23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied to refinance my XXXX  federal loans with Sofi in the second week of XXXX in order to consolidate and get a better interest rate. I am not 100 % sure on which date but it would have been around XX/XX/XXXX. I was approved and they sent me paperwork to electronically sign on my new loan. I noticed that the amount was wrong so I contacted them to fix the problem. First I called them to clarify. I got sent the paperwork and it was still wrong. Then I contacted them via their online chat service. They asked me to provide them with my most recent student loan statements from XXXX. I did. They said they would fix it. I was very explicit that I was refinancing all XXXX  loans except for loan number XXXX. All other loans were to be refinanced including loans XXXX and XXXX. They sent me the paperwork to sign and it was wrong a third time. I then called them via telephone again and was asked to again submit my most recent XXXX statements. I sent them a second time. They sent me the paperwork again and the amount was correct so I signed it. 

On XX/XX/XXXX they sent the funds to XXXX to refinance my student loans. However they made a huge mistake and sent all of the money to one of XXXXXXXX XXXX  departments and no money to the other department that contains loans XXXX and XXXX. Apparently XXXX has two separate departments. I contacted Sofi about the mistake on XX/XX/XXXX and was told to call XXXX and have them move the funds over to the two loans in the other department ( XXXX and XXXX ). When I called XXXX I was told that they could not move funds over to the other two loans because that is a separate department and they are unable to do that on their end. They told me that the money would have to be refunded then sent to the other department by myself or Sofi. I contacted Sofi and was told to have them refund the money to me so that I can pay the other two loans off. After A LOT of back and forth with XXXX  I have only been able to get about {$1800.00} refunded back to me, which I have already used to pay down one of the loans that was supposed to be refinanced. There is another {$4300.00} that XXXX has not refunded to me or Sofi that is supposed to go to payoff the rest of the balances on loans XXXX and XXXX. 

During this time I am being charged interest on these loans by both companies. Sofi issued my monthly payment for me last month and say that they can do this month as well but that is it. I expect them to refund the interest I am being charged on money that I didn't receive, especially after making the huge mistake they made. I have been in contact with one of Sofi 's representatives via email that is supposed to help solve this issue, yet she keeps asking me to make all the calls to XXXX and do all of the work to fix Sofi 's mistake. I have and can provide all of those emails if I need to.
Product: Mortgage

This website tells it all. We were under the 90 day to vacate agreement with Bank of America, we did not take cash for keys. XXXX week before we were to vacate, we were viciously attacked in our home by the new owner 's adult son. I need justice and I am not getting it! Please help me, I 'm a widow under great attack. 
Thank you! 
XXXX
Product: Debt collection

RMS RECOVERY MANAGEMENT SOLUTIONS IS HARRASSING FAMILY AND FRIENDS I DONT ASSOCIATE WITH OR HAVENT SPOKEN TO IN YEARS. IM NOT EVEN SURE HOW THEY ARE GETTING THE NUMBER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted and faxed XXXX, XXXX, and Equifax on several occasions asking them to remove the extended fraud alert from my credit report, but they have not removed it. I never gave them permission to place an extended alert on my credit report. I ask that they have this fraud alert removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC is actively reporting a line of credit as a defaulted and charged off mortgage to the credit bureaus. It is being classified as an M9 by the credit bureaus. After numerous attempts, there is no one individual at PNC who can navigate an issue from XXXX when PNC inherited the errors. 


I first spoke with Customer Service ( XXXX, XXXX, XXXX @ XXXX ext. XXXX ) and said I had the Recorded instrument with the Satisfied Stamp to prove the equity line was paid off in XXXX. One individual told me they arent XXXX XXXX but PNC, not knowing of prior mergers. All were unable to help and did not call me back. 

My second attempt with an XXXX XXXX was unsuccessful so I contacted a local branch with a Mortgage Broker office. There I spoke with XXXX XXXX ( XXXX ) XXXX. He informed me there was nothing that could be done and failed to provide any avenue to help resolve the error. 

Overview of error : With the many mergers ( XXXX became RBCXXXX XXXX then RBC Bank XXXX then PNC ) there was an error in the transitioning. 
The original credit line was opened with XXXX as an Equity Line for {$80000.00}. This was paid in full XXXX of XXXX. 
There is public documentation of RBCXXXX Certificate of Satisfaction for the Equity Line, paid in XX/XX/XXXX with the Register of Deeds ; with the merger of the two banks this has been overlooked by PNC. 
There is public documentation of the property used to secure the Equity Line being sold and transferred free of liens to the new owners XX/XX/XXXX. 
The account was then converted to an open line of credit, paid in full XX/XX/XXXX. 
We have not, nor ever have defaulted on a mortgage or credit line. 

We have documents showing a clear paper trail that begins with an equity line secured with property, a filed note of satisfaction from the payoff, a bank statement showing a zero balance and a clean transfer of ownership to the new owners, all ending in XX/XX/XXXX. 

The current RBC/PNC reporting to the credit bureaus needs to be changed from a charged off mortgage to a paid in full line of credit from XX/XX/XXXX up to the payoff in XX/XX/XXXX. 

Because of the age of these transactions, we were not aware of the reporting code M9. We had no need to apply for credit until we were refinancing our home in XXXX of XXXX, which was when we were informed how detrimental this error was to our credit report. In the end, it cost us points on our new mortgage and have probably had poor credit scores due to our supposed default of a mortgage.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been trying to remove this {$620.00} debt XXXX original creditor, from my credit reports for the last 3 years as this debt does not belong to me, when continued letters of correspondence with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX, and now with Source Receivables XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Management requesting documents to establish validity such as signed contracts, signatures, what services or equipment was obtained, tangible evidence neither XXXX or Source Receivable Management the present collection agency have not sent me acknowledgement of the requested documentation, nevertheless while in dispute status this still is reported to all the credit agencies, and the original creditor sold the debt to the above collection agency, and has continued to report a balance owed. Thats double the damage and is not permitted, Under the Fair Debt Collection Practices Act, debt collectors must send the consumer a written notice of the debt within 5 days of initial contact with you which never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am looking at my credit report and I see fraudulent addresses that are not mine on my file. I am a victim of fraud and I am current in the process of filing a FTC report. Someone has been using my name and ss.I HAVE NO IDEAL WHY THESE ADDRESSES ARE ON MY FILE PLEASE DELETE THEM ASAP!!! XXXX! 
XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX My name is XXXX XXXX XXXX MY PLEASE REMOVE ANY VARIATIONS OF MY NAME THEY ARE NOT ACCURATE. 
MY ADDRESS IS XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting or other personal consumer reports

In late XXXX, right before XXXX XXXX, I met with a XXXX XXXX XXXX XXXX XXXX representative about installing Solar panels on my roof. This company works with XXXX XXXX, a financing company out of California. After reviewing rebates I decided not to do the project. I cancelled within a couple days with XXXX XXXX, which they said, wasn't a problem and was done within the window of cancelation time. I had to email the XXXX XXXX because they were closed on the day the project was canceled. Nothing started or was scheduled so I thought everything was taken care of. 
In early XXXX, I received a letter from the Michigan Department of State - Uniform commercial Code, with a Filing Number & Work Order Number, about a Lien notice. I called XXXX and talked to a representative on the phone on XX/XX/year>. The representative said they did not get the email so I forwarded it along with the return case number. He said he understood and would take care of it. At the end of XXXX, I received another email from XXXX stating they needed confirmation from XXXX XXXX to confirm the cancellation. I then forwarded that email to the XXXX XXXX representatives, XXXX and XXXX, and requested they confirm the cancellation. 
Today, I received a notice from my credit monitoring services that a new account from XXXX was added to my credit report. I tried calling XXXX because they say they are open Saturdays but when you call, the message says they are closed, call back Monday-Friday. I again, forwarded the email request to cancel to XXXX XXXX team and the XXXX service email address and told them I was planning to report this account as a fraud event on my credit and please cancel. 
Another strange thing is the Account number, company address and phone they shared originally are different than information showing on my Experian credit report. 

Details : Organization name : XXXX XXXX  Mailing address : XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX Phone : XXXX email : XXXX XXXX : XXXX Lenders License # : XXXX
Product: Credit card or prepaid card

Was sent offer for buissness credit card from capital one, applied was given credit card with XXXX dollar limit have used card several months never late pay balances off in full My credit score is over 800 got letter saying they were closing my account that my buissness didn Align with their policy called them asked for explanation was told couldnt have one and that I couldnt talk to anyone else
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding multiple inaccurate inquiries on my consumer credit report. These inquiries were made by the following entities : XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXX XXXX  XXXX XXXX of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXXXXXX XXXX XXXXXXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX : Equifax Upon reviewing my credit report, I have identified these inquiries that I believe are inaccurate and unauthorized. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to take legal action if inaccuracies exist in their credit report. Therefore, I am writing to inform you of my intent to pursue legal action if these inaccuracies are not addressed promptly.

Failure to Provide Accurate Reporting : I have found that some inquiries on my credit report do not accurately reflect my credit history or any legitimate application for credit. This violates my right under the FCRA to have accurate and complete information in my consumer report. 
Unfair or Deceptive Practices : I believe that the reporting agencies and the creditors listed have engaged in unfair or deceptive practices by allowing inquiries to remain on my report without proper authorization, as required by the FCRA. 
Lack of Proper Investigation : I have disputed these inquiries with the credit reporting agencies, yet they have failed to conduct a thorough investigation into the validity of these inquiries as required by the FCRA. 
Inadequate Notification : I did not receive proper notification regarding the inquiries that were made on my credit report, which I am entitled to under the FCRA. This lack of transparency prevents me from understanding how my credit is being evaluated.

Impact on Creditworthiness : The inaccuracies in my credit report, including these unauthorized inquiries, have adversely affected my creditworthiness and have hindered my ability to obtain credit, violating my rights as a consumer under the FCRA. 
Failure to Correct Inaccuracies : Despite my attempts to resolve these discrepancies, the credit reporting agencies have not corrected the inaccurate information on my report, which is a violation of my rights under the FCRA.
Product: Credit card or prepaid card

XX/XX/2019 I applied and was approved for a XXXX credit Card in a XXXX  store in XXXX, CA. I used the store 's computer and created an online account with a login and a password. I purchased two tires and charged them to the account. I was given a receipt that included only the last four digits of the card. It has been 23 days and I have not received the card. I received an email saying my bill was available online but when I login with the info. I created at the local store it accepts the login but requires me to enter the CC account number and the security code from the card as a verification step. I do not have the card. I've called twice. The first time I called they told me to be patient, the card would arrive soon. The second time they claimed they tried to call me to verify my info. before sending out. They then verified over the phone and said they would expedite card delivery and I'd receive in two days, its been one week and still no card.All my info. was verified during the application process in the store. I did not receive any call nor any messages. Both times they said they could not give me the account number over the phone. This is preventing me from making a payment and can cause me to be late and impact my credit. Their behavior is fraudulent and therefore illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Full Name : XXXX XXXX XXXX Home Address : XXXXXXXX XXXX XXXX XXXXXXXX TN XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Incorrect Information On Credit Report ( Wrong Address, Fraud, Incorrectly Shows Account Still Reappeared ) Fraudulent Address & Negative Account Information Appearing On Credit Report. I'm Not Familiar With Address ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ) Associated With " XXXX XXXX  '' After Contacting Creditor Directly And Them Validating The Personal Information With Me. So I Uploaded A Picture Of My Government Issued ID And Mailing Piece That's Attached For Current Correct Address Including IDTheftReport From XX/XX/XXXX And Requesting Updated Corrected Consumer Statement As It Appears On My XXXX  Credit Report : # XXXX # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC. Consumer Statement : OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Or ( XXXX ) XXXX
Product: Checking or savings account

I Strongly Disagree on Wells Fargos Response because they decieved me to loss my fund to the scammers. 

I want to notify CFPB ; Wells Fargo Bank was keep invading my right of disputing fraud transactions and tried to conceal my truth. 

Regarding Wells Fargo 's response on case number ***************** and Consumer Financial Protection Bureau case number ***************, I strongly disagree. It is a completely unacceptable response. Wells Fargo is still concealing its faults. The check I deposited on XX/XX/year>2024 was cleared and fully credited to me on XX/XX/year>2024 but was returned unpaid on XX/XX/year>2024. After my bank, Wells Fargo, cleared the check, I trusted the company enough to apply for a job at the XXXX XXXX XXXX. When I deposited the check, Wells Fargo failed to notify me that the check was returned unpaid. In conclusion, Wells Fargo is fully responsible for my loss, whether they like it or not, because they are the primary reason for my loss. Today, Wells Fargo became a primary reason for my loss of XXXX dollars. Legally, WF is responsible for reimbursing this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is supposed to remove all medical debts under {$500.00}. Unfortunately they are refusing to follow thru with this policy. I've contacted them countless times regarding this, and they refuse to make it right. I've had people on the phone with zero skills simply just tell me no or walk away from the phone. I've had difficulty getting escalated to a supervisor. It's been over an hour waiting for a supervisor today. 

I've submitted countless disputes thru equifax.com The debt in question is reported by XXXX XXXX XXXX XXXX. XXXX has failed to provide a proper debt validation after multiple times contacting them. Their debt validation doesn't comply with XXXX XXXX The company has since began to refuse to speak with me regarding my debt. 

That's XXXX big reasons why Equifax needs to remove this account from my credit report. I'm preparing to file a lawsuit in the event this complaint doesn't get me a resolution.
Product: Credit reporting or other personal consumer reports

XXXX provided a copy of my credit report to multiple companies without my authorization : XXXX XXXX on XX/XX/XXXX XXXXAlly Financial XX/XX/XXXX XXXX XXXX on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had two capital one accounts since XXXX. I have never made any late payments on any of my accounts until I lost my job back in XX/XX/XXXX. The school I was teaching at received less funding and I was laid off. In XXXX, I was diagnosed with an illness and am unable to work. My income was reduced by a total of 60 percent. I receive XXXX XXXX from the state of New Jersey. My husband then lost his job as XXXX XXXX at XXXX XXXX because if the government shutdown. He missed two pay cycles. He has since returned to work. I contacted Capital one in XXXX to confirm that if I made my payment on XX/XX/XXXX that it would not report 30 days past due since my family was effected by the government shutdown. I received an alert stating my payments were reported 30 days past due in XX/XX/XXXX and XX/XX/XXXX. I called dozens of times asking if they have a program to help people experiencing a hardship and they advised me there was nothing they could do to help. They didn't care that their employee gave me the incorrect information. I was devastated, as trying to preserve our credit is the only hope we have in re-financing our mortgage so we don't lose our house. I filed a complaint with the better business bureaus, and got a call from their executive office, I missed their call, as I was in physical therapy, I left a voicemail and I explained my situation with the guy who called from their executive office. He never called me back after leaving 6 voicemails. About 10 days later he called back and stated he would reach out to me when he found a solution. he called back about 4 days later and advised there is nothing they can do to help. The Executive office claims they do not have a program to help people affected by the government shutdown. although another employee and their website states the contrary. I am disturbed by their treatment of me, and I felt less than human when talking to them. One representative even referred to me as " you people who can not pay on time. '' I hung up the phone and just cried. My hope is that Capital one will finally try and help me, move forward by honoring their promise to not report late payments to the credit bureaus during the months of XX/XX/XXXX and XX/XX/XXXX due to the government shutdown.