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

See attached doc detailing how XXXX XXXX  Reinserted a previously deleted negative erroneous account back onto the my consumer report. After researching my rights in this matter I see that my rights have been violated in this regard as the consumer law states as follows : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. 

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
Product: Student loan

I was told that all loans were federal loans and that I had a fixed interest rate. After finding out that was not true, I tried to consolidate the loans into a fixed rate and was told I could not transfer of change the terms of my loans. This happened over several years and I did not find out until after I graduated what I would be paying. I found over XXXX loans from Navient that I did not agree to during my education. I asked multiple times for copies of my signature on any loan forms and was never provided a copy with my actual signature. There were loan papers that had an electronic signature that did not match the spelling of my last name.
Product: Credit card

I was wrongly charged by Apple for in-app purchases that I did not make. I opened disputes and Apple returned some transactions and others not, showing a total lack of standardization of decisions. I contacted Apple 's credit card at Goldman Sachs to dispute the transactions that Apple did not return. I was surprised by the difficulty they impose on me to open the dispute and soon after opening it, they canceled my credit card saying that it was within the terms just because I opened the dispute, which is my consumer right. It took a long time and now they got back to me, with difficulty again, saying that the charge was authorized by me, even though my credit card had been locked in my wallet for a long time, even before the charges started, because I did not use this card frequently. I opened complaints in the meantime that were not resolved, showing that this institution lacks auditing. There is also a lack of auditing to standardize decisions. The total that is being unfairly charged is US {$4500.00}, which I hope will be returned without me having to take legal action. Closed my account impact in my credit score.
Product: Credit card or prepaid card

i was the victim of identity theft and all 3 credit agencies have been investiagating along with the creditors and have deleted them from my report.  Discover card has not investiagted it, and simply mailed be a statement with a balance and say i owe this amount.  I provided them a phone number and ftc report and details on why the account is not opened or mine at all.  Credit agencies  have deleted it and confirmed, i received a letter from discover the other day 40 days after the dispute that they are handing the matter over to a law firm.  I will try to call them again and give them the info i had provided them.this account is not mine and thier harrassment of calling me has never stopped since my original ftc complaint. Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CCB/CHLDPLCE
3 LATE PAYMENTS
Credit usage
100%
Balance XXXX  Balance updated XXXX XXXX XXXX
Credit limit XXXX
Account info
Account number XXXX  Open/closed
Closed
Date opened
XXXX XXXX XXXX
Account type
Revolving account 
Status
90 days past due
Status updated XXXX XXXX
Past due amount
XXXX
Highest balance
XXXX
Monthly payment XXXX
Contact info
Address XXXX XXXX XXXX XXXX, OH XXXX
Phone number
None provided
THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE  IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO "FAIR CARES ACT" ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Vehicle loan or lease

Your company is in violation of the FDCPA, TILA, and UCC codes. Which GM FINANCIAL is collecting a debt for your company XXXX XXXX XXXX. On XXXX XXXX I sent GM FINANCIAL a VLIDATION OF DEBT letter. On XX/XX/2021 I received a letter stating that I signed a credit contract with them, which the copy of the contract was attached which shows I did a consumer credit transaction with XXXX XXXX XXXX not GM FINANCIAL .also attached was a copy of the account payment history showing that they been collecting your debt.which shows me that your company assigned GM FINANCIAL MY contract to collect your debt without my consent which is Identity theft and that is FRAUD. 
Pursuant to the FEDERAL TRUTH IN LENDING a contract can not be credit or cash, because credit covers all Obligations.also the finance charge is the sun total of all charges which includes insurance. 
Pursuant to 18 USC 8 the term obligation or other security of the United States includes all bonds and certificates of indebtedness.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : It my with great displeasure I want to inform you that You violated my right as a consumers! Please be awaare that ONLY fair and accurate reporting is necessary for the financial system to function! When you reports inaccurate and unfair credit reporting information, it undermines the public confidence pursuant to 15 USC 1681 ( 1 ). 

