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

In a accordance with the fair credit reporting act XXXX account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion has failed to fulfill its legal obligation under the fair Credit Right Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Student loan

Over last several weeks I have started to get phone calls from Navient over my student loans. They demand repayment they state that I have gotten information that has never came to me. 
Their customer service will tell me one thing then I find out week later when they call back up asking for money that what their customer service has told me has not gotten done. Then their story changes on the loan within two hours of me calling them back to get the dispute resolved. One day my loan is in forbarace for a year two weeks later phone calls come stating I owe them money again. 
Keep asking for transcripts of the calls and all call logs that their company has placed to me so that I can have them for records of customer service telling me one thing them doing the complete opposite of it.

If their customer service was a legit thing and provided me or had the abitity to play them so that disputes could be resolved but their company refuses to provide them with out a sopina from the court. I am now having to look at that to get this dispute done. For the last two years I have repeatly been lied to about information over my student loans. I have papers work stating I took a loan with sallie mae and never anything to do with navient. They say I was notified but I never revieced any information untilll their reps started harrassing me. 
Everytime I have tried to call them we talk I am escolated to another person then another happens every time the calls are done. After the third person the calls go nowhere I say I am geting call backs but they never come. I am told that things are taken care find out once the phone calls start a week later what the customer service has told me is false and nothing is done. towards my loan except for them lieing to me. Half the time I can't even get someone on the phone that knows enough english to even handle anything. 
I have been mislead harrassed lied to and shown some of the most unprofessional unethical I have ever had when dealing with any company. 
I am now having to currently work on getting a supena for the calls and transcripts. Aling with having to take legal action against them for what they have practiced in thier businsss
Product: Credit card or prepaid card

To whomever it may concern at Discover Bank, I am livid to discover that I have not only been recharged for a fraudulent charge that I disputed with proper documentation for XXXXXXXX XXXX that I never consented to begin with, but also TRIPLE CHARGED on XX/XX/22 for an annual subscription that one can easily verify on my XXXX account that I do not even have one subscription to XXXX. This is an outlandish abuse and negligence for consumer due process. Considering that my XXXX account does not even have a XXXXXXXX XXXX subscription, it is quite obvious that I should not have been charged three charges for a service that I do not even have a subscription to at all and only one of the charges be refunded. Considering that this is my second complaint on this matter and attempts have been made to defraud me out of large sums of money, I am seeking legal counsel and keeping this account frozen until this is settled, as I do not feel safe using this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and was shocked and upset to learn that I have became a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of purchasing a home for my big family. Please remove from my credit report as 15 U.S code 1681i is law and this is in accurate please help!
Product: Debt collection

Jefferson Capital has listed a collection account on my consumer reports and damaging my credit / credit score. I have never done business with this company. Company claims that I owe them money in the amount of {$450.00}. Jefferson Capital sent sent me the attached offering payment options of charges owed to another company. Jefferson Capital has not provided any contract or assignment to which they are a party to. I have disputed with the company. They have damaged my consumer reports, by reporting this inaccurate, false information. I have submitted a report to identity theft.gov with these facts and attached herein.
Product: Credit reporting or other personal consumer reports

I had contacted equifax myself! And I also have logged into my XXXX account. I only have XXXX account with the credit bureau. It Is XXXX credit card. Credit karma Is reporting their own information that does not belong to me. They are violating my rights and breaking laws. 

15 Us code 1681 Please have credit karma remove all accounts from my XXXX except XXXX credit card.
Product: Checking or savings account

Regarding the complaints Case # XXXX. US bank did not being honest about my case and they lied to me and to you. Thinking that I will go away and you can closed this case because they responses.
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1. Took them 12 days to refunded my own money instead of federal regulation of 10 days. From X/XX/17- X/X/17 2. The day I notified US BANK my transactions was still in PENDING status. If they looked closely it is so obvious it was a fraud transactions.
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a.Transactions being XXXX miles from where I lived.
b. ATM fee balance inquiry at other network for {$2.00}.
c. non us bank ATM DENIED FEE for {$2.00} d. ATM card was in my procession.
c. I was a long time customer.
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3. Because of 3 of my bills being returned due to US bank refused to pay it knowingly that it was a fraud and now I am being charged late fees from my cable and water company.
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I am just a little guy who do not have money laying around for this type of injustice. US bank did have to go by the book if they have a heart. They have the power to pay while the item in PENDING status but they choose not to. They never returned my phone calls after several attempts.
To added the insult to my injury. This account was suppose to be a free checking account. After US bank took over they did not honor the old agreement and now I am being charged with {$7.00} monthly fees. I want my {$50.00} that was charged from my cable and water company. I want US bank to send an apology letter to them so they will refund the late fees that caused by incompetent from US bank.
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Sincerely, XXXX XXXX
Product: Checking or savings account

Huntington National Bank force closed my checking and savings accounts on XX/XX/XXXX. They stated I can not withdraw any funds, and it may take up to 60 business days for complete account closure and for them to send me a check for the remaining balance. Since the closure, I have had {$1300.00} from a MN State Stimulus Check as well as a {$700.00} MN State Income Tax Refund deposit into my account that I am also unable to access. I can not possibly wait until XX/XX/XXXX as need these funds to pay my mortgage and take care of my family. I have repeatedly asked for them to expedite this matter, but they state they are unable to do so. 

I have also filed complaints with the MN and Ohio Attorney General 's offices about this. The MN Attorney General 's office has promptly sent a letter to XXXX XXXX XXXX, Vice President of the Customer Advocacy Response Team.

Please assist me in getting this issue resolved as quickly as possible so I can continue to provide for my family in an already difficult financial time.
Product: Mortgage

I currently am delinquent on my mortgage payments and am in the process of going through a modification review. I have provided all documents requested of me by my mortgage company and am waiting for their decision. I also have a foreclosure sale scheduled on XXXX/XXXX/16 and need some assistance getting it postponed. Please help me keep my home, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute of items that were alleged to belong to me to XXXX, Equifax, and XXXX. It has been past the 30-day time frame outlined in the FCRA 611 ( 15 U.S.C. 1681I ). This is unacceptable I and this inaccurate information is staining my credit report, which I've worked hard to build. I'm not sure, but the alleged items could be linked to the Equifax data breach are. I would like this information removed immediately per the law or I will instruct my attorney to proceed with filing litigation to remedy this problem.
Product: Credit card

I took a loan from Synchrony bank to purchase an all terrain vehicle for my kids. 9-10 months later Synchrony sent me a letter stating that they did not offer me the best interest rate based on my credit score due to there own error. I called them to see if they would fix it since it was their error. They told me there was nothing they could do since I already agreed to the terms and accepted the loan. I only accepted the loan because I was falsely mislead to believe that I qualified for the wrong interest rate. Now they refuse to reduce the interest even thought they acknowledge it was there fault in reporting the wrong interest rate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX [ XXXX, Tx XXXX XXXX XXXX XXXX Equifax Equifax Information Services XXXX  XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : Dispute of Inaccurate Information Under the Fair Credit Reporting Act Dear Equifax, I am writing to formally dispute multiple accounts listed in my credit report that I believe violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). The accounts below have compromised my rights to privacy and confidentiality as established under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA : 15 U.S.C. 1681 Section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that predates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish information relating to a consumer to any reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

These provisions indicate that the accounts listed above may have been reported without proper verification or in violation of the time limitations set forth by the FCRA.

I request a thorough investigation into these matters and ask that you provide me with the results within 30 days, as required by law. If any inaccuracies are confirmed, please ensure that they are corrected or removed from my credit report.

Attached are copies of any supporting documentation that may assist in your investigation.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I sent 2 Certified Letters on XX/XX/2019 and XX/XX/2019 to Cavalry Portfolio Services , LLC to Validate my debt under the FDCP and never received any documentation with my signature on it as Validation as I requested. The collection is still reporting on all 3 bureaus as of XX/XX/2019. All I receive are statements concerning the debt they say I owe of {$3300.00}. The debt was not properly Validated on both attempts.
Product: Money transfer, virtual currency, or money service

Chase bank closed my account for no given reason and said I can get my money till XXXX or mid XXXX and I would like my money back
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft and there are inaccuracies on my credit reports. I have filed numerous FTC and IRS affidavits due to my information being used fraudulently. XXXX, XXXX, and Transunion are violating my rights by furnishing this data on my consumer reports. 
In accordance to the FCRA,15 U.S. Code 1681B- Permissible purposes of consumer report. 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 instructions of the consumer to whom it relates! I didn't give XXXX, Transunion or XXXX written consent to report the inaccuracies that are currently on my credit report. 
Also in accordance to the FCRA, 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation.

Lastly 15 U.S. Code 1681c-2- Block of information resulting from identity theft Except as otherwise provided in this section, 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 by such agency
Product: Debt collection

There is an account under the name Jefferson Capital Systems attempting to collect {$7800.00} from me. The account was opened on XX/XX/year>. 

I have no knowledge of this account and I believe it violates multiple consumer rights which will be listed below : 15 U.S.C. 6802 ( protection of nonpublic personal information ), 15 U.S.C. 1681b ( permissible purposes of consumer reports ), and 15 U.S.C. 1681e ( b ) ( requirement for accurate procedures ). An account was unlawfully opened in my name, resulting in unauthorized access to my personal information and misuse of my credit report. Additionally, the inaccurate reporting on my credit file reflects a failure to maintain reasonable procedures to ensure maximum possible accuracy as required by federal law. I request that the CFPB investigate this matter thoroughly and ensure corrective measures are taken.
Product: Credit reporting or other personal consumer reports

Ive never resided at the address listed on the application nor have I ever been employed at the said place. I have no acknowledgement of this debt and would like for it to be removed. Its also at the statue of limitation timeframe of XXXX XXXX. This company has ruined my credit for the past XXXX XXXX of debt that was never mine. Please remove this inaccurate and old debt from my file. Otherwise I will be forced to seek legal action.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT .PLEASE REMOVE THESE ACCOUNT FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX {$720.00} I challenge the accuracy, compliance and reportability of this listing. There is no valid claim ... account was settled with original creditor ( Debt can not be collected twice ) ... grave errorfalse  claimsand reportingI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Mortgage

I see multiple 120-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Purchased a phone through XXXX XXXX  Phone was paid off in 2020, was still being billed for the insurance on the phone after the phone was paid off. Have tried to resolve this by phone, email and regular mail with XXXX XXXX XXXX, XXXX, and XXXX. I have a XXXX balance, never owed this insurance and would like it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some reason when I submit disputes with equifax, and an item gets removed they drop my score. Just recently they removed to inquiries and dropped my score by XXXX points. I also called them ro inform them that they were incorrectly calculating my credit utilization. My credit utilization should have been XXXX % out of XXXX I believe. They have it listed as XXXX XXXX out of XXXX, and when I called a rep told me the do nothing to correct those types of errors, although I informed them its being utilized to drop my score. The same with a collections account from XXXX that all of the other Bureaus removed, because it is not my account. Equifax is not actually investigating anything or updating my credit file accurately or timely.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score does not ever change with Equifax. Equifax is not removing inquires off my report. I have file a FTC report to have account remove they have refused. Equifax have not updated my credit report with my good standing creditor 's. Equifax will not remove accounts that are over 7 & 10 years on my report .I am reporting discrimination and the customer service rep are rude and hang up the phone to keep you from disputes. 
I am very discussed with them .EVERYTIME I CALL they have my number on block to keep me from getting thru. I get a recording from my number but, when i call from another phone number I get thru to them .when a rep answer they put me on hold for a long period of time This is so unprofessional. we need to replace this company.
Product: Credit card or prepaid card

I received a notice from my credit card provider Chase that I qualified for a one month deferral on my payment. I took advantage of the offer,  skipped XXXX 's payment like they said I could and then made my payment for XXXX. I then received a letter stating that because I used the deferral they were reducing my credit limit by {$1000.00}. I have always kept this account in good standing. I have never made a late payment and I have always paid more than my minimum due. The Chase representative told me it had nothing to do with the deferral that they do frequent checks on all accounts and had decided it was best to lower my credit limit. I find it odd that they never did one of these checks before I took advantage of the Covid relief deferral just one week later as a matter of fact. I feel they are being unfair and taking undo advantage of Federal Covid relief funds put in place to help consumers such as myself. I want my full credit available amount to be reinstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  {$79000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CREDIT ACCEPT {$16000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$390.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$79000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CRD {$16000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$390.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$79000.00} POSTED ON XX/XX/XXXX XXXX REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT FLAGSHIP CREDIT ACCE {$9300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT