23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is my XXXX time contacting the CFPB with a complaint concerning Discover Student Loans. I am a week or so away from having my loan charged-off. 

Me and a co-worker/counselor have called in every month to do our due dilligence on what programs may be available through Discover to fit my budget an afford payments. Discover has offered payments of X, Y, & Z to which none are affordable. 

I received this e-mail today from the Director of Operations at Discover Student Loans ; '' Dear XXXX, If you are having difficulty making your monthly payments, we have options to help you temporarily manage your student loan. Please call us at XXXX. We have a repayment option you may be able to take advantage of over the phone. 
& XXXX XXXX to XXXX EST, Monday through Friday ; or XXXX to XXXX EST, Saturday XXXX to XXXX EST, SundayThis option will only be available to you for a short time, so please contact us as soon as possible. 
Sincerely, XXXX XXXXDirector of OperationsDiscover Student LoansPhone : XXXXXXXXThis is an attempt to collect a debt and any information obtained may be used for that purpose. " We had called in three days prior to listen to options, which ended up being the same, and when receiving this e-mail, thinking something new might be out there. 

So, naturally, we called in to check on what options thinking that my loans may have reached a status where something new could be arranged, and when we call in, we are offered the same plans that have been affordable the previous four months. 

Discover sent an e-mail with false hope that I 'd be able to re-pay my debts and arrange something to prevent further trouble, but come to find out, we wasted our time listening to the same garbage we 've been fed.
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 Name : XXXX Account Number : # XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ================================== UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ================================== 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 of 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

I have been working on my TransUnion credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Address is XXXX XXXX XXXX XXXX XXXX, IL XXXX and needs to be deleted. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law.These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I would like to dispute the following listed hard inquiries ; I have not applied for anything since XX/XX/XXXX. Back when I applied for my auto loan. I have attempted to reach out to the companies. I am not aware of the following listed accounts. Unfortunately I have not been able to get a resolution. Please investigate an remove inaccurate information. I have been a victim of identity theft before. I have notify each credit bureau in the past. 
Ive also taken safety measures to reduce my risk. Which these companies have failed to do. I should have received a phone call to verify my identity. Before any company can have access to my credit files. 
I have attached my id & lease. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Living Testimony in the form of an Affidavit Notice to Principal is Notice to Agent ; Notice to Agent is Notice to Principal. 


XXXX. On or near XX/XX/XXXX Selene Finance LP, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX, XXXX filed an unlawful 1099-A form claiming my property\home located at XXXX XXXX XXXX, XXXX XXXX New Hampshire XXXX XXXX as abandoned property without my permission. I am claiming that Selene Finance LP along with other agents, listed below, have committed Foreclosure Fraud for Profit against my good name and property. 


XXXX. On XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NH, XXXX ( NH Lic. # XXXX ) stole my home and property and sold it at a public auction he conducted in the road in front of my property located at XXXX XXXX XXXX, XXXX, New Hampshire, XXXX. XXXX XXXX does NOT own the property and did NOT have my permission to auction my property\home. XXXX XXXX is an Agent for XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX who also does NOT own the property and did NOT have my permission to auction said property\home. My property\home was auctioned for {$230000.00}. The stated debt to be collected is {$110000.00}. 


XXXX. When speaking with XXXX XXXX at the above auction and providing him with service of 2 liens that are on my property he told me XXXX XXXX XXXX, XXXX, XXXX, RI XXXX initiated the foreclosure sale. 

XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, RI XXXX served me MORTGAGEES NOTICE OF SALE OF REAL PROPERTY on XX/XX/XXXX via USPS Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX as an agent of XXXX XXXX XXXX XXXX XXXX, not in its individual capacity but solely as owner trustee for RCF 2 Acquisition Trust c/o XXXX XXXX XXXX XXXX XXXX. 


