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

On XX/XX/year> I purchased a loan with credit from XXXX XXXX XXXX GMC for roughly XXXX  XXXX plus interest charges that would finally total up to XXXX XXXXXXXX. My grandchild lost the original loan contract so I requested another and to my surprise upon reading it I felt I had been taken fast. I talked to a family member who began to teach me about loans, debt, the Federal Reserve Act sections 16 and 29, and the Bill of Exchange Act and l learned l could satisfy the debt by law using a negotiable instrument. I prepared the necessary documents and forwarded them to the dealership and GM Financial for processing but GM said " the documentation l submitted was not recognized by the IRS, the Federal Reserve nor the US government as legal tender '' so it wouldn't be an acceptable payment for my account. However, the Bill of Exchange Act says different. I then sent these documents XXXX more times and each time the form of payment was kept by the company but i was only sent a bill. no answer to any of my questions and stonewalled when trying to speak with anyone who might help in this matter. Because of their non-transparency in the contract and in trying to resolve this matter l feel l had to bring it to someone in authority who could help in this matter. l also asked for arbitration since it was a clause in the original contract. That is the quick version...
Product: Credit reporting or other personal consumer reports

Transunion is reporting a Fraudulent account on my credit file. They REFUSE to provide any information as to how and why they are determining this account belongs to me! I have sent supporting documents numerous times proving this account is FRAUD! The account ( XXXXXXXX XXXX XXXX XXXX XXXX  ). Needs to be removed and or blocked ASAP! If Transunion continues to refuse and ignore my request, Then I will be forced to take LEGAL Action against TRANSUNION in order to have this issue resolved. Transunion is violating the FCRA by ignoring the required documents I continue to send in. PROVIDE ME WITH PROOF OF HOW THIS ACCOUNT IS SUPPOSEDNTLY MINE! I have once again provided a police report Aswell as ID Theft Affidavits and Proof of my ID.
Product: Checking or savings account

On XX/XX/2022, Bank of America reported that I committed fraud a year prior. They stated I deposited a check that was reported by the issuer. I did not make this deposit nor did I sign this check the authorized user on my account did this without my knowledge or consent. As soon as I found out about the issue I paid Bank of America. They stated they closed my account, although I still receive statements on this account. I have have never committed any type of fraud and acting in good faith.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXXXXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX
Product: Bank account or service

I was a XXXX customer. I cancelled their service in XXXX. I have still to this day not received my final bill from them. 45 days after cancelling their service they automatically charged my debit card for XXXX without my permission. They say that it is in their terms and conditions that they are allowed to do so, but are unable to provide me a copy of the SIGNED terms and conditions. I called my bank, JP Morgan Chase, and they pretty much told me that since it was in XXXX 's terms, once again that they are unable to provide, that they were not able to further process my complaint and pretty much told me i was on my own. Mind you that I have never been signed up for any automatic bill pay or anything with XXXX. I would gladly pay my bill as I have excellent credit but on my own terms and with the payment method of my choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents DEPT OF EDUCATION/XXXX  Account Number XXXXU.S. DEPARTMENT OF EDUCATION Account Number XXXX U.S. DEPARTMENT OF EDUCATION Account Number XXXX Addresses XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Inaccurate ( XXXX ) XXXX Inaccurate Employers Select as many as apply XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX - CARD SERVICE Late payment DEPTEDNELNET - FCRA violation Never late {$8500.00} Balance updated XX/XX/2020 3 late payments Account Info Hover over labels for more details Account number XXXX US DEPT ED - FCRA Violation Unknown Payment History - 2 {$38000.00} Closed Unknown payment history Account Info Hover over labels for more details Account number XXXX Account status Closed VSAC FED LN- Closed account- FCRa Violation - Never late {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status ClosedVSAC FED LN - never late- FCRA Violation {$0.00} Closed 9 late payments Account Info Hover over labels for more details Account number XXXX Account status Closed
Product: Debt collection

Calls from convergent outsource saying give me credit card number. For XXXX For a XXXX debt. Or settle today for XXXX. I said I havent had XXXX for 12 years. They tried to confirm my email address and it was not or ever my email. 
They asked for my ss number but I didnt comply. I told them they were a scam several times and the guy XXXX started cursing and saying they are a legit collection and if I didnt pay they would put it on my credit rating. He ended the call. 
I called XXXX with my ss # and email address confirmed no acct has been active for 12 years and shows a XXXX balance. 
Pls help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, so I am imforming you the CFPB that XXXX, XXXX, and Experian have violated me and my life by reporting inaccurate information and I have found out that all 3 bureaus are FRAUD. THESE COMAPNYS ARE ONLY to report to consumers that live in the state of XXXX  ONLY.. This is Identity Theft, FRAUD and I DEMAND A COMPLETE INVESTIGATION OF ALL 3 CREDIT REPORTING AGENCY XXXX, XXXX, AND EXPERIAN. These agencies are in violation of the law because if they are smart they would have stolen my identity and I demand these so call reporting agencies to erase my report meaning everything off my report. I am a resident of XXXX  and I demand as a consumer here to delete everything off my report bc you have no right to steal my identity and report anything when in fact u are only to report XXXX  residents only. Yes I have caught on to these FRAUD companys and I demand you delete my entire report 15 USC 1681b. I did not give consent and these so call Credit Agencys are not licensed to report peoples reports outside of XXXX... I DEMAND A DELETION IMMEDIATLY.. OR I WILL TAKE FULL LEGAL ACTION WITH EXPERIAN, XXXX, AND XXXX. I WILL ALSO TAKE LEGAL ACTION WITH CFPB FOR ALLOWING THESE AGENCIES TO BE ABLE TOO DO THIS FRUAD AND STEALING PEOPLES INFORMATION LIKE THIS. THIS IS AGAINST THE FEDERAL LAW..
Product: Mortgage

We have a VA federally backed mortgage loan with M & T. 

According to the Coronavirus Aid, Relief and Economic Security Act we can request up to 360 days forebearance without any additional fees, interest or penalties. We asked for 6  to 12 months Forbearance. So we can keep our credit outstanding and survive while our business is shutdown. They responded they wont charge a late fee but we need to pay it every month.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EQUIFAX Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as " charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus XXXX, XXXX, and Equifax : XXXX : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' XXXX : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' The account was closed due to inactivity.

Equifax : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off, '' with the balance reported as a " loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. XXXX states that the account was closed due to inactivity, while Equifax indicates that the balance was reported as a loss. XXXX reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.

Additionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account. 

I request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the " charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Student loan

I applied for a XXXX XXXX XXXX through XXXX XXXX / Lendkey. The website stated I needed to demonstrate 15K in annual income plus a good credit score to qualify. I am a XXXX XXXX XXXX so I do not currently have income, however I have a credit score of 800+ and made more than 15K during a summer internship, so I believed I would qualify for the loan based on the requirements they stated and I submitted an application. After being told that my income did not satisfy the requirements because it was not active income ( which was not stated on the requirements ), I continued to provide additional documentation at the institutions request, only to be told that the documentation they requested and which I provided did not suffice. After getting sick of the back and forth, I requested to pull my application. I then received an email stating my application had been denied because I failed to provide appropriate documentation. I called XXXX XXXX and complained, and they told me that I could call the loan center back and request a change in the language from loan denial to loan withdrawal, as well as a removal of my hard credit inquiry. I made the request and have been given the run around, when I ask for a supervisor I am told that none are available and they will call me back later, yet I have not received any calls.
Product: Consumer Loan

First I like to explain that my choices above do n't match my situation that I am faced with. Although I do n't owe anything on this debt and it can not be collected. I did n't have the right choice so I put the dot in the Debt was paid spot. Now, I had a car that was repossessed in Texas. I had the car through GM Financial who was my lender in XXXX/XXXX/XXXX. After the repossession XXXX did n't follow Texas Repossession Law. I asked GM Financial to validate that this is a collectable debt under my rights as a consumer. I am going to provide all the information that I asked XXXX XXXX XXXX Incorporated to return all the information that I need. Based on Texas Repossession Rights : Vehicle Information ; Year : Make Model Vehicle Vin Number : When the last payment was made month & year? 
When was the vehicle picked up month & year? 
What address was the vehicle picked up at? 
Who was the original lender? 
What address you send any letters to concerning the buy the car back? 
What address you send any letters to concerning the date of the vehicle sale? 
What capacity the car was sold in auction, private, bank sale and Date & Month? 
After or Before the sale did you provide in full detail the financial itemized report on damages, deficiency judgment, mechanical work itemization, and amount of sale letter How much was the car worth before the sale? 
How much was the car sold for at the sale? 
Provide all certified letters that were mailed out to the consumer by Texas Repossession Law. That notified the consumer what transaction was taking place on the vehicle. Under Texas Repossession Law the Consumer must have all this information and if the lender has not contacted the consumer on the sale of the car then the consumer is not liable for the remaining balance. I am asking for GM Financial to be removed off my credit report because I asked them to provide to me this information within 30 days and they failed to d so in the allotted time frame. I would like an investigation done on my rights as a consumer under Texas Repossession Law. I am providing the letter I sent to Gm Financial that they failed to return the information within thirty days ( 30 ) which is by law. For that reason the debt should be removed from my credit report because they disregarded the Law. In fact, I was not given notice when the car was to be sold. They mention it would be sold ten days ( 10 ) after the repossession in which that was a wrong date. The car was repossessed on XXXX XXXX XXXX and sold at a private auction I knew nothing about on XXXX XXXX, XXXX which is about twenty five days later. That is a violation of Texas Repossession Rights.
Product: Checking or savings account

On XX/XX/2022 my debit card was stolen by a stranger. This was something I was made aware of by a fraud alert that came they via text message from Capitol One 360. I replied " no '' to the charge. Called the bank hours later after noticing several charges that I had not made. The CSR told me that I would need to call back once charges were processed. He told me some may fall off because they were flagged but we had to wait and see. This is normal for Capital One bank. The day the charges posted I contacted Capital one and reported the fraud charges. They credited my account pending the investigation. On XX/XX/XXXX I received the denial. Stating my card was used after the reporting. Which is untrue. They would not tell me what charges were made on my card. They said no appeal will be allowed. No need to try and reopen the claim. They sent me the investigation but it didn't show which charge they claim was made using my card with my pin number. All these charges were not pin number charges. They were credit. I use my card as a debit card the majority of the time. My card was locked once I responded to the text. The first CSR also showed other square charges that were attempted but denied due to them being fraudulent. I just want my money back. 
XXXX 's {$52.00} XXXX {$99.00} XXXX XXXX {$56.00} XXXX XXXX XXXX XXXX {$100.00}
Product: Debt collection

Contacted by Jefferson capital for a debt from a company ( XXXX ) that no longer exist & debt is over 10 years old. They fraudulently changed debt dates and placed a new account on credit report. I called ( XX/XX/year> ) the company to ask for copies of all information pertaining to alleged debt & they assured everything would be mailed out. Did not receive anything as of today ( XX/XX/year> ). Disputed with creditor and bureaus. No original contract or validation of debt produced.
Product: Debt collection

15 USC CODE 1681S-2 Showing that this account is open on my credit file which is a violation, company has failed to provide any signed documents with my signature and or Identification proving this debt to be mine
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told the late payment would be removed this is hurting my application for purchasing a home
Product: Credit reporting or other personal consumer reports

My credit report shows that no payments were made for the month of XXXX and XXXX. I have proof of making the payments except there was a XXXX  which I consider a predatory loan practice. 

I was behind on a payment for the mouth of XXXX and was offered a hardship plan which I signed up for. 
Original loan payments are {$860.00} XXXX hardship plan automatically offered online, the loan payments were set to reduce to {$430.00} for next 3 months. I accepted the plan with payment date being XXXX of each month with payments starting in XXXX. 

These are the following payments I made : XX/XX/XXXX - {$870.00} ( even though {$430.00} was due ) In XXXX I was unable to make payment, & then when I signed back into my account to catch up the total due amount showed now overnight was {$2100.00} and a note saying the account is more than 60 days past due even though a payment was made in XXXX per Hardship plan agreement. 
I made a payment on XX/XX/XXXX of {$2100.00}. 

XXXX XXXX said it was part of thier hardship contract where if you miss a payment on hardship plan a ) they can pretend that they never received any payments from the time you sign hardship contract even though a payment was made in XXXX and account was current. 
B ) the atrocious amount due overnight of {$2100.00}. I have no clue how the payment for XX/XX/XXXX due {$430.00} XXXX to {$2100.00} after XXXX missed payment. I consider this predatory loan practice. Not only does my credit show no payment was made in XXXX, when clearly a payment was made on XX/XX/XXXX ( due XXXX XXXX ) to XX/XX/XXXX the account was less than 60 days past due. 

Why does my credit report show no payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report through XXXX XXXX XXXX   XXXX to the 3 Credit Bureaus and after responding all the correct answers, it was denied. Each year its the same issue.
Product: Credit reporting or other personal consumer reports

I paid off this amount in full back in XXXX. This form is void and redundant. If not all together fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Money transfer, virtual currency, or money service

I signed up for a free trial account with Google Pay. Before the free trial ended I tried to delete my credit card information from the account. There is no way delete a credit card from the account unless I add another in it's place.
Product: Credit card or prepaid card

Citibank closed my credit account without informing me the reason of the closure. Since I accrued a significant amount of cash rewards ( over {$10000.00} ) and they are suppose to be automatically redeemed annually, I was informed by their agent over the phone that all rewards accrued are forfeited without providing me an option to redeem them.