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

I have an auto loan wit h GM Financial. On   XXXX   XXXX ,  2017  the car was deemed a total loss. We were advised by the insura nce carrier and GM tha t the payment would be made and GAP insurance would cover the difference and not to worry. The car payment was due  XXXX   XXXX ,  2017  and again  XXXX   XXXX ,  2017 .   My account shows an {$8700.00} payment made by  XXXX  on  XXXX   XXXX ,  2017  when the car payment was due on  XXXX   XXXX .    GM  even waived the late fees for  XXXX .    GM d ebited my bank account on  XXXX   XXXX ,   XXXX   for {$310.00}.     I am now dinged with a 30 day late payment which is TOTALLY unfair.   Auto payments should have been  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   ( or  until GAP paid the remaining balance ). So if  XXXX  made payment  XXXX   XXXX , they debited my account on  XXXX   XXXX  and  XXXX  due date is not here why is my account showing 30 days late??????
Product: Mortgage

In XX/XX/2016 I received a HAMP modification packet from Ocwen. Myself and the co-borrower filled out the packet and submitted as instructed. We received an approval letter and instructions to make XXXX trial payments to start XX/XX/XXXX. The payment was sent via next day air and was made via money order. The payment was received and signed for on XX/XX/XXXX but they did n't cash the money order until a week later. They did n't record/post my payment until it was cashed and marked my account late. I then sent my XX/XX/XXXX trail payment via regular mail on XX/XX/XXXX and paid via personal check. They did n't try to cash my payment until a month later, my bank declined the check due to the date so I submitted it again via overnight express ( tracking numbers can be provided as proof ). They successfully cashed that check but again, marked my account late. I then immediately sent a personal check for the XX/XX/XXXX payment on XX/XX/XXXX. I waited and waited and again, they did n't try cashing the check until the middle of XX/XX/XXXX and again my bank declined the payment due to the check date. I again sent another payment in but just last week they sent a letter stating that I had to resubmit the payment via certified funds. I did that via XXXX. Today I received a notice stating that they will not accept the XXXX payment for XX/XX/XXXX and it has been returned. On the letter they state that we are over 90 days past due and that is why they would not accept my payment. Throughout the trial period Ocwen would send multiple letters, each one coming from different Ocwen office/department. None of the letters matched the other and they all had different information. Ocwen has also changed my relationship manager 3 times within the last 3 months. Each time they changed my relationship manager, I called them to try and get accurate info regarding the payments being recorded late. Each time I was advised that everything was ok and the letters were being crossed in the mail. Also each time, my previous call with my previous relationship manager was never recorded so I had to start all over with every call I made. Now Ocwen will not accept the last trial payment ( that was due and payment attempt was made before the XX/XX/XXXX ) or our XX/XX/XXXX payment as they said we are 90 past due. They are no longer honoring the signed HAMP agreement and my calls to them have not resolved the problem. We are now at risk of losing our home again because Ocwen will not accept payment-they will only accept a full payment of over {$6000.00} that they state is overdue. Ocwen has also given my phone number out to various debt relief companies without my approval and these companies call several times a day every day. I have all of their letters, tracking numbers, certified funds receipts, and my returned checks.
Product: Bank account or service

Hi my Name is XXXX XXXX I received a call from capital one 360, he was trying to collect a debt which he said was past due of XXXX or XXXX and last XXXX payments were on time..This is a check debit card the balance is {$210.00} it was over XXXX. this is the first time this has .also he said i was XXXX days behind. i need help. thank you account XXXX the phone where they called from is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have made some really bad decision in my life, specially when I was younger but I am finally looking to tern my life around. I started to look into my account and monitor my debts and try to resolve them. I noticed a Macys card account that was pending since XX/XX/XXXX but we are in XX/XX/XXXX so I could n't understand why this account was still open and posting for payment. I investigated with Macys and Citi bank, they told me that the Statue of limitations does apply to it and it should n't be on my credit report. They advise to file a complaint with the credit bureau and with Macys.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd time that I am reaching out about having my identity stolen and this account is still on my report. I have want over that this isn't my account numerous times. Last year my wallet was stolen and it contained my email and password also my social security card, my phone number and my license. My banking and routing number was stolen as well. Then when this account pop up on my report I knew that somebody actually did use my identity to open the account. They probably thought they could transfer money out but I got it blocked. Now I have this negative report that is on my report that has to come off because it is ruining my life. This is not mine why would you guys continue to let it stay. According to the FCRA 605b once account is deemed fraudulent an account must be removed within 4 days of receipt. You can't validate something that I did not benefit from that's why this account has to be taken care of right away. This account is an error all the facts are out, somebody stole my wallet and try to take my identity. I just want justice, I just want peace. I don't want to continue to be stressed over an account that's not mine. Somebody thought they can ruin my life and they did. These scammers don't care but don't let there agenda put me and my family down. Please give me peace give me justice from these criminals my life depends on it. I have attached a affidavit, FTC report, proof of identity, XXXX bless you all.
Product: Credit card or prepaid card

I have 3 accounts with synchrony Bank, Lumber Liquidators, Brandsmart, and Home Design. My wife had a card with XXXX XXXXXXXX XXXX  through Synchrony.  Within the last 90 days Synchrony Bank completely cancelled my wife 's card that had been paid satisfactory and had a XXXX  balance, and each month between XXXX, XXXX and XXXX, lowered the credit line of each of my 3 accounts with them damaging my credit score in the middle of a refinance process. When I contacted the company although I have never been late with any of their cards, they gave reasons based not having a mortgage attached to my credit report and other information from the report but could not provide specifics. This practice has caused harm to my credit report and my refinance opportunities. It arbitrarily increased my debt to income ratio. I am XXXX XXXX and when speaking with other associates they have expressed the same concerns with the conduct of Synchrony Bank. The lumber Liquidator account I have held since XXXX without default, Brand Smart Since XXXX without default. There continued actions are causing irreparable harm. Their response was " credit can be a snowball effect '' one in which they are causing by increasing my debt to income ratio.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX on XX/XX/XXXX under the account number ( private ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( private ), a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$310.00}. These accounts have resulted in several fraudulent collections appearing on my consumer FICO report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Improper use of my credit report. A collection agency is violating my rights under the no surprise act 2022, I have a medical bill that a out of network provider is charging me without my prior authorization.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  Balance : {$0.00} 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 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and noticed the following information regarding to be in error. The Fair Credit Reporting Act XXXX IS REPORTING A BALANCE THAT IS INCORRECT NOR DO I HAVE KNOWLEDGE OF XXXX XXXX XXXX for {$1500.00}. As of XX/XX/2023 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 I visited Equifax 's web page for determining if I was affected by their data breech. I was. It was suggested I sign up for their free Monitoring and Identity theft service with a XXXX XXXX protection package. I did so. During the sign up, under terms and conditions where one is able to see the 1 million protection, it showed two different levels of protection. One for 1 million and the other for only {$25000.00}. It did not tell me what was applicable to me. I called Equifax 's help line for this service and the rep stated he did not have access, nor knew of this. I asked for a supervisor. I was put on hold, he came back and it was stated that no supervisor was able to answer this. His instructions were that I call XXXX and leave a voice mail to request that Equifax call me back. That number does not reach such a service. He also provided https : //Help.Equifax.com and while I was still on the line with him, I went there and no such answers were available. At this point I do not know if I am signed up for any protection what so ever, and if I am what the protection levels are.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute the unauthorized hard inquiries listed on my credit report. These inquiries are negatively affecting my XXXX XXXX, and I believe they violate the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of consumer information. 

The following inquiries are in question : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Legal Basis for My Dispute Under the FCRA, hard inquiries can only be authorized by the consumer. Specifically : XXXX. 15 U.S. Code 1681b ( f ) : A person may not use or obtain a consumer report unless authorized by the consumer or if permissible under federal law. 
XXXX. 15 U.S. Code 1681i ( a ) : Consumers have the right to dispute inaccurate or unauthorized information on their credit reports. 
XXXX. 15 U.S. Code 1681c-2 : Credit reporting agencies must block unauthorized information within XXXX business days of receiving proof of identity theft or fraud. 

FTC and Credit Bureau XXXX XXXX Federal Trade Commission ( FTC ) reported significant data breaches involving XXXX ( XXXX ) and XXXX, which compromised consumer data, including mine. These breaches have heightened the risk of unauthorized inquiries and fraudulent activity on my credit report. 

According to the FTCs guidelines : Consumers are entitled to enhanced monitoring and remedial measures due to negligence in securing personal XXXX XXXX and XXXX are legally obligated to rectify inaccuracies caused by these breaches.
Product: Checking or savings account

Over draft fees in the past when over draft bank in XXXX till XXXX or longer when transaction should have been approved
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent letters to TransUnion, XXXX, and XXXX to correct errors currently on my credit reporting. I was advised they have looked into it, however, it's still showing on my credit reporting.
Product: Mortgage

Loan # XXXX On Wednesday, XX/XX/2022, at XXXX XXXX  CST, XXXX. XXXX XXXX wrote : To Whom This May Concern : We need all timely filed records and official and legal records generating my signatures on the contract. 

Everyone clearly knows what I am asking for and requesting. 

Chase Bank of Financial institution needs to be sending me the Department of the Army Records and Department of Veteran Affairs ' legal records and the Department of Veteran Affairs ' Appraisal record certification on this property on the proper starting date from XX/XX/XXXX - XX/XX/2022, and after XX/XX/2022, to this date. 

I still have not received any official and legal record from Chase to support their statement or claim as to why this deal was not closed on the date and time it should have been closed. 

I still don't have your official and legal records from my employer or anything from my employer showing support records to support such a statement of record. 

If this is not discrimination, then please explain to me what discrimination under the law is. 

The attached records are returned for more work. I am not going to agree to end anything until I get the PROPER RECORDS that I am asking for. 

This process is very simple people. I do business that is legal, accurate, proper, and correct, and not business just done any kind of way that is not legal, accurate, proper, and correct. Explain to me what I did wrong and what I failed to do in this process, and I will counterclaim your statement with my PROPER RECORDS. 

As soon as Chase Bank turns over those professional records they should have been verified by now and if the seller still wants to terminate this agreement, then he can do so. 

Chase should be talking to my legal counsel of records on file to get any legal records they may need or should have used in the parts of this process ; therefore, your records must be PROPER RECORDS and sworn and certified under a sworn affidavit under oath with proper signatures in blue OR black ink.

Chase Executive Office still knows that their consent records are still outstanding as of you receive this email notification. 
All your records will be used and are needed in other legal records. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
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 {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX on XXXX XXXX should be altered and Macy 's name should be removed. 
I was informed earlier by XXXX Macy 's employees that XXXX was available for using any credit card at Macy 's stores. I also checked on XXXX site as well as XXXX credit card 's site to confirm and Macy 's was clearly written as a participant. XXXX card is having a promotion wherein transactions would receive 10 % cash back of the total amount transacted, if used with XXXX Pay in-store. 
I saw some pieces of jewelry at Macy 's amounting to around {$10000.00} and wanted to buy them for my sister and mother. I however did not have the XXXX Pay/XXXX card set up, so I went home to get those. 
Also, AFTER confirming with Macy 's on the phone and website XXXX as well as with XXXX at their store and online AND with XXXX online and on the phone ; I was sure that Macy 's would honor XXXX Pay, and so then I came back to Macy 's within 2 hours to buy and was informed now that Macy 's does not support XXXX Pay. 
I have now technically LOST 10 % of my transaction amount in XXXX Cash-back. I would like Macy 's to please refund me 10 % of the transaction amount that I have now lost in cash back due to Macy 's deceptive advertising around XXXX Pay availability. 
I was hence Forced by Macy 's to use the Macy 's credit card for the transaction which is absolutely unfair and incorrect behavior. 
I had put another piece for around {$8000.00} on hold and was going to buy that as well on my XXXX XXXX, but after being informed of Macy 's stance on XXXX Pay/Discover card, I chose at that point to leave those XXXX additional pieces of jewelry aside from my purchase order. 
The said transaction for the XXXX piece of jewelry is said to hit my account on XXXX/XXXX/2015 and I want Macy 's to refund me 10 % of that transaction to address the loss I have had to incur due to not being allowed to use XXXX Pay/Discover at the Macy 's store. I have included relevant links for your validation in the email above. 
On subsequent follow-ups over the last 2 months, Macy 's reps have been extraordinarily rude and defensive and simply unwilling to hear me out. On several occasions, I had to request the reps to stop 'interrogating ' me or to not interrupt my sentence prior to my finishing my thoughts. I was provided ultimatums and told in many nuances what a miserable individual I was ( the recordings at Macy 's would concur ). At this point, I had to take a stance as well and be more forceful in my responses. 
XXXX of the Macy 's Exec office rep ( PLEASE listen to her recorded conversation with me as well - XXXX XXXX ) pretty much informed me to follow her terms or pretty much go to XXXX. My cards on the Macy 's card website have also been blocked so I can not see any balance information etc. I would imagine this is breaking some Regs out there. I also informed XXXX XXXX that if they applied the said credit against the 0 % APR balance, Macy 's would only benefit. She refused flatly and even expected me to take leave from work and stay at home to accept her certified mail.
Product: Credit card or prepaid card

{$170.00} XX/XX/2022 at XXXX ( country ) I was flying from XXXX ( XXXX ) to XXXX ( XXXX ) I purchased a ticket using XXXX XXXX that included 1 free baggage. 
While checking in XXXX representatives demanded that I'd pay for the baggage that I already paid for. I had only 1 piece of baggage. They held me hostage. Either you pay or you will not fly. Being in foreign country and felt a XXXX and being blackmailed I had no choice to pay. When I came back I opened a dispute with Chase Bank ( Credit Card services ). I was told that because I signed and paid, they can not do anything. When I asked if they did any investigation as I have a proof of paying for the baggage, they told me that if I signed ( even being blackmailed and felt XXXX ), I must pay. I asked what if they had a XXXX to my head. Chase CC services told me that I still would need to pay. 

I believe Chase CC Service must conduct investigation to confirm that I already paid for the baggage and credit me back. That's OUTRAGEOUS what they told me.
Product: Checking or savings account

I have been charged thousands of dollars in bank fees. The bank has held my deposit, charged me a fee and then posted my deposit. I want Wells Fargo to do away with overdraft fees the same as XXXX  XXXX XXXX and other financial institutions.
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. 

Account name : XXXX XXXX SYS Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX has violated my rights. Or list of inquiries 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.