23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Ally Financial for erroneously reporting a late payment on my credit report, which has significantly impacted my credit score. 
On XX/XX/year>, I contacted Ally Financial to request a payment extension due to a hardship. I was informed by a customer service representative that I was granted an extension, under which I would need to pay {$270.00} by my due date of XX/XX/year>, to avoid any late fees and to keep my account in good standing. Additionally, I was told I would need to pay {$160.00} by XX/XX/year>. I agreed to these terms, and the representative confirmed that everything was in order. 
In accordance with this agreement, I made a payment of {$250.00} on XX/XX/year>, and an additional payment of {$30.00} on XX/XX/year>, fulfilling the payment requirements as discussed. However, on XX/XX/year>, my credit report was flagged by Ally Financial, showing a 30-day late payment of {$160.00}. 
Upon noticing this error, I immediately contacted Ally Financial and spoke with a representative who acknowledged the mistake and escalated the issue to a supervisor. The supervisor confirmed that their system sometimes makes errors and assured me that the late payment would be removed from my credit report within 3-5 business days. Despite this assurance, the late payment has not been corrected, and my credit score has dropped by XXXX points as a result. 
On XX/XX/year>, I followed up with Ally Financial and spoke with another supervisor, who informed me that the correction process would take longer than initially stated. Additionally, I contacted all three major credit bureaus and was informed that Ally Financial has not yet submitted a request to correct the erroneous late payment. 
I have a flawless payment history and have never missed a payment prior to this incident. The incorrect reporting by Ally Financial has caused significant damage to my credit score and constitutes a violation of my consumer rights. I am seeking your assistance in rectifying this situation and ensuring that Ally Financial promptly corrects the inaccurate information on my credit report. I have attached supporting documents showing I made the payments as agreed. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine. 
If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent and inquiries. 
I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).
Product: Debt collection

There is a collections account under XXXX XXXX for and amount of {$XXXX}. This account or debt does not belong to me and may be a confusion with someone else who opened this account fraudulently under my name or another name similar to mine. I have provided many documents of evidence showing this account does not belong to me and they continue to find ways to keep this account on my collections. I can not take responsibility for account that is not mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I was buying some items from XXXX marketplace and the seller requested funds sent through Zelle. I was cautious as I can be and requested a tracking number prior to sending funds only to find out those can be created without actually ever going to post office or UPS. Once I realize that I was scammed I made to report to Zelle and my bank with no response or follow up. I was very disappointed I had the email full name of scammers information and they did nothing to correct the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$850.00} XX/XX/XXXXXXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$960.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$360.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX {$17000.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXXXXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$990.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1200.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  continues to review and monitor my credit when I do not have any open credit accounts with this bank. This company continues to violate my right as a consumer to privacy of my personal information. I have continuously written letters to each of the three consumer reporting agencies to making them aware of synchrony banks improper use of the credit report. Transunion, XXXX, and XXXX have a duty to protect consumers and they have shown to be negligent in their handling of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been dealing with the credit bureaus for months now I have sent in all the documents that have ask me to send in to prov that i was a victim of identity theft.The accounts are still on my credit I would like for them to come off
Product: Consumer Loan

I went into XXXX in XXXX IL on XXXX/XXXX/XXXX to test drive a XXXX Mazda 3. I told the sales consultant XXXX XXXX that I only wanted to do a test drive and I was not interested in buying a car that day. I also advised the dealership that I am a victim of identity theft and I did n't want multiple inquiries on my credit. I found out later there were XXXX inquiries on there. I found out about 3 months later because I verbally complained to Chase that Mazda Capital Services was part of Chase Bank which no one from the dealership told me. I called Chase because I was upset about the inquiry, XXXX from Chase advised me the dealership should have disclosed that information. She tried to get the inquiry removed but the sales manager XXXX claims they did not do anything wrong. She also advised me the way the system is set up, the first inquiry is from the dealership and the second one is from Chase and advised me the dealership was suppose to tell me that. I found out this information on XXXX/XXXX/XXXX after I purchased my vehicle from them on XXXX/XXXX/XXXX. The general manager XXXX XXXX claims I gave permission to have my credit ran. I am upset the dealership did not disclose all of the information. I spoke with the finance manager, XXXX and he never advised anything about Chase approving the loan. I was advised by an attorney to file a complaint here because this is considered to be fraud.I have documented several conservations with XXXX that advised the dealership was suppose to disclose that information to the consumer since the loan was approved.
Product: Debt collection

My employer moved me to corporate line with XXXX. I wanted to port out number to another provider but XXXX was not releasing my phone number. In XX/XX/2022, XXXX forced to open personal line and assured that grace period of 15 days would be provided. As long as I moved to a new provider with in grace period, the bill would be waived. I moved to new provider with in 2 days. 

After XXXX was raised, I had requested XXXX to create escalation ticket. I had to call on two separate occasions XXXX months apart for bill waiver to get ticket created but they seem to have taken no action on my request. I did not receive any calls or communications on outcome of my escalation request as well. XXXX wastes a lot of customer time with very out of date and bad customer practices. They create barriers for customers in porting out by using anti competitive practices.
Product: Debt collection

I had a credit card with XXXX bank and I went delinquent on the debt in XXXX cause I lost everything, which was my business and alot of my properties, my job in XXXX. this all happened when the economy went downhill. I was served with a judgement on this case but I was served with 2 judgements but on 2 different times, once in XXXX and once in XXXX. I have 2 judgements reporting on this case and the amount has increased by $ XXXX. I believe this debt was cancelled in XXXX by XXXX bank but last year in XXXX it was sold to a different collection agency by the name of Resurgence Legal Group XXXX  and they revived this judgement and now want to collect $ XXXX, when the original debt was $ XXXX. How is that possible? Can someone look into this because this doesnt make sense.
Product: Debt collection

Comentity Bank is the bank for XXXX XXXX and other companies. Firstly, if you are 2 days late paying {$100.00} they call you incessantly. Every single day, multiple times a day with robocalls. There is a recording on the other end so you can not speak to an actual person. 

There is no reason to call someone multiple times a day every single day including weekends because they owe a {$60.00} payment. It is beyone abusive. 

Secondly, I get calls from them even when it is not my debt. They were doing the same thing, multiple calls in a day, every single day, sometimes calling back to back in the span of XXXX minutes. I finally got a real person on the line and they told me the pull a dragnet of numbers and hope they find a relative or neighbor that knows they people they are actually trying to collect debt from. In this case, there were 2 men, no relation to me, not my last name, not even living in my county. 

Comenity is abusive in their practices. I told them to stop calling my cell phone. I do not pick up the phone in the day because I am at work and can not. They must stop.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I've been making payments for almost 2 years paying more than my balance due ( {$400.00} each month instead of {$250.00} ) and instead of seeing {$8000.00} of my payments received, it only shows {$3000.00} less than the original balance. I asked if I could make higher payments to complete the loan faster and was told I would be able to, but trying to find any of that information now is impossible, and my payments appear as though I've been only paying the minimum balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint dated XX/XX/2023, I sent a complaint regarding the Accounts that are erroneous and misleading in my file. Please block and remove these accounts : XXXX XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX balance : - XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.
Product: Other financial service

Western Union is refusing to release funds of a money transfer and has given no good explanation other than " needs further validation ''. We, sender and receiver, contacted customer support repeatedly, even provided a letter from bank attesting that funds were released to WU on schedule - but not to avail. I attach the email from the money sender to WU with relevant details.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I uploaded documents referring to my dispute. It never went under investigation. I called in XX/XX/XXXX and spoke to a representative and they couldn't tell me the reason why it wasn't under investigation. They claim they did a proper investigation and what i disputed never should they did one. So how did you do an investigation? I would like supporting documents that you did an investigation. I would like a proper investigation done.
Product: Checking or savings account

In the XXXX I opened an account with a bank in XXXX AZ. Due to various mergers etc. this account is now with Chase- JPMorgan Chase . As I have not used the account for several years and I no longer have any family in the States it is rather pointless keeping it open. I have written in the last three months two letters to the bank asking them to close the account. No reaction either by email or by post to those letters. On XX/XX/XXXX I rang their customer service. I spoke to someone who confirmed the account balance and said that she could arrange account closure. The problem arose because I could not supply a US SSN, which was not needed when I opened the account. I do not have an American SSN number as I am not a US citizen and I have never worked in the States. After speaking g with her supervisor she said that she would pass the call to a teller. The call transfer did not go through as I got a recorded message saying that the teller was busy and asked me to call later. I have no idea as to how to get the teller 's number, hence my contact with you. I can not believe that I am the only person trying to close an account who does not have an SSN number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thus far, the only unrecognized use of my information appears to have been roughly two weeks prior to today, on XXXX XXXX, 2017. While it seems to have been a harmless check ( perhaps perpetrators probing for viable accounts? ), I do not feel comfortable at the thought of my information having been exposed ( as reported to me by the company itself via their incident response website ) and demonstrated by this unauthorized credit action.
Product: Credit reporting, credit repair services, or other personal consumer reports

mcm refuses to report payments to credit report XXXX  XXXX is charging for a credit card that we did not sign up for or recieve
Product: Debt collection

I received a notice in the mail from American Coradius International LLC indicating that I am subject to debt collection from XXXX. I do not use XXXX and have not had an active account in many years. I called the debt collection company to dispute the debt, explaining I have had other forms of identity fraud ( many debit and money cards opened in my name ) despite a credit freeze. The email address associated with the XXXX account that was read to me is not mine and I have never used it. Representative XXXX XXXX from XXXX said the debt would be returned to XXXX to review for identity theft on XX/XX/2023. He would not provide a reference number or confirmation email for this, only his name.
Product: Credit reporting or other personal consumer reports

I settled a bill with the original vendor before a credit management collection agency reported it to the credit bureau. The original creditor sent a paid-in-full invoice to the collection company after I informed them that the account had been paid. I contacted the credit management company to request a one-time courtesy removal of the account from my credit report, as it had been paid in full before being sent for collection, and I offered to provide proof of payment. They agreed to assist me, especially since I am in the process of leasing a vehicle that is due to be returned at the end of XX/XX/year>. 

Despite multiple attempts, I have been unable to dispute the credit management account with TransUnion and XXXX. XXXX is trying to assist me but Transunion is constantly giving me the round around, I registered and tried to dispute the account with proof of payment, but I keep receiving messages saying that I am unable to dispute it at this time. I reached out to customer service and even called, asking them to file a dispute on my behalf, but they were unable to do so due to technical issues. I also spoke with tech support, but their online disputing system seems to be malfunctioning. 

I have been back and forth with this company and have not made any progress. This collection on my account is preventing me from applying for a loan to purchase a car, and my credit score has dropped by twenty-five points. Despite explaining the urgency of the situation and providing proof of payment, TransUnion has not been helpful. Additionally, I am unable to view my credit report on their website. 

Can you assist me with this matter? I have read similar complaints from other consumers about this company and this very same issue.
Product: Checking or savings account

On the first week of XXXX of XXXX, my Chase Online banking account was hacked. The hackers were able to steal my log in and password from my XXXX XXXX Passwords. The hackers extracted money from my savings account to an outside external account ( XXXX XXXX XXXX account ) not known to me. The hackers committed fraudulent activities from XX/XX/XXXX until XX/XX/XXXX of XXXX. I didn't notice it until that weekend from text and email alerts and we were able to block and reverse the newer and more recent fraud transactions of XX/XX/2023. Since we were unable to reverse the other two transactions from XX/XX/XXXX for {$450.00} and XX/XX/XXXX for {$1400.00}. I had to file a fraud claim at the time. I immediately changed my login and password that weekend of XX/XX/XXXX and XX/XX/XXXX of XXXX. My fraud claim was denied on XX/XX/2023. They response was that I didn't change my login and password, which is a lie. And they claim that I have always used XXXX payments and that this outside account online transaction was done from my device. Which doesn't make sense since I was hacked and its possible that the hackers stole my IP address also. I do not recognize this XXXX XXXX account. What can I do?
Product: Checking or savings account

XXXX of this year I was told that my account was closed because of {$23.00} overdrawn from fees. I contacted the phone number on the paper I received from citi and they told me to either send a check or go to a branch to get this solved. I responded with : I can't go to a branch as I live over XXXX miles to the nearest branch of citi. I was then on hold for about 15 or so minutes. Once the represenative came back, they told me that I can do a money order at the postal service or go to a bank that partners with them and deposit the money there. As I don't have a single place like that near me I chose to send a money order to them. I now have 2 returned useless money orders from them because they keep returning them back to me. After the first return, I then basically tried to get help from close to 5 different people on the phone. They then told me the same thing from the first time but were adamant that I needed to go to a branch ( which I told them I WAS NOT ABLE TO DO THAT. Driving over almost XXXX states to go to a branch for {$23.00} is unreasonable in my opinion. ). They sent me XXXX different addresses ( which DID NOT WORK ) to resend my money order. I had two reps tell me to contact a branch for instructions. I contacted the branch in Virginia as that was the closest. The person before this wanted me to contact a branch in XXXX XXXX XXXX I told the branch person what happened, and they told me a different address to send it to They agreed with me to that going to the branch is an unreasonable option. I was almost told to ignore this over {$23.00} however, that will ruin my financial stance. I refused to do that. I was told the possible reason why I got my money order returned. I sent the second money order to a XXXX XXXX XXXX  address. Today, XX/XX/2023, I received the second money order for the same reason on the first one. My bank account was closed. I don't know what to do now. I feel like I'm going to circles with this company now.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT ISNT MINE, I AM NOT RESPONSIBLE FOR THOSE ACCOUNTS, I AM A VICTIM OF ID THEFT, PEOPLE HAVE USED MY INFORMATION TO OPEN THEM. 

-XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX {$2600.00} -US DEPT OF EDUCATION
Product: Credit card or prepaid card

Hi! 
I transferred XXXX into my XXXX account from a balance transfer from BOA. It was suppobe {$1500.00} on XX/XX/2023. I called XXXX, and they will return the XXXX to me so I can return it to BOA. However, the balance transfer fee of BOA of {$600.00} will still remain even though BOA is receveing its money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been bad for years. Yes, I have student loans. Yes, I have some bad marks on my credit, BUT I have positive also. I have worked my way into having enough income to pay everything on time. I have had on-time payments for over a year. Is there no chance of ever improving my score no matter how long I pay my bills on time? I have under {$2000.00} in bad marks, but thousands and thousands of good ones. I am paying on my {$1800.00} in bad debts every. month. Is there no balance? This is in both Transunion and XXXX. I can't get anywhere. I can't get loans at any kind of reasonable rate. I can't get a home loan. I can't get anything. I am a XXXX-year-old XXXX XXXX XXXX holding, full-time working, tax paying citizen that can not get a higher credit score. The parameters needed to improve my credit score are too harsh and people like me need some kind of relief in sight or what is the point of moving forward?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello on XX/XX/XXXX payment arrangements were made in agreement with GM a Goldman Sachs for my account. On a recorded line the representative sent me up for a payment plan and describe the payment plan to me. The representative of the company did not explain the payment plan to me in for and accurately. A full investigation including pulling up phone calls that were made on the recorded lines need to be done!! 

I made payments for XX/XX/XXXX and XX/XX/XXXX as scheduled and as agreed-upon and yet we still report it late payment to my credit bureaus twice. 

I made the on-time payments as agreed-upon and should NOT HAVE BEEN REPORTED LATE. 

I request a full investigation and removal of my INACCURATE DELINQUENT REPORTING for XX/XX/22 and XX/XX/22 On account ending in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect balance for American Express.