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

I spoke with a GM Financial representative in XXXX about getting approved for a 3 month payment extension as I was furloughed from work due to COVID-19. I was told that GM was only approving extensions for one month at a time and I would need to call back in the next month and ask for another extension. I repeatedly asked if he approved only one month would this be an issue the next month and I was told no. The one month extension was approved for XX/XX/2020. I contacted GM on XX/XX/XXXX to request another extension for the month of XXXX and I then informed by an online representative that I could not be approved due to me already being approved last month for an extension. When I explained to the representative what happened the previous month I was told I was given misinformation and should have been approved for multiple months at one time. I then called GM to speak with a manager but was told one was not available at the time and the rep asked what was the issue. I explained what the problem was and the rep stated I was given misinformation and they would submit for another extension for XXXX and XXXX. The rep asked to place me on hold as she submitted the extension request but I was hung up on. I once again contacted GM to speak with a manager but was contacted with another rep who I explained the issue to all over again, this rep also placed me on hold to review for another forbearance. The rep cane back and stated I was approved for the month of XXXX and she had submitted for the month of XXXX for approval. I was told I was approved for another extension for my XXXX payment but I continue to get notices for my XXXX payment and I still have not received anything in the mail regarding the approval nor does the website make reference to the XXXX extension.
Product: Debt collection

To Whom it may Concern, RE : REQUEST FOR FURTHER INFORMATION With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report.

The report records that I owe a company that I did not enter into any agreement with. I request that you provide the original documents for this information containing my appended signature and any other related information. 

If this information is unavailable, I request that you have the item deleted from my credit report as soon as possible. 

Thank you. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and fraudulent information has been reported under my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Fraudulent Accounts : 1. Creditor Name : XXXX XXXX XXXX o Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXX o Balance : {$0.00} 2. Creditor Name : XXXX  o Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXX o Balance : {$140.00} 3. Creditor Name : XXXXXXXX XXXX o Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXX o Balance : {$1500.00} 4. Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Reported : XX/XX/XXXX o Balance : {$1100.00} Fraudulent Inquiries : XXXX. Creditor Name : XXXX XXXX XXXX  o Date of XXXX : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXX hit and we lost our power and internet when the storm destroyed our house. We did not have power for 10 days and no internet for XXXX weeks. I went into the branch the week before XX/XX/XXXX and the said their system was down. I went back on XX/XX/XXXX and said I needed to make the payment. They pulled up the account and told me the amount. So I paid what they told me. The due date was on the XXXX so I left there thinking I made the payment before the deadline with no problems. It wasnt until the credit bureau report that it was over 30 days late and I went back in to the bank to argue that I found out that they told me the wrong amount and we were reported late for the {$200.00} difference. I have spoken to people at the bank and at the loan department that all agree that it was their fault and that they would reverse the negative report to the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

1- XXXX XXXX XXXX XXXX XXXX know where it came from or who did it but it says unspecified inquiry that i didnt make is fraud. i call the company they say the same thing. 

2- XXXX XXXX XXXX : I CALL the company provide them with my social and information and they cant find any information they told me to contact you you guys as well the cosumerfinance team they have no record of me or anything of the sort. 

3- US SM BUS ADMIN ODA : When covid 19 came a-lot of people was doing fraud on accounts and i think my was one of them dont recognize this inquiry please verify thank you. 

4- XXXX XXXX XXXXXXXX XXXX also made and inquiry to my report but they number never work is no way of contacting this bank and idk where did it came from please verify thank you.
Product: Money transfer, virtual currency, or money service

Following up on the initial case I filled ( case number : XXXX ) Wise claimed they had no evidence that the recipient didn't get the funds and I am attaching couple of documents to show that 1 ) Bank Statement as of XX/XX/2022 ( 49 days after I sent the initial payment ) 2 ) Recipient Bank Policy on swift codes and Intermediary bank ( showing Wise used wrong intermediary bank ) 3 ) Letter from the recipient that states she didn't receive the funds Thanks
Product: Checking or savings account

BMO allowed a random person to create checks. No information on the check was correct except for the account number. The wrote XXXX checks for a total of {$49000.00}. BMO never notified me, but they cashed all checks and drained my account. Now they tell me it could take 90 days to recover my funds.
Product: Credit reporting or other personal consumer reports

I was a victim of Credit Karma giving me preapprovals for credit cards. When I applied, I was denied. I stopped applying and now I disregard the preapprovals offers. My credit was checked and caused a decrease in my credit score. I expect to be compensated from the results of this lawsuit and I may stop using Credit Karma.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm writing to bring to your attention a troubling issue involving XXXX XXXX XXXX and the major credit bureaus XXXX XXXX Equifax XXXX and XXXX. It's regarding some inaccurate and unverified charge-off information that's hanging around on my credit report like an unwelcome guest. 

Despite my best efforts, this charge-off account hasn't been adequately backed up with any solid documentation, despite my repeated requests and disputes. According to the Consumer Financial Protection Act ( CFPA ) [ 12 U.S.C. 5511 et seq. ] and the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 et seq. ], XXXX  XXXX XXXX and the credit bureaus are obliged to play by the rules. This includes ensuring that any disputed information on my credit report is thoroughly investigated and supported by proper documentation. 

But here 's the kicker every time I've asked for some proof or documentation to back up this charge-off, I've come up empty-handed. And the responses from XXXX, Equifax, and XXXX? They've been pretty vague, just saying the info is " verified, '' without showing me any proof. 

This lack of documentation is more than just frustrating ; it's a clear violation of my rights under the FCRA and CFPA. As a consumer, I have the right to accurate and verifiable information on my credit report. The fact that there's no evidence to back up this charge-off raises serious doubts about its accuracy. 

So, I'm asking no, I'm demanding that this unverified charge-off be taken off my credit report with XXXX, Equifax, and XXXX immediately, in accordance with the FCRA and CFPA. If XXXX XXXX XXXX and the credit bureaus don't comply, I'll have no choice but to explore all available legal options to seek redress for the damage this has caused. 

I'm counting on you to help me out here. Let 's get this sorted and put this whole mess behind us. 

Thank you for your prompt attention to this matter. I eagerly await your response and the resolution of this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I register account in TransferWise company to use service of international transfer to XXXX ( XX/XX/XXXX ). 
After my registration was completed, I set a transfer to XXXX for amount of {$100.00} XXXX. To complete transfer I had to top up my TransferWise account with amount of around 110 USD. XX/XX/XXXX I transfer money to Transfer Wise company from my private account - amount of {$110.00} USD. 
After that TransferWise deactivated my account, cancel the transfer that was set, and block my money. 
I send the email XX/XX/XXXX with questions 1 ) how to access account 2 ) when the transfer will be completed The answer inform me that : 1 ) my account is deactivated and following the regulation of company the investigation process for find reason may take up to 60 days. 
2 ) my transfer is cancelled. 

I request to get my money back. I had name this practice by stealing. However TW ask me for account number and proff of ownership to account. - I am a tour guide and I don't carry that kinds of documents with me! 

Due to those procedures ( which I doubt are legal to the law ) I wait to get my money back till XXXX. 

I received amount of {$90.00} USD to my account. 
Differences 16.6 % less than I send. - $ XXXX. 
I wrote email to clarify this, and answer from TransferWise said that : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hello XXXX, Thanks for your response! 

We received funds from you as a SWIFT hence we processed refund using the same payment method. 

Please note that SWIFT payments incur extra charges as intermediary banks as well as receiving bank may charge their own fee.

Unfortunately, we are not aware and have no control over these fees. 

Just in case, you can read more about SWIFT here. 

I hope this explains why you have received less. Please, let us know if you have any questions We are happy to help! 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Today is XX/XX/XXXX. 
- I did not receive email that explains reason of why services I ordered was cancelled, account deactivated, money blocked. 
@ transferwise stuff informed : following theirs " company regulations '', account may be deactivated and investigation XXXX take up to 60 days, after that email will be send. They did not. 

