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

I opened a SoFi high yield savings account in early XX/XX/XXXX. The account was opened by transferring {$500.00} from another account. I then mobile deposited ( XXXX ) checks which were XXXX each. One of those checks was processed the other was not. I then found out that SoFi had contacted my corporate office to verify the undeposited check and spoke with one of the front desk administrators who couldn't confirm the check, so she asked for the SoFi fraud rep to email a copy of the check, which SoFi proceeded to do. This feels like a violation in and of itself but anyway without the confirmation SoFi communicated with me that they could not accept the 2nd check deposit. 

At that point I requested they remove the check hold and forego the deposit, which they had no issue with and made a note in their system. However, they proceeded to call my corporate office multiple times over the following days. I ultimately deposited that check into another savings account with the plan of transferring to SoFi once it had cleared.

I thought all was fine after this, in fact my app showed that the first check had cleared, and the funds were available. However, fast forward a couple weeks to XX/XX/XXXX when I went on my app to transfer funds to my SoFi account there was a " restricted account '' message shown requesting me to " call for more information '', which I did. The initial call was placed on XX/XX/XXXX at about XXXX. The rep communicated that there was a " member violation of the terms and conditions '' and the account was pending closure, but they could provide no further information and told me to call back during daily business hours. 

I called back XX/XX/XXXX and received the exact same information. Upon hearing this I asked for a XXXX or someone that could provide more information and I was told there are no one else available and that i would just be provided the same information. 

When I asked how long it takes to lift the restriction, they stated it would not be lifted as the account would be closed due to the violation. When I asked how long that takes, they replied " I don't know '', I stated you mean it could take a day or 6 months and they replied, " it could ''. When I asked how I get my money out, they stated I couldn't until the account was closed and that I would be notified via email. 

I called a few hours later and the rep communicated all of the same information and that it was under investigation, and they had no information other than what was provided to me and until I received notice there will be no further information. 

I googled this issue, and it appears this is a common practice of SoFi, they accept deposits, clear them and then place restrictions on the accounts of which many people had prolonged wait times and or still waiting. This is extremely frustrating and goes against most if not all their branding and marketing materials
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting company used my report improperly, I have no relationship and or contract with the referred company.
Product: Credit reporting or other personal consumer reports

I have, for the past week, been trying to use the Equifax online website registration service to attempt to create an account and let me put a credit freeze on my account. I've put a credit freeze on my accounts at XXXX and XXXX already very easily without hassle online in less than, but Equifax will not let me put a freeze without making me mail them copies of a State ID and SSN and State Form. This is dangerous since it gives the people that have my info public the chance to use my information while I wait XXXX or more business days for Equifax to even get back to me. Why am I able to easily put a freeze with XXXX and XXXX, but not Equifax? This is completely unacceptable. I refuse to have to go through this much effort just for the chance to be able to protect myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

For months since XX/XX/2018 I have been disputing and following the law to have these items removed and each company reporting on my report has yet to validate their search upon request in accordance to the federal law as required which is a violation of the FCRA & FDCPA. 

I requested that each company please provide me of an original signature or any proof binding me to any debt with them they claim I owe in accordance with federal guidelines and each company has failed to do so after about 6 challenging attempts. 3 from myself 2 from XXXX XXXX and another from XXXX XXXX The XXXX XXXX XXXX. 

Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I have requested that each organization reporting derogatory items and negative closed accounts please prove this to me as I do not recognize or claim any accounts to be mine. 
Furthermore I have given them more than 30 days to respond accordingly and they have yet to respond proving or validating the debt within the 30 days required by law. 

The first challenges went out on XXXX XXXX to XXXX XXXX XXXX for {$720.00}, There was a challenge for a XXXX balance as a charge off with them as well. XXXX XXXX also showed a {$720.00} balance along with XXXX XXXX with a balance of {$430.00} and Portfolio Recovery for {$680.00}. 

I disputed each item and requested for proof my original signature as validation per the federal law requires within a 30 day period for I did and still do not recall such accounts. I informed them that failure to do so in accordance with the laws provided to remove any debt bearing my name on my credit report from their credit profile and to remove any negative item from my credit report. 

