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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly states that transactions between the consumer and the XXXX XXXX XXXX report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of XXXX XXXX ss XXXX Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : XXXX XXXX AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Debt collection

I received a discharge order for a XXXX XXXX  bankruptcy years ago. Unfortunately, as most people are told, I was told by my lawyer at the time and by Navient, that my private XXXX XXXX Tuition Answer Loans ( 7 loans ) were not eligible to be discharged in bankruptcy. At the time, I trusted the lawyer and I simply trusted that countless representatives were telling me correct information. I am finding out the truth after many years of crippling debt. This debt has caused significant turmoil in my life. I have no savings, no assets, bad credit, sleepless nights, I am embarrassed, I have XXXXXXXX XXXX and have also XXXX XXXX  due to this outrageous debt that hangs over me. All because I was lied to by a lender who I trusted. My debt should have been discharged, but now navient still attempts to collect, my balance continues to grow due to the disgustingly high interest rate. I have had years of good faith repayment and never defaulted. 
This was a direct to consumer loan. Way over the cost of attendance. Nothing was verified with the college, I didnt require a co-signer and I surly didnt make enough money to be given these loans in the first place. They were predatory loans and I unfortunately fell victim to XXXX XXXX now known scam during XXXX while I attended XXXXXXXX XXXX  These monies never crossed the schools financial aid office. Nothing verified, was my credit even checked?? I received a paper checks for each loan, in my mailbox, from XXXX XXXX that went directly to my bank account to use on whatever I wanted. These loans did NOT go towards the cost of attendance and they also exceeded the cost of attendance since I received federal student aid that went directly to the college. These private direct to consumer loans should have been discharged when I received the order. Instead, collection has continued by Navient and I have paid since the discharge order. 

XXXX XXXX is listed on the discharge order attached. 

I also would like to mention how awful majority of the representatives were over the years. I was told things such as too bad, get another job, find someone to watch your kids for free, you should have never had kids if you cant afford to pay your student loans, you should have never went to college, youll have these loans forever unless you die, do you have a rich uncle? ..also, the very consistent harassment via phone calls all day long even up until after XXXX XXXX calls to my grandmother, aunt and friend were endless as well. 
Please take care of this. I completed the XXXX XXXXXXXX bankruptcy only due to my husband being laid off from his job. However, I completed it successfully and honestly over 5 long years. 
I deserve what is right.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!

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 : ( 2 ) 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 as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

They have contacted me personally and left voicemails threatening a lawyer ... .Now they have contacted other people not associated with the card household or related in some cases
Product: Debt collection

Debt Recovery solution sent me a letter claiming that i owed them for a debt that i didnt recognize. I sent them a certified dispute letter through XXXX, advising that the debt was not mine. I also requested validation but they failed to provide me anything. The certified letter shows that they received it on XX/XX/XXXX but they ignored my request and simply added the debt to my credit report. I spoke with someone in the company and he advised that the company didnt nt receive anything. An hour later he called me and now he said that they received it but failed to validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Transunion Reference Number : XXXX including Accounts XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights. 


XXXX XXXX Number : XXXX IN including Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 item 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, credit repair services, or other personal consumer reports

The Credit Bureau has failed to remove my disputed items. They have not sent proof of Validation for any of the following Disputed Items. 

The 1st Dispute letters were sent out on XX/XX/XXXX, This letter asked for any copies of documents that they have that verifies the accuracy of the accounts. These letters were sent to XXXX, XXXX, and Equifax. They failed to send any proof of validation of the debt. The Second letters were sent out on XX/XX/XXXX. The third was sent on XX/XX/XXXX. No proof was every mail to me, the only item mailed to me was a bill sent from XXXX XXXX XXXX. 

After looking at the Fair Debt Collection Act, I have found many violations that the Credit Bureau is allowing to happen. I have sent these violations to each Bureau with an attached Invoice for their lack of protecting the consumer right.
Product: Checking or savings account

On XX/XX/XXXX I received an email prompting me to reach out the Ally ( the banking institutions ) fraud department in regard to my account. Within 10 hours of this email, I reviewed it an reaching out. 

They asked me general information questions on the account and then asked what a specific deposits were. They were direct deposits from XXXX, which I use to accept payments for my art business as I am an independent artist. I miss-spoke and said this was a business transaction after they asked " were these deposits business related? '' and they immediately told me they were going to send this into review for their fraud team because they do not allow business on their bank accounts. I tried correcting myself because these were not business transactions, these were direct deposits from payments made on an entirely different platform. They ignored me and submitted the case anyway that I was " doing business '' on my account. This was not a business transaction and I corrected what I said to what I actually meant - that was this was a paycheck, just like anyone else 's direct deposit, that was deposited into my account by my own business ' funds from another company I DO use for my business transactions ( Honeybook ). 

This was NOT a business transaction but it was too late and they locked me out of my bank account and can not give me a date to when this will be fixed in the 8 times I've called for a review. 

I feel as though the lack of willing to hear me out on my miss speaking to the fact that this was a paycheck not a business related transaction in the moment of speaking to me was misleading. It felt as though they were trying to bait me into agreeing that I was a business owner 'doing business ' so they could have a valid reason to freeze my account. 

Now they have blocked access to my account and WON'T GIVE ME A TIMELINE on when I can even expect a response back to what is going on. I can not even log on. I have no access to my money. No idea when to expect access to be back so I can pay bills and have no ability to tell companies when to expect their money since all auto-pay bills going out of my unjustly frozen account have bounced and they won't tell me when it could be fixed! 

Their customer representatives repeatedly tell me they have no idea when to expect information. That they do not give timelines. I need answers or I am facing credit hits from missed bills all for having my paychecks be from my small business and not something they 'recognize ' when I could tell them what it was when they asked!!
Product: Mortgage

- We bought a new home lateXX/XX/XXXX with a loan principal of {$390000.00} being serviced by Amerihome Mortgage Company. 
- We made a Principal Curtailment ( Principal Reduction ) payment of {$59000.00} in XX/XX/XXXX to bring the loan to value to below 80 %. We included the requested letter of intent that we were making this payment in order to remove the PMI ( Private Mortgage Insurance ) from our loan. 
- The PMI wasn't removed and the payments have been included each month. 
- When we became aware that the PMI payments hadn't ceased, I called into the mortgage company to have the monthly PMI payments cease and the erroneous payments be credited back to our account. 
- The agent gave inaccurate information and requested additional documentation that we had already provided.
Product: Debt collection

XXXX companies reporting same information on credit report, entered into a payment agreement with XXXX of XXXX, Ca. on XXXX/XXXX/2016. They are accepting my credit card payments directly to them, therefor discovery financial has no right to report same information.
Product: Checking or savings account

Chase bank has charged me over five insufficient charges. At {$34.00}. My balance is over {$270.00} Negative. Its not necessary to keep charging ever little thing. One didnt know came thought by mistake its XXXX. I received a {$34.00} charge from chase. XXXX XXXX. Aka XXXX online service. 
Its too many. Fee
Product: Consumer Loan

I called Hyundai Motor Finance to make a payment over the phone since they are unable to take my payment online due to an issue on their end. While speaking with the agent, I informed her that I wanted to make my normal monthly payment of {$230.00}. She took the payment and waived the {$7.00} processing fee due to the issue I was facing online. However, she submitted XXXX payments back-to-back. XXXX for {$230.00} and XXXX for {$230.00}. I NEVER authorized a payment for {$230.00}. I checked my XXXX account this morning and saw the XXXX payments taken out which prompted me to call Hyundai Motor Finance. The gentleman I spoke with said he did not know why the previous rep took XXXX payments but offered to refund me the {$230.00} payment which would take approximately 20 days to receive. I explained that I never authorized the payment for {$230.00} so wanted that XXXX to be refunded. He said he could not because he ca n't refund service fees. I never authorized the {$230.00} payment or the processing/service charge, yet Hyundai Motor Finance refuses to refund that payment. This is highly concerning as I feel I was lied to and their negligence is only costing me my hard earned money. Please contact me so I can have Hyundai Motor Finance investigated for this. I also had an issue during the initial call when I asked them to waive a late fee due to their system issues and they refused. This needs to stop and they need to be penalized for these types of issues. I am a customer of several other financial institutions and have never had these types of issues anywhere else.
Product: Credit reporting or other personal consumer reports

After many attempts on disputing inaccuracies on my consumer report the three reporting agency claims that they verified these accounts as accurate when these companies have not investigation properly. XXXX has on the FOLLOWINGS account : XXXX XXXX # XXXXwhich states charge and has a past due balance reporting {$1300.00} .there shouldn't be a balance if the account is charge off .with the last payment made XX/XX/year> XXXX is also reporting a chatge off with a past due balance of XXXX which should not have a balance reporting and states my last payment was XXXX of XXXX with a incomplete payment chart that is missing 2 months of payment history. 
Equifax has an incomplete report that missing payment amount date of last activity, payment amount high credit, the date of first delinquency showing 9/2020when XXXX show payment made XX/XX/year> also missing high credit and the amount balance which that it should not have a balance amount.these are all inaccurate data on my report thus has been frustrating. For these companies to lack on proper investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

THE XXXX XXXX - XX/XX/2018 IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.
Product: Credit reporting or other personal consumer reports

Re : Never authorized inquiries nor applications for account number XXXX XXXX XXXX XXXX XXXX XXXX, I never authorized a hard credit inquiry nor an application for a XXXX XXXX Business Credit Card nor opening new cards. 

Please cancel these cards and remove from all credit bureaus. 

Attached to this complaint are : This complaint Copy of cards and letter you sent via mail FTC Identity theft report drivers license social security card address Please have this handled as soon as possible.
Product: Debt collection

Company sent a letter saying the would no longer pursue collection activities. But they continue to report negative information on my credit report
Product: Checking or savings account

I opened my account years ago. The bank has since changed hands twice and is now Key Bank. I have had the following issues since Key gained control of my account. 
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- When Key Bank took over, I had to contact them three times to change my address because I did not get my card. There was a language barrier as they were offshoring their customer service. On the 3rd call, I was told they could ship the card to me overnight and would cover the fee. Instead, they charged the fee then I had to call in and was told they charge it when it sends and the customer has to call in to get it waived. ( I later learned they only waive one fee per year so I guess this was their way of getting that one time out of the way even though it was their error, not mine. ) .. 
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- After moving, I contacted the XXXX number to change my address. Their verification process was to answer questions on public record. They should know my maiden name. I chose not to change my last name after getting a divorce. There was no reason for it. Their questions were all related to my ex-husbands family, not mine. I could not answer their security questions so I had to have my mail just forwarded from USPS. I told the rep this was a horrible verification process and she told me I should get my last name changed to avoid it. That was very unprofessional in my opinion, especially since public records know my maiden name. 
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- A few months ago, money was debited from my account without my permission. I believe this happened using XXXX for marketing. I contacted the bank and was told it would take 10 days to resolve. I called back ten days later and was then told 10 business days. I did eventually get my money back. 
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- Last month I changed my phone carrier from XXXX to XXXX XXXX XXXX. I have had a prepaid service for more than 8 years because it is more economic. I did not know they needed to text me a number to the old phone before changing the number. I called into customer service and was told they could not verify my phone. This is because it is a prepaid account. 
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- I made a complaint on Key Bank 's XXXX page after the incident. I was appalled when they asked for my number to assist me. I asked them how safe that would be since they couldn't verify who I am. Someone commented below my response and recommended I report them here.
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 US 1681. 
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

On XX/XX/2024, I received an alert regarding a hard inquiry in the XXXX XXXX, i logged in and learnt it was from XXXX XXXX  with this information XXXX XXXX  Inquiry : XXXX. XXXX, 2024 Institution Information XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX. 
I tried contacting that bank with that phone number, but none of their departments were able to confirm who made that inquiry or if that inquiry was even made. They kept transferring me in circles including fraud department, mortgage, credit card, new accounts, etc but no luck. 

After that I tried contacting the XXXX credit bureau, to dispute it, which required a letter from the institution ( which I was not able to get ) or police complaint. 

At this point, I need help identifying who made this inquiry on my behalf and removing this from my credit report please. 

Please let me know if you may need any additional information.
Product: Credit card

XXXX, XXXX charged me {$4500.00} to provide social media to my XXXX. XXXX, XXXX failed to provide any services that were promised. During this period of time I have been unable to get ahold of them to resolve the issue. Frankly I have been completely scammed by this company and want my money refunded.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$8000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  Balance : {$3000.00} XXXX  XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX & XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX
Product: Debt collection

In XX/XX/2016 I was a victim of Identity theft. Once I found out about this I filed the proper complaints with the FTC notified XXXX of the ID theft. I provided them with the reports and they closed the account. They then sold the account to this company who is now refusing to provide a dunning letter, accept my ID theft report or even validate the alleged debt after sent a letter demanding validation. The statutory time frame for validation is 30 days that has passed and no response. There answer to me over the phone is that they do n't have to validate anything, your not a lawyer you do n't know what your talking about and then offer me to settle the debt for pennies on the dollar. I have stressed to them that this is not mine and they do not care. They said XXXX would not have placed it with them if it was not my debt. I sent a do not call letter and they still call. I sent a debt validation letter that they ignore.