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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability
against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

Ive reached to each companies letting them know each account Im credit reports are fraud with a police report and also ftc and they wont remove it. 
XXXX XXXXXXXX XXXX XXXX  Account number : XXXX Amount : XXXX XXXX XXXX XXXX Account number : XXXX Amount : XXXX XXXX XXXX XXXX XXXX Account number : XXXX Amount : XXXX XXXX police department : Approved by XXXX XXXX Report number-XXXX  Each account has been investigated by the XXXX police department and declared as 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 XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX U S DEPARTMENT OF EDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXXXXXX / XXXX XXXX XXXX XXXX / XXXX / XXXX / XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a 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

The company is not being honest. They have received the {$2000.00} in funds for a down payment for my vehicle which shows in my contract as contribution towards payment and receiving the vehicle. The company is being dishonest and fabricated distancing of my old address and full mileage between their and the updated address which was 18.9 miles as proven by gps. Then harassing my mother at a different address in another town after already knowing where I lived her house was located in XXXX 40 minutes away from where I lived. 4 miles is a lie. Also, this company clearly sent out information regarding money owed after repossession which is considered wrongful repossession. Also this company has now illegal ran my credit report without my consent or notifying and a lawsuit is underway for their bad business practices. Federal states it is illegal for a company to run a credit report without consent. Federal violations with this company include but are not limited to. Reporting that an account was active after it was voluntarily closed by a consumer, Inaccurate statement of balance due, doing a soft pull on my credit report without my consent on XX/XX/2023 I was not made aware or asked by North state Acceptance if they can run my credit report. I am now also seeking arbitration, Punitive damages. These are awarded to punish an agency, business or individual and deter them from violating the FCRA again. There is no limit on how much can be awarded. 
Attorney fees and court costs. You can have the cost of litigating the matter covered if you win your case.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. 
I want these items deleted from my credit report effective immediately. 
I am attaching proof that the Consumer Financial Protection Bureau ( CFPB ) has admitted that I was in fact a victim of this XXXX XXXX breach and XXXX has deleted the accounts below, see attached complaint response from CFPB and XXXX.
Product: Checking or savings account

Huntington bank closed my account because of a dispute that was resolved in 2017. They would not give me a reason why they closed my account and they wont let me reopen an account with them when i don't owe them any money.
Product: Mortgage

Good day. This is additional information in reference to case number XXXX. Since the first complaint filed I am still having issues. Seterus sent me a letter stating the escrow was short and my mortgage payment would increase. A few weeks later they sent a letter of apology about the escrow letter being an error and to please disregard. Shortly after I receive another invoice with an additional {$140.00} attached to it ; I have no idea what this is. And last week I received a letter stating they did not have my social security number or a XXXX on file for me and sent a XXXX form for me to fill out. I have no idea what is happening with my account with this company but I am praying that someone get to the bottom of this.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have trying to refinance and my mortgage servicer Flagstar has added XXXX to my principle balance making not possible for me to do an FHA Streamline. I first contacted Flagstar around XX/XX/XXXX to ask them why they added XXXX to my balance and they could only say that there was a shortage to them when they purchase the loan from XXXX XXXX XXXX. I asked them, what does that have to do with me and how is it legal to add principle to my mortgage balance. They just said they can do it. I have called a total of 4 times and each time they say they will escalate to management to try to resolve my issue. I was able to contact the original lender XXXX XXXX with the help of my loan office and XXXX XXXX was able to confirm that they transferred the loan with the correct loan balance and that there was a principle reduction that took place at closing in the same amount that Flagstar added to my loan balance which I believe is an illegal act. You can't just add money to someone loan balance and effect the amortization of the loan. I gave the proof that Flagstar is in error to their customer service person ( you can not speak to a manager ) and so far my loan balance has not been updated and my interest rate is expiring thereby not allowing me to refinance because I can't get an accurate payoff. This problem can be resolved in 30 minutes if I can somehow speak to a person who has the power to see the error or put that person in touch with the represented from XXXX XXXX ( the original lender ) but apparently Flagstar is so big that you can't speak to anyone that can make a decision. They quote 24 to 72 hour to resolve the issue but I am on 4th try over span of 3 weeks going on 4 weeks and nothing. You should nail these Flagstar guys as I am suffering a loss because they can't seem to get there loan servicing straight. Again, I believe it is illegal to add principle to a loan balance period. How in the world could a borrower owe more money to their principle when all payment have been made on time and the loan was originally funded with the correct principle balance. It's not possible. Please help me get through to these people. Sincerely XXXX XXXX. XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow XXXX  disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies informations. Please see attache and help to resolve this matter soon as possible..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # 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 that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXXXXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

Since graduation in 2012, the payments made to Navient Student loans have been wrongly dispersed between 4 out of 6 accounts. Exact amounts were sent with the account numbers to go towards specific accounts. Every time the accounts were reviewed they have dispersed the money differently than where we indicated it should go. So, for 6 years now, going from Sallie Mae to Navient the different accounts have not been paid as the checks have directed. It seems to be a way for them to continue gaining interest not allowing a loan to be paid off. Just this month, 2 accounts were sent with the exact payoff amounts. When checked on, it was determined that they dispersed the money differently yet again. When calling to try and remedy this, the person on the line does not seem to understand the problem or puts you on hold and hangs up. Each account receives their payment each month. 

6 years of this. Something needs to be addressed with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion fraudulent credit card charge : XXXX XXXX, 2020 I tried unsuccessfully to freeze my credit using their website. The website is convoluted and obviously geared to trick you into buying services you do not want. I subsequently phoned their helpline and the person I spoke with froze my credit. On receiving my credit card bill there was a {$21.00} charge by TransUnion. I never authorized this and do not know how they got my credit card number. I can only assume they already have it on file and feel it is their right to use it without my consent. Searching online, I see many other similar consumer complaints.
Product: Debt collection

I owe XXXXXXXX XXXX a debt due to a XXXX credit loan I applied for and accepted in XXXX. I fell behind on payments and was notified ( via mailed letter ) the debt was sent to Rauch Sturm who has now been charged with collecting payment. I have asked Rauch Sturm for billing statements detailing the amount owed. They, Rauch Sturm, have refused to send records prior to XXXX. I believe they are misrepresenting the amount I owe which is the reason behind their refusal. I have already spoken with XXXX XXXX  who stated they do have the records but will only send them to Rauch Sturm.
Product: Mortgage

HELOC account involved in short sale XX/XX/XXXX. Republic Bank still reporting to my credit that it is late even after the bank charged it off XX/XX/XXXX. Stating payments of $ XXXX per month with {$28000.00} past due. During settlement, they got {$3000.00}. Prior to that I gave them XXXX and XXXX. I did everything I could to stay above water. I had several mortgages with them totaling over {$500000.00} and paid them all off. The HELOC funded those mortgages. Called Republic the other day and have had to call them back again and spoke with XXXX representatives, XXXX tried to get screen shots of my credit and the other, debt collector, did n't disclose as such and tried to get my divorce decree and said that once child support order is over for my exhusband he has a motion to garnish his retirement waiting. Needless to say, my husband and I got divorced over this, he left his job of 20 some years as he had to have high security clearance, we have lived in poverty with XXXX kids, they wiped out my bank account XX/XX/XXXX. They said the XXXX is missing. When I asked for an appraisal years ago, it too, was missing. I have a feeling the property was over appraised in the first place in order to facilitate me getting more mortgages with them. The second representative said I was faced with paying or bankruptcy again. I did n't file the first time when I easily could have, ditching about {$500000.00} worth of loans with them and I did n't. I paid them XXXX a month on that loan for many years. This is never going to end. I am trying to get into a low income housing program, and I ca n't because of this thing on my credit. Foreclosure would have provided me more protection. I bailed it out of foreclosure at least once in hopes of selling it, I rented it out trying to buy time, etc. At the time, Republic was so fierce and yelling at me all of the time. I have emails documenting some of that. They would call my husbands work about collections which is why he left. They were very difficult to work with trying to come up with a settlement. I also have those emails from the short sale person. I have managed to turn things around for the kids and I but now this is back.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft possibly through a data breech and did not make the charges listed. I ask that the items be deleted to correct my credit report at the earliest convenience. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card or prepaid card

While booking United Airlines tickets, I was shown pre-approval advertisement stating {$250.00} statement credit ( if card is instantly approved ) and XXXX points after spending $ XXXX in 3 months. I have XXXX XXXX, have 3 credit cards from Chase, have not applied for any revolving credit in last year, no major outstanding debt and stable income of > $ 200k/yr. My information was shared by United and was prefilled in Chase application and the application was not instantly approved limiting my ability to take advantage of the offer with a reason provided as additional information needed to verify DOB and Address. While I completed the transaction using my existing card, I do not understand and deserve this experience being a loyal customer of Chase. I had unnecessary hit on my bureau and feel the marketing practice was deceptive. Reference number included in automated email from Chase XXXX. I dont have any utility of the card and feel Chase needs to review its decision practices especially for the customers having additional cards from them.
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 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 finding 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all most be remove immediately
Product: Debt collection

I received notification via credit alerts that my credit was impacted due to a fraudulent account being placed on my credit report by radius global solution. I was never contacted or notified of this account via written correspondence. I requested debt validation and was never alerted or received any updates. This situation is very disheartening and impacting my livelihood.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EQUIFAX there are errors and inaccurate information in my reports such as the date of last activity, date opened, date reported, payment status, charges or amounts and etc. However, when I checked my report, I did not see any changes made at all. Inaccurate and erroneous information is still reporting. My rights have been violated numerous times. 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. It also states a consumer reporting agency can not furnish an account without my written instruction. 
I have also attached my FTC report with the report number XXXX
Product: Debt collection

I am writing to file a formal complaint against Paysafe, a company that has a concerning history of consumer complaints. I have personally experienced several of the issues that have been reported by others, and I believe it is important to bring these practices to light. 

Paysafe has a pattern of charging customers fees, even when the account is inactive or has never been used. This practice is deceptive and unfair, as it leads to unexpected and unnecessary financial burdens. The company also opened a second account without my knowledge or permission and charged a second identical set of fees so they are collecting double the fees of an unuseds account. Additionally, the company 's aggressive collection tactics, including sending accounts to collections without proper notice or resolution, have caused significant stress and damage to my credit. 

Furthermore, Paysafe has used various business names and sent emails from unknown or generic email addresses, which often result in the emails being mistakenly marked as spam and deleted. This makes it difficult for consumers to stay informed about their accounts and address any issues that may arise. 

I have also encountered instances where Paysafe employees have provided incorrect or misleading information, which has led to financial losses and further frustration. This lack of accuracy and professionalism is unacceptable and contributes to the overall negative experience with the company. 

I urge you to investigate Paysafe 's practices ( This seems to be the same thing XXXX XXXX was doing opening up fake accounts but, wells fargo was not charging fees on these accounts like Paysafe is doing ) and take appropriate action to protect consumers from these unfair and harmful business practices. I believe that holding Paysafe accountable will help prevent future instances of consumer exploitation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX