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

So i had called into Equifax to see what the heck these items were on my credit report and then i realized that there was a process i had to go through. The Equifax rep told me i had to file an Ftc for the fraudulent inquiries, so i did that. Then she said send it in and gave me the address and XXXX XXXX and told me who to address it to. I sent that in XXXX, almost XXXX months ago. I SENT IT MONTHS AGO. I told them explicitly that

these were fraudulent inquires and they assured me that if i went through the simple steps i went through that they would act to remove them. I have done my part to remove this fraud from my credit report, and they have not done theirs. not to mention, they are grossly acting against me and against my rights as a consumer. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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. Did I give them written instructions to furnish this on my credit report? No. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject tosection 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; Delet
e the above FRAUDULENT inquiries from my consumer report, as this agency is in violation of 15 USC 1681.
Product: Student loan

I got in an accident in XXXX XXXX XXXX  told them I wasnt going back to work till all my XXXX  where completed. Im a single father full custody of my son. No child support nothing. During that time I had my XXXX XXXX XXXX. My father was my health care proxy he talked to them during that time telling them I was bed ridding and couldnt talk and that I was gon na be unavailable for months possibly a year and a half during recovery. XXXX  kept my payments that same coming out of my account directly. Next time when I was able to talk again I noticed my bill never goes down. I graduated college in XXXX we are now in XXXX. The woman said to me when was your loan taken out I said XXXX. She said that Navient was recently sued and people who had loans from XXXX during the pay back period were being forgiven. Well all those categories applied to me. Everything that fell under the law suit. Well here we are an nothing still is done. Its getting tiring, stressful, I dont even own my own house yet because is this company has far as Im concerned I should of had this paid off a while ago with my payments that I made on time. Then they talked me into lower payment but never explained it went to the interest only and not the principal so here we are paying interest off and nothing else. I borrowed XXXX and Im up to XXXX how. Im XXXX XXXX XXXX renting and trying to get by everyday taken care of my son and my self. Its affected my life, my health, and most importantly my well being. Im sick and tired of this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company had inquiries on my report as a result of identity theft. They deleted these inquiries after receiving my FTC report. Prior to this matter this impaired my creditworthiness, which caused XXXX. Their action of deleting inaccurate reporting on my credit report is admission of liability. This company has a grave responsibility to report accurate information on a consumers report, which they have not done so.
Product: Debt collection

I have spoken to the company in XXXX of XXXX. I have asked them to validate the amount and the debt in question. They sent me a graph picture with a blank account number and total amount due on XX/XX/XXXX. On XX/XX/XXXX my family and third party called me and let me know that the employees from Frontline Asset Strategies were harassing them with calls throughout the week, also informing me that they shared it was in regards to a {$4000.00} debt and I needed to pay or they would seek legal action against me. I emailed the company, Frontline Asset Strategies right away on the XXXX with the following statement : " My family & third party have contacted me to let me know that you have been harassing them about my account and you have contacted them on numerous occasions. You have also shared with them private information regarding my account which happens to be a violation of the FDCPA. Please do not contact any third parties, including my friends or family regarding my account with your firm. If you continue to do so I will seek legal action against your company and share the recorded conversations they have in regards to the shared information. In regards to my account, when we spoke XX/XX/XXXX, I requested a debt validation of the account to confirm this is or is not my account. You simply sent me a screen shot of a graph. Please, in moving forward, email or mail the appropriate findings and if you do call, please leave a message. I will return your call but I do not answer calls from unknown numbers. Moving forward, cease and desist all contact with third parties including family and friends. cease and desist in sharing my personal information with third parties. I do feel the best form of communication is through email so we are very clear moving forward. 
Thank you ''. Today, XX/XX/XXXX I received a call from another family member letting me know that Frontline Asset Strategies contacted them, were extremely rude and harassing looking for me threatening to seek legal action. I have requested Frontline Asset Strategies to not contact my family or third party and they continue to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. During a recent review of my credit report, my attorney informed me of creditor " XXXX '' issuing a line of credit in my name. This is not my account, nor have I done business with this company. I have never applied for any services, or products, and do/did not authorize the usage of my personal information in connection with or for any monies, or services rendered by this creditor.
Product: Payday loan, title loan, or personal loan

Check into cash, exceeded ACH withdrawals numerous of times from my account and because of them my account got closed despite that my account got closed they still sent me to collections and was getting harassed and build on a daily basis and I still sent them to cashiers checks And I just received a phone call yesterday from them on a different number. I dont know how they got my new number or how they found this phone number but they called and demanded payment so I went through my bank statements that I received when the bank account was open and I seen that, they deducted more than what they shouldve have because I only recall taking out one payday loan or so I demand reimbursed payment of {$900.00} from check into cash for taking more money than what was signed for and agreed of terms. I honestly feel like checking the cash, not only are they harassers but thieves and I demand and expect justice
Product: Credit reporting, credit repair services, or other personal consumer reports

I need all these accounts removed IMMEDIATELY. I filed my complaint over 30 days ago and no one responded so I need these accounts removed immediately. 

