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

XXXX very confused before I lost my card and fraud happened my balance was {$790.00} I paid {$300.00} and much more and my balance doesnt go down I called customer care and they said XXXX XXXX that its weird and they claim the old car should been transferred to reflect the current balance but they never did that and they told me to contact the claims department very confusing on the statement it also shows a payment but the balance doesnt reflect that it should be {$200.00} my balance not still showing {$700.00} why cant they fix this its a problem with their system or something
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention Consumer Dispute Department : 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, defamed my character and caused me great XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For my student loans- The reporting of these account ( s ) are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device; Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

I demand theseaccount ( s ) be deleted from my consumer report immediately. Please send a copy of my updated report once complete.

For all other accounts : 12 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.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX XXXX
Product: Student loan

In XXXX I was temporarily employed with the Census Bureau and qualified for Income Based payments. On several occasions my income base was XXXX. I worked odd jobs and never was able to pay my students consistently. Later in XXXX, I returned for another temporary position with the Census ( 10 months ). In XXXX, I returned to work for the Census Bureau. I was told I did not qualify for the forgiveness program because I was not a permanent employee ( excepted position ). I worked consistently with the Census and moved for positions and new roles. In XXXX, i qualified for the forgiveness program and submitted an application. Recently ( XX/XX/XXXX ), I recertified my employment as an employee of DOL. A challenge is the amount of the student loans are incorrect. When I was not able to pay and got consolidations and deferments a couple of the servicers double the loans instead of calculating the one loan they counted them two times. I have been trying to explain but no one understand this has been a problem with amounts and the interest is paid on the excessive amounts which makes my loan payments unaffordable. The Servicers : XXXX XXXX, Navient and another servicers.
Product: Mortgage

changing our mortgage payment from {$980.00} to {$1200.00} a month. Lied about taxes and insurance premiums.
Product: Debt or credit management

these calls and texts violated the Telephone Consumer Protection Act, or TCPA. This federal law protects consumers from unsolicited telemarketing behaviors and requires businesses to obtain prior express written consent before sending calls and texts. Businesses which violate TCPA may be ordered to pay millions in statutory damages for each violation. They violated me on many of occasions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my credit bureau receive a hard inquiry from Equifax Mortgage Solution without my authorization damaging my credit score. 
I just want that inquiry to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I never resided at the address on the XXXX XXXX XXXX accounts. I believe someone else used my identity to get apartments with my information.
Product: Credit reporting or other personal consumer reports

ATTENTION TO XXXX XXXX, XXXX, EQUIFAX, and XXXX This complaint is in reference to a XXXX XXXX auto loan that has been tendered and paid in full but is reporting discrepancies to my credit report and also not reporting that the account has been paid in full Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given to XXXXXXXX XXXX XXXX, EQUIFAX, and XXXX written, unwritten, verbal, and nonverbal per 15 USC 6802. I am invoking my rights under 15 USC 6802 to opt out of the disclosure of my information. The following items listed below are all in violation of my privacy rights under the Privacy Rights Act of 1974, also 15 USC 6801, 15 USC 6805 and 15 USC 6802 obligation to disclosure of personal Information. XXXX, EQUIFAX, XXXX and also XXXX XXXX  should be penalized for there unlawful actions violating my rights, all are guilty of either reporting or disclosing my information. I Have attached a report of my credit report from all XXXX bureaus and you will be able to see the proof of discrepancy within the credit bureaus and XXXX XXXX All the credit bureaus are reporting different dates of accounts being open, different loan balances, payment history, all inaccurate reporting violating 15 USC 1681. Each violation is subject to {$1000.00} fine per violation made by each party involved. XXXX XXXX is reporting Late Payments from XX/XX/XXXX up until XX/XX/XXXX. These late payments are reporting to XXXX, EQUIFAX, and XXXX with discrepancies, they all report different information, completely in violation of 15 USC 1681 inaccurate reporting, 15 USC 6801 illegal to report transaction history, 15 USC 6802 disclosure of personal information. I signed a privacy agreement with XXXX XXXX  that they wouldn't disclose my information to a third party company and all three credit bureaus are third party companies, therefore illegal to report on my credit file. XXXX XXXX  can't disclose my information and the credit bureaus can't report it. They both owe for compensation. XXXX XXXX  also has remarked my credit report with a REPOSSESION/REDEEMED note and it is reporting on all three credit bureaus also in violation of my privacy rights under the Privacy Rights Act of XXXX, also 15 USC 6802 disclosure of personal Information, also subject to {$1000.00} fine for violation of my rights. It is unlawful and they are in violation of invading my rights and I am invoking my right to opt out of XXXX XXXX  disclosing my information under 15 USC 6802. I am also invoking my right to opt of XXXX, EQUIFAX, and XXXX reporting my personal information also under 15 USC 6802, as in credit utilization and payment history, which is inaccurate falling under 15 USC 1681. I have a suffered behind these unlawful acts by XXXX XXXX, XXXX, XXXX, and EQUIFAX as it has impacted my credit score unlawfully and needs to be. resolved immediately by removing the information from the credit report and also cease the reporting.
Product: Mortgage

I am in the process of trying to apply for a mortgage loan. I found the lender XXXX XXXX and began trying to work with her back XXXX of 2023. From the beginning she made it clear she did not want me to search around for other lenders. I never agreed to comply because it is my right as a consumer to shop lenders. After poor communication and poor customer service, and also after lack of organization, this lender called my realtor and told her she does not trust me and that my realtor should not trust me either. Implying I did something wrong because I have shopped around for rates and terms and programs. This is completely unprofessional and unethical.
Product: Debt collection

Oracle Financial group left VMs on two private cell phones of 2 personal friends on XXXX XXXX, 2017, stsatimg they were trying to collect a debt.
Product: Debt collection

XX/XX/XXXX, received complaint from Circuit Court state of Oregon of breach of contract Case Number : XXXX, XX/XX/XXXX : I reached out to the debt collector and spoke with the attorney representing the debt collector, she stated since you called we are no longer going to pursue this legally and will work with me to resolve this debt, negotiations abruptly stopped I received written notice from the attorneys office representing the debt collector advising me the current attorney has been let go from the firm and a new attorney would be appointed. 

XX/XX/XXXX Received general judgement ordered by the court. Awarding debt collector. We were mediating payments and amounts prior to the attorney being let go/ terminated. correspondence stopped and the collection agency stopped all mediation and contact under this new attorney XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX someone tried to gain access to my account. They fraudulently tried to use someone else bank account to pay off my balance and then use the available balance on the card. I was notified that my card had been restricted when I saw the same thing on several of my other credit card accounts. I made a police report and was told that this is a scam that had been going on. I notified Capital One and told them that I would be producing a police report shortly but I could n't because at the same time my city ( XXXX, Alabama ) had been locked out of their systems by a hacker who was demanding ransom and they could n't put any police reports into the system or even get into the system for that matter. As soon as I was able I got what I needed and sent it to capital one. I also turned over other police reports because I have been a victim of fraud several times before and I try to keep a close eye on my credit reports and things of that nature. I was told that I needed to pay down my balance and that after that they would re-authorize my card. I did exactly what I was told to do only to be told that they would not be reopening my account even though they had all the evidence that it was not my fault and that I was a victim.
Product: Credit reporting

I received a letter from XXXX on XXXX XXXX, 2016 informing me that they contacted Transunion and requested them to remove hard inquires from my Transunion Credit Report. I recently viewed my Transunion Credit Report and Transunion refuses to remove the inquiry from my credit report. The letter will be provided upon request, The letter is signed by XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX we tried purchasing tickets on XXXX for a local event we sent her the money and she told us to wait that she was Sending it now then XXXX XXXX pass by and she blocked our profile so we contacted her using another profile to give refund back and she kept blocking us we called the bank since the charge was pending the lady on the phone didnt seem to care and told us we had to deal with it on our own when We heard that people who get scamed get there money back and wast able to do anything about but my other family member got scammed by her too and he was able to get his money refunded quickly and I really need something to be done so they dont scam anymore people and I really need that money back
Product: Credit reporting, credit repair services, or other personal consumer reports

It is several accounts due to be removed due to no validity of debt I have attached photo. Only account missing is XXXX to be removed as well. XXXX and XXXX verfied no debt Transunion is only one not looking into this
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. 

INQUIRIES : EXPERIAN : XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX : XXXX XXXX  ( XX/XX/XXXX ) XXXX : XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/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.
Product: Credit card or prepaid card

I call discover credit card to setup for me payment plan because I had hard time to make a payment they doesnt offer any plan to me work, just offer plan to pay interset without principle which will be just same as I had already now So I found them they cancel my credit card and send to collection company I am never miss a payment all my life I feeling I had Racial discrimination throw their agent I call and I need them to check this call
Product: Mortgage

My house on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  nc was foreclosed in XX/XX/XXXX the second mortgage is/was held buy First Tennessee bank. they have been showing that i am " late '' on my credit report for two and a half YEARS!! I recently pulled my credit report to find this info..I assumed it was foreclosed back when the main mortgage closed. I called First Tennessee and was directed to the foreclose department and was told by XXXX on XX/XX/XXXX that they are reporting it properly and in so many words, told me that i ether set up a payment plan or they will do nothing!!! I lost this house in a divorce and the ex wife put it into foreclose and I could not stop it because she would not sign some paper work at the time ( XX/XX/XXXX ) I am simply asking for some help/guidance to get them to close the loan and move forward in the process so my credit does not show a " late '' payment this is what I sent to them from the form that XXXX stated I could fill out : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The house on XXXX XXXX XXXX XXXX was foreclosed on XX/XX/XXXX. you have been showing this loan as being late on my credit report.. I need please review the loan and move forward to close this out.. I think that nearly three years as " late '' is very unprofessional..I spoke with XXXX in the foreclosure departmentXX/XX/XXXX and you now have all of my contact info. I am filing a report with the Consumer Financial Protection Bureau. I expect this to be resolved promptly. Thank You XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The loan # XXXX  First Tennessee Bank XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Foreclose Department XXXX XXXX XXXX  My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX   XXXX XXXX
Product: Vehicle loan or lease

The Company Westlake Portfolio Management stated that they have the account from the American Car Center contract stated that they have had my account since XX/XX/2023 I did an account verification in XXXX along with a cease of communication in XXXX and this company is requiring me to make payments I do not owe and that they have been holding since XXXX. Violation of the fdcpa and the fcra and I want to be compensated
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, XXXX AND TRANSUNION was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance {$3500.00} ; XXXX XXXX XXXX Balance {$5000.00}
Product: Debt collection

I actually have no knowledge of this account. A letter was sent to XXXX XXXX requesting that the debt they assume I owe be verified. They notified me through mail stating I am responsible for a {$1200.00} bill from XXXX. I was sent a bill as a validation of this debt, but I need an original validation identifying my signature stating I had an account with the company. If they can not provide original documentation bearing my signature, I want this collection item removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates 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 or other personal consumer reports

in XX/XX/year>, I enrolled my company, XXXX XXXX XXXX XXXX, up for credit reporting services with XXXX XXXX onlineXXXX XXXX XXXX XXXX  However, the company isn't reporting anything to the credit bureaus as it advertises. I enrolled in the basic package and when I pulled up my XXXX credit reports, I don't see XXXX listed at all. Also, on XX/XX/year>, I sent an email to XXXX XXXX customer service support about the technical issues I am experiencing as I tried numerous times to add the property management information and still no response.
Product: Checking or savings account

On XX/XX/XXXXXXXX  and XXXX my FSA debit card ( issued by Optum Bank for Optum Financial ) was used fraudulently at a pharmacy I regularly do business with. There were two debits for {$100.00} on each of the three days totaling. {$600.00}. I called Optum XX/XX/XXXX after noticing the debits and initially was told to contact the Pharmacy as they could reverse the transactions. When I went to the Pharmacy, they told me they would look into it then called me a few days later to inform me that they could not find the transactions. I then contacted Optum again to begin a formal investigation. The card was cancelled, and I was told I would receive a new card and also some paperwork that would need to be completed and signed but that they would begin looking into the fraudulent debits immediately. I received the new card and a a few weeks later an affidavit which I signed and returned by certified mail. Per the USPS tracking info ( Tracking Number XXXX ) was received at Optum 's XXXX, XXXX  offices on XXXX XXXX XXXX. Since then, I have been calling every two to three weeks trying to get the status of the investigation, but I keep getting the run around and was always told it can take up to 90 days. If the 90 days is calculated from when first reported that has passed some time ago. Since I did not have access to the stolen funds, I was unable to use the card for medical expenses as only {$550.00} of that {$600.00} will be carried over to XXXX. Their offshore call centers are unhelpful and refuse to escalate my calls to anyone in the fraud department or a supervisor. My employer only started using Optum for our XXXX accounts starting XX/XX/XXXXXXXX  and if this is how they handle issues I dread to think what may be ahead.