23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Reviewed my XXXX credit report dated XXXX XXXX, 2017 and Portfolio Recovery Associates ( PRC ) reports an original balance due of {$1200.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to PRC is being disputed by me.
2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.
3. Further, PRC has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.
4. This information erroneously appears on all ( XXXX ) credit reporting agencies and I have asked XXXX to dispute such claims with no response from PRC.
5. As such, all such information should be deleted from all ( XXXX ) credit reporting agencies.
XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is to formally file a complaint regarding unauthorized inquiries appearing on my credit report obtained from Experian. 

I reviewed my credit report and discovered the following unauthorized inquiries : XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX Inquiry date : XX/XX/year> I did not authorize these companies to access my credit report. These inquiries are impacting my credit score and may have been used for fraudulent purposes. 


I have already contacted Experian to dispute the inquiries, However, the issue has not been resolved. I have attached copies of correspondence with Experian. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX 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 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: Student loan

Hello, Today I received a call from a representative from American Education Services [ AES ]. The caller gave her name and an ID number and proceeded to ask me to  provide my date of birth and other personal identifying information. She did not identify who she was calling from until I asked. In this day and age, I do not feel like any company should call me and ask me to provide my name or SSN without making it clear that they are who they claim.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Product: Debt collection

Convergent outsourcing promised in writing to delete my deregetory item from my credit report upon settling a 50 % payment of what I owed XXXX. It 's been over 45 days and they just reported to XXXX bureau as paid for less than original amount owed. The other bureau still shows that I owe {$580.00}.
Product: Mortgage

LoanCare has not provided a lien release on our home. The funds were wired from our XXXX XXXX   account on XX/XX/XXXX. I did not realize release had not been done until early XX/XX/XXXX when my wife and I was in the middle of another business tranaction. This has caused that process to be stopped until this gets resolved. My first call to LoanCare was on XXXX at which time I was told by servicer it would be resolved within 3 business days. I checked with county recorder website on XXXX and release had not been done. I called back immediately on the same day and was told it would now be escalated and an e-mail sent. The e-mail stated I would be contacted in 3 business days. This did not occur. I called again on the XXXX and servicer including manager told me it would be done in one more business day and I would receive a call with update. That again did not occur. I called today XXXX and was told again they had no further information. I asked to speak with manager and I am still on hold ( 20 min ) Every time I call in, which requires me to provide my loan number I am informed I have a {$0.00} loan balance. I can not complete my current transaction until this is resolved. I just spoke with manager, XXXX and was told each time I call it goes to the company 's escalation team and their lien release department was informed on XXXX. Manger told me lien release department does not accept phone calls, there is nothing else I can do. 
The quality and professionalism I have received is unacceptable and I am asking for your intervention. 
Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the company today to tried and get this fraudulent information removed they stated that the apartment complex never responded to the fraud request back in XX/XX/XXXX. I told the rep that as you are not able to verify this info to please remove it they told me they would not. I requested that the credit companies send over the police report filed. They have this information and are refusing to have the information removed from credit.I am at a crossroad.
Product: Checking or savings account

ON XX/XX/XXXX, AS I NORMALLY DI, I WITHDREW 500 FROM MY PEOPLE DRIVEN CREDIT UNION AND DEPOSSITED 440.00 INTO MY NAVY FED ACCOUNT. I SOMETIMES EITHER DO A TRANSFER, ELECTRONIALLY, BUT 90 % OF THE TIME, I DO CASH DEPSOSITS. I CONTACTED NAVY FEDERAL ON XX/XX/XXXX BECAUSE I NOTICED THAT MY DEPOSIT WAS NOT IN MY ACCOUNT. I SPOKE XXXX IN ACCOUNTING WHO TOLD ME THAT HE SAW THE CASH DEPOSIT AND THAT IT WAS ON HOLD. I ASKED HIM WHEN DID CASH DEPOSITS START BEING ON HOLD, HE SAID THAT THE NORMALLY ARE NOT. HE PLACED ME ON HOLD AND COMES BACK TO THE PHONE AND ASK DID I HAVE A RECEIPT SHOWING MY WIHDRAWAL. I SCREENSHOT THE WITHDRAWAL FROM MY ACCOUNT AND EMAILED IT TO THEM, HE PLACES ME ON HOLD AND THEN A LADY, WHO INTRODUCED HERSELF AS A SUPSERIVOR BY THE NAME OF XXXX, THAT COULD BE SPEELED INCORRECTLY, BUT SHE SAYS THAT THERE IS NO WAY THAT THEY CAN CONFIRM IF IT WAS A CASH DEPOSIT. I ASKED HER WHAT ELSE CAN YOU TAKE OUT OF AN ATM. THE SCREENSHOT SHOWED THE AMOUNT AS WELL THE ATM, TIME AND DATE. SHE REFUSED TO RELEASE MY FUNDS. I AHVE NEVER GIVEN NAVY FEDERAL A DEPOSIT. MY PATTERN HAS BEEN THE SAME SINCE I JOINED THE CREDIT UNION.
Product: Student loan

DEPARTMENT OF EDUCATION AND XXXX ARE BOTH IN VIOLATION OF PRIVACY ACT OF 1974 A LAW THAT GOVERNS THE COLLECTION, MAINTENANCE, USE, AND DESSEMINATION OF PERSONAL INFORMATION BY FEDERAL AGENCIES AND In accordance with 31 U.S.C. 3123, which states that " all bills and obligations issued by the secretary of the Treasury to finance the operations of the United States shall be deemed to be the obligations of the United States, '' a fair solution would be to have my water returned as soon as possible before I take legal action and notify all other residents of this fraudulent behavior.
Product: Debt or credit management

I enrolled with XXXX XXXX XXXX, when I enrolled, I would be paying XXXX and then XX/XX/year> the amount changed to XXXX. When I started my debt balance was XXXX my balance now is still XXXX. What I have seen come out are transaction fee of XXXX and customer fee of XXXX, since I've started, I have paid a total of XXXX. When I spoke with XXXX yesterday and informed, I wanted to cancel services, when she went over everything with me, she advised I owed {$900.00} in fees and asked if I could make a payment, I told her no. They never paid towards my small debt to clear it out, they claim they wanted to work toward the XXXX account which was the most and could face a court judgement. This Debt company has not paid anything I feel like they owe me all my money back from XXXX XXXX XXXX
Product: Credit card

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Product: Checking or savings account

We deposited our income tax refund check in our PNC bank checking account through the ATM in amount of {$5900.00} on XX/XX/2020. The check was denied and a email was sent as a duplicate check. Nothing was sent to our home address from XXXX, Pennsylvania through the United States Post Office. So right now it is considered as a lost check and nothing is being done with PNC bank about finding our check. All PNC bank is telling us that we should contact the IRS, when the issue of the lost check is on PNC 's banking end. They have the original copy of the check, we never got an original or duplicate back so that it could be re-deposited. In all their making it seem like it is our fault that it has been lost in the mail, we have never received it back in the 1st place.
Product: Debt collection

I have repeatedly told these people to stop calling me. They are trying to collect a debt that is over XXXXyears old, a debt that I have already contested and removed from my credit report. 

I have told them many, many times to stop contacting me.
Product: Student loan

I have tried many times over the past 2 years or more to be placed on an Income Based Payment Plan. Navient will place me in Forebearance and direct me to the internet to continue my application. Once there, I can not complete the application without my husband 's " signature '', but we can not figure out how to include that. He lives with me and we are both aware of and interested in the Income Based Payment Plan. I now owe almost double or more on my student loans than I did when I completed college.
Product: Mortgage

Dear Sir or Madam : I am writing to ask that you please remove the 30-day late payment report that Chase submitted due to a system ( Chase.com ) programming error showing incorrect figures on our HELOC account at the time our credit line converted from draw to repayment. 

My husband, and I have had this home equity line of credit ( originated with Chase ) for approximately 10 years. We have paid the monthly payment on or near the XXXX of the month, every month since we opened the account. 

In the beginning of XXXX we received written notification that our credit line would be converting from draw to repayment starting in XX/XX/XXXX. In mid XXXX XXXX, when I logged on to Chase.com to pay our bills that were due -- something that I have done twice a month for the last several years -- the Chase.com website showed that there was a payment of {$360.00} due on XXXX XXXX, XXXX. I understood this meant what it was displaying, that the next payment for the account was due on XXXX XXXX, not XXXX XXXX. When I logged on to Chase.com in mid-XX/XX/XXXX to pay the bills again, the website displayed this time that an amount of {$0.00} was due on XXXX XXXX, XXXX. I surmised that this must be due to our credit line converting, and as directed by your website, Chase.com, I did not pay the bill because it showed that an amount of {$0.00} was due on XXXX XXXX, XXXX. 

It was not until a collections representative from Chase called my husband on XXXX XXXX, XXXX asking when my husband would be making the XXXX payment that we realized that what your website had been reporting was indeed erroneous ( likely, a result of the account converting from draw to repayment ). We promptly paid the outstanding two months due to bring the account current. My husband explained the aforementioned to the collections representative from Chase, and she told my husband that she would wave the late fees and as long as the account was brought current in the next day -- which we did -- we would not be reported to the credit bureau. 

It was not until my husband was in the process of completing a mortgage loan refinance with Chase, shortly thereafter, that the mortgage broker representative from Chase notified him that we indeed had a 30-day late payment that had been reported to the three credit bureaus. My husbands credit rating had dropped below XXXX, and we were no longer eligible for the loan to refinance on the terms that my husband and the broker had previously discussed because of his adjusted credit score, and therefore ceased the loan refinance. 

This clearly was a mistake. We trusted that the Chase.com website listed accurate account information for the payment of our credit line, as it should and has for many years when we have made our our payments online, and therefore should not be penalized for a website programming error.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
XXXX {$150.00} XXXX {$110000.00} XXXX {$470.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting that you correct my Credit File from reporting erroneous information and yet you have failed to do so. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}. You claim that these accounts are verified and yet you have not sent me any copies of proof of verification from your investigation which is a clear violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I sent dispute about incorrect addresses listed on my credit report. I have one address. Attach included.
Product: Vehicle loan or lease

Total amount owed on my Vehicle was {$24000.00}. I sent in a check for {$25000.00} to pay off vehicle to Bridgecrest XXXX ( XXXX ) I was told I would be charged XXXX cents a day after the XXXX day payoff period and that they would put whatever date the check is made out for which was ( XXXX ). I overnighted the {$25000.00} to them via XXXX, they received the check on the XXXX of XXXX and are still saying I still owe {$510.00} and are charging me XXXX cents a day after I have already given them {$25000.00} plus the XXXX $ a month I was paying on the car for the time I had it, which totals around XXXX XXXX In all I have given Birdgecrest also known as, XXXX over {$30000.00} for a used car with over XXXX miles on it, and they are still saying I owe them XXXX XXXX Their employee told me on a recorded line that I wouldnt have to pay anything after XX/XX/2022 once the check was received if the check had a printed date, which it did! This is not okay and they also reported to my credit company that I was late/delinquent and the check is dated for the XXXX of XXXX. This isnt right and they should be held accountable!
Product: Credit reporting or other personal consumer reports

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate information that is reporting and damaging my ability to get approved for new credit I need at time with living expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against the Missouri Higher Education Loan Authority ( MOHELA ), alleging a violation of the Family Educational Rights and Privacy Act ( XXXX ), specifically under 20 U.S.C. 1232g ( B ).

I am concerned that MOHELA may have breached the privacy rights afforded to students and their families under XXXX by disclosing personally identifiable information without proper consent. As outlined in XXXX XXXX. XXXX ( B ), educational institutions and associated entities are required to obtain written consent before disclosing personally identifiable information from student education records. 

I believe that MOHELA 's actions may have included unauthorized disclosure of information, which potentially violates the privacy protections outlined in 20 U.S.C. 1232g ( B ). This matter is of great concern, as it pertains to the privacy and security of sensitive educational and personal information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this alleged violation by MOHELA. If the investigation confirms that MOHELA has indeed violated the law, I urge the Bureau to take appropriate actions to ensure compliance and protect the rights of students and their families.
Product: Debt collection

I've previously attempted to settle the matter with this company but they have ignored my requests and are now in dishonor. The Fiduciary Appointment has been mailed to the company.
Product: Credit reporting

My complaint is only sending through some sort of regulatory agency in nature to ensure a substancial record is maintained. Equifax among all relative credit reporting agencies have generally been a good steward, not abusing their obligation in order to support a non prosecuted financial industry. My request, sent as a complaint is just for reconciliation of all accounts, and inquires maintained by Equifax. If such is done, then it 's not the inaccurate reporting on of the credit reporting agencies its the unverifiable information sent by their billing clients, the above the law financial industry. Which is the subject of my complaint. If the Credit reporting agency reconciliates the record, then all complaints i believe will be resolved. If the credit reporting agency verifies my name, specific the one that appears on my social security card, which is the number identification that it uses to maintain such report, then it will take care of itself.
Product: Mortgage

Phh loan services is the company you want to send complaint to. Thanks Phh mortgage XXXX XXXX XXXXXXXX XXXX XXXX, New Jersey XXXX XXXX XXXX XXXX My current complaint # XXXX
Product: Debt collection

According to the Florida department of financial regulations XXXX is not license to collect in Florida. In XXXX of 2017 They were added to my credit report for a balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing 2 inquiries On XX/XX/2017 XXXX/EXPERIAN IDENTITY XXXX XXXX/EXPERIAN CREDIT WORKS I NEVER CONTACT THEM I FO NOT HAVE ANY IDEA WHO THIS IS! 
Please remove this from my credit Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXXXX
Product: Checking or savings account

I received an offer to open an account with Key bank. I went ahead and opened the account and transferred money electronically to fund the account. A few days after opening the account, the bank restricted my account alleging fraudulent activity. I requested this to be resolved however the bank insists that I appear at a branch in person to resolve. The bank days/hours are too limited for me to make it there in person as I commute outside of the area during the week and the branch is only open monday to friday within 50 miles of where I live. I requested the account to be closed and money to be sent back to me however this has not been done. Repeated efforts to get this done have been disregarded.