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

The following has been reported on my credit report without written consent. On XXXX XXXX XXXX XXXX XXXX XXXX reported XXXXXXXX XXXX XXXX XXXX XXXX dollars. They also reported XXXX XXXX XXXX dollars  on on XXXX XXXX  On XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX XXXX  dollars. On XXXXXXXX XXXX, XXXX XXXX reported XXXX XXXX XXXX XXXX dollars and XXXX reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX Experian XXXX : Rebuttal to XXXX Response Regarding Debt Validation Account Number XXXX Dear CFPB and XXXX, This letter serves as a formal rebuttal to XXXX response dated XX/XX/XXXX, to my debt validation dispute concerning account number XXXX. While XXXX correctly identifies itself as a debt collection agency and not the original creditor, their response lacks the crucial documentation needed to validate the debt. 

XXXX claims to have sent a validation notice on XX/XX/XXXX. I request concrete proof of this notice, including a certified mail receipt or other verifiable evidence of delivery to my current address, XXXX XXXX XXXX XXXX XXXX CA XXXX. I have no record of receiving such a notice. Failure to provide adequate proof of a properly delivered validation notice constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, the provided account documentation was heavily redacted. I request immediate delivery of *unredacted* copies of ALL documents relating to account number XXXX, including but not limited to the original agreement with XXXX XXXX University XXXX XXXX debt assignment contract transferring the debt to XXXX, and a detailed statement of account showing every charge, payment, and fee applied to the account. 

I remain unconvinced of the debt 's validity and the accuracy of the reported amount. The information provided by XXXX  is insufficient to satisfy the requirements of the Fair Credit Reporting Act ( FCRA ) and the FDCPA. Until complete and unredacted documentation verifying the debt and the accuracy of the reported balance is provided, I request that this account be removed from my credit report. 

I look forward to your prompt response and the provision of the requested documentation within the legally mandated timeframe. I will consider further action, including legal recourse, if necessary. 


Sincerely,
Product: Checking or savings account

On XX/XX/2020, I opened a " Money '' account with SoFi. The " Cash Back Terms '' for this account said, " For each eligible transaction made within 60 days of the date your new SoFi Money Account is opened, SoFi will credit your account for an amount equal to 5 % of each eligible purchase, up to a maximum of {$100.00} during the Promotion Period. '' By XX/XX/2020 ( well within the 60-day limit ), I had made more than {$2000.00} of eligible purchases, meaning that I should receive {$100.00} cash back. SoFi has never credited my account with any cash back ( see account history ). 

On XX/XX/2020, XX/XX/2020, and XX/XX/2020, I chatted with SoFi to try to resolve this issue ( see various transcripts ). On XX/XX/2020, I was told that I met all the requirements for the {$100.00} cash back, and each time I was told that SoFi was working on the problem and that it would be resolved in 10 business days ( after XX/XX/2020 ) or 3-5 business days ( after XX/XX/2020 ). But even after all of these communications, SoFi has still not credited my account with the {$100.00} cash back. 

I am uploading the terms of the account ( XXXX Sign Up Earn 5 % Cash Back SoFi XXXX ) ; chat transcripts from XX/XX/2020, XX/XX/2020, and XX/XX/2020 ; an email showing that a ticket was created on XX/XX/2020 ; and an account history showing all transactions on the account to date ( XXXX Account History SoFi - XXXX ).
Product: Student loan

Mohela continued to process ACH payments from the checking account after the student loan was paid in full and Mohela 's ( documented ) awareness the loan was already paid in full.

I have contacted Mohela numerous times, using Mohela 's forms, to request a refund of overpayments. Mohela is unresponsive. As my loans are paid in full, Mohela has blocked access to their online platform and/or customer service representatives.

I bring this to the CFPB as Mohela is incompetent and this refund is long overdue. 
Thank you in advance for your kind attention. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

When the new XXXX plans rolled out, I thought my payments would be automatically recalculated according to the new rules, which would have resulted in a lower monthly payment for me. I was previously on the XXXX plan, which had calculated my monthly payment to be {$310.00}. After my plan was rolled into the XXXX plan, my monthly payment stayed the same but I was placed into forbearance. I submitted a new IDR on XX/XX/XXXX in the hopes that it would update my payment amount. Forbearance will be done on XX/XX/XXXX, which is when my next payment is scheduled to be auto-charged. MOHELA has still yet to update my payment amount and if they dont, I will be left paying more than I should be. I have tried calling but due to my work schedule, I can not be on hold for hours and hours at a time. 

Further, I had a name change due to being married so I submitted the documents to get my account name changed. I submitted on XX/XX/XXXX then again on XX/XX/XXXX. The name discrepancy due to this name change not being processed has me worried that my IDR recertification will not be processed. 

Its not right that they processed my auto debit paperwork BEFORE processing my IDR recertification, especially with no word or update on the status of the recertification. Overall, it seems like a suspicious practice.
Product: Mortgage

My home was sold and I received an email on XX/XX/2019 from Ditech stating that there was a surplus of funds in my escrow account and a check would be mailed to my billing address. I checked my online account and it showed Date:XXXX Description : Escr Surplus Ref Check # XXXX Escrow amount : ( {$2800.00} ). I called Ditech on XX/XX/2019 @ XXXX to verify information. I was advised the check was mailed to the property that had been sold. I have had previous issues with Ditech regarding addresses as I have not lived at the property for a few years, and reside in 2 states away currently. The representative advised that they could not cancel the check and reissue until 30 days had passed, and advised I have a family member pick it up from the house for me ; which none of my family live near the house even if I was willing to ask it of them. I updated my address with the representative at that time to ensure they had my current one on file. 
I called back on XX/XX/2019 @ XXXX and was asked to call back on XX/XX/2019. 
Called back on XX/XX/2019 XXXX, and original check was cancelled and new check was to be reissued. 
Called on XX/XX/2019 @ XXXX to verify check was reissued and mailed, when to expect the check, and was advised 5-7 business days. 
Called back XX/XX/2019 @ XXXX and was told I should receive check no later than XX/XX/2019. 
Called back on XX/XX/2019 because I had not yet received the check and was asked to give it a few more days. 
Tried again on XX/XX/2019 @ XXXX and was told Was told issue is being escalated to a supervisor and I should receive a call by Friday ( XX/XX/2019 ) Did not receive a call from a supervisor and called back on XX/XX/2019 @ XXXX XXXX. Was told check would be cancelled and reissued again. I inquired about alternatives such as direct deposit, or if it could be expedited or include tracking and was told none of those options were available.
Product: Checking or savings account

I opened a savings account and checking account with Capital One banking. On XX/XX/XXXX I asked my mother XXXX XXXX to transfer XXXX from a joint savings account we shared at XXXX & XXXX XXXX, to the Savings account at Captial One. My mother has in the past paid my credit card that I have with Capital One from her checking account because I did not have phone access at the time. on XX/XX/XXXX she transferred XXXX from our joint savings account to her checking and then on the same day she transferred XXXX from her checking to my savings at Capital One. She was not aware that a transfer could be done via savings to savings. Around XX/XX/XXXX I was contacted from Capital One that I had committed fraud because my name was not on the account that the money was being transferred from. I talked to many people at Capital One and was met with the answer I can never open an account with them again. My mother tried from XXXX & XXXX XXXX to resolve the issue but they told her it was on Capital One. I was told the money would be returned up to 90 days later. It has been 7 months and each time I call I get forwarded to a voicemail and then it does not let me leave a message.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is unacceptable and needs to be removed ASAP!
Product: Debt collection

Upon Reviewing my credit reports from all 3 bureaus I noticed some unexplained account and past due amounts as well as charge off 's. I started by reaching out to the said creditors and got no where with them. However, I did give them information they requested such as SSN, DOB and Phone number. I explained to them that I believe I fell victim to fraud and that my identity must have been used by an unknown source. They claimed that they would investigate and follow up with me. I waited a minimum of 30 days and I still never received anything from the said creditor and to my dismay XXXX and XXXX years later I see these items are still reporting to my bureau 's. I reached out via phone to all 3 Bureaus ( XXXX, XXXX and XXXX ) and they have since noted on all of my bureaus that the information has been verified and meets FCRA guidelines. I still to this day do not know how this is possible. I followed everyone instructions and did as requested from Police Reports to putting a block on my file and still nothing has changed! I demand the items to be removed once and for all.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Credit reporting or other personal consumer reports

There are multiple credit inquiries on my credit reports that I did not authorize 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 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 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 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 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 XXXXXXXX, XXXX
Product: Credit card or prepaid card

After Offering Me A Pre-Approved CareCredit Card, On XX/XX/2021, Synchrony Bank Denied Me For Not Wiling To Send Them A Photo Of Myself Which Was Never Stated In The Terms Of Pre-Approval. 
Synchrony Bank Declining Me For This Reason Which It Never Advertised As A Requirement In The Pre-Approved Offer Affected Both My Credit & FICO Score. 
This In My View Is An Unfair Business Practice.
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 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 and list of Inquiries XXXX U.S.C XXXX681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Debt collection

Arete Financial Freedom ( Debt Pay Gateway ) had agreed to pay our credit card debt and take out a monthly payment plan to pay our creditors back. All was good until the debt had all been paid back and the company keeps taking money out of our account. We have fully paid Arete back ALL the money for our debt and a settlement was made on all our accounts and paid FULLY on XX/XX/XXXX. 

We have made a lot of phone calls to the company, there is never an answer and we have left a message every time we have called. NO ONE calls us back. I have even sent an email message through their online portal requesting the money back, again, no answer. 

Money was taken out after final payment again on : XX/XX/XXXX for {$670.00} ( monthly payment they owed us back for over payment ) XX/XX/XXXX for {$25000.00} ( which was to pay the debt-amount above should not have been taken and they agreed to give it back to us ) XX/XX/XXXX for {$670.00} - monthly payment that should NOT have been taken out because debt had been fully settled and paid. 

I have documents showing on their online portal that our account holds a positive balance of {$1200.00}, which is the amount they OWE us. It looks as though their is an FTC Restraining Order on the Company as of XX/XX/XXXX. PLEASE help us get our money back!
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. 

Account Name : 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 and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

XXXX I submitted a complaint on XXXX for Discover Financial Services. After I submitted the complaint I received correspondence from XXXX on XXXX. This letter explained that XXXX XXXX was looking into my concerns. It also explained that if I have any questions or need to provide additional information to call him at ( XXXX ) XXXX. 
I have called and called to talk to XXXX just like his letter told me but to no advance on my end I have yet to even speak to XXXX XXXX. I have left message after message with my name number an reason for the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report there seems to be some type of bank card in XX/XX/XXXX in my credit journey and I only ever issued one credit card in my name in XXXX of 2021 Im not sure what this could be and why its effecting my credit
Product: Debt collection

My compliant is not only that the amount reported to the credit bureau may be incorrect but that they have misrepresented the information on the account which has led to miscalculating how long it remains on my credit report. 

Therefore, I am not sure that any of the information is correct since the account has been clearly reaged before reporting to XXXX credit bureau. Now causing it to be on my credit report for longer than 7 years. 

History : The original debt of {$300.00} for a Catherines credit card managed by Comenity bank. Due to financial and medical hardship, I became delinquent with this account in the summer of XXXX ( around XXXX ). It went into collection status and although I tried to make periodic payments to the collection agency which totalled to about {$900.00}, there was still a remaining balance due to their continued increases in the amount due which was very questionable when the original debt was only {$300.00}. However, I believe Comenity may have held it for a long time causing the tremendous increase in the amount due. 

The other issue is that when XXXX bought the debt in XX/XX/XXXX they may have reaged the delinquency date by reporting it as a new delinquency account after buying the debt from Commedity bank in XX/XX/XXXX. As a result, it makes it look like the delinquency date started in XX/XX/XXXX rather than in XXXX of XXXX when the account was with Comenity bank. 

As a result, this has manipulated the date of removal and/or how long it stays on my credit report with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX