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

This is my XXXX  complaint with Consumer Financial Protection Bureau to report my recent experience of Financial Abuse with " GM FINANCIAL '', Compliance Department. First and forest, I am a victim of financial abuse, which has reflected on my credit report within the last couple of months. I am filling this complaint to report GM Financial for fraudulently processing my credit report over 8 attempts within the 40 days. GM Financial has processed my credit report up to eight times within the last XXXX months and running my credit XXXX  on the same day and on different occasions, which resulted in this issue. This company has abused my credit report and continues to process my information without my authorization and consent. As a victim of financial abuse, I had no choice to place a freeze/ fraud alert on my credit report with all credit bureaus. My accounts with XXXX and XXXX Credit Bureaus are currently being investigated due to this unauthorized activity in such a short amount of time. I have attempted to resolve this matter in good faith via email with XXXX XXXX, from the Compliance Department from GM. However, XXXX has been unresponsive to my emails in reference to requesting documentation of the credit report runs. I have not received any updated documentation or information on this matter from GM Financial. I have spent weeks and days attempting to resolve this matter and there seems to be no response from XXXX or this department. I am seeking a resolution to recovery my credit report. I have listed below the dates that this company has abused and processed my information without my consent. GM FINANCIAL : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023
Product: Credit card or prepaid card

Sometime last year in XXXX my credit card was closed and then in XXXX all my other accounts with Bank of America was closed by them and when I asked why I was told because we can and we dont have to tell you and now I have a debt of XXXX $ on my credit report that I cant seem to get off
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention to improve my credit and take care of my responsibilities and noticed a few accounts that I want explanation on. I am not saying they are reporting right or wrong. I also read the fair credit reporting act where it says by law, that I have the right to challenge anything I deem to be inaccurate.

Are you familiar with 15 U.S.C sec. 1681 ( a )? If proof cant be provided for any account they must be removed. I am asking for any erroneous accounts to be deleted, anything not 100 percent correct. I would appreciate a valid response and someone to respond within law and not statute. I was read in a lawyer forum on a credit website that a person has 30 days to complete this investigation. Please examine all account specimens and remove them if anything is missing or incorrect. 
I also read where I can get the updated report after you investigate this from the free lawyer forum. Could you please send it to me? Thank You and also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put in the from field.
Product: Credit reporting, credit repair services, or other personal consumer reports

During an investigation, credit reporting agency failed to provide the validity of a debt that was reported. Thr name of the collector is  XXXX   XXXX   XXXX   XXXX   XXXX ,    2017  in the amount of {$480.00}. This is not good practice snd violates my consumer rights.
Product: Credit reporting or other personal consumer reports

account under XXXX XXXX  was to be removed as of XX/XX/2024 all along due to first dt of delinquency is past 7 years and the repossession has not been removed
Product: Credit card or prepaid card

My Name XXXX XXXX. My Credit Card Wayfaire Store Changed Bank For Comenity Without My knowledge. Payment Auto From My Bank usually on Due date come no problem. But recevied Statments from New Comenity Credit Card XXXX $ Late Fee, and i think any Froud account and call Service Representative for Explanations XX/XX/2020. 
She Not explain about Name Card Change and of course im close card like not Recognized. 
Im Calling 2 Days Later and gentlemen Nicely explain about Card Name Changes, And about My 6 hour late payment. and promised to reverse XXXX $ fee, but unfortanatly account closed with Dont Care Previosly Service Representative. Of course after 1 Month XXXX $ Become to XXXX . And menager from Card, Not agree with my 3 reasons to waived Fee. 1/ Card Change name and Confuse Client 2/ One Representative # 1 Not Work Friendly and Professional ( Mention about 1 time waived late fee alredy 13 month Ago with Old Name Card ) But # 2 Another One Try to Help, but Credit Card Closed Already with Bed Represantative # 1 3/Menager XX/XX/2020 also my aprouch with this situation no accept and compromise to reopen card and keep relationship Ignore
Product: Credit reporting, credit repair services, or other personal consumer reports

After communicating with XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX team XXXX  days later. He sent me over a contract with the signature that is NOT mines also the address is incorrect. This erroneous contract did not have my apartment number on the contract the debt they claim I owe. I tried telling them that multiple times to delete this invalidate dept from my credit report neither creditor or Experian, XXXX and XXXX failed to comply. I wanted this account deleted my account immediately after I realize its on my credit report in addition of these agency is in violation of 15 USC 1692g.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items on my credit report. I have reviewed my report and found several inaccuracies that I believe should be corrected. The details of the disputed items are as follows : Equifax : US DEPARTMENT OF EDU Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX US DEPARTMENT OF EDU Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXX XXXX XXXX opened XXXX XXXX amount {$8400.00} but the federal law states the social security number belongs to the SSA and anything purchased with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31 USC sec 3123 all debts are United States Obligations and there is plenty more laws made by Congress that protect me as the consumer 42 USC 408 states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a crime.12 USC 1431 banks cant loan money because theyre the borrowers. UUC 3-104 tell us how to use a negotiable instrument,31 USC 5118. 1681 2a they arent supposed to report transactions 15 USC 1602 I am the original creditor. 15 USC 1605 finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into 15 USC 1635, 15 USC 1662,12CFR s 202,15 USC 1602g USXXXX 8, 12 USC 95a , 18 USC 894 is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of Title 18, Chapter 42 of the U.S. Code, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since XXXX knowingly and willingly deceives the American people for financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.
Product: Credit reporting

Equifax is reporting serveral different address on my credit report. 
XXXX XXXX , FL XXXX ( never lived at this address )
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau failed to verify the collection account I.C. SYSTEM, INC ( account number XXXX ). I have mailed the following letters to XXXX to dispute this inaccurate information on XX/XX/2021, XX/XX/2021, and XX/XX/2021. Please remove this inaccurate information.
Product: Checking or savings account

In XXXXXXXX XXXX XXXX between the XXXX I thought I sent my dad XXXX XXXX and I turns out it wasnt his phone number and we didnt know I called the person and they never answered I called chase and I tried to make a complaint and they said there was nothing they could do because I approved the money sent I tried to make a police report and they said there was nothing they could do as well and I never got my XXXXXXXX XXXX  I did however request the money back from the number I XXXX  it to on XX/XX/year> and I never received any money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have brought XXXX in the mix so both can mediate with each other. I have attached documents from the day this happened. Currently, XXXX XXXX XXXX has blacklisted me due to an issue with Account Fraud. Because of this, my banking access has become restricted, particularly with XXXX XXXX XXXX XXXX. 

As of XX/XX/2022, the Bank of America account ending in XXXX is the only account that is causing the restriction in the system. It's fully paid for, my other current accounts are in good standing will positive balances. If any low balance were to happen, it's been taken care of immediately in a timely fashion.
Product: Checking or savings account

The bank called me as part of CFPB complaint # XXXX internal investigation. USAA Member advocacy, XXXX XXXX, called me and repeated the same stories I have been discussing with the USAA since XX/XX/year>. I need to request a new 'Letter of Indemnity ' from the Defense Finance and Accounting Service ( DFAS ). The USAA already responded to the initial 'Letter of Indemnity ' from the DFAS . so I need to request another 'Letter of Indemnity. ' I also need to hurry because the funds have already been deposited into the wrong account. If the account owner has already spent the money, there is no way to retrieve the funds from the account, and she said it was part of my agreement, so there's nothing I can do. I demanded that she write me a letter instead of telling me over the phone and asked for her contact information, but she said I sent you my information through email on XXXX XXXX and refused to give me the information in writing. I checked the email, and she claimed it did not include her contact information, last name, or extension. The USAA employee, XXXX XXXX, is clearly providing the wrong information, and I am very concerned about the USAA 's business ethics. Is it true that you can keep the money when the bank error is in your favor? Also, what would the outcome be if the USAA had already responded to the initial Letter of Indemnity from the DFAS? And why do you keep asking me for the letter of indemnity and asking me to contact the DFAS, not trying to resolve the issue because the funds are in your bank? Does the USAA have any intent to solve this issue for me or keep putting me in the wrong direction?
Product: Debt collection

On XX/XX/year> I was served with a lawsuit to my home from PRA for an alleged debt that they say I owe them. I owe this company nothing and I completely deny this debt. I had absolutely no warning about this suit until I was served at my home by the process server and I do not know who these people are or why they think I owe them this money. 

I filed a complaint here with the CFPB about this action. The company first sent me a letter ( dated XX/XX/year> ), stating that they were interested in providing a permanent hardship whatever to me for dignity and a bunch of other words that they clearly did not mean and were only saying so they'd have something nice to show the CFPB to have them close the first complaint. I filled out this form ( XX/XX/year> ) provided an XXXX statement from the XXXX and waited XXXX and waited. I also pointed out to PRA that they had a suit against me that would have to be withdrawn if they were truly interested in making this right. To date, I have received no response to any of this. 

It is clear that PRA was just providing lip service to CFPB and has no intention of doing any of these things that they said they would do. They have not dropped the suit, they have not answered my request for confirmation that they received my paperwork and they seem to be running down the clock on the lawsuit that they filed in hopes of a default judgment against someone who owes them nothing and lives off of XXXX. Unbelievable.
Product: Debt collection

I was contacted by Portfolio Recovery Associates for a debt that was included in a Bankruptcy. They told me that if I was able to pay a reduced amount that it would not be held in collections or need to be included in the bankruptcy filing. I paid the amount ( without having it verified ) requested by the Company, as they were pressuring for immediate payment on the phone or the account would not be settled. I had no time to ask for a letter in writing or any other form of proof. I paid the amount requested, and the account still shows as a collection on my XXXX and XXXX credit reports. 

This reminds me of a published report on PRA bad practices by the CFPB : " CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts '' ( published on XX/XX/2015 ). 

I spoke to PRA and disputed the item several times, that now the Credit Reporting Agencies are telling me that I can not dispute this item again without additional information. 

I feel like I was manipulated and lied to, and now the CRAs are allowed to disregard my dispute on a technicality.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several credit inquiries for the same day and I only signed for one application in the same day. I need to delete the rest of them because they were not made without my knowledge. 
Ex : XX/XX/XXXX - I have XXXX Inquiries XX/XX/XXXX - I have XXXX XX/XX/XXXX - I have XXXX and the list goes on. 
Please I need your help on this matter which is impacting my credit negatively.
Product: Credit reporting or other personal consumer reports

My problem is with MOHELA, but I could not figure out how to describe it given the choices. MOHELA and Dept of Ed. both sent me letters indicating that my loans were forgiven under XXXX  and that my balance is XXXX as of XX/XX/year>. I noticed the loans still appeared on my XXXX credit report. I then disputed the student loan debts ( these were direct federal loans, XXXX subsidized and unsubsidized ) with all three credit reporting bureaus on or about XX/XX/year>. XXXX and XXXX wrote me back that they inquired with MOHELA, and MOHELA indicated my student loan debt was not a XXXX balance but rather the full amount prior to forgiveness. I have not yet heard from XXXX. 

I am afraid MOHELA will bide its time and reinstitute the debt once the XXXX administration takes over. MOHELA needs to inform the credit bureaus of the XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I'm trying to buy house, but i can not, because of my credit. 
i paid my accounts.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this rebuttal regarding XXXX XXXX XXXX ( XXXX ) s response to my CFPB complaint ( # XXXX ). XXXX has failed to adequately address my dispute, and their response contains several deficiencies that violate the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

Key Issues with XXXX Response : 1.Failure to Provide Certified Verification of Bankruptcy Reporting XXXX provided a copy of the bankruptcy case notice from the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX but this document alone does not constitute sufficient verification under FCRA 1681s-2 ( b ). 

XXXXThey have not demonstrated that they obtained this information directly from the XXXXXXXX XXXX XXXXXXXX XXXX rather than relying on third-party data aggregators, which increases the risk of incomplete or inaccurate reporting. 

XXXX. Shifting Responsibility to the XXXX XXXX  XXXX XXXX states that they can not amend or remove the bankruptcy record and directs me to contact the XXXX XXXX  XXXX instead. This is a direct violation of their obligations as a data furnisher under the FCRA and Metro 2 standards, which require them to conduct an independent reinvestigation and correct any errors. 

XXXX. XXXX can not shift the burden of verification to the consumer ; they must ensure the maximum possible accuracy of the information they furnish. 
Metro 2 Reporting Compliance Failure, XXXX has not provided any evidence that the bankruptcy data meets Metro 2 compliance standards, as required by the Consumer Data Industry Association ( CDIA ). Per DNP 3-4 of the Metro 2 Manual, any deviation from Metro 2 formatting jeopardizes data integrity and can result in inaccurate reporting.

5. Failure to Address Discrepancies in Reported Information The address listed on my bankruptcy record does not match the data reported by XXXX, demonstrating potential inaccuracies in their reporting. 
XXXXs response does not confirm that they have matched all data fields correctly to ensure the record belongs to me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Publishing of Listed addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 



15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I had an outstanding balance with a hospital after being cared for that I paid off ( and have proof of payment ). Several months later I was contacted by a collections agency claiming that I had not paid my debt when I had indeed done so.
Product: Debt or credit management

I am being called CONSTANTLY by this company despite requesting them to STOP. I have screenshots if need for evidentiary support.
Product: Checking or savings account

I have over {$100000.00} USD in my capital one business banking account. 

On XX/XX/XXXX I gave them a calling asking why my wire transfer was not going through. This is in the morning. By the evening I realize that my account is locked and I am given a number to call. 

The morning of XX/XX/XXXX I call and stay on hold before finally getting connected to a rep who tells me someone from the consumer protection team will call me up before XXXX EST friday the XXXX. Apparently I am missing some documents which they should have requested when I created the account over a month ago so they suspended the account. They just needed the documents sent to them. But they woud n't tell me where to send just to wait for a call. 

No one calls me. I call up on Monday the XXXX but they cancel the call saying they are closed. 
I now call Tuesday the XXXX and after staying on hold for 1.5 hours they tell me I will be transfered on the phone to another division. The call ends and I will have to recall to enter the cue. 

I call again and spend 3-4 hours on hold and talking with people looking for a solution as to why I can't access my account. They tell me I need to email an account with the documents and give it to me. 

I end the call and send the email. It was the wrong email and bounces back immediately. So I call back again and after an hour get the right email to send the documents to. I send it and get an automated response saying they will respond in 30-90 business days. This is unacceptable. 
I have a cage code from the United States department of defense. I have an XXXX XXXX XXXX XXXX. Those funds are needed to buy a part used in an airplane. I don't have extra cash to buy the items, I need access to those funds immediately. I might have to declare bankruptcy if I can't access that account within this week. Please, help.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 those account 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 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: Checking or savings account

I WAS TRYING TO LINK MY BANK LOGIN WITH XXXX. I WAS HAVING PROBLEM DOING THAT.