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

After my XXXX payment, I attempted to set up auto pay, which I later found out was not set up properly. Prior to that, I paid my payments monthly around the due date. Prior to the XXXX payment, GM would send me emails every month letting me know my payment was due in 5 days. After setting up auto pay, or so I thought, these emails stopped. I have not received any email from GM about anything since XXXX I assumed, incorrectly, that this meant my payment would be paid automatically. That did not happen. So, I missed my XXXX payment as a result. To this date, I have not received any email correspondence from GM letting me know my payment was late. I would have missed the XXXX payment also, but GM reported me late to the credit bureaus on XX/XX/XXXX, which I received prompt notice of. I immediately logged on and made both my XXXX and XXXX payments. GM called me 1 time on XX/XX/XXXX, from a toll free number that actually came across as " Unknown '', to let me know my payment was apparently late, but the voice mail only stated they wanted to talk to me about my account with them. I assumed, incorrectly yet again, that it was a sales call. Had anyone let me know I was late I would have immediately made the payment. I have not missed a payment in well over 15 years. I had the money to make the payments. And I thought the auto pay was set up. When I finally was able to speak with someone from GM to try to get this resolved, the person told me that they were calling me over and over about this. That is a flat out lie. They called me 1 time again on XXXX XXXX, which again came across as " Unknown ''. Not once did they say my payment was late. They also claim that they spoke to " someone '' on XXXX XXXX but again, that is a flat out lie. They did not speak to me or my wife. They did not call either number. 

I made the payments on Thursday, XX/XX/XXXX for XXXX and XXXX. I then set up auto pay a day later. I have not received any correspondence from GM that the auto pay has been set up. I asked why they didn't send me any correspondence letting me know auto pay had been set up. The response that I received was that they don't do that. Every reputable company other than GM does that. Every company will also attempt to contact you multiple ways to get their payment. GM only called twice. They claim they called more than that, but that is not true. 

Plain and simple ... if my auto pay had been set up like I thought it had been, we wouldn't be in this situation. Since my auto pay was not set up, my emails every month letting me know that my payment was due should have continued. GM stopped sending me my payment due emails in XXXX for some reason, but they won't tell me why because they know it would show that GM dropped the ball with my auto pay. They also claimed they talked to " someone '' on XX/XX/XXXX, which is 100 % false.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting company Experian recently ( XX/XX/XXXX ) sent me an email ( see screen shot [ attached below ] ) explicitly stating that I had credit card ( s ), a login ID for use of the website Experian.com, and the total credit-limit amount assigned to me for all my cards ( taken from my Experian credit report ). The total credit-limit amount was even stated in the title of the email. I don't even know ( or care, frankly ) if these types of emails are even encrypted. 

I don't mind being offered a new credit card, but I am extremely sensitive about emails containing personal information of this sort. This is mostly because I was a victim of identity theft a couple of years ago, which I believe was due to the XXXX XXXX  data breach. Identity thieves opened up four fraudulent bank accounts, a credit card, and an ATM debit card. One of the banks even printed paper checks which were sent to my home ( where I have had my physical mail stolen on several occasions ).
Product: Credit reporting, credit repair services, or other personal consumer reports

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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX Money was reported need to refund back never refunded back traction I didnt authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to pull my Equifax report. Company is saying that this is because of my existing fraud alert. 

Additionally, there are 2 addresses listed on my previous address secition. One is an address in Indiana. I've never lived in Indiana. The 2nd address is an address on XXXX XXXX That address is not mine either. It, in fact is a place of business. It is not a residential address.
Product: Debt collection

AllianceONE claims I owe them money, I do not. I do not have any agreement or contract with this company. AllianceONE claims they are collecting for XXXX XXXX XXXX. I requested ownership of such debt, but they have not proven ownership of said debt. 

AllianceOne is not registered to transact business and/or collect in my state under statue NRS.649.075.

Proof of your authorization by law for your collection under statue NRS.649.054, NRS.649.056 , NRS.649.171 Pursuant to NRS.649.370, any violation of the FDCPA is also a violation of Nevada debt collection law .

AllianceOne failed to provide the complete and proper documentation that I have requested multiple times AS REQURIED BY LAW UNDER Fair Debt Collection Practices Act,
Product: Checking or savings account

I included a pdf of the transactions. I went to the Bank of America after finding out that the contracts/checks written to the various companies, were marked UNPAID DUE to closed account. The front page of the pdf was handed to the bank official with the question to see if these items were transacted for the purpose of doing the books. 

The answer was, that ALL XXXX items went through the banking system as evidenced on the front of the check and marked on the BACK of the check and not returned to XXXX XXXX XXXX. 

They were all electronically endorsed as included on the back of the items indicating the PAY Bank as the Bank of America ... ... XXXXthe payee Bank as XXXX XXXX. 
The XXXX XXXX, being XXXX XXXX accepted the instrument for cash out of the account holders Bank, Treasury Account . The item was tendered, but Not paid to the accounts receivable of the closed account. XXXX 's were not filed with the IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in 3 credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the late payments from this account : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Product: Credit card

I had my card with Ollo, which was bought out by Ally Bank. My Available credit was {$1600.00} with Ollo and Ally kept it at {$1600.00}. I made my payments on time every month and made a purchase over {$400.00} in XXXX, still making all payments on time. In XXXX for unknown reasons Ally reduced my {$1600.00} credit availability down to {$600.00}. Without notice, this in turn made the {$400.00} left from the XXXX purchase equal over 50 % of my available credit on the card. If they would have told me this was going to happen I would have never made the purchase with this card. I never missed a payment or was late on payments, there was not change to my credit report or negative action that would have caused this. 
Due to this my credit utilization is over 50 % of the credit on the card which lowered my credit score. 
Ally bank has several ways to reach me : mail, email, in account messaging, text message, phone call, they did not send one single correspondent to let me know they were going to lower my available credit nor have they responded to my inquiry as to why they did this. I was able to get a rep on the phone and she could not find out why they did this but was able to find out the day they did it which was XX/XX/. She also stated She does not see any actions on my account that would cause a decrease and of this magnitude. 
This is not how consumers should be treated, I have never had a bank do this to me. Nor can it possibly be an acceptable practice by law. Please let me know what can be done to rectify this situation.
Product: Debt collection

I called to pay off a judgment with Cawthorn, Deskevich & Gavin from a hospital bill. When I made a settlement amount and paid the same day, I was told that the judgment satisfaction would be sent to the courthouse within 15 days. I asked for a copy of the receipt as well and was told it would be mailed to my home address. I did receive a copy of a written receipt but never received the satisfied copy of the judgment and neither has the courthouse. I called several times to be told that the attorneys only have one original copy of the satisfied judgment and it is sent to the court house, again the court house has not received this satisfaction as of yet. The clerk at the civil court said they would accept a faxed copy from the attorneys office, so I call and again I am told that a faxed copy could not be sent to the court because they did not keep a copy of the satisfied judgment once they are sent off to the courthouse. I called their client, the hospital they represent, and was told from the rep in the billing dept that I should have been sent a copy of the satisfied judgment. So I call the attorneys office once again to tell them what their client ( hospital billing dept. ) has relayed to me, then I am finally told that another copy could be signed by the attorney and sent to the court house via fax and mail being the court house never received their 1st copy sent, and that I would be sent a mailed copy only, as I asked if a faxed copy could be sent to me so I could have it recorded at the county courthouse. I was told the judgment was mailed on 2 different days, I waited, called the court house everyday to be told it has not been received. How can these law firms get away with such lies. The same person answers the phone each time I call and its always a different answer from her to the same questions I ask. I was suppose to close on my home on XXXX XXXX, my bill was paid with the attorneys office on XXXX XXXX 2015. They never sent the letter of satisfaction to me or the court clerks office. I still do n't have a copy of the satisfaction and it now XXXX XXXX 2015. I 've called the XXXX house every day for week as I was told that the satisfied judgment was mailed last Monday XXXX XXXX, and as I kept calling back with questions and pleas to have the document faxed to the court, I was told it was then mailed on Tuesday XXXX XXXX. I do n't know what to believe any more, I just want my paid judgment of satisfaction to be faxed and mailed to the civil court as well as my home address so it can be reflected as paid at the XXXX house and I can move on from this situation. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 The Credit bureaus stated Account XXXX XXXX XXXX Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well
Product: Credit card or prepaid card

I am a victim of identity theft and someone opened a fraudulent credit card account with Navy Federal Credit Union. I did not apply for any credit card account with Navy Federal Credit Union. The account is fraudulent and not my account. I been receiving harassing and threatening phone calls of profane, vulgar and abusive language, legal action, arrest, job loss, garnishment of wages, jail, prison, XXXX and XXXX XXXX from Navy Federal Credit Union Debt Collection Representatives which is frightening and a major violation of the Fair Debt Collection Practices Act under Federal and State law.
Product: Vehicle loan or lease

XXXX XXXX ( # XXXX ) had my lease. Problem happen at the time of paying off my lease. Spoke XXXX XXXX multiple times on my pay off amount and refund amount of {$810.00}. Every time I spoke with them the representative gave me different info. Asked to speak with an manager on XX/XX/XXXX at XXXX CST the representative refused to let me speak with one and advised that a supervisor would call me back in 48 hours or less. I asked why in XX/XX/XXXX that a supervisor was not available and she said no supervisor was on the floor. I asked why is there no manger for a customer to resolve a customer compalint. I would like to see better training and technology to help customer get a better experience. Also I want to see managers available to take calls immediately Called back ( XX/XX/XXXX XXXX cst ) to speak to another representative asked to speak to a supervisor again refused to let me talk to supervisor. I reminded representative that the call was recorded and all my calls are recorded. 

I 'm asking for the CFPB request all phone calls of my account with XXXX XXXX to find out where my refund is and why no one XXXX XXXX can give simple answers.
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above.

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! The reports are not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Credit card

I have paying off debt slowly and have even invested in the XXXX XXXX and my credit is still being denied. I lost my job during XXXX and I have had a really hard time finally getting caught up with debt. I get denied with credit application, some of my hits are old and should not be held against me anymore.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

I have been making biweekly payments towards my auto loan through my bank 's bill pay service for more than a year. The monthly total has been more than the minimum due. Come to find out the payment overage has not been being applied to the principle balance, but to the next payment due. I called to have each payment overage applied and was advised this could not be done, but they would adjust XXXX payments as a courtesy. Going forward the only way to have a payment applied to principle is to mail a check ( Who uses checks? ) or get a bank account through them ( obligating me to get another product through them to reduce my principle loan balance! ). That 's ridiculous and not the case with other loans! I pay more than the min due on a credit card and it goes to principle not the next payment! I originally set up the biweekly payments for more than the minimum due to payoff before the maturity date. The plan I chose, with a financial planner, should have paid off the loan 6 months quicker. Now all my long term financial plans have been delayed by 6 months. I made the choice to be responsible consumer and now I am being punished for B of A can make a little extra money off me and derail my financial goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, Equifax and XXXX. It has been __ days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 dispute regarding request to remove negative reporting missed payments on a XXXX business account auto loan, Disputes opened with XXXX, XXXX, and Transunion. The payments were not late but were reported late by XXXX after a failure on their part to adjust the loan payment structure following covid 19 and account being affected by natural declared disaster. There has been no response from XXXX or the 3 credit agencies regarding this matter.
Product: Credit card or prepaid card

When the pandemic started back in XX/XX/2020, I was in XXXX, XXXX XXXX, I could not enter the USA due to the pandemic. I had two credit cards with Bank of America, which I was supposed to make MONTLY payment, Since I could not make the payments from XXXX, I called the bank directly to posponed the payments until I could enter the country and make payments myself, I was told not worry that as soon as I enter the country I could make the payment. As soon as was able to enter the country, I started making the monthly payments, which I have continue making the payments on time ever since I was able to enter the USA. However Bank of America without notice, closed my two CREDIT CARDS, even thought they said no to worry that as soon as I enter the country just make sure to start making payments. 
I have visited the bank, I have called many times asking to please reopen my credit cards that they closed for no reason, as they said not to worry that the were going to defer the payment and wait until I was able to enter the country again. 

On XX/XX/2020, I stopped by the branch is XXXX XXXX california spoke to XXXX XXXX, this is her phone number ( XXXX XXXX XXXX to get information as why the credit cards were closed, she said that there is nothing written and they do not know as why the credit cards were closed, still a mystery to all the bankers I have spoken to why my credit cards were closed without notice. I just want to add that the same day I made a payment of {$400.00}. I am a honest person and do not want bank of America to destroy my reputation during this difficult times we all are going through.
Product: Debt collection

REceived REPEATED calls min 3 dozen, Same thing everytime rols tovoice mail as I keep my cell on virbrate and rarely answer it as it rings. Then no message is ever left. Almost every time I call the number I get a busy signal when I DO get a human they hang up on me before ever telling me what the call is about. I can not look up what it is about online as I do not have a required reference number and I am informed I have to contact my original creditor to get the number. Kinda hard to contact a creditor as I have no clue whom the creditor might be let alone if its a valid debt. When googling online the phone number this seems to be typical behavior and possibility exists they do various online scams as well. 

If the company is SO incompetent they can even communicate what they are contacting me about I ask they cease and desist contact in the future because as it now stands all they are doing is harassing me like a former girlfriend who calls you over and over and hangs up when you pick up the phone.
Product: Debt collection

I was living in a rental appartment complex. And when i moved i was not aware of the bogus charges thats on my credit report.They did not give me any paper work nor did i sign anything at the time to agree to these charges.And i'am also aware of this has happen to several residents that lived there after they moved out.