23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home received damages on XXXX/XXXX/16 ) The insurance company sent a check ( {$3500.00} ) made payable to me and the Nationstar. I sent the required documents to the mortgage company. Nationstar sent a check in the amount of {$880.00}, which does not cover the cost of materials. On XXXX XXXX, 2016, I requested additional monies ( {$660.00} ) that is needed to purchase the remaining floor materials. Total cost of the floor materials is {$1500.00}. On XXXX XXXX, 2016, my insurance company contacted Nationstar. Nationstar told the insurance adjuster the forms sent on XXXX XXXX, 2016 will be reviewed by XXXX XXXX, 2016. On XXXX XXXX, 2016, I called and was told that additional information was needed.I had to redo the entire packet. I stated that I was not. I faxed the document to them. I was told by Nationstar to buy the materials. I told them that my insurance company stated that I should not purchase any materials because that 's the purpose of the insurance check. I informed Nationstar that if additional information was needed, I was not contacted via mail nor phone. I have been calling weekly, I have requested to talk with the Dept. Head on numerous times to no avail. I have requested a telephone number to corporate office ; I was told there is no number. Also, Nationstar states that I have to pay for the inspections that they are requesting. I have asked for a copy of the policy stating this ; I have yet to receive it. Nationstar has been giving the the run-around for weeks. Thank you in advance for your help in resolving this matter. I have a loan modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and the creditor, Capital One has not updated my information nor provided proof or documentation in regards to late payment. Capital One has not supplied this information and they must delete alleged payments on my credit report. Under Federal Law, they have 30 days to complete investigation. By failing to do so the items must be deleted as soon as possible. 

In XXXX around the first of the month. I wanted to make payment and was denied by Capital One 's new payment system and Capital One representatives. I was told to call back on XXXX XXXX to make a payment because there was no way for their system to take my payment because it is now outsourced to a third party. You can not pay when you want but when the days are best for their system? This is unfair and deceptive practices by Capital One taking advantage of people. 

Capital One is aware that someone is using my personal information for a bank account, that is not mine. There has been no communication or solution to someone fraudulently using my information and banking with Capital One.
Product: Credit reporting or other personal consumer reports

they refuse to block fraud accounts by law TransUnion replied to a XXXX that they are still working on a case this is not true I called and they have no record
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY EXAMINED MY CONSUMER REPORT AND IDENTIFIED SOME UNAUTHORIZED INQUIRIES : EQUIFAX : Regarding the unauthorized inquiry from XXXX on XX/XX/2023, I demand immediate and decisive action to rectify this oversight. This includes conducting a thorough investigation into the unauthorized inquiries, promptly removing them from my credit report, and implementing robust measures to prevent similar incidents in the future XXXX Regarding the unauthorized inquiry from XXXX on XX/XX/2023, I demand immediate and decisive action to rectify this oversight. This includes conducting a thorough investigation into the unauthorized inquiries, promptly removing them from my credit report, and implementing robust measures to prevent similar incidents in the future
Product: Debt collection

Debit collector : Credit Acceptance Corp. 
XX/XX/2019 is when this account was opened without my knowledge. I do have an identity theft fraud report. was not aware of this account need help disputing this off my report. in the amount of XXXX dollars. the address for this account is not associated with me or the phone number
Product: Mortgage

Bank of America gave me trial modification and said I qualify for this plan but later they changed their decision!!! 

Despite my numerous attempts and requests to Bank of America, they still refuse to clarify why they are not finalizing my third trial loan modification.They also failed to call me back despite many messages that I have left them. 
Their excuses for denying completion of my modification is very unreasonable. They gave me trail modification but refuse to make it permanent!!! 

In their letters dated XXXX XXXX, XXXX and also XXXX XXXX, XXXX, Bank of America confirms they have received the form XXXX from me to obtain the tax records from IRS. They should have no problem obtaining these records, as I have filed all my tax returns for the years in question ( XXXX and XXXX ). I have provided all tax records for all previous years to B of A. 
Bank of America keeps repeating the same unreasonable excuses in order not to finalize my trail modification!!! 
They claim that in XXXX they could not obtain my taxes from IRS. This could be due to many potential factors such as : IRS mistakes, miscommunications, etc. 
Fact of the matter is that I have these returns and they have been provided. I can provide it again if needed. 
It is very unfair that the lender has issued XXXX trail modification which proves I am qualified for this program, but they refuse to issue the final modification. 
Bank of America is giving responses that are full of contradictions and false background information. They claim tax returns were missing then but they have them now! If the tax documents are available to Bank of America, then there is nothing missing now. They need to stop this nonsense of a vicious cycle of mixing a file from XXXX with another file from XXXX. 
They say I qualified for modification in XXXX but because of previous questions of the XXXX file, they are refusing my final modification! 
This is total nonsense and very unfair! They can help me save my home, yet they insist on not helping me! 
Bank of America in its letter says XXXX XXXX is the contact person, but he has not responded to any of my XXXX messages!!!! This behavior of B of A is very unfair and even shameful to treat me and my family in this reasonable manner. Who should I talk to about this matter?
Product: Checking or savings account

I recently contacted Chase Bank regarding an unauthorized charge of {$130.00} from XXXX on my account. Upon noticing this charge, I visited the XXXX website to investigate further. I discovered that my card information was indeed listed on the site, though I am uncertain how long it had been there. In an attempt to prevent any future unauthorized charges, I tried to remove my card information and was advised to close the store. 

However, approximately one to two weeks later, I was charged an additional {$130.00}. When I disputed these charges with Chase, my claim was denied on the basis that my information matched with XXXX. 

I would like to emphasize that I have never conducted any transactions, sold any products, or engaged in any business activities with XXXX. Consequently, I should not be held responsible for these charges for a service I do not use. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 US. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? I have attached some documents that you can clearly see what I'm talking about. incorrect dates and amounts. 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure. 
ACCOUNT NAME ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to provide Experian with documents related to a trade line on my credit report. The trade line is an account with XXXX and contains inaccurate derogatory information. 

Experian has not provided me with a method to upload my supporting documentation and has repeatedly denied my dispute with verifying the account with XXXX. 

I request that Experien use my supporting documentation and also verify the trade with XXXX. Other CRA are doing this and have removed the inaccurate information. 

Lastly I spoke with an Experian representative who gave the name XXXX only on XX/XX/2020 at XXXX XXXX. XXXX was not professional and was aggressive in his manner dealing with me. He refused to provide a reasonable method for me to upload documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # ( XXXX ) : XXXX, XXXX, has violated my rights. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. states that I have a right to privacy. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This company called my grandmother ( who lives in XXXX XXXX ) regarding my debt and told her that there was legal action against me. they would not disclose their name to her. When I called the number back ( XXXX ) to ask them to not contact her, they told me that they are called Niagra Capital and that they have a legal case against me. they would not disclose the original debt or why they are calling me r my grandmother, who has no connection to my finances.
Product: Credit card or prepaid card

Got her report on my credit score telling me someone in Alabama has opened up a credit card using my social security number
Product: Credit reporting or other personal consumer reports

I am writing regarding a credit inquiry on my report from XX/XX/year>. I want to be very clear that I have no knowledge of this inquiry, nor did I provide any authorization for your company to pull my credit. As such, I believe this to be a fraudulent and unauthorized inquiry.
Product: Checking or savings account

Went to  XXXX  ATMs to make a cash deposit but it says it was unavailable. Made a transfer online as a last resort yest, yet got hit with a {$35.00} overdraft. This is definitely a sca m, Wells Fargo  finds a way to charge {$35.00} even when deposit is made the same day but they change the date to make it post next day.  Wells Fargo  does n't give you advance notice so you can cover your account before you get hit with the {$35.00}. They do whatever it takes to overwidraw your account including removing pending transactions and posting them once your account is under the pending amount without a notice to cover it that day. I posted examples on social media and I will post some more very soon
Product: Debt collection

XX/XX/2017 called in several times to speak with someone to find the total amount due. No answer. On XX/XX/2017 called again to make arrangements and they failed to take any arrangements except full payment. afterwards no response from collection company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off during the pandemic due to a severe injury. I had 3 surgeries to repair in a 4 month period. I was unemployed for 30 days before being rehired. During that time I was eligible for XXXX but unable to pay the {$600.00} premium. The account was sent to CREDITORS BUREAU ASSOCIATES in XXXX, GA. I explained that there was an extension to pay the premium for XXXX eligible individuals to CBA and they removed the report. I have been openly communicating with them while waiting for XXXX to approve the extension. This extension allowance was authorized for the pandemic period only. I was not contacted before they re-applied the collection to my credit on XX/XX/2022 almost a YEAR later. I contacted XXXX to ask them to escalate my request for an extension which they did. I received an email from XXXX stating that my extension request was APPROVED and they would process the documents and payment. This will allow the claim for my 3rd surgery to be covered by XXXX ( Over {$5000.00} ) .I then emailed the extension approval to CREDITORS BUREAU ASSOCIATES but the representative said that XXXX would have to call them directly to advise them that the extension had been approved. I sent written correspondence that stated the aforementioned information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Xperian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name My only social security number is XXXX My only correct date of birth is XX/XX/1993 My only employer is XXXX  XXXX XXXXXXXX XXXX XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX XXXX account. It shows a late payment on this account that is NOT correct. I have disputed this with the credit bureaus and also with XXXX XXXX directly. They claimed they investigated this and they are reporting correct information. There is NO way this is true. 
It was paid off and the last payment made was in XXXX of XXXX. I was told this on the phone with XXXX XXXX and then it shows this on my credit report. Some how they then claim I made a late payment 2 months after this account was paid off. This is impossible to have occurred. I tried to tell them this over the phone and they refused to speak with me about it over the phone. They said that I had to send a letter to their dispute center. I did so and explained there was no way this could have happened and it has STILL NOT BEEN CORRECTED. 
I tried to explain this to the credit bureaus and to XXXX XXXX and they have refused to change this and they have left me with no options to get this corrected. What they claim is not possible and I have no documentation to support this because there were NO PAYMENTS DUE after XXXX of XXXX. TransUnion accused me of being a liar, and that was supposedly a manager of TransUnion. 

I am very frustrated because this account is causing me great harm and has been for a while now. I want this account removed now! I would also like something to be put in place to help others in this situation. There needs to be an easier way to resolve these types of situations without having to file complaints to get someone to listen to you. I have spent hours of my time and money arguing this with them and this is COMMON SENSE! It is NOT Possible to have made a late payment 2 months after he account was paid off and the last payment was made. There is NO WAY ANYONE INVESTIGATED THIS because if they had, they too would have realized this is a false claim.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX ) 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 XXXX XXXX to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( XXXX XXXX ) 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. 

( XXXXXXXX XXXX ) 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 card or prepaid card

Fraudulent charges were made on my Citibank account beginning XX/XX/XXXX after I took out a FREE trial with a company called XXXX on XX/XX/XXXX. They required a credit card, but I cancelled the next day and was never charged for the trial membership. I never made a single charge to XXXX other than the trial membership fee which was never actually charged to my Citibank credit card because I cancelled. However, someone used my credit card information to begin placing charges. Several went through unnoticed until the thief became bolder and began charging multiple amounts on the same day for the exact same amounts in XXXX. I reported these as soon as I realized it to Citibank in XXXX, XXXX, when 18 charges went thru on the same day for {$39.00}. I have been dealing with Citibank now for over a year and it has been a nightmare. At first they were very helpful and refunded the charges to me, but then began to charge them back to me. It became unbelievably complicated to sort through the multiple charges, refunds and charge backs. I have called over and over again and spent hours on the phone with multiple people trying to explain, some were helpful but most were extremely condescending to me, using the complicated process to try to convince me I didn't know what I was talking about. I had hope at one point when they sent me a stack of my own statements with a complicated color highlight system showing what had been charged, refunded and charged back, asking me to sort through them and send them back the charges that still needed to be refunded. I spent three days going through what they sent me and sorting it out into an easy ( as possible ) to understand spreadsheet. I sent them this spreadsheet on XX/XX/XXXX and have had no response. I have attached my written correspondence and the spreadsheet with this complaint. Please help me, XXXX also promised to get to the bottom of this but did nothing except apparently provide Citibank with some bogus information to say I made the charges. They are a phone service that charges a small monthly fee of {$19.00}, and no one can tell me what anyone could possibly purchase at this company with XXXX charges of {$39.00} + XXXX charges of {$26.00} for a total of {$1400.00}. I hate to report Citibank and fear repercussions, but I desperately need help to get them to refund me the remaining fraudulent charges of {$430.00} plus all the interest they continue to charge. I am reaching out to Consumer Finance as a last resort and praying you can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. -- -- - Experian : XXXX XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, US SM BUS ADMIN ODA
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : DEPTEDXXXX Account Number:XXXX Account Name : DEPTEDXXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I checked my credit report and was still stressed with it because there are still inaccurate accounts on my credit report. Please check the documents I've sent regarding this matter.
Product: Credit reporting or other personal consumer reports

Its show miss incorrect late payment you can see the picture where they miss up. I dont have no miss payment. This account this pay in full they need to remove this account or the miss payment. If the reinvestgation under paragraph1 of any information dispute by consusumer an item of the information is found to be inaccurate or incomplete or Cabot be verified the consumer report agency shall promptly delete that item of information from file of the consumer or modify of information as appropriate base on the the result of the reinvestigation and. The information is wrong it as paid and close on my account they need remove tricolor for my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report that I wanted off. Ive filed police report & mailed everything transunion told me to mail. STILL THERE. I would like all 8 removed immediately
Product: Vehicle loan or lease

Westlake Financial is the company I have the loan from and I recently found out that the loan term and the payments per month are not matching up. The total amount of the vehicle is {$19000.00} and on the first billing statement I received, it states my payments are {$520.00}, which I was told by the dealership was a 3 year ( XXXX ) term. Come to find out that it is actually a XXXX term ( 5 year ) with the payment at the same rate, which would add up to {$28000.00}. The vehicle has now been repossessed voluntarily because I didn't have the patience to deal with them.