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

I filed a complaint with the XXXX  on XX/XX/XXXX and XXXX has returned it as an alleged invalid complaint, see paragraph below for a timeline of events. GM financial has failed to resolved the issue even though XXXX XXXX has accepted 100 % liability. I've attempted endlessly to settle this and can not because GM Financial has the car hostage, my credit now shows a closed account due to a recovery which is absurd considering XXXX XXXX has agreed to pay. It is XXXX and I have been without help and a car since XXXX. GM Financial has refused to help and only gives general information regarding a resolution. This type practice can in no way be in good faith or fair dealings and in my opinion predatory. Due to GM financials failure to act or their unfair acts on multiple occasions has caused me to be here. 

" On XXXX a vehicle was racing and ran a red light totaling my vehicle. It was subsequently impounded. For about 11 days I attempted to file a claim with the responsible party and could not do so due to the driver providing an incorrect policy number. On the 11th day, I contacted my insurance company to file a claim. On the 12th day we finally were able to get a police report from XXXX XXXX. Through some due diligence on about the 13th day after the accident, XXXX was able to locate the policy using the VIN and XXXX filed a claim on my behalf with XXXX XXXX ( The responsible parties insurance ). On XX/XX/XXXX, GM Financial sent me an email regarding receiving an impound notice. Because the claim was not yet resolved, I did not provide any information to GM until I've had the opportunity to speak with XXXX XXXX. Before I could settle the claim, on XX/XX/XXXX GM Financial took possession of the car without my knowledge. They stated the car was recovered due to them paying the impound bill. I told them XXXX XXXX was going to pay it but they had no explanation for me at all. I've emailed, called, and no one and I mean no one will help me with XXXX XXXX, GM Financial. I can't buy a new car because GM financial has noted my car was a voluntary repossession and closed the account. XXXX XXXX will not speak with me because of GM Financial. My heart is so broken that it seems like everything that could go wrong based off the decisions of the impound, lienholder, insurance companies ... ... .I strongly believe that GM Financial does not want to process any claims under the GAP insurance which is why they have ultimately ignored me. I fully believe that GM Financial has settled with XXXX XXXX received payout, and closed the account to avoid covering the GAP portion I paid for. It is unfair, unethical, and bad dealings. GM has closed the account and noted a voluntary repossession. " Please help me. I really need a car to get to work as I am changing positions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car loan was paid off in XXXX of 2021, Ally is still reporting my account is past due because there are some late fees owed. My loan with them is paid off, I have no monthly payment amount that is due with them anymore. The late fees are owed so I can get my title. The money I borrowed was pad back in full. Late fees can not be considered past due because they are not part of my monthly payment. There is no due date for late fees and no specific amount to be paid monthly. Late fees can not be considered 30 days late if there is no due date for them. 
I am requesting a full statement on all late fees incurred for each month Ally is saying late fees are owed. 
I am requesting any late payments reported due to late fees owed to be removed from my credit report promptly. 
You can not report late fees 30 days late once loan is paid off, these are fees to be paid to get the title for the vehicle used as collateral for loan. 
I have a letter from Ally showing XXXX balance for financed amount owed and the letter says the late fee amount is to be paid in one payment. I did not have the amount owed for late fees at time due to covid 19 and job and income issues. The letter from Ally does not list a monthly payment amount or due date for the late fees. The letter states " it is necessary to clear these charges to avoid further delay to process title ''. Again no due date or monthly payment amount is listed so how can a payment be considered 30 days late with no due date listed. 
I called Ally on XXXX and XXXX and spent hours on the phone to get issued resolved and kept getting transferred from one person to the next and no one took the time to help me.
Product: Debt or credit management

Today XX/XX/2023 I received a call from someone claiming I owe a debt to XXXX XXXX they said they were with credence resource management but both phone numbers provided to me did not belong to this company. The name given was XXXX XXXX and XXXX XXXX. They gave me a number to call XXXX and called from XXXX both numbers unrelated to credence resource management. He knew my address and name then said I owe XXXX XXXXXXXX dollars he then stated two phone numbers associated with the att account that I never had.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time that i am filing a complaint about the inaccuracies that continuously keep reporting on my credit report. I still havent been sent any proof that these accounts belong to me yet they remain on my credit report. I filed a complaint before and there still hasnt been any response to my original complaint. These negative accounts are continuing to affect my credit report, and none of these credit bureaus can verify the accuracy of these accounts.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital 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 USC Code 1681eb. 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 to be removed/updated. 

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. 

