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

In its response of XX/XX/2019 to my Complaint to CFPB Discover made the following statement ( see the attached file ) : " in some case it is necessary for our Customer Protection Services Department to speak with a customer directly in order to verify activity. '' The requirements that representatives of the Discover Card need to be able to SPEAK directly to a customer is not listed in any of the Discover cards terms of service not explicitly mentioned in any of its other published materials. 

Discover also never stated explicitly that it has requirements for customers to have the ability to maintain direct communication with Discover card representatives in order to received services on the account. Discover never specified for how long a customer is required to have an ability to maintain a direct communication with Discover representatives nor it specified what duration pauses the customer can make during a direct communication session with Discover representatives before Discover will interrupt such communication sessions.
Product: Credit reporting, credit repair services, or other personal consumer reports

About the last 18 months or so I've noticed a bankruptcy on my credit report in a state Ive not lived. Also there were 3 accounts opened in a credit union that I don't remember ever opening. I've tried to deal with this company for months without a resolution. I even sent an affidavit to the NJ courts and asked them if they released any information about me to the credit bureaus after I asked them to launch an investigation. The bureaus said they verified the information to be accurate, how could they do an investigation and state it was mine and the source said they didn't send any information about my name to anyone. The bureaus or any other 3rd parties. I wasn't sure if this was identity theft but I filed a police report because my wallet was stolen a few years back and I had social security card, birth certificate, and driver 's license in side of it.
Product: Student loan

Recently, I received some phone calls from my family members stating that they were being contacted by American Education Services regarding my student loans. I informed my family members that I was up to date on my monthly payments and I had no idea why they were calling you. I have no idea how they got my parent 's and brother 's phone number due to the fact the their were no cosigners and their numbers are not listed on my contact sheet. When my mother spoke with the representative from AES, the representative immediately asked for my SS # and also my mother 's SS #. My mother immediately thought this was a scam and stated that she would not give out that information over the phone. My mother also stated that she should not be contacted since she never cosigned on the loan. The representative stated that my parents did cosign on the loans. That is not a true fact. My parents refused to cosign on these loans. I remember the discussion we had over 10 years ago. After that phone call, my mother decided to research the AES loans I had taken out from XXXX XXXX while in college. During her research, she read quite a few complaints regarding this company and how the loan balances never seem to change. I then realized that I have been paying about {$200.00} every month on these loans since I graduated college on XXXX XXXX, XXXX, over 8 years ago. I looked into my original balance and current balance. I took out XXXX loans from this company during college. The first loan was taken out on XXXX/XXXX/XXXX. The original balance was {$8500.00}, my current balance as of XXXX/XXXX/XXXX has gone up to {$8800.00}. An increase of {$250.00}. I have paid on this every month for 8 years and my balance has gone up. My second loan was given on XXXX/XXXX/XXXX. The original balance was {$2700.00} and my current balance as of XXXX/XXXX/XXXX is {$2600.00}. In 8 years my balance has gone down {$150.00}. The third and final loan was given on XXXX/XXXX/XXXX. The original balance was {$11000.00}. As of XXXX/XXXX/XXXX, my current balance is {$9200.00}. It has decreased {$1900.00} during my 8 years of payments. The fact that I have consistently paid on these student loans for 8 years, only to see that the interest rates have been raised so frequently that one loan has actually increased in balance is very discouraging. Personally, AES is only one of my student loan payments. I currently pay {$920.00} per on student loans, both federal and private loans. I graduated 8 years ago and I am trying to be a responsible citizen by paying my loans every month. At times, I have worked XXXX jobs to make sure all my bills were paid. Personally, I think it is an injustice the way that AES is constantly increasing the interest rates and also harassing my family members that have nothing to do with these loans.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the items in my file that resulted from an incorrect credit report details but I have ITEMS left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an erroneous credit information, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$720.00} -- -- -- -- -Equifax : XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXXlance Owed : {$720.00} XXXX XX/XX/year> -- -- -- -- -XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX XXXX Balance XXXX : {$720.00}. Please note that you have XXXX business days to remove the reporting of any items in my credit file that resulted from an erroneous credit information. I do not consent to XXXX or any means of automated verification. I acknowledge your immediate attention to this matter and response within XXXX business days.
Product: Debt collection

PLEASE REMOVE THE FOLLOWING COLLECTIONS AND CHARGE-OFF FROM MY CREDIT REPORT. THESE ACCOUNTS WERE REPORTED INACCURATELY AND HAVE SIGNIFICANTLY IMPACTED MY CREDIT SCORE.
Product: Student loan

I know the annual process of ibr takes time so I started my renewal three months early in XXXX of 2015 with fedloan servicing.. After 5 resubmitted applications and filling the last two out with the phone operator, and calling to make sure things were good they still say I 'm declined.. I believe my actions show I want to make my payments but they do not want to work within the government guidelines on ibr and pay as you earn.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a {$6000.00} back in 2000 and had to pay {$4000.00} in interest and principal fees and hidden costs. This is outrageous and should be investigate by a third party committee because it should be illegal to charge that much for a loan which I struggle to pay off. This company is highly predatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  XXXX  ACCOUNT NUMBER XXXX, XXXX, XXXX  XXXX, ACCOUNT NUMBER XXXX, XXXX XXXX, XXXX, XXXX, ACCOUNT NUMBER 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

I currently lease two XXXX  cars and during my almost 3-year term all goes smooth. On month # 30, end of XXXX I get hospitalized and I miss a payment. After 5 days I realized I had to pay and I went ahead to bring my account current, with penalties. Mid XXXX my credit score dropped 65 points! I called BMW finance and explain the situation, I am told they can't discuss or resolve over the phone but to email/fax documentation as medical would be an exception to look into and adjust my credit back. I sent pages of medical documentation ( E.R, family doctor etc. ) Three weeks after I received a letter from BMW finance saying " documentation is NOT sufficient '' and credit will not be adjusted back. They did not provide any reasons nor they included what needs to be provided to be " excused ''. How can human beings not be sick and not ruining their financial life. This is absurd. I will pursue this to any extent of the law it allows citizens to do so. Never mind, I have leased 7 cars and been a good customers, never late payment etc. you get seriously sick and now can't get a business loan, refinance etc. What's the reason documents from hospital and doctors were not accepted, why this credit can't be adjusted back, why they refuse to speak over the phone and they have the unilaterl right to report consumers and ruin people life to the credit bureaus? Absolutely illegal! and I have leased two cars so the reports hit me twice!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information without my knowledge or permission. I have contacted credit one but they are not wanting to change anything. 

XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX Services XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I have tried numerous times to contact XXXX XXXX XXXX  but I have not been able reach anyone and the hold times are ridiculous. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with a rep named XXXX who told me that they would not be willing to change their reporting. 

XXXX XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. I spoke with 2 different reps about 3 weeks apart from each other ; yet each time I've been told that someone would be getting back with me in which case they have yet to do so. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I am a victim of identity theft. On XX/XX/XXXX my information was fraudulently used without my knowledge or permission. The hold times are ridiculous. 

XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never even applied for this account. XXXX XXXX will not change their reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I do not recognize nor have I applied for anything with this lender. They claim to have done an investigation but I have yet to hear anything back. 

XXXX XX/XX/XXXX Hard Inquiry I am a victim of identity theft. On XX/XX/XXXX someone fraudulently used my information. I have never applied for anything with this lender. I keep getting the run around when trying to effectively communicate. They aren't willing to work with me.
Product: Credit card

I opened a Citi Double Cash card in XXXX I got a confirmation email that I was approved and my card would arrive XXXX days. I never received a card in the mail. I contacted citi via phone and cleared that there were several charges and a balance transfer to my account. I never made any purchases or balance transfers to the account, I never received the card. I went through the charges with the citi rep and was told I would not be responsible for the unauthorized charges and a new card would be sent. I received my new card and had to call citi customer service to activate and setup online access. I can now see that the balance transfer is still on my account. I have called citi customer service and was I formed I would be getting a letter with additional information on the balance transfer, I have not gotten any notice in the mail and there are no documents that I can view online.
Product: Debt collection

On XX/XX/year> I purchased a mattress from Mattress Firm at {$2000.00}. Apparently, I had 48 months to pay it off before the interest kicked in. 

In late XXXX I noticed my minimum due increased from $ XXXX to XXXX, a payment I wouldn't be able to afford. Alarmed, I called Synchrony early XXXX and the representative explained that the 48 month period just expired. This representative offered me a deal : If I paid {$1100.00} while I still only owed {$1200.00}, then they would be satisfied. Were I to have waited past the end of XXXX I would have owed {$2600.00}. 

This was a XXXX alarm fire for me because I still make little more than XXXX at this point. Thankfully my state tax returns could be allocated to pay the {$1100.00} owed on the mattress. Feeling extorted, I had to borrow from family to make rent that month and the damage and resulting fallout with my relatives is ongoing. 

Nonetheless, I contacted Synchrony explained the deal I had been quoted, and they adjusted the payment to {$1200.00} before the end of XXXX. This should have been the end of it. 

Last month I got [ Fraudulent ] notification that I still had monthly payments to make towards an inflated balance. [ see incorrect min due attachment ]. I called Synchrony and was 'gaslighted ' to the effect as if I still owed money-as though I had not taken the deal and paid that {$1100.00} bumped up to {$1200.00}. 

I believe that when confirming my info, the Syncrony agent/debt collector heard my XXXX XXXX XXXX suffix and simply 'decided ' he could go after me for commission for this money that was no longer owed.
Product: Debt collection

This company The XXXX is showing up on my credit report as I owed them. I have never lived there or been there I don't know if this is a mistake or identity theft but we need to have this removed and provide me with any documents so that i can further prevent this. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

a copy of the credit report showing the past due balance of {$25000.00} to Regional Acceptance Corp. Their phone # is ( XXXX ) XXXX. After a XXXX XXXX was filed in 2014. Why is it showing on my credit report past due? Car was returned.
Product: Debt collection

I have an active account with this Conns XXXX XXXX company. The account is NOT more than 30-days past due. If my account goes one day delinquent the company calls my place of employment at least 15-20 times per day starting as early as XXXX to XXXX. I have asked verbally that they remove my work number from their files as I am unable to receive these types of calls at work. I would like for them to cease and desist all communication via phone because it is annoying. I would like to only communicate with them via mail correspondence. The phone calls are unrelenting from day to day causing disruption in my work performance and personal life. The calls are continuous in nature with intent to harass over a {$130.00} past due balance, They have also authorized payment out of my account that I did not authorize, after I manually removed the automatic payment method from my account. They have removed the option for me to update my banking information on file so that they can't use the information on file. Although, I have contacted my bank regarding the unauthorized Customer Service payment that I did not authorize last month. This month, they still attempted to use my personal banking information some how to process the payment on their own free-will when I did not authorize and removed the automatic payment method on my account so that they would not have access to my banking information. I do not want them harassing me at work or at home over a debt they say I owe that's not more than 0 days late in an attempt to force me to pay. I want them to cease and desist from calling me at work 20 times per day and at home. Communication going forward should be through the mail service.
Product: Checking or savings account

I was charged several different amounts over the years XXXX and XXXX for overdraft fees that occurred without my consent. I was charged several fees for overdraft when money was deposited into my account at Navy Federal. An overdraft occurred that I didnt give consent for and my account was closed. This incident closed my account with a negative balance that reported to my credit report. Causing a drastic decrease in my credit score.
Product: Debt collection

I discovered a collections account had been added to my credit score under a previous legal name ; I disputed with the credit reporting agencies, and several times with the debt collection agency directly, asking to be put in touch with someone who handles fraud - yet they maintain that the debt is accurate and provide no information on how I might send documents to challenge the claim.

After months of dealing with the accounts impact to my credit score I finally received a page of information detailing how the account was opened. The information provided to open the account can be determined as fraudulent within seconds because the number generation system that is used for Illinois drivers licenses could not have produced the ID number provided given my name and date of birth. 

I continue to ask where I can send copies of my actual license to verify this discrepancy and I am given fax numbers that are not operational and no clear answers on who specifically I need to contact to dispute this obvious issue of fraud that should have been spotted before the account was ever opened.
Product: Credit reporting or other personal consumer reports

I've reported this XXXX account over 10 times! It's not mine I didn't authorize the opening of the account nor did I have any knowledge of the account. I've provided countless documents proving over the last 3-4 yrs my personal information has been compromised by individuals as well as big companies. My new issue is the account was CHARGED OFF now opened again and reporting again after the CHARGE OFF WHICH IS ILLEGAL Once an account is marked charged off it should not be repeated for several months extending the statue of limitations The information is different and inaccurate across each credit company Pass due amounts are inaccurate Inconsistent information
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>
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 Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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: Mortgage

I have my mortgage with Flagstar Bank. We are behind on our payments due to illness. But they are working with us. In the mean time, I keep getting calls from someone who claims they are with Flagstar and telling me I have to send them money before the end of the business day to avoid foreclosure. They want it sent as a money order via XXXX XXXX. I have spoken with Flagstar and they have assured me that these people are not connected with them and that they dont conduct business that way. 
They call me at least twice a week and leave messages. They called me yesterday and again today. The number they call from is XXXX. The number they want me to call is XXXX. I dont want to report Flagstar as they have been nothing but helpful. I just want something done about these scammers. I realized it was a scam before it was too late. Someone else might not.
Product: Bank account or service

Since filing an initial complaint against SunTrust bank to CFPB, I have encountered another major problem with the same bank. After Suntrust closed my bank account on Monday, XXXX XXXX, 2015, I was scheduled to have my social security XXXX check direct deposited into the account and Suntrust is refusing to release my XXXX funds and any other funds I already had in my account. Since filing my original claim with CFPB, received a letter from the bank stating the checks they are investigating are being held until XXXX XXXX, 2015, it does not state the bank will hold any other funds. I have spoken with a few people at Suntrust who have tried to possibly help me but have said there is nothing they can do and I will not be able to make any withdrawals. No one involved in this investigation at the bank has contacted me, I did not receive any notification that my account would be closed nor am I able to speak with anyone in their fraud department. I have had this account around four years and never had an issue like this until I complained about not receiving credit for a transaction dispute and told them I would be closing my account at the end of the month. What I am going through I feel is financial retaliation. I desperately need help because Suntrust is not giving me any kind of timeline for releasing my social security money which is my only income.