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, 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.

This was my complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Sun trust bank credit card is showing account open until of XX/XX/XXXX, and the last payment was made in XX/XX/XXXX because when I went into bank in XXXX to try and make a payment they wanted a {$980.00} minimum payment to make it current, so no payment was made on this account since XX/XX/XXXX or before, this account is 7 years and 3 months since any activity and I would like this removed off of my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following unauthorized hard credit inquiries on my credit report : XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : [ Account XXXX XXXX XXXX [ Account XXXX XXXX XXXX XXXX  : XXXX [ Account XXXX XXXX XXXX XXXX : XXXX [ Account XXXX XXXXXXXX XXXX XXXX  : XXXX [ Account XXXX XXXX XXXX XXXX  : XXXX { Account XXXX XXXX XXXX  XXXX NUMBER : XXXX { Account XXXX XXXX XXXX  XXXX, NUMBER : XXXX [ Account XXXX : XXXX XXXX, NUMBER : XXXX { XXXX XXXX  XXXX, NUMBER : XXXX [ XXXX XXXX XXXX, NUMBER : XXXX [ Account : XXXX XXXX XXXX, NUMBER : XXXX [ XXXXXXXX XXXX XXXX  XXXX : XXXX [ XXXX XXXX XXXX XXXX : NUMBER : XXXX These accounts have accessed my credit information without XXXX explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXX XXXX XXXX ( a ) ( XXXX ). 
According to XXXX XXXX XXXX, Section XXXX ( A ), I have the right to privacy. Furthermore, under XXXX XXXX XXXX, Section XXXX ( A ), Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXX ( a ) ( XXXX ) states that no consumer reporting agency XXXX include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXX ( a ) ( XXXX ), no person shall 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. Additionally, according to XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with XXXX XXXX XXXX ( a ) ( XXXX ). 
Correction of any inaccurate information in accordance with XXXX XXXX XXXX ( a ) ( XXXX ). 
Notification of the correction to any person who has received my credit report in the past XXXX months. 
I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
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.

and list of Inquiries.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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: Student loan

I filed for bankruptcy protection in XXXX  and navient loans should have been discharged once my case was changed from XXXX XXXX  to XXXX XXXX  after I was unable to work and XXXX issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX** Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX  XXXX Balance : {$21000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no knowledge of them, and the company acted without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following letter was sent to XXXX without a response : To whom it may concern, XX/XX/17 I am notifying XXXX and its representatives that I am disputing a credit enquiry made by your company on or about XX/XX/2017. I was in a XXXX  store located in XXXX South Carolina when I was approached by a XXXX representative who enquired about my television service. We began discussing different options that your company offers. After taking some of my contact information the representative asked me for permission to do a credit check. I immediately refused. The representative thanked me for my time and the conversation ended. I left the store. I have since monitored my credit reports to find an unauthorized hard enquiry was made by DIRECTV.

In accordance with the Fair Credit Reporting Act, please remove this enquiry from any and all credit reporting agencies that this enquiry has affected within thirty days of receipt of this letter. My contact information is provided below.

( Included was my personal information including name, address, and telephone number ) ( I have removed this information in accordance with the instructions provided. )
Product: Debt collection

I have never been contacted by One Advantage LLC regarding this debt. I would like full verification and not just my address verified. I want proof this debt is mine, an itemized statement of charges, all payments from insurance, dates of insurance payments and denials. Plus I want the HIPPA form sent to me. I want proof that I signed giving the original creditor the right to release my information to any 3rd party especially since this is medical related and violation of HIPPA could be involved. 

