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

acct XXXX Subject : Formal Complaint Regarding Cadillac Lease-In Complications and Inconsistent Balance Due Dear Sir/Madam, I am writing to express my deep frustration and dissatisfaction with the ongoing issues I have encountered with GM Financial concerning the lease-in process of my Cadillac vehicle. Despite multiple attempts to resolve these matters, I have been met with unresponsiveness, conflicting information, and a lack of transparency that has caused significant inconvenience and stress. 

To begin with, I have repeatedly requested documentation to verify that the lease-in process was not completed properly, as well as the notes and records of phone calls that were supposedly recorded during my interactions with your representatives. Despite these requests, I have yet to receive any of the requested documentation, leaving me in the dark about the specifics of the process and how it was handled. 

Furthermore, I was instructed to drop off my leased vehicle, but it was not communicated to me that the necessary paperwork and procedures had not been properly completed. I have attempted to dispute the balance due for several months, but I have been consistently stonewalled by your organization. Despite numerous requests, I have not been provided with a direct email address or phone number for a manager, nor have I been given a corporate address to escalate my concerns.

On multiple occasions, I have been asked to file complaints on my own behalf, despite the fact that it is GM Financials responsibility to address these issues directly. To add to my frustration, the balance due on my account changes inconsistently across different platforms. The amount displayed on the phone pay system differs from the documents sent to me, which again does not match what is shown on the internet pay system. This inconsistency has only served to exacerbate the situation and has made it impossible for me to resolve the issue in a timely manner. 

Despite the numerous complaints I have filed with both GM Financial and the Better Business Bureau, this matter has still been reported to the credit bureau, further damaging my credit score. It is unacceptable that my efforts to address this issue have been ignored and that I am being penalized for a situation that has arisen due to GM Financials failure to provide clear, accurate, and timely communication. 

I expect an immediate investigation into this matter and a prompt resolution that includes a thorough review of my account, correction of any inaccuracies, and removal of any negative marks on my credit report that have resulted from this situation. 


Thank you for your prompt attention to this serious matter.
Product: Debt collection

I want to file a formal complaint against Portfolio Recovery for egregious violations of my consumer rights. 
It has come to my attention after reviewing my credit report that Portfolio Recovery placed a collection on my consumer file without issuing the requisite notice and without notifying me of my right to dispute these alleged debts. 
I am unaware of this debt and I have no knowledge of these debt. 
I hereby declare my revocation of all communication channels with Portfolio Recovery including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 
In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Portfolio Recovery provide a purchase order agreement between them and the alleged original creditors. I am particularly concerned about this collection account which has been posted to my credit report. 
I demand the immediate deletion of this account from my credit report. 
The date on my consumer report indicating that I opened an account with Portfolio Recovery is blatantly false. I neither received any services or products from this company or entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. It is also very deceptive. 
This company is in violation of the Fair Credit Reporting Act he Fair Debt Collection Practices Act and it also Defamation of Character. 
Portfolio Recovery not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on my credit report.

Portfolio Recovery has not given me a chance to dispute accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ) Credit Collection Portfolio Recovery is violating my consumer rights by using false misleading misrepresentation and utilizing deceptive means.

Collection agencies have no authority to furnish any accounts to consumer reporting agencies without providing any and all disclosures required by law.

The actions of Portfolio Recovery constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( A ).

I am formally demanding the swift deletion of these collections from my credit report on all the Credit Reporting Agencies that they reported to and I trust the Consumer Financial Protection Bureau will thoroughly investigate and address these infractions Account XXXX
Product: Debt collection

Furnishing and Reporting Old Information When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? 

Reporting a debt as charged off, when it was settled or paid off. 

Account Number : Ending in XXXX Original Creditor : XXXX Amount : {$140.00} Payment Date : XX/XX/202XXXX XXXX Account ID : XXXX Confirmation Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is ilegally reporting on my credit record, This collection is violating my privacy and the XXXX XXXX. I would like for this collection to be removed from my credit record within 21 days. Thanks
Product: Credit reporting or other personal consumer reports

As of XX/XX/24 there is inaccurate information reporting to Transunion, XXXX, and XXXX. My name identifiers are missing and inaccurate across all three reports. The law prohibits the reporting of information that is inaccurate. There are numerous accounts across the credit reports showing these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Idaho Housing ( mortgage lender ) continues to show payment history for 1st and 2nd mortgages made after Chapter XXXX bankruptcy on XXXX  credit report. Additionally, lender has failed to report that the 1st and 2nd mortgage were included in the bankruptcy on my XXXX  credit report. Also, the 1st mortgage shows up as being closed and the 2nd mortgage as being open. Due to the bankruptcy laws, the mortgage company is not permitted to report anything on the account, including payments, balance or missed payments AFTER the bankruptcy has been discharged ( XX/XX/2016 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I went through a time of fore bearance with my mortgage with XXXX XXXXXXXX XXXX. I was told by them that I would have to check in periodically, which I did and that I would not need to make any payments and there would be no payments demanded during this time. I was able to start making regular mortgage payments starting last XXXX and have been on-time/current ever since. I was told by the people that processed the loan modification after the fore bearance that I would have to have twelve consecutive months of not missing or being late on my mortgage payments and then I could re-finance at that time ( XXXX of this year ). I found out yesterday that XXXX XXXX XXXX reported me 60 days delinquent on XX/XX/XXXX and then 150 days late on XX/XX/XXXX. I called to speak with them regarding this today and was told by their representative in the account resolution team that I missed some check-ins with them during that time of forebearance and so they were required to report it that way to the credit bureau XXXX All the time, every month I would check in they would tell me that they understood and that nothing will impact my credit, not to make any payments until they were able to get the loan modification completed. They did the remodification in XXXX of last year and I started making payments the first of XXXX and faithfully on time without fail ever since. This now locks me in to stay in this loan with XXXX for XXXX years according to what I was told by another lender who was looking into the possibility of refinance and getting some equity to pay off some debt/make some home improvements. I feel they were not operating in any integrity and now just want to keep me locked into their mortgage for XXXX years without me having any options. There have been several calls from representatives of XXXX to try and get me all set up for refinance with taking out equity in XXXX of this year and now I find out that it will be XXXX of XXXX before I can refinance based on this error in their reporting against what they instructed me to do and said would happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax over the phone about a unauthorized hard inquiry that was made by XXXX XXXX XXXX on my Equifax credit account in XXXX of 2019. I needed assistance in investigating this manner and told the agent that I would like to submit a dispute and the agent denied me my right to submit the request for investigation. 
He gave me the go around when I told him I did not have an account with XXXX XXXX XXXX and that I live in a totally different state then where the unauthorized inquiry came from and when I did some searching of that branch from that address they had been shut down for creating fake accounts. They attempted doing this with my information thus the hard inquiry occured. Given this information the agent still insisted on not helping me with this stressful situation. I asked him for a confirmation number for the dispute to investigate and was denied because he simply would not which is infringing on my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. This is not mine. l am a victim of identity theft Also Under 15 U.S. Code 16815 Permissible purposes of consumer reports never gave you any written consent to report anything on my consumer reports no consent is fraud XXXX  XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit reporting or other personal consumer reports

Despite many attempts to resolve these matters directly with the bureaus for more than a year now, the errors persist on my credit reports, causing harm to my credit. Accounts disputed previously and has been reported as " accurate '' and " verified '' yet the accounts report varying information between the reporting agencies. This is a violation of Fair Credit Reporting Act. Any information found to be inaccurate or incomplete or can not be verified the agency shall promptly delete that item of information from the file of the consumer. These inaccuracies have unfairly impacted my creditworthiness, delete any inaccurate or incomplete information. I trust that you will handle this matter with the urgency and seriousness it deserves. I request the immediate removal of these accounts. Ensure these files are TRUE, ACCURATE reflection of account. All furnished information must be a complete and accurate without error and complaint with guidelines. Accounts showing inaccuracy must be removed. 

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

There are multiple hard credit inquiries that recently showed up on my report ( last week ) that I never authorized. 

These unauthorized hard credit inquires include the following XX/XX/XXXX : TD Auto Finance XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These hard inquiries were never authorized by me and are adversely impacting my credit score. 

Note that I am attaching a screenshot of all my listed inquiries but I am only disputing these 5.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain addresses and phone numbers from my credit report, as provided under the Fair Credit Reporting Act ( FCRA ) and specifically referenced in 15 U.S.C 1681c. 
I contacted XXXX, XXXX, and TransUnion and has had no help with the removal of the following items that I have identified. Several addresses and phone numbers which are either outdated or no longer relevant to my current circumstances. The presence of these outdated addresses and phone numbers may potentially impact my privacy and confidentiality as protected under the FCRA. 

The following outdated addresses and phone numbers should be removed from my credit report : Addresses : XXXX. XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX and XX/XX/XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : Current Address ) XXXX. XXXX XXXX XXXX, XXXX, NJ XXXX ( Date Reported : XX/XX/XXXX ) Phone Numbers : XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX I believe that the presence of these obsolete addresses and phone numbers does not serve any legitimate purpose and may lead to potential confusion or unauthorized use. 

I kindly request that these outdated addresses and phone numbers be promptly removed from my credit report, and that any future consumer reports issued by your agency do not include this information. 

