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

I opened a cash management account at SoFi called SoFi Money. The deal which is to expire on XX/XX/2021, is that once {$100.00} is deposited, the account will be credited with {$25.00} and then if a direct deposit of {$500.00} or more is made, the account will be credited for an additional {$75.00} bringing the total to {$100.00}. 

On XX/XX/2021, I transferred {$100.00} from my XXXX XXXX XXXX account initiated at the SoFi Money website. During the same time, I received an email stating that if I made a total of {$1000.00} in direct deposits in 10 days, I would receive {$100.00} Confused by the change in the deal I called on Monday, XX/XX/2021, and spoke to XXXX who stated that the deal has changed many times and his understanding was that if a total of {$1000.00} was made thru direct deposit during any 60 day period in the account, that {$100.00} would be credited. 

On the next day, XX/XX/2021, I received an email from SoFi congratulating me on scoring {$25.00} since I opened a SoFi Money account and inviting me to open a SoFi Investment account.

It seemed that this reflected the original deal of getting {$25.00} upon opening a SoFi Money account to which {$75.00} would be added if I made a direct deposit of {$500.00} or more.

I asked for written confirmation and SoFi refused. 

I am tired of talking to people who have no control and are not responsible. I want SoFi to honor the original deal. I want the {$25.00} bonus deposited and I will direct deposit an additional {$500.00} to get an additional {$75.00} bonus for a total of {$100.00} bonus from SoFi for opening a SoFi Money account.
Product: Debt collection

According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately
Product: Student loan

I have an open request with EdFinancial Services to provide the contractual terms of my student loans with the interest rates set at the time of opening the loans ( XX/XX/2023 ). All of my loans are Federal Subsidized and Unsubsidized loans with set interests rates. 71 % of my loans have interests rates higher than before ( XXXX % points ). It is alarming that something as simple as a loan transfer would result in this many mistakes that can have significant and incorrect burden placed on the borrower. I would normally wait for resolution, but this very alarming for consumers. I will also contact my XXXX if this is not resolved swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having an ongoing problem with  XXXX  for the last year and a half, the more I fix my credit and increase my score, I have noticed each time they will go back in, find an old deleted or removed account and place it back on my credit report but they will just put it in a different catergory as if the consumers wo n't notice, this has happend to me at least  five  times, they have now taken an account that was removed and deleted from my report and placed it back on there but under Collections now, but item was removed awhile back,  XXXX  and Experian just follows   XXXX   and whatever they do they follow, the Items I 'm speaking of is   XXXX   XXXX   item was deleted from my report but have been placed back on by  XXXX , this has. Even going on for several years now.
Product: Student loan

Lots of fraud bu the university XXXX XXXX. Filled out a borrowers defense ad part of XXXX XXXX XXXX Considered post class but loans should be forgiven
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 


XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Closed on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Late 120 Days XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a ShopYourWay Citi Credit Card I opened a few months back. I was able to use it and make purchases fine for a few weeks but then it was locked for potential fraud. I called customer support and got that issue resolved, providing my info and verifying my transactions as requested. Card worked for another few days, then was locked again. I called customer support and this time was placed on hold on one line, while receiving a second call to verify my identity. Card was successfully unlocked and I requested that they please stop locking my card, and make note that this card was going to be see a high volume of transactions. Card was locked again within a few days, and was unable to be unlocked. Customer support was not willing to verify my information any more over the phone, and advised me that they would call back within XXXX hours to provide a pin of some sort to unlock my card, OR that I would receive a letter in the mail with the necessary info to fix my account. Neither such method of communication was received. I waited two weeks, more than enough time for either method of communication, and then called back and tried to get the hold removed, with no luck. Customer support advised that they would be sending a letter or calling me once again, however it has been another two weeks and I have still received no communications from Citi Bank. This is incredibly frustrating as no attempt to resolve my issues is being made by the bank, and support staff are unwilling to verify my card even with me willing to provide any info required.
Product: Credit reporting, credit repair services, 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 has violated my rights. 

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 reporting or other personal consumer reports

I have creditors on my credit report that I have not applied to get loans or services for. I have misinformation on my credit report because XXXX XXXX XXXX allegedly paid them off but they are still on my credit report. I have emails from various companies requesting information but it is sent to my email address but it's not my name. Someone else used my identity and is opening up accounts under their name sent to my email.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email Address : XXXX Telephone Number : XXXX True Link Financial XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Telephone Number : XXXX Re : True Link Financial, Inc Unlawful Use of XXXX XXXX XXXX XXXX XXXX File Account Dear Sir/Madam, I am writing to address a serious matter concerning my Experian Credit XXXX account and its connection to True Link Financial , Inc ( `` True Link '' ). My name is XXXX XXXX XXXX, hereinafter referred to as " the Complainant. '' On XX/XX/XXXX, I had discovered unauthorized activity onto my XXXX Credit File account, indicating that individuals may have utilized fictitious, similar, or identical names, and potentially altered their legal names to match mine, in order to establish True Link VISA accounts without my consent. 

It is evident that these individuals unlawfully accessed and misused my XXXX XXXX XXXX ( XXXX ), including my social security number, date of birth, address, and etc. to create these accounts. True Link has been complicit in this unauthorized activities by both improperly accessing my XXXX credit file account and reporting inaccurate information without my consent. This was noted on XX/XX/XXXX, and XX/XX/XXXX, wherein True Link falsely reported my legal residential address incorrectly that does not exist that perpetuate their fraudulent activities despite my lack of any association with True Links services. 

I must emphasize the severity of this breach and its implications for my identity security and privacy rights problems. I am demanding immediate action from True Link to close any VISA accounts linked to the misuse of my PII with XXXX. Failure to comply will result in legal consequences for True Link, as True Link business establishments are directly responsible for the breach of my XXXX Credit File account and subsequent identity theft issues. 

Furthermore, I am legally entitled to receive all pertinent information from True Link regarding the individuals who established these accounts using my PII without my authorizations. 

I urge True Link to take prompt and decisive action to rectify this situation and prevent any further harm to my personal identifiable information and credit reporting agencies accounts. Failure to do so will result in legal action being pursued to safeguard my rights and hold True Link accountable for your actions. 

Please refer to Exhibit A for additional details regarding this matter. 

Respectfully Submitted, XXXX XXXX XXXX
Product: Credit card

On XX/XX/year>, the CFPB banned excessive credit card late fees to {$8.00}. Helping the consumer cut down on paying late fee charges. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-bans-excessive-credit-card-late-fees-lowers-typical-fee-from-32-to-8/ Synchrony Bank did not adhere to the updated federal ruling. 

I will list the dates and charges of each late fee issued on my Discount Tires Store card : XX/XX/year> - {$30.00} XX/XX/year> - {$41.00} XX/XX/year> - {$41.00} XX/XX/year> - {$41.00} XX/XX/year> - {$41.00} According to federal ruling, I was overcharged by {$150.00}. My total of my late fees should have resulted in the amount of {$40.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCA has repeatedly attached 2 accounts to my social security number and refuses to remove them, validate the debt, show proof that they are allowed to collect in California. I am a victim of identity theft. One of these debts is from Georgia and the other is from Kentucky and neither of the names match mine. I have contacted them numerous times and they remove and then add it to my report again knowing that they are intentionally harming me with an unvalidated debt. Neither of the accounts that they attach to me belong to me and they are trying to collect on debts that are fraud.
Product: Debt collection

This account was written off as in charged off, and I never received an 1099 c cancellation of debts form. And because of that this account is an accurate and has to be removed.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act these creditors 1 : Chrysler Capital XXXX XXXX XXXX XXXX  has violated my rights 15 USC 1681 section 602 states : I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Year 2020 on XX/XX/XXXX, XX/XX/XXXX, and XXXX I filed a dispute with XXXX  and Experian for XXXX XXXX XXXX  and XXXX and it keeps coming back verified within XXXX days. 

I requested on XX/XX/2020 a method of verification from both XXXX for each item, I attached the past disputes, as well as the supporting documents from those creditors ; on XX/XX/2020 if was returned as verified from Experian and XX/XX/2020 it was returned as verified from XXXX. When it returned as verified it did not explain how with the method of verification that the creditor is providing the bureau. 

XXXX XXXX Bank is reporting inaccurate information on my credit file and I have provided both XXXX  and Experian with letters directly from the creditors showing that the information that is being reported is inaccurate. 

XXXX no longer holds this credit file and it is now being managed by XXXX . I have provided both XXXX  and Experian with documentation directly from the creditor. I have spoken with XXXX and they have advised me that they no longer have the account and they told me to contact XXXX . 

