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

The Vehicle was awarded to me in a divorce settlement, I am trying to talk with someone to get the loan straightened and have also sent them payments which they have accepted. Have not been able to speak to a person at Consumer portfolio services. They sent XXXX XXXX XXXX located in XXXX Michigan to my house at XXXX XXXX XXXX XXXX in XXXX Michigan on Sunday XX/XX/2019 at about XXXX XXXX, I found the driver in my garage and told him to get off my property he was threatening me, telling me he was taking the car and told me I was not stopping him and then went to his truck and laid on the horn and was yelling I have a repo here, this continued for about 2 minutes, he then went around the corner blowing his horn and continued to yell out the window. Last night on XX/XX/XXXX at about XXXX XXXX, I was walking a block over and heard a horn going off, I got back on my block and XXXX  XXXX XXXX was back in front of my house with there lights on and again blaring the horn yelling repo, we have a repo, they were also yelling at my minor son, there were 2 men in the truck this time, I have them on video, I advised them to stop and the guy was yelling profanities at me and he was yelling I should pay my bills, I called the police, also my gf advised them they were going to be maced if the did not leave, they left about 2 minutes before the police got there, the police issued us a complaint for the company acting in a disorderly manner and told is to call them back if they showed backup. They have also went to my ex wife 's house at about XXXX XXXX at night and tried to order her to open a barn and put her dogs away. I want this harassment to stop now, I am trying figure what I still owe, I have already paid, XXXX on a XXXX dollar loan. The complaint number from XXXX Police Department is XXXX.
Product: Credit card

XXXX XXXX XXXX XXXX credit card is now charging a monthly fee per month to have the credit card open or to use is that legal
Product: Credit reporting or other personal consumer reports

This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. XXXX XXXX XXXX, account number XXXX, has violated several of my rights as a consumer. Furthermore, the sale or sharing of my personal information to a third party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent.

Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending XXXX XXXX XXXX, Experian, and XXXX  letters for the last 11 months regarding a collection they have reporting to my credit reports. I DO NOT KNOW THIS COMPANY. I have not done any business with this company. I have no contract with this company. This company has nothing in writing stating I agreed to any form of a contract. This company would only send me a bill saying I owe { {$590.00} }. This is not PROPER VAILIDATION. I want to see All of the documents opposed to just a bill. I have asked multiple times for any documentation and they dismiss my request. I have also asked that if they can not provide anything then to stop contacting me and remove the fraudulent account from my credit report. 
XXXX  conducted their investigation months ago and removed it from my credit report. 
When I first inquired about this account with XXXX, it was listed on my report as a closed account ; derogatory ; collection. After their investigation it was briefly removed and then reinserted a couple of months later now showing as an open account with late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They other months are showing paid. It shows " XXXX XXXX '' on XX/XX/XXXX. This makes absolutely no sense to me. 
When I did the same with Experian, they changed the " Balance Updated '' on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting Act. The list accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX. I have the right to privacy. 
XXXX XXXX XXXX : # XXXX. I have the right to privacy. 

15 U.S.C. 1681 Section 602 A, states I have the rights to privacy 15 U.S.C. 1681 Section 604 A, 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, s of information. Any other adverse item of the information, other than records of convictions and crimes which antedates the report by 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 he person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting

My name is XXXX XXXX XXXX and I would like to complain about Equifax and XXXX XXXX XXXX. Here is my story. I usually check my credit report like other people. As just usual, I checked my credit report in XXXX 2015 and I found that there was XXXX collection amount reported on Equifax credit report, the amount of {$68.00} reported by XXXX XXXX XXXX for XXXX XXXX expense. So I DISPUTED and talked to Equifax representative and waited for the result because it does not belong to me. However, Equifax replied me back with a bad news that the collection amount belongs to me. So, I talked to XXXX directly and I found out that I have no past due at all AND they said that they did n't even know that ( after they investigated it. ) So, I disputed again in Equifax and they replied me back with same answer that it belongs to me! So, at this time, I also talked to the XXXX XXXX XXXX directly and disputed in writing ( by certified mail ) in XXXX 2015, but never received reply back. I also requested any support or backup documents for the collection amount of {$68.00} if it really belongs to me, then I can pay ... that 's not a problem at all, but they did n't even give me any backup documents for the {$68.00}. What should I do?! The collection amount of {$68.00} still shows on Equifax credit report, which I want to remove as soon as possible. It 's a simple thing ... if it 's mine, I will pay it, just provide me the invoice/documents, HOWEVER, if it 's not mine, get rid of it ASAP! Please help me! 

