23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is reporting an account from XXXX XXXX XXXX. XXXX XXXX XXXX received my personal medical information from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. This is a XXXX violation! I did not authorize for my medical information to be sent to a third party. Please remove this account from my credit profile immediately! This is a violation of my rights. Legal action will be pursued if this account is not removed immediately. 

I AM NOT A CREDIT REPAIR COMPANY
Product: Credit card

I have a Credit Card Account with Discover, ending in XXXX. I have been with Discover for over half a decade, without any issue, until XX/XX/2016. My Discover Credit Card ending in XXXX was compromised and some unauthorized charges occurred, which I reported promptly. The Card was closed, and an investigation was initiated. 
After the completion of the Fraud Investigation, a new Account was set up, transferring my credit and balances ; and I was contacted by the Customer Protection Team. I was prompted to set up a verbal password for my account, which I did. Since then, everything seems normal, as I never attempted to use the card. 
On XX/XX/XXXX, I requested a replacement card, and activated it on XX/XX/XXXX. I made some online purchases which went through, but then later cancelled by the Merchants ( i.e. XXXX and Kendras ). When I called the Merchants, I was told that the payments were not verified by my Financial Institution. 
Everyday since I had started using my Card, I have had to call Discover Customer Service everytime, because there is always a hold or a security flag on my Card, whenever I try to use it. 
My card never worked at the ATM for Cash Advance, I was told to go into the Bank and process a Cash Advance over the Counter, it still declined ; even when inputted manually. 
My card got declined from virtually everywhere ; gas stations, XXXX, XXXX, restaurants, etc. It never worked. 
I was told not to use my card for 24-48 hours, so as to let the system cool off/get used to my account, because the transacions were fresh. I stopped using my card, and after few days, on Monday, I attempted to use my card, it worked. I tried ATM access, it declined. I called customer service, I was told that my last transaction of {$61.00} at XXXX flagged the card. I was asked to try it again at the ATM, it declined. And I was advised again, to let it cool off and not use it for cash access, only purchases. 
Irrespective of the fact that I have gone through a lot with Discover, I explained I was doing XXXX shopping for my family and I was assured that everything should be fine with purchases. 
For some weird reason, whenever I call Discover and give them my verbal password, I was told it was incorrect. Mind you, this is the same verbal password I have had, never changed it. 
My card is blocked at the moment, and I was told to send in some documents. I have sent my Driver 's License, SSN Card, Rent Lease and copy of my Discover card to the fax number provided to me, XXXX twice and I am yet to hear back from Discover. 
It just saddens me that when someone else fraudulently used my card, Discover did n't play any of these games, to protect me ; but when I, the actual Cardholder wants to use my Card, its either a hold or a flag or something. Which makes me ask the question : should the Government and Regulators of Financial Institutions allow customers to suffer in the hands of Banks and other financial Institutions? 
Discover has records and notes of every call a Customer makes. Someone should go through my account notes and they will understand my frustration ; as this could have effect on my Cedit Reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on my report. Specifically, the two bankruptcies XXXX and XXXX. The Agency - Trans Union then alleged to have verified my public record information with XXXX and the US Bankruptcy  Court. I proceeded to ask for a Re- investigation on XX/XX/XXXX and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/XXXX at XXXX XXXX, speaking to XXXX XXXX XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/XXXX at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Trans Union or any Credit Reporting Agency. 
The only clear thing is that the Trans Union is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of  any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Trans Union. I humbly ask for assistance in having this information deleted from my Credit file at Trans Union.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, Westlake Financial SVC : Account # XXXX, has violated my rights. 
This company continues to report a 30 day late payment to XXXX, XXXX XXXX XXXX from XXXX of 2018. 

My account was reported closed in XXXX of 2018 through XXXX XXXX XXXX. I sold this car in XXXX of 2018. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Student loan

I work very hard to pay my bills and I want very much to keep my student loan payments in good standing. I can not afford the XXXX a month payment Discover is requiring of me. And now they tell me I have no options. None. I have tried all I can to come up with a payment plan that works for us both. I am a new father and have even taken on a XXXX job to try and make ends meet. Discover let me pay a reduced payment of $ XXXX/month that was just doable for me. Now I am out of options. The only option now, it seems, according to Discover, is to default, which I do not want. I have XXXX co-signers : my brother who is in the XXXX XXXX and can not afford these payments and my sister, who also can not as she is a stay-at-home-mom. I want to be in good standing. I want to work with Discover, but they refuse. This can not be how their business works : " Sorry, too bad, nothing we can do. ''
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquires now 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 {$0.00}
Product: Credit card or prepaid card

A hotel booking was made using the Citi Concierge for a Citi prestige 4th night free booking. 
By using this service provided by Citibank, the Citibank Concierge books the hotel for you for 4 nights, and you receive a statement credit equal to one night stay stay for 4 nights, pay for 3 nights. 
The booking was made by the Citi Concierge named XXXX, Case Id : XXXX The booking was made on XX/XX/XXXX. 
XXXX made the booking for the XXXX XXXX XXXX XXXX and confirmed it would qualify for the 4th night free benefit. 
I was required to sign an authorization form for a non-refundable deposit and then email the concierge that the form was signed, and the deposit was charged. 
XXXX. XXXX, 2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} The balance was paid on XX/XX/XXXX XXXX XXXX, 2018 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  {$1800.00} The 4th night free credit was to be applied to my account within 2 statements. It has not been applied and now the Citi Concierge is refusing issue the credit. 
I am disputing {$950.00} of the {$3900.00} billed for the amount the of 4th night free credit that I am owed. 
The CitiConcierge made the booking under the 4th night free benefit, the booking was paid in full using my Citi Prestige card, I complied with all the terms of the program.

I did not make this booking, the CitiConcierge made this booking. 
I have attempted to resolve this with Citibank directly and they have done nothing. 
This card has a very large annual fee, I do not appreciate trying to be cheated out of using the benefits of this card.
Product: Debt collection

Dear FIRST FINANCIAL RESOURCES XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute a medical debt of {$600.00} that is incorrectly reported on my credit report. I have contacted the original creditor, who confirmed that there is no information related to this debt under my personal account. Therefore, I do not owe this balance to your company or any other. 

This reporting is a violation of the Health Insurance Portability and Accountability Act ( HIPAA ), as well as the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other consumer protection laws. The inaccuracies concerning this account violate both my privacy rights under HIPAA and my rights under the FCRA and FDCPA.

Specifically, I believe your actions infringe upon my rights under : 15 U.S.C. 1692e : Prohibiting false, deceptive, or misleading representations in connection with debt collection.

15 U.S.C. 1692f : Prohibiting the use of unfair or unconscionable means to collect or attempt to collect any debt.

15 U.S.C. 1692g ( b ) : Requiring proper validation of the debt and notification of my rights.

15 U.S.C. 1692d : Prohibiting harassment or abuse in the collection of a debt.

HIPAA Privacy Rule : Prohibiting unauthorized disclosure of my protected health information ( PHI ).

To resolve this matter, I require the following documentation : Evidence of your authorization to collect this debt under 15 U.S.C. 1692e and 15 U.S.C. 1692f.

Legal basis for the collection of this debt.

Proof of your authorization to operate in my state.

Evidence of the alleged debt, including any contracts or agreements bearing my signature.

Complete account history, including all collection-related charges.

I demand the immediate removal of this account from all credit reporting agencies and the cessation of all communication and collection activities, as provided under 15 U.S.C. 602 ( a ) and HIPAA. Failure to comply will result in further legal action to protect my rights and interests. 

Your prompt attention to this matter is appreciated. 

Sincerely,
Product: Mortgage

I submitted an application for a loan modification to Caliber Home Loans. 
They asked me to provide information which I did, they asked for several things they were : Profit and loss statement, a letter of verification and a credit report authorization. I faxed all of these to them. I have fax reports showing date they were faxed. 
On XXXX XXXX, I received a phone call and a letter saying I was refused a loan modification because " you did not provide us with the documents we requested '' This is not true. I sent in everything they asked for and have proof that I did so. They did not even evaluate my documents
Product: Credit reporting or other personal consumer reports

I sent out letters to experian XXXX and XXXX in reference to items on my credit report. I received letters from Experian and XXXX blatantly refusing to do an investigation citing it wasn't me who submited the documents although I uploaded my ID my ssn card and a bill to verify ny identity.
Product: Credit reporting

On XXXX/XXXX/2016 I filed a dispute with Equifax regarding a hard hit inquiry by XXXX XXXX. I have never received a response by Equifax with the results if the investigation providing me proof that I authorized this inquiry. Equifax is in violation of the Fair Reporting Act time allowed to provide the consumer an answer regarding their dispute. 
CFPB CASE # XXXX
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 consumers rights to privacy and confidentiality under 15 USC 1681. 

XXXX : Account number ending in XXXX, XXXX XXXX Bank : Account number 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. 

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

I just got a notification that XXXX XXXX reported a collection account on my credit report. I never received any letters from this agency giving me the right to dispute this debt. Under the FDCPA a debt collector has to provide a consumer with a G notice. The right to dispute the alleged debt within 5 days of the initial communication with the consumer. They have violated 15 USC 1692g. I also dispute this alleged debt
Product: Debt collection

I received a statement in XX/XX/2021 from a collection company by the name of Designed Receivable Solutions. They billed me for a medical bill that was already taken care by me. I was required to pay a deductible with my insurance company which was resolved shortly after my visit. I never received a validation notice from the collection agency giving me an opportunity to dispute this debt. Rather than receiving a notice ( required by FDCPA ), my credit was impacted. 

Thank you,
Product: Prepaid card

I received as a gift a {$100.00} gift card issued by U.S. Bank National Association ( XXXX ). The card was in the original package. I opened the package and called the XXXX number printed on the card to verify the balance. There was a {$75.00} dollar transaction that was completed before I even opened the package. I immediately called customer service. They asked me to provide a fax number. I do not have one and in the end they asked me to fax copies of the card ( front and back ) and the packaging ( front and back ). I explained to them that I do not have a store purchase receipt for the card since it was given as a gift. I faxed all the information available to XXXX as instructed by the customer service representative.
Product: Mortgage

ON XXXX OF 2023 I SEPERATED FROM THE WIFE AND ALL RESPONSIBILITES FOR THE MORTGAGE PAYMENTS WERE MY LEGAL OBLIGATIONS. ALSO LOST 75 % OF MY INCOME. JOINT INCOME WAS ABOUT XXXX AFTER SEPERATION XXXX AFTER EMPLOYEE PAY. SO, I WAS NEVER ABLE TO CATCH UP ON PAYMENTS. SO, IM SEEKING HELP TO GET BACK ON MY FEET. IM ON XXXX XXXX HAS GONE UP AND IN ABOUT 2 MONTHS SHOULD BE BRINGING IN XXXX AFTER EMPLOYEE PAY. BUT FIRST I NEED TO RESOLVE ISSUE WITH LENDER OF THE PROPERTY.
Product: Credit card

In XX/XX/year> I closed my Victoria Secret credit card because I never received a statement from them not realizing that I had used my card I went in to the account and I noticed that I had a balance plus a late charge fee I was angry at this company because even dough they say that they are still sending me statements I have never received XXXX so I paid the balance plus the late fee and now I got a notification from XXXX XXXX that I had a balance of XXXX dollars from Victoria secret I called the company and I have talked to XXXX different people with XXXX different answers they said that o had owed XXXX dollars after I closed my Victoria secret account so now my credit is plunging and I havent been able to fix this problem XXXX of the customer service representative told me to pay the XXXX dollars and all those charges were going to be removed I keep checking and it still showing the total amount I called again unfortunately the persons I spoke to at first sounded like they were from XXXX the last XXXX spoke very well XXXX and she told me to pay the total amount that because I had closed my account back in XXXX she was not able to remove it I told her you cant because my account is closed yet you continue to charge me interest on XXXX dollars? So Im out of options I really do need your help please to resolve this problem Im not working I had XXXX and I can not pay this ridiculous charge over something I feel I never owed because I did paid my bill in full before I closed the Victoria Secret credit card please help me. Sincerely XXXX
Product: Debt collection

IN REGARDS TO : PORTFOLIO RECOVERY ASSOCIATES ; XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX The account your company is reporting to the credit bureau is troubling that is not mines. 
I've sent numerous letters to the furnisher disputing the account listed below, but they have verified the account as accurate with the credit bureau XXXX. 
CAN THEY actually DO THIS? VERIFY AN ACCOUNT WITHOUT PROVIDING ME PROOF THAT THEY ARE REPORTING 100 % ACCURATE? 
I WILL BE SENDING ALL LETTERS TO MY ATTORNEY FOR REVIEW TO SEE IF ANYONE VIOLATED THE LAW. 
I KNOW YOUR COMPANY VERIFIED THE ABOVE ACCOUNT AS ACCURATE. SEND ME ALL OF THE INFORMATION YOU USED TO VERIFY THE ABOVE ACCOUNT SO MY ATTORNEY AND I CAN REVIEW IT FOR ANY VIOLATIONS. 
PLEASE SEND ASAP, AS 15 DAYS SHOULD BE ENOUGH TIME. 
I AND MY ATTORNEY AWAIT YOUR RESPONSE. 
Im also requesting information about your procedures put in place to verify this charge-off account. I would like to see a detailed list of all transactions on this account. Also, provide me with a copy of the original contract/application with my signature. In addition, please show me the date that you claim that this account was charged - off.
Product: Credit reporting or other personal consumer reports

My information was breach and I'm XXXX XXXX military and I have a security clearance. 
I want reported accounts to be removed : Account Number XXXX XXXX Balance {$4500.00} Account Number XXXX XXXX Balance {$33000.00} Account Number XXXX XXXX Balance {$22000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX EQUIFAX UPDATE Automated Consumer XXXX System XX/XX/XXXX EQUIFAX UPDATE Automated Consumer XXXXnterview System XX/XX/XXXX EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX CONS XXXX XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX CONSUMER SERVICES CONS XXXX XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX CONSUMER SERVICES CONS XXXX XX/XX/XXXX EQUIFAX CONSUMER SERVICES CONS XXXX XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XXXX XXXX, XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview System XX/XX/XXXX XXXX XXXX, XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX Automated Consumer Interview XXXX XX/XX/XXXX EQUIFAX AUTO MTNC UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX UPDATE Automated Consumer XXXX System XX/XX/XXXX EQUIFAX UPDATE Automated Consumer XXXX System
Product: Debt collection

Original Debt is from USAA in the amount of {$15000.00}. The only time I have contacted USAA reguard this debt is when I was not able to make any payments on this debt. 

Credit Report states as of XX/XX/XXXX : Account delinquent 180 days past due date : Unpaid balance reported as a loss by credit Guarantor. Account closed by credit grantor : Last paid XX/XX/XXXX. 

XXXX has been mailing me settlement statements for settlement in the amount of {$6800.00} in 8 payments of {$760.00} and 1 payment of XXXX. 

Now, I have started receiving letters from XXXX with a threat of judgment in the amount of {$15000.00}. In addition, they have been calling my phone under multiple different phone numbers. 

I have contacted the three Credit Bureaus multiple times to dispute.