I have repeatedly over the past 2.5 months gone back and forth with these bureaus regarding this matter. I have requested a method of verification from XXXX  and Experian. They have both been unable to provide me with this information and is still reporting the 2 items on my credit report. The method of verification has not been provided at all. It is my understanding no investigation is being done and my documents are being ignored despite them showing and saying the documents and dispute have been received. The following 2 items XXXX XXXX XXXX  and XXXX need to be deleted immediately from XXXX  and Experian due to it being inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX {$9600.00} incorrect balance- Balance is Zero XXXX {$3400.00} incorrect balance-Balance is Zero XXXX {$5500.00} incorrect balance- Balance is zero The cards listed above have been paid and remain showing balances. I have contacted the credit company handling it which are all Citibank. They have acknowledge that they are paid in full and will not change that shows I owe them a balance. These accounts have no balance owed.
Product: Credit card

I was contacted by Alpha Tech on XX/XX/2016.I received a lot of phone calls concerning search engines, key words, algorythms I ended up signing up with them, I paid them {$3500.00} plus {$75.00} per month on my USAA Mastercard , I would like to dispute those charges made by XXXX last year on XX/XX/2016. They promised me a web page, on 1st page in 30 to 45 days all I received was a lot of phone calls from different representatives offering more services and asking for more fees stating in order that my business be successful I needed a new service. Needless to say my website never moved up and I never had a customer inquiry. They have n't done anything that they promised they would and if I had any question I could never get in touch with anyone but they would always call me to ask for more money for sure. I would like to get my full refund from TSE. And I would like to start a dispute on these charges please. They prey on the elderly offering services that you do n't need, they overcharged ( price gauge ) and you lied making promises that you could not fulfill.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to notify you that I, XXXX XXXX, have submitted an identity theft report at IdentityTheft.gov concerning a XXXX account that was fraudulently opened in my name without my consent. This account does not belong to me, and I am seeking your assistance in resolving this issue. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any fraudulent information removed from my credit report. I kindly request your assistance in ensuring the deletion of this unauthorized account from my credit report, as it is adversely affecting my creditworthiness. 

Thank you for your prompt attention to this serious matter.
Product: Credit reporting or other personal consumer reports

I received a notification from XXXX XXXX my student loans have increased over {$60000.00} recently. When I reviewed loans reported on my credit report it reports 11 different XXXX loans totaling over {$120000.00}. My student loans should be currently around {$67000.00}. I have tried to contact XXXX several times and credit agencies. However due to " long wait times '' and being disconnect it is impossible to speak to someone on where these loans are coming from. Also they are all different totals, not duplicates? This is reporting on all credit bureaus. Can you assist me, I have worked very hard to keep my credit outstanding and this is just unacceptable. I appreciate any help with this matter.
Product: Debt collection

I do not owe a balance with XXXX XXXX XXXX XXXX which Midwest Recovery is attempting to collect on behalf of. My son was recently seen as indicated on the receipt and the account is up to date.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX NUMBER RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my XXXX credit report, is the result of that trafficking. 

Accounts : Account numbers : Date Opened : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I have attached a copy of my SSN card, Valid IDs , and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need XXXX to say or write me and say they could not verify me or my account.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX or XXXX XXXX  if the consumer has provided documentation of trafficking to the agency. I have attached a documentation of my self-attestation to you Transunion. Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Prepaid card

I had a BBVA Compass clearspend debit card. My debit card was hacked on XX/XX/XXXX we 're by someone was trying to charge funds to my card I reported this to BBVA Compass and they said they 're going to send me another card on the XX/XX/XXXX. I talked to them again and they explain to me what happened someone had evidently copied my card from what they supposedly said I swiped it at a pump, but I do n't remember swiping it at a pump. She said that the charges were coming out of XXXX. I called BBVA Compass again on Monday and they told me that my account had been closed and that they were not going to activate the new card that I have received from them. By this time I am a week without money. I went to a nearby Compass bank and ask them what they just release my funds to me and get so that I can have my money. I 'm they call someone in an office who said she was doing some expedited function which did n't really get me anywhere. I called them back on Wednesday and talk to someone and she said that account was closed and that she could do an expedited function and have me a check mail I asked her why when the person who said they were giving doing an expedited function on Monday did n't say anything about mailing me my money Monday in a check. She said she did not know. After talking to them I remember it that this may be the account that I set up to receive my tax refund on so now I am going to be without that money because they decided to close my account.