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

I applied for a home loan with XXXX XXXX for a home loan and was denied based on information received from XXXX, Experian and XXXXThey have be reported a deceased person and a unknown male purposefully for years.The deceased person was using my name as XXXX XXXX XXXX in Virginia.They mixed my file with this person and affect my length of credit showing I had none and the deceased person had it XXXX have tried to have this matter settled.They are causing me a hardship continually showing inaccurate information.I want my report correct now I have retain a civil attorney I am coming for punitive and compensatory damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, WHICH MEANS THE INFORMATION ON MY CREDIT REPORT DOES NOT BELONG TO ME. I HAVE REACHED OUT TO TRANS UNION NUMEROUS TIMES TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. THE XXXX  ACCOUNT IS FRAUDULENT AND NOT MINE.
Product: Money transfer, virtual currency, or money service

I am filling a complaint Against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices, witch violate the consumer financial protection act ( CFPA ) specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had 4 accounts from Capital One secured cards trying to be opened on my account. I lost my social around 3 years and I think this might have something to do with it. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These remarks arent letting me get a credit card and Im expecting in less than 6months. Help please!!!
Product: Credit reporting or other personal consumer reports

I reached out to XXXX to dispute this account as I did not authorize it on my report. My identity was stolen due to the XXXX data breach. There are multiple addresses and dates that I do not recognize. I asked XXXX to provide proof of this account, but nothing was done to rectify this issue. Please see the accounts below : XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX  XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX Account # : ... XXXX Date Opened : XX/XX/XXXX Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX XXXX XXXX ) Disputed On : XX/XX/XXXX through XXXX XXXX : Same as above. 
XXXX XXXX XXXX ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX ) Disputed On : XX/XX/XXXX through XXXX Details : Same as above. 
XXXX XXXX XXXX ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX  XXXX XXXX XXXX ) Disputed On : XX/XX/XXXX through XXXX XXXX : Same as above. 
XXXX XXXX ( Collection Account ) Account # : ... XXXX Date Opened : N/A ( Original Creditor : XXXX XXXX ) Disputed On : XX/XX/XXXX through XXXX XXXX : Same as above.
Product: Debt collection

I asked repeatedly for them to not call me at work gave them my cell and they still kept calling putting my job in jeopardy
Product: Credit reporting or other personal consumer reports

Security finances says I owe them XXXX but the loan is not credited to my account and Someone else opened that up in my name
Product: Credit card or prepaid card

During the initial COVID-19 shutdown I asked for deferred payments which was granted but interest charges continued to accrue. I dont have dates for the initial call, however the company continued to charge interest and moreover did not accept certain payments as eligible due to the date received because they were between the prior and next billing cycles. Can provide bills and correspondence for this situation. 

Monday XX/XX/2021 : Received email threatening fees that were not previously agreed to and reporting to credit bureaus. Current balance on the card in question was XXXX. 

Tuesday XX/XX/2021 : Called customer service line XXXX Customer service escalated situation to the same employee and attempted to change names. Customer service asked for personal information while also admitting they were working for a third party. Customer service refuses to provide a copy of contract between me and company. Claims that phone call was being monitored but could not be provided to consumer under any circumstances. Company refused to allow consumer to also record phone calls. Customer service said they were in XXXX. 

The credit card itself appears to be legitimate but the company is predatory and refuses to offer the customer any information other than claiming that there is an agreement of which they will not provide any evidence. It is impossible to speak to anybody in the company other than third party customer service representatives. These representatives blatantly lie, are hostile towards consumers, and will redirect any inquiries to dead ends.
Product: Debt collection

On XXXX XXXX, 2017 XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX took over a mortgage loan or line of credit I owe to XXXX XXXX XXXX in which I was making monthly payments of {$500.00} towards the loan and 100 % of that payment was being applied to the principal debt which was {$120000.00} with no penalties or interest added. Now XXXX XXXX XXXX XXXX XXXX, is asking to pay them {$230000.00} and they are claiming interest, late charges finance charges. I believe that the amount they are claiming is not accurate every time I try to reach them they do n't want to give me the opportunity to work with all they want to do is to do a foreclosure on the property so they can get their money in full. I 'm willing to work with them in regards to this matter. I truly believe that they are overcharging and the amount owe is only {$120000.00} which is what they pay XXXX XXXX XXXX. I hope I can get some because I 'm very desperate and afraid I will loose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a Jared Jewelry Store at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against MOHELA for their failure to accurately report the repayment status of my student loans during periods of deferment, resulting in false information on my credit reports. 
From XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, and XX/XX/XXXX to XX/XX/XXXX, I was enrolled as a full-time or more than half-time student, as evidenced by my attached school transcript. During these periods, my loans were in deferment, yet MOHELA inaccurately reported " No Data Available '' for these months on my credit reports instead of the correct status of " Paid as Agreed. '' This misreporting is damaging and misleading, as deferment due to enrollment should be reflected as being in good standing. 
Furthermore, in XX/XX/XXXX, I entered into a written agreement under MOHELAs ( formerly XXXX 's ) Rate Reduction Program to pay {$700.00} monthly. I have honored this agreement without fail, but MOHELA falsely reported my account as 150 days late in XX/XX/XXXX and left " No Data Available '' for XXXX, XXXX, and XX/XX/XXXX. These inaccuracies are contradicted by MOHELA 's own correspondence, which confirms my payments were made on time.
Product: Payday loan, title loan, or personal loan

This is in response to the contract that Realtime resolution posted indicating the account was a revolving line of credit and that they coded it that way on the report. I have attached the contract they sent that actually show it was NOT A REVOLVING LINE OF CREDIT! 
Even had the person responding been accurate then the Advancement was already been completed therefore converting it into an installment loan and not a revolving line. It's not something you can pay and borrower again on either way. The contract actually states a non-revolving line of credit. I have highlighted the agreement terms.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name : XXXX XXXX XXXX 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. 
15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting

I filed a paper request for my credit report and have been waiting more than 3 weeks. I have not received a response of any kind. Last year, I attempted to request my credit report the same way, and also did not recieve any reply.
Product: Credit card or prepaid card

I have this issue with CITI back to XXXX, then I submitted a complaints in here in XXXX, they contacted me and sent me two letters in XXXX and XXXX claiming they will solve that for me. I had attached two letters from CITI as evident. It'salready been XXXX now I still have not received my welcome bonus. I swear I will never become a CITI customer again, they have the worst customer service. But I won't give up getting my bonus back. Please see attachment how CITI promised to solve this issue for me and it's been almost 5 months it still not been resolved.
Product: Debt collection

I purchased equipment and services to be paid for over time through the company XXXX. I began payments on XX/XX/XXXX to pay {$2400.00} over 60 months. These payments were managed through Citizens Pay. I have record of every monthly transaction for {$41.00}. On XX/XX/XXXX the remaining balance of {$41.00} was paid in full. In XXXX I called XXXX to cancel my services and was advised that there were two accounts associated with my social security number, however I only have a signed agreement for one account. I have been unable to get clarification on that. 

After my account was paid in full on XX/XX/XXXX, a second account appeared on the Citizens Pay website with a start date of XX/XX/XXXX. This debt also hit my credit report under the name XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have been reporting late payments when all payments were pay as agreed since XX/XX/XXXX.They also repossessed my vehicle when a payment arrangement was made the day before in XX/XX/XXXX, with a balance XXXX. I have paid {$6900.00} to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I sent TU, XXXX, XXXX  a letter disputing the validity of the bankruptcy they are reporting on my credit report. All Bureaus responded saying they verified item through XXXX XXXX. I contacted XXXX XXXX directly to dispute item in question and due to nonverification from them they sent response and deleted in XXXX of XXXX. I then sent copies of deletion along with ID documents to TU, XXXX, XXXX  through numerous disputes and was still met with a response of verified even after proper documentation was provided. XXXX XXXX has also tried to contact the bureaus as well to have them update reports and they said they were not getting any responses from any of them. I even provided all companies with copies of deletion from XXXX XXXX and their attempt to contact as well as informing them that if they could not reveal how, they truly verified the item then its needs to be deleted according to the FCRA It is now XX/XX/XXXX and this inaccurate item has been sitting since the first dispute in XX/XX/XXXX. Once again, they refuse to delete this item. How is this legal and how are the credit bureaus not held accountable for these violations? It has been way past 30 60 and even 90 days for these corrections to be made and at this point I am ready to take legal action as this is affecting credit and stopping me form handling important matters such as home buying. This item needs to be deleted immediately I have zero patience at this point as they have been in plain violation of my rights as a consumer, I am not giving them another 30 days not even another 15 days and I am prepared to take my complaint to my congressman as well, this issue has been well overdue for corrective action. these companies have been using stall tactics since XXXX causing my dispute clock to start over every time they falsely verify errors. This item needs to be gone immediately. 

Attached is all documents sent for dispute as well as copies of credit sheets from where they display where they verified the item in question
Product: Checking or savings account

Good afternoon. I had a BMO account and ive had it over 6 months. My account was restricted on XX/XX/year>. I had been receiving deposits from my job into my account. My dad used my account for his income tax, but that issue didnt come up until today XXXX XXXX. When my account got restricted i was told to send in documents to support a couple of deposits that had been made into the account which was third party and i complied with what they wanted. I had to get with the people and notary together to fill out and sign the documents and i did that. On Thursday XX/XX/year> i was told by someone from BMO fraud dept that they were waiting to verify my documents. I was told it takes 3-5 business days to review so i should call back on Monday. Instead of calling on Monday i called today XX/XX/year> and what i was told today was totally different from what i was continously told every time i called to check on the account. Now today i was told that my account was closed out because they reached out to me on XX/XX/year> to add my dad to my account because an ach had came into my account for him which was his taxes. So they are holding my funds and refusing to send any funds back to senders no matter how they got into the account. From XX/XX/XXXX, to XX/XX/year> i received my paycheck by direct deposit from my tax group and it equals up to {$15000.00}. I contacted the issuing company which is XXXX XXXX and told them that they need to retract the payment and they said that they cant because the payments went into the right account and the account is in closing status. And BMO said that they wont be returning the funds. So how can they hold my money and not send it back to the sender. They shouldnt be allowed to hold something thats not theirs.
Product: Student loan

The school fraudulent advertise that I would be paying lower fees for the school/class. Once started each class was {$6500.00} per class. I dropped the class because of the pricing. Later I was hit with a balance without warning. The loan was sent to a third party vendor NATIONAL CREDIT MGMT which immediately applied for the loan on my credit reports. I paid the loan off timely and was advised that they do not remove credits reporting from accounts. The account was paid n full  immediately. I feel that XXXX XXXX University and National Credit Management was negligent in customers due process and was not in good faith. Ask that being that the account is paid off and the procedures were not ethically correct, that the negative reports be removed from my credit reports.
Product: Credit card or prepaid card

I 've had a Best Buy Citi card for many years ( XXXX at least ). I do not use it very often and when I do I have had paperless billing and Auto-pay set up for years. 

Recently I decided to check my statements online to see why my balance was not going down. It turns out I have been charged a " Debt Protection '' charge on my account all these years! Listed only as " other fees '' until you look more thoroughly at the bill. This fee was almost equal to my minimum payment of $ XXXXmonth. So my balance was not being paid down! 

I called Citi and they transferred me to the " Debt Protection '' department. They claimed my husband and I authorized the add on in XX/XX/XXXX( my husband was not added to account until XXXX, we did n't marry until XXXX! And he has made all the purchases on the card since then! ). I do not remember EVER adding this to the account or ever receiving ANY information on it. I asked for all the charges to be refunded and the women said that they would have to review and see, possibly I 'd have an answer in 30 days. This is ridiculous! I should have that money returned right away! How can credit card companies STILL be getting away with scam charges like this?? 

I 've paid thousands of dollars over the years to them, for something I did n't know I had and never could have used, not knowing ( even though, had I known, I 'm sure I 'd have had some type of event to use it! ) These companies are scamming people out of money and no one is stopping them! This is horrible!!
Product: Checking or savings account

My account showed that I had {$70.00} in my checking account so I transfer the funds out to my other account, then a few days later I get an overdraft fee of {$69.00} for transferring my money BOFA tried to tell me that I didn't have those funds in account. if that's the case it shouldn't have shown that I had money in my account.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit report. I am requesting immediate corrective action to removed or amended disputed accounts, as XXXX inaction violates Federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I was requested money from a stranger who got ahold of my information and CashApp automatically allowed the payment without any authorization from my end. I have contacted CashApp about this multiple times with my claims only to be denied.
Product: Vehicle loan or lease

Santander Consumer USA violated the O.C.G.A. 10-1-36 I contacted Santander Consumer USA on XX/XX/2018 when they took my car from my house. I called to get my belongings from my car which was my money, ID, credit cards, etc. They KNEW that I was in another state because I bought the car in Maryland and my ID shows my Maryland address and they KNEW my current address because that is where they sent the repo truck to get the car, so by sending it to a address in GA that I do not live or never did, they did not make sure that they had done everything reasonable to ensure that I got the letter. Georgia Code Section 10-1-36, The lender must notify you of your rights to " redeem '' the car within 10 days of repossession which " Santander Consumer USA '' failed to do. Never send anything certified mail of date, time and location of sale to my address where the repossession took place. Since I never recieved the required notice of sale, or the notice of defciency balance per GA code 10-1-36, and therefore they have no right to the deficiency balance, no right to report a balance due on my credit report to XXXX, XXXX, XXXX and XXXX. 

10-1-36 .... the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. 


Since they are not legally entitled to any further money, that it is a FCRA violation to report that they are on my credit report by LAW. 

I reserve the right to take further action including filing appropriate complaints with the FCRA for violations of Title X of the Dodd-Frank Act, and related regulations which include a ban on Abusive Acts or Practices. In addition I reserve the right to file civil actions against you for slander of credit. 



The USPS tracking number for the deficiency letter which was undelivered and send back to Santander Consumer USA is # XXXX