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. 

Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or a 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: Credit reporting or other personal consumer reports

First of all, I am being targeted, and my life is being destroy from the inside out by unethical institutions, fraudsters and/or AWS hackers. On XX/XX/XXXX, I was illegally evicted by XXXX XXXX XXXX. I became homeless. Next, I am economically oppressed by XXXX XXXX and XXXX barely making money, and also, they steal money that I earned from working for them. XXXX XXXX snatches money out of my bank account illegally. So, I could not pay my credit card which I am guilty of not paying. I filled out my annual income base application for a my student loans to renew payment plan in XXXX of XXXX on the XXXX website. My application income base repayment was approved with a $ XXXXdollar monthly payment. Recently, I checked my XXXX XXXX account I noticed that Nelnet and XXXX XXXX XXXX has me 120 days late. I call Nelnet, a representative tell me I have {$0.00} payment until XXXX of XXXX. I asked them why they are reporting on my credit report. I requested they fix my account. Next, I call XXXX XXXX XXXX they tell me that I owe them because my bank statements from my job was not sufficient proof of information from them. However, my application was approved with {$0.00} dollar payment. I sent them income documents and ask them to correct my credit report. The automative system said I was in forbearance or deference. I speak to the rep she tells me that my payment is {$0.00} until XXXX. Then she tells me I do not see where we have reported to the credit agency. Now there is two late accounts showing on my credit report from XXXX XXXX and a Credit Service XXXX all in a short period of time. Also, my credit report says that I worked for XXXX XXXX which are all lies. Can someone please help me is that I do not deserve this and the blatant lies. I am living in a shelter trying to obtain housing. Additionally, XXXX XXXX XXXXXXXX XXXX is lying I have never been more than 30 days late. The balance should be under {$3000.00} because I just made a payment. Additionally, my payment is {$380.00} due on the XXXX of the month. They say I owe a {$1000.00} dollars and 43 days behind on my payment which is an awful lie. However, I got a text from them saying your payment is due for {$380.00}. I told them I would pay by the first. They report you know that means double payment and your payment is 43 days behind. LIE! Actually, that car originally costed {$12000.00} and I put {$6500.00} cash down and ended owing {$18000.00} XXXX XXXX  and the dealership stole my money and the car has been paid off, including unnecessary interest. Also, there is fraudulent activity on my XXXX account whereby someone tried to make a purchase from XXXX from my debit card. 

Please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND EQUIFAX ARE REPORTING Unknown, unauthorized, and Unrecognized, from XXXX XXXX XXXX opened a COMMERCIAL DEBT BUYER FIRM EVEN DURING MY MULTIPLE DISPUTES BEING AFFECTED BY COVID-19 DURING THE GLOBAL PANDEMIC HARDSHIP. THIS INACCURATE REPORTING HAS DESTROYED MY XREDIT HISTORY AND TANKED MY SCORE CAUSING IRREPARABLE DAMAGE. 
I do not have an account opened by XXXX XXXX XXXX IN XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX  Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX Debt Buyer XX/XX/XXXX Collection account. {$480.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$480.00} XX/XX/XXXX {$480.00} 0 %
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing issue of your failure to properly process the Metro 2 dispute letters I, XXXX XXXX, have submitted regarding the wrongful collections and inaccurate information on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ). 

As per FCRA Section 611, I request that you : Acknowledge the non-compliance with the FCRA and the improper dismissal of my Metro 2 dispute letters.

Immediately re-examine the disputed items on my credit report, removing any unverifiable or inaccurate information. 

Adhere to the Metro 2 format for processing disputes and ensure all letters are handled in accordance with industry standards.

Provide clear communication throughout the investigation, including updates on the status of my disputes and detailed explanations if any items are not corrected. 

Review internal processes to ensure future compliance with the FCRA, including staff training on proper dispute handling. 

Provide remediation for any harm caused by the inaccurate information on my credit report, including compensation if necessary. 

Allow independent monitoring of your practices to ensure future compliance. 

Ensure resolution within the legally required 30-day period and provide me with an updated credit report confirming the corrections.