They responded with letters within the 30 day period saying that the debt was valid and their investigation was verified yet did not provide proof within 30 days of the initial letter as requested such as a signature binding me to the debt as the law requires. 

The second challenges went out on XX/XX/2018 to the same companies listed above for the same amounts and their responses were the same still failing to provide me with any type of proof validating the debt as the law requires. 

The third challenges went out on XX/XX/2018. As a final goodwill attempt along with More challenges sent out later via credit repair services between the months of XXXX 2018. 

Yet again these companies have within the 30 day span upon the initial challenge failed repeatedly to act in accordance with the law and have been in violation of the FCRA & FDCPA. 

I too requested Validation they have yet to prove it. 
Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Product: Credit card or prepaid card

Hi, Its regarding credit card disputed i opened with Citibank Credit Card. I got my car repaired and paid XXXX USD using Citibank Credit Card.

Since, i got this repaired from a local garage shop where I never received any written guarantee nor the car is working what i paid for, i opened up a dispute for that transaction for as " bad service '' to claim back XXXX  USD.

Citibank understood my issue, acknowledged but I have a feeling that they never took it to a next level and rather I was always asked to generate papers and documentation to fight for it and prove that I have had bad experience with the purchase.

The dispute was opened by on XX/XX/2018. They on XX/XX/XXXX, rejected my claim saying that they can't do anything and could not get the amount credited for my disputed charge from the merchant and marked the investigation as Done.

As XXXX USD is a substantial amount for me, so i decided to reach out here to find out if there is possibility of my request of dispute could be worked out. I am claiming back the whole XXXX  USD however I am claiming the amount which I should not have paid for.

When i received my car back, it was working as expected however I can't even take back since I didn't got a real receipt, any written warranty, no bills of the parts installed, and i paid for every minute they spent on the car checkup - this makes me feel not try that anymore.

I am requesting if CFPB could help informing Citibank to help me with this dispute case. I pay my bills on time, i have a good credit, etc. This was just a bad experience for me and seeking for a fair response in this case.

Thank you!!!

D
Product: Student loan

I was struggling in my youth and forced to allow my student loan to go into default status. One day I received a phone call that allowed me to get my loan out of default status with income base repayment options. I was told that all the fee 's would be removed from my account upon completion of the payment agreement.

**First Issue** However, after my loan became in active status, I noticed that I was being charged all the interest which had accrued from the time my loan defaulted to present. I have payed on my interest for several years and it was all going towards back interest from within that period.

**Second Issue** I have made at least three request for an unofficial ammortization schedule for peace of mind. I needed to understand how this institution were able to determine my payment amount when all my payments were being applied towards back interest. This financial institution ( XXXX ) denied every single request to provide me with a letter of ammortization for the loan. 

**Third Issue** After reviewing my account today I noticed that all the interest previously on my account has now been capitalized and applied as principal on the loan.I thought that legally interest had to remain seperate in order to prevent interest accruing over interest. Especially since I have made all my payments as scheduled according to the lenders terms. 

**Conclusion** I believe that XXXX needs to be investigated for attempts on misapplying my student loan repayment and the initial loan documents/terms needs to be evaluated.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX # XXXX XX/XX/XXXX XXXX {$88.00} XXXX XXXX XXXX XX/XX/XXXX -- {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$3600.00}
Product: Checking or savings account

