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

To whom it may concern, I have never applied for credit until XX/XX/XXXX when I was declined for credit from XXXX XXXX ( Awaiting decline letter ). My godmother helped me request a credit report and most of the information is wrong on XXXX and I can not even access Trans Union or XXXX do to mismatched information. I need help immediately. I am trying to get my permanent id card ; I only have the temporary. While I was XXXX, I no longer resided at the address the permanent card was mailed to it was returned to the DMV. By the time I was able to get it, all DMVs had closed due to Covid-19. The reopened this week. 
Based on my XXXX report ( the only report I could obtain ) I never lived at the following addresses : o XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX o XXXX XXXX XXXX XXXX, Illinois XXXX My year of Birth is XXXX o XXXX shows XXXX I have never applied for credit, which includes the accounts on my XXXX report, there should be no accounts or hard inquiries o XXXX XXXX o XXXX o XXXX o XXXX XXXX o XXXX o My only hard inquiry is XXXX XXXX ( XX/XX/XXXX ) There are soft inquiries for XXXX XXXX ( XXXX inquiries ) and XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX that are not mine. My only soft inquiries should be : o XXXX XXXX ( XX/XX/XXXX ) o XXXX XXXXXXXX ( XX/XX/XXXX ) o XXXX XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

File fraudulent claim with XXXX and the police division # XXXX. This is not my account. 

XXXX XXXX XXXX XXXX XXXX {$7700.00}
Product: Debt collection

Under the Fair Credit Reporting Act I.C. SYSTEM, INC is inaccurately reporting a inaccurate debt to my XXXX credit file. 
Account # XXXX is an inaccurate account. 
The account does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX Reported XX/XX/XXXX XXXX did not do this pulls with these company and I've tried to communicate this with them. XXXX said to do this and I want to add the other XXXX as well. If my account was open in XXXX, why did they do another pull in XXXX
Product: Mortgage

I have been on a mortgage forbearance program with Santander Bank during covid. In XX/XX/2022 I submitted all my paper work for a mortgage modification. I received a letter in the mail acknowledging my modification submission from Santander Bank. Now I've been waiting for my modification package in the mail so I could sign, submit and resume my mortgage payments, but they've yet to send me my modification package. I've called them several times and all I get is, their working on it. No one seems to know what's going on and I'm very worried.
Product: Credit reporting or other personal consumer reports

A certified dispute was mailed to Synchrony Bank on XX/XX/year> requesting verification of an account reporting a {$2000.00} past-due balance, despite being marked as closed due to inactivity. As of 4/9/2025, no documentation or response has been received.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report only accurate and verifiable information. Failure to verify or respond within a reasonable period constitutes non-compliance with FCRA 611 and supports immediate deletion.

Since Synchrony Bank has failed to verify the account or justify continued reporting after receiving proper notice, this item should be removed entirely as it can not be verified as accurate under federal law.
Product: Checking or savings account

I opened a checking account with Capital One. I followed all instructions to open the account. I used the mobile app to deposit a check. The check was under the daily deposit maximum. Capital One took about a week to clear the check. They took the funds from the issuer 's account and put it in my account. Now, they will not release the funds to me, because they say that can't " verify '' it. I have complied with all things that XXXX has asked of me, but they are not taking any reasonable measures to resolve this issue. They said that they needed to have the name and contact information of the person that issued the check, and I provided that. Also, the information is on the check that was presented. And, they were able to look up the webpage of the issuer and see office hours. They said they would call and verify the check. They have, so far, not done that. I have spent more than 8 hours on the customer service with them. I was told that for example, they tried to call and the phone disconnected, so they weren't able to speak with the issuer. They told me that if they are unable to reach the issuer, they don't try again. They simply wait for me to call and for me to ask again. However, the issuer has reported to me that he has not had a received or missed call from Capital One. I can't resolve this issue by myself. Capital One has to participate in resolving this issue. Capital One doesn't get to just keep my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted all required documents that indicating it was mistake regarding my late credit card payment Experian report that caused my XXXX XXXX dropped more than XXXX points. The Experian refused to bring my score back to previous level after removal of that record. 

I have contacted the Experian multiple times and filed complaints with different departments of financial services for this matter. Experian intentionally delay processing my request and refused to make change. 

Today I have received the refund check from the XXXX XXXX  indicating their error in my late payment issue and I have attached it for your reference, thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 and XX/XX/18 I went to XXXX XXXX XXXX XXXX owned by Tenet Healthcare. Without my consent they ran my XXXX XXXX credit report even though I gave them my insurance card and drivers license. I gave them no written authorization to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email fro XXXX XXXX stating to visit the store before my loan can be approved. I was at work at this time and had no knowledge of it. I called at XXXXXXXX XXXX on XX/XX/XXXX and XXXX XXXX who then advised me to call law enforcement to report it as fraud. I called XXXX XXXX again and XXXX XXXX who advise me to send her my police report via the email she sent attached with all requirements on XX/XX/XXXX. I received my police report XXXX because it was a corrected one from XX/XX/XXXX that wasn't filled out correctly. On XXXX I called XXXX XXXX and XXXX XXXX and she stated she will send me a relief letter in the mail in 7-10 business days but allow 60 days to be removed from my credit report. I waited until XXXX and called Equifax and XXXX XXXX. She advised me that she see the request to remove the inquiry and to allow 30 days and game me XXXX as a confirmation number. I checked my report on XX/XX/XXXX and the inquiry is still there. I called equifax at XXXX and XXXX XXXX which told me she see the notes for the inquiry to be deleted but it still show on my credit. Now she tells me she don't see the info that XXXX XXXX sent to them for it to be deleted. I asked for a supervisor and XXXX XXXXXXXX. He advised me that XXXXXXXX XXXX reported again in XXXX and readded admission of inquiry therefore its still on my credit. I have all of the paperwork even the letter from XXXX XXXX. I just want this removed from my credit file. I can prove I was at work and no computer access to even file online.
Product: Debt collection

A loan hit my credit is how I found out in a different state Some has used my identity for 2 student loans!! It also stated that the person went to school to get the loans! I asked the company how did someone get XXXX witout attending school they couldn't explain to me! I'm from Michigan. The person who stole my identity I believe it's a school in New York! I report it on my credit! They closed it then the school said it was my accounts! I never lived out of town my entire life and has been a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied or received a KOHLS/CAPONE card.
Product: Debt collection

I have contacted this company and disputed these charges prior to doing this. I have set up a payment plan wit the Original Debtor XXXX XXXX to pay payments on all debts in their system in exchange for these being taken off of my credit, its close to {$5000.00} plus dollars. I have been making complete payments and also on time. And there were three debt collectors, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX. The other two besides XXXX XXXX XXXX have removed their 's but this company refused to. I have no contract with them as well as no debt with them, and furthermore .... before I disputed the charges on my report I NEVER RECIEVED ANY SORT OF NOTIFICATION on this debt, which I received on X/X/18. So not having my information is no excuse to not follow guidelines here. I had no clue my insurance did n't pay these items UNTIL IT HIT MY CREDIT!!!!!!!!! This is a shady tactic used because I applied for a loan. Im very disappointed because all I had to do was make a phone call to them and my insurance to handle it. Please remove this as the client and the consumer requests before any further monetary damage is made to my credit. Thank you.
Product: Credit card or prepaid card

1. On XX/XX/XXXX, XXXX made hotel reservations at XXXX XXXX XXXX OK for {$160.00} for late XXXX via Capital One travel center. 
2. In XX/XX/XXXX Governor XXXX of Oklahoma closed sectors of businesses including the XXXX XXXX in XXXX according to the manager on duty in the included recorded call. Due to Covid19. 
3. No one contacted XXXX XXXX to tell him the reservation had been changed. 
4. XXXX XXXX fortunately called to confirm the reservation was cancelled prior to the date of check in. Attached is proof of the call. 
5. The hotel confirmed the reservation was cancelled due to force majeure. The features of the hotel including the pool and restaurant, that were advertised, had been closed weeks prior. 
6. The cancellation number is XXXX 7. XXXX then waited to see if the refund was applied to his capital one account. It was not. 
8. Despite the hotel NOT charging XXXX, Capital One kept a charge of {$160.00} on his card 9. XXXX placed an outbound call to capital one for 25 minutes on XX/XX/XXXX. Proof attached. 
10. Capital One told XXXX in the call they would refund the amount within 48 hours. 
11. They did not. 
12. Five days later, XX/XX/XXXX, with no refund, XXXX placed a 1 hour and 53 minutes call. 1 hour and 50 minutes on hold to Capital One. Proof attached. 
13. They told him they had marked the charge as disputed and credited his card back for {$160.00} while it was disputed. 
14. Now today XX/XX/XXXX, Capital One has reversed the charge, adding back the {$160.00}. Without proof. 
15. Again, XXXX did not stay at the hotel, had no control over the reservation, and has a cancellation confirmation, and proof the hotel willingly gave him the refund and did not dispute the cancellation. 
16. In a 33-minute call to Capital One, XXXX was informed of the reversal and that he must once again dispute the charge or it will be considered final. 
17. Capital One and travel partners are committing fraud. The hotel confirmed they were closed on the date of the reservation. They confirmed no amount was charged as I did not stay. Capital One told XXXX they would refund the charge. Capital One refuses to return my money. 
18. Capital One inadequately handled the situation causing XXXX to call in multiple times over the course of nearly 3 hours.

19. Capital One has inadequate staffing to handled calls in a reasonable amount of time.
Product: Mortgage

I have a mortgage with Ocwen. There is to be an ACH draft at the beginning of the month, generally around the XXXX through the XXXX, as I get paid on the XXXX. This month, no ACH draft. I telephoned and reached XXXX or XXXX through outsourcing and was told that XXXX mortgages were affected, in that an ACH draft can not occur. This is the XXXX time this has happened with Ocwen, the first time in a similar complaint I filed in XXXX of 2014. I am told I may have to pay over the phone every month.
Product: Debt collection

JPL Recovery Solutions keeps calling me at all times of the day as well as contacting people I work with asking about me. I can not get them to stop even after asking them to not contact me anymore.
Product: Checking or savings account

XX/XX/2023. Chase XXXX Branch. In the morning I wanted to create a new checking account for College. I went to created an account with the Banker ( XXXX ). As we were creating the account she asked me how much money we wanted to deposit, and we said XXXX . So we finished making our account, and the manager ( XXXX ) there offered to help us since we were both XXXX, and my parents had trouble speaking English. As we put our money in, she recommended to split into 2 account at the ATM, and yet {$300.00} spit back out. Confused we put in back in, and it was done. After we realized the amount was not enough, and so we contacted the manager of the branch. She also claims there was more money than XXXX , and told us she will create a claim. She created a claim for XXXX $ which included the checks, but it got denied. She told us that the issue was they included the checks so she submitted another claim for {$1000.00}, which also failed. So Im complaining about the missing money that was supposed to be in my savings account.
Product: Student loan

I had a salliemae loan that was transferred to Navient. I went to XXXX XXXX XXXX @ XXXX XXXX IL they changed the name of the school and the name of the lender so they can write more loans. I was a student in XX/XX/XXXX. They kicked me out of the program for random drug screening with XXXX  in my XXXX they changed my graduation plans and I fell mentally ill. I fell back on repayment and brought it current with {$900.00} payment and they offered me forbearance to keep it from falling behind again. When six months passed the loan came back {$3000.00} higher than before I paid {$900.00} they told me there is no charge for forbearance but there was and automatically knew this loan would not be affordable. I should have did my paperwork differently because I was actually unemployed when signing up but I wanted to seem professional but my uncle didnt hire me when I left XXXX XXXX calling me overqualified. So the whole application was based on a lie. I was XXXX when I signed it at XXXX and they wrecked my credit and they kicked me out. I didnt smoke at school and I didnt have money to eat yet they kicked me out and made me Retake XXXX XXXX even though I was on my last day and they charged me twice for that course too {$2000.00}. I passed the first time but gave me a 0 with 100 % attendance which dropped my gpa and wouldnt allow me to go to a XXXX school for paid internship which is why I signed up to begin with. She told me if I finish I could get {$18.00} per hour to go to that XXXX   after school. Just all lies fed to an XXXX year old. They make commissions and discredit our involvement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I open an account with XXXX XXXX on XX/XX/XXXX I paid for account in XXXX and account showing charge off which is a tax write off otherwise known as income also reach the statue of limitations. Which mean that it should not be on my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted XXXX different disputes with Experian to remove something off my credit report. On the second dispute I submitted information from the company that had the account that they proved it was fraud and the account should be taken off my credit report. I have also contacted the company numerous times and they said they have submitted that it has been sent to have it removed off my credit report and that Experian has never contacted them throughout this process. 

Experian is not investigating like they should, and is refusing to remove this off of my credit report. Then they are also asking me for more documentation, like a copy of my Drivers license, divorce documentation, SSN card, and police reports. When everything I have already submitted before, and majority of that they don't need. 

This is highly questionable and concerning even when I have submitted documentation that they need for proof to get it removed off my credit report.
Product: Credit reporting or other personal consumer reports

Dispute June 30 Day Late. Payment was made over the phone with an agent on the line. XXXX Internet Payment Confirmation, XXXX Paid Confirmation Number XXXX Amount {$1400.00} Set to Draw XXXX to Pay XXXX XXXX Never Processed Payment. 

XXXX reported this payment payment 30 days late on my credit report. I was never notified. They will claim it was removed because of history on the account. However, I was able to login set up payment again on XXXX with no issue. This time XXXX did not remove my internet payment. Payments have not been removed since. 

All I ask is XXXX remove the XXXX late remark against my personal credit reporting since they are the ones responsible for this error.
Product: Debt collection

It's a credit card that doesn't belong to me, someone has opened multiple accounts in my name, using my social security number, I can't say when this took place, I have trying to tell the company it's not me, so now they are sueing me, the company XXXX XXXX XXXX {$930.00} XXXX learned about this account when I got a full credit report to look at my credit, I went to the police office, and they took a report, it's been some fraud someone is using my information
Product: Debt collection

XX/XX/XXXX XXXX XXXX CST, SPOKE WIT XXXX  WIT XXXX XXXX XXXX WAS ADVISED 2 ACCOUNTS IN COLLECTIONS : XX/XX/XXXX {$83.00} WAS ADVISED XXXX   WAS GIVEN AND XXXX  FOR XXXX, ( HIPPA VIOLATION AS I AM NOR HAVE EVER BEEN PATIENT ) XX/XX/XXXX {$1600.00} WAS ADVISED XXXX WAS GIVEN AS WELL AS XXXX XXXX/ XXXX  / ( HIPPA VIOLATION AS NEVER A PATIENT ) I DID INFORM XXXX FROM BEGINNING OF CALL THAT THIS IS RESULT OF IDENTITY THEFT AND SHE CONTINUED TO GO OVER THE COMPLETE NATURE OF THE HOSPITAL VISITS AS WELL AS COSTS.
Product: Vehicle loan or lease

On XX/XX/year>, Carmax Auto Finance informed me my car title was sent to my mailing address on file after I paid off my loan reference account number XXXX. The car title was mailed just as regular mail. After confirming the address was correct, I never received the title after over a month of waiting. 

On XX/XX/year> at both XXXX and XXXX hours, I called Carmax Auto Finance to rectify this issue. Both customer service representatives advised I would need a XXXX release letter from Carmax Auto Finance in order to apply for a duplicate title through the Secretary of XXXX 's Office ( SOS ). Both times, the customer service representatives refused to rush my lien release letter needed in order to apply for a duplicate title. Both representatives also refused to mail the letter certified or with a tracking identification number. After explaining that mail in the XXXX area where I live had been frequently stolen, and someone may use my title for fraud, the company still refused to track the letter, and indicated they would fax the letter, but it would take XXXX to XXXX business days. I also explained the process for obtaining a duplicate title in my state would cost me {$50.00} and asked to be reimbursed. Both representatives refused to allow me to speak with a supervisor and stated the {$50.00} would never be reimbursed. 

On XX/XX/year> at XXXX hours, I called once again to check the status of my XXXX release letter. I explained in detail how criminals are able to use the title to commit fraud, and it happens frequently in the area in which I live. Due to my credentials as a certified XXXX XXXX XXXX, this makes me an expert in this area of this specific crime. The representative then requested a rush on the letter, however, stated the supervisor would ultimately need to approve it. Again, my request for my {$50.00} reimbursement a duplicate title would cost me was denied, and my request to speak with a supervisor was denied. 

On XX/XX/year> at XXXX hours, I called to check if the rush on my lien release letter had been granted. I was advised it was, however, I still had not received a fax. 

On XX/XX/year> at XXXX hours, I called to check the status of the XXXX XXXX letter and was told to expect a fax within the hour, and I was given a XXXX tracking ID number for the letter. 

Carmax Auto Finance 's irresponsible mailing procedure placed my personal information and vehicle information at risk, and their deliberate denial of my first requests further increased that risk as time was of the essence. In XXXX once one applies for a duplicate title, it nullifies the original title. Therefore, even though the title may have been stolen, the sooner XXXX is able to apply for a duplicate, the less risk is placed on using the original title for fraud. Carmax Auto Finance is placing customers at risk daily by mailing legal documents in an irresponsible manner : no tracking number, no certified mail, etc.
Product: Credit card

XXXX XXXX XXXX sent Barclay 's bank of Delaware a check for {$700.00} on XX/XX/XXXX they cashed it on. XX/XX/XXXX I have reached out to barclay credit card XXXX time so far and have only as of XX/XX/XXXX provided me a case number which is XXXX I spoke with agent XXXX she said it take up to XXXX billing cycles before a get a reply in the meantime they want me to continue making payments I told her that i'am not obligated to make any more payments on this account since you barclay bank cashed the check on XXXX and failed to post it to my account and I have proof of the check being cashed but barclay fails XXXX answer my concern and still has not resolved this issue XXXX XXXX used the account number that they have listed with the credit bureau and has put my name in the memo section of the check
Product: Checking or savings account

On XX/XX/XXXX, I contacted chime regarding a payment I didnt receive via XXXX XXXX. after speaking with the representative, Im being on hold for an extended amount of time. The gentleman told me that he can not give me any information and I got disconnected. Then Made a payment with my card and didnt think anything of it but that I would get back to him later on when I had a chance. On XX/XX/XXXX, I go to the bank to pay my car purchase food and gas and I wasnt able to use my card so then I went to the ATM and and the ATM did not allow me to access my account. I contacted Chime again and spoke to a rep representative XXXX ticket XXXX and she informed me that my account is locked, but I didnt meet Chime guidelines and that she can not give me any information but the only thing she could tell me is that refunds can not be provided to me. I asked her which guidelines is she referring to that Im more than happy to go ahead and answer any questions regarding my transactions and that I have money and all my accounts and I have money in my account all the time and that I even got approved for loans and spot me money and my pay and all these benefitsbecause Im always standing with these accounts, she advised me that she couldnt give me any information and then requested to speak with the XXXX after being on hold for an hour and XXXX minutes she put me on the phone with XXXX XXXX id XXXX Again he read me the same thing that she was reading to me off of screen and told me that he does not have access to my account and can not give me any information and then no matter how many times I call the same thing that hes telling me is the same thing that will be provided to me and theres nothing that I can do. He then told me to get a flight from XXXX  to XXXX  to go to the headquarters to resolve the issues if I wanted to because they are overseas and when calling the number listed, they are overseas and they do not have access to any accounts.