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

XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint Date opened XX/XX/XXXX Status Open. {$790.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$57000.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$1100.00} Original balance {$62000.00} Highest balance {$0.00} Terms 72 Months
Product: Credit reporting, credit repair services, or other personal consumer reports

3rd request I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
My current and only address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately delete any and all social security numbers that your company is reporting on my credit report. 
My date of birth is Date of Birth : XX/XX/1997. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. 
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. Required identity documentation attached. 


Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I received a letter dated XX/XX/2017 from Synchrony confirming that my high yield savings account was closed. However, I have recently asked them to also deactivate my online login access to avoid a potential hacking. Synchrony responded that they have no way of complying with my request and offered no additional remedies other than to say the account login is secure, which I find unacceptable given the number of corporate security breaches identified in recent years. More than a dozen financial institutions have recently complied with my request to disable my login access. Synchrony has been the sole exception.
Product: Credit reporting, credit repair services, or other personal consumer reports

Leased ( Pre-Paid at signing XX/XX/XXXX = " at end of lease you will owe nothing, walk away owe nothing '', via Salesman/Financial Mgr ) B Class, EV from XXXX ( XXXX ) : 1 ) XXXX attempted to charge {$600.00} maintanance fees during lease at service. 
REFUSED to pay. 
2 ) XX/XX/XXXX returned XXXX XXXX XXXX ahead of schedule under mileage by thousands. 
-Salesman, Finance Mgr wanted new car, new lease signed, " keeping same amount p/m payment '', " no added cost to you ''. 
REFUSED to enter into new lease or to purchase. 
Salesman/Financial Mgr insisted so, requested to see XXXX cars in stock, Salesman hesitated, demanded to be shown two ( 2 ) XXXX XXXX XXXX Class cars in stock both had red/green tag RECALL notices on dashboard Salesman tried to remove one, I read the other. 
3 ) Advised XXXX Salesman, and Financial Mgr will be purchasing XXXX. 
4 ) Received from XXXX statment, owed for 2 tires and end of lease cost, total $ XXXX+. 
5 ) Phone call to XXXX XXXX Manager with complaint : Challenged 2 items ( end of lease fee, 2 tires replacement ) with XXXX Mgr who sent another statement 2 tires removed XXXX XXXX added about same amount charge showing owed about {$1000.00}. Again REFUSED to pay. 
6 ) XXXX XXXX XX/XX/XXXX received a statement stating owed {$1000.00} will be turned over to collection agency if not paid15 days. 
7 ) Will not pay 2 reasons : XX/XX/XXXX PREPAID was final inducement to sign lease " walk away owing nothing '' ; XXXX car insurance ended XX/XX/XXXX if there were ANY damages which there were none car was covered. 
8 ) Readable copy of contract requested from XXXX Manager not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three reporting agencies ( experian, XXXX and XXXX XXXX have reporting a bankruptcy in error. They are you a company ( XXXX XXXX ) to verify the information thru public records. This is against the verification rules. Public records can not be verified or checked for errors. The US bankruptcy courts provided me with a letter stating they do not verify nor provide any information regarding court proceedings. Therefore the agencies can't properly verify the information in credit report. By doing so the are violating federal law and XXXX rules.
Product: Vehicle loan or lease

We bought a used car for {$13000.00} about 3 years ago- our loan company is Westlake financial. We have paid over {$13000.00} and they are saying we still owe {$9500.00}!!! We didnt pay for 2 months and they repossessed it. They are scamming by charging way too much interest m. We paid almost {$3000.00} in XXXX month and our balance didnt go down {$1.00}
Product: Vehicle loan or lease

I called for a payoff amount in XXXX of 2014 on my vehicle loan, and I paid the amount I was told which was {$260.00}. I did not receive a clear title, however I still had my title with the lien holder on it, and I wasn't selling the car, so I didn't think anything about it. I tried to obtain the title recently, and I was told that I still owed money, however I was never contacted about this, and no attempt to collect the money was ever made by XXXX XXXX. I don't feel I owe this money, as I was told the amount to pay by XXXX XXXX when they gave me the payoff. I just would like to get a clear title.
Product: Debt collection

