23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/20 and XX/XX/20 I spoke with a Penny Mac representative about refinancing my existing mortgage, which Penny Mac currently holds. They knew that I am a current Penny Mac customer. This representative plainly and repeatedly assured me that Penny Mac would meet or beat any other offer and, specifically, the offer I currently had from my credit union. I was trying to compare offers to make an informed decision about my most important asset - my home. 

Instead, Penny Mac used a " bait and switch '' tactic. I made sure their representative understood that the reason I agreed to complete an electronic application with her and with a credit card payment of {$440.00} was because I expected that I had nothing to lose even if my credit union 's offer came in better the next day - even if it was better, Penny Mac would meet or beat it.

( I was anxious about this because the verbal rate quote of 3.1 % from my credit union was lower than the verbal quote from Penny Mac. ) The credit union provided me with loan specifics at the original rate of 3.1 % on the afternoon of XX/XX/20, which I emailed at that same time to Penny Mac 's representative for comparison. I followed up this morning, XX/XX/20 with an email and then a phone call. 

The representative said she would talk with her manager,  but came back and said they couldn't beat the credit union 's offer. I asked to speak to the manager ( XXXX XXXX ) ; I  asked the manager to listen to the telephone recordings of conversations between me and his representative to verify my objection to this sudden inability to follow through on the offer that enticed me to sign their application and allow my credit card to be charged. He said they couldn't beat the offer, that they only promised to try and that my expectation was unreasonable because their mortgage company wouldn't make enough money off of my loan. 

I sent three emails this morning ( XX/XX/20 ) directing anyone and everyone who contacted me about this refinance matter to STOP this process for going any further. I also placed a dispute with VISA to get my money back, but I would prefer that Penny Mac reverse the credit charge of {$440.00} without further delay. And I want them not to do this to anyone else.
Product: Debt collection

Fair Collections and Out hired by XXXX XXXX reported we broke our 3 month lease this is false information. We were forced to settle because we can not get a home with this information on credit. The lease was a three month lease and 30 days notice was given as requested by apartment manager I believe they falsified documents changing it to 60 days notice. We paid XXXX extra a month for a three month lease with exact move out given at time of lease signing. All three credit bureaus did not review entire case as the apartment did not report accurately. The apartment never gave us a damages move in checklist this is illegal under Kentucky Tenant Landlord Act The apartment was deplorable
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent Capital One an email in regards to Credit Bureaus, I can say one thing is I finally got XXXX to remove the Un-Authorized Hard Inquiry off my Credit Report. But the battle is still on with XXXX and XXXX. Its been 21 days since my last email and I was told that very same night I do believe that there was an on-going investigation, and in those 21 days I have not heard a thing from Capital One. I dont know whats so hard about this situation. This is 3rd Attempt, the Previous 2 Attempts no results and no answer each so-called investigation more than 45 days old. 

No one within Capital One apparently knows how these Hard Inquires got on my Credit Report as Hard Inquires but I can say one thing this is not fair to me as the consumer when I never filled out an application nor did I authorize your company to pull my credit report. I guess I will have to open a FRAUD CASE against Capital One since how, all your company wants to do is send me one of your automated letters stating that Capital One does pre-screening. What I want to kow is what is your company pre-screening on me. I didnt request yalls buisness, I dont want yalls business, and your business does not belong in my XXXX and XXXX Credit Reports. 

And I dont want your company pre-screening my credit file. All im asking is for Capital One to remove these 2 Hard Credit Inquires from the 2 Credit Bureaus. Whats so hard about that.
Product: Mortgage

Barrett Financial is promoting advertisements starting he or they give the lowest rates. Im a XXXX  and am not allowed so wanted to report them. Also if he can blatantly state he has the lowest rates than what else is he doing? Is he really licensed in 49 states?
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting approved, trying to get cards. The account listed below is not mine. I sent in multiple letters and haven't received any response. I don't understand why is this taking so long. Please help List of the account that doesnt belong to me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

All personal items such as social security, passport, W-2 and paystubs were stolen. 

Police Report was filed with the XXXX Sheriff 's Office. 

on XX/XX/2021 an attempt to link an account from PayPal to my checking was conducted. I cancelled the account and had PayPal remove my account. PayPal would not release the email of the person attempting to gain access.
Product: Credit reporting or other personal consumer reports

I am writing to seek your assistance in resolving an issue related to a charged off account. I believe it is crucial to bring this matter to your attention as it involves unfair treatment by Experian I recently discovered that my account with XXXX has XXXX charged off. However, I have concerns regarding the accuracy and legitimacy of this charge off. I have made several attempts to communicate with the creditor and obtain information about the charge off, but my efforts have been unsuccessful. I would like to request your intervention and investigation into the matter, as I believe there XXXX be violations of consumer protection laws or regulations. Specifically, I have the following concerns : XXXX. Lack of communication : Despite my attempts to contact the creditor, they have failed to provide me with clear and concise information regarding the charge off. I believe that as a consumer, I have the right to be informed about the status of my account. XXXX. XXXX of debt : I would like the Consumer Financial Protection Bureau to help me ensure that the charged off amount is accurate and properly documented. I have not received any validation or verification of the debt from the creditor, which raises doubts about its validity. XXXX Credit reporting accuracy : I am concerned that the charged off account XXXX have been incorrectly reported to the credit bureaus, negatively impacting my XXXX XXXX. I kindly request your assistance in reviewing the accuracy of the credit reporting associated with this account. I kindly request that you keep me informed about the progress of your investigation and any actions taken as a result. Additionally, I would greatly appreciate any guidance or advice you can provide me regarding the steps I should take to resolve this matter and protect my rights as a consumer. I trust in the Consumer Financial Protection Bureau 's commitment to consumer protection, and I am hopeful that your intervention will lead to a fair resolution of this charged off account. XXXX XXXX has not provided validation information under 12 CFR 1006.34 ( B ) ( XXXX ) but yet they placed a collection on my consumer report. 
I have not been given a chance to dispute account according to 12 CFR 1006.34 ( C ) ( XXXX ) ( I ) Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of XXXX XXXX XXXX ( D ) and 15 USC 1681-S2 ( XXXX ) ( A ) Requesting the purchase agreement between collection agency and original creditor Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple disputes and my repeated efforts, these late open accounts have not been corrected. The continued presence of these inaccuracies on my credit report has had detrimental effects on my credit score, financial stability, and overall well-being. I am unable to secure loans, obtain favorable interest rates, or access various financial opportunities due to these errors. I kindly request the following actions be taken promptly : A thorough and comprehensive review of my credit report to verify the accuracy of the late open accounts in question. An investigation into the origins of these inaccuracies and the verification of my claims regarding the correct opening and closure dates of these accounts. Immediate correction of these late open accounts from my credit report. Please help me correct the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Mortgage

Please reference my previous complaint XXXX. 

The company did not provide a reason WHY my Trust was not acceptable.
Product: Credit card or prepaid card

I had XXXX accounts with comenity bank. 

Card XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX went out business and comenity closed the account instead of converting the account. No options were given and credit bureau was notified of this closure by comenity in which there was a negative impact on my credit report. 

Card XXXX XXXX XXXXe of credit XXXX. Comenity issued line of credit and card before I received the physical card in the mail comenity closed the account staying to many inquires after the application was already approved account open and card in the mail. Comenity reported the close to credit bureau cause a 2nd negative impact ti my credit score and rating. 

I feel these practices are completely unacceptable.I am very destroyed by this unacceptable practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX card is not being reported for XXXX XXXX.
Product: Checking or savings account

I always check my account before making a purchase. Wells Fargo has always posted my transactions as pending and subtracts my purchase from my balance and I see how much i have left. As the pending transactions start to post something happens that I end up negative in my account and end up with an overdraft fee. Even though my transactions are pending they show my balance as if it was already taken out and supposedly it all depends on when the merchant puts the transaction through but then why put it as pending and actually subtract it from my balance if they are supposed to wait until it post. This has happened to me about 4 times already and it only seems to happen when I make a lot of purchases in a couple days time one after the other. When I make a lot of purchases they seem to get me with an old transaction from like a week ago telling me that it just posted and that's why I become overdraft. Everytime I make a purchase whether its online or in a store I always look at my account and make sure it went through and it Is at least pending and I see that it was subtracted from my balance and I see what balance I have remaining. I would not spend money that I don't have and if the money wasn't in the account my card would be declined it really just doesn't add up.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app, due to inadequate customer service and unfair practices, which violates the consumer financial protection act. 

Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Which has caused me a big inconvenience and a major loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ERC  ACCOUT # XXXX HAS VIOLATED MY RIGHTS. 
15 usc 1681 section 602 a states i have the right to rpivacy.

15usc 1681 section 602 a states i have the right to privacy.

15 USC 1681 SECTION 602 A STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 1 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FRURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report all three bureaus and saw a company called XXXX had pulled my credit. When I contacted said company from the address which was on the credit report they were unable to send me a copy of a signed application in which I had granted them permission to access my credit. I then called them to find out they had no documentation in which I had provided to them or any company who subscribed to their service permission to access my credit all they did was send me a copy of emails in which I spoke to a mortgage broker.
Product: Debt collection

XXXX XXXX {$6700.00} I reported that account years ago somebody got into my account and stole all my money and the banks money I was broke then they told me I owed them like I did it I even tryed to XXXX those and they didnt believe XXXX I was saying I would never bank with regions ever in my life
Product: Debt collection

On XXXX of XXXX I have noticed a debt had been added to my credit report in XXXX it state it was opened in the state of Ga, I had contacted the company but was n't very much successful in getting the problem resolved. XXXX XXXX, XXXX I sent the company a certified HIPPA letter for them to verify this debt that they claim I owe. I gave them 30 days to respond I have not received anything to verify that this debt is mines. It is now XXXX the XXXX XXXX still no verification. By law if they ca n't verify that this is my debt it must be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union charged of my account and closed a year after delinquencies. 

Sold my account to collection agency, when ask for verification and proof of ownership of account they said they would contact NFCU. 

After disputing incorrect information on XXXX and XXXX due to incorrect amounts and dates they updated the information three times instead of deleting. 

Requested ownership from collection company still has not been received. Account needs to be removed. 

They also have been allowing overdrafts and delaying payments to collect more overdraft fees.
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXXccount # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX XXXX XXXX Account # XXXX XXXX However, they stated everything was complete and accurate. And in ther stall letter stated that I needed to contact them and use their removal tools... I am getting the run around while trying to ADVOCATE FOR MYSELF saying I am using a third party. also I do not understand everything complete and accurate how is that possible if the open date, date of last activity and much more is incorrect. According to XXXX5 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case atttached are a copy of the letters sent out on XXXX to each of the three credit bureaus.
Product: Credit reporting or other personal consumer reports

i was XXXX XXXX XXXX when i became a victim of XXXX XXXX and someone has been using my personal information to obtain goods and services, i have been batling XXXX XXXX for the past 7 years and its been a challange seems like i cant stop the creditors from attacking me saying that i owe them money when i keep telling them it wasnt me and i am a victim of XXXX XXXX please use code 605c and help me get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made on line payments on my credit card account for years with XXXX XXXX XXXX XXXX. 

They updated their online payment system in XXXX of XXXX, and my credit card payment was made as usual yet not recorded in the new system. I made an additional payment on the account when the first one seemed to have gone astray, and both of these payments show on on my XXXX records, yet my account was still reported as unpaid by XXXX. 
I immediately filed a dispute with XXXX and Transunion, and received a statement saying the error was on their part and would be corrected. 
30 days later the misinformation remained on my credit report, so I filed another dispute, and this time it was verified by XXXX as being correct, claiming I missed a payment when in reality I had made two payments that month. 
It is now XXXX of XXXX and this information remains incorrect, leaving me no option but to accelerate this action to the CFPB and my local states attorney office.
Product: Student loan

I filed a complaint with your agency last week. This complaint is in regards to Navient private student loans. I spoke with my rep, XXXX, who offered me a seven month the forbearance on one of my private student loans which was the most likely to default. When I signed in to Navient system the forbearance payment of {$50.00} I made and the forbearance was nowhere on my account. I sent an inquiry to Navient and I filed a complaint with your agency. Navient has now contacted me and is claiming that the forbearance was backdated and ended on XXXX 2017, so my loan is not actually in forbearance according to a different representative. That is not what was explained to me by the representative I spoke to at Navient. I was informed that the seven months forbearance would allow me to get the other two loans caught up potentially and figure out some financial options. Navient is saying they backdated the forbearance. That whole argument is confusing because they have already reported me negatively to the credit bureau 's and if I was in forbearance they would n't have anything negative to report.
Product: Credit card or prepaid card

Prior to XX/XX/2022 I religiously paid my credit card bill with the same debit card that has both my personal name and business name on it issued by XXXX. I use this card because the company I do contract work for issues payment via XXXX and the fees to transfer to any other account are astronomical. I NEVER HAD ANY PROBLEMS PAYING CAPITAL ONE WITH THIS METHOD BEFORE. 

XX/XX/2022 I tried to pay my credit card bill online and kept getting declined. I called capital one and the associate said that it was it decided due to method of payment and for me to contact XXXX and find out why. I had to pay the crazy transfer fees to move money to a different account just to pay capital one and I called XXXX to find out what was wrong. They didnt have an answer but issued me a new card to be sure it wasnt a problem with my card. 

XXXX payment was the same ordeal. I didnt want to have to pay the insane transfer fees again so I was told Id be contacted by IT department at capital one to resolve the matter but never was. I called daily as I was racking up late fees on my overdue payment. 

XXXX I called when it was due again and still couldnt make a payment online but also was locked out. They closed my account. Due to nonpayment. I spent XXXX hours on the phone and was transferred multiple times after numerous people in several departments couldnt determine why I couldnt make a payment even after they closed my account and I was just trying to pay the balance to resolve the account. 

Finally the last person I spoke with said it was because I couldnt use a business card to pay the account. Though my first and last name is the billing account, XXXX the sole owner of the business, Ive used this card for over a year to make payments on this account and why does it matter how its paid? I asked him where it says that in the terms I agreed to when accepting this credit card and he put me on hold for XXXX min while he looked for the policy. He came back and said he couldnt find it. But it didnt matter because they already closed my account and would be sending it to collections as closed and not paid. Although Ive been trying to pay it for months. 

So a new unreasonable policy that isnt published that I suddenly cant pay my bill with a debit card that Ive previously used because I also use it as a business debit card has resulted in a collections and closed account on my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

At XXXX on XX/XX/2020 I went to XXXX XXXX, located at XXXX XXXX   XXXX XXXX , XXXX , Az . I was looking to see if I could upgrade my vehicle. The salesman, XXXX showed me 2 vehicles, one in particular a XXXX XXXX XXXX XXXX XXXX XXXX /XXXX. I distinctively told him not to run a credit report,, because I was only looking and to possibly trading in my XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent accounts and inquiries that appear on my credit report. I am a victim of a data breach and identity theft, and I am requesting that these accounts and inquiries be blocked and permanently deleted from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Please find below the details of the fraudulent accounts and inquiries that I have identified : Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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