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

The citizens account listed on my credit profile is a violation of my consumers rights. The account has conflicting date of last activity and date of last payment. This account is false and inaccurate. Please remove immediately. I have provided supporting documenting showing the inaccuracies of this account. Please remove immediately! I AM NOT A CREDIT REPAIR COMPANY.
Product: Credit card

I have been paying on " XXXX '' for several years, since I had the card. Now that I actually need the service I have been paying for for 4 years, XXXX says Synchrony Bank cancelled the product on my account and also charged me the same day. I DID NOT CANCEL THIS. I feel this is fraudulent business practices on XXXX of XXXX of these businesses.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, of collection account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, A collection account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX - purchased a mattress using promotional 12 months no interest. From XX/XX/XXXX to XX/XX/XXXX, I made additional payments XX/XX/XXXX times, ranging from {$5.00} to {$180.00} over the minimums due. Since I do paperless, I assume the additional was being applied to the promotional balance. On XX/XX/XXXX I notice that promotional balance was {$540.00}, so I went and download all statement for the promotional period. From XX/XX/XXXX to XX/XX/XXXX none of the additional was applied to my promotional. Only the XX/XX/XXXX and XX/XX/XXXX additional amounts were applied XXXX see below ). 

On XX/XX/XXXX I called and the first rep XXXX XXXX XXXX   said that " online system payment there is no way to indicate additional amount should be applied to promotional, that the customer needs to let them now to apply it. '' Nowhere on the website, statement or policy does it state that I have to inform billing that the additional payment should go to promotional balance. 

After 2 more calls, I was able to get a supervisor to apply the additional payment to the promotional balance, but only for the past 6 months. I had to pay {$270.00} instead of {$100.00} to avoid been charged {$220.00} in deferred interest. 

Citibank needs to automatically apply additional payments to the promotional balance and not require the consumer to have to contact customer service to do so. 

due paid over statement XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX applied promotional balance XXXX XX/XX/XXXX XXXX XXXX XXXX applied promotional balance XXXX
Product: Debt collection

Threaten to sue me for the balance from Wells Fargo. They called a year ago as well same thing. I called Wells Fargo and I do not have any debts through them that have not been settled satisfactory When I ask them to send me the information that I need to make sure I have not missed an account they hang up and after the third time they just answer and hang up immediately the number is XXXX XXXX XXXX XXXX. Mans name was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I call the credit bureaus to remove inquiries that are reporting on my report that wasnt authorized by myself. They advise me to call the individual companies that placed the inquiry on the report. So I did and the companies stated that they do not have any applications on file showing were I applied for there services.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPANY IS IN VIOLATION THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. 
XXXX XXXX XXXX .... Balance : -, XXXX XXXX  XXXX .... Balance : -, XXXX XXXX XXXX XXXX : {$6700.00}, XXXX XXXX XXXX XXXX : {$8300.00}, XXXX  XXXX XXXX .... Balance : {$950.00}, XXXX XXXX XXXX .... Balance : {$11000.00}, XXXX XXXX XXXXXXXX XXXX XXXX. Balance : {$1600.00}, XXXX XXXX XXXX  XXXX .... XXXX XXXX {$4200.00}, XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX : {$530.00}, XXXX  XXXX Balance : {$800.00}, XXXX XXXX XXXX... XXXX : {$3200.00}
Product: Vehicle loan or lease

I purchased a vehicle in XXXX and financed a car loan with Bridgecrest ( through XXXX ) I made every payment on time and in XX/XX/XXXX decided to sell the car back to them ( it was a second car ) XXXX picked up the vehicle on XX/XX/XXXX and I was assured they would pay the loan balance ( along with a cashiers check that I gave them for {$1800.00} which satisfied the difference due on the loan from their offer ). 
They encouraged me to make the XX/XX/XXXX payment on the loan, which I did, and explained that this overpayment would be quickly refunded to me within XXXX weeks. ( I was concerned that Bridgecrest would report the loan as delinquent if it went past the due date before they paid off Bridgecrest ). I received an email on XX/XX/XXXX from Bridgecrest that my loan was Paid in Full and closed but with no mention of my overpayment or refund. As of XX/XX/XXXX I have yet to receive the refund ( approx. {$420.00} ) and have contacted Bridgecrest 6 times. In addition, they have wiped out my loan account on their website so I can not check the status. Each time I call I am given a different excuse as to why they are holding onto my refund : It takes XXXX months for a refund, The refund was processed on XX/XX/XXXX, The refund was processed on XX/XX/XXXX, U.S. Mail can take 30-60 days to go from Arizona to New Jersey Out team is working on it - and on and on. A consumer law states that a car loan company has 7-10 business days to refund an overpayment on an account. Bridgecrest is not a reputable company and my money is being withheld from this shady company!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX* XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX michigan XXXX contact # : XXXX XXXX XXXX XXXX  on monday XX/XX/ 2014 i paid off LOAN. 
i was enrolled in auto-pay for years almost guaranteeing their money each month. 
I ( PAID-OFF ) loan sooner then what was due, but this company put on my credit report negative discrepancies. 
I PAID OFF MY CAR LOAN, PAID MY CAR PAYMENT, EVERY MONTH
Product: Credit reporting or other personal consumer reports

I reached an agreement with XXXX XXXX to settle an old, charged off credit card account. After accepting my payment of the full settlement amount they continue to falsely report the account as being delinquent and having an outstanding balance. I filed a dispute with Equifax and XXXX fraudulently claimed that the account was still delinquent and I owed them additional money
Product: Mortgage

Dear CFPB, On XX/XX/2022, my loan was transferred from XXXX XXXX to Selene Finance. On XXXX XXXX, I received in regular mail, and a certified copy of Notice Of Default and Intent For Acceleration.Selene has only had my loan for barely 3 months which I was not completely in the system. On XXXX XXXX, I contacted Selene and stated that I wanted to make payments online. 

I was told that I could not make payments online because I was not in the system, due to the transfer not completed. I made two payments on XXXX XXXX, please keep in mind that my due date was moved to the XXXX of every month and this request was granted by my previous lender XXXX XXXX, therefore I have a 15 day grace period from the XXXX to the XXXX to pay the mortgage. 

Selene Finance had generated a Notice Of Default and Intent For Acceleration for two months and escrow balance which is illegal.Mortgage lenders can exercise their right only generate a Notice Of Default and Intent For Acceleration for 3 months of unpaid mortgage, not escrow that no longer exist due to I canceled my escrow account with my previous lender XXXXXXXX XXXX. 

I am not delinquent on my taxes or my homeowners insurance.On XX/XX/2022, contacted Selene Finance and spoke to XXXX in customer service pertaining to the Notice Of Default. I asked XXXX about the Notice and was told my account is current and please disregard the notice.XXXX  also told me that the company can not file a Notice Of Default for an non escrow account and it was illegal. 

I was already knowledgeable about this, and requested to have the disregard letter in writing, but was told I would have to write a request letter for the disregard letter in writing instead of verbally told over the phone by her. I also ask her if Selene Financing has an Ombudsman department and I would like to be transferred there.XXXX stated to me yes, but I would still have to put it in writing.
Product: Debt collection

A collection was placed on my credit report about 2 months ago by Rent Recovery Solutions out of XXXX. They dated the open date as XXXX of XXXX. The original owner being XXXX XXXX in XXXX. On XXXX XX/XX/XXXX I was in an accident. Spent 42 days in a XXXX and a total of 105 days XXXX. At the time of the accident I had not even been living there for a month. I never returned to the apartment and was never notified of any debt. Additionally that was XXXX of XXXX and past the 3 year statute of limitations for the state of South Carolina.
Product: Credit reporting or other personal consumer reports

This is a violation of U.S. code 1681i ( 5 ) removal of inaccurate/invalidated credit information. Please remove all accounts listed below immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2.

Account name : XXXX  Secured loan Balance : {$810.00} ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX  Secured loan Balance : {$6200.00} ACCOUNT NUMBER : 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm went in to XXXX XXXX XXXX 's XX/XX/XXXXwith a credit score of XXXX. Paying my debts on time took my score to XXXX. XX/XX/XXXX my score went downstairs 74 points. My creditors are showing a good payment history on my credit report but they put it in negative status. XXXX XXXX, Barclay Credit Card , XXXX XXXX. XXXX XXXX XXXX has me owing XXXX dollars when I only XXXX dollars. I've been doing everything I can to satisfy my debts with my creditors and raise my credit score so I can purchase a home. I do not think it's right for them to put me in negative status since they agreed to the terms bye XXXX XXXX. They were in a positive status. Then all of a sudden it's negative.
Product: Money transfer, virtual currency, or money service

A friend recommended this salvage car dealers online to purchase a car from them. They have on thier website that they located in Florida, XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ). I purchased the car with them through a bank transfer ( {$9500.00} ) and after payment they are not answering my calls or responding to my chat. These people are hiding behind closed doors and scamming people. Lots of people have fallen a victim. They need to be investigated and arrested immediately. This is thier website XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I contact UNISA Inc. the loan servicer for XXXX XXXX XXXX of XXXX regarding my delinquent account. I had previously filed disputes with them asking for original account-level documentation however I never received this information. I recently attempted to get a mortgage loan, and UNISA Inc appeared on my credit report as delinquent. My potential mortgage provider said they require me to get this account addressed before they can offer me a mortgage loan. I contacted UNISA and they told me they could not assist me with credit reporting and I would need to contact the collection agency they assigned my account to called, XXXX XXXX XXXX. I contact XXXX XXXX XXXX and they said UNISA closed the account after only 30 days of the account getting assigned to them, however, I never received phone calls or letters stating the account was assigned to another institution. UNISA nor XXXX XXXX XXXX, never gave me the opportunity to dispute or ask for verification of this debt. 

In the same day, I contacted again UNISA explaining the situation and information I received from XXXX XXXX XXXX. I requested a Manager ( name I did not document ) this manager however was extremely rude and aggressive saying I can't take your word for it we will need to contact XXXX XXXX XXXX to re-open this account and I would have to pay the balance in full so they can assist me with my credit report. I asked if there is any assistance they can offer and she said no there is not. I let her know I would be filing a dispute as I see several state and federal violations here from UDAAP, FDCPA and FCRA in violation and she did not seem to care and said she would respond back to the CFPB accordingly. 

I'm asking for the CFPB to please assist me with this challenging issue as I'm in desperate need to obtain a mortgage loan, however these issues, violation of federal law and unprofessional service are making it quite difficult for me to successfully obtain a mortgage loan. I look forward to hearing from you. 

Best regards,
Product: Credit card

I do not recognize this account on my Credit Report. Please see the attached letter.
Product: Credit card

I had a credit card with CitiBank and moved to a new address a few years ago. Upon moving, I notified them three times to change my address and phone in the system, but they could and still have not gotten it right. They sent my bill to the wrong address then reported a 60 day late to the creditors without even trying to contact me. When I finally realized I owed them money, I paid the balance off in full since it was such a small amount and the guy told me they would take the late off. Three years later it is still on my credit reports despite my numerous calls, letters, emails, and attorney letters. I am now taking legal action and which is just more wasted time on my end and more money dealing with these guys.
Product: Credit card

Hello, Im making a complaint against Ally credit card services for their lack of providing me with a statement. In XX/XX/year> I received a message that they were taking over for OLLO credit card and I was prompted to create an online account. I have since not been able to get access online to date, and its been 4 months, I do not receive any statements as I believe they are only available electronically via online account. I have called customer service and they have apologized but havent made any progress on getting access. At this point I have no clue what the terms of my account even are since the take over.
Product: Credit reporting or other personal consumer reports

In violation of 15 USC 1681, my social security number, date of birth, driver 's license, and other information was exposed in the Experian, XXXX, and XXXX data breaches where hackers stole billions of people 's personal and private information, including mine. Fraudulent accounts have been opened up and operated in my name. Therefore, hackers and imposters have been illegally using my information without my permission or knowledge. I need all XXXX of my reports wiped clean immediately.
Product: Debt collection

I am a victim of identity theft. I received a debt collection letter from XXXX XXXX XXXX stating I owed money ( {$1100.00} very suspicious amount ) and the current debt owner is JH Portfolio Debt Equities.The original creditor is XXXX. I researched XXXX XXXX and every single review said they were a scam. Both XXXX XXXX and JH Portfolio say an account was opened with my name and social and they last payment date was XXXX/XXXX/11. It was first reported on XXXX after it became a time-barred debt. I asked for debt verification from JH Portfolio ( current debt owner ) and they told me they have to get the proof first. I have called XXXX 5 times and each time they have said they ca n't find and information on an account opened with my social security number or the account number that JH Portfolio Debt Equities gave to me. XXXX XXXX has not provided me with debt verification and has stated that they do n't even have proof of the account and that they have to get proof before they can send it to me. XXXX has no records of this account so where is JH Portfolio going to get proof from? It has been put on my credit report and they have not provided any date the account was opened with XXXX only the last payment date ( XXXX/XXXX/11 ) meaning it is a time-barred debt by Texas standards and I was mostly likely underage at the time the account was opened. I have filed a police report and complaint with the FTC and JH Portfolio has not acknowledged that. They want me to fill out a fraud packet that would be providing them with all my information ( social security, drivers license number, addresses ) without them having sent me proof of the account. They also said I only had ten days to return the packet to them after I received it. I spoke with someone at the FTC and he said that there should not be a time limit especially since they have n't provided me any information. Recently the debt owner on my XXXX credit report changed to Credit Control LLC even though the account is being disputed. Credit Control 's phone number is ( XXXX ) XXXX but the same address as XXXX XXXX. There are many concerning factors, so I do not trust sending all my personal information to them since neither I nor XXXX have any information on the account. They need to take this off of my credit report as it is a result of identity theft and they do n't have any proof and/or are unwilling to send me proof of the account. They also need to take it off because I was underage.
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 USC 1681.

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 an 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 1681 s-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. 

XXXX XXXX- ACCOUNT NUMBER- XXXX
Product: Debt collection

SCA Collections is reporting the same collection account as SIX separate collection accounts. In Addition to their blatant disregard to credit reporting laws, they are also reporting a payment history on every duplicate collection account they are furnishing to XXXX. I am utterly appalled at the audacity of this company. They really are reporting the same collection account SIX TIMES. They are in clear violation of the FCRA 15 USC. And I am demanding they delete these fraudulent accounts immediately!! Failure to detele these accounts from my credit report will result in me seeking {$1000.00} per entry which totals to {$6000.00}. In addition to that, I will be seeking {$150.00} per violation of them reporting a payment history for these same accounts. They are defaming my name, they are negatively impacting my quality of life. And I will not sit idly by while they violate my consumer rights.