So let me make sure that I understand. Despite writing NCB on XX/XX/21 ; XXXX and XXXX ( and showing proof of delivery by fax ) it wasn't until I filed a CFPB complaint that they SELECTIVELY responded and denied ever having received any one of the previous 4 letters sent to them ... hmmm. My request was SPECIFIC and based on everything I've been able to research on XXXX requirements for lawful repossession. So today I sent them another letter - I WANT ALL OF THE DOCUMENTES REQUESTED - especially proof that I was properly notified of the intent to repo the vehicle because I don't recall ever receiving a USPS notification or signing for such a letter. Once again today 's letter has been faxed ( proof attached ) and I've also contacted XXXX since NCB sent documents with their letterhead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice my credit report has unauthorized inquiries, same place but different dates XXXX XXXX XXXX Date:XX/XX/XXXX XX/XX/ :XX/XX/XXXX Type All Banks XXXX Date :XX/XX/XXXX Type Telephone Companies XXXX XXXX Date XXXXXX/XX/XXXX Type Telephone Companies XXXX XXXX XXXX XXXX  Date : XX/XX/ Type All Banks XXXX XXXX Date XX/XX/XXXXType General Clothing Stores XXXX XXXX XXXX  Date:XX/XX/XXXX Type Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX   Date XXXX Type Auto Financing Companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact XXXX  by phone and attempt to file a dispute on a account they list a collection on my credit report, account Resurgent/LVNC Funding Acct # XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX The amount XXXX. I am not allowed the file a dispute online, nor was my dispute taking when I called. I have no written legal contact with the company listed. I asked that a legal contact be provide. I was told by the XXXX representative that they dont have to provide a contact to me and they can still keep this reporting in my report. I asked that a contact be provide or this collection be removed from my credit report.
Product: Vehicle loan or lease

Prestige Finance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX I am writing to formally file a complaint regarding the recent stipulated judgment and the subsequent wage garnishment imposed by Prestige Finance.

Prestige Finance obtained a stipulated judgment against me for the amount of {$21000.00}, with monthly payments of {$250.00}. 
Recently, I was informed that if I do not accept a payment option for a larger amount of {$25000.00}, wage garnishments will be enforced. 

This situation has placed an undue financial burden on me, and I believe the terms of the stipulated judgment and the proposed payment option are unfair and unreasonable. I request a review of my case and a reconsideration of the terms to ensure they are fair and manageable. 

I am seeking your assistance in resolving this matter and preventing wage garnishment. Please contact me at your earliest convenience to discuss possible solutions. 


Thank you for your attention to this matter. 
Sincerely, XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having a sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX, PA XXXX {$4900.00} Per Credit Report this account was first reported in XX/XX/XXXX. I have filed several dispute since then asking for validation of debt and have gotten no result from XXXX, XXXX, or transunion. No documentation has been given you, was simple just sent a generic letter stating that information was verified to be true. As recent as XX/XX/XXXX, I did a dispute and received the same result from all three credit bureau. I need to get this resolve.
Product: Payday loan, title loan, personal loan, or advance loan

They keep emailing me and threatening to sue me sending me fake court papers and every thing Im being harassed
Product: Debt collection

On XX/XX/2021 Associated Credit Union sent me letter alleging I owed them a debt. 

I mailed them a letter on XX/XX/2021 asking them to furnish proof. 

They mailed me an invoice that did not have any signatures or contract language showing I owed them or the original creditor what they're claiming I owe. 

Only XX/XX/2021 I mailed a second request for compliance. 

They NEVER replied to my request for compliance, instead they waited until XX/XX/2021 and sent me the exact same letter they on XX/XX/2021. 

Due to the fact they ignored my request for proof twice, it is my belief that they're attempting to see if I do not respond to this letter in their 30 day time window so they could unlawfully post their account to my credit report. 

I am sending this complaint in hopes that they stop harassing me for good. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 



This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : 1. **15 USC 1681c-2 ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. 
2. **15 USC 1681i** : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. 

3. **15 USC 1681e ( b ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. 
4. **15 USC 1681g ( a ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. 
5. **15 USC 1681m** : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. 
6. **15 USC 1681n** : I reserve the right to seek damages for any violations of the FCRA resulting from this breach, should you fail to comply with my requests. 
Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. 
Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. 
Thank you for your prompt attention to this matter. I look forward to your immediate response in 4 days! 


XXXX XXXX ) XXXX XX/XX/XXXX {$8400.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$590.00} XXXX  XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$150.00}
Product: Vehicle loan or lease

I sent a check for roughly the amount of {$18000.00}. This check is from XXXX XXXX to refinance and paid to flagship credit. XXXX XXXX has confirmed flagship has gotten the check and deposited it. Flagship is now refusing to give me my title and has no history of the check even though XXXX XXXX confirmed and sent me proof it was submitted and deposited by them
Product: Student loan

