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

This is for GM Financial. I am unable to make a payment towards my principal without calling in and typically waiting on hold for over 30min. I have tried all other option chat, text, and the online portal. When I call in they say there is no way for me to make all other payments besides my auto pay go directly towards the principal. The only option they offer is to call after I make a payment and tell them it should go towards the  principal.
Product: Credit reporting or other personal consumer reports

I'm writing to complaint to TRANSUNION about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report numbers related to this complaint are XXXX and XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. This is a legitimate inquiry of information and declaring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found the following fraudulent accounts on my credit report and have provided my identity theft report to the credit bureaus yet the items remain : XXXX XXXX  XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX {$9500.00} XXXX XXXX  Please remove these fraudulent accounts
Product: Mortgage

RewRez loan the balance on my loan is {$150000.00} but in my credit report it has been reported that the balance is {$150000.00} i have been writing to the this mortgage companying to correct, so that my credit will come up but they have refused. just to keep my credit low. 
And they have also reported that i am on forbearance which i am not and for about 8 months i have been writing them to correct that. more than 5 mortgage company have refused my refinance process because of this. 
my credit has gone down because of this. 
This is not a mistake it is a deliberate act to make it impossible to get a loan approval for refinancing.
Product: Debt collection

Rev Now Financial calls me multiple times a day ( sometimes up to 6 times in one 24 hr period ) using a different number each time, from different places in the US.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent Equifax a 2nd written request dispute letter on XX/XX/XXXX regarding the unverified XXXX XXXX XXXX collection account on my credit report. 

This letter was sent via Certified Mail with physical Return Receipt, so I was able to verify that Equifax received the letter on XX/XX/XXXX. However, after some weeks and numerous phone calls I quickly realized they had no idea where my letter was. They continued to send me responses from my 1st written request via mail or online but those old disputes were already responded too and resolved promptly. 

Below are notes with the two Equifax reps I spoke with regarding this issue : -- -- -- - XXXX Employee ID # XXXX XX/XX/XXXX XXXX Employee ID # XXXX XX/XX/XXXX Spoke with ( Dispute supervisor ) who refused to give her last name I was told an internal complaint would be filed with the mail dept for the delay in my documents being uploaded to start the dispute status ( they have no contact with this department ) Their dispute process operates outside of the FCRA and is illegal. They don't request for documents validating the debt to the consumer in question and solely rely on the collection company saying " yes or no '' to the debt belonging to the consumer as fact. 

-- -- -- Not only did both of these reps admit that Equifax lost my letter with private personal information contained inside, they put no efforts into my dispute and would rather let it drop and hope I wouldn't pursue it anymore versus owning up to their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. Don't provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 
Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? Don't provide the generic " 7 years '' response ; I am aware of that. 
Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So, which is it? 
Supply your response within 15 days or delete the trade-lines.
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX through out XX/XX/XXXX I have sent in dispute letters to Experian to get this specific derogatory remark removed from my credit report. The remark is listed as repossession. I never gave consent for this to be reported on my credit file. The is a violation of 15 USC 1681a ( d ) ( 2 ) ( B )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ADDRESSES ARE LISTED IN MY CREDIT REPORT AND DO NOT BELONG TO ME AND MUST BE IMMIDIATELY REMOVED
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters sent in regards to inaccurate information with XXXX, XXXX, XXXX. Letter sent XX/XX/XXXX & XX/XX/XXXX. 

Also updated address and ONLY address is : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are showing wrong information. I previously contacted the credit bureau. These accounts are showing the incorrect Account balances & account status. 


XXXX XXXX - XXXX XXXX XXXX - XXXX
Product: Debt collection

The original bill was for {$89.00}. The late charges, fees, and collector fees has escalated this bill to {$440.00}. I called XXXX to ask if I could pay my bill on Friday, it was due on the Wed before. The girl I talked to said that it would be ok and she would mark it on my account. The next day my phone was turned off. I called to have it turned back on they said it would cost me XXXX plus the next month 's bill, costing me {$230.00}. It was never posted on my account that I called. I want to pay this bill, but I refuse to pay what I 'm being charged. I will pay a fair amount.
Product: Credit reporting or other personal consumer reports

Midland credit management has a fraudulent debt and refuses to help me they keep hanging up on me. XXXX $ they are saying I owe and I never had a loan for that. Only thing on my credit that is my debt are XXXX credit cards. XX/XX/2023 is the alleged date of debt they added to my report not long ago.
Product: Mortgage

My wife and I on XX/XX/XXXX started looking into purchasing a new build with V.I.P mortgage company along with XXXX XXXX for property XXXX XXXX XXXX in Arizona XXXX loan # XXXX we put XXXX down as an XXXX payment but now that the builders and the mortgage company have blamed us and closed on our deal without our consent and not refunding our XXXX deposit over the course of these past 7 months this process was a nightmare major financial disaster that has caused devastating distress upon our families financial emotional & psychological quality of living so we are seeking remedy of our proper compensation for a full refund for these negative damages inconvenience and experience as a first time home buyers!!
Product: Credit reporting or other personal consumer reports

There are still things that need to be blocked or deleted, but I appreciate your help in getting some of the unlawfully obtained data from my credit file removed. In compliance with FCRA section 605 of the regulations, you have to delete any records mentioned in an ID THEFT REPORT. Since I proactively remembered it for a prior letter, I am including this report again. My counsel has been made aware of my plans, and they are prepared to hold you responsible for your continuous disobedience. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

First it was my unemployment card that got hacked or whatever game someone was and still is playing I see,. At the begining of the year they hacked my unemployment card I called card services and told them what was my complaint which was identity theft and they took care of i..Now come to find out someone's gotten a hold of my child support card and activated it and took XXXX dollars off of it.. I normally don't get my child support until XXXX of every year but for some reason my XXXX from XXXX XXXX called and asked me about if I had received some money and I was totally confused but he was right I had money deposited on the XXXX of XXXX and i didn't realize what had happened until the end of the month around the XXXX of XXXX I feel so bad that whomever did this Im guessing got away because the bank found no error .. that really hurts to know my XXXX baby girl could've used her money I don't know what else to do but I'm very angry agitated and heartbroken
Product: Credit card

I received a Fit credit card in the mail. I had to pay a {$95.00} processing fee for it to be activated. I did that and i was told that the card was activated. I tried to use it and was declined. I called the phone number on my card to find out why my card wasn't working. I was told that I had to call back in 48 hours and it would be activated. I did that and tried to use the card and it was still being declined. I called again and was told that the chip wasn't activated on the card so I can only use it online. I tried that and was declined again. I called again, very frustrated, and was told that I would be able to use the card in 3 business days. The sad thing is that the XXXX XXXX XXXX  is backing this card and the company activating the cards is operating fraudulently. I can't even purchase gas. HOW SAD!!!!!!!
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I asked the company, Frost Arnett to verify the debt as I never received calls on my only number which is a cell phone. They reversed the derogatory credit report and sent me a statement dated XXXX. 
I placed a call to Frost Arnett to find they have already sent the derogatory report back on my report 5 days ago. 
I called to pay the debt in 4 installments and they had already reported it even though I had ask for them to send me a bill.

This is so unfair. I want to pay my debt asap now that I have the charges.

Once again, not one phone call to work with me to pay it. 
During the times we are having a lack of mail delivery, the least they could do is work with me and I will pay in full. 

Sincerely, XXXX XXXX
Product: Checking or savings account

i deposited 12 checks in my account on XX/XX/ in total it was XXXX XXXX however 2 out of the 12 checks happened to be from a previous bank account of my employer and i deposited the checks not knowing they will bounce. 
in doing so all money in the account was put on hold and for some very odd reason when i called my bank they explained to me my employer who is a registered incorporation can not be verified and my money can not be released despite the business being easily found on public records my employer can not issue me new checks due to the fact that they have been deposited in my account and the bank refuses to give me any other option on how to resolve this. i understand i should have been more aware about the dates on the checks but this doesnt mean i should lose every dollar ive earned and legally i dont know how to go about this can someone please help me im begging for some solution i everyone i spoke to is giving me no help
Product: Credit card or prepaid card

Two weeks ago I placed an order with a company that did not provide the address ; after paying for the products via PayPal, I found out the company was in XXXX not the US. I immediately cancelled this order online as this company, XXXX, has a 24 hour window to cancel the order. The company attempted to make me accept a " cash coupon '' and I continually refused. This account is now in dispute with PayPal but they are still asking for a payment to be made on this account even though this is in dispute. 
Dispute Case ID : XXXX Transaction Amount {$110.00} Dispute Amount {$110.00} Transaction ID : XXXX Transaction Date : XX/XX/2018 XXXX attempts to force me to keep this purchase by continuing to send the items even though I cancelled this order immediately. 
PayPal Disputes keep saying conflicting statements : we will refund you the money since you cancelled this order ; no, we will not refund you the money as we do not deal with buyer 's remorse ; FAX your emails to the company to PayPal at XXXX ; then no we do not accept fax. 
Thus, PayPal continues to request that I make payments on time when there are two ( 2 ) disputes that equals the balance. I am refusing the packages on these disputes ; however, it will take forever to get back to XXXX. 

PayPal continues to misrepresent the truth, will not give the correct fax numbers ; can not contact PayPal via the portal. This is an absolute mess. PayPal is horrible. It is far better to only purchase via XXXX not directly with PayPal.

It seems that PayPal knows many of the goods are defective and poor quality from XXXX and it is so very hard to secure a refund or return the products. 

Second Dispute XXXX XX/XX/2018 {$24.00} This item arrived on XX/XX/2018, I am refusing this item and giving it back to the post office unopened to send back to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

BEING A VICTIM OF AN IDENTITY THEFT, I HAVE BEEN TRYING TO REACH OUT TO THE BUREAUS AND TO THE COMENITY BANK REPRESENTATIVE. SOMEONE STOLE MY INFORMATION AND THE ACCOUNT AND THE CHARGES ARE THE FRAUDULENT. I HAVE SENT TO THEM ALL THE APPROPIATE DOCUMENTS THEY HAVE REQUESTED, I AM CONSUMER WHO HAS BEEN A VICITM OF THE IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

These late payments don't reflect my regular payment habits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone been using my credit applying for credit and adding accounts to my credit. In XXXX and XXXX I contacted the credit bureaus and tried to resolve this and they won't do it even when I filed the identity theft report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXE, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX This is information is fraud and not correct i want to remove from my credit report
Product: Prepaid card

Vanilla Visa prepaid gift cards are a scam. The cards get declined and are unusable. Calling the company accomplishes nothing.
Product: Student loan

It was difficult to make the payments they requested and my credit was affected. They also would not lower my interest rate. Also, I receive state health insurance for my children, a form of XXXX, but they would n't accept it for proof of XXXX.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX  XXXX was to be removed from my credit report upon account being paid satisfactorily. This account has since been paid and closed since 2019. I am confused as to why Experian is still furnishing this data when it has since been removed from XXXX and XXXX. Lastly, the information being reported, such as the payment history, and date last active is incorrect. Please remove this account due to the original agreement and for FCRA violations specifically 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). Please see the attached credit report.
Product: Money transfer, virtual currency, or money service

This complaint is against CashApp. My non-profit organization has an account that we were attempting to access after a sponsor transferred money into our account. CashApp requested new verification using a front/back scan of a driver 's license which do not work. 

After multiple failed attempts to scan the back of the license, we sent an email to CashApp Support on XX/XX/XXXX. They provided instructions for us to follow to reverify the account which we followed. However, we later received an email stating that we were being transferred to another department who could help further. 

We have followed up again on multiple occasions ( XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX ) via email and XXXX. 

NO ONE has called me yet from customer service! 

I now think that there is fraud involved as we can not access the account to cashout the {$1000.00} that is in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been more than a year that I have been dealing with this distress. On XX/XX/XXXX I pulled my credit report and realized that there were some incorrect information and errors on my credit report. I realized that my name was misspelled and the correct spelling to my name is XXXX XXXX. Please remove all other names listed on my credit report and keep the name stated above. The Next problem that I am having is the address that is listed, my correct address is XXXX XXXX XXXX XXXX, GA XXXX. Please remove all other address listed on my credit report. I have also noticed errors within the inquiries and an account that isn't mine. I am unaware of these errors and I demand that they're removed permanently as well as immediately with in 48 hours. I have never given anyone my consent to place any inquires on my credit report or consent to place any accounts listed on my credit report. Your company has violated my rights within the FCRA section 609,611,612,605B. I have taken legal actions and filed a lawsuit against XXXX, Experian, and XXXX in XX/XX/XXXX and I am willing to report back to a courtroom. I have won a few years ago. I am willing to go to court and make sure the errors are dismissed by the judge. I am seeking retribution for damages your company has cause me and my family totaling {$83000.00}. I have filed the lawsuit on XX/XX/XXXX and you should be receiving your subpoena to report to court soon. The hearing is set for XX/XX/XXXX at XXXX in XXXX County Court XXXX XXXX XXXX XXXX, GA XXXX. I am disputing the incorrect errors as an internal dispute and affidavit which takes a period of 5 days. I have been affected the recent credit breach with XXXX, XXXX and XXXX  where my information was leaked. I am a victim of identity theft where my information was used several times. I have also contacted FTC and filed a complaint as well and they're investigating your company as well. I am allowing 48 hours for your company to remove the inaccurate information. This my final good will letter to contact your company.