23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to have my credit report reviewed by someone that knows what they are doing! 
I have been in OHIO for over 10 years I have addresses on file that I never lived at. My name is XXXX XXXX XXXX not XXXX XXXX XXXX. Please correct. I live at XXXX XXXX XXXX XXXX, OH XXXX : please delete XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX. The following companies and account I do not recogize as doing business with these companies : XXXX XXXX XXXX TES55228** XXXX XXXX XXXX 522126000023**** XXXX XXXX XXXX XXXX XXXX XXXX 26781** XXXX XXXX XXXX 3000017425527**** XXXX XXXX XXXX 8147**** There is plenty of case law and provision to protect my credit from inaccurate information XXXX vs. TransUnion , XXXX vs. TRW ( XXXX ), and XXXX vs. XXXX , XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX Date Opened XX/XX/year> Balance XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/year> Balance XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/year> Balance XXXX
Product: Mortgage

The loan application started and I received my 1st loan closing fee XXXX/XXXX/16 {$4500.00} 2nd loan closing fees XXXX/XXXX/16 {$3600.00} 3rd loan closing fees XXXX/XXXX/16 {$4100.00} 4th loan closing fees XXXX/XXXX/16 less then 24 hrs for the last {$5300.00} It has been 93 days and the loan is still not closed, now we have a closing set before the of the year and the fees keep going up and up They stated that ant fees would be around {$300.00} now {$800.00} The answer was they were, backed up, they were not backed up when XXXX to pay upfront fees of {$450.00}. 
I gave them everything they wanted since day XXXX and it took over 100 days to process and fees keep going up and up
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 from CBNA repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report And this inquiry address shows on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX
Product: Student loan

XX/XX/scrub>XXXX XXXX  after speaking with an individual the 10 years repayment plan was set up. After one year or so, I spoke with someone at the Navient and they said my plan had been pushed back another year. Then recently talking to them and since I applied for the income based program that i no longer qualify for their program. This was this year unknowing that they were currently in a lawsuit with the government for deceptive loans practices. and yet this same thing occurred with me when XXXX XXXX serviced my student loans.
Product: Vehicle loan or lease

Harley Davidson Financial Services.

I am currently behind on my loan payments and have been trying to catch my past due payments ( past due interest ) when it was brought to my attention that every month the finance company is applying partial payments to the past due interest and the rest to accrued late charges. This has been an ongoing issue for over 12/mos now. With this being said. I trying to discuss with finance company that you can not apply partial payments to the past due payments so late fees can be covered they advised me I was incorrect. When requesting a detailed breakdown of the last 12/mos of payments, I received a breakdown of each months payments with no evidence reflecting the reduction of principal, past due interest or any amounts that have been applied to late charges collectively showing the application over the 12mos of late charges paid. his has been an ongoing issue with Harley. Please assist in resolution.
Product: Debt collection

I sent an attachment, and it looks like they never opened the attachment. They claimed it was a duplicate complaint. They need to open the attached document which is a Demand for Removal of Collection Account # XXXX.
Product: Money transfer, virtual currency, or money service

Complaint ID XXXX On XX/XX/year>, I transferred {$500.00} from my account at Bank of America to my account at XXXX XXXX  XXXX However, later I learned that XXXX XXXX  closed my account. They said my funds were immediately turn back. Unfortunately, the refund never occurred. When I contacted Bank of America, they informed me that the transfer was processed correctly and that the funds were successfully sent. After that, I reached out to XXXX XXXX, where I was told that no funds were present in their system and that they could not assist me. I have contacted both banks multiple times in an attempt to resolve this issue, but neither has been able to provide information about the whereabouts of my funds or return them to my account. Both Bank of America and XXXX XXXX  have failed to take responsibility for the return of my funds, instead attempting to shift liability onto each other. As a result, I have been forced to dedicate significant time and effort to resolving this matter, yet there has been no progress in locating or recovering my funds. This ongoing lack of accountability has caused undue inconvenience and financial uncertainty. I formally request immediate action to rectify this situation and facilitate the prompt return of my funds. I kindly request an investigation into this matter to determine the location of my funds and ensure their return to me. 

Last week I received a phone call from Bank of America support XXXX XXXX XXXX XXXX, but our conversation was interrupted. 
I received email containing XXXX phone number. I called back the same minute, I tried to reach her many times, but her phone number XXXX was not available. I was waiting that someone call me back, I left a few messages asking call me, but no one called me back. In that case I would like to resume consideration of my complaint with Bank of America. 
Also I would like to know status of my complaint with Bank of America bank, and get phone call from representative Bank of America and email notification with information about the refund.
Product: Credit card or prepaid card

On or around XX/XX/2022 I signed up and was approved for a SoFi credit card. On the same day as my approval, I used SoFi 's chat support and spoke with " XXXX XXXX ''. The chat log is as follows : XXXX XXXX : Hi, XXXX XXXX, thanks for choosing SoFi! My name is XXXX XXXX, How can I help today? 

Me : Hello! I want to check if my sign up bonus offer linked to my account is the XXXX offered here : https : XXXX Herson V XXXX When did you apply for your Sofi credit card? 

Me : Just now XXXX XXXX : That is the same promotion, however there are some other requirements for instance : To receive the offer, you must apply and get approved for the SoFi Credit Card and have an active direct deposit through their SoFi Checking and Savings Me : Right. My question is : for the credit card I was just approved for, is this offer tied to my account ( i.e., the spend {$1500.00} to get {$200.00} ). 

XXXX XXXX : Yes! 

Me : Perfect, thanks! Do you have an idea of how long after spending the {$1500.00} it takes for the {$200.00} statement to be reflected? 

Me : I just want to make sure to confirm it worked once I spend that amount. 

XXXX XXXX : It should be immediately Me : Awesome. Thank you so much. That's all I needed After meeting the minimum spend, I did not immediately receive the {$200.00} offer as a statement credit. I contacted SoFi using the chat feature again ( date uncertain ; around midXXXX ) and was told that SoFi would look into the issue and follow up with me. 

Today ( XX/XX/2022 ), I contacted SoFi using the chat feature again as I never received a follow up. I spoke with " XXXX XXXX '' and was told that " it seems [ SoFi 's ] special team declined our previous ticket, you spent the requirement of {$1500.00}, unfortunately we don't show a XXXX XXXX 's affiliate link was use. [ sic ] '' After describing the above, I was told there was nothing else that can be done except that XXXX can forward my complaint. He could not assure me that SoFi would follow up with me on this issue when I asked. 

I spent {$1500.00} using SoFi 's credit card in reliance on receiving the {$200.00} offer that I was assured was connected to my account. A proper resolution would be honoring this offer.
Product: Checking or savings account

My XXXX XXXX credit card send me a check so I can use without interest for 18 months So I deposited that check on to my truist bank checking account on XX/XX/2022 They ended locking my checking account cinse that day. I have been calling every day so they can fix that. They keep saying that the check will be return. And know my credit card needs to get a minimum monthly payment. Can you please help me out or tell me what to do thanks Sincerely XXXX XXXX XXXX XXXX or XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective actions to prevent and acknowledge fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I had decided to end my business relationship with XXXX XXXX, DE. I had a XXXX with this financial institution, and decided to transfer the current balance over to a different card. Thus, I had no reason to monitor my account. I had not realized that a vendor that I had done business with in the past ( XXXX ) had been posting unauthorized charges to my XXXX XXXX, until I had begun receiving emails from XXXX regarding my account being past due. By that time, I had already been 60 days late in paying my credit bill. I quickly contacted the vendor, and explained the situation, and XXXX had credited me back for the amounts they had charged to my card. I then went to XXXX, and they reversed all late fees. The problem I am facing is that both XXXX and TransUnion are refusing to remove the 30 & 60-day late entries on my credit bureau reports ( which are the only adverse information on my report ). This is where I need help -- in getting these negative items removed from my report to retro-chronologically reflect what my report should have had, had there not been any unauthorized charges to begin with.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act XXXX Account # XXXX Collection agency : XXXX XXXX XXXX, has violated my rights. 15 U.S.C. 1681 section 602A. states I have the right to privacy.

I also see that 15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. No written instruction were provided my me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues with my current information not being updated properly. First up my name is XXXX XXXX XXXX, please remove ANY and ALL variations of my name they are not correct. My Job is XXXX please remove any other employer they are not accurate. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have attached my ID and SS card As proof of my only address. please remove all other addresses they are not mine!! I have 3 unverified accounts that have not provided the necessary request documentation to prove ownership or DOLA, anything I dont even know where these account came from please delete the following accounts : XXXX XXXX BAL. {$590.00}, XXXX. {$320.00}, XXXX XXXX BAL. {$250.00}, the unverified items listed above still 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. I understand the FCRA 611 and 623 to state there is a protocol and compliance standard to address these issues.
Product: Credit card

this letter to inform you that I have notified the credit bureaus of misreporting any in accordance with the Fair Credit Reporting Act. According to which, as the XXXX XXXX in question, you have a grave responsibility of maintaining the accuracy of that XXXX  account ( list name and number of account ) is reporting a balance of ( enter be at ) when it is my understanding a reason to believe that because this debt was charge at it was memorialized with a form 1099C as proof or evidence thereof. And that XXXX is debt is cancelled and at least should not reflect the balance that is currently shown e amount ) on my consumer file. XXXX  indicate inaccurate reporting on your behalf and therefore is a XXXX XXXX  to continue to report this inaccurate information. Especially with and confirmation of the errors. provide me with the return of the time and form as prescribed by regulars re, my address, my TIN, the date, and amount of the discharged/charged thon as prescribed by the Secretary. then I would demand that the account be removed from
Product: Checking or savings account

Chase bank closed my account and for about 7 months they have failed to send me the check of my remaining balance of {$750.00} that they said was already on its way. They say it could take a couple months. 3 months go by and I contact them ask to speak to their supervisor for them to hang up on me repeatedly. I called over and over for them to hang up and not give me any names of who was working. Simply telling me there is no money owed to me and hanging up. This is astonishing that professionals would act this way, not to mention I have no idea why my account was closed in the first place. Then I got ahold of them recently for them to tell me I need to have every quickpay transaction verified. I told them ok how should I do that and they said have everyone you have done quick pay with call in. Well I see so many flaws in that how are they supposed to know whos calling in is really the person. How am I supposed to contact everyone I did quick pay with if I cant access my account to see all of the friend and family I have transfered money with? Well they weren't too sure either because I got hung up on when I asked.
Product: Mortgage

I applied for a loan modification with chase bank in order to save my property from foreclosure and a foreclosure on my credit recorded, so after pleading with chase to obtain a loan modification, i have been forced into a short sale of my property so after so period of time my Realtor located a buyer for the property and made an offer to chase, but chase is telling us at this time there going ahead the foreclosure anyway, they would n't modify the loan and now they wont allow me to sale the property to avoid the foreclosure on my record, i believe this is a great injustice to me and my family by this bank who has received billions of dollars in federal aid paid for by tax payers like myself, can you please help in this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report, and I am finding debt that I have no knowledge of and I would like the creditor to remove from my credit report as it is making it hard for me to purchase a new home. The following are listed, and I am asking to be removed immediately : 1. XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX CO {$310.00} XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX {$470.00} XX/XX/XXXX 4. XXXX  {$250.00} XX/XX/XXXX 5. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Consumer Loan

I Went To Pay On My Loan That I Borrowed From instaloan On XXXX/XXXX/2016 For My Car, When I Got Done Making A Payment On My Car The Vocher They Gave Me Said My Next Payment Would Be {$71.00} And The Balance Would Be {$870.00} But When I Went To Make That Payment On XXXX/XXXX/2016 They Said That Was Wrong And That My Balance Is {$960.00} And My Payment Is {$170.00} So I Think The Are Using Me To Get More Money Out Of Me, And I 'm Sure I 'm Not The Only XXXX They Doing This Too.
Product: Debt collection

Some time prior to the initial incident, XXXX contacted me after I had already made a promise to pay. She contacted me the day prior, then again the day of my pay promise. I asked her not to repeatedly contact me unless I miss my pay promise. Once a pay promise is made and they make contact with me, I do n't believe I should be repeatedly harassed for the payment. XXXX, possibly the XXXX or XXXX, got on the phone with me and proceeded to DEMAND a post dated check. I informed her that I do n't have checks then she said that 's what they have to do. However, I had never been demanded a post dated check at this office. She basically attacked me and spoke to me like I was a child. I felt very attacked. I was then accused of using obscene language with others in the past, which I have never done. She claimed that XXXX expressed to her that I had cursed her out before. I informed her that was a lie. She then retracted and said that XXXX expressed I was rude, not that I cursed her out. During the course of the conversation, I was told by XXXX, " I can go at this all day. You ai n't gon na win, '' then " You just mad cuz I called you out on your mess, '' and " I do n't care because imma be ok after this arbitration, honey. '' She then accused me of speaking to her in such a manner because " she 's XXXX ''. She expressed that I spoke to her colleagues differently because she 's the only XXXX girl in the office. It is my understanding that she is new to the office, therefore, I 've never met her and only conversed with her via telephone. This was actually the first conversation I ever had with her. I had no way of knowing the XXXX of her skin and that is absolutely irrelevant and absurd. Never in my years working with First Heritage Credit have I been harassed, disrespected or spoken to in such a vulgar and obscene manner. Prior to this incident, First Heritage Credit has always been professional, sympathetic with my shortcomings, and willing to work with me to find solutions. It baffles me that they would employ such a negative representation with their company. I am absolutely ashamed of this company at this point and never want to do business with them again.
Product: Credit card or prepaid card

Synchrony bank has, for the third time in the last 3, allowed someone to fraudulently use my information to open years. 

OnXX/XX/XXXX, I received a notification from PayPal that I did not request. I called and requested information, and was advised to change my password. 

However, on this day, someone else was actually opening a credit card in my name. 

My concern with synchrony bank is that they are not properly screening applicants, as none of my actual information except the social security and phone number matches the information on the active account. 

They should be held responsible for their lack of effort in protecting social security numbers and ask for positive ID before allowing people to open accounts. Its completely ridiculous that this has happened three times over, and they come the credit bureaus instead of accepting responsibility for their own negligence.
Product: Credit reporting or other personal consumer reports

I recently began looking into moving and I noticed inaccurate information on my report I began reaching out to XXXX & TransUnion to get this information updated/ changed/ Deleted with no success or response Im hoping this complaint can get something resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i. 

I did not give permission to run my credit and acquire these inquiries. 

XX/XX/2023, XXXX XXXX ( XXXX ) XX/XX/2023, XXXX XXXX XXXX ( Experian ) XX/XX/2023, XXXX XXXX XXXX ( XXXX ) This is very frustrating and holding me back from the credit score I deserve.