23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I opened a new car loan with GM Financial on XX/XX/2022. 

I am very frustrated with the lack of detail on their website and monthly statements. 

My agreed monthly payment is {$380.00} and I decided to pay {$500.00} a month to pay this loan off quicker. 

My XXXX Statement did not show my first payment anywhere on the statement, but it did apply. I have no record of this payment with GM and can't see how the payment was applied. The only record I have is that my balance did go down and my banks billing history shows I made a payment. 

My XXXX Statement shows my {$500.00} payment and that the payment was applied as following : {$410.00} principal + {$84.00} interest These numbers make sense to me, but this is NOT how the money is applied. They carry forward the overpayment and apply it to the next months ' payment which is only evident by the total amount due for my next months payment being far less than the expected {$380.00}. My bill shows I owe {$140.00} for the month of XXXX. 

After calling about my payments, I was informed that in order to make any additional/extra payment towards principal, the company requires a phone call within 24 hours of the payment being applied to my account to specify how the payment should be applied. 

The website dashboard does not show any history of payments, the statements I'm receiving are not accurate, and there is no way I can verify that my payments are being applied as I request. 

I can't believe that this is how a company as big as GM Financial would operate, but a quick internet search proves that I am not the only one experiencing this. 

The only payment I can see on the website is the last payment applied and I can request copies of my old statements, which do not show all my payments and are not accurate. 

I do believe my current balance is correct, but I have no way of double checking that the calculations are correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX have violated my rights. 


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 seven 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, credit repair services, or other personal consumer reports

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I do not own or know these accounts. I demand an investigation and removal of these collections accounts that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  should not be reporting a Foreclosure as well as ( 120 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX XXXX  in 2014 and should not be reporting a balance. ( I have attached a copy of the Title Certificate for reference. ) This false reporting of lates and a foreclosure is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to file a formal complaint against TransUnion regarding their failure to delete a disputed debt from my credit report. The debt in question stems from identity theft, and despite my repeated attempts to dispute its validity, TransUnion has failed to take appropriate action. 

According to the Fair Debt Collection Practices Act ( FDCPA ), it is illegal for a debt to be sold or transferred without the debtor 's consent. As this debt is a result of identity theft, it is imperative that TransUnion follows the necessary procedures outlined in the FDCPA to rectify this issue promptly. 

I have provided all necessary documentation and evidence to support my claim of identity theft, yet TransUnion has neglected to uphold their obligations under the law. If the correct actions are not taken this time to rectify the situation and delete the disputed debt from my credit report, I will have no choice but to pursue litigation to ensure my rights are upheld and the matter is resolved appropriately. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly and take appropriate action against XXXX for their failure to comply with the FDCPA. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number XXXX XXXXXXXX XXXX  : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX : Account XXXX XXXX XXXX, XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM XXXX FEDERAL TRADE COMMISSION.
Product: Mortgage

the lender initiated foreclosure within the early intervention period in violation of Regulation X, 12 C.F.R. 1024.41 ( f ). the lender also failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - A QWR was also submitted to the lender on  X/XX/17  and we request a response to this prior to proceeding to a FC sale date of  X/X/17
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 seven 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: Checking or savings account

I have been waiting on a check to be delivered to my house address and i haven't received anything yet. It's been more than 6 months they said they would send me a check but anytime i call them. They don't respond to me normally. It's really frustrating and i have been really patient
Product: Checking or savings account

I received a bounced check from an XXXX imposter telling me that he needed to use my account to receive funds so I gave him my account number which he went on to deposit a bounced check and now my bank is being closed.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 seven 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

I am urgently filing this formal complaint due to a serious and repeated incident of identity theft. Recently, I discovered that someone used my personal information without authorization to apply for an auto loan in my name. This application was made fraudulently, without my consent or authorization, violating my rights under consumer protection laws. 

XXXX XXXX : XXXX XXXX. Account XXXX : XXXX. Balance : {$31000.00}. Date Opened : XX/XX/year>. Last Reported : XX/XX/year>.
Product: Credit card or prepaid card

The company responded to my claim. The credit card company 's response does not satisfy my request. I did not authorize a credit card transfer, and should not be responsible for any fees associated with the transfer, including the compounded interest. I would like the Consumer Financial Protection Bureau to retrieve the recorded conversations. The recorded information confirms I did not authorize a transfer.
Product: Checking or savings account

I was trying to transfer money to XXXX for my closing on my new house and the rest outside of the {$2000.00} I wanted to keep in Chase to my High Yield Savings account through a different bank due to the government recouping my VA Compensation and Pension once they charge me for the days I was on active duty throughout the backpay. Chase froze my accounts then shut them down with no notice today XXXX XX/XX/2019. When I tried discussing it with them, they refused to. 

I guess they don't want continued business, but it's okay I'll continue with my longtime bank that holds my regular check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax received my dispute on XX/XX/2018, ( see attached return receipt ), per tracking. I requested that Equifax delete the also known as XXXX XXXX XXXX as well as multiple addresses that are obsolete or I have never resided. See attached dispute letter that was sent as a SECOND NOTICE to Equifax in XX/XX/2018. They reflected several inaccurate accounts as well. To date, Equifax has not responded to my 2nd request nor has any of the inaccurate information been removed. I have proof that Equifax is in receipt of the dispute as of XX/XX/XXXX and opted to not respond to my dispute. This inaccurate reporting is unethical and violated my rights under the FCRA. 

The medical bill that is reflected has no company name, address, or any company information so that I could communicate with the company reporting. This reporting continually compromises my credit health and should not be on my report. Since Equifax has failed to respond within the 30 days as required and this is well over 60 days and I have not received a response from them, the entries reflected on the dispute letter included should be deleted from my Equifax report.
Product: Credit reporting or other personal consumer reports

of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned. 
It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Debt collection

Within the past few weeks, I opened a complaint with CFPB regarding this same credit card account that was in a collection with XXXX XXXX XXXX XXXX under complaint number ( s ) :XXXX,XXXX,XXXX & XXXX. Once I provided the police report # and FTC ID theft affidavit/complaint # XXXX XXXX XXXX they then sold this disputed account to a collection agency called, FirstSource. This is a clear violation of the Fair Debt Collections Practice Act. Even after illegally selling this disputed account to the new collection agency XXXX XXXX XXXX continues to report their name on all 3 of my credit reports. I am once again now alerting FirstSouce collections that this account is from identity theft. I am providing the police report and FTC report numbers. Furthermore, I was also notified by XXXX  that my personal information was in fact compromised during the 'XXXX  Breach '. FTC ID theft report/affidavit # XXXX & XXXX PD report # XXXX by Officer XXXX, badge # XXXX.
Product: Payday loan, title loan, or personal loan

I have tried three times to get my legal name changed with these people and they are simply unresponsive. I'vew sent them all of the documents needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these accounts have violated my rights Dept of EdXXXX XXXX XXXX XXXX # XXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy also states a consumer and reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I got an alert from XXXX XXXX saying I had some hard inquiries recently. The two I do not recognize or did not give consent were both on XXXX XXXX, 2017 from XXXX and XXXX. I 'm not sure where they came from or how they obtained my information. I did not authorize them to access my credit report.
Product: Credit reporting or other personal consumer reports

I have put in a complaint for this issue the complaint number was ( XXXX ) & it has not been resolved & I am very confused with the result. I am very disappointed that the CFPB allowed Chase Bank to go around my request. I specifically stated in my complaint that I have reached out to Chase Bank in regards to opting out of my non public personal information from being shared with non affiliate third parties & Chase Bank has not honored my request to do so. I expected the CFPB to have someone from Chase bank contact me in regards to having my requested honored since I have already tried to reach out to Chase Bank & was ignored. I even shared the laws that Cleary shows my rights to opt out & it still has not been honored which is extremely disappointing. 
15 USC 6801 states how institutions have an obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. 15 USC 6802 ( b ) shows how I have the right to Opt-out & the institution must explain how I can do so & I have already expressed to the Chase Bank & the CFPB that I have did such requested & Chase Bank still has not honor my request to this day! 15 USC 6802 under ( c ) shows the consumer must be given an explanation of how the consumer can exercise that nondisclosure option. 16 CFR 313.7 under ( f ) states " Continuing right to opt out. A consumer may exercise the right to opt out at any time. '' Im having trouble understanding why the CFPB is not making Chase Bank honor my request, As they are put in place for my protection. XXXX, XXXX XXXX XXXX are a non affiliate third party as they are not listed as an affiliate on Chase Banks privacy policy notice. Its states under affiliates " The Chase affiliates are a network of firms owned by JPMorgan Chase & Co . They include JPMorgan Chase Bank, N.A. ; Chase Insurance Agency , Inc. ; XXXX.P. Morgan Securities LLC ; and others ". XXXX, XXXX XXXX XXXX are non affiliate third parties & if XXXX, XXXX XXXX XXXX are affiliates I am requesting such proof of this information be shown, & to my knowledge some institutions voluntarily share information it is not mandatory. I understand that there may still be some information that they are still are able to share but I do know that the laws protect the consumers sensitive information such as my non public personal information. Once again I ask the CFPB to please make Chase Bank to find out why they haven't respected my rights to opt out & to contact me to explain how I can opt out & have my requested honored such as my non public personal information as the law allows me to do so. This is a violation of the FCRA & THE GLBA.
Product: Debt collection

We made an appointment to see the XXXX on XX/XX/XXXX at XXXX XXXX I went on vacation and after I found out the people I was with had XXXX I called the XXXX XXXXXXXX XXXX ( XXXX ) to cancel my appointment 1 day before so that he could see other patients. The office manager told us that she would cancel it but there is a {$75.00} cancellation fee that we had to pay. We told them we were never told that there was a cancellation/no show fee. We asked them if they have any confirmation from us that we knowledge the {$75.00} no show fee policy and they said they don't see that and they don't know. 
We have been receiving bill from them and every time I am calling them to tell them that we were never told that there was a cancellation fee the office manager and XXXX in a very bad way telling us it is what it is and we have to pay it. We spoke with them two times including XX/XX/XXXXafter receiving a bill with a letter that they will send it to collection agency and offered them to lower the {$75.00} even though it was never disclosed to us but they did not accept it. 
On XX/XX/XXXX we received a letter from AWA Collections that I owe {$75.00} and if I do not pay it will go to my credit. 
I sent AWA a letter explaining the situation and they still wanted the money and forced us to pay it. I did not want my credit to be damaged and thus, I paid it on XX/XX/2022 over the phone. 
I am a single mom and I don't want them to ruin my credit for something that was never disclosed to me and trying find a help to go after them to get my money back.