23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft and I never opened this account. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Debt collection

I am filing a complaint regarding a collection account reported by LVNV Funding LLC under the Account Number : XXXX. The collection account continues to appear on my credit report, and I believe this account is inaccurate or outdated. 

I dispute the accuracy of the collection account because I am not liable for the amount of {$640.00}. I have no responsibility for this debt, and the reported amount is incorrect. The debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act : The collections and companies have violated my rights : XX/XX/XXXX : Account # : XXXXXX/XX/XXXXXXXX,XX/XX/XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw an account from XXXX XXXX for {$650.00}, original creditor is City of XXXX XXXX. XXXX XXXX reviewed and investigated the complaint. Someone named XXXX XXXX replied and I sent him an email at XXXX. I paid the original creditor and expect this account to be deleted from my report.
Product: Payday loan, title loan, or personal loan

try to link debit card to bank account
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Letter to remove Inaccurate Credit Information {$1700.00} Dear, XXXX : I'm herby requesting that you confirm the fact that I owe this debt from Transworld Systems as required by any applicable state and federal law. 

By the provisions of the reporting act ( FCRA ) remove from my credit report Section 609. Please remove any information that creditor can not verify 30 days receipt. 


Sincerely yours XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Collections : 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 XXXXXXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX Employer : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX Inquiries : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I just want to convey my displeasure with some things going on with my checking account at Commerce Bank. I deposited a check on XX/XX/19 for {$840.00} and had planned to pay some pretty urgent bills with it, only to get told after I deposited it that there was some kind of hold placed on my account that wouldnt allow me access to the funds for 7 business days, which actually would be roughly 2 weeks because of how the days fall on the calendar. I didnt understand that and was not aware of this banks policy on that kind of stuff, so the clerk that helped me said shed talk to her manager to see about getting that hold lifted. A few minutes later, she called and said that wasnt possible because Ive had too many overdrafts in the past. 

I totally understand if thats this banks policy, but I was not warned about this and I recently deposited a check the previous week and was not told about this. This makes it EXTREMELY tough for me to avoid future overdrafts because my funds are being kept from me to be able to pay some bills on time. I have to imagine SOMEONE there sees how counterproductive that is to customers, like me, who have had some financial struggles and are trying to make sure they dont happen again in the future. It is not fun to pay {$37.00} extra dollars in fees to overdraft and its only hurting me, so to not allow me to have access to money made out to me to keep overdrafts from happening makes absolutely no sense. Had I had some kind of warning about that in the past, I couldve tried my best to fix that issue, but today is the first of me hearing of that. 

I then called and spoke to an assistant branch manager, since the actual ones were too busy to deal with their customers urgent needs, and asked if I could have some kind of letter sent to me that explains these policies so I could better understand them and make sure they didnt happen in the future and she said no, that was not possible. The refusal to provide customers with important information that helps them stay financially responsible is just wrong and shows that the bank likely doesn't have an actual policy on placing holds on people 's accounts. They do so arbitrarily without taking the time to talk to customers and figure out the circumstances. 

Up until today, I had no problems with Commerce Bank and appreciated everything that had been done for me over the years. I have no idea how long Ive been an actual customer, but todays treatment definitely has me considering other banks. I dont ask for much, I dont ask for handouts, and I have never asked for special treatment, but I would think in these extenuating circumstances when Im trying to tidy up my financial issues so that I dont cost myself overdraft fees that someone at this bank would understand that, show some care, and help their customers. That was not the case today and its disappointing.
Product: Checking or savings account

I just attempted to access my Citibank accounts via the app on a new phone that was activated today ( XX/XX/XXXX ). So I put in my user ID and password. The next window tells me to : Call customer service at XXXX ( outside the XXXX call XXXX ) to retrieve your XXXX XXXX XXXX. I call the customer service for the code and ask why I am calling Citibank when I have put in all my information on the app correctly. I am told that the new cellphone provider-XXXX- put a " XXXX '' on my phone number. 
I ask him ( not nicely at all ) why is a cell service involved in Citibank app security. That makes no sense at all. He continues to insist that XXXX has put this block on my phone number and that Citibank has XXXX to do with it. I call XXXX and say again that makes no sense and this sounds like Citibank locking me out of my account on the app. I then ask if the XXXX XXXX  has anything to do with this? And get the response : I can't tell you that. He then ends up saying that he can't provide me with the XXXX XXXX XXXX today ( XX/XX/XXXX ) and I would have to wait until XX/XX/XXXX. 

I traveled oversees last year and used a XXXX cell service provider on a separate XXXX and had no problem accessing my information with a different banking app. I just checked the other banking app I have on my new phone on the new XXXX  network and no problems logging in. 

Citibank seems to think it is perfectly fine locking people out of the Citibank app for 3 days for a reason they won't disclose to their customers. It also looks like this has been going on for at least 2 years. 

I would like to know several things : XXXX ) Is this a XXXX XXXX requirement when switching cell service providers? 
XXXX ) Can a bank lock you out of the banking app for 3 days without explanation and deny you access to your accounts? 
XXXX ) If it is not a XXXX requirement then how does the XXXX XXXX allow Citibank to get away with this XXXX? I know it's not the cell service provider because I just logged into a different banking app without issues. 
XXXX ) What would have happened if I tried to access the money in my Citibank account overseas on an emergency basis in XXXX via my XXXX? Would I have been locked out of the my accounts? 

This is serious and needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reporting fraudulent and innacurate info that is in violation of FCRA regulations. Also, TransUnion had wasted on average of 2 hours per day, due to uneducated, incompetent, purposely installed customer service reps located in XXXX so that TransUnion creates an impossible process to dispute items. TransUnion should be ashamed of themselves but they obviously won't be because TransUnion goes out of it's way to XXXX the American consumer. They will have their day of reckoning with the department of Justice, along with XXXX. They need to change my report specifically the XXXX XXXX account. I have never been late, nor do I have a balance with XXXX XXXX. Also, they are not reporting my student loans accurately. They will make excuse that they rely on data from company that they receive kickbacks from, when in fact I have communication from respective company 's on my report that states they contacted TransUnion to change info but transunion did not comply. 

Social security number XXXX
Product: Payday loan, title loan, or personal loan

I am still working full-time, but now XXXX XXXX XXXXe, because I am very ill. I have an XXXX XXXX of some sort, my XXXX believes it is XXXX XXXX, but I also have XXXXXXXX XXXX in my brain, so I'm currently being ping-ponged between my XXXX and my XXXX to see if there is a connection between my symptoms, or if I'm having several chronic issues at once. 

To help with travel and medical bills, I took this loan. I didn't realize that it would be {$120.00} every two weeks. I mistakenly thought it would be every month, which is an amount I can absolutely pay and would be happy to. I just made the first payment ( which is automatically pulled, I can't cancel or modify anything from their website ), and I reached out to their customer service team and explained to them that I need to modify my payments for now. 

I'm currently a XXXX XXXX, so my goal is to simply pay off the loan in full next semester with a student refund, but they said refinancing or paying a different amount is not an option for my loan type! They have given me ZERO options to make any sort of modifications to my payment arrangement. I even explained that I would be happy to make {$60.00} payment with each paycheck ( I get paid twice a month ), but this wasn't acceptable. 

So I'm going to have to request that my bank put a stop to any of their charges, and this is going to damage my credit, all because they refuse to even consider working with me, and I plan to pay off my loan early anyway. I went and checked reviews of their site, I realized that customers have complained about the exact same thing, have reported them to all sorts of entities, including the CFPB, will tell the CFPB that they will work with the customer, only for the customer to call them and them to be laughed off the phone. So I am feeling extremely scammed, duped, and stuck at the moment.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A XXXX XXXX impersonating as a government official threats to serve me legal papwrwork has contacted myself, my siblings, mother and uncle regarding a debt. In the voicemail they advise to contact XXXX, I spoke to XXXX she refused to send me paperwork from original debt and I also advised her payment had been paid to another company regarding the same account number. I provided her with the phone number and name of the account manager for the company I paid the debt to and requested they make no further contact with me or my family. XXXX still continues to have XXXX XXXX leave concerning voicemails on relatives phone
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Response to Closure of Complaint Case # XXXX Regarding Discover Card Account Ending in XXXX Dear CFPB Case Review Team, I am writing to formally address the recent developments concerning my complaint against Discover Financial Services, under the CFPB Case # XXXX. I appreciate the efforts of the CFPB to mediate this issue ; however, there are several discrepancies and procedural concerns that require your immediate attention. 

1. Issue with Updated Dispute Status and Immediate Case Closure Upon review of my credit report on XX/XX/XXXX, I noticed that the dispute status was changed from " account disputed '' to " dispute resolved - reported by grantor. '' This update contradicts Discover 's statement in their communication dated XX/XX/XXXX, in which they assured, " We have reported the account to the credit bureau reporting agencies as? disputed? and will continue to report it as such unless you tell us to stop reporting it as disputed. '' - Argument : The change in dispute status is concerning as it contradicts Discover 's own statement and fails to provide transparency. Moreover, the case was closed without providing me with an opportunity to respond or present further evidence, which undermines the standard procedures of dispute resolution. 

2. Lack of Consideration for Unique Circumstances and Legal Obligations The Cardmember Agreement does not adequately address how unauthorized transactions by minors should be handled, and Discover 's rigid application of policy overlooks the unique context in which this late payment was reported. Under the Fair Credit Reporting Act ( FCRA ), creditors are obligated to ensure maximum possible accuracy in credit reporting. 

-Argument : The continued reporting of the late payment under these circumstances does not accurately reflect my credit behavior and violates FCRA requirements for fair and accurate reporting. 

3. Request for Re-evaluation and Reopening of Case I kindly request the CFPB to : - Reopen Case # XXXX to allow me to provide additional evidence and documentation supporting my request for the removal of the late payment from my credit report. 

- Investigate the Change in Dispute Status to determine if Discover Financial Services acted in compliance with both FCRA regulations and the assurance provided in their communication. 

Conclusion I remain committed to resolving this matter amicably and ensuring that all information reported on my credit profile is accurate and fair. The premature closure of the complaint and the inconsistency in Discover 's reporting require further investigation to uphold the integrity of the credit reporting process. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

You replied that the alleged transactions that you identified as late are verified. The following accounts are : XXXX  XXXX : Account # XXXX You have no proof that this alleged transaction was late. 15 U.S. Code 1666b -Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant to 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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.
Product: Credit reporting or other personal consumer reports

I RECENTLY DISCOVERED AN ACCOUNT ON MY CONSUMER REPORT THAT DOES NOT BELONGS TOME, I REQUESTED A SSA-89 FORM THAT SHOWS MY BARE SIGNATURE AND IT WAS NOT PROVIDED TOME. I AM ASKING THAT THIS ITEM BE DELETED FROM MY CONSUMER REPORT AS IT IS A DIRECTVIOLATION OF MY CONSUMER RIGHTS AND THE FCRA VIOLATED WHICH STATES COMPLETE ANDACCURACY AND SHOW WITHOUT A DOUBT THAT THE ALLEGE DEBT BELONGS TO ME, BECAUSE SAIDINFO HASN'T BEEN PROVIDED AND MY RIGHTS AS A CONSUMER WAS VIOLATED UNDER THE 15 US1681B I DEMAND REMOVAL ASAP OR I WILL BE FILING A LAWSUIT TO PURSUE FUTHER ACTIONS. THEACCOUNT IS XXXX XXXX XXXX PLEASE REMOVE ASAP
Product: Mortgage

I purchased a condominium unit in XX/XX/XXXX and satisfied all insurance requirements with the original lender. The property is in a flood zone and requires flood insurance, which is provided by the HOA since the structure houses multiple individually owned units. In XX/XX/XXXX, my loan was sold to Rushmore Servicing. In XX/XX/XXXX, Rushmore notified me that my flood insurance was insufficient and that I needed to provide them evidence of coverage. I provided the condominium complexes evidence of coverage provided by the HOA. Upon receipt of this evidence, Rushmore paid the entire condominium complex flood insurance out of my individual escrow account. I called Rushmore immediately on XX/XX/XXXX when I discovered this and they informed me that I had no options and there was nothing they could do and that they had to pay my flood insurance out of my escrow. However, XXXX XXXX XXXX  rules ( which I assume all lenders conform to ) state that for condo 's that HOA coverage is acceptable : https : XXXX. 

Because of this, my escrow account is now severely underfunded and my payment has gone up over {$600.00} and I'm in jeopardy of not being able to make my house payment. I have no idea where to turn so I'm hoping you can help.
Product: Student loan

I applied for PSLF ( public service loan forgiveness ) and my employer certification forms were received and processed by XXXX on XX/XX/23. 

I also consolidated some of my loans into Direct Loans during this time in order to have them qualify for PLSF and these were eventually transferred from Nelnet to XXXX. 

I have remaining Direct Loans with Nelnet that still has not transferred to XXXX. I called XXXX on XX/XX/23 and spoke to rep XXXX who had supervisor XXXX put in manual request for transfer. After waiting more than 3 months, I called both XXXX and Nelnet to find out the status of the transfer. XXXX rep said the request was sent, however, Nelnet said they have not received any notice from XXXX nor the Federal government. No one is able to give me an answer as to when my loans will be transferred over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working diligently for the past year to remove and clear files from my credit report. And I've worked hard. But now the issue is the fact that there are accounts that are closed and accounts removed but the Bureaus Experian, XXXX and XXXX have yet to remove these files from My credit report and update my credit report promptly. IT has been 3 months and no update and I would life for the bureaus to remove these files and all accounts showing closed and to update my credit profile promptly. 

THe following files need to be removed and credit report updated and I would like a copy of my credit report as well. 


XXXX XXXX Closed XXXX XXXXXXXX XXXX Closed XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX  XXXX XXXX/ XXXX : XXXX Closed XXXX XXXXXXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Closed XXXX XXXX XXXX XXXX / XXXX CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  / XXXX / XXXX CLOSED XXXX XXXX XXXX XXXX XXXX CLOSED XXXX XXXX/ XXXX XXXX CLOSED XXXX / XXXX XXXX XXXX