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

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX, XXXX - XXXX {$2400.00} XXXX XXXX XXXX {$230.00} XXXX XXXX XXXXXXXX - XXXX {$540.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have letters about a XXXX  day bankruptcy that was reported in error. Its been removed for every bureau except equifax.
Product: Credit reporting or other personal consumer reports

TS BEEN PAST XXXX BUSINESS DAYS AND THE ACCOUNTS ARE STILL NOT BLOCKEDVIOLATING MY RIGHTS AS A CONSUMER UNDER THE FCRA 605C I AM A VICTIM OF HUMAN TRAFFICKING THESE ACCOUNTS WERE THE RESULT OF THAT TRAFFICKING PLEASE BLOCK THESE ACCOUNTSWITHIN XXXX BUSINESS DAYS PURSUANT TO FCRA 605C. PLEASE PLACE A FRAUD ALERT ON MY PROFILE USING THE NUMBER XXXX. PLEASE PLACE A SECURITY FREEZE ON MY PROFILE. PLEASE ALSO OPT ME OUT. PLEASE BLOCK THE ACCOUNTS RELATED TO HUMAN TRAFFICKING. PLEASE ALSO SEND A COPY OF MY CONSUMER REPORT UPDATED TO MYSELF AND CPFB. SUPPRESS MY FILE
Product: Student loan

Navient place these loans on Administrative Forbearance for 1 year in XX/XX/XXXX. Which I did not request and placed more interest on the loans at their will. I have requested proof of debt from Navient from XX/XX/XXXX, which they have not produced, yet there are requesting to payment and will try in ruin my CREDIT. In addition to requesting payment they have increased what the payment was prior to the Administrative Forbearance an extra {$200.00} I requested all payments be put on hold until this issues is resolved and proof of debt is produced by Navient. As I do not have an agreement with them either. XXXX XXXX at Navient has received certified mail about this concern. 

Also, XXXX and Navient all come from Sally Mae. An e-mail was sent to the CFPB stating that the Department of Education requested to place my loans on hold until future investigation was complete. XXXX and Navient hold the same unsigned Master Promissory Note with populated information on there I did not place, so how is it that XXXX has placed these loan on hold and Navient has not? However, they fold the same MPN? 

I will attach the letter sent to Navient. Also, I have attached an screen shot of how Navient placed late payment information on my credit report and the loan were on Administrative Forbearance because they were being investigated. They had to correct this information on the credit report.
Product: Debt collection

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 

Company : XXXX XXXX XXXX Account # : XXXX
Product: Debt collection

My wife received a letter stating she owes {$12000.00} to an XXXX. 
Here is the information : Stuart -Lippman and Associaion XXXX XXXX XXXX XXXX XXXX Az . XXXX XXXX We do not own this bill. 
Improper written disclosed. 
Not a licensed collection agency I own XXXX  XXXX XXXX, XXXX and XXXX XXXX. Licensed collection agencies.
Product: Bank account or service

We opened a checking account for my daughter at M & T Bank in XXXX XXXX prior to her going to college in XXXX. On XXXX XXXX, XXXX they charged her XXXX separate insufficient funds fees. She contacted them and told them that she had not made the charges, that her account information must have been compromised as she had been using the debit card for some electronic transactions for school text books. 
M & T Bank concluded that since the card was in her possession she must have made the charges and refused to acknowledge any possibility that her account had been compromised. 
They are now attempting to collect the " debt '' of insufficient funds fees AGAIN. 
1. I can not find any indication that we had signed up for them to overdraft the account in case of insufficient funds - THE CHARGES SHOULD HAVE BEEN DENIED RATHER THAN PASSED THROUGH. 
2. The bank charged NSF fees 4 times in the same day - again, the card should have been declined!!
Product: Credit reporting or other personal consumer reports

My auto loan XXXX with XXXX XXXX has been with this bank for the last few years. I have reached out to inquire why my personal credit report is not showing any balance update or On-time payment history since XXXX of XXXX. I have simply been directed to submit a dispute via reporting agencies vs a direct answer from the bank. The NON updated information has affected my personal credit score as my credit utilization is inaccurate and payment history which has resulted in an inaccurate score and led to less likely approvals for any credit applications. I would like for XXXX to promptly correct said information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously requested that an item on my credit report listed under XXXX be investigated. In my CFPB Complaint ID # XXXX submitted XX/XX/2022, I stated that I had not received a response from your company with the results of my investigation requesting to verify the accuracy of this account. 

Your response to me was dated XX/XX/2022 and you stated : -Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. 

-If you question the results of our dispute process, you may also contact the furnisher of information directly. 

I did as you told me, and I submitted a complaint to XXXX on XX/XX/2022 CFPB Complaint ID # XXXX. In their response, XXXX stated that any further questions or concerns regarding the loan should be referred to XXXX XXXX XXXX XXXX. 

I then filed a complaint against XXXX XXXX XXXX XXXX on XX/XX/2022 CFPB Complaint ID # XXXX and XXXX XXXX XXXX XXXX stated they have not reported any trade line with any bureau pertaining to the complainant and encouraged me to resolve the matter directly with the Credit Bureau and the Financial Institution that has " allegedly '' filed the trade line.
Product: Debt collection

Calling everyday at around XXXX XXXX  when in bed, and always with a different number
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING TO HAVE FRAUDULENT INFORMATION FROM SYNC/PAYPAL   REMOVED FROM CREDIT REPORT I NEVER OPEND CREDIT OR USED CREDIT. MY PHONE NUMBER WAS HACKED THROUGH XXXX  AND FRAUDULENT ITEMS WERE OPENED.
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 a sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges a credits. This XXXX aligns with the recent CFPB findings against navy federal or 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: Mortgage

XXXX ID # XXXX WAS IN CHARGE OF THE HELOC PROCESS SINCE XX/XX/XXXX WHICH INCLUDED 4+ HARD INQUIREY CREDIT REPORTS FOR BOTH ME AND MY WIFE SEPERATLEY . THIS PROCESS INCLUDED A MAJOR DROP IN MY WIFES CREDIT SCORE WHICH EVENTUALLY DISQUAILIFED HER FOR THE JOINT LOAN ON THIS ACCOUNT. THIS WHOLE PROCESS WAS UNEXCEPTABLE AND VERY UNPROFESSIONAL. I HAVE BEEN A MEMBER OF NAVY FEDERAL CREDIT UNION SINCE XXXX AND HAD SEVERAL LOANS WITH NO PROBLEM.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I used XXXX XXXX to pay for the amount of {$700.00} at a XXXX gas station  the money was withdraw from the account and completed. On XX/XX/24 I woke to another pending transaction for another {$700.00} which resulted in my account being negative. I contacted the card issuer that I used to pay with and they said it would have been cleared by weeks end and also contacted XXXX and they wasnt able to do anything due to the amount pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing disputes for the past year with the following company Experian and I personally feel as if they are not reinvestigating the following account properly XXXX XXXX after I stated multiple times that the following account was charged off as of XX/XX/2020, since then the account has repeatedly been updated as charged off every month is an update in the payment history which to my understand charged off accounts should NOT include an active payment history, need I remind you this also falsely manipulates the statute of limitations, I am demanding a deletion of the following account XXXX XXXX.
Product: Credit card

Destiny Mastercard issued by Concora Credit has charged off my credit card. I am aware that a charged off line of credit becomes a certificate of indebtness which means it is income and must be removed. The law says it is illegal to report transaction history, finable at {$1000.00} per violation. Destiny Mastercard/Concora Credit has reported since XX/XX/XXXXXXXX  which not only permits the {$1000.00} per violation but also pain and suffering damages. Furthermore, under the Fair Credit Reporting Act information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I also have the right to Opt Out under 16 CFR 313.7 deriving authority from 15 USC 6801. Also, under 16 CFR 433.2 ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. The account with Destiny Mastercard/Concora Credit was an open-ended credit line and the credit application became a security the moment my signature was obtained. Destiny Mastercard/Concora Credit is also in violation of the Securities Exchange Act of 1934 for the sale of my security on the secondary market.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus has allowed creditors to place harmful information on my credit report. I requested from the bureau as well as the collection agency. I have asked for signature bearing documents to prove the validity of the debts I disputed. No such documents have been provided and XXXX  is complicit in this illegal action along with the collection agencies. The credit bureaus are violating the fcra.
Product: Credit reporting, credit repair services, or other personal consumer reports

My score went up XXXX points last week and two days later it dropped XXXX points because my XXXX  XXXX balance decreased-none of this makes sense and causing me to look like a fool-I have been paying on time-I have made a payment plan with one of these collections-these happened when I was going thru my second XXXX XXXX and my son died at XXXX yrs old-my Mother died 3 months later-I took care of both and only worked one full time job-I was not able to continue working 2 jobs-I have decreased my debt by over XXXX dollars-my next option will be to take legal action-not sure if this is discrimination-I will be asking other consumers if this has happened to them and ask them to join-I am also sending an email to the Whitehouse-this company continues to attempt to sell me credit monitoring-all a money maker Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my Dept Of Education accounts as verified after the dispute process with Experian today when I did not ask for verification of the account. I demanded for these 2 accounts be removed from my Experian credit profile and they responded saying the accounts were verified.

Under 15 USC Code 1b permissable purposes of consumer reports i never gave US Dept of education written consent to report this account on my Experian credit report. NO CONSENT IS IDENTITY THEFT! Which is why I filed my ftc report.

Also, This company is in violation of more laws and continues to furnish these accounts on my Experian Credit profile.

Under 15 USC Code 1681a ( 2 ) ( B ) Exclusions from a consumer report, these accounts are in violation, any credit transaction supposed to be excluded from a consumer credit report if a social security card was used in transaction. 

To conclude, how are my disputes coming back verified with an official FTC report?? My rights are being violated and I demand the CFPB to force these accounts removed from credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND THIS COMPANY I.C. SYSTEMS IS REPORTING AN ACCOUNT OF DEBT THAT I OWE IN WHICH I DO NOT RECOGNIZE. THIS COMPANY IS NOT LEGALLY LICENSED IN THE STATE OF FLORIDA TO COLLECT DEBT AS WELL. I TRIED TO VERIFY THIS BUSINESS THROUGH XXXX  AND THE COMPANY DOES NOT HAVE ANY LICENSES IN PLACE FOR MY STATE. 

THIS IS THE REPORTED ACCOUNT INFORMATION. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX XXXX, XXXX bank, opened a claim on my credit report for {$880.00}. 4 years later they closed it and Portfolio recovery bought the account and opened a new claim on my credit report on XXXX XXXX, XXXX for the very same amount {$880.00}. It has been more than 7 years since the initial debt was defaulted. I called portfolio recovery to discuss this situation and i was place on an extensive hold multiple time after i have stated the facts which are : - Same amount was claimed twice on my credit report by XXXX Bank first in XXXX which closed it out in XXXX then portfolio recovery in XXXX. 
- Original debt was defaulted back in XXXX why opening a new claimed in XXXX as if it is a new debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT. I HAVE REPORTED IT TO THE FTC AND TO THE BUREAUS ; I HAVE SENT THE INFORMATION AT LEAST HALF A DOZEN TIMES TO THE CREDIT BUREAU BUT THEY KEEP REPORTING NEGAVTIVE INFORMATION DESPITE IT BEING ON MY LAW ENFORCEMENT RPEORT AND IGNORING THE FACT THAT I WAS AFFECTED BY THE EQUIFAX BREACH. PLEASE ASSIST ME IN CLEARING MY GOOD NAME AND MAKING THEM ABIDE BY THE LAW!!! 

XXXX XXXX XXXX XXXX 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

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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: Mortgage

We live in XXXX CA, Our mortgage loan was transferred to SPS ( Select Portfolio Servicing Inc. ) in XX/XX/XXXX. They have continually and consistently raised our payment and the numbers never add up to the taxes and insurance going up which has happened. They label this the Annual Escrow Account. When I call, which is every year, we go back and forth ( they have been trained on the same lines that are full of lies to block you ) and they mail me a bigger set of papers with the same lies. ( They attempt to make it confusing by making it complicated and thereby obfuscating the Truth, but numbers do not lie. ) Numbers for year XXXX : Insurance went from {$1200.00} to {$1400.00} Taxes went from {$4900.00} to {$5300.00} add that adds up and total {$580.00}. They said there was a shortage of {$2300.00} and they raised our payment by {$190.00}. How? They say from last year but last year they raised they payment too. And it didnt make sense. They finally allowed us to pay Taxes and insurance separately but first they are stealing {$1700.00} from our family.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates. I believe I made required payments, and there must be way too much substantial amount of unnecessary fees. Again, I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first opened the credit card I had a higher limit. They dropped my limit which caused my credit to drop as my account appears now maxed out. They said I have to do another credit check in order to increase it again. Now I had a fraud on my account and card. I called to change the bank account. My account was passed due and they never told me on the phone. I have a bank account set up to take it out every month its NEVER LATE!! My auto pay was not set up. Im not working I pay only {$30.00} min payment. The account is over the limit. $ XXXXThey expect me to pay double the min payment plus another {$85.00} to make the account not over the limit. When they dropped my credit limit to begin with. They are not going to correct their incorrect credit reporting unless I do this. I spoke to supervisor on the phone. They have no courtesy to fix for a customer who has never been late. The calls are recorded. I called to make sure my new account has auto pay set up. They didnt do it over the phone. Now my credit shows 60 days past due. Plus late fees!
Product: Checking or savings account

I had Certificate of Deposits ( CDs ) maturing at CIT Bank. They were 13 month. I let them renew because the 13 month rate was paying marketplace average of 4.65 APR. On XX/XX/year>, I got a notice that the CDs renewed at 0.30 % which is ridiculously low. I investigated it with the company. They did NOT renew at same maturity length as original. They changed it to the 12 month renewal that was conveniently at lowest rate offered of 0.30 %. I said this was wrong. Renew at the original maturity length. They said NO. This is how we do business. 

My CDs were alot of money so they charged me penalty on my CDs to get them out of the 0.30 % rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regaurding my XXXX account XXXX XXXX XXXX XXXX for a XXXX account, it shows the account late last XXXX. I have had numerous calls with XXXX and they agree this is at their fault and have agreed to remove the late stature for XXXX. Please reflect this and the jointly agreed upon decison
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed above do not reflect any correct transactions done by me. 




My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. 
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Debt collection

Key 2 Recovery has repeatedly called me on my work number. From the number XXXX XXXX XXXX XXXX. At one point they were calling every day. I can't have my work line tied up with this type of call when it could interrupt customer support.