I appreciate your attention to this matter and the timely handling of my request. Please provide written confirmation once the requested removal has been completed. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX Amount : {$420.00} Account Date : XX/XX/2022 Please remove all names other than " XXXX XXXX XXXX '' and remove all previous addresses. 

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

15U.S.C 1681 section 604A. 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 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. 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any other consumer reporting agency of 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

Please remove these accounts, I have sent a copy of my report from XXXX that shows 2 accounts with XXXX XXXX were deleted because the bureau was not able to verify, also shows 2 accounts under XXXX XXXX also have been remove, all since XX/XX/XXXX ... ... 3 letters later and yet XXXX or EQUIFAX have done nothing, XXXX  has failed to provide me for a release form where I signed to release my PHI ( which is in hippa violation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Bureau name XXXX XXXX XXXX XXXX I payed all the amount but they still reporting that my account is derogatory.it damaged my credit score a lot, last payment was XX/XX/2019. 
So I called them they said they will report that o Finish all payment, but no action was taken. 
Also other accounts were paid and Closed but the negative still effecting my Credit score.

I had 2 miscarriages within the last 3 years and I lost my job and I did my best to pay off all my debt. But those companies the sold my accounts to collection companies and they were after me every single day, harassing me With Calls.

I really need your help and I appreciate your up.

Best regards, USA
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian Experian Consumer Fraud Division XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Experian, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 15 Days from the date of the receipt of this notice. I look forward to your response. 
Thank You, XXXX XXXX
Product: Debt collection

This company keeps changing its phone number and calls numerous times a day and night.I have ask them to STOP calling. They REFUSE..
Product: Mortgage

I believe my mortgage servicer, Specialized Loan Servicing ( SLS ), mishandled my mortgage documents and failed to provide correct information regarding loss mitigation. I applied for loss mitigation on XX/XX/22, and was told in previous phone calls that SLS wouldn't report my mortgage as delinquent while I am in the review process. I received notification in early XXXX that SLS reported my mortgage as delinquent, and when I called SLS on XX/XX/22 I was told my application was incomplete, and that's why my application wasn't reviewed. I received no notification that my application was incomplete. 

I submitted my application again on XX/XX/22 and SLS began review my application on XX/XX/22. Because I didn't receive notification about the XX/XX/22 application, SLS disengaged my previous application and referred me to their foreclosure department. I called SLS again on XX/XX/22, and SLS said that my XX/XX/22 application was not considered incomplete, and they don't have record that they considered my application incomplete. SLS stated that my previous application, submitted in late XXXX, was pending a final decision, so they didn't review my XX/XX/22 application ; I was not informed that my XX/XX/22 couldn't be considered, nor did SLS notify me of any actions I would need to take so my XX/XX/22 application would be considered. 

With my previous loss mitigation applications, I was not given specific reasons for why I was denied home retention options, only general reasons such as " can't make a repayment plan within guidelines '' or " make sufficient net income to pay the amount owed in full ''. When I called on XX/XX/22, I was told that my debt-to-income ration was too high ; I was never given this information with my previous application, even after numerous calls. 

On XX/XX/22, I called and SLS said I can moved to foreclosure while under loss mitigation review. XXXX also said they had been reviewing my XX/XX/22 application, and stopped reviewing on XX/XX/22. In previous phone calls, SLS said my XX/XX/22 was not under review ; further, they said that because I didn't have an applications under review, I was referred to their foreclosure department. However, SLS was reviewing my application and referred me to foreclosure while I was under review for loss mitigation. 

SLS has said I can't make partial payments because I've been referred to foreclosure. If this is true, SLS committed dual tracking by referring me to foreclosure while I was under review for loss mitigation. If SLS didn't commit dual tracking, then I have been under loss mitigation review and not referred to foreclosure, and should be allowed to make partial payments to the amount owed. 

I can qualify for up to {$30000.00} from the Virginia Mortgage Relief Program, but the amount owed must be less than {$30000.00}. If SLS will allow me to make a partial payment, I can pay up to {$10000.00}, and Virginia Mortgage Relief Program will pay the remaining balance, bringing the mortgage to term. I have a job and stable income, so I can make regular monthly payments after bringing the loan to term.
Product: Credit reporting

I contacted XXXX XXXX president with XXXX after I spoke with a Consumer Financial Protection Bureau rep XXXX who gave me their number. I explained that I would have them investigated for compliance violation because I did not process an application online or give written signature permission authorize a to pull my credit reports. XXXX XXXX got my information from his wife XXXX that I was on Social Security and I told them that I was in XXXX and was not willing to do any business unless I meet with his VP in personally XXXX XXXX to discuss if the company uses it as a source of income. XXXX XXXX was also cc 'd that if the inquiries were illegal and impermissible and if not removed I would contact the XXXX.