23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never had an account or ever heard of original creditor : XXXX XXXX XXXX XXXX XXXX? <P/>Received a call on XXXX XXXX on X/XX/2017 ( Ph # XXXX ), with someone named XXXX from Midwest Recovery System, she asked me for my personal information at the beginning of call and since I get similar calls like this that are scams, I did not give her any information and told her do not call me again, she stated that she had all my numbers and will send me a letter ( based on that ) I also sent the company a letter in writing not to contact me thinking that this was just another scam. <P/>The week after I checked my credit report and saw that Midwest Recovery System put in a {$5000.00} negative report? <P/>I never received any letters before my request not to contact me from Midwest and never did business with XXXX XXXX XXXX, please help.
Product: Bank account or service

I had deposited a settlement check from my attorney in the amount of {$11000.00} to my BofA checking account through an ATM machine at the branch. I had never deposited any bad check with BofA ever. However, they had held the funds and would not release it while I contacted them many times requested that they release partial funds so that I can meet up my bills because they 're due. Unfortunately, they came up with all kind of excused that they could n't get hold to verify with the branch. After hours of waiting on the phone, they still wo n't do anything about it. I then requested to provide me a number so that my law firm can contact and help resolve any issue they might have had and as a result they wo n't talk to him and was not helpful at all. I explained to them that the check payable to me was from a client trust account and there should be funds available. I requested that they release some funds so I can pay my bills otherwise I will get charge the late fees. Unfortunately, they would not do anything at all. This makes me very upset and there 's nothing I can do about when my bills are due and the funds available to me are being held. It is unjustifiable and unfair to me.
Product: Debt collection

National Collegiate Trust/American Education Services is misrepresenting the date of default to XXXX in order to bypass the 7 year limitations period for reporting derogatory information. 

The date of first default was XX/XX/2008 because the promissory note clearly states default occurs when a Bankruptcy proceeding is initiated by me. ( Page XXXX Paragraph I ( XXXX ) ). 

I filed Chapter XXXX Bankruptcy of XX/XX/2008 and included this alleged debt in the matrix of creditors. The creditor was served ( See service of process ) and a discharge was ordered on XX/XX/2008 ( see discharge order ). NCT/AES did not object to the discharge order. 

Finally, this note was falsely labeled by XXXX XXXX XXXX as an educational loan but I was not a student when the loan was issued. I was in the hospital and no longer enrolled at the University XXXX. Furthermore, the University XXXX failed to certify the loan, and the check was not made out to the University XXXX. The interest rate was over 20 %, and required a cosigner. 

I never made a payment on this account. The only payments made were by my grandmother. The debt collector was extremely abusive, calling my grandmother several times per day demanding {$100.00} payments and increases in payments, even while she was in XXXX. She was XXXX when this debt collector continued to harass her by calling frequently to obtain additional payments before her death. 

The loan 's proceeds were used for gambling and other personal expenses. I was not a student and the loan was falsely certified.
Product: Debt collection

I contacted the Ability recovery inc XX/XX/2023 at around XXXX on a Wednesday this company has a collection on my credit for {$790.00} that I was not aware of when called I went thru prompts to speak with someone which was not easy they don't tell you to press XXXX but I figured that part out and when I did speak to a woman she asked me for my social security number to confirm a account I had no knowledge of I refused to give her my ssn because why would I give my social to someone I don't know or heard of ... I asked the lady who can I speak to who was the company she's collecting debt for she asked me for a account number I expressed I dont know the original creditor to have account number she got snappy and said I need a social security number or account number or she couldn't help me and I do not have an account number because I'm not aware of this company as I expressed to the woman and I was not going to give somebody I do not know or have done business with my social security number especially after she couldn't tell me the company she was a collector for if it is a legit company she could tell me what company she has a collection contract with im aware ppl have more than one but she was not making me feel ease with her responses or she could at least just took my name and my date of birth to find whatever it was that they had on me if they had anything on me so I feel this a scam because I've never received anything in the mail from this company a bill a letter nothing even from the original creditor so to get further help with the matter I asked the lady that I was speaking to to transfer me over to a supervisor or manager so I can see what this is posted on my credit as a collection and the lady stated to me that she was the manager and the owner and that was another red flag to me for a company that's supposed to be a collection agency the first person that I speak to on the phone is the owner and the manager it just didn't make no sense overall the lady was rude and I have no acknowledged of this collection its hurting my score and I just discovered all this trying purchase my first home my credit report didn't have telephone number on the original creditor so I XXXX them and look them up and to my surprise I seen it was a lot of people all over the world have reported this company for putting false information on their credit and I'm just hoping that I'm not one of those victims
Product: Mortgage

PNC is offering forbearance programs for mortgages, like most banks and lenders. However, the repayment options are not clearly outlined. I feel this is on purpose. PNC is luring customers in under the guise of " financial assistance '', and once they are in the program, they are told that a PNC rep will contact them to review options. These options range from paying the amount in full at the end of the term ( essentially 4 months of payments at once ) ... refinancing your mortgage to a higher amount ( even though customers are seeking help because they already cant afford the payments since the economy is shut down ) ... possibly moving the payments to the END of the mortgage ( which seems to be the industry standard ) although PNC refers to them as " delinquencies '' which makes me think it will adversely affect my credit ... or the last option, which is the most absurd " options that allow you to leave your home while avoiding foreclosure '' ( basically a short sale ). These options will not be discussed with customers until they are behind by 3 months of mortgage payments. This program is unclear and arbitrary. There will be thousands of families displaced by this. I was able to call and cancel my forbearance before it started ... although I know many who didn't. NO ONE at PNC that I have spoken with knows what is going on ... even though the first group of forbearance customers are at the end of their term now. PNC doesn't want any potential plan members to know the outcome of the group signed up in XXXX ... I'm sure it is bad for business. PNC should be ashamed of themselves. NOT offering forbearance would be better than the entrapment they are doing now. This will not end well for anyone other than PNC. Please stop them from signing people up. One rep told me that the customers she signed up were " willing to take their chances '' .... I sincerely hope it works in their favor and PNC doesn't end up with blood on their hands. The idea that you will be notified AT THE END OF A LOAN how you will be expected to pay it back, is simply unconscionable.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against TransUnion for Inaccurate Late Payment Reporting on Account XXXX Dear Sir/Madam, I am filing this formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and has caused undue harm to my creditworthiness. 
Details of the Reported Late Payments : XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
TransUnion : Late payments reported in XXXX and XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payments reported on this account are inaccurate and have not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus are mandated to follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in my case. 
Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The errors in my account reporting violate these protections.

Resolution Sought : Immediate removal of all inaccurate late payment notations from my credit report for the account listed above. 
Written confirmation of the correction from TransUnion. 
If this issue is not resolved promptly, I will escalate this matter, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

Hi on XXXX I have applied for AMEX Gold card and was supposed to receive XXXX Rewards points once I meet the spend requirement, I have attached screenshots with offer details from that time, where it can be seen at what time I applied and that offer was attached, recently I discovered when trying to inquire how much I have to spend that I was declined for the bonus offer, after trying to inquire for the reason, I was never provided a clear response. I have asked why I was not notified, and was told I was sent an email, but after confirming that I never received the email, amex said that they can not resend emails already sent ( which further makes me think email was never sent ). I have tried reaching out to the company to resolve the issue, with no success, I have asked them to provide me with a written notice of denial and the reason and they have refused. At no point during the application was I notified that I will not receive the sign up offer, and it is misleading to be denied the offer once I have applied and paid the annual fee. I have also met the minimum spend requirement to receive the sign up offer.
Product: Payday loan, title loan, or personal loan

Someone used my information to get a loan from koalafi on XX/XX/2022 in the amount of {$550.00}. I did not authorized this nor give permission for this company to run my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i pulled my credit to myself for the first time in 6 years and seen many accounts that were not mine. i never applied nor seen any of these accounts.These accounts need
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

TransUnion is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give TransUnion written permission to furnish these accounts. 

Accounts Account Name : 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 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit card or prepaid card

I noticed I charge of {$250.00} on XX/XX/21 from XXXX XXXX A. I have never been to XXXX XXXX A. I am vegetarian and I do not like their blatent flaunting of their XXXX ideals so I would never support them. My bank, Chime, keeps telling me it is a valid transaction. I did not make this purchase and I want my money back.
Product: Credit reporting or other personal consumer reports

I have disputed accounts on my credit report and Trans Union, XXXX, and Experian refuse to do thorough investigations. These accounts pop up with new dates and I have not signed any documents or have received any validation of debt and yet it still stays on my reports.
Product: Payday loan, title loan, or personal loan

I work 10 to 12 hour days. Today XXXX XX/XX/2019. I received 7 calls from phone number XXXX and XXXX between XXXX XXXX and XXXX pm and each time it was a robot call asking me to hold. When I did not answer it, no voicemail was left for me. When I try and call the number back it asks me to hold for an operator and then hangs up after a minute or two or puts me on hold and after 7 mins I hang up.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries appeared on my credit report this morning, and I don't understand why. I always check my credit report regularly, but this time, these discrepancies caught me off guard. I even refreshed my browser, thinking it might be a technical issue, but the inquiries stayed. I urgently ask that my documents be thoroughly examined so I wont have to keep worrying about this.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as XXXX XXXX. 

XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXX, XXXX XXXXXXXX ACCOUNT # XXXX in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 6. The inaccurate reporting of both my account status and payment status by XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX ACCOUNT # XXXX are causing harm to my credit reputation and financial standing. 

7. All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on XXXX XXXX and I was concerned about a mortgage and auto loan showing up as closed or wasnt paid. These thing werent mine but listed as red arrows showing that they were not paid as agreed. That means somebody had access to my info opened these accounts and did whatever they wanted and now left on my credit report. Experian claims they cant see these things because they are not showing up on their end. I have called 4 times in total and did XXXX emails with proof. I had no help and was transferred between departments at least 7 times. My score has dropped XXXX points and I cant even get any help or reasoning on why. Because they dont have information that shows this mortgage or auto loan. This isnt fair so now I sit here with a XXXX score and no help because they claim theres nothing they can do. Horrible company and they dont care about their customers. It shows then they talk to you like youre crazy but you clearly have proof
Product: Debt collection

Statebridge Company has reported my account past due to credit reporting agencies and I have paid as agreed consistently. I have emailed them requesting a full accounting of all payment and interest and they have ignore my request and requested a payoff.
Product: Bank account or service

I receive a workers compensation check that is drawn on Wells Fargo, which is were my checking account is. 
Mind you I could sign the check and cash with no problem, but when I put check in my account they lock up the funds for XXXX days before they release anything. 
It like they deliberately want to hold on to my funds so they can charge for overdrafts and make interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I also demand your agency to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately. 

These are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope youre doing well. Im writing because Ive come across an issue with my credit report that needs immediate attention. The information listed is not in compliance with the FCRA guidelines and is not reflecting maximum accuracy, which is a serious concern for me.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the full balance but company said I owed them {$0.00} which doesn't make sense when I paid my full balance. They did not contact me until I got a ping from my Experian app saying score dropped and I looked and then called XXXX since its a XXXX XXXX. They claimed I did not when I asked why they did not contact me before saying remaining balance is due. Which caused them to say we sent you to collection so speak to that department. I was going around calling different people spent XXXX hours trying to figure out why I got into collection.
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, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts 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 and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$460.00}, XXXX  XXXX Balance : {$1100.00}, XXXX  XXXX XXXX Balance : {$4000.00}, XXXX  XXXX Balance : {$17000.00}, XXXX XXXX XXXX Balance XXXX {$40000.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$2200.00}