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

Upon checking my credit report. I see that it is a loan on my report from GM FINANCIAL i don't know anything about this car loan i do see that a family member name is listed as a coborrower. I did not purchase a car using GM. This is causing a lot of complication with me actually getting a vehicle loan. i see that on my credit that the account is paid in full due a settlement but i did not sign any contract with gm. i have a victim of identity theft. i was in the military and came back a lot of things was put in my name, my signature was forge and my account was used and compromised by this. i have a police report for identity theft. i am just now learning how to pull my credit. i am asking gm to please remove this off my credit permanently and put it on the person who is the co borrower on the loan credit. I was again do not know anything about this and would like GM to remove it.
Product: Mortgage

In XX/XX/2013 my husband was terminally ill. We had a modification thru Chase XXXX. The XXXX balloon is due this XX/XX/XXXX. I have tried modification twice with them..No Go. When I questioned the Chase Rep about balloon. I was told I could re modify. Now foreclosure is looming and Chase will get my hone valued at XXXX for XXXX. My question how can a coustomer in in financial hardship expect XXXX years later to come up with XXXX. I feel that Chase didnt explain the process and took advantage of my hardship.
Product: Credit reporting

I sent a letter informing Experian that I did not dispute their investigation in late XXXX. They never changed anything I asked. I was turned down for a mortgage because of this. I am attaching the original letter and one I wrote today showing what I need done so my report is accurate. Please help!!
Product: Debt collection

XXXX XXXX XXXX XXXX sent me a vague letter trying to collect {$11000.00} for US Bank with Account number ending in XXXX. 

US Bank Debt with account number ending in XXXX was discharged nearly 2 years ago on XX/XX/2018. Bankruptcy discharge info is below. XXXX XXXX XXXX XXXX should have had ample notice that this is not a valid debt. Trying to collect it now is either careless and/or shady business practice that causes unnecessary stress on the victim and wastes everyone 's time. This should not be allowed and XXXX XXXX should be punished for making false/careless collection claims. 

My bankruptcy discharge is below. 

United States Bankruptcy Court XXXX XXXX of California Case number : XXXX Order of Discharge Chapter XXXX IT IS ORDERED : A discharge under 11 U.S.C. 727 is granted to : XXXX XXXX XXXX aka XXXX, XXXX Debtor 1 Discharge Date : XX/XX/18 Dated : XX/XX/18 By the court : XXXX XXXX XXXX United States Bankruptcy Judge
Product: Credit card

XXXX. When going to make payment discovered the company only allows for direct payments from a bank account- had to provide routing # and account # for payments to come directly. They won't accept any other form of payment. Never heard of this before XXXX. Made a payment on XX/XX/year> with my checking account for funds to come directly out. After checking with my bank on XX/XX/year> funds were already sent to the credit card company. They had received my payment successfully and it was withdrawn from my account on XX/XX/year>. 
XXXX Credit card company reflects my payment that they had received directly from my checking account. Credit card company states even though they already received and verified my funds and it reflects on their website, I am not able to use the available credit until XXXX. ( my bank also acknowledged that the credit card company successfully received the funds and sent me my bank statement showing this ). 

I have never heard of a credit card company using people 's checking or savings accounts in order to receive funds directly. Then after they have already taken the funds directly from the bank account they say it isn't verified. As my bank statement shows, the funds were taken by credit card company. They received payment and it also shows that the payment was received on the credit card companies website. I want the funds I put on the card released sooner that XX/XX/year>. And to have the company looked into more as I have never heard of a CC company taking payment ONLY from a bank account directly. Should be no hold time if they take funds directly or of the bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2019 I made an electronic payment to BBVA credit card. My balance in the statement was only {$21.00}, I overpaid them {$170.00} more. On XX/XX/2019 I called to request a refund, customer service asured me that a check for that amount should reach me in 7 to 10 business days. The ticket # created XXXX. On XX/XX/XXXX called again about same issue, they said money was paid electronicly back to my account through a third party called " Free check '' I assured them that they told me that they could not do it elctronicly because I did not have a checking account with BBVA, after going throug a rollercouster with phone transfers, a customer service name XXXX assured me that she was going to do it right, because I asked to talked to a supervicer, she said the same, I should receive it in 7 to 10 businesd days. XX/XX/2019 called again spoke with XXXX, he said the same tha my money was sent to check free and nothing they could do about, asked to talked to a supervicer, waited 30 minutes or so, finally a superviser named XXXX came to the phone, said sorry your money was paid XX/XX/XXXX through check free, nothing we can do about it, is something that is happening all the time, sorry nobody explained you that we returned your money the same way it came through and check free has it or your bank need to follow up on that. She said that she called them in the mornig about another case because is happen all the time. Case # XXXX. Went to a BBVA branch to see if they could escalate my issue, but he just called customer service told him the same, he told me the same follow up with your bank because they paid your money. No help either.
Product: Debt collection

The name of the collection agency is listed under all 3 credit bureaus but they have not verified the debt
Product: Credit card or prepaid card

The following charges were made on XXXX XXXX 's Citibank credit card without his permission or knowledge : XX/XX/19 {$1000.00} XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/19 {$45.00} XXXX XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th 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 items : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1600.00}, XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I spent nearly an hour on the phone with TransUnion trying to get my credit report freeze temporarily lifted so that I could apply for a XXXX credit card. I first tried TransUnion 's web site and was unable to find a link to unfreeze my report. All I could do was order a credit report. So I tried the phone number that XXXX  had on its letter ( XXXX, a number XXXX  said had been specified by TransUnion ), which led to another dead end ( after being forced to listen to ad after ad after ad ) and a disconnect. I tried again. Same thing : long wait then disconnect. So I found another number, XXXX, which, after again being forced to listen to ads, NEVER gave me the option leading to a credit freeze lift. I tried that twice. Finally, I tried XXXX and eventually found a real person. ( I wont even complain about the terrible connection and hard-to-understand accent. ) TransUnion then charged me {$5.00} to temporarily lift the freeze.
Product: Mortgage

I got divorced 4 years ago in the divorce I took over the mortgage payment, the home was quick deeded into my name as directed by the court. I alone have made the payments since then. My ex wife is on the paperwork I have tried to contact the company servicing the loan on numerous occasions by mail and voicemails left without a response, I am trying to see what needs to be done to have her removed from the paperwork, I do not want to have to refinance the home. This company has been unresponsive
Product: Debt collection

I had a few accounts with XXXX XXXX that were taken out during my XXXX studies between XXXX I have a few issues, one being that my identity was stolen and an ex friend stole my personal information and cosigned a loan verbally/electronically and I do not feel I should have to pay that specific loan but when I spoke to XXXX XXXX about this. They stated that it 's more or less my problem. Recently I 've been getting calls on my phone from XXXX stating that they are seeking to get payment for my navient student loans. I did not answer initially not knowing it was them. Then Wednesday my manager says that I have a call ( I work at XXXX ). I answer and it 's the same company XXXX. I asked them " why would you ever call my job and basically risk my job '' and her response was " we were trying to reach you by cell and you did n't answer '' I stated I no longer want calls to my job because I received a verbal warning from my employer for receiving a personal call. Out of fear of embarrassment I did n't state it was a debt collector. I called back later that day and discussed some options with them. One being buying the debt out for a percentage of the debt. I inquired with her if this " would cover all my navient debt or not '' and she stated she did n't know. So I asked how could she not know being navient sold her this debt and again her response left much to be desired. The sum I owed was in excess of {$6800.00} with the settlement being {$2500.00} and when I stated I make {$110.00} a week she said " you can always ask friends or family ''. The conversation ended soon after that. Yesterday I called them and asked for verification of the debt in writing as I do not want to pay {$2500.00} and in a few weeks have someone else claim to now own this debt. She stated once I pay they will send me the paperwork that states the " debt is paid off '' and I said that I refused to pay until there is something more tangible for me to ensure for my records prior to handing them a check that this is legitimate. And her reply was " you ca n't get what you want, this is how it goes ''. Something along those lines. To which I hung up. I want to do this the right way and between calling my job and then not providing any notice that they actually own my debt and this will make this debt go away aside from a phone conversation. I feel I do not have to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX  have continuously verified accounts listed within my consumer credit report as accurate when the accounts in question do not belong to me and are reporting in error. 

The following items should be removed from my report IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are also 17 unauthorized hard inquireis listed within my consumer credit report which should be removed also. 

Please note that I have made plans to retain an attorney and provide copies of my police report, credit reports, and written statements if this matter is not resolved with the credit reporting bureaus as they never seem to take any consumers credit serious as they are making money off of this issue.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am writing this complaint on behalf of myself. SYNCHRONY BANK is furnishing sensitive information without my permission to consumer reporting agencies. I sent them a notice exercising my right to opt out of the sharing of my non public personal information from being shared to any and all consumer reporting agencies and they responded saying it wasnt me and that a credit repair organization sent the notice. This is untrue and I see it as nothing more than non compliance from SYNCHRONY BANK which is very unprofessional. I've attached the letter I sent to SYNCHRONY BANK and what they sent back to me. SYNCHRONY BANK is now illegally furnishing my information remove the account immediately. I'm submitting a TCR complaint to the SEC for non compliance and mismanagement of my security information. The law says if a consumer gives notice of a gramm leach bliley act opt out request the corporation must comply within a reasonable time frame. It has now been over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date XXXX : XX/XX/2012 Balance : {$7500.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX a company call XXXX XXXX  reported on my Equifax credit report. My score now as of today has dropped almost XXXX points! I never applied for anything with this company. I have never heard of them. They stated I got a loan with them in XXXX XXXX they charged this off in XXXX. Also stating I was 6 months delinquent owing {$55.00} when I called they stated that the {$55.00} was their introductory fee? How am I being charged for something I never used and have no clue of. I have asked for proof and documents showing I signed for this product. They sent me an email stating I need to send copies of where I have filed fraud complaints. Then I get another email stating I have one day to respond to their email or they are closing my fraud investigation request. This company is a scam from my r research online I didnt know anything about them until XXXX XXXX sent me a notification about them on my credit report
Product: Debt collection

I had a phone conversation with a woman employed by the company in XXXX. I agreed to a monthly payment of {$50.00} that was to be automatically taken from my account. I was told if I get anything about court hearing to call the woman back and she would handle said situation. I received court documents in XXXX about the matter with added court cost and 7 % interest and the full amount that was owed. Nothing stating or documents of the amount that I have paid on time like the agreed payment plan.
Product: Credit card

During XXXX - XX/XX/XXXX we had our credit card stolen. We never used the card and never realized the charges. Upon finding the charge we called Discover and disputed. 

They were very helpful and unwound all the charges in a timely manner. 

When that was done we found a positive $ XXXX on the credit card. This was a combination of monthly payments we had made on the balances over the year and the total amount of the disputed charges. 

I called them and asked if this was my money to withdraw to my checking account. This conversation was had both on virtual chat and over the phone for confirmation. The answer both times was yes. However I wasn't able to do it myself they had to transfer. So I provided my account info and in 3-5 days the money was in my account which we used to pay off unwanted debt. 

1-2 weeks later I got a notification on my phone of over balance. I looked at my app and there was a balance of over - $ XXXX!!. 

I called Discover and they said my case was opened back up and all deposits had been unwound. 

After endless calls in to Discover. Some being very helpful and others just being told there is nothing they can do. We are at a loss. 

It's almost a year later and they are now saying there is nothing I can do all the money is my responsibility and they won't open it back up. 

We filed a police report right at the start as instructed. The person was arrested with video evidence and still awaiting federal charges and trail. Both the courts and Sherriff have been in contact with Discover and Discover have confirmed this. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, Pending ( active ) Reference Case cross references Prosecutor Case Management XXXX Police Agency XXXX As we sit I have a $ XXXX balance on my credit card with a $ XXXX limit. My credit is shot and I'm making {$500.00} - $ XXXX monthly payments on money I NEVER spent!
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I was recently reviewing my credit report and I noticed that there was an unauthorized inquiry on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
The fraudulent credit inquiries were made by the following companies : Inquiry : 1. XXXX XXXX  XXXX on XX/XX/XXXX 2. XXXX XXXX  XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX  on XX/XX/XXXX 6. XXXX/XXXX  on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
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 ). This is a serious breach of my privacy rights.
Product: Checking or savings account

TD Bank is a new bank for me, and they gave me 4 checks that I could use, first I tried XXXX XXXX XXXX and they said the check was no good then I tried XXXX   gift store and they said the check was no good, why is TD bank giving out bad checks. This has been most embarrassing.
Product: Checking or savings account

On XX/XX/2022 a mobile deposit was made to my XXXX XXXX checking account for {$10000.00}. The check was made out to my wife XXXX XXXX XXXX XXXX ) from XXXX. 
On XX/XX/2022 at XXXX mountain time the check deposited into my account. 
On XX/XX/2022 a little after XXXXXXXX XXXX mountain time the money was taken back out of my account and put on a hold for 5 additional days. According to the bank Navy Federal Credit Union the check that was used raised red flags after it was deposited into my account. While the money was in my account I was using it to make payment arrangements for miscellaneous items which are unable to be completed. I was informed from the bank that any attempts to withdraw from the account will result in overdraft fees. Overdraft fees from this bank have resulted in over {$800.00} since the beginning of this year alone because the bank will not allow any overdraft protection on my account despite attempts at adding this. Throughout the years I have lost countless money due to the overdraft fees. I am currently at a negative balance on my account because of the reversal of the check funds. I will be facing a financial hardship because of the situation I have been forced into for something that was an error on the banks system according to a supervisor I had spoken to.
Product: Credit card or prepaid card

Credit karma has pre approved me for credit cards many times with very likely to receive and after I apply I am always denied
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
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

I recieved a phone call from XXXX saying that someone charged my XXXX card for {$1500.00} and it said to call XXXX. I called and an employee called XXXX answered the call. She told me that she need to transfer me to the Federal Trade Commission at XXXX. I called the number and a gentleman named XXXX XXXX answered the call. He started to ask me questions and said that my identity had been stolen. He started that over {$300.00}, XXXX has been wired overseas to several different banking accounts. I told him that I have not opened any accounts. He instructed me to close down my banking accounts and take the money out of them and then let him know when I have done that and that he could help me put the money back into a new account. I hung up at this point.
Product: Debt collection

Continue phone calls all hours even earl Sunday mornings, robot calls also so you cant respond ...