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

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This complaint has been submitted to the CFPB XXXX request, under FCRA 605B ( 15 U.S.C. 1681c-2 ), that XXXX, Experian, and XXXX block the fraudulent information on my consumer credit report within four business days of receiving this notice. The fraudulent, inaccurate, and false information includes the following accounts : An auto loan opened with XXXX XXXX on XX/XX/XXXX A bankruptcy XXXX XXXX  filed on XX/XX/XXXX These fraudulent accounts have led to several unauthorized hard inquiries and collection items appearing on my FICO credit report. I have attached a copy of my FICO credit report from XXXX that reflects these fraudulent accounts. 

I do not recognize any of the accounts, collections, or hard inquiries listed above, as they were not opened, initiated, or authorized by me. All these items are the result of identity theft and fraud. Enclosed is a copy of my FTC Identity Theft Criminal Complaint ( # XXXX ) as evidence from the Federal Trade Commission confirming that the accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Between XX/XX/XXXX and XX/XX/XXXX my WELLS FARGOS Credit Card was removed for my credit report, but it came back on my report this account should be off my credit report.
Product: Vehicle loan or lease

GM Financial Inc. 

Background I have a lease with GM Financial. GM Financial uses XXXX XXXX as their payment service. I setup automated payments via XXXX XXXX at lease inception. I was unaware that automated payments automatically ended after a 2 year time frame. I was subsequently late on my GM Financial lease. 

Issue At time of lease, I setup a user profile on GM Financial website with all of my current phone, email, address information, re-updated when I moved as well. When lease was taken, salesperson copied all my contact info from a prior lease and I signed, not reviewing my phone number. 

When my auto payment was stopped, I was not informed by either phone, email, or mail. When my account went late, I was not informed by either phone, email, or mail. GM Said they called my phone number on my original credit application, not the phone number on my online account with them. They said the collection department and online accounts don't link.

What is happening with this type of non-communication.

The only reason I found out that I was late was because I applied for a mortgage and the lender informed me as such. If I didn't run my credit, I would of found out when a repo truck pulled in front of my house to take my vehicle. GM goes out of their way not to inform people when payment processes change, or even when they are late. They do this so they can increase income via late fees and eventually repo the cars for non payment. 

This is predatory lending at it's definition. 

To summarize. I have made payments online for 2 years via auto-pay on time. My auto pay cancelled without me knowing. GM Financial failed to contact me. I went late, GM financial failed to contact me with information that they have had in their systems. I would of never found out unless I ran my credit. 

I can only imagine the type of negative impacts this is having in communities that are less fortunate. Excessive fees added into balances can cause people to default. This has to be stopped. GM Financial has to make all efforts to inform their customers when a payment goes late. 

These types of actions are decimating the lower income communities by charging more fees and hurting credit so borrowers have increased costs on future loans.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a thorough and reasonable investigation when a consumer disputes inaccurate information on their credit report. However, in my case, the three major credit bureausExperian, XXXX, and XXXX to fulfill this obligation. Their investigation was neither comprehensive nor sufficient, as they did not properly verify the disputed information or consider the supporting evidence I provided. This negligence directly violates the FCRA, which mandates that all disputes be handled with due diligence to ensure the accuracy and fairness of consumer credit reports.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I received a text message at approximately XXXX in the morning was I trying to attempt {$390.00} at a XXXX XXXX Reply XXXX or XXXX so I replied No! A little after that I received a call from XXXX was I trying to transfer {$20000.00}? I told them No! Then right after that I received yet another call from XXXX that someone was trying to transfer an additional {$5000.00} dollars at that time I asked the associate what was going on and he told me that they were attempting fraud on my account and that was all of the information he could give me. Once I hung up with him I immediately called XXXX myself and was connected with the fraud department and started asking more questions and that's where they started to fill me in that they had committed fraud on my account and they were able to stop the {$5000.00} dollars, but the {$20000.00} had gone through to someone by the name of XXXX XXXX located in XXXX Georgia ( who I absolutely do not know )! I don't know anyone in Georgia as I reside in XXXX XXXX, Tx. At that time we began my claim and they walked me through steps to delete my account and App and notified me that my account which the transfer occurred in would be frozen then terminated all together. I stood on the phone with them for hours as I talked to many individuals that day ( see call log for the XXXX attached ). My account was frozen and I had no way or means of accessing my money until I had to get another debit card for another account I had. Chase notified me that because it was over a certain amount of money, they would have to send me some paperwork to fill out so I waited. Once I received the paperwork, I filled it out and submitted it back to Chase. After waiting and waiting I finally received a response from Chase stating that they were not going to be returning my money because they found that I had voluntarily given my information out and this was my fault! So here we are! I Did Not Authorize for any amount of money to be withdrawn from my account, never gave anyone my information ( not even my own kids have that info ), never filled out any paperwork for money to be withdrawn, never spoke to anyone about withdrawing money to someone I Don't Even Know!!! That money was from an inheritance I had received from my mother whom I had lost XX/XX/XXXX. I had plans to do some things to our home that mom couldn't do because she passed on. There's No Way I would have just given that money away like that especially to someone I Don't Know!!! I asked Chase many questions but was told this was an ongoing investigation and they couldn't tell me anything! I don't know why Chase couldn't contact the other bank where the money went to, and try and reverse the transfer? I feel like my hands are tied behind my back as I am one being against the machine. All i want is my {$20000.00} back because I didn't authorize that transfer and I trusted in Chase to have my back and protect my investments with them and this happened!
Product: Checking or savings account

