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

I stated to the representative... 
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. '' XXXX and 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 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 XXXX, 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the 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. XXXX 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 reporting, credit repair services, or other personal consumer reports

I need a HUMAN BEING to read my complaint I do not consent to E-OSCAR. 
In accordance with the fair credit reporting act EQUIFAX has violated my rights. They stated that XXXX  XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. 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 They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all XXXX credit bureaus as well as XXXX XXXX XXXX  times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, and it is also reporting a credit limit ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the XXXX year history it is not uniform across the board which it should be... the reporting on this account is totally inaccurate, not compliant and not reporting factually
Product: Debt collection

To whom it may concern : I am using my rights as outlined by the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe is inaccurate. The data included in my credit report must be documented and validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldnt report any claims that you know or should know are not in compliance with regulations or the law.If any of the allegations included on my credit report are not true, I request that they be immediately deleted. Please provide accurate and verified information for eac
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, has reported an incorrect account that is a result of identity theft on my credit report. XXXX to place the unauthorized account on my credit report as open in my legal name. XXXX and EXPERIAN claim they did an investigation and received a signed contract from with my signature on it. This is not true and false information on my credit report. I have attached a police report from the original accounts opened without my consent. Experian refused to file my dispute and advised I contact CFPB. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, did not consent to, authorize nor benefit from any of the following inquiries indicated on the attached Theft Report..
Product: Debt collection

Bank of America -- -- -- -- - XXXX XXXX XXXX ext XXXX called 20-25 times I called her back wrong account as we..! I have been paying though. because of credit. Received papers in mail From Bank of America, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, I found two Financial places before that takes up to a MONTH! but they said it was settled -- and sent me a new card before that! never used it, nor would it. Going on since XX/XX/XXXX. This is very very stressful. I have contacted All credit bureau 's everywhere.. Customer since XXXX! Also have another from XXXX XXXX! returned merchandise to XXXX, And been paying. XXXX blames XXXX- and vice versa, I made payments I did not need too. The three bureaus have me owing them -- -- -- -- -- {$140.00}. Called and they said, XXXX -- -- -- -- - okay so what?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Account Name : XXXX XXXX XXXX Account Number : 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. 
Futhermore, I do not have a contract with XXXX XXXX XXXX They did not provide me with the original contract as requested. And have overtly violated the Fair Credit Reporting Act 603 Definitions ; rules of construction, adverse action as described in section 603 ( k ) ( 1 ) ( A ) 604 Permissible purposes of consumer reports.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$7900.00} ; XXXX  XXXX Balance : {$4700.00} ; XXXX XX/XX/2023.
Product: Student loan

The save program isnt being applied correctly. One minute Im told that I have a payment less than {$200.00} and then I get a message that its over {$500.00}. 

My PSLF forms that are being submitted are not counting over a year of payments that would be approved according to guidelines.
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 and list of Inquiries. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Bank account or service

I am writing to express my concern about Scottrade Bank when my online account was hacked while I was XXXX. At this time I had both a Scottrade Brokerage and Scottrade Bank account. I reported the fraud to Scottrade and was instructed to provide a police report as well as other materials which I did. I respectfully requested Scottrade cooperate with the law enforcement agency but they refused and stated I must go through an internal appeal at Scottrade. When I inquired on how to submit a formal complaint for internal review, Scottrade stated that " Corporate HQ '' would get back to me. Well " Corporate HQ '' did not get back to me and after XXXX phones calls, numerous certified letters, and complaints with third parties, Scottrade vaguely informed me that I would have to submit an appeal in writing, which I promptly did. 

What Scottrade Bank failed to inform me about was that there was a specific Scottrade Bank form for disputing fraudulent transfers and or hacked accounts available here XXXXI am unsure why Scottrade did not follow their own procedures for dealing with hacked accounts but I am sure that Scottrade 's failure to follow appropriate procedures appear to be an abuse of their position in an effort to avoid liability for the hacked accounts and failed database protections. 

I am writing to the CFPB because Scottrade refuses to acknowledge or respond to any of my complaints and I am kindly requesting Scottrade provide me an opportunity for a XXXX review of the situation. I have provided Scottrade with a completed account activity dispute form and will be expecting a response. The dispute form is available here, XXXX and Scottrade Bank has written policies about how to process the form. 

If Scottrade refuses to provide the requested documents and take appropriate action, I am specifically asking Scottrade provide me with a copy of the original arbitration agreement ( if it exists ), a request that Scottrade has refused to respond to on over XXXX different occasions.
Product: Debt collection

Collector has contacted me at work when I have told them to call at home. Ask my employers receptionist where to send garnishment paperwork. Also faxed employer a form for my personal information.
Product: Credit card

I disputed a charge of {$9.00} from my cellular carrier who frauded my credit card 2 times before I changed services to another provider once I was sure they committed the fraud using XXXX XXXX charges which I never used. They also interfered with my wireless service which Bank of America was fully aware of since they requested, I make out a police report as I did and uploaded the copy to them. 

Now I am set up with auto pay out of my checking account so I'm never late on a payment. This is the second time in XXXX that they are harassing myself for filing CFPG complaints. My business credit card ending in XXXX has a late fee of : XX/XX/2023 Hide additional information for activity type Fee {$39.00} LATE PAYMENT FEELATE PAYMENT FEE activity type Fee {$39.00} {$580.00} Transaction XXXXTransaction type : Fee These are harassment issues and Deceptive Practices of Bank Of America using my business credit card .
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I applied for a loan online, the only way to proceed with the loan is to talk to a representative. The interest rate was never disclosed to me over the phone only the amount that will be deducted from my bank account. My loan amount was for {$680.00}, I checked the status of my loan thinking I should have paid this loan off already, only to find out I still have a balance of {$540.00}. I finally saw the details of my loan and was shocked to see an interest rate of 664.58 %. I have paid this company {$2600.00} for a {$680.00} loan. From my experience, payday loans with small amounts never exceed 6 months. I contacted the Arizona attorney general and our state laws on payday loans and found out AZDFI no longer licenses payday lenders as of XX/XX/2010 and the percentage rate above 36 % is illegal as of XX/XX/2010 and Arizona prohibits payday loans. A consumer complaint has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister stole my identity to open an internet account 20 years ago. Her name was connected to my social security number on my Equifax credit report. I filed a dispute to have her name removed, and they removed the wrong name from my account. They removed my name and kept my sister 's name on my credit account. They sent me a paper addressed using my sister 's name saying my actual name had been removed from the account. I tried to call them about this, but the agent said it has been changed to the correct name. My credit still says the wrong name.
Product: Checking or savings account

I'm trying to open an account with XXXX XXXX XXXX XXXX. My consumer report shows that I opened an account with Key bank, and the contributions reason is Identity Fraud. I tried to open an account with a key bank but never went back to confirm my information. Technically, the account was never open. Now I'm trying to get that cleared up to open my XXXX XXXX XXXX XXXX account.
Product: Checking or savings account

I took XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, New York to XXXX XXXX, XXXX on XX/XX/2023, and I returned to New York by taking XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. On XX/XX/2023, I went to Bank of America branch located at XXXX XXXX, XXXX XXXX  NY XXXX, and tried to use ATM in the branch but my debit card did work. Therefore, I reached a representative in the branch to inquire about my BOA account. He told me that theres a new BOA debit card, so the old one can no longer be used. At this moment, I felt something wrong because my old BOA debit card did not expire, and I did not receive a new debit card. Then I asked the representative to inquire about my account balance, he told me that I owed {$44.00} something. I told him that I had balance more than {$20000.00} before I went to XXXX, and how come I owed you {$44.00}. 
Therefore, I further reached out to a client manager in the branch in person to check my account details. The client manager, she told me that therere six unusual transactions under my old BOA debit card in total amount of {$18000.00} in XXXX. She also told me that on XX/XX/2023, someone applied for a new BOA debit card to replace my old one at BOA XXXX branch. And therere two transactions under the new debit card in the amount of {$5900.00}. Moreover, she also informed me that my address had been changed to another location. The client manager told me that I will receive updates on my claim, and I may receive my money back on XX/XX/2023. 
On XX/XX/2023, I went to Bank of America branch located at XXXX XXXXXXXX XXXX XXXX, NY XXXX for an update. The client manager told me the claims were not approved and closed, she helped me open the claims again. 

I neither initiated any transactions nor authorized anyone else to access my BOA account during my vacations. 
I also neither applied for a new BOA debit card to replace the old debit card, nor authorized anyone else to do it for me. 

As of XX/XX/2023, I have not yet received any update related to my re-opened claims. 

In addition, I do not understand how a identity theft can transfer all my money in my BOA account and change my address within 2 days with no restriction and any suspection at BOA end. And my first claims related to amounts of {$18000.00} and amounts of {$5900.00} were denied by BOA. I dont understand how BOA internal investigation justified these unauthorized and suspicious acvitivites and denied my claims.
Product: Mortgage

In XXXX 2014 I was approached by USAA to refi my home. They told me I would have XXXX online access to my account. In XXXX 2014 I closed on the refi and paid all the closing cost. At that time I had the access that was part of the agreement. In XXXX 2014 I applied for auto insurance with USAA. During the phone interview I admitted to committing a felony over 10 years ago. I was denied insurance, that was fine. I have the mortgage payment automatically taken out of my checking and I pay XXXX toward principal. Well last month they took more than I authorized so I went on line to check why to find out I was denied access to my mortgage account. I called USAA and was told if I did not like it that I could go find another mortgage company and refi again. They bounced me around for over 4 hours and told me its my problem. Never once did they put someone on the phone with a straight answer. I can not believe they are treating me differ than all there other clients with mortgages. They keep telling me I can use the phone app and I have had XXXX techs on and still no satisfaction. I feel I am being discriminated against and I am not getting the services that they are supposed to provide to the account. I feel I am being penalized by USAA if I want to pay on my principal at any time and I can not do my online business with them as stated in them obtaining my mortgage. I served my country proudly and made a mistake over 10 years ago that I paid for. If at the time of me refinancing I had options with other providers and XXXX online access is part of all there promotions.