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

I sent letters to all three credit bureaus stating that the inquires did not belong to me and I did not authorize them at all. These letters were sent out XX/XX/2021 and I have yet to receive a response and when I call customer support they say that they cant remove it without me filing through you all.
Product: Credit card

I have always guaranteed timely payments on this account, avoiding any overdue status. I'm not sure why there are mentions of late payments on my accounts. According to 15 USC 1666b, billing errors need to be rectified.
Product: Credit card

I completed a balance transfer with Chase on my XXXX Chase card. The amount was to be interest free for the period. I would regularly use the card to make purchases beyond that transfer amount, and upon receiving a billing statement, would overpay to account for the charges where interest would be applicable, plus the minimum due to account for the balance transfer. Despite these overpayments, Chase is charging interest on the purchases, despite their cost being more than covered by each payment. For example, I made {$200.00} in purchases in XXXX, had a 0 % balance of around {$9000.00}, and made a {$500.00} payment to account for all charges and minimums to pay down. There were no additional charges on the account, so I effectively paid off the interest-bearing piece of the statement plus {$300.00} additional. They charged me {$36.00} in interest anyway. I have XXXX other credit cards and none do this. Their language is deliberately vague and does NOT state that this is the case, but claim that one phrase about there being ANY balance on the card, 0 % or not, means they charge interest on any and all purchases regardless of whether they 're paid off each period. I ended up paying the card off in order to cut all ties with Chase but they 've collected hundreds in interest from me despite all efforts to pay off what was owed.
Product: Mortgage

I bought a house with FHA Loan through Nationstar after President Obama lowered the Mortgage Insurance Premium as of XXXX XXXX. I have made a couple payments at {$1800.00} with the MI of {$170.00} & taxes/insurance included because its mandatory to have an escrow account with a FHA Loan. Nationstar just raised my payment to {$2000.00} and they are stating there system shows mortgage insurance is supposed to be around {$290.00} a month, and the escrow accounts short. I have several calls into them and they are saying oh well the next analysis is n't for another year. I 'm being over charged now for mortgage insurance at which I signed HUD/FHA of MI payments at {$170.00} and paid {$4700.00} up front and not {$290.00}. Why are they still stuck on the MI rate when it was lowered by the US President XXXX months ago.
Product: Mortgage

Ditech bought my mortgage a few years ago. Since then I have had frequent problems with them. The most common problem is where they send two bills in a month. I have called them about this several times. They say it's an error and to ignore the second bill. This month, for the payment due XX/XX/18, I sent a check to them ( # XXXX ) on XX/XX/18 for the amount in full ( {$680.00} ). This check cleared with my bank ( XXXX XXXX  ) on XX/XX/18. About two weeks ago I get a second bill as had happened many times before. Based on what they had told me, I ignored the bill after looking online to make sure that they had actually cashed my XX/XX/18 payment. I received a letter today stating that they had not received my XX/XX/18 mortgage payment and that they were assessing a late fee of {$34.00}. I am tired of struggling with their ineffective customer service. I am also starting to wonder if their double billing is not an accident, but in fact an unfair business practice designed to dupe customers into paying late fees. Please help me to resolve this issue so that others do not also have similar problems.
Product: Checking or savings account

On or around XXXX XXXX I deposited {$360.00} into the ATM at chase bank located XXXX XXXX. The terminal then gave me a receipt that told me to call an XXXX number to ensure my money was received. I have never got this type of receipt before. I called the number and told them what happened because my money didnt post to my account. I gave them the terminal number ( XXXX ) and all the other numbers that was asked of me. They gave me a provisional deposit so everything was good. Today I noticed a reversal on my account of the {$360.00}. I called chase to see what happened and I was told that their investigation found I didnt make a deposit. The clerk told me theres nothing I can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had my identity stolen and the people who had my information tried to open this account. Now it is a hard inquiry on my credit and I need it removed. I never applied for this and I called all credit bureaus to freeze all of my accounts.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

Contacted Comenity Bank Sony Visa card to get information on which card made which transactions on the account. First each of the customer service team and back end team said that it is avialble online ; which is not. When asked to provide step by step instructions. Their only solution was tell few of them transactions and will let you which card made the purchase. They refused to provide any insights on when and how they can provide it for all transactions. Second, they were trying to lie me that no other cards does. All other card XXXX XXXX, XXXX provide this information clearly on the statment. When requested escalation to Supervisor, she was very rude and behaved as if every information they are providing is going above and beyond and doing a favor to the customer. She refused to further talk to me when asking how fair for a card not to provide information grouped by which card made the purchases. She did not care even when I said it becomes hard to find go through transactions to find any fraudulent charges. Basic information of if there are multiple cards on a account, they are refusing to provide information on which card made which transactions.
Product: Credit reporting 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 XXXX USC XXXX. 

XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, has violated my rights. 

I looked at my TRANSUNION Credit Report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the fair crediting reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( e ) ( b ). 

According to XXXX USC XXXXi 5 they are supposed to do this treatment of inaccurate or unverifiable information. 

After any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer. 

XXXX USC XXXX states that they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have any reason to believe that the information is inaccurate. 

Last but not least, according to XXXX USC XXXX they also violated my rights for unlawful communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, at XXXX, -in an effort to repair my " credit rating '' and to try to get a " debt consolidation loan '', I went to a ( so called ) free credit repair agency ( for 30 days ) - the " Experian '' -Credit Reporting Agency and filled out a form disclosing my social security number, home address, phone number, bank name and other personal information. After it was all completed and I submitted to paying {$19.00} per month, I eagerly waited for the credit score and referral but unfortunately I got absolutely nothing! -No score,  no referral, nothing and I tried to call them back at both phone numbers listed but was hung up on after hearing a recording. Should I write them to terminate the impending charges that occurs in one month? I don't trust https : //www.experian.com!

To the best of my knowledge this is a scam and now they have all of my vital information. It is my belief that consumers should be forewarned about their risky business practices online and I feel violated. 
Thank you for your time and kindly advise me how to terminate this online contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my ssn is coming up with someone else background check. Ive never been charged with any of these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Bankruptcy : Bankruptcy Acct # XXXX and XXXX XXXX XXXX XXXX has violated my rights. 

15 usc 1681, section 602 A states I have a right to privacy 15 usc 1681, section 602 A, section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/16 my Wife and I purchased through XXXX XXXX online an XXXX XXXX XXXX XXXX XXXX for {$740.00} for our home using a combo of our own money, XXXX XXXX Gift Cards and {$520.00} XXXX XXXX " Loyalty Rewards '' Certificate we had previously accrued by purchasing thousand of dollars in XXXX XXXX Dining Room furniture. The dining room furniture was quite expensive, but the sales person stated we would be able to accrue {$520.00} in XXXX XXXX Loyalty Rewards, which sealed the deal. At no time were limitations disclosed on the Loyalty Rewards Program. After we received the Chandelier we realized it was too large for our dining room and returned it to the XXXX XXXX in XXXX XXXX, Ct. The staff said since our purchase was online the full credit due of {$740.00} could not be issued on-site the product would have to be returned and we would get a XXXX XXXX Store Card Credit for that amount of {$740.00}. This never occurred and Customer Service stated today to our shock we " forfeited '' our {$520.00} " Loyalty Rewards '' by returning the Chandelier and only refunded the difference of {$220.00}. All of this was NEVER disclosed to my Wife and I by our in-store sales person, where we accrued the " loyalty rewards '' by purchasing the XXXX XXXX Dining Room set, or by the online live customer service representative when we purchased the Chandelier on XX/XX/16.
Product: Credit reporting or other personal consumer reports

My account with ( EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX 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.

EXPERIAN 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 or other personal consumer reports

XX/XX/XXXXXX/XX/year>
Product: Checking or savings account

My cash app account was hacked and sent out two payments. One for XXXX and another for XXXX that cash app will not refund to me
Product: Debt collection

My medical insurance reversed a bunch of payments saying that I had other health insurance which wasn't the case. I notified XXXX, the original creditor what had happened and they were supposed to resubmit the claim to tricare for processing. They never did, even though I called XXXX XXXX billing department on 12 different occasions. Recently XXXX turned over the debt to Medicredit for collection. Rather than contacting me about the debt to be disputed they went and placed it on my credit report. 

I contacted medicredit to dispute the claim and they sent me back a letter saying that I was wrong and the debt was write which is a failure to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX CARD partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Product: Mortgage

XXXX XXXX responded to my prior complaint, case XXXX, at the start of XXXX ( having maxed out the 60-day response window with CFPB ) resulting in the complaint being closed. However, they have not resolved the recasting of my loan whatsoever, despite being in receipt of all requested notarized documents timely. The referenced Single Point of Contact chooses not to respond to requests on when this will be completed. All my recent emails go unanswered by him and his superior selectively responds to some messages without any basic customer service etiquette nor evidencing any concrete progress. 
This matter of recasting, delayed due to errors by XXXX XXXX disclosed in the response letter to my initial complaint, continues to be outstanding. 

In addition and new to the context of my complaint to CFPB, XXXX XXXX have unapplied funds paid to them timely in order to complete the recast ( still pending ). This resulted in my account being shifting into an overdue status. I contacted them to ensure this would not happen - needless to say, XXXX subsequently reported this overdue status, entirely of their own doing through their process of recasting, to the credit bureaus. My excellent credit score on XXXX and XXXX reports has now been demoted to Fair status due to this error on my credit score. In alerting my Single Point of XXXX to this, I received no apology or understanding, but rather his manager messaged that it would be fixed after recasting. Any expectation of basic courtesy and customer service aside ( as it has become clear that XXXX XXXX do not excel in this field from my entire experience with them ), I have absolutely no confidence that this will be remedied quickly and completely, with XXXX taking whole responsibility to remove erroneous reporting from my credit score and return my standing to Excellent with all respective credit bureaus. Indeed, I am now disadvantaged from securing credit I urgently require due to their error and there is no adequate response from them in remedying this quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I had a XXXX, XXXX, XXXX, was stolen and a police report was generated. After going back and forward with Capital One Finance regarding the payoff balance and GAP insurance. In XXXX, the vehicle was officially paid off and I notified by Cap One that the lien was paid in-full but recently I pulled my credit report and noticed that the lien was reported as a repossession even though CAP One sent letters indicating that the lien was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered several fraudulent and inaccurate accounts on my consumer credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has created XXXX files under my name and they are not showing the correct information on my credit report. Despite calling them various times, sending them the documents nobody has taken an action to correct the issue. I was advised by Transunion to contact my creditors directly. However, when I contact my creditors all of them advised me that they have provided all the information to Transunion. Now, this issue is with Transunion to correct my file and merge into XXXX since all the creditors have been correctly reporting.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security # XXXX XXXX : XX/XX/XXXX XXXX NCB Management Servicers , Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons. 


Thank you for your cooperation in this matter. 

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

I have contacted XXXX, Transunion, and XXXX regarding the exaggerated drop in my credit score as fraudulent. They continually drop my credit score drastically even if I pay off my balances, and due to the fact that " ONE '' credit card balance is over the limit they disregard other factors of my credit worthiness such as exceptional payment history. Balances are always incorrect by 2-3 months greatly affecting my credit worthiness over and over again. 

They are currently using a formula that fraudulently basis a consumers credit worthiness because of " one '' account over-the-limit, or over 50 % and disregarding monthly paid balances.
Product: Debt collection

To Whom it may Concern : XXXX XXXX XXXX XXXX has posted a account to my credit report that has been reported as XXXX XXXX XXXX XXXX in the amount of {$710.00} on account XXXX. This attempt at EXTORTION and DEFAMATION is a bad business practice. I sent of a copy of my police report for Identity theft to all 3 major credit bureaus and XXXX XXXX thru XXXX XXXX via XXXX XXXX  for account # XXXX for {$710.00}, which was closed and removed. So XXXX XXXX XXXX XXXX or XXXX XXXX sold that account to XXXX XXXX XXXX XXXX in a attempt to Extort money out of me for an account that was proven not mine. The account in question also reappeared on my credit report and did damage. There has to be something illegal about what XXXX XXXX XXXX XXXX XXXX XXXX XXXX is doing. They figured if they had {$1.00} no one would notice their TREACHERY, This account needs to be removed ASAP before it does anymore damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is not fairly reported. I never spent money on a XXXX card, I never made a payment to XXXX. I never spent money on a XXXX card I never made a payment to XXXX. Someone else is transacting with my social security number, opening credit cards using them and making payments. The credit score is a combination of others and the debt I am responsible for. I have filed disputes through experian but nothing is being done. I pay all of my creditors on time and I should have a much better credit score. I want a new social security number as someone else has my information and is using it. I would like my credit score to be reset. To include date I would like to include today, someone has made an unauthorized payment on an unauthorized XXXX   card probably so they can get a limit increase and really ruin my credit score, please help!!!!!
Product: Debt collection

Back in the beginning of XXXX, I applied for a lease. It was to rent out a room and live with XXXX other roommates. At the time, that was the best living situation for myself. Not even a full month after applying and getting approvedXXXX XXXX XXXX XXXX I was already having problems with my XXXX, such as XXXX XXXX XXXX So i became XXXX XXXX. I let the apartment complex know, about XXXX months in advance, that I no longer could move, in the condition i was in. it also felt unfair to the roommates that a XXXX would be brought up in a space with no room. They told me I had to find someone to sublease my apartment and they would also help. I had multiple people apply to said apartment to take over my lease, which in return i didn't hear back from the apartment complex again. Not until later on in the year when i got a message saying it was sent to collections. I had went and disputed it and it was approved and taken off my credit. It then went back onto my credit about XXXX years later and it was disputed and taken off again. It's now back on for the third time and I'm getting frustrated. I had multiple people apply for that room and then never heard back from them again, making it out to be that the room had been occupied. When a room is subleased, it's not my responsibility anymore and I'm not responsible for the payments. If I didn't have complications with my XXXX, I would've been able to complete the lease. However, I was not in any state to be able to do so. I wasn't even able to make it to work due to these complications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters and called but I have not got a response. My credit report has inaccurate late payments which is damaging my credit score.