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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 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. '' Innovis is consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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 nonpublic personal information. " In general Subject to 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. Innovis do not have my consent to furnish my information and they surely do not have my written consent. Any and all consent to Innovis 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. '' Innovis never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) 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 seven 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 ) ( 1 ) 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 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Innovis is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I exercised this right on XX/XX/XXXX and Innovis has still continued to compile a list of my information without my written consent with the latest update being reported on XX/XX/XXXX. Innovis has shown clear evidence of willful none compliance pursuant to 15 U.S Code 1681n
Product: Consumer Loan

I finance a car thru Ally Financial on an 8.44 % rate. However, after reviewing my payments and total I believe they 're taking advantage of me and applying all payment to finance charge. I 've spoke to the rep and she has state they forecast charges therefore I must pay that interest. I was never late on this loan always paid as agreed however for 2016 I paid more in finance charge than what was applied to principal. Now I understand a high interest rate most payment would be applied to interest however on an 8.44 % rate my I should n't have paid more in finance charges than towards my principal. No one can explain this. I feel taken advantage of as a minority an XXXX XXXX Male. I have giving more money towards my payments to pay off early but none of my payments where applied to principal but to interest. I feel abused in this situation.
Product: Credit card or prepaid card

i just wan na complain Wells Fargo bank bec. ever since someone hacked my card and i try to asked for a new one. until now i havent got it yet .and its been 2nd time that i use temporary card. i gave them the right information the exact address but until now i never recieve my actual debit card at all. Its bec im a poor credit person they can do that to me. This is not right ... and i cant even open a new account to otsher bank..
Product: Checking or savings account

XX/XX/2019 an unauthorized transaction to my personal Bank of America account for the amount of {$740.00} coming from Bank Of America itself on the Small Business Division as " a payment '' -not a fee. I disputed the amount and they told me they can not reverse the charges even if they were not authorized cause it came from the same bank. I insisted it came from a different division with a different name, different billing address ( XXXX XXXX XXXX. XXXX  XXXX, XXXX, DE XXXX ) and even different Federal Identification Number therefore is a different business and it should be treated as if it were any other creditor or bank institution.I asked how is it possible that you are able to do it when it comes from any other bank but not from your same bank name even from a Different Division, they answered saying they have the right to do so. I said Unauthorized is Unauthorized, if I had my account opened with another bank institution, the BOA Business division would had not been able to do so, and they acknowledge that what I was saying was correct but that they were sorry. 

They deducted the money as an ATM transaction and that debit card has been issue just recently. there is no possible way that they had obtained the debit card number from me. I considered this was not just unauthorized but fraudulent from Bank of America itself. 

I contacted the BOA small business division and they in fact point blank told and acknowledge that " YES. YOU DID NOT AUTHORIZED THE TRANSACTION '' and they acknowledge THAT I DID NOT EVER PROVIDED MY PERSONAL DEBIT CARD NUMBER TO THEM.
Product: Credit reporting or other personal consumer reports

Account on credit report is showing a discrepancy in last payment date of XX/XX/year> and XX/XX/year> which is a violation of FCRA laws ( 15U.S.C 1681e ( b ) ).

Never receive a 1099-C form from original creditor ; under the IRS definition of charge off it has become a canceled debt and has to be reported on my income. 
The original company, XXXX XXXXXXXX XXXX sold my account to XXXX XXXX XXXX without verifying me and without disclosing their responsibility which is a violation of FCRA laws ( 15 U.S.C. 1681e ( d ) ) The company, XXXX XXXX XXXX, is not bonded nor licensed to collect in my state of South Carolina. 
Please delete account off my consumer report due to violations and inaccuracies.
Product: Credit reporting or other personal consumer reports

EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CHILD SUPPORT were sent Notice to Cease and Desist reporting of several currently reported injurious claims ; unproven yet to be factual and physically validated as true, correct, complete, timely and certifiably XXXX XXXX format compliant. XXXX XXXX CHILD SUPPORT currently appears on my credit profile, twice, for the same alleged debt. 

The claim by XXXX XXXX  CHILD SUPPORT was to be checked for requisites and immediately removed from reporting of ONLY factually true, complete, timely, validated and certified allegations. This original Notice was sent XX/XX/year>. EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX CHILD SUPPORT failed to provide any of the requested information. 

Per my States reporting regulations and the applicable federal guidelines for lawful and compliant reporting of consumer credit, it is unlawful to assume report-ability of any claim without physically verified proof of fullness of truth, completeness of accuracy, timeliness of validity and/or certifiable compliant reporting elsewise to include but not limited to the standards and mandates described or hinted at via the applicable FCRA AND FDCPA laws XXXX much less the standard of compliant reporting of the documented perfect and complete XXXX XXXX Format compliance of reporting. EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX CHILD SUPPORT 's current reporting practices are significantly deficient and unproven to be factually true, correct, complete, timely, validated, and/or elsewise certified compliant as related to the mandates and standards of lawful reporting, per the applicable aspects of FCRA and FDCPA to include but not limited to the mandatorily perfect and complete certified XXXX XXXX format reporting. 

EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX CHILD SUPPORT are reporting inaccurate and incomplete information, in regards to the below noted allegedly derogatory account. 

A complete dissection of EQUIFAX INC., XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX CHILD SUPPORT 's unlawful reporting is attached to this complaint. The attachment details nearly four years of unsubstantiated reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXXXXXX XXXX  Account # XXXX I was never late, 30 days XX/XX/XXXX, 60 daysXX/XX/XXXX, 30 daysXX/XX/XXXX, 30 days XX/XX/XXXX, or 30 days XX/XX/XXXX. 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I spent 4 hours trying to reach customer service to freeze my credit, could not.

The recording said " If you don't want to wait online hit # 1 to leave a callback number.

I did so three times, each time I got a busy number.

I tried again on XX/XX/2019, after 4hours and 40 minutes I gave up, again I tried 4 times to leave a callback number, each time I got a busy signal.

This is unacceptable, there are thousands of complaints against Equifax.

Why are they allowed to do this?

Something needs to be done
Product: Credit reporting or other personal consumer reports

I am disputing multiple creditors including XXXX and XXXX for two car loans that were stolen because of a case I was a victim in All the negative credit is because I was attacked ( XXXX ) by violence and trying to figure out the best way to remove the reports that are incorrect. 
XXXX XXXX XXXX is charged off for the bank not doing anything about the fraud and refused to send me a new card or resolve the fraud that still continues in my life. 
I have been at the bank for 30 years with direct deposits from social security since XXXX. 
I am XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI am veteran. I still can not go online to do anything after 3 years.i set up a meeting with XXXX XXXX executive offices to ask for accommodations since they gave me such a hard time when I would go to the bank on person. 
I have voice recognition set up and they still can not resolve my credit card or online banking issues and fraud. They have now charge off my credit line because of identity theft l fraud and refused to assist me. They told me to contact you or the attorney general for help I am a victim please help me with the proper documentation to resolve my fraud issues and continued night are with XXXX XXXX and all the creditors that do not hear what I have been telling them that I have been experiencing fraud etc How do I get my financial life back? 

Sincerely XXXX XXXX
Product: Credit reporting

I paid my bill from XXXX and was advised by XXXX collection agencies that they have requested that it be removed from my credit report back in XXXX 2015 when I paid the balance and again on XXXX XXXX 2015 when I purchased my credit reports and noted that it will still on there. There is also a charge of XXXX that shows closed that should be off my credit because that should have been put through my health insurance.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my chexsystems report and noticed several addresses on my report. PLEASE remove all addreses that not my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Please see the attachments for a full description and all documentation. Gemini transferred XXXX XXXX and XXXX XXXX that I did not authorize and did not receive any notification for the transfers. Neither I nor could XXXX stop or freeze my account. Gemini had TOTAL CONTROL over the situation and could easily have mitigated and even ended the hack the by having a secure system and telephone support. They have neither. Due to their lack of telephone support and insecure system that did not track any unusual activity, it took Gemini an hour and one half to freeze all accounts resulting in losses of XXXX XXXX dollars in XXXX coins and cash. Gemini has NEVER responded to all the questions found in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX, XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting 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. Has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

I have informed them that my information that they have is without my authorization and they should not have any loans or any accounts in my name, date of account opening is XX/XX/year>, I have filled a police report as my family and my personal identity has been stolen along with such things like personal identification cards, credit cards, social security card. The action that was taken was the company continuously reports the account and stated that its not fraudulently opened without their own proof. 
one other not is on my credit file they are also reporting as 90 days late which is also incorrect due to it saying paid prior months, which is also incorrect and is also hurting me.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The XXXX and XXXX Credit Bureaus are reporting inaccurate information on PORTFOLIO RECOV ASSOC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern I have right to privacy under FRCA LAW I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified XXXX. Provide validation of the debt, that is, the actual accounting. 
XXXX. Verification of their claim against you, that is, a signed Invoice. 
XXXX. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 

Lastly please remove the following collection accounts from credit reporting : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary XXXXXXXX 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

Under, 15 U.S Code 1681b - 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 : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protecter consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion Of this account listed IMMEDIATELY! 
XXXX XXXX {$33000.00}
Product: Credit card or prepaid card

please investigate inquiries from NFCU XX/XX/2022 and NFCU XX/XX/2022 & XXXX XX/XX/2022. if these are inproper accounts please remove them.
Product: Student loan

On XX/XX/20, I received the attached e-mail from Nelnet informing me of the forbearance on student loan payments and providing options to continue to make payments during this forbearance period. I sent an e-mail that very same day, as directed in the e-mail, requesting to continue to make loan payments at 0 % interest during the forbearance period ( please see all attachments evidencing the e-mail was sent ). The payments were never taken as directed. It appears that Nelnet was not and is still is not prepared to service its vulnerable customers during this pandemic. I was specifically harmed by Nelnet 's lack of action as I was unable to take advantage of continuing to make my payments at the 0.00 % interest rates. Further, I am still uncertain as to how this issue will affect my ability to have my remaining balance waived after 25 years of continuous payments.
Product: Debt collection

Diversified Consultants out of XXXX has called me repeatedly on a 6 year old debt at least XXXX a day after I have asked multiple times to not contact me on my cell as it is used for work. I have asked repeatedly for them to correspond with me through mail.
Product: Checking or savings account

Problem first happened on XXXX XXXXWas trying to get a loan.A person put money in my account and told me to get him a XXXX XXXX XXXX XXXXSo I figured it was his money well this person reversed the charges on my account.Chase bank won't close the account and now it's up XXXX I have been to chase bank a number of times to see bank manager only to learn he's off.I have reported them to the attorney general.I have a learning disability.My account was hacked.Bank said all my claims have been denied.So at least XXXX  has been reversed to me.Im hoping you all help me.Sincerely XXXX XXXX
Product: Debt collection

It has taken years but my credit report has been cleared. This is the third attempt this company has tried to collect a paid or old debt. XXXX attempts by mail which has been ignored and this morning XXXX/XXXX/2015 at XXXX XXXX by phone. I was kept on hold for XXXX minutes. Then a clerk tried to get me to verify information about myself after I told them not to contact me again. I want this company to leave me alone.
Product: Consumer Loan

I am being harassed while at my place of employment by Capital One Auto Finance regarding a late payment. Several fellow employees have received phone calls from XXXX Representative name XXXX continues calling my employer in spite of being instructed not to contact me here.
Product: Credit card or prepaid card

XX/XX/2020 - {$200.00} XX/XX/2020 - {$250.00} Barclay credit card company accepts via telephone, payments using only a checking account number and bank routing number. They do not ask the payer to verify the name on the checking account nor do they validate whether the name on the credit card and the checking account are the same. 

Due to this blatantly insecure policy of theirs, my checking account was debited twice within 5 months without my authorization. I had to file a dispute each and every time which is a long and arduous process. This policy is an open door for fraud and theft. Stricter requirements must be in place when someone is using a checking account to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is dealing with the Equifax Breach 2017 earlier this week that affected up to 143 millions  customer records. I learned from my current employer to go to https : //www.equifaxsecurity2017.comXXXX to see if I was impacted and I was along with my husband. This information should have been shared with everyone back in XXXX 2017 when it started. Also if they had any idea of all the people affected then notification should have been sent to those individuals. This affects my entire family.