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

XXXX XXXX my mother ( has authorization ) called GM Financial and asked what the remaining balance on my lease account was a I was looking to turn in or trade my suv. They gave her an amount that we felt was incorrect. They insisted it was correct so she asked that they send it to me in writing with this balance noted. On XXXX XXXX, XXXX I rec 'd a payoff letter that had a different remaining balance ( {$340.00} more in remaining payts ). My mother called to explain and they suggested she fax them the paperwork/proof. She did this on XX/XX/XXXX. Still no response. On XX/XX/XXXX I sent the adjusted balance due in full with a copy of their letter as proof to backup my short payt. I know they rec 'd the letter along with the check when the check was cashed. After that they kept calling and sending letters. We kept faxing back their letters with the same explanations and proof backup and still nothing. Haven't heard anything for almost 2 yrs. I'm applying for a new mtg and my broker told me that GM had " written of bal. '' as uncollectable debt that affects my credit. I disputed this on my credit reports and today I noticed that GM re-opened my account/debt and my credit dropped XXXX XXXX! How can they re-open a debt that was incorrect to begin with??
Product: Checking or savings account

My daughter is on my account, and she was contacted by someone claiming to be with Bank of America, where I have my account with. They claimed someone was trying to access our account and take {$3500.00} in another state, so they asked for account information so they could stop this from occurring. My daughter gave the information and they ended up taking {$7000.00} from my account. I attempted to get the fraud department to help me recover my funds, but they said they couldnt help me. It is a lot of money to get scammed out of, so Im looking for help
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Loan amount : {$39000.00} I purchased a vehicle from XX/XX/XXXX in Indiana in XXXX. After driving the vehicle for five days, a catastrophic error occurred in the vehicle not due to me as the operator. Vehicle has been in the shop through the end of XXXX. In that time,XX/XX/XXXX in the general manager, XXXX XXXX sent me paperwork to sign for the buyback of the vehicle. During that time the date in which the initial payment was due on, the vehicle did not occur and I let XXXX XXXX know that it is past due. I was receiving phone calls from the collections department at XXXX bank and passed along the letters that XXXX bank have been sending to me to XXXX XXXX at XX/XX/XXXX. His finance department was very unresponsive. They kept telling me it was being handled so the check never was sent to, XXXX Bank to buy out the vehicle from me. I had to threaten with legal action for them to finally send the check to XXXX bank in XXXX. I received a letter stating my vehicle had finally been paid off at the end of XXXX. This has negatively impacted my credit score due to the lack of urgency and competence at unlimited motors. I dont believe its right for me to suffer because of their poor customer, service, and lack of willingness to help. Documentation of the buyback clearly dated XX/XX/2023 is included in this claim in the letter from XXXX bank in XXXX stating my payment still had not been made which was past the 90 day window. Please make this right for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express sent me an offer for a XXXX XXXX XXXX XXXX. It was my understanding that it was for my business and not for me personally. I was directed to amex.us/XXXX to fill out an application for my business. Toward the end of the application, after entering all of my company 's information, it asks for personal information about an owner of the business. I entered the info then came to the part where it asked for my social security number. I was wary at first but I saw an icon next to the input field that is common on web forms to give more information about that particular item. When I clicked on it it said " Your Social Security Number or Individual Taxpayer Identification Number is required to verify your identity. '' which led me to believe that they were using my SSN ONLY for the purpose of verifying my identity. Nowhere on the application did it say that I authorized them to run a hard inquiry on my credit report. I even did a search on the entire page for the word " inquiry '' and not a single result appeared. After submitting, they, of course, hit my credit file with a hard inquiry. I feel that the practices that they are using are deceptive and misleading. Furthermore, I did not authorize American Express to run a hard inquiry on my credit file. I did not sign any application nor did I check any box which gave them my consent. They are currently using verbiage along the lines of " By submitting this application, I certify that I have read, met, and agreed to all of the terms, conditions, and disclosures as outlined below '' but as numerous court cases have ruled only clickwrap agreements are enforceable and not browsewrap agreements... for a clickwrap agreement to be enforceable, a user must give active affirmative consent by actively clicking a box or button that says " I agree ... '' not just some part of the page that says by submitting the form below, you agree to the terms listed on this page... 

My rsvp code was XXXX and they ran the inquiry on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts and inquires on my report and in accordance with the Fair Credit Reporting act Convergent account # XXXX along with 7 ( seven ) other inquires, has VIOLATED my rights.15 USC 1681 section 602 A states I have the right to privacy. you also have violated 15 USC 1681 section 604 A section 2, which states a consumer reporting agency can not furnish an account without my written or oral consent/instruction and I have not given neither. This has caused me emotional and mental stress and id like for everything listed to be removed/deleted immediately.
Product: Credit card or prepaid card

I made a payment today for a particular item. No problem with making payment. But I thought the item was already paid for via cash back rewards. Because i could be mistake, i tried to see if i could find how/when/where did i spend my cash back rewards. But it was futile. So i contacted PayPal, who controls the paypal rewards. However i was referred to XXXX XXXX who controls the PayPal credit card. They referred me back to PayPay for assistance. They were sending me into a loop. I would like to know how/see the transactions on how I spent/applied cash back rewards for purchases. I mean, without being able to see the activity, like any typical bank statement or cc statement, i may actually be paying twice for a particular item. When I go into the section pertaining to the Cash Rewards, it only provides a remaining balance. And there is no log of transactions that show how the rewards have been spent to date.
Product: Credit reporting or other personal consumer reports

I applied for credit builder account last year to boost XXXX XXXX. I have had XXXX accounts with them previously. I have never been late on my biweekly account as you will note. However they signed me up for a credit builder plus account which is an additional fee that i was not aware of. I was making my payments to them and noticed were they were taking twice a pay period for the same loan so I put a stop payment with the bank. The original loan payments continued and were never late. They reported me to the credit bureau as late and Ive never missed a payment as you will see. I contacted them directly on XX/XX/24 and was on hold XXXX minutes without resolution. This account that was supposed to help my credit and I never missed a payment on has negatively affected my credit
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. Closed Accounts : Delete from Credit Report XXXX XXXX XXXX XXXXXXXX has violated my rights. XXXX XXXX XXXX XXXX has 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. 

PLEASE, Delete from Credit Report XXXX XXXX XXXX XXXX has violated my rights XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX - XXXX has violated my rights. 

This has gone on for 6.5 years They do not appear on XXXX or XXXX.ONLY TRANSUNION PLEASE DELETE THESE ACCOUNTS, PLEASE
Product: Credit reporting

Re : XXXX XXXX XXXX ; XXXXXXXXXXXX, XXXXRe- Credit reporting Equifax , XXXX , & XXXX , are not reporting my long-term credit. 
XXXX XXXX since XX/XX/XXXXMortgage since XX/XX/XXXXI have a XXXX XXXX that says on it " Member since XX/XX/XXXX. " None of the credit reporting agencies are reporting that I have a XXXX XXXX. 
On XX/XX/XXXX I called XXXX to request that they report to all of the credit agencies that I have had credit with XXXX since XX/XX/XXXX and that I pay on time. The representative from XXXX said that they do report to all of the agencies regularly. 
I told XXXX rep that despite this, it is not being reported on my credit report. The XXXX rep said she would send the report the credit agencies right then when we were on the phone. 

I want all three credit agencies to report that I have had credit with XXXX since XX/XX/XXXX, what the available credit is, what my balance is, and that I pay on time. 

Also, I have had a mortgage since XX/XX/XXXX and have paid it on-time since XX/XX/XXXX. Yet none of the credit agencies report that I have had a mortgage since XX/XX/XXXX. Instead, my report just shows the last XXXX " servicing companies '' on my report and when I last looked they erroneously said I had a late payment. 
I have disputed this late payment ; and want it removed.
Product: Checking or savings account

I made a check deposit in the amount of {$600.00} at the NFCU atm in XXXX XXXX, CA on XX/XX/2023. 
After finishing making my deposit I checked my receipt and noticed that no funds became available, so when I checked my list of transactions, I didnt see my deposit showing as pending, so I contacted the bank twice and on the second time I spoke to a representative named XXXX XXXX who told me that my deposit will only process on XX/XX/2023, four days later. 
I asked her why my deposit was not showing even as pending, and she kept repeating that it will only process on Wednesday XX/XX/2023, but she would not tell me why it was nit showing pending or on my transactions records at all. 
This is the second time in the same week that NFCU does not post my deposits on my account and funds goes missing, becoming not a bank that I can trust with my finances. 

