23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is a list of all hard inquires that are reporting to my XXXX, Transunion, and XXXX which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also Transunion, XXXX, and XXXX all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

PennyMac HAS engaged in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower requesting a loan modification. 

PennyMac has failed to deliver required foreclosure protections. 

PennyMac is using faulty information in the servicing of this mortgage loan. 

Please see attached letter correspondence dated XX/XX/XXXX, from the mortgage servicer, PennyMac Loan Services. 

The CFPB issued amendments on XX/XX/XXXX, The rule issued establishes new protections for consumers, including : Requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. 

The final rule requires servicers to notify borrowers promptly and in writing that the application is complete, so that borrowers know the status of the application and have more information about their protections. The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.
Product: Credit card

I paid my Venmo credit card balance ( synchrony bank ) on XX/XX/year> of the full amount of roughly {$950.00}. On XX/XX/year> these funds were removed form my bank and were posted and cleared to my account. Unfortunately synchrony bank is locking my full available credit of {$900.00} for 14 days now until XX/XX/year> even though they have been paid, received my money, taken my money, and have no recourse to even dispute of stop payment on this charge. They explained it was due to my unusual high payment amount..I paid the balance in full which is absolutely absurd. They have no option but now to wait 10 more days even thought they have taken my money and still are not unlocking my credit available on this account. This is simply not right and not remotely justified practice of taking someones payment then withholding possible credit even after being paid for that credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove them asap as these are suspicious to me : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First, I have since my drivers license and my Social Security card to each credit bureau. There is a name on my credit report by the name of XXXX XXXX that should be delete it I have no association with that name. I have verified who I am what account should be deleted but the police report that was submitted to each credit bureau. However, My credit report still shows that I have delinquent or miss payment accounts. I know that this is XXXX XXXX  activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those accounts. The only accounts I should have open or from my credit report still shows that I have delinquent or missed payment accounts. I know that this is torture night activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those fraudulent accounts. I wish to have removed from my credit report that I have serious delinquent accounts and missed payments. The only open accounts are my student loans, one credit card Thats it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase show wrong on my credit bureaus report XXXX XXXX   need be from remove from XXXX  XXXX  soon as possible
Product: Mortgage

I have requested mortgage assistance with my servicer Wells Fargo several times they have refused to assist me. I recently retried and I only receive Social Security and I don't want to lose my home. Wells Fargo has sent me in the mail from Wells Fargo executive office with the deed and note for XXXX XXXX XXXX XXXX equity line of credit whom reside in another state. Is Wells Fargo confusing my mortgage loan with another borrower whom has a Equity Line Of Credit? Are they trying to foreclose on my home with incorrect information in their files.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX XXXX  OneMain Financial received my letter of debt valadition via mail. I received in return an non-completed copy of a loan agreement. This agreement doesnt have any physical signatures of any party stating that this agreement is valid. 

Contract : an agreement with specific terms between two or more persons or entities in which there is a promise to do something in return for a valuable benefit known as consideration Each page will show either blank or N/A for the section of the loan agreement 15 U.S. Code 1692c - Communication in connection with debt collection Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there are some inaccurate/fraudulent items on my credit report in XXXX of XXXX. I disputed these items with the three major credit bureaus : XXXX, Transunion and XXXX. I have yet to receive a response. My consumer rights are being violated pursuant to the Fair Credit Reporting Act. I am requesting that these items be removed immediately. 



1. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 2. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 3. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX IXXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 4. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 5. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX XXXX XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 6. Validate Inaccurate/Reported Late Payments XXXX XXXXXXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 7. FDCPA Section 807 Violation Misleading False Reporting XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once 8. Please investigate the reporting of this account. I do not believe this account is reporting properly. 
XXXX Account Number : XXXX Please remove inaccurate reported late payments. Update to payed as agreed 9. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX This account is inaccurate and I'm seeking litigation please delete at once
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I attended XXXX of XXXX through XX/XX/XXXX- the closure in XX/XX/XXXX. I was half way through a 3-year program. Now, I signed a contract to pay my loans had a received an education from there, well as you know the school was shutdown. Since they didn't keep their end of the deal I am not responsible for repayment, in fact I believe I deserve a reimbursement. The Federal loan was " forgiven '', rightly so, but XXXX XXXX XXXX wont leave me alone, claiming I owe them {$4800.00} in private loans. I'm not asking for a reimbursement, although it's owed to me considered time lost, all I want is to improve my credit score and to get rid of this loan which I don't think I owe, and to stop the harassment. 

