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

On XX/XX/XXXX I received notification that my savings account had been frozen due to irregular activity. I received a response from SoFi Bank, N.A. dated XX/XX/XXXX. In the complaint they cite the SoFi Deposit Account Agreement noting the right to restrict the account if we identify suspicious, irregular, unauthorized, fraudulent or illegal activity They noted that the Member Security Team was handling this investigation and that I was entitled to reach out to the Member Security Team at XXXX. I have enclosed their response with this letter. 

There was a singular irregular deposit made to my account that I am unaware of who was the intended designee and do not dispute that these funds were not intended for me. This transaction entitled XXXX XXXX XXXX XXXX in the amount of {$880.00} remains unclear to me who it is intended for. SoFis own website interface for questioning a transaction provided no way to provide information to the bank or question a deposit short of calling and speaking to Customer Service. Indeed, the funds were left in the account expecting this transaction to be reversed. I have enclosed a log of activity/deposits to the account with this letter. 

All other direct deposits were made by spouses employer ( XXXX XXXX  XXXX XXXX ) to our bank account for payment of his work ( XXXX XXXX ). The deposits entitled XXXX XXXX  XXXX XXXX reflect my spouses work and the 2 separate transactions reflect 2 separate paychecks on a regular basis. 

I have received complaints from the bank through the OCC noting that they intended to close the account as of mid XXXX and confirmed via update of this intention XX/XX/XXXX. I was highly disappointed to speak to the member security team on XX/XX/XXXX and be told only 1 ) that there is no update, 2 ) I could not have any timeline of when there would be an update and 3 ) if I wanted to know if there was an update I would have to call back and then I was hung up on. SoFi Financial has told regulators repeatedly that they have made the determination that the account would close but has made no effort to actually provide the funds back to the account. There were only 3 separate payor sources on the accountXXXX GA, a carwash deposit and my initial funding deposit. In terms of investigation we are over 30 days from when the final determination was made to close the account and over 90 days from the initial notice that SoFi intended to close the account. Per the response from the OCC, it stated that HR of one employer had already been contacted leaving only two additional transactions to work on. How long could that reasonably take? If I had funds that were not mine, actions would have been taken in days to weeks, not months.
Product: Debt collection

Calls daily 5 or 6 times. -paid on payments until I was hospitalized. Told company rep who threaten me.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple inaccurate and/or unverifiable negative accounts currently reported on my credit profile by XXXXXXXX XXXX and the credit reporting agencies. These accounts are causing significant harm to my financial standing and opportunities, despite my repeated efforts to resolve the matter directly with the parties involved. They failed to verify that the information is accurate and verifiable per the FCRA. These inaccurate accounts violate my consumer rights and have led to unfair practices, including harm to my credit score and financial stability. It is in non compliance with consumer protection laws. The partied involved have failed to comply with the obligations under the FCRAS, FDCPA, and related federal statues.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX. i have been going back and forth with XXXX XXXX services as well as XXXX  Regarding unauthorized inquiries and accounts on my report that I didnt authorize, these inquiries are on my credit report which i have submitted multiple FTCs to the creditors and Bureaus with no help. XXXX and XXXX both stated they needed a FTC to conclude the investigation which i have submitted multiple times with no assistance. We are on the verge of filing a lawsuit against XXXX for the violation of consumer act. This is total XXXX and I have been sending back to back letters with my attorneys. The accounts are as follows : XXXX  XXXX XXXX on both XXXX and XXXX as well as Santander Consumer USA on XXXX. Here are the inquiries listed below : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ), i will be pursing litigation against them for fraud pain suffering!
Product: Credit reporting, credit repair services, or other personal consumer reports

New alerts from XXXX. Account used by ex-spouse XXXX XXXX. Opening accounts/identity theft dated end XX/XX/2019. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Distribution of information ( sold ) on dark web. 

He is deleting information to try to cover his tracks. Screen shots attached. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I was denied credit by this lender and the fact they w ere notified my credit reporting with all three major agencies was never noted on the rejection letter. Furthermore since bankruptcy I have NOT been in collection. We have no way of knowing who these other agencies that report on us are and as with XXXX XXXX who had the incorrect information. Do the others such as XXXX XXXX Or XXXX have similar incorrect information? My concern is where did they gather this alleged information since
Product: Debt collection

I believe the debt not to be mine as the apartment manager claimed I could move out and as long as they re-rented the apartment there would no problem. I know they quickly re-rented it. Yet they are trying to collect {$3000.00} on damages? How do they come up with that number. They say after insurance I owe {$750.00}. Plus a XXXX collection for {$3900.00}. Its all fee 's. 
I was medically ordered to move from the location, I have a doctors note as well as my personal statement attached.
Product: Credit reporting or other personal consumer reports

DEPT OF ED / XXXX Reported : XXXX XXXXXXXX XXXX {$7100.00}
Product: Debt collection

I am Im making this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and CONSUMER ADJUSTMENT CO will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Credit card

