23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

My complaint is actually about two companies. I enrolled in XXXX to help reduce my credit card debt at a lower interest. Out of nowhere, they went out of business and transferred our loans to a company called SST Inc. My complaint with XXXX  is that meant I had TWO monthly payments unexpectedly, and in transferring to this company, my interest rate essentially doubled, which is a real problem given that I enrolled in XXXX specifically to get a lower interest rate. I called and emailed XXXX  with questions and they just refused to answer because they said they were closing. 

The larger problem, however, is actually with SST ( System and Services Technologies ). Below is a list of all of the issues Ive had with them, which includes unexpected, unjust fees : 1. I never agreed to any of their loan terms. They simply assigned me a rate and day and expected me to pay it. 
2. The emails and website look fake, like phishing attempts. I actually dont trust it, not least of all because their website doesnt have sufficient security in place. I am REALLY worried about sharing my banking info with a company that doesnt look real and that could be hacked by almost anyone. It seems to me that consumers should be entitled to just a basic level of trust in a company asking this much of them. 
3. A ton of reviews of the company says they withdraw money from your account, unauthorized, unexpectedly. This is yet another reason I dont trust them. 
4. I finally received a statement and the payment options are archaic and unfair. entering your banking information for autopay is the ONLY way that doesnt have a fee attached to the payment. ( But, based on the reviews I mention above, you can see why Im hesitant to do this. ) making one time payments online comes with a fee of up to XXXX, and making payments on the phone incurs a fee of up to {$10.00}. This is crazy. I should not have to pay an additional fee to an untrustworthy company if I am making payments on time. 
The worst part about this is that I never agreed to work with SST or willingly entered into a loan with them. I literally never would have agreed to this. It feels wrong to mislead and take advantage of consumers in this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize you to furnish XXXX University on my consumer report. Please present me with permissible proof that I gave experian the right to furnish anything negative on my consumer report.
Product: Credit card

I was told by each of these financial institutions that by law I was NOT ALLOWED to opt out of them reporting my non public personal information to a non affiliated party. In all of their privacy statements it clearly states i have the right to opt out which is also my right as a federally protected consumer, per the Privacy Act of 1974 ( 5 U.S. Code 552a ) ( b ). Since prior correspondence has gone ignored this complaint will serve as notice that reads as follow. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or non verbal indefinitely as is my federally protected right among other rights granted to me. 15 USC 6802 Obligations with respect to disclosures of personal information ; 17 CFR 162.6 - Reasonable opportunity to opt out ; 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties.16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time ; 12 CFR 1016.1 - Purpose and scope ( a ) ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent in disputes for these inaccurate unverified accounts. They have several inaccuracies in the date of last activity and status dates between all XXXX bureaus for all of these accounts. These accounts are inaccurate and incomplete and are a violation of the FCRA. They need to be deleted immediately. DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE PAYMENT HISTORY FOR THESE ACCOUNTS ARE INACURATE AND UNVERIFIED. THEY ARE SHOWING LATE PAYMENTS IN THE PAYMENT HISTORY OF THESE ACCOUNTS. ( I WAS NEVER LATE ) THESE ACCOUNTS NEED TO BE UPDATED TO PAID ONTIME/NEVER LATE FOR EVERY MONTH IN THE ENTIRE PAYMENT HISTORY FOR EACH ONE. UPDATE THESE ACCOUNTS TO PAID AS AGREED/NEVER LATE IN THE PAYMENT HISTORY FOR EACH MONTH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To the CFPB, XXXX XXXX XXXX is filing a complaint against the credit agencies for discrepancies within my credit report of improper documentations.. 
According to Per 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and ACCURATE credit reporting. INACCURATE CREDIT REPORTS directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

The discrepancies starts with the credit agencies themselves : The Balances are different The Closed accounts are different The Inquiries ( XXXX ) are different The discrepancies with XXXX  XXXX are : The Original Balance are different The Last payment dates are different The date that it was opened are different The discrepancies with XXXX  XXXX XXXX  are : The Original Balance is different The Last payment dates are different The dates that the credit was opened are different The status of the account on certain dates are different The discrepancy with XXXX XXXX XXXX  are : The open dates are different I tried reaching out to TransUnion XXXX XXXX XXXX & XXXX to clarify these issues but the representatives just kept saying they can only see their reports of my credit with them. These credit agencies SUPPOSE to have the same reports through & through no differences since they are collecting the information from the same exact source which is the companies that are providing the information, if the wavers at any moment how is the information ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent 2 rounds of my FTC report and the accounts still there and have not been fully validated.
Product: Credit card

I used my credit card for my XXXX XXXX removal. I was wrongly charged twice and sent my findings to my credit card company and I lost both of my disputes. I dont have a problem paying, but I want to pay the correct amount.
Product: Credit reporting or other personal consumer reports

Capital one has made Inaccurate Information on my report, Per FCRA all information must me correctly as this is fraud and someone opened an account. I have tried to assessed this issued and nothing has been done. My lawyer will reach out and file the necessary suits for violations.
Product: Credit reporting or other personal consumer reports

I have noticed a recent inquiries on my report I ordered a XXXX credit report and realize someone has been trying to apply for credit card under my identity which I did not authorized. Identify theft report was completed and attached please remove these remarks from my report I did not authorize the following inquiries - XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I had filled a couple of fraud claims and there refusing to refund my money. The first claim was XX/XX/2022 in the amount of XXXX. The second claim was on XX/XX/2022 in the amount of {$760.00}. The third claim was on XX/XX/XXXX in the amount of {$400.00}. And the last one was on XX/XX/2022 in the amount of {$450.00} and they do not want to give me my money back Im so XXXX  off cause I lost my debit card and someone had it and was making withdrawals at an ATM at XXXX XXXX in XXXX, CT. Please help me to try to get my money back. I would really appreciate your help.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Product: Mortgage

I am currently in the process of a VA loan assumption with Truist. I submitted my completed application and the purchase contract on XX/XX/year>. As of today, I have yet to receive any loan disclosures. 

According to TRID guidelines, disclosures are required to be provided within three business days of receiving a completed application. It has now been well beyond that time frame, and I am concerned about the delay and lack of communication.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against HSBC, the intermediary bank involved in a wire transfer from my XXXX XXXX XXXX account to my factory in XXXX XXXX. On XX/XX/XXXX, I initiated a wire transfer of {$35000.00}, and since then, HSBC has inexplicably held the funds without providing any valid reason or conducting necessary verifications. 

This unwarranted delay is causing severe constraints on my business operations and resulting in financial losses for both my company and the factory in XXXX XXXX. The lack of transparency and unethical practices by HSBC are unacceptable, and I request your prompt intervention to resolve this matter. They need to be held accountable and fined whatever money they earned off the interest of my money being in the possession.
Product: Debt collection

The attorney, XXXX XXXX, threaten me with lawsuit and stated that I do not pay my bills when I tried to give my bankruptcy attorney information. He hung up on me and when I called back, He would not give me his last name until I confronted how he was acting and this is not how an attorney is suppose to act nor say the words he was using to me. I stated that I wanted no contact written or oral from the XXXX XXXX XXXX and he said that he can contact me and I stated with the FDCPA, I am giving notice of no contact, he disagrees and again tried to belittle me because of filing chapter XXXX bankruptcy. At the beginning of call,. I was threaten to be sued and when he hung up on me and I called back the case now was in process of a lawsuit. How does that happen within minutes of a conversation? Very unprofessional and consumers should not be a threaten or belittled.
Product: Money transfer, virtual currency, or money service

So I filed a previous complaint under Complain ID XXXX because I thought that the issue was with the receiving entity XXXX XXXX. After doing some additional digging I was able to find a thread on XXXX that describes issues with the MEMO tag on CoinBase Pro transfers disappearing when or after initiating the transfer of funds. I am 100 % positive that I inserted a MEMO tag in the transfer line and that it disappeared when i initiated that transfer. 

I can not get a human to respond from CoinBase and have only received automated Bot responses from the submissions i have sent them. This is a known issue with CoinBase and I consider this a theft of funds since it is a known issue that they have filed to fix. 

On XXXX I initiated a transfer of XXXX of XLM from Coinbase Pro to XXXX  Coinbase Pro shows the transfer as complete and I have yet to receive the funds in my XXXX XXXX account. I have also sent multiple messages to XXXX XXXX to see if they can fix it and they have yet to respond either with anything more than an automated bot response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not remove this illegal account off of my credit report. I have tried disputing sever times and now it doesnt even let me dispute it. I want this illegal account removed from my credit report immediately. 

15 US 6802, 18 USC 899, 15 USC 1605 15 USC 1692 6, HRJ 192 73 C, 18 USC 894 15 USC 1681B ( 2 )
Product: Credit reporting or other personal consumer reports

I am writing to urgently seek your assistance regarding an alarming error on my credit report, which has significantly impacted my financial standing. Despite my consistent efforts to maintain an impeccable payment history, I have encountered a distressing issue with my credit report. 

Upon reviewing my Consumer Reports, I discovered a late payment entry associated with my XXXXXXXX XXXX account ( Account Number : XXXX ). This entry is entirely inaccurate, as I have never missed a payment on this account. The presence of this erroneous late payment is not only damaging to my credit score but is also causing undue stress and jeopardizing my financial stability. 

XXXXonsumer Reporting Agencies have a critical duty to report consumer information with the highest level of accuracy. This incorrect entry undermines the trust I have placed in these agencies to reflect my financial behavior truthfully. I have always been meticulous about paying my bills on time, and this discrepancy is both unwarranted and unjust. 

I request that the CFPB intervene and conduct a thorough investigation into this matter. I urge you to review my payment history with XXXXXXXX XXXXXXXX and provide concrete evidence, such as detailed statements, to substantiate the claim of any late payments. If such proof can not be furnished, I demand that this late payment record be promptly corrected to reflect its true status as on-time. 

The presence of this incorrect information on my credit report is causing significant distress and impeding my ability to secure necessary financial opportunities. I respectfully request your immediate attention to rectify this error and restore the accuracy of my credit report. 

Thank you for your understanding and prompt assistance in this critical matter. I look forward to your swift resolution and confirmation that my credit report has been accurately updated.
Product: Student loan

On XX/XX/23, I completed an application to change my IBR program from the one I had previously been on to the SAVE plan. To date, Nelnet has not processed the application but instead placed me on forebearance where I'm still accruing interest.

The whole point of the SAVE plan is to arrest interest where payments are being made to help prevent further negativ
e amortization... This delay exacerbates the negative amortization problem.

I've submitted a complaint to Federal Student Aid and attempted to contact Nelnet on the phone and through their website. The website is constantly unavailable and malfunctions. Wait times for calls to Nelnet are well over an hour. The only thing resembling a response I get is a notice on the website and maybe an email every 10 days stating they've received my application, but no action has been taken with regard to processing it
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy reporting on credit file should not be reporting, I supressed all public records from being viewed on my credit file. The Credit Bureaus received public records information from XXXX XXXX. I opted out from reporting. This information. Should to be verified once disputed.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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 of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS AZ XXXX CHILD SUPPORT Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has furnished inaccurate information on my consumer credit reports violating my rights under the Fair Credit Reporting Act ( FCRA ) & also illegally reporting false information not given with my consent nor the consent of the company in which it claims it came from and with doing so, has caused great damage to my life. Causing serious financial harm & in the process defaming my name. I have contacted Experian for over a 2 Year plus time period in relation to inaccurate public records information ( cases number, XXXX & XXXX ) being displayed on my Experian credit report. When I contacted them in regards to my dispute of inaccurate information they furnished me XXXX as being the bearer of information given to them. I then preceded to contact XXXX in regards to this information given to me. They replied only with a automated copy of their corporate response not giving me any specific information that was requested within the timely manner given each time on my behalf. I then proceeded to still contact XXXX with potential small claims action against them & they never responded. Sending certified mail every single time to Experian they totally disregarded my inquiry to provide accurate information or information detailing their investigation into the pubic records themselves. Neither was done. The United States XXXX XXXX Bankruptcy court Certified a letter in response to my inquiry of them reporting any information to the credit bureaus & they replied in a certified response claiming they do not report ANY information to credit bureaus or third party companies such as XXXX nor Experian. I still have copies of this response they sent me.Therefore if they did not get the information from the Company in which they claim is reporting it or better yet if they are illegally obtaining and using my consumer information not in good faith I immediately urged the removal. I have provided them with more than enough information in my disputes to get this false information removed and they have not honor anything I have sent them nor requested of them with my rights under the FCRA. I then Contacted XXXX XXXX Directly & after several attempts with them they finally removed this inaccurate information from their data which I also have a copy of as well. So if the credit bureau claims to get their information from XXXX XXXX & XXXX XXXX has furnished a response stating they have no such record in their system as well as the actual XXXX XXXX Bankruptcy Court stating they do not report ANY information to Experian why is this credit bureau XXXXeporting false & inaccurate information under my name and social security number.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX, the date last active is XX/XX/XXXX. On TransUnion it's XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Delete this account from my report immediately : Account XXXX : XXXX XXXX : XXXX Balance : {$8100.00}