23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We purchased our new home in XXXX XXXX as our second home through XXXX XXXX in XX/XX/2019. The loan was sold to a broker and the finally sold to PennyMac Loan Services sometime in XX/XX/2019 under Loan Number XXXX. In XX/XX/2019, we wrote a letter and emails to Penny Mac that we would like to include our son as part of the loan. He has taken over all financial and maintenance responsibilities to the home since of our senior age. We have delivered all required documents that they require through their Simple Assumptions Dept. We started with email with a certain XXXX XXXX in XXXX XXXX, 2019. From there on, we were bounced around from one person in Simple Assumptions to another until we were finally assigned a point of contact XXXX XXXX. Since then we have been calling this person and we have not yet received any calls or response from him or from any other staff to this day. Also at the same time, every month I would drop a message to their online website Message Center. And every month until now, all I get is an apology from a certain XXXX. Every month a message. Every month an apology from the same person. This is outrageous and unsatisfactory. No customer support.
Product: Credit reporting or other personal consumer reports

I recently conducted an investigation into my credit report, which, unfortunately, caused me significant distress upon discovering numerous unverifiable, invalidated, inaccurate, and questionable items. It appears that your agency has failed to ensure the 100 % accuracy of the information reported.

Under the Fair Credit Reporting Act ( FCRA ), it is mandated that all information on my credit report be reported with complete accuracy. However, the accounts in question, as outlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), seem to be in violation of this requirement. 

I am attaching copies of all letters sent regarding these discrepancies for your review. It is imperative that these errors are promptly rectified to ensure compliance with FCRA standards and to alleviate the negative impact on my credit standing. 

Thank you for your attention to this matter, and I trust that you will take the necessary steps to address these issues in a timely and accurate manner.
Product: Credit card

My information was used incorrectly to open credit cards. I reported indentity theft to my police department but nothing got resolved as far as getting thing removed from my report. There is a total of 5 accounts that are fruadulent.
Product: Debt collection

I was wrongful evicted ( and I have the paper work to prove it ) but a collection company is refusing to remove this debt! My eviction says {$590.00} the collection company says {$1300.00}!!!!!! this is crazy!!! 
and my apartment has no records of this information. Can I sue this company for :! .Violation of the Fair Credit Reporting Act 2.Violation of the Fair Debt Collection Practices Act 3. Defamation of Character
Product: Credit reporting or other personal consumer reports

I Just Recently Looked At My Credit Report Saturday, XX/XX/XXXX. I Saw Some Hard Inquiries That Did Not Have Permissible Purpose. 


XXXX. XXXX XXXX ( Bank ) / XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Finance ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Hotel And Travel ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX ( Hotel And Travel ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b XXXX. XXXX XXXX XXXX ( Bank ) XX/XX/XXXX This Inquiry Has No Permissible Purpose To Be On My Report. Delete This Violation Of 15 USC 1681b
Product: Debt collection

I am paying on medical bills monthly. The company I was paying sent me to collections because I did not set up a payment plan with them. I was told if I did not pay the full amount within XXXX days they would send to collections. Since I have so many bills piled up, I can only pay a small amount each month. I have not been sent to collection in the past and have/had very good credit. Now my credit score is decreasing because XXXX of the bills I have been regularly paying on that sent me to collections. Thanks to our XXXX insurance plans we are required to carry, I am now swimming in debt. Why do some companies allow partial payments and some do not? Does n't seem fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by the news media that Equifax experienced a cyber security hack on XXXX XXXX, XXXX. I used their provided website XXXX to see if my information was compromised and the response I received was " Based on the information provided, we believe that your personal information may have been impacted by this incident ... Your enrollment date for TrustedID XXXX is : XXXX XXXX Please be sure to mark your calendar. '' Because of this, I am in the process of freezing all credit reporting with XXXX XXXX Freeze, Equifax XXXX XXXX, XXXX XXXX Freeze, and XXXX XXXX Freeze. I have also requested a free fraud alert with Equifax to be reported to all other credit reporting agencies.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed XXXX XXXX bankruptcy. At that time I was issued an automatic stay by the bankruptcy court. on XX/XX/XXXX Self, INC closed my credit card with them. However on XX/XX/XXXX Self, INC added {$2.00} in interest to the balance. I spoke with a representative via phone on XX/XX/XXXX regarding this as was told that they had recieved the bankruptcy notice and the account would be updated accordingly. Then on XX/XX/XXXX the company added {$15.00} in late fees to the account. I sent noticed via there chat messaging feature as was given case # XXXX and recieved the email stating that they still have to report my payment history to the credit bureaus and as referred back to my bankruptcy attorney. I have told Self, INC that I filed pro se and this account falls under the automatic stay of the chapter XXXX. I Then was charged another {$15.00} on XX/XX/XXXX. The XXXX XXXX was discharged including Self, INC on XX/XX/XXXX, yet Self inc is still charging lates fees and have NOT properly zeroed out this account per the XXXX XXXX. On XX/XX/XXXX I recieved basically a dupiclate email ( case # XXXX ) from the exact same rep stating the exact same thing. Both emails are attached below.
Product: Student loan

XXXX have copy-pasted everything from a XXXX  I submitted to the ed-financial email help-line, leaving out my account XXXX. The rest of the email identifies payments and associated irregularities. 

Below is the letter : To Whom It May Concern, Ed Financial : Account Number : -Removed on this form- Hello I am emailing to inquire about several billing irregularities as-well as changes to my forbearance program ( abruptly ). On the XXXX of this month ( XXXX days ago ) I submitted XXXX payments which matched the ~ {$640.00} owed total past due since the fall loan re-initiation. Furthermore I entered into a XXXX year forbearance program ( as XXXX XXXX  married, but involved separate job training and not working at the moment, though my wife works ) which I was approved for on the XXXX. This would have given forebearance for all payments until the same time next year ( XXXX ). 

There are several extremely confusing issues which popped up this morning on my account. First off only XXXX of my payments is shown to have cleared the ed-financial XXXX. The payment was in the amount of {$350.00}, which is extremely odd given that the payment registered on my joint-account bank statement ( and the original email receipt from edfinancial ) was in the amount of {$340.00}. The payment confirmation XXXX  for this transaction is : XXXX. Furthermore a transaction in the amount of {$300.00} was mysteriously identified under the heading 'Payment Reversal ' which was submitted not through XXXX  joint account but through XXXX XXXX checking account. Furthermore the original payments submitted must have been merged into XXXX, as in fact there were separate payments in the amounts {$170.00} ( ID : XXXX ), {$95.00} ( ID : XXXX ), {$39.00} ( ID : XXXX ). Presumably there was a merging of the payments at some point, however I would like a full-itemized explanation of each of the transactions and XXXX  remuneration if missing at the moment. 

Furthermore and just as important, really more ; XXXX days ago on XXXX the XXXX, XXXX I received approval for entrance into the XXXX program which allocated in bolt type : New Monthly Payment Amount : {$0.00} for XXXX  months Furthermore, my current edfinancial account seems to be in some sort of glitch-like stage... there is still a heading indicated no required payments until XX/XX/XXXX, however I also have a popup identifying the end of current forbearance in XXXX  days, and my payments still seem to be active. This seems to have a software design mistake or perhaps bug of some sort. I have as a response re-applied for the same forbearance program as previously done so. 

Thank you for reading, I certainly need some clarification on each of these transactions as-well as full-receipts on each transaction. Furthermore I would like a full-receipt on the status of the forbearance program as-well as the explanation on the current-status of error. 

I can be contacted in the following manner : main personal email : XXXX University Email : XXXX Cell Phone : XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as my final demand for the immediate removal of unauthorized hard inquiries on my credit report, which were conducted without my consent. These inquiries are a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I have enclosed an FTC Report that highlights these violations.
Product: Student loan

I would like to file a formal complaint against FedLoan for paid student loan payments that were reported as delinquent. This is an effort to correct the errors made to my student loan account. I am a XXXX  and XXXX  XXXX Veteran as of XX/XX/XXXX. Before that I had been going through a series of health and financial issues at reoccurring points. In XXXX I made a goal to rid myself of debt entirely because the payments were drowning me financially which had a negative impact on me physically and mentality. I took a job overseas and began my journey of removing myself from debt as well as seeking other sources for help as far as my physical/mental body. In the year of XXXX I made several payments to include excess payments as well. I have attached receipts showing my payments were made on time to Fed Loan. These receipts are all confirmations to my email because when I attempted to access my payment history on the FedLoan website I received an error message which I have also attached. I have attached screenshots of the error messages received under my account when I log-in to check my payment history. I no longer had access to that once my XXXX and XXXX XXXX XXXX Application was approved. 


During this process my credit score has been negatively impacted due to incorrect filing on the part of FedLoan. It has been reported my student loan payments were late for the following months ; XXXX, XXXX, XXXX, XXXX, XXXX of XXXX. This was the period just before I submitted my application in XXXX. In XXXX I consistently made on time payments to FedLoan to include excess payments which are recorded on the receipts. My claim with the VA was approved on XXXX XX/XX/XXXX at which I was informed that the following steps should happen ( see below ) : VA Documentation If we determine that you are totally and permanently disabled based on documentation from the VA, XXXX will notify you that your loans and/or TEACH Grant service obligation have been discharged and instruct your loan holders to return any loan payments received on or after the effective date of the VAs disability determination to the person who made the payments. 


Based off of the supporting documentation I am supposed to receive a refund payment based of the effective date of the disability determination. I am led to believe this was intentional and ask for a third party to assist in the matter. It is disappointing to think a loan servicer would go so far as to ruin my credit after I had recorded on time payments for several years. I would have never known this mishap occurred if it werent for the credit monitoring subscription I keep handy. I have been avidly attempting to gain an exceptional credit score for a few years now. I feel as though any private company servicing the government should use more trusting companies when it comes to handling individuals debt obligations. For FEDLOAN to go back and record I paid late is a dishonest disservice to the American people who are heavily indebted.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

Recently I looked at my credit report, and I noticed several inaccuracies on one of my accounts. These inaccuracies are severely hurting my credit score and my ability to obtain credit. 

In accordance with The Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A states section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

This company ( Americollect INC ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.

Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.

Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood  Woman with my XXXX Given name ( XXXX XXXX : house XXXX XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, XXXX, and the FTC )
Product: Credit reporting or other personal consumer reports

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. Allegations must be reported with the greatest compliance and accuracy possible. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately. Please certify that all claims that have been verified as accurate, complete, and timely reported have been reported in compliance with regulations or remove immediately. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit company isn't reporting my information correct. 

1. The history shows there reporting only two years of credit history. 
XXXX XXXX account in XX/XX/1994 2. I have never had a late payment. 
Why is my score so low? two months ago my score dropped again over 50 points and i do not see why. 

3. XXXX XXXX - isn't correct. I have never had 4 accounts. 
This reporting isn't correct. These accounts are not mine. It is impossible that i hold 4 accounts with them. I've tried for over two years to deal with this creditor, in terms of correctly reporting my history with them. I've gotten no where. Sometimes, the company has stated to me that, i am not in there system. 

This reporting is effecting my life, its prohibited me from getting credit that i need. 

4. XXXX # XXXX This account is not mine. I have never had an account with this creditor .The account is fraudulent and needs to be removed from my report. 

5. XXXX - I've called numerous times to this creditor. They tell me that they don't have my information and are not reporting. However this still appears. I would rather address this than to have it affecting my report for XXXX. I've tried everything to get to a solution about this with XXXX. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted back in the enitre year XXXX due to the Pandemic of COVID, forebearance & hardship from Citizens on my Mortgage and any and all late or missed payments are not to be reported to any of the XXXX reporting credit bureau per the forbearance law that the president signed. XXXX is the only Creditor that is still reporting and hurting my credit for the year XXXX. This epidemic started back in XXXX, XXXX, XX/XX/XXXX. I am requesting the late payments be removed from my credit report ... ..for the year XXXX. My office work of XXXX closed and all workers were force to work from home. I called and wrote to Citizens about my mortgage, early in XXXX and was granted forebearance due to Covid from the beginning of XXXX and continued into XXXX of XX/XX/XXXX. My common law spouse also listed on the mortgage XXXX XXXX, died of XXXX XXXX in the middle of the worst of the pandemic. XXXX XXXX was XXXX XXXX at XXXX XXXX in XXXX and worked in the COVID ICU WARD. This Hardship I wrote to Citizen 's was granted to extend to XX/XX/XXXX, in which the Mortgage was THEN paid off in full on XX/XX/XXXX,.
Product: Credit reporting 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. 


Account XXXX : XXXX XXXX Account XXXX : XXXX and list of Inquiries. 

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: Debt collection

MIDLAND CREDIT MANAGEMENT STOLE MY IDENTITY AND PROCEED TO SEEN ME INFORMATION OF DEBTS THAT I NEVER HAD WITH THEM
Product: Debt collection

Portfolio Recovery has been harassing myself and my family since 2016. They have called my parents multiple times a day, everyday, even though they have repeatedly told them I do not live at that residence. For the last couple years the phone calls have been nothing but auto dialed calls with no one on the other line to speak to just a beeping noise like a fax machine with an obvious intent to harass and annoy while causing extreme embarrassment, stress and anxiety on myself, while irritating, annoying and angering my family. The debt is now time barred and the judgment they tried to bring against me was dropped. There is NO reason for anymore communication between myself, my family and Portfolio but they have been relentless in there illegal and frivolous efforts to harass, bully, coerce and mentally abuse me into giving in to there demands.