This needs to be removed from my XXXX credit report immediately while verification is being done.
Product: Student loan

I was on an income based program and when my income changed due to being laid off at work, I filed the necessary paperwork with the lender. I received a letter stating I did not need to make another payment for one year. One month later, I received a bill and called to inquire. Customer service stated they would request an investigation and I would receive a letter in the mail. I never did and each month I would receive a bill and I would handle it the same as prior months. The third phone call, the customer service person stated he could see the two previous request for an investigation and that nothing was ever done with them.My request for a written explanation was ignored and ACS Education Services ruined my credit. They refuse to put any explanation in writing and how they can issue a letter that no payment is necessary for the next year and then send a bill is confusing. The initial bill was for XX/XX/XXXX ; which XX/XX/XXXX payment was made and on time. Once I submitted the letter from my bank and their own email confirmation of that payment, they said that was a mistake the bill was suppose to be for XX/XX/XXXX. This has been the pattern or they loose documentation that you file with them. They should provide a written explanation and admit they failed to notify me at the time of my submission of financial documents and work to resolve this issue. I spoke to a gentlemen at the US Dept. of Education who provided me with an email address to contact the department at ACS that completes the investigations. He said they should contact me within 7-10 days, that did not happen. I sent and email and although I received an automated response on XX/XX/XXXX, I have yet to receive anything else from ACS. 
XXXX
Product: Credit card

Upon purchasing hearing aid devices from XXXX XXXX in XXXX XXXX, I paid part cash and the retailer approved me for a CareCredit account with no interest for 24 months from the date of purchase. One year later, I received an interest change upwards of 40 % of my balance. The agreement that I signed at the retailer is for 24 months, no interest. 
I wrote a letter to CareCredit and they have not responded as to why the agreement changed from 24 months to 12 months. I went back to the retailer ( XXXX XXXX ) to explain the issue and they confirmed that I had signed up for 24 months, no interest. 
I sent the paperwork that I had to Carecredit confirming that I signed up for 24 months and they did not respond to my request to fix the interest rate. They are denying that I signed up for 24 months interest free account, the retailer and myself has the paperwork stating this is what I signed up for. Carecredit who processes through Synchrony Bank will not fix the issue. I would like the interest to be adjusted per agreement that I signed upon purchasing the hearing aid devices. I can not afford to pay for an attorney to handle this issue for me and would like guidance on how to rectify this situation.
Product: Debt collection

They keep calling and harassing me. Thisnisnold debt that has been charged off and sold off. It no longer applies. They are way past the statute of limitations to try and collect this debt. They are trying to trick me to restart the statutory time limit. It's an obscene practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2012 I receiv ed a letter from IRS with some owe balance for a place I have work in the past year.Icall them right away to find out they ask me if I have work in that company and I did not recognize so they star an investigation at the same time they suggest me to check my credit report and I fund about  XXXX  accounts open with my information so I star working with the bureaus   XXXX   XXXX   help me lot but Experian Is been a bad experience because every time I called they ask me to mail the same documents over and over and made modifications but is not working I feel like bounce ball between Experian and This companies last time I spoke with experian They ask me to file a new police report with account information and this will remove everything from my file so I sent my FTC report Police report copies from IRS as a proof that I was victim of Identity thief, I need your help to get my relief in my credit situation Thanks for your time
Product: Mortgage

To date Amerinat refuses to send monthly mortgage statements. The last statement I received was XX/XX/XXXX. A door knocker was left on my door when I reached out to Amerinat on XX/XX/XXXX I was not provided information about my loan balance. Every prior statement there was a major past due increase added the amount to reinstate my loan making my loan balance increase more. They send letters from their attorney but never approve a resolution as I was denied a loan modification. Never was given the opportunity to find out why I was denied but no help from this company at all. I get no answers to my questions about my loan. My loan balance has increased not decreased since purchasing my home in XXXX. I am in active bankruptcy and I inquired about the post partition payments made to my account. Again nothing was shared. And then I was hung up on. This is my third complaint as I have received no resolutions. It is totally unfair for a customer to be ignored and mistreated with no clarity or answers. So if there are no answers why is my loan always threaten with foreclosure. This company truly want to take my property. Something definitely need to be done to hold Amerinat accountable. Its companies like this that consumers dont need. There needs to be an investigation as I know I am not the only client who has been mistreated. This clearly appears to be a form of discrimination.
Product: Checking or savings account

I opened an account with a coupon that I would receive a promotional credit upon meeting requirements. I met the requirements ( the bank confirmed this ), but the banker did n't add the promo code despite assuring me that they did, so I did n't receive the promotion. When I called their toll-free number, they would n't resolve the issue.