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

I was involved in an auto accident with my son in 2021. When they officers arrived they call the XXXX when the XXXX arrived I declined service and they left. The other driver was sited to be at fault .y now reasoning for writing you all is because XXXX XXXX XXXX XXXX is now reporting collections on my credit report when they should be trying to collect payment from XXXX XXXX XXXX Department ( the one who called ) or the at faults party insurance and not from me. Please delete the 2 collection accounts from my credit report. Attached is the police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy. This is a medical bill due to XXXX. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is my first attempt to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  to remove this account from my consumer report due to it being a charged off account & is now a certificate of indebtedness, charged off & canceled by a 1099-c a cancellation of debt irs form , due to this now being a certificate of indebtedness it is now considered income & must be removed off my consumer report immediately! According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and Experian and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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 seven years. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Violating the privacy act of 1974! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX credit limit {$700.00} high balance {$1100.00} date opened XX/XX/XXXX
Product: Credit card or prepaid card

They are reordering my transactions in an effort to trigger overdraft fees. They post the larger transactions before smaller ones and they try to blame the merchant when I brought this to their attention. I made an order days before another one yet they posted the second one first because it was a larger amount, both orders were made with the same merchant yet they did that because then the 3 smaller transactions triggered multiple overdraft fees instead of just one overdraft fee for the larger transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and a medical account was added I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to I XXXX XXXX XXXX # XXXX, CHOICE RECOVERY INC # XXXX, XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX # XXXX, CHOICE RECOVERY INC # XXXX, XXXX # XXXX is to only be revealed with the patient 's authorization, therefore my request is two-fold and as follows, Validation of Debt, and HIPPAauthorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carefully drafted a letter after reading about fixing my credit on my own. 
I have wrong previous employers that are wrong and multiple accounts that are labeled as charge off with balances still owed and that is illegal to report that along with the fact I never received a 1099 for these items and some other accounts I was not late on and don't belong to me.I demand you delete this non-compliant listing on my credit, or I will seek damages in court
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Laws The Credit Reporting Agencies Experian, XXXX XXXX XXXX XXXX and all the Creditors that are listed on the credit reports where I made my dispute remarks are uploaded for your convenience, have Violated my FCRA Rights 15 U.S.C. 1681 section 602 A. - 15 U.S.C. 1681 section 604 A sec # 2.
Product: Student loan

Hello, I hope you are doing well today! 

I am writing because I am struggling to get any information from MOHELA about my attempt to enter the PSLF program. Under the extension which allowed PSLF applications last year, I put in a request to enter the program and have my service at several universities credited toward the length of service for loan forgiveness. This was some time in the Fall of last year, prior to the XXXX deadline. 

I eventually got a confirmation that my materials were received on XX/XX/XXXX. I was told at that time that I could expect more information within 90 days. 

Unfortunately, they have not been forthcoming with any information. At the beginning of XX/XX/XXXX, I had tried accessing their online system repeatedly, to no avail. I then tried to get the information over the phone and found myself faced with a frustrating automated system, which almost seemed to be engineered for the purpose of dissuading an individual from utilizing it. No matter the information I entered or words I said, I would get put into a loop where the system wanted to know what i was looking for, and then asked for identifying info- Which was unrecognized in each and every instance. Finally, after about 15 minutes of struggling with this automated system ( and attempting to trigger a transfer by using words such as " Agent, '' " Human, '' and " Representative '' ), I was connected with someone. 

While the woman I spoke to was incredibly kind, it seemed that she did not have access to much information, or at the very least, was unwilling to divulge any to me. After providing her with my information she was able to find my request, and informed me that it was being held up for review. Upon asking what the review was for, she refused to provide any information. I asked how long I could expect this to take, and was told I should hear back within a couple of weeks. It has now been over a month and I have not heard from MOHELA. Their phone system remains a kafkaesque nightmare. I was apprehensive about even wasting my time on the PSLF, knowing that previous administrations defrauded those who applied through the program, and I am now wondering if I have wasted my time for nothing. I would be immensely appreciative of anything the CFPB could do to compel Mohela to at least give me some information on what is happening.
Product: Credit reporting or other personal consumer reports

The credit bureau TransUnion is reporting a bankruptcy on my credit report, attributing the information to the XXXX XXXX  XXXX. have attached a letter from the XXXX XXXX  XXXX verifying that they do not furnish Information to credit bureaus or any credit monitoring service, nor do they verify reporting agencies. According to this law, credit reporting agencies are prohibited from reporting XXXX  cases on an individual 's credit report. 15 U.S Code 1681 a ( 4 ) Consumer Right to Q Gy. Consumer Right to privacy this XXXX  shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE. What would be a fair resolution to this issue? I request that you immediately remove this invalid information from my credit report. It is severely damaging my reputation and hindering my ability to secure employment to support my family.
Product: Checking or savings account

Cash app decided to dispute something without my approval or consent from a charge back on XX/XX/XXXX in the amount of XXXX. I never authorized this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

STATUS Navy Federal made this response about the improper use of my information on XX/XX/XXXX. 

