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

To whom it may concern, My name is XXXX XXXX, and I have a serious complaint against GM Financial. My GM Account Number is XXXX. This complaint begins with the derogatory credit reporting of my XX/XX/2019 payment. 

I scheduled a payment on or around the XX/XX/2019. I  called GM Financial between the timeframes of XXXX  XXXX-XX/XX/2019, and there was no indication that there was a problem with the processing of the XX/XX/2019 payment. 

I received a called from GM Financial 's automated system on Monday the XX/XX/2019. I immediately returned the call. I reached a representative and from the beginning of the conversation the representative was clueless about the call from GM Financial. 

I advised the representative that I just received a call from the automated system. After a few minutes, the representative asked about the two payments that were past due. I advised the representative that I received a confirmation email that XXXX 's payment is confirmed. Letter from GM Financial was emailed to me on the XX/XX/2019 which provided Confirmation # XXXX dated XX/XX/2019. The letter even stated that no further action is required regarding this payment. 

There was no indication from GM Financial at the timeframes that I called indicating that there was a problem with processing XXXX 's payment. When I called, the representative advised me that the checking account number entered was incorrect. I entered the correct checking account number. There was no information from XXXX XXXX stating account number was incorrect. 

I did reach out to XXXX, but I did not feel that it was their error because I received a confirmation of payment received. I want my credit reporting corrected for the month of XX/XX/2019 because I made the payment on time. The support of my honesty is that I made the payment as soon as I arrived home on the XX/XX/2019.

Additionally, when I called to make the payment by phone before the XX/XX/2019, there is no specific information that was given in regards to charges for the online payment. I was advised at different times previously before this situation that there was a charge for web payments, and there is a charge via the automated system. 

The payment that was processed for me on the XX/XX/2019 was no charge. I used my debit card for this payment. Now if I would have known that there would be no charge for the online payment via debit card, this situation would not have happened I am looking forward to hearing from you in regards to the correction of my derogatory credit reporting for XX/XX/2019 by GM Financial. 
Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? 

I filed a dispute with TransUnion on XX/XX/XXXX for Account Name : XXXX XXXX XXXX. 
Account no. : XXXX File Identification Number : XXXX Provided by TransUnion Consumer Relations My request to the credit bureau was to remove the account as it has inaccurate information which I know to be incorrect as I was not even in the US at the time of " Date opened - XX/XX/XXXX '' '' that shows on the account. 

2 days later the response was " Your Investigation Results INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED ''. 
After doing my research I found inaccuracies on the report still, even after they did their due diligence. 

Here is the full account detail : Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX XXXX {$980.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone XXXX Date Opened XX/XX/XXXX - Responsibility Individual Account Account Type Open Account Loan Type DEBT BUYER Balance {$980.00} Date Updated XX/XX/XXXX High Balance {$980.00} Original Creditor XXXX XXXX ( XXXX ) Past Due {$980.00} Pay Status >In Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks ACCT INFO DISPUTED BY CONSUMR What I want to achieve : I would like The CFPB 's help in removing this account from my report as it is inaccurate as quickly as possible. My mortgage rate is costing me 1.5 % extra because of this inaccurate information.

In accordance with the Fair credit reporting act convergent the above account has violated my rights. 

15 U.S.C 1681 section 602A : 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 an account without my written instructions. 


Thank You Warm Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint to CFPB due to regarding an identity theft that has occurred under my identity. Few credit cards have been issued under my name without my knowledge or approval. I found about these fraudulent activities after reviewing my credit report back in XXXX, 2020. 
These credit cards were actively used by someone that I do not know. I have requested to the credit bureaus to delete and block these accounts from my credit report, and requested to contact each creditors and explain the situation. But involved credit reporting agencies and the creditors will not acknowledge my problem and continues to report an account from XXXX. 
I have requested validation and verification of this account to the credit reporting agencies and to XXXX, but they have never conducted such process. 
I did not receive any of documents that I have requested. Requested documents were ; A copy of original contract of each account that bears my wet ink signature Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Also, here is the list of all accounts that were involved with identity theft. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$470.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; STATE OF MI OFFICE CHI XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : SERVICED BY XXXX XXXX ) XXXX XXXX XXXX {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not the one who initiated these inquiries. I am submitting a complaint regarding these inquiries and for assistance to REMOVE them from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled an XXXX XXXX reporting and XXXX XXXX report, and Bank of America is still reporting an old account with a balance on the report that had caused an adverse action against me and my business when attempting to open a new business account. I filed a XXXX XXXX Bankruptcy on XX/XX/XXXX and it was Discharged by the Bankruptcy Court on XX/XX/XXXX, and the Bank of America account was included in the Bankruptcy that was to be discharged. I called back in XX/XX/XXXX, and was advised that the bank would resolve this, but it appears it never has complied with the bankruptcy order.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXI XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into several inaccurate items on my credit report. In addition to disputing these inaccurate items, I also requested an update and correction of incorrect personal information listed on my credit report. Despite my efforts, I have not received any response from Equifax regarding the investigation results. This lack of response has caused significant inconvenience and has prevented me from resolving the inaccuracies on my credit report in a timely manner. 

According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the completeness or accuracy of any item of information in their credit bureau file, the bureau is required to conduct a reasonable reinvestigation to determine the accuracy of the disputed information. 

It appears that Equifax has violated my consumer rights by failing to conduct a reasonable investigation upon receiving my dispute. This lack of action is a clear breach of their obligations under the FCRA.
Product: Credit card

On XXXX XX/XX/XXXX- I applied for an American Express Everyday Credit Card which had a Promotional Offer of 0 % APR interest for XXXX  months for a balance transfers and 0 % APR interest for new purchases for the first XXXX  months of opening the account. The Balance Transfer fee was 3 %. American Express made me read the Terms and Conditions of the card and I printed them out at XXXX XXXX  ( I have a copy - previously sent to CFPB ). At XXXX XXXX, I received an email that I was approved for the card ( previously sent to CFPB ). I borrowed {$5000.00} from American Express and used the funds to pay {$4000.00} towards a high interest credit card and another {$1000.00} towards another high interest credit card. The Balance Transfer Fees charged was {$150.00} dollars. When I received my statement on XXXX XX/XX/XXXX, along with the {$150.00} Balance Transfer Fee, American Express also charged me {$66.00} in Interest charges with a 23.24 % Interest Rate, along with the Balance Transfer Fees. ( previously sent to CFPB ). 

I was charged {$200.00} in XXXX  months for a Credit Card that I was promised 0 % interest for XXXX months. After submitting a complaint to CFPB - nothing was resolved in my favor. I took out the AMEX loan to get me out of debt, not cause more debt. 

I then took out a loan with a local bank to pay off the American Express Card because I was lied to about the 15 month 0 % interest rate. The balance on my loan was {$4800.00}. On XX/XX/23, the bank paid off the AMEX card balance for {$4600.00} and I made my monthly payment for {$150.00} on XX/XX/23. This paid off the loan. 

Today, on XX/XX/23 - AMEX sent me a statement saying I owe them {$49.00} for a {$2500.00} balance from XX/XX/23. Please see attached. 

I do not believe the {$49.00} Interest charge is warranted. I took out a {$5000.00} loan and even after making XXXX months of large payments, I still had a balance of almost {$5000.00} ( {$4800.00} ) due to American Express 's Exorbitant Fees and Interest Charges. 

American Express is a Predatory Lending, first by promising me a 0 % interest rate and then not fulfilling that promise, and later by charging me an Interest Fee ( {$49.00} ) after the loan is paid off. 

American Express is attacking American Consumers using Bait and Switch tactics during their times of need. 

I will also be writing the Federal Trade Commission and my Congressional Representatives with this complaint, including the history and artifacts.
Product: Credit reporting or other personal consumer reports

I am following the rules that your company states I must follow however, I am a victim of either identity theft or an accuracy on these credit reports and although I monitor my credit often I have been reaching out to TransUnion now for the past 6 to 9 months to please get these off of my credit report I am finally doing a consumer financial protection bureau report, because Trans Union is one of the only credit bureaus that will not help you remove inquiries in a proper and professional manner, even if they know that the inquiries are not yours, even if they know that the inquiries were illegally unprofessionally and improperly placed on your consumer report and even if they know, did you did not apply for this product TransUnion still gives no leeway and getting these inquiries taken off of the report like the other credit bureaus do. 
Right now I am battling TransUnion and I have disputed these inquiries starting from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number four is questionable because I dont know if I actually have a card that is attached to this account or not and I have tried to reach out to the company and to my cards but of course nobody wants to help so I have not been able to verify this court or if it is attached to any account that I have, but I almost positive that it is not, and it is the last inquiry on TransUnion that I need immediately removed 4..XX/XX/XXXX XXXX ALL OF THE OTHER INQUIRIES, I BELIEVE OUR MIND, AND OR ATTACHED TO CREDIT ACCOUNTS THAT I HAVE OR HAVE APPLIED, FOR I HAVE NEVER REPLIED TO ANY OF THESE COMPANIES LISTED ABOVE, AND I DO NOT WANT THEM FRAUDULENTLY OR IMPROPERLY ON MY CREDIT REPORT. 
WE ARE IN VIOLATION OF CODE 1681B2 AND CODE 1681 C2 ALSO 15 US CODE 1681 EB AND ALSO US 15 CODE 1681 a2 Why any of these credit reporting agencies or any of your companies think it is OK to be in violation of these codes knowing that some of us as consumers know our rights and no our laws and I am telling you that Im going to keep writing and keep bothering and keep putting forth these professional rules, and guidelines we were supposed to adhere to until something is not about this. I should not be battling one reporting agency for for inquiries that were taken off in a matter of 15 minutes by the other two credit bureaus because they knew they were fraudulent in notof mind doing. 

So once again, without giving out any personal information, I want these inquiries immediately removed from my personal consumer report with TransUnion. They are violating me and keeping me from maintaining proper and ethical credit decisions and monitoring, and I continue to monitor my credit and I will and this is the second attempt to reach out to TransUnion, where they have failed to get back to me in a timely manner I will not let there be a third
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account GMFNANCIAL which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that GMFNANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Vehicle loan or lease

I have a mental XXXX that makes me get incredibly verbally angry at people in stressful situations, and I repeatedly told Capital One of this throughout the reposession. They retaliated against me for cussing out the local tow company whom has damaged and stolen a lot of property from people from what I can tell. I told them not to take anything off the car or in the car or I'd kill them. Obviously the tow company ( XXXX  XXXX  ) had intent to steal parts or belongings because they perceived that as a threat, which is very concerning. Capital One proceeded to retaliate against me for my XXXX despite being previously informed of exactly what it is and exactly what it causes. Because of this interaction with the tow company, the {$1700.00} I was quoted to get my car and reinstate was changed to {$10000.00}. I told them I couldn't pay that, if I can't pay the {$1700.00} I might literally have to kill myself because I would be completely destitute without my car currently. When I proceeded to explain all of the above to them, they rotated me for hours to different departments ( XXXX different reps in 2 days of calls ) and proceeded to antagonize and terrorize me in retaliation for my XXXX and called a XXXX  check on me that was wholly unwelcome after having me speak to someone in the " Office of the President '' who was going to have a " case manager '' call me back. I have not had issues with Capital One up until this point so I am not sure why all of their phone representatives and the company itself has suddenly decided to be so morally bankrupt. I just want to reinstate and get my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

One   XXXX   XXXX ,  2017  G  C Services repo rted an unpaid account to my   XXXX   and   XXXX   credit reports. G C Services does not have a license to collect a debt in the State of GA. They are violating my rights per the FCRA.
Product: Debt collection

I received today, XX/XX/2022, a notice by Nationwide Credit , Inc. purporting to collect a debt for XXXX , XXXX, which was previously acknowledged by the parties to be a fraud. The amount was originally billed to my XXXX credit card and based on fraud by XXXX, they reversed the charges. XXXX then tried to collect it on their own behalf and acknowledged that fraud occurred, and no amount was owing. Nationwide knew or should have known that there was no valid debt due and owing, but despite such knowledge, sent a notice of invalid charges. They stated they had provided notice of this charge 30 days ago, but that is untrue. No prior notice was provided. This is harrassment by a company that failed to review the prior correspondence before harrassing me.
Product: Credit reporting or other personal consumer reports

My issue is with a lot of these creditors that I have not signed a contract with that's affecting my credit. I contacted Experian about this and they said the information is correct.. I tried disputing and nothing was changed.
Product: Checking or savings account

I went to withdraw cash from my Edd Bank of America debit card and someone withdrew {$1000.00} from my Edd debit card account. on Monday on Tuesday day withdrew another {$150.00} I immediately call Bank of America and reported the fraud. During that time in the area of the bank a male person call my wife phone claiming that he was an investigator  looking for a person who lived at our previous address at XXXXXXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/20 I applied for forbearance with my mortgage company ( My Loan Care ) due to the impact of Covid 19. Under the " Cares Act, '' this was not supposed to impact my credit report negatively, which it has. My XXXX  score dropped over 70 points by them making there report.
Product: Checking or savings account

On XXXX I phone Citi bank again inquiring about my refund in my available balance the bank mislead me due to my XXXX ( of XXXX XXXXXXXX ) attempting to take advantage of me by stating my account was in the negative when my funds never posted to my account in the first place However I noticed the bank let the merchant collect the full funds in the original purchase of {$370.00} instesd of the XXXX dollars when they informed me on my account they was collecting XXXX Dollars cause of the refund of XXXX + XXXX from the amount of {$370.00} The bank mislead me attempting to take advantage of my XXXX and the still have my refund pending on my account Attached or exbits
Product: Credit reporting or other personal consumer reports

I have been repeatedly disputed a account on my experian credit report for 1.5 years now and everytime Experian has came back and said the " XXXX XXXX '' account was verified as accurate but they never sent me the information they use to verify that it was accurate as I have repeatedly told Experian there is no such account on my XXXX or XXXX credit report that alone is a violation under 15 USC 1681 ( A ) AND ( B ) because information is not being reported accurately Then I went to Experian to opt out of them reporting any information about this account at all according to 16 CFR 313.7 AND 15 USC 6802 but this XXXX ACCOUNT # XXXX still remains on my credit report Experian has violated my rights under the privacy act of 1974 which has caused me great harm
Product: Debt collection

Revenue Recovery Corporation attempted to change credit card amount they where not authorized to do. They changed my debit card XXXX which they where only authorized to do XXXX for a payment. This is an ongoing issue with different people I have talked to regarding this account. The company does not call you back to resolve an issue with the account and continue to lie about whether my wife or I authorized money to be taken out of our bank account.
Product: Credit reporting or other personal consumer reports

As the Executor and Trustee of this trust account, I am demanding the immediate removal of the following closed account from my credit report. This account does not benefit me, and its reporting is inconsistent across credit bureaus, raising concerns about its accuracy and fairness. I am disputing this under trust laws and require its deletion within 30 days. 

Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Last Reported : Experian : XX/XX/XXXXXXXX  TransUnion : XX/XX/XXXXXXXX  Failure to take corrective action will be considered a breach of duty under fair credit reporting laws. I demand full removal of this account within 30 days, or I will take the necessary legal steps to enforce compliance.