23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This company has a serious issue with bullying, retaliation and straight up lying to governing bodies. 

I have been reporting them to multiple agencies, multiple times for their behavior and they continue to lie and can not provide any documented evidence that they're claiming is the cause of their actions. 

After this private company decided as a business to use taxpayer funded dollars by calling the SDPD on me - while I had told them for a month I was out of the country- they have done nothing to rectify the situation. 

They have cost me $ XXXX in refi savings by " accidentally '' marking me late with payments during forbearance. 

I then worked with HUD to force them to offer me the CARES Act forbearance plan. It was good for 1 month, with agreed and signed contract that all the forbearance/ecrow debt would be added to the end of the term/lump sum lien that could be paid on refi. 

Today, they sent a threatening letter about insurance that I had already told them I had paid in full for the year while in the forbearance exit process. And today I went to check my statement and they increased my monthly payment by almost {$700.00} to " spread out '' the forbearance escrow payments. 

They completely went against the CARES Act and the contract WE JUST SIGNED AND SUBMITTED. 

This company needs to XXXX burn to the ground. Why are they continually harassing us, costing us $ XXXX, destroying my credit for " errors '' and completely changing the payments that we just signed a contract about! 

At this point, CFPB, and other governing bodies- this is your responsibility. You allow these people to operate like this. 

What in the world are homeowners expected to do in this situation? How much of this are we expected to take?
Product: Student loan

I attended XXXX XXXX XXXX  from XXXX. My son, XXXX XXXX attended XXXX XXXX from XXXX. He was offered a XXXX scholarship to attend. In XXXX, I made a direct payment for the cost of the additional amount due after the Scholarship and grants were applied. In XXXX, I agreed to accept responsibility for a parent plus loan in the amount {$8200.00} after the Scholarship and grants were applied. In XXXX, XXXX was living off campus, no longer in the dormitory or on the meal plan and the Scholarship and grants were applied. In XXXX, my husband offered his GI Bill Benefits for the remainder of XXXX 's educational tenure and therefore, all expenses in excess of the Scholarship and grants were paid for by the VA program. I can see where several loans are listed more than once and then all rolled into a consolidation loan. Since XXXX, I have called and written countless times to the XXXX XXXX and had discussions with FSA and Fedloan Servicing. I have just spoken to XXXX XXXX at XXXX XXXX XXXX  in the financial aid office. She confirmed that the loans I have received for my education and the parent plus loan for my son total about {$40000.00}. She is unable to see the same amounts that the Fedloan website indicates. She also said their office is required by law to submit all documentation loan agreements charged against me. I have asked their office in the past for these and was instructed to contact the university. The debt charged against me is over {$160000.00} with interest at this point. I am giving this XXXX last effort to resolve the amount I owe in Parent Plus Student Loans before seeking legal advice and taking action against FedLoan Servicing for fraudulent student aid practices.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$83.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 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

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) Account # : XXXX The credit bureaus are in violation of the law. I showed them multiple times on how they are violating the Fair Crdit Reporting Act According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus don't have written permission.

According to 15 USC 1681 I have a right to privacy.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is in fact inaccurate. 

They have committed countless violations and has blatantly shown total disregard for the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive got hard inquiries on my credit report that I didnt have anything to do with. The first one out of many is XXXXXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XXXX XXXX, XXXX XXXX XX/XX/XXXX, I also got some more that Im trying to get together. I just now check my credit because Im trying to get a loan to buy a house and this is the first time Ive checked my credit in more than 4 years. Can I get these and the other one taken off my hard inquiries on my credit?
Product: Mortgage

PNC Bank acquired my home mortgage from XXXX XXXX XXXX  in XX/XX/XXXX. In XX/XX/XXXX, PNC sent me notice of their intent to withhold a 2 month cushion in my voluntary escrow account for property taxes. My original morgage documents agreed on {$0.00} cushion and terms that my escrow payments could only increase if actual property taxes increased. Homeowners insurance is not a factor as I pay that outside of escrow as originally agreed to. Further, my property taxes are frozen regardless of appraised value due to my over XXXX homestead exemption in Texas. I sent all of this documentation to PNC and received a response that the 2 month cushion is their policy with no regard to the terms of the loan they acquired. I then asked PNC to close my escrow account, which was voluntary for concvenience on my part, and return all my escrow deposits to me. PNC then resonded with an outragious fee of {$680.00} to close the account which currently contains about {$1500.00}. I am not receiving any interest on these escrow funds and I don't beleive PNC has the right to charge any fee, let alone this rediculous amount. All of the documents reference here are attached for review. PNC customer service address and phone : PNC Bank, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX
Product: Credit card or prepaid card

It has been almost three months since Barclays card committed a fraud against me and the credit bureaus. The have, finally, removed the fraudulent transaction and fee from my account but my credit scores have not been resolved to their levels prior to their fraud perpetrated against me. I have not received ANY copies of ANY communications to the credit bureaus. Barclays caviler attitude towards how this fraud has impacted my personal life is criminal. I demand that Barclays contact each credit reporting bureau personally and resolve the damage to my credit history. I demand a statement credit for the fraud they have perpetrated against me and many others, as documented, on the attached document. Their fraud effected many persons and I can only assume that their attitude and disinterest in making amends to these persons as well has been similar. 

" On Tuesday, XX/XX/2022 I requested a balance transfer in the amount of {$10000.00} to my checking account ending in XXXX with XXXX XXXXXXXX XXXX XXXX. This was a XXXX percent balance transfer offer for 12 months. I logged in on XX/XX/2022 to pay the balance transfer fee, {$400.00} and a small outstanding balance of {$20.00} for a total payment of {$420.00}. On XX/XX/2022 I logged in, as I aways do, and my account show a duplicate {$10000.00} transfer to the same account ending in XXXX along with a duplicate fee. I immediately checked the balance on the XXXXXXXX XXXX XXXX XXXX checking account and, indeed, there was no additional {$10000.00} transfer, which would total {$20000.00}, there was only the singular, initial {$10000.00} transfer. I have spent numerous calls and chats over the last two weeks attempting resolution. I should note that my credit score on XX/XX/2022 was XXXX. As of today Barclays is reporting that I am over the limit of my card, a limit of {$12000.00} and a false balance of {$20000.00} and my credit score as of today is XXXX. Their one singular mistake has damaged my credit by almost XXXX points. In addition, throughout all of these calls and secure online chats I have been told the file has been noted and they are working on the situation. The situation, after over two weeks, remains unchanged. My credit score is down XXXX points and the phantom {$10000.00} balance transfer and phantom {$400.00} fee for the second phantom transfer remains on my account. Damaging my credit every day. I have spoke with them on these dates : XX/XX/2022 for 31 minutes, XX/XX/2022 for 20 minutes ( got disconnected after 20 minutes on this call ), XX/XX/2022 for 36 minutes, with online chats on XX/XX/2022 for 16 minutes, XX/XX/2022 for 36 minutes, and XX/XX/2022 for 58 minutes. In each call and chat I've been informed that they are sorry for the inconvenience, even though they are not just inconveniencing me but also damaging my credit. Over two weeks and countless hours attempting to rectify the situation they are unable or disinterested in resolving. ''
Product: Credit card

They will not reopen my account and they cant seem to help me understand why my account has been closed. I have been transferred to different departments and speaking with different managers to get a resolution.
Product: Consumer Loan

I have default judgment against me that was filed by the law firm of Hanna and Associates. I never received any documents to verify/deny the debt was owed. The debt they are claiming has over {$3000.00} in interest.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX Account number : XXXX Balance : {$220.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Balance : {$3900.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX A ) Account number : XXXX Balance : {$440.00} ( Original Creditor : XXXX XXXX  ) Account number : XXXX Balance : {$94.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a total of 17 derogatory items that do not belong to me with XXXX, XXXX, and Transunion. Several of these accounts are listed multiple times with multiple different spellings. Eleven of the items were removed previously after I disputed them only to be re-added to my credit file with different spellings. The accounts are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX  XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX 11. XXXX XXXX 12. XXXX 13. XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive submitted two cases through this portal and two letters certified mail to Trans Union. About these unverified inquiries, the individual companies nor TranUnion have provided me any proof that I initiated these inquiries in any shape or form. The reason being because I did not do so, I have not given anyone permission to do so in writing or in any other manner. They have violated the Fair Credit Reported Act. At this point I'm in the process of taking law action and I would need to be compensated for my time, physical and mental anguish ruffly {$5000.00}. They have broken the law and have taken advance of me. Below are the following codes under the Fair Credit Reporting Act that have been broken/violated. I'n not sure why they are aloud to violate the law and codes under FCRA XXXX Please take the time to review all information, attached is copy of one of the letters sent as well as the certified tracking for it. Thank you Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy of the information they report. If they fail to do so and dont correct the mistake after youve disputed it, you can take legal action. 

( Unverified/Illegal use of my information 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 XXXXXX/XX/XXXX ) Statutory damages : If you take legal action under the FCRA and can prove XXXX violation, you could be awarded statutory damages. These can range from {$100.00} to {$1000.00} per violation, regardless of actual damages According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt was initially created in XXXX for {$1000.00} as a collection by XXXX XXXX. I did not have contact with the debt collector. The original debt was removed in XXXX and then sold and new debt collection agency re-aged the account to show as if it was a newly created delinquency. The " new '' collection for the original debt of {$1000.00} was reported to my credit as opened in XX/XX/XXXX by National Credit Adjusters. I have not had contact with this collection agency.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have an account that does not belong to me from comenity bank. I have tried to dispute and settle this even though it does not belong to me. They have sent me a letter ( XXXX XXXX2020 ) telling me to prove to them that it is not mine or they will sue. This account should have fallen off of my account in XXXX of this year. Under Alabama law it can not stay on my credit over 6 years. They failed to that and now they are refusing to accept my disputes. This account is not mine in the first place but I was also willing to let it go if they removed it since my 6 years were up. 
{$680.00}
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX dc XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

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

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

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter
Product: Bank account or service

I signed up for a Citigold checking account after receiving a promotion offer for XXXX XXXX XXXX miles. I met the requirements of the promotion and sent a message to Citi to verify that the requirements have been met and the miles will post. Citi replied that the requirements were met and I should expect the points by the end of XXXX. When the miles did n't post I contacted Citi again and was told they do n't see that I was targeted for the promotion and will not receive the miles. I tried explaining to them that I have the message from them showing that I met the requirements and promising the points will post but they are not willing to honor their offer. 
Citi claims they gave me XXXX points, however this was not the promotion promised to me on sign up. Citi needs to keep their promise and give me the XXXX miles.
Product: Money transfer, virtual currency, or money service

I went to send money to my brother in XXXX on XX/XX/XXXX, I paid everything for him to get money the same day. After 2 days my brother went to pick up the money 2 times and they said the money is not transfer yet. I called western union to ask them and I spoke with someone and he said he needs some information from me he started asking me questions and I responded to all the questions, he said my brother can go now pick up the money with the same Tran king number. My brother went agin they said there is no money transfer. I called again on XX/XX/XXXX to ask what happened and someone told me I cant send money and receive money with western union no more I asked why they said to go online. For me after many years I always send or receive money with western union I felt is not fair and I was not the way they should traits consumers. Iam so disappointed.
Product: Debt collection

Opp Loans passed an old debt to a debt collector. I tried NUMEROUS times to pay off the loan but the debt collector was unresponsive. After several months, the debt collector then sent me a 1099-C to write off the debt, and I filed the same with the IRS on last year 's taxes. In the last two weeks, Opp Loans has suddenly started contacting me directly via email to pay asking me to pay it off.
Product: Student loan

I defaulted on three private student loans ( SallieMae through Navient ) in XXXX. In XXXX I was contacted by a debt collector ( XXXX XXXX ) and negotiated a settlement on one of those loans. I am currently negotiating with the same debt collector on the other two. I checked my account balance at Navient 's website and the loan I negotiated a settlement for over six months ago still appears as due with a balance. Worried that I may have negotiated with the wrong party I contacted Navient and was informed that they do not update information for " delinquent '' loans. The operator then identified a different debt collector than the one I negotiated with for the loan and question and could not answer my questions about the legitimacy of the company I was bargaining with. When I questioned how I, as a consumer, am supposed to make informed decisions about my finances when the company that services my loans will not give me accurate information the operator repeated that this was their policy. I have two lawsuits against me by a debt collector that Navient does not identify as the legitimate debt collector for my loan. What am I to do?
Product: Debt collection

I have already submitted two complaints with you guys for apartments that were wrongfully leased in my maiden name ( XXXX XXXX ) One was for an apartment in XXXX XXXX XXXX XX/XX/2022. The second one was for an apartment in XXXX XXXX called XXXX XXXX. This one is for another apartment in XXXX XXXX XXXX  called XXXX XXXX XXXX apartments. It says the account was opened on XX/XX/2022 and I owe {$2900.00}. Once again, this was not me doing this. I have never even visited these states.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX 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 XXXXXX/XX/year>