I am attaching screenshots of atm receipt as well list of transactions, but deposit does not show or reflect pending, and text confirmation of deposit received immediately after making deposit.
Product: Debt collection

Trying to confirm this debt was already paid by insurance company. Why is it keep coming on my reports as XXXX Medical data systems Inc XX/XX/year> {$2600.00}
Product: Debt collection

XXXX. XXXX 2019 amount owed are incorrect
Product: Student loan

My student loan is currently set at 10.875 % interest rate. While in school my loan gained interest & now is almost double the principle balance. I pay almost nothing towards the principle and mostly interest. It would be really nice to get rid of some of that interest that was gained while in school. Also, now that I am working and have good credit, I believe they should work with me to lower my interest rate. Rates now for student loans are half of what I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

This portfolio XXXX, account no. # XXXX was opened in XXXX and it was closed in XXXX by the creditor and no payments were made on it since that time. I started disputing this account in XXXX with XXXX XXXX and based on the date of activity in XXXX this account became obsolete and should have been automatically removed in XXXX. I disputed this account again in XXXX with XXXX, XXXX, and XXXX  and still received no results. They keep passing this account on leaving it open.
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to voluntary surrender the vehicle XXXX XXXX XXXX XXXX # XXXX. Upon arriving at the dealer, I was told by XXXX XXXX XXXX XXXX that here we can not help you, it has to be done though Toyota Finance. That same day, I called Toyota Finance at XXXX and customer service representative XXXX provided orientation regarding the voluntary surrender process, and I agreed with the process. Then, he informed me that by Thursday, XX/XX/XXXX I should receive a call from Toyota Finance regarding the approval of voluntary surrender. However, that phone call was never received. On XX/XX/XXXX, I called Toyota Finance during the afternoon hours to have an update on the approval and completed further questions regarding why I wanted to voluntarily surrender the vehicle. 

During this phone call, I felt humiliated regarding the questions, putting in doubt the reason for the voluntary surrender. Since the first day, I disclosed the reason for the voluntary surrender was due to financial hardship and could not continue with the car monthly payments. During the conversation, the customer service agent stated that Toyota Financial has approved a recovery agent, and I have to wait for the recovery agent to contact me. On XXXX XXXXXX/XX/XXXX, I called back to Toyota Financial to verify information and the customer service representative XXXX XXXX XXXX XXXX informed me that the vehicle already has been assigned to a recovery agent and filed for a local towing company, and I have to wait for availability of a towing company on the area, which may take a couple of business days and by XXXX XXXX XXXXXX/XX/XXXX I should have a call from the recovery agent. 

On XX/XX/XXXX, during the afternoon hours, I called again to Toyota Financial to have an update regarding this matter and the customer service representative transferred the phone call to the recovery department and this representative stated, that up to this day they don't have any new information regarding when a towing company will come to my address to pick up the vehicle. It is important to mention that all customer service representatives requested that the vehicle must be insured up to the car being auctioned. This situation is causing me XXXX and shortness of sleep due to mixed/vague responses from the bank. Up to this day I have not received any phone call/email from Toyota Finance/Recovery Agent or any towing company regarding this matter. Currently, the XXXX keys/vehicle is parked at the address provided to Toyota Financial waiting to be picked up as soon as possible.
Product: Mortgage

I was able to talk to a customer rep through Union Home Mortgage who was sold my loan by XXXX XXXX XXXX. I shared with her that I requested the following documents that include but are not limited to : Certificate of existence Articles of Organization Articles of incorporation Foreign Qualifications, XXXX business licensing and permits federal tax ID. 

Copy of all paperwork and contracts pertaining to the sale of my loan as well as the financial and structural relations Union Home mortgage has with XXXX. 

I asked If there was an email address I could send a written request to? Her response was baffling. She stated to me to use the same email I had been using with XXXX because they were still affiliated. I stated to her that it seems suspicious and unethical that one company would sell my loan to another shell company owned by XXXX Most likely to limit liability after an influx of unpayable loans. 

Furthermore, please specify what currencies Union Mortgage will be accepting for payments should the sale be legal. Is union mortgage accepting Fiat dollar? If they are not, then the Mortgage is voided. 

Additionally on XX/XX/XXXX I received a letter stating that my loan was again sold from Union home mortgage to union home mortgage which is even more strange. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Mortgage

PNC Bank advertises the ability to convert your HELOC to a fixed rate product on demand with a {$100.00} fee. What they fail to disclose is that at the time of conversion to the fixed rate product, they will 1 ) prorate interest on both sides ( variable and fixed ) according to the days in the month, which makes sense, and 2 ) collect full principle payments in the month of conversion. In practicality, on a variable rate HELOC, my monthly payment was {$3000.00}. On a fixed rate HELOC, it was reduced to roughly {$2600.00}. During the month of conversion from variable to fixed rate, my minimum payment due jumped to {$4700.00}.

I have escalated this with PNC Bank several times, including claims that both this is a predatory practice, as well as that collecting double principle in the month of rate conversion is not mathematically correct. After 5-7 days, I received a voicemail from a supervisor stating the payment is correct and to please contact the call center for questions ( they haven't been able to help... ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX BLATANTLY VIOLATES SEVERAL FCRA regulations. THE account was CHARGED OFF on XX/XX/XXXX. EQUIFAX, TransUnion and Experian REPORT DIFFERENT LAST ACTIVITY DATES, TRANSUNION XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXXXXXX continues to report it as a charge off/ collection status open, with discrepancies between each of the credit bureaus. This inaccurate information falsely manipulates statute of limitations, and proves that XXXX XXXX deceptively report incorrect information to credit agencies. Despite being charged off, XXXX XXXX has failed to provide me with a XXXX form, as required by IRS XXXX XXXX. Additionally, XXXX XXXX has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties. This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and XXXX ( Reasonable opportunity to opt out ) Furthermore, XXXX XXXX has violated my rights under the Privacy Act of XXXX. The Privacy Act of XXXX, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( Account : XXXX XXXX XXXX  Account # XXXX ), has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an orginal account with XXXX XXXX XXXX  which was sold and own to NCB management services incorporated. On XX/XX/2023 I reached out to NCB management and spoke with a supervisor and I ask when I pay off what I owe can you please delete the account from my credit report because I am trying to get an auto loan via my bank. He agreed ( there is a video recording through them ) and that it should be deleted in 2-3 weeks. I notice on XX/XX/2023 that they did report to the credit buearu that it is paid but however it is still on my credit report. I called the same day to ask if someone can put in writing on what was agreed concerning the account being deleted they said no one can do it and to call back next week to get a receipt of the payment which I will not receive until two weeks later. I called XX/XX/2023 to explain the situation and again another dead end one can write the agreement but will send me a receipt in 14 days. I mainly want a written statement from them agreeing to deleting my account and my receipt hope someone can help. NCB phone number : XXXX XXXX.
Product: Mortgage

I had a mortgage originally with XXXX XXXX without a escrow account. The mortgage was purchased in XXXX by PNC and in XXXX my wife sent a check to XXXX XXXX to pay property taxes and XXXX PNC stated the taxes were not paid and the county did not receive the payment. I reimbursed PNC in XXXX XXXX and called the XXXX XXXX XXXX office to no prevail. Everything was fine until XXXX XXXX, PNC stated I had an Escrow account which I never had and if I did I questioned a PNC representative why did you refund me the Escrow check in XXXX of XXXX. I continued to make my regular payments never late and they placed me into pre foreclosure. I have an attorney working on the foreclosure and filed a complaint with Illinois Attorney General office as well. They continue to take my money sometimes they refund the payments which they stopped payment on when I deposited the check into my bank account and report this late on my credit. I am in the progress of selling the home and need your assistance to get this resolved. 

I am also part of the class action lawsuit with XXXX XXXX XXXX/ PNC Mortgage on discrimination which was handled by your organization.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. According to FCRA 15 USC 1681 a credit agency shall not furnish any information about a consumer unless a consumer consent to the furnishing of the report. The credit bureau has violated my rights and stolen my identity.
Product: Credit reporting or other personal consumer reports

I have called Equifax multiple times about Fraudulent Hard Inquiries. I've communicated with the companies in question ( XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) and they have no record of me applying for credit. The certified mail I sent was either returned or wasn't able to be sent because the company did not exist at said address/location published on my Equifax Consumer Report. Equifax refuses to remove information even though I've provided them with the necessary documentation they've asked for.