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

TD AUTO FINANCE LLC, a financial institution and furnisher of information, along with XXXX, a consumer reporting agency, have willfully failed to comply with federal regulations by misusing my consumer report regarding account number : XXXX. 12 CFR 1016 ( Regulation P ) regulates and protects the privacy of consumer financial information. 12 CFR 1016.16 regulates and protects the Fair Credit Reporting Act 15 U.S. Code 1681 et seq. 12 CFR 1022 ( Regulation V ) Appendix M regulates and specifies obligations of furnishers of information to consumer reporting agencies under the Fair Credit Reporting Act 15 U.S. Code 1681 et seq.

I, the consumer, have been adversely affected by TD AUTO FINANCE LLC and XXXX being willfully noncompliant with the proceeding federal regulations. 

12 CFR 1016.16 regulates 15 U.S. Code 1681 section 602 which 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. '' My privacy is being violated by the misuse of my consumer report. 15 U.S. Code 1681b section 604 states 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. TD AUTO FINANCE LLC and XXXX do not have my consent to furnish said information, and I have never given them written or verbal consent. Any implied consent is revoked.

12 CFR 1022 Appendix M regulates 15 U.S. Code 1681a ( 2 ) ( A ) ( I ) which states " Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IRS Publication 4681, Chapter 1 regarding canceled debts states that a canceled debt is considered ordinary income, which is taxable. This charge off is taxable income and not to be included on a consumer report. 15 U.S. Code 1681s-2 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. TD AUTO FINANCE LLC and XXXX are willfully misusing this information on my consumer report. 

12 CFR 1022 Appendix M regulates 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) which states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. TD AUTO FINANCE LLC and XXXX have been willfully noncompliant by continually misusing my consumer report after I filed a complaint.

12 CFR 1016.7 states, A consumer may exercise the right to opt out at any time. I am opting out of any and all of your reporting services. 

My intent is to sue if said issues are not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to know how a company as big as Experian that has control over the financial situations of people has absolutely no way to talk to a person. How is that allowed by any financial institution? I want you to call Experian and try to get a real person .... please. After an hour you will give up because you simply can't Issue and order of events 1. I want to place a freeze on my account.

2. I go to the site and log in 3. I can't log in because it wants to send a code to an old phone that is no longer active 4. It tells me to use security questions instead.

5. The security question window pops up and then is immediately redirected to a " Oops we are sorry page '' and gives a support number.

6. That support number is an automated system that has no options to solve the problem I need 7. While almost every single company in operation will try to resolve your issue and then ultimately send you to a representative if it can't not Experian. The automated system says, Sorry I can't help you.. press 1 to end this call.

Let 's imagine for a second I am in a dire financial situation and needed to place a freeze or unfreeze on my account... well good luck.

There is no way it should be legal for a financial company to operate in a way that makes it impossible for customers to contact someone to get a resolution. Its borderline criminal in my opinion.
Product: Debt collection

This company is threatening to call my neighbors and relatives and send agents to my home and my work. I have attached an email that I have received from them. They have called my sister whom do I not live with over 20 times and left dozen messages as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

My homeower insurance on XX/XX/XXXX jumped more then 10 % due to my credit score. 
We have no debt other then the credit cards we use, less then {$2000.00} a month. 
Our credit report from Equifax when down 6 point with a increase of {$74.00} total of the three cards.We are in our 70s the RMD and capital gains made our 1040 AGI of  {$96000.00} in XXXX to {$140000.00} in XXXX .Our XXXX  accounts have over {$50000.00} in cash and {$460000.00} in margin account.We funded a XXXX  XXXX   CD account this last year that has over {$400000.00} in it now.I didn't know I had to keep track of my credit score if you don't need credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error. I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full. They reported this billing error XXXX times across the span of XXXX, XXXX. They reported XXXX, XXXX of XXXX ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX ; as well as XXXX of XXXX as late payments. I did not receive a statement 21 days before the late payment error. Within each of these statements, I was assessed a late charge and interest accrued, adding to approximate amount of {$47.00}.

Furthermore, IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) 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 non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. Each statement writes they will not report me as delinquent on my report. 
Both Equifax and XXXX are reporting negative information on my account on my behalf without my permission, which is a violation of I5 USC 1681b.This account should be listed as PAYS or PAID AS AGREED.
Product: Credit reporting or other personal consumer reports

Multiple incorrect mailing address, employer, date of birthday and names are being reported on my credit report. I have reached out to XXXX, XXXX & Exquifax several times over the last 3 years to have my report corrected with no correction. These errors are hurting my credit file and prohibiting me from purchasing property and receive loans for my business because they are linked to accounts that are fraudulent and not associated with myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Provided a background check report from Intellicorp on XX/XX/18 with some false information associated with my social security number. 

Tried to correct this on the same day, XX/XX/18, and provided the company with further information. 

Received an " updated '' report on XXXX, but the incorrect name was still included. I elevated the dispute with the company. 

Received a third report on XXXX, still containing the incorrect information, which further stated that I had used an " alias '' and " FORMER NAME. '' This is not correct at all. 

Intellecorp refused to correct this information, stating that " someone must order a new report. '' This false information has been provided to a XXXX on all three occasions.
Product: Mortgage

On XX/XX/XXXX we had our house appraised to attempt to remove the PMI from our mortgage loan. The effective date of the loan was XX/XX/XXXX. After the appraisal our loan came in at my calculations- 78 %. We were advised that our loan has to be at 75 % to remove the PMI. We have never had a late mortgage payment, nor any missed payments. Calling the customer service line has never been helpful to us, our calls to the customer service takes approximately 45 to an 1hr of our time. We contacted Roundpoints mortgage customer service twice and they were not able to assist us in advising us on - how we would be able to terminate the PMI, what other options do we have? No exact numbers could be provided to us. One of our questions to the representative was how much does the principle need to be to get rid of the PMI? Roundpoints representative persistent that we use the online calculator as she was not able to provide us with any number to be able to lose the PMI. Also, no dates were provied as to when the PMI can be removed. 
Due to school loans, I am worried that we will fall behind on our loan and we are in desperate need of someone assisting us on when and how can we lose the PMI- How many more months will we have to wait and what other options do we have? I know we can refinance our home and lose the PMI, however doing so would only add the cost to our mortgage.
Product: Student loan

My student loans were bought or transferred to NAvient. I have copies of my payments to the company but my total balance never lowered. I paid off a defaulted loan for {$2500.00}. Within 30 days, another balance of {$2500.00} balance was placed on the exact same defaulted account.
Product: Prepaid card

when i tried to call the company at first they direct express number i called at XXXX they said they deleted my account from the mobile app i ordered a replacement card because my card was lost so i ordered a replacement card to my XXXX Washington address,, after i ordered a replacement card they then said that they needed to send me a pin code, to my phone so i gave them my home phone number,, cell phone then the women at direct express on the phone at XXXX said that she needed another phone number, after giving her two phone numbers she then says that she couldnt send the pin code that that didnt work then she asked for my email i gave her my email she said she couldn't use that email either,, then she said that she had canceled the card she got real angry and was very unprofessional. deleted my card account then locked it and said that she was going to keep the direct deposits that she received from the federal goverment, then she also had several other people who worked for direct express to get on the phone with her so that they could keep the direct deposit that would be coming in from the social security adminstration she it was exactly XXXX ; XXXX am in the morning on XXXX XXXX she then said she would go to fraud department because she didnt want me to access my money she wanted to keep the direct deposits and hold onto them and that social security adminstration nor no one in XXXX  could do anything about,, direct express has a reputation for stealing money from social secuirty clients and not replacing stolen or lost money they take advantage of the poor people and low income people, ,the employee at direct express at the XXXX made threats over the phone that they just lock cards of direct express of the poor and low income and they cant do anything about it nor can social security adminstration,, I could not access my card account of direct express because the ladies on the phone canceled locked my card and made threats, saying the poor and low income are all frauds and no one needs any ssi benefits she laughed on the phone it was funny to her she also had another women on the phone also, Direct express always steal from poor people who get benefits from the social security administration and XXXX XXXX XXXX they never do what they are supposed to do when money goes missing, they replace the card but they like holding onto to poor people money,, laughing making fun of people deleted their accounts but keeping the benefits of the low income and poor sometimes just holding them there
Product: Debt collection

Portfolio Recovery is continuously reporting a debt that do not belong to me. I have contacted Portfolio requesting them to verify the debt with my signature. Portfolio Recovery refused to provide proper validation.
Product: Checking or savings account

I opened a savings account with BMO XXXX XXXX and recently tried to make a withdrawal, but my request was rejected by the bank because they said an account freeze was in place due to potential fraud. I verified all necessary information, and although the customer service rep. agreed everything looked fine, she told me she doesnt have authority to unfreeze my account and that must be done by the fraud team. Unfortunately, no one picks up the fraud teams phone and it goes to a completely full voicemail. Ive now called three times back to customer service, who tells me they cant help me and they transfer me back to the fraud team, which doesnt pick up the phone and has full VM. At this point, I filed a complaint with customer service and just want to close my account, and transfer all money back to the funding account, but they told me that until the fraud team takes action, they cant help me. Even worse, I received an email that my password to my account was changed due to my request, while on the phone with customer service, but I never requested it be changed. When I called back to customer service angry that it was changed, the representative apologized, saying she was the one who changed it and she should have asked permission first. She said that she did it according to internal bank policy in order to open a ticket so the fraud team can help, but I never authorized her to change my password. So now, I dont have access to my online account, the bank has frozen my money, no one in customer service can help, and no one on the fraud team is accessible. Please help! Its right before XXXX and I need access to my money.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered I was a victim of identity theft after noticing unauthorized accounts and transactions on my credit report. I promptly filed a police report and an FTC Identity Theft Report. I sent certified mail to Equifax, XXXX, and XXXX, including my ID, police report, FTC report, proof of address, and a dispute letter outlining the fraudulent activity. Despite these actions, I havent received any response from the credit bureaus, and the inaccurate information remains on my credit file. This situation has caused me significant distress as it affects my financial well-being, and I urgently need the fraudulent entries removed and my credit report corrected.
Product: Debt collection

My information was exposed in a data breach, and my identity was stolen. I have requested a proof of Dept on multiple occasions, last time was XX/XX/year>, and they have not responded. That is over the 60 days they are allotted. I have filed several disputes. Confirmation # Dispute : XXXX.
Product: Checking or savings account

My account is restricted and I have no access to my money. I need the restriction lifted. I received a loan for ppp and they locked my account because They needed to know where the money come from. I faxed my loan documents to them as they asked. I just need my money, I have kids and bills to pay.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NCC BUSINESS SERVICES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Mortgage

Ocwen loan servicing did not response to my qualified written request for verification of debt over the past year or so I sent countless letters asking for proof of Debt that I indeed Ocwen and should be paying Ocwen loan I loan was with XXXX then Litton loan in XXXX the loan was paid as agreed and then Ocwen out of the blue sent a coupon statement asking me to start paying them. I never got and letter stating the transfer or what happen to my last lender. I ask Ocwen to provide proof of debt and if they did n't have proof to cease collection but if Ocwen had proof I would continue to pay. On XXXX/XXXX/XXXX Ocwen sent me a letter stating they would opt to stop collecting instead of showing me proof. XXXX XXXX I sent another letter asking them to stop reporting to the credit angency Ocwen removed the loan from Transunion but reported to XXXX and XXXX that forclouse processing have started Ocwen is not the note holder and has no right to collect. They also never respond to my letters. They have no legel right to forclouse on my property the loan was already paid as agreed
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX in the past concerning the accuracy of the information that they was provided to XXXX XXXX and Experian. I had received little communication and very few documents from them. On XX/XX/2020 and XX/XX/2020 I contacted XXXX to validate this account via certified mail. XXXX recently sent me a letter that states that another company originated the account and that they only serviced the account in which they do not own. XXXX provided me with a document that clearly shows no signature XXXX violated The Fair Credit Reporting Act and The Fair Debt Collection practices by not placing the required disclosure that this account was in dispute they didn't do it in 30 days and they didn't do it in 60 days. XXXX has also failed to validate this account which is a requirement of the Fair Credit Reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disappointed with these credit bureaus, Experian, XXXX, and XXXX. I sent them dispute letters for several times concerning the inaccurate information on my credit report. However, Experian, XXXX, and XXXX have ignored my previous request and failed to maintain reasonable procedures in their procedures to assure the maximum possible accuracy in the credit reports they publish. I never received a response nor investigated the inaccuracy on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX, 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 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.
Product: Credit reporting or other personal consumer reports

EXPERIAN has VIOLATED XXXX  as well as ( FDCPA/FCRA ) LAWS BY REPLYING TO MY DEMANDs WITH MISCELLANEOUS replies that are not addressing the issues at hand such as THE NEGATIVE ITEMS on my consumer report.

IVE DEMANDED SEVERAL TIMES FOR EXPERIAN consumer reporting agency to provide me with the WHO, WHAT, WHERE & HOW they verified NEGATIVE items on my consumer report. 


THE NEGATIVE ITEMS has NEVER been verified & NO PROOF has been provided to me, WHICH IS ILLEGAL
Product: Credit reporting, credit repair services, or other personal consumer reports

The collectors refuse to remove account from my credit report. The amount of {$300.00} dollars owed to XXXX  XXXX XXXX  for the {$300.00} dollar line of credit was paid in full to XXXX XXXX ( name of creditor on credit report at the time of payment ) who sold information to XXXX XXXX ( who is now appearing as creditor on credit report ). I could not pay XXXX  XXXX ( original debtor ) directly because the account and personal information was sold to XXXX, to XXXX XXXX, back to XXXX XXXX, to XXXX XXXX and now Delta Outsource Group ( as of XX/XX/2020 ). XXXX is notorious for false collection practices like sending court documents to previous addresses so the DEFENDANT IS A NO SHOW IN COURT AND THEY VIOLATE THE STATUTE OF LIMITATIONS LAW. XXXX and XXXX XXXX are the only creditors currently showing negative on my credit report.