23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have submitted several price protection claims with Discover that haven't been looked at, even after 2 months. When I submitted the claims I got an email saying the claim would be reviewed within 10-14 days. Normally this process has taken 7-10 days. I submitted a claim on XX/XX/XXXX, and it is still in processing and has not been looked at. I have called the claims dept several times ( the number in the email ), and each time they tell me they will look at it within 120 days, not 7-10 days in the email. Every time I have asked for a supervisor or someone in claims they refuse to transfer me. They tell me to call Discover.

I've called Discover twice and messaged them twice, and they won't do anything. 

I am worried because so much time has elapsed since I originally submitted my claims that they will be denied because they can't verify the lower price. Many of the claims I submitted were a weekly sale, and there's no way you can verify a sale price 2 months after the fact. 

I am also worried that I will be unable to return these items if my claims are denied, because most retailers only allow 30-90 days to return an item, and Discover is telling me I have to wait 120 days before they will ever look at a claim. This sounds illegal. You can't change the terms and conditions of a claim AFTER a claim has been submitted.

I will attach the original email I got from Discover saying my claim would be reviewed within 7-10 days, back on XX/XX/XXXX. 

These are my Discover price protection claims, along with date submitted, that haven't been looked at as of today : XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XXXX - submitted XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After communicating via mail and phone call on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I am now filing this complaint. Assist me in correcting my credit file which has several wrong account and personal information. XXXX XXXX XXXX is listed 3 separate times on my file and hinders me from taking care of my family. XXXX XXXX XXXX is a company that is obviously made up because I have not heard of them ever. XXXX XXXX XXXX which I know is a collections company has listed on my report 2 times. They knowingly are attempting to collect on a debt that is not mine. XXXX to whom has duplicated a account that is NOT mine. XXXX XXXX I have never given them any information about me and I should not have a account. Every communication with XXXX, Transunion, and XXXX about these issues they send out a letter about validation. Under 15 USC 1681a ( XXXX ) it clearly states that in order for the credit reporting agencies to verify anything they must conduct interviews with my neighbors, friends, or associates that have knowledge of me and accounts. I know none of this has been done and even my family and friends know I handle my business.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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
Product: Student loan

Please forgive me if I mix up servicer and owner of my loans. Its not always clear what is actually going on and I think that is the point of it. 

On XX/XX/XXXX I was accepted a loan modification offered by loan science on my private student loan consolidation serviced by ACS education. There was a principle reduction and an interest rate reduction to 0 % in the loan modification. The principle reduction was honored which was great, however there has been no movement of the interest rate. 

I first reported this to the CFPB on XX/XX/XXXX that the interest rate had not been changed. The complaint number for the original complaint was XXXX. On XX/XX/XXXX loan science replied that the suggested changes ( interest rate 0 % ) had been made to my account. I waited several weeks to see the changes and they never happened. On XX/XX/XXXX I  provided feedback that the interest rate had not been changed. However, my complaint was still closed. 

What actually happened is that XXXX XXXX sold my loan to XXXX after my complaint without changing the interest rate. That sounds like a crime to me. 

Today I learned that my loan will be switching servicers to XXXX XXXX on XX/XX/XXXX. It was also noted in this document that XXXX will " create a new account number '' for my loan. I assume this is some sort of move to try to distance my loan from my loan modification documentation to further avoid honoring it. Its time to get this sorted out and to quit playing musical chairs with my loan to avoid the loan modification that was offered and accepted. 

The current lender listed on the XXXX website is XXXX XXXX XXXX XXXX and the gaurantor is XXXX XXXX XXXX. This information itself is out of date and probably illegally so since this information has been wrong for over a year. 

I believe that ACS, XXXX, XXXX XXXX, XXXX XXXX XXXXs and XXXX should be contacted and the responsible party should then act.
Product: Student loan

I recently called Navient, my private loan lender. I told them that at this time I make about {$300.00} less than what I need to make to cover all my other living expenses. I told them I have proof if need be. The woman I spoke to added all my current bills, added them up and told me the best she could do is {$200.00} a month. If I pay this I will have to sacrifice something I actually need, like gas money, my phone or food. I have no family to help me and I do n't live some extravagant lifestyle. I told her I could pay her {$100.00} now because I just got my taxes back and I could try to do so every month until my circumstances got better. I have been looking for both part time evening work and other substantial gainful employment since I graduated in XX/XX/2014, but I have had no offers. I have proof of how many applications I have sent as well. She told me that it would n't matter and that my account would still go delinquent and eventually get " charged off ''. I am trying, I ca n't do much more than what I am to get better money to pay these bills. I want to pay something but it does n't seem to matter and I 'd basically be wasting my money anyway. What should I do?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX, Texas XXXX Phone : XXXX Email : XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Reinserted Account on My Credit Report To whom it may concern : I am writing to formally dispute a reinserted account that has appeared on my credit report managed by Experian. This account had previously been removed from my credit file, and its reinsertion without the proper notification and verification constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

According to the provisions of the FCRA, if a previously deleted account is reinserted into a consumer 's credit report, the consumer reporting agency must : Notify the consumer in writing within five business days of the reinsertion of the account. 

Provide verification that the account has been reinserted with accurate and complete information from the furnisher of the account. 

I respectfully request that Experian : XXXX a thorough reinvestigation of the reinserted account to ensure that it meets the verification and accuracy requirements mandated by federal law. 

Provide written documentation of the reinsertion process and the verification steps taken. 

Remove the reinserted account from my credit report if it can not be verified as accurate and complete. 

Attached to this letter, you will find a copy of my government-issued identification and proof of address to assist in the verification process. 

Thank you for your prompt attention to this matter. I trust that Experian will handle this dispute in compliance with the FCRA and ensure that my credit report remains accurate and fair. 

Sincerely, XXXX XXXX XXXX XXXX Applicable Law : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Reinsertion of Previously Deleted Information ) Under this section of the Fair Credit Reporting Act, if a consumer reporting agency reinserts previously deleted information into a consumer 's credit report, the agency must : Notify the consumer within five business days of the reinsertion. 

Provide the consumer with the name, address, and phone number of the furnisher of the information. 

Ensure that the information has been verified as accurate before it is reinserted. 

Failure to comply with these requirements constitutes a violation of the FCRA and entitles the consumer to dispute the reinsertion and seek appropriate remedies.
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. 


Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.
Product: Debt collection

Credit collection services has an account that is not mine, that i did not owe and that i did not have a signed contract with.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account : Acceptance now XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX Enclosures : Identity theft report Proof of identity Copy of Credit Report Fair Credit reporting Act
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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/year>
Product: Credit reporting, credit repair services, 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 Account : Account : XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C 1681 Section 602 A. States I have rights 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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I set up an Electronic Payment to occur on XX/XX/18 for my regular amount of {$1500.00} plus an additional {$8000.00} of principal. The whole {$9500.00} came out of my bank and was credited on XX/XX/18. However, they DID NOT apply the {$8000.00} to paydown of principal. They applied it to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regular payments, costing me an extra {$1500.00} of interest. 

This is the 7th time that DiTech has erred/refused/failed to apply a prepayment of principal to my principal balance within the past year. They are downright fraudulent! I call and call and call before getting them to correct their error/fraud. 

That's stealing. If I did that, I would be in jail.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. I would like to bring to your attention that my information was used while I was XXXX. I see accounts on my report that I did not authorize at all. Please see attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incorrectly a past due amount of {$1700.00} on the XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid-in-full and needs to report a {$0.00} balance. Attached are the Order of Dismissal and Settlement documents proving this account has been paid-in-full. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was turned down by XXXX XXXX XXXX and Equifax information was the reason. 

When I went online to pull my credit, Equifax would only show me an XX/XX/2021 and would not give me a current one. 

The telephone representative said she could not get me a current report and did not know what she was doing. 

Have them email it to me at XXXX XXXX
Product: Bank account or service

I opened an account with Citi bank with {$15000.00} for their promotional {$400.00} bonus. Their stipulation is I have to deposit and keep that amount in the account for 30 days. Then I needed to keep at least {$10000.00} in account for another 60 days. It has been over 120 days and I still do not see the {$400.00} bonus. I online chatted with their service rep two times. One rep said I should get it by XX/XX/2017 and another said by XX/XX/2017. I send this complaint because I do not think they will ever give me the money because their reps are not consistent with the days. I suspect they are just giving me the go-around with no definite answers.
Product: Credit reporting or other personal consumer reports

I reviewed my credit and noticed fraudulent activity on my report. Please remove all fraudulent activity as it is hurting my ability to obtain credit. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request to Investigate and Correct Inaccuracies in My Consumer Reports Dear Sir/Madam, Upon conducting a meticulous examination of my consumer reports, I have uncovered disconcerting inaccuracies concerning reported " late payments '' on specific accounts, including XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX. To the best of my knowledge and recollection, I have consistently made on-time payments on these accounts. The inclusion of these inaccuracies not only undermines my creditworthiness but also raises serious concerns regarding the violation of my rights under the Fair Credit Reporting Act ( FCRA ) and various other legal provisions, including 15 U.S. Code 1681 section 602 A, 15 U.S. Code 1681 section 604 A Section 2, 15 U.S. Code 1666b, 15 U.S Code 1605, 15 U.S. Code 6802, 15 U.S. Code 1681i ( 5 ), and 15 USC 6802B.

It is imperative to note that 15 U.S. Code 1681 section 602 A establishes my right to privacy, and 15 U.S. Code 1681 section 604 A Section 2 stipulates that a Consumer Reporting Agency can not furnish an account without my written instructions. These legal provisions serve as the foundation of my rights and expectations regarding the accurate reporting of my financial history. The inaccuracies on my credit report, therefore, represent a violation of these rights. 

In accordance with the FCRA and the various codes I have referenced, I must also bring to your attention that a mailed check of {$1000.00} per violation is to be issued to me as per USC and CFPB codes. Each inaccuracy on my credit report constitutes a separate violation, and I expect remuneration accordingly. 

If you are unable to provide substantial evidence to support the reported late payments, I insist that you promptly correct my credit report to accurately reflect the true status of these accounts, which is " on time. '' To the best of my knowledge and records, I have never been late on these accounts, and these inaccuracies have the potential to significantly impact my financial well-being. 

After the completion of your investigations and necessary corrections, I kindly request that you send me an updated credit report to the address stated above, along with the checks for the violations. I deeply appreciate your prompt attention to this matter and anticipate the resolution and correction of my consumer reports without undue delay.
Product: Credit reporting

TransUnion has failed to provide requested information regarding a Bankruptcy # XXXX listed on my credit report. I requested verification on who reported this Bankruptcy and have not received the requested information to date. It has been more than 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent for credit report from all 3 major credit bureaus after receiving a notice from my auto insurance about my payment going up due to my credit report. I haven't purchased anything or applied for credit in years. Upon receipt of my credit reports I discovered that someone else has been obtaining credit cards, vehichles and apartments using my name. However on my credit reports, it listed more than one social security number which indeed wasn't mine, SEVERAL addresses in which not only have I never lived at, but also have never even been to, jobs that not only have I never worked at but also never heard of, my date of birth wrong and former names wrong. I have disputed open and closed accounts that were written off due to non payment to the credit bureaus as well as NUMEROUS inquiries for credit that I have NOT done nor even heard of most of them! I have filed police reports, been to my bank, went to my insurance agent, called some of the actual creditors, contacted Federal Trade Commission, contacted the XXXX XXXX XXXX XXXX who called me and told me to contact the Consumer Financial Protection Bureau, I still have to contact the Florida Division of Drivers License to put a flag on my drivers license. This whole ordeal has not only been stressful but time consuming with SEVERAL hours on the phone to creditors, banks, credit bureaus, etc. and emails, letters, and certified mail which is also costly. I just want to make sure I cover all of the bases in which I have been requested to do. I do believe by going through all of the proper channels and being diligent in getting this resolved and with my faith and trust in XXXX XXXX that this whole NIGHTMARE will be resolved. Any help or any assistance that your company or organization can offer will be greatly appreciated! I DO NOT have a bunch of credit cards I have not paid, I HAVE NOT lived in multiple places, I have lived at my current residence now for 17 YEARS!!! In that time, I have worked at one establisment which is no longer in business and I now am self employed and work from my home! In 17 years, I have applied for 2 vehichle loans and the last one was in 2007. I am not late on any of my current bills and haven't been in 17 years! I have 1 HOME and am making mortgage payments on it and I have 1 HUSBAND and is the only spouse that should be on my reports!!! I have 1 SOCIAL SECURITY number and in my name now and it hasn't changed for 17 years!!!! I just want all of my CORRECT information on my credit reports and for all of the other to be REMOVED!!! Sincerely,  XXXX XXXX XXXX
Product: Mortgage

I am trying to refinance my mortgage with a new lender. The documentation that they have provided me does not match payments made. I have asked for a copy of a forbearance plan with beginning and ending dates and I have asked for an updated payment plan after my deferment was signed. I need proof that we complied with all terms of the forbearance and deferment ( theyve given me verbal confirmation but tell me it doesnt exist in writing ). After numerous phone calls, I get transferred to voicemails and have never received one phone call back, I have emailed and called my loan manager ( no phone call or emails back ), Customer service responded to one email with a computer of my loan deferment but it didnt provide the info I needed and wasnt what I had requested. I sent a certified letter delivered and received on XX/XX/26. An agent confirmed they received the request and were working on gathering the info I needed but I never heard anything more.