23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 13 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX
Product: Mortgage

I applied for a mortgage refinancing with Amerisave Mortgage Corporation XX/XX/XXXX, and was charged a {$500.00} application fee. 

I provided all requested documentation to support the application. 
I was provided with an initial closing disclosure XX/XX/XXXX. 
I made repeated requests to obtain an updated disclosure statement since rates had continued to change during the extended period. While rates had continued declining, the updated disclosure fixed the rate the same while cutting the previous lender credit offered in half. 
On XX/XX/XXXX I emailed my originator requesting updated pricing ( rates/pts ), which I received that day. I then requested updated disclosures with one of the pricing options in the table. 

On XX/XX/XXXX, 80 days after my application, I was emailed a notice from " XXXX '' stating that " we have closed your file for incompleteness or we are unable to approve you for a loan program ''. 

The email also said " Attached is a notice of declination which indicates the reason ( s ) your loan request could not be approved. '' However, there was not an attachment, there was a link to a message that said to log into my Amerisave portal account and click the link again. I followed the instruction and still could not get the explanation document. 

I called my assigned loan processor, who told me that there was an apparent underwriter 's note that indicated the application had been denied due to excessive debt to income ratio of 85.6 %. That is a completely erroneous figure. It is actually 1 - 85.6 %. I requested that a copy of the notice of declination be emailed to me, but they did not have access to the file. 

I called the customer service phone number to complain about this situation, and I was told that the case was being elevated to two supervisors ( the originator 's and processor 's ) and that I would receive a reply within 24 hours. I have not received any reply as of yet, which is beyond the 24 hours now. 

Amerisave charged {$500.00} to APPLY for a mortgage refinancing which the originator said would likely close within 45-60 days of application. After 80 days I received a denial of service without explanation, and have not been able to obtain explanation after reaching out to customer service.
Product: Debt collection

I am filing a complaint against PENN CREDIT CORPORATION because they are attempting to collect a debt that I do not owe them. Account name : PENN CREDIT CORPORATION, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
COMENITYCAPITALXX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX
Product: Credit card or prepaid card

In XXXX XXXX I was approved at Belk Dept.store in XXXX, NC XXXX. I charged to full limit and never paid late. Purchases were between store and online. My card was lost in XXXX. I received a new card and activated it on or around XXXX XXXX XXXX. I attempted to make and online purchase and purchase was denied. I called Belk around XXXX and was told to reapply. I was told the active card, activated around XXXX XXXX XXXX was not active due to not making purchases. My last purchase was made online and Belk could not find the record. I was told the only way to reactivate the approved successfully activated card was to reapply. I reapplied on XXXX or XXXX. The application generated a message that I would have status of application 24-72 hours as I recall. Today, I received an email stating I was denied due to previous approval. After at least an hour I was transferred to an underwriter at exactly XXXX eastern time I was hung up on by Synchrony Bank underwriter who said I needed to reapply because I did not speak to and underwriter soon enough, I asked what the time frame required was and was told it is specific to each application and each applicant, then he asked when did I apply, I said 24-72 hours ago, his response was that this is my answer to my question. I said my question was, when did your company pull my credit report and why was I not advised to contact an underwriter, and what is the time frame. My report was pulled 24-72 hours ago, why am I being requested to reapply? The letter that Syncrony generated I am copying email to me on XXXX at XXXX XXXX : Synchrony Bank has received your request for credit for a credit program with BELK. Regretfully, your request can not be approved at this time. The boxes checked indicate the following X The request was judgmentally reviewed and denied for the following reason ( s ) : PREVIOUS APPLICATION APPROVED
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complain certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the items/account as they are fraudulent & were opened without my consent or knowledge... Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Address : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Account : XXXX XXXX XXXX XXXX. If you claim this account is XXXX XXXX accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Checking or savings account

I had a XXXX fraudulent charge from XXXX. 
XXXX told me to dispute it with chime and they would approve it Chime denied the dispute even with paperwork from XXXX saying they would approve it
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was an authorized user on 3 XXXX cards. I had called XXXX  and asked to be closed on all authorized users accounts I was on which was on my cousins. But I don't won't wan na be held accountable for the money he owes.

If you guys can kindly close me out of all these 3 XXXX cards it would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX XXXX XXXX XXXX Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX XXXX XXXX XXXX  of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello back in 2019 I submitted identity theft report in 2019, I had my identity and info compromised not once but twice but twice when the XXXX breach happened my name has been dragged through the mud and I owe money to a bunch of accounts that I didn't even apply for my phone was stolen had all my info in there, got so many calls and inquiries on my report that I did no authorize, reported to police no one ever followed up with me and I've been financially sturgglince since then and throughout covid, I am a XXXX XXXX worker a XXXX, I am one of the backbones of this country fighting this war, and I have gotten no respect, from anyone, this has brought me to XXXX new XXXX, I have documented proof of my depleting, mental health!!! filed two police reports and test bureaus refuse to remove this false info, and have never even validated debt never gave me original statements and paper work, these companies have recouped their money and I and my family are still broken. I NEED HELP, I CAN NOT continue to struggle like this, my family is suffering!!!
Product: Student loan

I applied for a parent plus loan - I DID NOT apply for a student loan that is showing on my credit report. WE were not contacted for any such loan, sent any terms or payment statements. This was not authorized as such. School DID NOT contact us regarding any difference in original agreement.
Product: Mortgage

See attachments : *8 pages from Loan Depot stating the same statement " further research time '' *New document since last request for help -- IRS 1098 showing payoff and remaining balance of {$0.00} and reporting {$460.00} less payoff amount from Loan Depot 's original document " Thank you for your payment '' dated XXXX. NOTE : IRS 1098 form shows late payment also paid. Once again, " Thank you for your payment of {$50.00} late payment paid XXXX *What other research do they need? Loan Depot 's own admission three time states that loanXXXX is paid in full. ( page 16, page 2 and 3 ) *Document also attached from closing XXXX XXXX, payoff of XXXX XXXX as of XXXX $ XXXX {$170.00}, XXXX ( page 3 of attachment ) or reported 1098 form ( page 16 of 16 ) payments applied {$170000.00}, over reported of {$490.00}. 
*Loan Depot owes me {$6000.00} over payment *I am seeking an attorney for {$6000.00}, attorney 's fees and interest due since XXXX. Seeking attorney Monday XXXX, they have had enough time to so called " research '' *Can you help me? 
*Sending all documents to your address certified mail so someone will open and assist me in this matter.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block, lnc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I have an existing mortgage with PennyMac. 

I wanted to apply for a home equity loan. PennyMac 's website had an add that said : " Access cash from your home equity and keep your existing low interest rate ''. 

On XX/XX/year>, I applied for the advertised loan. When I was selecting the amount I would like to borrow, I chose the lowest option available of {$35000.00}. 

Today, XX/XX/year>, I was contacted by a loan officer from PennyMac who said the lowest amount we could borrow was {$50000.00}. That's {$15000.00} more than the minimum on the application. 

I was also told my interest rate would be 10.99 %. My existing mortgage rate was 3.5 %. I told him I would consider it. 

I went back to the PennyMac website and took a screenshot of the advertisement about keeping my low interest rate. 

I emailed the loan officer. He claimed that the phrase " Access cash from your home equity and keep your existing low interest rate '' didn't mean I would get the exact same interest rate as my existing rate. It does mean that! He was trying to charge three times more than my existing interest rate. 

In my email, I also asked about the minimum for the loan in the application being {$35000.00} when he had said {$50000.00} was the minimum. 

He said it didn't matter what the application said. The " investors '' wanted a {$50000.00} minimum. 

I have a screen shot of the advertisement and the email from the loan officer saved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card

I closed my credit card with first progress in XXXX. This was a secured card so I had to put down a {$200.00} deposit when I first opened this account ( years prior ) I have been asking when this deposit will be returned to me and none of the customer service agents can give me an accurate time. Ive had multiple conversations now with different agents with only one person telling me it would be the first week of XXXX. when I just called again today the agent said she had no account of that conversation and didnt know when the reimbursement check would be sent out. She then informed me that she would send an email requesting more information, but there is no way to contact me once she got that information. I requested a call back once she heard back from the email and she said I could call back in 5 days. Ive now been waiting since XXXX for my reimbursement check with no idea of when this is going to come. if it was the other way around and I owed them {$200.00}, my credit would be dinged immediately, but for some reason, I cant get back the deposit that was required of me to put down before I could start even using this card. Also, since Ive closed my account in XXXX, Ive received monthly invoices from them with a XXXXXXXX XXXX  due and a note that says my account has been closed. So Im not sure how theyre able to keep sending me these invoices when they cant even send me my deposit.
Product: Debt collection

I was in a car accident and had a lawyer involved who paid all my medical debt that was caused by this accident. Before the lawsuit was settled the medical bills did however go to collections. But when the debt was settled my lawyer paid the hospital and not the collection company. So this debt has been paid. I never received a bill about this debt and then all of a sudden I got a notification that my credit report had a debt collection on it which was from XXXX XXXX being collected by Phoenix Financial Services for {$1500.00} and one for a {$100.00}. These debts have been paid by my lawyer and I am no longer responsible for this debt. Also I am one who had my XXXX credit report hacked so its possible this could be a fraud attempt to get money from me. These collection debts are appearing on all three credit reporting agencies.
Product: Debt collection

We did not reaffirm the mortgage of our home when we filed bankruptcy in XX/XX/XXXX. The bankruptcy was XXXX. Several months later, Chase Mortgage began contacting us. After telling them several times it was in a bankruptcy, I found out that Chase had not received the proper paperwork from my lawyer. The lawyer then faxed it to them. However, they continue to call even now in XX/XX/XXXX. Because I am a service member, they can not foreclose and end this. I do n't want a foreclosure on my record in addition to a bankruptcy anyway. I want to begin repairing my credit from the bankruptcy XXXX in XX/XX/XXXX but Chase has not cleared my account. There has also been a change of address to a XXXX entered with Chase by someone, neither me nor my ex-husband. Now, mail sent to that address is being returned to Chase as well. We suspect foul play there. Regardless, within the Chase company, there appears to be poor communication and practices. They are not making an effort to research documents sent to them and clear my account. As a servicemember, I will have to have a security check in the next 2 years ( checked every XXXX ) and an outstanding mortgage debt of this size for this may cause me to lose my security clearance,
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfil its legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable reinvestigation of disputed information unverifiable account unresolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issue such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence, I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX,

has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for Purpose
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late by the Creditor : I made the payment on time, but due to an internal processing delay by the creditor, the payment was marked as late. I have attached bank statements showing the payment date, confirming that the payment was submitted before the due date.

System Error in Payment Posting : There was a system error on the part of XXXX XXXX which led to a delayed posting of my payment. I have included email correspondence with their customer service confirming this error. 
Inaccurate Late Fee Notification : I was not informed of any pending late fees or penalties before the payment was processed, which further proves that the delay was caused by their internal system error and not by a failure to pay on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing this due to non-compliance with the IC SYSTEM. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.