XXXX. XXXX XXXX XXXX XXXX XXXX, not in its individual capacity but solely as owner trustee for RCF 2 Acquisition Trust c/o XXXX XXXX XXXX XXXX XXXX XXXX Mail Code : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, DE, XXXX claims to have an interest in my property. I deny that claim. I am the Landlord, Secured Party and Priority Creditor of the property\home located at XXXX XXXX XXXX XXXX XXXX, New Hampshire XXXX XXXX. 

XXXX. XXXX XXXX XXXX, XXXX, Selene Finance LP and XXXX XXXX XXXX XXXX XXXX have been served, via USPS Registered mail, full Administrative Process, Administrative Default and Irrevocable Estoppel by Acquiescence in an effort to stop this crime. All claim to have an interest in my property but have not supplied any evidence of proof of claim. 

XXXX. Both XXXX XXXX and XXXX XXXX XXXX, XXXX. tried to pull off the same Scam four years ago, XX/XX/XXXX, which I was able to stop. This is evidenced by Consumer Financial Protection Bureau Complaint Number XXXX filed XX/XX/XXXX. 

Therefore i send prayer for remedy and relief for the crimes against my good name and property. 

Sincerely, XXXX XXXX XXXX sui juris, All Rights Reserved, Without Prejudice. 
Authorized Representative for XXXX XXXX XXXX Authorized Representative for XXXX XXXX XXXX Authorized Representative for XXXX XXXX Authorized Representative for XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally demand the immediate removal of five unauthorized inquiries from my credit report, as they were not authorized by me and constitute violations of the Fair Credit Reporting Act ( FCRA ). These inquiries are causing unnecessary harm to my credit profile, and I am exercising my rights under federal law to ensure their prompt deletion. This is the second time I have requested this removal with Transunion. 

The inquiries in question are as follows : 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  These inquiries violate the FCRA under the following provisions : FCRA 604 ( 15 U.S.C. 1681b ) Permissible Purposes of Consumer Reports A credit inquiry is only permissible if it is made with written consent from the consumer or for a specific transaction initiated by the consumer ( such as a credit application ). I have never authorized these inquiries nor initiated any transactions with the companies listed. As such, they constitute an unlawful access to my credit report.

FCRA 1681c-2 ( 15 U.S.C. 1681c-2 ) Identity Theft Protections Some of these inquiries were made without my knowledge or consent and may be associated with fraudulent activity or identity theft. If these inquiries are not immediately removed, I reserve the right to classify them as unauthorized access resulting from identity theft, which will further trigger my rights under this section of the FCRA. 

FCRA 611 ( 15 U.S.C. 1681i ) Procedures in Case of Disputed Information As I am disputing these inquiries as unauthorized, TransUnion must investigate and remove any unverified or inaccurate information. If these inquiries can not be verified as legitimate under 604, they must be deleted within 30 days from the date of this letter. 

Requested Action In light of the above, I am formally requesting that TransUnion Immediately delete the five unauthorized inquiries from my credit report.

Please consider this letter your formal notice of dispute. I expect your prompt and full cooperation in this matter.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Missing a deposit of {$1200.00} for over XXXX hours that should have been in my account XX/XX/year>. Telling us to call back but only providing platitudes and apologies with no solutions or timeline as to when my money will be deposited into my account. I have contacted the company 4 times between XX/XX/year> and XX/XX/year> with no solutions or answers as to why it occurred. Upon further research this has been an issue since Tuesday XX/XX/year> affecting millions of customers. All of this has started around the time it was announced they are being sued for {$2.00} XXXX dollars for withholding interest payments from customers. My bills and auto payments are late affecting my livelihood and I am XXXX XXXX XXXX
Product: Debt collection

Was seen in XXXX XXXX XXXX ER on XXXX/XXXX/2015, Paid {$25.00} @ ER balance owe {$750.00} ..I have paid {$25.00} on XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 and XXXX/XXXX/2015. Received letter from Central Finanical Control stating my account has been with them for collection in amount of $ XXXXnot understanding why was my bill sent to collection and im attempting to pay what I can due to lack of work and illness
Product: Checking or savings account

Date - OD amount - Purchase amount XX/XX/XXXX XXXX $ {$17.00} XX/XX/XXXX {$35.00} {$5.00} XX/XX/XXXX {$35.00} {$61.00} XX/XX/XXXX {$35.00} {$16.00} XX/XX/XXXX {$35.00} {$14.00} XX/XX/XXXX {$35.00} {$170.00} XXXX overdrafts of which they only reimbursed me {$65.00} because they said that the bank could not return more, which were their policies, but I previously called for the same thing and that agent who answered me said that it was a service to help customers and that I could activate it whenever I wanted and just calling before the overdraft month was up so they could refund it, and now the agents say something else, that they can't and that's why I accepted the partial refund of {$8.00} for each overdraft, which was unfair and illegal.
Product: Debt collection

I would like to report this business for violating Fair Debt Collection Practices Act ( FDCPA )! They have continuously contacted me from various different numbers. I have not answered due to being very busy with XXXX XXXXl and being a mom. Which I told the harassing agent! They call several times a day sometimes back to back. Today I was informed from my mother in law that they called her looking for me. That is a clear violation of FDCPA! I call them back after this and was not rude at all. The agent who I originally dealt with was VERY rude and also violated FDCPA multiple times! He stated that I owed xyz $ and asked for full payment. I said I could not afford that and asked what type of payment plan I could arrange. He said that the company was requesting full payment and he could do a lower $ amount. I said okay what are the payment for that? And he said like 2 or 3 work {$320.00} something down. I said I cant do that and if you cant take a payment plan I would have to let it go to small claims. He then said I would never get my XXXX XXXX if I did that ( which is a complete lie and fear tactic to get a debt paid ) and I said for one if I had the money I would pay in full and two that is not true about the XXXX XXXX and I took that as a scare tactic. He then asked me so what did I do defraud the original company to get the loan?! I said no I lost my job and was unable to pay! He also belittled me and said I was very niiave and was down right disgusting! He then transferred me to a XXXX who kindly set up a payment arrangement for the debt and listened to my complaint of how I was treated. However, I felt pressured to enter that agreement that I can not afford. I will be reporting this business here and with the CFPB and the FTC. I am requesting ALL contact from this company to me or my family, friends, employer etc.. to stop immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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
Product: Credit reporting

I disputed several items on my credit report with Equifax. The items are not mine. Equifax never sent the results of my disputes. They sent me a letter listing several inquiries that they stated they disputed and that they updated my address. I never disputed the inquires or my address information. Equifax ignored the disputes that I sent. It has been 60 days since my disputes on the Erroneous, inaccurate accounts.
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 Name : XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE

PURPOSE to be on my credit report.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 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: Mortgage

My home was slated for foreclosure. In XXXX 2016 I was contacted by a man who saw my home listed on the Internet. I had contacted my Lender for an application for a HAFA short sale in XXXX. The Lender is required to respond within 10 days. They did not! In XXXX 2016 I received several mailings from the lender including a Loss Mitigation review Summary Package. They approved a traditional short sale ; and did not even consider the HAFA, nor did they explain their decision. I meet all of the criteria for HAFA. Can you please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these 5 inquiry accounts on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has continually reported a XXXX dollar debt. In the past they even double reported this debt to my credit report. I've disputed this multiple times and had it removed by the credit reporting agencies, they do not have standing to report this debt. They keep re-reporting the same debt by adjusting the date to a more current date.
Product: Credit card

Bank of America closed my credit card account that I've had for nearly 12 years with them ( my oldest account on my credit history ). They did not notify of the closure before or after closing. There had been inactivity on the card for a while, but no communication that they were about to close the card if there's no activity in XXXX days/months. 

I recently discontinued using my card from another bank and planned on beginning to use my Bank of America card again. Unfortunately, I found out the hard way that it was closed whenever I tried to use it and my purchase was declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX of XXXX : XX/XX/XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  I Account Number : XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  XXXX of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX responded to a cfpb report that they didnt do the reporting therefore this should not be on my XXXX file XXXX file XXXX file Transunion file Cfpb Report number XXXX I demand the reporting to be removed and deleted and blocked immediately