Please be adviised that YOU have assume a vital role in evaluating my Credit report, you have also make sure that you respect my right to privacy! Since I resarve the right to privacy you shall not report any transactions or experience between myself and the person making the report at XXXX The only way communication ammounts other with common ownership it must be clearly and CONSPICOUSLY disclosed to me. Youre reporting information on without no proof or investiigation prior to these items being reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous.XXXX and Transunion must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX XXXX XXXX XXXX Late Dates XXXX
Product: Debt collection

Resubmitting this as a separate complaint after speaking with CFPB. There is a collections amount on my credit report that is not mine, and I believe is connected to identity theft. The collections amount is currently listed as {$20000.00} as of a credit report I requested to be run on XX/XX/2023. The collections agency is listed as " Mutual Management Services LLC, '' and the original creditor is listed as " XXXX XXXX XXXX XXXX. '' I don't know how many ways I am able to express that this collections amount does not belong to me. I believe it to be the result of identity theft, and am opening this complaint to document this as such so that an investigation can resolve this issue. I would like to be very cooperative in this process, as it has been very violating to learn that someone has been stealing and misusing my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on Bank of America XXXX app on the XXXX of XXXX but the payment did not withdraw from my account. I proceeded to make another payment on my account on the XXXX but bank XXXX proceed to flag my credit report as 30 days late when 30 days would of been on the XXXX of XXXX. I proceeded to try to resolve this issue with Bank of America over the phone by speaking to XXXX XXXX XXXX. But all I got from him was a attitude and him being rude as well as telling me maybe you should make your payment on time. Not only did that come off as rude but as well as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained an Auto Loan from XXXX XXXX XXXX XXXX in XXXX of XXXX. To the best of my knowledge, I was the primary Borrower on the account, and XXXX XXXX was the co-signer. As a direct result of the acts of XXXX XXXX XXXX XXXX, my name was not on the vehicle title. As a result of such, several years ago, I was XXXX and accused of XXXX XXXX XXXX. I provided documentation showing that I purchased the car, and I was released. The charges against me were eventually dismissed. 

I contacted XXXX XXXX XXXX XXXX, and they could not assist with having my name added to the title. Regardless of such, payments were continuously being made, and in XXXX the loan was paid off in full. 

Despite the facts above, XXXX XXXX XXXX XXXX has refused to correct the erroneous information on my credit report, which is drastically affecting my credit score. XXXX XXXX XXXX XXXX reports Debt included in or discharged through Bankruptcy, which is incorrect. XXXX XXXX provided a payoff letter back in XX/XX/XXXX, proving by its own account the loan was satisfied/paid-in-full. 

XXXX XXXX has continued to falsely report this information even after I've filed over a half dozen disputes with the credit bureaus.
Product: Debt collection

I was in a car accident in 2016 and I ended up having to go to the XXXX. The accident happened in a company car but I was considered an independent XXXX at the time and I had my own insurance to cover the costs of my medical issues. The hospital over heard me say it happened in a company vehicle and refused to bill my insurance and forced me, in my incompetent state to file for workman 's comp. The company I was working for at the time did not take responsibility for the medical bill I was left with. They fired me from my job because of this reason so I was unable to pay the bill off myself. I tried to submit to XXXX XXXX XXXX all the necessary information to dispute it so they would charge my insurance but they never contacted me back in regards to this bill so I was under the assumption they billed my insurance ( being the nave XXXX XXXX XXXX I was at the time ). Fast forward two years I make a XXXX XXXX account and it says I owe {$14000.00} to a debt collector 'Grant and Weber ''. I have received no notice what so ever about this account and was fully unaware and if I knew sooner I would have figured something out before it got to that point. I didn't get any notice from XXXX or the Collections company and the interest on this account goes up almost every week and is almost double the original amount of the bill I originally received. I am not understanding why this has happened and I would like to figure out my options moving forward considering I had no knowledge of this debt. I have learned some new information that Medical centers and collection agencies are legally not allowed to sell my medical information 's to company 's such as XXXX  XXXX, whether that be true or false I am just trying to get to the bottom of this. I have tried to dispute this with the collections agency and they are very rude and unhelpful and often times hang up on me. I've tried to dispute it through XXXX XXXX  and they deny it every single time. This is my last result of trying to handle this debt.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Checking or savings account

XXXX intentionally canceled XXXX of my reservations and refunded a cancellation fee of XXXX via XXXX XXXX. They told me it would be done in 24 hours. The Chime bank app tried to steal XXXX $ of this XXXX $ refund and notified me that I was only receiving {$17.00} of the refund when the document clearly stated that Chime and XXXX owes me the full refund of XXXX which is the {$110.00} plus {$17.00}. The app and website both owes me {$120.00}. The Chine app is trying to steal it from me like I dont matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company and asked them to provide me with documents showing my signature, how the loan was established and proof that the loan belonged to me. They advised me the loan was sold and could not provide any information. I disputed with XXXX XXXX and XXXX so that I could get the info and they advised me proof was provided but they could not provide it to me. I want this matter looked into because this company should not be reporting on my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I sent a first class letter to TransUnion requesting the name, address, and phone number and all other documents that were used to verify each account that was investigated. By law, they have 15 days to send me this information but they refused to send it. They received my request onXX/XX/2024 per the USPS tracking system. They are in violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my XXXX Credit Report, DISCOVER made a credit inquiry to XXXX in my name on XXXX XXXX 2016. This inquiry resulted in DISCOVER declining an application for credit that they believe was submitted to DISCOVER by me. I have not ( ever! ) made a credit application to DISCOVER, and the application which DISCOVER received was not made by me ( or was an error made by DISCOVER ). 
I have written to DISCOVER and asked them to provide information about this request for credit, and to have DISCOVER remove this item from my credit history. DISCOVER have responded without providing ANY of the information I requested, and have stated that their information is correct. This is untrue.
Product: Mortgage

I was notified my mortgage payment is increasing on XX/XX/XXXX. Currently I pay XXXX / month, they notified me it's going up to XXXX / month. This is a XXXX dollar difference per year- they claim my shortage is XXXX. They are billing me more than the shortage. 

Also my property taxes are capped in WA at 1 % assessed value rates for the year. My rates right now are 0.92 %, but even if that has increased my total max tax payment theoretically in XXXX is lower because my assessed property value has decreased. The max is 1 % of assessed XXXX- which would be XXXX per annum and chase is quoting XXXX. They are projecting my insurance premium goes up by XXXX dollars a month - my premium is constant for the last 3 years. Nothing adds up. They say I can not recalculate this broken analysis before 2 months, which is how long I have to pay the shortage to keep my payment the same. 

They also claim they notify escrow increase in XXXX on their website. No such early notice was provided.
Product: Checking or savings account

I am seeking assistance regarding an issue with Trust Bank concerning my Business Checking Account. Initially, upon opening the account online, Trust Bank did not provide essential account materials such as a welcome packet or a Deposit Agreement. Additionally, there was no option offered to order a debit card, nor was one sent automatically with the account opening.

Furthermore, Trust Bank advertised a policy of no Overdraft Fees, but this was misleading as it applied only to specific accounts, a detail not clarified in the promotions. The absence of initial account documentation left me uninformed about key aspects like transaction processing and posting times, which are crucial for managing the account effectively. 

During the XXXXXXXX XXXX XXXX holiday, a transaction resulted in an Overdraft Fee being charged to my account. On XX/XX/2024, I contacted Trust Bank for clarification. The explanation provided by the representative was unsatisfactory, as it did not adequately address my questions about transaction statuses and processing policies. It seemed to be her interpretation rather than a clear representation of written policy. 

XXXX XXXX XXXX XXXX XXXX  XXXX, I face challenges in fully grasping verbal explanations. I requested a waiver of the overdraft fee, considering my unfamiliarity with the bank 's processes and the lack of written materials to reference. Unfortunately, my request was denied, and the representative was unable to provide a specific reason for this denial, offering only general contributing factors. 

I am experiencing considerable frustration due to Truist Bank 's failure to send written information regarding my account via mail. This oversight has significantly impacted my ability to make informed decisions about managing my transactions. For instance, had I received the necessary documentation, I could have determined whether to use my business or personal account for specific expenses. Providing customers with the essential tools and information to manage their accounts effectively is a fundamental responsibility of a bank, and in this case, it feels like this responsibility has not been met. This situation could have been easily avoided if Truist had adhered to basic customer service practices and ensured that I, as a customer, was properly equipped with all relevant account information.