23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I applied for a personal loan from SoFi Bank. As part of the process, I was required to upload a picture of a voided check through their secure file upload system to verify my bank account for the loan disbursement. This check had my name, routing number, and account number, and was marked void with a black marker. The loan was approved, and the funds were deposited into my XXXXXXXX XXXX account without issue. 

On XX/XX/XXXX, I discovered a fraudulent {$5000.00} check charge to the same XXXX account. When I contacted XXXXXXXX XXXX to report the fraud, they confirmed that the check number used for this fraudulent charge matched the voided check I provided to SoFi. This indicates a serious security breach at SoFi, as my bank information was compromised. It is important to note that the physical check has remained in my possession and has been securely stored in a safe. No other individuals have had access to it, and the digital photo of the check was deleted immediately after it was uploaded to SoFis system. There is no other possible way that this information could have leaked, confirming that SoFi is the source of the breach. 

I immediately called SoFi Bank to report the situation. During my first call, the representative did not seem to understand the gravity of the situation and failed to file an official complaint. I was put on hold for over 30 minutes, waiting to be transferred to a manager, but no one responded. I called again, and the second representative also did not take the issue seriously or file a report. Despite these calls, no action was taken by SoFi to address the security breach. 

On XX/XX/XXXX, I received an email from SoFi titled Acknowledgement of Your Experience, with a complaint reference number. The email was completely blank, providing no information about the complaint, next steps, or acknowledgment of the severity of the security leak. It did not mention that anyone would be reaching out to me. 

My bank, is handling the fraud investigation and working to recover the funds. However, it is crucial that an official report is filed with the Consumer Financial Protection Bureau to address the severe security lapse at SoFi. The voided check has been securely stored and not used elsewhere, underscoring the seriousness of this breach.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX  XXXXXXXX XXXX XXXX Date Opened : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are Listed on Credit Report that are Reporting Late payments, Chargeoff, and Write-off. These accounts are closed and Creditors refuse to send 1099..Credit Bureau won't remove inaccurate information because all 3 can't be active at the same time. Also reports from Child Support as well as Bankruptcy Court which the Courts Haven't Provided. But are included in my Reports. We are currently seeking a Home and this Process isn't working please help. Equifax XXXX and XXXX are not helping
Product: Mortgage

Purchased home  XXXX / XXXX / XXXX  Escrow - {$490.00} monthly payment  XXXX  Escrow Annual amount analysis Escrow - {$490.00} Monthly  XXXX  Escrow Annual amount analysis Escrow - {$540.00} Amount that is being pulled on monthly statement {$600.00} Misappropriations of escrow transactions TILA Z Regs.     This increase for  XXXX  escrow was not calculated correctly or appropriately. They are miscalculating amount needed to pull for all monies due. There is no disclosure agreements of increased amounts. I will be disputing the amount of tax increase as well. Lender can not arbitrarily increase and pull escrow monies.     I called several times and wrote a letter to resolve this matter with no resolution. Their calculations are way off. I will agree to a mutual increase because of the tax increase however, the increase they are pulling is without agreement is out of reach and they are pulling more than they notified me of.     Your attention to this matter is going to be important as there will be a filing of a law suit complaint if there is no mutual agreement in amounts  and TILA Reg Z prot ections have been broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.
Product: Debt collection

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX {$7800.00}, have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

1. On XX/XX/2020 and XX/XX/2020 I received two Bank of America checks, which I deposited for {$950.00} and {$950.00}. 

2. On XX/XX/2020 I returned {$50.00} and on XXXX I returned {$400.00} and {$500.00} via XXXX. The total amount was {$950.00}. 

3. On XX/XX/2020 I returned {$500.00} of the second check via XXXX. 

4. Later on XX/XX/2020 I was informed that the first {$950.00} was returned item chargeback. 

5. On XX/XX/2020 the second item for {$950.00} was returned items chargeback. 

As a result I was scammed out of {$1400.00}. Additionally BofA also charged by two {$12.00} NSF fees on XX/XX/2020 and XX/XX/2020 for the returned item chargeback fee. 

The checks in question both turned out to be fraudulent checks. They both indicated they were drawn on an Bank of America account. I contacted Bank of America and they indicated the XXXX account the funds were deposited into was a Bank of America account, but that they could not share any additional information with me. They have never provided any additional information to me regarding my request to be reimbursed for these fraud losses. 

I feel Bank of America should have been able to assess an on us Bank of Amercia check as being fraudulent on the day they were deposited and immediately returned. Additionally, since the XXXX transfers were part of a fruad dispute and they indicate the funds were deposited into a Bank Of America account, they had the opportunity to seize the funds, freeze the account and research the transactions. Instead they did nothing and simply have left me with {$1400.00} in losses and {$24.00} in fees. 

I would like the CFPB to request more information as Bank of America should not be able to profit from fraud, by charging me fees and if Bank of America becomes aware that XXXX payments were fraudulently transacted into a Bank of America account that they could recovery my funds. Your help in this matter is appreciated.
Product: Mortgage

I closed on the sale of my home on XX/XX/XXXX late in the afternoon. That was the XXXX XXXX holiday weekend so the wire transfer to SLS did not go out until Tuesday, XX/XX/XXXX. I had received a written payoff letter from SLS on XX/XX/XXXX with the payoff amount of {$210000.00}. The title company wired {$210000.00} which included an additional {$140.00} for the daily accrual of interest at {$28.00} times 5 days per the payoff letter. 

On XX/XX/XXXX ( 10 days after the closing ), the title company called me and XXXX/Specialized Loan Servicing ( SLS ) had contacted them with a new payoff letter dated XX/XX/XXXX which is now {$2100.00} higher! The house has closed and been paid off ( the new owners are in the house ) and now they're issuing another payoff letter with added fees that were not on the original payoff letter under the category " Outstanding Fees/Corp Advances. '' The original payoff letter dated XX/XX/XXXX had only {$34.00} for Outstanding Fees/Corp Advances. and now it's {$1400.00} plus they added late fees in the amount of {$340.00} that was not on the original payoff letter. This is unfair and how can they backtrack to add fees after the closing of the house took place on XX/XX/XXXX?! I'm hoping the CFPB will step in and put a stop to this bait and switch tactic which is what I've read about XXXX XXXX doing with their mortgage customers. In the meantime, they are rejecting the wire transfer and not paying the house off, I've moved on, new owners are in. What a disaster. I need help. Thank you. 

Also, back in early XX/XX/XXXX, hurricane Irma damaged my roof and I called and asked about the XXXX XXXX program which they had authorized their servicers to suspend payments up to 12 months and not report the late payments to the credit repositories. Here is the XXXX XXXX guidelines on that program which I should have been given but was never offered and SLS 's employees knew nothing about it. XXXX XXXX XXXX So I had to miss some payments to fix my roof then I had XXXX XXXXXXXX that took me out of work for 90 days. I had sent them the sales contract showing that I was selling the house in XX/XX/XXXX. They have never offered any type of assistance since XXXX sold this loan to them in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter because I still believe there are some errors on my credit. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. I am submitting this complaint with regards to erroneous accounts I found on my Credit Report. The XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Please evaluate the following accounts : XXXX  XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2016 XXXX  XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX Balance Owed : {$0.00}. In accordance with the Fair Credit reporting Act, I am requesting that you correct m Credit File by correctin and or removing these erroneous information from my Credit File as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent Equifax a letter requesting for them to give me their method of verification concerning the Bankruptcy on my credit report, so I could find out who the furnisher was of the Bankruptcy information. For whatever reason, Equifax was not able to comprehend what I was asking for and responded by saying in a follow up letter, please be specific with your concerns by listing the account names, numbers and the nature of the dispute. 
I had just sent the same letter for my wife and Equifax didn't have a problem with understanding what I meant and responded with the information that she needed, so I can only assume it's more than likely the e-Oscar System that did not understand. 
So once again Equifax, please give me your Method of Verification concerning the Bankruptcy on my Credit Report that you used to determine the accuracy and completeness of the info, including the business name, address and phone number of the Furnisher if reasonable. Documents are attached for proof. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize nor consent to the following inquiries being furnished on my consumer report. 

1. XXXX XXXX BANK XXXX ( XXXX, XXXX ) 2. XXXX XXXX  ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information. 
XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently discovered that my credit information is not being updated or reported accurately. I kindly request that you review the information provided and ensure that my credit profile is updated correctly. Thank you for your attention to this matter. 
SSN # XXXX XXXX XXXX is associated with the address XXXX XXXX XXXX, XXXX, OH XXXX. 
As for XXXX XXXX,
Product: Credit reporting or other personal consumer reports

On my credit report of transunion they reportin information that not belong to me the XXXX are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage has been an issue from the beginning. They fast tracked us through and we closed on XX/XX/year> as the housing market and economy was tanking. Once we closed we were behind from the beginning. We have been battling every since. They have sold our mortgage illegally several times and now I don't even know what or who to believe or pay.
Product: Debt collection

Couldnt contact them for months gave the account to another person to collect alleged debt from me randomly call me back saying I allegedly owe more than I do also trying to charge junk fees first woman I talked to back In XX/XX/year> threatened garnishment if I did not pay the original creditor XXXX XXXX XXXX also threatened legal action against me if I did not comply with paying alleged debt
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation I'm asking that you send your method of investigation along with all the records of who you spoke with their business address name and phone number as well as documentation that proves this account was late if you can not provide me with this information in 15 days update the account to pay never late on XX/XX/year> and send me a copy of my updated credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.Equifax is governed by 15 USC 1681 , and they violated my rights numerous times. I demand the accounts under 15 USC 1681 listed below be removed. According to 15 USC 1681 ; I have the right to privacy and Idid not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently filed a complaint regarding this account and received a letter in the mail from the debt collector asking me to fill out this affidavit. Please find the attached affidavits for accounts XXXX and XXXX. I did not open these accounts nor did I approve of them being opened. Attached to this complaint is the paperwork from the debt collector, the FTC affidavit of identity theft and a copy of my photo ID.
Product: Mortgage

Our account was rolled over to Selene after we had already paid our bill to our former loan holder.We got a loan from XXXXXXXX XXXX XXXX in XXXX for XXXX we paid at least 3 times the amount to this company because of the high interest rates and still we were trying to help are children through College.Then they sold our loan after we had paid it off already to Selene who now claims we owe them XXXX dollars.We paid an outrageous amount of interest to XXXX XXXX XXXX and now we are told we have to pay more to this Selene Company.Here we are in XXXX and we are told we still have to pay this Company Selene.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX Date opened XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

***Please note. This is related to Binance.us, not Binance.com*** On Binance.us, I signed up to sell my XXXX that I have held in my possession since XXXX. I was not sure how to sell it so with the help of a friend, I sent it from my ledger to XXXX. I had XXXX XXXX. I was able to sell it and turn it into US currency. In fact, my current visible balance on Binance.us is over {$20000.00}. 

I quickly passed their " Basic Verification '', and was moved on to " Advanced Verification '', to which I had supplied all documents, and have been in " Pending Verification '' since XX/XX/XXXX. 

Their support area of their website says that if I even TRY to send a ticket, that, not only will it NOT be answered, but it could push my verification back even further. ( This scare tactic for a company who is holding {$20000.00} of my dollars is completely unacceptable. ) Please help. Thank you.
Product: Credit reporting or other personal consumer reports

TransUnion has provided proof that these accounts are mine and how they verified the following accounts XXXX XXXX XXXX ( XXXX ) reporting. 
XXXX or XXXX XXXX XXXX ( XXXX ) reporting. 
( XXXX ) XXXX  XXXX accounts. 
XXXX XXXX XXXX XXXX ( XXXX ) reporting. 
The following inquiries do not belong to me, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX federal.Please provide proof immediately thats these accounts and inquiries are mine or deleted them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some unauthorized inquiries on my credit report from Equifax, so I sent a multiple inquiry letter on XX/XX/XXXX by certified mail to the company. The letter explained that the following inquiries listed were not authorized by me and I wanted the company to investigate the situation and to delete those inquiries because they were not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX of XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I received results from the company dated XX/XX/XXXX, stating that the inquiries are a factual record of file access and nothing was deleted from my file. A week is not long enough to do a proper investigation in this matter. According to the FCRA, as a consumer it is my right to have a proper investigation into any issue or inaccurate information contained in my credit file. I was unsatisfied with their actions, and I would like the above inquiries deleted to remedy the situation.
Product: Debt collection

Company is trying to collect a debt which is barred by the Florida Statute of Limitations. Payment on the note was due in XX/XX/XXXX.More than 5 years have passed since default and collection/payment is barred from collection activity at this time.This is a clear violation of FDCPA
Product: Credit reporting or other personal consumer reports

My identity was stolen in 2018. The individual that committed this crime apparently purchased a vehicle from Credit Acceptance Corp. The individual XXXX XXXX pled XXXX and went to XXXX. I have submitted all police reports regarding this crime to this company that I know nothing about. The Contract that Credit Acceptance Corp produced does not have my signature anywhere on it. It has my SS # wrong, my date of birth wrong, my address wrong, my name wrong, and my employment wrong. My attorney has written them habitually, however, IT IS STILL ON MY CREDIT REPORT! Due to this Company, my interest rates are higher for my vehicles and credit cards, can't obtain financing for a home. I have submitted the Federal ID Theft Documents, Police Report, and case number to both XXXX on 4 different occasions and XXXX AND CREDIT ACCEPTANCE CORP will NOT REMOVE IT FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Subject : Dispute of Collections and Request for Investigation under 15 U.S. Code 1681c-2 ( Section 605B ) Details : I am submitting this complaint regarding inaccurate and unauthorized collections accounts reported by the following agencies : XXXXarris & Harris Ltd . 
Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are appearing on my credit report without my knowledge or authorization. I believe these accounts may be the result of identity theft or inaccurate reporting.

Per 15 U.S. Code 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ), I have the right to request that these accounts be blocked from my credit report. This law requires that a consumer reporting agency must block the information if the consumer submits : A copy of an identity theft report ( e.g., FTC report or police report ).

Proper identification.

A statement that the information does not relate to any transaction authorized by the consumer.

I request that the CFPB investigate these agencies ' practices and ensure compliance with the FCRA. Additionally, I ask that the accounts be removed and blocked under 15 U.S. Code 1681c-2 until proven valid.