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

Transunion did not get my written permission to furnish any of the unauthorized accounts or inquiries that's in the letters attached to this complaint. Pursuant to 15 USC 1681b2 ... a consumer reporting agency can only report in accordance with the written instructions of the consumer to whom it relates. I consider this to be identity theft and CFPB states that identity theft is when someone uses your name, number, date of birth, or other identifying information without your permission. I did not give any consumer reporting agency Authority to report any of the items listed in my attachment. Furthermore Transunion continuously fail to properly investigate disputed accounts, collections, and inquiries in accordance with15 USC 1681a e. Furthermore, as proof of the violations of my rights, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. These are the 12 exceptions : Need to Know within Agency, Required FOIA Disclosure, Routine Uses, - Bureau of the Census, Statistical Research, National Archives, Law Enforcement Request, Health or Safety of an Individual, Congress, Government Accountability Office, Court Order, Debt Collection Act. None of these would apply to me because none of the lawfully procedures were taken to validate these alleged accounts and inquiries. I ( the consumer ) have never validated any of the item listed in my attachment.

The Debt Collection Act states No agency shall disclose any record which is contained in a system of recordsexcept pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless the disclosure would be to a consumer reporting agency in accordance with section 3711 ( e ) of Title 31. 5 U.S.C. 552a ( b ) ( 12 ). It also goes on to say It authorizes agencies to disclose bad-debt information to credit bureaus. 31 U.S.C. 3711 ( e ) ( 9 ) ( F ). Before doing so, however, agencies must complete a series of due process steps designed to validate the debt and to offer the individual an opportunity to repay it. None of the lawfully procedures were taken to validate these alleged accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Completed dispute With Equifax regarding a collection account showing on my report. Creditor/collection agency requested deletion of account from report. I sent this letter in with my dispute to have the item removed from my report. Equifax investigation results did not update properly and delete item from report. They simply updated the item. Debtor is XXXX XXXX XXXXor XXXX XXXX. The item has still not been deleted from my report even after this has been submitted in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : equifax information services, XXXX, and XXXX XXXX XXXX collection account in the amount of {$1300.00}, disputed with company but it remains on my report. 

CA state 's Code of Civil Procedure 337 states no debt can be collected after 4 yrs. 

Account was opened XXXX of XXXX, passing the statute and should be removed from my credit report completely.
Product: Credit reporting or other personal consumer reports

XXXX {$4900.00} This account is missing information. The credit bureau must report complete and accurate info according to the laws. 
XX/XX/XXXX through XX/XX/XXXX the data and payment history is missing. This is an inaccuracy. 
Theres a charge off listed XX/XX/XXXX and XX/XX/XXXX. This is not legal and inaccurate. Wheres the 30 day late? Where the 60 day late? Wheres the 90 day late? Wheres the 120 days late? These must come before an account is charged off.
Product: Payday loan, title loan, or personal loan

I applied for this loan at XXXX. I was approved in the store drove off with the car. 

I was sent approval notices from ally on the same day. Both notices reflect a different score. My credit score was altered by Ally just to give me this loan. 

I made payments until I noticed Ally financial was shelving a portion of my payments. They were not reported properly with credit agencys and now my credit is severely damaged. 

When I notified this company that I was aware of this a man with a tow truck came to steal it. I was not given collection notices. I received two calls asking for payment at which time I stated I was waiting for them to reply to my certified mail. In that mail correspondence I inquired about the payments I made being split up on there accounting records and asked why none of it was being applied toward the principle. 

I contacted the district attorneys office in XXXX XXXX and still have not received a response. I also sent many letters to XXXX XXXX because I could not get help here in this county regarding this company. 

As you know XXXX started a XXXX dispute and my situation is a prime example of that pattern with this company. 

Please see evidence attached.
Product: Consumer Loan

I bought a new VW car through VW Credit in XXXX. The contract allowed extra monies paid over the payment amount to be applied toward the principle. VW Credit changed the contract without notifying me and began to apply the extra monies paid over the payment amount toward future payments instead of toward the principle, allowing them to continue to accrue interest even though more money was paid down. I only learned of this after not receiving a monthly bill. I phoned on XXXX/XXXX/XXXX to inform VW of the missing bill, which is when the representative informed me of the change in policy. The representative informed me that the only way to have the excess money applied toward the principle from now on was to phone VW Credit each and every time a payment is made and inform them to apply that month 's excess amount toward principle. The average wait time to talk with a representative has been twenty minutes in my experience, plus the actual phone conversation time. With this representative, I requested that the two payments I made have the excess money applied toward the principle, as per the " new '' VW policy, and requested that he make a complaint about their new policy on my behalf. The representative said he would. I checked my account on XXXX/XXXX/XXXX and found that no adjustment to the principle was made and that it shows my next payment due in XXXX of XXXX, which means that VW Credit is still applying all extra monies toward future payments, against all my wishes, and still charging me interest on the full loan amount. I sent in a written complaint to VW Credit through their website about these deceptive practices. So far I have gotten no response, nor have I received any written notification of any policy or contract change. First VW cheats on its environmental requirements with its TDI diesels, now it cheats on its financial dealings with customers. This is a breach of contract, and VW Credit should not be allowed this offense.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this, is to dispute all 11 an unauthorized inquiries on my credit report. 
XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX - ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above.

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act.

Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied w
ith my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

A consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX XXXX XXXX XXXX XXXX ( A ) ( XXXX ) 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. I have recently sent Experian XXXX and white validation of the inaccurate, incomplete information that they are reporting on my consumer report and they have failed to uphold the responsibilities governed to them. How and the XXXX can I provide you with printed, highlighted proof showing the inaccuracies and you still " verify '' the inaccurate reporting. Then send me an updated dispute result just for me to see nothing changed. I will be pursuing civil litigation between all the CRA 's and possibly CFPB because what are y'all doing? 
XXXX XXXX ( XXXX ) I previously attached a copy of a letter sent to me from the creditor. Experian is reflecting XX/XX/XXXX as the open date, however the creditor clearly states XX/XX/XXXX was the open date. Experian also failed to input a closed date which is critical in verifying the accuracy of their data. XXXX XXXX  XXXX ) I previously included a CFPB complaint response in which the company clearly states they will have the XXXX delete this account however the account has only been " verified as accurate '' XXXX XXXXXXXX ( XXXX ) I also attached a copy of a letter that was sent from the furnisher of this account that they obtained from the original creditor in which experian reflects XX/XX/XXXX as the date XXXX acquired this account XXXX the original creditor states XXXX acquired this account XX/XX/XXXX. XXXX ( XXXX ) This account is still reflecting incompletely. Experian has failed to input the date of closing for this account! How am I supposed to cross reference the accuracy of the information if the account is not 100 % complete? XXXX has made it clear the account was closed on XX/XX/XXXX however due to experian not inputting all the data for this account I would not have known it! 
All the attachments mentioned can be found in complaint ( XXXX ) The following accounts listed needs to be deleted, the rights afforded to me as a consumer have been violated these listing are a breach of my privacy! 

XXXX XXXX XXXX ( XXXX ) XXXX  XXXX ( XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX OF XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX  ( XXXX )
Product: Debt collection

I 've sent this company proof of the insurance I had at the time of this debt as well as proof of my proof of XXXX yet the company continues aggressive collections
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Debt collection

Florida law does not allow credit card companies to call more than once a day. These guys keep calling all day long. Here 's today 's log on our phone log - Sat. X/XX/17 Citibank - XXXX ( while everyone is sleeping, no phone message left XXXX Citibank - XXXX ( no phone message left XXXX Citibank - XXXX ( no phone message left ) Citibank - XXXX XXXX no phone message left )
Product: Student loan

Hello, I have a student loan with  Navient  for approximately  XXXX . I have a family member who co-signed on the loan for me and I have been trying to get him removed. When they pulled my credit report there is an old judgment from  XXXX   XXXX  from    2011. I had  my wages garnished until the loan was paid in-full and closed. This is the ONLY thing negative on my report. I desperately have been trying to get this removed and have had no success. It 's been 7 years! Do n't they have to remove it at   7  y rs? I will do whatever it takes to get this removed. It has cost me my relationship with my brother and his family.   Please help!
Product: Credit reporting or other personal consumer reports

this is my 2nd attempt sending letters XXXX, to the CRA 's XXXX, XXXX, AND EXPERIAN about reporting inaccurate information on my credit report.i have informed them of the inaccurate information, per 15 usc 1681s-2b and they have not deleted it which is a violation of the FCRA. I am requesting that they delete the information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After disputing an extremely old out dated XXXX account that suddenly reappeared on my Equifax credit report, Equifax erroneously determined that the information was appropriate and verified that the information being reported was correct ( with, as stated by Equifax, " minor corrections '' ). This account was closed and discharged by XXXX close to a decade ago ( XX/XX/XXXX ) and has no business being reported on any of my credit reports. The payment information being reported by Equifax is an outrageous fabrication. Particularly, that I made monthly payments to this account from XX/XX/XXXX through XX/XX/XXXX and then there being reported that I stopped making payments starting in XXXX of XXXX through XXXX of XXXX. There has been absolutely no payment activity on this account during this period of time at all! Therefore, this is a blatant and flagrant violation of state and federal laws. To further prove their incompetent reporting, Equifax erroneously reports that the " Date of Last Payment '' was " XX/XX/XXXX '' and then also reports the " Date of 1st Delinquency '' as also being " XX/XX/XXXX ''. However, I have made no payments to this account for over a decade now and the account was closed XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Company : Balance Credit Product/Service : Personal Installment Loan Issue : Debt collection, Credit reporting Details : I am writing to submit a complaint against Balance Credit for their inaccurate credit reporting and debt collection practices. Despite my previous disputes and requests for validation, Balance Credit has failed to provide adequate evidence to support the debt. 

Balance Credit 's response on XXXX XXXX, 2024, failed to address my concerns and provided contradictory information. They claimed to have investigated the matter, but their investigation was inadequate. They failed to provide any evidence to support the debt, and their response raised new questions about the ownership and status of the loan. 

I dispute the debt reported by Balance Credit to the credit bureaus, as I do not owe this debt. Balance Credit has failed to investigate my dispute and has continued to report inaccurate information to the credit bureaus. I request that the CFPB take immediate action to : - Investigate Balance Credit 's credit reporting and debt collection practices- Require Balance Credit to correct the inaccurate information reported to the credit bureaus - Hold Balance Credit accountable for any violations of federal law Additional information : - Account Number : unknown - State : XXXX Thank you for your attention to this matter. 

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

To Whom It May Concern, I am writing to formally lodge a complaint against XXXX XXXXXXXX XXXX XXXXXXXX XXXX and National Credit Systems, XXXX, XXXX XXXX XXXX regarding their inaccurate reporting of a debt that does not belong to me. The reported debt of {$6500.00} has been erroneously attributed to me and has been adversely affecting my credit profile for an extended period. 

In XXXX 2022, I entered into a corporate lease agreement with XXXX XXXX XXXX XXXX XXXX for my Airbnb business, which did not include a personal guarantee. Attached herewith is proof of the original lease application clearly indicating the business nature of the debt. It is imperative to note that this debt pertains solely to my business and should not be reflected on my personal credit report. On top of the fact that this was a business debt, this debt was for a business I do not own, I was just a member of the business completing the application as authorized. 

I hereby request that all major credit reporting agencies promptly remove this inaccurate data from my credit report. Additionally, I am seeking compensation in the amount of {$1000.00} for the inconvenience, financial hardship, and violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my direct disputes and requests for investigation, the credit bureaus have failed to conduct proper investigations and update their records accordingly, further exacerbating the financial impact and stress caused. 

I expect a thorough and expeditious investigation into this matter, compliance with FCRA guidelines, and prompt resolution of the inaccuracies on my credit report. Please acknowledge receipt of this complaint and provide me with a timeline for resolution. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Today i pulled my credit report and discovered that this company has reported that I owe them a debt. I never received any notification from this company and therefore my rights were violated
Product: Credit card or prepaid card

I have been checking my credit report for months now trying to refinance my house. 
Everything was okay with my XXXX Credit Report but when my bank pulled my XXXX Credit Report they found a credit card with CITI XXXX XXXX XXXX. 
This card was opened in XX/XX/XXXX by a man I lived with for 4 months and put me down as an authorized user on this card without my knowledge. I consider this fraud because I never gave him permission to put me on the card. I want my name removed from this Citi Card and taken off my Credit Report. If I have to file charges then I will do so. I have been working on my credit report for over a year now and this happens. Help me get this off my credit report. I don't understand how someone can just call up and get a person on a credit card without their permission. I called the Citi Credit Card Company and they are telling me that he has to call and take me off the account. What are you kidding me!!! 
He has filed bankruptcy on this card and it is closed. This does not make any sense.
Product: Credit reporting or other personal consumer reports

I sent Experian a ID theft report showing fruad on a XXXX XXXX Account, account XXXX XXXXXXXX. I have stated numerous of times that this is a fraudulant account, I have asked them to provide me with proof that this is my acount. They have yet to provide me with any prrof but yet they state its verified.
Product: Debt collection

XXXXCBNA a creditor, has recently reported a charged-off account that was closed for over XXXX years. This inaccurate reporting has caused financial hardship, negatively impacting my credit and hindering my ability to secure new employment. I request an immediate review and removal of this account from my credit report.
Product: Consumer Loan

A notice of intent to repossess was sent XXXX XXXX, 2016 with date of XXXX XXXX for payment from ( XXXX Byrider- CNAC ) car was a payment behind. The car was taken in the middle of the night XXXX XXXX, 2016 before said date without notice. Owner with the next morning XXXX XXXX, 2016 concerning car, information was given as to want was need to get the car back, the owner complied with the required funds and insurance need. Same day, lender made the owner belief he would get car back, but later came and give a knew requirement after the first was met. Owner had been in dealership all day and at the end of the day told him he would not get the car. The office staff did not communicated with owner properly which cause him great emotional stress ; owner request release of personal property which included his medication and was refused he became very upset and was told to leave the property without his personal property. Day two XXXX XXXX, 2016, owner call office concerning the car telling them he has the additional funds they wanted and was told he will not get the car back, owner has paid over {$4000.00} toward the car. XXXX who is a XXXX time buyer and inexperience in dealing with loan sharks company like ( XXXX ByRider- CNAC ). A request for financial information of payments made and personal property on day two was made and no one informed the owner nor his mother that he need a written notice to get the information and his personal personal items. Owner wanted his mother to pick up personal items because he did not want to go back to the office because of want happen the day before. Personal item was not release. One of the office staff waited until the manager had left and took the paper that was given to mother and destroyed them and refuse to release anything. The customer service and the manner in which this case was handle is not exceptionable. I was told by one of the staff member that XXXX Byrider laws and regulation concerning consumer rights are different then other financial company. It is my understanding that the consumer has certain right also. The owner has missed two days of work because of no transportation.