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

WITHOUT MY WRITTEN CONSENT, XXXX and Early Warning Services has UNLAWFULLY shared personal information pertaining to my credit and have violated Federal Law as well as the Fair Credit Reporting Act. According to the Fair Credit Reporting Act, 15 United States Code 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX XXXX Solutions have not abided by these reasonable procedures. I have repeatedly instructed them to discontinue violating my privacy and they have failed to abide by their lawful agreement and ensure the fairness of me as the consumer. IT IS MY RIGHT to OPT OUT of their reporting of my information and their LAWFUL DUTY to discontinue reporting it. 15 United States Code 6801 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. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 ( 2 ) also states that " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' As it relates to XXXX XXXX XXXX  I NOW REVOKE ALL WRITTEN, VERBAL, NON-VERBAL, ASSUMED and UN-ASSUMED or IMPLIED consent to furnish my personal credit information. Any and all consent to any creditors whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " 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. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Finally, 15 U.S. Code 1681 ( e ) 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. Under that explanation, XXXX XXXX XXXX and Early Warning Services are not abiding by those very reasonable procedures. So, per FEDERAL LAW, specifically 12 CFR 1016.7 which states that " A consumer may exercise the right to opt out at any time '', I am opting out of your reporting services. Discontinue your unlawful practices and provide WRITTEN confirmation that the above instructions have been carried out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. 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  Company Inquiries : XXXX/XXXX 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, credit repair services, or other personal consumer reports

I was reviewing Free Credit report today XXXX/XXXX/XXXX and saw a description someone tried to apply for XXXX service. 

XXXX XXXX, XXXX I was in XXXX XXXX, Texas. 
I had just arrived from XXXX XXXX. 

Please clear this up. 

XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX Inquiry from XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ended my old XXXX cable account in XX/XX/2020 when moving homes. When closing the account, I was told that I had paid my bill for a full month in advance and that XXXX would be reimbursing me ~ {$200.00} for overpayment. 6 weeks later, I received a letter from XXXX at my new address with a bill requesting {$83.00} ( vs. them owing me ~ {$200.00} as the original representative had mentioned ). I then called XXXX again, explained the situation and the representative at that time informed me that what the first representative told me about owing me {$200.00} makes sense, it should be OK and the {$83.00} bill is an error and that she will look into it and call me back if there is a problem. I never heard back from the lady. 5 months later I check my credit report and see that they dinged me by ~150 points. I have never missed a payment before. I call XXXX and speak to ~50 people over 6 hours ( one group putting me through to another and then to another and then to the first ) and they acknowledge that there has been an error. They tell me that the first representative made a mistake and gave me wrong information ( i.e., they said I did actually owe {$83.00} and that they had made a mistake ). I have a recording of someone at XXXX telling me that it was their mistake and that they will remove it from my credit score - but this never happened. I then put in the same dispute with Experian and never heard back. XXXX PROVIDED ME WITH INCORRECT INFORMATION IMPLIED TO ME THAT IT WAS THEIR MISTAKE AND I DIDNT OWE THE MONEY. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I received my credit report and found several items that were not mine. I initially sent a letter to Transunion as well as the XXXX and XXXX to verify these accounts and provide documentation of verification. I received a response from Transunion stating these accounts had been verified so I contacted the credit bureaus again to have the documentation sent to me so I could verify the information received from them concerning these accounts. Furthermore I went to XXXX XXXX Police Department to explain I am a victim of identity theft, I was referred to the FTC to fill out a report, and instructed to try and receive documentation from these accounts so a proper investigation can be completed. Finally, I was instructed to place a ID theft alert on my account with the three credit bureaus so this action does not continue. On XXXX XXXX, XXXX, I sent a copy of the FTC report as well as a letter of the accounts and inquiries, which were the result of fraudulent activity and/or theft. However, on XXXX XXXX, XXXX, I received a letter from Transunion stating the company could not block these identified accounts as well as place the ID theft block on my account to have the creditors contact me if my credit profile is accessed by firms. This is a problem with having commercial companies whom can manipulate my finances throughout the course of my life.
Product: Credit reporting or other personal consumer reports

According to nd according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

and according to 15 USC 1681s-2 they are suppose to 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.

42 USC 408 asking for anyone 's social security number on any loan is double dipping and fraud which is a violation of RICO We the people are the credit and the debt the moment of signing you received your currency twice. According to my 1666 account. Several crimes have been committed and everyone will be held accountable. 

In accordance with 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. 
Account name : XXXX XXXX Account name : XXXX XXXX Account name XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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, credit repair services, or other personal consumer reports

I do not consent to authorize nor benefit from the inquiries
Product: Checking or savings account

XX/XX/2021 I transferred {$5000.00} from Marcus to XXXX XXXX, and {$5000.00} from XXXX XXXX to Marcus to backfill the savings account. 
I opened this account as an emergency savings account so that I can have access to my money anytime I needed it. I tried to move my money to my bank account, and received a call about the suspicious activity. I verified it was me, and they said it was fine. Then they locked my account. I am closing on a house soon, and I need my money to be able to do so. They are telling me to send them paper copies of my banking institution while they hold my money hostage from me. This is extremely horrifying that they can keep my money away from me when I need it most. 
I have no home, move from temporary housing to an extended stay with my wife and 3 dogs while Marcus has the power to keep my money from me in a time ( COVID making it worse ) I need it most.
Product: Credit card

I took a Super Check offer from Wells Fargo Bank that offered, I believe, 15 months with no interest. I calculated that {$300.00} a month would pay back the check amount by the deadline to insure no interest. When the the card was utilized for other reasons, I paid that amount in full along with the {$300.00} and I am still being charged interest. Why??
Product: Debt collection

I request that ERC provides competent evidence that I owe the debt and send me the following information : The amount of the debt Copies of documents that show I agreed to pay the debt The identity of the original creditor Proof that the Statute of Limitations has not expired on this account Proof that you are licensed to collect in my state Your license numbers and registered agent If ERC has unfairly reported this debt to the three major Credit Bureaus, it may constitute fraud. Please validate the debt or remove it from my credit report at all three bureaus.
Product: Mortgage

XX/XX/2019 Just because the company responded does not mean the complaint is closed. I need cfpb to actually protect consumers. Forward this complaint to the appropriate regulatory body for mortgage lending. Does it matter this company continues this practice or has multiple complaints that you can view just be " XXXX '' their name? 

SLS sent a letter stating I was 15 days late but no mention of the attachments in complaint number XXXX ( see attached ) showing no payment due. I am attaching the documentation AGAIN so SLS, who shows they have no understanding based on their response, corrects the mistake based on their own documentation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section

1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 an
d It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is showing I owe {$440.00} on my credit reports. I have been out of the country doing missionary work.I have never lived where the items were delivered. I never ordered or open a XXXX account. I was compromised by the Equifax breach this may have been a cause of Equifax. Please remove this from my credit reports. I need a signature showing this account is mine and then I can find out who open this account in my name.
Product: Student loan

My Husband and I have been paying our loans through the company XXXX XXXX since getting out of school in XX/XX/XXXX and XX/XX/XXXX. We do have a variable interest rate on our loans but we just received a letter that we feel is not fair. 
Every year our loans go up because of interest increasing but we received a letter on XX/XX/XXXX stating that they made a mistake with the interest rate between XX/XX/XXXX and XX/XX/XXXX and they didn't charge us enough. They are going to ask us to cover the cost of their mistake which coule be a lot of money. My husband owes over XXXX on his loan and I owe about XXXX ; so a year of lower interest could be thousands of dollars. 
We already pay this company XXXX and XXXX a month and are struggling to make those payments. 
Please let me know if this is acceptable I can attach the letters below There are no financials details as well, which is normal from this company. 
In previosu years when our loans amounts increased instead of sending letters, informing us of our new bill amount, we get phone calls regarding late fees because we didn't pay enough money in the previous month. 
They are very frustrating to deal with Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C. 1668 section 602 A. States I have the right to privacy.

15 U.S.C. 1668 section 604 A section 2 : It also states a consumer reporting agency can not furmish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I mailed a letter to XXXX XXXX XXXX, and I requested a 1099C to be sent to my address so I can file the canceled debt as gross income on tax return. I have yet to receive what I request. The reporting of this account is in accurate, income does not get reported on the consumer report. The IRS clearly defines a charge off as Gross or Ordinary income.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to XXXX was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance : {$0.00}
Product: Student loan

Have private loan with Navient and feel cheated many times over. Before I decided to return to back to school for my XXXX XXXX, I was paying extra on my loans and directed all additional funds to be placed toward the principle. However, instead of applying it as requested, Navient/XXXX just applied it to my monthly payments. For example, if I paid an additional {$50.00}, they would just take it off my next payment, not the principle as requested. In addition, there is not an option on their website to apply payments to the principle, you have to call them for this request. After calling and voicing my concerns, I was told there was nothing that could be done about it. So my " principle '' payments were going toward the accruing interest which is lining their pockets even further. 
Also, I have requested a plan of payment that could lower my payments, however, Navient instead pushed me into a forbearance in which I have to pay a {$50.00} fee to suspend payments for only 3 months. In the meantime, interest continues to accrue. Every time I contact Navient I receive a different answer depending on who I 'm speaking with. I, as a consumer who pays her debts, am very concerned that now that I 'm in a better financial position to pay off my private loan, my payments will not be properly applied due to previous experience. I feel helpless and taken advantage of. Navient has definitely showed me many times they are n't interested in helping their customers pay off their loans, but instead saddling them with more debt. At the same time, I continue to receive mailers and emails from them in a lame attempt to have me take out another loan from them. I will NEVER do business with Navient again and recommend anyone to stay away from this company!!!! 
I thank the consumers watch groups for their service to call out these crooked companies and hold them accountable. I 'm not looking for a handout, I just want what is fair. Apply all additional funds to the principle. Because of Navient 's deceptive practices, my private loan has swelled from $ XXXX to over $ XXXX and was NEVER in default! Please help!!
Product: Debt collection

XXXX XXXX is calling me from XXXX saying that they have a Mediation against me with Wells Fargo for a credit card that I had with them and that I owe them over XXXX dollars. I have never had a credit card with Wells Fargo and I told this company this and they said they were going to be taking to me court to pay this amount. They had my maiden name and not my married name and this account was from XXXX. This is XXXX so obviously this is a false account. I asked that they not call me anymore but within a few minutes I received another phone call from this company. I would like for this to stop.
Product: Student loan

Nelnet is my servicer for my student loan for my XXXX studies. My account number is XXXX. I took 2 loans out to pay for my XXXX {$20000.00} and {$12000.00}. Due to financial hardship over the last few years, I have had to defer my student payments until my divorce is final and get back on my feet. Recently, I received a notice that I was late on my student loan??? I thought I had a deferment. I look at the website and my deferment was denied in XX/XX/XXXX. I never received this letter. I called NelNet and got an excellent representative XXXX. She explained what Nelnet had done to me since XX/XX/XXXX.  Nelnet has been capitalizing the interest on my principle since XX/XX/XXXX. This now makes my {$33000.00} principle increase to {$37000.00} which I am now paying/accruing interest on. This was done without my knowledge. This was not explained to me. XXXX explained it did not have to be explained to me but now the Department of Education mandates that borrowers need to be told that deferments or forbearances will the capitalized interest and become part of the principle. Now, I am PAYING INTEREST ON TOP OF INTEREST. Who is making this extra money? I am in a hardship situation and the lender or servicer is gouging students with this usury type practice. On XX/XX/XXXX, I had an admin forbearance prior to deferment that capitalized interest. On XX/XX/XXXX, I had a grace period deferment that capitalized interest. On XX/XX/XXXX, I had an admin forbearance that capitalized interest. And now on XX/XX/XXXX, I will have a forbearance deferment that will again capitalize interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The following accounts listed below can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE as described in 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts. 

1. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Account Number : XXXX 2. XXXX XXXX ( Original Creditor : XXXX XXXX  ) Account Number : XXXX 3. XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) Account Number : XXXX The entries are REPORTING AND DATA FURNISHER VIOLATIONS OF 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 


REMOVE UNAUTHORIZED Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We called to have Equifax release the freeze we have on our credit information in order to apply for refinance of our home mortgage. They claim I have not properly identified myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment by XXXX for months of XXXX, XXXX, XXXX XXXX Showing 60 days late is incorrect! Please verify this information as not valid all accounts!