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

I have filed a identification theft report and submitted it XXXX and Experian and my ID with my correct address my credit report shows a different address that is not mine I have multiple account on my credit report that do not belong to me the creditors don't even have my correct information other than my social security number they have the wrong address wrong email wrong phone number and won't even let me access anything because I don't know the information that they're asking me I spent multiple documents asking for blocked and to be deleted and proof of ownership the accounts in question are XXXX XXXX, XXXX card, XXXX XXXX XXXX, and XXXX card
Product: Credit reporting or other personal consumer reports

On XX/XX/year> these Companies pulled my credit profile without my Authorization. This incident was reported as identity theft & should be removed from my credit profile. - 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 XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I made a debit card purchase on XXXXat XXXX. My transaction showed declined at the terminal however chase completed the transaction. I was told by XXXX to dispute the charge with my bank. XXXX is not allowing me to dispute the transaction stating that the transaction was completed. I have my documents showing I paid by other means but chase is not allowing me to submit the documents.
Product: Credit card

I have had my XXXX XXXX XXXX for the last XXXX months now, and have been continuously requesting credit limit increases for the last XXXX months as XXXXXXXX XXXX was not enough to handle my daily expenses, and my utilization rate is extremely high due to this. 

Capital One representatives said that after my XXXX statement is cut, I would receive an automatic credit line increase to help out my utilization rate. It has been that, and no increase. The reason being is that there is missing info from a bureau, that being XXXX. I asked the rep to try a different bureau and there was a hard pull and then I got hung up on. 

The Capital One cards I have XXXX even reporting to XXXX at all, which is a violation of the Fair Credit Reporting act. XXXX is asking me to contact Capital One, and CO is asking to contact XXXX, unacceptable. 

I am looking for my promised credit line increase as I have been maxing this card out XXXX and paying it off in full, and for this card to report to my XXXX. I love capital one and would like to continue using it but this is unacceptable.
Product: Credit reporting or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have tried numerous times at the request of my co-signers asking Navient release my co-signers from my loans. I have never missed a payment, even though some of my loans are disqualified from an interest rate reduction for no reason. I did not finish my course of completion, but I was told in the beginning as long as I had a consistent payment history I would qualify, but that again was misinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached explanation. I sent this letter to all three credit agencies and Goldman Sachs to plead for an act of goodwill.
Product: Credit card or prepaid card

I made several online purchases from XXXX on XX/XX/2023. I was double- charged on all of my purchases on that date. 
The charges in dispute with Citicard involve a charge for two mattresses which I never received and was notified by XXXX that I was refunded for both charges for {$160.00} each. I received only one posted credit from Citicard & was informed by the Dispute Center that I was responsible for {$160.00}. This dispute process has been ongoing for two months. Additionally, I have talked to two agents from XXXX who assured me that I would not be double charged. I have the documented correspondence. I have also talked to two Citicard agents who assured me that the matter would be investigated. I hav even contacted the CEO of Citicards and sent all relevant documents. 
I also did not receive credit for a refund for a return to an XXXX merchant. I returned a cabinet for $ {$42.00} & a watch for {$26.00} and received a refund from XXXX but the conditional credit was reversed by Citicard dispute center.
Product: Checking or savings account

I was informed that accounts opened between XXXX and XXXX may be entitled to a refund for fees. I had several accounts with Wells Fargo between those dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX, XXXX XXXX XXXX, XXXX and 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. sec 2 : It also States a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX on XX/XX/2021 on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from XXXX. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. 

