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

This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] LISTED ACCOUNTS BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

old reports on my credit file disputed several times about incorrect information and still shows experian XXXX and transunion still wont comply with any of my request
Product: Debt collection

The issue of debt collection practices raises significant concerns regarding consumer rights, particularly when collectors fail to validate debts. In my case, the persistent inability of the debt collector to provide adequate validation of these alleged debts violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). The absence of proper documentation not only undermines the legitimacy of the claims but also unjustly jeopardizes my credit score, which is critical for future financial opportunities.

Furthermore, my attempts to resolve this matter with the credit bureau have been met with inadequate responses, leaving me in a state of financial uncertainty. The failure to rectify these inaccuracies perpetuates a cycle of harm that affects my ability to secure loans and other financial instruments.
Product: Checking or savings account

We can not access any of our account information with VyStar Credit Union for over two weeks now. Bill pay that we are signed up with is not processing any payments. Some of our deposits are not being credited to our account. I requested a print out of transactions via email because the hold time has been 2+ hours and they sent me someone elses account information including account number and everything. This makes us all very worried about the security of our accounts. XXXX XXXX sits on both VyStar and the XXXX board which is the vendor VyStar invested XXXX XXXX into for this new online banking debacle. That has to be a clear violation and conflict of interest. This is a mess and I can not operate my business without online access to my money!
Product: Vehicle loan or lease

I am a leaseholder through GM Financial. Throughout the course of the lease, the ability to setup autopay has been unavailable to me through the online portal. Autopay is an advertised feature of the lease, however it is not possible to setup autopay via the " manage my lease '' function on the GM financial website. As a result, I have had to make all payments manually on a monthly basis, resulting in instances when payments have been late and fees incurred. My preference would have been to enroll in autopay, but because of issues with the company 's website this feature has been unavailable to me. When I tried to submit a complaint on this issue, I also found that the function to submit complaints via the online portal also does not work. The unavailability to me of an autopay feature, despite the fact that this was an advertised feature of the lease produce, results in a potential unfair practice under UDAAP.
Product: Vehicle loan or lease

I payed the lender money to not repo the car and they took the car stated I owed them XXXX dollars and said because I aint pay them that I owe them XXXX dollars now and the name of the company that kept my money and car is bridgecrest they are a rip off my loan has been XXXX for 3 years never went down after payments
Product: Debt collection

This company ( Port Folio Recovery ) continues to harass with phone calls. They have been asked on several occasions to stop calling and to update their records to reflect that I have been issued this telephone number with a new service line from XXXX XXXX. I am on the verge of having to request a new telephone number due to their non-stop harassment and illegal actions. I have even contacted this company via their website and through their chat reminded them that this is a new number for myself and not the person they are seeking. 
This company should not be allowed to conduct business any longer due to their illegal actions. 
Apparently they seem to be paying off the correct public official that they are not held accountable for their illegal and harassing practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted and disputed inaccurate personal information dealing with name and address and inaccurate employment and phone number And Experian refuse to remove the inaccurate information. I'm here to sure my identity and my sure it is not miss used
Product: Credit reporting

CITIBANK NA., XXXX -XXXX, XXXX-XXXX-Television & Radio I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank XX/XX/2021 XXXX XXXX. XXXX XXXX XXXX, FL XXXX RE : Home Design & Safe Streets XXXX XXXX Your Account # XXXX Please note this is the LAST time I will be personally trying to contact you ; if this information does not get through to you and I hear from you XXXX more time you will be dealing with my attorney!!! 

I have repeatedly disputed through the credit bureau 's, as well as filled out a complaint with CFPB last XX/XX/XXXX, trying to resolve this fraud issue with you!! 

I have NEVER heard of or had any business with the above companies!! I have found XXXX cards that were mailed to me, but as you can see they were not activated and never used!! There is also a copy of a bill enclosed which I missed ; usually I return them to you telling you they are NOT MINE!!! 

I have had Fraud several times on my bank debit and credit cards, as well as my Amazon account. Obviously there is a mistake or fraud with the above companies as I have never heard of them, let alone done any business with them. 
This letter and enclosures best be enough to end this issue once and for all!!! XXXX XXXX cc : XXXX XXXX Bank XXXX CFPB XXXX XXXX Consumer Assistance XXXX Enclosures
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a significant error in my credit report. A previous request was made to investigate and verify a bankruptcy listing on my credit report. Your response stated that the bankruptcy had been verified with the appropriate bankruptcy court. 