For your information, I would like to provide you the collection agency 's information here. The collection agency 's name is XXXX XXXX XXXX and they reported {$68.00} for XXXX XXXX expense. Their phone number is XXXX and the address is XXXX XXXX XXXX XXXX, FL XXXX. Their account number XXXX my case XXXX is XXXX. 

Please let me know if you need more information from me. My phone number is XXXX. My email address is XXXXXXXXXXXX. I look forward hearing from you soon. Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has Violated my Federally Protected Consumer Rights to Privacy and Confidentiality under 15 U.S.C 1681. 
Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : 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 " 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 by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) " States 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

On XXXX I sent a document to Equifax Requesting proof that they had verified several accounts on my credit report prior to reporting the information. Since that time I have sent 2 additional requests for this data, which they have not provided. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Please direct Equifax to promptly remove the unverified items from my credit report. 
Thank you very much for your help.
Product: Credit reporting or other personal consumer reports

Since XXXX of XXXX  I have been contacting XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  ABOUT letting them know I NEVER opened an account with this company and this account is not mine. I have been ignored by XXXX XXXX XXXX and the Consumer reporting agencies have continued to report this inaccurate information on my account causing my family and I harm and mental anguish. The FCRA mandates that only accurate and verifiable information may be included in credit reports. Additionally, the FDCPA prohibits collection agencies from reporting accounts without proper validation.Section 609 : Right to obtain all information in your credit file.

Section 611 : Right to dispute inaccurate information and require correction or removal if unverifiable.

Section 623 : Responsibilities of furnishers of information to ensure accuracy when reporting to credit bureaus.

Section 605B ( Identity Theft Protection ) : Requires credit reporting agencies to block fraudulent information from appearing on a consumers report within four business days after receiving proof of identity theft, such as a police report or an identity theft affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, Transunion and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information

must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection and It is in violation of Metro 2 Compliance.
I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Eradicate now or amend as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the reprehensible claims following : XXXX XXXX XXXX XXXX all negative aspects of the illegal claims following : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

In XXXX or XXXX there was an unauthorized payment taken from our Ally bank account. We called and closed the account. We have not used the account since. We transferred all our auto withdrawals to the new Ally account. 
XXXX they close ALL of our accounts with them and report use to consumerdebit.com When I asked them why they said that we had an overdraw on XXXX account from XXXX. I explained that the account was closed in XXXX and they needed to research their records. They refused to help me further and referred me to XXXX. I am paid a decent amount every two weeks and there is no reason an overdraw would go unpaid. They did not close that account and are now destroying my finances and refusing to review their mistake. They said they contacted us but my wife works at home and never received a call or email.
Product: Vehicle loan or lease

At the end of my lease I purchased my vehicle by sending in proper documentation and a bank check. When I received title and bill of sale for vehicle the mileage had an extra 0 at the end taking my my from aprox 42,000 miles to 420,000 miles. This created an issue in titling the vehicle in my name because I am not able to correct the title according to Massachusetts RMV. Because the mileage is written on the bill of sale and title an affidavit for correction must be supplied from ACAR leasing along with an updated bill of sale. I called ACAR leasing ( aka GM Financial ) to request this on XX/XX/2022. To follow up I also mailed a request with copies of the documents they sent me plus I added the lease buy out forms again double checking mileage was correct and even included a affidavit for correction filled out but needed their signature. Over a month later I am yet to receive any documents from them so I can register my vehicle. When speaking with their customer service they insist they've mailed it on XX/XX/XXXX which would have arrived already. This is the second vehicle I've purchased at the end of a lease in which it takes them over 2 months each time to get the proper documentation.
Product: Payday loan, title loan, personal loan, or advance loan

After several attempts to receive a refund after my card account Was double charged close to {$700.00} worth of double charges on each occasion, it is clear that the money was debited however the ATM declined my transaction. I have been in great communication immediately as I noticed the charges were doubled and spoke with XXXX XXXX XXXX  XXXX. Sent them in all required documentation regarding the fact that the ATM declined the transaction yet still debited the amount from my account causing me to attempt to try again, knowing the money is in my account, and then it dispersing the money. The second time Ive sent proof of all receipts showing XXXX dollars for disbursed. Meanwhile, the amount was debited twice from my account. I will attach documentation to prove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Affirm Co. 
Ask to have my personal information deleted from Affirm 's Database. Response was that Affirm couldn't do such deletion. They should be able to accompany my request right? Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I recent disputed inquries on my credit report to XXXX due to some fraudulent activities. Companies such as : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Vehicle loan or lease

