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

I purchased a brand new truck in XX/XX/2018 from a GMC dealer. I used GMC financial for the lender. I signed a contract that day. The vehicle could take 2 weeks to arrive. I sold our other vehicle and had the money to advoid having the loan or payoff the loan XX/XX/2018. The dealer said we cant pay the loan off until the vehicle arrives. Unfortunately the vehicle arrived XX/XX/2018. On the same day, l called GM financial to pay off the loan so I wouldn't accrue intrest. GM financial said they have no account and no paperwork to allow a pay off. GM finianial customer care said I would not incur interest because there isnt a loan until they receive the paperwork and have payoff information. 
On XX/XX/XXXX we contacted GM finianical to request a pay off. This time they had the information and surprisingly with intrest accruing since XX/XX/XXXX. I was told I couldnt have a payoff before because they didnt have any of the information but they accure interest from XX/XX/XXXX contract. I was told they can take up to 2 weeks to prepare the loan legally. I mentioned it was just shy 2 months to receive any information to even get a payoff amount. I asked for them to change the interest to XX/XX/XXXX when I received the truck. They told me they will not change anything. I talked to 3 managers above the first person. I feel I was denied any kind of payoff and was forced to pay interest for 2 months. I asked what day they received the documents to establish an true account with payoff. They said its showing XX/XX/XXXX but acknowledged this may not be accurate with the information and call times I provided. 
My worry is I have had many loans in my life time. I never been told I couldnt payoff an account but been charged interest after the fact by back date. I dont feel comfortable with a loan they dont give me the actual date they truely funded the loan but back dated it. My credit union I have my home mortgage with said that is not normal business for a loan. They would have not charged intrest until an account was established. 

If you have time you can be on the 3rd line to listen to GM finiancal explain there is nothing they can do and totally comfortable charging interest and back dating the loan information to fit their needs. If a payoff is not provided until XX/XX/XXXX then there should be interest charged until with in reason of that date. I think millions of people are being defrauded a few {$100.00} each with this non normal practices. 

I have received zero information in the mail about loan or payments. I have the account information as of XX/XX/XXXX by calling in. Also, finding out fraud of interest charging and back dating.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$16000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1800.00} ; XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$360.00} ; XXXX XXXXXXXX Balance Owed : {$6400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX, XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION, XXXX, AND XXXX IS IN VIOLATION AND A SERIOUS BREACH OF TRUST. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS ; ALL 3 BUREAUS ( TRANS UNION, XXXX, AND XXXX ) IS IN VIOLATION OF : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU ARE NOW TELLING ME AGAIN TO CALL IN AND DISPUTE INFORMATION THAT DOES NOT BELONG TO ME. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
Product: Checking or savings account

On Friday, XX/XX/2023, I logged into my XXXX online account and paid for 3 items. Upon checking out, my card ending in XXXX was already on file. Therefore, I clicked on it. 

The standard procedure did not take place this time. I placed an order, the money got deducted from my personal checking account, but there's no history that it did, Therefore, I'm submitting this email. 

I already notified Bank of America Resolution 's department. via email. Amazon disclosed the order ; Again, the money got deducted from my ledger, and there's no proof of that visibly. Why? Where did the transaction post? Am viewing my ledger or a fake ledger? 

Also, today, XXXX, I came to the XXXX XXXX  Public Library, computer # XXXX, and when I attempted to log into my online account with Bank of America, my password would not work. I had to reset the password. I had no choice. 

XXXX XXXX XXXX
Product: Mortgage

WAS TOLD BY XXXX THE SUPERVISOR AT US BANK HOME MORTGAGE LOSS MITIGATION/ RELATIONSHIP MANAGER SUPERVISOR, THAT ONCE MY TRIAL PAYMENT PERIOD ENDS THAT MY PERMAMENT PAYMENT COULD INCREASE BY {$30.00} TO {$40.00} PER MONTH. BUT ACCORDING TO THE WEBSITE FOR MAKING HOME AFFORDABLE /DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT/ HUD, THEYCAN NOT INCREASE THE PERMANENT PAYMENT AMOUNT IT MUST THE SAME OR LESS THAN THE TRAIL PAYMENT AMOUNT. HE WAS VERY RUDE AND I THINK HE WAS JUST SAYING ANYTHING TO GET OFF THE PHONE. I WAS ALSO TOLD BY SOMEONE IN THE SAME DEPT THAT I DO NOT NEED TO MAKE MY PAYMENT UNTIL PAPER WORK IS RECEIVED FOR PERMANENT PAYMENT AFTER I HAVE MEET THE 3 TRAIL PAYMENTS.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$1800.00} XXXX OF XXXX **** XXXX {$380.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$9800.00} CAF XXXX XXXX {$21000.00} XXXX XXXX  XXXX Balanced {$0.00} XXXX XXXX XXXXXXXX {$1500.00} XXXX XXXX Balanced {$4200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Please see attached documentation pertinent to the dispute with the bank regarding the credit card. I must add that besides not disputing the transaction ; the bank also negatively reported the charge to my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Debt collection

first this XXXX  XXXX XXXX XXXX in XXXX they reported on my credit files, After i file complain in XXXX with CFPB ( File number XXXX ) because i do not own this debt they removed this reported from XXXX amount and then they removed from my credit file, Now this new debt collection agency Common Wealth Financial system trying to collect same debt ( {$1300.00} dated XX/XX/XXXX ) which i don't own, They reported on my credit file i like them to immodestly remove negative information from credit file from all 3 credit reporting agencies,
Product: Credit card

UPON REVIEWING MY XXXX, XXXX AND XXXX XXXX REPORTS, I CONTACTED AVANT TO INFORM THEM THE LATE PAYMENTS THEY HAVE FURNISHED ON MY CONSUMER REPORT ARE UNLAWFUL. I HAVE RECIEVED NO HELP OR RESPONSE ON THIS MATTER. FIVE TIMES I HAVE CALLED CUSTOMER SERVICE AND EVEN ASKED FOR A SUPERVISOR, BUT I WAS JUST PIT ON HOLD. 

XXXX XXXX XXXX XXXX - Timing of payments XXXX XXXX XXXX Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXXXXXX XXXX XXXX XXXX  of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
In order for any creditor to treat a payment as late you must prove that : The information required under XXXX XXXX XXXX XXXX XXXX XXXX  of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 
XXXX XXXX XXXX XXXX XXXX XXXX is very specific on all required information needed or that must be mailed or delivered to the consumer!
Product: Credit reporting

I paid off a loan in 2 years vs. 5, my credit score went down XXXX points. I have never missed a payment. Only had one late payment in 2014 ( less than 30 days ). These Credit companies are misusing the credit reporting system. When you look at what a XXXX is made from, it states nothing about paying off loans to quickly, hurting your score. I guess companies loose money on the interest, if they are paid too quickly, so they feel spiteful? I am also annoyed with the amount of promotional inquires on my credit report. They are all unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested a copy of a signed credit card agreement to Capital One, regarding a debt they said I paid late. Such false information is being reported on my credit report. 

I demanded a copy of the agreement and they sent me a letter stating that they did not have any written agreement but continue to report false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

After my divorce was finalized on XX/XX/XXXX and my ex-husband took full financial responsibility for the mortgage, but before he completed the sale of the condo on XX/XX/XXXX, he stopped paying the mortgage payments resulting in two months of nonpayment on a {$140000.00} mortgage. 

It is now reflected on my credit score and Associated Bank has declined to make any effort to rectify my credit score even though I was not legally liable for the mortgage payment per my divorce settlement. 

I have filed disputes with the three credit reporting agencies and provided my court-stamped marital settlement document : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). During their investigation, Associated Bank confirmed that the mortgage was in my name and the credit reporting agencies closed the dispute. 

Per the marital settlement, I did not have legal authority to conduct or otherwise speed up the sale of the property while my ex-husband was failing to pay the mortgage.
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  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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: Vehicle loan or lease

In XX/XX/2019, last month, I made a payment on the XX/XX/XXXX for $XXXX to cover both XX/XX/XXXXand XX/XX/XXXX. I had already paid some at the beginning of the month and this was more than what was owed. The payment was misapplied and I was threatened with having my vehicle towed for nonpayment by XX/XX/XXXX although it had been made more than a week before the due date. When Santander found that a complaint was filed against thier company, they called and the payment was corrected. Now they have done the same thing again in XX/XX/XXXX. They are saying the payment was never made, they are trying to collect $XXXX  on my $XXXX installment and all that is owed in XX/XX/XXXXis $XXXX $XXXX  was already paid. This has become a regular occurrence and constant harassment involving my car. It is much worse than harassment and abuse now.
Product: Debt collection

On my XXXX XXXX keeps coming up 2 separate in collections for {$30.00} dollars from XXXX XXXX XXXX. This has been paid. And is effecting my credit score. Also is there anyway of removing previous credit cards from my history report that have been closed for the over 7 years. Im trying to increase my credit score. Thank you
Product: Student loan

Refuse to acknowledge my certification from my Not for profit organization. Im a XXXX XXXX and have submitted my information back in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Owed : {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed XXXX {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA XXXX XXXX ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX Prestige Financial XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/XXXX Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$13.00}, XXXX on my account. The amount is inaccurate because I have been making consistent payments to pay off my car and this afternoon I was told that I owe {$940.00} in fees that were never listed on any of my statements. This is unfair because if I do not know that I have late fees, how can I pay them? The fees also affect the interest I am being charged and my payment amount and I feel that this tactic is illegal. 
I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 
Enclosed are copies of a few of my most recent and current statements which do not list any fees that I have been told that I owe now. 
1. Statement date XX/XX/XXXX covers XXXX there is no record of my payment of {$1700.00} that I made on XX/XX/XXXX and my balance did not decrease and then the next statement dated XX/XX/XXXX covers XXXX. There is no record of date XX/XX/XXXX on either of the two statements and I made a payment on XX/XX/XXXX and it is not showing up. 

2. On statement dated XX/XX/XXXX it covers XXXX but lists a fee assessed on XX/XX/XXXX. The statements for XXXX and XXXX skip XX/XX/XXXX and show no record of activity for that date and I made a payment. 

3. Legal fees for repo were charged on XX/XX/XXXX, the balance was settled on XX/XX/XXXX and the car was returned to my possession on XX/XX/XXXX so why were fees charged again on XX/XX/XXXX? 

4. I made a payment of {$220.00} on XX/XX/XXXX and it was reversed for no reason on XX/XX/XXXX per the statement dated XX/XX/XXXX. There is no indication or late fee/non-payment fee on the XXXX, XXXX or XXXX statement that my payment had been returned. 
5. Each statement indicate that the total balance includes principal interest and fees yet I am being charged a separate amount of {$940.00}. My balance via the online portal as of XX/XX/XXXX indicates it is {$12.00}, XXXX, however on the statement dated just one day earlier on XX/XX/XXXX indicates it is XXXX ( fees included ) but the current principal balance is listed as XXXX. None of these balances have any cohesion. None of the balances indicate how the fees of XXXX have been calculated and since the opening of the account no payments have been applied to all of the fees that had been assessed. 

I have found several billing issues on statements where one day out of the month is skipped and is not included in the statement for the month before or after that date. 

I also know that my balance is much higher than it should be. 

Please investigate this matter and correct the billing error as soon as possible. 

As a result of these unethical practices I would like to be able to give the car back with no penalty or discontinue payments on the vehicle if this balance is not corrected. A crime has been committed. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX Last XXXX of XXXX : XXXX Credit Bureau : XXXX RE : REINSERTION OF INACCURATE ACCOUNTS WITHOUT NOTICE OF REINSERTION To Whom It May Concern, On XX/XX/XXXX I disputed several accounts being reported by XXXX in the file they maintain under my Social Security number. I was informed on XX/XX/XXXX that the negative accounts were deleted from my credit report. 

Now I have discovered that the items have been reinserted onto my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.

I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 

Please govern yourself accordingly. 

XXXX  : Consumer Financial Protection Bureau XXXX XXXX Attorney Generals Office XXXX : XXXX XXXX XXXX
Product: Bank account or service

Problem 1- I have been an checking account holder in Bank of America XXXX XXXX, and when I moved to XXXX XXXX XXXX, I made my account online only for ease of use. I was using the account regularly, with last login on XXXX. In XXXX, XXXX & XXXX of XXXX, I get XXXX emails from Bofa that I have to update my account information with my latest address, which I do. Sometime in XXXX, I try to login to my account, but I am locked out. I call Bofa customer care, and to my shock, they say that my account is closed by them, money has been zeroed out and cashiers cheque is sent to my XXXX address! There was absolutely no notification of closure of the account and sending of the cashiers cheque. 
Problem 2- So I find out that the cashiers cheque was made on XXXX/XXXX/XXXX, I was informed of this after I called them and not the other way around. The cheque is void after 90 days, but reaches me after 45 days, around first week of XXXX. When I call them that I have received the cheque and request if they can just reactivate my account and put the money back in my account, they refused to do it. They suggest I should encash it in XXXX itself. 
Problem 3- I give up on BofA and go to my local bank in XXXX XXXX They process my cashiers cheque on XXXX XXXX, XXXX and send it across to Bank of America, where it has been received as of XXXX XXXX, XXXX. Yet, there is absolutely no response from Bofa on the status of my cashiers cheque. I also hear from my bank here XXXX XXXX Bank ), that there are XXXX such cases along with my cheque, with bank of America 's cashiers cheque along with the same envelope. 
So, for the last 3 or more months, bank of America has made my money disappear, without my permission, and has not even bothered do respond to my bank from XXXX, after I have gone through so much trouble! Today it is XXXX XXXX. XXXX is supposedly void XXXX XXXX, but that is beside the point. It is my money, and I have had no access to it and I do not see any signs of getting access to it either.