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

XX/XX/XXXX nonstop administration insurance services notified me of a data breach and offered free credit monitoring. I placed a credit freeze on XXXX. I was not aware that I would need to place a credit freeze with XXXX and Trans Union. On XX/XX/XXXX XXXX XXXX XXXX XXXX Illinois XXXX which is a debt collector sent me a notice of a debt owed to the state of Maryland XXXX. I have called the state of Maryland XXXX numerous times and have been unable to get information concerning this debt. I am disputing the debt with the state of Maryland because I have never taken a class there this is not my debt and I have no knowledge of the charge. On XX/XX/XXXX I sent a formal dispute back to XXXX XXXX XXXX debt collectors explaining to them that this was not my debt. I spoke with the US Department of Education on XX/XX/XXXX and they re-searched and could not find anything concerning a debt for me with a national student loan information system and no account in my name nationally. I not received any information back from them as of todays date XX/XX/XXXX. I completed a dispute with CFB on XX/XX/XXXX and received information that this was a department of Education issue. I spoke with a representative with CFPB on XX/XX/XXXX and explained the situation and was told that I needed to dispute all of this again and make a dispute separate to XXXX XXXX to Trans Union and one concerning the collection agency of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to only report accurate information on my credit report as 15 USC 1681 ( b ) states that a consumer reporting agency should only furnish a consumer report according to the written instruction of the consumer. 

They are in violation currently for reporting inaccurate information which makes it harder for me to be verified by companies for employment, extension of credit, etc. ( 15 usc 1681 ( a ) ( 1 ) ) This is causing much stress and hardship on my life. I need my information reported accurately, which is their grave responsibility that they assumed. I have 1 address and 1 name that should be reporting on my credit report. The fact that they are allowing unverified information to reflect on my account, shows that they are lacking competence to fulfill such an important job.

Do not respond that you can't verify me. I have added my id and given my ssn and date of birth. You also have other complaints from me with my information, so you know who I am.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX for XX/XX/year> XXXX Credit Report Pursuant to the Fair Credit Reporting Act 15 USC 1681 section XXXX 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 is consumer reporting agencies and I am the XXXX with the right to make sure my private information is not shared. This is supported by 15 USC 6801 which states " It is the policy of the XXXX 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. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section XXXX a section XXXX 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agency 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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. '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never informed me of my right to exercise my nondisclosure option. Furthermore, 15USC 1681C ( a ) ( XXXX ) 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 ) ( XXXX ) 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 XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX is not maintaining reasonable procedures. Additionally, XXXX CFR XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I went to the XXXX dealership and test drove a couple of cars. I'm in deep thought of getting a new vehicle. I went home and checked my credit report just to make sure my score is up to par. While doing so I noticed a couple of items on my credit report that are not mine. This is unacceptable. I need these items deleted from my report. I'm working on this all on my own. XXXX XXXX, US DEPT ED, DEPTEDXXXX, XXXX XXXX XXXX, XXXX, Inquiries : XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX.
Product: Mortgage

In XX/XX/2020 I applied for a refi with XXXX XXXX NMLS XXXX with Amerisave. While working with him I was told to put a deposit down for an application fee that would cover the appraisal. I briefly reviewed a 37 page document that was somewhat overwhelming. Since going through appraisal process I have decided to go with another lender that is requesting a transfer of the appraisal that I paid for. Amerisave deceptively places a document in their paperwork stating that the {$500.00} fee is non refundable when I understood it to be the appraisal fee. Now this is placing a financial hardship on my family to cover the cost of another appraisal of {$500.00}. All I am asking is that Amerisave release the appraisal that I paid for to my new lender.
Product: Bank account or service

My XXXX opened up a Scottrade account to do trading and a number of our individual members also had a Scottrade account. Unfortunately, bad service and rude support from Scottrade has convinced us to close our account and transfer our money elsewhere. Let me explain. 

Scottrade Bank and Scottrade XXXX are very closely connected, once a brokerage account is opened, Scottrade pretty much forces you to open a Scottrade Bank account to withdrawal any money. This process is time consuming and in the face of rude customer support and delays, one is immediately faced with a money withdrawing delay that is easily double of what competitors can do. The delays and lack of understanding by Scottrade management and support caused significant problems and stress, when I voiced my concerns Scottrade acted as though they " did n't care '' and were too busy with " high net worth clients '' and could close my account not have over XXXX in assets. This frustrated me and my investment friends even more. 

Last year we were switched secretaries and one of them noticed that the Scottrade account agreements we had on file were different that the agreements Scottrade was posting online. We later discovered that Scottrade was making enormous changes to its terms of service and account agreements without any notification and when we asked them for the original contract they were unwilling to provide it, and this unfortunately, led to our next problem, Scottrade 's failure to deal with disputes. 

For our records, we required the original account agreement and thus requested the document on numerous occasions but Scottrade failed to provide it, their final response was basically saying, " your account has been closed ... and we consider this matter closed ... if your dispute continues you may file arbitration ''. The thing is, Scottrade will not provide instructions or evidence that an arbitration agreement exists. Putting us in an extremely difficult spot, we have and we reiterate our requests that Scottrade provide us with the original arbitration agreement. 

Finally, Scottrade was hacked, according to a press release in XXXX, and said it sent out emails to those whose accounts were effected, we got a few of the emails and the phone number Scottrade instructed us to call would not connect, once again, filing a complaint against Scottrade led to no response. 

I would warn others that if the behavior of Scottrade to not respond to serious customer concerns it is likely better to move your money elsewhere, our club, and XXXX of its individuals have already done so and are better off for it.
Product: Credit reporting or other personal consumer reports

Hello, I am requesting an investigation into these accounts due to a possiblemisunderstanding about their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I was not notified of their return and have not received any communication about this matter by mail.
Product: Mortgage

My loan originated on XX/XX/XXXX, with a principal balance of {$310000.00}. The original lender was XXXX XXXX XXXX XXXX XXXX. My loan was later bought by XXXX XXXX. There is no evidence XXXX assigned the note and deed of trust to XXXX XXXX XXXX, XXXX, as Trustee for XXXX Master Participation Trust ( XXXX XXXX XXXX ) on XX/XX/XXXX. There is no pooling and servicing agreement. Caliber Home Loans, Inc. ( Caliber ) began servicing your loan on behalf of XXXX XXXX XXXX on XX/XX/XXXX. The Note, as modified by the XX/XX/XXXX loan modification agreement, and Deed of Trust are no longer in full effect since the original note was canceled. They can't have two notes open. There is automatic stay in place when my wife XXXX XXXX XXXX, filed for Chapter XXXX bankruptcy on XX/XX/XXXX. There was a sale scheduled for XX/XX/XXXX, but as Mrs. XXXX filed for bankruptcy protection on XX/XX/XXXX, foreclosure proceedings are currently on hold. The 36-month payment history is all wrong as my pre-petition and post-petition payments have not been credited correctly to my loan.
Product: Credit reporting or other personal consumer reports

I have the experience credit reporting service I've had it for a long time I prefer the service I really like it but unfortunately I had to change phone numbers because my identity has been stolen I haven't been able to report that to him because I can not log in, because my phone number is required to login to get a text message when you call the ivr system it will not let you proceed to speak to somebody unless you get a text message so it is a stupid Loop will they won't let you speak to somebody they won't let you reset it online so I'm unable to access my information and Report the fraud and the stolen identity that I've needed to for a while now. They don't give you an email to contact they don't give you any way to resolve this issue. When I do click that I don't have access to the phone number any longer which is only provided through the app it says answer the security question what's your security question answer with no security question to answer. And I know I have them set up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the (XXXX, XXXX ,Transunion). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  inquiry XX/XX/2024 I am reporting a fraudulent inquiry fond in my Trans Union credit repoet...
Product: Debt collection

XX/XX//2017 {$510.00} the company was trying to collect and doenspt have a license to collect
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : -XXXX XXXX # XXXX {$710.00} -XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} -XXXX XXXX # XXXX -XXXX XXXX # XXXX {$800.00} -XXXX # XXXX {$0.00} -XXXX XXXX XXXX # XXXX
Product: Mortgage

I opened a business line of credit with Santander Bank for $ XXXX in XX/XX/2019. During the pandemic, they decided they wanted the loan paid in full. I never received this notification, but even if I did, I would not have been able to come up with all that money. My business was severely affected during the pandemic. I even contacted them during, to find out what programs they had available just in case I couldnt make payments. They automatically withdrew monthly payments & there was over $ XXXX from which they would take. I got a call from XXXX XXXX who was working out an extension, refinancing of the loan. Next thing I know, they had me in court & refused to accept any agreement for a repayment plan. They have been aggressive & unreasonable during the entire ordeal. They have now secured a judgment against my company which will permanently close my business. At no time did I say Im not repaying the loan. I just wanted a repayment plan & once I can get another loan I would pay the full. They asked me for financial information to determine a payment plan, but was never interested in that. They were bent on destroying my company. My company is the sole provider for my family & we will be severely impacted
Product: Debt collection

Consumer Portfolio Services, has failed to provide me with appropriate information about this account. They have failed to provide me with the original instrument of in-debtness. They have also, failed to validate this debt. They have also violated 15USC1666 ( B ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Payday loan

A company called Concord Resolution ( XXXX ) keeps calling me to collect on a payday loan from 2011 that was paid in full. They are very rude and disrespectful, and have my personal information.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting incorrect information on the account listed as XXXX there are several inconsistencies which means this account has not been properly validated because its impossible to report XXXX different ways. 

High Balance : {$1500.00} {$1500.00} {$1000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XXXX/XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Creditor Type : Home Electronics Sales and Service Miscellaneous Finance Sales Financing Creditor Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Secured Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have made a transfer of XXXX : around {$110.00}, however only {$67.00} was received and {$48.00} was taken by Coinbase as fees. The transaction took over 3 hours to be effected. I was not warned that such a fee would be charged. Generally a common fee would be {$1.00} to {$2.00} ; not {$48.00}. 

Given that this was from a XXXX distribution, it is common knowledge that the Administrators pay Coinbase to Administer XXXX XXXX. 

From experience and reports on fee discrepancies, it is noted that Coinbase does not respond ; hence this complaint to you directly. 

This is required to be investigated.
Product: Student loan

I took out private loans in XXXX with XXXX XXXX and Navient. These were preadatory rates between 13-18+ % interest. My minimum payments were XXXX a month once i graudated in XXXX ( recession ). I couldn't make minimum payments, so they put me in forebearnace and my loan ballooned. I only took out XXXX in loans and ended up working XXXX jobs for 10 years and finally had to buy and rehab a home to pay this off!!! AWFUL TERRIBLE MALICOUS company stay away!!!!! This ruined my financial life! Something needs to be done regarding interest rate caps and this company needs to be SHUT DOWN! THanks for ruining americas future generation by your greed! AWFUL!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received a new credit inquiry on all my credit reports. About a new application for XXXX XXXX bank. I didn't make these requests and my information is compromised. 

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

On XX/XX/2022, I filed an Identity theft report against LEXISNEXIS for selling, furnishing and reporting information they have no consent or permission from me to furnish or have. It is my right to privacy to keep my non-public personal information private and hold any person liable for stealing my information, which LEXISNEXIS has done. On XX/XX/2022, I sent LEXISNEXIS an Affidavit of Truth for committing Identity theft. On XX/XX/2022, LexisNexis sent me a reinvestigation letter showing all deleted alleged personal information they had on file of me including a XXXX  XXXX XXXX. As of today, LexisNexis continues to furnish the XXXX  onto my credit report with XXXX, XXXX and XXXX. LexisNexis has no permissible purpose, nor do they have my consent to furnish any alleged information about me. I have never done business with LexisNexis and neither do I have a contract with this company that allows them to furnish information about me. They are in several violations of Federal Laws that prevents them from defaming my character, causing harm to me and preventing me from being able to obtain credit.
Product: Credit reporting or other personal consumer reports

I found a dispute on XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX, XXXX  account number XXXX, and XXXX  XXXX account number XXXX due to the total debt is not owed according to the fair credit reporting act FCRA section 605B it is illegal to report information on my credit report without my permission. Letting them know to please remove this item from my credit report now. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company experience. They alleged the company of accepting unreliable information failure to notify consumer dispute results. This aligns well with my situation, Experian has not attempted to remove nor correct any information Im requesting this derogatory remark be removed or corrected immediately as it affecting my chances of getting a car or a loan to fix my home. Experian violates my weight as a consumer as well as federal law.
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 U.S.C 1681. 

The following accounts have violated my rights. 

Account name : XXXX XXXX XXXX 
Account numberXXXX Open balance : {$450.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX Account name : XXXX XXXX XXXX Account numberXXXX Open balance : {$750.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX XXXX  XXXXXXXX Phone XXXX XXXX Account name : XXXX XXXX Account numberXXXX Open balance : {$330.00} Date opened : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Phone : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an 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 items of information, other than the 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 an accurate.