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

I opened a new checking and savings account with SOFI, I transferred money from my account with XXXX bank XXXX XXXX XXXX XXXX XXXX ) to the new checking account at SOFI. The account was then frozen for suspicious activity. 

on initiated transfer from XXXX ( XXXX XXXX XXXX Bank ) XXXX XXXX to XXXX. XXXX of XXXX SOFI credited {$2200.00} to Savings on initiated transfer from XXXX ( XXXX XXXX XXXXXXXX XXXX  ) on XXXX XXXX to SOFI. XXXX XXXX XXXX credited XXXX to checking on initiated transfer from XXXX ( XXXX XXXX XXXXXXXX XXXX ) on XXXX XXXX to XXXX. XXXX XXXX SOFI credited XXXX to checking at around the XXXX or XXXX of XXXX found out my account is restricted when logged into app, called SOFI Bank and was told investigation is going to strange activity, I explained to them them account is new and the deposits made is from external bank. I was told to continue to check app to see updates no updates seen, called back 2 more times. then on last call I asked to speak to the manager and was told she has no manager and she hung up the phone.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I checked my credit report XX/XX/20 and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX, but I am unaware of the amount due and your bill does not include a breakdown of any fees. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Experian a dispute letter regarding fraudulent inquires showing on my report with no response. On XX/XX/XXXX I sent another request for validation of said inquiries on my credit file with no response. On XX/XX/XXXX another request was sent. To date Experian has yet to send me proof of that I indeed authorized these erroneous inquires on my credit file
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. 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 identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the inquiries and erroneous personal information which were being posted to my report. Here is the list of items which were opened without my permission : Experian SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

I did not consent to, authorize, nor benefit from any of the following accounts or inquiries. Block and Remove them. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX to file a report. Please find the ATTACHED documents to assist in blocking the erroneous items which are being posted to my report. 
Here is the list of items that 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My bank has acknowledged that they know funds from my savings account were stolen from my savings account. They allege they have credited my account for a little over six thousand dollars. I have three receipts showing I deposited {$30000.00} on XX/XX/XXXX, {$14000.00} on XX/XX/XXXX and {$29000.00} on XX/XX/XXXX. Though I have repeatedly asked the bank to send me my money, they have sent me absolutely no money. I believe I should also be entitled to receive punitive damages for mental anguish and the financial hardship Fifth Third Bank, XXXX XXXX XXXX, XXXX, OH XXXX has caused me. I do not know what the law says about that. I assume you do. My savings account number at Fifth Third Bank was XXXX. My present address is : XXXX XXXX, XXXX XXXX XXXX XXXX. # XXXX, XXXX, Texas XXXX. I do not know how to send you copies of the receipts for deposit. What should I do next??
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 The following hard inquiries are unauthorized. XXXX already recgnized these accounts as frivolous and removed them from my report. I need Transunion to follow suit and remove them from my consumer report.

FCRA section 604 ( provides that *a person shall not use or obtain a consumer report for any purpose unless '' the consumer report " is obtained for a purpose for which the consumer report is authorized to be furnished under ( FCRA section 604 ] '' and " the purpose is certified in accordance with FCRA section 607 by a prospective user of the report through a general or specific certification. *12 FCRA section 619 imposes criminal liability on any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses.
Product: Vehicle loan or lease

On or about XX/XX/XXXX, we applied for an RV loan thru Essex Credit which is a division of Bank of the West. This same month, we submitted all paperwork necessary to secure the loan. There has been excessive lack of communication from Essex which prolonged the loan process, such as no address provided for submitting down payment, safety inspection, title etc. Miscommunication between Essex and previous bank regarding the RV title. Finally mid XXXX we were granted access to pick up the RV and take home. Payments to the RV loan started XX/XX/XXXX and we have continued to pay monthly. Included in the down payment were taxes, Title fees and license fees. 
Multiple calls have been made to Essex about the status of the title transaction since XX/XX/XXXX. We have continuously been told the process was in progress and within 30 days we should hear something. Various times, we have made contact w/ supervisors about the title status, they mentioned that they would escalate to the proper person and they would return the call. We have only received one call from Essex XXXXand that was to inform us that we were approved for the loan. We have never received a returned call by phone or email when there was mention of getting back to us. 
On XX/XX/XXXX, I sent a complaint letter in writing to the CEO of Bank of the West in XXXX XXXX, 10 days later we receive a letter informing us they are sorry and will be in contact, Again, no contact by phone or email. 
On XX/XX/XXXX escalation supervisor filed a full complaint of all events which was to lead to a full research and provided a complaint number/chart number and were told we would received a call of the status, as of this date, no response yet. 
More phone calls have been made to Essex and still no progress on the title. According to Essex, the RV title is to go to Bank of the West and from there to Tx XXXX. The title is still in the hands of Essex. 
XX/XX/XXXX, 2nd written letter sent to Bank of the West CEO, again a response by letter was received saying they are sorry and will be looking into it. No response. 
XX/XX/XXXX, phone call to customer service as usual, we were told the title was sent to Bank of the West on XX/XX/XXXX and once they receive the title, B of W will send to Tx XXXX for processing. 
XX/XX/XXXX, phone call to follow up on title progress w/ Essex XXXX Spoke w/ supervisor because now we are told that there is a late fee and because of this there is a delay. Again, now according to supervisor, it will be escalated to titling for follow up. 
According to our records and statements, we have not been notified of any late fees through billing, phone call or email. We asked reason for late fees and we were told because we have been out for 2 months, which is not true. 
We have been communicating with Essex thru either email and phone calls since XXXX XXXX and still no sign of progress with the title situation. 
Please help.
Product: Checking or savings account

Yesterday, XX/XX/XXXX, Bank of America closed my account without prior notification, I called to ask what had happened and they didn't give me an explanation, they left me without a dollar, I don't have to pay my debts or buy food because I have my money there, please help me. 
Now this will be a problem for me because it will affect my XXXX XXXX since I have a credit card with it
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX all have been grossly negligent in handling my accounts with XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX. This situation is a big ball of confusion if you take a simple glance at the letters received from XXXX and XXXX. 
I have been damaged for years with this company on listed my consumer credit report, with the assistance of the consumer credit agencies. I have decided to take additional measures with this matter. I have asked for debt validation and most times XXXX XXXX XXXX would send me a copy of the negotiable instrument that I signed. In their reply they said they bought a defaulted loan. The credit agencies would continue to send their generic responses or nothing at all. UCC 3-603 is clear about the Tender of Payment and UCC 3-311 is clear about Accord and Satisfaction by use of instrument. I signed a negotiable instrument, if there is any problem, mail me the original note and application back. If not, I demand my account is updated, current, no missed payments and placed in a paid in full status. I have sent XXXX XXXX XXXX affidavits of fact that were not rebutted point for point, nor have they responded to any if my demands that they sign and swear that their statements are true under penalty of perjury. The most recent letter I received from XXXX XXXX dated XX/XX/2021, I was notifying me that they had sold, transferred or conveyed my account over to XXXX. In XX/XX/2021, I demanded that the CEO, Executive Director XXXX XXXX Validate the " alleged debt '' under penalty of perjury, instead his attorney, XXXX XXXX XXXX responded but still did not do as I demanded in my letter or affidavit. I also demanded in that letter that my information not be sold, transferred or conveyed to any other parties. 
I
Product: Payday loan, title loan, or personal loan

Both my husband and i went to ace express, inc. # XXXX at XXXX XXXX XXXX XXXX, XXXX ohio XXXX, XXXX XXXX XXXX XXXX on tues XXXX XXXX to make an interset payment on our payday loan. we were informed that the interst payment had doubled. I paid my {$21.00} and was told that my interest payment went from {$21.00} to {$33.00}, my husband was told that his would be doubled from {$50.00} to and extra {$50.00} to make his interest payment {$100.00} a month. If we already have a payday loan and paying on it how can they raise the interest payment higher untell we pay it off. We can understand if we paid the loan off and reloaned. next month my loan will be paid off but there is no way im paying the extra {$33.00} with the {$100.00} i borrowed. It should be only {$120.00} not the {$130.00}. My husband will be paying an extra {$100.00} on his loan before he pays it off in full. With this comp when you get a payday loan you pay 4 interset payments before you pay the loan off that is how it has been for the past 2 or 3 yrs. If they are raising the interest payments they should wait till we pay our loan off and ask us if we are reloaning, if we are reloaning then they can inform us that the interset payment will double, if i had knowen it on the 3rd i would have paid mine off in full the {$120.00}.
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 recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed. i have attached documentaion verifying my identity my address and my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Errors in Experian data are making it impossible to verify my identity online, on the myeverify portal, part of dhs uscis. myeverify can't tell me what data is mismatched. Experian can tell me, but won't. most of the challenge questions on myeverify do not pertain to data that is on my credit report, and experian does not give me access to that data.

one thing that may be causing a problem is my birthdate, wh
ich experian has as the year only, no day, no month. experian has said twice that it was fixed, but it was not.

one of the experian customer service people hinted that other errors may originate in closed credit accounts. experian has correct data that says the accounts were closed years ago, but they treat them as if they are open for credit report purposes. The problem is that some of those accounts have really really old addresses and phone numbers for me. some of those accounts have been bought and sold to various banks. Experian wants me to contact the closed accounts and have them send updated data to experian. I don't know who even to call about those, and i doubt they would update my address and phone on a closed account anyway.
Product: Student loan

XX/XX/2018 was told that idr plan would better match the amount needed to match the interest accruing. Due to maternity leave my income had drastically cut my payment on paye, and I wanted the payment requested to match amount paid for tax purposes. I switched plans and requested not to have a forbearance, and to pay as scheduled. XXXX came and no payment was billed or taken out. I called repeatedly to get this fixed so I could pay. I was told that i couldn't pay unless they took the forbearance off ( which I never asked for, and requested against ). They took it off so I could pay, compounding my interest without my awareness. In XXXX I noticed, and called often, trying to determine why this even occured. I was told in XXXX they could take the forbearance off, which would get rid of the fee. They took the forbearance off, leaving the fee. I called for 2 months waiting for this to be fixed, and was told that they would not be refunding my account although I never asked for the forbearance to begin with.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their failure to accurately report my credit information, resulting in an unjustified drop in my credit score. Specifically, my credit score with TransUnion dropped by XXXX points following the administrative transfer of my home mortgage from one servicer to another. This change in mortgage servicers had no bearing on my creditworthiness and should not have impacted my credit score. 
I believe that TransUnion 's actions violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates the accurate reporting of consumer credit information. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. In this case, TransUnion failed to do so by allowing an unjustified drop in my credit score due solely to the change in mortgage services, which is unrelated to my financial behavior. 
Upon noticing the drop in my credit score, I promptly initiated a dispute with TransUnion as per 15 U.S.C. 1681i, which grants consumers the right to dispute inaccurate information on their credit reports. Despite submitting a formal dispute and providing relevant documentation, TransUnion failed to correct my credit report or provide a valid reason for the drop in my score. This is a clear failure of TransUnion 's obligations under the FCRA to conduct a reasonable investigation and correct inaccurate information within the required timeframe. 
As this error has caused unwarranted damage to my credit score, it has negatively impacted my ability to secure favorable financial terms in the future. I believe this represents a significant violation of my rights under the FCRA, and I am requesting the Consumer Financial Protection Bureau to take the following actions : 1. Investigate TransUnion 's failure to ensure the accuracy of my credit report and their inadequate handling of my dispute, as required by 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i. 
2. Restore my credit score to its appropriate level, reflecting my accurate creditworthiness and payment history. 
3. Hold TransUnion accountable for any violations of the FCRA and take appropriate corrective actions. 
I have attached all relevant documentation, including the TransUnion response to my complaint, evidence of my mortgage servicer change, and the resulting drop in my credit score. 
Thank you for your attention to this matter. I look forward to your assistance in ensuring that TransUnion complies with its legal obligations under the FCRA, and that my credit report is corrected to reflect accurate information.
Product: Debt collection

I am in disagreement with the items listed which still appear on my credit report, even afte r your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. Your cooperation and prompt attention are greatly appreciated.