TD Bank has this offer on their website till today saying that if you open a new TD Complete checking account, you will receive {$300.00}. I clicked on that link offer on their website to open my account on the XXXX XXXX of last year. I opened my account and fulfilled all the conditions. 

First of all, that offer was saying that it could take up to 180 days for to get the bonus. As of today, I haven't received anything. 

6 months later when I called them for my bonus, they are stating that to qualify I was supposed to get that offer through the mail. 

This is totally insane and doesn't make any sense. They are trying to abuse me and don't want to respect my right. 

Since I have been calling them for weeks, they want to offer {$200.00} instead of {$300.00}. 



ALL THIS ON THEIR WEBSITE IS FALSE ADVERTISING TO ABUSE CUSTOMERS LIKE ME. I feel abuse and trap!!!!!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My PayPal account was fraudulently used to make a {$230.00} purchase from XXXX with my credit card. On XX/XX/2022 at XXXX I received a text message from PayPal that my account had been charged {$230.00}. Upon inspection, my card had been used via PayPal to purchase a XXXX Thermostat going to one XXXX XXXX in XXXX, NY. I changed my PayPal password, removed all payment methods, and reported the fraudulent charge to my credit card company. PayPal portal keeps crashing when I try to report the charge. I have notified XXXX who are working to cancel the order.
Product: Credit card or prepaid card

$ ends up missing from account. I live broke off of my mother. It's what she send me. I used to have more XXXX The money I had/have disappears from my accounts. I constantly have password issues. I'm convinced that my electronics are hacked however apart of this process is hacking into web platforms, i.e. Chime Bank. Just the other day I logged into Chime and got two different platforms. I look at my account statements and they never reveal where my money has gone. I write emails and send chat messages the money is never recovered and my account statements never show money going in or out of the account and points with higher balances.
Product: Credit card or prepaid card

My XXXX claims from the bank of america prepaid edd card services were stolen in entiriety totalling in {$12000.00}. I have exhausted all efforts to obtain the money from their claims department and custoemr servicr which never answers or leaves me on hold for 3-4 hrs at a time. They have also made false statements against their policies. i am too the point that im going to be taking this to court if i dont get my reimbursement. its been since XXXX i believe when i first dicsovered this and made a claim. they supposedly fid their investigation in XXXX and early XXXX i never received correspondence but obviously was not found to be of any fault because i wasnt and can easily prove it. They literally closed my former account in order to cover this mistake up i believe and said they cant send me my statements from that card account now. Fraaud is ridiculous with this company.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

ATTACHED YOU WILL FIND A SETTLEMENT LETTER THAT WAS PAID AS AGREED BY XXXX XXXX. THE SETTLEMENT AGREEMENT STATED THE ACCOUNT WOULD BE CORRECTED TO READ AND REFLECT AS A PAID IN FULL ACCOUNT AND CORRECTED TO READ AND REFLECT AS A PAID ON TIME ACCOUNT WITH NO DELINQUENCY. 

TO DATE THE ACCOUNT STILL SHOWS TO REFLECT A DELINQUENT AND OPEN ACCOUNT. THE ACCOUNT SHOULD REFLECT PAID AND ALL DELINQUENCY CORRECTED TO BE PAID ON TIME WITH NO 30/60/90 DAY DELINQUENIES.
Product: Credit reporting or other personal consumer reports

Today, XXXX XXXX, I received an emails from your company indicating your company added my husband name as a spouse, which I deleted before, just because he was not co-applicant or whatever. One of mail ( XXXX ) stated to submit the documents to remove fraud alert. Since I am on process to request extended fraud alert, this email was really indignant one. If this company considers I should remove the alert without asking me and consent, this company needs to explain the reason with written statement.
Product: Mortgage

My Carrington Mortgage account was opened on XX/XX/XXXX. I have a VA loan and no escrow account is required. Since the account has been opened, I paid my insurance and taxes out of my own pocket. On XX/XX/XXXX, without my knowledge, Carrington Mortgage set up an escrow account and paid my taxes. I had already paid my taxes on XX/XX/XXXX. I did not send anything in writing to Carrington Mortgage authorizing them to set up an escrow account for taxes however someone in their escrow department looked up my information on the XXXX XXXX website and took the liberty of setting up the escrow account. Now I have a negative balance in the escrow account which has influenced my monthly mortgage payment. I shouldn't have an escrow account in the first place. When I asked Carrington Mortgage who created an escrow account ; they couldnt tell me who wrote to them to have the escrow account opened. My credit card limits were cut, accounts closed during COVID-19 pandemic and I have been a victim of identity theft. I never called in during the COVID situation and asked for any assistance on my home loans so I don't know why my account is being tampered with.
Product: Student loan

