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

gm financial has failed to correctly report a paid off / paid in full as agreed auto loan account for 8 months. My credit report still shows and open unpaid load since XX/XX/2017. I have contacted GM Financial 3 times to resolve the issue. I was told GM Financial switched their credit reporting software and were fixing issues that occurred where accounts were incorrectly or not reported to the credit reporting agencies. Each time I called them I was told they put in a ticket internally to get it fixed. It is still not fixed.
Product: Mortgage

The lender denied by my request to cancel the mortgage insurance, citing a failure to meet FHA requirements. However, the lender did not specify which FHA requirements hadn't been met.
Product: Money transfer, virtual currency, or money service

I used afterpay to order XXXX  and after our has created two different charges for the same one order. XXXX has gotten back in touch and said that there was not a duplicate order and afterpay will not refund me for the double charge nor will they get rid of the double account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX someone took out a personal loan in my name in the amount of XXXX i noticed this on my credit report around XX/XX/XXXX and sent a letter with my FTC report asking the credit company to either block or remove the fraudulent account because it is affecting me from receiving credit. the company has refused to remove or block the account from my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I have XXXX accounts with Affirm. I make monthly payments. XXXX payment is {$33.00} per month and due on the XXXX of each month. XXXX payment is {$18.00} due on the XXXX of each month. I made a payment of {$33.00} on the XXXX of XX/XX/year> through my XXXX XXXX  on line process. I can prove this with my bank statement and call center agents have verified that the payment was on the wrong account but they say they can't move it to the correct account. Affirm keeps harrassing me with Texts and emails to make the XXXX payment. I refuse to make a double payment on principal. I can't get anywhere with them and a supervisor hung up on me today after asking my name. They won't give me the owners name or address. I have had accounts with them for years and they obviously don't care if they lose me as a customer. My Bank said that they would reverse the payment and then I could call a payment in but that didn't happen. You are my last resort.If they ruin my credit I'm going to find a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, please correct the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$27000.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$27000.00}.
Product: Debt collection

LVNV Funding LLC I received a letter from the courts of Order to default Judgment against myself & ordered to pay {$1600.00}. I was not notified or aware of a court date prior to this letter. I have a cousin that lives across the street from me home & he had noticed a man at around XXXX at night looking inside of my windows. My cousin asked the Man what he was there for & why is he looking into my house. The guy tore off a piece of paper the top corner of the paper to show why he was there & he left. I was unable to read what looked like a court document & did not think it was anything professional due to the Unprofessionalism. Sense then I have called the courts & I am now going to court. I have had a fence put up & cameras to protect myself sense.
Product: Mortgage

On XX/XX/XXXX I called Selene Finance Customer service for help with changing my homeowners insurance company mid term. I was told that the new insurer would have the necessary information to reach the right department to get the new policy paid. The new insurer mailed the policy documentation and an invoice to be paid from my funded escrow on or about XX/XX/XXXX. Selene did receive the invoice but took no action from mid XX/XX/XXXXuntil XX/XX/XXXX when I made a call and insisted on being transferred to the insurance department. There I was finally told that I had to cancel and receive a receive notice from my old insurer prior to them paying the new policy. I did not want to do that and I verbally expressed to the insurance rep that I did not want to cancel my old policy before having the new one paid. After going back and forth for some time I finally called the old insurer cancelled my policy as of XX/XX/XXXX( the effective date to the new policy ). Selene advised that they would then pay the premium. If they had paid before XX/XX/XXXX I would have still had coverage. Selene DID NOT PAY THE PREMIUM within the 45 day period and I was left without homeowner insurance coverage. I received a notice dated XX/XX/XXXX that my new policy was cancelled due to non payment. I called Selene insurance and went from agent to agent for 2 hours before being told that there was nothing that they could do. They suggested that I call the insurance company back to see if they could reinstate the policy. They could not. They offered to write me a brand new policy for the exact same coverage was now {$3100.00} because I have had a " lapse '' in coverage. My original policy from XXXX was {$2700.00}. The new policy I was switching to at XXXX  {$2300.00}. I called that same manager back at Selene if they would pay the difference as they were at fault for causing the lapse. They would not. I did not choose the servicer for my loan. I wish that I could say that this an insolated incident, but I have never received a satisfactory response from this company no matter how small the matter. I can not not see how they continue to keep servicing FHA and VET loans.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received notification of an account being added to my credit report from Credence Resource Management with an amount of {$8100.00}. I have never used this company before in my life. I sent the attached Validation of Account that includes the proper Consumer Laws.
Product: Checking or savings account

