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

I have contacted GM several times over the past year regarding online bill pay issues and my issue has never been resolved. In the past year, the payment system had issues, went down, reported the incorrect amounts due, the auto pay stopped working for us on only 1 of our accounts ( we have 2 loans through GM and money is taken out of same bank account ). At one point for 2 months, I received a message through the online portal that the system was experiencing issues and " nobody would be charged a late fee or be reported to the credit bureaus ''. This was a lie. 

I have attempted to resolve this issue several times with no success due to never being able to figure out what the issue is with the customer service team. Now my credit report states that I have been late in XXXX, XXXX, and XXXX. I have another account through GM with the same bank account, and have never been late. This account is the only one I've had issues with and getting them resolved seems impossible. My perfect credit score has been ruined from this experience. The lack of customer service is appalling and uncalled for. I just spoke with a woman on the phone who did not listen to a word I said and basically told me I was lying about what I was telling her and arguing with me at every turn. Instead of trying to understand, she just kept interrupting me and finally I asked to speak with a manager. I was transferred to XXXX who was equally as unhelpful. 

Previously, last week on XX/XX/18 I spoke with a man in customer service who told us that the past due amount was {$40.00} and we could pay it online and all would be fine and all would be caught up and if we disputed the issues on the credit report, he would enter a note so that the errors were corrected. He never said that we had a past due PAYMENT. We paid the amount of {$40.00} and now the system says we owe over {$1000.00}. I can not seem to get a straight answer of what happened or where the error occured because I'm not being heard. Because of this, my credit score has been affected and I believe that is unfair due to the fact that I have been calling in and communicating via the online system and still am having issues that clearly haven't been resolved. This is one of the worst experiences I have ever had paying any of my bills. I'd like to have this resolved immediately however the only thing I am hearing from the customer service department is " I understand, there's nothing we can do over the phone. '' The manager also said she wasn't responsible for what her employees say and told us he failed to write notes in the file based on promises that were made.
Product: Credit reporting or other personal consumer reports

I want to emphasize the importance of accurate credit reporting, not only for my personal financial well-being but also for the integrity of the credit reporting system. It is imperative that credit reporting agencies like yours fulfill their obligations under the FCRA to ensure fair and transparent practices. The FCRA was put into place to protect consumer like myself, and other privacy and you will uphold the law!!! Or you will be liable to pay me {$1000.00} pursuant to 15 USC 1681n civil liability for non compliances. 

For months, I have attempted to navigate the labyrinth of your dispute resolution process, hoping against hope for a resolution that never seems to materialize. Instead of finding solutions, I've encountered roadblocks, delays, and an overwhelming sense of frustration at every turn. It's disheartening to see how little regard your agency seems to have for the significant impact these errors can have on individuals like myself Pursuant to 15 USC 1681n Civil Liability for non complaint, due to several attempt, I have suffered financial damages and as a result your company owe me {$1000.00} plus my attorny fees which will be associated with me taking legal action. I am hoping you understand that my next option is this. Im hoping you understand I have kept a close record of all response from you.
Product: Credit reporting

Several weeks ago ( 3-5 weeks ) Transunion removed all of my hard inquiries from my credit report at that time my credit score was between XXXX and XXXX depending on which agency I looked at. After the removal of the hard inquiries my score increased again to almost XXXX. This past week I checked my credit report and Transunion added all of the hard inquires to my credit report again causing my credit score to drop drastically to below XXXX. I contacted Transunion and spoke with a customer service rep and his supervisor who told me that the inquires were removed due to a " technical issue '' at this point I informed transunion that the re-addition of the inquires have significantly hurt my credit score, the supervisor told me that the inquiries that were added back to my credit report did n't change my score at all and refused to remove the inquiries again. I want to buy a home in the beginning of next year and have been working very hard to improve my credit score. I feel that I as the consumer should not have to suffer due to transunion " technical issue ''.
Product: Credit reporting or other personal consumer reports

Improper reporting, reopening accts that's are refinanced and closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my identity stolen. Credit cards and other accounts were opened under my name by someone else. I filed a federal trade commission report ( FTC ) and a police report. They told me to send the reports to the companies that had opened accounts under my name and tell them that it was fraudulent account not opened by me. I did that and I also sent them to the credit bureaus. Most accounts were removed from under my name due to my identity being stolen but one account which is bank of America credit card. I have called them multiple times and sent them the reports that I received from the FTC and the police. I explained the situation to them multiple times. I have done multiple claims with them about this account being fraudulent. They make me wait 60 days from the time I make the claim with the reports. Then they contact me back two months later and say it belongs to me. I tell them every time that I did not authorize anyone to open this account under my name and this is a fraudulent account due to my identity being stolen. They have not followed the laws from the FTC or the police reports. They keep insisting that i have to pay this amount. This is fraudulent banking practice. Bank of America has been sued and lost multiple times in the past due to wrongfully practices and unfortunately I am the latest. I'm sure they are doing the same thing to other people across the country. They should do the right thing and cut there losses. That should do whats right and take care of this problem due to identity theft but they care about money doesn't matter if they get it from an innocent person who had nothing to do with the problem on hand other then the fact of being a victim of identity theft. This company needs to be investigated and punished for their wrong doing by this agency. If they don't take care of this problem and do whats right then I will have to take further action. I hope they do the right thing and get this fraudulent card removed from my name.
Product: Checking or savings account

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX XXXX  ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them. 

This includes ; XXXX XXXX XXXX XXXX Credit Card : {$4500.00}. 
XXXX XXXX XXXX XXXX : Checking/Savings/Lineofcredit. 
XXXX XXXX XXXX  Credit Card {$27000.00}.
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns regarding Zelles handling of disputes, which has caused me significant financial harm. Despite using Zelle numerous times with confidence, I became a victim of fraudulent activity and promptly reported the issue to both Zelle and my financial institution. However, my claims were dismissed without a proper investigation. I was told that recovering my lost funds was not possible and that tracking these transactions was unfeasible, leaving me with no recourse.

The recent CFPB lawsuit highlights systemic issues with Zelles operations, including its failure to protect users like me and its apparent allowance of repeat offenders to exploit the platform. This lack of accountability has left me feeling unsupported and vulnerable as a consumer.

I am deeply frustrated by how this matter has been handled and urge you to take my claim seriously. I expect a thorough investigation and a resolution that acknowledges the financial and emotional distress I have experienced.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$6700.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2017 I started using equifax credit monitoring service to monitor my credit and something happen because my information was stolen. I have several people in Texas open account under my name and are using my information to find employment. I never experience this until I use equifax monitoring service.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, a zelle transaction was made out of my checking account through XXXXXXXX XXXX, that I did not make or authorize of {$900.00}. The claim was denied through my bank and they did not provide any additional information to me as to why it was denied, as well they did not inform me that my claim had been denied. Allegedly the claim was denied on the XXXX XXXX XXXX, and the only reason I found out is because I called the fraud department.
Product: Credit card

I placed an order with lane bryant on XX/XX/XXXX and they double charged. I spoke with XXXX at comenity bank her extension is XXXX she stated it would be removed on the XXXX and it's not. I have been lied to by comenity bank as they doubled dipped and refuse to take care of it i placed a complaint with the XXXX  and found out they had an alert XXXX  all the complaints they recieved.
Product: Credit reporting or other personal consumer reports

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( XXXX ) they are suppose to modify accounts that isn't reporting correctly. 
15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( XXXX ) 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 tan XXXX years 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 modity accounts tat isnt reporting correcuy.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my ZA instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information XXXX other adverse item of information. other than records of convictions of crimes which antedates the report by more than XXXX vears. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo HELOC, my 2nd mortgage, is denying me a repayment plan or an arrears restart because I can afford the monthly payment. I had a hardship that is been resolved and now I am able to make my monthly payments and a workout is not being considered for me to get a fresh start to make my mortgage payments. My 1st Mortgage servicer has extended me a XXXX Trial period plan so I can get back on making my mortgage payments and Wells Fargo HELOC is not working with me on a mortgage workout because they say I can afford my payments, and this just does n't make sense to me. That is exactly why I need assistance because I can make my payment and they will not give me a chance to start again. I have been working on this on my own since XXXX 2016 and I reached out to a XXXX approved counseling agency soon after and am getting debt/financial management assistance and they are also helping me with dealing with these mortgage servicers. When calling Wells Fargo we get the run around, are always disconnected and not given clear instruction on how to re-submit my hardship package for another review since my 1st mortgage has extended me a trial period plan to begin XXXX/XXXX/16 and I am now over my hardship so can afford to make my mortgage payments again.
Product: Credit reporting or other personal consumer reports

I asked them to provide proof I gave them provision to pull my credit. 

- XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have a student loan now with Navient. they state that they only maintain the history of the loan payments for the last 50 months. They have reported the loan as negative on my credit report based upon information from XXXX. They contend nd that I did not make certain payments prior to XXXX XXXX, but do not have the information prior to that time. I have requested a complete history of the payments they are showing prior to the last 50 months and are unable or unwilling to provide me with the information requested. They sent me on a run around to XXXX XXXX XXXX XXXX who advised that they do not have the information and do not know where I can obtain it. I spoke with XXXX at Navient her ID number is allegedly XXXX XXXX and she was not helpful and rather dismissive
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed complaint XXXX with the CFPB regarding XXXX XXXX XXXX XXXX 's dishonest practices and onXX/XX/XXXX, XXXX replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXX letter XXXX promised to correct the reporting to the credit agencies, but in fact XXXX just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see XXXX 's letter dated XX/XX/XXXX acknowledging this.
In the years we have dealt with XXXX they have NEVER done what they said they would do and XXXX  would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is XXXX 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. XXXX should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.
Product: Credit reporting, credit repair services, 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. 

Account Name : US Bkpt. Ct. XXXX XXXX Account # XXXX Account XXXX  : XXXX XXXX XXXX Account # XXXX, Account XXXX  : XXXX  XXXX Account # XXXX, Account XXXX  : XXXX Account # XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, Account XXXX  : XXXX XXXX  Account # XXXX, Account Name : XXXX XXXX XXXX  Account # XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

To be clear ... the is a NEW complaint against Wells Fargo. Wells Fargo has not applied my last XXXX mortgage payments in the amount of {$640.00} each ( XX/XX/XXXX and XXXX, 2015 ), made timely, to my account. I have been getting collection calls at home and at work in addition to letters demanding that I make the payments even though I have sent the payments in. This is making me so nervous and scared that after over XXXX years of on-time payments, Wells Fargo may report me delinquent and ruin my credit due to their incompetence and errors. The reason they give for not applying the payments is because an erroneous escrow account is still open on my account and until the escrow account is satisfied, they will not apply my mortgage payments. This was the original complaint against them that has not been resolved as yet ( please refer to complaint # XXXX ). I do n't know what to do. I was instructed by Wells Fargo NOT to pay my XX/XX/XXXX taxes since e they erroneously paid them and are still working on the file as to why they paid the taxes again and why the escrow account was not removed after it balanced out to XXXX liability on my part. I apologize if this is n't making complete sense but I am so frustrated and scared about this and feel powerless to control what is happening. 

Your assistance is so greatly appreciated.
Product: Credit card or prepaid card

My card has been declining since Friday XX/XX/2020. Ive sat on hold for more than 4 hours on the only phone number available for seeking help. Ive even heard people talking in the background halfway through being on hold for them to click me back to hold when they realized and heard me yelling hello. My card is declining for everything even though there is several hundred dollars on it. There is no one from us bank willing to fix the problem. Were in the middle of a pandemic and I can not reach my child support funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$590.00}
Product: Mortgage

I am in a loan modification with Bayview Loan Servicing and they had a notice of default filed against my owner occupied home without any warning. I am still furnishing info to them see attached documents. I contacted the foreclosure company with no response also Bayview has not responded.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I tried to send money to my brother who lives in XXXX XXXX, through Remitly. I wanted to send him more than {$100.00} but before using the Remitly application for the first time I tried with {$10.00} the minimum, the number of the transfer is XXXX XXXX XXXX XXXX so since yesterday I've been waiting and I've been sending all day a message trying to get my money back, and I know it's only {$10.00} but I think it's a mode of operation, to steal and not return small amounts. 

I made my complaint and they told me that they are going to contact me, and I asked the person who attends me through the chat a case number, and she let me know that she can not give me, because you can not disclose that information, which is why I present my complaint to you, you have to sit a presedent against these companies that act badly.
Product: Credit reporting

I can not dispute. I have tried to do this several times online and it keeps failing. Trans Union is the XXXX and only XXXX that does not work online. I keep getting an error message. I called TU and they were no assistance, wanted me to send something in writing. I am not. I went to TU site through the Free Annual Credit report site setup by the government to help with exactly these bad practices. I would like free access online to my report and to the Dispute Process. Or someone from TU to call me and walk me through it on the phone step by step. If they can control my life with bad information then I should be able to demand assistance without hassle.