23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

For the XXXX 2015 payment, I sent a check to GM Financial. Twenty-four days latter the check still was not cashed. I put a stop payment on it with my bank which cost XXXX dollars. 
I then sent out another check to GM Financial. The account is current and five months have passed. After five months, I still see this as outstanding on my credit reports. Like its some type of retaliation by GF Financial.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Email : XXXX Phone : XXXX Experian Information XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website.

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : [ XXXX XXXX XXXX XXXX XXXX XXXX, Texas ] [ XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas ] There should only be one address in my report, which is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling.

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] Additionally, I request the removal of the incorrect employers listed below : [ XXXX XXXX ] [ XXXX ] The only job I need listed is : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report.

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXXXXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXXXXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the XXXX pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXXXXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by [ XXXX XXXX ] about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

This letter is my formal written request for you to investigate the following " Unverified '' accounts listed below : According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below, then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be verified or removed Immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was mailed a Bank of America credit card when I did not apply for it. My credit score was ran without my permission. I tried to call the number on the paperwork sent with the card and they transferred me to the fraud department. They asked for my social. I did not give it to them and they said theres no way to help or close the account. They gave me a wrong address to follow up in person and the closest Bank of America is 45 miles away. I need this account closed! Its not me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without 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 transunion 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. XXXXXXXX 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 n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 5 accounts on my credit report that are not mine they do not belong to me I have not signed used or approved for these accounts this is clearly identity theft and I need this taken care of asap. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX SVCS  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Dear CFPB, I am writing to formally lodge a complaint against Citibank concerning their refusal to reissue a check dated from XXXX. The check, which is valued at approximately {$710.00}, has not been cashed, and I require a reissue to resolve this matter. 

On XX/XX/XXXX, I contacted Citibank to request the reissuance of the check. However, I was informed by a customer service representative & a supervisor that the bank had purged their system of records from that period and could no longer assist me in reissuing the check. ( The check was issued in XXXX. ) This response is unacceptable, as I believe it is within the bank 's responsibility to retain sufficient records and provide customers with the necessary support to resolve such issues. 

This amount is significant, and I urgently need the bank to take action to reissue the check. I kindly request that the CFPB intervene in this matter to ensure that Citibank fulfills its obligations to its customers. 

Please let me know if any further information or documentation is required to facilitate this complaint. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I have tried to link my account with XXXX  in order to use an investment application. And PNC won't allow me to connect XXXX  to my debit card. This is very inconvenient. Please fix
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of an auto loan by XXXX XXXX XXXX XXXX Account ending in ( XXXX ), which has negatively impacted my credit report. I recently submitted a report and the wrong account was adjusted. 

Here are the relevant details of the situation : 1. Loan Details : This was an auto loan for a vehicle that I traded in on XX/XX/year>. The dealership promptly paid off the loan to XXXX XXXX XXXX XXXX on XX/XX/year>, using a check, which I will include in this report. 2. Issue with Reporting : XXXX has been incorrectly reporting a 30-day late payment for this loan. I have been disputing this matter for several months, but XXXX continues to report false information. They have also changed the reporting details several times during this process. As of now, the following incorrect information is being reported on my credit file : First Delinquency Date : XX/XX/year> ( This is inaccurate. ) Date of Last Payment : XX/XX/year> ( This is inaccurate as well. ) Date Closed : XX/XX/year> ( While this is correct, the context is being misrepresented. ) 3. Incorrect Reporting Practices : According to my communication with XXXX, they claim the 30-day late payment is based on when my last payment was made. However, this should be based on my original payment due date, which was not 30 days past due at any time. I believe this reporting is a violation of accurate credit reporting standards. The account was in good standing, and the loan was paid off in full by the dealer within the appropriate time frame. 

Attachments Chartway check.jpg
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in letters on numerous occasions to Transunion and they are still reporting false information on my credit report. I have wrote this company In XXXX, XXXX, XXXX, XXXX and XXXX but that will not take action on the accounts I told them that do not belong to me. I have wrote the collection agency as well.
Product: Vehicle loan or lease

I have been trying to get Hyundai Motor Finance to complete a state title transfer from XXXX to XXXX  since XXXX. When I originally called in, they had me create a state title transfer request on their website. While the site said 6 to 8 weeks, I grew increasingly concerned, as my request continued to sit in the first state of review. 

When I called in XXXX, the representative told me the request I sent had actually got deleted and was never processed. They also told me I would have to start the process over on my end and submit a new request, which I couldn't do, as the original request was still visible on the site and there was no option to create an additional one. 

I call back again in XXXX. This time, I was told that they had actually sent me title out two weeks prior, and I should have received it. I hadn't though, so they said they would ship out a new one. 

I call back in XXXX. This time, I'm told that the person in XXXX must have been mistaken, because the title gets shipped to the DMV and not me. They said they had yet to send it to the DMV but would do so immediately. I also asked at this point in time if they could possibly create an email thread showing the actions they had taken to resolve my transfer. The representative on the phone said they would, but I never received anything. 

I still don't have my title. I'm unable to register my car in my new state. My inspection has also lapsed from my old state, but I can't get that renewed as my license and insurance is from my new state. 

Hyundai Motor Finance 's representatives have lied to me throughout the process. I have no clue if my transfer has even been started. I also have no idea where it will be going to or how I would know if the process has been finished, as they've been unwilling to document any of our conversations or actions taken on their end.
Product: Student loan

On XX/XX/XXXX I made an extra {$2700.00} payment on my student loan account with Mohela. My bank showed this was debited via ACH. Mohela transitioned my account shortly thereafter, and no evidence of my payment was present. I called on 7/18 and a representative told me the payment would post within 5-7 business days. 

I called again on XX/XX/XXXX and after a lengthy hold was hung up on. I called again on XX/XX/XXXX and was told the wait time was now 30 days, with no further explanation. My payment still does not appear on my account, and I don't want to go through Mohela 's support line again just to be given another excuse and no firm evidence of a timeline for my payment to be applied. 

I'd like CFPB to get in touch and have Mohela, XXXX or whoever is holding my money hostage to confirm they have the ACH payment, and just apply my payment to my account like they're supposed to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXXXXXX XXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX # XXXX. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have tried to contact Citibank regarding monies I am owed for NSF fees, overdraft fees, and other fees in which I was charged, causing my account to become overdrawn for such a period of time that the account was closed due to a negative balance. 
The bank has the been involved in class action lawsuits for these very issues and had to refund/issue checks to thousands of customers. 
I am XXXX of those customers and I believe I am owed by Citibank for causing me unnecessary NSF fees, overdraft fees, and ultimately the closure of my checking account, causing me to be unable to open another account at most banks. 
I contacted Citibank multiple times in XXXX, and early XXXX to inquire why I hadn't recieved refunds or credits by them for my account, and they refuse to tell me anything about the account because I can not verify the account number. I do not have this number on anything because my documents were paperless and Citibank refuses to assist me with my account and charges incurred due to their funds availability policies and overdraft fees.
Product: Credit card or prepaid card

I've had capital one card over 2 years, was happy with it. But then coronavirus hit and I haven't put any spend on it in over 6 months. I use it today for the first time and notice I was charged an annual fee yesterday. I called to cancel the card and get my reimbursement XXXX or at least for 11 months since I use it today ). They said it could be cancelled but no prorated fees would be returned. I've heard many other cards give you your money back of your cancel anytime during the year because they can't charge you for what you don't use.
Product: Checking or savings account

I have a saving account with Marcus by Goldman Sachs with XXXX $ on XX/XX/year> I tried to do a transaction to a bank account already linked to my Marcus account the representative said they have to ask some questions which I answered by my best recall, but she said she cant verify mu identity and I have wait for some one to call me back which may take a week!!! on XX/XX/XXXX I called again a question was asked about my phone number and again the same answer that identity cant be verified and despite my request for answer that how process will work and how are they trying to solve the issue was only told that I have to wait another 5 day if some one call me with another way to identify me!!! and now the money is blocked in the hand of them with their quarry kind of business i feel violated and abused by this bank
Product: Credit card

I am writing to formally report deception and lack of disclosure regarding the promotional offer I received from American Express in XX/XX/year>, which has resulted in significant financial implications for my business. 

Upon receiving your promotional materials, I was encouraged to apply for the XXXX XXXX Credit Card, with the explicit representation that by spending {$15000.00} within the first three months, I would qualify for a bonus and enjoy an introductory zero percent APR for the first six months. Trusting these representations, I proceeded to spend {$18000.00} in the first month, only to be confronted shortly thereafter with a minimum payment request of $ XXXX first payment. 

It is important to note that I was under the impression that this credit arrangement would function like a standard revolving credit account, allowing for 1-2 percent of the balance only in the minimum monthly payment. However, I have since come to realize that the terms associated with this card do not align with the typical expectations of a credit card. The failure to disclose critical information regarding the nature of this credit arrangement has resulted in an undue financial burden and has adversely affected my business operations, which I strategically planned based on the assumptions fostered by your promotional communication.

Moreover, I was charged a {$370.00} annual fee immediately upon activation of the account, a cost I would have reconsidered had I been fully informed of the true nature of this credit offering. The lack of transparency regarding these fees and conditions has led to a breach of trust and has caused me to incur expenses that I would not have otherwise accepted. I demand to get a refund of this {$370.00} and compensation for the damage that American Express has done.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Information on my report has been sent without my consent, by law most things on my report should not be on it.
Product: Money transfer, virtual currency, or money service

I have retained an international attorney to represent me regarding the resolution of my parent 's estate. As he is not located in the US, he provided to me his information and requested that the payment be submitted via moneygram. I scheduled a payment of {$1400.00} usd with a transaction fee of XXXX the payment reflected that it successfully processed but when I attempted to sign back into moneygram to obtain the reference number I found that my username and password would no longer work. I contacted Moneygram and was advised that they flagged the transaction as suspicious and revoked my privileges and suspended my account indefinitely. I have used moneygram as a faithful customer for years as most of my family reside in the XXXX. There was no detailed information as to why my account was suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried 3 times with credit reporting agencies and the debt collector to get this removed, I moved out of my apartment in XX/XX/2020. The manager there stated I would lose my deposit, which I agreed to. The pandemic started, the office was closed, I moved into my new place. They even told my new place that I was an excellent tenant for 5 years, paid my rent always on time etc. Then they reported me to a collection agency XXXX XXXX XXXX out of XXXX. They refused to remove the collection. XXXX agreed I did not owe and removed this from my credit. XXXX and Transunion refused to remove. Please help
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

For the past several months, I've been sending certified mail to XXXX and Equifax disputing inaccurate information on my consumer report. They haven't provided me with a proper investigation nor have they provided with the proper documentation. They aren't properly investigating these issues. When i spoke with a representative on the phone, they informed that they are using a software and no LIVE human is reviewing my disputes which is why I'm not getting results. It is their job to review this information, not a computer to do it. I recently mailed them letters, which i will attach below, disputing these inaccuracies along with proof of ID and proof of address. 

XXXX XXXX Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX Tracking Number XXXX XXXX XXXX XXXX XXXX XXXX