23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PerdueBrandonFielderCollins & Mott, LLP sent a collection big red post card with 2 Docket # s and a dollar amount of {$810.00} all visible for anyone to see as well as stating I would be subject to an arrest roundup if I didnt pay by XX/XX/2019. Besides putting this information out for everyone to see causing humiliation the amount owed was incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this complaint AGAIN to delete the following fraudulent accounts in my file that are reporting on Transunion Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}
Product: Credit card

On XXXX XXXX, 2016 I received a correspondence from Bank of American stating that my credit card account ( XXXX ) is being closed by the bank for irregular activity. My credit line is {$47000.00} and I made a small purchase around {$3000.00} at a local liquor store. I called and spoke to a manager in the credit department and what I was advised was that the merchant where I used it at was a red flag, therefore the bank decided to close my account, and final decision is that they will not be able to reopen my account. I feel that my credit card account is being closed for a reason that is out of my control, and it has nothing to do with my credit, nor financial status. I believe no individual has control and knowledge as to where to use a credit card that is not a concern for Bank of America. I will like to have this information reviewed and I strongly request to have my account reopened so I may be able to continue my relationship with Bank of America.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding incorrect negative information on my TransUnion credit report. Despite multiple disputes, TransUnion continues to report a bankruptcy filing from XX/XX/XXXX, reference number XXXX that does not belong to me. 

This false bankruptcy information is severely impacting my credit score and ability to obtain credit. I have contacted TransUnion multiple times to dispute this incorrect information, most recently on XX/XX/XXXX, but they have failed to adequately investigate and remove it from my report. 

TransUnion claims they verified this bankruptcy information with their subsidiary XXXX. They also stated that it was verified with XXXX. However, when I contacted XXXX and XXXX directly, they stated they had no bankruptcy records for me at all. Additionally, the court of Maryland confirmed they do not report bankruptcies to credit bureaus. I have also attached a letter that I received from the United States Bankruptcy Court District Court of Maryland. It CLEARLY states that bankruptcies are not reported to the credit bureaus. Also, XXXX  does not report to the credit bureaus either. I have ALSO attached a screenshot DIRECTLY FROM THEIR WEBSITE stating that. 

I have provided TransUnion with all relevant information to prove this bankruptcy filing is fraudulent, including my full legal name, SSN, current and previous addresses, and statements that I have never filed for bankruptcy. However, they refuse to remove this damaging information from my credit file. 

I am prepared to take legal action if necessary. I am requesting that the CFPB assist me in getting TransUnion to properly investigate this bankruptcy listing and permanently delete it from my credit report and any other necessary remedies to restore my credit score from this false information they are reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : they state a Current Balance {$450.00} ; I never opened or had account with them or for the amount they have listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern XXXX, XXXX. XXXX XXXX, XXXX, Georgia XXXX Experian, XXXX. XXXX XXXX, XXXX, Texas XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX, California XXXX I recently pulled a copy of my credit report and noticed the following information is in error : 1 EXPERIAN - PULLED ON : XX/XX/XXXX *** NO RECORD FOUND *** IT SHOWS NORECORD FOUND 2 XXXX - PULLED ON : XX/XX/XXXX - INFILE DATE : XX/XX/XXXX NAME : XXXX XXXX NAME : DOB : XX/XX/XXXX SSN : XXXX MY SS NUMBER IS WRONG PLEASE FIX 3 XXXX  - PULLED ON : XX/XX/XXXX - INFILE DATE : XX/XX/XXXX THIS IS NOT CORRECT I BEEN LIVING IN THIS ADRESS FOR MORE THEN 3 YEARS NAME : XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX ADDRESS : XXXX XXXX XXXX XXXX , XXXX XXXX , FL XXXX XXXX REPORTED XX/XX/XXXX I I lived at these addresses. Since XX/XX/XXXX Please remove them. 
My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I been living there since XX/XX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, PLEASE UPDATE MY PHONE NUMBER XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

I have been a SoFi member for years, and this has been one of the most disgusting experiences Ive ever had. Yesterday, I received a direct deposit transfer from my insurance company for a vehicle that had been totaled into my SoFi checking account, and transferred it to my SoFi savings account. However, I wake up the next morning to find SoFi had closed my accounts with no additional contact from me! They closed my account with all of my money for no reason at all! Now, I have thousands of dollars that I need IMMEDIATELY because I have no car! So now, my car gets totaled, my insurance pays me out & then SoFi closes my accounts for the cherry on top! How ridiculous!!!!
Product: Credit card or prepaid card

On XX/XX/XXXX I paid off the balance on my Capital One credit card of over {$6000.00}. I did not receive a bill in XXXX, due to XXXX  balance. In XXXX my statement claims I owe {$19.00} in interest. I called Capital One and spoke with XXXX who said there was nothing he could do for me. I asked to speak to his manager and he transferred me to XXXX ( ID # XXXX ). XXXX informed me that the interest charge was on from the dates of XX/XX/XXXX to XX/XX/XXXX. She refused to waive the interest even though I have been a customer since XXXX. 

Capital One has very shady practices with regards to fees and interest charges. Furthermore, they place absolutely no value on customer loyalty. Beware of getting a Capital One card, you will be hit with hidden fees!
Product: Mortgage

Guild mortgage has failed to removed my pmi, it has been over 4 weeks and they billed me for the pmi once after I was below the amount required and told by one of the managers I qualified to have it removed. Guild mortgage does not seem to want to comply. They told me 5-7 days not 5-7 months or years.
Product: Debt collection

Thy stated that I wrote a bad check and that I was going to have fraud charges against me
Product: Mortgage

I lost my husband XXXX/XXXX/XXXX, then XXXX XXXX I lost my job. I was making my payments to Wells Fargo then I could n't afford it. I have asked for help and even have an attorney. i was denied, fliled an appeal in XX/XX/XXXX and found out today XXXX/XXXX/XXXX the appeal was denied. 
Also, they have me at XXXX % ratio. I need my payments lowered, or forgiveness of part of my principal. I need help ... .. 
I want to keep my home, I just need help.
Product: Mortgage

This company is moving forward with a NOD and has entered a sale date on my home, when my loan servicer is working on a loan modification this is a violation of California XXXX laws Dual tracking and other violation XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a consumer pursuant to 15 USC 1692a ( 3 ), 12 CFR 1006.2 ( e ), 12 CFR 1026.2 ( a ) ( 11 ) and 16 CFR 433.1 ( b ). //// XXXX, XXXX and EQUIFAX are CONSUMER REPORTING AGENCY pursuant to 15 USC 1681a ( f ) ( p ). This is a dispute pursuant to 15 USC 1692g/// XXXX, XXXX and EQUIFAX violated the FCRA for furnishing and reporting negative information on my consumer report that is inconsistent with the Permissible Purpose under the FCRA 15 USC 1681b. /// XXXX, XXXX and EQUIFAX violated my consumer right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ), furnishing negative information without my consent //// XXXX, XXXX and EQUIFAX reported some negative transaction information, in violation of 15 USC 1681a ( 2 ) ( A ) ( i ), which clearly states that the consumer report does not include any report containing information to as transaction or experiences between the consumer and those financial institutions///// XXXX, XXXX and EQUIFAX also violated 15 USC 1681b ( a ) ( 2 ) for furnishing the negative information in my consumer report without my written consent. ///// XXXX, XXXX and EQUIFAX also violated 15 USC 1681s-2 ( 7 ) ( A ) ( i ) and 2 ( 7 ) ( B ) for failure to send me a NOTICE OF NEGATIVE INFORMATION as mandated by the FCRA. I'm being denied credit and jobs opportunity due to XXXX, XXXX and EQUIFAX non-compliance and violation of the FCRA /////I DEMAND the complete removal of the XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX and XXXX accounts including and not limited to any NEGATIVE REMARKS reported by XXXX, XXXX and EQUIFAX ( they were furnished without my consent ) /// NOTICE IS GIVEN : In the event XXXX, XXXX and EQUIFAX failed to comply with the FCRA , this complaint will be used as exhibit in any future federal complaint in Federal Court for the above referenced violations of the FCRA. And this account with be reported to the IRS for proper audit
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention to the failure of collection agencies to validate & notify of my dispute within the stipulated 30-day period, as mandated by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) On XX/XX/year>, I sent a dispute letter to XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX and XXXX XXXX regarding an alleged debt they claimed I owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This letter was delivered via certified mail, and the return receipt confirms its receipt by XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/year> According to the FCRA, the collection agencies is required to investigate and respond to my dispute within 30 days of receipt. Also notify the bureaus of dispute.However, it has now been 31days since the receipt of my dispute, and I have neither received any validation of the debt nor any response from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Only after disputing with the bureaus on XX/XX/year> XXXX XXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  started making all kinds of damaging changes to my report without properly validating this debt.
Product: Checking or savings account

On XX/XX/year>, SoFi Bank froze my checking account without prior notice, stating in an email that they had noticed " irregular activity. '' The email instructed me to contact their security department for further information. 

I immediately called the security department as instructed, but I was told they had no information and that my account was under internal investigation. No details were provided about the reason for the freeze, what specific activity triggered it, or what steps I needed to take to resolve the issue. 

I made multiple follow-up attempts via phone and email, yet I continued to receive vague responses with no timeline for resolution. Despite these efforts, SoFi did not provide any meaningful updates or instructions. 

On XX/XX/year>, after I sent a formal demand email through a legal network, SoFi finally responded, acknowledging my complaint and stating that my case was being reviewed by their internal Resolution Team. However, they still failed to provide a clear explanation for the restriction, a timeline for resolution, or any instructions on how I could regain access to my funds. 

This account freeze has caused significant financial hardship, as I have been unable to access my own legally earned funds for essential expenses. SoFi has failed to provide transparency, communication, or any opportunity for me to verify my identity or prove the legitimacy of my transactions.

I am requesting that SoFi : Immediately reinstate access to my funds or provide a clear and specific reason for the account restriction.

Provide a firm timeline for resolution rather than vague reassurances that it is under review.

Clarify what steps, if any, I can take to resolve this issue.

SoFis failure to provide timely communication and a resolution has forced me to escalate this matter. If this is not addressed promptly, I will consider further legal action. Their handling of this situation has been unacceptable and has caused undue hardship.
Product: Debt collection

These accounts is ran as a charge off but I never received the 1099 cancelation of debt form. And because of that these accounts is inaccurate and they have to be removed. Here are the accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these accounts thank you.
Product: Credit card

Macy 's failed to secure my accoun and would not share information with me how my account and personal information was compromised. There was a purchase for about XXXX for fancy watch ( out of my state ), which was then credited to my account a few days later. When I called to check the status of the investigation, Macy 's said that since it was returned, there is nothing to investigate. Macy 's fails to provide me information about the incident. I felt closing the account was the best solution, but even after I 've closed the account, I 've received XXXX letters already indicating someone is trying to reopen my account. I had to close other credit card with fear that someone else was going to use them.
Product: Debt collection

I received a letter from Convergent Outsourcing , Inc. offering to accept 25 % of a debt I supposedly owe as full payment. I do not owe this debt, nothing shows on my credit report and I think they just pulled my name out of a hat in the hopes I'd respond which I'm not doing but I am reporting them.
Product: Bank account or service

I have a checking account with BBVA compass bank One of my credit card ( XXXX ) did a balance transfer of {$3000.00} since XXXX last week and they sent the money to the Bank but the Bank no show my money in the balance I have call them twice but they do n't solve it please help me to find my money Thanks
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX. XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 under the Electric Fund Transfer Act ( XXXX ) and regulation E. These actions has caused significant inconvenience and financial lost, and I seek approval redress for these violations.
Product: Debt collection

Said this account was open in XXXX but i havent had XXXX since XXXX and they have been closed since XXXX. Has been 9 years since then. Total amount they say i owe is {$1000.00}. 
Request from them a proof of ownership, and a credit agreement form through mail that they refuse to give me.
Product: Mortgage

The purpose of this notification is to address my situation with a foreclosure action, on a reverse mortgage, enacted by the Wilmington Savings Fund Society against my cousin. 
My cousin was diagnosed with XXXX and could not respond to notifications. As a relative, I tried to intervene to address the issue but was denied requested information. 
There was an initial auction on XX/XX/2023, for {$90000.00}. That auction did not go through. There was a secondary auction on XX/XX/2023, for {$60000.00}. However, that did not go through. Prior to and during the auction proceedings, I submitted my interest, to the sheriff, in purchasing the property.

After the second auction, I found out that Wilmington Savings Fund Society purchased the property, and no further auctions were to take place. 
I continued to show interest in purchasing the property, however, no matter what method I used, I have not received a reply. 
On XX/XX/2023, I was contacted by a court representative stating the Wilmington Savings Fund Society has requested that I be evicted from the property. To date, despite my efforts, I have not been provided with the chance to discuss this issue with appropriate individuals. 
I do state again, my interest in discussing the current asking price for this residential property.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Account Name : [ XXXX ] Account Number : XXXX Date : [ XX/XX/2025 ] I am writing to formally dispute the reporting of the above collection account as an " open account '' on my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that all credit reporting is accurate and in compliance with the law. This collection account being reported as " open '' is not in compliance with FCRA guidelines and is an inaccurate entry. 
Under the FCRA, I request that this collection account be removed immediately from my credit report, as it does not meet the requirements of an " open '' account under the legal definition. 
In support of my request, I refer to the following sections of the FCRA : 1. Section 605 ( a ) - Time Period for Reporting of Negative InformationThis section outlines the time limits for reporting negative information on a credit report. A collection account that is inaccurately reported as " open '' may violate the time-frame restrictions and should be removed if it exceeds the time limits for reporting. 
2. Section 609 - Right to Consumer ReportThis section gives me the right to request and receive a copy of my credit report upon the deletion of the inaccurate information. Once the collection account has been properly removed, I request that a revised copy of my credit report be sent to me for verification.

3. Section 611 - Procedure in Case of Disputed InformationUnder this section, I have the right to dispute any inaccuracies in my credit report. Once I dispute an item, the credit reporting agency must investigate the accuracy of the entry. If the collection account is determined to be inaccurate, it must be removed. 
I expect this issue to be resolved promptly, in accordance with the FCRA. Please send me an updated copy of my credit report once the collection account has been deleted. Failure to comply with this request will leave me no choice but to take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or seeking legal recourse. 

Thank you for your immediate attention to this matter. Please provide written confirmation that the account has been removed, as required by law. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I own our home in XXXX XXXX, FL, which took a direct hit from Hurricane Ian on XX/XX/2022. On or about XX/XX/2022 I reached out to my lender 's loan processer, XXXX XXXX, to request a 30-day extension since my home had suffered major damage from the hurricane. They would not offer me such 30-day extension, but instead offered me a 3-month bereavement. I explained I didn't need that long, just 30 days. They said that was the only option, and there was no mention this bereavement offer would affect my credit score, but I learned later it did. I made my next payment as agreed, but they immediately notified the credit reporting agencies that I was 90-days behind on my mortgage. As a result, my credit score dropped from XXXX to XXXX. I immediately contacted them to dispute this, and promptly caught up on the payments. They have refused to take responsibility of not informing me of the consequences of their bereavement plan, nor have they updated the credit reporting agencies showing my mortgage is no longer past due. Their recent comment to me was that it isn't the agent 's responsibility to inform the homeowner the bereavement will ultimately affect their credit rating. They relied on mailing me a paper with those details, which I never received because my mailbox blew away in the hurricane. I request your assistance in getting this matter resolved as quickly as possible. Neither my lender, XXXX XXXXXXXX XXXX XXXX XXXX, or it's processing company, XXXX, is helping me with this. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX