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

On XX/XX/year> I received an email from my bank ( SoFi ) stating We take the safety and security of your account very seriously. In reviewing your SoFi Bank account, there appears to have been activity which indicates that the account may have been used in violation of the authorized activity guidelines described in your SoFi Bank Deposit Agreement. 
For your protection your account has been temporarily restricted. We sincerely apologize for the time you will not be able to deposit or withdraw from the account, transfer funds, or make purchases with your debit card. We need to speak with you to discuss your account details. 
Please call us at XXXX. If you reach our voicemail, please leave a message and a member of our security team will get back to you within 1 business day. We appreciate your patience while this process is completed. 
Sincerely, The SoFi Team So I called and they said that there is no information or ETA that I will have to wait XXXX XXXX XXXX XXXX and no funds means no medication or treatments they didnt care and I was hung up on on XXXX occasions
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX - XXXX
Product: Mortgage

I had trouble paying mortgage and I put it in a freeze came put of freeze payed wells fargo XXXX XXXX ti keep hone they said they need XXXX XXXX more I came up with XXXX XXXX and I was forced to short sale
Product: Mortgage

In XX/XX/XXXX I lost my job unexpectedly. Over the next XXXX months I spoke with my mortgage company about a loan modification once I was back on my feet and in a stable position. In XXXX we entered into a loan modification which was very odd. I had to make XXXX payments ( XXXX, XXXX, and XXXX ) before the modification was finalized. I set those payments up as online bill payments and they were sent to the mortgage company 's servicer ( XXXX ). In late XX/XX/XXXX I received Foreclosure Paperwork from the county court. This was a surprise to me as the payments had been send and the XXXX payment was due to be sent. I contacted XXXX immediately and received no real response other than they would look for them. I contacted Aura Mortgage in XXXX to attempt to resolve the issue with them as I was getting nowhere with XXXX. I offered to cancel the payments that had now been sent through XX/XX/XXXX and pay another way such as a wire. I have not received a response yet on that. I sent the online bill pay receipts showing the funds deducted and payment sent to XXXX on XXXX XXXX, XXXX and as of today I have received no response. On XX/XX/XXXX I filed a motion in XXXX XXXX XXXX XXXX XXXX for relief from judgement and to reopen the case. I would still like to work this out directly and have the modification done as agreed in XXXX. 

To date I've met my obligations per the signed modification paperwork, XXXX and consequently Aura hasn't.
Product: Checking or savings account

On XX/XX/2021 I got a loan in my personal in my business name weeks before i was to get the loan i called to make sure i wasnt going to have issue with the account i was told by 3 different staffs members of wells fargo i didnt need to add the business on my account it was okay which the funds was depoist on time no issues whatsoever until 48 hours on XX/XX/2021 my account closed. i called to see why and of course the loan i was told to bring my paperwork showing i was the owner and add the business it was a friday so i had to wait until monday i dont have a branch in louisiana had to travel a state over i called to see if i could still bring docs to show the business was mines now this rep talked so nasty and said they didnt that docs anymore no where written they dont take them i asked to speak with someone else stayed on hold again 4 hours than phone hung up called next day someone asure me again bring docs since my money is locked and the holiday another delay called XX/XX/2021 talked to someone this person was so nasty again she said they didnt take the docs hung up its a whole a lot of running around in circle with lies i have my docs its wrong no where they have written that im not suppose to get this money i need my money they should have never let the money come if it wasnt suppose too
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I contacted Experian about the inaccurate name and address reporting on my credit report. Experian refused to correct and allow my credit file to reflect my correct name and address.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial protection act. ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

i received a letter from my mortgage servicer stating that my " flood insurance had expired '' I have been with the same lender on the same property for over 5 years and NEVER had flood insurance, therefore it could n't have expired. I called them and told them their letter was in error. they responded that they will be putting a forced policy in place. they stated they sent me a letter of notice XX/XX/XXXX which I never received. I did receive a second and final notice on XX/XX/XXXX. I called them when I got it. they said the letter was in error, but that FEMA had notified them that I am in a flood zone. I called FEMA. they said " YOUR LENDER LIED TO YOU '' that they do n't notify lenders of such things. 
they continue to tell me that they will put the force policy on me anyway. I have been lied to here, and their entire premise is based on a false statement that my flood insurance expired!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I settled with XXXX XXXX XXXX for money owed on my XXXX XXXX XXXX. When speaking to them on the phone, I was assured that this would be a pay to delete scenario. As the letter received stated that my credit should be updated within 30 days, I followed up in XXXX of XXXX to file a dispute with Equifax. I submitted the confirmation letter from XXXX stating the account was paid. I called multiple times and received multiple answers as to what was going on. 
As of XX/XX/XXXX, I am STILL having issues purchasing a car because the charge off was not deleted from my account. 

Additionally, I have shared multiple times that my name is XXXX XXXX, NOT XXXX XXXX. XXXX is not a pseudonym, XXXX is a different person who now goes by XXXX XXXX.
Product: Vehicle loan or lease

I have a loan with SUNTRUST BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SUNTRUST BANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
Product: Student loan

I attended XXXX XXXX with the promise that I would be offered hands on training in the XXXX XXXX XXXX, have immediate job placement after or possibly during completion, and that my entire education would be covered by federal grants and loans. I was rushed through the financial aid process without any mention of the cost of enrollment, or the amount of loans being taken out. The promissory note I did sign did not list loan amounts or interest rates. Each time I asked the school, I was unable to obtain the information. It was n't until after transferred to another school, that I was told by another financial aid department how many private loans were taken out for me by XXXX XXXX. All of them were private loans, none of which can be consolidated to lower the interest rate. For a single semester, I was charged approx {$17000.00}. If my status had been correctly assessed, I would have been eligible for federal loans and grants. I could have even possibly used my Father 's XXXX. None of this was explained to me, I had no idea the loans I signed for were not federal. None of the credits I earned were transferable to any other institution- therefore my time and money were wasted. The instruction was not hands on, and the equipment and technology used by the school was outdated at best.
Product: Credit reporting or other personal consumer reports

In the quiet XXXX of everyday life, a sudden jolt shattered the XXXX  : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a XXXX XXXX of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of XXXX, a glimmer of XXXX emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 XXXX XXXX approved As a one-time courtesy, we adjusted your payment history, allowing us to remove the charge-off from your credit report. You will see these adjustments reflected when our updates are sent out for XXXX. You should have access to your credit line right away. 

Remember that this one-time adjustment is an act of good faith that you will keep your account healthy and submit your payments on time. 

I received an email because this company has been reporting negative balance when I have statements that funds were coming out of my bank account. XXXX XXXX still have not reported the positive balances and payments to all credit bureau. I will attach most recent statement from XXXX XXXX as well as the email for this company to report my current positive balance.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Equifax. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : High Credit/Credit Limit XXXX XXXX : {$10000.00} / {$7100.00} Equifax : {$10000.00} / {$0.00} XXXX : {$10000.00} / {$0.00} Inaccuracy Noted : There's a discrepancy in the credit limit reported. XXXX lists a credit limit of {$7100.00}, while both Equifax and XXXX show a credit limit of {$0.00}. 
Last Reported : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX Inaccuracy Noted : Equifax reports the last update almost a month earlier than XXXX and XXXX. 
Comments : XXXX : Charged off as bad debt Equifax : Unpaid balance reported as a loss by the credit XXXX XXXX : Consumer disputes- reinvestigation in progress Inaccuracy Noted : The comments vary significantly, indicating different stages or perspectives on the account 's status. While XXXX and Equifax indicate the account as a loss or bad debt, XXXX notes an ongoing dispute. 
Date of Last Payment : XXXX : XXXX Equifax XXXX XXXX XXXX : XX/XX/XXXX Inaccuracy Noted : There's inconsistency in the date of the last payment. XXXX shows a much earlier date, whereas Equifax shows a significantly later date, which might indicate more recent account activity that isn't reflected in the other reports. 
Date Last Active : XXXX : XXXX Equifax XXXX XXXX XXXX : XX/XX/XXXX Inaccuracy Noted : There is a significant discrepancy in the reported " Date Last Active '' across the three bureaus. XXXX reports a much more recent activity date than XXXX and Equifax Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ]. 
I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 
Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold this account to XXXX. I signed a contract with unified to delete this account. XXXX XXXX no longer have this account and still verifying this account.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX XXXX  that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Credit card

In XXXXXXXX XXXX XXXX  I had my personal info as well as my checking account info taken by someone. As a single income household at the time I wasn't able to make those payments in the latter months as shown on all 3 credit reports across 2 capital one accounts. I filed paperwork with the FTC and reported to the police and nothing has been done on their end to help me get the items affecting my report removed. I have since paid the account off.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from s

ection 1 637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and I t was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Debt collection

I disputed a debt on my credit report with Resident Collection for {$1200.00} with an open date XXXX XXXX, 2014 and it was deleted out of my XXXX credit file because the debt was n't mine well the company quickly put it back on my credit report using a different name but the same address the new name is Innovative Recovery Inc and they placed it in my XXXX credit report without notifying me of rights to dispute the debt before placing it in my credit file! They did n't give me a chance to dispute the debt or notice to dispute. Matter of fact I did n't know of this company until saw it on my credit report. It 's not my debt and they ca n't verify that it is so they are playing games by trying to use 2 different names with the same business address It was deleted from my XXXX credit file because it was n't my debt! I contacted the apartments from where the debt was supposedly originated and they said they have no record of me owning this debt and they fax a letter to verify that I did n't owe them anything at the time! So I do n't know how this collection is claiming I owe and the original creditor is saying I do n't!!! 
They are violating all kind of FCRA laws with these shenanigans! I want to explore the possibility of a class action lawsuit against them!
Product: Credit reporting