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

Today I contacted the District of New Jersey at XXXX XXXX XXXX, XXXX Fed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX with the phone number ( XXXX ) XXXX and help desk phone number ( XXXX ) XXXX. They informed me that they do not supply information the third parties. How did you verify this public information? 
Bankruptcy XXXX XXXX Reference # : XXXX Court : XXXX XXXX CT NJ XXXX Date Filed : XX/XX/2014 Bankruptcy XXXX  XXXX Reference # : XXXX Court : XXXX BANKRUPTCY COURT Date Filed : XX/XX/2014 2014
Product: Student loan

I have been paying back my student loan for 5 years now. I got a warning on my credit monitoring account that my student loan balanced increased by XXXX dollars this month. I then went through and looked at my payment history. My original amount borrowed was {$36000.00}. In five years I 've paid a total of {$31000.00}. The life of this loan is until XX/XX/XXXX ( another 26 years ) at this rate. I will be paying {$150000.00} on a loan that is {$36000.00} borrowed. Which is absolutely insane. I 've called multiple time and Navient refuses to even review my loan or provide any reasoning to why my loan is in it 's current situation.
Product: Credit card or prepaid card

On XX/XX/22, I paid off my Apple Card balance of {$1600.00}. However, for some reason the default bank account was a very old, closed, defunct account. I recognized this immediately and contacted the credit card issuer ( Apple Card/Goldman Sachs ) to cancel the payment. I was told the payment simply would not go through. The same XXXX the payment was declined as expected, so I paid the balance ( {$1600.00} plus some additional charges I had accrued ) of {$1700.00} using the correct bank account, the same day ( XX/XX/22 ). 

This payment posted correctly and my balance was paid off. However, a XXXX XXXX later on XX/XX/22, I was given a " XXXX XXXX '' on my Apple Card for {$1600.00}. I have chatted with more than XXXX specialists with Goldman Sachs/Apple Card at this point, and they generally told me it is an error and they would file a dispute. However, the dispute has either been rejected or not resolved for the past few weeks. I got a call from a XXXX today who stated that for some reason, they refunded the declined {$1600.00} to the defunct/closed bank account, and they issued the XXXX XXXX because I somehow owe this money despite never having touched that money ( which is impossible since the bank account was closed ). I have checked my active bank accounts and haven't found any evidence of this " refund. '' The XXXX told me that I would have to call this bank ( which I no longer have any active accounts or relationship with ) and ask them to somehow provide proof that a nonexistent bank account is indeed nonexistent. Unfortunately, I can not get through their automated systems and when I log in to the bank 's site, it shows that I have no active accounts with this bank.
Product: Credit card

US Bank recently cancelled the free night award bonus which was a benefit of their XXXX credit card. I had renewed my annual membership with them for this card solely for this benefit feature. US bank did not communicate clearly with me that the benefit had changed. Instead they added a small notification in my monthly statement to notify that this benefit was set to expire XXXX XXXX. I feel I was misled by US Bank as they advertised at the time I renew my membership unlimited free bonus award for any nights booked with points. My family does a large part of our banking with US bank and are now considering other options.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX XXXX, XXXX. was never late! I have had exceptional payment history witH capital one 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 USC Code 1681eb. 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 those account 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
Product: Money transfer, virtual currency, or money service

I check my credit bureaus every month to ensure accuracy. This month the credit bureaus are reporting for the first time an open account with PayPal credit. I have no such account.

In response, PayPal has told me that I do have an account with them open for several years ( although with a XXXX balance ). This is not possible as evidenced by the fact that never in the past decade has such an account been listed by the credit reporting agencies.

To close an account, PayPal requires a phone call to a live representative. When I did so and explained the situation the representative told me that they would investigate the account as fraud and that the account would remain open until the conclusion of the investigation. I explained that I simply wanted the account closed. I was told I could only do so by verbally acknowledging the account was valid while I was being recorded. 

The fact that one of the largest online entities on the globe will allow an account in their name reported online on their website but refuse to allow online account closure by the consumer underscores the deceptive nature of their business practices -- the company opens credit without notice or authorization and then makes closure of the account more difficult.

PayPal says it has closed my account.

I urge the CFPB to institute an investigation into the credit lending practices of PayPal credit.
Product: Debt collection

I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I dispute the validity of the debt and request that you provide the necessary documentation to prove I am responsible for the amount you claim. 

Please provide the following information : XXXX. The amount of the debt you allege I owe. 
XXXX. The name of the creditor to whom the debt is owed XXXX. A copy of the original contract or agreement bearing my signature XXXXA breakdown of the charges and fees applied to the debt. 
XXXX. Proof that you have the legal right to collect this debt, including any assignment or transfer of the debt to your agency. 


Until you provide the requested validation, I request that you cease all collection activities related to this account, including reporting this debt to any credit bureaus. Please also ensure that this account is marked as " disputed '' in my credit file. 

Please note that under the FDCPA, you are required to provide the requested information within XXXX  days of receipt of this letter. If you fail to do so, you must cease any further collection efforts on this debt, and it should be removed from my credit report. 

Thank you for your attention to this matter. I look forward to receiving the requested information. 
Sincerely,
Product: Checking or savings account

So I open a new account wit sifi bank. After a couple of weeks I start having problems with an authorized transactions, So I contact them to inform them about the inattorized transactions on my account, They close my card and issue a new, So then. 
Without without any explanation, they proceed to close and freeze my account. Supposedly supposedly because I have violated the company policies which I have no idea. What are they talking about? The only thing they told me it was that because I deposit a check that apparently was fraudulent. So I contacted them to notify them. It wasn't me. The person deposited that check. I explained them. That XXXX is been missing in the neighborhood lately. And that's some of my personal information was also stolen. I even have a police report for that. So I contact XXXX to explain them that it wasn't me. The person who was using my account so that I have no idea about the check. They're mentioned but they didn't listen to me. And they just frost my account and They Refuse to gave me my money from the balance of my acfor the disputed XXXX sections and I still haven't got nothing.It 's been more than two and a half months.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to legally fulfill its obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on mt credit report, leaving inaccurate information and unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer evidence to furnishers, accepting unreliable responses, and failing to notify customers adequately of dispute outcomes. Experian has yet to correct or remove anything disputed despite evidence provided and I'm requesting immediate removal of disputed accounts.
Product: Credit reporting or other personal consumer reports

Throughout the course of the past XXXX months, there has been a high rate of inquiries on my credit report that I did not authorize nor make I am a victim of identity, theft, and request these false request be removed immediately. 
Copy it reporting this creditor has violated my rights under 15 US 1681 section 602 states I have the right to privacy 15 US 1681 section 6048 section 2a states consumer reporting agency can not furnish account without written instructions under 15 US 1666B creditor may not treat a payment on a credit card account under an open and consumer credit plan for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is the FTC report that I have sent before about fraudulent reporting on my EQUIFAX credit report. I will continue to report EQUIFAX for failing to take action when it comes to fraud,.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an international XXXX student at XXXX university. I opened abank account in XXXX XXXX, XXXX, Al in begining of XX/XX/2018, i used the bank depit card for buying some stuff online and paying in super markets correctly. At the beginig of XX/XX/2018 the XXXX XXXX  told me that was closed without showing any reasons. I didn't get my monyback till now. I tried to open an account in XXXX XXXX  and applied online for a deposit account, i recieved a message from the bank that my request was rejected due to a report from a Consumer Reporting Agency which is : Equifax Information Services, LLC ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ). 
I tried to get what is inside this report but i couldn't. 
The problem now that i want to know what is wrong with me and also i have to open a bank account to recieve my salary on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the following accounts because it did not show the correct payment history on the accounts. Payment history as reported is inconsistent. The accounts were reported as charge off " open '' with balance. How can this account be charged off and it still showing a remaining balance! Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and remove the accounts ASAP XXXX XXXX XXXX, XXXX XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested my credit reports and found some fraudulent accounts had been opened in my name.

Transunion- Report # XXXX Is reporting two fraudulent accounts that do not belong to me : *XXXX XXXX XXXXXXXX XXXX XXXX orginator of the debt ) * XXXX XXXX XXXX- ( fraudulent auto loan/lease ) I have directly contacted this credit bureau with my dispute, I need your assistance at this point. 

XXXX Report # XXXX Is reporting a fraudulent account from XXXX XXXX XXXX XXXX auto loan/ lease0 This account is not mines and was opened in fraud.
Product: Debt collection

I.C.System provided a Credid Reporting Removal letter
Product: Mortgage

I have an accepted offer on my house in Alabama. I was supposed to close on the XXXX of XXXX. The mortgage company who has the mortgage says that by law they have 7 business days to give me a payoff of the mortgage. The company name is Village Capital and Investment. They sent me an e-mail telling me this after I had been run through the mill trying to get a payoff. It took me two days to get through to even talk to anyone about getting a payoff. The title company who is handling the closing could not get a response from them what so ever. Their website is not user friendly and does not offer to get a payoff anywhere on their website. I made the request on XX/XX/2021. So, now, I wont get the payoff until the XXXX of XXXX or longer if they mail it. The laws need to change. There is no reason why it should take 7 days to compute a payoff other than the banks are milking the consumer for more interest. The way this guy wrote his e-mail would suggest he is going to do everything he can to make my life miserable. Village Capital will not get any more of my business.
Product: Mortgage

Mr Cooper, the mortgage company servicing my mortgage loan has reported " 1missed payment '' to my credit history which is absolutely incorrect. My monthly payments are always made on time. I have been making my mortgage payments through the same bank for years, and all the records are there confirming the validity of my complaint. I have spoken to numerous agents at Mr Cooper to no avail. My last call was with XXXX XXXX on XX/XX/2020 who said someone would try to resolve the issue.
Product: Debt collection

the collector called from a local phone number indicating they were representing another party form the same office regarding student loan debt which is presently being paid. Also the previous party who arranged repayment of student loan debt did not disclose how funds would be distributed, thirdly the collection agency indicated they never received information I faxed and mailed to them on a timely basis, and it is my belief that this was done to run me over the time deadline to qualify for payment arrangements, in addition, the collection agency never offered a plan to have the debt not being reported on my credit as well as my dependent child 's report