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

I am lodging a formal complaint against Social Finance , Inc. ( SoFi ) due to their failure to honor a {$300.00} direct deposit welcome promo that I rightfully qualified for in XX/XX/XXXX. According to SoFi 's terms, this promotional bonus was supposed to be credited to my account within 25 days after the direct deposit verification. 

Since I met the qualifying condition with over {$5000.00} deposited in XX/XX/XXXX, I have been in consistent contact with SoFi, following up on a weekly to bi-weekly basis. Despite the numerous inquiries and the considerable time invested in communication with SoFi 's customer service, my efforts have not resulted in the promised bonus being credited to my account. 

The interactions have involved various representatives of SoFi, each confirming my eligibility but failing to resolve the matter. The inconvenience and financial and moreso the time impact due to this ongoing issue are unacceptable and significant. 

As of XX/XX/XXXX, several months have elapsed, and the situation remains unresolved despite SoFi 's repeated assurances. This situation has diminished my trust in SoFi 's promotional campaigns and their customer service 's ability to effectively resolve customer issues, resulting in me transferring my direct deposit for XX/XX/XXXX to a trusted bank instead of Sofi.

I kindly request that the CFPB intervene and conduct an investigation into this matter to ensure that SoFi fulfills their promotional obligations and prevents similar situations from occurring to other customers. 

I have many screenshots of my communication with SoFi, evidencing my continued effort to address this problem and their acknowledgment of the issue. 

Thank you for your attention and assistance with this matter. I am ready to provide any additional information needed to facilitate your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Product: Checking or savings account

They had closed my account due to some fraud related which was later found out it was not fraud and they said my bank account would be closing on the XXXX and then the XXXX but nothing had happen they keep saying we can talk to the risk department and that no one can do anything I have gone in the bank and she the branch manager who told me to come get money on the XXXX an nope they still keep saying its in the process its should have been done week ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request from XXXX XXXX XXXX for debt validation and the company was unable to furnish evidence that the balance or the account itself was a valid entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed with the bureaus on XX/XX/2022, and XX/XX/2022 but they did not remove the items below. 

Sec. 602 FCRA States " I Have A Right To Privacy '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently disputed this account in XXXX of XXXX  and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 

XXXX XXXX with account # XXXX Delete this erroneous account IMMEDIATELY! 
Collection account from XXXX with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX XXXX XXXX XXXX XXXX  with account # XXXX - Delete this erroneous account IMMEDIATELY! 
XXXX XXXX Installment account with account # XXXX - I have never been late or missed payments on this account! Provide me provide me with records of all payments made or missed on this account.
Product: Mortgage

BAC LN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX This short sale was started on XXXX XXXX, XXXX. 

The seller is DEAD - has been since XXXX XXXX, and Bank of America was provided the Death Certificate of the Seller, the Death Certificate of the XXXX Successor Trust Deed, and the Sellers Trust Docs ON XXXX XXXX, XXXX ******THESES WERE PROVIDED IMMEDIATELY UPON OPENING THIS SHORT SALE *********THE ISSUE WAS RESOLVED WITH BANK OF AMERICA AT THAT TIME ************ PLEASE SEE ATTACHED DATABASE NOTES - pages XXXX and XXXX *****************PLEASE SEE ATTACHED APPROVAL LETTER Now, however, Bank of America does not have the correct social security number in their system and they refuse to change it even though they have had a copy of the death certificate for 5 months. 

Bank of America has also taken it upon themselves to change the 'name ' of the seller t something that Title is NOT held in. There is NO SUCH THING AS ''The Estate of XXXX XXXX XXXX XXXX but bank of America refuses to speak to an authorized third party unless they say " The Estate of ... ... '' -- This can not possible be legal. 

Also - Bank of America refuses to talk to me even though I have been authorized on this file for 5 months - AND HAVE AN APPROVAL ON THIS FILE. 

Bank of America has decided for no valid reason that they will give us to cancel the short sale- This IS AFTER THEY HAD ALREADY ISSUED A SHORT SALE APPROVAL WITH US XXXX 

Bank of America has decided for no valid reason that they will give us to DELETE ALL the information we have previously provided to them - This is AFTER THEY HAD ALREADY ISSUED A SHORT SALE APPROVAL WITH US. 

THIS IS UNACCEPTABLE. No wonder Bank of America has received the most CFPB complaints since the creation of the CFPB in XXXX. XXXX does n't even have as many complaints as Bank of America, and XXXX does most of their servicing in third world countries with people that can barely speak English. 

It is pathetic that Bank of America has more complaints than a third-world servicer.
Product: Debt collection

Original creditor XXXX XXXX XXXX was paid by XXXX for services rendered as a result of on the job injury XXXX. All attempts to contact creditor or collection agency, Credit Bureau Service, have gone unanswered. XXXX records show that debt was paid in XXXX yet report of debt is being charged to my credit report and is still being shown as a derogatory remark against me after numerous attempts to have this error corrected. Individual credit is far too important to allow reports that are inaccurate to remain on individual reports until accuracy and periodic review for fraud by those who report can be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have read that under the FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

My house was originally for sale, and myself and the buyer were supposed to close on XX/XX/2020. The deal fell through because of my buyers financing. 

I called PennyMacUSA to inform them of what happened, and to express to them that I have every intent on paying them what I owed ; Although I was still planning on selling my home. 

I spoke with a young lady by the name of XXXX XXXX, and she informed me that I owed PennyMacUSA a total of {$5700.00} which included late charges and credit for partial payments. I told her that I did not have that kind of money on hand immediately but I could pay her a total of {$2500.00} right away to chip away at what I owed ; Leaving a total balance of {$3200.00}. 

We looked into some options to keep my home from going into default. She stated that I qualified for a repayment plan, and that I would be receiving a letter to show the terms of the repayment plan. When I received the letter it stated that I would have to pay a monthly total of {$2800.00}, for a total of 4 months ( XXXX-XXXX  ) ; With a final payment of {$2100.00} for the month of XXXX. 

I called PennyMacUSA and asked them how did my monthly payments get so high when I only owed them a total of {$3200.00}? My monthly payments originally were only {$1200.00}? She told me that the extra money would be applied to my principal. She asked me did I agree to the terms and I said NO, that the terms were not fair. She said that I had until the end of XXXX to change my mind about the repayment plan. I stated that I would try to come up with what I owed on my own, before agreeing to those terms ; The call ended. 

Now XXXX has rolled around, I paid off all of my other bills before I decided to deal with PennyMacUSA. I said to myself, " I will see what I have leftover, so that I can know what I need to borrow ''. When I checked my account, I noticed that PennyMacUSA had already deducted the normal payment amount out of my account. The only issue that I took with this, was that it was an unauthorized payment. When I spoke to an agent over the phone about this matter, she stated that I agreed to the repayment plan. I informed her that that was not a true statement, I remember clearly not agreeing to the terms. She repeated that I did, and that she had me on tape agreeing to the terms ; An argument ensued after that. I also still have the original repayment plan agreement that was sent, and that I never signed as well. 

Overall I feel as if they were just looking to take my home, and they never really wanted to work with me on a repayment plan in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordingly, as per the FCRA, you were required to conduct a reasonable reinvestigation. and ( modify or delete ) the disputed information as I requested before the end of 30-day period on the date on which you received my dispute complaint. ( XXXX and XXXX  ). Instead of sending me a response letter with my results of your investigation of the disputed information you closed out my complaint still with no resolution. 

XXXX {$0.00} ( NOT MINES, NEVER APPLIED FOR THIS ) SECURITY CREDIT SERVICES {$550.00} ( past due dates don't match, term dates, opened dates ). No contract provided in written with my wet sign signature. 

XXXX XXXX Account over 8 years and showing past due on a repossession, balances don't match and payment history. No written contract provided with my wet signature. 

Names not corrected. My name is XXXX XXXX XXXX, DOB XX/XX/XXXX and only address is XXXX XXXX XXXX. I have requested several times to have this updated. Also to remove any old telephone numbers Clearly, you have willfully failed to modify or delete the disputed information as i requested. In lieu of modifying or deleting the disputed information, you willfully failed to conduct a reasonable investigation of my disputes because it meets FRCA guidelines. 
However, your excuse or assumption is not a valid reason under the FRCA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irritant. Nor have you sent me a notice of such determination that complies with the FRCA. Furthermore, I directly disputed the completeness and /or accuracy of information contained in my consume file as per the FRCA. Your failure to reinvestigate is an intentional and /or negligent FRCA violation. 

