23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Selene Finance has given my realtor and myself the go around in order to get a letter stating what is owed on the mortgage. We have had to reschedule our closing on this home twice now. I have called the company every day for the last week, multiple times in a day to get the letter either emailed or faxed to me with no luck.
Product: Debt collection

I moved out of the house located at XXXX XXXX XXXX XXXX NY XX/XX/2010 and someone was using my name there for XXXX XXXX account. I spoke with XXXX and they told me if I provided proof they would remove the account. I mailed them the lease of my new address and this account was never removed and its affecting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

On its website, ECMC states, " ECMC has ceased all collections activities on defaulted student loans until XX/XX/2020. The only exception is if borrowers wanted to pursue a voluntary resolution to their debtin which case they were assisted with that resolution. '' We were a few months into the pandemic before I was told that their statement didn't apply to *my* defaulted student loans. 
It was true. My credit report shows that my loans stayed in collection status until they were paid in full when I consolidated them. I would have moved a little faster on the consolidation had they not assured me on their website that " all collections activities '' on my accounts had been stopped. 
My loans were FFELP loans. So, although the statement on their website didn't specify which kinds of loans they'd cease collections on, the truth is that they weren't forced to stop collections on my accounts, so they kept reporting me as being in collections. 
Recently, the White House moved to retroactively include borrowers like myself, who weren't covered by the CARES act, in this financial protection. Companies like ECMC are expected to charge no interest during the time of the pandemic and to retroactively stop collections activity. The credit reporting agencies have asked to be " understanding. '' I filed a dispute with XXXX for a second time ( the first having been about my being told that collections had ceased when they hadn't, and my being reported as in collections for loans that, after being in an income-driven repayment plan, still, today, on my credit report, show a monthly payment of {$0.00} due while I was in collections ) about ECMC 's reporting. I didn't ask for a refund of the random amounts of interest they charged to my loans monthly, and sometimes twice a month, during the time which, now, they've been told that no interest should have accrued. I just wanted the collection activity to be removed from my report. They refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote a dispute letter on XX/XX/2022 to Transunion, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  I requested they verify the accounts with errors on my credit report. I asked for a copy of my report with the results of the dispute. I have not heard anything or been provided any proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 18 months I've tried to resolve an inaccuracy issue that was reported to all 3 credit bureaus. I have reached out to XXXX, XXXX XXXX, and XXXX regarding this matter ( disputes were also filed online ). I made a credit card payment for XXXX dollars in XXXX of XXXX to Regions Bank. 
I was kicked out of the system due to the website 's nightly maintenance. The issue resulted in me receiving a derogatory remark ( 30-day late payment ). I've spoken with 2 supervisors and several customer service reps in Regions credit card department on several different occasions regarding the issue. Regions advised that letters were sent to all 3 bureaus to have the discrepancies removed. 
After speaking with XXXX XXXX on XX/XX/XXXX I was told to request the letter be sent directly to me, I was instructed to upload the letter in the dispute portal online. 

I called Regions on XX/XX/XXXX. I was told by the credit department that the system wouldn't allow them to send the letter directly to me. The representative tried to locate numbers to speak with the agencies directly. Unfortunately, he was unsuccessful. After speaking with his supervisor, he was instructed to send yet another letter ( the 4th attempt sent ) to resolve the issues. I'm not sure why the letters aren't arriving to the proper departments but, at this point the inaccurate reporting is affecting my ability to secure my mortage loan. I can't be approved by my lender with any late payments under 2 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, addresses, names on file, nor did I authorize any of these companies to pull my credit.
Product: Credit reporting

I contacted Transunion and XXXX regarding to let them know that my XXXX account has been completely removed from my credit report. This is an account that was paid on time for over one year, and each payment was reported by the utility company. When the account was removed from those credit report agencies my credit score dropped about XXXXpoints, so I called both of them to ask why this happened. They told me to call the gas company and find out what happened. I called the gas company and they told me to call the credit bureau because they never asked for anything to be removed from my credit report. This has never happened to me before, and it has affected my ability to obtain a new apartment because of the drop in my credit score. I would like to know what I can do about this.
Product: Money transfer, virtual currency, or money service

I received a call from scammers pretending to be XXXX, they pretended to connect me to my online XX/XX/XXXXwho pretended to verify my info and connect me with the federal trade commission. believing I was talking with the people who were protecting me I transfered {$2700.00} to an acct they provided. supposedly for safe keeping til security measures could be put in place. XXXX XXXX from the federal trade commission phone # XXXX XXXX XXXX gave me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXacct # XXXX routing # XXXX XXXX transfer the {$2700.00} from my acct.When I called the # XXXX to see when I may get funds transfered back to my acct, I got the message phone number no longer in use. I cried. I called my bank, filed a claim and they sent me a letter saying there was no error and no credit will be issued. I cried again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB Complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Two hard inquires XXXX XXXX Requested On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, fraudulent address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX pa XXXX, fraudulent telephone number XXXX, XXXX XXXX DELAWARE XXXXXXXX XXXX  XXXX BANKRUPTCY DISCHARGED Date Filed XX/XX/XXXX, a personal credit card account opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, a personal credit card opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, an personal credit card opened at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have a credit card with Bank of America. I had some problems accessing my online banking so I contacted customer service ( XXXX from California ) on XX/XX/2018 at approximately XXXX XXXX. As I was speaking with XXXX who was helping me regain access, a question popped up requiring me to provide my " citizenship status ''. I asked the representative if I was required to provide that information and she said that I was required to provide it. I refused to provide my citizenship status. I don't feel that a credit card company should have a right to inquire about my citizenship status! I called back to file a complaint about 15 minutes later and then was told that Bank of America could ask about " dual citizenship '' because they needed that information due to federal regulation. The question did not ask only about " dual citizenship '' but about both citizenship and dual citizenship. I feel like these questions violated my privacy.
Product: Checking or savings account

On XX/XX/year>, we purchased an XXXX  from XXXXXXXX XXXX XXXXXXXX XXXX which cost {$2800.00}. We agreed to pay it within 12 months with no interest. We gave the manager our bank information for autopay deductions. XXXX days later, ACIMA Digital sent emails including an introductory email, our first monthly deduction, and another email stating I verbally agreed to change the frequency of deductions which became twice a month and sometimes XXXX times a month for the entire year. I never had a phone conversation and will never agree to this. I paid a total of more than {$7000.00}. The payment receipts of {$250.00} and the amount deducted for {$290.00} did not match. I tried calling ACIMA Digital but there was no response. I spoke to the manager from XXXX XXXX, but he denied their involvement and refused to help. This complaint is my last option before pursuing legal charges against ACIMA Digital and XXXXXXXX XXXX XXXXXXXX XXXX.
Product: Debt collection

Yes. Debt Management Partners : XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, NY XXXX owns a debt I occurred through XXXX XXXX XXXX They never once sent a debt validation letter Back in the fall  of XXXX  I received threatening calls for a debt collection agency called XXXX saying I was going to be served papers for a debt owed and that I was being sued by a law firm that agency since closed and was using illegal tactics to collect a date They were abusive and broke the FDCPA I am filing a formal complaint
Product: Money transfer, virtual currency, or money service

PNC has made changes that has made it difficult to link my accounts
Product: Mortgage

On XX/XX/XXXX I spoke with XXXX # XXXX of Loan Care and she made me aware that Loan Care had not credited one of three payments made XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX since loan service transferred from XXXX XXXX. 
I have since sent 3-4 letters with attached letters signed by my banks managers showing that that the payments due were sent on time through that banks XXXX XXXX XXXX billpay system to LoanCare. In XX/XX/XXXX I took a deferment offered to Florida hurricane victims and did not pay in XX/XX/XXXX. I made up that payment with 2 payments in the first week of XX/XX/XXXX. The attached documents support all of this and that my payments should be current in LoanCare 's system. 
In speaking with LoanCare reps on the phone their attitude seems to be that I have to figure out what they did with the payment that was made but they claim was not received. 
LoanCare has continuously dunned me with multiple demands for payments and late fees and also calls practically everyday. I have been forced to ignore the calls and letters and just make my payments on time otherwise. I need an accurate accounting from LoanCare, reversal of inappropriate fees and charges and credit repair due to their false claims and inaccurate reports to credit agencies. Thank you for whatever you can do. This appears at bottom to be an attempt to force me into foreclosure as a way of stealing equity that i have accumulated.
Product: Student loan

Navient took over one of my loans from my university which was about XXXX in the process of them letting me know they would be handling my loans. The agent let me know I had another loan with another company, which I was aware of, starting speaking about consolidating them which will make them my only company, I advised the agent no and I would look into it at a later time. After we got off the phone I received an email the loans were consolidated, I tried calling back but was unable to speak with an agent. Anything I call and speak with an agent they kept telling me I couldnt undo the process.My loans after being consolidated without me agreeing, having to reapply for the different forbearance programs that cause an crazy amount of interest if you have to wait for them to approve you for the lower monthly payment also Navient turning my loans over to a different lender causes my loans to be currently over XXXX.
Product: Credit card

on or about thursday, XX/XX/2017, upon logging onto my American Express premiere rewards gold card account, an offer was presented to upgrade to Platinum card with a XXXX Membership Reward bonus for a {$5000.00} minimum spend within 90 days. I clicked on the button ( link ) that said apply for upgrade, and was immediately approved. A few days later, i inquired about some charges and mentioned that offer, and was told that bonus offer was not attached to my upgrade. no one knows why, and everyone refutes such offer exsists, yet i have a screen shot of the offer, and was even on the phone with a rep about the offer at the time of the upgrade. i met my requirements within one day, and American Express needs to fulfill their side of the offer, and not dispute the fact that they even offered that to me to begin with, as they have been doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, XXXX account numbers : XXXX. XXXX XXXX - XXXX XXXX. XXXX card XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602A. States I have the right to privacy. 

15 U.S.C 1681 Section 604A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I have 2 collection accounts that showed up on my credit report. Both say they are for an original creditor of XXXX XXXX, but do not give complete account numbers, so when I call to dispute it, they won't give me any information because they can not verify it belongs to me, yet when I dispute it through XXXX, the account remains because the collection agency verified it was mine! What??? 
First collection agency : MRS BPO XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX Date opened was XXXX ( I have never received any bills or collection notices in my mail from the original creditor of XXXX XXXX, yet when the collection agency gets it in XXXXXXXX XXXX XXXX they somehow have my information to report it on. ) Amount is {$2300.00} as of XX/XX/2024. Again, I have NEVER had an account with XXXX XXXX 
Second collection agency : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX -- XXXX Date opened XXXX ( Again, never received bills from original creditor of XXXX XXXX yet collection agency throws it on me. ) Amount is {$260.00} as of XX/XX/2024. Why is this amount different than the other collection agency. And again, I have NEVER had an account with XXXX XXXX nor received any bills or or collections letters at my address. 
I have disputed with the credit reporting agencies, yet both account remain as " verified correct ''. Yet when I call the collection agencies, I get a run around, and someone will call you back, and we can't verify your information, so we can't discuss it with you, and no one will send me out any type of verification information. 
Personal note : A person can commit MURDER in this country and they are innocent until proven guilty. BUT, if something shows up on your credit report, it is yours ( even if it isn't ), you are guilty ( even if you aren't ), and good luck trying to prove your innocence!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted XXXX, XXXX, and Experian for inaccurate reporting and calculation of my FICO score, but they refuse to correct it. 
They have multiple companies " alleging '' I requested credit, and their reports do not reflect my multiple car loans, all paid 100 % timely, in full and paid off, mortgages and student loans all paid timely, in full, and paid off in full timely!
Product: Student loan

I am attempting to consolidate my student loans and apply for loan forgiveness, however XXXX has not been given the correct information about my loans because Navient is refusing to update my account information with the XXXX ( XXXX XXXX XXXX XXXX XXXX ). XXXX has my loan amount to be approximately {$3600.00} when the actual amount over two loans is about {$12000.00}. 

I began reaching out to them in XXXX about this and spent many hours on the phone with them. They first told me that they were not my loan servicer ( they are ), directed me to talk to an agency about default ( I am not in default and never have been ), then they told me it was not their responsibility to update XXXX, and then they told me it was not possible for them to update XXXX, all of which is false. 

When I learned from XXXX customer service that it was absolutely Navient 's responsibility to update that information ( and, in fact, that they are the only entity which actually can ), I reached back out to Navient. That was in early XXXX. I have sent several communications to them, and the situation is still not resolved, even after they ( finally ) explicitly told me that they would address the problem. 

I don't know what else to do, and I am turning to you for help. I can not consolidate until this information is updated, which also means that every month I am potentially paying for a loan that should have already been forgiven. Please take a look at the information I am attaching,. The screenshot of my XXXX  account was taken today, and thus is current as of XX/XX/2022. Thank you in advance for any support you are able to offer me.
Product: Credit reporting or other personal consumer reports

Called Hunter Warfield on XX/XX/24 inquiring collection reporting to only XXXX. The balance reporting is {$5700.00} but Hunter Warfield stated on the call that the balance is {$2700.00}. I have not made any payments or been aware of any payments made. They would not send me copies of the balance they show, who made the payments and when. If I can't have access to this information why are they reporting it on my credit? They stated they have outsourced the debt to XXXX XXXX. Called XXXX numerous times and left on hold not being able to speak to anyone.
Product: Debt collection

In XXXX someone opened a XXXX XXXX account in my information. I received a bill from XXXX and called to get the details. XXXX XXXX customer service agent, this account was opened over the phone. There was no verification done before this account opened. 

This has been circulating and I have tried to get it resolved to no avail.
Product: Debt collection

Bankruptcy court dismissed filing, and also barred from filing for 2 years. 
So there is no trustee filing ; the {$250.00} trustee fee never materialized. 

With hefty penalty and interest, it went way up. 

Please delete to zero, I waive mine rights for damages.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I received information from XXXX stating that the information was accurate and I requested the information and I was not provided that information. I also contacted the XXXX XXXX XXXX regarding this matter and I have not received any information. Not only do I know that this account is fraudulent but not mine, because I have had an active account with XXXX XXXX XXXX already and it has just been upgraded to a XXXX XXXX  XXXX card as of this month. I contacted XXXX XXXX regarding this matter and I have been told by XXXX on XX/XX/XXXX that my account is in good standing and it was just upgraded to the new card. I have been dealing with this dispute for over a year and this needs to be removed since I have not been provided accurate in formation the last year. i have even sent this letter : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX, XXXX XX/XX/XXXX LVNV Funding LLCC/O Resurgent Capital Services XXXX XXXX XXXX, SC XXXX Subject : Dispute of Inaccuracy on XXXX XXXX XXXX Account Dear LVNV Funding LLC, I am writing to formally dispute the reported inaccuracy associated with my XXXX XXXX XXXX account XXXX which appears to be in collections under your management. My account is currently active and in good standing, and I have been notified that my XXXX XXXX XXXX XXXX has been upgraded to a XXXX XXXX XXXXXXXX card. 
Despite this upgrade and the positive standing of my account, I have received information indicating that it is being incorrectly reported as being in collections. This discrepancy is concerning, and I would like to resolve it as quickly as possible. 
Please provide me with the following information to clarify this situation : 1. Verification of the account status and any outstanding balances.

2. A detailed explanation of the circumstances leading to the collection report.

3. Documentation supporting your claim regarding the collection status of my account.

I appreciate your prompt attention to this matter and look forward to your response within 30 days. If this issue is not resolved, I will consider further actions to protect my rights. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX, ACCT # XXXX
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : I am a victim of identity theft Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 1XXXX {$510.00}. 2. XXXX XXXX XXXX {$500.00} ( collection account ) 3. XXXX {$7800.00} 4. XXXX XXXXXXXX XXXX {$45000.00} 5. XXXX XXXX XXXX {$5300.00} 6. XXXX XXXX XXXX {$1500.00} ( collection account ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud