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

I have finance my vehicle with GM FINANCIAL for over a year almost a year and a half and have had trouble getting it reported to XXXX even though they say its being reported. I have called numerous times to GM AND XXXX only to be told an investigation will be opened to correct the matter its been almost 2 years and its still not showing even though it reports to XXXX  and XXXX. This is not helping my credit when I have a car loan that Im paying on time every month and have not gotten credit for it and it looks like I dont even have a car loan with XXXX. I have offered to send my payment information my loan information and XXXX refuses to take it from me stating it has to come from GM Financial. When I reach out to them they say they have sent the information and up until now I have gotten nowhere. Please help me get my loan reported accurately on my XXXX   report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. XXXX days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Product: Credit card

I recieved a notification in an email to check my messages with my Macy 's XXXX XXXX Account. I logged into my account on my laptop and found one notification, and it simply said, " Account Closed ''. I recieved no warning from Macy 's whatsoever that I needed to utilize my account, I had not been able to aford to use the account since I stopped working due to extreme illnesses : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX, and XXXX XXXX, a XXXX on my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had a XXXX in XXXX and often forget things like using a credit card I don't have money to use, but had I gotten a warning, I would have put something on the credit card to avoid my account being closed, ultimately resulting in damaging my credit score. I see many specialists here where I live, it's all I can do to remember to take all XXXX of my medications, let alone make a purchase on my Macy 's account. I feel it is extremely unfair that I wasn't warned first. Thank you.
Product: Checking or savings account

On XX/XX/XXXX, I received a notification from Sofi Bank through my online app that my account was restricted, so please contact them. 
I immediately called them and they responded that my account was under investigation to be closed and that after it was closed I would receive a check in 7 to 10 days for the amount I have in those accounts, we are talking about more than XXXX XXXXXXXX XXXX 
Every day I call to see if they have closed the account and every day I get the same answer. ( that the account is under investigation for closure and that I will receive a check 7 to 10 days after the account is closed. 
I need that they remove the restriction and my account, reopen the account to access to my money from my savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there to whom it may concern, This is the last formal complaint I will be filing In Accordance with the fair credit reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentially under 15 USC 1681. 



I have reached out to XXXX, XXXX, and Equifax to re-investigate accounts thoroughly. However, They stated everything was complete and accurate. After looking over my report again no changes have been made and i still see innacurate accounts on my report. i am beginning to wonder how did they look and investigate anything if open dates, last activities dates and much more incorrect informations from all reports are seeming to still be different and inaccurate. I am a real person and I would like to see full proof of items coming back being verified as me being the consumer. 

Section 609 ( a ) ( I ) ( A ), states you are required by federal law to verify, through the physical verification of the original signed consumer contract. Any and all accounts that you post on a credit report.

For example copy of my actual signature of me signing and copy of photo ID The date and actual copy of me owning these accounts or any collections you guys are reporting on my account. You cant just say you investigating and not provide proof on how you guys came to that resolution. I would like a mailed copy myself and not just a receipt of debt collection this is not proof. Its unfair and has tremendously effected me on the process of becoming a new home owner. This is grounds for a proper investigation and According to 15 USC 1681i ( 5 ) they are suppose to remove any accounts that isnt reporting correctly as-well. Otherwise anyone can claim paying for your reporting services can mail, fax or email fraudulent accounts with you credit bureaus. 

I have highlighted the same accounts they said they investigated. How was this investigated if nothing has changed and you can still see discrepancies such as collection accounts showing as open and reporting missed payments? grounds for removal by law! please delete and remove or i will file a suit with all the evidence i have of you guys not investigating properly. I know my rights and would appreciate if you guys looked into this matter quickly and properly Delete accounts unless you want to be held {$1000.00} per violation I have highlighted all errors. 

Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case as i have kept everything from updates reports from prior months. You have 14 days to get back to me or i will file a suit on this matter. 


XXXX XXXX XXXX Account Number : XXXX Remove XXXX XXXX XXXX Account Number : XXXX Remove XXXX XXXX XXXX Account Number : XXXX Remove XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Remove XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX. 

Thanks very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

Sincerely yours, _________________________________________ XXXX XXXX
Product: Money transfer, virtual currency, or money service

There was a fraudulent transfer of {$9800.00} from my paypal account that is linked to my personal checking account. The transaction was to XXXX XXXX and the email listed is XXXX. I don't know this person and didn't authorize this. 

I reported this to paypal and my bank immediately. Paypal investigated and said it was legit. It's not- this is fraud. I have no idea who this person is!
Product: Credit reporting

XXXX XXXX recently submitted a negative remark on my credit history with Equifax. I had PMI ( private mortgage insurance ) on my property and the amount they say I owe them should be XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I write to inform you of a serious matter concerning our previous interactions. Specifically, I believe there has been a violation of the Fair Credit Reporting Act ( FCRA ) as it pertains to the handling of my account. 

I have documented these concerns in a formal complaint, which I have sent via USPS mail. Please note that this communication serves as an official notice of my intent to file a lawsuit if the situation is not addressed in a timely and satisfactory manner. 

I expect to be contacted by your legal counsel or appointed representative in the shortest possible time. Please do not respond with the standard 'verified ' or 'accurate account ' rhetoric which seems to be commonplace in such circumstances. Instead, I am requesting for your full attention, responsibility, and prompt action in this matter. 

I hope that this can be resolved amicably and promptly, without necessitating further legal action. However, rest assured that I am prepared to protect my rights under the law. 

Please treat this matter with the seriousness it deserves. I look forward to hearing from your legal representative soon.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on ENHANCED RECOVERY COMPAN ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a request to the CFPB to have TransUnion properly address my account due to some things being incomplete and not accurate. After TransUnion reviewed my accounts, those same accounts were still on my profile as verified and accurate. According to the FCRA, 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. On XX/XX/XXXX, I sent a letter to TransUnion demanding that they delete accounts from my report due to the information not being accurate. I also highlighted the erroneous information on my report. which shows the active dates all being reported differently by each bureau. These accounts XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX  XXXX # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, are not complete and accurate due to the Date of last Active being reported differently by other bureaus. How could this be when the accounts appear to be furnished by the same creditor? Also, according to 15 USC 1681s-2 ( a ) & ( b ), A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Please see attachments.
Product: Credit card

Hello. I want to open a dispute for the {$1500.00} charge from XXXX XXXX on XX/XX/23. 
On XX/XX/23 I booked a ticket on this website XXXX for {$1000.00}. Im attaching a copy of the email confirmation showing this final total. 
A few minutes later I called in to get my airline confirmation code, and I was told this : outgoing flight has been confirmed but returning flight not. So I asked them to cancel and refund in full and they told me they cant. And they gave me 2 options. 1 : they can give me a refund for return flight only and only for {$190.00}, or I can pay them another {$500.00} and they will confirm my return flight. I pleated and begged and cried to them not to do this, I told them that I want to cancel and be refunded in full, but they did not allow and forced me and charged me {$1500.00}. 
I also told them at the time that I CAN GET this same ticked on other sites for {$1300.00} and Im willing to okay up to that amount but not {$1500.00}, and again no luck with them. 
Therefore, I want to dispute this charge, really I wanted to dispute the full {$500.00}, but Im ready to dispute just {$200.00} to reach a total of {$1300.00} ( the real ticket amount- see attached ). 
Please call or email me with any questions. 
XXXX XXXX XXXX chase Is not accepting this dispute and is siding with the merchant that called and threatened me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I had to re-dispute wrong information with XXXX, that was placed on my credit report regarding a car loan I had, through a company by the name of Global Lending Serviceseven sending them a letter from Global Lending, showing proof that it was paid off. Global Lending reported that I was 30 days late on my car payment, which was incorrect. I traded the vehicle in before I reached the 30 day mark, yet they never updated it in their system. I first contacted XXXX, XXXX, XXXX, and the lender Global on XX/XX/XXXX, upon seeing they reported incorrect information on all three of my credit files, which also drastically dropped my credit scores. Upon a completed investigation, XXXX and XXXX concluded my complaint was true/valid, and updated both credit filesremoving the 30 day late report from Global Lending, to on-time payments. While XXXX concluded that the lender said the 30 day late remark was accurate, leaving the derogatory/false reporting on my report. While checking the status of my dispute on my XXXX  credit file, I noticed that not only the remark I had disputed was still on my report, but a second late remark was added to my XXXX   report from Global Lending on XX/XX/XXXX. Although on all three credit reports, it now shows that my old car loan with Global Lending is paid off and closed, also shows the finance company ( XXXX XXXX XXXX ), for my new vehicle has been added. So I have no understanding why XXXX or Global Lending is still reporting late payments on my old car loan. I even called to speak with both companies and was rudely brushed off by XXXX and told they couldnt do anything because Global Lending reported the late payments as being accurate, yet Global Lending insisted everything is updated in their system, even sent me a letter. Being that the other two credit bureaus found the 30 day late report to be inaccurate, not allowing another late payment to be placed on my credit report, it seems XXXX isnt following proper protocol, adding false information to my credit report.
Product: Debt collection

Eastern Account Systems ( Collector ) claims that I owe a debt from a medical office back in XXXX from XXXX XXXX. I did not recognize the debt so I issued credit bureau disputes of the debt and the credit bureaus ( XXXX, XXXX, and XXXX ) and they reported after 6 months of disputing as " verified as accurate '' with no proof it was actually validated ( I understand they won't disclose how they verify it ). I took it one step further and had a consumer representation firm contact Eastern Account Systems. Upon further discovery, the company had disclosed on a recorded line that when they received the first request for debt validation in XX/XX/XXXX they had not received the verification of the debt until XX/XX/XXXX ( 9 months later! ). This is a gross moral and legal injustice as they continued to report to my credit reports that they had verified the debt as accurate and per FDCPA guidelines they have only 30 days from the initial request for validation ( XX/XX/XXXX ). So not only did they breach the 30 day mark, it took them roughly 270 days to actually verify the debt. I have even gone one step further and reached out to Vice President XXXX XXXX regarding this issue and it has fallen on dead hands. This company is disgusting in their actions and have ruined my chances at getting proper credit representation which I hold very highly. I pray for this company to dissolved and discredited in all of their actions. Absolutely terrible functionality and arguably illegal.
Product: Credit reporting

There are multiple entries on my credit report file that belong to my father, whom shares the same name with me. I would like the issue resolved as soon as possible, as to amend this situation. The incorrect entries are the following in the document attached : Reference Number : XXXX Reference Number : XXXX Case/Docket # XXXX I have never filed for bankruptcy, nor approved of any filing of bankruptcy on my behalf. Furthermore, the lease taken out for occupation at XXXX was not, and could not have been done on my behalf at the time as I did n't have a credit score or history ath the time of the lease. Again, as my father and I share the same name, it appears there was a clerical error in entering it on both of our credit histories.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting this account with a past due balance. They have last reported in XXXX of 2019. The fact of the matter is that XXXX XXXX  no longer owns this debt and I was unable to settle this debt with them. They are however still reporting this debt as an amount owed to them. This is illegal and it's a direct violation of the Fair Credit Reporting Act. I want them to remove any and all reporting from my credit reports.
Product: Mortgage

In 2015 Wells Fargo did what they called a loan modification on my mortgage. They basically re-modified our mortgage and took any escrow that we had and started our loan amount to the original loan amount after 9 years of making payments on time and not missing any. They never truly explained what they did, and being a first time home owner we accepted what they did. Something about the whole thing just didnt seem right, but what can you do when you are in fear of losing your home? I believe that we have been taken advantage of due to the fact that we had no idea of whatever process they presented to us.
Product: Mortgage

My home has appreciated in value, both due to improvements I've made and the market. I want to remove PMI, and CMG Financial is ignoring my request. I believe it to be a stall tactic- it is in their benefit if the real estate market goes down, negatively effecting my XXXX ratio. 

I sent in the request XX/XX/XXXX. They asked for 30 days to review the request. I've followed up twice after the 30 days passed to no avail.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my phone was stolen and the thieves unlocked the device and used Zelle to send payments from the phone. {$1200.00} from XXXX XXXX XXXX XXXXXXXX Account and XXXX XXXX XXXX  {$1500.00} each from my XXXX XXXX Account on XX/XX/XXXX. Late in the day on XX/XX/XXXX, I was able to regain control of the stolen phone and secure my accounts. I filed a legal action against the thief with the attorney general of XXXX, XXXX on XX/XX/XXXX. 

I reported these fraudulent transactions to Zelle and initiated claims fore revelry of funds. Zelle immediately rejected both claims. I refiled the claims and then made sure they had the police report of the stolen device and zelle has rejected the claim again. 

With XXXX XXXX XXXXXXXX I had used Zelle on a very limited based on the past but it had been years since the last transaction. With XXXX XXXX I had never used Zelle nor had I authorized Zelle to withdraw funds from my account. 

I believe Zelle should be filling under their insurance to cover these losses as the device was stolen and reported as such ot the authorities.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that I had XXXX late payments on an account I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information in the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside the complaint in on dates of XX/XX/XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as the should be due to the fact I was never late. Thanks! Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry from jc penny/ Synchrony Bank XXXX I sent them letters by mail and called them XX/XX/2022, XXXX, XXXX, XX/XX/2022, XX/XX/2022 and XX/XX/2022 each time filed with thier XXXX department about this hard inquiry on my credit report and they keep telling me it will be removed and they have sent reports to XX/XX/XXXXto remove it. XXXX said they have no reports from them to remove it and I need to contact jc penny to have it removed. I have done this over and over for 6 months. Also sent certified letters to XX/XX/XXXX, that the post office has receipt and proof they received but XXXX reps say nothing is in the system. Apparently they lost the letters after the received them. XXXX also says they can't prove it was me sending the certified letters, even though the letters included copy of my driver ID, copy of my Social security card, copy of my birth certificate and included other personal information.