23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Credit Inquirie : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 an institution named XXXX placed a hard inquiry on my credit report. I did not give authorization to anyone to place a hard inquiry/run my credit, have not given out my Social Security Number for a credit inquiry, nor do I know who/what this company is.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Prepaid card

I 've been online for months on months, shopping around at different dealerships, auto sales places, auctions looking for a car. I do n't have a car or any XXXX family around, all are 2 hours or more away from me. I have been back and forth with my parents about getting a car so that I work and graduate from school. I finally saved up money and came to an agreement with my dad and he put up some money as well for me to get a car so I can get to my 40 hour a week XXXX and my XXXX hour a week job so that I graduate and pay all my bills. I have day in and day out doing the best I can trying to live right working full time, going to school full time, still trying to have life riding the bus depending on my friends for a ride. How stupid could I have been ; but I 'm so tired and I 'm desperate. I was taken advantage of I saw a post online on XXXX for a car and I responded. I got all the information and details and pictures of everything. The terms and conditions were sound to me, too good to be true as I came to find out. From the conversations I had with this person to the research I did on their XXXX page and XXXX XXXX I felt secure. I held up my end of the deal and followed the instructions given to me to provide payment via XXXX. Thinking back I was n't thinking straight I was n't thinking at all. I was told my payment confirmed and went to check and make sure that it still had n't been taken because that was n't the deal until I received the vehicle. I was instructed to wait for more information on the delivery and was told that I needed to provide more money to insure my delivery. My worst dreams were realized I immediately called XXXX who gave me the run around I eventually found out I was a victim of fraud. Hung up and immediately called the card company and was then told that the cards were as worthless as lost cash. After begging for their help I was told that the cards were used to purcashed items from XXXX and after cutting the cards off filing fraud theft stolen I cried and cried and cried some more. Then I called XXXX and spoke to the unknown charges department and they found the charges and were able to freeze the charges close the accounts. They told me to contact the police, contact my card company I did both and went back all the way to where it started contacted XXXX, XXXX, my dad, XXXX, XXXX XXXX XXXX, XXXX XXXX. I needed to make sure I covered all my bases notify everyone gather all my information for disputing these charges and getting my money back to me. A process I was told could take up to 60 days or longer. Perfect timing it 'll be time for me to be finishing up my internship with exactly enough hours and hopefully graduating. Pray for me. Please help me bring whoever did this to me to justice this is not right they ca n't get away with this.
Product: Debt collection

Navy Federal Credit Union threatened and then damaged my credit reports with reports of late payment history and derogatory remarks stating that the account was 150+ days delinquent and is reporting a inaccurate date of first delinquency stating, " they have forgiven the original first date of delinquency, and will not correct my credit report with the accurate information disputed due to debt forgiveness for that date of first delinquency. '' I have tried to correct the date of the first delinquent payment only to have them report an inaccurate date of first delinquency every time I dispute. The information they provide is wrong, yet it still reported as accurate by the creditor when disputing through the credit bureaus websites. Requesting immediate and permanent removal of Navy Federal Credit Union 's Reporting file ( s ) from my credit reports for knowingly reporting inaccurate date of first delinquency. They have reported this for the last six and a half years and should be sued for monetary gain for misinforming the credit bureaus the way they did for the last 6 1/2 years.
Product: Debt collection

Apparently I was put as a secondary contact in case they could not reach the individual ( family member ) who owes debt. I have been unable to reach anyone at the company and demand that all calls stop immediately. I demand that my information be immediately removed from any contact list and that all contact attempts cease. I've been called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have no legal obligation for this debt and have exhausted all remedies.
Product: Mortgage

I have been trying to cancel my option home warranty of {$39.00} for several months. According to the home warranty company, the product was finally cancelled on XXXX/XXXX/2015. However, Nationstar mortgage is still billing me for this product, and they can not remove the charge. I have been given the typical run-around, e.g. hangups, endless transfers, no supervisor available. I was told today by Nationstar to just subtract the amount from my payment and it will go away. Since I highly doubt that is good advice, I do n't know what to do to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a merchant credit card with XXXX and Comenity Bank. I signed up for this maybe a year and a half or two years ago. Since then XXXX stopped services with the company. I was told by the local store manager it was because the company they used ( Comenity Bank ) was not treating the customers right and it was adversely affecting business. fast forward to the last 6 months and I begin noticing a trend with how my payments are being processed. I will make said payment and it will not come out for many ( upwards of 6 days ) days if at all. I have money in my account when " the payment fails '' so why is n't it going through? I investigate with Comenity first and they said it was due to lack of funds. I know they are lying obviously so I call my banking institution ( XXXX XXXX XXXX XXXX ). What they told me pretty much takes the cake. XXXX has no history of a payment inquiry coming in from Comenity at all. It is at this point that I realize Comenity bank is manufacturing reasons to jack up my interest rate and charge me extremely high late fee 's. Now they have three different collection agencies calling me at all hours of the day and night harassing me and have reported against me on my credit report. This is very unethical business practices.
Product: Credit reporting or other personal consumer reports

I have provided a identity theft report Please remove all inquires on report
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX 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 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 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

There have been {$14000.00} of fraudulent charges on my bill ( XXXX charges ) from XX/XX/year> to XX/XX/year>. These numbered XXXX separate charges, and they spanned all across the XXXX XXXX. One charge was even in XXXX. XXXX sequential charges were registered in 24 hours for {$190.00}, each at a different XXXX store, in states I have never visited. It was almost as if someone was actively trying to drain the account. 

On XX/XX/XXXX, I discovered the fraudulent charges on my bill, called Chase Credit Card Services, and spoke to the fraud department. The representative noted that the fraudulent charges were all made with XXXX XXXX XXXX. She verified that I own an Android phone and could not have made those charges. 

She sent the case to the Fraud Investigation Department and told me that I would not be liable for any fraudulent charges. 

At that time, we also closed that credit card number, and they started me on a new credit card number. 

On XX/XX/XXXX, all the charges reappeared at once in my Chase account. After calling customer service, they indicated that there was evidence of my card being present at these locations. 

I did not make these purchases, nor did I authorize anyone else to make them. So, they are fraudulent. And I understand that I can not be held liable for fraudulent charges to my credit card.

I can provide an itemized list of the 55 fraudulent charges. 

Please help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX  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 XXXX XXXX XXXX XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

My mortgage was bought by Roundpoint mortgage servicing corporation effective XXXX. I still have not received a package with my loan number as of XXXX. I called and got a loan number and later got a different loan number via email. I have emailed twice and gotten a response today ( XXXX ) they are looking into this. I am very concerned this will affect my credit rating. The only reason I am unable to pay is I can ; t get a welcome package. I am also concerned because my escrow payments and home insurance are still listing my old mortgage sevicer.
Product: Debt collection

Received a settlement for 50 % of the debt on XXXX XXXX,2024 for the amount of {$150.00}. Made payment via link provided in email and was charged a service fee making the total amount paid to National Credit Systems , Inc {$150.00}. That payment cleared my checking account on XXXX XXXX2024. National Credit Systems , Inc. refuses to report to the credit bureaus that the account has been settled and that {$0.00} is owed to them. Disputed account in XX/XX/year>2024 and they increased the balance being reported by {$1.00}, making the amount owed {$150.00}. Disputed with supporting documents in XX/XX/year>2024 and National Credit Systems , Inc reported balanced owed {$150.00}. They are not honoring the solution to settle the account sent and accepted on XXXX XXXX,2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a state tax lien in XX/XX/XXXX. The amount of the lien was originally XXXX. However, since I had moved the interest had driven it up to XXXX. The later is the amount that was paid to the Georgia department of Revenue. They sent me a letter of Cancellation on XX/XX/XXXX. I sent this letter, copy of cancelled check to Equifax for deletion. Instead of deleting it, they changed the docket number and said that XXXX XXXX is responsible for having it removed. So, I contacted XXXX. Again, was told that it was Equifax 's decision. 
Today I called in to get this removed under the XXXX XXXX of XX/XX/XXXX. The enclosed lien that is filed does not have neither my Date of Birth nor my full Social Security Number on it. I was told that they investigated and the lien stays. He also told me to call XXXX XXXX Superior Court Clerk to get a deletion letter. I called and spoke to XXXX. She told me that they do not do deletion letters and that the letter of cancellation should have been enough to get this item deleted back in XX/XX/XXXX. 
I ask that you please investigate Equifax and their not handling this issue correctly. Please see enclosed lien and other documentation
Product: Student loan

I have a student loan that is decades old. Well over ten years ago when I wanted to return to school to finish ( I had 1 year to complete ) I was told that I would have to start all over! Therefore, since the education that I received did n't hold it 's value, I should n't be mandated to pay for something I did n't get. Moreover, since my efforts to get the matter discharged, all of a sudden they have discovered accounting errors and the balance grew. I have no way on knowing if their accounting is accurate. If they have poorly accounted my account, I believe they could have made costly errors on countless others. So, in addition of to there being an unknown disclaimer on my education, and due to the fact they made serious accounting errors, again, this loan should be discharged.
Product: Checking or savings account

On XX/XX/2018 I made a transaction for {$2800.00} through my Wells Fargo Checking Account for an online purchase. Unfortunately, it was a scam and I never received anything. I have been suffering from severe XXXX because of this and Wells Fargo has done nothing to resolve the issue. I wanted them to go after whoever this so called merchant is and get back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}. Please send me the results of your investigation within the next 30 days and correct the disputed account from any erroneous reporting of information on my XXXX XXXX.
Product: Vehicle loan or lease

I took and auto loan out in XX/XX/XXXX with Santander Consumer USA. My first payment was due XX/XX/XXXX. I made the payment XX/XX/XXXX of the XXXX payment XXXX was applied to principle and XXXX was applied to the interest. On XX/XX/XXXX I made my XX/XX/XXXX payment and XXXX was applied to principle and XXXX applied to interest. On XX/XX/XXXX I made my XXXX payment and XXXX was applied to the principle and XXXX was applied to interest. On XX/XX/XXXX I made my XXXX payment and XXXX was applied to principle and XXXX was applied to interest. On XX/XX/XXXX I made my XXXX payment and XXXX was applied to principle and XXXX was applied to interest. on XX/XX/XXXX I made my XXXX payment and XXXX was applied to principle and XXXX was applied to interest. So when I saw that I called Santander USA and requested that since I have paid my loan so far in advance I asked that the entire payment be applied to the principle, which they said that they would do. Today XX/XX/XXXX I called in once again to see why my payment was not properly credited as promised and I was told that they would not do that. So my first issue is that they are refusing to properly credit a payment paid far in advance of the agreed upon payment schedule. Then they are charging far too much interest on that payment than what should be applied if you accept their claim that every payment made has some type of interest applied to it. Since this payment covers my XX/XX/XXXX payment and it was paid on XX/XX/XXXX why are they able to charge me XXXX dollars less in interest than they did in my first payment due XX/XX/XXXX paid XX/XX/XXXX? the interest charged on that payment was XXXX and the interest charged for my XX/XX/XXXX payment was XXXX when the XX/XX/XXXX payment was made a full 4 months in advance?
Product: Vehicle loan or lease

American car care center filed bankruptcy XX/XX/2023 XXXX weeks after leasing car. 

Was promised that windshield would be fixed. Warranty was bought in the lease to cover repairs during lease and that coverage was cancelled with no money refunded or drop in monthly payment. 

Oil changes included in lease were also cancelled. 

Lease is serviced by west lake portfolio. Eight months we made payments faithfully while waiting for them to produce title and taxes so vehicle can be registered. They can not or will not provide documentation and payment for taxes they keep saying they are working on it. They even stated that we would even have to pay for the tags and taxes over {$2000.00} but that was included in the lease.

Can not get insurance on vehicle because it is not registered to us in Tennessee.we are unable to legally drive the van. 

Account was current and we Notified XX/XX/2023 that no more payments would be made and we were voluntarily surrendering the van since they can not produce documentation and pay taxes to get vehicle registered and they need to come pick up the vehicle.

They call everyday several times a day including sundays and demand payment and threaten with legal action.

They stated the voluntary surrender of the vehicle was cancelled because we were XXXX XXXX. We have never been XXXX 

Now they state that we are now behind and they can not process the voluntary surrender until payments are caught up.

They are now stating they will begin repossession action and report it to the credit agencies unless we bring the account current.

The lease was made with American car care center but they are locked up in bankruptcy. I do not have any signed agreements with Westlake Portfolio. We have made payments to westlake because they were servicing the American car care loan per the bankruptcy court.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX XXXX has listed a hard inquiry on my credit report from discover card. I tried to contact them via phone and computer website will not load and i would be on hold until call is droped.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAME : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act 1 ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus EXPERIAN, XXXX AND XXXXIT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached experian credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.
Product: Mortgage

My Wells Fargo home loan " Home Equity Loan ''. Was changed to another loan called " Smart fit Equity Line '' we filed bankruptcy 2 years ago. The home was not included in the bankruptcy chapter XXXX. Wells Fargo has locked my account so I can not make a paymentThey say because of the bankruptcy. I have tried to make a morguage payment on the XXXX and XXXX of this month of XXXX 2015. They also increased my payment which I was going to pay, I have payed this amount XXXX times before with no problem, I have been doing it with difficulties but getting it done.
Product: Mortgage

I am divorced and XXXX. I am a homeowner and my morgage is through Cardinal financial. I did the forbearance because of covid 19. I was not made aware of what would happened when I resumed payments. I am on a fixed income. I went through a bad divorce and I ended up having to pay alot of debt. I had to enter a debt consolidation program to get my loan. I've been paying {$240.00} a month for that. My morgage is now a {$100.00} more because of forbearance. I am struggling to make ends meet as it was. I need my loan modified so I can afford payments. I was not made aware of this at time of taking the forbearance and am struggling now because of it.