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

I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNT IN MY NAME { XXXX XXXX, XXXX OPENED : XX/XX/2021 AMT. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

3 months ago Midwest reported my credit score without my consent and I demand for it to be remove since second party XXXX XXXX XXXX was already aware of the issue I was having and still refused to refund my complete money that was already given to them in the account number # XXXX. My credit was reported unfairly and without my consent and ask for it to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am a victim of identity theft
Product: Student loan

I applied to SoFi to refinance a private student loan in the amount of {$29000.00} on XX/XX/21, because they were offering great interest rates, following a short inquiry. Upon seeing my rates/terms, I proceeded with the application, which requires a hard credit pull. Assuming at this point it's a formality, since I was already offered terms based on a the quick inquiry. Upon submitting my application, it was under review for several days. On XX/XX/21, I received notice that my loan application was denied for the following reason : Does not offer credit on the terms requested. 
Not fully understanding what that means, I called and spoke with their customer service representative, who didn't seem to understand the issues and started by giving me multiple excuses that didn't make sense. After putting me on hold for a while, they returned to tell me that they won't offer terms on loans if the school I attended wasn't a XXXX XXXXXXXX school. This is incredibly misleading because at no point does this application process turn you away, or warn you that if your school isn't listed, or if it's not a XXXX XXXXXXXX school, they won't offer terms for refinancing. They even provide an option to select " other '' if your school isn't listed, and give you the opportunity to provide your school. Had I known this piece of information prior to submitting the application, I would've opted out of submitting to avoid a hard pull on my credit. Their entire process is misleading, by making it seem like they have terms that you're pre-approved for, and then turn around and deny the loan for the original loan not being tied to a XXXX XXXX school. Now I have a hard pull on my credit report, which I am stuck with for two years because of SoFi 's misleading process. This is without a doubt the most unprofessional business I have ever encountered regarding financing, and they need to fix their application process rather than duping people.
Product: Credit reporting

item 's on my credit file was deleted. ( XXXX credit card with a balance of {$580.00} ) because this information reported was false. also info on a XXXX privet student loan with a balance of XXXX and XXXX XXXX privet student loan with a balance of XXXX the information being reported on these accounts are completely false and does not comply with the fair credit reporting act 15 USC 1681 et seq
Product: Debt collection

I notified the manager of the store location where the loan was obtained on XX/XX/21 via email that I could not receive personal phone calls at work. They then still called my work phone on XX/XX/21, so I reminded them again I was not allowed to receive calls at work. On XX/XX/21 they called my work phone again and I again reminded them not to call me at work. I received another phone call today ( XX/XX/21 ) despite numerous emails telling them I could get in trouble for receiving personal phone calls at work that they responded to.
Product: Checking or savings account

A fraud charge in the amount of {$1200.00} to XXXX on XX/XX/XXXX was reported to Discover on or around XX/XX/XXXX, closed out shortly thereafter citing inconsistencies. As I explained to Discover rep ( s ), I did make a call prior asking about funds availability and advising a charge from XXXX might attempt for an amount in range of {$1300.00}, I was looking at a mini-bag at a boutique in XXXX XXXX, CA for my girlfriend, I decided not to purchase. The transaction in question came from a boutique in XXXX XXXX, CA, not XXXX XXXX, I explained to first rep in disputes XXXX does not offer refunds, only store credit, the XXXX rep I spoke with did not understand situation and I was unable to reach store manager at the time. The Discover rep referred to initial call I made asking about funds availability and charge from XXXX might attempt, did not understand matter. I made a second call, spoke with another Discover rep, whom referred back to conversation with first rep, did not understand charge is fraud and I did not provide card number to anyone at XXXX. Unable to file a claim with rep, I made a third call, explained and spoke with a XXXX whom opened a fraud claim, was explained I did not purchase anything at XXXX and did not provide my card number to anyone at the company. The fraud claim was closed out on Monday after, citing inconsistencies ... It appears they refer to first call made inquiring about funds availability and possible charge from XXXX, in case a fraud alert is raised. Please note, the prerecorded message when calling Discover states calls MAYBE monitored and recorded, not WILL BE monitored and recorded in which case my consent was not given to do so.. One of my attorneys listened to the message, agreed the language is not clear, Discover is not able to refer to such illegally recorded calls. Recently, I provided a tracking number received from XXXX for a package supposedly sent which was not received and has signature required on it, supposedly delivered on XX/XX/XXXX with no signature. I explained it appears someone intercepted package as most scammers like to do after making a fraud purchase, Discover reps did not seem to take this information into consideration.. I've contacted XXXX, filed a claim in an attempt to resolve fraud claim, however, it is not my responsibility to do so.. Discover should resolve such claims with merchants, not the customer. Further, they can not refer to illegally recorded calls without consent as basis for closing out claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXXXXXX XXXXXXXX  Inquiry : XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXXXXXX XXXX Inquiry : XXXX, XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry, XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX, XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX, XXXX, XXXX
Product: Credit card

I opened an account with Amazon prime for a credit card issued by Synchrony Bank. They added a fee for card security without my permission at a cost of {$2.00} per month. They were counting on my not catching this. When I called the telephone number for customer service I was connected with an off shore call center staffed by English speaking foreign nationals. The rep said he would cancel. 
This is an example of a predatory and dishonest credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a report from XXXX, my fraud company, that XXXX XXXX ran my credit check. I have had multiple problems with someone stealing my identity which is why I am with XXXX  I contacted Equifax, XXXX, and XXXXXXXX XXXX XXXX directed me to XXXXXXXX XXXX and XXXX XXXX is absolutely awful!! They were useless in why my credit was ran and hung up the phone on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Visa credit card with BBVA since XX/XX/2020. Never been late, always paying in full. But this company does not report my credit activity to the credit companies ( e.g. XXXX ). This is against American lows, or BBVA makes their own?
Product: Money transfer, virtual currency, or money service

In light of the circumstances, I am seeking reimbursement for the financial losses I have experienced, as well as corrective actions that will prevent future issues for myself and other consumers. I hope that regulatory action will prompt Block, Inc. / cash app to prioritize customer service and adopt fair practices that comply with applicable laws.I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate Block , Inc. for their actions and hold them accountable under the provisions of the CFPA, EFTA, and Regulation E.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain inaccuracies present in my credit report that require your immediate attention :
Product: Credit reporting, credit repair services, or other personal consumer reports

When i was laid off by my company in XXXX of XXXX, i applied for and was generously granted Forbearance relief with my mortgage company. The assistance that i received postponed our monthly mortgage payment until the end of the Forbearance agreement which i believe was 9-10 months. 

Upon returning to work and and ending the Forbearance period in XXXX of XXXX, we began paying our back payments ( in addition to our monthly mortgage ). So, we paid double payments until through the end of XXXX until we were caught up. We were religious in making these payments a priority and did not miss or were late with payment during the repayment period. 

When we recently applied for credit, we were declined based upon having XXXX late payments reported by Shellpoint Mortgage. I contact Shellpoint and was told conflicting information. They showed the " lates '' but were not able to answer my question... how could i be late when i made every ( double ) payment. Strangely, the " lates '' came mid-way through my repayment- XXXX, XXXX, XXXX and XXXX of XXXX. 

I had received " late notices '' a couple of time earlier in the year. I was told that the system was still auto-generating delinquent notices, but i should ignore because i was on a Forbearance program. 

I would like to have the delinquent notices removed from my credit report with all three agencies. 

Thank you!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my cousin XXXX reached out to me and asked for my help finding a house for rent in the XXXX, GA area where I live so she could relocate here from XXXX, TN. So I went on a very popular and reputable website called XXXX that I had used several times before in the past. I found a listing at XXXX XXXX XXXX XXXX XXXX, GA XXXX so I reached out to the agent on the listing via text message on XX/XX/XXXX at XXXX, ( I have screenshots to show proof of all our messages back and forth ). He said his name was XXXX XXXX and he responded stating it was no longer available but he had another home at XXXX XXXX XXXX XXXX XXXX, GA XXXX and he sent me details with the pricing and rooms etc and pictures. We continued to communicate about move in date, application fees, rent amounts etc. We set a date for the following Monday to meet for me to see the place. 

Then he stated he can not meet me because he is in XXXX due to illness of his son who has been XXXX  from XXXX for 2 years and that he will provide me with the lock box code of his home to view myself. I provided some sympathies for his son and confirmed that I would call him on Monday for the code. 

Monday came, and he said that home is no longer is available but he had another home available at XXXX XXXX XXXX XXXX GA XXXX. He sent the details about the house and lock box information. I took my son with me to the house. When I arrived I facetimed my cousin XXXX who was in XXXX, TN so she could see the house. 

The lock box code worked. I was able to see the house. My cousin sent the money for the deposit to me. XXXX XXXX emailed the application and we continued to communicated via text with next steps about payment. He said the monthly rent is {$900.00} and refundable security deposit is {$1200.00} making it a total of {$2100.00}. So that is what my cousin sent me. That is what was sent to him. 

After the funds was sent, he started asking for more money for insurance cover policy which is when I started to get suspicious because I had never heard of such thing in renting ahouse.He asked for {$300.00} for insurance policy.I requested he email me a receipt for the funds I had already sent him and he refused to send it. Then he stopped communicating with me altogether on that Thursday. 

I reported this to the XXXX XXXX Police Department XXXX # XXXX. The police sent me a letter on XX/XX/XXXX saying a possible suspect has been identified but they were located outside of Georgia and the case was transferred to XXXX XXXX. ( the copy of the letter will be attached to this complaint ). 

I also reported it of course to XXXX  XXXX XXXX but I was told by them there was nothing they could do.
Product: Debt collection

XXXX .XXXX clinic said I had a copay for {$960.00} which I paid upfront.I got a account XXXX and additional amount.I called then up and told them I have already paid it.They send my bill to a collection agency.I called and tell them I refuse to pay it because I have already paid it 1 year later the XXXX clinic send me a XXXX for XXXX for over payment I called the collection agency and offer to pay them They refused the amount .My credit record is ruined and they still do not want to listen to me or help me Why am I beiing punished if they could not do there work
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the payment history information that appears on my credit report from XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) XXXX5 USC 1681a ( 2 ) under Exclusions, report containing information solely as to the transactions or experiences between the consumer and the person making the report ; I have reviewed my credit report and found the payment history information and account balance should be excluded from my report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, DEPT OF ED/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted emailed to the companies, I disputed the inquiries the week of XX/XX/XXXX over the phone. I have not received a response from XXXX XXXX XXXX at all. The Credit Buteas responded Inquiries are factual record of file access. If you believe the This was unauthorized please contact the creditor. When I reached out to the creditors they advise me to contact the Credit Bureaus. This is running me into a circle. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The FCRA 623 and 611 state that any information can be disputed and must be investigated. I received a response from my call with the credit Bureas less that 8 days from the date of my dispute. One can only assume no investigation was completed. 

I also requested that an address be removed from my credit report on Equifax the same week the first week of XXXX. I have never lived there ever. I have lived in my home for almost 11 years. The representative advised she would remove the address. I viewed my XXXX XXXX report yesterday XX/XX/XXXX and the address was added back without them advising me. The address begins with XXXX. This is not Ans has never been my address. They added it back without my knowledge. I called today XX/XX/XXXX and a Reps was argumentative about the address and indicated shes open a dispute. My concerns is why was the address added back if it was invalid and when was I going to be notified. I have never lived there. 

This is causing undue stress as I plan to purchase a home later this year and this amount of inquiries would flag as a person having financial trouble. The incorrect address is concerning because its risking my personal information or mail being sent to someone elses home
Product: Checking or savings account

{$15000.00} was deposited to Bank of America on XX/XX/XXXX and they ( understandably ) placed a hold on the amount. However, the funds cleared the originating bank on XX/XX/XXXX, and they refuse to release my deposit until XX/XX/XXXX, costing me interest in paying off my credit card bill while scamming interest from the money I deposited. Had I known, I could have XXXX the amount which would have been immediately available.
Product: Debt collection

Recently seen debt on my credit report I don't have XXXX  and have never heard of Jefferson capital syst never signed or agreed to debt or pay them any money
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax responded they a fraudulent account XXXX XXXX  to belong to me. I will state again, I AM A VICTIM OF IDENTITY THEFT
Product: Credit reporting or other personal consumer reports

There are numerous inaccurate and unauthenticated items on my credit report. As a result I am suffering from severe stress and sadness. This is affecting my day to day life and I am struggling to be present with my kids because of this ; it is occupying my mind 24/7. Clearly the agencies are not concerned with the repercussions on their failure to ensure the accuracy of their reporting and now here I am being affected by their errors.
Product: Credit reporting

Equifax Credit XXXX is reporting XXXX dismissed judgements on my credit report. I have disputed XXXX judgements and Equifax is responding to my disputes with the same response, " The judgement has been verified as correct and is being reported correctly. '' The Creditor/Lender agreed that once the judgement had been satisfied ; the satisfied debt would be removed. Equifax will not remove this from my credit report even though these judgements are not showing on my XXXX credit report.
Product: Debt collection

I can't remember dates but everything was paid off I asked them to remove it that was the agreement but it never was removed off my credit causing me heartship
Product: Checking or savings account

I went to Capital One on XXXX XXXX XXXX, XXXX, TX XXXX on XX/XX/2019. I let a teller know that I was interested in opening a business line of credit. I was informed that XXXX XXXX would come assist me. Upon meeting XXXX, he refused to shake my hand. At his desk, he asked what he could help me with. I stated that I wanted information on how to open a business line of credit. He asked me " Do you even have a business? ". I said yes. He asked what paperwork do I have. As I went through my document holder, he snatched a paper out of it and said " Here it is ''. He then goes to his email and reads off to me I am not eligible for a business line of credit because I did not have an account with Capital One for 3 months with $ XXXX in it. He said this was a new policy. No paperwork was given. XXXX then tells me " I just don't want you to waste your time. '' I took his card and then left. 

I immediately went to a Capital One in another part of town and received assistance and opened a business account.
Product: Credit card or prepaid card

I have a credit balance on my credit card due to refunds and Capital One won't send me funds that are owed to me. I requested that my credit balance be sent to me on XX/XX/2020. I was told that a 15 day hold would be required since the amount was over {$10000.00}. I don't understand why, but I can accept that. On XX/XX/XXXX, an adjustment was made to my account and the refund was processed, so I thought, and that is what is reflected on my online account information and per customer service rep. Now ( XX/XX/XXXX ) I'm told they are holding funds because I have a credit charge dispute. They don't know how long they will hold it. I was never contacted that there was an additional hold. The only reason I know this is because I inquired that it was taking too long. The disputed amount is for 2 charges of {$1600.00} total. My refund is for {$15000.00}. If they need to hold funds for the dispute, then only up to the amount of the disputes should be held and a refund of {$14000.00} should be made immediately. The have no reason to hold my money. I also had issues with 2 previous credit refunds. They twice stopped payment for no reason on checks sent. Those have been resolved, but add to the shameful practice of holding on to clients ' funds inappropriately.