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

Under the Fair Crediting Act this Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my RIGHTS. Under 15 U.S Code 1681 Section 602 states " I have the right to privacy '' also under 15 U.S. Code 1681 section 604a Section 2 states " a consumer reporting agency can not furnish an account without my written instructions. ''
Product: Consumer Loan

I originally took a loan from Santander on XXXX XXXX, 2012 in the amount of {$29000.00}. The loan was for 6 years ( 72 months ) at {$790.00} per month. To date I have made a total of XXXX payments, which totals {$24000.00}, and only {$4100.00} has been applied to the principal. With all the payments that I have made {$20000.00} has been take for interest and only {$4100.00} applied to principal. At this rate I will be paying this loan for another 20 years before it would be payoff. 
I spoke to a Santander agent to get some clarity on why so little of my payments where being applied to the principle, the answer I was given was that is how Santander calculates there payments. There is something unfair about the why payments are being calculated. A great example of this is my payments for XX/XX/XXXX and XX/XX/XXXX of this year, both payments were made on time, but my entire payment for XX/XX/XXXX, {$790.00}, was applied only to interest nothing went to the principle. How is that possible? This can not be fair practice, if payments are being made on time and nothing is going towards the principle of the loan, something is wrong. 
I have made 31 of the 72 payments of this loan which is % XXXX of the total loan payments agreed upon, yet I have % XXXX ( {$25000.00} ) of the principle left to pay. There is a great injustice in this. 
I would like Santander to correct this account ( XXXX ) so that the principal remaining reflect that 31 payments of {$24000.00} has been made.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX, XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX, XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX  Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX  Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXXXXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXXXXXX XXXX XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX Account XXXX FDCPA Section XXXX Violation Misleading False Reporting - DELETE! 

XXXX XXXX Account XXXX FDCPA Section 807 Violation Misleading False Reporting - DELETE! 

XXXX XXXX XXXX XXXX  Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

XXXX XXXX XXXX  XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

XXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

XXXX XXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

XXXX XXXX XXXX XXXX Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks. 

XXXX XXXX XXXX XXXX  Account XXXX Please send me the docs that prove that I was ever late. If you can't prove that you had proof, you need to remove these late remarks.
Product: Credit card or prepaid card

