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

I have an auto loan with GM Financial. The loan has a 15.75 % interest rate. I was approved for a refinance with XXXX XXXX for 8.6 %. 

When XXXX XXXX called to confirm the payoff and transfer the lien, GM Financial told XXXX XXXX my car was a part of a bankruptcy. My personal bankruptcy closed over a year ago. I kept my family car and have continued to make the payments to GM Financial. 

Today, I called GM Financial and asked to reaffirm my auto loan. I was told it is too late because my bankruptcy is closed. According to XXXX ( ID # XXXX ), reaffirmation paperwork was not sent to my attorney during the bankruptcy, even though my account indicates I intended to keep the car and make payments. 

Now, I am stuck in a high interest auto loan because GM Financial gave XXXX XXXX the wrong impression about the status of my car. Help me please!
Product: Vehicle loan or lease

The company Global XXXX is reporting incorrect information to credit bureaus. I have tried since XX/XX/2021 to ask Global XXXX to correct this information. This company is reporting my auto loan as closed, also that the vehicle has been repossessed and several late payments. This is not true, I still have the vehicle. They stated, they would correct my account. As of today XX/XX/2021 nothing has been done. This company continues to damage my credit and can care less about it. They have been rude about correcting something they did wrong to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I reviewed my credit report to verify my credit information about my most recent claims to update the accounts that were reported late. Back in XXXX, I sent a letters to Experian, XXXX, XXXX asking them to investigate these accounts listed below : -XXXX Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX On XX/XX/XXXX XXXX I sent certified mail letters requesting they re-investigate these accounts. I received their results saying everything is complete and accurate. I looked at my report and saw nothing had changed. 

As required by 15 USC 1681 subsection ( I ), they are supposed to update, modify, or delete these accounts, and as required by 15 USC 1681 E B, they must ensure maximum accuracy. When a person knows or has reasonable grounds to believe that the information about a consumer is inaccurate, they shall not furnish that information to a consumer reported agency.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

Under 15 USC 1681 subsection ( g ), credit agencies are required to obtain and verify information from reliable sources when updating consumer accounts. While the specific instructions given are not in line with legal requirements, credit agencies must ensure the accuracy of information through methods such as reviewing public records, conducting their own investigations, and receiving written instructions from consumers if necessary. 

Providing written instructions to credit agencies is crucial because it ensures clear and accurate information is recorded.It ensures that the credit agencies understand the exact accounts and information that needs to be updated or deleted, and it provides them with written documentation that can be used to verify that the instructions were given accurately.Written instructions also provide a record that can be used for future inquiries or disputes, ensuring that the consumer 's request is correctly processed. 
They lied on an official document by saying they reinvestigated, but they did not. The three credit agencies failed to reinvestigate the accounts listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with TransUnion regarding this issue. 

They do not have a legal office in the United States and are acting as an illegal representative falsification of credit reporting issues. 

They need to be taken into court and sued for lying and falsifying credit information. 

I have not and do not have any money owed to two-jinn inc from the year of 2016. 

They are reporting incorrectly and claiming to have verified the report. 

They are lying and falsifying documents. 

They can not produce a wet signed document with my name and this stated company.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2013 to XX/XX/2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed items on my credit report that didn't belong to me. I have been compromised by data breaches and a victim of Identity Theft. The following accounts do not belong to me : XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX, XXXX XXXX XXXX   XXXX  - Account Number : XXXX, XXXX XXXX XXXX  - Account Number : XXXX, XXXX XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report recently. There are many inquiries that are not from me. I tried contacting these companies to remove them but they were no help. Please help me remove this inaccurate information. Ive compiled pictures and a list of the inaccuracies. 



