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

I have been in contact with GM Financial about removing a credit remark on my report from XX/XX/19. This was an error due to their company 's app set up of the auto pay being difficult and confusing to navigate for customers. They refuse to remove the remark, even though they have the ability and authority to do so. I was never late in over 20 years of being a loyal paying customer. And I was not late by that much either. I am trying to secure a new loan during this difficult financial time and they are not being flexible or compassionate. I would like to some assistance with this matter and would like to file an official complaint about GM Financial in regards to this. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX / XXXX has been updating inaccurate account information to the 3 credit bureaus for years. I have not had any accounts with this company, they have reported 2 duplicate accounts on my report, when I notified them they advised the accounts were inaccurate and they would remove them from the credit report. They did not, I contacted all three credit bureaus and they refused to remove the information. They were not willing to send verification of these accounts to me and they advised me to contact the creditor. Please look into this and remove the 2 inaccurate accounts from all three credit bureaus reports.
Product: Debt collection

Dear Sir/Madam, I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : 1. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt.

2. The legal basis for collecting this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. A full account history, including all related charges.

Your actions violate FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. I demand the immediate removal of this fraudulent account and a prompt resolution of this matter.
Product: Mortgage

I asked city bank for hardship modification because i was going over some family problems. i was approved around XX/XX/XXXX, but when it came time to make my monthly payments i was instructed by a city bank representative that i had to do my payments online and that it was the only way to make a payment. i will call several times every month to make a payment but the only only answer that i would get from the representative was follow the instructions online which i did but nothing would work. I let the representative know about my problems but their only advice was there is nothing we can do and keep following the instructions. I have never denied my self in making a monthly payment, but city financial does not want to take my payments except on line. I received a letter from XXXX XXXX XXXX/XXXX/XXXX Homeowner support specialist which i have been trying to contact since without luck. on XXXX/XXXX/XXXX i received a Foreclosure in process statement for lack of payments. city bank would not take into consideration that i was approved for hardship modification loan. city bank does not want to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all 3 credit bureaus as well as XXXX MACYS 6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$910.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Product: Credit card or prepaid card

I had requested literally years ago that my Miles & More Mastercard account with Barclaycard be closed. I had been repeatedly told that it was, in fact, closed, and my XX/XX/XXXX annual fee was cancelled. But today I received an email alerting me to a forthcoming payment. I logged into the system to discover that not only was this account not closed pursuant to my repeated requests in writing and by phone, but that I had been assessed an annual fee in XX/XX/XXXX and XX/XX/XXXX. The lack of any other activity on this account, of any kind whatsoever, for years, is demonstrable evidence that I was misled into believing this account was closed.

I attempted to contact Barclaycard th is  morning, was told 'this account was closed, ' and when I confronted them with the  most recent statement as well as the record of the XX/XX/XXXX annual fee, I was told that suddenly they were having a system error and that I should call back later. This is unacceptable.

I want : -M

y XX/XX/XXXX annual fee of {$79.00} refunded.

-My XX/XX/XXXX annual fee cancelled.

-This account permanently, actually closed, for good, and to never hear about it again.

The fact that a major credit card issuer can not comply with a consumer 's request to close an account in good standing with XXXX balance is an outrageous indictment of their ability to ma
intain basic systems of account servicing and customer service.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. 

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy 15 U.S.C. 1681i In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. According to the law stated above, the account with XXXX XXXX XXXX XXXX  should be deleted due to the account not being mine. I have requested on multiple occasions, most recently of XX/XX/2023 that a copy of the original contract please be submitted to me within the guidelines listed above. XXXX XXXX XXXX XXXX has failed to do this.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount {$18000.00} this account was included under banckarrot Still in my credit report. I reported to all credit agencies but still on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is in violation of 15 U.S Code 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates They are also in violation of 15 usc 1681a under the Exclusion section ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; the definition of credit card according to 15 U.S. Code 1602 under section ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me.
Product: Mortgage

Dear Customer, Thank you for contacting Freedom Mortgage 's Customer Care Department. Please find attached a copy of the document you have requested. If any additional assistance is needed, please contact us. 

A payoff statement fee of up to {$30.00} may be associated with your request.

You may access your loan information at your convenience, 24 hours a day, 7 days a week! Simply log on to our website at www.freedommortgage.com or call our automated phone system at ( XXXX ) XXXX. You may also send your electronic Payoff requests to FreedomPayoffRequest @ freedommortgage.com or Fax XXXX. Customer Care representatives are available to assist you Monday through Friday from XXXX - XXXX and Saturday from XXXX - XXXX XXXX XXXX. 

Sincerely, XXXX XXXX Department Freedom Mortgage Corporation WARNING! WIRE FRAUD ADVISORY : Wire fraud and email hacking/phishing attacks are on the increase! If you have recently requested a payoff quote, we encourage you and/or your authorized 3rd party to visit our website to confirm our payoff wiring instructions or you may visit www.freedommortgage.com/payoff. Freedomsecure *This e-mail ( including any attachments ) may contain information that is private, confidential, or protected by attorney-client or other legal privilege. Any unauthorized review, use, disclosure, alteration, or distribution is strictly prohibited and may violate state or federal law. If you received this e-mail in error, please delete it from your system without copying it and notify sender by e-mail, so that my records can be corrected.
Product: Debt collection

Blitt and Gaines p.c is saying I owe this amount to XXXX MasterCard. I asked for proof that I owed it on XX/XX/2021. On XX/XX/2021 they sent a letter stating.we expect to complete our review and any research my XX/XX/2021. On XX/XX/2021 they sent a letter stating they need more time for research. And since then I have received letters every month stating they need more time.
Product: Vehicle loan or lease

Hello, Please see the summary below : -Ongoing delinquency in paying on loan due to loss of job and health issues. 
XXXX XXXX XXXX  paid the delinquent amount after multiple struggles to get a means to route the payment to Ally including online, online third part debit, and XXXX XXXX Access to my account was restored and I submitted the payment of {$3500.00} via Ally portal draft. 
XXXX XXXX XXXX  I recognized funds had not come out of my checking account, recognized the routing number had been entered instead of account. Contacted customer service via Chat. Instructed to enter the payment with the correct account number. I requested notation on the account and was told it would be done. Submitted payment for {$3500.00} via online draft. Draft automatically dated for next due date. Edited date for same day. No issue on submission. 
XXXX XXXX XXXX  received a phone call from Ally rep stating I was in repossession and delinquent on the account. Notified by representative that the loan would be discharge if I did not pay. Explained that I do not have the funds as they had been removed from my account. Representative instructed me I would need to pay it or place it on a credit card after the representative spoke to his supervisor. I replied that was not an option as the payment is marked completed in my transaction history on Ally and the funds have left my account. Representative notified me the loan would still be discharged within a day. I requested to speak with a supervisor. XXXX XXXX reviewed my understanding and confirmed my timeline of events. I asked that if the loan was going to be discharged regardless of my completed payment could she locate my funds. After a hold she notified me that the amount I paid was filed as a Overage Payment and that is why my record reflected ongoing delinquency and order for repossession. XXXX XXXX stated that customer service would need to change the application of the funds to fix it. I requested to speak with her manager as this represents an Ally process and infrastructure problem that would have resulted in major financial repercussions for me despite having completed my agreement. We became disconnected. I called back in and was routed to XXXX XXXX 's managers voicemail according to the representative. I left my name, loan number, and phone number on the voicemail requesting a timeline for repossession to be removed and the account to reflect my current transactions with Ally. 

I am requesting that Ally update it, and any records forwarded to other entities, reflect my delinquency was brought current on XX/XX/2022. I would also like updated if my vehicle is still in repossession as this creates a major dynamic change I will need to address to protect my income and my life stability. 

Thank you
Product: Credit card

My identity has been compromised XXXX times this year, leaving my in a state of panic and causing me a tremendous amount of stress. I have XXXX credit card that were ran up and payments that were applied causing overdraft in my checking account because the money was n't in their. I am trying to resolve this issue with credit card companies. Company XXXX Capital One, phone number XXXX XXXX XXXX. This has also caused my credit rating to deplete more than XXXX points. I would like new accounts/credit cards and my credit back in good standings.
Product: Consumer Loan

Good afternoon I had a car loan with Ally Financial for a XXXX XXXX with XXXX XXXX. 
I refinanced this loan and now I have the loan with XXXX XXXX XXXX. 
The current lender sent an overage when paying the loan of {$110.00} I got the check from Ally after many requests ( check number XXXX ) and I deposited into a savings account of the new lien holder and they returned the check ( I deposited through the mobile app ) after the check was returned, I called XXXX to see what happened and they told me to try depositing it again and I did into my XXXX checking account and it was returned as well. It 's very disturbing that a multibillion company is giving bad check to the costumers. I never made a late payment and I complied with the contract to the letter I also called them and they told me to expect an answer in 6 business days
Product: Vehicle loan or lease

Credit acceptance pretty much double charged me financing on a XXXX XXXXXXXX XXXX! The actual car was between XXXX, I have a financed auto loan of XXXX! We have a huge problem here! I have a problem with keeping up with my auto loan because this way too much of a monthly payment! Ive been behind on my vehicle for so many months wondering why its became why APR IS ALSO SUPER HIGH! I called credit acceptance for refinancing but turns out it will take even longer to pay off! MONEY WAS STOLEN FROM ME! Theres no way that Im over charged XXXX when I have a statement this vehicle was between XXXX! That was is ABSURD.
Product: Debt collection

I had an   XXXX   proc edure on  XX/XX/16  a t  XXXX   XXXX   XXXX . Billing to my insurance company and I received several statements with different balances. The initial billing seemed very high for the procedure that was performed so I waited some time to ensure that the insurance coverage had a chance to be paid in full. By early  XXXX , there was no additional payments or activity so I contacted  XXXX   XXXX  hospital billing department directly to work out a payment plan on the over {$600.00} remaining balance as I did not have the money to pay in full. A representative in the billing department suggested that I contact the  XXXX   XXXX , in the financial assistance department to apply for assistance and/or set up a payment plan for the balance. I was not able to reach her and left a voicemail but did not hear back and called again  XXXX  weeks later and left another voicemail but never received a return call. So, on  XXXX   XXXX , I contacted the billing department again and spoke with  XXXX  who set up a payment plan for me and took my first payment over the phone. However, the following day,  XXXX  from billing called me to inform me that my account would go into collection anyway.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft about a year ago. I set up account with all credit agencies, including email/password accounts ( strong password stored in password manager ). 

I went to sign in to my Experian account and it isn't accepting my username and password. 
I go to password reset and it says it sent a reset email to an email that is not me. 
It seems clear someone has gained access to my account and changed the contact email. 

I've called every phone number i can find on their website. I can't get through the menus to talk to someone about this. There appears to be no mechanism to get this fixed. Meanwhile, someone has access to my crediit report and was able to acquire it by taking over my Experian account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DONT RECOGNIZE ANY OF THIS INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Experian, is obligated by FCRA to report accurate accounting.Consumer has advised ALL the inquires reported was fraud, said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is NOT asking for an e-oscar report, if EXPERIAN does not have documentation to show these were in fact authorized it must be removed asap. Said company is liable under the SEC to follow certain rules, EXPERIAN XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers account.
Product: Credit card or prepaid card

XX/XX/2023 I did a balance transfer of XXXX with my XXXX XXXX  Credit Card 0 % interest promo for 12 months. Each month since i have made payment in excess of purchases made each month and paid substantially to reduce balance transfer. 

Each month they charge interest, the first 3 months i called and they reversed the interest charges. This month they stated i am to be charged interest on any purchases until the balance transfer is paid off. 

That is not what the agreement stated and it would make no sense to do a transfer if that where the case
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$4000.00} XXXX : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4000.00}