XXXX Bank XXXX XXXX XXXX offered me a XXXX credit card after financing a vehicle on XXXX of XXXX. I was told by XXXX Bank XXXX XXXX XXXX customer service that since I had been approved for the loan a hard inquiry would not be run on my credit when applying for the XXXX credit card. A hard inquiry was placed on my credit on XXXX XXXX XXXX. I have contacted XXXX Bank XXXX XXXX XXXX multiple times about the removal of the hard inquiry. I was promised it would be removed. Today I was finally told it would not be removed.
Product: Payday loan, title loan, or personal loan

I took out a payday loan on XX/XX/2018. The interest rate they are charging is 474.999 %, but the cap in NJ is 30 %. When I called and told them, they said it was a tribal agreement and does not apply to them.
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law

( TILA 15 U.S. Code 1666 ( b ) billing error ). Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. A FAIR RESOLUTION TO THIS TRAGIC INCIDENT WOULD BE FOR THE CREDIT REPORTING AGENCIES TO UPDATE THESE LATEPAYMENT ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three ( 3 ) recent inquiries ( XXXX XXXX XXXX, XXXX. - XX/XX/XXXX ; XXXX XXXX XXXX XXXX ( XXXX ) - XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ) that were not authorized by me or permissible in accordance with the Fair Credit Reporting Act, Section 604. Additionally, my credit file has been breached according to Equifax 's very own records.
Product: Checking or savings account

I received a call from someone claiming to be XXXX and they said my meter had to be replaced. I must have given enough information for them to hack into my bank account and they changed my password, added 2 phone numbers to my XXXX transfer service. {$240.00} was transferred via XXXX to a phone number then {$490.00} was transferred to another phone number. Once they saw this {$490.00} could go through, they cancelled the {$240.00} transfer then went ahead and transferred {$500.00} to a XXXX account. I am XXXX and retired so my daughter helps keep track of my accounts. She saw emails for everything happening and told me to go to the bank and informed me that none of this is real. I bank with Wells Fargo and I just got my Retirement check today, which is my only income. They would not let me have the rest of my paycheck in cash, they said they have to freeze and close the account and open a new account. They said I would not have access to the new account for 10 days and I may not get any of the money back. I thought my bank was supposed to help me recover from fraud. The least they could have done was let me have my last few XXXX dollars before freezing the account so we could eat this month. 

I've been with Wells Fargo my whole life and even took out a large mortgage with them. Twice along the way, they claimed I did not make my mortgage payment when I actually did, threatened to take my house away then charged me an extra payment anyways. 

And now I'm left with nothing after someone else chose to be a criminal?? 

I'm filing this with the State Attorney General as well.
Product: Debt collection

Conns home plus has been calling me relentlessly for 3 days. I spoke to them on thursday and told them ill make my payment when i get paid on XX/XX/year>. On saturday XX/XX/year> they called me XXXX times from XXXX to XXXX and 4 times from XXXX to XXXX. I spoke to them on the XXXX call of the day i told them i was at work anc could not speak today and informed them not to call me again this day. They hung up on me and continued to call an additional XXXX times from XXXX to XXXX. The XXXX in XXXX rules is XXXX calls in 7 days and no calls for 7 days after contact was made which was on XX/XX/year>. This is harassment and is interrupting my work this must stop. I asked them to stop and they have refused. I have attacked a screen shot of their calls to me for XX/XX/year>. There were XXXX calls on friday XX/XX/year> and have already been XXXX calls today XX/XX/year> and its only XXXX.
Product: Credit reporting or other personal consumer reports

I kept making payment to XXXX but nothing wouldn't resolve on my credit I still kept paying
Product: Debt collection

XXXX XXXX called several times from an unknown number and said he was going to come to my place of work or home to serve me court papers if I did n't call NCR,XXXX I called the number got no answer the next day a block number called me saying he was XXXX XXXX from NCR. I called the number back a lady answered but only said hello no company name or anything, she seemed nervous. XXXX XXXX got on the phone and said he was trying to collect XXXX for a debt. After talking with XXXX at NCR several times he said he had no idea who this XXXX XXXX XXXX XXXX is. The XXXX time I spoke XXXX XXXX explaining to him that I spoke with the debtor and they gave me the name of the of the collection agency and it was not XXXX or National Check Resolution. I asked XXXX XXXX who they purchased my account from and he kept insisting the original debtor. I told him no, that I already spoke with them and I was waiting on the Collection Agency who they gave my account to return my call. XXXX got angry and said I had till XXXX XXXX XXXX to get back to him or the courier service would serve me! I said you told me you have no idea who the are?? He the hung up on me!