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

OnXX/XX/XXXX, GM Financial inaccurately reported to all 3 credit bureaus that my vehicle was charged off in XX/XX/XXXX. I have had an active account with GM financial since XX/XX/XXXX, and my vehicle has never been repossessed or charged off. Prior to the reporting, I contacted GM customer service on XX/XX/XXXX to question why myXX/XX/XXXX payment was reported to the credit bureau as being late. I paid theXX/XX/XXXX payment 8 days prior to the due date. I also questioned why my XX/XX/XXXX payment was never reported. The rep I spoke with had horrible customer service skills. I requested supervisor assistance and the rep stated the supervisor was not available and disconnected the call. I reached out to the corporate complaint office and left a voicemail. XXXX XXXX called me back and appeared to be concerned and eager to help. She confirmed that my XX/XX/XXXX payment was made within 22 days, and my XX/XX/XXXX and XX/XX/XXXX payment were paid. She also confirmed that the next payment due was not until XX/XX/XXXX. She assured me she would look into the issue and call me back. I never heard back from XXXX XXXX. A week later I left her a voicemail requesting a follow-up. To date, XXXX XXXX has not returned my phone call. I received a letter in the mail from XXXX XXXX. I have included a copy of the letter with this complaint. The letter states GM financial will correct the information with the credit bureau to show no credit mark for the month of XX/XX/XXXX. How horrible!! The company has not reported for XX/XX/XXXX and instead of correcting XX/XX/XXXXthey chose to report no mark. What they actually ended up doing was reporting my account as a charge-off. This is absolutely ridiculous for a major corporation, its adversely affecting my credit report and credit score, and is a poor way to treat a customer.
Product: Credit reporting or other personal consumer reports

I called the reporting agencies and let them know the inquires in the document included below are not suppose to be visible on my consumer report I never gave them written consent to report them.
Product: Bank account or service

My checking account with Wells Fargo was overdrawn by over {$200.00}. At that point I submitted a request in writing, using the secure message portal from my online profile to have my checking account closed. Wells Fargo chose to leave my account opened for several weeks while charging me excessive fees for attempts made on my account to collect payments. Wells Fargo also processed many of the transactions, putting me further in debt. By the time they decided to close the account, my checking account had been over drawn by almost {$2000.00}, with almost have being attributed to fees. This is a clear violation of what they have vowed to do different after being fined for the same behavior.
Product: Mortgage

Questioning possible fraudulent mortgage by XXXX. I was not working at the time. This mortgage should have never been written, according to several employees at XXXX, because of suspicious appraisal. I have attached a list of at least XXXX reasons why this should have never been done. I was told that I should sign the loan documents and the problems would be resolved after the signing. A manager told me this. The issues were not resolved. Although they did refund the appraisal fee because of major inaccuracies. ( The appraisal said there are no bedrooms in the house because there needs to be a closet for the room to be considered a bedroom- There is only one room, on XXXX floor that has a closet and the appraisal does n't mention that at all ) This loan was later sold to XXXX XXXX XXXX , then before it was sold to M & T Bank , I called and warned them that this was a fraudulent loan and they should not accept.
Product: Credit reporting, credit repair services, or other personal consumer reports

They took more than 30 days to investigate my case they must remove any items in questions according to the FCRA. YOU MUST DELETE XXXX XXXXXXXX  {$21.00} ACCOUNT IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

Ive provided proof of my identity being stolen and compromised by fraudsters, my police report, my FTC report, court documents, with my proof of identification documentation, and my address verification to this company to prove my identity, and innocence. This company continues to support fraud by illegally furnishing incorrect and fraudulent information on my credit report that Is against my rights. This company has violated my consumer rights entirely. This company did not protect me, and my information. This is the 7th notice Ive sent to this company, and this company continues to ignore my rights as a consumer and furnish fraudulent inaccurate accounts and addresses on my credit report. This company also committed fraud along with the perpetrators by violating my rights. I as a consumer should have my rights under the FAIR CREDIT REPORTING ACT RESPECTED, PROTECTED, AND INFORECED TO KEEP ME SAFE AS A CONSUMER. AFTER THIS 7TH NOTICE, WITHIN 14 DAYS I WILL BE FILING A MOTION TO SUE THIS COMPANY FOR PAIN AND SUFFERING AND MY RIGHTS BEING VIOLATED UNDER THE FAIR CREDIT REPORTING ACT. I HAVE PATIENTLY GIVEN THIS COMPANY MORE THAN 30 DAYS TO VERIFY THESE FRAUDULENT ACCOUNTS, AND REMOVE THEM, BUT THESE FRAUDLENT ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT. THESE FRAUDULENT ACCOUNTS SHOULD BE REMOVED IMMEDIATELY, BUT THIS COMPANY CHOSE TO VIOLATE MY RIGHTS, AND NOT HONOR MY IDENTITY THEFT CLAIM. IVE TAKEN 4 MONTHS TO GO TO A POLICE DEPARTMENT AND FILE A POLICE REPORT, SEND LETTERS TO THIS COMPANY CONSTANTLY REGARDING THESE FRAUDULENT ACCOUNTS AND THIS COMPANY IS NOT HONORING MY RIGHTS AS A CONSUMER.
Product: Vehicle loan or lease

The loan was taken out XX/XX/XXXX, in my XXXX XXXX says there is a balance of XXXX and also it says that the payment status is in collection/ charge off and that the last payment was made XXXX XXXX. The bank name is Santander Consumer USA.
Product: Debt collection

I stopped being a XXXX customer in XX/XX/2016. I contacted the company and told them I wanted to pay my bill and stop being a customer. I was not under contract. They refused to close my account. I reported this fraud years ago and it was removed, but it has been readded to my credit report without my knowledge, I just recently found out whilst trying to apply for a personal loan
Product: Debt collection

On XX/XX/year>, I sent a letter of dispute to XXXX XXXX XXXX. In this letter, I requested that they provide their original purchase agreement showing they are the legal owners of this debt. They still have not done so. They have only provided my credit card statements. Nothing that shows they have the right to collect this debt.
Product: Checking or savings account

I had fees charged to me for a low balance, so I called the bank to fix the issue, so it never would happen again. I have XXXX accounts at Bank of America. They actually transferred money from XXXX account to the other, so that the balance would be above the thresh-hold. They actually made the transfer. Since then, the money has never been below the thresh-hold, but they charged me a {$25.00} fee on XXXX account and a {$12.00} fee on the other account. I talked to the bank and they declined my request to reimburse me. It was their error, not mine. I know these are small amounts, but they have taken my money, after they supposedly fixed the problem.
Product: Mortgage

Below is a letter that I sent to the office of the customer. To date Ive not received a response. 

Re : Loan number XXXX XXXX XXXX XXXX XXXX and XXXX I hope this note finds you all doing well. I am writing you on as conservator / guardian of my mother XXXX XXXX XXXX. I have recently been appointed to this role given my mothers official diagnosis of XXXX / XXXX earlier this year. Based on findings from her XXXX she has likely been living with this condition at least the past 5 years. Im happy to share a copy of this diagnosis if helpful as you evaluate this situation. 

In connection with my appointment as conservator, I have been actively working to get a handle on her financial situation. Unfortunately its pretty bleak and we are discovering a situation of maxed out credit cards, online fraud and many other situations that continue to surprise us. 

In connection with receiving access to the referenced loan above, I was tremendously shocked to see that this loan had {$3300.00} of accrued late fees associated with it, knowing that my understanding was that my mother always prioritized paying her mortgage every month. 

I have had a number of conversations with very helpful Loan Care agents who directed me to you, as the only resource to hopefully remedy and rectify this situation. To date, no one has been able to provide me with a detailed breakdown of the accrued fees that resulted in the aggregate balance. It sounds like a significant portion of this was charged prior to Loan Care assuming the servicing for this loan in 2019. 

Im still waiting for a detailed breakdown to learn more ; however, assuming a {$34.00} per payment charge, this would imply that my mother was charged late charges approximately XXXX times, which seems a bit excessive. Based on discussions with agents, it appears that perhaps my mother had incorrectly set up her auto debit at the end of the month vs. the beginning of the month, but has always made consistent monthly payments on her mortgage. Given that this mortgage recently transferred to you all, it is unclear as to whether anyone ever tried to call my mother to make her aware that she had incorrectly set up her auto payment at the end of the month. My mother says that she does not recall anyone ever contacting here, but given her current and prior mental condition, Im not sure we can say that unequivocally. 

We are in the process of getting her property sold and getting her moved into an assisted living facility. Im hopeful that we will be able to sell the property and settle the remaining mortgage balance and pay you guys in full. However, I am asking for your sympathy given the circumstances associated with the situation and waive/ write-off these excessive, and I could argue potentially deceptive and predatory late fees that unfortunately were charged XXXX times to an elderly woman who made a monthly payment every single month, based on my records but somehow set up her auto draft to occur at the end of the month, versus the beginning of the month. 

Please dont hesitate to contact me directly at XXXX or at XXXX if I can be of further assistance or provide any additional information
Product: Credit reporting or other personal consumer reports

I already disputed these accounts and they continue to be reflected incorrectly on my credit report, I request that they be removed immediately for violation since they are incorrect and fraudulently opened. The account are : XXXX XXXX XXXX  # XXXX
Product: Credit card or prepaid card

Response received from Walmart through the CFPB report is not accurate. On top the problems of fraud and scam continue. An e mail received from Walmart states that Walmart did not receive payment for the month of XX/XX/2019. However, I have the receipt of payment posted on XX/XX/2019. The amount credited ( XXXX ) is not the correct amount. My balance with Walmart was XXXX after I had made 2 payments on an adult trike and a XXXX tablet. Those are the only two items I charged to my account. Any other charges falsely Walmart has posted gave to be removed as I did not authorize. If Walmart insist in posting false charges, provide me a video of when did I go to store to obtain any other items. As everyone knows Walmart has records of cameras and times people shop. I need to see my account cleared. The response received is not accepted and is fraud. Do not charge me for things I do not acquire. I have posted this in the XXXX credit report and I have a receipt for the payment made in XX/XX/2019 XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX 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
Product: Mortgage

On XX/XX/year>, I submitted an application for a refinance mortgage with Carrington Mortgage. I spoke to an individual that said that my credit score was XXXX. I asked to see my credit score which he would not provide. Carrington Mortgage advertises that they accept credit scores as low as XXXX. Also, I inquired about rapid rescore when he told me that my credit score was too low. It was only then when he disclosed this option and sent an email appearing to use a tool provided by credit expert, to assist potential borrowers in increasing their credit score. In providing the steps that he claimed should be pursued could actually in fact lower my credit score, pushing me further from getting approved. My complaint is that this individual discriminated against me, a XXXX XXXXXXXX XXXX, by not readily providing information that could help me qualify for a loan. Further, the fact that a score of XXXX and the lender advertises that scores can be as low as XXXX, but refuses to provide and encourage, but uses company resources to in fact discourage the approval of an otherwise obtainable loan. I further indicated that I currently have a mortgage loan on my property that I would be paying off, which is not showing on my credit report but could be easily verified.
Product: Debt collection

I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. This letter serves as a DEMAND to validate this account : Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( XXXX XXXXXXXX XXXX XXXX XXXX ) & ( XXXX XXXX XXXXXXXX XXXX XXXX ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Product: Credit card

I am complaining to express my concern regarding an issue with changes I requested to my credit card account, which have not been processed as expected. 
I am requesting them to change my phone number they asked verification from me which I faxed 2 times and they said they haven't received it. However I am unable to use my credit card since 4-5 months. 
I am paying my bill on time regardless of this issue.
Product: Credit card

Synchrony Bank closed my account after having my XXXX XXXX XXXXXXXX XXXX  open and paid in a satisfactory manner for over XXXX years. This was apparently done after missing a payment due date by roughly XXXX week, due to changing banking account that I used to auto pay the monthly bill from. To this date I have never been 30 days late on the account. After account was closed I continue to pay the required payment monthly. As of XX/XX/XXXX my balance was reduced to roughly {$80.00} Because I missed my due date on XX/XX/XXXX, I was assessed a late fee of {$40.00} which is XXXX  % of the outstanding balance before the late fee is added. I called and cited the CFPB 's XXXX XXXX that was published to the federal register on XX/XX/XXXX and the representative at Synchrony Bank told me that their late fee charge was a lawful charge. I even offered to pay the {$80.00} balance in full even though the past due balance was only {$43.00}. The representative was unwilling to help, citing that another late fee was waived in the last 12 months. Again I have never been 30 days late on this account ever. Just to ensure that I do not incur any additional fees on this account, I satisfied the full outstanding balance on the account of {$120.00} by setting up an ACH payment for that amount today XX/XX/XXXX. I do however feel cheated in being assessed such a hefty fee for an account that I had open for a number of years and maintained in a satisfactory manner. Although I have now satisfied the balance in full I would like to be reimbursed for the {$40.00} late fee and any fees that exceed the CFPB 's final rule as mentioned above. Thanks very much for your consideration.
Product: Debt collection

This company calls me everyday starting around XXXX and I will get multiple calls throughout the day.
Product: Credit card

On XXXX XXXX, XXXX, I received a judgement against me through the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX without receiving a summons or with no knowledge of what the debt was for. Through my research, I have been informed that it is from a JP Morgan Chase issued XXXX ending in XXXX for the original amount {$1200.00} ( case # INCXXXXXXX ). I am a former Washington Mutual checking and savings account owner and a current Chase Bank account holder. I have no record of owing this money on my end and would think that since I am a current account holder and have not had a break in my account holding status with Chase Bank for the past 10 years ( even when they were Washington Mutual ), I would have been made aware of this. I know there was a Califronia lawsuit petitioned by the California XXXX XXXX XXXX that was awarded in the consumers favor for false and fraudulent debt collection practices by JP Morgan Chase between XXXX XXXX, XXXX and XXXX XXXX, XXXX. This was to be repaid by Chase Bank to the consumers for the amoutn owed plus 25 % excess above the amount owed. I have no idea how to move forward with getting reparations and the removal of the judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am reaching out to you to help me with my Experian credit report. I am a natural person, and I have proof that Experian has violated my rights by allowing this negative account to report on my credit report. 
In accordance with the Fair Credit Reporting Act, The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 
Account name : XXXX XXXX XXXXXXXX, account number : XXXX. 
15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information ANY other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 section-2 ( A ) ( 1 ) A person ( CRA ) shall not furnish any information relating to any consumer reporting agency if the person ( CRA ) knows or has reasonable cause to believe that the information was inaccurate.

Also, this collection is only reporting to my EXPERIAN credit report ONLY, as of 09.22.2022. It's not the same across the 3 bureaus, i will attach my credit reports and screenshots of my scores as well. I have no knowledge of this account and it is making my reputation look bad and not trustworthy. I have sent letters asking and demanding Experian investigate this account and remove it but have not gotten any response from them, so I had to file a complaint with you.
Product: Checking or savings account

I checked in the XXXX XXXX on XXXX XXXX check out XXXX XXXX I check online banking its has {$290.00} negative overdraft fees XXXX also service charges of {$47.00} When I call I was put on hold saying he is checking my account when the person get back on the phone he hanged up.
Product: Credit reporting or other personal consumer reports

An account appears on my credit report that I don't recognize, and I believe it may be due to identity theft or fraud.
Product: Debt collection

I always pay co-payment when I visit doctor. This does not to belong. Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my TransUnion credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Our loan was reassigned from Specialized loan serviceing to Shellpoint loan servicing on XX/XX/year>. The letter clearly stated that in 5 Key things to know. # 3 " Your mortgage terms will not change as a result of thiis migration, Howver it did change my last statement fro Specialized had our payment locked in at $ {$690.00} for the remaing balance of {$57000.00}. statement dated XX/XX/year>. Howver, when we recieved our first Shellpoint statment XX/XX/year> the previous blaance went to {$110000.00} with a new payment of {$880.00}. Our previous line of credit was only {$80000.00}? They have failed to own you to the error as it is glaringly obvious.