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

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report.

1. 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 FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 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 FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 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 FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I BELIEVE I AM A VICTIM OF IDENTITY THEFT AND THERE ARE ACCOUNTS THAT DO NOT BELONG TO ME
Product: Mortgage

1. NationStar Mortgage maintains that the XXXX or XXXX was not submitted by me before XX/XX/XXXX.
2. NationStar mortgage admits that they had a completed application by XX/XX/XXXX.
3. But how can they have a completed application when the XXXX or XXXX was never submitted.
4. The reason NationStar mortgage had a completed application without the XXXX or the XXXX is because it was not applicable to me, because the household contributor or myself had any taxable income.
5. I am requesting that NationStar mortgage provide me with the XXXX or XXXX where me or the household contributor signed.
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6. Again Nationstar Mortgage is maintaining that they had a completed application on XX/XX/XXXX but how? If the XXXX was never turned in by the household contributor or myself?
Product: Credit reporting or other personal consumer reports

I have rights to ensure that your private information is not shared without my consent. The Fair Credit Reporting Act and other laws protect my privacy and require consumer reporting agencies like XXXX and XXXX to exercise fairness, impartiality, and respect for my privacy. These agencies need my written instructions to furnish my information to financial institutions. However, I have not given my consent for them to share my information, and they have not informed me of my right to exercise my nondisclosure option. Additionally, they are reporting adverse information about my account without your permission, which is against the law. The agencies are also required to maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports. You have the right to opt out of their reporting at any time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX original debtor XXXX has received a check and cashed agreeing that the debt has been paid in full and will remove the debt from the credit report if cashed. The check was cashed on XX/XX/2023 and I received a call on XX/XX/2023 advising me they have a balance left and they do not have anything to do with the updating of my credit report. 

Please have this debt removed as a negative remark on my credit report as the debt has been paid in full and the agreement must be honored. 

Attached is the cashed check with the agreement of being cashed debt will be PIF and removed from my credit report
Product: Mortgage

We settled a short sale agreement with Bank of America Home loan on both first and second mortgage and sold our home on XXXX/XXXX/XXXX through escrow and the title company wired funds to BAnk of America and paid off the XXXX loans. 
However Bank of America turned around and sold the second mortgage, which we had paid off back in XXXX to XXXX in XXXX and we got collection notice in XXXX from XXXX. We 've called and submitted closing & pay-off statement/documentation on both loans from XXXX XXXX XXXX XXXX to both financial institutions to get this resolved and filed official complaints. But we were either got ignored or told that it was not their problem. XXXX is sending us collection letters and negatively reporting us to the credit bureau on a mortgage that we paid and satisfied and it should not even be existed. 
Our credits were ruined badly and we are deeply distressed by this.
Product: Vehicle loan or lease

In XXXX I purchased a XXXX XXXX and the lender was XXXX XXXX. In XX/XX/XXXX I was contacted by One Main Financial ( XXXXXXXX XXXX  XXXX ) about a loan. One Main Financial was going to pay off the loan I had with XXXX XXXX and an additional sum of money for around {$6700.00}. Together the total was around {$24000.00}. Within the 3 day grace period I canceled the refinance/loan with One Main Financial. I returned the {$6700.00} via money order per their instructions in person and they told me they would stop payment. I was told by One Main Financial they submitted a 'ticket ' to stop the payment. I also reached out to XXXX  XXXX regarding this and told them I did NOT want to refinance with One Main Financial but XXXX XXXX  said they could not stop payment. Neither stopped payment so the loan with XXXX XXXX was paid off on XX/XX/XXXX. Since then I have been trying diligently to get my loan with XXXX XXXX reinstated. Every time I call XXXX XXXX they tell me something different. Usually its the refund will be issued in 5 days or that they need one main financial to contact them. I then reach out to one main financial ( XXXXXXXX XXXX XXXX ) and instruct them that XXXX XXXX needs them to call them but no one is following through and is taking a long time on purpose. I am assuming because of commission. But I do not know what else to do. I canceled within the grace period and one main financial doesn't care about getting this resolved in a timely manner. Every time I call XXXX XXXX  I am on hold for a long time and am told something different. Can you please help me. If one main financial had done what they were supposed to the payment would have been stopped and this wouldn't have happened. I can not provide the information that XXXX XXXX is requesting-that is on one main financial and they are not doing what they're supposed to do. One main financial said they sent documents to XXXX XXXXXXXX but I can not prove if they even sent what was requested. I feel like they are purposely dragging this out so that XXXX XXXX will not reinstate me after the 90 days. I have done most of the leg work for one main financial to help me. I have attached the email I sent them once I finally talked to some at XXXX XXXXXXXX who told me what to do. But I can not prove any of this has been received or sent to begin with. 
Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home depot credit card account, they reported my account 30 days late in XX/XX/2014, upon contacting them i was told my account was moved to paperless billing, I had no knowledge of this and explained repeatedly i did not choose this option, because they did not mail me a statement I got no bill to pay, only late in 17 years and i have tried many times to explain this to get it resolved and what happened and that it was not my fault that they did not bill me for payment. I have filed disputes to all 3 credit reporting agencies trying to resolve this. I have since made sure this account and all of my accounts remain on paper billing. their website prompts you right as you sign in and several times during when using it to check your account online to change you account to paperless billing, I should be able to tell them once I do not want that and not have to keep telling them no very deceptive
Product: Credit card or prepaid card

I applied for a card from Chase bank on XXXX XXXX. I received an immediate approval and received the card in the mail 1 week later. Within that week, I also applied for other credit accounts. On XX/XX/XXXX ( just a few days after receiving the card and never having used it ) I was informed that the account was being closed because I applied for multiple OTHER cards. 

As a result of the account being closed I suffered the damage of having my credit score dropping due to the account being closed. 

I want this injury reversed by having the closed account removed from my credit report so that it does not continue to negatively effect my score in to the future.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am reaching out to address a serious concern of identity theft related to an account opened under my name with XXXX XXXX XXXX on XX/XX/2017. Despite submitting substantial evidence, including a police report, message screenshots, my credit file, drivers license, social security card, and an XXXX dispute confirmation, my repeated requests for information from your company have been overlooked over the years. 

This lack of response is not only disrespectful but also a violation of my consumer rights. The documents I have provided clearly demonstrate that the account was fraudulently established without my consent. 

I urgently request that XXXX XXXX XXXX act immediately to investigate this matter and provide a detailed response that recognizes the gravity of this identity theft and outlines the steps you will take to rectify the issue. 

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

Wells Fargo {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be Block. Per FCRA segment 605 CREDIT BUREAUS are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider Credit Bureaus responsibilities. 
XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$700.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX ( Phone and Internet company ) Experian ( Credit Reporting company ) XXXX : XX/XX/2023 I closed a XXXX account. Upon closing the account I had a Credit of {$50.00}. 

XX/XX/2023 I used the Credit of {$50.00} towards a XXXX XXXX account as that was the option given to me by a representative XXXX. 

XXXX - Present I have been notified that the Closed Account has a balance of {$50.00} which I now owe. 
I have spoken to multiple XXXX agents ( XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) in different departments regarding this. They all apologize for the situation and admitted it's an internal error on their end. They all claim to have resolved my issue even providing me with confirmation numbers and emails. However the problem hasn't been resolved and now the Closed account has been put through collections. 

Experian ( Credit report company ) has notified me of this. There is now a derogatory claim in my report from XXXX for {$50.00}. My credit score has also dramatically dropped because of this situation. 

This is very unfair to me. I did not do anything wrong. XXXX admits the internal error on their end, even apologized for this but they haven't done anything to correct this.
Product: Mortgage

These folks at XXXX XXXX are something else! They sold my loan a month after inception and the account is still showing active when I sign in to my account. I want this account closed in good standing on credit report. In addition, I paid them my first payment on XX/XX/XXXX and the new servicing bank has not received payment. I want to make absolutely sure this payment is applied on the date it was made.
Product: Checking or savings account

I opened my account with Albert Bank in late XXXX ( around the XXXX ) after my friend, ( initials XXXX ), referred me to their app. There was a promotion where the referrer and the referee will receive {$500.00} if certain terms and conditions are met. I explicitly remember my friend 's name showing up when I opened my account, indicating that the referral had processed properly. 

Recently, I had completed all of the requirements needed to receive the {$500.00} bonus. However, when I reached out to customer service at Albert Bank, they said there was no referral tied to my account. It sounds as though they are trying not to pay out the referral bonuses that are rightly due to my friend and I. 

My friend has also reached out to their customer service indicating that he did indeed refer me but we have received no response or indication that they will make things right. I have heard that others have had this same problem with Albert Bank so I do hope that they remedy the situation for all involved parties. 

Thank you for your help and support.
Product: Mortgage

Wanted to pay my mortgage ahead in case I ran into financial difficulty. I sent in two payments on XX/XX/20 and a third undue payment on XX/XX/20. This would have put me three months ahead. Amerihome Mortgage misapplied those funds to the principal instead of the payments. I have spoken to them three times and written them once and have not received resolution. Now financial difficulty has arisen and I need that three month grace period. I have been lied to and ignored. Their records reflect that they received the money and what happened to it but say it's my fault for sending it in without notifying them of what I was doing. I'm notifying them now. I can't make these payments. I need help. 

AmeriHome mortgage XXXX XXXX XXXX XXXX XXXX, new jersey. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

15USC 1681 ( a ) ( 4 ) rights to privacy and 15 USC 1681 ( a ) ( e ) shall not include factual info.
Product: Credit card

Wells Fargo called me with fraudulent information to both my name and social security number. They provided me with all my information. They called me today XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They were extremely rude and very aggressive. They provided me with too much information of my information ( XXXX XXXX The phone number called from was XXXX. They also provided me with a faked identification number # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REGIONS BANK # XXXX The balance is correct with this account. I called and Regions Bank and they admitted they did not report the information to the credit agencies. They balance should reflect {$4300.00}. Please correct ASAP!
Product: Debt collection

On XX/XX/2020 I attended a Free Dinner/Seminar provided by XXXX XXXX XXXX on the topic of XXXX. At the conclusion attendees were invited to attend a screening at their Offices for a {$79.00} fee. I attended this screening/interview with one XXXX XXXX, XXXX. ( the other Company Principle is XXXX XXXX, XXXX. ) I did not find out that they were XXXX  's and not XXXX  's until a few days later. Mr. XXXX repeatedly, with expertise, insisted that their program would end my XXXX XXXX XXXX XXXX XXXX I told him that I was a XXXX XXXX XXXX over 10 years ago and had not been tested for the last 5 years. I was assured that I could OPT Out of their Program and be refunded. I agreed to sign up for their program on that assurance by Mr. XXXX.I also mentioned that I had to wait 4 months for an Appointment with my newly assigned XXXX XXXX   Doctor and the AppT was on XX/XX/2020 and he ordered an XXXX XXXX  at that time. I received the XXXX XXXX   results on XX/XX/2020 and the Test revealed that I was not XXXX!! I went to the XXXX Office on Monday XX/XX/2020 and met with Mr. XXXX and informed him of my intent to cancel and he accepted and said he would notify accounting. I signed a form that I would Quit the Program See Encl ( 1 ). 
According to XXXX the Total Cost is {$14000.00} and I Paid a Deposit of {$2000.00} which leaves a Net Balance of {$12000.00}. See Encl ( 2 ). 
No refund of the Net Balance has been applied BUT XXXX XXXX XXXX DID REFER the Net Balance of {$12000.00} to a Finance Company named GREENSKY as a DEBT in my name!!! See Encl ( 3 ). 
I am a XXXX year old XXXX  United States XXXX and have received daily Phone Calls from GREENSKY, also Billings and Emails. Do not do MEDICAL business with XXXX!!!!!!!
Product: Credit reporting or other personal consumer reports

Hello my Complaint is the Bank involved XXXX XXXX mainly i Lost my Job a long while ago when i had the account and i XXXX  overdrafted some and ended up owing XXXX  XXXX  XXXX XXXX  because my account was overdrafted for a long time and i had no income the amount was acctually higher until my state income tax return came and my amount owed was reduced for XXXX XXXX  and my Problem is me owing them XXXX XXXX has my ability to Open A bank with Some/many/or All banks is now either hard or next to impossible thanks to me owing ally XXXX! XXXX  only XXXX XXXX  and possibly my XXXX  account is mixed up in it as well closing out owing them XXXX XXXX  because i was using Privacy the virtual card service and forgot privacy charges take a long time to go through and what i probably did with XXXX  is spend the money before paying XXXX but i dont know if its on the same report so i recently applied to some banks and was rejected by both XXXX XXXX XXXX  and XXXX XXXX and this XXXX XXXX  a Small amount mind you which im happy to pay is ruining my chances of opening any account and prepaid/debit card accounts charge annoying fees on anything id rather have a bank and im pretty sure if i apply to most banks i will get denied i would totally understand if i Owed XXXX XXXX XXXX but its XXXX XXXX  if XXXX  is actually in the report i owe probably XXXX together this is crazy and i lost the letter ally gave me stating this but when i applied to XXXX  XXXX for an account they sent me this letter saying my early warning score is high risk
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an Bankruptcy on my Credit File with XXXX, and the ending results they admit to violating the Fair Credit Reporting Act. The information they received was incorrect and also obtained illegally from a third party.
Product: Debt collection

AD ASTRA REC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AD ASTRA REC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AD ASTRA REC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX
Product: Checking or savings account

Merrill lynch is saying i cashed a check with another bank and how would they know anything outside of their bank or XXXX XXXX, neither bank is suppose to discuss a situation going on with me unless i give them permission, especially if they are assuming and they are a third party that violated my constantutional rights and i am going to sue for all of this going on, thats my money and i want it, their was no other check cashed cause it was cashed with merrill lynch XXXX the check cashing place was doing janky stuff and tried to deposit a check remotely when they did not give me the amount of the check but that's between me and them and the law if something was done fraudently.Which it wasn't, The check cashing place was trying to charge me XXXX so i changed my mind and deposited the check with merrill lynch not whith them they had copies of my check and i deposited my check on the XXXX of XXXX XXXXCheck cashing or banks don't even give you that amount of money at one time anyway you have to wait 5 days, Here is the checks that they sent to me showing they did not get my money merrill has it and i want it back now, before i sue .They are liars and thieves.