23daVinci/CFPB_Complaints huggingface dataset:
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 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 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 or other personal consumer reports

Experian reported a collection with date assigned XX/XX/2022 I disputed it multiple times, i have no idea what this is & it is not reported on any other credit reports. 


Also student loans are on the report and shouldn't be on there. no other reports have them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is improperly reporting 90 days in XX/XX/XXXX late on my credit report for 12 different loans. I received a forbearance on all loans with XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX ( the " forbearance '' ). As a result, no payments were required during the forbearance period, which is documented by a correspondence from XXXX XXXX and attached hereto. I submitted a dispute with Experian in XX/XX/XXXX but the dispute was denied in XX/XX/XXXX. I contacted Experian on XX/XX/XXXX and they told me the reporting is valid and they can not remove the late payment history, despite me offering to provide XXXX XXXX 's correspondence approving a forbearance. As a result of the negligent actions of XXXX XXXX and Experian, my credit score is extremely damaged.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The consumer reporting agencies has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 : States I have the right to privacy.

15 U.S.C 1681b ( 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: Money transfer, virtual currency, or money service

{$1000.00} was stolen from my account shortly after XXXX on Sunday XX/XX/XXXX. The thief created a XXXX account associated with my Fifth Third bank account in order to commit the theft. My phone was missing at the time of the transaction and I did not authorize the transaction. I discovered the transaction when I checked my email in the evening of XX/XX/XXXX. I filed a police report with the XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX  certifying that I did not authorize this transaction, which I submitted to my bank ( Fifth Third Bank ) as part of the dispute process. Fifth Third has repeatedly denied my dispute attempts.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ). I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignment of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute that validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Checking or savings account

There was a check that was sent to my account with my knowledge. I was a fluent chase member I will Gladly do what's necessary to fix this matter. This has happened on two banking account to my knowledge I have a honest job so I wouldn't deposit fake checks into my account. My girlfriend got a check in the mail with her name on it nd her address after I tried to help her chase it they closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts are reporting on my credit reports XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report and I'm confused about the cause. As I routinely checked my credit report, these discrepancies suddenly appeared. I attempted to refresh my browser, hoping it was just a glitch, but the inquiries remained. Consequently, I request a thorough review of the documents I've submitted to prevent further concern about this matter.
Product: Debt collection

I was never told directly about this bill that I " owe, '' but instead I found out about the bill when I accessed my credit report. I contacted the Lansing Professional Business Bureau, which is what was indicated on my credit report and they told me that it was " too late '' to send them my XXXX insurance. I have XXXX insurances for this exact reason! When I initially when to the hospital they only took the XXXX insurance card although I handed them XXXX. Then when I call to still give them my secondary insurance, they told me that I could no longer submit it because it was sent to collections. I am never supposed to pay {$500.00} out of pocket for medical bills with both insurances working together. I would like to dispute this medical bill because 1 ) I was never directly informed of the bill 2 ) they informed a debt collector before informing me 3 ) they told me that I could not submit my insurance again, even though I submitted it to them in the first place 4 ) I disputed the medical bill and they did not reach me within the 30 days 5 ) I have called and called and each time I was informed that " nobody could do anything for me. ''
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX im a victim of identity theft..I was incarcerated the time this account was open I have all the supporting documents far as police report, verification of release from my probation and verification of release from police station ..I ask that these things be removed off my credit file they are causing pain and suffering I come home from jail and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was locked upthank you XXXX bless
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. 

Account name : XXXX XXXX, Account # : XXXX XXXX Account name : XXXX XXXX, Account # : XXXX XXXX Account name : XXXX XXXX Account # : XXXX XXXX Account name : XXXX  XXXX, Account # : XXXX XXXX Account name : XXXX - XXXX, Account # : XXXX XXXX Account name : XXXX XXXX, Account # : XXXX XXXX Account name : XXXX, Account # : XXXX XXXX Account name : XXXX XXXX, Account # : XXXX XXXX Account name : XXXX  XXXX, Account # : XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account name : XXXX XXXX Account # : XXXX XXXX Account name : XXXX, Account # : XXXX XXXX Account name : DEPT OF ED/XXXX, Account # : XXXX XXXX Account XXXX : U S DEPARTMENT OF EDU AFSA, Account XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account # : XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX have 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.

15 U.S.C. 1692c. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt-
Product: Credit card

So on XX/XX/XXXX, I called up Upgrade Card Services and reported I lost my card. I also reported XXXX charges that were unauthorized and the total amount were XXXX. On XX/XX/XXXX, Upgrade replied me an email saying those charges were valid and I had to pay. 
I called in again on XX/XX/XXXX for a re-submit the dispute and was told I would be receive a email for further instruction. 
On XX/XX/XXXX, I hadn't receive any email. So I called Upgrade card services again and check the status for the re-submission. I was told my resubmission on the XXXX didnt even start. I am also was told that the decision for making me to pay those fraud charges were final and couldn't be dispute furthermore. 
CFPB, Please realize those charges happened in XXXX ( base on transaction details ) and I am not in XXXX in that specific timeframe. I have explained this to Upgrade but they just asked me to bear those charges. 
I have also emailed them the police report.
Product: Mortgage

I have a 1st mortgage and 2nd mortgage with CitiBank. I refinanced the 1st mortgage on XX/XX/XXXX. The refinance was to be applied to our 1st mortgage but CitiBank mistakenly paid off our 2nd mortgage. This left me with two 1st mortgages on our primary residence. On XX/XX/XXXX I notified CitiBank about their mistake. 

The error was corrected on XX/XX/XXXX, however CitiBank did not correct the error with the loan processing company XXXX XXXX XXXX XXXX XXXX XXXX ) and now is resulting in derogatory credit reporting on my credit report regarding this account. Citibank has not corrected this reporting to XXXX  and no action has been taken to correct this matter.
Product: Credit reporting or other personal consumer reports

I'm requesting a deletion for the account charged off listed below. XXXX. After checking my most recent report, the updated information stated the account was purchased by XXXX. This account can not be reported as a charge-off on my credit report if the account was sold to another lender.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for a Discover card as I had received numerous mailings via US mail from Discover in which a rate of 14.24 % -17.24 % APR was offered on each occasion. I was content with these presented rates and obviously expected the percentages Discover repeatedly offered when I applied. 

On XX/XX/XXXX I received my Discover card and immediately activated the card while simultaneously discovering that I had been inaccurately given a 19.24 % APR instead of the expected and guaranteed 14.24 % -17.24 % APR! 

At that juncture I instantly contacted Discover and began the attached discussions with Discover member of management, XXXX in an effort to address this matter to no avail. I was also instructed to transmit images of the recent flyer I received that explicitly offered the 14.24 % -17.24 % APR via electronic mail to XXXXXXXXXXXX and oddly, the flyer and my reasonable request to honor the offer was completely refused. I was then instructed to communicate with Discover Cards corporate offices. The attached documentation forwarded to the corporate offices were transmitted via US Certified Mail, signed for, and ultimately completely ignored. I then called Discover at XXXX per their e-mail request. This telephonic conversation resulted in Discover requesting that I fax them the mailed offers from Discover that guaranteed the 14.24 % -17.24 % APR which I did immediately to fax number ( XXXX ) XXXX. Two days later I had to call Discover again  as I received no reply to their requested fax and was told that the reason for this refusal after explaining my circumstances and the NUMEROUS 14.24 % -17.24 % APR offers was that the invitation code was not provided when applying. Where and when was this invitation code supposed to be provided? Most importantly, Discover was OBVIOUSLY comfortable with the repeated APR offers sent to me via US mail over and over again. 

Since Discover has sent me at least six offers and one XX/XX/XXXX and another on XX/XX/XXXX with the exact same 14.24 % -17.24 % APR being guaranteed, why would any code be necessary??? I just can not comprehend how this has occurred and I definitely can not understand why my rate would change on the day I applied but one week prior and several days later I received these flyers via US Mail explicitly offering the 14.24 % -17.24 % APR. 
WHAT IS GOING ON HERE? I definitely feel I was LURED into this card with lower APR offers than Discover evidently planned on providing! This is wrong. 


Finally, I am requesting that Discover please honor the 14.24 % -17.24 % APR REPEATEDLY proposed to me over the past six months. Alternatively, it would be reasonable for Discover to agree to remove all records of this Discover Card including the hard inquiries from the credit reporting bureaus. I know Discover is a good card as I have several friends that absolutely love Discover. I want to LOVE Discover. But I do not need to! 


Thank you for your time and efforts in amicably resolving this unreasonable situation.
Product: Mortgage

BANK OF AMERICA CLAIMS TO BE THE OWNER OF MY MORTGAGE AND SO DOES XXXX XXXX XXXX, BOTH OF THESE ARE LISTED ON MY CREDIT REPORT AS OWNING THE EXACT SAME DEBT, MY HOME IS IN FORECLOSURE FOR NEARLY 4 YEARS NOW AND SET TO BE SOLD ON XXXX/XXXX/15 WITH NEITHER OF THESE ARE THE CREDITOR!!! BOA IS THE PLAINTIFF AND IS UNDER REVIEW WITH XXXX OFFICE.
Product: Debt collection

An agency tried to contact us claiming that a lawsuit was attempted to be filed against me. They claimed that they could not locate me when I have been living at the address for 20 years. I contacted the company who has paperwork with Santander XXXX XXXX and stated that it was for a car, XXXX XXXX XXXX that was repossessed in XXXX. They put it on me and my daughter 's credit report, and when my daughter filed bankruptcy in XXXX it was removed. Now due to the statute of limitations, they are starting to harass me and my daughter claiming documents were sent to my home to mediate and resolve the matter. I told them I have no documents as such, and that what they are doing is illegal when my daughter has filed bankruptcy ( Chapter XXXX ). I asked for them to resend it, but they hung up on me.
Product: Student loan

I went to school to become a XXXX. Once I graduated everything was great. I was working full time and paying everything on time. XX/XX/2011 I got into a bad car accident on my way to work that left my not about to work in my field. Now I would at a desk job not being able to make as much money as I would as an XXXX. As it was I was barely being able to maintain my $ XXXX monthly payments. Just XX/XX/XXXX they raised my bills to {$1400.00} a month. There is no way I can afford that seeing how I only make {$XXXX} every two weeks. I tried talking to them and I have been working with they attorney generals office. All they say is they wo n't lower my payment because my dad cosigned and between the both of use we have good credit and never missed a payment. So instead of helping us because of being good customers they would hurting us. Now my father and I are struggling to make the payments and I am about to default. They would rather see me ruin both my credit and my fathers then to lower my payment and get their money. 

I know I took out the loans and I have no problem paying them back. But life happens and they need to understand. If they just make it reasonable for me to do so I will be more then willing to continue to by my bill on time.
Product: Debt collection

I owe a loan 2 years ago in Tower Loan XXXX. Amounting more than 1000 , admit I have delinquent account to them in XX/XX/XXXX.I moved to XXXX from XXXX in XX/XX/XXXX. From there I never received any demand letter from Tower Loan XXXX, When I check my credit report in XX/XX/XXXX I saw the address tower Loan XXXX XXXX XXXX XXXX MS tell # XXXX .I contacted them to settle this account amounting XXXX $ but they said I do not have the account there I need to call XXXX Tower Loan I called and talk to the manager but said he needs to talk to their lawyer because he do not know how much I owe. They said They will call me back but since then they never called me back and I called the branch many times unfortunately they can not give me any amount I keep on calling on the branch XXXX but still do not have the amount for me to settle the loan amount.Until XX/XX/XXXXI despute the Tower Loan for collection because they can not give me information how can I settle this to the 3 credit bureaus Tower Loan verified that the item is correct so it will remain in my credit history because the company verify it correct as of XX/XX/XXXX. I called the address appeared in my credit report / history the same thing they told me I do not have an account in their office but it was reported in my credit history the address and the amount and when I called Tower Loan again in XXXX they can not provide the amount because they need to talk to their lawyer. I 've been calling them for almost a year to settle the collection appeared in my credit report but Tower Loan XXXX can not provide me the amount and the address appeared in my credit report where I owed a collection/ charge off of XXXX , my account is not listed there and they said that they can not provide me information about my charge off / collection because I do not have account to them. They reported in the 3 credit bereau as of XX/XX/XXXX and verified it correct but when I called them the same thing they will say that I do not have an account from them. Since they can not provide me how much I owe and they are not helping me to settle this account in Tower Loan, I am filling complain against Tower Loan for giving wrong information about my account and the address appear to my credit report they do not have my information and data for the said loan. I even send an email through their website customer service and dispute it to them but no actions were made. I do hope you will help me to erase/delete the wrong information that they put in my credit report.