XX/XX/2018 I WAS REPORTED LATE - WITH DISCOVER CARD - I WAS NOT LATE - THERE SYSTEM DID NOT ALLOW ME TO PAY ONLY ONE PAYMENT METHOD BY CHECKING ACCOUNT - I DO NOT HAVE A CHECKING ACCOUNT AND THEN THEY SENT ME AN EMAIL TO SIGN UP FOR A LOWER PAYMENT AND SPREAD IT OVER 3 OR 4 MONTHS AND FIRST PAYMENT HAD TO BE MADE BY XX/XX/XXXX I TRIED TO DO THAT AND WOULD NOT ALLOW ME TO PICK THE DATE 0 THE SAME DAY I FINALLY GET A REP THEY REPORTED - THIS IS NOT VALID REPORTIING - THEY STATED THT MY CYCLE REPORTED ON XX/XX/XXXX AND I ATTEMPTED SEVERAL TIMES TO MAKE A PAYMENT THE EMAIL WAS SENT XX/XX/XXXX I TRIED TO MAKE A PAYMENT ON THAT DATE ACTUALLY THE WEEK BEFORE, SO IF THEY TRACK EVERY TIIME WE LOG INTO OUR ACCOUNTS THEY NEED TO PULL THAT INFORMATION AS WELL AS THE PHONE CALLS OF ME ASKING OTHER FORMS OF PAYMENT AND NO ONE EVERY GIVING ME ANY OTHER FORMS BESIDES. THIS N IS NOT MY FAULT I WAS NOT LATE - I WAS ABLE TO MAKE PAYMENT PRIOR TO XX/XX/XXXX AND WAS NOT ABLE TO DO TO THE SYSTEM - ERROR - I CONTACTED DISCOVER CARD THEY STATED THAT THEY CAN NOT REMOVE THE LATE UNLESS IT WAS THERE FAULT - WHEN I TRIED TO DO THIS PRIOR TO AND WASNT ABLE TO DO THE PAYMENT DUE TO SYSTEM ERROR THAT IS THERE FAULT NOT MINE - I TRIED TO FULFILL MY OBLIGATIONS - AND YET I AM BE PENALIZED FOR THERE SYSTEM ERROR, WHICH IS NOT FAIR I TRIED EVERYDAY THE WEEK OF THE XXXX - TO PUT THE INFO IN AND DID NOT TAKE IT, I WOULD LIKE ALL CALLS PULLED ON WHEN I ASKED FOR OTHER FORMS OF PAYMENTS AND WAS TOLD THAT I HAD TO SIGN ON LINE OR THEY CAN DO IT OVER THE PHONE. TODAY XXXX   THE REP - SAID OH YOU CAN MAKE A PAYMENT THRU XXXX XXXX - I HAVE NEVER BEEN LATE AT ALL ON THIS ACCOUNT SINCE I HAD IT - I HAD ONE ISSUE WITH MY PREPAID ACCOUNT AND THEY DO NOT ACCENT THAT ACCOUNT AND THAT IS IT. DISCOVER CARD CLEARLY CAN ASSIST BECAUSE IT WASNT MY FAULT WHEN I TRIED TO DO HAS THEY ASKED,. THE SUPERVISOR EXPLAIN THT HE CAN FLAG MY ACCOUNT FOR DISPUTE - THAT IS, - THIS IS DEFINITELY UNJUST AND EFFECTING ME TREMENDOUSLY. MY CREDIT SCORE AS DROPPED TREMENDOUSLY I WAS UPDATE DXX/XX/XXXX ON XXXX MEAN WHILE THAT DAY I FINALLY WAS ABLE TO GET SOME ONE, WHO DID NOT SET ME UP FOR WHAT DISCOVER CARD EMAILED ME - BUT FOR A REGULAR PAYMENT AND STTD THT IT WONT UPDATED AGAIN UNTIL AFTER THE XXXX - THIS IS A COMPLAINT THAT NEEDS TO BE LOOK UPON BECUASE IF I TRIED TO MAKE THE
Product: Bank account or service

Bank of America is refusing to give me any assistance. I have contact them multiple times and each time they deny any request for me to go on a payment plan of any sort. I have requested multiple time and each time the bank denies me and claims I can afford my payment even though I have gone over the information with them multiple times. I had medical bills in XX/XX/XXXX/XX/XX/XXXX that are in a personal statement on my credit report. They deny me every time even though they do not have a full copy of my credit report and they can not see my medical bills. They do not request exact information they ask you to estimate and they do n't request documentation.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft, and I have noticed several fraudulent accounts and inquiries listed on my credit report. I request that you block and delete these accounts and inquiries from my credit report, pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The fraudulent accounts and inquiries that I need blocked and deleted are as follows : Accounts : 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
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on ASPEN NATIONAL COLLECTIO. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

Central Financial Control AKA Syndicated Office Systems has been attempting to collect a debt that was paid or should have been paid by insurance ( XXXX ) had XXXX ( ORIGINAL CREDITOR ) billed insurance accurately. I had 100 PER CENT coverage for XXXX at XXXX. 
Instead I am harmed credit wise by the collector for designation and publication of this debt..
Product: Credit card or prepaid card

I log in beginning of this month and I see an offer so I Upgrade and start moving some spend to make sure to hit the free night reward, a week later I recieve an email with the same targeted offer XXXX hilton points for the surpass, So I call help desk and they say they don't see my original web offer applied, agent tells me since I have i valid email offer and its only been a week they can just rollback my initial upgrade and I can just accept the email after a day or so to get my upgrade offer as planned after a few days the targeted email offer is not working, I call in and at first they say offers come and go but when I point out that the targeted email says valid till XXXX, the agent opens a case, on XX/XX/XXXX I call in and the agent reads from case that they will honor the upgrade offer, all I have to do is submit proof of the email and valid code, I get the docs request email, upload screenshots and am told that I will recieve a call back in a few days and as long everything is as detailed I will recieve my upgrade offer sonce i recieve no follow since the XXXX, on XX/XX/XXXX I call in and ask about my case and the agent reads off the notes that my case was actually closed as of the XXXX somehow before my last contact with Amex, with the offers team saying they are not responsible for ensuring offered promos are valid, worse yet the agent sees no notes regarding what the last agent went over or the documents submission request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Citibank AAdvantage XXXX. This is my oldest credit card account ( XXXX years ) and is a major positive contributor to my credit rating since I have a perfect payment record. 

For some years, this card has not reported properly to XXXX and does not show up on my XXXX credit report, although it reports properly to both XXXX and XXXX. 

XXXX claims that the problem is on the Citibank end. I have contact Citibank 's Credit Dispute Unit multiple times by letter ( in XXXX, XXXX, and XXXX of 2021 ). Each time I get a form letter back saying that they have " requested that the consumer reporting agencies begin to report this account ''. They take the same action each time, even though my letters clearly state that this has not worked and the issue needs escalation. 

There is no apparent way to escalate this issue, since Citibank 's customer service simply states that all credit dispute requests must be put in writing, and Citibank 's XXXX support states that the Credit Dispute Unit is an " offline organization '' and does not engage with their normal support channels. 

My belief is that this is a simple technical glitch that could be resolved quickly, but there is no way to escalate it for resolution between the XXXX entities ( Citibank and XXXX ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I called XXXX XXXX ( XXXX ) which is administered by Wells Fargo Bank about increasing my credit limit. During my call with the representative, I expressly noted that I did not want my credit pulled. The representative confirmed that my credit would not be pulled without my consent. My credit was pulled afterward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my report. Equifax,  XXXX  did not do a proper investigation or provide me with any validation
Product: Vehicle loan or lease

I am the husband to XXXX XXXX ( deceased XX/XX/XXXX ). I have faxed HSBC on ( XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and sent registered mail on XX/XX/XXXX ( received by XXXX XXXX ) requesting title for XXXX XXXX XXXX. I am a XXXX veteran and losing my wife of 40 years it tough and I really need your help. HSBC has refused to acknowledging receipt of any faxes, letters or calls, NOT ONE FORM OF COMMUNICATION AT ALL. HSBC XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CA. XXXX PLEASE HELP
Product: Debt collection

Collection account from LVNV FUNDING with account # XXXX and a balance of {$690.00}. The original creditor is XXXX XXXX XXXX XXXX. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX and XXXX failed to perform an investigation and delete the disputed information.
Product: Debt collection

They call from a number with no id then I say hello and nothing happens but silence then they hang up when call back it says not in service when I searched the number nothing comes up today it actually said halsted financial services but same thing happened I said good morning and then there was silence and then the phone disconnected when I searched up Halstead financial services and got their website I called the one 800 number and a woman answered and said someone elses name to me and I said no and asked them to stop calling me and she asked me again if I was sure I didnt know the person they asked for I said you called yesterday and it was silent and then you disconnected and then you called again today in silence and disconnect and then answer when I called her one 800 number
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 with an account number XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX  account # : XXXXXXXX XXXX XXXX XXXX  account # : XXXX, XXXX XXXX account # : XXXXXXXX XXXX XXXX XXXX  account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX & XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX account # : 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.

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.
Product: Mortgage

My statements always appear in arrears, even when I pay electronically on the XXXX or the XXXX of each month. Make a comparison of when I pay versus the statement ; never been in arrears or late payment for this loan. However, the application or process time for Loan Depot to my account can take days or weeks to be executed. Each day and each time my payments are not applied as expected, the load incurs additional interest. 
Each statement I receive displays the account is behind. 
There is also a 15-day grace period on this loan. This has never had to use it except for a one-time exception when it was a Lender error. When that occurred, the Lender refused to apply for the payment until they resolved this issue internally, which took 15 days. I thought the servicer ( Loan Depot ) typically must credit a payment to your account the day they get it. That way, you don't owe extra fees, and the amount doesn't look late to the Lender. Late payments show up on your credit report and may affect your ability to get credit in the future. However, Loan Depot appears to engage in an old practice trick I used to see back when I was in banking- holding funds. This is probably not just done for my account alone ; I suspect this practice is done on many undeserving applicants. Some lenders use it to make money via additional interest and late fees, which is VERY illegal and unethical. A lender is not legally permitted to delay cashing a payment to charge a borrower late fees and interest.
Product: Credit reporting or other personal consumer reports

formally dispute the accuracy of the information being reported on my consumer report regarding an account with XXXX XXXX XXXX XXXX XXXX XXXX Specifically , I am requesting verification of the original instrument of indebtedness associated with this account, as required under 12 U.S.C. 83, which states that no national bank shall make a loan or discount on the security of the shares of its own capital stock. 

