1 of those was a XXXX account, opened fraudulently on XX/XX/XXXX. I disputed this account with XXXX directly and it was closed by them on XX/XX/XXXX. On Friday XX/XX/XXXX I received a collection bill from XXXXXXXX XXXX XXXX. I submitted a dispute with the Chief Compliance Officer in the company 's consumer resolution center 's website disputing the validity of the debt. I have also sent a copy via mail to this office, the CFPB, XXXX, FTC & Massachusetts AG office. Thank you!
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I tried to access an amount of money owed to me thru PayPal. I have done business thru PayPal for 2 years, and have paid PayPal with a Credit Card ( they have on file ), and have received funds due me via a check from PayPal. In attempting to get a check for {$55.00} in my PayPal account, the site would not allow me get a check, I then called PayPal customer service and was told I needed to give PayPal a Bank Name and Bank Account #, I asked why as I had always received a check ( which PayPal attached a service charge to ), the representative said that it was still needed to send me a check, I asked to speak to speak to a supervisor, who said the same. I refuse to give PayPal this sensitive info, especially since I never had to do this prior, as well as PayPal has been hacked at least once, and I have had 10 " phishing '' emails regarding purchases at PayPal, which I reported to PayPal. I was told the only other way was to get a PayPal Debit card, which of course has service charges! 

I then filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX ( see attached ) on XX/XX/21. The XXXX received a response from PayPal and XXXX emailed me resolution on XX/XX/21, in which PayPal admitted their error. I then emailed PayPal asking for disposition, to which a person by the name of " XXXX '' a PayPal Customer Service Manager emailed stating I should have my funds by XX/XX/21. On XX/XX/21 I emailed the PayPal Executive Office regarding disposition and to this date ( XX/XX/21 ) have received no response. Well the mail has already been delivered today ( XX/XX/21 ) and still NO check!
Product: Vehicle loan or lease

XX/XX/2023 the car was giving me a ton of problems and I wanted to give the car back u called and talked to the company which is credit acceptance and they time to pick up the car and they said I owe {$6000.00} on the car I just want this removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX {$260.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Experian and XXXX Credit Bureaus to ignore a consumer 's requests for the correction of the disputed account reporting erroneous information on my Credit Report. I sent a letter to the Credit Bureaus on XX/XX/2022 requesting that the Credit Bureaus correct the information being reported by the accounts on my Credit Report. Upon checking my reports, it is clear that the Credit Bureaus have been ignorant of my requests for the correction of the disputed accounts on my Credit Report. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX my SS is XXXX DOB XXXX. My address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
I found some addresses on my report that do not belong to me please remove the following : XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX the following cell number are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX