23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., against XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, and Experian Information Solutions , Inc . The subject of my complaint involves inaccurate, unverifiable, and misleading information reported on my credit report, causing me financial harm and emotional distress. Despite multiple disputes sent to the credit reporting agencies, the inaccuracies remain unresolved. 

Details of Complaint : Accounts in Dispute : XXXX XXXX XXXX XXXX inaccurately reported as Charge off. 

XXXX XXXX inaccurately reported as Charge off. 



Nature of Dispute : No evidence exists of my agreement or consent for these accounts. Verification requires the original negotiable instrument, as copies do not satisfy the Federal Rules of Evidence ( FRE ) Rule 1002, which mandates the production of the original document to prove its contents.

Reporting based on incomplete or derivative records violates 15 U.S.C. 1681e ( b ), which requires reporting agencies to ensure maximum possible accuracy. 

The credit reporting agencies have not demonstrated their delegation of authority to report " charge-offs '' when they have not properly verified the underlying information as accurate and complete.

Without the original certificated security or verifiable documentation, the reported debt is legally deficient and must be removed as unverifiable under 15 U.S.C. 1681i.

Furthermore, charge-offs are classified as income per the IRS. Income, by definition, can not be reported as a debt or delinquency on consumer credit reports, creating additional inaccuracies in reporting. 

Certificated Security Claim : As the Certificated Security Holder of my estate, I assert the following : Any reported debt against my credit file must be validated through the production of the original certificated security, promissory note, or equivalent legal documentation.

Copies or derivative evidence are insufficient to meet the evidentiary standard under the Federal Rules of Evidence ( Rule 1002 ).

Without the original certificated security or verifiable documentation, the reported debt is legally deficient and must be removed as unverifiable under 15 U.S.C. 1681i.

Attempts to Resolve : I sent dispute letters to the credit reporting agencies on XX/XX/year>. 

Each agency failed to conduct reasonable reinvestigations as required under 15 U.S.C. 1681i ( a ) ( 1 ). No corrective action was taken, and the inaccurate information remains on my report.

Harm Suffered : Financial harm, including credit denials and increased interest rates.

Emotional distress and reputational damage due to the inaccurate information being disclosed to creditors.

Defamation of character caused by the dissemination of false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries appeared in my credit report that I did not initiate or apply from these XXXX institutions : XXXX ) XXXX XXXX XXXX XX/XX/2022 XXXX ) XXXX XXXX XXXX - XX/XX/2022 XXXX ) XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX account # XXXX opened XX/XX/year> 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any reason. 

15 USC 1681 sec 602 states I have the right to privacy 15 USC 1681 sec 604A sec 2 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit card or prepaid card

I have the next situation : I received a brand new credit card from Citibank with the credit limit is {$600.00} on XXXX, XXXX. And I activated this card on the same day around XXXX XXXX. After that, I created an online account on the bank 's website. Had an issue with that ( password etc ). And when I resolve it couple days later, I found in the bank 's online account, what my brand new credit card already used by somebody else in another State. Was used {$590.00} in three days from XX/XX/XXXX to XX/XX/XXXX. And left only {$2.00}. I live in Colorado, the card was used in Georgia. In that day I opened the claim with the Bank. They started the investigation. And last Friday, on XXXX, XXXX, I received the letter from the Citi Bank. And it says, what they can not to resolve this dispute because this card has an EMV chip and, in their opinion, can not be copied or duplicated. And it was physically used in some cities in State Georgia. But I have never been in State Georgia and I worked on these dates ( XXXX XXXX ) and I have many people, who can confirm it. 
Looks like Citibank has some fraudulent scheme : They created more than one Credit Card, created one or more duplicate of my card or same Card with using my data ( my name, etc ), linked to my account and gave this duplicate or duplicates to some criminal person or people to use it in another state.
Product: Student loan

On XX/XX/XXXX, I received an email that I was approved for their IDR plan. However, I never applied for this. It made my monthly payment jump from {$100.00} to {$350.00}.

I called Aidvantage and was on hold for XXXX minutes. When I spoke to the representative, they said I was mistakenly added to the IDR plan and that she fixed it and my payment was now {$100.00}. It was a little worrisome that this happened. 

Now today, XX/XX/XXXX, my bank notified me that {$350.00} was pulled out of my account. I login to Aidvantage and see nothing was changed, the payment was considered overdue by XXXX day ( even though autopay came out ). 

Today, I'm planning on calling them, disputing with my bank, and looking onto legal options.
Product: Checking or savings account

Explanation of Events : Complainant : XXXX XXXX. 
Institution : SoFi Bank Date of Initial Dispute : XX/XX/2024 CFPB Complaint Filing Date : XX/XX/2024 I am filing this formal complaint against SoFi Bank for misappropriating my funds and the subsequent negligence in handling my dispute regarding a fraudulent charge. Below is a chronological account of the events that transpired : XX/XX/2024 : I noticed a fraudulent charge on my account from XXXX XXXXXXXX XXXX  amounting to {$2600.00}. This charge was unauthorized. 

XX/XX/2024 : I filed a dispute with SoFi Bank regarding the fraudulent transaction. I followed up with a phone call on XX/XX/2024, to confirm the dispute was recorded and to check its status. 

XX/XX/2024 : I engaged in an online chat with SoFi Support to ask about the status of my dispute and expressed my urgent need to return my funds, which SoFi Bank had failed to credit back to my account. 

XX/XX/2024 : I contacted SoFi Bank again and was promised a transfer to the " Member Experience Team. '' After an extended wait, I was connected to an individual named XXXX, who informed me that SoFi Bank would not be returning my funds despite acknowledging the fraudulent nature of the charge and the lack of acknowledgment from XXXX XXXX XXXX I was advised to initiate an appeal process, which I instructed XXXX to commence. 

XX/XX/2024 : Following up with XXXX from SoFi Customer Support via online chat, I was informed that XXXX had not initiated the appeal as promised. XXXX then submitted an appeal on my behalf and provided me with ticket number XXXX. She also confirmed that there was no accounting for the missing funds. 

Due to SoFi Bank 's negligence, I have suffered significant financial harm. Numerous charges that were set on autopay have bounced, causing me undue financial stress and damage to my creditworthiness. The inconsistent information and lack of transparent communication from SoFi Bank have exacerbated the situation. 

I demand immediate restitution of the {$2600.00} fraudulently charged to my account. SoFi Bank 's failure to act promptly and responsibly has violated my trust and contravened the customer service and financial integrity standards expected of a banking institution. 

I am seeking the Consumer Financial Protection Bureau 's intervention to ensure that my funds are returned and SoFi Bank is held accountable for its actions. 

Sincerely, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices that violate the consumer financial protection act. Cash app failed to take the timely and effective measure to prevent and address fraud on their platform leaving my account vulnerable and protected. The dispute process is unfair and deceptive as they did not follow requirements under the electronic funds transfer act and regulation E. These actions caused me significant financial lost and were a huge inconvenience to me I just seek the appropriate redress
Product: Credit card

On XX/XX/year> I made an online purchase with XXXX. For the form of payment I chose to use my XXXX XXXX store credit card ( Managed by TD Bank ). The order number generated by XXXX was XXXX. 

Later that same day I cancelled the order since I no longer wanted the item previously purchased. I received a confirmation email from XXXX that the cancellation had been successfully processed. 

Double checking my credit card transaction history, I noticed that XXXX different charges related with the cancelled order XXXX had been made to my credit card and had not been reversed. 

I proceeded to call TD Bank to see why this was happening and they told the I had to contact XXXX. I called XXXX and they told me that the had already refunded the money and that I should wait a few more days for it to be reflected. I asked them if they could reach out to TD Bank and let them know, but the said they couldn't do that and that I would have to call them myself. 

I waited a few more days and the charges had not been reversed/refunded. I called XXXX more time to TD Bank and asked to speak to a supervisor. I was kept waiting but never actually transferred to any supervisor. Instead the agent told me that she had spoken with a supervisor and that they would investigate this. I asked for a case number or reference that I could follow up but she told me there was no case number and that I had to wait for them to investigate and that I should receive a letter in my mailbox. I have not received it yet. 

I called XXXX one more time to see what was going on and I asked to speak to a supervisor. Once transferred to XXXX, I was told that they had already made the refund. I was sent an email with the alleged refunds. 

To this day the refunds have not been posted and the latest credit card statement has been generated and have balance of {$1400.00} for an order I had already cancelled on XX/XX/XXXX. 

I have also reached XXXX by chat and didn't get a successful solution to this issue. Basically I have been going back and forth between XXXX and TD Bank and nobody has been able to fix this issue. I will not be paying for this balance nor any interest associated with it since I have already cancelled this purchase on XX/XX/XXXX. 

I am attaching call logs with XXXX and TD Bank, emails, chats, screenshots, credit card statement. I don't know what else I can do for them to fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OH XXXX Re :  Notice for Proof of Claim To Whom it may Concern : This is a legal and notarized document. XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX College v. XXXX XXXX XXXX XXXX : XXXX v. XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 

Also, I have received a statement claiming that I owe a debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are the XXXX and third collection company that have contacted me, since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin.

6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.

I also request to see a certified copy of any contract or agreement between you Respectfully Submitted
Product: Credit card or prepaid card

Subject : excessive interest charges against Care Credit Card without notifictaion of the amount of the charge and overlimit the account without deducting the new balance from avilable credit in amount of {$190.00} leaving the available credit XXXX, The payment were paid on time. 
Thank you for reviewing my complaint and I appreciate your time and efforts. I put a charge on my care credit card for a XXXX  for a family member in the amount of {$1000.00} in early of XXXX as the insurance would not approve the XXXX Care credit were charging me a monthly payment of {$37.00} and later {$29.00} every month. The balance of last statement of XX/XX/XXXX was & XXXX and available credit was {$160.00} and after I made the payment of {$29.00} I have available credit {$190.00}. In XXXX I made the monthly payement and then I got the monthly statement with the amount of {$1100.00} and I was shocked because even when I paind the monthly payment I credited XXXX with an interest charge {$350.00} and I realized that the new balance is the sum of old balance XXXX and {$350.00} but I expect that they would deduct the new balance from my availble credit {$190.00} which make my balnce below the limit ( XXXX ) and I would have enough credit. I contacted care credit about the issue but they were ignoring my question about my available credit ( {$190.00} ) and how it is not included in the statement. The manger were blunt that no changes will be considered toward my credits that I earned over 22 months. I need to resolve the issue with care credit because it is not fair practice to take care credit away especially for those who really need it without informing the customer about these charges upfront so I can be prepared for the issue.Thank you.
Product: Mortgage

I spoke with a customer representative on XX/XX/2022 to have my pmi removed because I reached below 78 % of my original value and she informed me that it will be removed at 75 %. I told her that is incorrect and finally she said that she will submit a request for them to remove it after I kept asking her from the beginning if she could submit the request and she said it would take 3-5 business days then she hung up on me. On XX/XX/XXXX, I called back to check the status and another customer service representative told me that it would take 30 days. The pmi should've been removed automatically once i reached below 78 % according to previous letters that were sent to me from BSI Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company inquired about my credit without my authorization.
Product: Debt collection

I had phone and internet service with XXXXXXXX XXXX XXXX in Michigan. The service was disconnected in XXXX. I applied for and established new service with the same company in XXXX or XXXX. There was no discussion of a past due bill or collection. I filed for Chapter XXXX bankruptcy protection in XX/XX/XXXX. XXXX XXXX XXXXXXXX was sold to XXXX. 

In XXXX, I received a collection notice. I called XXXX and asked for proof they tried to collect an unpaid balance. They did not have proof. I asked for past bills ranging from XXXX XX/XX/XXXX, they state they did not have any. I asked for any proofs regarding this action, they said their system did not go back that far. 

The collection agency said they did not have any proofs other than what they were told be XXXX. They have posted a negative item to my XXXX credit report. 

Why didn't XXXX issue a final bill? collection notice? Why let me establish new service if I owed a past due amount? Why didn't XXXX notify me of the debt right away? Why doesn't anyone have proof of this debt? If I was aware of a legitimate debt I would have included it in my Chapter XXXX filing. Can they just bypass a reasonable attempt to collect and just go straight to my credit report?
Product: Credit reporting or other personal consumer reports

I recently pulled a copy of my credit report and noticed accounts that I have not authorized nor have any affiliation with. I contacted the credit reporting agencies to resolve the issue and also request method of verification. I have not received a formal response, and these fraudulent accounts reporting to my profile are severely impacting my ability to obtain credit. 

I have the right to privacy and have not given any written consent for this information to be furnished to my profile which is now in violation o

f 15 USC 1681b Furnishing fraudulent account in direct result to identity theft is in violation of 15 USC 1681 c-2. I requested addresses be removed from profile where I've never resided to preve
nt erroneous information from being furnished to my report. This issue still hasn't been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several loans which are currently being serviced by Navient have incorrect loan balances and interest amounts. For example, Navient loan # XXXX is being calculated based on orig. principal of {$3500.00} and fixed interest of 6.80 %. However, orig. principal amt should be {$1600.00} due to a portion of the loan having been cancelled and never disbursed. Additionally, this loan has a fixed rate of 4.50 %. There are several loans being fraudulently treated this way. Navient is also reporting a much higher balance due on my loans because of the fraudulent way it is being calculated. I advised them of their mistake on several occasions ( XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ) but they have refused to fix the info on file. They also have not acknowledged payments made on this loan while it was handled by XXXX and XXXX between the years XXXX through XXXX. When Navient received the loans, they did basically erased all prior payments from the loan history and on their website, and essentially restarted the loan and repayment with the allegedly orig loan amount without including prior payment made by me - they basically inflated the numbers to increase their income.
Product: Credit card

Someone fraudulently pretending to be a service provider used my Discover credit card to make a {$1000.00} purchase. 
These are the events that led up to me being scammed. 

We are an older couple who went through a difficult experience of selling our home and moving to a XXXX XXXX 
XXXX, the internet service provider, sent a promotion for internet connection to our new place and I called them to sign us up for their services. 
I could not do it from our place due to no phone service and went to the community general area where I spent a very long time and was under duress. 
The person working with me managed to connect my husband 's phone, but said she could not connect mine and advised me to call XXXX providing me with the phone number. 
The person who responded took me through another very lengthy process of having me open an app and going through the same process many times checking various personal information, including Discover credit card number. 
I ended up dropping XXXX because of this difficult experience and signed up with a different company. 
Then on XX/XX/XXXX I got an email from XXXX XXXX alerting me that there was someone trying to log into my account. Another notification on the same date informed me that I made a purchase of a gift card in the amount of {$1000.00} and that it will be shipped to me. 
Od course, I never received any gift card and have immediately informed Discover about this fraudulent charge. 
I realized then that I have been scammed and have informed all the companies whose information I provided to send me new cards. That included Discover and XXXX XXXX XXXXXXXX. 
XXXX XXXX has informed me that someone was trying to connect my card to XXXX wallet and issued me a new card as well. 

When I received the latest bill from Discover with a {$1000.00} charge on it, I immediately called them to question it. 
They never informed me that my claim was denied, just put this charge back on my card. 
The fraud department representative said that since I provided my credit card number, the request was denied. 

Obviously if I suspected that I was in fact not talking to XXXX representative, I would have never disclosed any personal information. 
This was a very sophisticated way of defrauding me under strenuous circumstances, while pretending to be helping me. 

I am appealing to you because I believe it is unlawful for Discover to make me pay this charge when I am clearly a victim of fraud. 

Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$3200.00}
Product: Mortgage

PHH Mortgage has held our funds transferred from our bank account for more than 2 weeks now in a " suspense account '' and has not used them to pay off the mortgage as intended. We have called on multiple occasions and we receive different answers each time. The last few times we have been promised that the funds would be applied to our mortage the next day, but this has not occurred.
Product: Credit card or prepaid card

I closed my Capital One account in XXXX XXXX. I paid off the amount of XXXX ( XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) owed by XX/XX/XXXX, it happens to be the same date as my closing date. Capital One has decided to charge me interest of XXXX. I called and was told that they can not waive any amounts on closed accounts. I spoke to a supervisor at Capital One 's AZ office who told me that she was the highest level of management, and she could not and will not help me with my query. I requested to speak to a manager or Director for the department and was told that there was no one higher than her at Capital One. She refused to give me a name or number of someone who was willing to override the system and adjust the interest charged.