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

I recently reviewed my credit report and my personal information is incorrect. 


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, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802. I am now, immediately and indefinitely, OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX, EXPERIAN AND XXXX written, unwritten, verbal or nonverbal to report my nonpublic personal information to a third party. 

XXXX, EXPERIAN AND XXXX terms and conditions, they agreed not to share my information with non-affiliates. The alleged personal information on my credit reports are from nonaffiliated of XXXX, EXPERIAN AND XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB, and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. 

Per the Federal Credit Reporting Act as a federally protected consumer, per 5 U.S. Code 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. I never gave written request by, or with the prior written consent. Per 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under XXXX ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer XXXX exercise the opt out right. 

This is the only authorized personal information that I consent to have listed on all credit reports : NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX PHONE : XXXX
Product: Payday loan, title loan, or personal loan

XXXX Cash America Pawn i pawned 3 diamond rings in XX/XX/XXXX on XX/XX/XXXX at XXXX i went back to redeem with cash only 1 ring # XXXX was my actual ring I redeemed it the other 2 ring # XXXX, ring # XXXX was NOT mine i called XXXX  XXXX  XX/XX/XXXX at XXXX to complain i was told not to call the police someone would contact me right away.. No one did..on XX/XX/XXXX at XXXX i called XXXX  XXXX  & was told my case was  closed I said no way reopen it on XX/XX/XXXX I sent 2 demand letters for a Refund to XXXX & XXXX  XXXX giving them til XX/XX/XXXX to reply.. No Reply.. on XX/XX/XXXX XXXX i called XXXX  XXXX several times i was told they did not have to answer " a cilivan '' and stop calling them or they would block me and they DID BLOCK my number from their 800 # Cust Serv and 800 # XXXX  XXXX i have stock in this company and this is how I have been ripped off of original property and my money paid to them cash with 44+ receipts and all paperwork to prove it.
Product: Credit reporting or other personal consumer reports

Date of purchase of this vehicle was XX/XX/XXXX from XXXX. Wells Fargo was the lending of the car loan. I filed bankruptcy on XX/XX/XXXX. In that bankruptcy I reaffirmed my vehicle to continue to keep the vehicle and continue payments until the vehicle was paid off. Well Fargo Dealer Services National Bankruptcy Division mailed out a letter of acknowledgement confirming the reaffirmation request and accepting the terms of the initial agreement. Under acct XXXX my vehicle was paid off on XX/XX/XXXX. After pulling my credit Wells Fargo has failed at reporting 5 years of credit history involving my vehicle. After speaking with XXXX XXXX and XXXX the escalation rep at Wells Fargo. I was advised that due to a system error and failure to appropriately flag my acct for bankruptcy my credit history was removed and can't be reinserted to all credit bureaus. I was told that due to remediation there's NOTHING they can do. This is unacceptable and a complete injustice to me as a consumer having paid off my vehicle under contract terms and not have it reported properly. I have a right a consumer to know what system error caused Wells Fargo to remove all history of my payments to all credit bureaus. I should also have the right as a consumer to request this to be reinserted without any push back from Wells Fargo. This has impacted my credit negatively and I'm looking to have this resolved and reinserted expeditiously reported to all 4 credit bureaus. I'm also requesting an explanation of this system error. I have spoken with 7 different people at the Office of Presidents as well as the bankruptcy division asking how to file a complaint of resolution. They credit bureaus are refusing to file a dispute that doesnt appear on my credit. I understand that this can be done by the credit bureaus if a company is refusing to reinsert my credit history. I'm asking that Wells Fargo report this to the credit bureaus or if that fails for the credit bureaus to open an dispute on my behalf regarding this information not being reported and to have the 5 years of missing credit history to be reported and visible on my credit report so that my score can be increased. Thank you.
Product: Checking or savings account