I filed credit report disputes and Texas attorney general consumer fraud protection complaints, police complaints and also CFPB complaints and Carmax who never contacted me or even called or emailed replied to the CFPB complaint stati9ng it is a meritless complaint though I reported this as fraud and I have fraud alerts and credit freezes on my three credit monitoring companies. XXXX XXXX 's car max reply this same day of XX/XX/23 is not honest and shows irresponsible deceptive trade practice. they need to withdraw the hard credit inquiry, and to apologize to me, and to shut down any fraud applications and mark them as fraud, and supply copies of any information for law enforcement and to reply to the CFPB that they will cooperate with law enforcement my idendity obviously has been compromised and someone is doing identity theft. carmax has been told of them and ignores it. they should be held accountable ... what delaerships, what locations, copies of pics used. etc?.
Product: Debt collection

upon researching my credit report, i noticed an agency that i had never heard of nor conducted a contract with had reported to my file that i owed them money on behalf of a debt of mine that they received through an old bill collector. i contacted this bill collector who i had a previous contract with and asked for the contents on the debt i owed to them. This information was received and indicated that the party on my credit file was not collecting on behalf of the original party of whom i contracted with. i then notified the original party that i have been made aware that by debt to them was paid by a third party that i do not know but is claiming to own my debt. It is clear that i no longer owe this debt to them and they are to reflect my account with them as so, they refused. also i would like the account of the third party who unlawfully collected my personal information from someone not myself to be removed from my file. I never contacted this company directly neither have they to me therefore no legal contract between us can be shown. if they have one they must present it. also these companies or any other for that matter have received permissible purpose to report anything to my personal credit file.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB 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 Listed below are the Inquiries that are being challenged RENEWAL BY A XX/XX/XXXXXXXX XXXX XX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Checking or savings account

On Thursday XX/XX/XXXX my ex-boyfriend XXXX XXXX had stolen my purse containing all of my credit cards and my identification. He got gas at XXXX and here in XXXX Indiana went to the casino in XXXX and withdrew all of my money I probably reported this to current to lock my card however they didn't block it and he was able to take more money out and he also went to XXXX 's. I reported this on XX/XX/XXXX and they denied my dispute as of yesterday XX/XX/XXXX that is not enough time for them to properly investigate this. When I asked them for evidence that they did their due diligence and their judicial responsibility they denied sending me any documentation to validate their decision. This isn't fair at all. I would also like to add that I inform them that I banned from the casino all casinos no matter what state so therefore I can not get past the door and I submitted documentation that I am banned.
Product: Credit card or prepaid card

Since I received this credit card in XXXX I have not received the 5x rewards promised in the card agreement when using the card at XXXX XXXX. In XXXX when I contacted XXXX regarding missing 5x rewards ( I had received 1x ) XXXX reviewed my account and then manually posted the 5x rewards. In XXXX XXXX advised me that Comenity Bank had a technical problem and would post the rewards within the few weeks after my purchases in XXXX and XX/XX/XXXX. The 5x rewards were never posted. 

When I followed up, I was told that Comenity Bank would solve this problem. When I contacted Comenity Bank I received vague comments about technical problems that were being addressed. I also received generic emails from Comenity Bank advising that they were addressing technical problems. This seems to continue for month after month without any resolution. 

I made purchases at XXXX using the XXXX card due to the 5x rewards that are prominently featured throughout the local store and online. I am baffled as to why I only receive 1x rewards and have received no solution from XXXX or Comenity Bank. I followed the terms of the card agreement and I expect the same from XXXX and Comenity Bank. 

The purchases that are missing the 5x rewards were made on XX/XX/XXXX ( missing XXXX points ), XX/XX/XXXX ( missing XXXX points ), and XX/XX/XXXX ( missing XXXX points ). While the dollar amounts are not large it is a benefit I was told that I would receive. 

No one at Comenity Bank or XXXX has taken a leadership, customer-oriented role in helping me solve this so that my ongoing efforts for the 5x rewards were not needed. Instead, I have been essentially brushed off when I have requested help.