Initially tried to pay my loan in full ( {$21000.00} ) on XXXX XXXX XXXX After previously speaking with multiple representatives and hearing them confirm that once all banking information is inputted with the full amount, the loan would be payed off and I'll receive a confirmation. I went through the process and submitted my first attempt to pay of the loan in full in the afternoon on the XXXX. After waiting XXXX days I logged in and notices that my payment had been reversed the same day I attempted to pay it off. I then submitted a second attempt to pay the loan off in full, which had now accumulated interest, on XX/XX/XXXX. The same thing happened and received a notification that my payment had reversed the same day.
Product: Debt collection

Please see complaint XXXX for background. 

The credit company listed in previous complaint would not answer my attempts to resolve debt. XXXX XXXX XXXX passed the claim my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. All communication between myself and XXXX XXXX documented in previous complaint. They then sold my debt at of XX/XX/2018 to XXXX. 

They ignored multiple communications from myself attempting to resolve this debt and have now passed along my details to another debt collector who has added additional collection fees. The debt keeps raising and no one is willing to resolve this debt because they say it is no longer theirs, as XXXX XXXX did on the original complaint. 

Is this behavior legal because it appears to be a manipulation to extort additional fees and an active ignoring of my attempts to resolve this debt. This pattern began with XXXX XXXX and has continued.
Product: Checking or savings account

I signed up for a Capital One 360 Money Market account XXXX, with the offer code XXXX attached. I was able to confirm I had the offer code attached to my account ( please see chat transcript ). The terms of the offer stated " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXXXXXX XXXX. ET on XX/XX/XXXX, and XXXX XXXX  ET on XX/XX/XXXX. '' I did cumulative deposits of {$50000.00} between XX/XX/XXXX and XX/XX/XXXX. That should have triggered the bonus. 

According to the terms, " Capital One will deposit the {$500.00} bonus money into your account within 60 days after completing the above conditions. '' Now, 60 days after the last deposit, I contacted Capital One to inquire about the bonus. On XX/XX/XXXX, I contacted them both via chat and phone. They are now saying that a balance over {$50000.00} was supposed to be maintained, but that was never indicated in the terms of the offer when I signed up. They are saying that was the intent of the offer, but was not indicated in the terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained a copy of my credit report and I have unauthorized inquiries reporting on my credit. This is extremely frustrating and scary considering someone has been applying for credit using my information.
Product: Mortgage

Submitted request for modification and mortgage servicer didn't process with loss mitigation correctly.
Product: Student loan

XXXX paid off our federal student loan than we were told we owe a loan to a private company Navient, we have tried to make arrangements to make payments but were told they would only accept the full amount yet they keep posting on our credit that every month were late with payment, damaging our credit is this legal for them to do this if not could you please look into this
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
for XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 a 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting or other personal consumer reports

My account with 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

I've recently reached out to XXXX, Equifax, and XXXX in regards to information being reported by the bureaus and asked of them to validate the information and provide me with results and an updated report showing any unverified accounts removed. I have not received any information. My profiles with these bureaus are still showing multiple inaccuracies and I've sent multiple letters. This has been affecting my credit worthiness and I'm not able to obtain new credit in results of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX twice to add a user to my card. I was told that i can add a user WITHOUT my credit being run - PLEASE XXXX GO LISTEN TO THE PHONE CONVERSATIONS. 

XXXX ran my credit on two occasions to add a secondary user to my card but on the phone conversation i was told and i verified " You credit will not be pulled '' i did not give consent. I have called and written XXXX for years and many times about the UNAUTHORIZED hard out of my credit .This is illegal and unethical. I did not give permission and i specifically asked to make sure that my credit would not be pulled and was issued that it would not be. It still was an NO ONE WAS ADDED on those two days
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my credit report that arent mine
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING, I HAVE THE RIGHTS UNDER 15 USC 1681. TRANSUNION IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, TRANSUNION AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS. 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Two charges were applied to my checking account that I did not make. There was not enough XXXX XXXX XXXX in my checking so whoever did these two charges made a phone transaction to my bank to transfer funds from my savings to my checking. 
I alerted Wells Fargo on this problem and they started a claim to look into it. 
The results were one charge of {$3900.00} was deemed fraudulent and was closed. The second charge of {$690.00} was deemed as being a legitimate deduction. Once they make that decision they will not listen to anything else I have to say or reopen the case. 
The second charge company was XXXX  XXXX. Address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida XXXX. Phone # XXXX XXXX XXXX. 
I have tried to call them a few times but never get any answers as to what the name of there business is or what they do. They just hang up on me. Not sure how Wells Fargo got any information from them saying the charge was legitimate. 
A real odd point is both charges were made the same day with one being fraud and the other legitimate. I guess one thief didnt do it right to not get caught. 
I