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

I purchased a XXXX XXXX from a XXXX car lot in XXXX, CA the creditor is GM Financial. The financing department as part of their sales pitch helped me to set up a reoccurring auto payment from my checking account before driving off the lot with my new car. All my payments have been on time and Ive never had an issue until XX/XX/XXXX when I realized that my payment hadnt been processed like normal. When I called GM they told me it was cancelled and that the system cancelled the auto pay based off of a date put in by the salesperson. I was never given anything in writing about my auto pay being cancelled after a certain amount of time nor was I sent any mail, email correspondence and I never received a call or talked to anyone from GM. I called and re-initiated my auto pay with GMs help after finding out I was late due to this error that I should be held responsible for. Ive talked to CS Reps and Supervisors as of XXXX on a XX/XX/XXXX and back in XX/XX/XXXX and no one will help me. They said its my fault I have a negative rating on my credit report. Im in the middle of buying a house and that dropped my score almost 30 points. Ive never had any late accounts on my credit until this happened and it hurt me because Im in the middle of an escrow. I need GM to remove this negative rating and ASAP! Ive been a loyal good paying customer never late and this is how Im treated when it wasnt my fault but the fault of a GM representative. I have contacted the credit bureaus to dispute but havent heard back and GM wont help me either. I need this fixed ASAP!
Product: Mortgage

Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  Ca XXXX Loan no : XXXX PHH Mortgage Services have affected my credit report by reporting recent mortgage lates for XXXX and XXXX and now XXXX! This has caused significant damages for us to refinance our home and lower our payments and have the mortgage insurance removed.. We open escrow to refinance at a 2.875 % and an appraisal report has been paid however in order to close we need to receive a letter from PHH stating we were not late.

Our current loan officer has emailed them 4 times trying to  resolve this matter and also sent all necessary proof of cancelled checks all from XXXX thru XX/XX/2020 of mortgage payments. ALL paid on time. 

Please help us resolve this matter - we urgently need this done! 

We have attempted to resolve this issue 4 times without any success! Customer service keeps given the round around and impossible getting to a resolution. My husband and I are on our XXXX 's were this has cause us so much unnecessary tension and stress!
Product: Money transfer, virtual currency, or money service

XX/XX/2017 I send mony to one of the agent TRANS- FAST REMITTANCE LLC.I send {$1100.00} to XXXX. the problem is mony did n't arrive when I check the bank in XXXX it should minutes only but now it almost 4 days .. I call the customers service they said it was cancel by the agent .. I try to call the agent but they never answer the phone .. I 'm so upset already coz I need to pay bills in XXXX
Product: Debt collection

this is for apartment I live at in XXXX ... didn't receive anything until XXXX when it appear on my credit report. I have called the company numerous of times to validate the debt. I yet to receive anything. XXXX of XXXX in the middle of a pandemic the collection agency call to say I'm being Sued and I have 30 days to comply.
Product: Checking or savings account

On Sunday XX/XX/XXXX I received a call from M & T Bank 's Fraud Department advising me my checking account has a recent charge for {$41.00} and asked me did I authorized the charge. I advised no I did not and the representative stated the account will be close due to fraud, a credit would be given to me for {$41.00} and the {$39.00} overdraft fee would be waive, a new card will be sent, and I would also receive a form to complete to explain the fraud activity as not my own. On XX/XX/XXXX I received a letter stating the provision credit of {$41.00} would be deducted from my balance since I did not send in the fraud form. I did not receive any fraud form in the mail. I called again and a represent stated an email would be sent the fraud department asking them to send another form and not to deduct the {$41.00} from my account on XX/XX/XXXX. However the charge was still deduction and when calling on XX/XX/XXXX the representative said the {$41.00} can not be added to the balance on my account until the fraud forms are received. Its to my understand that when a person is notified by the bank of fraud activity the fraud charges are the customer 's responsibility and there is a 60day review time before a final decision is made. M & T bank did not give me 60days. They initiated the call since there system recognized the fraud activity yet I am being penalized for being a victim of fraud. I did not order any magazines not did I authorized any reoccurring charges on this account with M & T. Can some assist me with the matter. I am asking for the {$41.00} to be added back to my account.
Product: Credit card