Please resolve this matter promptly. Failure to comply with these requests may result in further legal action. 

Sincerely, XXXX XXXX
Product: Mortgage

I have a HELOC loan with Bethpage Federal Credit Union. I have an outstanding balance on this loan and i make regular interest payment. I have made all my payments on time. I have tried to make principal only payment but they have refused to process that payment. I am told by the bank that i have to make my regular interest payment first before they can accept a principal only payment. I schedule my interest payment to be processed on the due date. I am told that once the monthly statement of interest due is generated, i can not make a principal only payment until the interest payment is made first. There is only 2 days between the payment due date and next month 's statement generation. This means i can not make principal only payment for 28 days of the month if i have not paid the interest payment. This does not seem right. I would like some guidance on this and if this is a normal practice for banks to do.
Product: Credit reporting or other personal consumer reports

I contacted transunion on XXXX and informed them there was an account ( XXXX ) that does not belong to me on my report. It is affecting my personal life and needs to be removed asap. An operator by the name of XXXX who gave me a an ID number of XXXX told me it would be removed within XXXX hours. As a today XX/XX/23 it has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to access my XXXX report on XX/XX/XXXX I received a response that I was not in the system then I receive a post card mailer telling me they wanted all my identification., I accessed it through initiation of a dispute someone is accessing my report they had a phone number listed it had all numbers masked except the last 4 digits which were XXXX XXXX XXXX And as of today I accesses my report with no phone number listed and the inquiries on my report are fraud which I can not dispute because the link listed is no good XXXX I have my last report plus the one today and the hard inquiries as well as the soft have been the on going battle of disputing items for over 10 years with XXXX I have my reports that date back to XXXX to the present day, And XXXX report I can not ever access on line eve! r I have attempted by phone and www with no success the fraud forgery and aggressive ID theft is within these organizations .and my reports are dated back to XXXX when all the fraud began and Transunion has manipulated my reports by changing my report file in XXXX XXXX all three of this services are fraud deception in the violations of the practices that are on going.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

On XX/XX/year> I called MTBank to cancel my old home owners insurance, XXXX XXXX XXXXXXXX, after they were raising my premium from {$2800.00} to {$3800.00}. I then supplied a new policy and requested payment of the premium for XXXXXXXX XXXX of {$2400.00}. They acknowledged the new policy and the cancellation of my old policy. A few days later on XX/XX/year> I see that the premium is paid for my new insurance at XXXX. The next day on XX/XX/year> I also see that {$3800.00} was sent to the old insurance without my approval that which I had already cancelled. I then call my old insurance and they claim to have no active policy for me and let me know that they did not request payment. The old insurance suggests that I file a stop payent with XXXXhem as their refund process takes anywhere from 45 to 90 days which is a lot of time that I can not go without {$3800.00}. I then call my MTBank for them to file a stop payment and they let me know that they can not do that since the check was a for more than just my account and there is nothing they can do. Then I see that MTBank also takes an escrow advance from my account on {$2000.00} to cover some of the negative escrow balance. At this point I am extremely frustrated and call MTBank to ask for a credit on my account and to have them resolve the issue with XXXX XXXX XXXX as I specifically cancelled the policy in advanced and did not authorize this payment. That means that if I did not authorize it, they must have authorized it themselves in which case they should resolve. I have been calling them on a daily and nothing seems to work, every claim gets rejected. This is extremely shady and negligent. I have now overpaid almost {$4000.00} on my escrow due to a mistake on MTBanks end and have no way to recoup that money for 45-90 days at the best case. I am imploring MTBank to give me a credit and handle the situation themselves.
Product: Credit reporting or other personal consumer reports

Hello... .Iam a victim of identity theft recently going through personal where all my belongings has been took, along with my identication card, social security XXXX birth certicate and so much more i have contacted these companys multiple times letting them know what happened and even provided paperwork and proof ..still nothing has changed... fast foward to now with the hackers from the data breach using my information when does it stop iam still going through this stress of loss with no real help this pain has caused me alot of dark days...
Product: Credit card

I am trying to make multiple payments during the month, example every Friday pay XXXX as long as the minimum is met within XXXX  days, I should be able to schedule multiple payments online as many months as I want to, they don't allow it, its due date whole amount or nothing. I should be able to schedule payments like other cards etc as often or as in advance as I want. I should be able to go online and schedule future payments as often as I need or want, and they do not allow this online feature while every other bill I have this is an option. it helps when the minimum payment goes up or you just can better plan financially to pay ahead. DISCOVER CARD
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report this morning, I was completely caught off guard to find inaccurate accounts listed, and I have no explanation for how this happened. Checking my credit report is part of my usual routine, and Ive never encountered discrepancies like this before. I even refreshed my browser multiple times, hoping it was an error, but the incorrect information was still there. I urgently request a thorough review of the documents Ive provided to prevent this issue from happening again.
Product: Mortgage

United Wholesale Mortgage Nightmare since our mortgage was sold to this company. Nearly impossible to get someone on the phone. Representatives continually over and over and over give false information. During insurance change an advisor actually told us not to pay the insurance bc we had time until next year. We almost lost mortgage and insurance bc of this. They checked call records and indeed verified that we were told wrong info. Nearly lost insurance coverage had a day to pay!! Now we were told once that analysis on escrow wasnt going to happen until XXXX and had until XXXX to correct escrow deficit. Told we would have 45 days before mortgage went up and change became permanent. Analysis was done XXXX and it took 2 months for an Escrow Payment ( portion ) to be applied to escrow balance. Took nearly XXXX more calls in XXXX- told different information each time!!! Final call spoke to rep in escalation department said dont worry I know what I am taking about. He told me that that was just an early analysis and it wouldnt affect our monthly payments until XX/XX/24 but still not to worry bc a state analysis would be done again in XXXX and we still wouldnt have an increase until XX/XX/24. Said we would get a letter again with information and we would have 45 days after letter to pay shortage before mortgage payment went up! None of this is true! Our payment went up XX/XX/24 without notification by app or mail and increase was autodrafted from our account despite being told and receiving letter re new payments would increase XX/XX/24. Hence when I called rep final time who told me not to worry payments wont increase until XX/XX/24 and we would have all of XXXX to pay deficit before Payments go up. The unexpected auto draft nearly put us in overdraft. Attempted to call today XX/XX/24 office closed after XXXX!
Product: Credit reporting or other personal consumer reports

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. Pursuant to FCRA Section 605B it is illegal to report any information on my credit report without my permission. Please remove this item from my credit report. Thank you! 

The account should be showing a XXXX balance. I will add the documents below
Product: Debt collection

XXXX XXXX XXXX NJ, XXXX a professional debt collection agency is trying to collect on outstanding medical bill balance from a XXXX Health Care provider called " XXXX XXXX XXXX XXXX'. I was receiving XXXX XXXX health services from The XXXX XXXX in XXXX of 2019. The XXXX XXXX billed my primary insurance company receive payment and failed to submit the remaining balance to my secondary insurance carrier through XXXX. They are forcing me to pay to the remaining balance they didn't receive from the primary insurance. The violation comes into play when I was disputing the charges with the collection agency. Summit Collection agency sent to me in the mail a copy of " Commitment To Treat/Safety Plan '' form, XXXX XXXX inquiries, and email communication they had with health care provider/XXXX XXXX XXXX regarding my XXXX XXXX health services. On these document contain my personal information Name, Date of Birth, Medical Record Number, Health Care Insurance agency Name, Date of Service, Claim Number, my personal treatment plan. All this information is in violation of HIPPA Law. I never gave permission to the XXXX XXXX XXXX to disclose my personal medical information or treatment plan to a third party agency. Summit Collection reported this information to XXXX Credit Bureau. My original agreement for XXXX  medical services was with The XXXX XXXX not Summit Collection Agency. The XXXX XXXX received payment from my primary health insurance carrier and they failed to bill my secondary insurance carrier for remaining balance. The XXXX XXXX receive their contract payment from the primary insurance carrier and by law they can't and should not be balance billing me for the difference. They agree to the contact rate with the primary health insurance carrier and that is payment in full. Because The XXXX XXXX failed to submit medical claims accurately through both insurance plan they are threatening me and damaging my personal credit. The biggest violation is disclosing my Protected Health Information to a third party agency without my permission. The employee who disclosed the medical form/treatment plan, Financial Snapshot inquiries, and email communication to the collection agency her name is XXXX XXXX XXXX ID XXXX email XXXX. I formally written a dispute letter to XXXX providing proof HIPPA violation, proof of the claim showing The XXXX XXXX received payment for the medical services render. I sent all the documentation along with my copy of my ID & Social Security number via Certified Mail with United States Postal Service. XXXX responded back to my dispute stated they contacted the collection agency and confirmed the debt was valid ; which is false. They didn't explain or provide proof on how they confirm the debt was valid nor even address the violation of HIPPA Law. I attached all both form and email communication that shows XXXX XXXX XXXX  submitted to Summit Collection Agency disclosing my PHI which is in violation of HIPPA.
Product: Vehicle loan or lease

Hi, I am so glad there is an agency that I can turn to. I was sent prequalified auto loan advertising, many time from Capital One. I even have 3 credit card accounts and a auto loan with them now. All my cards have 60 % credit left, never late and the auto loan is more than 1/2 paid of in 1/2 the time. I bought a car 3 weeks ago, was asked for a pay stub. I provided a XX/XX/XXXX stub. We were furloughed late XXXX but my company pays for all benefits. They told us we are not laid off. Then just yesterday XX/XX/XXXX they wanted a newer pay stub I wont have one for 3 weeks. They will not pay the dealer even with a note from my employer stating I am employed. They said it was new just that day because of Covid-19. The deal closed on XX/XX/2020. I have the means to make the payments. The pay stubs provided are good for 45 days. Please look into random changes. And if they change rules it should be enacted going forward not retroactive.
Product: Credit reporting or other personal consumer reports

I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity theft and I demand that you removes these errors to correct my credit report immediately! I have reported this to the federal trade commission and attached the federal trade commission affidavit. Now that I given you the following information, please correct my credit report or I shall proceed with involving my attorney!
Product: Checking or savings account

On XX/XX/year>, I was supposed to receive my direct deposit payment. However, it has not been deposited into my account as of now. I contacted the company, but they have repeatedly stated that they are experiencing technical issues. Despite my attempts to reach them for clarification, no one has answered the phone or provided a resolution. This delay has caused significant inconvenience, and I have not been given a clear timeline for when the issue will be resolved. 

I would like the company to provide an immediate update on the status of my payment and take appropriate steps to ensure that it is deposited as soon as possible. Additionally, I would appreciate measures to prevent this type of issue in the future.
Product: Credit card

I went to a XXXX on XXXX XXXX, 2016 to look at mattresses and the sales person took my social security number, saying that she only needs it to provide me a quote for the mattress i like. However, a month later, I receive notice that a XXXX credit card was opened under my name for {$3000.00} credit limit without my knowing. I talked to the manager there in XXXX and he gave me the SYnchrony Bank phone number to call, saying " it 's happened multiple times before and just call this number, explain to them and you 'll be fine. '' I was on the phone with Synchrony Bank for one hour and finally decided to close the account, thus dropping my credit score by XXXX points.
Product: Credit card

The problem is with a citi credit card. I talked to them multiple times about the charges but do not investigate. This is not identity theft it is simple wire fraud. 
I am receiving charges from XXXX different entities. On is called XXXX and the other is XXXX XX/XX/year>. These look fake. 
The both indicate interest payments, but I have never done business with these people. This is not an interest payment to Citi. ONe is for some type of audio equipment company and the other is for a public relations firm. I have no need for such services. 
I faxed a XXXX page document to XXXX XXXX XXXX from XXXX, I never hear anything back. 
Talking to dispute people at citi is a waste of time. 
It is best to look at a letter I sent to an attorney which includes a lot of detail. 
These are fraudulent charges, and amount to wire fraud. This was over a number of months and I called Citi whenever the charges appeard and they did not or could not investigate. 
There is no where to send a written signed dispute for for Citi Credit Cards, Just debit card transactions and they never respond.