23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have had a General Motors ( GM ) rewards card for more than 15 years and have never had any problems until Goldman-Sachs took over the rewards program connected with their Marcus Mastercard. Recently I learned that the awards that I have been accumulating for a number of years are now being removed from my account. I was told by GM from the very beginning that the awards would never expire, yet Goldman-Sachs has removed hundreds of dollars so far and stated they would continue to take regular monthly amounts until it reaches {$0.00}. They claimed that they could do this because I haven't used any reward dollars to buy a new car for over seven years. As I stated before this was never the case until now. Furthermore, I actually did purchase a new car well within the seven year restriction. The previous amount of reward dollars was approx. {$4700.00} and is now down to {$4100.00} and has been steadily dropping for the past year. I only noticed this recently as I have always been treated fairly and didn't suspect anything until this month. ( XX/XX/2023 ) I received no notification prior to their actions. I have contacted them several times regarding this matter, most recently on XX/XX/2023. After a lengthy discussion with customer service I was informed that the agent couldn't help me and that he would refer it to the appropriate department and that they would call me in " a few days ''. That was exactly two weeks ago today ( XXXX XXXXXXXX XXXX ) and I have heard nothing. 
In summary my complaint is based on : 1 ) That Goldman-Sachs has arbitrarily changed the original terms to my credit card agreement. 
XXXX ) They took these actions without my prior knowledge or consent. 
XXXX ) After repeated attempts on my part they have not acted in good faith to resolve this issue.
Product: Credit reporting or other personal consumer reports

Reported a number of Hard inquires showing up after XXXX XXXX XXXX  data breach, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. BALANCES PAID IN FULL PER AGREEMENT AS STATED ON 1099C, NOT DUE TO BANKRUPTCY. On XX/XX/XXXX mailed each company a written notice is regarding XXXX XXXX  XXXX IRREVOCABLE TRUST to include all deviations of the same with the SSN list XXXX of XXXX, GA Birth Certificate number XXXX DOD number XXXX, passport card # XXXX and XXXX XXXX # XXXX. As Executor and authorized Agent for XXXXXXXX XXXX  XXXX IRREVOCABLE TRUST, I XXXX XXXX invokes my right in regards of the Disclosure of Non Personal Public Information and defined by U.S.C., and Constitution of Republic America and per the FCRA. As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer may have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and a UCC Financial Statement noting said agreement filed with Secretary of State. Further a copy of notice and said agreement must sent certified mail with PS Form 3811 return receipt address to Executor at address below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the validity and the accuracy of this account several times since I have found these accounts reporting on my credit report. I have provided a new dispute reason for each time the account has been disputed. According to Florida law I am supposed to receive a notice of sale 10 days prior to the vehicle being sold as well as information regarding the time and place the vehicle would be sold I have asked XXXX XXXX and XXXX XXXX XXXX for that information and as of today I am still not in receipt of that information from either of these companies. I spoke with XXXX XXXX at XXXX and she advised that they received a letter from me on XX/XX/XXXX which I advised to her my last request to them was mailed on XX/XX/XXXX she advised that she believed due to Covid they have been backed up in processing requests in their office. She advised that my request for validation including the contracts, account statement, deficiency balance, and notice of sale was mailed out XX/XX/XXXX which I have yet to receive as of today XXXX XXXX. Please review recorded line conversations from XX/XX/XXXX. 

The last letter I sent to the credit bureau 's dated XX/XX/XXXX requested the bureau 's to investigate the reason why the date of last payment reports incomplete and inaccurately because XXXX  does not reflect a date of last payment, Experian reports the date of last payment of XX/XX/XXXX, and XXXX  reports a date of last payment of XX/XX/XXXX. As of today XX/XX/XXXX I have not received the results of that investigation it has been well over 45 days since I have been waiting on a response from all three bureaus.
Product: Debt collection

I am disputing this debt and requesting the original purchase agreement under 15 US Code 1681 e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not updated accounts and are incorrectly reporting closed accounts as open, and are incorrectly reporting revolving balances that were paid down. As a result, my credit utilization being reported way higher than in actuality and my credit score is being drastically affected as a result of this misreporting and failure to update.
Product: Prepaid card

I contacted Bank of America because I've been approved for Unemployment benefits and someone has been collecting my benefits and using them from XXXX the total amount is XXXX I'm a single mom and struggling I need that money. I've done over XXXX claims with Bank Of America to get my money back. I was told I need to wait 90 days that is crazy I can't wait that long I'm a single mom of soon to be XXXX kids that can all benefit from this money that was taken from us. I had over XXXX taken from my taxes for an over payment from Unemployment that I never received. Bank Of America is being wrong for this I will reach out to more people and places for help with getting all of my money back! I'm not sure of the card information but this is my second complaint the first one states the card number I was given. I called to check on the status o my claim on XX/XX/2023 and was told my claim was denied and they claim I authorized these transactions you guys messed up & need to fix it. I asked for my case to be reopened because I didn't authorize these transactions nor have I ever received a card from Bank Of America until XX/XX/2023. I have been getting small deposits on my card so far I've gotten two for XXXX and five for XXXX I need all of my money back I've already got in contact with the local news and I will be contacting California State Representative XXXX XXXX tomorrow regarding this issue. Thanks to the local news for giving me her information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a Equifax representative and told them that you have been a VICTIM of their inquiry issue. Their customer service was not able to assist me and take care of the negative inquiries reporting to my credit report. 

XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$25000.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$24000.00}. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$6000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute confirmation number XXXX with Equifax. It has been a month and I never received an email, a notification on the site, or physical mail regarding the process of the dispute, nor did they ever send the method of verification that I requested.
Product: Student loan

My servicer, Navient, sent me an email on XX/XX/XXXX congratulating me on my approved application for deferment. I never applied for deferment for my student loans. I had my loan repayment set up to debit my checking account {$220.00} every month. I never knew that they would or could defer my loans without asking me or without me applying for deferment. I owe approximately {$29000.00} in student loans. I called Navient on XX/XX/XXXX and asked why they deferred my loans. They told me that it was written in my promissory note and that my college, XXXX XXXX   XXXX University, contacted them and told them to defer my loans for me. I then called my college on the same day and asked if they had contacted Navient for me to defer my loans and they said no and that they do not do that for students. I also asked if they had any record of me asking XXXX to help me defer my loans and they said no. XXXX informed me that Navient retrieves a list of borrowers who are enrolled in school from a different source and defers their loans. Navient lied to me about XXXX telling them to do it, deferred my loans without consulting me, and has ultimately set me back on my student loan forgiveness. Now I am behind on my repayment schedule with interest accruing.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a balance due of {$8100.00} on the XXXX   partial account number XXXX. ( Please see pages 12 and 13 of the attached credit report. ) On XX/XX/2019 I went to the XXXX XXXX precinct and filed an identity theft report. While checking my credit report, I discovered that an unknown individual opened several accounts and did about XXXX inquiries with my personal information. I have moved several times and at one point I lost my drivers license and social security card. I did not open this account nor did I give anyone authorization to use my personal information to open and account. I have attached a copy of the police report prepared on XXXX along with a copy of the signature page. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to resolve this, however I have not been successful.
Product: Credit card or prepaid card

Over a year a go i got a pass due bill from capital one menards big card. I never made the purchase and filed a fraud complaint. Thought it was cleared up until XXXX everything came back with all late charges. I never made the purchase plus my credit card ends in XXXX and capital one says its XXXX number. Capital one said its my fault and to pay it. How can it be my fault for a charge i never made. Paying thr bill isnt the issue the issue is im not paying for something i never charged. Why is it my fault and why should i pay for something i didnt charge. But capital one said i have to pay it theres nothing they can do? Watch out for capital one for charges you never made they will ruin your credit like they did to mine making it drop XXXX points. I live off XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Their charge is half my monthly pay with all the late charges. My card was paid off no balance now in screwed suffering for their mistakes. Watch your credit charges for things youve never charged!
Product: Debt collection

Calvary filed a lawsuit against me without providing me with proof of a claim against me. They did not provide me with any information indicating that the alleged debt was valid. They reported on my credit report and now my credit score is suffering because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Member ID XXXX XXXX - XXXX FILE # XXXX - XXXX - Unknown MULTIPLE FAILED ATTEMPTS TO HAVE NEGATIVE INFORMATION AND OLD ADDRESS REMOVED FROM CREDIT AGENCIES Including multiple disputes and letters. 

XXXX XXXXXXXX XXXXk - Acct : XXXX XXXX - Sold to XXXX XXXX XXXX - Acct : XXXX XXXX XXXX - Acct : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) - Acct : XXXX XXXX ( XXXX XXXX  XXXX XXXX ) Acct : XXXX Old Address - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX To whom it may concern : In reference to 15 U.S. Code 1681 Law, Accurate and Fair Credit Reporting I am asking for removal of ALL NEGATIVE ACCOUNTS, LATE PAYMENTS AND OLD ADDRESSES. I HAVE MADE NUMEROUS ATTEMPTS REQUESTING THIS TO BE DONE BY ALL AGENCIES ( XXXX, EXPERIAN, & XXXX ) AND THEY HAVE NOT COMPLIED WITH MY REQUESTS. 

These negative accounts reported on my credit reports have been a hindrance on my life. I have made multiple attempts to have them removed from XXXX, XXXX and Experian. and I would appreciate if you would enforce any action needed to the 3 major credit reporting agencies to have these accounts removed. This is a defamation of my character and has resulted in a failed attempt to become a first time home buyer. 

I HAVE ATTACHED MY ACCOUNT NUMBERS FOR EACH AGENCY for reference. Also attached is a copy of my drivers license and a current bill to prove my identity. 
Thank you for your help, XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX, TX XXXX Last 4 of Social - XXXX
Product: Mortgage

I am in the process of closing escrow on a new home, escrow is supposed to close XX/XX/XXXX. 
I have sold my current home, and both my home now and my new home should close escrow on the XXXX. XXXX title has requested a payoff on my current loan from freedom mortgage about 2 days ago, should only take 24 hours to respond. Freedom mortgage still has not responded. I called freedom mortgage today which is XX/XX/XXXX, talked to a woman who said she would fax ticor title right away. She also said it would take ten minutes. She also offered to e mail me a copy of the payoff and I agreed. It 's been 3 hours and still no response. I reminded freedom as to how important it is for them to respond to XXXX XXXX as I have 2 weeks until I 've got ta move and it just seems as if they do n't care.
Product: Credit card

Electronic payments no longer being processed from XXXX XXXX to shop your way XXXX, unable to make eltronic payment over the phone after providing bank routing number and bank account number, told payments are not received when they were, payments sitting in processing for days while unapplied to account, mislead by customer service, Was told if I wanted to speak to an American representative I had to hang up and continue to call back back until I reach one. Then was able to be transferred to an American representative when I said my next phone call was to the consumer financial protection Bureau. Payment mailed on XX/XX/XXXX was told not received on XX/XX/XXXX I placed a stop payment on XX/XX/XXXX and issued a new check. They then posted the original payment to my account dated XX/XX/XXXX proceeded by posting a reversal due to the stop payment. I mailed a third check on XX/XX/XXXX, this time sending it certified mail. As of XX/XX/XXXX neither the 2nd or 3rd payment had been applied to my account. I called them again and was told my 2nd and 3rd payment had not been received. Then when I told them I mail the 3rd payment certified mail an I knew it was received then then told me my 2nd payment was in processing as of XX/XX/XXXX. As of today no payments have been applied to my account. I was charged interest and a late fee which they agreed to reverse.
Product: Credit reporting or other personal consumer reports

I already submitted one CFPB complaint, which was marked as completed by the company but not resolved. I'm confused how this happened. I am still trying to delete my credit freeze, I emailed my documents to XXXX over a month ago and continue to call in, but nothing happens. My case number is XXXX. I have attached all required documents to this complaint in addition to mailing them and emailing them, and will continue to call. Please delete my credit freeze.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information regarding the Midland Credit Management account listed on my credit report. The account references the original creditor as XXXXXXXX XXXX XXXX, and I have found multiple discrepancies across different credit reports. 

The inaccuracies are as follows : XXXX. Different Reporting Dates : As shown in the attached credit reports, XXXX lists the balance as of XX/XX/XXXX, while both XXXX and XXXX report the balance as of XX/XX/XXXX. The inconsistent reporting of the same debt violates the accuracy requirements outlined under the Fair Credit Reporting Act ( FCRA ). 
2. Balance Inconsistency : All three credit reports show a balance of {$620.00}, but the dates are inconsistent. Additionally, it appears that this account has already been sold to Midland Credit Management, yet there is still a balance reported under XXXX XXXX XXXX, which suggests potential double jeopardy. 

This inaccurate and conflicting information is damaging to my credit profile and violates my rights under the FCRA. According to 15 USC 1681i, credit reporting agencies are required to ensure that all reported information is complete and accurate. The discrepancies in these reports indicate that this account is not being reported consistently or accurately.
Product: Checking or savings account

Today, at XXXX XXXX I received an email from my bank that a new PIN for an unknown debit card number under my name was on its way. I tried calling my bank but when I enter my information, I realized somebody changed my PIN on my regular debit card ( not related to the last four digits that came in the email ) I could change my PIN trough my bank app, but when I called they advise me to get a new debit card. I am fearing that my identity is compromised. Something similar happened to my mother when she tried to buy in a grocery store she continuously gets an invalid message when she enters her PIN number, somebody changed it without her notice.
Product: Checking or savings account

My mother is in assisted living at XXXXXXXX XXXX XXXXXXXX ( XXXX, PA ) and I am her POA. I write checks to cover her costs at XXXX, and have done so for several years now. The checks are sent by US Mail and I mail from a secure drop point ( my apartment has an enclosed mail room ). The check was stolen before it was received by XXXX and cashed to a Fidelity / XXXX XXXX account using a XXXX scan. The payee name was changed from " XXXX XXXX XXXXXXXX '' to " XXXX XXXX ''. The amount, date, my signature, and memo line showing my mother 's account number with XXXX were unaltered. The check was for {$9600.00}. The name on the " Pay to Order of '' line was in the same handwriting as the " signature '' on the back of the check along with the instructions " For Deposit only to Fidelity '' The fraud was not discovered until after two months of seeing that XXXX  was still invoicing me for that month ( the invoices do not always reflect the last payment ). I went on line to obtain a copy of the check to provide proof of payment. It was then I discovered the check fraud. Within 12 hours of discovery, I went by person to PNC and closed the account. Following that, I made a police report with the XXXX, XXXX  police department, contacted the XXXX and FTC. I have also contacted the XXXX XXXX and XXXX XXXX XXXX XXXXXXXX, who directed me to CFPB. 

I requested PNC to cover the loss, as I understand that banks do this in instances of fraud. The fraud was not detected and the check was cashed to my mother 's loss. I was told that by the time I acted, too much time had passed from the time the check was fraudulently cashed. In all matters I have tried to follow the recommendations of how to deal with this incident and I have acted in good faith. I am here appealing the denial of my request to cover the losses I and my mother endured. The cause of the injury is a failure to detect fraud, not a short window to discover it. 

Thank you for your help in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/year> XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a charge off account from XXXX XXXX  # XXXX with a balance of {$300.00}, XXXX XXXXXXXX XXXX XXXX # XXXX with a balance of {$4500.00}, XXXX XXXX # XXXX with a balance of {$4200.00}, XXXX XXXX # XXXX with a balance of XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 # XXXX 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.