23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I attempted to consolidate my loans with a single provider to better manage my payments. Without my permission or consent, Discover withheld the loan they service from the consolidation. I am now facing hardship making my payments, and Discover has offered no recourse. I am frustrated that when I tried to consolidate my loan away from them, they took advantage of a loophole to avoid accepting payment from my consolidation loan provider and continue to hold my loan despite my wish to consolidate. Discover did this without my consent, and now I have learned that in order to include this loan in the consolidation, I must reapply for a consolidation and begin the whole process again from the beginning! It 's doubly frustrating because I never chose to do business with Discover in the first place ; they bought my loan from XXXX, and have now bullied me into keeping my loan with them. I do not understand how they were able to withhold my loan from the consolidation and think it is unfair that I have to pay the consequences of their predatory actions. I wish for Discover to cooperate with me in my attempt to consolidate my loan with XXXX.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/2023 to XXXX, transunion, and XXXX. Here is my tracking number : XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 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.
Product: Debt collection

Account number XXXX Collection opened XX/XX/2020 Account type Collection Payment Info Original balance {$1300.00} Balance {$1300.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Product: Credit reporting or other personal consumer reports

There is about XXXX Hard Inquiry Experian unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act these companies didnt have my permission to run my credit and I dont have credit with theses companies I contact XXXX they saiid the companies need to take it off and I try to contact these companies and got voicemail only
Product: Mortgage

I have had a morgage with PNC for many years - recently I am going through a bankruptcy and was required to do a modification on the loan as i was behind several payments and needed to get the arrearage put back in loan and perhaps lower the interest I have submitted a XXXX page document with everything required then PNC said that the didnt receive a whole bunch of documents that i clearly had faxed to them so I resent all required documents by certified mail signed receipt required - i received the signed receipt back from PNC after several weeks i didnt hear from them so i called them and they said that they never got anything but that they could not contact me as im in bankruptcy PNC is trying to foreclose on this loan and yet every time i submit documents they say they didnt receive them! 
they also said that they sent a letter to the trustee of the court letting them know what they needed - but the trustee of the court is not the correct place to send that letter - they need to send it to me and my BK attorney they keep saying they cant/ wont talk with me as im in XXXX XXXX my BK attorney has sent them several letters giving them permission to talk directly with me they have now rejected the modification that i submitted XXXX plus pages of paperwork for based on " not getting required documentation " and that i have to resubmit everything frrom scratch eventhough they have a lot of the documentation already on the XX/XX/XXXX there will be a hearing to foreclose on my loan so i am scrambling to get all paperwork together again! 
i can only think that they are either very inefficient and sign for documents that dont make it into the right department, their emploees do ot know what they are doing as the give me incorrect information or they are manipulating things to deliberately prevent me from getting a modification review so they can foreclose i recently made a payment of XXXX $ to start clearing up my arrearage but they show no kind of helfulness at all to help me in the process of getting the documents to them - in fact they make it as difficult as possible every time i speak to someone there they tell me something different -in deed- last week they told me they had all the paperwork / this week they say they didnt get it! 
i left a long message to a supervisor on monday asking for help to clarify things -today is wednesday havent heard back - i refuse to lose my home because of their communication issues i need someone to help me get a handle on the situation
Product: Debt collection

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, Arstrat is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. A collection letter from Arstrat dated XX/XX/XXXX was revecied at my home. on XX/XX/XXXX I sent a debt validation letter. 
This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated with this account of which I am alleged to be a party. 

This is also a Notice exercising my rights to prevent the processing of my personal data by Arstrat. Please be advised that providing a memorandum or other statement from your agency, stating that Arstrat the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report if reporting. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA. On XX/XX/XXXX and XXXX a cease and desist was sent to Arstrat from communicating through any and all mediums. Arstrat has shown willful non compliance after receiving a cease and desist and still continuing to harass me with collection attempts.
Product: Credit reporting or other personal consumer reports

with EQUIFAX I am disputing any errors or omissions in reporting required by FCRA section 611 ( 15 U.S.C. 1681 ) and XXXX XXXX compliance criteria. In order to comply with FCRA and XXXX XXXX compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently and as of now! I will also need you to investigate the origins of each account and guarantee that each creditor has a legitimate basis for all queries on my credit record. If you are not able to do so, then I will need to pursue legal action. I have attached documentaion with my dispute on this account as well as my ID and address verification.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX Balance : {$5200.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX Balance : {$2000.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX/XXXX  Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my student loan late for XXXX and XX/XX/XXXX. 
1. ) I was in school so my loan should have been in deferment. 
2. ) I received ZERO notification from XXXX during the first 90 days of the pandemic. No Phone Call, No Email, No US Mail. 
3. ) The Cares Act signed into Law XX/XX/XXXX States that XXXX XXXX XXXX can not report late from XX/XX/XXXX and XX/XX/XXXX 2021
Product: Debt collection

I received a letter stating I owed a debt and this was the first notice I have ever received on the matter. The letter just states that I owe a debt, it does not include a date of service or any helpful information to help me do my research. I have a family member who experienced the same thing and am starting to suspect this is a tactic to gain additional interest. I ca n't help but wonder how many other people are paying outrageous amounts of interest due to never being notified that anything was owed. Though at this point, I can not even verify I owe anything as I was n't given any information. The letter is from an attorney, which I believe is meant to be a scare tactic ; but the amount is so high, I just ca n't believe it is a true debt. I think their business practices should be looked at more closely. I sent the attached letter to the collector as well via certified mail. I waited a week to submit my complaint.
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts to resolve the issue of fraudulent inquiries on my consumer report, I have not achieved a satisfactory outcome. These inquiries are not related to me, and I am not responsible for them. Their presence has caused me significant mental and financial distress. As a victim of identity theft, I may have no choice but to consider legal action if this matter is not addressed appropriately. The inaccuracies on my consumer report have severely impacted my ability to purchase my dream home and support my family. For your reference, I have attached a copy of my previous letter to the Federal Trade Commission ( FTC ), which outlines this issue and requests a resolution.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of Estoppel of silence, XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX, XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists pursuant to 15 USC 1681e ( b ). I owe no debt, this company is violating my consumer rights to privacy pursuant to 15 USC 1681-B2 company has NO PERMISSION to report my information per 15 USC 1681e ( b ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please remove the following items immediately : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed this issue with this CRA and its still on my credit profile. Reference numbers XXXX, XXXX, and XXXX. I believe this credit reporting agency did not legally obtain this information to add these derogatory marks. This is not my accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just recently, my credit score was greatly impacted from an inaccurate balance increase on my XXXX XXXX credit card this is causing me hardship and a stressful experience. 
This is the law and i want this resolved from reporting on all XXXX of my credit profiles from each bureau. Iv'e been charged interest rates that's been showing on my credit report as well. According to 15 USC 1681a ( 2 ) ( i ) Exclusions-Except as provided in paragragh ( 3 ) the term " consumer report '' does not include- ( a ) subject to section 1681s-3 of this title, an- ( i ) report containing information solely as to Transactions or Experiences between the consumer and the person making the report. These bluntly remarks are causing me denial of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2017, XXXX XXXX and national credit systems say i owe {$23000.00} dollars when i don't. As a result i have been denied XXXX mortgages. I filed XXXX disputes with XXXX   and XXXX and supplied court documents. XXXX removed that alleged debt from my credit report. The debt is not mine, and/or not truthful. I even submitted the court documents to XXXX and XXXX and national credit ststems. I have no judgements against me from anyone. 

The refuse to remove it.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint regarding incorrect negative information on my TransUnion credit report. Despite multiple disputes, TransUnion continues to report a bankruptcy filing from XX/XX/XXXX, reference number XXXX that does not belong to me. 

This false bankruptcy information is severely impacting my credit score and ability to obtain credit. I have contacted TransUnion multiple times to dispute this incorrect information, most recently on XX/XX/XXXX, but they have failed to adequately investigate and remove it from my report. 

TransUnion claims they verified this bankruptcy information with their subsidiary XXXX. They also stated that it was verified with XXXX. However, when I contacted XXXX and XXXX directly, they stated they had no bankruptcy records for me at all. Additionally, the court of Maryland confirmed they do not report bankruptcies to credit bureaus. I have also attached a letter that I received from the United States Bankruptcy Court District Court of Maryland. It CLEARLY states that bankruptcies are not reported to the credit bureaus. Also, PACER does not report to the credit bureaus either. I have ALSO attached a screenshot DIRECTLY FROM THEIR WEBSITE stating that. 

I have provided TransUnion with all relevant information to prove this bankruptcy filing is fraudulent, including my full legal name, SSN, current and previous addresses, and statements that I have never filed for bankruptcy. However, they refuse to remove this damaging information from my credit file. 

I am prepared to take legal action if necessary. I am requesting that the CFPB assist me in getting TransUnion to properly investigate this bankruptcy listing and permanently delete it from my credit report and any other necessary remedies to restore my credit score from this false information they are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX AN # XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Mortgage

Closed escrow on my first home in XX/XX/XXXX. I paid a large amount for my escrow account and payments to be handled in a professional manner. In or around XX/XX/XXXX, I was contacted by Primary Residential Mortgage Company of an escrow shortage not forseen earlier in the year. My payment would go from $ XXXX/mo to $ XXXX/mo for one year to replenish the escrow account. In or around XX/XX/XXXX/XX/XX/XXXX I received another letter after numerous attempts to get additional information about the shortage by calling to no avail. The next letter from Primary Residential Mortgage Company stated that once again there is a shortage in the escrow account and my payment would pretty much remain the same for calendar year XX/XX/XXXX. We contacted Primary Residential Mortgage Company executive offices in XX/XX/XXXX to request a complete audit on the mortgage from it 's inception and was told it would be completed in approximately 2 days. On the phone with XXXX XXXX, Primary Residential Mortgage Company executive offices, the call was dropped and she never attempted to call back even after several messages were left between XXXX 's number and the CEO 's secretary 's number, I believe her name was XXXX. We did receive a letter stating a separate audit was completed on this mortgage on XX/XX/XXXX stating there were errors found and that we would receive a refund, we do not recall ever receiving the refund. It is my belief that if Primary Residential Mortgage Company can not accurately account for the escrow accounts of their customers without breaking their savings account in the process, for services paid for and rendered, Primary Residential Mortgage Company should have to compensate for such a radical error. Especially on someone 's first home buying experience which has now turned into a nightmare with a mortgage company who could careless about the younger generation and how business is to be conducted.
Product: Money transfer, virtual currency, or money service

XXXX XXXX DEPARTMENT UNEMPLOYMENT BENEFITS ARE COOPERATING IN A NEGLIGENT MANNER IN REGRDS WITH MY UNEMPLOYMENT CLAIMS THEY HAVE HIRED XXXX  TO WORK AS XXXX CUSTOMNER SERVICE EMPLOYEES AT LOCATION LOCATED AT XXXX XXXX XXXX XXXX XXXX XXXX  XXXX THEY HAVE MISTREATED ME SEVERALK OF TIMES AND GIVEN ME A REAL DIFFICUKLT TIME I HAVE TO GO THERE MORE THAN A COUPLE OF TIMES TO INQUIRY ABOUT MY BENEFITS AND OR WHY I HAVENT RECEIEVD AFTER XXXX AUTOMATED SYSTEM INFORMS ME OF MY DIRECT DEPOSITS ALSO AFTER A HAVE A HEARINMHEARD AND I GET GRANTED MY BENEFITS I DONT RECIEVE THEM I HAVE COMPLAINED TO CORRESPONDING BANK WHO IS IN CHARGE OF HAVIN GTHE MONEY IN MY ACCOUNT AND INSTEAD OF TAKING ME SERIOUS THEY CLOSE MY ACCOUNT LIKE THEY HAVE EVERY OTHER BANK ACCOUNT EXAMPLE XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  THEY ARE COMMITING FRAUS AND STEALING MONEY FROM ME ON SEVERAL OCCASSIONS I HAVE COMPLAINED TO THE STATE BAR FOR ALLOWING ATTORNEYS TO TREAT PEOPLE THIS WAY I DONT HAVE ANY COMMITMENTS TO ANYONE TO BE TREATED THIS WAY THEY ARE REALLY STEALING MY LITTLE INCOME THAT I GET. THEY ARE RELALY ALLOWING XXXX  TO TREAT ME LIKE XXXX  SIO THEY CAN GET AWAY WITH CRIMES AGAINST ME, PEOPLE ARE SPEAKING AND PROVIDING FRAUDALENT INFORMATION ABOUT ME TO OTHER BUSINESS FOR THEIR OWN BENEFITING OF THIS FRAUDALENT ACTIVITIES BY IMPERSONATORS LAW ENFORCEMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently information from a internet monitoring service fraudulent accounts was open, misspelling on my name and wrong addresses.
Product: Debt collection

The first known incident, occurs from an authorized account opened in XX/XX/XXXX in XXXX XXXX XXXX Nevada. Corporation name was XXXX XXXX. As of XX/XX/XXXX the debt was unpaid and thus issued to collections. The age of the victim at time of theft - was age XXXX. The victim whom of which personal information was used to process all of the following accounts, was born in the year XXXX. Clearly there was no authorization that was provided, NOR could they provide as a minor. 

The second known incident occurs XX/XX/XXXX, an online shopping account is made with company, XXXX. XXXX reports first purchase was made XX/XX/XXXX, resulting in a purchase amount of {$220.00}. As of XX/XX/XXXX XXXX then issues unpaid debt to collections. As of XX/XX/XXXX victim of identify theft, begins receiving calls regarding delinquent account. Victim believes to be scam and simply disconnects call. 

XX/XX/XXXX victim receives another collections call in reference to delinquent account with XXXX. 

XX/XX/XXXX XXXX then contacts XXXX to validate legitimacy of collection agency, and attempts to research any and all unauthorized financial transactions that have occurred. XXXX validates item purchased, date of account opening, and address associated. Call is is documented and recorded. 

XX/XX/XXXX Individual experiencing identity theft, then pulls credit report from XXXX and notices ANOTHER unknown delinquent account on report. Balance showing currently {$1100.00}. Collections agency company - Ad Astra Recovery Services. The date of issue to collections- XXXX. The company that of which the line of credit was issued, Rapid Cash CO. 

I am completely unaware of these transactions that of which are associated with my ssn and first and last name. I have contacted local sheriffs office and am going to be filing a policy report. I am under the impression that the individual using my information is my mother, and I have address, times, and dates that of which align with actions.