23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PennyMac has withheld funds for more than 60 days preventing us to have the insurance money ( XXXX XXXX ) to get our home repaired. They claim numerous times that there is missing paperwork, even though we have sent it by XXXX Mail ( XXXX ) as well as by fax. Each time we call to check on the 'status ' of our claim, we are told a different story by a different claims rep. For instance, when we called on Monday the XXXX of XXXX, we were told our endorsed checks had arrived and would take " up to XXXX hours '' to process. When we called back Wednesday the XXXX, we were told " The checks were not yet in the system and it could take 7-10 business days for them to clear ''. Each call is a different story with conflicting truths and timelines. We called five ( 5 ) days in a row asking to speak to a supervisor and was told each time, " You are on the XXXX hour call back list '', yet have not been called back ... not even once. We were informed that only XXXX of the funds would be disbursed at a time unless we submitted a request for 50 % release of funds, which we immediately did. Less than a week later we were told that " The Investors never approve more than XXXX. '' It is now more than 60 days since the XXXX check from our insurance company was issued to fix our leaky roof and still pennymac is holding that money hostage with lies and deceit. 
We are in the midst of the " rainy season '' here in XXXX Arkansas, and each day brings more rain that flows through the roof into our home, onto the floors, subfloors, floor joists and foundation. The damage that is occurring is tremendous! We need a new roof ... now! 
A roofer will not fix it for free with the promise of some mortgage company that the money will be sent XXXX day, and we do n't believe they should either. 
Pennymac has dropped the ball in this case and is causing our home to become ruined with water, mold and rot. We want pennymac to fix the roof and all other damaged components to the home due to their neglect and willful withholding of insurance funds for repairs. We want pennymac to be fined for violation of section 6 of RESPA concerning timely payments of escrow accounts.We want pennymac to pay punitive damages for the stress, hardship and trouble they have visited upon us. We want compensation for pain and suffering. If the mold and nastiness caused by our leaky roof causes any sickness to our family, we ask pennymac be responsible for all hospital and loss of work due to illness. Pennymac should be penalized compensatory damages for their egregious conduct.
Product: Debt collection

Century Credit & Collections , LLC has continued to harass and threaten me with constant telephone calls. I was threatened with credit reporting that would adversely affect my credit. I have made multiple attempts to reconcile the account with a repayment plan. Century Credit & Collections , LLC refused to accept a payment plan I could afford. As a result, I was hung up on. These kinds of strong arm tactics are unacceptable, unprofessional and create emotional distress.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX XXXX XXXX  ( XXXX ) XXXX over 30 days ago and they have yet to respond to my Affidavit Of Truth, which was sent to them via certified mail. Which they received on XX/XX/21 and they have failed to answer. I informed XXXX XXXX XXXX ( XXXX  ) XXXX  that I am disputing their claim. Moreover I requested that XXXX XXXX XXXX ( XXXX ) XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal. XXXX  XXXX XXXX  ( XXXX ) XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency. This account should have been deleted off the CRA files. Further more the fair credit reporting act regulates how creditors handle consumers dispute. The statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct. After 30 days have expired if creditor have not completed the investigation the disputed item must be deleted. Finally XXXX  XXXX XXXX  ( XXXX ) XXXX  failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.
Product: Mortgage

XXXX XXXX Mortgage sold my home loan to Specialized Loan Servicing ( SLS ) in XXXX 2016. In the process, SLS did n't get my insurance information and did n't pay the premium from the escrow balance. SLS sent me a notice and asked me to upload a copy of the insurance. I did that around XXXX XXXX, 2016. At that point, I understood that the problem was solved. However, apparently the insurance premium was never paid ( from the escrow balance ) and the insurance company cancelled the policy. I was n't aware of this. Meanwhile, SLS went ahead and purchased new insurance for me without telling me. ( I guess they sent me a letter but they did n't call me ). The new insurance was {$2200.00} per year. The insurance I bought was {$1000.00} per year, so their insurance was {$1200.00} per year more and my escrow payment went up {$100.00} per month. I had automatic payments set up and was {$100.00} short on a few payments. They put my account into delinquent status and they dinged my credit report. 
All of this resulted from SLS 's failure to get my insurance information from the other bank. Nobody called to let me know. I 'm getting screwed by SLS. Please help!
Product: Debt collection

My mom XXXX XXXX worked remotely for XXXX XXXX, a company in texas 2 years ago. She did not own or have any financial interest in that company. 

My brother and I, XXXX and XXXX XXXX are Florida XXXX XXXX XXXX and own 100 % of XXXX XXXX XXXX, XXXX. We processed a payment from a customer using Square for XXXX and Square withheld XXXX to pay a debt owed them by the company in Texas, XXXX. 

Weve explained and provided documents showing that myself and my brother, XXXX and XXXX, and XXXX XXXX have no relationship and never have with XXXX, and that our mother, XXXX does not have any financial interest in our XXXX XXXX, but they refuse to listen and are taking money as a debt collector for a company we have nothing to do with. Please help
Product: Credit reporting or other personal consumer reports

I requested inaccuracies regarding my name, address and employer be verified and corrected with proof of verification and correction. 
I disputed multiple inaccuracies on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After a thorough review, I have identified the following errors : Incorrect Name on Report : [ XXXX XXXX, XXXX XXXX XXXX, these should be removed Correct Name : [ XXXX XXXX ] Incorrect Address on Report : [ All Addresses Listed besides correct address below should be removed from my credit report ] Correct Address : [ XXXX XXXX XXXX XXXX XXXX, IN XXXX ] Incorrect Employment Information on Report : [ XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, these should be removed Correct Employment Information : [ XXXX XXXX XXXXXXXX ] Incorrect Phone Numbers : REMOVE ALL PHONE NUMBERS FROM MY CREDIT REPORT They replied saying the above inaccuracies were completed and removed but they are not, they are still on my reports. 

These inaccuracies may be causing significant harm to my creditworthiness and financial standing, and I request your immediate attention to rectify these issues. 
Enclosed with this letter, please find copies of documents supporting the correct information, such as my driver 's license, utility bills, and employment verification documents. 
I request that you conduct a thorough investigation into these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ), Sections 611 and 613. The FCRA mandates that consumer reporting agencies ensure the maximum possible accuracy of the information contained in their reports and allows consumers the right to dispute inaccuracies. 
I am also aware that, under the FCRA, you are required to complete the investigation within 15 days and provide me with a written summary of the results. I kindly ask for your cooperation in adhering to these legal obligations. 
Please remove the inaccuracies in my credit report promptly and provide written confirmation of the corrections made, including an updated credit report, as required by law. 
Thank you for your immediate attention to this matter. I appreciate your prompt resolution of these discrepancies to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> I am writing a formally dispute on all credit bureaus Experian, TransUnion, and Equifax. my information was exposed in a data breach and I have a reason to believe it violates my rights under XXXX XXXX Code XXXX, part of the Fair Credit Reporting Act ( FCRA ). As per this statue, I understand that consumers are protected against unfair credit reporting practices, and I do not recall authorizing these inquires or any matters that could harm my credit.If the Creditor can not provide any proof of authorization from me then I request an investigation of this matter and have all negative reports be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report, which I have never seen before and it was shocking to see the amount of fraudulent activity. There were addresses that didn't belong to me and I contacted the credit bureaus and was told paperwork had to be sent to them to have my issues addressed. I told them I did not recognize the inquiries on my report and based on my consumer rights I wanted them deleted immediately, especially since Equifax and XXXX  have had breaches that put my credit information in the hands of thieves. They said I would have to prove again who I was by answering more verification questions after they already verified who I was. I don't know if the agent understood what I was saying about my rights cause they did not sound like their first language was XXXX. Out of frustration I filed a report with the FTC # XXXX. These accounts/inquiries should not be reporting to my credit report/file because they do not belong to me and should be deleted immediately.
Product: Debt collection

XX/XX/XXXX opened Creditor : XXXX XXXX XXXX XXXX XXXX : COMMONWEALTH FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX These guys " XXXX XXXX XXXX '' are totally a scam. A ghost number that is no longer working and if you look up the address " XXXX XXXX XXXX, XXXXXXXX XXXX. '' is an empty lot. 

So, I'm calling Commonwealth the agency sending this to my credit reports on Monday or so. 

Please get these guys straight they seem to be taking, buying, and or other illegal fraudulent actions in obtaining my info from medical billing systems. 

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

On XX/XX/XXXX XXXX XXXX XXXX, Suntrust XXXX XXXX and XXXX XXXX XXXX XXXX banks sent an inquiry for a loan and I already purchased one on XX/XX/XXXX. I dont know why these banks would ask for my credit report a week after I already bought a car from XXXX XXXX in XXXX XXXX GA. I did not authorize this to be on my credit report and I want to know why they are on my credit report a week later.
Product: Mortgage

Monday, XX/XX/2018 I called Ditech to address a letter sent by Ditech. Ditech claimed that my payment was late when in fact all payment is on time and in excess of the monthly amount due. Ditech is collecting the extra money paid each month and applying it towards principle rather that applying towards the amount that fluctuated. 
Ditech disconnected the phone call twice.
Product: Credit card or prepaid card