This is a long story, but here it goes. When I first received a call from fed loan servicing the gentleman that called ( XXXX XXXX ) got me set up on what he referred to as the 25 year plan. What he explained was that as long as I made my payments for 25 years straight my debt would be forgiven. He set me up with a lower payment based on my income, family size, wifes incomes, wifes student loans. About 3 months in fed loan contacted me and said my payment was going to triple because the poverty level went up and I received a raise at work. What? Triple?! That seems excessive since my raise was a 6 % raise but payment will go up 300 % ... Then when I tried to contact XXXX XXXX of course he no longer works there. Fast forward three years and theyve double my payment every years since inception. Now its to the point I can not afford it. When I ask if I can see the numbers theyre using with the formula theyre using they say they can not share that information with me. I recertified in XX/XX/XXXX. Im starting the process for my next years recertification and again theyre saying its going to double. Neither mine or my wifes income has changed in two years!!! Again when I ask to see the numbers to justify this increase they claim they can not share that info. They wont even mail it to me! Pearly the whole company is very unethical. When I asked what I can do if I cant afford the payments they say tough deal with. Like that magically gives me more money to pay them. Something has to be done about this business. Can someone please help me recover the actual numbers the used with the formula to determine my payment, because something is not right here ...
Product: Debt collection

I Have made a complaint already on XX/XX/XXXX, Complaint # XXXX. Against Portfolio Recovery Associates LLC. They had bought XXXX charge off 's, One from XXXX XXXX Bank, XXXX. # XXXX, One from XXXX XXXX Bank, Acc. # XXXX. XXXX, XXXX continue to harass me. I sent them Postal Money Order reciet 's, but they didn't believe me so they kept on harassing me. I paid of the both Credit Card 's off in the year of XXXX. But I lost a reciet from XXXX XXXX, a {$50.00}, and XXXX from XXXX XXXX, a {$150.00}. But I did pay them off in XXXX. As I Received my Pension from the Military 100 % XXXX, I wrote them to tell them that, they won't be receiving any money as I paid off the both cards. I was going to small claims court for these both credit card cases in XXXX XXXX, but the co-vid hit in XXXX, California.They canceled all cases. What I Think is, they know they got taken to the bank in other words. They've lost so their very angry. So they get their pleasure from destroying my credit rating for the last 5 years. I'm going to court if I can to get them for financially. So they'll think twice about it next time. Thank You, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, Ca. XXXX
Product: Debt or credit management

XXXX XXXX XXXX IS REPORTING INACCURATE INFORMATION ONTO MY CONSUMER REPORT. THERE IS NO ACCOUNT NUMBER FOR THIS ALLEDGE DEBT ASSOCIATED TO THE ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax in regards to providing inaccurate personal information on my credit report! My name is misspelled, my date of birth is incorrect, and there are different addresses on there that I never heard of! I sent in a copy of my original birth certificate and social security card along with my dispute and they fail to update my information!
Product: Checking or savings account

chase bank made XXXX debits from my checking account in XXXX of {$1900.00} total of {$7700.00} without authorization, my bank has tried to get those funds back but they have not been able to recover this money claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a derogatory mark was added on my credit report per XXXX XXXX from Phoenix Financial Service and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), as upon further research, this account was transferred/sold, and I am no longer responsible for the account.

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ Medical Facility ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  reported on credit report XX/XX/XXXX XXXX/ XXXX  reported on credit report XX/XX/XXXX Factual Data reported on credit report XXXX XXXX XXXXs reported on credit report XX/XX/XXXX and XX/XX/XXXX I have not authorized any of these
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( 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.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit card or prepaid card

Sometime in XX/XX/2022, a new American Express credit card account was opened in my name without my knowledge or authorization. The opening appeared on all three of my credit reports. 

My wife and I both assumed it had to be by a fraudulent actor, but when we contacted American Express ( more than an hour on the phone talking to more than 5 individuals ), they finally admitted that the account was opened in my name because my wife requested I be added to her EXISTING account. No one informed my wife that a new account was going to be opened. She would have refused if they had. 

Neither my wife nor I authorized a new account in my name yet it appeared on MY credit reports. American Express acted like that's the way they do it and they see no problem opening a new account without authorization from the individual whose credit report will reflect the new account. They further implied that they would not even check to see if maybe my wife and I were divorced ( we are not ). They would be happy to let an ex-spouse create a new account in the other 's name and run up charges against that person and there is nothing the person can do about it. 

I did finally get American Express to close the account on XXXX XXXX, but now the opening and closing of a new {$20000.00} credit limit appears on my reports forever. Actually, I will have to pay money to get new reports to verify that the closing actually took place. 

I thought I had frozen/locked all three of my credit reports but that's another issue I have to look into. 

I suspect American Express employees are being pressured to open lots of new accounts without telling the account holders. Same thing XXXX XXXX was doing some years ago.
Product: Credit reporting or other personal consumer reports

I have not had any luck ordering a free Equifax credit report. I did have success with XXXX and XXXX XXXX. As a professional courtesy I am requesting my free annual Equifax credit report.