23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I reached out to SoFi Mortgage for a potential refi ( conventional ) in effort to reduce my interest rate. After a credit pull, verification of assets, and property review I was quoted a conservative '' number of {$4100.00} to close ( with an expectation of everything settling around {$3700.00} ) to which I agreed. I paid the {$520.00} for the appraisal ( house appraised as expected ) and we moved forward. After underwriting, the funds to close jumped to {$9300.00} ( well over double ). I would have never paid the appraisal fee or moved forward had that number been disclosed to me from the start. The sales manager told me that it was " normal '' for numbers to flex but I have never seen the mark missed this badly in any mortgage I have ever had. I asked for a refund of the appraisal fee because of the extremely poor calculations on the part of SoFi but was informed that a refund of appraisal fee was not an option. Under normal circumstances, I would not ask for nor expect a refund of the appraisal fee ( not my first rodeo ) as that is sunk cost and part of business, but when there is an error of numbers to this magnitude, I feel a refund request is justified and not out of the realm of warranted. In the end, I feel that I was baited in and offered something that the mortgage broker could not deliver.
Product: Credit reporting or other personal consumer reports

In 2024 I had XXXX student loans consolidated. The accounts were bought by XXXX so they showed as closed under US department of education. Experian is the only account still reporting them as open. I have tried disputing them 4 times with them saying the information is correct. I have proof they were consolidated and should be closed. This is affecting me getting a loan for a home. I need them to report them as closed like they are.
Product: Checking or savings account

My concern is about the auto-pay that I did not approve the Synchrony Bank/PC Richards withdrawal of {$29.00} monthly deduction from my XXXX XXXX XXXX acct . As they had this info. this was the acct. was used to make my payments. I asked for proof off my authorization they could provide me with.. This is my supporting details additional information for my most recent dispute. 
I have been disputing this extra charge for a refrigerator that I did not order in XX/XX/XXXX. XX/XX/XXXX 18-month promotion and sale on refrigerators at PC Richards here in XXXX XXXX XXXX XXXX. where I always made my electronic and appliance purchases. I purchased two refrigerators one for my mom that I paid immediately and one for myself with the 18 month promotion. In XX/XX/XXXX on my PC Richards card also was a charge for a TV that was a six month promotion that I was not advised of the time limit I thought also was part of the 18 month promotion. When I realized that there was interest being charged on my balance. I called the store and spoke to the manager XXXX. As this was the time of XXXX, we spoke about the TV promotion. She extended that six more months so I can pay that off. With this click you will see she added another refrigerator without the extended promo. I believe this was just a mistake that could have and should have been taken care of right away. And or explained to me in detail that this was a correct charge that I was mistaken. I was told many times it was removed but always on my next bill..
Product: Debt collection

I worked for XXXX as an XXXX  XXXX. The company required us to have a credit card for required purchases. When I left the company, there was a delay in them paying off the debt. This card has been paid and has a XXXX balance. Receivable Management services calls on a bi-weekly basis attempting to collect on this debt. I have now communicated to them three times that there is no longer a debt. They continue to call me and use names like deadbeat, and ask where they can direct legal documents ( implied threat ). I have also filed to be on the National do not call list. I have asked them to commutate by mail, I have asked them to put me on their do not call list. The calls continue.
Product: Consumer Loan

Capital One will not remove late payments the reported on my credit reports in violation of FCRA XXXX XXXX a ) ( XXXX ) ( G ) ( i ). I have disputed this account several time and they will not remove the late payments they reported to the XXXX CRA 's. The account was paid in full and asked them to remove the late payments because I never received any FCRA XXXX ( a ) ( XXXX ) ( G ) ( i ).
Product: Credit card or prepaid card