Under 12 U.S.C. 83, financial institutions are prohibited from securing loans or discounts using their own capital stock as collateral. Therefore, I am requesting the Consumer Reporting Agency to ask XXXXXXXX XXXX XXXX XXXX XXXX XXXX to provide Proof of the Original Instrument of Indebtedness that supports the validity and accuracy of the debt being reported. 

I request that the Consumer Reporting Agency take the following steps to resolve this dispute : 1.Verification of Debt : Please request the financial institution to provide valid and legally enforceable documentation, including the Original Instrument of Indebtedness, to confirm that the reported account was not issued in violation of 12 U.S.C. 83.

2. Removal of Inaccurate Information : If the financial institution is unable to provide sufficient proof of the original debt instrument, I request the immediate removal of the account from my consumer report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to ensure the accuracy and fairness of the information reported.

3. Provision of Supporting Documents : Additionally, I request copies of all supporting documentation used to verify the accuracy of the account information, including any loan agreements, contracts, or financial instruments that prove compliance with 12 U.S.C. 83. 

Compliance with FCRA : As you are aware, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy in the information contained in consumer reports. Without proof of the original debt instrument, the reporting of this account is both inaccurate and incomplete, in violation of the FCRAs accuracy requirements. 

Please confirm receipt of this letter and provide me with a detailed response regarding the steps that will be taken to verify the disputed account information. I expect a prompt investigation and resolution in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 6 points with one hard inquiry from XXXX XXXX on XX/XX/2020, yet over the course of 3 years, when my balances have decreased, been paid off, or were less than 30 percent, my credit increased by a maximum of 4 pts. And when my balances increased or I received an inquiry, my credit score was deduced by a maximum of 6 points. In addition, my debt to income ratio is phenomenal. Again, there is a direct correlation of the lack of proper credit score tabulation in relation to my ethnicity as an XXXX. And I am noticing a clear line of discrimination as it relates to my credit. No matter how hard I work or maintain or earn credit or pay things off, my credit stays in predominantly stagnated state of 680 range, which is a discriminatory practice on the part of TransUnion and its affiliates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit. 



1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

Hi, I opened a new XXXX XXXX XXXXXXXX credit card in XX/XX/2022 and made my first purchase. As part of my purchase I received {$380.00} rewards in my 1st statement. 
I went to the XXXX XXXX  XXXX store in XX/XX/2022 and made a purchase of {$220.00} by using my rewards. The day after I checked my rewards balance it was showing as XXXX XXXX balance. I called customer service as I thought that it was a system error. They told me that rewards have to be used in one transaction and if I do not use it in one transaction, remaining balance is deleted. This was never communicated to me clearly neither I was applying to card in XX/XX/2022 or the day I was making a purchase in the store by using my rewards in XXXX. The sales clerk should have at least warned me about this. 
They told me that it is stated in terms and conditions. This has to be written as big as possible so customer can aware about this or at least store employees should inform customers about this. This is not fair! It is like a Scam! 
If I would have know this, I would not apply to this credit card. It is clearly a fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became a customer with XXXX XXXX XXXX on XX/XX/XXXX when my mortgage for property was transitioned from my previous mortgage servicer tocompany, XXXX. I I have one late payment on the above referenced account for XXXX of XXXX. This late payment is being incorrectly reported and is also within the 60 day period where the mortgaging servicer is not allowed to report negative information during the time of transition under section1681a of title 15 Incorrect information may have been also transmitted from my previous servicer to to the new one causing me not to receive notifications. I have spoken to customer service representatives to discuss the issue and have our email address and mailing address corrected the system, Customer Service agent named XXXX informed me that she does not show that my account is reporting negative info to the credit agencies in XXXX system but my credit report shows a late payment. She gave me reference number XXXX for our call. Since the company stated my payments with XXXX would begin on XX/XX/XXXX and reported a late payment for XX/XX/XXXX, this should fall within that grace period by law.