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

I am writing to file a formal complaint against GM Financial for an error on my account that has resulted in an incorrect late payment being reported to my credit file. 

I have always maintained an excellent payment history with GM Financial, and I have never been 30 days late on any of my payments. On XX/XX/year>, I made a payment of {$600.00} after switching to a new bank to ensure that I would not have any late payments. However, on XX/XX/year>, I received an email from GM Financial stating that the payment had been returned. 

I immediately contacted GM Financial to understand why my payment did not go through. The representative informed me that the issue was with my bank. I then contacted my bank, which confirmed that the funds were still in my account and that no issues had occurred on their end. Upon informing GM Financial of this, their representative acknowledged the issue but suggested I try to resubmit the payment. However, I was warned that a late payment might still be reported due to the system 's automatic reporting processes. 

I requested that GM Financial make a note of this error and ensure that no late payment would be reported, given that it was a system error and not due to any fault of mine. The representative, however, stated that I would need to contact XXXX directly if a late payment appeared on my report. 

Despite my efforts, a late payment has now been reported, significantly affecting my credit score. Upon contacting XXXX, I was informed that GM Financial provided me with incorrect information and that GM Financial had the ability to correct this error before it impacted my credit report. 

I am requesting that GM Financial immediately remove the incorrect late payment from my credit report, as it was a result of a system error and not due to any failure on my part to meet my payment obligations. 

This situation is having a severe and unjust impact on my credit standing, and I believe my consumer rights have been violated as a result of XXXX XXXX handling of this matter. 

I have attached my payment history as proof that I have never been 30 days late on any payment. I respectfully request the CFPB 's assistance in resolving this issue and ensuring that GM Financial corrects the error in a timely manner. 

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

Someone is trying to apply for a personal loan to One Main Financial using my personal information. My credit reporting system shows there was a hard inquiry for this financial institution. Its been tried 3 times on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  and recently XX/XX/XXXX. I have no interest in applying for any type of personal loan.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Equifax on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. 
There are breaking Federal law, According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
So I then asked them to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure. 
A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than XXXX  days after receiving a request from the consumer for that description. 
But they did not do that as well either. 
They are also breaking these laws as well below According to 15 USC 1681i ( 5 ) it states this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me XXXX who else they are doing this too. Can you fix it.
Product: Mortgage

This servicer paid an insurance bill out of my escrow account on XX/XX/2021 that was not even associated with this property due to their carelessness and negligence. I have repeatedly called them to let them know of this issue, and repeatedly sent them information showing that I never changed my condominium insurance from XXXX. First, they rejected the proof that I submitted showing that I never changed policies. Second, I had XXXX directly update them again that the policy was not changed. Third, they briefly updated this on their system, and then again reverted back to the system showing that I have coverage with XXXX. 

I never had coverage with XXXX for this property. What they did was simply look at the mailing address on the property and paid the premium without taking basic precautions and due care to note that the policy was not even for this property but rather for a property in Virginia, serviced by SLS. I honestly can not fathom this level of carelessness. An escrow account is managed in trust for the mortgagor. By simply skimming through the policy that they paid out they would have noticed that it was neither a policy to insure this property, nor a policy even issued in the State of Florida. 

I went ahead and just paid the escrow shortage of {$560.00} today ( XX/XX/2021 ) that they created because dealing with them has been exhausting. The payment confirmation number is XXXX. Even just getting through to them on the phone is like battling with Goliath since it is an endless maze of options in their phone tree with the sole intent of making it as difficult as possible to get through to an agent. 

When I called and informed them of this issue they said I had to deal with it through XXXX, even though CMC was the entity that negligently paid this premium. It shows even more that they do not abide by basic fiduciary responsibilities of managing an escrow account. 

I am attaching proof of : ( a ) the negligent {$560.00} payment on XX/XX/XXXX ; ( b ) confirmation of the {$560.00} I paid today, XX/XX/XXXX ; ( c ) confirmation of the XXXX policy for this property ( we even had XXXX reissue it as a courtesy to get you all to acknowledge it, but you all still didn't ) ; and ( d ) a screenshot showing that they still display the insurance for this property as being through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent hard inquiries were made on my credit report that I did not authorize nor knew of. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have filed several disputes with EXPERIAN, XXXX, an XXXX  and I have received no answers.
Product: Credit reporting

I received a letter from US Office of Personnel Management stating I was a target of malicious cyber intrusion, therefore qualify for credit and identity monitoring services. 
I went to there website XXXX provided by ID Expert. I pulled up the XXXX credit bureaus report and noticed Equifax was once again reporting inaccurate information in regards to my credit to debit ratio. As of XXXX/XXXX/15 Equifax is reporting my revolving credit usage at 74 % which is inaccurate my revolving credit usage is currently at 50 %. Equifax is refusing to provide an explanation in regards to how they are coming up with 74 %. Both XXXX and XXXX XXXX are showing the correct figure 50 %. Equifax is showing my revolving credit limit at {$15000.00}, the correct revolving credit limit is {$22000.00}. 
Due to my race XXXX XXXX Equifax is purposely lowering my credit score by not reporting the correct credit to debit ratios. I have filed numerous complaints with your organization against Equifax in regards to this practice and to date CFPB is refusing to take action on behalf of the consumer and provide protection against Equifax discriminatory practices of intentionally lowering the credit scores of XXXX XXXX. 
Therefore, I will also have to file a complaint with the White House in regards to CFPB refusal to provide assistance to stop this practice.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, XX/XX/2023, and XX/XX/2023 the companies of XXXX And Transunion were contacted numerous times regarding the removal of hard inquiries on my credit report. XXXX and Transunion has failed to delete or perform a reasonable investigation of my dispute and have failed to respond. According to 15 U.S.C 1681 there should not be any damages on my report this is a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed an identity theft claim with Uplift regarding a travel loan that was taken out in my name without my consent. I also forwarded a police report that I filed with my local sheriff department on XXXX XXXX, 2022. I spoke on the phone to an Uplift fraud analyst to answer questions regarding the circumstances regarding my claim. On XXXX XXXX, 2022 I received an email from Uplift stating that my identity theft claim was approved and that the charge-off for the fraudulent loan would be corrected in XXXX business days. On XX/XX/2022, I checked my credit report and saw that the loan charge-off was still on my credit report. On XXXX XXXX, 2022 I contacted Uplift again via telephone to find out what the status was on the removal of the fraudulent account. I was told to forward a screenshot of my credit report showing the information. I did so that same day and included a copy of the email that Uplift sent approving the ID theft claim and stating that the account would be removed in XXXX business days. As of today XXXX XXXX, 2022 I have not received any update on the account removal and to my knowledge it is still on my credit report. Having this account on my credit is greatly hindering my ability to purchase a home for the first time in XXXX XXXX and because of my status as a military member, this credit information is endangering my security clearance and potentially my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit companies are not complying with their own policies in a timely manner. 
Account XXXX. XXXX XXXX XXXX {$850.00} Account XXXX. Capital One {$800.00} Account XXXX. XXXX  XXXX {$700.00} Account XXXX. XXXX XXXX Ive sent Several dispute demanding proof of investigation, and these credit companies have broken tons of laws!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is erroneously reporting I have an account open and only provided negative information painting my payment history in a negative light which has directly caused me to be declined by XXXX XXXX for a loan consolidation in XX/XX/2017 on an account for which Ive timely paid for 5 years and over $ 100K.
Product: Credit reporting, credit repair services, or other personal consumer reports

SST/XXXX is erroneously reporting debt on my credit file. I had a charge off with them that had been settled in XX/XX/2015and now they are reporting a balance on that charge off? I never received any notices or calls about this debt and it should not be reported to my credit file as i have settled my debt with them. I have attached a clip from my credit report where you an see this account and that i do not owe them any debt. I need it removed from my credit file.
Product: Debt collection

I have been out of the country of the past 10 years. 
I checked my credit to make sure its okay as am planning to come back home soon. 
and I found a collection comment on my credit report for California Department of consumers affairs for the amount of {$750.00} the same was forwarded to Rash and Curtis and associates for the amount of {$1200.00}!

I called Rash & Curtis Office and asked them to give me an idea or details of this collection and what is it about. The representative told me that it was for a citation for XXXX XXXX company and asked me if I knew them. I told him that I worked for them long time ago as a XXXX  and I was never aware of any citation or violations. and I asked him to give me more details of the incident as I truly don't remember anything of that sort. Furthermore I told him that if he can provide me with proof, then I will take responsibility and pay the fine but if its not then I want to dispute it and have it removed off my credit report, He refused to give me any details and continued asking me to pay and I refused and informed him that I want to get legal consultation on how to resolve this issue. 
I emailed Rash & Curtis and associates to minute the phone call and requested them to provide the details or record of the incident that proves my responsibility to it. 

Below is copy of my email sent to them. 

Case number Acct XXXX XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX  ( 23 hours ago ) to XXXX Dear Rash & Curtis client service department. 

I called your office today XXXX XXXX to question a collection note that i noticed on when i pulled my credit report yesterday. 
The note was for consumers affair in the amount of {$750.00} and then forwarded to Your office for collection in the amount of {$1200.00}. 
I dont have any idea what is this claim about. 
When i asked your representative who answered my call he informed me that its for a citation for XXXX XXXX and if I knew them. 
I answered him yes, i worked for them long time ago as a XXXX  and i never received any citation and dont know anything about it. 
I would like to request a record of the incident to understand how was this citation transferred to my name and the way to dispute it and get it removed off my credit report. 

Please send me any record of violation or citation for this claim so i can understand and further address this issue. 

Best Regards XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Consumer Financial Protection Bureau Complaint - Removal of Non-Mailable Address Dear TransUnion Consumer Dispute Center, I am writing to dispute and request the immediate removal of a non-mailable address from my credit report. The address in question is as follows : XXXX XXXX XXXX XXXX XXXX, CO XXXX I want to highlight that XXXX  no longer reports this address, and its inclusion in my TransUnion credit report poses a potential identity theft risk. To safeguard my personal information and maintain the accuracy of my credit report, I kindly request TransUnion to promptly remove the non-mailable address mentioned above. 

I am requesting a thorough investigation into this matter and expect confirmation of the removal, sent to my address listed above. Your timely attention to this issue is appreciated, and I anticipate a resolution within the stipulated time frame. 

Sincerely,
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Service Team, I am writing to submit a formal complaint regarding the permanent limitation placed on my PayPal account. I believe this limitation was placed by mistake, and I would like to appeal this decision. 

Firstly, I would like to stress that I have not violated any PayPal policies or terms of service. Therefore, I find it unfair that my account has been permanently limited without any justification or explanation. 

I understand that PayPal 's policies are in place to ensure the safety and security of its users, but I am confident that I have not engaged in any behavior that would warrant such a drastic action. I have always followed PayPal 's policies and have conducted all transactions in a transparent and honest manner. 

I am requesting that PayPal re-investigate my case and review my account 's activity once again. I hope that this will lead to a reversal of the decision and the restoration of my account. I would also appreciate it if you could provide me with more details about why my account was limited and what specific policies I have violated, if any. 

Lastly, I would like to confirm that the email address associated with my PayPal account is XXXX. I kindly ask that you contact me using this email address for any further communication. 

Thank you for your time and consideration. I look forward to hearing back from you soon. 

Sincerely, [ XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

ADVANCE AMERICA LOAN NO. XXXX On XX/XX/XXXX I made a full payment in the amount of {$1000.00} with my XXXX Debit card. Payment was accepted. Two days later, I went to the local office to take out another loan and to my surprise, my account did not reflect the payment I made on line. I called customer service and explain the problem in detail, the agent informed me that she would forward the problem to her IT department to investigate what happen to my debit card payment and someone would call me back with the answer. NO ONE CALLED ME. Also keep in mind that I sent to messages via Adv. Amer. website and to this date no one has replied. I called on Tuesday morning and was told by a second agent that the payment failed and was not processed. I was very upset but at least had the answer so this time I used my XXXX checking account to make the payment which was now over {$1100.00} ( paid additional interest for Adv. Ame. XXXX UP ) The money was taken from my XXXX account the same night XX/XX/XXXX and the Adv. America shows XXXX balance. 
Today XX/XX/XXXX I went to take out another loan and was told that the " payment was still in process '' and I had to wait 3-5 days to be able to borrow again. I was never given the opportunity to call XXXX to confirm that Adv. American had been paid. I made a third call and this time I spoke to a supervisor and she did not do anything to resolve this issue and refuse to do anything about the additional interest I had to pay through no fault of mine.
Product: Credit reporting or other personal consumer reports

I believe that the above actions or omissions directly contravene the provisions of 5 U.S.C. 552a ( b ), which states that federal agencies must ensure the confidentiality and integrity of individuals ' personal information and protect against unauthorized access or disclosure. 

I kindly request that your agency conducts a thorough investigation into this matter to ascertain the extent of the Privacy Act violation and take appropriate corrective actions to rectify the situation. I also request that you inform me of the steps taken to address this issue and prevent similar violations from occurring in the future. 

Please provide a written response to this complaint within 30 days, as required by law, acknowledging receipt of this complaint and outlining the actions taken or planned to address this matter. 

I take this matter seriously and trust that your agency will give it the attention it deserves under the provisions of the Privacy Act. 

This is no 3rd party I am real human.
Product: Checking or savings account

My account with PNC bank # XXXX was closed in XX/XX/XXXX. I have tried to reach the bank on several occasions over the past years without any concrete reason. 
XXXX XXXX- i was told by a customer care rep named XXXX on the phone that it was put in a security hold and i should contact the number which she gave me and i did with no one answering the phone. 
On several occasion 's i have been to the branch XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX and i have been told different stories. 
XX/XX/XXXX, XXXX i got an email to say my account has been reactivated with the balance shown and i should fund the account to avoid closure. Within the hour another email to say the account is closed and by balance would be sent to me in a Cheque. 
XX/XX/XXXX, XXXX i went into the branch to inquire why i have not gotten my money and a proper explanation as to why my account was frozen and XXXX communication over the years and the staff XXXX XXXX XXXX to make a report as she was told over the phone by the banking service and for whatever reason her computer stopped working and had to get the branch XXXX XXXX XXXX who told me to expect my check in the mail and oddly offered to shred the account documents i had with me. I refused and told her i will do so when i get my account balance. 

XXXX is XX/XX/XXXX not a phone call, not a check.
Product: Debt collection

I received a notice from a debt collector. Upon receipt I promptly wrote a letter asking for details regarding the validation of the debt as I was unfamiliar with the creditor and the amount. In my letter I disputed the debt and specifically told them not to contact me except to provide the information requested in the letter. I have not received a response, but shortly after sending the letter I started receiving regular " auto calls '' to call the debt collector saying it was important that I call if I did not want them to start " proceedings ''. The recording also said if I didn't identify myself they would assume they had reached the right person regarding the alleged debt. I have received no letter of validation or the requested information despite my request. However it has been less than 30 days since I received the notice and sent the response.