I am a XXXX American Veteran with protective status with service connected hearing loss off over XXXX XXXX. I filled out an online application and received a CC from Synchrony bank ; When I received my statement it was full of late fees or fines that i did not understand would be assessed. I did not read the fine print shame on me, but to correct my error i am fined again I guess they run this scam I am particularly vulnerable do to my hearing loss. I attempted to contact synchrony but was informed it was a XXXX dollar fee to speak with Customer Service if a company can not afford to pay for adequate service is not a company I fill the need to do business. I immediatly canceled the card. I guess they are continuing to charge my card without my authorization. but to pay off my card and dispute any charges is XXXX dollars. I would like to pay off this balance and never do business with this obviously predatory lending agency again. I am finacial secure and can take this as a Leason learned Maybe its me but paying someone to use my own money seems like extortion. I have attempted several times to contact synchrony credit services I am charged {$10.00} dollars to speak with a customer care reprehensive and because i have trouble understanding they charge me XXXX dollars to my CC and hang-up. I guess this is my fault for being so naive to believe that a company is not required to make reasonable compensation to adjust to my XXXX. I have chosen not to do business with these people and used an automated system to close the account. The issue is that the synchrony has not only refused to honor their reward system but also is requiring me to pay XXXX dollars to just pay my bill that is {$510.00} plus late fee and other charges I can not dispute. currently I am at {$60.00} in late fines, that i am being charged interest on. I guess I am old and stupid and do not understand a business this odd business model, but synchrony can run their anyway they chose I would just like the opportunity to be free of any business dealings and encourage others to stop accepting this because some lobbyist group pasted legislation to make this legal. If someone mugged me of XXXX dollars I could call the police but a company can just charge me any amount and I have to except it without anyway to dispute. I would like to settle with this organization, but they only seem to have virtual agents that just are worthless for someone with my severity of hearing loss. and why should I be FINED for errors that Synchrony has made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is for the XXXX XXXX account on my report. It reports Collection charge off when it was never charged off its all reported as a collection until recent. This account balance has been paid in full please remove from my report. Thanks
Product: Credit card

A JCMBC account was opened XXXX without my knowledge or consent. I called company and closed the account. Reported Fraud to all three bureaus and added fraud alerts.When I asked for proof of application the woman said that it can't be released because I didn't open account.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the entity listed below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 16841 Spring Oaks Capital , LLC Acct # XXXX has violated my consumer rights. 

15 U.S.C 1681 Section 602 A states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C. 1692b ( 4 ) not to communicate by postcard.

15 U.S.C. 1692b ( 2 ) not to state that such consumer owes any debt.

15 U.S.C. 1692b ( 5 ) not to use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Product: Checking or savings account

Goldman Sachs USA Bank never deposited my XXXX Payroll check today. They stole my XXXX payroll check that was supposed to be deposited today for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about this issue and it has not been resolved. This has been detrimental to my credit. It dropped my score down over 130 points. I have reported this issue since XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX AUTO FINANCE Inquiry Date XXXX, XXXX XXXX. XXXX MORTGAGE via XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX CO Inquiry Date XXXX, XXXX XXXX. XXXX XXXX XXXX via XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX XXXX XXXX Inquiry Date XXXX, XXXX XXXX. XXXX Inquiry Date XXXX, XXXX XXXX. FXXXX XXXX XXXX Inquiry Date XXXX, XXXX
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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

Hello, I mistakenly sent {$710.00} to the wrong person on CashApp on XXXX. The person had the same name but one letter was off. After I realized the mistake, I immediately tried to cancel the transaction. Called CashApp and they told me transaction had already gone through and told me to request a refund from the wrongful recipient. I did, he denied my request and blocked me. CashApp told me I was out of luck. 

I have also disputed this transaction with my bank, XXXX XXXX. I called them while the transaction was still pending and they said to wait for the transaction to post and then file a dispute. I did, and a couple weeks later they send me a letter in the mail notifying me of a denied dispute.
Product: Checking or savings account

Somebody deposited a check in my account that was not me. Ive had a hold of {$500.00} on my account for over 2 months now. Ive paid the past balance for the XXXX that was deposited in my account yet the hold is still on there keeping me from my money
Product: Debt collection

Debt for phone service through XXXX was placed on my credit report. I have been a customer with XXXX for over 13 years. I have had 3 Phones with them and several devices throughout the years. Ive never made a late payment. 

XXXX collection agency counted me out of the blue and said I owed them money. I explained what I stated above and asked them to provide me with something that proved I was an owner of this debt. The very next month I was alerted that thay had placed the claim on my credit report. 

I disputed with agency and two days later ( today ), received information saying that it will stay on my report. 

This is not my debt. I have not had an XXXX account and they will not provide me with any information.
Product: Credit reporting or other personal consumer reports

I ordered an updated credit report recently while applying for a loan and discovered a previous home address, a few accounts, and several inquiries I do not recognize. I have filled a police report locally # XXXX, an FTC report # XXXX, and a completed Identity Theft Affidavit that was notarized detailing all disputed items as mentioned, along with a full-color copy of my driver 's license, social security card, proof of residency, FCRA 605b documentation ( 2 ) pages, and my individually typed letter to each credit reporting bureau recapping my dispute and incident reporting of the accounts/details of the information that should be removed from my reports within four business days of an alleged identity theft incident. 

