23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My experiences have left me truly wondering if Scottrade should n't be investigated by the SEC. It 's very strange how one day my funds are scheduled to be settled, but when the day arrives my money is n't there. The local store representative blamed a " computer error '' when I called him and another representative offered me XXXX free trades to offset the inability to access about {$38000.00} for trading. No other explanation was proffered, despite my correspondence and a promise they would review the matter. 

Another suspicious occurrence involves Scottrade restricting my account and possibly limiting access to my cash for more days than the normal 2 to 3 days it takes trades to " settle '' because their store representative claimed their computer accused me of making a " free ride. '' However, I was very careful to sell only shares I had carried for as much as a couple of weeks, and I purposefully waited to sell shares which had n't settled until their reported settlement dates. But, the store clerk would n't accept my explanation and my account was restricted anyway. Remember, this is the same computer that their store clerk blamed for failing to fund my account a couple weeks prior. 

So, I 'm going to reduce my trading activities at Scottrade out of an abundance of caution, and likely take my grievance to the SEC in a formal complaint. I urge others to be careful and look out for activities like I 've described. Do n't forget that often matters dealing with brokerage accounts will require arbitration instead of a day in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Unauthorized Hard Inquiry on my XXXX credit report from this company
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  ), 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: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX who posed as an agent that worked in XXXX XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which were transferred from my wallet -- utilizing theiXXXX XXXX XXXX XXXX services.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint once more as a follow up as let me repeat that the Experian Credit Bureau still has not removed two remaining inquiries from my credit file, and XXXX has yet to address these three fraudulent inquiries, as they haven't removed any inquiries at all. So, I am humbly following up my request once again to the Consumer Financial Protection Bureau ( CFPB ) to ensure that both Experian and XXXX Credit Bureaus promptly remove these lingering fraudulent inquiries from my credit file : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom This May Concern : I am not sure who or where to go so starting with you. This is regarding the NELNET law suit that was taking place. And I can not remember if I was sent a postcard or not to be part of this lawsuit as a victim. So I will tell you my story. Maybe you can help me to get to the right person to talk to not just a website which is what I am getting a road block. I DO have all the statements from NelNet who back in XXXX and someone can see the differences and big money increase on balance. I made student loans ( direct sub ) what started as a low amount around XXXX turned out to become XXXX. This all happened after NelNet hired a collection agency/head hunter who did find me and when this collection agency found me, I restarted to make payments in 2012 however, the collection agency was paid this extrodinary amount of the difference from XXXX to XXXX. Thank God I kept my statements to prove this and I still have it. I knew there was something wrong it did feel like a preditor who just made a " killing amount of money '' for locating me from Nelnet. And this amount ended up in my student loan account as an amount that I owed and still do. Of course, this became lots of interest on top of it or it was added on it for the past years not exactly sure. All I know is, that i was not a XXXX XXXX XXXX and if I was it was one class at night which I paid in cash to get my XXXX prerequisitions while working at day. And then I did go back to school full time in XXXX school in 2012. Can you please assist me to gather all the invoices that I have to prove my claim here?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was reviewing my credit file & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports : inquiries - XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX address needs to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & the following accounts- XXXX XXXX XXXX Balance XXXX : {$870.00} XXXX XXXX Balance Owed : $ XXXXPlease block this information from my credit report, pursuant to section 605B of Fair credit reporting Act and send the required notification to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 
11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 13. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 17. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting this Aliases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which are incorrect my Legal and only name is XXXX XXXX
Product: Student loan

I, XXXX XXXX qualified for a discharge for my loans, however I had made future payments to the company until 2019, and they never refunded me for payments that I already made. The company was still charging me interest everyday despite the fact that they were already paid for the interest and principal for that month. For example if I already paid for the month of XX/XX/XXXX and XX/XX/XXXX which is XXXX dollars a month, I would still owe interest on XX/XX/XXXX and XX/XX/XXXX. When I asked isnt the principal and interest included in the monthly payment they reply yes. I dont understand why I have been paying double interest and captalization. The company Mohela even entered my account under a forbearance and they already have a monthly payment. Im so concerned that they are taking advantage of the individuals that owe student loans please look into my account.By the rate that they are going I would never pay them off and I have since cancelled my discharge until they give me the right amount owed.
Product: Credit reporting or other personal consumer reports

Unde

r 15 U.S. code 1681 ( b ) Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Per this Law I as the consumer XXXX XXXX has not authorized, nor given instructions to furnish such information on the consumer report.

Also, under 15 U.S. code 1681 ( e ) Compliance Procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Per this Law there are procedures that have not been carried out in order to assure maximum possible accuracy.

Also, under 15 U.S. code 1681 ( a ) ( e ) Definitions Rules of Construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Per this Law to investigate a consumer report one has to obtain information through personal interviews with neighbors, friends, associates, or others acquainted with knowledge concerning such information including the original creditor.

1. I have not given permission to furnish no such data. 15 usc 1681 ( b ) 2. This Credit bureau has not followed any verification compliance procedures. 15usc 1681 ( e ) 3. There has been no contact with the original creditor ( court ) about this information.

Also, no online searches on public sights can be used to validate a debt. 15 usc 1681 ( e ) 4. Attached is a letter form the XXXX XXXX  courts stating that they have not given out any such information.
Product: Debt collection

Ive gone through my latest credit report and noticed a number of accounts that seem to have been added without my permission and are incorrect. I would like these accounts blocked and removed right away.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion regarding the presence of inaccurate information on my credit report. Despite the passage of time, I have not received a response. The details of the inaccuracies and the required corrections are outlined below : XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$1200.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$25000.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX : {$2000.00} This account was never late. Please correct/update this inaccurate information on my credit report. 

XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$670.00} This account is not mine. Please remove it from my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX {$1700.00} This account is not mine. Please remove it from my credit report. 

XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXXXXXX XXXX XXXX  : {$430.00} This account is not mine. Please remove it from my credit report. 

XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00} This account is not mine. Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX XXXX XXXX and XXXX of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Product: Mortgage

I obtained a loan modification in XXXX. In XXXX I got divorced. I was told by XXXX XXXX ( who carried my modification at the time ) that my loan was Assumeable. I worked for 6 months to get my debt paid off and my FICO score high as to assume the loan on my own. In XX/XX/XXXX I was ready to assume the loan. XXXX XXXX transferred my loan to Specialized Loan Servicing LLC in XX/XX/XXXX. When I called them in XX/XX/XXXX I was told that SLS does not have the capability to do loan assumptions. I spoke to a manager who told me that they can. I followed there steps of sending in a letter to begin the assumption process. After 30 days and now response I called again. Again was told SLS does not have an assumption process, again I asked for a manager. Manager told me that they do and that received my first letter. Gave me the next step of mailing in my divorce decree to show I received the house through my divorce. 30 days later no response from SLS. Many calls and no return calls later I finally recived a letter in the mail from SLS stating that my request was declined with a bogus reason. SLS must allow me to assume not refinance. Per the Ger St Germaine act which is in my Loan Modificaiton language I am allowed to assume the loan in case of divorce. SLS is giving me the run around and you can not reach anyone by phone. I need to get my ex husbands name removed from this loan. SLS needs to accomodate my request per the law. I would like to file a formal complaint against SLS and request that they contact me immidiately with means for me to begin the assumption process per my contratual language in my loan modification.
Product: Debt collection

This company ERC keep putting collections on my credit report. I have disputed this several times resulting in the items being removed from my credit report only to appear again later making my credit score take a major hit each time. I have sent letters in the past to the 3 credit bureaus and ERC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ha d 3 auto loans with chase and was late one x for 20 days on one xloan but chase  is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  XXXX  major reporting credit institutes but they wont remove it! They claim they went to chase and concluded info is correct yet when i call chase, they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!
Product: Debt collection

I mailed a validation request to PRA on XX/XX/21. It was received by PRA on XX/XX/21, according to mailing records. In that validation request, per Federal Law, I requested : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, and the original creditor if not the same ; ( 3 ) provide verification or copy of any judgment ( if applicable ) ; ( 4 ) proof that you are licensed to collect debts in North Carolina, and, provide the license numbers and Registered Agent ; ( 5 ) an explanation and showing of how you calculated what you say is owed ; ( 6 ) provide me with copies ( complete copies ) of any papers that show I agreed to pay what you say I owe, especially any original contracts ; ( 7 ) provide that the Statute of Limitations has not expired on this account. Today, XX/XX/21, I receive a one-page " summary '' that does not provide close to enough information to even constitute a validation of any " accounts '' in question.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is reporting on XXXX a open account when this is close paid as agreed I am writing to dispute inaccurate information listed on my credit report provided by [ XXXX ]. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated [ XX/XX/2024, I have identified discrepancies that necessitate your immediate attention : 1. [ Describe the inaccurate account, including the creditor 's name, account number, and any other relevant details. ] 2. [ Describe any other inaccuracies you've found on your report. ] Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX  XXXX Date opened XX/XX/2019 Balance : {$0.00} XXXX XXXXXXXX Date opened XX/XX/2019 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX