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

Under FCRA XXXX5 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within XXXX business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022 I reviewed my consumer report and noticed incorrect accounts, hard inquiries, and personal information that is being furnished without my consent. I have contacted XXXX, XXXX, and Transunion several times about this matter and my concerns. XXXX, XXXX, and Transunion have continued to violate my rights under the FCRA and have committed identity theft. The three credit agencies have caused me personal and actual damages because of the incorrect information they have been reporting. I never gave the credit agencies any verbal or written consent to report anything on my consumer report. I have attached the following letters to resolve this matter. Furthermore, I demand to opt out of any arbitration clause. 
1. Personal Information Update Letter.

2. Permissible Purpose Letter.

3. Opt Out of Arbitration Letter.

4. Debt Validation Letter.

5. Concerning Late Payments & Hard Inquiries Letter.

6. Proof of Information Furnishing Damages. 
7. XXXX Communications. 
I have enclosed a copy of my ID and Utility Bill showing proof of address, so the credit agencies CAN NOT say or try to pause this investigation. To conclude the reporting agencies are reporting furnished " charge-offs '' which is a direct violation of Tax law pursuant Title 26 USC. A charge off is considered " income '' which would be considered incorrect furnished information. 1099A has been reported to the IRS for the following companies I " am disputing for audit. IRS Publication 4681 - canceled debts, foreclosures, repossessions, and abandonments.
Product: Credit card

On XX/XX/2023, I received a text message indicating that possible fraudulent activity could have occurred on my account ending on XXXX. I called the number, and they made me go through a verification process, where I was asked for my license and a video of my face. I did all, then called the number and the agent took notes, cancelled the card, and issue a new one ending on XXXX. After I received the card in the mail, I could not access the card, I could not access the account on the internet. I called again and another agent made me go through the same verification process. After an hour on the phone, she transferred me to a supervisor, who took care of me to actually make take card payment. I was assured that all was in order, this was not the case, I could not access my card information on the internet, and I again received a text communicating the possibility of fraud. I called a third time and went through the process again and to no resolution. At this point, I do not know what charges are on my account, as I have no way of checking. The card I received does not work either. 
I am not allowed to make payments, so my credit score may be affected, and it is not my fault.
Product: Credit reporting or other personal consumer reports

In Accordance of the Fair Credit reporting act.The account below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXXXXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy And according to 15 USC 1681eb they are supposed to ensure this 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. 
15 USC 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 7 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting I own {$350.00} and a collection company XXXX try to collect. 
I dont own anything to XXXX and I dont have any contract with the collection company. 
They also report a second collection also from XXXX. XXXXm including XXXX case numbers. 
XXXX XXXX On this account number is a different amount {$350.00}.
Product: Vehicle loan or lease

My name is XXXX XXXX and my issue is with Ally Auto finance. My father XXXX XXXX passed away in XX/XX/2021. His vehicle was finally repossessed on XX/XX/2021. 
My half sister had a STRONG interest in keeping the truck and trying to catch up previous missing payments. I have been trying to talk her out but she insists. 
I have been labeled on his account through Ally Finance themselves as the " informant " on the account. Also my name is the one listed on my father 's death certificate. I also repeatedly told Ally on their recorded line " please do not discuss any account information with anyone other than myself in order to perfect the privacy of the deceased " they obliged. 

My sister is pretty persistent so she kept calling trying to get payoff balance. And on XX/XX/2021 she calls me on 3 way with Ally Auto finance. They proceeded to give her the sensitive account information and I couldn't stop it. They did not speak or get any verification info from me. And she was able to have the representative give her the account info with only the account number. They told her status of account as well as the charge off date. The only reason i didn't cut them off was ti avoid personal conflict with my sister and other family members. 

The reason I am filing this complaint is Ally Financial did not respect my wishes of non disclosure to persons other than myself. They also violated the law by talking this account info without going through proper verification. 
There was a reason I wanted this to stay discrete and now it's causing distress among my and family members. Serious potentially dangerous distress. I am looking for all possible options at this point. 
Acct name is under XXXX XXXX XXXX XXXX and time of call was XX/XX/2021 around XXXXXXXX XXXX cst. Call took place on their recorded line. 
My name is XXXX XXXX the son and only informant authorized to discuss account info.
Product: Student loan

I work for XXXX and currently my wages have been being garnished for the past year. I have wrote two letters to the President of the US and have received a response. I did not know this bureau existed until the current lawsuit. My student loan is with Navient and they would not work with me. My son was diagnosed with XXXX, as well as XXXX which put me behind in my loan. They refused to work with me to get my loan current. I told them I could provide all medical documentation which clearly states that my finances were helping my child. They are garnishing my wages as well as continuing to accrue interest will they are garnishing my wages as well. They refuse to help me and just keep taking from my check as well as adding on interest while taking. Please help. The President of the US has sent me a letter in return that he is hoping to fix this situation. I can provide all documentation to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 18 months I have been demanding that Experian delete incorrect and incomplete information from the consumer profile concerning me. I have demanded that they provide me with a complete copy of the consumer file concerning me as required by Fair Credit Reporting Act 609 to include the names of employees of alleged creditors that they allegedly spoke with to verify and validate all the information. 