Company 's Response The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of Navy FederXXXX member XXXX XXXX. The complaint was assigned a case number of XXXX. Navy Federal has reviewed XXXX XXXX concerns. Our records show that our member established the following Navy Federal accounts : a credit card account ending in XXXX on XXXX XX/XX/XXXX, a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX, a credit card account ending in XXXX on XXXX XX/XX/XXXX and a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX. These are valid debts and XXXX XXXX remains responsible for their repayment. As noted in the Navy Federal Important Disclosures, which may be viewed at navyfederal.org, we may report information about accounts to the credit reporting agencies. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX Navy Federal loan and credit card accounts. We will not request the removal of valid data from his s credit file. Should XXXX XXXX have any questions, he may contact us toll-free anytime at XXXX ( XXXX ). 

I was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. XXXX XXXX gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want use to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies. Please stop reporting my auto loans, inquiries, credit cards, or anything else.
Product: Student loan

joined as a student at XXXX in 2019 and went there for a XXXX  and XXXX  months, was set on a normal payment plan for my student loans and all was well, i failed one class due to attendance and signed up to retake it now ive been out of XXXX for almost 3 years and i apparently owe XXXX dollars for that one class i had to retake the loan terms and agreements made by the school are sketchy and they will do anything like make students sign loans to make a dollar, my mom had to sign first when i first came to apply for the school but suddenly didnt need to have her there to sign when i had to retake the class mentioned above. also notice how when contacting the school for said documents on the enrollment agreement they only send the initial enrollment agreement paperwork ive provided in the docs
Product: Credit reporting, credit repair services, or other personal consumer reports

There where some fraudulentl addresses accounts and inquiries reported to my credit report I need them removed
Product: Money transfer, virtual currency, or money service

Some one used my information to get cash from Speedy Cash it was not me I believe Speedy Cash approved {$250.00} and now a Credit Agency - XXXX  XXXX is sending me messages that I owe {$300.00} When I called Speedy Cash to let them know I did not ask for nor receive money from them they told me to make a police report -- the hours that I work do not allow me to go to a police station to file a report -- the local sherriffs office is not open on XXXX. -- the credit agency told me to file with you so that's what I'm doing -- I did have some one try through the XXXX XXXX XXXX XXXX file for a bunch of dept. store cards online - XXXX  XXXX, XXXX, XXXX XXXX, to name a few so I think it might be whoever did that - XXXX XXXX  did tell me that they are the bank for XXXX to which I had a card I cancelled so I think this all a result of cancelling that card. -- Thanks -- I did not take a Speedy Cash loan wasn't me
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a major issue ever since XX/XX/2020 i have had issues due to credit breach i have ove 50 inquiry on my credit and it has ruined my life i have sent all credit bureaus the same letter i will be attaching XXXX has really made me feel anger they have now requested that i sed in my ID not once but multiple times im unable to obtain any credit or even get my car im a nurse and i turned in lease now im car less and this is my last report please help unfair unethical
Product: Checking or savings account

I recently was appointed the Special Administrator over my fathers estate, after learning that his affairs were not handled by other members of my family 13 years ago. Another member of my family had passed away and the contents of my late fathers office had been held in storage untouched this entire time. Among them were a will and trust documents, but they did not specify the assets in the trust. However I recovered many financial documents that showed the XXXX was created at the same time my father was opening many new Wells Fargo products, solely in his name. This included the welcome letters with the full account numbers from Wells Fargo Investments ( Wells Trade ) a CD account with cash deposit receipts, and an upgraded XXXX checking and savings account. 
I went into a branch location in XXXX and called in over the phone on several occasions in the past month with documentation. 
Each time I give an employee the cd time account number they tell me that they have no information on this account and that they only keep records for 7 years. This was a cd my father purchased in the amount of {$25000.00}. The terms were for it to automatically renew and to grow interest. Now it has been 13 years and they have no record of this account even with me having the welcome enrollment letters and deposit receipt with full account number showing a maturity date that is XX/XX/2010 and my father died in XX/XX/2010. I am not given any further assistance. Where did his money go?
Product: Debt collection

I received a statement saying that i owed a bill from a company that is due to another. I then sent the company a certified mail and green return receipt. I asked for validation of the debt pursuant to 15 usc 1692g. I never asked for verification which i made clear in the letter i sent. I have not got the name and address of the original creditor. My understanding of validation pursuant to 15 usc 1692g is the debt collector has to provide me with the amount of the debt, the name of the creditor to whom the debt is owed along with other things.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts to remove unauthorized unverified inquiries from my credit report with XXXX & Equifax they are refusing to assist. These same items have been removed from my XXXX report as unauthorized and unverified as they are not attached to any account and unverifiable. 

This is affecting me from in a tremendous way and affecting my score which is limiting me to what I can do and move forward in my life. I am trying to buy a house and rebuild my credit. These inquiries are affecting my ability to do so. 

According to This : This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately I have attached a list of the unauthorized and unverified hard inquiries.
Product: Credit card or prepaid card

XXXX XXXX got a a fleet farm card to his address with his name on it with my numbers on it maxed out my account i contacted local sheriff department they come we notified synchrony bank on 3 way call then he took over i just found out nothing happened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX then i found out he got all our stimulus checks after our account was closed by using cash app XXXX its on my bank statement i just found
Product: Vehicle loan or lease

Loan was paid off on XX/XX/2020 I received the clear title in the mail on XX/XX/2020 Marine One debited {$200.00} from my bank account on XX/XX/2020 I called them on XX/XX/2020, it took 3 calls before anyone would answer the ringing phone. Spoke to XXXX who said it was my responsibility to cancel their scheduled payments. Was not apologetic at all, after I said I didn't like her attitude and wanted a supervisor she changed her tune ( and tone of voice ). Said she would cancel any future payments. I still wanted to speak to her supervisor - after holding for 5 minutes XXXX got on the phone and basically said the same thing. It was our fault that we didn't cancel their autopayments. I ended up disputing the transaction with the bank and now I an reporting their poor business practices here. I don't see how you can do anything but I want to warn others to STAY AWAY from Marine One Corporation.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding XXXX improper handling of my credit report, which has negatively impacted my credit score despite my diligent financial practices. This occurred multiple times between, XX/XX/XXXX to XX/XX/year>. Specifically, Equifax has been reporting my XXXX XXXX balance multiple times per month without justification, causing fluctuations in my credit score. This behavior contradicts the reporting standards that financial institutions and credit reporting agencies are expected to uphold. 
Here are the key details of the issue : 1. Inaccurate Reporting Frequency : * My XXXX XXXX account posts my statement balance once a month, as per their standard reporting practice. 
* I ensure that my balance is paid in full prior to the statement date to prevent any adverse effect on my credit score. 
* Despite this, Equifax has been reporting my balance multiple times within a single month, which creates the false impression of increased credit utilization. 
2. Impact on My Credit Score : * The repeated reporting of my balance has led to unwarranted decreases in my credit score. 
* These inaccuracies directly contradict the financial behaviors I have carefully maintained to protect and improve my credit profile. 
3. Efforts to Resolve the Issue : * I have verified with XXXX XXXX that they only report my statement balance once per month, in compliance with industry standards. 
* The issue clearly originates from XXXX reporting practices, not from XXXX XXXX  reporting process. 
This situation is unacceptable as it undermines the reliability of credit scores and misrepresents my financial responsibility. It has also caused undue stress and potential harm to my financial opportunities, including credit applications and interest rates. 
I request the following corrective actions : 1. Immediate Investigation and Correction : * Investigate the cause of the repeated reporting of my XXXX XXXX balance. 
* Correct my credit report to reflect accurate reporting practices. 
2. Preventative Measures : * Implement measures to ensure that such errors do not occur in the future.

* Provide confirmation that my credit report will be updated correctly moving forward.

3. Written Response : * Supply a written response detailing the findings of your investigation and the steps taken to rectify the issue. 
I trust that the XXXX XXXX XXXX will address this matter promptly to ensure that credit reporting agencies adhere to the highest standards of accuracy and integrity. Please do not hesitate to contact me if additional information is required. 
Thank you for your attention to this matter. I look forward to a swift resolution.
Product: Bank account or service

This is a small complaint about Wells Fargo 's procedures for a Certificate of Deposit : My CD for several thousand dollars was going to mature. I wanted to renew it with a different term. So I called a couple weeks before the maturity date, and an agent told me that I could not put in an advance order for the change, but to call again on the maturity date. I called on the maturity date, and the bank was closed. I called on the day after the maturity date, and an agent told me the CD was already renewed, and could not be retroactively changed. I really think the procedure should be more accommodating!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. 

XXXX XXXX Opened Date XX/XX/2015 Balance {$350.00}, XXXX, XXXX XXXX Opened Date XX/XX/2015 Balance {$870.00}, and XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}.