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

XX/XX/XXXX - Set up auto payment for my new car lease with GM Financial. 
XX/XX/XXXX - Called GM Financial 's customer service since the auto payment did not go through and I had a late change. Paid the late change and had the fee waived. GM Financial 's customer service representative walked me through setting up auto payment online and provided the wrong amount ( - {$10.00} less than my actual payment ) since we was looking at the total amount with the " fee waived '' applied. 
XX/XX/XXXX- XX/XX/XXXX- GM Financial 's auto payment was pulling monthly payments from my account for - {$10.00} less than what was owed. With fee 's it looked like my typical amount, I did NOT receive any form of communication that this was inaccurate or that the full amount was not being paid. 
XX/XX/XXXX - GM Financial 's auto payment automatically disabled due to {$40.00} threshold activated for a " delinquent payment ''. 
XX/XX/XXXX - I was notified through my credit report that my credit report had dropped a " significant amount '' which is why they contacted me. When I inquired they said that GM Financial had listed it as delinquent. I reached out and GM Financial 's customer service told me that it was due to an error in Auto Payment feature and to file a dispute with XXXX and have them contact GM Financial where they would confirm the issue. I filed a dispute. The dispute came back and they said they do not reach out to financial institutions and that GM would have to contact them directly. 

I am now reaching out to CFPB in order to have this resolved since both institutions are communicate with each other to remove the delinquency. This was in error of GM Financial setting up the wrong payment amount leading to the auto payment being shut off and I do not believe it should impact my credit score. 

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

XXXX XXXX, 2021 I have noticed problems regarding the accounts and personal information listed below on XX/XX/2021. I have contracted the credit union and creditors and have yet to receive any response. I ask that these accounts and information listed be removed immediately as per FCRA and FTC law 15 USC 1681 ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of the Nationally Equifax Security Breach, I am writing to dispute the following hard inquiries on my credit report. Please remove these inquiries from my credit report, as they are not valid. XXXX [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX XXXX [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. I do not recognize these inquiries and did not authorize them. Please investigate these inquiries and provide me with any information you have about them. If you are unable to provide evidence that I authorized these inquiries, please remove them from my credit report. I am including the FTC reports. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

On XXXX, I spoke with XXXX XXXX of The Wells Fargo Executive Office Case Specialist Office and she informed me that she was speaking to The Bankruptcy Team in regards to a Court Modification. I am concerned about this process because Wells Fargo refuses to adhere to agreement to Modify my home immediately without Trial Payments and remove the total arrearage payments for the years XXXX. This is Obvious Discrimination. Why am I regulated to Bankruptcy and continued destroyed Credit which has been the case for over 10 years when Wells Fargo did not honor it's agreement. My loan is also PREDATORY and The original closing Documents from XXXX XXXX XXXX  XXXX which clearly demonstrates I was not in Foreclosure is evident and dated... Americas Service Company a subsidiary of Wells Fargo had this information all along and ignored the facts when they placed me in Foreclosure. As a result, Wells Fargo knew years ago. Yet, Wells Fargo refuses to rectify the situation. I am in the process of submitting the required retainer to obtain a Law Firm who is Finally able to assist with attaching my case to several Class Action Law Suits and obtaining the services of The Justice Department Finally.. I will upload The Stamped XXXX Letter proving my claim this Afternoon.
Product: Mortgage

On XX/XX/XXXX, XXXX XXXX, lender at XXXX XXXX XXXX ran my credit via XXXX XXXX so he could pre-approve me for a conventional loan. He reported to me that it was showing no credit on my account and he was having issues. When checking my credit score, I noticed, on XX/XX/XXXX, my credit score dropped XXXX points. There were no other changes that had happened on my account that would have affected my score. I notified the lender about the credit change on XX/XX/XXXX and he still reported that I had no credit in the system. On XX/XX/XXXX I asked him to reverse the pull. He denied my request. I believe his company did something that drastically dropped my score. I believe this is an error. I am an informed consumer that checks my credit weekly and my credit score was XXXX according to other lenders and XXXX prior to this occurrence according to Experian through XXXX. Lastly, my credit. checks were supposed to fall off after 120 days. On my credit report, it says they will fall off after XXXX. This is an error. Please help me fix this error and report this company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, Opened XXXX {$220.00} CREDIT COLLECTION SERVIC Opened XXXX {$140.00} Debts reappear after removal under different names and either bought out by another creditor company
Product: Credit card

Tried to dispute a credit card balance on my credit the balance is not correct and says its been charged off also wrong dates are shown Comenity capital bank {$570.00} Disputed XX/XX/year>XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my disputed of accounts in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Reinvestigate these reported accounts and repaired it in my personal file : XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$11000.00}
Product: Student loan

I requested a forbearance from Firstmark Services, the servicer for my XXXX private student loan, in XX/XX/XXXX because of financial hardship due to reduced work schedule and childcare needs during Covid 19. I was told I would receive communication from the company informing me whether I qualified for a forbearance. I received no such communication, by electronic or paper means. There is no forbearance or deferment application available on their website -- calling the company is the only way to receive an application. 

I made a payment of {$550.00} on XX/XX/XXXX, but was unable to continue payments for the following months for the reasons stated above. On XX/XX/XXXX, I called FirstMark to again request information about forbearance. I was told I qualified to apply for forbearance and would receive an application by email, which I would need to return by XX/XX/XXXX to avoid negative credit reporting. I received no application. On XX/XX/XXXX, I called FirstMark again to request a forbearance application and was told a rush request was placed and that I would receive a forbearance application in my email by XXXX central time on XX/XX/XXXX. I received no application or other communication from them. 

As a result of FirstMark 's delay, negative information will be added to my credit report. I understand the responsibility for paying my loans, did so when financially able, and intend to do so when I am again able, which will likely be XX/XX/XXXX. I am waiting to start a new job, information I shared with FirstMark. However, while I am waiting for this new opportunity to start, FirstMark is obstructing my ability to take reasonable temporary measures to protect my financial health, all in the midst of a pandemic. To add insult to injury, FirstMark has started calling my former employer in an attempt to collect this debt, completely ignoring the fact that I have been trying to resolve the issue with them through established channels and that the account remains delinquent in part as a result of their own inaction and borrower unfriendly processes. 

Please note that the only way to email FirstMark services from their website is to fill out a form that leaves no paper trail on the borrower 's end. Thus, I have no documentation to submit supporting this claim. Presumably FirstMark has records, which I can only hope will be accurate and which I can only hope they will be willing to share if needed.
Product: Credit reporting or other personal consumer reports

I am formally disputing XXXX collection accounts with XXXX XXXX XXXX XXXX original creditor ( XXXX XXXX XXXX ) that has been verified on my credit report. Under the Metro 2 compliance guidelines and the Fair Credit Reporting Act ( FCRA ), all data furnishers must ensure complete and accurate reporting. Upon reviewing the information provided, I have identified potential violations of Metro 2 standards and demand an immediate reinvestigation. 

Per the Consumer Data Industry Association ( CDIA ) guidelines, all reported information must be in compliance with the Metro 2 format, including the correct fields for account classification, payment history, and compliance condition codes. I request verification that the furnisher has adhered to these reporting requirements, including : A complete and accurate E-OSCAR AUDIT TRAIL showing the furnishers verification process. 
The signed contract or original agreement proving I authorized this debt. 
Compliance with XXXX XXXX ( XXXX XXXX XXXX ) and accurate reporting of the accounts status.

If Experian, Equifax or TransUnion or the data furnisher can not validate this account per Metro 2 standards, it must be immediately deleted from my credit report under FCRA 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$260.00} {$260.00} {$300.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 90 Days Late 60 Days Late 30 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
**CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Closed or paid account/XXXX balance Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX OK OK XXXX XXXX XXXX OK OK XXXX OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Vehicle loan or lease

I purchased a Nissan  XXXX XXXX in XXXX and in XX/XX/XXXX the car stopped out of nowhere. I had the car towed to Nissan in XXXX and they informed me that the car needed a new engine and it was covered under my warranty. It was about 2 weeks before I got my vehicle so they loaned me a vehicle in the interim. The following week they stated I could come pick up my vehicle. 

I get a few blocks at a local car wash as they left my car dirty and as I am in line my car starts smoking and there's fluid all over the ground. In trying not to pay for another tow, I drive my vehicle in limp mode back to the dealership for them to tell me that coolant was leaking all over the engine because they didn't put the cap on tight enough, but they wiped it down and it was good, so I left that day with the car, the next day after going to buy my tabs, the car wasnt turning over and was lagging so I brought it back to the dealership for the third time and they stated my alternator and battery was out so I got placed in another loaner car. 

About a week later they contacted me the car was fixed, but at this point I didnt feel safe especially a single mother with XXXX small XXXX. I initated the Lemon Law and started that process. In the midst of that process, they were harrassing me to give the loaner car back and i didnt feel safe driving the car they cant seem to fix. They stated they could call the police on me and report the car as stolen if I dont return it. So I against my will, returned the loaner car in great condition and they returned my car filthy. 

And as im working with the Nissan Arbitrator for the replacement vehicle they make me give all this information over and after weeks, they say im approved and they are sending the check to pay off my current vehicle, but before I can pick up my new car ( thats approved ) I have to wait an additional 2-3 weeks for them to have XXXX a third party vendor to pick up my car before they will pay off the old car. Now as im driving the current car its starting to have starter issues again. This isnt right.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts have been added to my credit report without my authorization. Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), I provided the credit bureaus with an FTC Identity Theft Report ( # XXXX ), which legally requires them to block and remove these fraudulent accounts from my credit file. 

Despite submitting my dispute with supporting documents, the credit bureau has failed to properly investigate and remove these fraudulent accounts within the 30-day period mandated by 15 U.S.C. 1681i. These fraudulent accounts are negatively affecting my credit score and financial well-being. 

The following accounts were fraudulently opened and reported under my name : XXXX  XXXX XXXX Account # XXXX Amount : {$1100.00} XXXX XXXX XXXX Account # XXXX Amount : {$490.00} XXXX XXXX XXXX Account # XXXX Amount : {$1000.00} XXXX  XXXX XXXX Account # XXXX Amount : {$22.00} XXXX XXXX Account # XXXX Amount : {$2700.00} The credit bureaus are violating the FCRA ( 15 U.S.C. 1681c-2, 1681i ( a ) ( 5 ) ( D ), and 1681s-2 ( a ) ( 6 ) ), which require them to : Block and delete fraudulent information upon receiving my identity theft report ( 15 U.S.C. 1681c-2 ) Notify other credit bureaus of the deletions to prevent reinsertion ( 15 U.S.C. 1681i ( a ) ( 5 ) ( D ) ) Prevent creditors from continuing to report fraudulent accounts ( 15 U.S.C. 1681s-2 ( a ) ( 6 ) ) I am requesting an immediate correction of my credit report and the removal of these fraudulent accounts. I demand that the credit bureau comply with the FCRA and delete this information from my file immediately.
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Equifax Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with may signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Federal Law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not cloase this complaint stating it is not me. I am a natural person and a consumer.
Product: Debt collection

I have had a XXXX XXXX  XXXX account which is not using for more than XXXX  years. I have used that card just XXXX time, buying something on-line with amount of {$100.00} the amount that I paid full within XXXX weeks. I never never used anymore the card. 
Without any notification I received a mail 2 days ago that notified me that I owed {$340.00} then they put me on collection. 
Could you, please, make your verifications, research, and fix the problem. I can not handle this issue. Let me confirm XXXX more time I never, ever, never used the card. 

Thanks and Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've sent several letters to the credit bureaus asking them to update my current mailing address and to remove all outdated and or fraudulent mailing addresses from my consumer credit files. To date, they have refused to correct his information which has caused significant damage to my ability to maintain or obtain credit. I've also asked them to update my employment and remove my previous employer information from my credit file. As of this complaint they have not complied with the request to provide me with a 100 % accurate credit file as stated by the FCRA.
Product: Checking or savings account

On XX/XX/2024, I deposited a payroll check via mobile deposit in the amount of {$2600.00} in my checking account. I was informed that my funds would not be available until XX/XX/2024. I attempted to call the bank and I spoke with a manager, the manager stated because I opened the account on XX/XX/2024, he can not release my funds. I explained, I have had multiple deposits from that time period, including from the same company from which my payroll check had came from ( XXXX XXXX ). The manager stated it doesn't matter its due to the length of how long I have owned my account. There is not one part in their terms and agreements that states due to the length of time from which you opened your account determines eligibility on how long a check is held. Furthermore, it states the funds may be held in the event of a very large deposit, which my check was a not a very large deposit ( over {$5000.00} ). Also, according to the Federal Reserve Guidelines, the first {$220.00} should be available the next business day, while anything between {$220.00} and {$5500.00} should be available within two business days. The Federal Reserve, Regulation CC does not state length of time of an account being opened, however they do state that they must disclose these rules which Capital One has not.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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

Will not delete fake addresses off of my report Ive tried several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Ive mailed dispute to the credit bureaus certified XX/XX/2020 Ion  day 43 days XX/XX/XXXX I mailed out second dispute letter for removal due to no response the deletion process should have been 15 days it is now 15 days and accounts still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request as authorized by the FCRA. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] On XX/XX/2019 Transunion received a letter from a credit consulting company I hired to dispute and update my credit report which the company incorrectly claimed that the payments reported on account XXXX XXXX XXXX  # XXXX were inaccurate although this should have been reported as incorrectly opened due to fraud. After realizing the companys error, I sent in a letter on XX/XX/2019 I disputed the following account XXXX XXXX XXXX  # XXXX as being incorrectly opened due to fraud. 
I received a Transunion letter of investigation and report # XXXX on XX/XX/XXXX, Transunion described that as a result of their investigation results the account was DELETED from my credit report. Subsequently in a letter dated XX/XX/2019, I received a letter that Transunion contacted the creditor and determined that the file has been verified and therefore re-inserted to my credit report.