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

I completed the lease term on my XXXX  XXXX  this XXXX. 
I have NEVER been late and I settled my end of lease commitments and I closed out my account with a XXXX balance. In XXXX, I received a {$30.00} bill from GMC Financial. I called GMC Financial and they said it was an error and to disregard it. I had XXXX balance. In XXXX, I received an alert from my XXXX  XXXX monitoring with a 30 day derogatory on my credit report. I call GMC Financial again and they said they would correct it. There were notes in the system from my previous calls already. They said they would fax me a letter to confirm and they never did. Again, in XXXX, I received another alert saying I was 60 days late for {$30.00} to XXXX XXXX. I called them again and they confirmed the notes in the system and agreed they were correcting the matter. They said they would fax me a letter and again, they never did. I've called and complained two more times after and finally I received a faxed letter saying I have never been late. See Attached. 

Yesterday, I was denied a my new lease vehicle because of the incorrect late payments reported by GMC Financial. GMC Financial ruined my credit and the ability to buy a new vehicle. The new leasing company is requiring XXXX down payment as a result of these recent late payments. GMC financial has affected my financial livelihood with their negligence and poor customer service. 
This is disheartening.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

I had made a transaction to transfer money of XXXX AED to XXXX over Remitly app. 

But the transaction was cancelled and money was debited from my account on XX/XX/year> But the amount has still not refunded Upon contacting them they said they didn't received money at first place and I also provided them with reference number for this. 

They are not agreeing to refund money
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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 # ( private case number ) as 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email notification at XXXX XX/XX/2023 about a checking account was open under my name from BOA. I tried to contact Bank of American but it is so difficult to put through until after more than 2 hours later, a checking fraud customer service helped me and told me she closed the account and asked me to file fraud alert and identity theft with bureau.

However today, I still kept on receiving email about this new account and just now, I received an email from BOA again to tell me the card was mailed to an Ohio state address. I was frustrated about how BOA take fraud activity at granted and put customer in danger to be fraud victim. 1. When such things happened, it is difficult to report this to them, not convenient to take action b
y customer from app to contact customer service 2. Did not seriously stop any process immediately for the fraud account.
Product: Student loan

I am the co-signer on my granddaughter 's student loan and Citizens Bank has ruined my credit rating listing 2 delinquent payments. The loan is being paid but I understand she has 15 years after graduation to pay off the loan and she graduated in 2014.
Product: Credit reporting or other personal consumer reports

XXXX, I believe someone has requested my credit file without my knowledge
Product: Credit reporting or other personal consumer reports

These hard inquieres are fraudulent and doesn't belong to me and need to be removed. Also the nest as well. Thank you. 

TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Hard Inquiries were made Frauduletly I do not recognize them, Please remove them from my creddit report. Thank you.
Product: Credit reporting or other personal consumer reports

It seems that FCRA 605B requires the deletion of any incorrect accounts from my credit report. Would you mind checking the documents? There are inaccuracies in the listed accounts, such as wrong amounts and dates.
Product: Student loan

I am currently enrolled in a 12 month " rate reduction plan '' with Navient. I had started this payment plan in XX/XX/XXXX. The 12 month plan has not ended yet, as of XX/XX/XXXX my AUTOMATIC PAYMENT was NOT processed and now Navient has sent a notice of late payment and has advised that a late fee will be issued. I have raised this issue with Attorney General XXXX Office. Navient must take responsibility for their injustice actions once again. This showcases their harmful practices! My loans and account are always being mishandled which forces me to take action at every turn! This needs to be RESOLVED IMMEDIATELY! I can not afford for them to INCORRECTLY REPORT ME TO THE CREDIT BUREAU AGAIN!
Product: Mortgage

since XX/XX/2020 i been fighting this mortgage to be removed from my credit report and they refused this mortgage do not belong to me. please see attached policy report
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries are on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a account and the results was that it was deleted off my credit report, but it is still on my credit report. I want it to be removed soon as possible
Product: Debt collection

I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.
Product: Credit card or prepaid card

I had credit with Syncb /Ashley . I had this card paid off as I was paying they were losing my credit limit. Now I was not using the card I had no plans to use this card. I didn't want to close the card because I know closing cards lower your credit rating. This co. Closed the card.Then I received notice it was closed. This has caused my score to drop. This co was full aware this would happen. They are by far the worse co. I have ever seen. This is very unfair I have worked on my credit a long time trying my best. What can be done?? 
Thank you XXXX XXXX
Product: Student loan

Disputing Private Student loan charges. 

At XX/XX/XXXX XXXX I borrowed {$20000.00} and {$26000.00} respectively. I was in school  until XX/XX/XXXX, and started working in XX/XX/XXXX and started paying off my loan at around {$400.00} + ( Totaling {$6300.00} ). 

I decided to refinance my loan for lower payment plan and realize my loan is currently {$75000.00} from {$46000.00} even though I have tried making payment right on getting on my feet. 

I have requested the full activity on the account, to get it professionally reviewed and disputed charges, refinance and a plan to pay off loan. Since this current plan will never allow me to pay off my loan. 

Requested full activity on loan account has still not been given to me. 

This is the information of the lender : Zuntafi XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX. 

Account Manager : XXXX XXXX Phone : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a complaint against Equifax for reporting inaccurate information on my credit report. They are reporting a bankruptcy that is inaccurate. When I contacted the Bankruptcy court listed on my credit file I was told " Bankruptcy Courts has no jurisdiction over credit reporting agencies and does not report to any of the agencies. The bankruptcy petition, schedules, and other documents are public records. Credit reporting agencies regularly collect information from cases filed and report the information on their credit reporting services. '' The Fair Credit Reporting Act ( FCRA ) which is a federal law regulates credit reporting agencies like XXXX XXXX from which Equifax has got this information from and compels you to insure the information you gather and distribute is a fair and accurate summary of a consumers credit history. Under the FCRA you must investigate inaccurate, outdated, and unfair items on a consumers credit report. Doing further research on my part XXXX XXXX perhaps get Public Record information from Public Access to Court Electronic Records ( PACER ). This however is not sufficient legal proof under the FCRA. The best way to do that would be for my social security number and date of birth to match yours, but its impossible because of Rule 9037 of the Federal Bankruptcy Rules. Rule 9037 addresses privacy and security concerns arising from filing documents, whether electronically or in paper format, in a bankruptcy case. Specifically, Rule 9037 requires the redaction of specific personal identification information ( i.e., Social Security and taxpayer identification numbers, names of minor children, financial account numbers, and dates of birth ) from unsealed documents filed with the court, as well as other private or sensitive information identified by the court for cause. To address the privacy concerns resulting from public access to electronic case files, Federal Rule of Bankruptcy Procedure 9037 requires that certain personal identification information be redacted from documents filed with the court. Filings that contain an individuals social security number, tax payer identification number or birth date, the name of a minor, or a financial account number may include only : The last four digits of the social security number and tax identification number, the year of the individuals birth, the minors initials and the last four digits of the financial account number. This makes it impossible for you to say with certainty that the Bankruptcy is in fact belong to me. I demand you to remove this bankruptcy since you are willfully and knowingly providing false information and therefore are in violation of the Fair Credit Reporting Act. Per Federal Law you have 30 days to remove this bankruptcy from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am utterly confused for what is happening. I've submitted this complaint 3 times & CFPB & TRANSUNION are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, This is so disgusting! The account listed below was opened due to identity theft. I've provided you ( CFPB ) & TRANSUNION with an affidavit & FTC fraudulent report to support my position. It seems TRANSUNION is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like this account blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I didn't apply for anything from the following companies and the hard inquiries need to be removed from my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

After numerous attempts to get verification about these fraudulent accounts from the three credit bureaus XXXX, XXXX, and XXXX I have never received any response back as yet. These accounts do not belong to me as follows : 1.Medical data systems acct # XXXX 2XXXX XXXX  service acct # XXXX 3.XXXX XXXX XXXX acctXXXX*** 4.XXXX XXXX XXXX acct XXXX XXXXacct # XXXX 5. XXXX   XXXX/XXXX acct # XXXX 6. XXXX XXXX XXXX XXXX acct # XXXX
Product: Credit card

I have an argument with Bank Of America ( BOA ) on payment crediting date on their credit cards. 

The situation is very simple. I have an XXXX credit card with BOA. A transaction of {$32.00} was posted on XX/XX/2017. Around XXXX PST XX/XX/2017, I submitted a payment of {$32.00} on BOA online banking website. Coincidentally, the statement date for my XXXX credit card is XX/XX/XXXX. So I would expect the statement balance to be XXXX because the {$32.00} was submitted XXXX PST on that day. However, this is not the case after I see what BOA online banking shows today ( XX/XX/XXXX ). The statement balance is {$32.00}. So I called BOA about the problem. After I was transferred to the right person, he was trying to explain that credit card balance will not be updated until the payment is completely processed, which I agree. However, statement balance should be XXXX after the payment is submitted before the cutoff time. I do n't care how much time BOA is working with XXXX to get money electronically as a customer. So my call with BOA ended up being very unhappy for both sides. In my case, this is about statement balance and statement date. What if it is payment due date? Would I be assessed interests if yesterday were the payment due date and I made payment that day XXXX PST? This is not fair for statement balance because that is what interests are calculated from. 

Currently I am holding around XXXX credit cards with different issuers, including XXXX, XXXX, XXXX and XXXX. All these issuers will take the last day payment into account for calculating statement balance even if I make a payment on Saturday, as long as the payment submission time is before the payment cutoff time. I do believe that BOA 's behavior is kind of predatory on customers because it accounts for additional time over which customers have no control. 

I would kindly ask BOA to correct the statement balance to XXXX and report an update of statement balance to all the credit bureaus.Otherwise I would prefer to end the credit card relationships with BOA for its predatory behaviors.
Product: Debt collection

In XX/XX/2023 I discovered an account on my credit profile from the credit Cherry Technologies, I then contacted Cherry and opened an dispute explaining XXXX XXXX were never provided therefore charges were invalid. Since then I have sent numerous emails and made phone correspondence with Cherry Technologies requesting the information be correct on my credit profile with XXXX, XXXX, and XXXX as soon as possible. To no avail - I have even offered to pay for deletion of this negative account and have no received a response. Cherry continues to report the negative account on my credit profile monthly without satisfying the burden of proof that services were rendered. 

The Fair Credit Reporting Act ( FCRA ) is the primary federal law that regulates the accuracy of information on credit reports. Under the FCRA, creditors are required to report accurate information to credit bureaus and to correct any inaccuracies promptly upon notification. Additionally, consumers have the right to dispute inaccurate information on their credit reports and have it investigated and corrected by the credit reporting agencies. Failure to comply with the FCRA 's requirements can result in penalties for creditors.
Product: Checking or savings account

XX/XX/XXXX I went to the Huntington bank location in XXXX XXXX Michigan. I used the atm to deposit {$320.00}. Two {$100.00} bills and 6 {$20.00} bills. The atm said it couldnt read my money and it was returning it to me. The money never came out of the machine. The atm then said Your cash was not taken in time. 
To protect your accounts, I've pulled your cash back in. 
Contact your financial institution. 

Ive contacted the bank twice to no avail. I have a video of the atm not sending my money back and the message on the screen.
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 XXXX has me at a score around XXXX. 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 n 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 XXXX 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 XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Product: Student loan

I contacted you guys about this a few years ago because I was struggling to pay the loan because Sallie Mae/Navient put my loan at an 11.9 % interest rate and I couldnt afford the payment. They put me on a rate reduction program after you contacted them. Now we are back at the same cross roads. They are trying to increase my interest rate back up. I spoke with them gave them all of my financial information and still they said I dont qualify for the program because Ive been on it for so long. And according to their calculations I have {$260.00} extra a month so I can give them the {$210.00}. I explained I have a daughter, how am I supposed to give them all of my money? What if theres an emergency and I dont have anything extra? The representative was adamant about saying well its ONLY {$50.00} more, only {$50.00} when sometimes your checking account is overdrawn isnt really an option for me. Every 6months they have me call in to give them financial information and every call theyve pushed the payment back up. I am back up to repaying them over {$17000.00} on a loan that has {$11000.00} and change. How is that fair?? Ive never missed a payment, I was actually ahead two payments and they told me I didnt qualify because of that and I would have to call back - how is that right? If someone is one time and ahead, you see that theyre making a good faith effort and you tell them unless youve defaulted or your two payments ahead run out you dont qualify?? I need your help again. I was fine making {$170.00} in payments. Because according to their computers I have extra money they feel its okay to just give it all to them. My extra money is pennies and I really dont have it. My account today is negative so where is the extra money?? Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX fraudulent activities on my credit report. I several hard inquires on my credit report that does not belong to me. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Have sent out multiple validation letters to XXXX XXXX have not heard anything back then they call and harass even after telling them to stop.