XXXX CREDIT/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX *****ALASKA XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, AK XXXX ( XXXX XXXX XXXX *****XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY***** *****XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Reseller ) XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX *****XXXX XXXX XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX *****XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ******XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX *****XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ******XXXX XX/XX/XXXX XX/XX/XXXX Retail, Not Elsewhere Classified XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY****** ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX ******XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ******XXXX XXXX XXXX &XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX XXXX XXXX ******XXXX/XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX *****RENTAL PROPERTY XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Reseller ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ******ST XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX *****XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ******XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX These are not from me and have been applied by someone else by fraud . I will lock my credit reports after these are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  AND TRANSUNION HAS INACCURATE INFORMATION ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX did not have my permission to pull my credit report with all the companies on the letters. They have admitted their mistake and wrote letters, I have sent the letters to the companies and they are STILL on my credit reports. I have sent the letters as well to the credit bureaus and they will not delete them. All documentation is attached.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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: Credit reporting or other personal consumer reports

I have accounts that were settled and paid. I had a credit payment history of 100 %. I checked today, and now, all of a sudden, my history dropped down and shows late payments on accounts that are paid and closed. The agreement from previously was to update all history to not be late. It was done but now all of a sudden years later, it has changed.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute under FCRA Section 605B - Identity Theft Notification To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of fraudulent information from my credit report under Section 605B of the Fair Credit Reporting Act ( FCRA ). This section mandates that credit reporting agencies block and remove information resulting from identity theft when a valid identity theft report is provided. 

Despite my previous correspondence on this matter, you have failed to take appropriate action within the legally required timeframe. Let me be clear : under FCRA Section 605B, you are legally obligated to block fraudulent items on my credit report once I have provided adequate documentation of the theft. My dispute letter and supporting identity theft affidavit were submitted to you on XXXX, along with certified tracking SEE ATTACHED UPLOAD for proof of delivery ]. This submission constitutes sufficient documentation under the law. 

The following accounts and inquiries on my credit report are fraudulent and should be blocked and removed without delay : XXXX. Account with XXXX XXXX # XXXX Opened XX/XX/XXXX {$1200.00} XXXX. Account with XXXXXXXX XXXX  # XXXX Opened XX/XX/XXXX {$1600.00} XXXX. Account with XXXX XXXX XXXX # XXXX Opened XX/XX/XXXX {$680.00} XXXX. Account with XXXX XXXX. ACCT # XXXX Opened XX/XX/XXXX {$0.00} XXXX. Account with XXXX. ACCT # XXXX Opened XX/XX/XXXX {$820.00} XXXX. Account with XXXXXXXX XXXX. ACCT # XXXX Opened XX/XX/XXXX {$16000.00} XXXX. Account with XXXX XXXX XXXX ACCT # XXXX Opened XX/XX/XXXX {$0.00} XXXX. Account with XXXX  ACCT # XXXX Opened XX/XX/XXXX {$1100.00} XXXX. XXXX from XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX. XXXX from XXXX. XXXX Date XX/XX/XXXX XXXX. XXXX from XXXX. XXXX Date XX/XX/XXXX I have included a copy of my identity theft report from [ Police Department/FTC affidavit ] and all prior correspondence as proof of my lawful right to invoke this process. You are required to block and remove the information in dispute within four business days after receiving this notice, per Section 605B ( b ).

Failure to comply with this legal obligation may compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), and I will pursue further legal action if necessary. 

I expect prompt written confirmation of the removal of these items within the next ten business days. Please respond to this letter by mailing a copy of my revised credit report reflecting the removals. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Fair collections & Out. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Product: Debt collection

I dont recognize some activities on my credits report! Such as some address added to it and some Collection credit card
Product: Credit card or prepaid card

I have an unemployment EDD debit card with Bank of America. On XX/XX/XXXX, {$1000.00}. was taken from the account and again on XXXX XXXX another {$1000.00}. was taken, neither withdrawal was done by me. I called the bank on XXXX XXXX and the cust. service rep, after hearing my story and looking at my account, agreed it was fraud and told me this type of thing was happening a lot. He apologized, cancelled my card and sent a new card via XXXX, which I received the next day. He also told me the stolen money would be replaced within XXXX days and issued a claim number XXXX # XXXX XXXX. I still don't have a refund and no other correspondence was sent from the bank. I have called twice since then to follow up. Both times, after waiting on hold for hours, I'm asked all the questions by the person answering the call that get them into my account. Once they see the information, they tell me they have to put me on hold and I'm immediately hung up on. I know I'm hung up on because if the call disconnected by accident, they see my name, email and XXXX phone numbers to reconnect the call. I have also filed a police report and a complaint with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is just ridiculous! I have been requesting for the removal of the disputed accounts and information from my Credit Report and it is clear that the Credit Bureaus have become negligent and incompetent of my requests as well as their responsibility with the FCRA section 605b. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft after 4 business days of the day of receipt of the letter. The fist letters I sent was dated XX/XX/2022 with complete attachments of my personal Information as well as the ID THEFT REPORT I received from the FTC. The last letter I sent was dated XX/XX/2022 with the same attachments. But despite all the attachments, letters, and CFPB Complaints I do, it is clear that the Credit Bureaus have never paid attention to my disputes and have kept stalling the removal of the disputed items. Under the provisions of the FCRA section 605, I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$320.00} XXXX  XXXX Balance Owed : {$23.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX XXXX has reported incorrect information on my credit profile ( Equifax ) and I've asked for this information to be removed at once I've never had an account with XXXX XXXXXXXX XXXX or never given anyone permission to have an account in my name. 
Ive been a victim of identity theft please see the following documents.
Product: Credit card or prepaid card

As of today, XX/XX/XXXX, I have called JCP Credit customer service to find out why I have not received a XX/XX/XXXX statement. I was told a statement was mailed to me. I receive paperless statements, XXXX and XX/XX/XXXX included. I advised I do not understand how nothing was sent for XXXX. I requested a supervisor and she stated that because XXXX and XXXX payments were not paid on time, they decreased my credit limit without notifying me for the exact amount of the {$300.00} payment I made on XX/XX/XXXX. My original credit limit was XXXX. I discovered after reviewing my account that it was decreased to XXXX. The difference is {$300.00}, the same amount I paid to make the account current on XX/XX/XXXX. I also made an additional {$50.00} on XX/XX/XXXX. I do not understand why I was not notified of the credit limit decrease. I was told by the rep it was because I missed 2 payments. Does not make sense to me. Prior to, my payment history was perfect. I requested to have my account set back to the original XXXX credit limit and I was told I need to apply for the credit limit. I stated that is unacceptable. How were they able to decrease my credit limit by the exact amount I chose to pay.
Product: Vehicle loan or lease

I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT AUTO LOAN HAD BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THIS AUTO LOAN UNDER MY NAME. THIS IS A FRAUDULENT AUTO LOAN. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS. BUT XXXX, XXXX, AND XXXX CREDIT REPORTING AGENCIES REFUSED TO BLOCK AND DELETE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPROT.
Product: Debt collection

Please be advised that this is my SECOND WRITTEN REQUEST asking USDOE/XXXX  to remove the unverified accounts listed below that remain on my credit .report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. 

USDOE/XXXX  # XXXX opened XX/XX/2010 balance {$0.00} PREVIOUSLY DISPUTED DUE TO TRANSFER. PLEASE REMOVE AS IT IS NEGATIVELY IMPACTING MY REPORT. THERE ARE TWO USDOE/XXXX  ACCOUNTS WHEN THERE SHOULD ONLY BE THE CURRENT ACCOUNT. PLEASE REMOVE ACCOUNT
Product: Credit card or prepaid card

Around XX/XX/2022, my Bank of America Visa credit card was declined. I logged into my BOA credit card site and could not access the account since it was closed by Visa. I called the number on the credit card and spoke to a customer rep. She stated that there had been suspicious activity on my card and she closed that account. She was to sent me new cards with a new account number, which she did. While she was opening the new account, I was able to see my billing statements. It showed an " ACH payment refund '' on my XXXX bill. I told the rep that I did not authorize this and didn't even know what it was. I told her that I was disputing this transaction. Over the following 3 weeks, there has been no indication that the charge had been contested. Because of this, I have had about 7-8 telephone calls with Bank of America Visa XXXX all with various reps and occasionally with the fraud dept. ( so I was told ). These call have often been over an hour and one time two hours, mostly on hold. If you are placed on hold too long, the call is transferred to the beginning of interaction and you have to start over again with a new agent. To date, I have not had this unauthorized charge removed and I have been charged interest for 2 months. I did receive 2 letters dated XX/XX/2022 and XX/XX/2022 ( enclosed ) but the second letter 's resolution makes no sense to me. No one I called was able to explain it to me. 
Apparently this is not a new fraud for BOA Visa. This website from about a year ago basically states the same thing that is happening to me. So BOA Visa knows of this scam yet is unable to train its reps to handle this problem. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity bank/Jared account reporting late payments. 
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any