23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

someone with the name given, " XXXX id # XXXX with GM financial, '' claims over the phone that I owe a large sum of money to GM Financial. I have been hung up on by these people several times. I repeatedly request written correspondence via us mail ( a Bill or Statement etc. ) that I may have an opportunity to examine them and take the necessary steps to resolve the issue. Not once has anyone sent anything or provided any documentation to me whatsoever though their reporting to the 3 major consumer reporting agencies has tainted my credit and drastically lowered my score. I had been in the process of pre-qualifying for a VA home loan and now, I am told I can not due to the now very low credit rating. My family life and professional life has been halted completely and I require resolution / remedy. If a person or corporate entity claims I owe them something, they must then present their claim in writing, affording me the opportunity to resolve the matter. They refuse to offer or present any remedy therefore this case is dismissed, account closed, all reporting from GM financial to the major consumer reporting agencies, ie XXXX, XXXX, XXXX, need to be dissolved and completely removed at once.
Product: Mortgage

Consumer received a letter in the mail from XXXX XXXX XXXX, XXXX. atty stating from district court, a summary of judgement against all parties stated above, XXXX AND XXXX XXXX, U.S.A., HUD, XXXX AND XXXX were never served or notified regarding any court date or aware of intent to proceed without responding to the request to the letters we have sent. This has cause violation of our rights. U.S.C. 1692 1692p, approved on XX/XX/1977, 3-302.  HOLDER IN DUE COURSE.. I am contacting You as trustee of our affairs and also representing the U.S.A, We are wanting assistance in this fraud.
Product: Checking or savings account

This is related to my XXXX CFPB complaint ( XXXX ) regarding XXXX XXXX XXXX XXXX  XXXX my bank ), but I'm now submitting this second complaint about Wells Fargo XXXX which is the XXXX XXXXXXXX XXXX bank. 

My mother and I are victims of wire fraud by a Wells Fargo customer on XX/XX/XXXX. We were scammed out of XXXX XXXX XXXXXXXX and it was wired out of our joint checking account at XXXX to a criminal " XXXX XXXX '' who was able to open an account at Wells Fargo and fraudulently transfer funds IN to that account from our XXXX joint checking. I will attach the Hold Harmless and Indemnification Agreement that was sent to Wells Fargo from XXXX on XX/XX/XXXX. 

Neither XXXX nor I have received a response from Wells Fargo, not even an update. I want to know how and why this person was able to a ) open an account at Wells Fargo with XXXX red flags and b ) use it to commit WIRE FRAUD.
Product: Student loan

In  1986 i atte nded   XXXX   XXXX   XXXX   in  XXXX  kansas. I applied for  XXXX  pail grants to be applied to my goverment student loans believe to be a ffel. I was approved for all grant. I compleated both modules  XXXX   XXXX   XXXX    and   XXXX   XXXX   XXXX   XXXX   Because of a problem in the financial aid department with an representative that defrauded or bused clients funds. I Never recived my pail grants. I never found out the out come of that except that the school closed down and no longer exists. Now the DOE is garnisheeing my checks for payment on those student loans.
Product: Credit reporting or other personal consumer reports

I recently tried to freeze my credit report with all three credit reporting agencies. XXXX and XXXX were easy. But Experian is virtually impossible. I can not contact them via telephone because they only give me two options : submit a request by mail or use their web site. BUT, when I try to use their web site, I can not log in because they already have an account for me. AND because I forgot my password, I can not log in because my cell phone does not match their records. That leaves me with only one option : mail in my request. 

This is far too cumbersome and could be / should be much easier. Experian should give users other ways of identifying themselves other than just a phone number. If the XXXX XXXX XXXXXXXX can do it, Experian can do it. There is no excuse for this and Experian is denying me the ability to freeze my credit by making it unnecessarily cumbersome to do so.
Product: Credit card

I OPENED A BANK OF AMERICA CREDIT CARD ACCOUNT WITH A SECURITY DEPOSIT. THE BANK CLOSED MY ACCOUNT MORE THAN ONE YEAR AND A HALF AGO AND HAS NOT RETURNED THE LEFTOVER SECURITY FUNDS. DURING THIS TIME I HAVE MADE OVER 30 PHONE CALLS TO VERIFY WHY THEY HAVENT SENT MY SECURTITY FUNDS BACK AND I HAVE ALWAYS BEEN TOLD THAT IT IS UNDER REVIEW.
Product: Mortgage

I applied for a forbearance with Cardinal Mortgage and was advised it was approved from XXXX XXXX. I came back and asked to extend the forbearance and was advised it was extended until XX/XX/XXXX. The calls are recorded and the Loss Mitigation Dept stated payment would resume on XX/XX/XXXX. Today, Cardinal reported my account as more than 90 days delinquent. This is wrong because I was in an approved deferment from XX/XX/XXXX - XX/XX/XXXX. The calls are recorded. None of the time the loan was in forbearance were the payments reported delinquent but all of sudden today, XX/XX/2023 they reported me as late dropping my score by over 90 days. I have perfect payment history. I called Cardinal And they just keep transferring me to inept agents who Do not know their job. I asked how to request FOIA to obtain all my record from them and the agent didnt know what I was talking about. I will be filing a XXXX  complaint as well. The loss mitigation dept at this company is terrible. The agents are ignorant and do not know how to properly service consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I have discovered instances of late payments on XXXX XXXX XXXX for the months of XX/XX/XXXX through XX/XX/XXXX. I want to emphasize that these late payment entries are inaccurate and unjustly affecting my credit score and financial standing. 
First and foremost, I believe there has been a violation of the Privacy Act ( 5 U.S.C. 552a ) with respect to my credit report. I was never provided with the option to opt out of the reporting of my personal information to your agency, as required by the Privacy Act. This omission infringes upon my right to be informed and give consent regarding the collection and disclosure of my sensitive financial data.
Product: Checking or savings account

On XXXX XX/XX/2020 I made a mobile deposit of {$2000.00}. This is a normal process for me as I make this type of deposit on a regular basis. As days went by the bills I had scheduled to pay online started to be returned to me as well as my collecting of overdraft fees. I finally called the bank today and was told that due to this time of year the fraud team is holding onto mobile deposits longer than normal this leading to these bill pay issues. I was never warned about this and, as I mentioned, never had this issue before. So now I'm told that the only way I can get my money is to bring a copy of the check to a branch manager and hope that he/she will clear it. That or wait until XXXX XXXX for it to clear. Again, this has never been the case before. So, not only am I losing money to overdraft fees but TD Bank is holding my paycheck hostage and I can't buy presents for my children for XXXX until they decide to release it.
Product: Credit reporting

I have had a credit score of XXXX for an extended period of time and have always paid any and all my bills on time. I was told several months ago by one of the credit reporting bureaus that my credit score could never be XXXX due to the fact I do not have XXXX ( lines of credit ) credit cards! I use an XXXX product ( XXXX ) on my PC and I receive my credit score every 3 months. I found the last score was XXXX and ran an Equifax Report which showed no inquiries were made over the past two years. I have no negative accounts, collections or public record information showing on the Equifax report. I have worked 40 plus years to get my credit to the highest point possible and find now my credit score is dropping! How can this be remedied?
Product: Checking or savings account

Welsfargo has charge multiple overdraft fees sometimes even 2 to 3 times for the same item. 
Just recently XX/XX/XXXX  they charged me XXXX twice for the same transaction. I wish I could remember more dates. But its been super inconvenient and hard to recover financially when you constantly getting overdraft fees.
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX with Barclays last year. One of the benefits was an introductory APR of 0 %. This month I had a feeling that the promotional APR was coming to an end. When I checked my XXXX statement it listed the promotional APR in the Interest Charge Calculation table, however, under the Promotional Rate End Date there was no date listed. I called Barclays customer service and the agent gave me 2 end dates as the information on their end was not clear. It wasn't until we went through each statement to find if the date was listed, that we found the actual end date. This information was last printed on my XX/XX/2022 statement. 

This feels suspicious to me as if Barclays was hoping I would miss the promotional rate end date and owe all the back interest. 


I wanted to report this because it just is not right.
Product: Checking or savings account

On XX/XX/year>, a charge of {$740.00} was made to my Cash App card, which I did not authorize. Upon noticing the charge, I immediately reported it to Cash App and ordered a replacement card because mine was missing. 

Cash App investigated the matter and denied my claim, stating that I made the transaction. They provided a list of charges I made that day but failed to realize those transactions were completed using XXXX XXXXy or digital transfersnot with the physical card. The disputed charge was made while I was at work, and I can provide proof of my attendance to verify this. 

This has caused significant financial hardship, especially during the holiday season. I paid for a service I didnt receive, and the denial of my claim is unjust. I have taken all the appropriate steps to report the issue, but Cash App continues to deny my claim despite the evidence. 

I am seeking a full refund of {$740.00} for the unauthorized transaction and a detailed explanation of why my claim was denied.
Product: Mortgage

Around XX/XX/2017 I was in the process of getting a home loan with XXXX XXXX XXXX in XXXX IA, in that process I had received my letter of credit approval, I did everything the mortgage company asked on paper submitting paper work in. Well we got to closing date and then after all that work and having the seller ready to close the mortgage company said we couldn't close because I did not qualify. Well I called the company and then the confusing part and what makes me want to share so public know. Is that my Wife had used them in the past and my daughter was in the process as well of getting a mortgage loan from them. They started mixing my personal stuff with my wife 's company files from when she had used them. I asked them with what authority or who had let them go through my wife 's files so they could qualify me? My wife called as their agency was calling her company to get financials from her which were not necessary. She let them know that she had nothing to do with the loan that I was getting or her company. Then when I talked to them again they were trying to mix my file with daughters file so I could get qualified. Then the Seller reached out to them letting them know how unprofessional they looked in doing so they told the seller without my consent giving them false financial information about my family. I ended up taking my business somewhere else and luckily the seller understood and we closed with another mortgage company. Again the suspicious thing is they had no authorization to do that without my daughter and myself being aware. to We stopped the process I wanted a proper explanation all I got was that I had no need for the loan and that they made a reference towards my family as we did not have money without facts that excuse seem the most unprofessional excuse. I would not recommend this mortgage company to anybody their employees say one thing give you papers and then last minute always changes with huge increases and little explanation to why, also the fact that they are using other peoples files to approve another person raises a flag. I do urge this be investigated in dept so this experience and public people files are safe.
Product: Credit card or prepaid card

I used points from my Chase Sapphire Reserve card to make a car rental booking. I was then charged for the car rental as well. I have spent hours and hours dealing with both Chase and XXXX to resolve this issue. I have emails from Chase and XXXX saying they agreed I was double billed, but Chase still has not taken off the charge from my credit card. The car rental was from XXXX XXXX, 2020. Points were deducted from my account on XX/XX/2020 in the amount of XXXX points worth {$740.00}. They even deducted too many points and technically owe me {$83.00} back or the point equivalency as well. Then my card was charged {$660.00} on XX/XX/2020 by XXXX for the rental. I still have not received a refund and my points are still gone. I have spent hours on the phone with both Chase and XXXX and exchanged numerous emails as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently changed my full name XX/XX/2020 for religious purposes according to my faith and beliefs. Credit bureau 'EQUIFAX ' was informed several times of the update to remove previous name from the reports which they've also received ( Sent certified, tracking mail. ) numerous of copies of the legal documentation from the New York Civil Courts of approved stamped documentation thereof. 

Called the credit bureau many times to let them know, which they've mentioned on call to had receive such documentation and did informed them that I was not able to access my credit nor file is revealed to myself which update has not been processed. 

I was hanged up on many times and last time I was able to review credit report I've mentioned in certified mail accts : XXXX/XXXX ; SXXXX/XXXX XXXX ; XXXX XXXX, XXXX. ; XXXX XXXX, are reporting Unverified Late Payments which is not true to please have this updated in my file. 

They also mentioned that theres not a credit file for myself which is inaccurate as well since after myself sending dispute thereof listed, in thoughts that information of name change was complete which come to find out was reversed and never dealt with fully and ignored.
Product: Credit reporting or other personal consumer reports

What happened is that my rights under the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws were violated in multiple ways. These violations have negatively impacted my credit standing and caused me unnecessary stress. Here 's what occurred : Willful Noncompliance ( 15 U.S.C. 1681n ) : You accepted and reported credit information about me without verifying its accuracy. This willful negligence is a clear violation and is subject to civil penalties of up to {$1000.00} per occurrence.

Failure to Disclose My Rights ( 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ) : I was not informed of my right to opt out of sharing my personal information, which is required under the FCRA. This omission violated my rights as a consumer and was deceptive.

Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) ) : You reported inaccurate or unverified information, including entries for XXXX XXXX XXXX XXXX, and XXXX. These entries are inconsistent, misleading, or not validated as required by law. 

Unauthorized Hard Inquiries ( 15 U.S.C. 1681b ( a ) ( 2 ) ) : My credit report includes unauthorized hard inquiries from XXXX, XXXX XXXX, and others. These inquiries were made without my written consent or a permissible purpose, violating federal law. 

Unfair Debt Collection Practices ( under the Fair Debt Collection Practices Act ) : You reported debts and accounts without my consent, leading to unwarranted contact from creditors and causing me unnecessary distress. 

Improper Disclosure to Third Parties : Debt collectors disclosed information about alleged debts to third-party credit reporting agencies, violating privacy regulations and protections for location information. 

Deceptive Late Payment Reporting : You reported " late payments '' on my credit file without clearly defining what constitutes a late payment. This practice is misleading and violates the accuracy standards required under the FCRA. 

Failure to Accurately Determine Finance Charges : You failed to properly calculate finance charges, which is a responsibility of credit reporting agencies. 

Improper Reporting Without My Consent ( 15 U.S.C. 1681b ) : You reported information on my credit report without my authorization or a valid purpose, directly violating permissible use requirements. 

These violations have caused significant harm to my credit report and my financial reputation. I have demanded that you address these issues immediately by correcting inaccurate information, removing unauthorized hard inquiries, and properly validating all reported accounts. 

If these matters are not resolved promptly, I will be forced to take legal action to protect my rights under the FCRA and other applicable laws.
Product: Credit reporting or other personal consumer reports

This is my another refilling of complaint to XACTUS LL for allowing fraudulent inquiries on my credit report and it seems they are not taking action on my this very alarming concerns of mine. As I checked my recent credit report, the unauthorized hard inquiries since I never authorized any of these companies and are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance XX/XX/2022 XXXX XXXX XXXX XXXX XXXX This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX ) XX/XX/2022 This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX  This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows. 

XXXX XXXX XXXX XXXX XXXX XXXX  This account is showing up as an inquiry on my credit report. I have already tried to dispute this account and it still shows.
Product: Debt collection

I am filing a formal complaint regarding inaccurate information on my credit report and the credit reporting agency 's failure to resolve my dispute properly. despite my attempts to address this matter directly with the credit reporting agency and/or the data furnisher, the issue remains unresolved. 
credit report agency : XXXX, XXXX, XXXX incorrect balance/ late payment incorrectly reported I previously submitted a credit dispute to XXXX XXXX XXXX XXXX XXXX with no response. this issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, So in  XXXX  we applied with   XXXX   XXXX   XXXX   for  a Business   Cre dit Card we Authorized them to do a Hard Inquiry on   X/X/   17. Then realizing this product did not waive Foreign Transaction Fees we   reached out to them to possibly do a product change to a  Travel c ard which does waive these fees. They stated it would require another  Hard Inquiry w hich reluctantly we agreed to on    XX/XX/XXXX /17 .  Other than these  2 oc casions I did not make any other authorizations do to a  Hard Inquiry on  my credit report either on       XX/XX/XXXX /17 or  XX/XX/XXXX /17.  Today I just got a notification from  XXXX  that there was new activity so I logged in and saw a new Inquiry I have n't called    XXXX   XXXX   XXXX    or spoken to any of their representatives at all today or even this week. Then I went on Transunion 's site to dispute it and noticed another pull from   XXXX   from   XXXX   XXXX   XXXX  . This is crazy,  XXXX  inquires in not even 4 months from them. I tried to dispute it with Transunion because I did not authorize them for a  Hard Inquiry, o r even a soft  Inquiry for  that matter, but they would n't let me. I contacted  XXXX  they told me to file a CFPB complaint against Transunion so that 's what I 'm doing.
Product: Payday loan, title loan, or personal loan

Back in XX/XX/2018 my checking account was hacked which resulted in me missing a couple payments. When I got a new checking account number I tried to explain it to the company but they told me that they could not help me unless I paid the entire past due balance or paid the entire loan amount. Of course that was not possible. Now my friends, family, and old job sites are getting phone calls looking for me and threatening to garnish my wages. They called someone today, XX/XX/18, and told them they were going to garnish my wages if I didnt call back. They also stated that they sent numerous letters and made several phone call attempts to me without success. Unfortunately this is not true. I have never received a call from this company nor have I ever received mail from them. 

I need assistance to get them to stop calling people I know and my previous employer.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like these inquiries removed, customer service at Transunion would not remove these fraudulent inquiries off of my credit report for me. 


XX/XX/2018 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX XXXX XX/XX/18 XXXX XX/XX/18 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To all XXXX XXXX publishers and providers of FRAUDULENT INFORMATION. EQUIFAX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX THE CONSUMER IS AWARE OF YOU DEPRIVATION, CONSPIRACY as well as your FRAUDULENT ACCUSATIONS and IDENTITY THEFT COMMITTED BY YOUR LYING XXXX COMPANIES. I HAVE MADE NO INQUIRIES, REQUEST OTJER THAN REMOVAL OF ANY FALSE DEBT, ACCUSATIONS FROM MY NAME AND MY CREDIT REPORTS, YET FOUND INQUIRIES AND IDENTY THEFT COMMITTED BY YOUR COMPANIES AS WELL AS THE INTENTFUL COVERUP OF MY IDENTITY. BEING STOLEN BY THIEVES IF WHOM WERE SUCCESSFUL IN STEALING MY INFORMATION, GAINED ACCESS THROUGH YOUR XOMPANIES AND USED MY INFORMATIIN TO GAIN PROPERTY USING MY NAME. YOU HID MY PATICIPATION BY APPLYING TAXTICES THAT WERE UNLAWFUL IN EVERY ASPECT TO HIDE THAT FACT THEN LIED BY OBSTRUCTION TO KEEP THE FACTS HIDDEN FROM THE WORLD COURT, AS WELL AS THE FCRA AND THE FEDERAL TRADE COMMISSION! YET I HAVE EVIDENCE AND SOLID PROOF TO SHOW THAT ALL OFF YOU ARE ACCOUNTABLE FOR HARM CAUSED BY YOUR DECWIPT TO DEFRAUD THE POULATION OF EBER RECEIVIMG PROPER REMEDY! BECAUSE OF THAT PROOF, ALL OF YOU WILL BE FOUND GUILTY OF SEDICIOUS FRAUD, TAMPERING WITH EVIDENCE, AND CONSPIRACY TO DEFRAUD THE PUBLIC TRUST THROUGH IDENTITY THEFT! I HAVE THE PROOF AND THE CASE FILES TO PROVE IT! SO XXXX ALL OF YOU! YOU WILL DELETE ALL INQUIRIES, ALL FALSITY OF ACCUSATIONS FROM MY CREDIT REPORTS AND RENDER TO THE CONSUMER ALL REMEDY AND STATUTORY DAMAGES OWED FOR HIDING ALL PROOF OF SUCH EVENTS AND DISTRACTION BY ALLEGATIONS OF THE CONSUMER 'S CHARACTER AND CREDIT STATUS THROUGH MONETARY DAMAGES THE CONSUMER RIGHTFULLY DESERVES! YOU HAVE ALL BEEN WARNED!!