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

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX NAME : XXXX XXXX NAME : XXXX XXXX NAME : XXXX XXXX XXXX NAME : XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Vehicle loan or lease

I am filing this complaint against GM Financial due to their unlawful repossession of my vehicle, failure to comply with proper communication protocols, and fraudulent practices related to my lease contract. 

Repossession Dispute : On XX/XX/XXXX, GM Financial repossessed my XXXX XXXX XXXX due to non-payment, despite my efforts to resolve the matter. I have been disputing this repossession for months, but GM Financial has failed to provide a satisfactory resolution. 

Failure to Provide Certified Mail Notice : Under Pennsylvania law, after a vehicle is repossessed, the lender is required to send a notice via certified mail to the borrower. This notice must inform the borrower of their rights, including the right to cure the default and reclaim the vehicle. I never received this notice, which makes the repossession unlawful. I am requesting that GM Financial provide me with the certified mail receipt number for the notice of cure that was allegedly sent to me. 

Relevant Law : In Pennsylvania, the lender must send a " Notice of Right to Cure '' or a similar notice via certified mail to the borrower before taking any further action after repossession. This requirement is outlined in the Pennsylvania Motor Vehicle Sales Finance Act ( MVSFA ) under 12 Pa.C.S.A. 6236, which mandates that the borrower be given an opportunity to cure the default within 21 days of the notice. GM Financials failure to send the notice via certified mail and ensure its receipt makes the repossession unlawful and invalidates the subsequent actions. 

Lack of Communication Compliance : Recently, GM Financial stated that someone attempted to contact me but was unable to reach me. I have explicitly requested that all communication be conducted via email or postal mail, not by phone. Despite this request, GM Financial continues to try to contact me by phone, disregarding my preferred method of communication. 

Certified Mail to Dealership Regarding Contract Fraud : I have sent a certified mail letter to the dealership highlighting that fraud was found in the lease contract, specifically regarding the misrepresentation of the trade-in amount for my previous vehicle. This fraudulent and deceptive conduct by the dealership makes the contract null and void. The issues with the contract further invalidate the repossession and any actions taken by GM Financial based on this contract.

Request for Resolution : Provide the certified mail receipt number for the " Notice of Right to Cure. '' Cease all phone communications and adhere to email or postal mail as requested. 
Reverse the unlawful repossession and remove any negative credit reporting resulting from this repossession. 
Investigate the fraudulent and deceptive practices related to the lease contract and take appropriate actions to nullify the contract.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, ( XXXX, ( XX/XX/XXXX ), Contents of Complaint : I am writing to request and investigation of the following accounts I have NEVERED opened or use the accounts listed below " I'm requesting the following information to be deleted from my early warning consumer report immediately I attached a copy of my report to this request The accounts consist of an Bank account opened and inquires below. 



XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX, XXXX XXXX Consumer ID XXXX Early Warning Attn : Consumer Services Department XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Dear Sir/Madam, I have recently obtained a copy of my consumer report from Early Warning and have identified some discrepancies that I wish to challenge due to identity theft. I don't recognize the following accounts in question. I am a victim of identity theft and I don't recognize these accounts on my report. I am requesting the following information be deleted from my early warnings report immediately! I've attached a copy of the report to this request. Thank you for your assistance. 


XXXX XXXX XX/XX/XXXX Bank Routing # XXXX Account ( XXXX ), XXXX  XXXX XXXX XX/XX/XXXX Bank Routing XXXX Account # ( XXXX ), XXXX  XXXX XXXX Maryland XX/XX/XXXX Bank Routing XXXX Account ( XXXX ), XXXX  XXXX XXXX XX/XX/XXXX Bank Routing XXXX Account ( XXXX ), XXXX XXXX  XX/XX/XXXX Bank XXXX XXXX Account XXXX XXXX Bank XX/XX/XXXX Bank Routing XXXX Account ( XXXX, XXXX XXXX XX/XX/XXXX Bank Routing XXXX Account ( XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX Bank Routing XXXX Account # ( XXXX ), XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Routing XXXX Account # XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, Branch Banking And Trust XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, Branch Banking and Trust XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX I understand that as a credit reporting agency, ( Early Warning ) is bound by the Fair Credit Reporting Act ( FCRA ) to conduct an investigation upon receiving a dispute request. This legislation aims to ensure the accuracy, fairness, and confidentiality of consumer information held by reporting agencies, clearly outlining your responsibilities in such cases. details provided. I trust that you will approach this matter with the necessary attention it demands, and I await the outcome of your investigation. 

Yours sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX XXXX regarding their inaccurate reporting of my credit card information to Transunion and their failure to correct it in a timely manner. This issue has caused significant financial harm to me, as the missing account information has negatively impacted my credit score and potentially affected my ability to obtain credit. 

On XX/XX/, my XXXX XXXX account information was deleted from Transunion, leaving me with only one credit card account, which negatively impacted my credit score. 

On XX/XX/, I immediately reported this issue to XXXX XXXX and requested that they correct the issue and report the account accurately to Transunion. However, XXXX XXXX has not taken any corrective action within the 30-day deadline ( reported XX/XX/XXXX  ), as required by the Fair Credit Reporting Act ( FCRA ). This is a serious violation of the FCRA and has caused me significant financial harm. 

Today, XXXX XXXX  account information is still entirely missing from Transunion. At the same time, this XXXX XXXX account does exists on XXXX and XXXX. Keep in mind that XXXX XXXX  company policy is " Report to all 3 credit bureaus EVERY MONTH for all credit card customers. '' My account should be reported as well just like everyone else. 
But still missing on Transunion no matter how many times I contact XXXX XXXX. I was told by XXXX XXXX  " everything is reported accurately. '' each single time I contacted XXXX XXXX about this issue. I reported to XXXX XXXX  in accuracy and even showed XXXX and XXXX Report showing my account information. XXXX XXXX  ignored my dispute. 

As per the FCRA, it is the responsibility of credit card companies to investigate any disputes and to correct or delete any inaccurate, incomplete information within 30 days. XXXX XXXX has failed to comply with this law and has returned the dispute with unfixed, incorrect information, which does not count as a resolution.
Product: Debt collection

I have called XXXX several times detailing the collection they are trying to collect is not correct. I have contacted the original creditor and together they have contacted XXXX and the representative from XXXX told the office manager of the original creditor that first they have to collect the amount even though that was false and then also said they cant delete off my credit report unless paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$260.00} XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00} XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was an authorized user on a capital one credit card for my husband, I called capital one and asked to be removed as an authorized user and they agreed to do so back in XX/2017 it was never done. I then called again when I still saw the account on my credit report in XX/2017 and was told by agent that she was removing me that I was never removed as an authorized user on the account and that she was going to put in a credit bureau dispute to have the trade line removed from my credit report since it was preventing me from purchasing a home. I called today after filing a dispute with XXXX the only bear au that it is still reporting on and was told that there was nothing that they could do and admitted that it was reporting incorrectly since I had been removed.
Product: Student loan

Currentl, requested refund from Edfinancial services for PLSF. Customer service has no update and shifts blame to XXXX  for refund delay. No email confirmation, refund is said to take minimum 120-170 days depending on the case. XXXX Updates, must call to check in. has been XXXX weeks since refund has been requested and is still " in processing. '' Had to call to check refund submission was sent. Currently no real updates and I am fearful of the PLSF passing while my loan is reinstated to me with interest.
Product: Credit card or prepaid card

I had a debt mgr program with XXXX that went rouge on my account, which caused double payments to my bank account and failed to send payments to my creditors which caused a backlash of late payments. Discover customer service offered me a way but only to catch me up with several small payments and told me I would still be marked and fee for being late even with small payments. Then my bank placed a stop payment all together with Discover without my acknowledge, I had to find this out after asking Discover why my account kept returning payment even through I kept trying to pay the bill. I asked for my card number and they refused to give it to me. I gave them another account number to bring the account back to current and was promised that they can reverse the fees and negative reporting through customer service.
Product: Debt collection

I received an alert that a derogatory mark was reported on my credit report, but I have never received any communications from this company - " XXXX XXXX XXXX. '' I do not have any information or communications from them regarding the alleged debt.
Product: Debt collection

I sent the credit bureaus a dispute for debt verification over a year ago ; I repeated this action a couple of times. I received no response. However, on XX/XX/year>, someone came to my door and handed me some papers stating I had been sued. My home was illegally sold in Florida, and everything in the house was taken, including all personal paperwork and bills. This was done intentionally. How can I be sued when I had no proof of this debt until they came to my home? They could have sent me a debt verification letter when I asked online. I feel this paperwork is incorrect, and this collection agency is abusing its power due to my request for a debt verification letter. However, they started harassing me when I began looking for another home to purchase. I feel like this agency is involved in illegal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I kindly ask you to delete these accounts because I do not recognize them and they are not mine at all. Suddenly they appeared in my profile so basically this is an error in reporting or I became a victim of identity theft. I do not accept it because its killing my score. SO REMOVE THEM
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX  XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance XXXX {$2200.00} XXXX XXXX Balance : {$1400.00}
Product: Prepaid card

Monday XX/XX/XXXX Hi there, so the whole problem is I have an XXXX card and wanted to use it. I purchased a XXXX travel package that cost XXXX XXXX After getting to checkout, I found out XXXX dont accept XXXX XXXX and their solution around all of this was to get a prepaid XXXX card and redeem them for a XXXX XXXX card. So I went to XXXX. The reason I went to both was because both stores had a limit on purchases. XXXX XXXX was XXXX $ and XXXX was XXXX XXXX plus sign for tax purposed. Besides all of that, after getting all the gift cards and redeeming them online with XXXX. So on XXXX XXXX, I purchased XXXX XXXXXXXX XXXX gift card, and it went through. When i try to redeem my XXXX card out of XXXX. I got hit with a suspicious actively, and the Prepaid card kept declining, and I was finally placed on HOLD. After calling the number back of my pre-paid card, they told me they would be shipping XXXX new card because the card was locked. Looking at check balance all of my XXXX cards are placed on hold and will be getting new one in mail. Keep in mind i didnt consent on receiving a new card because i dont trust having a pre paid card in the mail. But top everything off they said sorry theres no tracking device number and will get there when it does. HOW would you feel you have XXXX all gone and no tracking. I got my bank but they said they can't do anything becuase it was a physical purchaes for prepaid. I just want my money back so i can paid the bank back. Now im stuck with XXXX cards all on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my husband and I 's credit report we noticed some incorrect late payments reporting for our Wells Fargo Home Mortgage and Wells Fargo Home Equity Line of Credit. We attempted to resolve the issues with Wells Fargo by providing proof of on time payments but no timely response was received and when we inquired again they sent us explanations of the payments however the explanation proves the late payments are reporting incorrectly yet they refuse to correct their mistakes. We have attempted over the past 5 months to have Wells Fargo or a credit reporting bureau fix the errors but it has not been corrected. These incorrect late payments are affecting our credit score and ability to apply for lending. We do have late payments but Wells Fargo is incorrectly reporting them in later months than they occurred and therefore extending our credit unworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax just announced that in XXXX their data was hacked and the information of millions of Americans including myself had their information stolen. Their executives sold stock shortly after finding out, and only yesterday was it even announced that this happened. I was affected by this, but to find out if I was affected, Equifax tried to get me to waive the right to a lawsuit. I never chose to have my information known by Equifax, along with millions of others, and yet their data was never properly encrypted, they did n't release this information until months later, after they profited off of the company, and now I 'm expected to trust them to protect my information going forward. Once the information was released, a fraudulent charge showed up on my credit card that I had to flag with my credit card company, and I had to proceed to freeze my credit due to their irreversible negligence.
Product: Credit reporting or other personal consumer reports

I was deeply upset to find unauthorized inquiries on my credit report this evening, and I have no idea how they got there. I routinely check my credit report, but this time there were unexpected discrepancies. I even tried refreshing my browser to see if it was a glitch, but the unauthorized inquiries remained. I'm frustrated by this situation and urgently request a thorough review of the documents Ive submitted so I can have peace of mind.
Product: Credit reporting or other personal consumer reports

I have previously filed a complaint about a different matter, and found the outcome to be satisfactory, and hope to have this issue resolved similarly with the same due diligence as before. 

I have the following information reported that includes Returned Transactions : Routing Number : XXXX Account Number : XXXX Additionally, I have an account that I do not own that includes an incorrect DOB that includes the following : Furnisher : XXXXXXXX XXXX Routing Number : XXXX Account Number : XXXX
Product: Credit card

XXXX / XXXX I became a member at XXXX and applied for the XXXX XXXX XXXX credit card from Citi Bank and usually many customers receive immediate approval and a temporary card, I only received a letter weeks later ( please see attached document ) saying the application could not be completed because the information I entered could not be verified, I called and asked and they could not tell me what type of information they needed to verify, after several weeks the XXXX membership manager suggested making a new application and in the second application I received another letter ( please see attached document ) explaining that they did not approve the second one because they only accept one account per membership. The bank claims that I have two memberships, which is only one according to the XXXX membership department. Now it turns out that they ran my credit, obviously being negatively affected and I consider that the process was not carried out with fairness in my opinion.