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

Since 2015, I've had two 3-year leases with GM for two XXXX XXXX XXXX . Never during those 6 years did I miss a lease payment. At the end of the second lease, due to the Covid-19 Pandemic, XXXX had no inventory with which to replace my current vehicle. Because of that supply issue, I was required to extend the 3-year lease for an additional 3 months. At this point, I didn't realized that GM Financial wasn't going to continue to pull my lease payment from my XXXX XXXX checking account - ( via an auto-pay payment I had set up and used for the previous 6 years ). 

GM Financial isn't willing to take any of these unusual circumstances into consideration, replying only that they had placed calls to me etc. At the end of the day, I may have missed those calls, and I will take responsibility for that miss. The issue here however is that after 6 years of on-time payments, my credit is being negatively effected by a missed payment at the end of a lease in which GM literally HAD NO CARS via Covid related supply chain issues. My mistaken assumption that auto-pay was going to continue after I was forced to extend an expired lease is now hurting my credit. 

In a note ( attached ) from GM Financial, concerning the need to extend my lease via this lack of inventory, it notes at the bottom of the letter that I 'may ' have to make manual payments. I incorrectly assumed that given my long standing relationship with GM Financial, they would continue to pull my payments from my auto-pay, and that this wouldn't apply to my situation. I apologized for this miss, and just asked that we could remove the 30-day late given my perfect history with the company.

Thank you! 

XXXX.
Product: Debt collection

this company calls my phone 7-8 times a day, Ive been attempting to satisfy the debt through their website to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX - XXXX XXXX Balance - XXXX  XXXX XXXX  XXXX : - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXXy : XXXX XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX CO XXXX XXXX XXXX XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Bankruptcy : Bankruptcy Date Filed XXXX XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX AV XXXX XXXX XXXX CA XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute over 50 days ago
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate and Unverifiable Tradeline To Whom It May Concern, I am writing to formally dispute an inaccurate and unverifiable tradeline appearing on my credit report for the third and final time before i file a lawsuit. The tradeline in question pertains to an account with XXXX XXXX XXXX XXXX, # XXXX, an entity with which I have never had any business relationship. This inclusion is a blatant violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 18 U.S.C. 1028 ( a ), which prohibits the inclusion of unverifiable information and information obtained through identity theft on consumer reports. 

I have no knowledge of how XXXX XXXX XXXX XXXX obtained my personal information. The presence of this inaccurate information on my credit report is severely damaging my ability to obtain credit and other financial products and services.

Under the FCRA, I demand that you conduct an immediate investigation into this matter and remove the inaccurate tradeline from my credit report. Additionally, I request that you provide me with documentation verifying the information from XXXX XXXX XXXX XXXX within 15 days of this letter. Because i have requested this information on numerous occasions while disputing. If you are unable to verify the accuracy of this information, you are required to remove it from my report.

I have previously requested verification from XXXX XXXX XXXX XXXX, and they only provided copies of bills. I specifically requested the original application and the original address listed at the time of application, original signature, original identification, but these requests were not fulfilled. I am a victim of identity theft and have provided the necessary documentation to all four consumer reporting agencies from XXXX XXXX XXXX. Despite my numerous disputes, this account remains on my report.

I demand that this account be removed within 15 days of this letter. Failure to do so will result in my seeking punitive damages for the continued violations stemming from this erroneous tradeline on my consumer report. 

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

On XXXX XX/XX/XXXX my XXXX file dropped from XXXX to XXXX an amount of XXXX points. When I read what happened on XXXX XXXX the reason was veg it did make any since the company is FNBO is used the card to buy breakfast but I paid the entire amount of in XXXX weeks, but this company reported negative on my file which made my score drop XXXX points. I will never used this company credit card every again, period! 

They also reported to XXXX which also had a negative effect, my score dropped XXXX points from XXXX to XXXX. 

I XXXX  in XXXX and this card credit limit was XXXX, it has dropped to XXXX and has never gone back up. They have asked me for my work history but other credit card company have provide me more credit. Like discover limit went from XXXX to XXXX, XXXX went from XXXX to XXXX and XXXX granted me another XXXX limited credit card, so overall have XXXX limited with XXXX. 

I never been late with FNBO I just thanks that they are an horrible company and it like im stuck with until I can get another credit card that has a higher limit.

As a comsumer I make and attempt to keep my credit under 10 % and I pay the entire amount every month I was showering my daughter but this happen which did make any since to me so I reporting them so XXXX will not be effective by this horrible company.
Product: Debt collection

NOTICE TO CEASE AND DESIST OF REPORTING TO CONSUMER REPORTING AGENCIES AND INTENT TO SUE AFFIANT : XXXX XXXX XXXX XXXX 
DEFENDANT : XXXX XXXXXXXX XXXX-DEBT COLLECTOR XXXX  NUMBER # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX RE : ALLEGED ORIGINAL CREDITOR : XXXX XXXX ALLEGED ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE $XXXX 
CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR : XXXX XXXX, XXXX DEBT COLLECTOR STOP VIOLATING THE FDCPA USC 1692D EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING Woman I DIDNT GIVE CONSENT TO USE THIS NAME/ACCOUNT IN COMMERCE. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN WET SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL WHICH I ONLY RECOGNIZED COMMON LAW. 
EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORTS. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I WILL TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB AS SUCH. 
SINCERELY, XXXX XXXX XXXX XXXX Living Woman Beneficiary OF XXXX XXXX not the TRUSTEE UCC1-308 ALL RIGHTS RESERVE WITHOUT PREJUDICE ALL DEBTS ARE PREPAID HJR 192- 1933 OF
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/19 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additionalclarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty daysbefore the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on credit for XXXX  $ showing delinquent and reported on XX/XX/2019 from Trident Asset Management collection from XXXX XXXX   XXXX say my account has been open for 4 years and I have never had an account with them. I have never really had any credit so I know for a fact I do not have a delinquent account of XXXX  $ with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian, XXXX and XXXX regarding a late payment on my XXXX XXXX Account. The dispute was submitted on XXXX XXXX and continues to come back verified. Each creditor is in violation of the XXXX,. At this time the item continues to report the account as XXXX  days late in the year of XXXX.
Product: Debt collection

I got a XXXX XXXX  credit card with a XXXX XXXX limit I never even used it I reported fraudulent charges rite away they took the charge off and sent me another credit card witch I did not ask for then they determined in there XXXX investigation that I was liable for charges I didnt make Ive tried to talk to XXXX XXXX probably 10 to 15 times Ive called the company they sold the debt to theses are fraudulent charges Im not paying it now its at almost XXXXXXXX XXXX  for something I never even used they wont provide me any information there not helpful at all they just want my money I lost everything even Covid hit I have nothing to give them and Im not paying for something I didnt do
Product: Credit card or prepaid card

Well Fargo Business Credit Card has a due date on the card of XX/XX/XXXX but had a closing date XX/XX/XXXX. I made a payment XX/XX/XXXX, and they applied to previous statement due to closing date from previous billing cycle being after due date for next billing cycle, and next statement showed I was late with a late fee. I complained and they waived the late charge, but they put up my interest rate up from 15.99 to 29 %. I called and complained when my interest rate was increased. They understood that it was not late when reviewing it, but stated they could not do anything over the phone. They sent me a form to fill out. I did, and sent it certified. I called them and they stated they never received it. However, despite stating they never received it, they sent a response stating they could not put my interest rate down due to me being " late '' on my payment. I talked to my bank and called back, but they told me I would have to fill out form again, but they had difficulty locating an " escalation member '' that could send me the form again. This happened again this year. I made a payment on XX/XX/XXXX which was the closing date for the previous billing cycle when due date was XX/XX/XXXX. They applied it to previous months payment and now it is showing I am late with a late fee. This is predatory toward businesses and unethical.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BANKRUPTCY SHOWING FROM XX/XX/2019, REFERENCE NUMBER XXXX. I DID NOT FILE THIS AND I HAVE TRIED NUMEROUS TIMES TO DISPUTE IT. TGRANS UNION WANTS ME TO JOIN THEIR SITE WHUCH I WONT DO. AND XXXX NEVER ANSWERS THEIR PHONES OR COUNTLESS LETTERS. 

IT IS IMPOSSIBLE THAT I FILED THIS BECAUSE I WAS XXXX  IN XXXX  AT XXXX XXXX FOR XXXX XXXX XXXX CALIFORNIA AT THE DATE IS SHOWS. ALSO IF YOU LOOK AT MY REPORT YOU'LL SEE ALL THE ACCOUNTS I HAVE ARE NEW BECAUSE I AM NO LONGER XXXX  AND ALL PAID ON TIME. 

XXXX REMOVED THE BANKRUPTCY BUT I CAN NOT GET ANYONE VIA EMAIL, LETTER OF PHONE CALL AT THE BANKRUPCTY OFFICE TO TALK TO. HELP IM TRYIN TO START A NEW LIFE AND BEING A XXXX  ISN'T EASY. 

YOU CAN CALL ME XXXX OR WRITE ME BACK. 

I BEEN TRYING TO DO THIS FOR OVER A YEAR AND ITS NOT FAIR.
Product: Vehicle loan or lease

Yesterday I was at XXXX XXXX XXXX XXXX at XXXX XXXX  .Located in XXXX , it is outrageous how they can lie to customers without caring, I have a credit union loan approval, the seller XXXX and the manager said that the loan approval letter was false, that is a lack of respect and discrimination to my person, the manager told me that nobody could give me a loan. They wanted I use theirs bank to finance the car, the payment is double.
Product: Debt collection

This debt collection appeared on my XXXX, XXXX, XXXX Credit Reports just recently. I do not have a XXXX account and I do not owe them any money. I have been having fraudulent activity to all my accounts, perhaps this is more of the same. It lowered my score. 

Company - EOS CCA XXXX Balance - {$500.00} Date on Report - XX/XX/XXXX ACCT - XXXX Collection Opened - XX/XX/XXXX Loan ( XXXX ) XXXX Addresses - XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, MA XXXX
Product: Money transfer, virtual currency, or money service

This is regarding the currency exchange I made at Chase Bank branch at XXXX XXXX XXXX XXXX, NJ XXXX, on XX/XX/2018. 
I asked to exchange about XXXX US dollar to XXXX Krona. I asked about rate. The bank teller hesitates a while, and said I could exchange XXXX Krona for XXXX USD with the rate about XXXX. I asked if there is any other fee. The answer is no. As a longtime Chase Bank customer, I did not think much. I took the receipt after the teller placed the order, and leave. 
I looked at the fine print on the receipts later, and found that it says the rate includes commissions. I went online and did a quick calculation. Based on the published market exchange rate at that day, XXXX Krona equals to about XXXX USD. So the exchange rate from Chase Bank is over 11 % higher. 
I think it is cheating by including high commissions into the exchange rate, and not informing the customer about it in advance.
Product: Debt collection

The following text was sent to my ex-wife, weve been divorced XXXX  years. 
I do not know this company and my phone number has been the same for XXXX  years and my address hasnt changed in XXXX  years. 

My ex-wife received this on XXXX XX/XX/year> : Hi XXXX XXXX, this is XXXX XXXX XXXX. 

- We need to discuss your account ( Ref : XXXX ). Flexible settlement options may be available. 

- Call/text XXXX or visit [ XXXX XXXX XXXX ]. 

- This is an attempt to collect a debt. Text STOP to opt out.
Product: Debt collection

Called XXXX different family members and told them they were taking me to court. Uses different numbers and different names when returning calls. Called original creditors and they indicate they sold disputed debt. They have threatened to sur, come to my work, put me in jail, and have told the same to XXXX different family members.
Product: Checking or savings account

This report replaces XXXX. 
In XX/XX/XXXX I made 3 transfers of my savings from XXXX to my Bank Of America account. Deposits are successfully in my account. From this date my account was blocked. I have called Bank Of America 's Customer Service, Claims and Fraud departments on a monthly basis. On all occasions, despite being validated with bank details, passport number, email, etc., they tell me that they have not been able to access the account, so I should call 72 hours later. 
In some cases, the Fraud department has told me that I have to go to a bank branch. I am XXXX  and I live in XXXX, I need a XXXX, my current XXXX  has expired and my appointment to renew my XXXX  at the US embassy in XXXX is in XXXX. I have explained all this to the people who assist me, indicating that I can carry out other procedures. such as a notarized letter validated at the consulate in XXXX, or a power of attorney to my wife that if she has a XXXX  to go to the USA, I can send the documents that corroborate the source of funds or bank statements from XXXX. I have never received any offer. I call monthly since XXXX without any answer or solution. I can not access my bank account by any means. Today, after talking for 2 hours with the Fraud Department, they recommended that I close the account, they transferred me to the Customer Service Department, who told me that they can not close the account because they do not have access either. Finally I asked them for a number of complaints or quality of service, and they told me that the bank does not have anyone to call after 72 hours to try again ( like every month ). I need a solution to my case. Since I have my money withheld.
Product: Mortgage

Follow up to previous complaint filed against Flagstar Bank. On XX/XX/22, XXXX from the Office of the President called me and confirmed that I was given erroneous information in regards to my construction-perm loan. However, they didn't believe that I was mislead into falsely paying off a mortgage even though they were supplied with emails showing this was part of the approval process. They had to turn full circle from their original reply saying that I didn't have a loan in process and that they didn't see anything wrong. XXXXXXXX XXXX direct statement to me was that they did error and that I could resubmit my loan application for approval. All this after interest rates have risen and the economy has entered a recession. I already had a lock on a rate that is no longer valid. It seems that they know they made multiple errors on this application but no one wants to take responsibility for the errors. I also informed her that taking down all the information related to my application was a violation of the freedom of information act. They don't want the communication available to me because it will prove that they mislead me during the last stage of my original loan being approved. We were 2 weeks from closing on the loan before they required an employer statement guaranteeing 3 years of employment for my co-applicant. Nobody in their right mind, as an employer, would ever supply this to a bank. Again, the answer was re-apply so they could approve the loan but at way higher interest rates. Consumer beware. Flagstar admitted they had rouge Loan advisors and gave out incorrect underwriting requirements for this complaint. They don't care about who they XXXX over and what position they put borrowers in. Think twice before using them as your lender. Can't take responsibility for their own rouge employees.
Product: Prepaid card

Have tried to use AmEx Gift Card received by my employer as a Christmas gift. Came as a Virtual Card. Can not find ANY retailer that will take the " manual entry '' of the gift card number. Have tried to reload XXXX account, purchase items, load on XXXX- EVERY time it's declined. Have spoken with AmEx customer service 3 times, keep getting the run-around of " try it again tomorrow ''. It still doesn't work. So much for a Christmas bonus that I CAN'T SPEND. Warning : Never buy from American Express.