2 months ago, I contacted Citibank Thank You Preferred credit card customer service requesting a temporary reduction in my interest rate as I had some unexpected expenses and inquired why my payment had jumped from the {$300.00} range to the mid {$400.00} per month. I said I had not made any additional purchases and the representative said that no they can't help me with any interest rate reduction and she started reviewing my account. She said " Oh, I see what is happening, you are being " punished '' so to speak with an additional interest rate being added to your already existing interest rate because of two late payments in a 6 month period. And that remains for 6 months and I was at the end of the punishment period, so that payment amount should drop on the next statement. She since she couldn't help me with reducing my rate, she would give me XXXX thank you points which I haven't seen on my statement either. 
Well the payment didn't drop, it remained in the mid {$400.00} range and what they are doing is wrong. Gouging customers for late pays with additional interest rates on top of the existing they are already charging and that is on top of late fees. Citibank is on the East Coast 3 hours ahead of us, so when we make our payment on the due date here in California, and because my work hours I've had to make it after XXXX at the ATM at a local branch, and its considered late because in NY its the next day. I have call the relationship manager in my local branch left 3 messages and never received a return call. I want to change the due date on my account, because of when my check arrives in the mail, and the local branch is of no help at all. I am shocked at what they are doing and it is wrong. Gouging customers with so much interest rate charges it makes it difficult to make the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations enclosed : The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] XXXX XXXX XXXX XXXX XXXX has agreed to settle Federal Trade Commission charges that its MINI Division violated the Magnuson-Moss Warranty Act by telling consumers that XXXX would void their warranty unless they used MINI parts and MINI dealers to perform maintenance and repair work.XXXX XXXX XXXX In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of 147 million people. The company has agreed to a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau, and 50 U.S. states and territories.XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the collection agencies as well as the sent letters on XX/XX/XXXX to XXXX, Transunion, and XXXX. I have uploaded the letters below. However it has been more than 30 days and the credit bureaus and or collection companies has failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

This is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. The credit agencies furnished these accounts that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and i did not participate in anyof it. More so they didn't follow the proper 5 step validation procedure which make thisunfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation andclearly they violated my rights.
Product: Checking or savings account

On XX/XX/22 and XX/XX/22 i attempted to make purchases online with my Current debit card through a company named XXXX. On XX/XX/22 i attempted a purchase for {$50.00} USD and on XX/XX/22 for {$250.00} but each transaction was declined for unknown reasons. I noted that although my purchase was declined, my account showed those purchase amounts as pending and those funds were deducted from my available balance. 
I spoke with XXXX via chat support and although they did admit to authorizing but ultimately declining the transactions Im question, they also stated that they had immediately cancelled those authorizations, which even in the worst cases, would not take more than 1-3 days for those funds to become available again in my account. XXXX even went as far as giving me the authorization code to give to Current, so that Current support staff could see that XXXX cancelled their request for an authorization/hold of any funds from my account and should feel safe to release those funds back to me. 
I have contacted Current via chat support about ten times since XX/XX/22 and have spent hours of my time attempting to reclaim my money which still sits as pending and unavailable in my account. Current continues to regurgitate the same autoresponses to me, mostly stating that they have a right to hold my funds for 7-10 business days, even though this hold causes a severe financial hardship on me, and continues a long time after the merchant has already confirmed that they no longer need those funds to be held by Current. 
I have {$2.00} available in my account and {$300.00} being held by these authorization/pending charges, which has put me in severe financial distress, as I have no money for food, gasoline, or any other basic need I had intended to use those held funds with Current remains steadfast with their lack of empathy or moral compass and do not see any need to release my funds back to me until XX/XX/22, XXXX full weeks beyond what they and I know was actually necessary. I, my girlfriend, and my cat XXXX wake up hungry every day because Current employees apparently enjoying hearing of others suffering, or are teaching me a lesson because I opened an unrelated transaction dispute around the same time or because I became frustrated and irate with their managers when I could get them on chat support. 
The merchant has done everything they can to try and assist me in getting my funds released but Current will not budge on their stance in my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so confused on what is really happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked XXXX  and Transunion where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE Remove  XXXX XXXX  (Original Creditor: XXXX XXXX XXXX HOSPITAL) XXXX, XXXX  (Original Creditor: XXXX XXXX) XXXX, XXXX XXXX XXXX    (Original Creditor: XXXX XXXX XXXX XXXX) XXXX
Product: Debt collection

I believe FCRA 605B stipulates the removal of any inaccurate accounts from my credit report. Could you please examine the documents? Several of the listed accounts appear to be incorrect, and it's making me feel uneasy.
Product: Credit card or prepaid card

Whereas every obligation is to be discharged upon payment, dollar for dollar ( in any coin or currency which at the time of payment is legal tender for public and private debts ). And where every provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed ; please take the necessary steps to discharge any debt incurred from consumer credit transactions on this card under HJR 192. 

Additionally, in accordance with 15 U.S. Code 1666 ( A ), please take the necessary steps to credit any balance created in connection with consumer credit transactions on this credit card. 

Capital One Venture One XXXX XXXX XXXX XXXX
Product: Debt collection

According to the FDCPA I am exercising my right as a consumer and you have violated me on multiple levels including defamation of character, invasion of privacy, harassment, and soliciting private information for financial gain! I DID NOT GIVE YOU PERMISSION TO FURNISH A REPORT ON ME. I demand remedy as is my right pursuant to 15 USC 1692. I demand you CEASE all communications with me through ALL mediums. You were also informed that this debt IS NOT mine yet you insist on trying to hold me responsible for it. Please see attached documentation for further details.