I made 4 purchases with my debit card from Bank of texas, on XXXX. 
The merchant never sent the items to my address and never provided any tracking number or more information about the delivery. 
So I opened a charge back request with my bank on XX/XX/XXXX under the claim number, XXXX. I was reqeusted to send the order receipt showing that the goods must be sent by XXXX, and also a letter explaining the situation. 
After a couple of days later I got a letter saying that they cant proceed with the charge back request because was a face to face transaction, but that doesnt matter for chargeback requests. 
I called again to open the chargeback and they denied for second time, even they didnt reach XXXX for the case.
Product: Money transfer, virtual currency, or money service

I used Zelle for a transaction and was unfortunately caught in a fraudulent purchase. There is no one to help with Zelle because you have to go through your bank which ties their hands based on access they have. I was scammed out of $ XXXX dollars with no accountability to the app, or the person, or the bank. There are no protections put in place to safe guard the user and the bank gets off because its an app attached to them not their problem. I had lost my job and that set me up for an enormous amount of debt just to provide.
Product: Credit card or prepaid card

I have been working with chase card to dispute a charge because XXXX charged me for non satisfactory reservation that was canceled due to unethical compliance from their side and to the fact that they provided a reservation that is very awful and the agent was fraudulently giving information. 
I tried to dispute the charge and have been going back and forth between XXXX and Chase one pointing to the other. 
I took every step to cancel the reservation professionally and decently but both Chase and XXXX are lying to me and not taking my concern seriously. I provide all necessary pictures and communication to proof the fraud and sent all texts and emails to both companies to show how the seller had or is fraudulently trying to rent us a messed up room and make the money off the scams.
Product: Money transfer, virtual currency, or money service

I just received a text message from someone named XXXX saying that theres a {$1000.00} payment waiting for me on the cash app. It wanted me to click the link. Im suspecting its a scam, so I wanted to let you know about it.
Product: Credit reporting or other personal consumer reports

police report filed in XXXX California FTC report filed for identify theft there are inquires on my report there are corporations who sold my information without my permission to third parties Credit Fair act-privacy was breached USC 15 6802
Product: Debt or credit management

I used Experian to try to get a credit card. I sign up and went through the process but when i put my information in it wanted to take me somewhere else at which time it said invalid address. I was talking to my father for help and he said it could be a scam so i froze my account and file. Later i did receive my card so i went back to experian to unfreeze my account and it wouldnt let me sign in. Im stuck at the part where it needs to verify me by number or call only it doesnt text or call me. My number is correct and i have tried calling the number that they provide for help but it sends me in a loophole. My father called my states company for help and they said that this happens sometimes.
Product: Credit reporting or other personal consumer reports

Account Name : XXXXXXXX XXXX Account Number : XXXX Date : XX/XX/2023 Status : Paid As Agreed Balance : {$3500.00} Phone Number : XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX Reporting Bureaus : Experian, XXXX, XXXX This Account is reflecting inaccurate information to all 3 credit bureaus Please removed/ delete from my credit report 15 U.S. Code 1681 ( i ) ( a ) ( 1 ) 15 U.S. Code 1681 ( i ) ( a ) ( 6 ) ( b ) ( 3 ) 15 U.S Code 1681 ( i ) ( a ) ( 5 ) ( B )
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Debt collection

Ive written letters to these third party companies to provide proof that I have a written agreement with them and that havent sent anything and they continue to call one of them being XXXX XXXX XXXX and you know the others
Product: Debt collection

XXXX turned account over to collection with providing final accounting. I have contacted collection agency who provided a summarized bill that reflects balance due on each device with out credit for returned devices. I have subsequently verified with XXXX devices were received on XX/XX/2020, however no credits have been replied to reflect the return of device, therefore the wrong balance due is being provided.
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 XXXX XXXX XXXX. Account name XXXX XXXX Account # : Unavailable I looked at my transition credit report on XX/XX/scrub>XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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: Debt collection

Was contacted by Edward Bukaty, Attorney in regards to the alleged debt via mail in XX/XX/2023. In this notice it was NOT specified to only contact by phone or by mail, the company-provided their email address in the header as well. It mentioned responding by XXXX and i did so. I responded to Mr Bukaty via email on XX/XX/2023 to dispute the alleged debt, his association, its entirety in general. Mr. Bukaty responded with having a lawsuit filed XX/XX/2023. Mr. Bukaty was emailed on his business email server at XXXX. Since then one with access to this server has opened my correspondence regarding the alleged debt a total of 13 times the most recent being XX/XX/2023 at XXXX from a XXXX XXXX LA IP address in the city in which Mr. Bukaty practices. Mr. Bukaty and XXXX XXXX knowingly and neglectfully disregarded the dispute and continued to report negative markings on my credit report. No acknowledgment of email or correspondence of any kind was sent to validate their claim. No Contract. No Billing Statements. ( Past or Present ) No Response! Not even a notice refuting my dispute to be frivolous or irrelevant. Mr. Bukaty office acted premature and malicious in filing the law suit. 
It was not until i received notices from 2 bankruptcy attorneys on today XX/XX/2023 i was able to confirm my personal information was listed to the public via court records in a lawsuit. A search on the Court records confirmed this lis pendis as well.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was reported 15 days late, even though I made the payment on time, and this is documented in my bank statements. 
There were clerical errors where my account was inaccurately flagged as overdue, but I provided evidence that no late payment was made, as shown in the attached payment confirmations. 
The inconsistency of payment dates across credit bureaus further demonstrates the inaccuracy and improper reporting of this account status. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so.
Product: Checking or savings account

I received my Social Security Income thru Direct Express every XXXX of the month. However, on XX/XX/XXXX XXXX the fund was missing on my Direct express debit card. 
I only showed {$2.00} instead of {$790.00}. 
Funds was missing or stolen. 
Social Security confirmed depositing the fund of {$790.00} on my account. 
I contacted Direct express on XX/XX/year> and was given Case number XXXX I filed a police report on XX/XX/year> and also contacted Direct express requesting probational credit until their investigation is completed but Direct express refused. I have not received progress on my case and I am risking being evicted from my rental place and also need money for my XXXX  not covered by insurance. 
I tried calling multiple times but unable to speak to a person as it always gets transferred to a recording " to call during non-peak hours '' I called XXXX XXXX times at different times but still unable to speak to anyone. Now my husband 's XXXX for XX/XX/year> was also missing and will file another complaint as no one answers our call no matter how many times we tried contacting them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following accounts on my credit report : XXXX XXXX  Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX, XXXX XXXX XXXX Late Payment Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX, Charge Off Account XXXX XXXX XXXX, Charge Off Account XXXX XXXX XXXX, and Charge Off Account XXXX XXXX XXXX. 

I would like to point out that the XXXX XXXX Bankruptcy was discharged, and I have taken steps to rebuild my credit since then. I am aware that these accounts have negatively impacted my credit score, and I am actively working to improve it. However, some of the information regarding these accounts is inaccurate or incomplete. 

For example, the XXXX XXXX Account with XXXX should have been removed from my credit report as it was a mistake on their part, and I was never late with payments. The Charge Off Account with XXXX XXXX was included in the bankruptcy and should not be reported separately. The Charge Off Account with XXXX was settled and should be marked as such. 

I would appreciate it if you could investigate these accounts and correct any errors or inaccuracies. I have attached relevant documentation to support my dispute. Please let me know if there is any further information you require from me. 

Thank you for your attention to this matter. 

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

15 USC 6802 Pursuant to 15 USC 6803 At the time of establishing a consumer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations. 

Pursuant to 15 USC 6802 ( b ) ( 1 ) ( a ) such financial institution clearly and conspicuously discloses to the me. Your institution violated me by not giving me the right to opt out clearly and conspicuously. 

In addition, Pursuant to 15 USC 6802 ( b ) ( 1 ) ( b ) the customer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party, in which you violated this law as well because I was never disclosed this at all. 

I was to be given the opportunity and explanation of how I can exercise my right for nondisclosure. 

This account is not supposed to be reporting on my consumer report this is my demand to remove this account. 

Account XXXX Account XXXX : XXXX XXXX
Product: Debt collection

XXXX XXXX has reported false information. They have illegally re-aged this debt. The original debt from HSBC Bank was scheduled to continue on record until XX/XX/XXXX and they re-aged it to XX/XX/XXXX. 

I am reporting them for giving false information to XXXX. I received no court summons, and I made no payments or arrangements with XXXX XXXX or HSBC Bank. I made absolutely no deals with them or any others for that matter. I had no money, no life, no job, nothing. I have n't even been in the same state. On top of that I am reporting them b/c they re-aged the debt so that it appears on the credit report to continue until XXXX. XXXXIt is my amatuer understanding that it is completely illegal to re-age an unsecured credit card debt especially with the debtor having no knowledge of it. 

I would also like to report to CFPB to notice it says original creditor HSBC Bank Nevada when in truth it is just HSBC Bank. Are they both the same or is that just another scheme. 

ThanksXXXX XXXX