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

I started a dispute with XXXX  regarding a dispute with GM financial XX/XX/2021. I paid my lease on time and handed the car back. I showed proof to both Gm and XXXX  that my car was returned and the loan was satisfied. 7 months later I was billed the disposition fee which I included the dated bill and proof to both companies. The not only did they not correct it but destroyed my car buying credit. I have sent multiple request to correct this since XX/XX/2021. Please help They noted I was late from the time the car was returned, up until the disposition fee
Product: Consumer Loan

On XX/XX/XXXX our daughter turned in her leased XXXX to XXXX XXXX & leased another XXXX. She was over her mile yet the dealer never mentioned it to her. the next thing we know, we get a notice from XXXX that both my daughter & my wife ( who co-signed ) were put in for a charge off. We did n't even know we owed them money they never made any attempt prior to this to collect that debt. My wife took out a loan & paid the {$4500.00} to XXXX. We just found out thatthat charge off is still showing up on my wife 's credit report stating the {$4500.00} has not been paid. I sent a letter to the President of XXXX regarding this matter but never heard from him. A credit mgr told us this may be revenge as the charge off is off my daughters report but not ours. 

XXXX did this to me as well, a few years back the repossessed my XX/XX/XXXX XXXX XXXX. My business went down & I found myself in a very bad place & I understood this. I got a letter from them stating I owed them {$6000.00} for the amount owed after the auction. The same day I getthe letter I get a phone call from a collection agency stating I owe them the approx ab=mount of {$6000.00} but they will take approx {$4500.00} a payment. They advised me this account was in a charge off. A XXXX charge off by XXXX without making any effort to give me a chance to pay it off. I advised the collection agency I will pay the full amount once the charge off was removed. I was told they could n't do that, I advised them there was no upside to me paying the debt as 1 - I had no car ... 2 ) it was a bad report on my credit & 3 ) I would be out the {$6000.00}. I also advised them that the repo guys in pulling out of my driveway very fast because I was out walking my dog bottomed out & damaged the left front bumper which was n't repaired. This would have had an effect on the sale price. I did n't feel I should have to pay for that as well. I understood & was n't angry about the repo. However at XXXX on a snowing Saturday morning XXXX guys are running around my neighborhood Yelling repossession over & over again as I asked if I could just get my stuff out. I had to travel XXXX hrs round trip to get my stuff That is when I saw how bad the bumper was & that it was n't repaired. 

The bottom line is Honda Finance puts a charge off on your credit even though they did n't attempt to collect the debt XXXX. I complained to both XXXX & my Senators, crongress women & state representatives & have not even receive an acknowledgement form them.
Product: Credit card or prepaid card

XX/XX/2023 I joined creditassociates to help with my debt. XX/XX/2023 XXXX XXXX Venmo ) contacted me and I told them I couldn't pay that I was working g with a company to take care of debt. I asked if the call was recorded and they said yes. I asked them to only contact me by mail and not to call. Today I got another call from them. I told them I was working with someone to get things taken care of and not to call that they needed to contact me by mail. She then stated no one has contacted them since the last time they called me. I said I never talked to you. She said we talked to you on the XXXX of this month. I then stated then you should have not called me because I have already told you not to. I later got a notice through email that they changed my phone number on my venmo account...
Product: Debt collection

This creditor is making it hard for me to move on to a better XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/XXXX XXXXXXXX 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 XX/XX/XXXX The following inquiries were not and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with the credit bureaus for several years now about a XXXX XXXX account that was not mine nor did I authorize. It was initially removed from my credit file and then several months later put back on my credit file without proper notification from the credit bureaus with several late payments reported. During the time of my disputing the fraudulent account, I did receive a letter from XXXX XXXX in response to one of my correspondences showing a payment history. I continued to try to get the issue resolved with XXXX XXXX but with no success. I was then faced with a decision to either pay the unauthorized account to stop the late payments or, let the late payments continue to be reported and ultimately have the credit account report as a charge-off doing further damage to my credit. In an effort to salvage my credit, I chose to pay the credit card off to stop the negative reporting. I explained this to XXXX XXXX and I also sent in a fraud affidavit which was also sent to the credit bureaus but to no avail. However, I noticed that there were discrepancies between what the payment history showed in the letter sent by XXXX XXXX and what the bureaus were reporting. XXXX and XXXX have since corrected their error and deleted the fraudulent account but Experian is still reporting it as accurate and verified. Not only are they reporting an account I stated was fraudulent, but they also continue to report a payment history that is different from what the creditor sent me. Lastly, when I decided to pay off the account, I wrote a check out to XXXX XXXX with the stipulation of Paid as Agreed/Never Late. Their acceptance and cashing of the check make it a bound contract. I sent a letter to Experian explaining this along with the canceled check and they still are reporting the erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX account number XXXX Date opened is inaccurate : XX/XX/2018 and also Amount Past Due reflecting {$1600.00} there shouldn't be a past due amount on this account due to it being a collection account. This is a violation of the FDCPA delete immediately I disputed with XXXX, Trans Union, XXXX and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is continuing further collection activity which is a violation of the FDCPA and needs to be removed.
Product: Credit card or prepaid card

On XX/XX/2022 I filed a CFPB complaint that Discover was NOT reporting to the credit bureaus that I have a Discover Account # XXXX XXXX XXXX XXXX as an authorized user. 

I also filed this complaint with XXXX, XXXX and XXXX to confirm with Discover that I am the owner of that account. 
After no proper response I filed the claim again on XX/XX/2022 with Discover, and all 3 credit Bureaus. 
On XX/XX/XXXX, Discover sent me a letter agreeing with all my claims and promised they would provide the proper information to XXXX, XXXX, XXXX and XXXX. ( see Discover letter attached ). This account is reported on the XXXX of every month and although Discover reported for 4 other authorized users for same account ( see attached XXXX  update showing the Discover account was updated on XX/XX/2022 for another authorized user ) Incredibly Discover has either failed to follow through or the credit bureaus are deliberately withholding the information. Therefore, as my right I am requesting Discover provide me the date they reported the correction to the credit Bureaus including a copy of the AUD form they claim to have submitted to XXXX, XXXX, XXXX and XXXX.
Product: Checking or savings account

Requested four CDs from XXXX totaling {$41000.00} be cashed. Wells Fargo is refusing me my money. I have contacted them three times at local branches. I have appealed their decision twice. I have contacted the Arizona Department of Revenue Unclaimed Property. They have stated that they have never received this money. I have full documentation. I quote the letter from Wells Fargo : " Per our deposit Agreement, CDs become dormant 34 months after first renewal. Since the certificates you presented renewed in XXXX and XXXX, the time to become dormant has passed. If you do not contact us about your dormant account or initiate an account-related activity within the time period specified by applicable state unclaimed property laws ( generally, three or five years ), Wells Fargo will close your account and deliver your account funds to that state ''. 
As I said, The State of Arizona does not have these funds. I have consulted an attorney who told me these CDs are totally valid. Please help me recover my inheritance from my mother. The Wells Fargo case number is : XXXX I can mail you documents but don't know how to put them into a file to send.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX with the following account information is reporting to the Credit Reporting Agencies as a Charge off since XXXX of XXXX on XXXX with a status of Account charged off. {$32000.00} written off. {$26000.00} past due as of XX/XX/XXXX. However, I have not received a 1099-C which Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service ( IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven. 

XXXX is also reporting inaccurate and inconsistent information across the different Credit Bureaus which is a violation of the FCRA. 

The amount of late payments are different with each bureau. The status of the account is also different across each Bureau. 

For Example, on XXXX, XXXX XXXX XXXX shows an original balance of {$36.00}, XXXX with a last payment date of XX/XX/XXXX but does not disclose the amount and a past due balance of {$26000.00}. On XXXX, XXXX reports no information from XXXX XXXX XXXX but reports XXXX of XXXX as 30 days past due, XXXX of XXXX as 60 days past due, and XXXX of XXXX as 90 days past due. 
In XXXX, XXXX reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 60 days past due, XXXX as 90 days past due with XXXX of XXXX being paid on time. In XXXX, XXXX reports XXXX as 30 days past due, XXXX as 60 days past due, XXXX as 90 days past due and as a XXXX off beginning in XXXX of XXXX. 

On XXXX, XXXX Shows the date of the last payment in XXXX of XXXX in the amount of {$560.00}. XXXX reports no information from XXXX XXXX XXXX but reports XX/XX/XXXX as 60 days past due, XXXX of XXXX as 60 days past due, XXXX of XXXX as 60 days past due, and XXXX of XXXX as 90 days past due. In XXXX, XXXX reports XXXX as 60 days past due, XXXX as 90 days past due, XXXX as 120 days past due, XXXX as 90 days past due, XXXX as 120 days past due with XXXX of XXXX being paid on time. In XXXX, XXXX reports XXXX as 06 days past due, XXXX as 90 days past due, XXXX as 120 days past due and as a XXXX off beginning in XXXX of XXXX. 

On Transunion, XXXX reports remarks that read Charged off as bad debt|Profit and loss write-off. Transunion is currently reporting no payment history with a balance due of {$26000.00}.
Product: Credit reporting or other personal consumer reports

The following companies did not had permission or authorization to request a copy of my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the deletion of these inquiries from my report, it is unauthorized, unproven, none complaint and unverified inquires as required by law if unproved with an actual purpose that was not concluded by me. I will like a new copy of my credit report reflecting the deletion. Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Hope you're doing well. I have this XXXX  XXXX  card that I've never used and opened on XX/XX/XXXX. 

On the credit report it says I've been late XXXX and XXXX of XXXX. 

That however, could not be true, as I've never once used the card since I've had it. 

So the reporting is inaccurate.
Product: Debt collection

Synchrony Bank, hereinafter  ( " Synchrony '' or " Furhisher '' ) co ntinues to report a " phantom debt '' on my credit reports.  Synchrony admitted  both A ) It has no consumer-signed application for credit on file, an d B ) It has no consumer-signed contract for debt on file. Being that Synchrony failed to respond to Consumer 's Fair Credit Reporting Act ( " FCRA '' ) 623 request with the documentation ( it admits it does not have ). Synchrony can not claim to have sold, transferred, or assigned such phantom debt, because it does not legally exist. The party Synchony claims to have sold said alleged debt to ended up deleting its trade line due to the lack of the same documents requested in the above-identified request. *DIRECT THIS COMPLAINT TO SYNCHRONY BANK ONLY*
Product: Mortgage

Rushmore has assumed the loan. We were not aware of who had our loan. Our loan has been passed around. Our loan has gone from XXXX to XXXX and now Rushmore. We have received no statements from Rushmore or information. I had to contact them on XX/XX/2019 for info and sent in a "

Will '' and " Death Certificate. This is whole situation is absurd.
Product: Credit reporting or other personal consumer reports

A relaitve of mine recently went to apply for a car. This individual listed me as the co borrower without my consent. I filed a police report on this matter but have yet to see these excessive inquiries removed from my credit report. i have listed these inquires below 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX XXXX XX/XX/XXXX ( Experian ) XXXX XXXX XXXX XX/XX/XXXX ( TransUnion )
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within XXXX XXXX XXXX XXXX days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with a recent CFPB findings against NFCU for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account NATIONAL CREDIT SYST which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NATIONAL CREDIT SYST was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting

On my Experian credit report, there is an account listed past due for a one month term of {$2400.00}. Neither the Experian nor the collection agency have sufficiently provided proper validation of this account. I am requesting that the following accounts be removed from my credit reports, as they have been previously removed and re-inserted more than once with incorrect info, without proper validation, a new date to reage the account and falsified information. Experian has allowed this and refused to remove. I will be filing complaints with the XXXX as well : Account Name XXXX Account # XXXX Account Type Other Collection Agencies Balance {$2400.00} Past Due {$2400.00} Date Opened XX/XX/XXXX Account Status : blank Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month -- XXXX Account Name XXXX Account # XXXX Account Type Collections - non specific Balance {$2400.00} Past Due {$2400.00} Date Opened XX/XX/XXXX Account Status : blank Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month XXXX Account Name XXXX XXXX Account # XXXX Account Type Collections - non specific Balance {$930.00} Past Due {$930.00} Date Opened XX/XX/XXXX Account Status : blank Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month -- XXXX - Account Name XXXX Account # XXXX Account Type Other Collection Agencies Balance {$610.00} Past Due {$610.00} Date Opened XXXX/XXXX/XXXX Account Status Mo. Payment {$0.00} Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department High Balance {$0.00} Limit {$0.00} Terms 1 Month XXXX - Account Name XXXX Account # XXXX Account Type Variety Stores Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Closed Mo. Payment {$0.00} Payment Status Charge-off High Balance {$0.00} Limit {$0.00} Terms Revolving
Product: Credit card

I was offered a {$20.00} promotion for adding an authorized user. I met the promotional terms and the {$20.00} is past due.
Product: Debt collection

Advised experian and the credit collection agency the debt was not mine. They threaten to keep it on file for XXXX years.
Product: Credit reporting or other personal consumer reports

Please take a close look at this complaint, as it is a serious matter. My credit report contains mixed and inaccurate information, including an account, transactions, and items that do not belong to me. This ongoing issue is extremely concerning and has caused me significant XXXX and XXXX
Product: Credit card

The dates are alot of actual dates I cant provide every transaction date because I just got out of XXXX but I have supporting documentation of each date it was fraudulent transaction made on my account
Product: Money transfer, virtual currency, or money service

On XX/XX/19, we visited the XXXX Branch of Chase Bank where my Grandmother is a customer. She needed to withdraw some money from her account and also add me to her account so I can help manage her finances. We had a printed Power of Attorney that we also needed notarized. The Branch Manager at the location named XXXX XXXX NMLS ID:XXXX was very rude and refused to notarize our document or help add a signer to my Grandmother 's account. He caused a scene in the lobby of the bank. This kind of treatment from a Branch Manager or any employee in general is totally unacceptable. I will also be filing a complaint with his supervisor named XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX , GA XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor  : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$4100.00} ; XXXX/XXXX  XX/XX/XXXX.