- I transfer to TransferWise {$110.00} USD, and after unknown reasons of refusing me to use their service, I received back to my account amount lower of 16.6 % / $ XX/XX/XXXXUSD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$3600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPCY DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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 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
Product: Credit reporting or other personal consumer reports

It is deeply concerning to discover that my credit with your bureau has been compromised. Despite submitting items with an FTC fraud report # XXXX, it has come to my attention that they have not been removed. As per the requirement outlined in law 605b of the FCRA, I am submitting this complaint along with my new FTC reports # XXXX and # XXXX. Should you choose not to remove the following items listed below, which are reporting inaccurately due to identity theft, I will be compelled to engage my attorney to initiate legal action. However, it is my earnest intention to avoid such measures, and I implore you to adhere to the law. Please remove the following items as they are fraudulent and were opened without my consent or knowledge : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you claim these items are 100 % accurate and verifiable, I require copies of any documentation associated with these items bearing my signature, as I am certain none exists. In the absence of such documentation, I formally request the immediate deletion of this information from the credit file maintained under my Social Security number. Please be aware that you have four business days to remove the reporting of any items in my credit file resulting from alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting

XXXX/XXXX/15 I signed up for a XXXX Credit Tracker program to see my report and Fico credit score. 
I called them to verify cancellation and was told as long as I cancelled within XXXX day, there would be no additional charge. This is not true. They billed me XXXX on XXXX. I called today to discuss this and was told there was no refund and that i had only signed up for a XXXX day program. Had I not called to verify being able to cancel, I may agree. However, my biggest compliant is the actual package. Yes, I got a credit report but the " score '' was either not my FICO or was inaccurate. It gave me a number of XXXX. The same company gave XXXX XXXX XXXX. It gave XXXX XXXX XXXX and I could go on. Even for XXXX what did i pay for? Credit reports are to be free once a year. Disputes are also free to file. I have ever done anything else with them except that. Today I was told i had logged-in to look at the report. No, I open the consumer site looking for a phone number! There is misinformation, false advertising and possibly fraud here in what they say they offer. The supervisor told me to look at the page I logged on to for the disclaimer about the XXXX day trial. Even looking for it I could not find it. They have a mulch-colored box with all their services and packages and at the very top of the page on a grey background in grey type, it does mention the 7 day trial. This is done intentionally so that a consumer will over look it. There is no doubt about this. I want my money back.
Product: Debt collection

Here is a sample dispute letter you can send to all three credit bureaus regarding the removal of a collections account due to insufficient information and the absence of a contract. This letter leverages the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ) guidelines : XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, NV XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Collections Account Reporting Account Name : XXXX Collections Account Number : XXXX Original Balance : {$3500.00} Current Balance : {$3900.00} Date Assigned : XX/XX/XXXX Status : Unpaid Dear Sir/Madam, I am writing to formally dispute the accuracy of the collection account listed on my credit report from the agency XXXX. This account lacks sufficient information and is erroneously associated with my credit profile. I do not have any contract or agreement with this entity, and therefore, this account should not be listed on my credit report. 

Legal Basis for Dispute : XXXX. FCRA Violations - Inaccurate Reporting ( 15 U.S.C. 1681 ) : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies must ensure that all information on a consumer 's credit report is accurate, complete, and verifiable. The collection account listed does not provide any verifiable information, including the original lenders details and appropriate documentation to substantiate the debt. The absence of this critical information renders this reporting as incomplete and a violation of my rights under the FCRA. 

XXXX. TILA Violations - Creditor Definition ( 15 U.S.C. 1602 ( i ) ) : According to the Truth in Lending Act ( TILA ), a creditor is defined as an entity that extends consumer credit and to whom a debt is owed. I have no contractual relationship with XXXX, and no debt has been extended to me by this agency. Therefore, this account does not meet the TILA definition of a " creditor '' and should not be reported under my credit profile.

Actions Requested : Immediate Removal of the Collection Account : I request that this account be promptly removed from my credit report as it is inaccurately and improperly reported. 

Written Confirmation : Once the account is removed, I kindly request written confirmation from your bureau that this action has been completed and that my credit report has been updated accordingly. 

In accordance with the FCRA, I expect this matter to be resolved within XXXX days. Failure to act within this timeframe may lead to further actions to enforce my rights under federal law.

Thank you for your prompt attention to this matter. I look forward to your confirmation of the removal of this inaccurate and unverifiable information. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report shows a bunch of names for me. I was told by each credit check company all names would be removed except XXXX XXXX & XXXX XXXX XXXX. Any other names like XXXX or XXXX or last name being spelled wrong was suppose to come off my file. I'm hoping to get all this fixed up on credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent accounts were identified and disputed with the proper documents and they didn't remover the accounts per the law ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.