disputed accounts XXXX  XXXX XXXX  Opened XXXX {$560.00} XXXX XXXX XXXX Opened XXXX {$3200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Consumer, Natural person, wrote a letter to Navy Federal Credit Union addressed to CEO, XXXX XXXX of furnishing inaccurate information, and failing to follow reasonable procedures for ensuring the accuracy of Consumer information, failing to properly investigate a Consumer dispute and issuing or obtaining a Consumer report for impermissible purposes has caused Consumer severe and actual damages for an account that is on Consumer credit report for a number of years as a CHARGED OFF. NFCU continues to act XXXX XXXX XXXX  as if they don't know what account Consumer is speaking of. Along with Consumer letter of them having a duty, the Consumer also sent in the IRS Form 1099 OID is which was submitted to IRS in XXXX. As stated in my letter informing NFCU that they CHARGED OFF the said debt on the REVOLVING CREDIT CARD that was paid in full. IRS Publication 4681 states if NFCU never sent Consumer a 1099 C form but DISCHARGED the debt and according to the IRS NFCU must report cancelled debt as gross income on NFCU tax returns and the IRS clearly define CHARGED OFF as gross or ordinary income which does not get reported on CONSUMER reports, which is fact makes NFCU reporting inaccurate. NFCU reported to XXXX that this debt was a collection and charge off and payments after charge off/collection-paid profit and loss while they reported to XXXX unpaid balance reported as a loss by credit grantor and that Consumer opened this account on XX/XX/XXXX. NFCU decided not to respond to this account # XXXX and instead decided to address an active XXXX XXXX XXXX XXXX XXXX XXXX  account that has never had any issues. 

NFCU requested for Consumer to send : 1. Detailed description of the item and why Consumer feel it is inaccurate 2. Date of the disputed item. 
3. Full XXXX account number in question 4. Copy of the single bureau credit report from XXXX, XXXX and XXXX that reflect the dispute And threaten Consumer stating without this information, in which Consumer has submitted a Notarized and Certified detailed debt validation letter addressed to CEO for DISCHARGED debt and copy of 1099 C along with Damages caused to Consumer [ Exhibit 1 ], Ceast & Desist Letter [ Exhibit 2 ], Invoice [ Exhibit 3 ] and Drivers License [ Exhibit 4 } and Copy of 1099 C [ Exhibit 5 ] that Consumer sent to IRS for XXXX  Estate Taxes. 

Also, the statutory limit for a credit card to be reported under Michigan Regulation and Collection Practices ( Excerpt ) Act XXXX of XXXX Prohibited Acts, NFCU has 6 years from the date of last payment to collect debt. 

Letter from NFCU [ Exhibit 5 ].
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken with Navient several times, I have been very confused about exactly what I owe and how many loans I have. My loan is confusing. I started off with 2 loans one for {$3500.00} the other for {$4900.00}. I was so hesitant to go back to school, this is why! I was divorced in 2007, I was raising XXXX kids on my own and working 2 jobs. One is as a XXXX in the XXXX XXXX, working with XXXX XXXX XXXX. I have done this job for 13 years. I thought I could become XXXX XXXX. Both Universities convinced me I would get all kinds of grants because I was a single parent. I did not receive much help at all. My ex husband paid no child support either. I saw the loans getting bigger and decided I could not pursue my XXXX XXXX because I could not afford it. My loan has been sold to different companies and now because of interest and several deferments I owe around {$20000.00}! Through the years I have spoken to people at Navient relaying this information, they kept convincing me to do deferment. I have had to constantly work 2 and 3 jobs in order to live so these loans were not priority. I recently went to apply for a small mortgage because I am trying to find something more affordable and on my credit report Navient has several negative reports also I thought I had 2 loans and it appears on my report as 3! It has brought my report down significantly! I have also asked several times with the job I do is n't there any sort of loan forgiveness? I work with XXXX XXXX XXXX in a XXXX XXXX! Now my loan to find a cheaper place to live is not going through! I am stuck, confused and very frustrated!
Product: Mortgage

Servicer, Select Portfolio Servicing Inc ( " SPS '' ), not properly disclosing existence of lease protected by Protecting Tenants at Foreclosure Act ( PTFA ) to potential Buyer ( s ). SPS using Occupant disclosure where they claim no knowledge of lease that has been provided by tenant to SPS attorneys during eviction attempt. SPS is misrepresenting their knowledge of existence and contents of lease that is material knowledge must be disclosed to potential Buyer ( s ).
Product: Mortgage

I filed for chapter XXXX bankruptcy on XXXX/XXXX/XXXX. Included in thebankruptcy petition was an apartment that I surrendered XXXX, XXXX XXXX XXXX, MI. I completed and fulfilledmy chap XXXX bankruptcy with a discharge of debt on XXXX/XXXX/XXXX. Theproperty at the above address was sold in XXXX with no claimsprior to the discharge of debt from any lender. I do n't own theproperty and I do n't owe any lender any money either. Sincethat time, XXXX XXXX has claimed that I owe them money andreported this to all XXXX credit agencies, call them out on thisthey transferred the servicing to XXXX and for years they havebeen reporting this to credit agencies as unpaid and show me asbeing not paying on the outstanding note for years. I finally wentmy bankruptcy attorney and she communicated with them andthey agreed to stop the reporting and cease communication. 
They indicated in a letter that they contacted the credit reportingagencies and corrected the reporting that was going on for morethan XXXX years. Today, XXXX/XXXX/XXXX, I got a letter from XXXX statingthat they had transferred my account to a new loan servicerShellpoint Mortgage Servicing. I do n't owe any money and Ica n't seem to stop the continuing bounce to a different loanservicer. I have disputed the loans with the credit reporting agencies but they just take input from the loan servicers. 
Need some help here ... My attorney just got this resolved, or soI thought.
Product: Credit reporting 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 XXXX XXXX XXXX DEPT OF ED / XXXX : # XXXX, has violated my rights. 


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.

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 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any conusmer report containing any of the following items of information Any other advers item of information
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS ACCOUNT RESOLUTIONS are still reporting information on credit without doing their due diligence. Per the FCRA a debt collector must notify you in writing allowing you the opportunity to dispute or at least investigate prior to placing any items on your credit report. 
I Was never notified that ARS was attempting to collect on a medical debt from XX/XX/XXXX by a third party. Per statute of limitations in the state of Texas there is a four year time limit with regard to this in the court of law. 
Recently I checked my consumer reports and disputed this on XX/XX/XXXX and ARS was  supposed to investigate this. It has been over 30 days and I never received a response or any documentation regarding my dispute. 
If this is not removed I am prepared to take legal action against this company.
Product: Checking or savings account

Opened a money market savings account on XXXX XXXX at Wells Fargo branch in XXXX XXXX  Was told the apy  was XXXX. Signed up for that However when I received my first interest payment I was given a XXXX apy. 
Transaction date XX/XX/XXXX. XXXX XXXX  Transaction no XXXX Branch XXXX Posting date XX/XX/XXXX As stated I only received a apy of XXXX I have been in contact with them in person two times and each time no results. Keep putting complaint in I would like my Interest for June to reflect the proper apy Await response
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX and as well as XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX  ( Furnisher of information to credit agencies ) 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. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against federal law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e 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. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

On XX/XX/year> I contacted Discover XXXX XXXX about my credit card account balances. I have a balance that is subject to a special transfer rate and it expires on XX/XX/year>. I wanted to know how to make payments on that specific balance so that it would be paid off before it is subject to interest dating back to the initial transfer date. I was told that I can not do that, that the minimum payment is applied to the lowest interest rate first ( which is my balance transfer ) but all additional funds are always applied to the higher interest rate balance after that. Based on that, I would never be able to pay the transfer balance off before it expires unless I pay off the entire account balance. I requested they file a complaint as I should be allowed to pay this balance off before it expires. I even asked if I could send the payment with instructions in writing and was told it's just not an option. I feel like if you can't pay it off it's just a scam to make interest off you by promising low interest and then not letting you pay it off so they can charge you interest.
Product: Payday loan, title loan, personal loan, or advance loan

The minimum payment can not be changed. I attempted to take a {$50.00} minimum payment and increase it to {$300.00}. I attempted this online and talked to a representative and was told " It is a new system and it does not allow us to set that up. '' So a loan structured for 3 years would take 20+ years to pay and I'd be responsible for tens of thousands of extra interest. This is super shady and certainly stacks the deck in the bank 's favor. Anyone not paying attention would be fleeced by this despicable practice.
Product: Credit reporting or other personal consumer reports

In response to them closing complaint ending in XXXX, experian says they don't understand, WELL READ THE LETTER FROM EXPERIAN OWN EMPLOYEES SAYING IT THERE FAULT