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

XXXX 2019-Current GM Financial My automatic payment had been stopped, without authorization by me ( was set up over the phone upon getting the GM Financial loan initially ). Apparently GM financial stops automatic payments after 20 months, and I was not aware. I logged into the GM Financial website randomly in early XXXX, and was told notified via the GM website that my account was past due. I entered my account/banking information to pay, thinking this was unusual but considered it a fluke since I had been paying automatically for YEARS. After I entered my payment, it said my payment was processing. 

I followed up by logging in today to make sure this month 's automatic payment would go through, and see that my last payment was never processed, and now I've been turned over to collections. I've never had a late payment on any of my accounts, and this is going to ruin my credit. 

Up until I had logged in and noticed my account status, I had NEVER been contacted. I spoke to a representative today who told me they had an incorrect number in my account, and had been calling an old number. 

I'm asking that GM Financial please remove this from my credit report, especially since their system for payment failed, and they failed to contact me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I received an email from PayPal that I had changed my email on my account. I did not, and have a two step verification process on my account to try and avoid this. It did not work. Strangely, in the next few hours 45 fraudulent transactions went through my PayPal account. I was notified through my email account that I had attached to PayPal. Before these transactions, I had a XXXX   balance in my account. 

When I realized what was happening in the morning, I logged into my account, changed my password, and reported 40 of the transactions as fraud.At this point my account suddenly had a negative balance of {$900.00}. These 40 transactions showed as completed in my account which was why I could report them as fraud. The transactions were both money coming in, and going out of my account. There were groups of transactions going to the same person. 5 transactions were pending, and were attempts to add money to my PayPal account, all from the same person. I was not able to report these since they were not completed transactions. I don't know if this is a legit actual person.

At this point I had already used the " contact us '' option which starts as a virtual assistant. I told them of the fraud, and asked them to resolve it. They said they were on it. 
Those five transactions that were pending did not get resolved. Me being logical, I figured since they were attempting to add money to my account, that I would refund the person, and it should cancel each other out. Wrong! Instead of reversing the transactions, they pulled the money from my checking account until it was at XXXX, and my bank declined the rest of the attempts. At this point I blocked PayPal from my checking account, my credit card associated with my PayPal account, and all my other credit cards just to be safe. 
It's now been over a month since the original transactions. PayPal shows online that most of these transactions were reported as fraud, they ruled in my favor, but my balance on my account has not changed. My account is now negative over {$7000.00}. I have tried to call. Waited online for 2 hours, finally had to give up. I have sent many messages. I've printed out around 20 pages documenting our communications. I have asked repeatedly to talk to someone from PayPal. No luck. Even when several of their reps have said someone would call me in the next 24-48 hours, no one ever does.

I am now getting emails from their collections department. Surprise! When I called the number they provided, I got someone on the phone! I have responded to their collections department several times. Each time I say all transactions were fraud, and I will not be giving them anything. All I want is my account to be at XXXX so I can close it! I can not close it due to the restrictions they have placed on my account. 
I am so frustrated! They are no help. I can't believe I trusted this service with my money. 
I am willing to provide any additional information or details if needed. I'm at a loss. Any help you could give me would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have six accounts that are showing up on my credit report they do not beloing to me they are not mine I have not applied or signed or used any of these accounts I need these accounts gone. 

XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$5700.00} OPened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$4100.00} OPened XX/XX/XXXX XXXX XXXX/XXXX- Acct # XXXX Amt {$0.00} Opened XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX Acct # XXXX Amt  {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX Amt {$860.00} OPened XX/XX/XXXX XXXX XXXX XXXX XXXX Acct # XXXX Amt {$1200.00} Opened XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account Number : XXXX Has Violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account Number : XXXX Has Violated my rights In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account Number : XXXX has violated my rights In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX Account Number : 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Several accounts are reported as closed on my credit report from Navy Federal Credit Union. These accounts contain either incomplete and/or inaccurate information. I have already taken the following courses of action to resolve this concerns with my credit report : 1. Filed a least one dispute for all listed items on my credit report from Navy Federal Credit Union with all 3 credit bureaus for inaccuracies. This yielded no result. All three credit bureaus reported that their information was investigated and deemed correct.

2. Called the institution for all account details to verify. Was informed that all accounts had been sold off to collections, and such information is no longer available.

3. After being given the contact information for the third party collections agency that purchased my debt, A phone call to a representative tells me that all internal information about the account before it was closed was not given to the collections agency, and I could have to contact the original creditor.

4. I contacted Navy Federal Credit Union via phone again, and was told the same thing. Apparently all account information the institution once had has been purged.

5. I composed a letter requesting all previous accounts ' information be disclosed in the form of a return correspondence via certified mail within 30 days of receipt of the letter. This letter was sent certified mail via USPS on XX/XX/XXXX, and received by the institution on XX/XX/XXXX. To date, as of XX/XX/XXXX, Navy Federal Union has not complied with the requests for disclosure I made in my letter.
Product: Debt collection

I m victim of a indentity theft! I have a XXXX XXXX  utility bill on collection which i never open. Account has been open on XX/XX/2022 and amout of the collection is {$420.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XXXX promised to remove the tradeline from my credit report ( XXXX XXXX ). There was no confusion XXXX plainly stated to XXXX  that the tradeline belong to XXXX XXXX. This was not a typographical error. In addition, In addition, XXXX and US Dept of Edu. reported to the XXXX back XX/XX/XXXX that the account was opened XX/XX/XXXX. I was not born until XXXX XXXX. Also XXXX, reports allegedly that the account was opened XX/XX/XXXX. Yet the Promissory Note in mention has a date of XX/XX/XXXX and XX/XX/XXXX. Please note this account created by XXXX, US Dept of Edu keep changing the narrative to try place these tradelines on my credit that does not belong. XXXX stated that loans were PURCHASED from US Dept. Edu and XXXX. There are XXXX different lines of false credit reporting remains on my credit. XXXX promised to remove their accounts but the are still there causing damage to my credit profile. The XXXX account was closed and was removed from my credit. The US. Dept of Education was also closed and at one point removed. XXXX and US. Dept. of Education has deliberately duplicated the accounts on my credit to over-extend / usage of Credit. The reporting is false. According 15 USC 1681 and 1681 ( i ) All reporting must be reported correctly and false reporting my be removed promptly. Please encourage these reporting agency to make the necessary corrections.
Product: Credit card or prepaid card

I purchased a laptop from best buy, XX/XX/XXXX, I then returned it on XX/XX/XXXX, I was told ins store that the person could refund the computer, but not the antivirus software that went with it ( free with computer ). I called XX/XX/XXXX to have virus software canceled, and asked if I would owe anything, I was told no since I didn't use software I wasn't going to be charged. On XX/XX/XXXX I checked to see if my bill had shown charges reversed for refund, they hadn't I called Best Buy and was instructed this was normal and it would reflect in a few billing cycles, the computer charges did. But what remained was a XXXX charge for antivirus software I never received or used, I proceeded to follow merchants instructions thinking this would be the same. I then was notified through credit reporting 2 months later, that my limit had decreased from XXXX to XXXX... I think immediately began repealing the process and found out I was never credited, until XX/XX/XXXX after a second phone call.. all which I can provide reference numbers for if need be. So basically my credit has been tarnished, lender is refusing to reinstate my credit, they are closing the dispute as the merchant refunded the money.. and now I'm told there's no guarantee.. into fixing the error since it wasn't a bank error.. I just want my credit fixed and my account back to normal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial is where my car loans is with. They are reporting bad information to the credit bureau 's they are reporting that I have been  XXXX   XXXX  days lat on my payments and I have not been my payments are due on the  XXXX  of each month and I have always been on time. As of this date they are reporting that I am one month behind and that is in  XXXX   XXXX  when I was in the hospital and had  XXXX   XXXX  in  XXXX  weeks I call from the hospital and ask for a deferral and was given that request. Yet I have called Ally a minus of  XXXX  times and they will not correct what they arfe reporting on  mr   and  my husband  XXXX   XXXX . I got Ally head quarters to send me a full History of all my payments and they only show that I was one time late bank in  XXXX . This stopping us from getting a mortgage on a home. I told Ally this and the lady saif then you have made your payment on time we will not change anything for you. Account numbers #  XXXX  + XXXX   XXXX   XXXX  I will fax to you the proof.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Duplicate Bankruptcy flings Entry on Credit Report Dear Sir/Madam XXXX I am writing to dispute a duplicate bankruptcy entry that appears on my credit report. Upon reviewing my credit report, I noticed that there are two instances of the same bankruptcy filing listed, which is inaccurate and misleading. I respectfully request that you investigate this matter and remove the duplicate entry from my credit report. 

Below are the details of the duplicate bankruptcy entry : Creditor Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX and XXXX XXXX Date of Bankruptcy Filing : XXXX and XXXX Court Name : XXXX XXXX XXXX XXXX XXXX I believe this duplication is an error, as there should only be one bankruptcy filing associated with my credit history. I have attached supporting documentation, including a copy of the official bankruptcy discharge papers, to verify that the bankruptcy was filed only once and has been properly removed. 

I kindly request that you promptly investigate this matter and remove both duplicate entry from my credit report. Please provide me with written confirmation once the correction has been made. 

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the above-listed contact information. 

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

I lost my wallet in college years back and my identity was used to open fraudulent accounts such as XXXX  and capital one and those creditors are refusing to correct or verify how those accounts were verified.
Product: Credit reporting or other personal consumer reports

According to XXXX, which is currently my student loan servicer, I have no student loan payment due at the moment. But last month, my credit dropped from XXXX points because XXXX reported late payments and increased balance. I called them to make sure, and they confirmed with me that my student loans are on deferment and my balance is zero.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX - {$5600.00} XXXX - XXXX - {$10000.00} XXXX XXXX - XXXX - {$240.00} XXXX - XXXX - {$2200.00} XXXXXXXX XXXX - XXXX - {$940.00} XXXX - XXXX - {$0.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Vehicle loan or lease

CA has been calling on weekend and never calls on weekdays. 

CA has been harassing me with unlawfully repetitious collections calls, and overcharging me on their deficiencies. 
They sent my voucher book to the wrong address in XXXX. Charged me {$25.00} late fee. 
During the pandemic promised to freeze the late fees but called every week on sunday and harrassed. Until I told them When I bought the car I was rushed by the sales man and nothing was mentuoned about the high interest fee. 
borrowers were subject to hidden finance charges because of which the companys loans exceeded the usury rate ceiling of 21 %. 

Credit Acceptance violated state consumer protection and debt collection laws and regulations.It was alleged that Credit Acceptance made unfair and deceptive auto loans to thousands of consumers in NY, provided investors with false or misleading information regarding auto securities they offered, and engaged in unfair debt-collection practices.Healey said in a statement, Thousands of NY consumers, many of them first-time car buyers, put their faith in CAC to help them with an auto loan, but were instead lured into high-cost loans, fell deeper in debt, and even lost their vehicles.Per this lawsuit, since XXXX, Credit Acceptance failed to inform investors that the pools of loans that were packaged and securitized were topped off with higher-risk loans despite claiming otherwise to investors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. I am a single mother who is also an XXXX. 
This damage to my life has caused my little XXXX XXXX   additional damage. 
I have filed a police report and used your Federal Trade Commission affidavit. 
I feel all alone here. 
These companies like XXXX XXXX, Equifax and XXXX  are reporting things against me they can not substantiate. 
What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with PORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX  ) with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time. There is no payment report in my XXXX XXXX  XXXX, I would like to request for complete payment on this. Also, the balance says that I have XXXX balance. I'm not sure if the XXXX Bureaus have conducted a thorough investigation.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to SYNCB/PPC for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union, XXXX and XXXX are ignoring my requests to investigate and remove accounts from my credit reports that do not belong to me.
Product: Credit reporting or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXXXXXX 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 an 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. Account need to be removed from report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  CONTINUE TO VIOLATE " FCRA '' SECTION 604, 605,607, 609 AND 623 ( a ) with reporting accounts not mines and sent in letter and document proof 2x from creditor stating the same to remove accounts errors from credit file " NOT MY ACCOUNTS '' ... '' XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX XXXX, XXXX '' ... REMOVE ALL FRAUD ACCOUNTS
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. Im asking that you send your method of investgation along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the accounts to PAID/NEVER Late and send me a copy of my updated credit report. 
XXXX XXXX XXXX  Opened XX/XX/XXXX never 60 days Late XX/XX/XXXX This account is showing that I was 60 days delinquency XX/XX/XXXX without any prior deliquency for any other prior months XXXX XXXX XXXX  Opened XX/XX/XXXX never 60 days Late XX/XX/XXXX This account is showing that I was 60 days delinquency XX/XX/XXXX without any prior deliquency for any other prior months therefore all reported deliquency needs to be updated and all lates be removed immediatley. This is a clear FCRA violation and a violation of my rights I need these accounts to report paid as agreed never late. I have provided copy of my most credit report that I received. Please update immediately because this is effecting and harming my opportunity to make home purchase.
Product: Debt collection

I went into the sun trust bank and talked to XXXX regarding my dad being deceased. I told him just informing them of deceased he called the mortgage department and than started demanding payment from me ... I told him I have no money I am not taking responsibility of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX informing me that there was a recent change to your information so I reviewed it and noticed that Nordstrom was on there and I never applied for no credit card. I immediately called them and they validated that it was me and that all my information was used based on what would be on my drivers license the lady said and they knew my whole SSN. I informed her to mark it as fraud and she did according. The lady informed me to call Social Security but they said there is nothing they can do for me and to call the credit bureaus. I called them and since I have an active fraud alert on my account they advise that I freeze my account for every single one which I had done.
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 XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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  BANK XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXBANK XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/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

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and