23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting

Multiple inquiries on my credit history have dropped my score severely, and at no time has anyone from the company with which the score was checked informed me about the massive effect hard inquiries have on credit scores. Because I have checked with multiple people about home loans, I 'm no longer able to qualify for a home loan because of the severe impact to my credit score, and I 'm now stuck in a poor living situation for what I 'm told will be at least 2 years.
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 {$300.00}.

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 A

ct, 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 rev
iew 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. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$81.00} ; XXXX XXXX Balance : {$480.00} ; XXXX  XXXX : {$16000.00} ; XXXX XXXX Balance : {$5600.00} XXXX XXXX  XXXX Balance : {$110000.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35000.00}.
Product: Debt collection

Optimum Outcomes reported XXXX medical bills on my credit report. I did not received notice of right to dispute before they showed up on my credit report.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Checking or savings account

Tried to close my Citibank savings account and get my {$32000.00} They said my account was not active even though just opened in XXXX, but I could go to a branch and get it. One problem. No branches in the state of Arizona anymore. There is no way to get it done by phone or online. They asked for a letter to re-activate my account and get a check. I sent it on XX/XX/XXXX and it is still not processed. I spent over 5 hours so far on the phone with customer service. Guess what? Their customer service is in XXXX and none in the XXXX! My only choice is to fly from XXXX to XXXX XXXX or XXXX XXXX and withdraw my money from a branch there.
Product: Credit reporting or other personal consumer reports

My student loans have been paid in full but the bureaus refuse to update this information after multiple requests and countless evidence.
Product: Payday loan, title loan, personal loan, or advance loan

I was past due on my loan due on XX/XX/year>, I paid two separate payments on the online system on XX/XX/year>. One for {$290.00} and the other one for {$700.00}. I paid the late payment, and the corresponding fees associated with the payment. Once I checked my balance most of my money was applied towards the interest of my loan and also for the payment due for XXXX. So, I don't have a payment due until XX/XX/XXXX. On the online system it does not disclose or specify any additional payment made thru the online portal will be credited towards principal. Once I realized the issue I went to the store location on XX/XX/year> to resolve this issue and they advised they could not help to contact the corporate office. I contact the corporate office on XX/XX/year>, and they advised me to contact the store location. I have gone in circles with this matter. I went to the store location on XX/XX/year>, and the district manager was there. She advised the problem could not be resolved, she had contacted her IT department and nothing could be done in regards to this matter. I specifically asked where in the contract could she point out that any additional payment would be credit towards interest and the principal. She could not help me either. I told her I wanted to speak to IT department to understand how this happened. She advised I could not the last point of contact was her.
Product: Credit card

I received a receipt from XXXX on which more than XXXX digits of my credit card on it. I believe this violates MD CodeXXXX XXXX.
Product: Credit reporting

There is a judgment on my credit report that was dismissed. It should not be showing up. Attached is a copy of the documentation direct from the XXXX XXXX XXXX XXXX XXXX Courts XXXX. 
I have written a few times but the credit bureau will not remove it. Please help, I am unable to get a mortgage approved because they will not fix it.
Product: Checking or savings account

I have a savings account thru Credit Karma with them using MVB bank to service those accounts I've learn.. I had {$6000.00} in the account {$28.00} is interest i received. On XX/XX/2023 around XXXX pm I check my account as I always do time to time and to my surprise I saw someone had stolen all my money. the day before on XX/XX/2023 someone had made a full unauthorized withdrawal and closed the account. Now the way Credit Karma is set which i learned the hard way is they do everything possible to avoid customers from talking to corporated just basic chat helpers. so i open a chat and he or she found was a request for a paper check which I said I did not request a paper check and that makes no sense because my Chase account checking is link up and transactions are almost instant if I wanted money. So they request my mailing Address and said they need to send it to the higher ups. XXXX later I did find a number to call but its just to basic support so I call anyway just to confirm with a live person and I got the case number they said they ( Higher Ups ) will contact me thru email. Now its been XXXX business days past. All of a sudden I check Credit Karma to see my savings account history which even if the account is closed you still see the history of all transactions. Guess what, the saving account page is now blank and I mean blank no letters, icons just white. Its been like that for two days and i check the mobile and PC website to confirm that its not a glitch on my end as if XXXX. is trying to hide something. I was going to take a snapshot for my records but of course they beat me to it and covered their tracks. but my bank statement with XXXX shows my money going in credit Karma anyway. My end result is I want all my Money. They Claim all over the place their FDIC insured but I get not update thru my email, their is no number for corporate. I im hoping CFPB has any access their curtain of secrecy and see whats going on. I work hard as a small bus driver simple life. and $ XXXX in this economy is a whole lot of money. I need help let me know what I can do for you to do that please. 
I have include picture on my statement straight thru to see all deposits and im sincere XXXX and XXXX. these date show I deposited a total of {$7500.00} withdraw a total of {$1500.00} leaving {$6000.00} in Credit Karma. 
Also their Address according to the website is : Credit Karma XXXX XXXX XXXX XXXX XXXX, CA XXXX Tel # ( XXXX ) XXXX
Product: Debt collection

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 : Dispute of Verified Account Global Lending Services Account Number : XXXX Report Number : XXXX To Whom It May Concern, I am writing to formally dispute the Global Lending Services account listed on my credit report. This account continues to be reported as verified, yet no documentation or proof has been provided to substantiate the debts accuracy. I assert that this account is inaccurately reported, and it must be removed from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ), the credit reporting agencies and furnishers of information, such as Global Lending Services, are required to provide accurate information and ensure it is properly verified when a dispute is raised.
Product: Mortgage

I bought a house back in 2005 to be my home and fixed according to my family needs ; unfortunable, had to get a XXXX mortgage in order to be aproved by XXXX at tha particular time ; after years of stress and tears with the help of a lawyer and under the HAMP, was able to keep my home and reach an affordable mortgage according to my income ; now my lawyer and the program toll me that the XXXX mortgage will disapear after the modification and that I did not have to worry about anything but paying in time, which I 'm doing, this Comp Green Tree Servicing LLC, after five years is harrasing me and my family ; calling my cellphone and sending me letters in an anoying way for something that is out of my hands ; our lawyer statement is radical ; they new the risk in case off a financial crash and they lose, as simple as that, now they asking me for a credit card to withdraw the money monthly, that does n't to legal, does it?. Thank you for the attention
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally submitting this CFPB Complaint to the Credit Bureaus to update the following account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. The accounts XXXX XXXX XXXX XXXX Opened XXXX. XXXX, 2022 XXXX {$17000.00} appears to be reporting incorrect information : account number, payment status, and date open. I don't believe I was late on the dates you mention. Please update all late reporting on this account and report the payment status as positive.
Product: Credit card or prepaid card

An XXXX Vacuum And Mop Were Purchased Online ( Since The Item Was Not Available At The Store ). The Item To Date Has Not Been Received. According To The Carrier They Left The Package Outside And Stated That No Signature Was Obtained Because It Was Not Requested Or Required By The Shipper ( Best Buy ). When I Spoke To Best Buy They Could Not Explain To Me Why They Did Not Require A Signature On This High-value Item. Therefore, The Package Was Left Outside. As A Result, The Package Has Gone Missing. None Of My Neighbors Have Seen It. I Have Exhausted All Measures Of Trying To Get This Matter Resolved With Best Buy And The Carrier XXXX. I Have Called Them Several Times And After Being Told That They Would First Investigate With The Carrier, Then Going To Re-ship Once The Item Was Back In Stock And Require A Signature This Never Happened So When I Called Back After Several Days For Status, Then The Rep Stated They Were Going To Process A Refund Back To My Citi Card For Me To Re-order The Product Once It Became Available Because It Was Out Of Stock Again This Never Happened Either So I Had To Call Back, Then They Told Me I Had To Put In A Claim With XXXX  For The Missing Package Well I Tried That As Directed By Best Buy To Only Come To Find Out That I Couldnt. I Called XXXX Several Times To Get The Matter Resolved, XXXX Told Me That Best Buy Had A Restriction And Only Best Buy Could Put In The Claim For Me, Not The Receiver. Frustrated, I Then Called Best Buy Again And Just Kept Getting The Runa- round. I Asked To Speak To A Manager And Was Told That No Managers Were Available And I Would Receive A Callback. I Also Sent a Customer Service An Email As Well. Since Last Week ( Week Of XX/XX/ ), I Still Havent Gotten A Response Back To My Email Nor A Call Back From Their Escalations Department Or A Manager As Requested. Im Done Wasting Hours Of My Time And The Frustration This Has Caused Me With Trying To Get This Matter Resolved With The Merchant And Their Chosen Carrier. This Is Unacceptable! Especially Considering The Amount Of Business And Money I Spent Every Year At Best Buy. Ive Expressed This To Them In My Email As Well. I opened up a dispute with CITI and they stated there is nothing they can do further on their end because Best Buy provided proof to them that they gave the package to UP, even though no one signed for the package. SO FRUSTRATING! to have to pay for something that I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account reporting closed on my XXXX file. It seems to be a credit card from Nordstrom/TD Bank. I have never applied for this account. I have filed an Identity Theft Affidavit and disputed it 3 times with XXXX. The account still remains showing on my credit report. I am tired of disputing it. Please help me get this removed. It shows account closed. There seems to be no charges on it. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account from XXXX XXXX was opened fraudulently on XXXX XXXX  2019 and is now a charge off showing on my credit reports. I did not open this account. I have sent police reports to the company and the credit bureaus to remove this fraudulent account but its still showing on my credit reports.
Product: Debt collection

Account : CREDENCE RESOURCE MANAGEMENT Amount : {$620.00} Date : XX/XX/2019 Discrepancy : Paid prior to collection. Paid In full
Product: Checking or savings account

The machine took my money. I had called the emergency department within the Bank of America branch and that report that the only Bank of America contacted in XXXX, CA XXXX took my check and did not give me a receipt and they kept my card was in the machine for about 15 to 20 minutes. I did plead with a lady named XXXX or XXXX with a emergency department of the Bank of America to put at least two to {$300.00} within my account so I can afford my medications and I was declined that is why I am making this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 i notice fraudulent activity on my credit file for inquiries from multiple banks all in one day for no reason of me i called XXXX to inform of fraudulent activity i was told steps to take to remove information i did each step today i see inquiries still show on my report.
Product: Vehicle loan or lease

I received a letter from GM Financial in XXXX of XXXX stating they were moving to a new billing system in XXXX. In XXXX of XXXX I received another letter from GM Financial stating they were having issues with their billing system and I should pay the statements I receive and they will eventually start billing correctly. 

My normal lease payment is XXXX XXXX/mo. and in XXXX of XXXX GM Financial began billing me incorrectly, so I paid exactly what was on the statement and assumed they would send me a statement to catch up on payments. 

Inaccurate statements for XXXX were as follows : ( I have copies of all of these ) XX/XX/XXXX - Total amount due {$30.00}. I paid {$30.00} ( No late charges XXXX XX/XX/XXXX - Total amount due {$30.00}. I paid {$30.00} ( No late charges ) XX/XX/XXXX - Total amount due {$30.00}. I paid {$30.00} XXXX No late charges ) XXXX XXXX - Total amount due {$430.00}. I paid {$1500.00} XXXX No late charges ) **May XXXX - Total amount due {$540.00}. I paid {$540.00} ( No late charges ) *In XXXX of XXXX I was contacted by a collections agency stating they were going to repossess my XXXX if I didn't pay {$1500.00}. 
**In XXXX of XXXX the account started billing correctly. 

When I was told my account was in collections I paid the {$1500.00} they wanted and immediately contact GM Financial to be sure this would not affect my excellent credit score. Customer service was less than helpful at first. The first representative I talked to said I should have been making my regular monthly payments, my credit would be affected, and she asked if I " Only paid the amount due on all of my invoices '' - I answered " Yes '' and asked for a supervisor who again wasn't very helpful. After several calls back and forth I finally got someone who looked into everything and he told me this was happening to quite a few people and apologized on behalf of GM Financial. He told me they did report this to the credit agencies, but I would be able to dispute it w/o issue and he said it would be noted on my account. 

My credit score did take quite a hit from this and when I filed a dispute it was denied. I did everything GM Financial asked of me, I paid all of the statements that were sent to me ( on time ), my statements show all payments were on-time, and GM Financial did not contact me a single time to tell me they were sending my account to collections or my vehicle was being sent to repossession. 

My current credit score has one blemish - 30 days late - GM Financial - XXXX and GM Financial is completely to blame for this. I recently had to take a higher mortgage rate because my bank sees late payments as a risk. The mortgage APR I was hoping to get was 3.99 % and I had to take one at 4.125 % Again, I have never been late on ANY of my payment to ANY of my creditors.
Product: Credit card

Problem began in XXXX of 2023 when my Advantage Aviator XXXX XXXX XXXX XXXX was hacked, all contact information changed and several fraudulent charges made to it. It took some time to prove that I was the owner of that account, last XXXX XXXX. I made a payment of {$800.00} to close that account and heard nothing more from Barclays until I started receiving Emails and phone calls demanding payment for the account, last XXXX XXXX. I hav attempted to resolve the situation by mail with Barclays, stating that I knew nothing of that account, had no notification that it had been opened in my name, received no credit cards to that account and had made no charges to it. I had intended to have no further dealings with Barclays after the last card was hacked. To date, despite several letters to Barclays over the past months there has been no explanation from them as to the ongoing situation but continued requests by Email for payment. Also phone calls allegedly from Barclays which I do not answer as I am not certain they originate from Barclays. Hopefully, you will be able to obtain some resolution to the problem.