23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am a joint owner of this lease account, equally responsible for timely payments. I reside at a different address than the XXXX owner I signed for, and I requested paper statements and notices be sent to my address. No paper statements have ever been sent to my address, and resulted in a XXXX payment not being applied and marked on my credit as late in XX/XX/2022. I have disputed this with BMW Financial and was dismissed by their credit review department. Representative confirmed that I never consented to electronic statement ; however, they said that they were not obligated to send me statements as the XXXX owner opted to receive statements electronically. again we live in different household and my pre-requisite for co-signing this lease was to receive full statements and notices every month. they failed to do so and denied me the opportunity to monitor good standing of this account. 
ideal resolution to this problem is for BMW Financial to acknowledge their mistake and erase the late payment of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/XXXX and XX/XX/XXXX. On multiple occasions I requested XXXX and EXPERIAN to verify these inquiries. They have yet to do so.
Product: Credit card

On Wednesday, XX/XX/2024, I attempted to apply for credit with American First Finance in order to make an appliance purchase ( washer & dryer ) with XXXX XXXXXXXX  I started the application process by providing general information and some financial information. 
After a few screens, it asked for banking information in the form of my debit card. I supplied the requested information and pressed submit. Instead of moving forward, the application acted as if I entered some wrong data. I rechecked my card number, exp. date & cvv. Everything looked fine, so I hit submit again. The app still would not move forward. 
My next instinct was to call my local store. I placed a call to the store in XXXX Ohio to see what insight they could give into the credit process. They suggested calling the credit granted, American First Finance at the number she would give me. 
I hung up with the store and called the provided number and had to navigate a phone tree to finally reach a live agent. I explained to the agent what I was experiencing and asked if they could provide an explanation. The explanation I was given, I wasn't prepared for. 
According to the phone representative, I was told because I chose to bank with XXXXXXXX XXXX my debit card or financial information would not be accepted because they did not recognize the XXXXXXXX XXXX  as a reputable financial institution. To utilize their service, you had to bank with a brick & mortar financial institution such as XXXX, XXXX or XXXX XXXXXXXX XXXX 
I get that XXXX  is an online bank, but through this online institution, I have a checking account that accepts regular direct deposits, a savings account and a debit card that I can utilize in every store that I can think of ( XXXXXXXX XXXX XXXX XXXX, etc. ). 
I feel this company is unfairly limiting or granting credit based on unreasonable requirements. Why should they get to choose where I bank in order to utilize their services?
Product: Debt collection

This company has reported this account to the credit bureaus as a brand new account opened XXXX XXXX XXXX This is a blatant lie. They are collecting a debt that does not belong to me. They are continuing to contact me when I have requested them to stop all communication with me. They refuse to provide this debt belongs to me. They have not supplied me with a debt verification letter.
Product: Mortgage

I demand that Seterus return any money they have received toward the supposed servicing of my loan! It has never been my intention to pay anything to Seterus until they provide legal documentation on the proper, and legal, transfer and ownership of my loan ( as per legal record XXXX does not own the loan ) and then legal documentation/authorization from the owner that Seterus is servicing the loan. I 've asked for such documentation since Seterus first began their extreme harassment and I 'm still asking for it. I also spent years asking XXXX XXXX XXXX for this information and I have received XXXX of pages of documentation, even forged documentation, but still nothing regarding the ownership of the loan. I simply did not realize that Seterus was forwarded funds from XXXX and Seterus is simply holding and benefiting from holding funds by not at very least applying to funds toward the principle of the loan.
Product: Debt collection

i disputed this account several times even sent them documentation stating that the debt was not mine, someone forge my signature on a document stating that I owe this money, I never sign any documents and the signature is lapsing over another signature. When I talk to the credit bureau they where really rude about it and will not dispute the item for me anymore. The amount showing I owe is for XXXX and XXXX for XXXX I am not pleased how my situation has been handle at all.
Product: Mortgage

In XXXXXXXX XXXX XXXX, my mortgage was sold from XXXX XXXX to SPS. The first installment of my taxes were due at the end of XXXX. I pay my taxes through my mortgage. As with every other company who has had my mortgage, I assumed SPS would pay the taxes. They did not. I received a letter from the XXXXXXXX XXXX XXXX ( XXXX ) indicating that if my taxes were not paid by XXXX, my house would be advertised for sale. I called SPS immediately and spoke with a representative named XXXX. He gave me an email address to a company called XXXX XXXX. He told me XXXX XXXX issues the checks on behalf of SPS and that it would take XXXX business days. I sent the letter and nothing has gone right since. It took many phone calls and my original complaint to finally get the check sent earlier this month. However, I got a letter ( as well as speaking to a supervisor ) who told me that my mortgage payment was going up {$160.00} a month to a special " cushion '' account that would not be part of my escrow and I would not be able to see this money and this payment is for a discretionary amount of time. For as long as SPS wants me to pay. My taxes have not gone up nor has anything changed with my interest rate. I appears that SPS is trying to get me to pay, a second time, for the taxes that they did not pay timely. I have proof of that they were in receipt of the funds in XXXX. I will attach that to this complaint. 
In summary, this new complaint is about the increase in my mortgage payment. I have not been supplied with a factual reason for this increase other than SPS 's claims of a shortage ( that didn't exist with XXXX XXXX ) Thank you for you attention to this matter.
Product: Credit card or prepaid card

I checked my credit report on my XXXX XXXX app and I saw in my XXXX Report that a credit card with First National Bank of Omaha was opened up on XX/XX/XXXX in my name. There is a balance of XXXX and the account has been sent to collections with XXXX XXXX XXXX. I did not open up any credit cards with this company so I believe I am the victim of identity theft. I submitted a Dispute to XXXX through the XXXX XXXX app on XX/XX/XXXX and XXXX responded on XX/XX/XXXX saying that the account was not opened fraudulently.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> Subject : Formal Dispute Regarding Equifaxs Willful Non-Compliance and Incorrect/Fraudulent Information Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally dispute the inaccurate and fraudulent information appearing on my credit report, as provided by Equifax. Despite my efforts to resolve these issues directly with the credit reporting agency, Equifax has failed to remove these fraudulent and incorrect entries in violation of several provisions under the Fair Credit Reporting Act ( FCRA ). 

The following accounts, inquiries, and/or information were reported incorrectly and/or fraudulently and are adversely impacting my credit score : 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  Under Section 604 ( 15 U.S. Code 1681b ), credit reporting agencies are prohibited from providing reports to third parties without my express authorization. It is my understanding that these inquiries and/or reports were made without my consent or proper authorization, thus violating this law. 

Additionally, Section 605 ( 15 U.S. Code 1681c-1 ) mandates that fraudulent inquiries be removed from my credit report once proven. Several of the items listed above were made fraudulently and should have been promptly removed following my dispute of their validity. 

Furthermore, Section 605 ( 15 U.S. Code 1681c-2 ) requires that inquiries resulting from identity theft be deleted from my credit history. I am asserting that at least some of the inquiries listed are a result of identity theft and must therefore be removed immediately. 

I respectfully request that you intervene to ensure the immediate correction of these errors and that Equifax fully complies with the FCRAs requirements. Furthermore, I will be seeking monetary relief as these discrepancies have resulted in significant harm to my credit score and financial well-being. The continued presence of fraudulent and inaccurate information on my credit report is negatively impacting my creditworthiness and causing undue hardship. 

Please acknowledge the receipt of this dispute and provide me with a detailed investigation into this matter. Thank you for your prompt attention to this urgent issue. I have also uploaded a Identity theft report to this complaint Sincerely, XXXX XXXX : )
Product: Checking or savings account

Citi bank held my payroll deposit check after I provided all information because a XXXX search showed a different number for me. Its caused me to be late on all my bills and took XXXX weeks for me to access my payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had a situation in the past with financial problems during the separation of my family and i had no access to a lot of things in the process, including my mail and certain credit cards i had in my possession.. The card was a secured card for {$300.00}, in which XXXX XXXX rendered the security deposit, but added more than 150 dollars in late fees after taking the XXXX i put down to receive the card.. i had no idea about it i even went to the bank and they told me that " they took the {$300.00} deposit so the account is closed no worries! i took it as that. i have had 2 companies try to help me because my credit is great but i cant get a place to live so i can gain XXXX  XXXX  of my son because of the {$160.00} late fees they have on my file and WONT REMOVE!!!!!!!! i need help please .././././.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act XXXX  Account # XXXX US DEPT ED, Account # XXXX USDOE/XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 states : If any person takes any adverse action with respect to any consumer that is based in whole or in part on any information contained in a consumer report, the person shall ( 1 ) provide oral, written, or electronic notice of the adverse action to the consumer ; ( 2 ) provide to the consumer written or electronic disclosure.
Product: Credit card or prepaid card

On XX/XX/22 I received a virtual settlement payment from XXXX 's which is handled through myprepaidcenter.com. I had created an acct and tried for XXXX weeks to use the virtual card. It will not allow me to add it to my virtual wallet. I tried to pay bills and make purchases online. Any way that I could use the money, I tried. So on XX/XX/22 I paid for a physical card and received it today XX/XX/22. Now this card will not activate I can't view any details online. I called number on the physical card and the automated system can't find or activate the card number and you can not speak to anyone..it just hangs up on you. I found a number to call them XXXX. I waited the allotted XXXX hold time it stated which turned into XXXX to be told that there systems are down and call back another day. I finally got thru on the website and the card will not activate online or over the phone. It's obvious from reading all the reviews that this is a scam. All the stories are the same and we are all given the run around. So this is how huge companies never have to pay their class action settlements because it's all a joke on the consumer. I want to know how I proceed and I guess how I start a class action lawsuit against my prepaidcenter.com. if you read the reviews this company is stealing people 's money and they just keep getting away with it.
Product: Debt collection

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX MILESTONE ) ( XXXX XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX  Date Updated : XX/XX/XXXX INQUIRIES : 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 reporting or other personal consumer reports

I am not associated with the creditors in question and did not authorize these inquiries.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated. 


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. 


TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an urgent matter pertaining to my credit report. On XX/XX/2023, I initiated a dispute with XXXX XXXX XXXX XXXX XXXX regarding a debt associated with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, totaling {$7000.00}. I firmly believe this information to be inaccurate and not reflective of any valid debt I owe. 

I have notified XXXX XXXX XXXX XXXX XXXX directly of this dispute, as stipulated in 15 U.S. Code 1681i, which mandates a timely reinvestigation by the consumer reporting agency. Regrettably, XXXX XXXX XXXX XXXX XXXX has not conducted this required reinvestigation within the mandated 30-day period.

The inaccurate debt on my credit report is severely impacting my financial prospects, including my ability to secure housing and make informed financial decisions. Therefore, I urgently request that XXXX XXXX XXXX XXXX XXXX conducts a thorough reinvestigation into the disputed information and rectifies any inaccuracies promptly, including the removal of the disputed item from my credit file if found to be inaccurate. 

I also urge XXXX, TransUnion, and XXXX to ensure that accurate and up-to-date information is reported in compliance with the law. 

I appreciate your prompt attention to this matter and request your immediate action to resolve this issue in compliance with 15 U.S. Code 1681i.

Sincerely,
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$980.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$980.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Tel : ( XXXX ) XXXX Email : XXXX Consumer Financial Protection Bureau TO WHOM IT MAY CONCERN, On or about XX/XX/2018, my Bank of America Debit card Account last # XXXX was used fraudulently by a unauthorize person ( s ) to make a purchase a fraudulent transaction on XXXX for a total amount of {$970.00} ( XXXX XXXX and XXXX XXXX Dollars ). 
When I noticed that transitions I notify my bank about the charges on my account with the 60 days period. Bank of America gave me a temporary credit for the full amount pending investigation. 
On XX/XX/2018, Bank of America reverse that charges and took the money bank and place my account in negative and stating it was my responsibility to protect my account. On XX/XX/2018, I spoke with XXXX from the Claims department and she told me the same thing that is it my responsibility to protect my account and I should have known that my account was used fraudulently. 

The Fair Credit Billing Act allows credit card users to contact their credit card company within 60 days of receiving the credit card statement with the unauthorized activity. I notified Bank of America within the 60 days period that my account was used without my permission. 

I did not authorize this transaction that appeared on my account and I am a victim of identity theft. 
My XXXX account was not the account that was used to make the purchase and I did not authorized anyone to use my card to make any purchase on XXXX or any other site. 
The fair Credit Act purposes to protect consumers from unfair billing practices and to provide a mechanism for addressing billing errors in open end credit accounts such as credit cards or charge card account. A dispute was filed in a timely manner so I should not be liable for a unauthorize transaction on my account. This matter needs to be resolve immediately. 

Best regards, XXXX XXXX Banking Information Headquarters Bank of America XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX
Product: Debt collection

I received an miscellaneous fee on my auto loan some months back. I questioned the amount which was {$50.00}. Once I learned what the charge was for I was ok with paying that amount. My vehicle was held for evidence and I was fully aware that it wouldnt be released until I received an District attorney release. This release would be sent to me and only me. The finance company told me that they provided a lawyer and would see about getting the vehicle released, this is when I was charged the {$50.00} amount. I received 2 more payments and was told after the first one that the amount wouldnt increase especially after I stated that Im not aware of any charges and that there shouldnt be any charges especially when my situation doesnt involve any payment. This situation has been going on for months and as of XX/XX/2020 I finally have an idea of what has taken place especially after the finance company told me the vehicle was held for a DWI which is false and I was being held accountable for towing fees. This again is also false because no charges I would be held accountable for since the District Attorney has possession and would be making the necessary arrangements for the vehicle to be transported to its destination. As of right now the fees are {$760.00} This doesnt make sense to pay especially when I know that no money would be out of my pocket during this whole ordeal. Why would I pay a lawyer hundreds of dollars for information that I have for free. This makes no sense whats so ever. I could see being held accountable for payments especially if I was behind and the company retrieved the vehicle but I havent ever.