XXXX has found that none of the accounts that I've demanded deletion could be validated and therefore permanently deleted them as they were supposed to and which Experian is failing to do in opposition of the law. I am attaching proof that XXXX has deleted the information. The companies of some of the accounts do not even legally exist and therefore I can not make contact with them through the mail or by phone. 

Experian is defaming my character, falsifying information, re-aging accounts from companies that do not exist, causing business disparagement, and intentional infliction of emotional distress. 

I demand that Experian PERMANENTLY DELETE the following accounts immediately or pay me for my actual damages suffered by their failure to insure maximum possible accuracy of the information contained in the consumer profile and consumer reports concerning me : XXXX. XXXX - company does not exist. I have never done business with this company. 
XXXX. XXXX XXXX  - missing information, illegally re-aged, and changed from XXXX to XXXX XXXX, which one is it? Your information does not match XXXX XXXX and did not match XXXX, therefore, you couldn't have possibly investigated to conduct a lawful validation of debt. 
XXXX. XXXX XXXX  XXXX- this company does not exist. I have never done business with this company. Information on this account is different depending on the credit reporting agency which means Experian has not spoken to an actual person to validate the account 's accuracy. All information is not accurate. Impossible for a company that does not exist. 
4. INQUIRIES Experian is reporting an astronomical amount of inquiries that I have never authorized. Some companies have gained access to the consumer profile concerning me multiple time without my permission. I demand that all of these inquiries be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX There seems to be integrity issues at Experian amongst those claiming to conduct investigation of disputes. I do not believe you're actually contacting the alleged creditors and data furnishers at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a validation and verification letter to XXXX XXXX  as well as to XXXX, XXXX, and Transunion about the account. The account was charged off and XXXX XXXX  sold the account. I informed XXXX XXXX that they were in violation of the arbitration agreement. 

I have attempted to contact XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to determine the status of my account, and I am not able to receive any details except call back. I am confused as to how the credit bureaus were able to verify and validate the accounts. 

XXXX XXXX has responded that my claim was frivolous ; however, I have not been able to discuss nor recieve
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that the following inquiries do not belong to me, XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Closed my XXXX credit card account due to fraudulent charges and non usage of card in XXXX. I was informed by mail that my account was closed. I assumed it was done with, as I have not used that card and did not plan to activate any accounts with this company. 
Upon checking my credit score I noticed there was a late payment on a past due balance of over {$100.00}. Called XXXX  customer service and I was told there was a {$19.00} balance for a second user activation fee. I explained the situation and the agent knocked off the late fees. I have paid the account in full, I have never been late paying my credit cards. So this is frustrating that because of that issue my credit score took a hit. I asked why I was not sent a letter of the past due balance, he said it was sent to my email that is no longer in use. I would like to know why 3 months later Im still dealing with an account that hasnt fully closed and why its marked on my credit report as late. How did {$19.00} balloon into $ XXXX? I would like this account closed, I am not sure why I am still able to log into this account as of today XX/XX/23. When it should not even be active. I refuse to speak to another customer service agent as the information given to me does not explain why this an account that is almost impossible to close. I have not used this card in over a year. On my credit report it is marked as 30 days past due. Which makes absolutely no sense to me XXXX  months later.
Product: Credit card

I applied the XXXX platinum charge card which offered me XXXX Membership rewards points as the sign-up bonus. It required me finish XXXX dollars purchase within the first three months. However, the system gave me the sign-up bonus on XXXX XXXX and removed them on XXXX XXXX! That made me confused because I knew that I did not fulfill the spending requirement yet. I thought there must be something wrong with the system, so I did not pay attention to it and continued to purchase by using this card in order to satisfy the XXXX dollars spending requirement. However, even after I spent more than {$3000.00} dollars and waited several months, my account was not credited with the XXXX Membership rewards points. I contacted with XXXX via online chat which said I should make a phone call to XXXX. When I called the XXXX representative, she said I can not get the sign-up bonus because of some cancelled charges. That made me so shocked because I believe I did not cancel any transaction. Moreover, when I asked her to provide me the details which transaction I cancelled, she just told me she did not know and repeat over and over again their so-called " policy '' -once the sign-up bonus released and would not give back after removing. However, a friend of mine actually also confronted the same situation but got the sign-up bonus back after contacting XXXX! Their explanation is unacceptable because the fault is not made by me but XXXX system. I conservatively value XXXX Membership reward points equal to XXXX cents, so XXXX Membership rewards points are equal to {$2000.00} dollars. Therefore, I have to suspect that XXXX intentionally gave me and took back the XXXX, XXXX Membership rewards points sign-up bonus within 2 days in order to deprive my rights to acquire them.
Product: Vehicle loan or lease

