23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have tried to call Equifax to have them remove a fraudulent inquiry and they will not remove it they are not doing their job as far as the fair credit reporting act XXXX XXXX XXXX XXXXXX/XX/year> Above is the fraudulent inquiry that is on my credit report and I want it removed immediately
Product: Money transfer, virtual currency, or money service

I made a wire transfer from Simmons Bank to XXXX XXXX XXXX  and discovered I was scammed and tried to stop it the same day. Simmons did nothing and closed all of my accounts. XXXX XXXX XXXX would not answer the phone to help by myself or Simmons Bank. I lost XXXX.
Product: Student loan

I sent a request to review and cancel the 2 current loans that were opened in my name without my knowledge of. Additionally to that complaint, I was led by dishonestly from the XXXX XXXX XXXX XXXX that they promised all students they will receive a career after graduating and will help students pay off their loans. I submitted this request/complaint to the U.S. Department of Education 's office of Federal Student Aid regarding Case # XXXX on XX/XX/2023. This issue has not been solved. Today, I am submitting another complaint in hopes that my case will be taken into consideration for loan forgiveness.
Product: Debt collection

They keep telling me that my payment is late, how is the only option that I have to pay my balance is to put my bank information in there. This is not okay and leave my bank information out to the public leaving it unsecure.
Product: Mortgage

On XX/XX/XXXX I emailed a representative ( XXXX XXXX ) at Rocket Mortgage about re applying for a mortgage loan. XXXX and I spoke that same day via phone arounXXXX XXXX XXXX PST and we agreed that in order to get my application re started I needed to send over my XXXX W2 form, Copy of my XXXX Tax return, recent paystub, and finally bank statement of where the down payment would be coming from. By XXXX XXXX same day I had sent over everything except my bank statement. On XX/XX/XXXX at XXXXXXXX XXXX  I received a call from a manager at Rocket Mortgage named XXXX. XXXX proceeded to tell me that the underwriter had denied my application and that Rocket Mortgage would not be reviewing any future applications either. I asked XXXX what the reasoning behind this harsh and extreme decision and all he could advise me was that it was due to inconsistencies in my application. I asked for specific details, but XXXX said he wasnt able to provide further information/details for me. I asked XXXX it was normal for Rocket Mortgage to essentially blacklist someone without any explanation? XXXX was not able to answer all he kept saying was this the Underwriter stated there were inconsistencies and it was their decision. 

It's not clear to me how in under 24 hours an underwriter was able to determine my application " inconsistent '' ( application was not yet finished I still had more documents to submit ) and flag it so that I may NEVER apply with them in the future. And without any explanation I can only assume its discrimination due to being an unmarried XXXX female. It is unheard of an underwriter providing an answer on a loan application that quickly and without all the needed documents/information so I can not fathom what the " inconsistencies '' in my application could be
Product: Consumer Loan

I had been approved for the Xchange Leasing company 's Access program through Uber for a reassigned vehicle lease. The terms were to place a {$250.00} Security deposit, and have active insurance and the car is yours for a weekly lease fee based upon the year make and model to be extracted automatically from your Uber earnings. As someone with damaged credit, and having a small income, the program was a great idea for me to quickly begin to generate a substantial amount of income given the immense demand for uber drivers in XXXX county. I also had previously been commuting via public transport to and from an existing job. So I leased the car to both save money on transport and make more money with the car itself as an XXXX. I paid all the deposits on insurance on last Monday, picked the car up on Wednesday of the same week, and now today is the following Monday. My car is gone. I woke up, walked outside to leave for work at XXXX, and my car is nowhere to be found. I stood there with my keys, started to call the cops and report it stolen when my neighbor tells me it was towed. So I called around to all the tow yards in the city and no one has it. I called the cops back and reported it stolen only to be met with that it could not be reported stolen as it was marked as repossessed. I was then given the number to the repossession agency, who informed me I 'd have to call back at XXXX to find out who ordered the repossession. So as time ticks by I got on call with Xchange Leasing to see if there were any answers to be found and After a 40 minute hold I was told my first payment is n't even due for another two weeks, and that everything was fine but to call back in a few hours and see if someone made a mistake. So XXXX rolls around and I call back the repossession company, to find out that Xchange Leasing had ordered the repossession! So I got right back on the phone and waited another 40 minutes to be told I was wrongfully repossessed, and that I would get a call back so they could try and arrange for me to get my car back which is currently 2 hours away from where I live, with no vehicle. I still have not received a call back, it 's now almost XXXX. I 've missed my day of work, and the time I could have been XXXX for Uber this evening. I could n't even take transport because of the security deposits and not having disposable income. To top it off I suffer from an XXXX and my XXXX is still racing just from those two hours of not knowing what just happened to my new car, source of income, and thinking it was stolen!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXXXXXX, XXXX. ACCOUNT XXXX XXXXXXXX {$24000.00} XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX {$24000.00} XXXX  ACCOUNT XXXX XXXXXXXX {$0.00} Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX According to my recent credit report request from Transunion, XXXX XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA Date Opened : DATE XX/XX/2014 I don't have contractual relationship with this company. I don't recognize this Public Record. Please provide me the name and address of the original creditor.. Reference Number XXXX Please correct and update it from my credit report. It is completely a violation in accordance with the FCRA that sates : the ACCOUNT MUST BE COMPLETE, ACCURATE AND VERIFIABLE. Please remove it from my credit In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). Please Follow the Law Of The State of Mississippi
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been taking my money for a year and I never agreed to this account. This company owes me {$400.00} and they refund it.
Product: Credit reporting or other personal consumer reports

This inquiry was added without my consent, and I believe they are fraudulent and unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has non-verifiable account reporting to my credit report. The accounts have NO Creditor, please delete ASAP. Here are the account number and amounts : # XXXX {$65.00} # XXXX {$93.00} # XXXX {$97.00} Also, I requested Method of Verification and Validation of Debt for this these accounts and have not seen any response : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit card

To whom this may concerned : I am writing to file a formal complaint regarding an issue I encountered with a promotional 0 % balance transfer offer from SoFi Credit Card. I was misled by inconsistent information and was unable to complete the balance transfer despite multiple attempts. I believe this situation is misleading and/or deceptive and I am seeking your assistance in resolving the matter. 

To summarize the situation : Opening the Account and Balance Transfer Attempt : On [ insert date ], I opened a SoFi Credit Card and immediately attempted to complete the balance transfer to take advantage of the 0 % promotion. I attempted the balance transfer using a variety of my own personal credit cards ( at least XXXX in total ), including a mix of XXXX and XXXX cards from different major banks. 

Each time I attempted the transfer, I received an error message saying, No account found. Despite using valid, active accounts in my name, the system failed to process the transfer. 

Over the course of several weeks, I reached out to SoFis customer service team via chat and phone multiple times. Each time, I was informed that none of my credit cards were compatible with the balance transfer program, with no clear explanation provided. I was told that my transfer attempts could not be processed due to an issue with the cards I was attempting to use. 

Misleading Information Regarding Promo Expiry : Additionally, I was repeatedly told by SoFi representatives that I had until XX/XX/XXXX to complete the balance transfer for the promotional 0 % interest offer. However, on XX/XX/XXXX, when I logged into my account, I discovered that I no longer qualified for the promotion, which contradicts the information I had been given. This has caused confusion and distress, as I was actively trying to take advantage of the promotion within the time frame. 

I believe that SoFi has acted in a misleading and deceptive manner by failing to disclose the technical limitations of the balance transfer system, providing inconsistent information about the promotion, and not honoring the timeline they communicated. This has resulted in my being unfairly denied access to the advertised offer. 

I am requesting the following : An investigation into the failure of the balance transfer system and why I was unable to complete the transfer despite repeated attempts. 
A review of SoFis communication and handling of my case to determine whether I was provided with clear, accurate, and truthful information about the promotion and its requirements. 
A resolution that either reinstates the 0 % balance transfer offer or provides a fair alternative. 
I believe that SoFi has not only failed to honor the terms of their promotional offer, but they have also engaged in misleading and deceptive practices, which I am hoping you can help address. 

Thank you for your attention to this issue. Please let me know if you require any further information or documentation from me. 

Sincerely, latrecia
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about EXPERIAN BUSINESS CREDIT Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX The above company placed an inquiry on my Experian Credit file without my consent. 

Please see below. I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below.

ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 of the 3 Credit Bureaus, including Equifax and XXXX, restrict passwords for personal access to your account to only 9 Numeric-only characters. 

In this age of data breaches, it is completely unsafe to use a short numeric only password.
Product: Debt collection

I was recently told I owed a debt for about XXXX XXXX that has followed me since 2016, I recently resolved it and would like documentation showing that it has been resolved.
Product: Credit reporting or other personal consumer reports

Experian is reporting inaccurate information on my credit file, I called to try and clear it up and the agent got really rude with me and wouldnt transfer me to her supervisor. I have unauthorized inquiries and late payments that should'nt be on my credit file. 

The phone call with the rude employee happened XX/XX/2024 AROUND XXXX XXXX She said her name was XXXX and the number I called that got me to her was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seterus shows from the recent post on my XXXX  credit report that the account is scheduled for deletion XX/XX/XXXX. However, XXXX   needs to do a reinvestigation requesting from Seterus the true late payment history that in my review dates all the way back into XX/XX/XXXX. Seterus cut off several years of payment history to re-age the credit tradeline. This account should be deleted immediately and permanently, not XX/XX/XXXX.
Product: Debt collection

I checked my credit report and notice alleged debt from NATIONAL CREDIT SYSTEM. I do not know who this creditor is. Ive never done business with this alleged creditor or signed any contract with this alleged creditor. I dispute the validity of this alleged debt.
Product: Credit reporting or other personal consumer reports

I am in chexsystems for my bank account that was compromised due to my information being stolen and now I owe a debt because of it I would like to be removed from Chexsystems so that I can open up bank accounts like everyone else thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX as well as several other companies have reported inquiries on my credit report which are fraudulent. these inquiries are impacting my credit.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and the following accounts and inquiries on my credit report were not authorized by me : Fraudulent Accounts : XXXX. XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX XXXX XXXX - Account # : XXXX - Opened : XX/XX/XXXX - Balance : {$5300.00} Fraudulent Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Debt or credit management

An agreement was made between ClearOne Advantage and XXXX XXXX regarding a settlement that I agreed to. XXXX XXXX received XXXX payment, and I received a call today XX/XX/year>, inquiring where the payment is. Here is the conversation I had with XXXX : I received a call from XXXX XXXX saying they never received the payment for this month. Can you let me know where the payment was sent? 
Here is the agreement between your creditor and our negotiation team, so please ignore your creditor. They are trying to do that to try to get your payments back up. 
Authorizat ... XXXX What address did you send the check to? They are not asking for more money, they just want to know where you sent the check to. I'm curious as well. 
Please bear with me for a moment while I review your account. Your understanding is greatly appreciated. 
I do apologize, XXXX. As much as we would love to further assist you in that matter, we can not locate it here on our end. There is nothing for you to worry about. I will send an email message to our negotiator team to further assist you in this matter. 
Give me someone who can deal with this issue. The agreement with the creditor was payment a monthly payment that was agreed by me and your organization to avoid further legal legal action with XXXX XXXX. Get me someone who can find me this information Please bear with me XXXX moment while I look into that for you. 
Thank you so much for your patience, XXXX. 
To obtain the address of XXXX, kindly refer to the account statement as it contains the necessary information. 
Hello XXXX, are you still with me? 
Did you find me someone that can assist me in this matter? 
To facilitate your inquiry, please contact the following telephone number : XXXX. 

I called the number and it wants a text message sent and a reason for the call. 

The second part, was when I signed up with ClearOne Advantage, I was told I would receive savings on my debts. When the XXXX XXXX was settled, I am paying more than what the original balance is due to the fees associated with the settlement fees. How is that even possible? 

Finally, when I signed up for the program, I was informed that ClearOne would be reaching out to my creditors for a settlement. After the settlement with XXXX XXXX, they are taking all the funds from the bank account and not leaving monies in the account to make offers to the other creditors. The bi-weekly payments I agreed to were supposed to be sufficient to offer settlements to the creditors. Recently I was approached with a settlement offer but I was required to give more funs to ClearOne to make that settlement work.
Product: Credit reporting or other personal consumer reports

My account with ( DEPTEDXXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 ( MONTHS REPORTING LATE ) 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. 


( DEPTEDXXXX ) 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number : XXXX XXXX, XXXX, XXXX Violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ). Delete these accounts or remove the late payments to protect your company from lawsuits.

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my XXXX, XXXX XXXX XXXX consumer report, and I noticed you NATIONAL FINANCE CO 230 are reporting my transactions and experiences specifically late payments that you have posted on my consumer report from multiple accounts : Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) a report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) NATIONAL FINANCE CO 230 Making the report is NOT INCLUDED on my Consumer report! 


Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included in the consumer reports!

YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.

You have 10 calendar days to update my Transaction/Payment history and DELETE all late payments from the accounts listed in this letter and all accounts listed on my credit reports from your company.