Once again I recently filed a disputed I have been a chase customer had a checking account for 10 years plus. Never had any major issues. I had transferred money through checks through my other account 3 were returned because the transfer on other end got delayed but tried to rectify immediately with a cash deposit. Chase wrote a letter XX/XX/XXXX saying closing my account without even giving me a chance to fix same day other then that no notice given and again customer for years. I then call bank immediately where I am told they closed my account but again assured this will be fixed. i find out now Chase has closed that account and I can not open a new one after being told before I could. Its frustrating again a loyal customer had a checking account for over 10 years, my husband has personal and business accounts there. I I would think after having an account that long being a good customer and wanting to keep my business with them they would look out better for their customers especially after I was told on 2 occasions and assured my account wouldnt close and after it did that I could open a new one. The banker at the local branch who helped me was awesome. She went above and beyond even called the department I guess that closed it or would have had info and demanded they fix and even said you have a recording of where you told her to open a new account. I love everything about chase up until now and really want to keep my checking account with them. Hoping by getting to tell my side maybe someone high enough up in chase will care about its customers even the small ones to keep them and reopen account. I shouldnt be penalized for others mistakes. 
I have since this complaint done everything bank required deposited cash Thursday XX/XX/XXXX after infant was hospitalized or would have been there Wednesday it is now Tuesday XX/XX/XXXX and cash still hasnt posted after countless phone calls telling me account would stay open and restrictions lifted if I deposited cash here we go they said this morning closing account. I want fixed as promised and account ending in XXXX reopened and debit card reactivated. We have our kids school coming out XX/XX/XXXX everything is linked to this account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Immediate Deletion of Inaccurate Account from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of an inaccurate account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified an account entry that is inaccurately reported and must be removed promptly to avoid legal repercussions. 

The inaccurate account entry is as follows : Creditor 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I assert that this account entry is inaccurate and violates my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of this inaccurate account on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of this inaccurate account from my credit report unless the creditor wishes to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law. 

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditor and any consumer reporting agencies that continue to report this inaccurate account on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter. 

I demand that you take immediate action to delete the inaccurate account from my credit report and provide me with written confirmation of its removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter. 

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I gave my daughter {$160.00} to deposit in my account at the ATM with my debit card acct : # XXXX, however, she went to the drive-through window. Even though she did not have a deposit slip the teller took the deposit, there are two accounts, but the teller placed the money in the wrong one, which causes the account to go in the negative when my XXXX  XXXX XXXX check presented to the account. I discovered the problem on XX/XX/2018, and contacted the bank immediately, the funds were transferred to the correct account by the bank rep : however, they refuse to return the {$37.00} overdraft fee. I would be very appreciative if you could assist me in recovering this fee. Thank you in advance. 

XXXX XXXX
Product: Credit card or prepaid card

I accepted an offer for a balance transfer to my checking account for {$4900.00} with {$98.00} fee. This was charged to my account twice on XX/XX/XXXX. This double billing put me over my credit limit by {$5000.00}. I knew that with that showing on my account they could report it to the credit bureau which would very much impact my credit score and cause other companies to raise my interest rate. I contacted them immediately by phone. The first person indicated it would be corrected within 24 hours. It was not. I called 4 more times and each time I was given different information. The 3rd call I got a case number and told it could be 7-10 days to correct. I sent 7 emails to their secure email with none of them being read. I faxed the information providing copies of the double posting ... no response. I knew my statement would drop on the XX/XX/XXXX and it automatically goes to the credit bureau. I had to take every penny I had and pay my balance back down to the credit limit to prevent it from showing up as over my credit limit so the balance transfer hurt me much more than it helped. Now I've been informed it'll be another 25 business days before they can give me their " outcome '' decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( date issued XXXX file # XXXX ) has violated the FCRA by reinserting XXXX XXXX XXXX XXXX XXXX XXXX back onto my credit report without the 5-day notice.

I was not notified as a consumer with a written notification within the 5 business days. This is against the FCRA. 

Experian and XXXX as well
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am a victim of identity theft and that I wish to query certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear : Who it may concern, This is information thats on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting for information to deleted.

15 USC 1681- ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681- ( b ) Reasonable procedures- It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Remove accounts immediately or I will follow up with an invoice of several violations. 

REMOVE ALL INQUIRIES ALL DEPARTMENT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was 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 update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} XXXX XXXX XXXX Balance Owed : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the information on my credit report for date opened and they will not change it. The date that they have listed is the day they bought the past due balance from XXXX XXXX XXXX. By law the date opened is the date global opened the account. If the date was made correct it would be past time to be off all my credit reports. Also i would like them to provide me with a copy of the contract of original loan from XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint .This fraudulent, inaccurate, and false information consists of a few accounts : ACCOUNT NAME : XXXX original creditor! bought by debt collector XXXX ACCOUNT XXXX DATE OPENED : XX/XX/year> ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX bought by Complete XXXX XXXX ACCOUNT NUMBER : XXXX DATE XXXX HARD INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud