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

On XX/XX/XXXX I requested XXXX and Equifax to properly conduct an investigation on a XXXX XXXX XXXX account reporting on my credit. XXXX and Equifax are claiming that this account is Verified. This account has not been properly " verified '' without sending me a copy of my HIPAA authorization form.

This account in question is a MEDICAL ACCOUNT, that is protected under the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account, XXXX and Equifax are compliant in violating my rights and will be held accountable if legal action does persist. 

ADDITIONALLY According to XXXX XXXX XXXX XXXX, XXXX and Equifax are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 

Sequoia Financial SVCS has been reporting inconsistent balances across bureaus : XXXX Removed for inaccuracy XXXX XXXXXXXX {$6000.00} XXXX XXXX- {$5900.00}
Product: Checking or savings account

On XX/XX/2020 I opened a debit card dispute with KeyBank for cancelled airline flights with XXXX XXXX. XXXX XXXX cancelled my flight on XX/XX/2020. They didn't send me noticed of the cancelled flights until XX/XX/2020. 

On XX/XX/2020 I spoke with XXXX XXXX about the canceled flights. They offered me credit vouchers or ( reluctantly ) a refund. I chose the refund and they told me that the refund could take " a very long time. '' At KeyBank 's request, on XX/XX/2020, I mailed in 29  pages of support for the canceled flights and the fact that XXXX XXXX had not issued the credit. In the support, I provided evidence of my complaint with the United States Department of Transportation, US regulation on customer rights for refunds, and support for the refunded flights. 

On XX/XX/2020 KeyBank still had not processed my mailed in support and removed my temporary credit for the {$4000.00} in dispute. At KeyBank 's request, I emailed the same support on the same day. 

On XX/XX/2020 KeyBank denied my dispute stating that XXXX XXXX had offered me a credit voucher and that was sufficient to evidence no error on behalf of the airline. After receiving the letter on XX/XX/2020 I made multiple attempts to contact XXXX, with the Executive Services team. On XX/XX/2020 I was able to speak with XXXX and ask that they reconsider the declination, given that I had no access to the credit voucher, and still had not received a refund from the airline. 

On XX/XX/2020 I received notice from the US Department of transportation that my complaint was valid, and in violation of consumer rights and that they would forward my complaint to XXXX XXXX. I advised XXXX, with KeyBank, of this fact. 

On XX/XX/2020 I received a response to a prior CFPB complaint that KeyBank was upholding their declination decision. 

On XX/XX/2020 I received an email from XXXX XXXX in response to my USDOT complaint. In the email, XXXX XXXX confirms that I do not have access to the credit voucher and claims that they refunded me for the canceled flights, which they have not. 

I'm asking for the CFPB 's assistance in forwarding my complaint to KeyBank, with included evidence from XXXX XXXX 's communication that they had refunded me. KeyBank should be able to see, from my account transaction history, that I have never received a refund from XXXX XXXX. I am asking that they reverse their declination decision, process the chargeback to XXXX XXXX, and issue a permanent credit to my account. Contrary to KeyBank 's declination response, XXXX XXXX has committed an error, and continues to withhold my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX Bank, account ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

This credit account with XXXXXXXX XXXX has been opened without my consent and it needs to be closed and removed from my credit report immediately.
Product: Debt collection

This complaint shall serve as an addendum to previous claim against another collection company " XXXX XXXX XXXX '' for XXXX XXXX XXXX File number XXXX I would like to dispute this debt under the " No Surprise Medical Debt Act '' I went to the XXXX XXXX XXXX XXXXXXXX  at the early onset of XXXX not know what was the matter. I was covered under my XXXX  XXXX XXXX from my previous employer. I was laid off at the time because our office closed down in fear of the spread of XXXX. I was treated and released the same night, It turns out I had XXXX XXXX? they gave me an XXXX and a prescription for XXXX XXXX.. which was {$120.00} dollars by itself. The XXXX was kind and had mercy on me and only gave me XXXX of the XXXX XXXX they prescribed based on the XXXX XXXX XXXX XXXX and charged me {$20.00} bucks. 

NO ONE EVER CONSULTED WITH MY ABOUT MY OPTIONS? 
for treatment, I was in so much pain, I was crawling on the XXXX XXXX, a nurse came in after I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They could have given me the script for a XXXX XXXX and a script for XXXX to allow my to pass it on my own. The bill would have been XXXX of {$400.00} dollars. 

What they did instead was have me sign all these forms while I was in excruciating pain, proceed to give me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to the tune of {$5000.00} for a XXXX XXXX XXXX. What they did was inhuman. To Surprise me with that bill after care, that should not have cost more than {$500.00} dollars in total. XXXX took total advantage of me. 


This debt was a TOTAL SURPRISE, In that I thought I was covered or I would have never went to the XXXX, in addition to this NO one on the staff ever told me what the charges may be else I would have NEVER submitted to any treatment as a single, laid off woman. 

This kind of Surprise Billing in not only unfair but unkind. Now thanks to the " no Surprise Medical Debt act '' it is now UNLAWFUL. I pay my bills, I never extend myself further than my reach. Because of this debt being reported to the credit bureaus it has negatively impacted my otherwise good credit rating. Please help me by making them remove this debt. Please and thank you. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone : XXXX XX/XX/XXXX Social Security Number : XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Disclosure Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Unauthorized Access to My Credit Information Under 15 U.S.C .

1681b To Whom It May Concern, I am writing to formally dispute the reporting of information on my credit report related to the following accounts, which I believe were accessed or reported inaccurately, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681b. 

I never gave them written consent to furnish your infarmation or obtain your information Please remove accounts immediately XXXX. XXXX XXXX * Account Number : XXXX * Date of Late Payment : XX/XX/XXXX * Account Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  * Account Number : XXXX * Last 4 Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX * Account Closed : XX/XX/XXXX, XX/XX/XXXX I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : I did not provide written authorization for these accounts to be reported or accessed in this manner. I request that you : 1. Investigate and remove any unauthorized or inaccurate entries related to these accounts from my credit report.

2. Provide the names of any entities that accessed my information without permission, along with the reason for access.

3. Notify other relevant agencies of any corrections, if applicable. 
Please confirm the results of your investigation within the legally required time frame. Thank you for your prompt attention to Sincerely, XXXX XXXX
Product: Debt collection

i keep getting debt collection notifications from American Coradius International about debt that does not belong to me from " Bill Me Later '' service through " XXXXXXXX XXXX ''. No additional info is given, no date of service, no explanation as to what this is. Calls to them just go to an automated service that isn't helpful and quite frankly i'm not even sure if this entire thing is legitimate or not.
Product: Credit reporting or other personal consumer reports

I am requesting that XXXX XXXXnot hold me liable for fraudlent charges I am a victim of identity theft I explained to the card holder that I would only be paying for my items that I actually purchased however they denied that and informated that if i made an a payment during the investigation that the cybercriminals would have access to so they then maliciously reported mye 90 daus late which is impossible they are violating my consumer rights and they need to update the credit reports according because I would ot because they are holding me liable for charges that area fraudlent. 

I am requesting that XXXX XXXX listen to their recordings and acknowledged there terms and condition because I am protected unters ther zero liablity protection and I have another service to product to repair my identity and they have not been at all cooperative or understanding that all the devices where compromised by a hackwer who then gets someone to rob be of those said devices and its whithin these devices my digital Identity has suffered
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account in question ( XXXX XXXX XXXX ) does not exist on either of my credit reports. And I Never had an agreement or contract with Any company called XXXX. 
No documents were ever sent to me either.
Product: Checking or savings account

Wells Fargo Bank denied a {$5000.00} claim. Will not help me get my money back from a dead end merchant that I can not get ahold of.
Product: Credit card or prepaid card

I made an online purchase for a 24 foot ladder with Lowes. When the ladder was delivered, my husband told me I had ordered the wrong size because the ladder was too tall to fit our shed. I went back on line to lowes.com and spoke with an rep/agent named XXXX, She placed an order for a 26 foot ladder and reassured me that the 24th ladder would be picked up when they deliver the 16ft ladder and I would be reimbursed for the entire purchase of the wrong ladder, including the delivery fee. I got my XXXX statement and the charge was not reversed as I was told. I have called the online number and have been advised to call 3 different Lowe location. I am will to pay for everything I order from Lowes however I am not willing to pay {$280.00} for an item I did not receive. I was told that the person who does the returns was behind and it should give it 14 days. It has been since late XXXX that this all started. I have been told that management would call me, to date, I have not heard from any one. I have been given the run around and have had to wait on the phone for hours and hours trying to speak with someone. The associates are rude and unprofessional and the managers just past the buck. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Records - XXXX County Tax Lien sent letter to LexisNexis, XXXX, XXXX and XXXX XX/XX/XXXX requesting the Tax Lien be deleted as the item was Paid Off in XX/XX/XXXX and it was refused.
Product: Credit card or prepaid card

I sent " Fortiva Master card '' debt validation letter over 30 days ago. I was asking them to validate a debt they say I owe. Or, remove it from my credit report. I've have been waiting for my response. They have not responded.
Product: Credit reporting or other personal consumer reports

I have received notices by mail that companies I have done business with have experienced data breaches and noticed some unusual accounts listed on my credit report. The only response provided is a simple item verified comment with no supporting documentation, these are frivolous statements followed by " in accordance with fcra standards '' This action reflects a concerning pattern of noncompliance and negligence which directly undermines the integrity of the dispute process and the harm it causes consumers especially during a time of significant inflation. This agency is operating off of profits and not by the law which is to provide accurate information on the behalf of all consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX
Product: Credit card or prepaid card

My complaint is with Bank of Anerica. They cancelled all my credit cards with them for no reason. I had saved rewards totalling XXXX. They did not notify me that they cancelled them on XX/XX/2018. So when they cancelled i lost all my cash rewards. I was saving money to open a XXXX XXXX acct with them. My credit score has always been XXXX to XXXX all my life. I never paid a bill late. I took this to small claims court but the judge ruled the bank can do anything they want. I just want my cash rewards owed me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX Ps. The bank said the reason they cancelled my credit cards were they were afraid i would charge a lot of money and i had too many hits on my credit. Why would i do that? Im XXXX years old. Ive  never done it before so why would i do it now. There were 5 credit cards involved. They are XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuse to dispute acct from XXXX XXXX XXXX ending in XXXX plus last 3 disputes took over 30 days with no reply from them. they also reuse to contact XXXX XXXX XXXX to correct error on acctt ending in XXXX i have talked to XXXX XXXX XXXX 5 times and they have confirmed they have contacted equifax to correct this but equifax refuse to correct data
Product: Credit reporting, credit repair services, or other personal consumer reports

I didnt authorize anyone to run my credit
Product: Debt collection

Step 1 : What is this complaint about? 
XXXX pulled my credit report without my permission. When I asked why, I was told that the representative was not willing to put the reasons why in writing. 

Step 2 : What type of problem are you having? 
I have never used XXXX services before. I want to know why my credit was pulled, and why is this still an ongoing thing. 

Step 3 : What happened? 
Back in 2011, I tried to purchase a plane ticket for my son, to fly him to where I was stationed in XXXX XXXX, Wa. The military would not book my son a ticket on the same airline because they did not partner with them, so I told XXXX I would not be needing their services. I never used the ticket. I have spoken with them numerous time, but they are still showing up on my credit report as delinquent. I do not owe them anything. 

Step 4 : What company is this complaint about? 
XXXX Services Step 5 : Who are the people involved? 
Just myself and XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX i logged into my Experian account. Made necessary changes like updated address and contact info. Fast forward one month i go to login and now my info doesnt match records but I cant make a new account cause I already have one. Verification codes are not being sent to my email or phone. I have sent an email to esuppport to no avail. I continue to try my login and now my number doesnt match records and my password can not be reset either. I am needing to access my account because I am needing my credit ran for a vehicle I NEED to purchase to continue my daily life. I have emailed every month since XXXX and have called over 50 times to three different Experian numbers to get no help or response. Today I finally submitted a dispute with my identification to get this resolved. It baffles me how hard a company tries to avoid its customers. Its ridiculous. All I need to do is either get my account back or delete and make a new one so that I can unlock my credit so that I may purchase a vehicle. Im sure this can get resolved with a simple phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car on XX/XX/XXXX and gave permission for XXXX XXXX to pull my credit. Not only did XXXX credit pull my score, but 5 other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX  twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. 

Please help me to fix this problem. 

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

According to US Code 1681a ( f ) ,1681b ( 3 ) and FDCPA regulation, repossession in order to pay/settle on a debt as well publication of list consumers who have not paid on a debt other than a credit report, such as a publication at an auction of repossessed vehicle or advertisement of sale to coerce the payment of a debt, this is a violation of the FDCPA. 

I, XXXX XXXX refuse to pay this debt/account. 
XXXX XXXX has violated my rights in how they have handle this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting or other personal consumer reports

To whom this may concern, My personal and financial information was compromised without my authorization. 

The family education rights and privacy act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.