I have sent all of this to Equifax, XXXX, & XXXX, and as of today ( XX/XX/XXXX ), only XXXX has complied with the law and provided overly substantial proof of my claims. My family is on the verge of closing on our very first home this upcoming Monday, XX/XX/XXXX. The urgency of this situation can not be overstated. These listed accounts below are incorrect and should be removed promptly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As of today ( XX/XX/XXXX ), XXXX is the only bureau that has done anything about this. Both Equifax and XXXX have not complied with the FCRA605b law/standard to do so in 4 business days, even though they have been in confirmed receipt since XX/XX/XXXX and XX/XX/XXXX.
Product: Checking or savings account

I attempted to withdraw XXXX dollars from a gas station ATM on XX/XX/2020 but had forgotten my pin. I never received the cash my transaction was denied due to invalid pin. I have receipts showing no money was dispensed. My bank ( Chime bank ) deducted the XXXX from my account anyway. I have disputed and was denied with no reason except that the ATM company said no error occurred. I have emailed them and they won't answer me. I have attempted to reach out all the way up through the company including the CEO but have been ignored. No one will help me and I can not afford to lose this money.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX has incorrectly reported a loan from XXXX XXXX as a Charge off. My loan is in good standing and it was not charged off.
Product: Mortgage

I purchased my home in XXXX and after my loan closed and 2 deeds were recorded as it was a bond loan, the lender had to redraw docs -within the same month- and 2 new deeds were recorded. However, at that time, the original deeds were not reconveyed. When my loan was modified in XXXX, this was supposed to have been resolved. I am now selling my home and all 4 liens are still on my title. I have reached out to the service - Loancare- as has title and escrow with a request to provide a full reconveyence letter once the loan is paid in full and no one is assisting. For 39 days I keep getting tomorrow or we will call you back and nothing is happening. Now I am paying XXXX a day on the extension for the home I am buying that was supposed to close on XXXX and they will only extend until XX/XX/XXXX and my earnest money is no longer refundable. XXXX addition, my buyers for my home are requiring me to pay for their lock extensions and are threatening to sue me because I signed a contract stating I had a clean title which I clearly dont. Today is my dead last day and Loancare has opted to ignore my calls, emails and puts me on hold for hours at a time to come back and tell me that it will take some time. I dont know what to do. I am going to lose everything over their mistake and no one cares. I need help. I had a modification that they tried to fight but lost because they violated HIPPA and I feel like I am now being discriminated against for that, as though they want to punish me for needing help. This is clear discrimination and I am not able to do anything else
Product: Debt collection

I paid for this debt in full for the amount of {$1300.00} to a XXXX XXXX law firm who is allegedly associated with Ad Astra Recovery Svs In. I asked for a receipt for the amount I paid and was told they do n't give receipts. I call the company several times before I even paid the debt and no one would assist me in resolving the matter. I want a receipt for my money paid mailed to me asap and this item removed from my credit report. I do n't even live in XXXX I live in XXXX and I was n't even suppose to receive a loan if I was n't a resident of the state XXXX. I do not have a XXXX Id or DL, I was temporarily working a XXXX job there over a year ago. I have paid this debt and I want my proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone at my old address of 5 years ago committed identity theft and opened a discover card under my name. I filed a report at XXXX and sent the report to all three credit bureaus. The others bureaus deleted the fraud but XXXX refuses to honor it as it remains on my credit via XXXX only.
Product: Mortgage

Shellpoint Mortgage Servicing has placed lenders placed insurance on my account, I have sent them a copy of my insurance 6 times now as well as called and walked them through this multiple times. They keep issuing partial refunds and raising my payment for lenders placed insurance. I have contacted them numerous times. They have been holding in excess of XXXX dollars of my money now for 90 plus days without returning it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This Citibank, which is under CBNA account I guess belongs to Best Buy. I called them XXXX XXXX times to let them know that I am a victim of identity theft I did not open this account. I was told by someone in the hardship department that even though I did not open this account that I needed to go on a payment plan for {$43.00} a month so my credit score will not drop. I just check as of XXXX 2024 that my score has dropped XXXX points because of them again for an account I did not open I have provided XXXX report my new address written statement and a police report and they still will not delete this from my credit this is unfair that I have to pay for something that I did not open.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under XX/XX/XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.