As a result of you conduct as described above, you shall promptly ( modify or delete ) the disputed information. Additionally, as per the FRCA, you are liable to me for damages for you conduct. Thus, in addition to you ( modification or deletion ) of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. According to 15USC 1681N 9 ( A ) ( 1 ) any actual damages sustained by the consumers a result of the failure or damages of not less than {$1000.00} per violation. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

Within ( 14 days ) days. ( 1 ) ( modify or delete ) the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( XXXX ) send me the {$1000.00} check to my mailing address above. 

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

On Sunday, XX/XX/2019 at around XXXX XXXX., I applied online for a XXXX XXXX XXXX   home loan. After completing the online application, I received an immediate phone call back from a very helpful XXXX XXXX XXXX online loan officer. The loan officer told me that I had a " Security Freeze '' on my " Equifax '' credit file and that he therefore could NOT access my " Equifax '' credit file so that I could get a " Prequalified '' letter from XXXX XXXX XXXX   in order to buy a condo for my primary residence. The loan officer then gave me " Equifax '' telephone number to call of XXXX to call to instruct them to " lift my Security Freeze. '' So I then immediately did so. I initially talked with a lady who identified herself to me over the phone as " XXXX '' with a thick/heavy foreign accent that made her so-called English unintelligible to understand. She then asked me several " security questions '' of which she said that I had " Passed. '' Then " XXXX '' asked me some more questions about my " credit card balances. '' I told " XXXX '' that I had NO " credit card balances. '' Because " XXXX '' did NOT like my answer she told me that I had NOW " Failed '' the interview and that she could NOT lift my " security freeze!!! ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. This company is currently showing 30 days late XX/XX/XXXX ). I have read enough to understand my rights. Transunion is attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

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

On XXXX I XXXX XXXX the consumer, sent TRANSUNION, XXXX, and XXXX ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies =TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IMPROPER USE OR CREDIT INQUIRIES UnAUTHORIZED INQUIRES IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING COLLECTIONS
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXXXXXX, Bankruptcy XXXX XXXXXXXXdischarged : # Reference numberXXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My account was fraudulently charged!! Navy federal sent me this statement Thank you for contacting Navy Federal regarding the Credit card fraud claim submitted on XXXX on your Credit card ending in XXXX for the amount of {$13000.00}. My claim was denied for whatever reason!! I can not pay for charges I did not make. My purse as well as phone was stolen! Other cards were compromised as well as this one!! Navy isnt helping me! I am not paying for something I did not do! They denied a claim before as well that wasnt me. I cant do this again. I just want my money back!!
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX  to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX, I opened a SoFi checking account and signed up for the {$300.00} checking account bonus. To qualify, I had to receive {$5000.00} in direct deposits from my employer via ACH within 25 days of receiving my first deposit. I received my paychecks via ACH as follows : {$2000.00} on XX/XX/XXXX, {$2000.00} on XX/XX/XXXX, and {$1000.00} on XX/XX/XXXX, totaling {$5000.00}. I expected to receive the bonus in my account within XXXX  days, as it says in the terms of the promotion. However, the bonus never arrived, so I contacted customer service on XX/XX/XXXX. The agent told me the direct deposits were coded incorrectly, and sent a request to get them coded correctly so I could receive my bonus. I still hadnt received my bonus on XX/XX/XXXX, so I contacted customer service again. The agent told me it can take XXXX billing cycles to reflect on my account. I waited until today, XX/XX/XXXX, and the bonus still has not arrived. So, I contacted customer service again. They told me the direct deposits were coded as standard ACH and didnt come from a payroll provider, so I didnt qualify for the bonus. It doesnt say anywhere in the terms that the direct deposits have to be from a payroll provider. I work for a small company that does their own payroll, but they do offer direct deposit via ACH. I shouldnt have to jump through hoops to receive a simple checking account bonus. If this has been my experience, Im sure XXXX has done this to countless other customers.