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

Ally Financial is reporting the following information on my credit report : 1. Payment history : number of times I alleged been late on my account, 2. Pay Status : alleged past due status, 3. Terms : The information listed above is better known as transaction is being reported on my consumer report. ALLY FINANCIAL IS ILLEGALLY REPORTING THESE TRANSACTIONS ( Payment history, pay status, Terms ) on my consumer reports! Ally Financial is in clear violation of the law. 
Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) Subsection ( d ) CONSUMER REPORT Subsection ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does NOT include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences the consumer and the person making the report ; THE LAW AND THE FTC ADVISORY OPINION CLEARLY STATES XXXX Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( ALLY FINANCIAL ) making the report is NOT included on my consumer report! 
Payment History, Pay Status and terms are transactions of open end credit and closed end credit extended between the consumer ( ME ) and the person ( YOU ) ( ALLY FINANCIAL ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
ALLY FINANCIAL HAVE VIOLATED THE FCRA 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting this transaction or experience ( Payment History, Pay Status, Terms ) on my consumer reports which CONGRESS clearly states IS NOT to be included on my CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

Hey, I had a dispute over my last bank account at XXXX. This was due to it saying I still owed money on a loan, but it was fully paid off. I talked to the bank, and they agreed. So there for I closed my account with them, because I am moving. However, now expirian says I no longer have a credit history. Why? Does this mean I made payments on time for quite some time, just to have no credit score? I dont really understand how that works. I even paid it off early.
Product: Debt collection

Navient has frequently called me, my friends, and my family about debt collection. They have shared personal information with my friends and family and left voicemails in an attempt to locate me. Navient deceptively told my friends and family they are " listed as points of contact '' on my loans, which is untrue. They have repeatedly contacted these same people even after they were asked to stop contacting them. 

I have reached out to legal counsel and have also saved all of these contact attempts in order to bring litigation against Navient under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XXXX/XXXX/XXXX contacted TransUnion for a credit freeze. Talked to XXXX. 
ISSUE/COMPLAINT : TransUnion will not do a credit freeze, unless I send them a copy of my social security ( SS ) card ( via mail/fax ). However, this was not due to TransUnion questioning who I was because during this same call they did other actions for me regarding my information, just refused to do a credit freeze. 

BACKGROUND : Because of the XXXX security breach - my husband and I began the process of putting a freeze on our information with all 3 credit rating companies. My husband 's security freezes all went through. Mine went through with XXXX and XXXX. However, TransUnion will not freeze my account until I send them a hard copy of my social security card. They DID however ( in that same phone call ) put a 'fraud alert ' on the account and changed some information for me that was not accurate ( deleted a name listed that was incorrect ). My complaint is that TransUnion is refusing to do a credit freeze until I send a copy of my SS card : 1 ) I do n't want to send a copy of my SS card info through the mail or via fax, not safe. And, as the recent security breach shows, these companies can not keep my information safe. 2 ) Why should I pay for special handling so they can have a copy? 3 ) they already know my SS #, I had to provide it when I was attempting to do the freeze. Since they already have my SS #, why do they need a hard copy? 4 ) TransUnion did not provide a good clear understandable reason as to why they need this copy of my SS card-they just got irritated when asked this question. The only reason they provided was it was necessary " to update correct information '' ... however ( as I said above ) they already have this information ( my SS # ).
How can a credit rating company refuse to freeze your information until you send a copy of your SS card? I am simply trying to be a proactive consumer and protect myself from the vulnerability that the credit rating industry has potentially placed me in ( e.g., XXXX security breach ). However, the credit rating  industry is making it difficult for me to protect my information by making demands before they will take protective actions and they are not providing a good strong reason for their demands.
Product: Debt or credit management

Received a check but still think I paid way more money than what was received from Lexington Law
Product: Debt collection

Fraudulent Collection account XXXX XXXX XXXX showing on credit report XXXX XXXX, XXXX ( SSN ) XX/XX/XXXX ( XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, XXXX XXXX reporting XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX account by XXXX XXXX in XXXX Of XXXX. This account has resulted in several hard inquires and negative result in my XXXX score. I do not recognize the aforementioned accounts, collections, or hard inquiries reported. This was not opened, made, or initiated by me. I have attached a copy of FTC identity theft complaint as proof from the US Federal Trade Commission that the aforementioned credit acountnt are result of identity theft and fraud. I demand this deleted from my consumer report
Product: Credit card

I have no knowledge of this account/inquiry it just randomly appeared on my credit report. This hard inquiry/account is a result of identity theft, There are no accounts on my report attached to this inquiry/account from XXXX XXXX XXXX on date of XX/XX/year> and XX/XX/year>. These hard inquiries/accounts must be removed in 4 days in accordance to 15 U.S. Code 1681 c-2- Block of information resulting in identity theft.
Product: Credit reporting or other personal consumer reports

My identity was stolen in XX/XX/2018. The individual that committed this crime apparently purchased a vehicle from XXXX XXXX XXXX. The individual XXXX XXXX pled guilty and went to XXXX. I have submitted all police reports regarding this crime to this company that I know nothing about. The Contract that XXXX XXXX XXXX produced does not have my signature anywhere on it. It has my SS # wrong, my date of birth wrong, my address wrong, my name wrong, and my employment wrong. My attorney has written them habitually, however, IT IS STILL ON MY CREDIT REPORT! Due to this Company, my interest rates are higher for my vehicles and credit cards, can't obtain financing for a home. I have submitted the Federal ID Theft Documents, Police Report, and case number to both Equifax on 4 different occasions and EQUIFAX AND XXXX XXXX XXXX will NOT REMOVE IT FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an entry on my credit file which doesn't belong to me with Equifax for an account with an unpaid balance of {$58000.00}, opened on XX/XX/XXXX being reported by Dept of Ed/XXXX  ( account number XXXX ) on XX/XX/XXXX. I sent a dispute letter on XX/XX/XXXX challenging the accuracy, compliance and reportability of this entry. I never received any form of correspondence from Equifax or Dept of EdXXXX addressing my dispute and they failed to provide a resolution for the inaccurate reporting on my credit file. I sent a follow up letter on XX/XX/XXXX informing them that Equifax and Dept of Ed/XXXX has failed to provide me with copies of any documentation associated with this account, bearing my signature within the 30 days allotted to complete an investigation plus the extended 15-day period.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my indentity to the identity theft affidavit. Please remove these items as soon as possible.
Product: Debt collection

I am a reference for my god daughter. Great Lakes 1st called and tried to get information about her because of an " emergency ''. Now I have a letter that offers me condolences because they have information that she died. These are obscene methods to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a XXXX XXXX in early XX/XX/XXXX. I called at the beginning of XX/XX/XXXX to report my card had been stolen. I called within the required time frame and I was told by the company that they would send me an affidavit to fill out, notarize, and send in. Since then, I called three more times to express my disappointment in not receiving the affidavit and in fact, receiving continued bill notifications and a late fee instead. I made a payment of {$80.00} only because the service representative said it was necessary due to the yearly fee of {$75.00}. Both representatives during two calls indicated that the late fees would be waived. After that payment, I received another notice of a supposed late payment and the company 's possible intention of sending me to collections. In XX/XX/XXXX, I received an email stating that my bill was ready to view online, but since I reported the stolen card, I have not been able to access my account online. Since then, I received another notice that my account was past due. And now the company, XXXX XXXX, that controls this credit card, has reported me to the credit bureaus with claims of late payments on a stolen card. 
Yet, I have still not received the affidavit form. I have every intention of filling it out to dispute the charges made, as specified in my first two, now three calls. I do not intend on making payments on the account based upon these charges. I do not understand why it seems your agency is so readily able to send me bills and late charge notices, but can not get me the required affidavit to pursue the disputed charges. Now my credit has been very negatively affected.
Product: Debt collection

I had medical emergency on XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX. The patient ( myself ) responsible for {$370.00} ( XX/XX/XXXX ) + {$1000.00} ( XX/XX/XXXX ) = {$1300.00} after insurance. The Account Number is XXXX. I set up a payment plan with XXXX XXXX on XX/XX/XXXX. I put {$110.00} each month and I never missed any monthly payment. The total balance {$1300.00} will be paid off by XX/XX/XXXX. Even I continue to make payment, I received a request from the HSI collection agency and request a payment of {$910.00}. I tried to reach XXXX XXXX but I was put on hold multiple times. The longest wait time is more than an hour.
Product: Student loan

On XX/XX/XXXX, my daughter applied for a fixed rate student loan from XXXX XXXX. The Loan, " Smart Option Student Loan, '' was for the amount of {$12000.00} with an interest rate of 9.5 %. The total finance charge for this loan was {$7000.00}. On XX/XX/XXXX, my daughter and I ( the cosigner ) received a letter from XXXX XXXX a letter stipulating an error. In this letter, XXXX XXXX states that the 'Total of Payment ' based on the interest rate will be {$45000.00}. The letter provide a Final Disclosure, in which it describes the loan to be a variable rate pegged to XXXX, with a note stating that the loan will never exceed 25 %. Upon contacting XXXX XXXX to obtain clarification, XXXX XXXX denies sending such letter and the new 'Final Disclosure. ' Instead, XXXX XXXX sends loans documents never previously sent or seen by us at the time of the loan application. The loan application was processed online, including signatures. The process did not offer a viable way of obtain physical copies of the online transaction. In fact, the amount of {$45000.00} was never presented during the application process. Had this amount been show or presented during the loan application, my dauther and I would have not proceeded with the signing of the loan. My daughter and I have contacted XXXX XXXX several times to resolve this matter at no avail.
Product: Debt collection

XXXX   XXXX   XXXX  t Date   XXXX    31,2012 Amount   XXXX  This was taken to court. I had no idea the debt existed until I applied for a personal loan. I then contacted   XXXX   and that 's when I was told by them it was in collections and what it was actually for! Do I have any rights here? I was never notified of anything. I happened to stumble across it! They will not take a settlement or anything and even though I do not feel I am soley responsible for this debt I would like to rectify it.
Product: Checking or savings account

This problem is with cashapp.I was in XXXX, me and my friends used a taxi to the airport, the taxi driver first used my friend card which came to XXXX $ he claimed it didnt work which it actually did and then proceeded to use mine but charged my card 3 times for the amounts of XXXX, XXXX and the other one for {$1900.00} on XX/XX/2023! And I didnt noticed till I got back home in the U.S I disputed this through cashapp because I did not authorize this man to do so and cashapp denied my transaction, this literally hurts my soul because I dont even have a lot and they took all my money and as I told cashapp I have never even disputed anything ever. Also too I can not get in touch with the merchant because its not attached to a company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witn the Fair creair reporing act. The List or accounts berow nas viorared my rederally protecred consumer rignts to privacy and confidentiality under 15 USC 1681. Account : DEPT OF EDUCATION/NELNET Account # xxxxxxxxxxx XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XXXXXXXX XXXX XXXX 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 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 XXXXXXXX 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 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followinc items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 or other personal consumer reports

I ATTENDED A XXXXXXXX XXXX XXXX  WHERE MY WALLET WAS STOLEN. I MADE A POLICE REPORT WITH THE ON DUTY POLICE OFFICER AND WAS TOLD TO MONITOR MY PERSONAL INFORMATION MOVING FORWARD. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH.. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 AND XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Debt collection

Received notice from Mallen & Associates for a debt owed to XXXX XXXX XXXX who are listed as a banned debt collector on the FTC list.
Product: Mortgage

On XXXX/XXXX/15 entered into an agreement to increase monthly payments to cover post-petition negative escrow. Said agreement disappeared. Mortgage company removed negative escrow stating it was PRE petition and filed an incorrect POC in co-borrowers bankruptcy. I have all the documents to prove otherwise. All I want to do is pay the increased amount over 5 years to pay the negative escrow.
Product: Credit reporting or other personal consumer reports

I just checked my credit and found some inaccuracies. The Fair Credit Reporting Act ( FCRA ) is a federal law that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. Recently i did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of Documentary material under 12 U.S. Code 5561 ( 4 ) Documentary material The term documentary material includes the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium. Must have verifiable proof which is listed within this letter within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Product: Debt collection

I live in XXXX this company isnt licensed in my state the company name is Consumer Adjustment, phone number for XXXX XXXXXXXX press 2. They are not licensed in my state plus the statue of limitations is up
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX  XXXX are inquiries on my credit report that was not authorized to run my credit whatsoever. They never had permissible purpose. XXXX will not remove the inquiries and told me they will not dispute them!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an email to the actual creditor on X/XX/2017 I also contacted XXXX XXXX when they notified me via email that a credit inquiry was pulled for this company one day prior. I am not even sure why because I have a fraud alert on my credit report but they failed to contact me via phone to ask if it was me. Which is totally pointless in having a fraud alert. 

I did not give this company permission to pull my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. I contact all three major reporting agencies informing them that they were in violation of federal law. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

After I sent certified letters to the reporting agencies, they responded saying these accounts were verified. This I know to be not true pursuant to 15 USC 1681a ( e ), there must be an investigative report with the source of the report coming from interviews of family and friends. I do allege that no such verification exists.