My vehicle was refinanced at Royalty Finance in XX/XX/year> after XXXX years with the company after the motor needed to be replaced. The payments are due on the XXXX of the month and it was agreed with branch management that payment would be paid on the XXXX as Im salary paid. Today XX/XX/year> my vehicle was repossessed and told me it was considered late. I signed a contract that stated I have a XXXX day grace period that they didnt uphold that in contract because I still had time and now are calling Full pay off of the vehicle and if not paid with in XXXX days it will report to my credit as a repossession.
Product: Consumer Loan

Yet another complaint against Consumer Portfolio Services. This will be my XXXX and Hopefully final complaint against them. They have replied to an earlier complaint, I have disputed it and have had no response. so here it is. The contract should be NULL and Void as the Main applicant ( XXXX XXXX ) NEVER signed the contract. 
The contract should be deemed null and void. 
1. 
On the contract you can see that the due date is to be the XXXX of each month. When the XXXX payment was made early, ( on the first of the month to be considered for the up-coming payment on the XXXX ). Cps took it upon themselves to change the due date to the XXXX of the month, in the situation, it showed that a payment had been made for the XXXX of the previous month and then due again 2 days later on the XXXX ( which is when the account started showing a delinquency ). XXXX XXXX noticed the account was showing behind, when in fact it was paid ahead. He contacted CPS via phone and was told they had permission to change the due date, he said that neither he nor XXXX XXXX authorized this change, they dismissed it and refused to put the date back to the XXXX. He then asked for a written and signed document from either him or XXXX XXXX, requesting proof of the change, it has been over 4 years and still no such document!!! 
2. 
XXXX XXXX was NOT present at the time of purchase and did NOT sign the contract for the loan. Her son was employed by the selling dealership and was allowed by the selling dealership to purchase and sign the contract for XXXX XXXX, even though she may have given verbal permission over the phone for him to do so, there was NO power of attorney signed. A hand writing analysis can be performed to verify the signature is Not XXXX signature. In fact she was at her place of employment ( working ) XXXX miles away from the selling dealership. ( this can be proved from payroll records. ) 3. 
The vehicle was purchased for a 3rd party, which to the best of my knowledge is NOT allowed by CPS. In fact neither XXXX XXXX nor XXXX XXXX ever driven the vehicle ( the vehicle in question is a manual shift, neither one of them know how to drive a manual transmission. ) The contract itself is not even a CPS contract. Cps has been trying to implement policies and fees off of someone else 's contract. The contract is on an XXXX contract, and only has CPS ( hand written ) on it, with NO address or phone contact information for CPS. 

For any one or all of the above reasons, the contract should be considered NULL and VOID, and the vehicle returned to CPS, with all and any Balances removed, and the loan as a whole be removed from XXXX XXXX and XXXX XXXX credit reports considering she NEVER signed the contract in the first place. 
We have copies of the contract and XXXX XXXX Signature that can be provided, we can also go to a notary public to verify her signature if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the timeline of XXXX XXXX ( XX/XX/XXXX ) I have been dealing with identity theft. I was able to let XXXX, XXXX and my banking company know of the issue and put a credit freeze and fraud alert on my accounts. I tried contacting experian until I found out the hacker who stole my identity created a fake gmail account and was in control of my experian account. Experian supposedly changed the email to mine but the username still continues to be the hackers fake email of me. They ensured me it would take 24-72 hours to change and to not log in. I waited and tried and still could not log in, the email was never changed for the account but I have been filtered the emails when there is action on my account. I contacted experian multiple times during the timeline I provided and was told I was unable to do anything because I could not answer the security questions or provide the PIN number. The security question and pin is what the hacker made, so I am unable to verify it because it was not me who set it up. I told them to cancel the account and look into it. They canceled it but now the hacker reopened it. The hacker is still in control of the account and is continuing to use it. Experian has done nothing about this issue and I have filed a police report with the local police. Hacker has my drivers license information and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I applied for a loan at my credit union. I was told my credit has been frozen. When asked to verify questions I was told that my answers failed. I called a second time and was told I failed again. Equifax is not even operating in the United States. I can not understand what was a failure in my answers and the operators are in the XXXX! Not even in the United States. I answered all questions and still failed to unlock my credit. I am very upset and dissatisfied with this process. This is not acceptable.