23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services ( XXXX XXXX ) XXXX XXXX XXXX, XXXX, MA XXXX Date XX/XX/23 File Number XXXX XXXX XXXX Amount of Debt XXXX Paid off reference Number XXXX Although this account isn't mine, but was for another individual car insurance, I gave permission for them to transfer the policy into the other individual name. Which was not done. Now a collection was put on my credit reports, in which the the full balance of XXXX was paid. I contacted Credit Collection Services regarding the payment was made and can it be removed off my account which went down XXXX. I was told they can not remove it, but to contact the bureaus to request for removal. I put in a dispute with XXXX  requested for " goodwill deletion '' twice which one is in dispute again. I contacted XXXX in which I was told the company would have to remove it. Now both of them giving the run around to remove this report which is paid, they put it on my account, but can not remove it? Nor can the credit bureau? For XXXX XXXX to keep the account in my name when I have no vehicle. As well sent a new policy for the individual to sign up. Not my name but in the individuals name. Yet my credit is affected. Request for it to be removed.
Product: Debt collection

USAA repeatedly attempt to contact be regarding the debt of another USAA member. I repeat : I was not the individual responsible for the debt. In fact, it was only by relation that USAA continued to harass me for the contact information of the debtor. I repeatedly requested that the harassing phone calls stop. Over a period of about 12 months, USAA continued to make harassing phone calls. They started up again recently and continue to this day. They need to stop and I need to be appropriately compensated for the huge amount of time I have wasted and the expenses I have incurred in my attempts to stop these harassing phone calls. I am a good paying customer of USAA : this is no way they should be treating anyone, let alone a loyal customer. Stop the harassing phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint regarding my name on my Equifax credit report. The company has mailed me information indicating my name is corrected but, my name is still incorrect on their website and on the letter addressed to me. My feedback on the previous complaint was that the company had not resolved the issue. I need to ensure my name is correct on my credit report, including the information viewable in my online MyXXXX account. 
This is my previous complaint ID : XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered accounts that appear to be inaccurately reported. I contacted the company directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my report, which I believe is a violation of my consumer rights.

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary stress and potential harm to my creditworthiness.
Product: Credit reporting or other personal consumer reports

1232g. Family educational and privacy rights On XX/XX/XXXXXXXX  I spoke with several individuals at DEPT OF EDUCATIONXXXX and sent a letter on XX/XX/XXXXXXXX  to XXXX at XXXX XXXX XXXX XXXX XXXX , NE XXXX for removal and also I requested that they send me my Master Promissory NOTES for both accounts on my credit reports Date opened XX/XX/XXXXXXXX  Account number XXXX Amount XXXX Date opened XX/XX/XXXXXXXX  Account number XXXX Amount XXXX NO ACTIONS WERE TAKEN I've also informed Experian, XXXX and XXXX of the violation of the Family educational and privacy rights requesting removal
Product: Debt collection

They keep trying to collect on a debt that i've disputed, is not on my credit report, and the statute of limitations  has expired on.  The name of the company is Portfolio Recovery.  They call me two to three times a day and are spoofing their caller id to show up as phone numbers that don't belong to them.  They are using the same tactics as robocalls and ive asked them to stop but they address rude and threaten me all the time.  They are calling me using a robocall and this is my cell phone which does not get free minutes.
Product: Checking or savings account

XX/XX/22 I contacted Bank of America to dispute a charge. I received an incorrect order from the merchant. I contacted the merchant to let them know they sent me the wrong order along with photos. The merchant said that they would " look into it and get back to me as soon as possible. '' But they never did. After one week, I emailed the merchant to get a status update on their resolution but they didn't respond to my email. for 4 days. So I decided to call the bank to dispute the charge.

The bank of America representative denied my request to dispute the charge until I " send back incorrect merchandise ''. I told the representative that 1 ) I haven't been asked to send back the incorrect merchandise because no one is responding to my emails 2 ) I am not paying to send something I didn't order and 3 ) I still have the right to dispute the charge because I DID not receive my order. The Bank of America representative continued to deny my request and told me to call the merchant instead of emailing them to try and resolve the issue.

I then I asked to speak to a supervisor. The Bank representative got upset as evidenced by her attitude and loud sighs. she then put the phone on a silent hold for 27 minutes. I hung up the phone and called the bank back for a second time.

The bank of America representative documented what happened in the previous call and transferred me to their supervisor. I was on hold listening to music for about 4-5 minutes, and then the line picked up. I thought someone was going to say hello but then it hung up immediately. 

Bank of America is not allowing me to speak to a supervisor and the representatives are not taking the correct actions to address this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

XXXX XXXX XXXX : {$27000.00}
Product: Mortgage

XX/XX/XXXX, called Pennymac, spoke to PMI department regarding PMI deletion as we have made many improvements to our house since purchasing in XX/XX/XXXX. 

Payment of {$150.00} was taken over the phone that day to pay for the appraisal. 

XX/XX/XXXX, I missed the call from Pennymac, message stated they were calling to schedule the appraisal. 

We attempted numerous times to call back to reschedule only to not receive a response. 

We eventually received a letter stating that we were not eligible for the PMI deletion as not enough time has passed since we purchased the home. We again tried to call to clarify as to why this letter was sent without the appraisal without any response. 

After weeks of being promised a return call we finally were able to speak with someone in the PMI department ( XX/XX/XXXX ) who quoted incorrectly the XXXX XXXX regulations and told us that we were not eligible for PMI deletion as we have not lived in the house for 2 years, and that if we wanted they would refund us the money for the appraisal I read him the criteria of PMI deletion from XXXX XXXX  website which states if improvements have been made to the house then we could start the process. We had made it clear from the beginning that we were requesting a PMI deletion based off improvements and value of the home, thus why we paid the {$150.00}. 

We asked to be transferred to a supervisor, at that time we spoke to XXXX XXXX, who assured us that we were right, and due to the amount of improvements we could start the appraisal process. 

We submitted proof of improvements to the house, and then were contacted by the appraiser who came to the house on XX/XX/XXXX. 

10 days have since passed with no response from Pennymac, except that we have received a duplicate letter from Pennymac stating that we do not qualify for PMI deletion based on the amount of time we have spent in the house. There has been no response from XXXX who was previously communicating with us. 

The appraiser - XXXX XXXX with XXXX XXXX respond to an email with a range of what the houses in the neighborhood are valued at, which is not a sufficient appraisal. 

The appraiser told us that he was not able to issue us the report, that it would come from Pennymac with comparables and property condition to determine current market value. 


At this point we are extremely frustrated with the lack of response and delay in this matter, as they have stopped responding to us we are asking for your assistance in this matter.
Product: Student loan

I have been making payments on my students the best that I can since I made a payment arrangement to make interest only payments I have been making those payments of {$210.00} for almost 4 years. Recently I had a baby which would make my XXXX  child and was off work for the 3 months. While I was off work I was responsible to pay my portion of my health insurance due to not have any paid time off I paid my portion to keep my health insurance while my employer paid their part. My portion was {$230.00} to pay as you can see this took from me financially but it was need thus I could not make my student loan payments for the months of XX/XX/XXXX and XX/XX/XXXX. I finally made a payment in XX/XX/XXXX and now they continue harassing me telling me I am delinquent still for XX/XX/XXXX which I understand. I explained to Navient the situation the financial hardship and they informed me that if I did not make two payments in the month of XX/XX/XXXX I would be reported the Credit Bureau and for the delinquency. I have XXXX children and a XXXX XXXXXXXX mother I have to provide for not playing the victim but I can not afford for my credit to be damaged this will affect me from getting future credit in case of emergencies. The fact of the matter is if you pull my credit you will see that I have a very good credit and I do make it my obligation to make payments on time even if it means going with out myself. Navient is a lender that should be barred from lending to anyone because they have broke the law many times and taken advantage of me. I have made payments several years and my balance have not budged at all it is disgraceful.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Debt collection

I have disputed this debt directly with Diversified Consultants on XXXX/XXXX/17 requesting verification of this debt because it is not mine. They made a remark on my credit report that the account is disputed and verified, but never sent verification. I have continued to receive harassing phone calls from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Second request.. these are not my accounts.
Product: Credit reporting or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found, has led me to believe I may be a victim of identity theft, as I did not approve any information to be used in my name. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any notification or alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade In addition, I have attached a PDF document reflecting all items that were found. 

PLEASE REMOVE THE FOLLOWING INQUIRIES ASAP Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX   XXXX   XXXX  This account was sold to   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   therefore they can not be reporting a balance on this account. On my credit report, they are reporting a balance owed of {$1300.00}.   XXXX   XXXX   XXXX   XXXX   XXXX   agency is also reporting the same debt on my credit file.  XXXX   XXXX  needs to update the balance to  XXXX  immediately or delete the account off my credit file!! I have tried numerous times to get this corrected and I am being ignored.
Product: Credit reporting or other personal consumer reports

Capio Partners XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX {$1100.00} I am requesting them to validate this alleged debt. Please provide me with a breakdown of all charges, dates of service, and procedures given including all fees associated with the alleged debt.

Additionally, I am asking Capio Partners to provide me with a copy of a signed release of health information, as I do not recall signing a release of medical information for them. This is a direct violation of the HIPAA law.

If the debt can not be validated and a HIPAA can not be provided I ask that the alleged debt be removed from my credit report. Furthermore, until the debt is validated and a HIPAA is provided I ask that Capio Partners cease any further reporting to the credit bureaus for this account.
Product: Credit reporting

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone 30 days mark and can not verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA- they are required to Promptly delete any information that can not be verify '' that I have disputed. Please help me resolve this matter as soon as possible. Thank you.
Product: Checking or savings account

Hi chase bank has been keeping me waiting for deposit approvals of money, not allowing me to overdraft and even excessively long wait times for mail and account updates including adress changes phone numbers and processing of my money! 

They intentionally are extremely unfair to me and very mean. 
They wont stop fusterating me constantly. 

Ive told everything you can think of and no one can do anything about it. 

There lying about me and trying to make up stories so they can freeze my money and bankrupt me They have stranded me while I was traveling 2 or 3 times intentionally to make me react By keeping me with no money for days no food or water and no gas! Starving hungry in the desert! With no water because of chase!
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report. Someone must have applied for something in my name. I contacted the company and they have no record of the application or inquiries. According to the Fair Credit Reporting Act, legally these unverified and unauthorized inquiries must be deleted.
Product: Student loan

My loan origination date was in the fall of XXXX. This loan has been bought and sold to so many companies over the last 20 years I can't recall all of the information. Currently Navient is the loan provider. Navient and Sallie Mae have had the loan for certain since XXXX. In XXXX my wife and I filed a chapter XXXX bankruptcy, as part of our repayment terms our attorney tried to get the loan company to accept payments as part of our bankruptcy, we did not ask for a reduction in amount or ask for the debt to be discharged in any way. We simply wanted to re-pay via the court. The request was denied. We were able to re-pay our debt in 3 years and sometime in XXXX after the discharge the loan companies starting contacting me to begin repayment. Since the repayment process began again my family and I have been diligently trying to get rid of the debt. Navient 's records only date back to XXXX, however the original disbursement was {$9200.00}, I have been repaying an average of XXXX monthly since XXXX and my statements state that my balance owed is still {$8500.00}. The interest rate is 4.25 %, and the average interest yearly according to the statements they send amounts to around {$400.00}. Since XXXX I have paid over {$6300.00} to Navient even with interest over that time frame I should not still owe {$8500.00} the math just does not make sense. I have made multiple attempts to contact Navient and am unable to reach anything but a recording. I have " scheduled '' more than one Call, in which I schedule a time and they are supposed to call me, and they never call. I understand that we have made errors along this path but I feel that we are being taken advantage of and I would like credit for the money we have been paying. If this is how the companies take advantage of consumers its no wonder the entire country is engulfed in student loan debt.
Product: Checking or savings account

I have been charged a large amount of fees for the past few years {$12.00} for " Overdraft Protection ''. I feel that they are adjusting debits in order to be able to charge all of these fees. I would like someone to please review this ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I call direct express at the I Customer service on XX/XX/XXXX between XXXX or XXXX XXXX  to block XXXX again. The customer service said she would look at it. She said she couldn't do a block on XXXX. I said XXXX was block before with no problems. While we were talking she was blocking my card and sending me another card without letting me know. I call to talk with two supervisor and they said that social security would have to send my info to them. At this bank has a rule to send a code before talking to me. This lady even send a code to my cell phone or to my email. This was all done without my knowledge. This happen to me before. The frost time it 10 times to get the right person to look in the matter. The second time I call 6 times and no problem solve. I can't do no more than I can because of health. This people told me not to yell I said if it was your money, wouldn't you be upset. The two supervisor I talk to were XXXX and XXXX. This is a very bad bank when a customer service do things without telling me. I want something done on this matter. I am a XXXX old lady living in XXXX trying to survive and keep safe. No I don't drink never don't drugs, don't smoke or gamble. I am a true XXXX lady live in XXXX for 9 years until I ask for help. Now I after deal with this kind bank that let their worker take what money I. Really this bad.
Product: Credit reporting or other personal consumer reports

A fraudulent request of my report and activity was done by XXXX  and as a result of identity theft, an unofficial account now shows on my credit report, only from Experian. I have followed the dispute process with both companies with proof of the fraud, but no action has been taken, in violation of FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is refusing to remove inquiries I did NOT authorize. Although I may have  some open accounts with some of these companies, I did NOT authorize the inquiries on the dates shown on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter to them asking for proof that I obtained this debt and they failed to provide actual proof that I obtained this debt! Now they are stating that the information that they provided to me WAS in fact sufficient, when by law it is NOT. I asked for my signature, or a school picture ID that PROVES I attended this school to obtain this debt! They provided a ledger and a class schedule. That is it! That in NO WAY proves that I attended this school or that the debt belongs to me! It doesn't include any identifying information to prove the debt is mine! By law, they have to provide proof that I attended this school because if they don't then they can't collect this debt! Just because they say the info that they provided was sufficient DOESN'T mean it is! Any judge in the land will agree with me! And I am prepared to take this that far if they want to keep playing games and trying to bully me into paying a debt that they can not even prove is mine!
Product: Checking or savings account

On XX/XX/year> I lost my debit card but was unaware of its absence until the next evening. Remembering having it the day before, I believe I misplaced it in my home because I went out to eat and came straight home. Dont pay it any mind and used my card via XXXX  until I realized I was missing funds. Immediately I called the company and they do not have customer on the weekends. I sent a message but didnt get a response until today. I was then told how to file a dispute although the way the site shows you is totally different than the regular instructions. I provided proof to the company that I indeed did not authorize the transactions and that my card was stolen by a family member. One of whom does not reside with me. They insisted that she used my pin. My pins are all the same. She has used my XXXX XXXX XXXX in the past and made an educated guess. Thats just my assumption. No real proof. However, the frequency and time I use suggest fraud as, when I do use the card it is not that frequent and not in those amounts. I would be more than willing to press criminal charges if thats what it takes to get my XXXX However the outright denial and holding me responsible for a crime that has been committed against me is unacceptable