23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Discover Bank mailed flyers to Discover Credit Card holders advertising a {$300.00} checking bonus upon opening a new account and meeting direct deposit requirements. 
I complied with all the requirements, sent an online message to which a representative responded that I met the requirements and would receive the bonus offer by XXXX/XXXX/16. 

Upon following up, I was told that I was not 'targeted '. Even though I received the mailer and opened the account ; which the confirmation page shows the bonus.
Product: Debt collection

Sent letter to I.C.SYSTEMS TO desist and to verify Such debt is owed
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. XXXX XXXX XXXX XXXX {$2500.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit card

I was in the hospital for a few weeks in XXXX of last year. While there some of my belongings were misplaced and never recovered. I realized this credit card was with my wallet that was lost at that time. A lot of unauthorized charges were made on this account.
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 XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # 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 reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX  {$860.00} XXXX  XXXX {$0.00} XXXX  XXXX {$790.00} XXXX XXXX  XXXX {$1900.00} XXXX  XXXX {$1100.00} XXXX/XXXX  XXXX {$220.00} XXXX  XXXX {$2000.00} XXXX  XXXX {$92.00} XXXX  XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX  XXXX {$95.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX  XXXX {$530.00} XXXX CHAPTER XXXX XXXX {$0.00}
Product: Debt collection

Good day, I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I FOUND NUMEROUS COLLECTION FROM CREDITORS WHO I DID NOT GIVE MY PERMISSION TO PULL MY CREDIT REPORT NOR DID I EVER HAVE PAST BUSINESS RELATIONS WITH THEM. THESE COLLECTIONS ARE FRAUDULENT. PLEASE REMOVE THESE FRAUDULENT COLLECTIONS FROM MY CREDIT REPORT. 
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: Debt collection

Received a letter stating that I was in a car accident half a year ago and that I owed them {$10000.00} plus. I called the company to ask them what they were talking about and asked for proof of this debt they said they dont have to provide any proof and that if I dont pay them, my license would be revoked. The lady was so rude and refused to give me her name. I wanted to continue asking questions, but she said that if I wasnt ready to pay she was not going to answer any questions and hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I disputed the validity of an account that was being incorrectly reported on my credit profile specifically from Experian. It was no surprise that the other 2 credit bureaus, XXXX and XXXX, deleted the account due to their inability to properly verify it. 

If the creditor reports all the same information to all 3 major bureaus and the other bureaus were unable to substantiate the validity of the details on my credit report, then Experian should be able to provide me with the information that was used to verify the account. The information obviously doesnt exist, and Im sure Experian used e-Oscar to verify the account and update the info, but that is what the bureaus got in trouble for in the cases for XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX XXXX 

Also, please see attached the proof that the tradeline accounts from XXXX. XXXX, XXXX have been disputed with Experian and they were never deleted or removed. 

Please help me get Experian to rightfully remove/delete these accounts from my credit profile. Thank you! 

Best, XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX ( Medical Payment Data ) Account Number : XXXX Amount : {$620.00} Account Name : XXXXXXXX XXXX XXXX ( Medical Payment Data ) Account Number : XXXX Amount : {$440.00}
Product: Debt collection

On XXXX XXXX, XXXX I was served with papers by Portfolio Recovery Associates PRA for an alleged debt from XXXX. I responded to the court order and served upon PRA a request for the following information as allowed by the FDCPA.
1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
PRA failed and refused to provide me with this information after my request and I have now learned that PRA did not have all of this information required of them prior to filing the lawsuit as required by ; UNITED STATES OF AMERICA CONSUMER FINANCIAL PROTECTION BUREAU ADMINISTRATIVE PROCEEDING File No. 201s-CFPB-0023
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 Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I have had a conventional mortgage with XXXX XXXX  since XX/XX/XXXX. In XX/XX/XXXX, I called XXXX XXXX  to inquire about the cancellation of my PMI. On XX/XX/XXXX, my loan balance dropped below 78 percent of the original value of the secured property and I was current on my mortgage. The customer service representative told me that they were notified that my mortgage dropped below 78 % and they were processing the removal of my PMI. On XX/XX/XXXX, my mortgage payment withdrawn from my bank account included a fee for PMI. I called on XX/XX/XXXX to inquire about the reason for it not being removed. The customer service representative told me they would have to send me a letter to cancel PMI. On XX/XX/XXXX, I received a letter in the mail giving me 2 options to remove my PMI. In the letter, they state that my loan is current and I have received 0 30 or 60 day delinquencies. It also states that they acknowledge that my current loan to value is 77.60 %.

Option 1 - Obtain a full appraisal ( appraiser picked by XXXX ) for a fee of {$520.00}. If the full appraisal comes in at {$180000.00}, they will cancel my PMI. 
Option 2 - Send in a principal curtailment of {$0.00} in order to reduce my current LTV to 80 % and pay {$120.00} for a certificate of value ( appraiser picked by XXXX ) Neither of these options were in accordance with the Homeowners Protection Act ( HPA ). The HPA requires a servicer to automatically terminate PMI for residential mortgage transactions on the date that : The principal balance of the mortgage is first scheduled to reach 78 percent of the original value of the secured property ( based solely on the initial amortization schedule in the case of a fixed rate loan or on the amortization schedule then in effect in the case of an adjustable rate loan, irrespective of the outstanding balance ) if the borrower is current. 

My loan is current and below 78 % of the original value. However, nobody at XXXX can explain to me why my PMI has not been cancelled other than to tell me I have to order an appraisal or get a certificate of value. Nobody can explain why they are not operating in accordance with the HPA or why my mortgage is not governed by the HPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time disputing these address on my credit file. I have never lived in NEW YORK in my life and I and a victim of fraud and I want these fraudulent addresses removed from my credit reports. My name should appear as XXXX XXXX XXXX DOB XXXX SS XXXX my only address should be XXXX XXXX XXXX  XXXX OH XXXX. Please delete the following : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX. 
I am disputing the unknown account on my credit file : 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, US DEPT OF EDUCATION/XXXX # XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  XXXX XXXX XXXX # XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, XXXX  XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXX of the FCRA CREDIT BUREAUS is required by law to remove any ACCOUNTS which is found to be opened due to ERRONEOUS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I got a message from an attorney that sent an ad for the service and they sent the first page of a lawsuit against me. I have not been served yet and this attorney was warning me of the lawsuit. US Bank has never sent me one collection letter. My husband got sick and Im behind on payments, but never a letter for collections or a validation letter. Us Bank had violated the Fair Debt Act. In turn, because of this, I want damages awarded to me for my rights being violated. Im suppose to get a letter about being sent to collections. I never got one in the mail. I know by law they have to send me one.
Product: Debt collection

AR Resources INC ( 1 ) is not dating their letter/correspondence or envelope ( 2 ) is not giving a time period in which to dispute ( 3 they are not giving an address in which to direct a dispute.
Product: Checking or savings account

On Tuesday, XX/XX/XXXX, Simple sent my fiance a notice that it was, without cause, closing her account. They noted that they reserve the right to do so without cause per their rules. We are not complaining about their right to close our account without cause. What we are complaining about is the fact that they are now holding our entire savings hostage for an undetermined amount of time while they wait to send us a check for the contents of our savings. My fiance and I set up an account with Simple. In order to have a joint account, they require you to have two solo accounts, as well as a checking account. Upon receiving the email on the XXXX my fiance called Simple to see what the issue was. They notified her that by closing her personal checking account, this would also close our joint account as well. They told her that she should move money around as soon as possible so that we could have access to it. This was within 45 minutes of receiving the email. I immediately attempted to move all of our savings into our checking account so that I could transfer it to accounts we had outside of Simple. However, they had already locked down our money, not allowing us to transfer funds out, keeping the entirety of our savings locked away during a pandemic where either one of us could get deathly ill at any point. We also are getting married in a few months, and some of the money in our savings is earmarked for our wedding, bills which we would now have to put on credit cards, which we had hoped to avoid. The next day I called Simple and asked only two questions : Why was our account closed? When would we get our money back? Simple refused to answer both of those questions other than to say that they are allowed to close an account without cause at any time and that there was no timeline other than " as soon as they could. '' We also sent a message through their messaging system and were given the same, boilerplate non-answer. All we really wanted to know was when we would be getting our savings back. It seems that they think that this is their money, when in reality it is ours and they are holding it hostage.
Product: Credit reporting or other personal consumer reports

My privacy rights are being violated in multiple ways. According to 15 U.S. Code 6802 - obligations with respect to disclosures of personal information, Navy Federal Credit Union is in clear violation of the law. According to 15 USC 1681a, utilization and payment history are experiences with the lines of credit that were extended between the consumer ( ME ) and Navy Federal Credit Union, that is making the report. The law clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

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

There is an XXXX account in collections for the amount of XXXX from XXXX. 


During this time I didnt reside at that location. I moved from the location in XXXX. 
I have disputed this account numerous of times. 
Asking that the company provide a sign contract with my signature. They failed to do so. But keep putting this information on my credit report every month.
Product: Checking or savings account

Venmo sent multiple emails stating that my account was suspended and frozen. Was given multiple instructions to send my ID and change passwords, which I have done multiple times of each action. It feels like I am in a loop of just resending ID documentation and there has been no response yet. Funds are locked. Need funds to pay off a traffic citation and college.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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

Payments not being applied to promotional charges. Fees being applied. After numerous calls to apply payments to promotional balances, payments were still not applied. More calls were made. Keep getting disconnected when calls are made to credit card company. Please refer to all phone request made from XXXX through XX/XX/XXXX.
Product: Mortgage

I applied HELOC with Pentagon Federal Credit Union and they start process few months ago and at the end after conditional approval, they told me to submit extra insurance as a second lien and my insurance can't increase my insurance because it is illegal to do so. They still keep sending me email until XX/XX/21 to get extra insurance to give me HELOC. If you need the email correspondence, I can forward to your organization. Please find attached email correspondence for your review.
Product: Credit card

I was on a payment arrangement for a year with Commenity Bank, ( XXXX ). I have been XXXX  ( XXXX XXXX XXXXXXXX ) and not working. During that time, despite being on a payment plan, they called me twice wanting payment, then realizing they errored and I was on a program. After the year was up, I received no notification that I needed to pay regular payments until about 30 days past the due date. At that time, I was still unemployed and struggling to pay bills. For the next month, I tried to make payment arrangements with them but they refused. They were calling me about 4 to 6 times a day, 6 days a week. I was refusing calls because their staff was very threatening and would not assist. I was finally able to financially pay it off, and XXXX  out my balance. Recently I was charged another interested charge of {$6.00} I have not used this card in years, requested they close my account, AND XXXX  out my balance before the final due date. I have written them and asked them to remove this charge since I XXXX  out my balance. They refuse. I have requested documentation stating that they can continue to charge me interest even with a XXXX balance and have not received a response. I feel like I am being harassed at this point, especially since I just endured their constant barrage of phone calls.
Product: Credit reporting or other personal consumer reports

Santander Cosumer usa reported my payment on my account between XXXX XXXX and XX/XX/year> as 30 DAYS LATE. This inaccurate and misleading information i spoke with santander consumer usa and was granted an extension for XXXX XXXX. I will attached the document. This late payment dropped my credit score XXXX points!!!!! I was denied for my home loan due to this inaccurate information!