I am writting to file a complaint against NFCU regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions wet processed. I was charged fees due to there delayed posted times of charges and credits. This issue aligns with NFCU for similar practices. Where transactions are being settled with insufficient balances despite initially having the funds available. These are unfair practices I request and investigation into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXXI attended XXXX XXXX XXXX in XXXX California. I took a leave for 6 months after I XXXX  XXXX  to my child, which left me XXXX! In XX/XX/XXXXI was on perminate XXXX! I have been fighting nelnet, us department of education and XXXX XXXX since XX/XX/XXXXfor my loan to be discharged. I kept telling them I was perminatly XXXX, they would send forms for my dr to fill out, I would send them and would get more forms, for years! The same forms! I had some credit issues so I pay XXXX XXXX  to repair my credit. In XX/XX/XXXX- XX/XX/XXXXI got several 120 day late payments on my credit report which were in accurate and cost me! Then this year I got another 120 day late fee and at the same i applied for a fee credit cards! My credit score dropped 25 points, i was denied the cards and got a few hard inquires on my credit report! I got a letter in the mail XX/XX/XXXX stating it was for annual employment income report! They know i dont work but also it says my discharge date was XX/XX/XXXX. I have been harrassed for many years by these student loan company 's and I need everything updated and correct, and discharged! They are still making my gma pay for some of my loan too cause she was cosigner! XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX XXXX XXXX, you have failed to verify and provide accurate information to the credit bureaus, reporting XXXX  day lates on my account. The burden of proof is on you to provide documentation that this account was late if you are not able to provide documentation that shows the account has been reported late, I am requesting a deletion. Per the federal law FCRA, XXXX have XXXX  days to provide this information XXXX  days allotted by FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose!! This company constantly reports to my credit when the car doesn't function properly! I have tried several times for them to understand I have also disputed this from my credit and XXXX will remove it then put it back up which is affecting me! I HAVE RIGHTS NOR DID I GIVE THEM PERMISSION TO DISCLOSE ANY OF MY INFORMATION TO ANYONE.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was charged {$500.00} by someone using a XXXX account my bank never notified me I dont know this person, I filed a dispute before the funds left my account in hopes to stop the bank from paying the money out to a charge I never authorized. The bank has been taking days to refund me my money but has charged me {$70.00} in over draft fees I feel like Im being robbed again first by the thieves who stole my money and second by the bank who is charging me fees still and I call each day and still no one in the fraud or disputes department has viewed my claim.
Product: Credit card

I have called my credit card company ( Barclay Card USA ) and asking for help so I can pay off my credit card and I was told that my interest rate is the lowest right now ( it 's at 24 % ). I would like to ask your help in any way that I can lower my interest rate on card to a manageable rate so I can pay it off and close it. Thank you
Product: Vehicle loan or lease

Subject : Dispute of Unauthorized Hard Inquiry by OneMain Financial Dear OneMain, I am writing to formally dispute an unauthorized hard inquiry that appears on my credit report. This inquiry, initiated by OneMain Financial, was made without my explicit consent and stems from what I believe to be false or misleading advertising.

The details of the inquiry are as follows : Creditor/Company Name : OneMain Financial Date of Inquiry : XX/XX/year> I was encouraged to apply for a financial product based on representations that I was " pre-approved '' or had a " high likelihood of approval. '' However, upon submitting my application, my credit report was accessed, resulting in a hard inquiry, without my informed consent. Furthermore, the application was ultimately denied. This practice constitutes false advertising and a violation of the Fair Credit Reporting Act ( FCRA ), which requires explicit consumer authorization for hard inquiries.

I kindly request that you remove the unauthorized hard inquiry from my credit report promptly.

I request its immediate removal from my credit report.

Please provide me with the results of your investigation in writing within the 30-day period required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called Equifax and was not allowed to speak to a customer representative/person about them placing a fraud alert on my account without my consent. When the called to remove it, again I was not given a live agent and again when I kept saying NO to the promptit was trying to force me into a fraud alert!! This is very aggravating and illegal!!!!
Product: Student loan

Navient refused to work with me on a repayment plan. I called them XXXX of XXXX? or XXXX, I ca n't remember but after they refused my payments and to work with me, they did a forbearance and said I have to start paying back XXXX XXXX. I have a CHILD! mortgage, power, water, gas, phone, car, car insurance, credit cards etc. I ca n't believe Navient does n't take into consideration all these bills I have ( i 'm sure i 'm not alone in this either ) but why dont they take mortgage into a consideration? I have a child who HAS to go to after school so I can work, do they not take that into consideration either? I ca n't stop all my bills just so they can get theirs. I have to have means of living and it XXXX me off Navient did n't work with me at the time I asked so I had to ask for MORE forbearance before I have to start paying back my student loans. I even offered to pay XXXX or XXXX a month and they refused it. I 'm wanting and offering to pay back as much as I could and it blows my mind, they say, " no ''. Who does that? I would 've NEVER gone to college if I knew it was going to be this much of a pain to pay back loans and even them wanting SO much a month. It 's crazy. I have a life to live and it 's not to put all my money towards student loans. Things change, life changes and they should work with the person to be able to afford within their means. I want Navient to accept my monthly payments as well as get rid of the interest that have piled onto my loan since they did n't want to accept my offer. As a matter of fact, when I had to start paying back my loans ( ca n't remember the year ), they denied it at that time too. So for however long i 've been holding off on my loans, I want all that interest taken off because I tried to pay it back more than once and they refused.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and my personal information has been used fraudulently. The following accounts appear on my credit report but were not authorized by me. I am requesting that these accounts be blocked and permanently deleted from my credit file pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00}
Product: Checking or savings account

I would be charged extra overdraft fees And hold a payment until my account was low then process it which would cause overdraft fees, and extra overdraft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until present XX/XX/XXXX. I have asked all three credit bureaus ( Equifax, XXXX, and XXXX  ) to remove all old addresses, and phone numbers. They continue to report mixed information. My current, and the only address that should be reported is XXXX XXXX XXXX, XXXX XXXX, Michigan XXXX. I have obtained letters from the court explaining that they do not provide information to the credit bureaus. I have opted out of XXXX XXXX and asked for a security freeze. I have a bankruptcy dated XX/XX/XXXX ID # XXXX USBK Court XXXX Michigan and disputed the bankruptcy several times, but they continue to report it. I would like the Consumer Financial Protection Agency to take the necessary steps to correct this unlawful act. Please investigate within the required time frame.
Product: Mortgage

SUNTRUST BANK .... 
In XXXX ; Home paid/ newly widowed when bank repeatedly pressures me to take out a personal loan..ok for XXXX. ( for grandchildrens tuition ) Smooth talkers. Days later found it was MORTGAGE.!! Suntrust said Oh well when confronted. Contacted Corporate..same message!! 
I paid regularly.. Fall of XXXX Suntrust began pressuring me to increase equity loan.a bit ... would lower payments. Ok In XXXX COVID hit..mail sent payment was late.I.ran to pay it..huge fees followed. 
Suntrust changed mortgage ..without notifying me.in Fall if XXXX Statements stopped coming..I reached out repeatedly to no avail. .I continued reg. Payments & begin hearing payments are much higher now but conflicting amounts given ... finally get an amount,, pay it & not enough..late fees abound & my credit is affected. Suntrust now calls to help me..by talking me into selling my home & paying them off!! I said NO. Now mini-strokes abound! Fees going up & payments I made were funneled toward principle..to me, that alone is fraud ... .unbelievable!! 
This week, Theyre threatening to change mortgage again! HELP!! How can banks be allowed to ruin good peoples lives.. & targeting those whove worked all their lives & trapped by the high powered marketing & deceptive practices??!!
Product: Debt collection

FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New York XXXX XXXX XXXX XXXX XXXX XX/XX/2024 TO : CRIMINAL ENFORCEMENT AND FINANCIAL CRIMES BUREAU XXXX XXXX XXXX XXXX XXXX  NY XXXX RE : ASSOCIATED CREDIT SERVICES, INCORPORATED XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXX XXXX DEPARTMENT OF CONSUMER AFFAIRS LICENSE # XXXX Dear Sir/Madam, I am writing to formally complain about the conduct of ASSOCIATED CREDIT SERVICES INC. false accusation of debt and financial fraud against the elderly.

Below are the specific instances of misconduct and unethical behavior I have observed : 1. Harassment : My PERSONAL financial institution informed me by email that there was derogatory activity filed against me, which has caused me undue stress and XXXX 

2. Failure to Validate Debt : I contacted ASSOCIATED CREEDIT SERVICES VIA telephone XXXX XXXX XXXX XXXX to inform them that I have " NO DEBT AND NO NEED FOR DEBT ''. Please validate the debt. Several weeks ago to this very day, I have not received any validation via telephone email or any other form of communication. ASSOCIATED CREDIT SERVICES INC FAILED TO VALIDATE THE ACCUSED DEBT. 


3. Disseminating of false Personal Information : ASSOCIATED CRESDIT SERVICES INC. reported false personal financial derogatory accusation about me to ALL credit bureaus affecting financial status ratings. 

4. I AM requesting that ASSCOCIATED CREDIT SERVICES INC. restore / remove all false and derogatory reported information from ALL credit buraus restoring, status ratings. Thereby according to my legal rights.

I requesting that you please investigate this matter as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX FOR THE COMPANY TO DO WHAT IS FAIR AND EQUITABLE TO ME AS A CONSUMER AFFECTED BY THE EQUIFAX DATA BREACH BY DELETING THE ITEMS IDENTIFIED AS IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon inquiry into my credit report I noticed that Capital One credit card reported a late payment in XX/XX/2018. I disputed this error with both XXXX and Capital One. XXXX made the dispute and contacted Capital One, Cap One would not change the late payment and I subsequently contacted them and they wrote back saying that they do not agree and that the late payment stands. 
I was never 30 days or more in paying late to Cap One, from the due date. They claim that I paid {$20.00} in XX/XX/2018 instead of the minimum of {$25.00}. My statement in XXXX shows not 1 but 2 payments, 1 on XX/XX/XXXX for {$25.00} and another on XX/XX/XXXX for {$40.00}. My XXXX statement reflects a payment on XX/XX/XXXX for {$20.00} and a " past due fee adjustment '' of {$35.00} on XX/XX/XXXX. I was also charged a past due fee on XX/XX/XXXX for {$25.00}. I paid {$80.00} on XX/XX/2018. 
Since consumers are protected under fair lending if they pay within 30 days of their due date, they should not receive a harsh penalty of late payment reflected on their credit report for paying less than their minimum due. In this case I was not late more than 30 days from the due date and I paid more than the minimum due. My credit standing should be changed and not marked as late for XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with XXXX and Transunion regarding incorrect items on my credit report. They are reporting a Chapter XXXX and Chapter XXXX on both TransUnion and XXXX. Its been well over 30 days and I haven't received results from investigation. Both Transunion and XXXX have violated my right to privacy... FCRA 15 US Code 1681 ( a ) Section 4. I will seek legal action against both if the don't comply with the law. They fail to comply with request for method of verification. I have provided them with documents from US Court stating that it is illegal for them to give out any information to Consumer Reporting agencies.
Product: Debt collection

I received a garnishment regarding an old collection debt that went into judgement in XX/XX/XXXX. The debt was turned into a judgement in XX/XX/XXXX with the law office, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, in XXXX, GA. It was cancelled onXX/XX/XXXX. The law firm XXXXXXXX XXXX XXXX, XXXX in XXXX, GA - XXXX, filed another judgement on XX/XX/XXXX. The debt went into collection in XX/XX/XXXX. I have not heard from this company for 11 years. The company that says I still owe them money is Capital One. It has been 17 years since this debt has gone into collection. When I spoke to their legal department, they were no help. They have began garnishing my wages as of today. I moved from XXXX  4 years ago. I now live in XXXX. I was not notified about them garnishing my wages until I received the letter from my company 's XXXX division. When I spoke to Capital One legal division, to XXXX XXXX - Supervisor - XXXX ext. XXXX. I told her that I moved to another state and that I have contacted my attorney. I told her the debt is 17 years old. She tried to make it seem as if the debt just occured within the last month. I am a single mother with XXXX children and I can't afford to have 25 % of my wages taken from me. I have included the documents for your review.