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

My name is XXXX XXXX. I am a real person. I have tried to fix my problems with XXXX and the other credit bureaus. They have continued to fail to be compliant. Ive let them know about my rights and the laws several times and each time they dismiss me as if i don't know what I'm talking about. Ive been studying they law and my rights as a consumer for over 3 years. 
They continue to furnish false and incorrect information on my credit report. I have told them the accounts below arent mine and need to be deleted immediately. However instead of deleting, they have just updated the account. I will take this matter into further action if they fail to delete the accounts from my report. 
They continue to violate my rights by furnishing information on my credit report without my written instructions and consent according to 15 U.S.C section 604 A Section 2, also states a consumer reporting agency can not furnish a account without my written consent. 
Also they continue to contact furnishers about information they claim is about me, & releasing information about me to the furnishers when I have gave them NO permission to do so. Ive told them several times these accounts ARE NOT MINE. But they still continue to contact furnishers to validate information about me and has continued to violate my rights and laws by doing so. 
According to 1
5 U.S.C section 602 A states i have the right to privacy. Also according to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not fu

rnish 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 1681c. ( a ) ( 5 ) Section also 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 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, Has violated my rights . These inquiries are unauthorized and ARE NOT MINE and should be deleted IMMEDIATELY! As well as the accounts below! 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX  XXXX Account # XXXX XXXX XXXX, has violated my rights. 

XXXX Account # XXXX of ED has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX. XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights.
Product: Student loan

I went to XXXX XXXX XXXX in XXXX XXXX CA, at age XXXX. 

The school made it seem like a " deal '' and that it was a Sallie Mae government loan. 
I have a deceased parent and was never informed about " Private '' loans. 
The loan was in 2 parts totaling {$70000.00} Now that I have to make payments they will not offer me a repayment program that works with my income. 

I have been placed on a Reduced Plan but Navient still requests I pay {$500.00} a month. 

I can not afford this loan and did not get the job guaranteed to me and do not work in field of study. I only make approx {$24000.00} a year I have reached out for help, but can not receive any. 
This is effecting my personal health and well-being.
Product: Checking or savings account

I had two XXXX CDs with State Farm Bank. State Farm bank formed an alliance with US Bank. In that alliance the bank products at State Farm were sent then sent to US bank. The two XXXX CDs that I have then incurred a {$30.00} per year fee. They also now have a {$35.00} fee to transfer the funds to another institution. I am a State Farm agent, I opened these accounts, and these fees did not exist. I am told these fees were disclosed on the transfer. I have done my research on the State Farm side and see not information on XXXX accounts. When I asked why I learned that in the alliance Coverdells are no longer sold. Hence there is no info on fees. In addition, the customer facing information for state farm customer in the alliance is to go to US bank 's mobile site. On their mobile site they do not disclose fees. When I asked why there are no fees on the mobile site when accounts are renewed or transferred out I learned from XXXX XXXX, the alliance coordinator from US bank that the clients should go to the full desktop site to see fees. That would be fine and good if State Farm did not instruct clients to go to the mobile site. This information gap cost me {$65.00} per CD on XXXX 's that earned under {$10.00} for the several years I had them. I also am having a hard time closing one. The SS # streamed over from XXXX to US bank is inaccurate so I have spent over 45 days waiting for the funds which still have not been released. I was told I would get forms to correct it. The forms were never sent. I did receive IRA distribution forms, not coverdell forms and no forms for SS updates. I am a registered rep, a 17 year state farm agent, a XXXX, XXXX, XXXX, XXXX. I am embarrassed I am the person who sold and serviced these accounts and have no access to accurate information on fee structures. The XXXX training info was last updated XX/XX/22 it is marked for internal use only so I can not provide it but it clearly states to send clients to the US bank mobile site which does not disclose fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know these account. These accounts has a lot of missing information to stand as a valid report. I urge your team to remove them from this report because they are really derogatory and it affects my scores badly. I can accept if they are true but by the looks of it it is surely not. I do not own or know these accounts. I demand an investigation and removal of these collections accounts that does not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due and Date of Last Payment are missing in this report. I demand this will be deleted.
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  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXX XXXX USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 atendates the report by more than 7 years 15 USC 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Names and addresses and also work places and phone numbers show up on my credit report that do not belong to me. Please removed these list of names, addresses, phone numbers, and employment from my credit report. 

XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

While trying to apply for loan I realized an account was on my credit report that was delinquent. I was only an authorized user of this now closed ( charged off ) account. I do know the owner of the closed account, but this person was no part of my loan application, and they did not have permission to check that credit report. The account information should not have appeared on my report at all. Because this appeared on my account, I believe I was denied a loan that I should have had no problem getting. The only credit report they had permission to use was mine. All three credit bureaus used the information.
Product: Credit reporting or other personal consumer reports

A serious issue regarding the exposure of my personal information in the Equifax data breach. My sensitive data, including bank accounts, credit card information, personal passwords, and potentially more, has been compromised. I have disputed this information with the credit bureaus ; however, there are still inaccuracies on my credit report due to the negligence surrounding this breach.
Product: Money transfer, virtual currency, or money service

This is the classic XXXX fraud that is happening everywhere. 
On Sunday afternoon, XX/XX/XXXX, I received a text using the Wells Fargo logo, stating that {$3500.00} dollars was authorized to be sent and asked if I recognized it. I texted no. After a few minutes, I received a phone call from the exact Wells Fargo number that is on the back of my Wells Fargo debit card. The person stated that my XXXX had been hacked and that I needed to send money to myself to stop the process. I followed his instructions and sent XXXX dollars to my XXXX XXXX XXXX XXXX email address ( XXXX ). I received notice in my XXXX email that I had received money. Then the person asked for other info, and I suspected fraud, so I hung up. I immediately called Wells Fargo and detailed the problem. They said they would investigate and that someone would call me on Monday. Nobody called ; after XXXX weeks, I called Wells Fargo and complained, and again, they promised me somebody would call ; nobody called. But I received an email, so I sent an email to the customer service rep, but no response. A few days later, I received notice that the case was close, for I had authorized the payment, so Wells Fargo could do nothing. 

I then notified Wells Fargo by telephone that they were violating a Federal Order, listed at https : //www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/ I have still heard nothing. I lost XXXX dollars using the XXXX app that is part of the Wells Fargo phone app. I did not authorize these funds, and Wells Fargo is violating the Federal orders by not responding and not reimbursing me the money.
Product: Mortgage

Our loan was purchased by Greentree Financial then Ditech bought them. Ditech issued a check XXXX/XXXX/15 in the amount of {$11000.00} for our property taxes. I called XXXX/XXXX/15 to ask about the check as our tax amount was {$6500.00}. When I spoke to the property tax department I was told that my escrow was now short because of the tax check. I asked that they cancel the check and reissue a new check in the correct amount. I was then told the check amount was correct and that I was delinquent in my taxes. Which is not the truth, considering I just purchased my home in XXXX and they just bought the loan. After an hour on the phone they agreed to do just as I asked. The following Monday XXXX/XXXX/15 I called because the check never came. After another hour on the phone I was told the check would be cancelled and the correct XXXX issued. I was assured that they would take care of it and call me XXXX/XXXX/15 with the tracking number to overnight the check to the tax authorities. On XXXX/XXXX/15 I called and was told the check was sent and that they will be correcting the escrow account because. XXXX/XXXX/15 I called the check still has not been sent. I have been dealing with a Supervisor and then asked that a manager call me back. They assured me the check would be sent XXXX/XXXX/15. As of this morning XXXX/XXXX/15, the check has not been sent. Most people do not have the money to pay another {$6500.00} to get their taxes paid. This is a financial burden on my family and it is due to Ditech 's incompetency.
Product: Mortgage

I filed XXXX  approximately XXXX years ago. The Loan company wasn't included because they were current, as of to date I haven't missed payment. I was told that I need to hire an attorney to reaffirm the account, is that true?
Product: Debt collection

In XX/XX/XXXX, my I received a bill from XXXX XXXX XXXX XXXX XXXX in the amount of {$320.00}. I contacted XXXX and made payment for {$190.00} on XX/XX/XXXX per proof of payment on from my bank statement. I asked for a discount on the bill and XXXX told me that if I paid them right away that they could offer a discount of {$120.00} so I paid them that day and assumed that the account was closed. However, this was just the beginning. In XX/XX/XXXX I client found a home I wished to purchase and my mortgage broker called stating that Radius ( collecting on XXXX {$120.00} ) had inserted a negative item on my credit report and that I would be negatively impacted. It appears that the amount that Radius is attempting to collect and is reporting on is in the amount of the difference for {$130.00}. I now can not buy a home because of this. I'd like both creditors to contact my authorized Represenative to discuss resolving this XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX T : ( XXXX ) XXXX - XXXX F : ( XXXX ) XXXX - XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
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 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. 



In accordance with the Fair Credit Reporting act 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. 



In accordance with the Fair Credit Reporting act 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: Credit reporting, credit repair services, or other personal consumer reports

After wrongly being denied credit on  XXXX   XXXX ,   XXXX  , I requested a copy of my credit report from Experian. Rec 'd 1st report on  XXXX / XXXX /  XXXX   ( #  XXXX  -their  number ) which was full of incorrect info. Spoke to representative. Followed up with a ( return receipt requested {$5.00} ) mailing which included copy of my passport, homeowners insurance declaration and my request to remove/correct personal info. Rec 'd  2nd  report dated  XXXX / XXXX /  XXXX   ( #  XXXX   XXXX  incorrect phone number was removed BUT another incorrect  Residential  phone # with a New Jersey area code was added. Sent a complaint to CFPB, as there was no phone number included this time to reach a representative. CFPB notified me that complaint is closed as Experian responded. They responded but did nothing else, obviously, as today I received a  3rd  report dated  XXXX   XXXX   XXXX  #  XXXX   XXXX  which still contains that New Jersey number. When I wrote to them in  XXXX  I gave them my only  2 Phone # s, along with my passport and Insurance declaration . When I attempted to dispute this through their dispute website ( www.experian.com/disputes ) it would not accept it, telling me report # was required ( I copied it directly from this report ) nor when I entered my own personal information. Please note this is my 2nd complaint about the same thing re : the same company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND EQUIFAX ARE IN VIOLATION FCRA SECTION 623 ( a ) ( 3 ) OR FCRA SECTION 807 ( 8 ). I DISPUTED XXXX BANK ON XX/XX/2022 THE DISPUTE END XX/XX/2022. THE COMMENT SECTION OF THE ACCOUNT IS BLANK. ATTACHEMENTS SHOWS THE DISPUTE ALSO ATTACHMENTS SHOWS THE ACCOUNT ON MY UPDATED REPORT DATED : XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. Furthermore, under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 

Finally, under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX no person shall 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. Additionally, according to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a person shall not furnish information if XXXX XXXX XXXX the person has been notified by the consumer that specific information is inaccurate, and XXXX XXXX XXXX the information is, in fact, inaccurate.
Product: Checking or savings account

Citizens Bank locked me out of my account and refused to make immediate availability of funds under the REG CC expedited funds availability act upon my deposit of a check in the amount of {$10000.00} into my small business checking account. They placed an extended maximum hold and froze my account, locked me out of online and mobile Bank app, refused to give me any information, reason or any information on my account or access to my funds. 

This despite the issueing draw bank verification of check and funds
Product: Checking or savings account

there were over XXXX XXXX dollars worth of fraud charged that were done on my account this bank has not done anything and should have done the right thing this bank is no good i filed the dispute they denied it for charged i didnt authorized and they allowed and by law they are in violation
Product: Student loan

A month ago I was made aware that I had XXXX outstanding late payments from a student loan. This loan had outdated information and I did not receive any of the late notices. I had to recover my password for the email account they had on file in order to reopen my online account with them. This loan also did not appear in any of my credit reports I routinely access to for some reason. I paid off the loan as soon as I was made aware of it. All the other student loans have been able to contact me and I have received timely information about them. I even opened a repayment plan for all my student loans and this particular loan was missing from that list. This company, Heartland ECSI, did not. After I paid the loan in full, including all late fees, I requested the company to remove the late payments from my credit report since I did not have access to any of the notices about the payments. The company did not accept my request, in fact, they did not even consider it and they denied my right to speak to another person that could have the authority to help me with this. The customer service representative refused to transfer me to speak with somebody else and also refused to answer my questions clearly. It is my understanding that because I paid the loan in full already, they're refusing any other help with this account as well as my right to dispute the unfair late payment reports.
Product: Consumer Loan

Loan was originally taken out in XX/XX/XXXX through XXXX XXXX for {$8000.00}. XXXX was taken over by Greentree. They hold title to XX/XX/XXXX XXXX XXXX. I have been making payments on this loan for 11 years & the balance is still {$7100.00}. I have missed payments along the way due to unemployment & health issues. 
I believe they are charging me interest on interest, have tried several times to come to an agreement with them & they refuse. Have told them they can come get the car, they say they do n't want it. I feel this loan has been more than paid for. My only recourse at this point is to file bankruptcy as I ca n't continue to make payments on this loan. I 've also considered seeking an attorney to see if there is any legal recourse I can take against the company. I feel Greentree has unscrupulous loan practices. They have made XXXX of dollars off this loan.
Product: Money transfer, virtual currency, or money service

Can not link my PNC Bank account to numerous XXXX platforms such as XXXX and XXXX.
Product: Credit card

My husband and I have had the same ( nRewards VISA ) joint credit card account with NFCU for over 20 yrs ( expiration date XX/XX/XXXX ). XX/XX/XXXX, he received a notice by mail from NFCU 's VP of credit cards ( XXXX XXXX ), saying that he had been selected for an automatic upgrade to a " VISA Signature Go Rewards Card '', and to expect it soon, in the mail. Two days later ( XX/XX/XXXX ), we received the new cards ( also with the expiration date of XX/XX/XXXX ) -- The account number under his name was still the same, as our current VISA. But the card issued in my name held an entirely new account number. 
Is it legal to reissue a new set of cards when we did n't ask/apply for them? The 'upgrade ' seemingly changes us from a joint account, into XXXX separate ones ... and the APR terms are slightly different from our current VISA. We received mailed paperwork applications for this new card in the prior months, but we declined the offers. This seems like fraud to me, even though it 's being issued from within our credit union. This should never have happened.