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

On XX/XX/2021 I mailed a letter requesting an investigation of questionable accounts listed on my credit report. I never received any results of an investigation and these unverified accounts are still listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was to be in no payment status ( deferment ) due to COVID-19 until XX/XX/2021 when amount that is owed on account what become due. In XX/XX/2021 when I called to make payment I was advised that the account is past due over 4 months. The creditor ( CHASE Credit Card ) is incorrectly and erroneously reporting the amount as past due when it should not be and was in fact placed on deferment by CHASE during the COVID-19 Pandemic. I contacted the company multiple time in XX/XX/2021 to request that the incorrect and erroneous credit information be immediately removed from my credit report and the bank does not complete an investigation to resolve this matter. Instead I am told within a few minutes on the phone that they determine that the information reporting is correct. Furthermore they did not provide the results and reasons for their decision in writing or properly escalate or investigate the matter. They are a predatory company that does not care about their customers and the fact they refuse to correct the information is unconscionable.
Product: Credit reporting, credit repair services, or other personal consumer reports

After an internal investigation, XXXX XXXX XXXX concluded I was indeed a victim of opportunistic identity fraud and requested this fraudulent line of credit be removed. Correspondence was sent from XXXX to XXXX and Equifax requesting the removal of this trade and all things associated with it which includes those inquiries. I myself have also submitted documents and still it remains.
Product: Debt collection

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The RADIUS GLOBAL SOLUTION XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


RADIUS GLOBAL SOLUTION XXXX
Product: Mortgage

On XXXX/XXXX/XXXX, I made a normal payment of the due amount ( {$1000.00} ) for the XXXX/XXXX/XXXX due date. 
On XXXX/XXXX/XXXX, I was sent an escrow account statement showing an escrow shortage and a new monthly payment increase to cover the shortage of {$1200.00}, effective XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, I made a payment of {$1100.00} to NationStar Mortgage for the XXXX/XXXX/XXXX payment due date, forgetting that it had increased. Rather than notify me that the payment was {$110.00} short, NationStar unilaterally applied the {$1100.00} to principle and made no notification. This is apparently the normal business practice for NationStar. 
On XXXX/XXXX/XXXX, I made a payment of {$1100.00} to NationStar for the XXXX/XXXX/XXXX due date, again forgetting the amount had increased, and having not received any messaging about an issue with the XXXX/XXXX/XXXX payment. In this instance, the {$1100.00} was held in suspense and not applied to anything. 
On XXXX/XXXX/XXXX, I received a letter stating my loan was past due and I owed {$1300.00}. On this day, I called NationStar and discussed the issue with a loan specialist. After discussing issue and chain of events, the loan specialist reversed the {$1100.00} payment from XXXX/XXXX/XXXX, applying it to the XXXX/XXXX/XXXX payment and unsuspended the XXXX/XXXX/XXXX payment applying it to XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and then I paid the missing amount of {$230.00}. During that call, I discussed the issue of credit reporting that I was delinquent, when I did in fact make a good faith payment, even though it was short. The loan specialist and his supervisor made the statements that they could do nothing about it and it would be reported to the credit bureau 's. In fact, they reported a delinquency to the credit bureau 's, effectively dropping my credit rating significantly. 
My complaint is two-fold : First, NationStar unilaterally applied an {$1100.00} payment to principle without notification, when it was clearly short. I should have been notified or consulted. 
Then on XXXX/XXXX/XXXX, instead of applying the incorrect {$1100.00} payment to the loan, it was put in suspense, again unilaterally, with a notification made by letter 11 days later. 
If the XXXX and XXXX payments had been applied to the loan payments, {$1100.00} for XXXX and {$1100.00} on XXXX, the XXXX/XXXX/XXXX payment would have been covered and I would not have been over 30 days late. 
While the incorrect payment was certainly my mistake, I clearly made good faith efforts to make payments, on time, to NationStar. I also have no history of late payments, much less a delinquency. The damage this has done to my credit could have been avoided and seems unfair. I am seeking to have the delinquency removed. If the company would have communicated more effectively and had applied the payments I did make to my benefit, rather than theirs, my credit would still be intact.
Product: Credit card or prepaid card

I have a line of credit, /credit card with Wells Fargo . I lost my credit card XX/XX/2023. I called to speak to a customer service representative to report the card lost. I spoke with a representative to review a list of charges before sending me a new card. I lost my card XX/XX/XXXX. When the representation/customer service went to review the summary of charges, they found that for {$3300.00} from XXXX XXXXXXXX XXXX XXXXXXXX was charged on my card which I did not authorize on XX/XX/2023. ( Several days after it was noted that my card was lost which was XX/XX/2023. Wells Fargo initially went through with my fraud claim, but later rejected it. This is the first time I seen a XXXX XXXX XXXX XXXX charge with my Wells Fargo account. I have never made CC charges with the XXXX XXXX XXXX XXXX merchant in the past. The unauthorized fraud charge of {$3300.00} from XXXX XXXX XXXX XXXX is still on my Wells Fargo CC account.
Product: Debt collection

In XXXX of 2014 I pulled a copy of my credit report and noticed a collection for {$1000.00} reporting with a company called XXXX XXXX XXXX. Because I had no clue as to where this account came from or who they were, I requested documentation to validate the account was mine. XXXX XXXX was unable to do so and they sent me a letter deleting the account from all XXXX credit bureaus. Nowhere in this letter does it say they sold the account to a different collection agency nor did I ever receive any communication whatsoever from Capio Partners giving me 30 days to dispute the validity of the debt per the law. I called them on XXXX XXXX and spoke to XXXX of Capio Partners representatives and asked if they had ever sent anything to me in the mail and they stated they had not. They also never sent anything following that phone call since it was the first point of contact they are given 5 days to send a letter regarding the collection account giving me 30 days to dispute the validity. Instead I sent them a letter requesting validation and besides the fact that they never notified me of them obtaining this debt, they have an itemized statements of my supposed medical records but do n't have a HIPPA release with my signature nor a promise to pay with my signature. This is extremely fishy to me and the fact that they did n't follow the laws from the beginning means this debt is illegally reporting on my credit report.
Product: Prepaid card

My state of Utah gov't unemployment benefits were direct deposited to the US Bank RELIA CARD . ( which is the card/acct they offer by default ). 
I called them and asked to have a card sent to me because I never got a card from them when I was initially signed up to that card service by the state of Utah. 
They over-nighted the card to me for {$15.00} and deducted the money from my balance which was just under {$2600.00}. ( {$310.00} per week for 8 weeks of back pay Utah owed me while they verified my identity ). I got my card in the mail UPS two days later and went to activate the new card and I kept getting denied on the activation process, so I called the number on the back of the card, and I was told my account has been closed for some period of time. And they refused to give me any other information at all other than I need to contact the F.U.I.. ( AND THEN THEY HUNG UP THE PHONE ) and everytime I go to call them they just hang up on me immediately once I identify myself to them. So now I don't know who the F.U.I. company is or anything that I need to do to move forward on this to get my money back.
Product: Vehicle loan or lease

Can you assist with two issues? 

LOAN ISSUE : In XX/XX/XXXX, I purchased a 2021 BMW X7 car from BMW of XXXXXXXX XXXX NJ and financed it through BMW Financial. 

In XX/XX/XXXX, the car broke down due to a pre-existing defect with the car that the dealership failed to disclose to me. 

The car was in the BMW service center for over a month and a half ( XXXX XXXX ), as they could not fix it. 

Finally, in XXXX, the dealership provided me with a new car, although we had to pay the cost difference. 

From XXXX XXXX, XXXX to mid XX/XX/XXXX, when I got the replacement, I continued to make payments on my loan. I was also initially not provided with a loaner, but then eventually provided with a smaller loaner but not allowed to drive more than certain miles per day. 

So in effect, for a month and a half, I continued to to pay for a car that I no longer had access to because it was sold to me with a defect. I called BMW and they refused to waive or assist with the that period. 

I don't think that it is right that I had to pay a month and a half for a product that I did not have access. 

ROLLOVER EQUITY ISSUE Second, when they gave me the new car, they did not carry over all of the payments I made to the old, defective car to the new car. In effect, they wiped those old payments clean as if I never made them. I did not get credit in any way from those old payments to BMW Financial. 

This doesn't make sense- they sold me a defective car and should give me a replacement vehicle, but effectively what they did was sold me a defective car and as a " remedy, '' allowed me the privilege of buying yet another car with no credit for any of the prior payments.
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 XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX : XXXX, has violated my rights 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, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On today 's date XX/XX/XXXX, I called my credit card company to see why my card was being declined every time I used it. They advised me they input my address wrong and when they issued me a new card, NOT at my request, they sent the card to an undeliverable address. So the card was sent back and they deactivated the card I currently hold in my possession. When I asked them to reactivate the card I have they told me they could not and that I would have to wait 7-10 business days to receive the new card that I NEVER asked for. The card I currently hold does not expire until XX/XX/XXXX. I asked to speak to a supervisor regarding this. After speaking to the supervisor, whose name I regrettably did not ask for, I requested to speak to her supervisor. While waiting for that supervisor they disconnected the line on me.
Product: Mortgage

I have been trying to get CitiFinancial to provide my XXXX breakdown of the closing disclosure for {$100000.00} which I believe to be a revision of XXXX closing disclosure for {$110000.00}. Last conversation I had with them is because we are no longer with them and because it is such a long time ago they do not have to look any further because the files can not be located which does not make sense. Why is it that they are able to retrieve XXXX breakdown but not XXXX breakdown. Please help or direct me to anyone that can help with this matter. 

Thanks in advance
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 15 USC 1681. 
**See Attachment, I have several accounts about 30 they are highlighted in Yellow has violated my rights. 

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. 

***I am not able to get a job in my career field or even buy a home for me and my kids. I am not able to assist my XXXX XXXX due to lack of income because of my identity fraud. This is hurting my life and my kids. I am a XXXX XXXX and trying to live. Please remove this false negative information. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. My name is XXXX XXXX. 
A few months ago our property management " XXXX XXXX '' decided to report our rental payments to credit bureaus, which I never signed up for and that clause was never on our lease in the first place. 
My roommate XXXX. hasn't paid rent for XXXX months, and for some reason this affected MY credit score.We are not a family with XXXX, I am not her guarantor, we have got all our names of the lease separately, all of us had undergone separate credit check upon moving it, and now management is making me accountable for her late payments? Management chose her and approved her when she moved in, I have nothing to do with it. 
Also, they NEVER informed us late payments would affect credit score of everyone living in the apartment. 

I always pay on time, ALWAYS. I've built a perfect credit score of about 750. Now it went down by 90 points because of that. This is an absolute absurd and technically my personal data infringement. Ive been meticulously building my credit score, Ive put real hard work in it. This error should be taken off from my credit report because its not associated with me in any way. 

I'm attaching evidence our rent payments for the past few months from which you can see I have always paid on time. 

Please assist. 

Property management contact details : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX P. XXXX F XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 I accessed my personal credit report on Equifax website ( will attach screenshot ) at that time I no negative items showing because they have all been removed for one reason or another. On XX/XX/XXXX 2 accounts were added back with out a 5 day notice by the FCRA standards that one of Equifax valued employees saying do n't exist. I called spoke with a young lady and resolved my issues with no problem by removing them. On XX/XX/XXXX I went to XX/XX/XXXX and the rep informed me that I have a charge off and collection on my credit report. I immediately contacted Equifax where the rep stated its nothing she can do and there is no such thing as FCRA 5 day notice. I immediately told her that 's not true and began to state facts to her where we still didnt get a resolution. I need the negative information from my credit file immediately. The accounts are XXXX XXXX and XXXX XXXX XXXX. I am very angry that Equifax has yet broken the law again by doing this and then you get rude employees that do n't know the law. I am attaching the information below and expect immediate results. The files i uploaded are proof that those accounts were not on there and had been removed
Product: Credit reporting or other personal consumer reports

These Credit Reporting Agencies XXXX, Equifax, XXXX, Has Placed Inaccurate Information On My Consumer Report. I Pursuant To The Fair Credit Reporting Act ( FCRA ), This Is A Violation To My Rights As A Consumer. Please See Attachments!!!
Product: Credit reporting

I have responded several times to try and get Equifax to remove several inquiries that are not mine since last year and have yet to receive any response at all. I also asked to be removed from monthly credit monitoring and am not sure this has been done as of yet. 

I should have XXXX inquires on my credit report yet all these are listed XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX : XXXX Show Details XX/XX/XXXX XXXX : :XXXX Show Details XX/XX/XXXX XXXX : :XXXX Show Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX I wish to have them removed and stop billing me for monthly services. 

XXXX XXXX XXXX XXXX nc XXXX XXXX
Product: Mortgage

I closed on the sale of my home on XX/XX/XXXX. I have not received my funds from the sale because XXXX XXXX XXXX is refusing to release the Lien and Title until XX/XX/XXXX. I spoke with XXXX XXXX  on XX/XX/XXXX and was told that they had received the payoff check on same date. As per conversation with them on XX/XX/XXXX and XX/XX/XXXX. The Realtor has her commission. The purchaser has her house. 21st Mortgage Corp has the entire payoff for the house. And I have no home, no money and am on the verge of being homeless effective XX/XX/XXXX. There appears to be something very wrong with this picture. I NEED HELP NOW before I resort to having to live on the street. I am being placed in this situation because 21st Mortgage Corp is holding the Title and Lien for my home hostage until XX/XX/XXXX.
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 15 USC 1681. 
XXXX XXXX  has violated my rights. 
I looked at my XXXX credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit 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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit ReportinXXXX Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$21000.00} from Addition Financial Consumer listed on my XXXX report, and following a thorough investigation, XXXX has XXXX removed this unverifiable debt from my report as of XX/XX/XXXX XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since Innovis has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

Set a mailer with a promo code to earn {$100.00} statement credit in 1 to 2 billing periods after you open the account and make a purchase. Over 20 purchases have been made and its been 5 billing periods. Called to try to resolve and claim they can't even though they agree the terms were met. This is blatant false advertising and failure to honor legally binding terms and conditions of acceptance of a credit offer.