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

XXXX XXXX XXXX has fraudulently reported and sold my personal information to credit reporting agencies and to XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I admittedly accrued a large amount of credit card debt while I was in XXXX school. I took out a loan with this creditor to consolidate this credit card debt in XX/XX/XXXX. With the financial strain of Covid followed by some medical issues that resulted in medical debt XXXX, I was struggling to get on top of things and partnered with a debt settlement law firm in XXXX, XXXX XXXX XXXX XXXX XXXX. I enrolled three debt accounts at that time. Two of the accounts were resolved within a year. XXXX XXXX ( XXXX ) refused to negotiate with the firm before serving me with a legal notice at my home earlier this year. There was a settlement payment schedule approved XX/XX/XXXX- XX/XX/XXXX. I have made every payment on time through an escrow account since XXXX of XXXX ( $ XXXX ). I disputed through XXXX some addresses and phone numbers I did not recognize. XXXX took the opportunity to update my account at that time to " C '' collections. My credit score took a huge dive at that time. My credit report indicates this account was " CO '' charge off from XX/XX/XXXX to XX/XX/XXXX. To arbitrarily update my account to " C '' as of XX/XX/XXXX seems retaliatory and has greatly impacted my creditworthiness.
Product: Credit card or prepaid card

CITI Bank Shell Fuel Rewards Card I applied because promotional off was XXXX per gallon on my first 5 purchases but I never received that on my first 3 purchases so I stopped using the card. 
I tried to link my original Shell account and that never worked because for some reason every time I try to use the card under my Shell reward account the card wont work. 
Every time I use the card by it self I don't even get the 5-10 cent promised on every use of the card I called many times and I was told many lies but non of them were true because I never received any of the promotions I was offered
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX - XXXX - XX/XX/XXXX XXXX. XXXX - XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX
Product: Checking or savings account

Apple bank closed my account and now that i ask for bank statements for taxes nobody answers me and i really need them its not nice at all from them
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BRIDGECREST CREDIT COMPANY , LLC has not been able to verify this account and the credit bureaus XXXX and XXXX are refusing to remove the account from my credit report I have written them multiple times and they have not responded
Product: Prepaid card

My dasher direct account was charged twice at a XXXX  and I did not use my dasher direct card. These purchases were on XX/XX/2024. I contacted the help line through XXXX  filed for fraudulent charges paid to block my card and ordered a new one. They emailed me stating that it was not fraudulent because it was a chip purchase but I did not use my card... I did use the company red card to make purchases for customers the day prior which was the only XXXX purchase I have ever made. I spoke with a representative and she just kept telling me that I was paid for the dash which was not even my concern as I was calling about purchases I did not make. After getting nowhere with her I asked to speak with someone else and recieved a call asking for my information and a screenshot on the charges and he would call back and never has. I am out {$68.00} for the charges I did not make and {$5.00} for a new card. Plus not being able to use the money in my account until the new card arrives.
Product: Mortgage

My mortgage loan was transferred from XXXX XXXX XXXX to Nationstar Mortgage. I did not receive notification of this transfer until after I made a {$980.00} mortgage payment to XXXX for my XXXX 2015 payment. When I set up my new Nationstar Mortgage account, I noticed that my payment to XXXX had not been applied to my Nationstar Mortgage account and my account was showing as not paid. I paid Nationstar Mortgage another {$980.00} so that my account would be paid with Nationstar within the 15 day grace period and would not be hit with late fees or result in a negative credit report from Nationstar. The transfer letter that I received from Nationstar stated that XXXX would forward the payment to Nationstar ( XXXX # XXXX / my Nationstar mortgage # XXXX ). XXXX XXXX XXXX XXXX # : XXXX / my XXXX mortgage # XXXX ) has not forwarded that payment. 
I have been defrauded by both Nationstar and XXXX in what appear to be a scheme putting me in a situation where I am forced to pay XXXX mortgage payments for 1 month. 
As I see it, XXXX has defrauded me out of {$980.00} by accepting my payment, knowing that my loan had been transferred to Nationstar, and then failing to forward that payment to Nationstar which resulted in my having to pay Nationstar an additional {$980.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Information Under 12 CFR 1006.34 ( b ) ( 5 ) and FCRA 15 USC 1681 To Whom It May Concern, I am writing to dispute inaccurate information that appears on my credit report. This dispute is made pursuant to my rights under 12 CFR 1006.34 ( b ) ( 5 ) and the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.

Details of Disputed Information : Reason for Dispute These account are inaccurate, please delete. 

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 Request for Action : - **Immediate Investigation and Correction** : I request that you conduct a thorough investigation into this matter and delete the inaccurate information on my credit report. 
- **Written Confirmation** : Please provide me with a written confirmation of the completion of your investigation and the results. 
- **Updated Credit Report** : Send me an updated copy of my credit report reflecting the corrected information. 

XXXX XXXX XXXX Legal References : - XXXX12 CFR 1006.34 ( b ) ( 5 ) ** : This section outlines the requirements for the accuracy and completeness of information reported by debt collectors.

- **FCRA 15 USC 1681** : The Fair Credit Reporting Act ensures consumers ' rights to dispute and correct inaccurate information on their credit reports.

Please address this matter promptly. Failure to correct the inaccurate information may result in further action to enforce my rights under the FCRA and other applicable laws. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Consumer Loan

Republic Finance agreed to a reduced payment amount and but still continued to call repeatedly while I was making payments. They then filed a lawsuit in XXXX while I was paying. They started coming to my Mothers house and They filed a law suit on XXXX XXXX. But was still taking monthly payments. I became distressed due to this. I have a court date for XXXX XXXX. But I would like to be given a settlement option of 50 %. I believe Republic Finance acted inappropriately and improperly. I was paying them monthly the agreed amount of XXXX. 

Thank you
Product: Vehicle loan or lease

Unfortunately, last year, I was in a financial dilemma due to job loss. As a result 3 ( to my knowledge ) of my payments to you were delayed. Because your account with me is extremely important I managed to borrow money in an attempt to bring my account current. 



I reached out to capital one at that time and explained to them my situation and basically PLEADED for them to defer the payments or move them to the end of my loan and was denied. Please note I have had my car for almost 4 years and I have NEVER qualified for that help. Thats very unfortunate and Im confused as to why Ive never qualified. 



Nevertheless, Ive persisted and have been attempting to catch up sincethus my payments are behind by SEVERAL months because the payments Ive made EACH month, since, covers those past months from 2018. 



Fast forward to today, I go online to make a payment and was informed I had to call capital one to pay and when I did I was informed that my car is in recovery status and that the only payment I can make is for {$510.00} and some change over a 3 month period to bring my account current. If I could pay more I honestly wouldnt be behind. 



All Im asking is to continue making my payments of {$220.00} maybe {$250.00} since I dont qualify for defermentand never have in 4 years. I cant afford a repossession. I have XXXX small kids and we need our car. I TRULY appreciate Capital Ones patience with me and I know Im behind by several months but if you look at my history Ive made a payment every month sinceIm trying to catch up. I truly am. Please.
Product: Credit reporting or other personal consumer reports

Im submitting a follow up complaint to you today to regarding my previous submission about this issue. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXXXXXX 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 Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed 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 Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed 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 Balance Owed XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I co signed for a loan with my son so he can purchase a home. Homebridge Financial Services is the mortgage co. I am in the process of trying to purchase a home. They put my son on Forbearance without his permission. He didn't realize until I applied for a mortgage and it came up. My son realized that they didn't do the withdrawal. This was in XXXX, so the made XXXX and XXXX payment together. My mortgage company saw the late payment and requested a letter from the company stating that - They made an error and put him on a forbearance and that is why they didn't take the payment and that he paid once he realized he XXXX was taken out. On XX/XX/XXXX my son and my mortgage broker called the company requesting that letter. They said it will go out on the XXXX of XXXX. When called on the XXXX they said it went out on the XXXX. When I called on the XXXX stating it hasn't been received, they said they will fax it and it will take 24 to 48 hrs. When I called on XX/XX/XXXX and was disconnected 5 different times spoke to 6 different people, some said they do not see the letter. The other say they did. Employee ID # XXXX was going to email Managers and see what they can do for me. I was unable to speak to a manager or supervisor when I asked. Last night we spoke to someone again with my mortgage broker on conference call. They said they see no letter and there is nothing they can do for us. This morning my wife got a fax, a useless fax just stating the definitions for the column headings and my loan history. Loan history was not attached. This letter is not what we need. I have exhausted all avenues with Homebridge on getting this letter. Not only will I lose the house but I have been just advised that I will lose my {$20000.00} deposit which I definitely can not afford to do. Contract is voided on XXXX, 2020. I am on a time constraint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint to CFPB in regards to an issue that Im having with LexisNexis they have failed repeatedly to fix this issue of reporting inaccurate information to XXXX, XXXX, XXXX stating that they received this information from a valid source the XXXX XXXX XXXX BANKRUPTCY COURT. I am also providing a statement from the court that they do not provide any information to the credit bureaus, also I will attach the notice that I mailed to LexisNexis in regards to this issue, along with the letter they sent back stating the received this information from the XXXX XXXX XXXX, I have been going back and forth with lexis nexis about this issue and they have failed to get it right. And they are unable to provide me validity from the court that gave them this information so under the FCRA they are to remove this inaccurate information.
Product: Debt collection

Shortly after I received this letter in the beginning of XX/XX/XXXX, I called CMRE after calling my insurance company form XXXX and explained to the customer service rep on the phone that the claim was not filed by their client. Therefore, either they needed to file it themselves or have their client file it for them. Also, I had not received any communication from their client prior to this communication. The hospital bill had already been received and that this bill would be paid in full because it was in network. I verified this with my insurance. I was told by them that their client had filed it and gotten no response. I advised them that my insurance stated that no claim was ever received. That I had a number that they could call to find out where the mix up was. They said that they do not call third parties. According to FDCPA, they can call third parties with my permission. I asked to speak to a supervisor and was given voicemail. I left her a voicemail advising her to contact my medical insurance company and file the insurance. It is not my responsibility to pay when I provided the insurance information to their client to file and they did not file it in a timely manner. They have a medical billing department in house and they are aware of this. Now they are calling me from California using several different Oklahoma numbers that show up as suspected spam. Then they want me to call them back. Since they can not call a third party from their office ( their words not mine ), why are they calling me? They have a contract with their client, not me. I would be considered a third party as well. And calling with an automated system and leaving a voicemail or using an automated system to tell someone to call you back and what it is about would be a violation wouldn't it? They don't know who is going to pick up the phone on they other end or if it's going to be attached to a car speaker or on speaker phone. Especially when using a suspected spam number.
Product: Checking or savings account

I'm complaining about XXXX accounts that was opened in my name that I didn't open up with TD bank I spoke with customer service and she told me that I have to come into their branch with my ID I told her I wasn't able to get to one of there branches due to transportation I am disabled so she told me she wasn't able to help me so I asked her how is it possible for someone to open up an account in my name without showing ID she told me she was able to open up XXXX online so that why I'm submitting this complaint to get this resolved the XXXX accounts numbers I'm referring to is acct # XXXX and acct # XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXXXXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$5300.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXX/XX/2023.
Product: Debt collection

I am in the process of working on a loan and was alerted to a collection from XXXX XXXX XXXX XXXX by my credit monitoring APP. In haste I paid the amount not knowing that I had an option to verify/dispute the validity of the debt. This was not conveyed to me by XXXX XXXX when I reached out. Due to this I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Product: Student loan

XXXX XXXX now navient I have Over 12k if student loans they will not offer me a lower payment without sending me to collections
Product: Debt collection

5-6 calls per day on average. 
On XX/XX/19 at roughly XXXX XXXX, I received 3 calls in rapid succession. Frequently does not leave voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly lates on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) I requested and was granted an income driven repayment plan. ( I have attached a copy of the letter from XXXX dated XX/XX/2019 showing the updated account information. ) These late payments need to be removed from my credit reporting. This incorrect reporting of lates is seriously harming my credit score. I have contacted the ( 3 ) bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Dear Reporting Agency, I am writing to formally demand the immediate removal of inaccurate and unauthorized personal information from my credit report. Specifically, the following information is incorrect and does not belong to me. 
Names : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inclusion of the aforementioned erroneous information in my credit report is a serious violation of my privacy rights. This unauthorized disclosure of my personal information could potentially lead to identity theft, fraud, and other harmful consequences.
Product: Debt or credit management

I AM COMPLAINING ON EXPERIAN AND XXXX FOR NOT REMOVING THE FOLLOWING ACCOUNT: HAVE THIS ACCOUNT AND ADRESSES REMOVED ASAP!!!!!!!!!!!!!

Address:
XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX 
OPENDED XXXX
ACCOUNT # XXXX

ADDRESSES THAT ARE NOT
MINES: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following list of accounts has violated my federally protected rights to privacy and confidentiality under 15 USC 1681 : XXXX Account number : XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX number : XXXX XXXX XXXX  XXXX Accounts listed above have violated my rights. 

15 U.S.C. 1681 602 A : States I have a right to privacy.

15 U.S.C. 1681 604 section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report 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 have reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries below are fraudulent and werent made by me for XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries below are fraudulent and werent made by me for equifax XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX