23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nationstar mortgage has disrupted my credit because they state that in XX/XX/2015 I missed a payment. I never missed a payment. Between XX/XX/2015 and XX/XX/2015, my payment changed because Nationstar states that my loan went from an interest only loan to a principle and interest loan. I made my usual payment of {$3200.00} in XX/XX/2015. What I did not know is that Nationstar put that money into suspense and did not apply it to the loan because they do not accept partial payments. When I received my statement in XX/XX/2015, I noted the increase in required payment adjusted my payment accordingly. At the time, I was remodeling the home and I assumed that the increase in payment was to cover additional escrow because the taxes and insurance went up. I never thought any more of it and continued to make the new payment ; actually paying more than the required payment. ( This is a practice that I have always done with all of my loans ) Nationstar never notified me in writing, email, or by phone prior to XX/XX/2015 that my payment would be changing in XX/XX/2015. They state that they tried to contact me in the month of XXXX, but that my phone was disconnected. That would not seem plausible since, as a surgeon, I would never not have a working number. Even if they had tried to contact me, it would have made no difference because I already had corrected the payment. At the time, there was more than sufficient funds in escrow to cover the {$600.00} difference that they said that I owed, but they did not apply those funds. Instead they put the {$3200.00} into suspense and did not apply it to the loan. I never discovered any of this until I started the process of refinancing my home. Now, Nationstar says that they can not amend the report. This is disrupting my credit and making it difficult for me to refinance the home. At XXXX years old, I have never declared banckrupcy, short sold a home, or missed a payment in my life!! This is a mistake on Nationstar 's part that is affecting me. I find it hard to believe that they can not amend their report based upon all the evidence available. I think that this is fraudulent and shameful. Moreover, I believe that legally, Nationstar should have notified of the payment change. Had they done so, I would have adjusted my payment accordingly and this never would have happened.
Product: Vehicle loan or lease

We applied for a car loan at Rightway in XXXX XXXX and our salesman was XXXX XXXX. Weve never even met in person, but we gave him authorization to run it and we found out today when I received a call from a friend that her son had told her all about our credit report because his dad had told his wife and his son. Not sure who else has been told at this point, but I need to know my rights because Im extremely upset and violated.
Product: Checking or savings account

Chime closed my bank account and I had money in the account. I tried calling customer service and could not speak to a live representative. I was instructed to email to get assistance. I would like Chime to send my money that's due to me as soon as possible. They can mail a check with my remaining balance. Thanks you for your help.
Product: Debt collection

Wakefield & Associates I has violated my right to privacy as well as violated the FDCPA 1006.30a by parking this alleged debt on my consumer report. Please see attachments.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX 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 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

When I had checked my credit report for an apartment on XX/XX/XXXX, I had noticed a Citi Bank XXXX XXXX card that I had never opened on the report. It was already charged off by the time I had seen it, and was opened in XX/XX/XXXX with a balance of XXXX. I have tried many times to reach out to Citi Bank but they couldn't help me as the account was already closed. I had finally been reached out to by XXXX XXXX XXXX in XX/XX/XXXX, where I had informed them that the card was fraudulent, and they said they would have Citi Bank mark it as fraud. I also filed a police report that same day. 

I have tried to call Citi Bank on several different days since then to get the status of the fraud investigation or written confirmation that it is fraud and I am constantly moved around agents who tell me that it is another department that can help me, just for the next agent to say the same. I want a closure to the account and it removed from my credit report from all XXXX bureaus as promptly as possible, so this doesn't hold me back financially any longer. 

Date fraud began : XX/XX/XXXX Date I discovered it : XX/XX/XXXX Total fraudulent amount : {$2900.00} In a text document below I will list the XXXX XXXX XXXX case number ( may be unnecessary as it's been moved to Citi Bank now ) and the police report number I filed.
Product: Credit reporting or other personal consumer reports

My credit report is showing a number of errors and it is causing me a lot of unnecessary stress. I desperately need to find a new place to live and these inaccuracies are making it impossible to find a place where I will be approved. If I can not find a new place to live soon I am going to be homeless. I insist these inaccuracies be removed at once as it is a violation of my rights and is having a dire effect on my life.
Product: Credit card

I canceled my credit card with Fifth Third Bank. Then due to a scandal with XXXX they re-issued a card to me without my knowledge and started charging me late fees, over the limit fees and other fees. Now they are threatening to send me to collections and repossess my car until I pay the fees. There is no record of this card and the credit card number does not match my cancelled card. I think it 's a scam, when I have paid the minimum fees there 's no record of the payment, I do n't understand where my money is going? This company is a fraud and I 'm tempted to sue them for the inconvenience and troubles it 's caused me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information is being displayed on my credit file. Which is in violation of the FAIR CREDIT REPORTING ACT, SECTION 609 & 623. I have contacted you about this information for over a year. that is way beyond the 30 days you are allotted by the law. 

XXXX. XXXX  XXXX XXXX ( closed account ) Account # : XXXX Payment history is being shown as " CO '' XXXX times when it should not be. The account was paid and should not longer be shown on my account at all. 

XXXX. XXXX XXXX XXXX  ( closed account ) Account # XXXX I have never had a personal loan. This information is fraudulent. so why is a fraudulent closed account being shown on my account. I reported the fraud months ago to every agency and it was removed by every other credit bureau but yours.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit card. I have had this credit card for over 8 years. The payment history reporting is incorrect to all 3 bureaus. Payment history shown on my reports only goes back to XXXX, but should go back the 7 years allowed to XXXX. This is resulting in inaccurate on time payment percentage calculations that are significantly impacting my credit score. I first noticed this problem when I was late on a payment in XXXX of XXXX. I have disputed this information with XXXX card. I believe I began the dispute in XXXX of XXXX. They closed the dispute and nothing has changed. I have called them several times since then, most recently in XXXX of XXXX and they now say there is nothing they can do on their end, that it is the credit reporting agencies who are in error. I filed a dispute with XXXX in XXXX of XXXX. They sent me an email saying they had closed the dispute. I called them to follow up and was told that they do now have the payment data going back to XXXX but that it would take until the last week of XXXX to show up in their systems. I checked on ( XX/XX/XXXX ) and it was still not showing up. I filed a dispute on CFPB with XXXX, Transunion and XXXX on XX/XX/XXXX. XXXX has closed the dispute after claiming that they have verified the information they are showing from XXXX is accurate. However, the information is still not accurate. As of today ( XX/XX/XXXX ) the most recent payment shown on the XXXX report is XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

May of sent to wrong company but this is what your program out lined this is to the CFPB I request a Formal investigation of there credit reporting they are being deceitful
Product: Debt collection

Company did not respond to my certified letter they signed for it but did not reply ... I went to the company in person they could not provide me with proof of the debt ... they became rude when I ask them to romove the false debt. I do not have a debt with the company. I spoke to XXXX different managers, no success. Managers XXXX, XXXX and XXXX all said they will get the home office to draw up some paperwork. I have never been to Mariner Finance until yesterday to request proof. At first they said they did n't have anything, then they said the purchaseday the debt from another company but never provided proof and refused to remove from my credit. I have never entered into any type of agreement with Mariner Finance. There are XXXX separate reportingshower on my credit reports from these companies. I sent disputes to all XXXX credit reporting agencies and to Mariner Finance directly, no resolve, please help.
Product: Credit card or prepaid card

I rented a scooter for a day or two while visiting XXXX, XXXX in XXXX of 2018. The scooter rental company put a security deposit of {$230.00} on my card in case of damage. I was told that this security deposit would be returned a few days after I returned the scooter. 

I returned the scooter as instructed, in the proper place, at the proper time, with a full tank of gas and no damage. I took photos of the scooter upon returning it as well. I was told by a representative of XXXX XXXX that everything was fine and my deposit would be returned within a few days. A few days later, I returned to the United States. My security deposit was never returned to my credit card. I first reached out to the XXXX scooter rental company through email and XXXX. I was told that my security deposit would be returned in 30 - 45 days. Upon reaching out to them again through facebook, I was blocked. 

I contacted Bank of America to tell them about the fraud on my account and asked that they remove this charge from my credit card since this company scammed me. They refused. I asked for a response from XXXX XXXX with proof of damages. I asked Bank of America to get proof of damages from XXXX XXXX. Neither XXXX XXXX or Bank of America provided any proof of damage. All of my proof and documentation was ignored. 

Shortly after, it appeared that the scooter rental business shut down. 

After years of a good credit history with Bank of America, I decided to close my account with them due to this issue. I paid off everything except for the fraudulent charges.I maintain that these charges are fraudulent. I have documents with proof - photos of the scooter upon returning it, the company emailing that they would return the deposit, and more. 

At this point, the {$230.00} has now collected some interest on it. 

Bank of America is now reporting that I have a charge off on my credit history and it is affecting my ability to get open a card at another bank and may affect my ability to buy a house. This entire charge off is based on a fraudulent charge.
Product: Credit card

On XX/XX/year>, I was shown an advertisement for the Citi / AAdvantage Platinum Select Card while booking a flight, implying that I could use the promotion for that same flight. I applied for and was approved for a Citi / AAdvantage Platinum Select Card with a credit limit of {$14000.00}. At the end of the application process, there was an option to get a temporary card number. I planned to use this credit card to purchase my XXXX XXXX flight. The promotion offered up to a {$250.00} statement credit on eligible XXXX XXXX purchases in the first 6 months of account opening, plus XXXX bonus miles after {$2000.00} in purchases within the first 3 months of account opening. 

The XXXX XXXX website timed out or I might have close out of the tab, so I had to re-enter all of my information. By the time I was ready to input the credit card information, I couldn't find the tab with the temporary credit card number. I attempted to log into my new Citi account, but it said I needed the CSV on the back of my credit card. Since I was approved the same day, I won't receive my physical credit card for 7-10 business days.

I called Citi and spoke to 5-6 different agents. I was ultimately told that there was nothing they could do to trigger the temporary credit card number again and that I would need to wait until my physical card arrived. 

I believe I was deceived because the advertisement suggested I could use the credit card for the specific flight at a certain price. Now, I'll need to wait 7-10 business days to book the flight, and the specific flight will very likely be at a different price.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian have changed my address without my knowledge or permission and because i do not know that address they refuse to send my credit report to me or provide it to me. 

I live in a protected address system and Experian are endangering my life and causing havoc with my financial status because they have changed my address to something i have never heard of and certainly never lived at. 

I have a court order from a judge that my address be kept confidential due to attempts on my life and now Experian are endangering my life because they will not recognise my address is the same for the last 15 years and has not changed, they have changed it for some reason when i do not have any cards or applications for credit or accounts in any new or different address.
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and spoke with their customer service representative named XXXX at XXXX AM to inquire about an erroneous entry being reported to the Chex Systems XXXX platform regarding a fraudulent charge in the amount of {$470.00} pertaining to an account that was closed due to the fraudulent activity. This account XXXX was closed and notated as being related to fraudulent activity and a new account was opened. The customer service representative cleared out that transaction from the balance showing paid in full ( zeroed out due to the fraudulent activity ) on XX/XX/XXXX. However, XXXX XXXX XXXX XXXX XXXX still continues to report this as an amount being owed by me through the Chex Systems platform. This has caused injury to my creditworthiness and has prevented me from opening further bank accounts at will or without reprimand. I have already tried to dispute this issue directly with Chex Systems and they refuse to remove the entry because XXXX XXXX XXXX XXXX XXXX is reporting this as " NON-SUFFICIENT FUNDS ( NSF ) ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( XXXX ) AND VERIFIED ACCURATE BY FI ; '' - even though it has reported a closure status showing as : PAID IN FULL with a Closure Status Date of : XX/XX/XXXX. XXXX directed me to fill out a Credit Bureau dispute form online so that this request is formally disputed in writing with their organization and the issue will get investigated and resolved within a few days. However, I never received a response from anyone regarding this inquiry. I also called back to follow up and they still refuse to fix or settle this issue as requested. In fact, they attempted to use this issue as a way to hold this over my head in order to get me to pay on a credit card bill that is also in dispute with this same organization, which is totally unrelated to this account. I want this false entry removed from Chex Systems permanently.
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at thXXXX XXXX Experian and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. )  XXXX XXXX, account number XXXX ; 3. )  XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. ) XXXX XXXX XXXX, account number XXXX ; 8. ) XXXX XXXX account number XXXX ; 9. ) XXXX XXXX, account number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting to remove XXXX XXXX account from my Equifax report. The reason is some body open that account instead of me and used it. I did not know about existence of this account. I did know about lateness also. Right know this account was closed by credit grantor. Please remove it as soon as you can because it is not mine and never belong to me.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX