23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Someone stole my bank card and totally wiped out my account of {$11000.00} and the bank ( wells fargo ) denied my claim saying that the chip was used and I guess they figured that it was me. This was done at ATM and I told them that I never ever use an ATM. They was suppose to call me within 1 to 2 business day about my claim, didn't happen then said that sometimes they send a letter, didn't get. Then talked to them again and was told to leave a call back # and the next available person would call, didn't happen. Was transferred to 8 different people all saying they couldn't help. Told them that I was not receiving bank statements and the only thing that each one was concerned with was my address. Talked to them again today and got transferred to different people again and told someone would call me back again.
Product: Vehicle loan or lease

I leased a XXXX XXXXXXXX XXXX XXXX from XXXX XXXX XXXX XXXX ( XXXX, GA ) on XX/XX/year>, financed through GM Financial. At signing, I was told the {$7500.00} EV tax credit would be applied to my payments, and that the lease interest rate was set by GM Financial at XXXX money factor ( 3 % APR ) and was non-negotiable. 

The next day, I asked the dealer for clarification because I couldnt find where the tax credit was applied. At first, they said it was used for an enhanced residual. Later, they changed their explanation, saying it was applied as both an enhanced residual and a 1.8 % APR, which was completely different from what I was told at signing. 

I then filed a formal complaint with GM Financial, who confirmed in writing that the {$7500.00} tax credit should apply to the principal to reduce the overall lease cost. However, the dealership continues to claim it was applied as an enhanced residual, directly contradicting GM Financials response, GM financial has not corrected my lease to reflect their explanation of where my tax credit should apply.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account # Account info Account name XXXX  Account number XXXX Account type Unsecured 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX, XXXX, XXXX and XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible. XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX : {$1600.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting actXXXX XXXX Account 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In review on XX/XX/2023 of my XXXX account number XXXX a late payment was reported for XX/XX/2023. This is incorrect. My account was not late. I spoke to a XXXX XXXX representative on XX/XX/2023 regarding my account was told payment I needed to pay {$60.00} by XX/XX/2023. I paid {$93.00} on XX/XX/2023. However, on XX/XX/2023 a late payment was reported on my credit reports, XXXX, XXXX and Equifax. This account is not 30 days past due. Reviewing of the payment history is impossible to indicate my account is 30 days late. I called XXXX at XXXX regarding this issue and emailed them and was told their records state I am current and in good standing. I needed to call the credit reporting bureaus. I called the credit reporting bureaus, XXXX, XXXX and Equifax and I was told to contact the merchant directly, in which I had already done.
Product: Checking or savings account

Had a personal checking account, I had few withdrawals back in 2012. My withdrawals were marked fraud in the system and since then I was not allowed to open XXXX XXXX product as black listed and was charged fees for my withdrawals.
Product: Credit card or prepaid card

On XX/XX/XXXX, I tried to access my XXXX XXXX XXXX XXXX card account to pay my bill. I was unable to do so, as the system would not accept my password and required the password to be reset using a verification code sent to me via phone. However, neither of the phone numbers listed was correct. I called the phone number provided on the computer screen and was connected to the XXXX XXXX Fraud Department. I gave them my new phone number but was told that they could not use that phone number to send me my code. Since I was unable to get into my account online to pay my bill, I went to the XXXX XXXX location in XXXX, Ohio, on XX/XX/XXXX and paid my bill there. I received a paper receipt verifying my payment of the total balance of {$110.00}. I called XXXX XXXX on XX/XX/XXXX to verify that they received the payment, and was told that they had no record of the payment, and that it may have gone through at the store but that they did not receive it, and that my account was still showing a balance of {$110.00}. I have attached a copy of the payment receipt I received.
Product: Checking or savings account

I opened a savings account with Ally Bank, not much longer after transferring money into the account they locked my online banking. I have contacted the company to unlock the account and they have notified me that they have closed the account and will not issue the return of my money. I had over {$12000.00} that I put in the account over a span of 5 months. I have contacted the company several times and they state that I have to contact whoever issued me my funds. They stated I would need to goto my work and ask them.
Product: Checking or savings account

Total disputed amount on XX/XX/18 XXXX XXXX XXXX. ( BBVA compass ) Got a response today stating that " no error occurred '' however the transactions were fraudulent and I filed a police report already with XXXX police Dept and provided XXXX XXXX, with that documentation. And they still declined my claim, and refuse to reopen my dispute. 
I will contact the fdic too if I have to.
Product: Debt collection

I never owed anything to these people. Show my signature in blue ink because these accounts are showing closed and open on my credit report. Itemized screen shots isnt my signature nor my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Transunion XXXX Re : Social Security Number : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquires that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX 2. XXXX Fd 3. XXXX XXXX 4.

5. 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORT AND NOTICED INQUIRIES THAT DONT BELONG TO ME. I MAILED DOCUMENTS TO THE BURAEU 'S SEVERAL TIMES. THEY KEEP SAY IS FACTUAL. I TOLD THEM IT'S FRAUD AND THEY WANT REMOVE THEM.
Product: Debt collection

In XXXX 2011, I started a small XXXX Company and wanted a slide/portable credit card machine. So I contacted XXXX XXXX XXXX. The Bank immediately helped me over the phone and sent me the credit card machine. However, they asked my bank account number to make the deposits after 5 % deduction of their service charge, and the credit card machine was free. 
I said, ok and in good faith gave my bank account number. 
Since I was just starting the business, I had no clients and hardly used the credit card machine. Soon, I noticed that the XXXX XXXX started to siphon out money from my bank account ranging in the amount from {$25.00} to {$50.00} a month. When I inquired, and stated that we had agreed before I started the service that they would charge me only when I use the machine 5 % of the amount of transaction. They tried to justify that they told me before hand, which was never mentioned at the beginning of the when the service started. I felt misled, so I called them up and told them that I felt deceived, therefore, they abide by the initial promise they charge me only when I use the machine. I requested them not to take out any money from my bank account, because I never authorized them to do so. The only reason, I gave the Bank account # was for them to deposit the transaction amount after deducting their 5 % charge. No term was disclosed to me at the beginning either. But they continued to take my money on incremental basis. Therefore, I called them up to cancel my services with them and they told me to return the credit card machine, which I did. Even though I asked for the acknowledgement of the receipt over the phone after tracking the machine which reached to them, they did not respond for two and half years, nor did they try to contact me. Surprisingly, the collection Agency started to call me too often and tell my social security number. I am very much worried that they are trying to extract more money from me and destroy my credit. 
As a hard working citizen, I have responsibility to support my family and then thinking of a dream home. But things like this has threatened my integrity and and the credit score. 
Therefore I request you to contact the bank and consider this case null and void and close it forever without affecting my credit. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a claim to the XXXX credit bureaus to validate or delete these following accounts but they responded back with them being verified and accurate when they in fact, are not. My credit report is inconsistent and inaccurate and the following account must be deleted. 

XXXX XXXX Amount Owed : {$86000.00} In accordance with the Fair Credit Reporting Act Convergent Account # XXXX has violated my rights. 

15 U.S Code 1681 Section 602 A. States I have the right to privacy.

15 U.S Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

i first emailed The be company XXXX XXXX on XX/XX/XXXX of this year about having received noticevof The closing of my account and asked in that email when i would receive my funds due to me from The acct which are almost at {$2700.00}. i ha e emailed them three morectikes since that that initial inquiry on The 9th to no gain no responses at all from them. Which their customer service service line doesvnot functiin property at all either??!!
Product: Debt collection

FCC identity theft claim number XXXX XXXX XXXX Ga police Report for Forgery # XXXX. This debt collector refuses to respond to CFPB complaints and answer any questions. They refuse to respond to my email when that is their prefered communications. They put me in collections, sent me forged documents and expect me to pay when they can't match up the account and get me original documents. They refuse to remove themselves from my credit reports. I have just filed my identity theft with FCC and expect the debt collector to be responsible and answer according to the Fair Credit Act.
Product: Mortgage

The mortgage company refuses to mail me my statements in a timely fashion. I did not receive my statement until 5 days before my payment is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX XXXX several other credit companies and there is some incorrect information on my credit report. My first issue is there are several inquires on my credit that i did not authorize, and did not give any consent to having those companies pulling my credit causing hard inquiries. I have asked the credit companies and sent several disputes to remove these inquires due the credit error that they had in 2016 and they are still on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries appearing on my credit report. 

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

These accounts are involved in litigation I have not been supplied proof under the doctrine of estoppel by silenced, XXXX XXXX XXXX ( XXXX ) XXXX, I presume that no proof of the alleged debt, nor therefor any such debt, in fact exist. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX
Product: Debt collection

On XX/XX/2013 I was highly and predatoraly pressured into buying an overpriced used car. After entering into an installment loan in the amount of {$19000.00}, I shortly thereafter found out that the car was on recall and by paying to repair the car I fell behind on payments and could not remain current on the payments ' late fees and interests ultimately resulting in repossession. After the repossion an agreement was made with the original creditor that no further payments would be made and no further billing from the original creditor was done. However, after the sale of the faulty car I was billed for the balance of the sale in the amount of {$10000.00} by a collection agency and they have continued to report to the credit bureaus monthly and in turn this information is being reported to credit reporting companies greatly impacting my credit score and ability to obtain credit. I disputed this adverse account via FCRA but it remains on all 3 major bureau reports.
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. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$130.00}.
Product: Checking or savings account

I made an ATM withdrawal of {$320.00} from my XXXX XXXX account at a XXXX XXXX ATM in XXXX, XXXX. I did not receive any emails regarding the transaction status. However, after checking my account through the mobile app, I noticed XXXX transactions of {$320.00}. I promptly disputed this with XXXX XXXX, and they provided a temporary credit of {$320.00}. 

On XX/XX/XXXX, I received a letter stating that their investigation found no errors, and they would be debiting the temporary credit from my account. I requested video footage of the transaction for clarification, but they informed me that I would need to submit a subpoena for this information. This requirement is confusing to me, as the transaction occurred at their location, and I believe they should prioritize making the resolution process straightforward and customer-friendly.
Product: Credit card

On XX/XX/2016 I received a letter from USAA dated XX/XX/XXXX converting the temporary dispute credit on XX/XX/2016 to a permanent credit in the amount of {$430.00} to my USAA Mastercard for the charge on XX/XX/2016 by XXXX for a preorder item that was never received and the order cancelled. This sounds like good news but on XX/XX/2016, 1 day prior to the temporary dispute credit of XX/XX/XXXX, USAA converted my Mastercard to a USAA XXXX card. The balance transfer of {$960.00} to the new card included the XXXX charge of {$430.00} in effect billing me twice, once on the Mastercard and once on the Visa. I have made multiple calls and submitted numerous documents to USAA, spoken to a supervisor with no authority to resolve the matter, and on XX/XX/XXXX spent over an hour going through the paperwork and the math with the Executive resolution team confirming XXXX showed the order cancelled, I never received any merchandise or in store credit from XXXX, the disputed charge was carried to the XXXX card 1 day before the dispute credit was placed on my Mastercard account, my XXXX statement shows the disputed amount to be {$860.00} which is {$430.00} twice, and a XXXX charge placed on XX/XX/XXXX by XXXX to my Mastercard should have been a credit per the letter from USAA dated XX/XX/XXXX. All of my efforts resulted in the XX/XX/XXXX letter which ruled in my favor and finally cleared up the charges on the Mastercard and USAA closed that account, however nothing was done to correct the XXXX. On XX/XX/XXXX, I resubmitted documentation to show the disputed charge that was carried over to the XXXX on XX/XX/XXXX had not been resolved. The permanent credit applied to the Mastercard only resolved the second charge by XXXX on XX/XX/XXXX which was either the botched credit or complete fraud. If it had been done correctly the Mastercard would again show a credit in the amount of {$430.00} which could be carried over to the XXXX. Since then I have contacted USAA on XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX, I was finally able to reach the executive resolution team. Everyone I have spoken with has agreed that the disputed charge was carried forward to the XXXX and has not been credited. I was told since this is an internal matter it would take 2 business days to credit the XXXX. If there were any questions or additional information needed I would be contacted and I provided XXXX numbers. To date I have not received a call or a credit to my XXXX. I have been unable to reach anyone with the authority to remedy this error. I have done everything I can to try to work with USAA but after 4 months of phone calls and letters to USAA I am right back where I started with a {$430.00} charge I do not owe hiding in a balance transfer on the new XXXX card. You would think it could n't get any worse but as of this morning I am now showing interest charges on the XXXX disputed amount. I am requesting USAA do the right thing and complete the resolution of this issue with a credit to my XXXX in the amount of {$430.00} and all associated interest charges.
Product: Credit reporting or other personal consumer reports

I reached out to TransUnion regarding three inquiries in my report. 

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX I did not grant permission for these inquiries, or for them to be on my credit profile.
Product: Credit reporting or other personal consumer reports

Disputed debt as collection agency XXXX XXXX XXXX XXXX XXXX ) is unable to find my account when given my name, date of birth, Original creditor, and ssn. The listed debt from XXXXXXXX XXXX XXXX XXXX is {$150.00} and the original creditor is XXXX XXXX
Product: Checking or savings account

Capital One says they had a tech outage due to third party they use but no other information. This is now day number XXXX without my money they control. Theyve also held deposits for XXXX week due topotential risk without my consent. I believe I might fall into the lawsuit they have with not paying out correct interest payments.
Product: Payday loan, title loan, or personal loan

In XXXX I spoke twice about paying extra on the principal and interest rates on a XXXX loan. I have paid over XXXX towards the principal and XXXX towards the interest and the loan still sits at XXXX. The company keeps saying they will look into but nothing is happening.
Product: Credit card

I was the victim of a scammer and possible identity theft. This person gained my trust and proceeded to have me purchase, saying they would pay me back, gift cards. Once I realized what was happening to me, this person threatened my livelihood, said they were watching my home, threatening my family, and also said I would never get my money back unless I paid {$500.00} for it back. I have not given this person anymore money, and because I didnt, they posted topless pictures of me on their XXXX XXXX XXXX  ( they are blocked now, but I could still see what was posted. )