I used Capital One to prepay for a rental car with XXXX XXXX XXXX XXXX. Included in the price I prepaid to Capital One for the rental car was a " drop charge '' of {$210.00} for returning the rental car in a different location. XXXX then charged my Capital One card for the same {$210.00} " drop charge '' ( {$270.00} with tax ) that I had already paid to Capital One. I contacted Capital One to inform them the transaction from XXXX was a double charge and Capital One did not issue a credit [ Case Number XXXX ]. I then sent an email to the Capital One Travel Consumer Relations Department on XXXX XXXX, 2015 [ XXXXXXXXXXXX - Incident XXXX ] and received no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a credit card on my account summary that was not my credit card. I filed a dispute but the charge remains the same when I had no acknowledgment of the account, and it is not mine.
Product: Credit card or prepaid card

I have been a long-time customer of Capital One. I have two cards and both are on auto-pay. To my knowledge, I have continued to make regular month-to-month payments to Capital One on two credit cards for many years. These cards are linked automatically to my bank account, so the payment is automatically made. Sometimes, I go into my account to discover that the auto-pay has been deactivated as a result of no fault of mine. Because of this, my XXXX XXXX XXXX is deactivated.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that the revolving lost fund was impossible and that tracking these transactions was feasible. The CFPBs findings indicate that Zelle not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Mortgage

RoundPoint Mortgage did an analysis on XX/XX/2023 and it shows that a {$0.00} dollar payment was made into my escrow analysis when there was a payment made each and every month. I then requested an updated analysis and recieved that on XX/XX/2023 and they did not provide a Table 2 analysis and that would have reflected the payment going in and used the same faulty previous table that did not reflect the payment. I spoke with a manager and she agreed that each month I have made payment but there isn't even an estimated payment that was made like the following month where they have indicated a estimated payment would be recieved. I requested an updated Table 2 from the supervisor and she stated that they will not do that because the previous one was currect. 
If you make a payment each month, then the analysis should reflect a payment each month. There should be no
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$1100.00} XXXX  XXXX XXXX Balance Owed : {$330.00} Date Opened : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Debt collection

I ask what they are calling about. Wont provide me with any information about said cause. They call my family and have even started contacting my in laws. They call me and my family everyday. Threatening that they have a case against me and that failure to respond will result and arrest. They sometimes call from a blocked number.
Product: Credit reporting or other personal consumer reports

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

In XXXX I opened a checking account with XXXX XXXX  in Washington DC. I received monthly paper statements and continued my account when the bank was sold to SunTrust and again to Truist. 

In XX/XX/XXXX we sold our house in XXXX, Virginia and moved to a new residence in XXXX Virginia. During the first week of XX/XX/XXXX, I notified Truist of my address and telephone changes by going into my online account profile and making the changes. In XXXX and XX/XX/XXXX we received a monthly statement from Truist bank at our new address in XXXX, Virginia. In XXXX I did not receive a statement from Truist and received a notification in XXXX from Truist of a XXXX dollar return statement fee. I telephone XXXX and talked to a nice gentleman in XXXX for over an hour trying to straighten out what the XXXX dollar return statement fee was. He finally informed me that there had been a miscommunication between the various branches of the bank and my statement had been sent to my old address in XXXX Virginia. He asked me what I wanted to happen and I told him that I wanted the statement to be sent to my new address as it had been in XXXX and XXXX and for the fee to be reimbursed to my account. He assured me that this would happen. 
In XXXX I received another another notification from Truist that a XXXX dollar return statement fee had been charged to my account. In XXXX another XXXX dollar fee for a returned statement was charged to my checking account. I immediately called Truist and spoke to a young lady somewhere in the United States and explained what had happened. She investigated and informed me that I needed to go into my profile and change the statement delivery method from a paper statement in the mail to a digital statement. She stayed on the line and talked me through making the change to my online profile. She informed me that the change had been made and that I would be able to switch back to a paper statement in the mail in two months. Additionally she assured me that the prior XXXX dollar fees for the returned statements would be reimbursed to my account. 

Yesterday, XX/XX/XXXX I received a notification from Truist that a XXXX dollar return statement fee had been charged to my checking account. 

Im at my wits end and dont know what I can do to satisfy this mistake-prone financial institution. None of the fees have been returned to my account. 

I hope you have more success in resolving the situation than I have. 

Thank you for your assistance.
Product: Debt collection

My recent credit report is showing unverified, and unauthorized inquiries as well as collections that I never had a chance to dispute. The inquiry is from XXXX XXXX, the collections are from LVNV Funding LLC XXXX, LVNV FUNDING LLC XXXX. By law I am owed proper credit reporting according to the FCRA. I am requesting debt validation for the collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of title to collect on this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof these accounts should be removed immediately.
Product: Debt collection

They call me over 5-10 times a day from multiple different phone numbers in the XXXX area code. It's non stop even when I told them to stop calling me, only communicate via mail. Send me ver8if debt. The phone calls will not stop and I am on the do not call list which does not stop them nor my asking to send the proof letter ... the lady hung up on me
Product: Mortgage

I was offered an informal forbarnace on my loan due to the the impacts of Hurrican Irma on our area in Florida. I have submitted documentation and loss mitigation request packages numerous times to try to get on a repayment plan to bring the loan current or request a modification, or simply an extension of the forbearance until XX/XX/XXXX when I will receive my delayed bonus in order to bring the loan current. I have received little to no response and communication from SunWest and promises for call backs and assistance that have gone unfulfilled. At this point, the forbearance is up XX/XX/XXXX, and I have been trying all week to get answers on what I can do to ensure my credit is not impacted and how we can work to bring the account current. When you call the loss mitigation and customer service departments, you sit on hold for 5 min and then are automatically dumped into a voicemail box. I am out of options and am simply trying to ensure that I can work to bring my loan current as soon as possible. I have diligently been trying to work with them for the last 60 days and it seems they are ignoring my requests so that the forbearance will run out and they can asses late fees and impact my credit report as of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XXXX suspended my account and froze my money without giving me any explanation. What can I do to restore trading functionality and get my funds back? 

XXXX case ID is XXXX
Product: Debt collection

Jefferson Capital Systems is continuing to falsely report on my credit files thus violating my rights and the law. Jefferson Capital Systems has put multiple collections/closed negative accounts on my credit file for an alleged debt that is past the legal Statute of Limitations. Jefferson Capital Systems has NEVER sent me anything in writing regarding this alleged debt. I have received no notifications from this company. I have not had any opportunity, whatsoever, to dispute this alleged debt prior to Jefferson Capital Systems reporting it on my credit files causing continued damages to my credit score and emotional distress to me, nor has the alleged debt been legally verified. The alleged debt, according to the files added to my credit files, is also past the Statute of Limitations for reporting on my credit files and collecting. 

As per the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) requirements, Jefferson Capital Systems is continuing to violate the law and my rights. 
Thus, Jefferson Capital Systems is purposely and knowingly breaking the law and causing damages to my credit files, regardless of the laws in place they are required to follow. By doing so, Jefferson Capital Systems is purposely attempting to intimidate and coerce me into paying them for an alleged debt that is not only irrelevant but also not pertinent as per Statute of Limitation laws.
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I purchased two XXXX XXXX and in XX/XX/XXXX, I purchased the XXXX XXXX XXXX. The companies I purchased these products from offered financing through Wells Fargo Home Projects. The XXXX XXXX were financed through a XXXX promotion. Wells Fargo automatically determined the minimum monthly payment of {$310.00}, which was stated on my monthly statement. If I paid this minimum monthly amount, I would payoff the loan in 48 months with no interest due. Both project loans were rolled up into one account and monthly statement. 
Unbeknownst to me, the XXXX XXXX XXXX was not set up in the same manner. Wells Fargo set the minimum monthly payment of {$76.00} instead of {$180.00}. When the 12 month period expired, I still owed {$1200.00} at an interest rate of 28.99 %. I did not notice this until XX/XX/XXXX and immediately called Wells Fargo Customer Service to rectify the situation. While I believe Wells Fargo 's actions of not treating the two loans in the same manner to be dishonest and fraudulent, to prevent being charged another month of interest, I asked for the balance of the Leaf Filter System loan. I was told by XXXX, a supervisor of in the Wells Fargo Customer Service department on XX/XX/XXXX that the remaining balance was {$1500.00}. I immediately mailed in a check for that amount and included a note to apply this check to the expired loan ( XXXX XXXX XXXX ) and requested a letter stating that the loan had been paid off, which was never received. I have since received a statement from Wells Fargo stating that I still owe {$480.00} for the XXXX XXXX XXXX loan. Wells Fargo 's justification for this additional charge is very vague and no documentation to support this additional charge. Therefore, I am disputing this additional charge.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ACCOUNT # XXXX purchased a debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. 

Attempted contact to settle debt no response. When reporting they report a fraudulent delinquency date of XX/XX/XXXX when in fact the date is XX/XX/XXXX. there is a discrepancy of 2 years which lengthens the time frame it is allowed on credit report. Have written them refused to correct the date. Law states this is not legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two disputes to have incorrect information removed from my report, both dispute results stated the items would be deleted. I spoke with 2 supervisors/managers and they stated that they were updating my profile. It has been 2 months and the items still remain.
Product: Debt collection

I made arrangments to settle a debt with a third party which is XXXX XXXX at XXXX XXXX XXXX, XXXX, NY XXXX. After I told them I would need them to validate the debt and sent documentation from the previous creditor they sent me an email with my name social and the name of the previous creditory. I told them I would need documentation fromt he previous creditor showing the amount that they are telling me I owe. XXXX XXXX who is with XXXX XXXX said they do not need to do that and they will be contacting my job even though I told them I am not allowed calls at work. He said they are not a debt collection company ( which is a lie ) and he is still going to call my employer. I have all of this recorded.