Upon receiving your response, I took the initiative to contact the court myself. I was informed that neither my full Social Security number nor any information concerning bankruptcy cases is provided to any credit bureau. I have enclosed a copy of the response from the court, which clearly refutes your claim that the bankruptcy was verified. It is clear they do not report to you or to any credit agencies for that matter. Therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements DO NOT COMPLY with FCRA 611 ( 15 U.S.C 1681 and the information must be UPDATE immediately.

According to Section 611 of the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information in their credit file, and credit bureaus must investigate such disputes within 30 days. Furthermore, Section 623 of the FCRA requires furnishers of information to provide accurate information to credit bureaus. 

The information relating to the bankruptcy in question, detailed as follows : XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to file this dispute. The items found within my credit report that I listed on the following pages are not related lo any transaction that I made, I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the Federal Trade Commission which I have attached to this letter. In addition, I have also corresponded with the agencies and creditors listed. The respective agencies have been very cooperative with me and have guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items I'm requesting you do so for. I want to make it clear that I am not making this request in error I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.
Product: Credit card

Starting from XXXX this year, I found that my Apple card was frequently swiped. At that time, I had moved to XXXX, and I lived in XXXX XXXX before. 

And when I went back to XXXX XXXX to watch XXXX XXXX XXXX concert in XXXX, my phone was stolen. After that, my Apple Pay was also frequently stolen, almost all of them are fraud from the same store.but I changed my password and never gave anyone the card number I told anyone. 

I reported the fraud and disputed quickly. I asked for my credit to be repaid and no longer needed let me pay.
Product: Checking or savings account

USAA decided to close my accounts and prevent access to {$8000.00} demand deposit for 60 days. This results from some wire transfers I made which they determined were sent to a scammer. This is not for them to determine. All the funds deposited into my account were legitimate coming from government deposits from VA and SSA, a loan from XXXXXXXX XXXX XXXX, disbursement from an IRA and sale of an automobile to a dealer. The wire transfers were to a domestic corporation. for legitimate investment as far as I knew. It was not money laundering or any other illegal transaction. USAA had a breach in XX/XX/XXXX lasting until XX/XX/XXXX. They did not report this to any of their depositers. It appears that {$7500.00} is missing from the wire transfers.
Product: Credit reporting or other personal consumer reports

I was shocked to discover that my credit report was accessed without my authorization. An application was submitted in my name, and the company pulled my credit report without my knowledge or consent. I did not apply for credit with this company, nor did I authorize this inquiry. This unauthorized access is a clear violation of my consumer rights, and I find it both alarming and insulting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information being reported to tri-bureaus. Would like to freeze consumer reports.
Product: Debt collection

I have no debt nor do I owe any Debt to Monterey Coll SVC and I have never done business with Monterey Coll SVC, I Have been harassed by Monterey Coll SVC For at least 4 years now. Monterey Coll SVC has committed many consumer violations against me, I have received calls at my place of employment in the past continually Which is a Violation Of 15 U.S. Code 1692c. ( a ) ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. They also have ruined my reputation and have disabled me from being able to achieve financial stability with their negative reporting, I have been unable to secure a home lease for me and my family which is a violation of The FDCPA 15 U.S. Code 1692d. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I was also threatened by an employee that used abusive language which Is also a violation of the FDCPA 15 U.S. Code 1692d. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. These are all violations. 


XXXX at ( Ext XXXX ) Is the Employee who used abusive language. 

Monterey Coll SVC States That I owe {$1100.00} In which I Do not. 

I Sent out correspondence in which I uploaded those correspondence that I sent here In the file. 

I asked that they provide - Validation of the Debt That is, the actual accounting. 
- A copy of the Contract binding both parties ( me and them ), In a letter by " certified mail '' So that their is an independent " Witness to it having been delivered. '' I have Given Monterey Coll SVC 30 Days to respond to my Correspondence and they have indeed not responded to my request. 





Delivered Tracking # : XXXX Recipient Address : Monterey Coll SVC XXXX XXXX XXXX XXXX XXXX XXXX, CA CA XXXX 1. PRE-SHIPMENT INFO SENT USPS AWAITS ITEM, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 2. ORIGIN ACCEPTANCE, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 3.  PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 4. SHIPMENT RECEIVED ACCEPTANCE PENDING, XX/XX/2020 XXXX XXXX, XXXX, AZ, XXXX 5. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX XXXX, CA, XXXX 6. PROCESSED THROUGH USPS FACILITY, XX/XX/2020 XXXX XXXX, XXXX XXXX, CA, XXXX 7. ARRIVAL AT UNIT, XX/XX/2020 XXXX XXXX, XXXX, CA, XXXX 8. OUT FOR DELIVERY, XX/XX/2020 XXXX XXXX, XXXX, CA, XXXX 9. DELIVERED LEFT WITH INDIVIDUAL, XX/XX/2020 XXXX XXXX, XXXX, CA, XXXX The Document was signed for.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XXXX, 2024, I called to request a payment arrangement to Westlake Portfolio. First, they told me that the date was too far out which it was 8 days from the date I was willing to pay. Then I was told by representative to call back the following week XXXX asked did they want my card information to have on file to have them take out money the following week. They told me that it was not necessary. A week later, the vehicle was repossessed before the week was up for them to call back with a date to make a payment. 

When the car was repossessed, I was told that I had up to XXXX to come up with the money to take pay in XXXX NC. After the ten day period, they would move the vehicle to an auction place in XXXX. I have a week to come up with that before moving car to another place or sell the vehicle. 
After the week period, when I had the money, I had to travel to XXXXXXXX XXXX which I had to ride an XXXX and paid almost {$200.00} to get car back. When I got to the place, my tires was flat and my tag was not in vehicle. I then had to travel to XXXX, NC to retrieve all my belongings. I paid a total of {$1200.00} includes XXXX rides to XXXX, NC and XXXX NC. This was the most frustrating experiences ever. When I called to see if there were any options to have vehicle to closer location, they would not help in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card that was never in my possession, and was stolen and used for this company. 
Credit card company then sold the debt to another company without my permission, which is a violation of permissible purpose. I would like this account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have failed to respond to me in the 30 day window that was allotted to them to investigate my request of the items that are reporting inaccurately. The companies are Equifax, XXXX and XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ACCOUNTS which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance XXXX {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 or other personal consumer reports

My personal information was exposed in a data breach. These accounts do not belong to me : XXXX XXXX, {$22000.00}, XX/XX/XXXX XXXX  XXXX XXXX XXXX, {$17000.00}, XX/XX/XXXX ( equifax reporting {$17000.00} balance! Factual dispute ) XXXX XXXX XXXX, {$1000.00}, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, {$250.00}, XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$110.00}, XX/XX/XXXX XXXX & XXXX XXXX XXXX {$910.00}, XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What is this complaint about? Credit card company reporting balance and payment history on my son 's credit report without my knowledge or consent. Misrepresented adding another users and how it would show up on credit report. 

Step 2 : What type of problem are you having? Discover Card Services asked me if I casually wanted to give anyone else in my family a card attached to my account. My son who was not yet XXXX but getting ready to attend XXXX  was provided a separate credit card in his name but attached to my account. What they did not tell me is that my balance and history would show up on his credit reports. I asked for proof that they told me about how this would show up as an authorized user from XX/XX/2016 and they told me they don't keep the recording and that I was stuck. My son never used the credit card yet it shows on his credit report. He is not responsible for balance or any payment of it. They said by law they have to do this but never told me that as I just believe he was getting a card with his name but my account. I would not of taken the card. They indicated I could take him off now but the last balance amount would remain on his account for at least 7 years even if I paid it off to XXXX. 

Step 3 : What happened? I explained that the card was not presented it to me in that fashion and requested they removed it from his credit report. They said I could file a complaint with the credit bureau which I know will do nothing. They misrepresented the terms of the additional card. I spoke to a supervisor who dodged my questions then asked to speak to the credit department which I was told would call me in 24-48 hours and did not. 

Step 4 : What company is this complaint about? Discover Card Services XXXX Step 5 : Who are the people involved? XXXX XXXX and XXXX XXXX ( XXXX ) at XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Account ending in XXXX. I'm in good standing with Discover and pay more than asked every month. I get no second statement or anything in my Discover bill or mail that has my son 's name on it.