23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I graduated from XXXX College XXXX XX/XX/2004 I had Private Student loans through XXXX, now Navient. Since graduation, I have had BEYOND numerous problems with them. They have withdrawn monies from our bank account without authorization, changed scheduled payment dates/amounts without notice, failed to properly distrubute payments on account to correct loans, and have called us to collect payments earlier than scheduled to get a double payment for that month, then refused to return additional payments. They call my parents who are co-signors on my loans, up to 5 times a day trying to get additional payments, even when there is a automatic scheduled payment pending. I have made payment to account, only to find out 6 months later that they erroneously entered information and thus did not get payment from the bank, then charged me late fees for their error. They REFUSE to let you speak with any kind of supervisor above a manager and they do not return calls when promised. Any arrangements made with XXXX operator, will not be known by other operators from a different call center. It has gotten to a point when any dealings with them are completely unreliable!! My issue is all of the ones listed below on " Dealing with my lender or serivcer!! We have been told there is a penalty and or reported negatively to credit bureaus if loan is paid off early. We have been hung up on.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors. 
I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. 

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so that's violate my rights under The Privacy Act of XXXX XXXX I am sure the removal of my information from your website will ensure my privacy rights won't be violated again due to my lack of consent.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Starting in XX/XX/XXXX through XX/XX/XXXX, TransUnion Credit started taking XXXX from my debit account w XXXX XXXX XXXX  for surveillance of my bank account. Unauthorized. Search of XXXX showed they did this from XX/XX/XXXX through XX/XX/XXXX and were fined and placed in consent decree by CFPB TO STOP. They were fined XXXX $ million plus for defrauding consumers.I WENT TO XXXX and they canceled my account TransUnion took {$310.00} from my account and sometimes left me w no money. See XXXX  : XXXX Additionally on XXXX XXXX. XX/XX/XXXX they were complaints exactly like this in discussion. 
I believe TransUnion are violating their consent decree. I believe they are defrauding millions of consumers again.
Product: Mortgage

SPS is lying about me not being able to get a forbearance. I just spoke to XXXX from lost mitigation and she said that SPS is still offering forbearances because of the CARES act. She also said it doesnt matter whether I have a conventional loan or not.
Product: Debt collection

I signed a lease with XXXX XXXX at XXXX XXXX to start in XXXX 2012, but in XXXX 2012 I had a personal family emergency and could no longer leave home. Because of this I called the leasing office to see if I could break the lease anyway and we came to the conclusion that if I paid the first months rent then they would be able to put someone from the wait list into what was supposed to be my room. After I sent the money for the first month I did n't hear from the apartment complex until 6 months passed when I received a bill for {$3200.00}. When I called the apartment complex to look into the purpose of the bill they said there was no record of the agreement and said they would be sending the debt to collections. Which is when I began to be harassed by Southern Managment Systems and since then I have been threatened with a fraudulent claim, I upheld my side of the initial agreement.
Product: Debt collection

A representative from XXXX XXXX XXXX contacted XXXX relatives regarding an account in my name. 1. They contacted my daugther by phone, shared information with her about the account, and attempted to set up payment arrangements. 2. They also contacted my son-in-law about the same debt. During the phone call to my daughter 's husband, the representative shared information about the debt such as the asserted balance owed.
Product: Debt collection

Third complaint - Aargon continues to be non-responsive and obfuscating truth to pacify the XXXX. 

In response to complaint XXXX, Aargon stated over a month ago .... 

" Our office is contacting our client to obtain further information to respond to the consumer directly with to verify the debt, inquire about insurance and whether the account had previously been disputed. This information will be sent the consumer within 30 days or the account will be closed, deleted and returned to our client. " The unvalidated debt still remains on my credit report as of XX/XX/19 and absolutely no correspondence has been received. There is no debt validation. 

In addition, Aargon claimed to XXXX in writing that they sent me some letter on XX/XX/XXXX notifiying me of debt and rights, but it was never received and they refuse to send me a copy, in violation of the Fair Credit Reporting Act. 

The continue to knowinlgyl violation of the law and write obfuscating comments to the CFSB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX the Home Depot credit card XXXX initiated a hard credit check on my account without my authorization or knowledge. Ive been a card holder with them since XXXX. I called to ask them about it and I spoke with a supervisor named XXXX, her operator number XXXX. She denied that they did it? She told me XXXX did it? So I decided to call the next day and I spoke with XXXX another supervisor his operator number RAW XXXX. He told me that they did initiate it and then it was an accident because I never authorized it and then he was sending a letter to XXXX to have the hard inquiry retracted. I received a letter from XXXX XXXX cardmember services telling me that they can not locate where they did the hard inquiry, it shows on my XXXX XXXX and on my XXXX report that they did do it. This letter is asking me for my Social Security number and they want me to prove to them that they did it? I keep getting conflicting answers from the XXXX XXXX card? I dont know if its fraud on their part or not so I canceled my Home Depot card and I have put a freeze on my credit. I just want the hard inquiry removed since I never authorized it and I cant get a straight answer out of them at all and according to XXXX they need my permission to do this and they did not have it. XXXX XXXX XXXX XXXX keeps denying they ever did this all except for the XXXX person I spoke with, I included a picture of the letter that they said theyre denying knowing about it. Clearly they did it as you can see in the attachments of the inquiry on my report
Product: Debt collection

This is a complaint against XXXX / XXXX for repeated harassment on an identity theft scam that I've spent 1.5 years trying to resolve. XXXX has reduced my credit score by approximately 60 points on two occasions ( I resolved the matter once and then it was if they forgot about it and started collections again ). 

My identity was stolen and used to procure cable/internet service via XXXX. This occurred on or about the period of XXXX through the Fall of XXXX. The service was in XXXX, XXXX. I live in XXXX, XXXX ( 500+ miles away ). 

This one instance of fraud has been pursued twice against me by XXXX. Both times I've provided reasonable and complete information based on the documentation they asked for. The fact that XXXX 's own negligence handling the matter caused them to do this twice to me is core basis for the complaint. 

On the first occasion, in XX/XX/XXXX, XXXX XXXX ( XXXX ) debt collectors appeared on my credit report. After several phone calls with them, XXXX, and the credit bureaus, I learned the details of the fraud cable service provided to XXXX XXXX XXXX, XXXX, XXXX. In fact, through a simple Google search, I was able to develop a profile of who the fraudster may be. Further, it was immediately evident that this profile did not match me someone living 500 miles away. XXXX did none of this investigation. However, after I sorted through the call transfers at XXXX and provided information, the account and collection was removed from my credit reports. My credit score also reverted to it's original ( pre XXXX nonsense ) range. 

Then more than 6 months later, collection efforts for the same issue started again. 

In XXXX or XXXX of XXXX, the same XXXX, XXXX occurrence then was sent to a new collection agency, Diversified Consultants, Inc. ( DC ). I had discussions with XXXX and DC in or about XXXX and early XX/XX/XXXX to explain that XXXX had already pursued me and the matter had been resolved. These representatives had no record of this and I was advised to submit information again. On or about XX/XX/XXXX I mailed letters, information, documents, and an affidavit to DC and XXXX. A complete and sufficient package of evidence to again demonstrate I am the victim. I received a letter XX/XX/XXXX from XXXX stating it received an incomplete fraud package and then listed as missing the information that Id sent. On XX/XX/XXXX, I spoke to XXXX ( XXXX ID XXXX ) to find out what was missing and explain what I sent. XXXX complained that he had no information in my file that showed what I actually sent. He asked me to send everything again. I sent everything again on XX/XX/XXXX, plus another record of my address in XXXX XXXX. 

I've conducted more than 16 phone calls with XXXX, it's collectors, and the credit bureaus. My credit reports are and have been locked for a long time, with fraud notes on them. I've got zero confidence that XXXX will resolve this matter - a clear identity theft of {$300.00} has taken more than 35 hours of my time over 18 months. My credit score remains down 60 points with this collection on my record.
Product: Credit reporting or other personal consumer reports

My name Is XXXX XXXX XXXX and I am filing this complaint because of an Unauthorized/Fraudulent inquiry being furnished to my consumer report without my permissible purpose, which is a violation of the Fair Credit Reporting Act. No written instruction has been given to TransUnion to report this inquiry by XXXX XXXX on XX/XX/year> to my credit file. NO " Authorization or Permission '' was given by me ( XXXX XXXX XXXX ) to XXXX XXXX, to run a " Hard Inquiry '' of my credit file, for the purpose of " ANY '' business on the date of XX/XX/year>. After calling BOTH TransUnion and XXXX XXXX on the date of Inquiry and twice more each, In attempts to find resolution. I have filed an Identity Theft Affidavit with the Federal Trade Commission and have attached it to this complaint. DO NOT ADD A FRAUD ALERT TO MY CONSUMER REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened the account, XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX ( XXXX ), Opened XX/XX/2013. The account is attached the following address : XXXX XXXX XXXX, XXXX, AZ XXXX. I have never resided at this address. I have never lived in Arizona or even visited Arizona. This fraudulent credit account is detrimental to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX and Experian. Upon my further research, this account was transferred as Charged off i as a consumer is no longer by law responsible for this account after it has been transferred. 


In Accordance with the Fair act 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 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: Checking or savings account

It is unreasonable for Ally to message a notice stating that there has been a change to the Ally Bank Online Services Agreement and expect that a customer will scour a sixty page document every time there is a change looking for the changes among all the non-changed material. This practice makes it very difficult to know what has changed. A better practice would be to provide both a document detailing the most recent changes AND the full legal document. In that manner, those who are interested in reading the most recent document for hours can and those most interested in the changes can read the document in a few minutes. The practice of secreting the changes does not seem to be a consumer friendly practice and borders on being deceitful. If you do already provide the document upon request, why do you make it so that the consumer must request the document? Again, it seems as if you are placing more roadblocks in the consumer 's path. Simply send a link to both documents in the message that was sent so that we can click - this is a common practice by most large companies. Please be more forthcoming.
Product: Debt collection

I am getting suied by XXXX XXXX that bought the account they have not show proof they own this or a signed and they sent a bill of sale with no proof they bought my accounts it states accounts so how thst proof of whst they bought the affidavit they sent where say acc number is black out and is false signed the person the wrote it didn't even sign it has another name with out proof contract they own this should be false law suit and against the fdca them trying collect some thing proof they dont own
Product: Debt collection

I am a victim of identity theft. An identity theft used my personal information without my permission to apply a loan from the first national bank of Omaha, and theres monthly payment {$490.00} charged from bank since XX/XX/2021. The loan is not mine, I have enclose proof of my identity and a copy of my identity report. 
I discovered this XX/XX/2021 and report to XXXX  XXXX police department, case no XXXX and federal trade commission case XXXX and sent the report to the bank. 
the bank do not stop collect the loan that is not mine.
Product: Credit card

The XXXXXXXX stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Product: Vehicle loan or lease

Hello from XX/XX/XXXX - XX/XX/XXXX from XXXX until XXXX my consumer rights were violated when I visited XXXX of XXXX XXXX , not only did the sales person ( XXXX  XXXX ) make me wait XXXX hours to test drive a XXXX XXXX XXXX he also discriminated against me and said to me youre lucky im even working with you with the credit score you have ( he then stated my credit credit score aloud in front of the front desk attendant and 2 other customers and on to say ) Ive been doing this for XXXX  years I usually dont even deal with subprime credit like yours and this was said because I asked what was taking so long with getting the car from the back, to which I was not only offended, hurt and shocked but also aware of my ECOA rights which werent honored. I asked for the manager and the GM came to help me, he got my application for me and got me to a finance director who then gave me a loan approval and asked for {$4500.00} cash down. To which I objected and presented TILA and 15USC1605 to him and I got denied. He then asked me to use my girlfriends credit for the application on the car so I could possibly get better rates. In pursuant 15 USC 1602 The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Credit is my right and Im the one who regularly extends credit in the connection with loans. In pursuant to 15 usc1602 g I am the original creditor and I am well aware of my rights I know that reporting to the consumer reporting agencies is voluntary this is a private transaction and an unfavorable situation to me for the consumer nowhere in the term adverse action defined within the FCRA does it mention a natural person can be denied credit. As a original creditor it is not lawful to be denied my right to grant credit furthermore my credit was used and I received no benefit from the use of my credit. An inquiry popped up on my consumer report which means someone got paid for my credit and I received no benefit from it at all in fact damages were done from the denial of my rights mentally and financially. Ive been discriminated against as there are no federal laws that state a credit score can deny me of my right to extend credit I have in good faith exercised my right and I a natural person have been discriminated against as in pursuant 15 USC 1691.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter by certified mail to XXXXXX/XX/XXXX XX/XX/XXXX regarding an account on my credit reports from XX/XX/XXXX, TransUnion, and XX/XX/XXXX, claiming that I owed XXXX money on an account that has been closed and written off since XX/XX/XXXX XX/XX/XXXX. I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I have proof of delivery of my letter to XXXX on XX/XX/XXXX at XXXX. XXXX is required by law to respond to my dispute within 30 days of receipt. On XX/XX/XXXX, 31 days from the day XXXX received my letter, I had not received a response from them. On XX/XX/XXXX, I sent another letter by certified mail to XXXX, giving them another goodwill attempt to respond to my dispute regarding the claim on my credit reports that I owed them money. I have proof of delivery of my 2nd letter to XXXX on XX/XX/XXXX at XXXX. As of XX/XX/XXXX, which is 31 days from the day XXXX received my letter, I still did not receive a response from them. This is two times that I have contacted XXXX and they have failed to provide me with any proof or validation that the debt they claim I owe is valid. There has been no data reported to any of the three main credit agencies from XXXX regarding this account they claim I owe money on since XXXX,XX/XX/XXXX. Since I have sent them two letters of dispute, XXXX has now reported to all three credit agencies on XX/XX/XXXX that I am 30 Days Past Due Payment. This has made my credit score drop at least 8 points. Not only have they not been reporting any data for 2 and a half years, but they also did not reply to either of my disputes, nor did they send me a bill in the mail. XXXX has my current address because it was listed on both letters I sent. Along with reporting that I am 30 Days Past Due Payment, there is also a comment on both XX/XX/XXXX and TransUnion credit reports from XXXX that Completed investigation of FCRA dispute consumer disagrees. The disputes can not be complete when XXXX never replied to them. This company never furnished any proof or validation that I owe this debt they claim I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I was only XXXX years old and applied for a credit card had my info stated & social security was issued the credit card and right there was the problem.. i should've never been issued one considering the laws state you need to be 18 and older. They apparently will give anyone a credit card and don't check their info. 
it's stated as one paid account and one chargeback account. i disputed several times to have those accounts removed considering I was a minor and still was a minor so i was told not to touch the credit cards and that my father will handle it for me since I'm only XXXX i didn't have the maturity or knowledge to own one yet. 
but this has set me back and I need something done about it. 

i have submitted my proof of age to capital one and XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I have requested a copy of my Experian Credit Report online but was not provided access to a copy of my report for review. As I worked through the site trying to find a copy of my report I was kicked out and unable to log back into the sight. No alternative options were provided for me to access my report without me first submitting a credit card to be charged. 

Thank you!