I applied for Chase personal credit card, approved and got the card in XXXX, then I applied for a business credit card and after approval I got my business credit card. As soon as I got my business credit card they closed all my credit accounts without any reason. Same thing happened to my friend who is also XXXX and lives in XXXX. As long as I have never did anything wrong with any of my credit cards or banking accounts and never get a legel reason of closing my accounts I am pretty sure in the following. 
Chase bank discriminated against me, they stereotyped XXXX as prone to crime and fraud because I am XXXX and I live in XXXX and my last name is ending with XXXX letters. 
Chase treats XXXX Americans as criminals who were likely to commit fraud.
Product: Debt collection

I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide to me verfication of this alleged debt. Verification consists of a formal declaration where you swear to the truths of the statements of the facts of the matter, having first-hand knowledge, and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Credit Collections Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, and XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Product: Debt collection

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a medical account opened at XXXX XXXX XXXX  on XX/XX/year> under the account number XXXX, with a owed balance of {$1300.00}. Another medical account opened at XXXX XXXX XXXX XXXX on XX/XX/year> under the account number XXXX, with a account balance of {$14000.00}. These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern : Hello I have 2 accounts with XXXX XXXX that have been charged off XXXX and XXXX XXXX XXXX is not suppose to report this as negative, I will report you to the IRS for tax fraud and also to FCRA. With this account being closed/ charged off this is now reportable income and I should have received a 1099c form according IRS XXXX FCRA 15 USC code 1681n, FCRA 15 USC code 1681o, FCRA 15 USC code 1681e and FCRA 15 USC 1681 eb. I am requesting that XXXX and XXXX be removed from this credit report due to these discrepancies. If these account are not removed within 30 days I will be forced to file a Civil Lawsuit The other charge off on my credit report is XXXX XXXX. Im requesting for XXXX XXXX  to be removed as well for reporting illegally according to the IRS.
Product: Debt collection

I received a letter in the mail stating I owe {$1800.00} to XXXX XXXX and/or Convergent Outsourcing, with the original creditor being XXXX. I have NEVER had any account with XXXX, let alone even knew such a company existed. This is a completely fraudulent collection done by a company in plenty of legal hot water currently. Maybe they are fishing for 'free ' money from unsuspecting consumers by mailing out fraudulent collection notices to people. I demand both XXXX XXXX and Convergent Outsourcing to cease and desist with this fraudulent collection, or I WILL seek legal representation. A collection agency can not just send out these letters claiming people owe an exorbitant amount of money to them without any legitimacy and hoping uninformed people will just pay to protect their credit!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT 5 DISPUTE LETTERS TO EQUIFAX FOR FRAUDLENT ITEMS REPORTING ON MY REPORT AND HAVE YET TO HERE FROM THEM MY CREDIT STILL LOOKS THE SAME AND THEY ARE STILL LETTING SOMEONE APPLY FOR THINGS IN MY NAME
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Product: Prepaid card

I updated my profile telephone number, but it's showing a different number when I try to reset my password, so am I able to reset the password, was his errors from the end so am I unable to control my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute with TransUnion to follow suit with XXXX in regards to two accounts that was deleted off my credit report XXXX XXXX
Product: Mortgage

Dear CFPB Team, Our property, sited at XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX, sufferer significant damage during the XXXX XXXX last year. 

We received the funds for the repair from the insurance company and immediately we started the reconstruction process. We are in a situation of needing additional funds to keep progressing. We have summitted letters to request release of additional funds and invoices from sub-contractor evidencing the progress and the current cost of the repairs/rebuild. We are in a point we need additional release of the funds as contractors can way any longer waiting on our payment. 

We have used all our personal funds and credit lines to a point we have exhausted all financial possibilities. Without the release of additional funds we are not able to continue the rebuilding process causing us a significant financial burden. Every week we have a delay cost us {$2000.00} or more. 

We have been sending all information requested, many times and we haven't receive any answer. In occasions we need to start the whole process again as previous request was lost or never processed, basically ignored. 

The Financial Institution is : XXXX XXXX XXXX, Tx Loan Number : XXXX
Product: Checking or savings account

The bank closed my account because I complain about their services and withheld my remaining balance of $ XXXX as this time they have not return my money it is the law that when the bank close the account they have 60 days to return my money and it is now over 7 months?
Product: Credit card or prepaid card

On or around XX/XX/2017 I attempted to make a payment on my credit card with Navy Federal credit union. I recently switched banks from Navy federal to XXXX XXXX in mid XX/XX/XXXX. When attempting to make a payment i was only aware of one XXXX XXXX account linked to my Navy federal account, which was the account I used to make a payment on my Navy federal credit card. The problem is, is that Navy federal attempted to make that payment with a closed account that was linked to my Navy federal account from nine years ago. I was never Notified via Email which is what XXXX XXXX the business operations specialist is claiming their form of communication had been done through, however after speaking with a representative at the branch they stated my email notification was turned off and was not able to send an email. I also never received notification through my online banking which is another form of communication aside from email. It was not until mid XX/XX/XXXX that I got notification and that was not from Navy Federal that was from XXXX XXXX   showing that I had a late payment after my credit score dropped 65 points due to them reporting a late payment. I have tried to make this right and get down to the bottom of this misunderstanding with Navy Federal but they are not willing to fix this. I was told they were sending me a letter explaining why they could not fix this and still after 12 business days have yet to receive any form of communication regarding this matter with Navy Federal other then their initial response stating they sent an email notification when this first took place.This is my second complaint I have filed with CFPB regarding this matter. Navy Federal has taken no responsibility and refuses to make this right. Complaint Number from First complaint XXXX
Product: Credit card or prepaid card

I opened a Chase XXXX XXXX credit card on XX/XX/XXXX. I signed up for the card with marketing received at my home. The rewards offer was for XXXX points if you spent {$3000.00} within the first 3 months. I did spend the required {$3000.00} in the first three months and I only received XXXX points. I called today, XX/XX/XXXX and disputed the reward shortfall. Chase could not find the offer I was referring to or suggested that it was a business offer, not a personal offer. They refused to do anything to make the transaction right. XXXX points is a big deal. I put a lot of effort into choosing the right card/reward program. This is feels like a bait and switch scam. Promising one thing and delivering another is absolutely fraud.
Product: Mortgage

I disputed directly with the bureaus on XXXX & XXXX about the inaccuracies of the late payments. On XX/XX/year> I sent a letter directly to Shellpoint Mortgage ... ... XXXX asking for verification and to update the status of my credit report to current/paid on time, but it's still reporting as late which is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment in XX/XX/XXXX. A couple months later, I noticed that the background check was run two separate times, resulting as 2 hard injuries on my Equifax credit report. Early XX/XX/XXXX, I spoke with my apartment complex about the issue. They stated they were going through computer updates and it was most certainly a glitch that caused a duplicate request to be sent for a background check. The two background checks were completed right next to each other ( XX/XX/XXXX & XX/XX/XXXX ). They contacted the background checking company ( XXXX XXXX XXXX ) and they said I needed to contact the reporting credit bureau. I contact Equifax on the XX/XX/XXXX and initiated a dispute with a woman on the phone. Roughly a week and a half later, I was informed via automated email that the results of my dispute were available online, but was unable to access it through Equifax 's website. I called and spoke with XXXX ( spelling? ) at Equifax and was told there is nothing they can do to remove the duplicate inquiry without a Notice of Removal from XXXX XXXX I. I then called XXXX XXXX I that same day and they told me that Equifax was wrong and they would have their dispute department reach out to me within 24 hours. I then spoke with someone else at XXXX XXXX I a couple hours later when they called and was told they would reach out to me shortly but gave me my two dispute numbers for the two dates of inquiries ( XX/XX/XXXX : XXXX and XX/XX/XXXX : XXXX. I was then contacted by XXXX XXXX for the last time ( week of the XX/XX/XXXX ) and was told that the apartment complex needs to reach out to them. I spoke with the apartment complex that same week and they told me there is nothing they can do and asked if I contacted the credit reporting agency. I have gotten the run around multiple times, and just want to get this solved. Thank you for your help in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent in 3 rounds of letters to dispute a few hard inquiries ( some duplicates ). I have never received any acknowledgment of my letters back from TransUnion. Anytime I call the customer service, they are extremely rude, very aggressive and refuse to investigate my issue. Ive been hung up on in the middle of conversations etc. These inquires are unauthorized and also unverified. I would like TransUnion to take me serious and fix this inaccurate information.
Product: Credit reporting or other personal consumer reports

I Submitted A FTC Identity Theft Affidavits XX/XX/2024 Equifax CEO XXXX XXXX, Controller and Underwriter has not deleted the negative items off of my consumer report. The negative items are defaming of my character and violating my rights. I have attempted several dispute of the years. which have not been corrected. They are violating my security and right to privacy. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Metro 2 guidelines for accurate consumer credit reporting, I am formally requesting an immediate update and correction to my credit profile. This notice serves as my formal request under federal and applicable state laws, including but not limited to FCRA 611 ( 15 U.S.C. 1681i ) and state regulations, to ensure my credit report is complete, accurate, and free from any erroneous or outdated information.
Product: Money transfer, virtual currency, or money service

On, XX/XX/2021, I received an email stating I have been permanently banned from Paypal. The reference number is Ref ID - XXXX. The same day, I contacted Paypal to determine the reason for being permanently limited and the customer representative stated my account was flagged due to a XXXX XXXX note from one of my transactions. I buy and resell sports cards and memorabilia, and have contacted Paypal prior to acknowledging the many transactions that arise on my account. On the same day, XX/XX/2021, I appealed the reasoning and three days later I was denied without any explanation. I have contacted Paypal multiple times and have not been given any information, rather than wait 6 months for my funds to be released. HOWEVER, Paypal is not releasing funds to accounts that are limited but taking your account balance and sending it themselves for violating their user agreement. That is a fact, there are many instances recently of Paypal taking entire account balances. I have over {$44000.00} in my PayPal account. My Paypal account was terminated on a {$50.00} payment that an individual put XXXX XXXX in the notes. I am baffled that a {$50.00} payment justifies holding {$44000.00}, that is someones livelihood. That is my life savings just being held in limbo for 180 days without any assistance from Paypal. It is a pandemic, what does Paypal do with your money for 180 days? Loan Program?
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX ) has violated my rights 15 u.s.c 1681 section 602a states i have the rights to privacy 15 u.s.c 1681 section s 604a section 2 A consumer reporting agency can not publish an account without my written permission
Product: Mortgage

XXXX XXXX reported my FHA mortgage as delinquent while in the middle of the modification and partial claim process while trying to transition out of my forbearance under the Cares Act. The mortgage was under XXXX forbearance. There are several months reported as delinquent during this process.
Product: Mortgage

I currently owe {$150000.00} on my home. 

I called to get the PMI removed. They told me I need to pay for an appraisal since my LTV was not 80 %, I agreed and went through them using 3rd party company to get my home appraised. 

We both have official paperwork stating my new home value is XXXX. Putting my LTV at 78 %. 

They still refuse to remove my PMI. Now stating I would need to get my LTV down to 75 % before that happens. 

Reading up on my rights as a consumer, I believe I'm protected from this and this would be illegal to not remove PMI once I'm under 80 %
Product: Credit reporting, credit repair services, or other personal consumer reports

After submission and verification of all the information there is no way to either file a dispute nor check on the status of a dispute. I enclosed a screenshot of TransUnion 's dispute page. I contacted TransUnion in this regard and it appears that their overseas customer service incompetent and worthless. It didn't resolved anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a letter in XX/XX/XXXX  regarding a fraudulent account. They identified an account that did not belong to me, and they sent a letter to Transunion on XX/XX/XXXX  ( see attached ) asking them to remove the account because of Fraud. The account was removed ; however, the inquiry was not - and there would be no inquiry if the fraud had not occurred. 

I have written letters and made several phone calls asking for help to no avail from Transunion, but XXXX and XXXX removed the inquiry. 

Please, can someone help me with this matter?