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

Experian - Refuse to remove items off of my credit report that does not belong to me. I have utilized their very own system from fraud alerts because I am a victim of identity theft XXXX XXXX XXXXXXXX Report XXXX XXXX XXXX its reporting by data furnished but anybody that use a social security will in a data furnished. Make it make sense also have a FTC report XXXX XXXX XXXX- reporting XXXX  acct # XXXX XXXX ( which is repoed but I never missed a payment ) that right there should tell you fraud because why would they repo a car that never was late ) Simply was not my car. Investigations are very poor and not in compliant with the Fcra and consumer laws. 

XXXX XXXX XXXX XXXX reporting XXXX  acct # XXXX XXXX ( which is repoed but I never missed a payment ) that right there should tell you fraud because why would they repo a car that never was late ) Simply was not my car. Investigations are very poor and not in compliant with the Fcra and consumer laws. 


XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Please proved that I lived, show me the lease and I will pay you! I never lived in this apartment where this gas was associated with also have FTC report These reporting agencies are breaking not XXXX, not XXXX but multiple FCRA laws and they are not in compliance. 
The inaccuracies on the report alone is ridiculous. This is very much against the law If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, XXXX 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. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) 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 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15. U.S. C 1681 C Section 605 B 15 U.S C 1681 e ( b )
Product: Student loan

On or about XXXX 2003, I attended " Financial Aid '' assistance programs at University of XXXX XXXX. We were pushed to secure high cost " private loans '' through XXXX  XXXX/Navient and was led to believe that we would get high paying jobs. I distinctively remember that they touted salaries of {$100000.00} for starting graduates. The very first year, the student loan amount was small, but every year the loan amount required to pay for the year nearly doubled. The student loans show this progressive allocation of increased costs per year. 

Fast forward after graduation, my Private Student loan payment was nearly {$1500.00} a month. My initial bi-weekly net pay with my {$36000.00} year job was approximately {$1100.00}. Since then, I have lived a nightmare of having {$170000.00} of private student loan debt with no ability to pay it without leaving in a homeless shelter. I still do n't have a six-figure job! 

I have made every effort to work with Navient with these student loans and they continue to call me frequently and aggressively state that they will seize my assets, garnish my wages and put a lien on my house. I live in constant fear that I can not live a normal life based on the sizable burden of debt on myself. 

No company in their right mind should give a XXXX year old student six figures of student loan debt. It is single-handly the worse decision I ever made in my life. I pray that the CFPB can stop this practice and give our next generation a more secure life. I am asking for CFPB 's assistance to make Navient aware that they gave a loan out that no one could afford and come up with a rational solution so I can live my life.
Product: Checking or savings account

On XX/XX/year> at XXXXXXXX XXXX  I arrived at M & T Bank to have my document notarized. I was instructed by a bank representative XXXX to wait for the XXXX XXXX to finish with a customer. XXXX also asked me what the document was and I told her in nature what it was for and proceeded to wait for the XXXX XXXX. XXXX then approaches me again to state that the head teller could notarize my document and look it over. The head teller aggresively approaches me to ask to see the document and said without even looking it over that she would not in fact notarize my document as it needed to have a notarity on the document. I stated to the teller I have had many documents notarized here and what was the issue today? The head teller stated that I could go somewhere else to have it notarized and she has a right to refuse my document. I informed the head teller that this is an inconvenience to me and I would be making a formal complaint as this is discriminatory. I contacted the main office and the representative ( XXXX XXXX also filed a complaint on my behalf stated that there is nothing in their policy that would prevent my document from being notarized. XXXX also verified with her supervisor on their policies regarding notary. XXXX called the M & T Branch and spoke with the XXXX XXXX who stated she wasn't aware of what was going on and for me to stop back in so she could look at the document. XXXX was well aware of what happened and didn't intervene to put her employee 's in check to handle the situation professionally. I explained to XXXX that there has been previous incidents of discriminatory practices against myself at this particular branch! This Bank for XXXX is stealing my credits, has no knowledge of banking or what a XXXX negotiable instrument is. Has no clue on what it means to have loyal customers! This particular Branch caters to the Caucasian 's that come in there but treat the indigeneous woman as if I am some XXXX criminal. XXXX XXXX has yet to contact me from XXXX XXXX ago to make an appointment regarding handling my investments. If this continues to happen M & T Bank will have a nice discriminatory Lawsuit on their hands for improperly handling consumers of a different background from them. I want an apology from all three of them for displaying their hatred while representing a financial institution in such a hateful manner. Professionals need to know their roles and act as such! If the XXXX head teller couldn't notarize my document she had no business approaching me aggresively to say anything that was not in her XXXX job desription! They also lied and told my son they do not notarize documents and they only notarize bank statements when he also is an M & T customer. Please explain to me if that isn't discriminatory! When I go there often to have my documents notarized!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, Experian and XXXX all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting XXXX XXXX XXXX they are breaking FCRA Laws. Some of their variations of names are : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage. 
On XX/XX/2022 my credit score plummeted over 100 points. XXXX XXXX XXXX for months have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, for years denied credit, denied employment, denied housing opportunities and loans. 
SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, you need to eliminate any false accounts from my credit report. Please review the documents, as some listed accounts contain inaccuracies in their reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reports on XXXX XXXX by Capital One Bank, reporting to XXXX   listing dark web information found on the credit report. Being denied employment through credit check processing indicating misleading and inaccurate personal behavior misstatements from non financial reporting. In 2018, reported dark web information found to FBI and filed a report as information is incorrect, improper use of email address, identity theft as email address. There are no billing statements, transaction of financials with the Capital One Bank or any other crediting bank. The email listed is registered on job boards, public websites such as XXXX  for employment. Currently, XXXX XXXX provided by XXXX is reporting as a Negative on the credit report on personal information found on a dark web search. I have taken the necessary steps in reporting to the authoritative agencies about this event and have filed claim to the FBI claiming Personal Identifiable Information, Defamation, and Identity Theft. 

The right to privacy is an element of various legal traditions to restrain governmental and private actions that threaten the privacy of individuals. No one shall be subjected to arbitrary interference with his/her privacy, family, home or correspondence, nor to attacks upon his honor and reputation. Everyone has the right to the protection of the law against such interference or attacks.The right to privacy is alluded to in the Fourth Amendment to the US Constitution, which states, " The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause ''.
Product: Credit reporting or other personal consumer reports

I tried to request a deletion to my negative accounts on my credit report its been 7 years, they havent processed it yet, one of the account been paid off they updated the account as paid less than full balanced wish is falls information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My social security number has appeared on the dark web. I was notified by XXXX  my social security number was part of the data breach. My account was hacked and money was transferred and stolen. I did not receive any money and did not apply for any loan. I have filled out a police report and sent several to all parties involved yet my name appears on National Credit Adjusters file and appears on my credit report.
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer FICO credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts. 
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  These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer FICO credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all previous consumer credit accounts, closed accounts, collections, and hard inquiries result from identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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: Debt collection

I pulled my credit report and there was an account from consumer portfolio which I never had I have made several attempts to get this resolved but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies XXXX XXXX XXXX Equifax, XXXX ) and the Creditors 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 involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Product: Bank account or service

On XXXX/XXXX/16 I called my banking institution, Wells Fargo to request a charge of {$2100.00} to be reversed from a debit card purchase on XXXX/XXXX/16. Where I visited XXXX XXXX XXXX Fl. to have XXXX XXXX. XXXX XXXX. My plan, was after having the retreat completed ; I elected XXXX XXXX XXXX, also of XXXX XXXX XXXX XXXX, to do XXXX XXXX XXXX. 

On that day, I made a deposit of {$2100.00} to XXXX XXXX for the unscheduled svc for the XXXX XXXX. The XXXX # XXXX was to be done in XXXX parts, in which my insurance ( XXXX ) was used to cover the cost. However, due to the exorbitant billing and being prescribed a medication that I XXXX ... I decided not to allow The XXXX XXXX XXXX do any further work. 

I called my insurance to let them know that I was going to select a new XXXX, to complete the work, they informed me that XXXX XXXX XXXX XXXX submitted a claim for a completed svc even though they had not finished the retreat svc and was paid fully which left me with no benefits to see another dentist. My insurance Co. requested a refund for {$560.00} from XXXX XXXX XXXX for and incomplete svc XXXX. 

I never received and invoice from the XXXX XXXX XXXX for any svc. All I was given was an estimate sheet and a receipt for the {$2100.00}, with no detail of what the deposit was for. 

I then requested the {$2100.00} deposit to be refunded from XXXX XXXX XXXX XXXX, to no avail. So, on XX/XX/2016, Wells Fargo reversed XXXX XXXX. 
On XXXX/XXXX/16, I visited XXXX XXXX XXXX XXXX and had a XXXX finished, prepped and fitted for XXXX. On XXXX/XXXX/16, XXXX XXXX installed XXXX XXXX, XXXX XXXX and the other XXXX XXXX. 

Later that day on XXXX/XXXX/16, Wells Fargo re-reversed the funds and debited the {$2100.00} from my acct. Which now has my acct negative {$1600.00} Once I contacted the claims dept. of Wells Fargo, I was told that the merchant ( falsely ) submitted a document stating XXXX svc for XXXX XXXX. 

I am a loyal customer of Wells Fargo. In this situation, Wells Fargo did not honor its customer 's word, neither did they reciprocate the loyalty. I have submitted all pertinent documents to support my position and still Wells Fargo is waiting to hear from the other party on a false claim.
Product: Debt collection

I have tried numerous times to contact about a debt on my credit report. Get the run around with different numbers to call and no one answers or tell me its the wrong department and try a different or previous number. Cant get clear info on debt and wont call back
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureau never did a proper investigation according to the FCRA for the account listed below XXXX XXXX XXXX XXXX XXXX XXXX  The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

This was not done. 

They have also violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. 

The Credit Bureaus stated this account was properly investigated and verified with XXXX and the XXXX XXXX XXXX but how is that possible when I have documentation from both sources that prove this information is inaccurate. This is the grounds for removal. 

They have violated the law because according to 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

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 adverse items of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I received a fraudulent check from a client, it was discovered before all the funds were cleared into my account, TD Bank proceeded to put a hold on all my funds in both my business and personal accounts with no warning or notice. It took the week to correct the problem.
Product: Checking or savings account

In XX/XX/2023, when Goldman Sachs suffered a {$470.00} XXXX loss on Marcus Consumer Bank, Goldman Sachs began withdrawing funds from our savings account for " Tax Purposes ''. They said we'd get the funds back after filing our taxes. However, these monthly ( or quarterly or whatever time period they are determining on their own ) unapproved tax backup withdrawals are lowering the balance and, thereby, lowering the interest earned. This activity was done without our approval on a checking account we had held for years without suffering any loss, fees, or unapproved tax backup withdrawals. Furthermore, we've been told that the same type of tax backup withdrawal will be applied to our CDs when they mature. We are closing all of our accounts and CDs, taking all financial backup withholding penalty fee hits, so we can get away from this unapproved financial behavior levied on us by Goldman Sachs.
Product: Credit card or prepaid card

XX/XX/2022 i received a credit card for activation. When I went to the app it shows a third card awaiting activation with a service fee. I called them and told them I didnt authorize another card to be sent to me. They informed me that I have to pay the fee. I told them i didnt sign up for a new card and I wont pay this fee. They cancelled the card and informed me that this will be reported to the credit bureau
Product: Checking or savings account

Unfortunately the complaint I made last year on XX/XX/XXXX is not able to have the same corrective effect for this year. HSA bank once again did not approve my XXXX claim on XXXX-the same product I claimed last year. The current denial letter from HSA bank indicates that I need to submit a prescription to deem it medical necessary, which is not true ( the same mistake they made as last year ). Based on the response letter from the company after I submitted a complaint to CFPB last year, the product XXXX was ( and still is, according to IRS guidelines ) eligible after the company finally did the investigation about the eligibility of fiber laxatives. I made XXXX customer services phone calls on XX/XX/XXXX, but no positive results, the representatives re-read the denial letter to me and told me I can not contact claim department or customer service specialist further ( again, the same experiences ) ; I contacted the numbers listed in the company 's response letter last year, but the phone number is not an active one. It is almost unbelievable that I have to go through this every time I need to reimburse the XXXX product.