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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, JPMCB CARD  XXXX Date OpenedXX/XX/XXXXalance : {$5700.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Mortgage

I contacted Ocwen to for Modification. I have made every payment this year, however I am having trouble getting Ocwen to help Modify the loan. The use these stall tactics where they keep requesting the same information over and over again until you end up in foreclosure. I had to file a bankruptcy to stop it now I allowed my bankruptcy to lapse and Ocwen is now saying that they need additional paperwork. This happens over and over again. They did not honor the court order from before and they keep finding excuses to not approve the modification. I know they don't have to approve it but the stall tactics are not the proper way to do business. I have submitted my paperwork again and I have been submitting it for over a year now. Please help me get answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CAPITAL ONE BANK USA, XXXX   XXXX  XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and CAPITAL ONE BANK USA, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Student loan

Back in XXXX, I called AidVantage twice and emailed them once to get information on how to make weekly or biweekly payments on my student loans instead of the standard monthly payments. Both people I spoke to at AidVantage said it was possible and that they would email me instructions on how to do it. I pushed for them to give me instructions over the phone but neither would provide them verbally. I never received a response either time. The response from my email request was non-sensical and did not answer my question ( see attachment ). The allocation is not what I want to change, but rather the frequency of the payments scheduled. There is no answers in their FAQ page or their XXXX page. When typed into the Help section on the website, it does not give me any information on changing the frequency of payments, only information on overpayments. I simply want to break my monthly payment into weekly payments to save on interest since interest accrues daily with student loans.
Product: Debt collection

Hey I sent in two copies of dispute letters and they did not give me feed back on them. By law after 90 days of no response the debt is suppose to be removed. I know the laws and this concerns me. I want feed back.
Product: Bank account or service

I was selling jewelry online from XXXX list to get caught up on my bill '' s. 
A buyer sent to me {$1500.00} dollar '' s which i deposited in People '' s United Bank. 
In XXXX after the check cleared, i was told to forward the money by XXXX XXXX. 
I was told to keep {$100.00} dollars for the price of the jewelry.after the money was wired by XXXX XXXX, after i went to my bank to with draw my money from my XXXX check and the bank stole my XXXX check which left me with nothing.I am a XXXX patient, i have to have XXXX and also XXXX four times a day. 
I ca n't pay my rent, gas and electric and also i cant even by food for my service dog. 
The banking XXXX office Social Security and the police officer all told me that people '' s united bank would work with me so i can afford my living expense '' s this month. 
They refused to help in anyway.After the bank cleared a bad check they confiscated my XXXX check, the bank manager XXXX XXXX was willing to help but she said corp office refused.I have other XXXX beside the XXXX and i cant get any of my prescriptions. 
Most likely will be in the hospital due to XXXX.I am broke and need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was amazed when I viewed my XXXX, XXXX and XXXX credit reports and realized that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. I did recently move and not sure how this could happen. I have never had a late payment.
Product: Debt collection

I have contacted not only the debt collection agency, but the original creditor. I paid two payday loans directly to XXXX XXXX, yet they were sold off to the collection agency without first contacting me. I paid the debt in person and per their request sent in the proof. XXXX at Ad Astra informed me they do not see two accounts yet that is what they are reporting. I repeated myself and asked him if the call is being recorded due to the discrepancies, in which he said yes. I informed him I will use the information for verification which he did n't reject. The call took place on X/XX/2017. In addition I have asked them to only contact me via usps mail and they do not follow.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was deceived by an imposter for XXXX XXXX, a hiring manager for XXXX XXXX XXXX, conducted an interview and hired me with a signed contract for a position in procurement. He told me to make payments for his vendors to deliver electronics for the new position working remotely. 
Someone posing as an employer spent the last 7 days online with me, conducted a 2 hour job interview, made a job offer, and hired me. He then requested I submit money to a vendor to buy a work computer and printer for my usage working from home. He hired me to work for XXXX XXXX as a procurement specialist, along with a written job offer and job description given. Through mobile banking, I submitted a check he emailed, under the guise of buying these electronics. He instructed I pay out 4 accounts, which I did through XXXXXXXX bank XXXX He contacts me through XXXX app, and is waiting for me to cash the next deposited check. {$8400.00} Total amount given to me by check, and was instructed to make $ XXXX  in online XXXX  payments. 
Chase Bank told me the checks were drawn off a closed account. I ask Why were the checks cleared then? They should not have been. 
The scammer is posing as XXXX XXXX, a hiring manager and investor communicating with me for the last 5 days. Job offer arrived by email from XXXX XXXX of XXXX XXXX. I have saved the email communication, XXXX  app communication, and screen shots of the bank transactions on my computer. I only chatted and emailed with " XXXX '' but no voice or zoom meetings, and never spoke to anyone. He asked me to make a XXXX payment, but it appeared to never go through. I did a stop-payment for XXXX, but XXXX paid it anyway for {$1000.00} with my consent. Unusual activity was on the XXXX communication. 
It looks like the sensitive information he obtained was my Social Security number, home address, last 4 digits of my banking account, and my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion will not remove a collection account from my file that I have disputed since I discovered it on my reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX placed a Collection account on my credit files for {$1800.00} on behalf of XXXX XXXX. The account has been on my credit profile since XX/XX/XXXX. 

I have disputed this over and over since XX/XX/XXXX. The credit bureaus continue to say they have already " validated the debt '' in a previous dispute and they refuse to contact the original creditor and dispute the claim correctly. 

I have reported this to the original creditor years ago as a fraudulent account. XXXX still sent the account to a collection agency knowing I was disputing the fact that the account was even mine in the first place.
Product: Checking or savings account

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

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 
Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), they may be liable for false reporting. I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. 
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

They are violating my privacy per title 34 part 99 I never gave them written consent to put this information on my report. 

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education. 

The Act serves two primary purposes : It gives parents or eligible students more control over their educational records, and It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an XXXX XXXX, or if the student is a XXXX XXXX XXXX XXXX ( 20 U.S.C.S. 1232g ( b ) ).

An eligible student is one who has reached age XXXX or attends a school beyond the high school level. 

Subpart DMay an Educational Agency or Institution Disclose Personally Identifiable Information From Education Records?

99.30 Under what conditions is prior consent required to disclose information?

( a ) The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31.

( b ) The written consent must : ( 1 ) Specify the records that may be disclosed ; ( 2 ) State the purpose of the disclosure; and ( 3 ) Identify the party or class of parties to whom the disclosure may be made. 

( c ) When a disclosure is made under paragraph ( a ) of this section : ( XXXX ) If a parent or eligible student so requests, the educational agency or institution shall provide him or her with a copy of the records disclosed; and ( XXXX ) If the parent of a student who is not an eligible student so requests, the agency or institution shall provide the student with a copy of the records disclosed. 

( d ) Signed and dated written consent under this part may include a record and signature in electronic form that ( 1 ) Identifies and authenticates a particular person as the source of the electronic consent ; and
Product: Checking or savings account

Can not get deposits due to PNC bank not allowing me to link my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Vehicle loan or lease

I forgot to mention the financial person.left me and took my lease paper work. ..which.showed.the amount of the car. I believe he told the bank the real amount of the car. So he can get a commission. Because when I seen him he said this car is XXXX.so that might.be the mole he is the financial person in XXXX mall on XXXX XXXX.I believe he is the thief. But US bank should know and the people in XXXX this car was leased already. U can not sell it for the same price like I just came too buy it. .so there is something going on. And I really hope something is done. I'm not the only one. THANK YOU
Product: Credit reporting or other personal consumer reports

My credit score drops XXXX points in one fell swoop, now after months it embarrassingly rises one point. Not sure to classify this as pathetic or unbelievable.
Product: Payday loan, title loan, or personal loan

On XXXX  XX/XX/2021 I submitted a Paycheck Protection Loan ( PPP loan ) Application $ XXXX {$25000.00} and Loan Forgiveness via Suntrust Bank Business Portal . The subject PPP loan application due date was May XX/XX/2021. Please find attached SBA XXXX PPP loan application. On XXXX  XX/XX/2021 Suntrust Bank notified me regarding PPP loan funds depletion. I have contacted Small Business Administration ( SBA ) in writing on XXXX XX/XX/2021 regarding three XXXX pandemic economic damages and losses applications : PPP loan & Forgiveness $ XXXX {$25000.00} ; XXXX XXXX XXXXXXXX {$15000.00} and XXXX regular loan {$260000.00} ( approved by SBA ) as well as 7j XXXX XXXX XXXX  Grants. Based on the programs criteria, I qualify the subject four programs. I hereby demand both Suntrust Bank and Small Business Administration to pay the above referenced amount. If you need additional supporting documents, please contact me via email.
Product: Debt collection

I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from ERC which dropped my score significantly. I have received no phone calls or contact via US Mail to  confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. 

Debt information : Amount : {$350.00} Creditor : XXXX-already paid Collection Agency : XXXX XXXX XXXX ( ERC ) # XXXX phone for ERC XXXX Thank you
Product: Debt collection

Within the past year, XXXX was removed from my credit report. Now theyve got another company putting it on my credit reports when Im trying to buy a house causing my score to take a dip. Ridiculous. It was removed already. They cant just put it back on. Right?
Product: Checking or savings account

I had an On Line Savings account and a CD account with Marcus by Goldman Sachs. I decided to close these accounts in XX/XX/XXXX. There was no response from Goldman Sachs. After much effort and many pointless long phone calls, Marcus by Goldman Sachs eventually closed these accounts and sent me checks to cover my full refund in XX/XX/XXXX These checks were sent to XXXX XXXX XXXX XXXX who refused to clear these them and returned them. XXXX XXXX XXXX XXXX, did not clear the checks due a MISMATCH between the FRACTIONAL NUMBER and the ROUTING NUMBER on BOTH checks. I sent all details for the non clearance of the checks including a notarised affidavit to Goldman Sachs and requested they issue new and good checks. I have followed up by many phone calls but to date I have not received replacement checks. I seem to get nowhere beyond 1st base and speak to an agent who has no responsibility other than to say, Ive reported the situation to a specialist who will respond in 5-8 working days. I seek and am grateful for any advice and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to reestablish accounts as if they are current but they are old and paid off, they have accounts dated for 2023 as being new and the accounts are not only old but the information is not correct- XXXX XXXXshows derogatory, account was paid off, not discharged in XXXX  XXXX XXXX XXXX XXXX XXXX So this greatly reduces my credit score, I believe it is some fraudulent tactic that the credit bureau does and they have never been addressed about the issue. I have lost 2 apartments because of this egregious tactic.
Product: Credit card or prepaid card

I have submitted a dispute because the car rental company is not responding. I submitted a dispute with XXXX XXXX Barclays about it and they have closed the dispute stating they sent me a letter which i did not receive. 

I called XXXX XXXX  numerously to check on the status of the dispute and each time I get the run around and they tell me to call back. I called XXXX XXXX on XX/XX/23 and they said to call back again. 

Today I called to check on the dispute and XXXX who was very rude and dismissive towards my call, said there was a letter sent at the end of XXXX ... That is not true. I did not receive a letter, I only received a statement but never a letter. 

So they closed the dispute and never spoke of any correspondence from XXXX XXXX XXXX 

The car rental place deceived me with their emerald program, and over charged me without even giving me a rental agreement when i received the car. So all information was unknown to me until i dropped the car back in 2 days and they gouged my credit card.
Product: Debt collection

Calling me at work, threatening me. Call back hang up in my face. Attempting to collect a debt that is not owed. I do not have a contract or agreement with this company. I have never obtained money from them. The original pay day loan company was paid in full.