23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Due to the pandemic, I have been unable to work my second job. As such my Discover student loans fell behind. Recently within the last few weeks, I have secured secondary employment to supplement my income. I had previously made payment arrangements for a single monthly payment that had cleared on XX/XX/XXXX. After this payment was applied it was found one of my loans had a different delinquency from the other loans. As such, when establishing a payment plan to catch up the payments, an additional payment was scheduled to catch up the out lying loan. The first of payment of the plan and the additional payment are scheduled to process on XX/XX/XXXX. 

While previously setting up these payments and knowing what I could afford my mother and I both would receive nearly daily emails from XXXX claiming to be from Discover and collecting on these loans. It was explained to me that these were system generated emails and after all arrangements were setup the emails would stop. 

All arrangements were setup on XX/XX/XXXX ; the emails stopped for approximately two business days. On XX/XX/XXXX, the emails resumed. In this set of emails however, the email I received had the balance due and the amount past due transposed from those in the email my mother recieved. To this date, no one at Discover has been able to confirm that these emails infact came from Discover. Because the number listed in the email is listed nowhere on Discover 's site nor seemed to have a connection with Discover from a web search, as someone who previously had their identity stolen I was not comfortable with calling the number listed. As such all communication has been directly through the Discover Student Loan 's primary number. 

In all communications it was obvious " the left hand didn't know what the right had was doing. '' Stories would change, on one call that lasted over an hour, the agent seemed completely oblivious to the account and payment status. Saying that she had to do some calculations because something didn't look right. 

After applying the payment on the XX/XX/XXXX, I was able to determine in less than XXXX XXXX that the discrepancy was due to the mismatch in delinquency across the accounts. The majority of representatives have been rude and argumentative in nearly every interaction I have had with Discover. While yes I have been upset, not once have was I ever disrespectful toward the agents. I have spent over 15 years in customer service and for me to become upset regarding interatcations with agents, there is good reason. I make every attempt to remain professional with the agents, however when they flat out lie and are disrespectful, it is to be expected the situation will escalate. Agents should always remember the customer isn't usually upset with them, they are upset with the situation. A customer service professional should be able to de-escalate the situation. Coming back at the customer with arguements and excuses are like putting small puffs of air into a balloon until eventually that balloon just pops.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX is not allocating my payments correctly. 
They refuse to send statements showing payments I made on account. 

I called and their excuse is due to high interest loan I was charged. 

I received a statement on XX/XX/2019. Not listing my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 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.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. 
XXXX XXXX XXXX XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX  XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for credit inquiries to be removed from the 3 credit bureaus and I was denied to have them removed. I understand my consumer laws and wish that the financial institutions do not share my inquiries to the 3 credit bureaus. I was not asked for permission for the information to be shared. I have no accounts with these inquiries below. 


According to Consumer Report and Information Sharing- Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) states I have rights.

15 U.S.C 6801- privacy obligations, financial institutions have an ongoing obligation to protect my information without my sole permission.

15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 .U.S.C . 6802 ( A-C ) states I have rights. I was never told these inquiries were gon na report or asked do I want them reported.

Account names : 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: Credit reporting, credit repair services, or other personal consumer reports

On experian report a company called  XXXX   XXXX   XXXX  put something on my report in error. I have resolved issue with   XXXX   XXXX   XXXX   they sent me letter saying they would have it removed. i also sent letter and dispute to experian and the results per Report Number :  XXXX  on  XXXX / XXXX / 2017  was that the information remains. This information should not be reporting and i did submit the documentation from   XXXX   XXXX
Product: Money transfer, virtual currency, or money service

A girl messaged me on XXXX pretending to help with investments said I had to pay fees n I will receive {$5000.00} I ended up paying {$1100.00} in fees and still havent received anything. This person is still messaging me trying to pressure me into paying more fees and that I will get XXXX.
Product: Credit card

I received correspondence about a balance transfer promotion for my Citibank XXXX XXXX credit Thank You credit card. The promo offer was to transfer the BALANCE as of a certain date and pay a lower XXXX interest rate for XXXX months on the transferred balance, after which date, the interest rate would revert back to the original variable XXXX % APR. 
There was no other explanation as to how the promo offer would work and no explanation as to the impact on the credit card credit limit and available credit. 
Based on the limited information sent to me and on-line, my understanding was that my then current balance {$1800.00} plus pending transactions of {$1300.00} would be transferred and subject to XXXX % interest rate for repayment until XX/XX/2025. At no time was it explained that this was really a loan against my available credit limit of {$6800.00} which I had planned to use for some home improvement. 
Citibank transferred the above referenced balance which was approx. {$3500.00} to my checking account which I believed I would be paying back at XXXX % interest with my line of credit in tact. To my surprise and dismay, Citibank added the balance transfer and available credit reducing my credit limit to XXXX. This was nothing more than a loan disguised as a balance transfer and I want my credit limit restored to what it was and my available credit restored. I thought the transferred balance would be a separate accounting or whatever on my card. It was not explained that it would be debited against my available credit thus reducing or eliminating my available credit and credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has received requests from me to remove inaccurate info on my credit report. This information includes false addresses as well as accounts Ive never had an association with. This leads to them asking security questions which I can not answer because they are not related to me or my credit history. I was a victim of XXXX data breach and am sure this is where fraudulent activity occurred on my report. I called to have some inaccuracies removed and they agreed. Well, the inaccurate info still remains. In the process of validating my personal information, they ask questions that I cant answer because, once again, I have no connection to this false information. I have now been locked out of the site. I am a XXXX person on Social Security XXXX and because of their inability or incompetence to fix incorrect information, I can not receive a service I require. My file has been frozen and a temporary fraud alert placed on all three credit bureaus because of XXXX breach. I have never had issues with XXXX and XXXX reporting false info. Transunion is the only bureau showing this inaccurate and false info on my report. After multiple attempts to get them to correct these issues, they still remain. I will be filing legal action and will be sending a demand letter to them if I do not get a satisfactory resolution to this problem this time. I filed a complaint with XXXX and the company didnt offer a satisfactory resolution through them. They need to correct the issues immediately! Theyve played around long enough. I was a victim of XXXX data breach and dont need to be re-victimized by Transunions incompetence. My name is XXXX XXXX XXXX and phone number is XXXX. Email is XXXX Thank you.
Product: Credit card

15 USC 1691 and CFR 1002 You can be denied credit due to credit score or credit history or income. Anyone adverse actions in a consumer credit transaction is illegal. I put in two applications with DISCOVER and got denied twice.
Product: Credit card or prepaid card

Company costumer service had mislead me into not making a payment to pay off promotional purchase before it lapsed. Had me wait months ( told me to wait 1-2 cycles ). Costumer service also mislead me into thinking if I paid the {$900.00}, to get rid of it... did not. 

I inquired XX/XX/XXXX and XX/XX/XXXX was told to wait. Contacted XX/XX/XXXX
Product: Checking or savings account

My card was stolen and use to make withdrawals and also someone made unauthorized transactions on my account from a different state and left me completely broke. And I am so depressed due to this issue. I reported it to my bank and they havent done anything about the situation
Product: Student loan

I went online to access my records to print as I just saw online that Navient Corporation is exiting the Student Loan Servicing Program. I wanted to print all records to my account, to only see 2 items in the inbox and no correspondence from the previous years that Navient has sent and that I have sent to Navient. Inbox looks like it has been wiped clean from records. I would like to print all history of communication for my records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been getting the run around. My credit card statement generated on XX/XX/2018. 
The credit report should have been updated the following business day XX/XX/2018 to reflect my new credit card balance. My credit card is paid down close to zero balance, but it has yet to be updated. When I contacted TransUnion, they advised that the report was updated on XX/XX/XXXX. This isn't accurate. 

When I contacted XXXX XXXX, they advised to contact TransUnion. I'm in the process of buying a home and the maxed out credit card status is preventing me from doing so.
Product: Credit card or prepaid card

Each month I pay my credit card balance in full, sometimes above and beyond the " statement balance ''. In XXXX, I used my rewards to pay my balance in full. In XXXX my account shows past due with a {$25.00} late fee assessed. When I contacted BOA they told me that I had to pay the minimum balance due. I paid the balance in full. They said I still had to pay the minimum balance due showing on my statement. Therefore, since I did not pay the " minimum balance due '' of {$25.00}, I was late and assessed a late charge. They did remove the late charge but this will be a ding on my credit showing a late payment. BOA said that I have to contact the credit bureau 's to have it removed. I certainly understand having to pay a minimum amount due or be charged a late fee, but if the statement is paid in full I should not be required to pay above and beyond that or be considered 'late '. BOA should correct the 'late ' payment and be sure that is not reflected on my credit.
Product: Money transfer, virtual currency, or money service

I opened a paypal account in XXXX of this year and linked it to my checking account. unfortunately, before I could even use the account for what I intended... someone fraudulently took money from my account through paypal XXXX. On XX/XX/XXXX " XXXX '' took {$500.00} and then {$200.00}. The name of the recipient was listed as XXXX XXXX XXXX and the listed email is XXXX. I attempted to request the money back by messaging through paypal telling him that the fbi  would get him if the money was not returned and the reply I received was " Hello, good afternoon. I hope you are well. I will tell you that your payment was for technological items and the shipment was made the day after payment. If you have any major problem, tell me and we can come up with a solution, since your payment was directly from your Mind you, can you tell me what happened in more detail? '' which was very untrue, I never received anything from this person or website. Now when I tried to respond to this message, it says I am no longer able to message them... very suspect. I have attempted to dispute these transactions twice with paypal and on both occasions, my dispute was closed without satisfactory explanation. The first dispute was closed stating a " history of similar transactions. '' The account was just opened and there were no transactions prior to or after these XXXX fraudulent charges. I then had the dispute reopened, only to have to contact paypal a week after their deadline for resolution and find out the dispute was closed without any notification. After contacting paypal, I was told that I could request the documents used to determine their decision, which have done, but don't expect much help from paypal. I'm at a loss of what to do with this grossly fraudulent situation. I will definitely no longer give anyone access to my account but being a poor college student, {$700.00} is a lot of money... thank you for any help I can get with this fraud.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report from Experian and identified inaccurate hard inquiries listed on my file. I did not authorize or recognize the following inquiries : XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX. XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX XXXX, XXXX XXXX - Inquiry Date : XX/XX/year> XXXX. XXXX XXXX - Inquiry Date : XX/XX/year> These inquiries were made without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 1681b ), no entity is allowed to access my credit report without a permissible purpose or my explicit authorization. 

I contacted Experian directly and requested an investigation and removal of these inquiries if no authorization or permissible purpose could be verified. However, I have not received a satisfactory resolution.
Product: Vehicle loan or lease

I filed a petition with the court for XXXX XXXX XXXX in XXXX of XXXX. All of my creditors were notified, including Regional Acceptance Corporation that held the XXXX for a truck that i purchased. My bankruptcy was paid out and XXXX successfully in XXXX of XXXX. Regional Acceptance Corporation was notified electronically. Today, i received a XXXX for the car that I surrendered in bankruptcy to them and approved by the court. They reported the difference as income to the IRS and state of Tennessee. This is a factual lie. This was XXXX via XXXX XXXX XXXX, and I demand a corrected XXXX be issued immediately to the IRS, state of Tennessee and myself.
Product: Debt or credit management

I am disputing the collection account reported by RESURGENT/LVNV FUNDING with a balance of {$1600.00}, as this account is currently being managed by XXXX XXXX XXXX , where I have been making timely payments.
Product: Mortgage

I am submitting a complaint about bank of america, XXXX which i submitted earlier but the attachments did not attach and therefore the response from the bank of america attorney stated my claims were not factually sound and they are factually sound and the evidence proves they are. Therefore, I am resubmitting the complaint because the evidence was not attached the first time. Bank of america is responsible for the loss of my home due to a fraudulent foreclosure. They knowingly lied to the DAs and homeowners and knowingly gave defective and falsified documents to XXXX ( among others ) so they could foreclose on homeowners using mortgage notes that had falsified endorsements added to them XXXX, XXXX plus years after they should have been endorsed. This is a criminal attempt to better their record to create after the fact evidence to to falsely prove they, along w/XXXX ( nka XXXX ) are the holders of the notes and mortgages in an ongoing fraud upon homeowners. The attorney also provided a copy of a loan application. THat loan application is different than what bank of america gave to green tree, who mailed me a copy that was different. The XXXX green tree sent to me has an added bonus to salary, an added year to length of employment and has changed the reason for the loan to home improvement. That is not what was given to me at settlement, and the one they sent me should n't even exist as I did not give my permission or did I have any knowledge that someone changed it or of its existence. Bank of america also, through the use of an invalid, void assignment that names a bank that was out of business and taken over by the fdic at the time, and is robosigned, used that as another piece of fraudulent evidence against me which caused me to lose my home. SO they have falsified a security instrument by forging the homeowners name and adding falsified endorsements to falsely show they have to right to foreclose on homeowners that have been nothing but lied to by them. THe CFPB needs to step in and do something to make bank of america fully compensate those that have been injured by these criminals. I am attaching the copy of the note from XX/XX/XXXX that was submitted to the court by BOA attorneys and that note has NO ENDORSEMENTS whatsoever. Those endorsements would have been there in XX/XX/XXXX, yet they are not there in XX/XX/XXXX, they are not there in XX/XX/XXXX per a correspondence sent to me from Bank of america. I am also attaching the signature sheet of what is supposed to be the same exact note as in XX/XX/XXXX, but now there are " ta-da '' endorsements. They suddenly appear in XX/XX/XXXX, 8 years AFTER they would have been there if they were indeed genuine. The difference in the signature of XXXX XXXX is also notably different, proving that bank of america is involved in forging and altering of legal documents and then using those falsified documents as evidence to steal homes.
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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.