23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Copy of Text from Letter To SoFi Bank for Attempt to Collect on Personal Installment Loan Paid in Full & Closed Re : Formal Account Dispute Dear SoFi Bank, We are writing to formally request that SoFi Bank place the above referenced personal loan account in credit DISPUTE and in accordance with our rights under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Consumer Credit Protection Act, and the Federal Trade Commission Act. We dispute any outstanding account balance as being in error and or fraudulent. This personal loan installment account was paid in full, evidence of payment with payoff statement and letter is attached with this correspondence. 

In regards to this account and our consumer / creditor relationship you are also notified and instructed that any and all communication must be in writing and sent to the account address of XXXX XXXX XXXX, XXXXXXXX XXXX. You are hereby notified that we will not respond or accept any form of electronic or digital communication including email, phone calls ( landline or cellular ), or text messages. Do not contact us by any means other than in writing and delivered by the United States Postal Service, XXXX, or XXXX. 

We contacted SoFi several times via phone, online chat and email. Our account has been notated each time we called, we were told by your telephone customer support agents. We requested escalation as one of your SoFi customer support agents acknowledged that SoFi had made a mistake and no further action on our part was required. In error and without our request SoFi made unauthorized line of credit loan distributions to us by electronic deposit after this installment personal loan account was supposed to be closed and paid in full. The account was actually overpaid when it was closed and SoFi refunded the overpayment to us. SoFi also retracted and electronically reversed and unauthorized distribution made into our account at XXXX XXXX XXXX XXXX. We notified our credit union of these unauthorized electronic deposits and asked them to freeze any activity by, to or from SoFi Bank. 


Again we maintain that this account has been paid in full, and is closed. We have no further debt obligations to SoFi Bank. Any outstanding balance showing along with past dues account notice, debt collection efforts are in error and the fault of SoFi Bank. Also any reporting of account delinquency, and late payments to the credit bureaus are also in error and in violation of our consumer rights. 

We request that you thoroughly review our account, clear this matter and notate our account as paid in full, with a {$0.00} balance and in good standing, paid as agreed, and no late payments whatsoever. 

Lastly, we request to be notified in writing within 45 days that this matter has been closed in our favor and was in fact the result of an internal accounting error made by SoFi Bank. 

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

I have no association with the mentioned creditors, and I did not initiate the inquiry in question.
Product: Debt collection

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here. 
Debt validation requests were sent on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX.
Product: Vehicle loan or lease

I currently have 2 car loans with XXXX/ Bridgecrest Financial , I drive for XXXX and have 4 payments left on one vehicle. I contacted Drive-Time today XX/XX/2020 to inquire about getting another vehicle. I was told that they do not accent Uber/Lyft as a source of income and they would not be able to finance me. I explaijned to them that I am already paying for the vehicles I have through them with Uber/Lyft income. I believe that they are violating the fair credit act by not accepting what I make as an independent contractor. I have been told the reason is because they don't wa n't their cars used as rideshare, if I am buying the vehicle what difference does it make how I use it.
Product: Mortgage

After 25 years in my home I am on XXXX. I M in XXXX XXXX an XXXX XXXX. I asked for a modificationAnd I was told that I would be given a modification. Mr XXXX   told me to give him $XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an auto loan with XXXX XXXX XXXX for a used car in XX/XX/XXXX. I had to voluntarily surrender my vehicle due to COVID-19 in XXXX. I made a settlement agreement with the company to pay {$2500.00} within roughly 18 months. I recently paid off the closed account, in full of the {$2500.00}, on XX/XX/XXXX. The balance should be {$0.00} on my credit reports, but it is still showing that I owe a balance of over {$3000.00}. I have called each credit bureau to dispute the information and open investigations. I am in the process of mailing documentation to each bureau and XXXX XXXX XXXX XXXX department. XXXX XXXX XXXX claims they reported the balance to each credit bureau but it does not reflect that whatsoever. I am not receiving the help I need to resolve this.
Product: Credit card or prepaid card

Im writing to Dispute a Billing Error in the full statement balance of {$4100.00}. Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.

18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.

Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. 


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

Credit reporting companies are reporting wrong information about a collection account with XXXX. Account number XXXX 120 Days Late XX/XX/2013 Opened {$0.00} High Balance {$0.00} They have wrong dates, wrong information being reported on my record and they have failed to provide me with EVIDENCE of debt to include document of claim, copy of unpaid bill or other evidence of payment violations. They are also reporting incorrect year on my credit reports.
Product: Credit card

A charge of XXXX was placed against my card for XXXX XXXX dress. I had to guy a gift card given the value of the dress exceed XXXX However the item was damaged and returned to XXXX XXXX. The company said it would go back on my Visa ( the XXXX ) and it didnt. 
I tried to file a dispute with US Bank over this with documentation, but they ignored it as they couldnt be bothered with my dispute. Bottom line is they know the item was returned and that I am owed XXXX. They just fdont work for the best interests of their customers. 
I want my XXXX back now.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried logging into my gemini.com account and was alerted that my account was frozen and their security team needed to review it. They did not tell me the reason my account was frozen and I waited until XX/XX/XXXX to follow up via email and their XXXX account to ask for an update. I received no response and then received the same email I received on XX/XX/XXXX that my account was frozen. 

I'm totally fine with Gemini reviewing my account, but it's been weeks without hearing from them and my money and securities are currently stuck.
Product: Checking or savings account

I attempted to transfer money from my chime checking account to XXXX XXXX in the amount of {$500.00} on XX/XX/2023 at XXXXXXXX XXXX. Chime Sent me a notification stating that it declined and then sent me a notification right afterwards saying that they took the money and its now pending. At no time did I authorize a second attempt. I immediately called Chime and provided them with the screenshot showing that they sent me a double notification and they told me that I had to wait XXXX business days in order for the pending status to clear and I should check with the merchant. I called XXXX XXXX and not only did they send me a bank statement dated from XX/XX/XXXX through the XXXX showing that there was no {$500.00} pending transaction, they also stated that they dont even have a record of it. I attempted to provide this information to chime on numerous occasions dating from XXXX XXXX all the way up until the XXXX and Ive been getting trolled, transferred back-and-forth between the customer member services in the dispute team, and they stated that they cant even look at the emails and dont have access to view the emails that I have sent to them. I have been placed in a financial hardship and I have incurred late charges because the funds are not in my account to be able to pay my bills. Not only that this forces me to use their overdraft or spot me feature putting my account in theXXXX  {$40.00}. So even when the money is actually returned it wont be {$500.00} itll be {$460.00}. I have been on the phone and access of XXXX and XXXX hours a day with Chime trying to get this money back. I have no food and I have bills that I have to pay and the only thing that they can say is Im sorry even though Ive provided them with proof that they took the money out of my account without my permission even there customer service member sent me an email showing that there were XXXX  transactions, and they keep insisting that there was only one. I am at my wits end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/2023, and i noticed hard inquiries that has no permissible purpose to be on my report, these inquiries are hurting my ability to get a home for my family. I have reach out to Equifax repeatedly but they keep violating my rights under 15 US 1681B, the hard inquiries are attached below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
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 3 credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit and notice there is a bankruptcy reporting to my credit that is not mine. I have never filed for bankruptcy and ask that you have this incorrect information removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted AAFES a few weeks ago asking them to delete late payments. I explained to them the reason why I was late and my efforts to make sure it never happens again. I never got a response. I had to call to learn my request was denied. I am disappointed because as a XXXX, I would think AAFES would work with military members. They did not explain why my request was denied. To make matters more confusing, AAFES was garnishing my pay so I safely assumed that would be the normal thing until the account was paid, which is why I stopped paying online. It didn't make since to pay the bill more than once. I was never notified of the garnishment and I wasn't notified when it stopped. I signed up for a payment plan to make sure I make the same payments on time. I'm even willing to pay more towards the loan if someone would assist in removing the late payments. I am asking for compassion due to the fact I fell behind on payments because I had to get a new vehicle the same month I started a new job. All of this I also explained and I got no help, guidance, or sympathy. All i'm asking is for someone to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I went to a cardinalship and they reviewed my credit card and I saw that I had 20 hard inquiries that I don't recognize and it is hurting my credit score.
Product: Credit reporting or other personal consumer reports

XX/XX/2025 Subject : Request for Reinvestigation and Removal of Charge-Off Accounts- XXXX XXXX ( XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXXXXXX ) To Whom It May Concern, I am writing to dispute the accuracy of a charge-off listed on my credit report under the account name/number ( *please reference the above list ). I have received a 1099-C form for this account indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both incorrect and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you can not verify the accuracy of this information, it must be deleted from my credit report as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Checking or savings account

5 fraudulent charges to my debit card at five different places. spotted it online, went to union bank to have stopped. was told by XXXX XXXX it could not be stopped because it was pending. filed complaint with bank # XXXX in writing, have called them three times, files complaint with department of business oversight # XXXX they refured me to office of the controller of the currency, filed complaint # XXXX, they refured me to you. I called and am told your the right place.Union bank won't return the money stolen from my account.. I now know the transactions could have been stopped. bad advise from bank. Want my money put back and additional punitive damages if possible. thanks
Product: Checking or savings account

I used the debit card service provided by Cash App to deposit into my XXXX XXXX XXXX  account without any issue. After that, when I withdrawal from XXXX  XXXX XXXX and have then sending the money to the debit card by Cash App, two transfers were declined by Cash App. They refused to inform me why they were declined and only repeatedly stated that is for my security and no additional information could be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, is now in default after Not adopting reasonable procedures designed to ensure that each periodic statement including the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days BEFORE the payment due date and NOT removing ALL late payments in all consumer reports PURSUANT TO TITLE 15 U.S. CODE 1666b purpose, unless the creditor has adopted reasonable procedures designed to ensure that A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any each periodic statement including the information required by section 1637 ( b ) of this title ... ; 1. First default : Each periodic statement did not include the information included by section 1637 ( b ) of this title is mailed or delivered to the consumer no later than 21 days before the payment due date. 

1a. This includes finance charges which is the sum of ALL payments INCLUDING late payments according to Section 1637 ( b ). No statement was given by the deadline, 21 days before the bill was due that included a " potential '' late payment fee prior to the payment was due.

Notice Title 15 U.S. Code 1605 Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit ..., This is a notice of default and an opportunity to cure for XXXX XXXX as the affidavit sent in support of my claim was not rebutted and my demands in cease and desist were not met as failure to provide the information required by TITLE 15 U.S. CODE 1666b. This is an opportunity to settle this dispute by providing my request of remedy due to the wrongdoings against me ( Violation of TITLE 15 U.S. CODE 1666b ).
Product: Debt collection

This debt collection company has called my phone repeatedly for over a year now. When told that I am not the person they are looking for, they lie to me and say they will remove my phone number. They continue to call and this time they called me past XXXX. I am fed up with this unprofessionalism. Their phone number shows as Midland Credit XXXX. Blocking their phone number does not work, they always get another number to call and harass you.
Product: Checking or savings account

I was a victim of check fraud for over {$25000.00} and my bank has notified me that they will NOT be crediting all of my money back. The following is a summary of what happened : On XX/XX/XXXX I visited my local branch of Webster Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I went to the bank to cash a check. I also went to discuss not receiving mailed statements and to get help with not being able to access my account online as well. I was informed that the banker had stepped out for lunch and would be returning shortly. The banker returned about 10-15 minutes before closing and requested I return another day since there wasnt much time before closing. I revisited the bank the following Saturday, XX/XX/XXXX. I met with the same banker and I explained the three problems I had to address. One not receiving monthly statements, two-not being able to access my account online and three-my account balance being incorrect from a teller receipt that I got that day. We were quickly able to determine I was a victim of fraud because the payee, dollar amounts, and other details were changed on two of my personal checks. I DID NOT write the checks to the people listed on either check and I DID NOT write the dollar values now shown on the checks. It was crystal clear they were fraudulent checks and the banker was in total agreement. The original checks were mailed out as payment for a XXXX XXXX XXXX bill and for a XXXX XXXX payment. The original check amount for the XXXX XXXX XXXX bill was {$110.00}. The altered payee was an unknown person, and the altered amount was {$16000.00}. The original check amount for my XXXX XXXX bill was {$1100.00}. The altered payee for that check was an unknown person and the altered amount was {$8900.00}. I left the bank and immediately stopped by my local XXXX XXXXXXXX. and filed a police report for check fraud. I also filled out an Affidavit of Unauthorized Checks and Forged Withdrawals provided to me by the banker. I had to wait about 4 days before I could bring the paperwork to the banker because the bank was performing a computer systems upgrade that Friday and Saturday, XX/XX/XXXX and XXXX. I had to delay filing my documents to XXXX, XX/XX/XXXX because I was informed there were some lingering computer issues on Monday, XX/XX/XXXX. When I did submit all my paperwork on Tuesday, XX/XX/XXXX the banker notified that the funds of the two checks would not be available to me until the bank had conducted their investigation which would take at a minimum 90 days. Although I expressed my objections over the length of time, I was told that this is the procedure that must be followed and there was nothing I could do. In conclusion here I am, 3 agonizing months later, after which I was notified by letter received I think XX/XX/XXXX. Webster Bank concluded that my claim filed for the fraudulent check in the amount of {$16000.00} was accepted BUT my claim for the fraudulent check in the amount of {$8900.00} was denied. I will attach this letter to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX