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

GM Financial is incorrectly reporting late payments from  XX/XX/XXXX  to XX/XX/XXXX  on an account/loan that I paid off in XX/XX/XXXX to  XXXX . This has lowered my credit score by  XXXX  points from a good score to a " fair '' score which is preventing me from obtaining credit. I called GM Financial on  XX/XX/XXXX  @   XXXX   CST and explained to   XXXX   ( Employee ID #  XXXX  ) and she offered no help to fix problem. I called GM Financial once again @  XXXX  CST and spoke to  XXXX  ( Employee ID #  XXXX  ) in hopes to get someone to help me, and she offered no help as well and told me to have my attorney contact them. GM Financial is reporting that I had  16 - 30-day late payments, and 4 - 60 day late payments which is totally inaccurate. I only had 6 - 30 day  late paymen ts, and 2 - 60 da y late payments that were between  XXXX  -  XXXX . I completely paid-off my balance in XX/XX/XXXX which closed my account in  XX/XX/XXXX in good standing. And now GM Financial is reporting derogatory late payments from XX/XX/XXXX  to XX/XX/XXXX  in years that I did not, and do not even have an open account/loan with GM ; furthermore, they will not correct it. GM Financial is destroying my credit score for no reason and refuses to correct their mistake. GM Financial is blaming the mistakes on   XXXX   and refuses to correct. I attached the  XXXX  credit report showing these errors. I also attached the  XXXX  credit report which is accurate and shows that I paid off loan in  XX/XX/XXXX .
Product: Checking or savings account

Laurel Road has a checking account promotion where if one deposits XXXX XXXXXXXX in direct deposits a month, the customer will get a {$20.00} bonus the following month. I had XXXX XXXXXXXX in direct deposits from my employer into my checking account for the month of XXXX and they have not counted any of it towards the bonus. I reached out and asked for clarification and they told me it is not a direct deposit although I have the payslips. This is a violation of their own terms & conditions. I'd also mention that this is the second CFPB complaint I have had to make to get Laurel Road to reply seriously and investigate.
Product: Debt collection

XXXX STILL REPORTING A FAKE ACCOUNT THAT WAS FTC THEY NEED TO FIX THIS ASAP AND BBVA ALSO SENT FTC AND POLICE REPORT DO THEY NEED A BLOOD TEST ALSO??????

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

I was shocked when I reviewed my credit report and found late payment on the dates below : CB/XXXX  XXXX &XX/XX/2020
Product: Credit card or prepaid card

In violation of 15 USC 1691a, Citigroup has announced it will be discriminating by age for certain transactions as excerpted from their policy statement. Link to full statement follows the excerpt. 

According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

Citigroup excerpt : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of XXXX for individuals under XXXX  years of age, and " ... 

Link to full text of Citigroup policy : https : XXXX
Product: Checking or savings account

My name is XXXX XXXX, I open an American express high yield savings account because they have good interest rate so I transfered my funds from XXXX XXXX XXXX  to them. Then I was doing backyard remodel and wanted to pay landacaping company in cash as they gave me good discount to pay in cash. So I tried to withdrew money from American express but they had a max of XXXX daily and I needed XXXX so I initiated a transfer from American express to XXXXXXXX XXXX XXXX as XXXX XXXX XXXX have no daily limit, and I got surprised that American express froze my savings account and then when I called to ask why they told me that my account got closed, and that the " back office '' is handling my account now for security and fraud and that all my funds got frozen in savings account. Then I asked to speak to supervisor then they transfered me to someone who didn't want to give me any info on why my account got closed, I asked ok close the account but what about my funds? He said have XXXX XXXX XXXX recall it, I said but the money at Amex, he said XXXX  can recall it. So I called XXXX and they said they can't recall it and that Amex should transfer money to them. I called Amex again and every time they make me feel I'm doing illegal activity with their tone of voice, for what reason? What did I do? I just withdrew money from my account for home remodel project. Whats fraud in that? I can't access my funds in savings and no one able to help me. Please help me get access to my savings account. I just need my money, they can transfer to my checking account or send me a check or send it to XXXX, or anyone from their side can call me to explain why they froze the account for what reason : ( ( ( ( ( (
Product: Credit card or prepaid card

Greetings, I have a barclay credit card and this is the second time I paid my credit card, the payment cleared my bank, but Barclay held my payment and did not clear it from their system. The first time, I made a payment last month and although the amount cleared my bank, they refused to clear it from their system until 20 days later! I told the representative that that was extortion. The representative requested to verify with my bank, I called my bank and they confirmed the transaction happened days prior. Today, I checked my account and realized the payment cleared my bank again yesterday, but on barclay they still withheld the payment from clearing my debt! I paid the amount of {$1700.00} and went on my app and still showed the amount has not cleared my account. I took the liberty of exposing photographs of the transaction in my bank app and the barclay app for evidence. I warned them that if it happened again, that I would report them! Please help me! Every customer should not be treated like this
Product: Credit card

On XX/XX/year> I charged on my XXXX XXXX charge card XXXX On the XXXX I paid XXXX. On XX/XX/XXXX I got a notice through my bank account that there was alate payment showing on my account. Imagine my surprise when I saw I had an " overdue '' payment to XXXX XXXX. I am diligent when it comes to my credit, so I set up the payment immediately, the XXXX XXXX I looked at my account and found out that they had charged me a XXXX cent insurance and had never billed me nor sent an email letting me know that I was " late '' The payment I made just disappeared as they charged me with a " late payment '' of the total I had paid already PLUS late fees, interest more insurance, late fees, etc.. until the total is now {$82.00} and my credit score has gone down almost XXXX points. Also, never once received a bill- this is normal because I don't owe them anything. TODAY after trying to get this fixed for XXXX days, XXXX and behold a bill arrives! How does a XXXX insurance become a XXXX late fee and keep getting added onto until it is a crazy amount of {$82.00}? 
They owe me everything, but the XXXX cent insurance back and they need to correct my credit report ASAP! 
To top it off, in the past i have overpaid my card by less than a XXXX  twice and they have XXXX  it out on my bill no credit nor returned by check. I quit overpaying because they just kept the difference! I could not go back and use that amount. Another time I made a much larger payment than I had to but got a late fee because it was a day BEFORE their XXXX window for monthly payments.
Product: Mortgage

Got injured  at work in XXXX of last year which caused me to not be able to work. Then filed XXXX  and was trying to make payments but they stopped accepting them and sending them back.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, hereby authorize Trans Union reporting bureau to remove the specified fraudulent creditors and inquiries under the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S Code 1681s-2 on my behalf. 

Dear Trans Union Credit Bureau, I urgently bring to your attention the discrepancies in my credit report. Alongside my complaints filed with the FTC and CFPB, I urge the bureaus to impartially address these inaccuracies. The unauthorized access by certain creditors necessitates the immediate deletion of the following : 1. Collections- XXXX XXXX ( originally XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX ( auto loan opened fraudulently ) 3. XXXX XXXX XXXX {$6100.00} ( identity theft ) 4. XXXX Account XXXX XXXXXXXX ( fraudulently opened ) Inquiries for removal : XXXX. XX/XX/XXXX Company : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX Company : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. XXXXXXXX XXXX  Date : XX/XX/XXXX As someone of XXXX identity, I seek fair and unbiased treatment in this matter. I await your prompt resolution in compliance with regulatory standards. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am filing this complaint because capital one did not send out any sort of notice that an outage happened and we would not receive our direct deposits. We were set to get them on XX/XX/XXXX. It is now almost the end of day on XX/XX/XXXX and still no access to our direct deposits. Capital one has cited technical issues which may violate the electronic funds transfer act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure that my rights are upheld. 
Sincerely, a frustrated customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response from Wells Fargo Home Mortgage of another complaint. I have a few issues with this response. I've attached copies of the response. One this response thy stated that they never reported the late 's for XXXX XXXX and XXXX, I have included a copy of the account from my credit report where they are reporting the erroneous late 's. I need a deletion letter as confirmation that this will be fixed. They also included a phone number they have been trying to reach me at, this number is not mine and never has been. I've included a screenshot of my account with Wells Fargo where you can see the primary number is XXXX XXXX and the second is mine. I'm not sure where this number even came from, like I stated this number has never been mine. I truly feel as if these reporting are incorrect and if they would have contacted me using the information I have provided we would not have this issue. It has never been my intention to be late nor was I really aware I was late, I plea with Well 's Fargo to please remove all the late notations from my credit file.
Product: Credit reporting

XXXX XXXX has refused to update my credit files to reflect my current credit scores. I 've been working with a credit repair company, and I have improved my credit scores, to XXXX, XXXX, and XXXX respectively with Transunion, XXXX, and XXXX. Through XXXX, I 've been trying to get XXXX XXXX, to re-score my credit records, based on all XXXX of the credit reporting bureaus for XXXX. My XXXX scores should be a weighted average of XXXX, not XXXX, as reported by XXXX. They are reporting a civil judgment for XXXX ( Placed by XXXX XXXX XXXX ), that was satisfied by a chapter XXXX bankruptcy discharged in XXXX of 2010.
Product: Credit card or prepaid card

Hello, I was a consumer of Bank of America for years and on XX/XX/XXXX I paid monthly payment and on XX/XX/XXXX I paid the full statement balance before the due date which was XX/XX/XXXX. I did not close the account I decided to keep the card. I noticed at the end of XXXX I received a bill of approximately {$68.00} interest charge. I called customer service, because I understand that if a payment is made in full before the due date there is no interest charge. I spoke with XXXX ( not sure of the correct spelling of her name ) informed me I was being charged interest and I paid every other month and this month is no different, to which I inquired because that made no sense, after going back and forth she determined there is nothing she can do, I then informed her I want to close the account. I no longer wanted to patronize a company that did this kind of thing to their consumers. Today I called again to speak to someone in a higher manager, and she informed me the interest is from XXXX billing cycle, again this makes no sense because I made XXXX payment in XXXX ( one was the full statement balance of {$3900.00} ) before the due date and is being charged interest which she stated accrued because I did not call and say I want to pay my statement balance. And because the interest was generated on the XXXX of XXXX and I did not pay in full in XXXX ( even though she is telling me this cycle is for XXXX XXXX XXXX  ). My question is if I am making a payment in XXXX that interest would be for XXXX and when the new cycle started on XXXX XX/XX/XXXX my balance was zero, why am I being charged this amount? Who do I need to speak to have it removed. I have other credit cards and this is the only one that I have this issue with and it is disheartening. I am currently not working and paying off my balance helped me while I am trying to find a job ( no monthly payments ) but to come up with another {$68.00} is painful and unfair to say the least. I emailed the CEO of the company today hoping to get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Dispute of XXXX XXXXXXXX Account # XXXX on Credit Report I am writing this letter to dispute the information you have reported in my consumer file relating to the aforementioned XXXX XXXXXXXX account. I have recently reviewed my credit report and found this account negatively reported, which I believe to be in error due to it being past the statute of limitations for reporting under Georgia law. 

According to my records, the last day of activity on this account was on XX/XX/XXXX as reported by TransUnion, while XXXX reports no data concerning this. As per Georgia 's law, the statute of limitations for reporting a debt is generally six years. Thus, this information should no longer be appearing on my credit report as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a fraud representative of XXXX XXXX XXXX indicating me that she wanted to verify a recent new application on a XXXX credit account. She wanted to confirm the address because she noticed the phone number don't match with the info on the social security and found my phone number researching and this one matched the profile. I asked the address the person used and she express she can't tell me the complete address but that was from # XXXX XXXX New York. I immediately knew it was another fraudulent situation, I already had an issue with other company that said i owe another credit card issued on 2017 when XXXX hurricane and we had no communication, for another purchased on a credit card with an address from New York. Considering this is a second time I want all credit agencies to know that any application or loan asked on my behalf must be directed to my person again to confirm it is valid. Please help me in this matter, I am a person with excellent credit and I worked very hard and honest during the past 30 years to have this situation. Thanks in advance for everything you could do to help me and feel free to bring me advise on next steps with this great issue. I am in the middle of a mortgage transaction and this is not fair because I could not have the correct interest due to this mistake.My email is XXXX.
Product: Debt collection

XXXX XXXX XXXX is trying to collect on an alleged debt that is reporting on my credit report by XXXX XXXX as a profit and loss writeoff but is showing a balance of {$2700.00}. I have requested debt Validation and it was not properly validated by XXXX XXXX XXXX. I also disputed with all 3 credit bureaus and it cameback as verified. However, when I requested Method of Verification I received nothing. I would like for XXXX XXXX and XXXX XXXX XXXX to stop trying to collect on this alleged debt and to remove it from my report and all 3 credit bureaus.
Product: Vehicle loan or lease

Kia Finance Of America has charged off an account on my consumer report. I Have yet to receive my 1009-C. The car has been repossessed, sold and has a title Lien on it with another consumer. Why am i being charged for something re sold and in another contractual agreement. This is fraud and illegal. A violation of my Rights as a consumer. as well as a violation of the United States constitutional laws. As outlined by the Fifth Amendment to the United States Constitution, I have a right to due process, which includes the protection of my property rights. In this case, the erroneous reporting of this charge-off with a balance constitutes a violation of my right to accurate representation of my financial history. I believe that this account does not reflect the true nature of the debt, or the amount that is owed. Due Process under the Fifth Amendment : The Fifth Amendment of the U.S. Constitution guarantees due process, which includes the right to be informed of actions that affect ones rights, including financial obligations. When a creditor cancels a debt, it triggers potential tax consequences that should be disclosed to the consumer. The failure to provide a 1099-C form interferes with my ability to properly comply with federal tax laws, thereby depriving me of the ability to understand and respond to my legal financial obligations. This lack of notification deprives me of a fair process in managing my tax responsibilities. 

Right to Equal Protection under the Fourteenth Amendment : The Fourteenth Amendment guarantees equal protection under the law. By not issuing Form 1099-C for canceled debt, I am being treated unfairly in comparison to others who may receive the necessary information to fulfill their tax obligations. This disparity in treatment may constitute a violation of the equal protection clause, as it subjects me to potential penalties for non-compliance without informing me of the necessary reporting requirements.

Right to Protection from Unlawful Taxation : The Constitution, as interpreted by the courts, protects citizens from unlawful taxation. When a creditor cancels a debt, it is a taxable event under federal tax law. Without the issuance of the 1099-C, I am unable to accurately report this cancellation to the IRS, potentially leading to improper tax assessments. By failing to provide me with this form, I am denied the ability to fully exercise my constitutional right to protection from incorrect or excessive taxation.
Product: Debt collection

Team Recovery managed credit reporting on behalf of an attorney in XXXX, OH who represented XXXX XXXX XXXX. 
The balance owed on a medical bill was paid in full after it was presented but during the process agents from Team Recovery threatened that my credit would be negatively affected. Even though the account was paid and the attorney dismissed the case in XXXX XXXX XXXX the collections attempt still shows as a negative report on my credit. 

In XXXX of 2021 I contacted both team Recovery and the attorney at their advise and the attorney agreed to remove the report from my credit. The negative report has not been removed and remains on my report even though all parties have agreed to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to the EQUIFAX data breach just announced. This is unacceptable in this day in age and has caused unwarranted and excessive strain/stress on me due to their careless and negligent behaviour and practices. I demand this be investigated and they be held accountable to highest extent of the law for this failure to protect my sensitive information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma is virtually impossible to contact in regards to a complaint regarding erroneous reporting. No agents to speak with if it falls out of the virtual assistants listed and limited issues. XXXX and the creditor, XXXX XXXX XXXX, verified, after investigations, that the 40 pt drop in my credit score as noted by Credit Karma is incorrect. CK removed a 22-24 yr old account, XXXX XXXX XXXX from my credit report. The account is still open, active and in good standing. I have received no response, correction nor acknowledgment from CK. I have to modify my mortgage and this will negatively impacting my interest rate. I need assistance. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 USC 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 US.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NUMBER ACCOUNT DATE OPENED. 

1- XXXX XXXX XXXX XX/XX/year> As required by 15 USC 1601c-2, please block this fraudulent information from my credit report Immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent Information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mina, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX PL XXXX, NY XXXX Employer : XXXX XXXX