Thank you.
Product: Checking or savings account

My employer uses OptumBank to manage XXXX account funds. They charge a {$1.00} quarterly fee for any mailed statements. In early XXXX after receiving my first quarterly statement and noticing the fee, I changed my elections to online only. 

In XXXX I transferred the assets out to another custodian that I prefer, and they closed the account without my permission. I complained at that time about the closing and they reversed the closure on XX/XX/XXXX. 

In doing so they did not restore my preference for online statements and defaulted back to mailed statements which caused a second {$1.00} fee to be assessed on XX/XX/XXXX.
Product: Student loan

Navient is my student loan servicer. They have not provided an explanation of why my interest payments vary so wildly from month to month. They do not provide monthly statements that allow you to track payments, and where your funds are applied.They do not provide a telephone number to speak with a representative with a reasonable wait time ( & lt ; 10 minutes ). They do not provide useful answers to my questions via emails. They do not let you show a record of the emails you have sent them, they just disappear and you have no proof of what you contacted them about.
Product: Credit card

XX/XX/XXXX TOOK A {$6000.00} BALANCE TRANSFER OF 0 % BALANCE TRANSFER FOR ON YEAR WITH 5 % CHARGE OF {$300.00}. 
XX/XX/year> SEND A WIRE TRANSFER TO CITI BANK FROM ANOTHER BANK FOR {$15000.00} TO PAY OF THE {$6000.00} plus {$300.00}. 
HENCE GOT OVERPAID BY {$8700.00}. FINDING THE OVERPAYMENT I SUBMITTED ON LINE TRANSFER BACK TO MY CHECKING ACCOUNT AND APPROVED ON LINE.GOT AN EMAIL ALSO TRANSFER WILL COMPLETE WITHIN 7 DAYS. 
AFTER 7 DAYS, I CALLED CITI BANK CARD SEVICE TO ENQUIRE. THE REPLY ON LINE REQUEST WAS NOT DONE DUE TO AN ERROR. THEY NEVER INFORMED ME .I TOLD THEM TO REFUND THE MONEY VIA WIRE BUT SAID NOT POSSIBLE, WILL SEND A CHECK BY MAIL ON XX/XX/XXXX. AS OF TODAY THEY HAVE NOT ISSUED THE CHECK XX/XX/year>. IN BETWEEN MADE MANY CALLS AND REPLIED ITS UNDER REVIEW AND WILL TAKE FEW WEEKS. THEY CHARGE THE CUSTOMERS 25 % INTEREST IF NOT PAID ON TIME. PLEASE HELP ME ON THIS. 
FROM THEIR STATEMENT ATTACHED Your account has a credit balance. We will send you a refund of any remaining balance of {$1.00} or more after the credit balance has been on your account for 3 billing statements. You may also request a refund by contacting our customer service address or phone number listed above. If your credit balance is the result of conditional credits applied in connection with a dispute, please wait until after the dispute investigation is complete before requesting any remaining credit balance be returned to you. 
2024 Citibank , N.A . 
Citi, Citi and XXXX XXXX and other marks used herein are service marks of Citigroup Inc. or its affiliates, used and registered throughout the world. 
Important Information If you have questions about marketing communications, please visit www.citi.com/offersforyou or call the number on the bac
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following 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
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/scrub>XXXX in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXXXXXX XXXX  Account Number : XXXX Amount : {$0.00} Date of Account : XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus are reporting inquiries that I have no knowledge of. I wasn't extended any credit from the below listed companies. 
XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous letter, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputed both accounts that are inaccurate and they were both updated again i inaccurately I submitted proof as well both accounts were paid in full XX/XX/2023 as I have a bank statement supporting my claim and also called the companies by phone to let them know it was paid. 
This is a violation of FCRA laws REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 
And a violation of 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I disputed them last year and he constantly harassed my phone numbers and brought down my credit score of {$1700.00} debt that I do not owe them. This collection is old and it constantly harassing me through email and text and phone I previously talked to him two years ago and disputed it and it still keep coming back even though they took it off my credit report and but they still keep coming back. I need this to stop. it is Jefferson capital systems LLC. Thats causing the problem.
Product: Credit reporting or other personal consumer reports

Inaccurate account from some loan place called Kovo. I am victim of identity theft
Product: Debt collection

This is the second complaint submitted against this apparent law office ; they called on XX/XX/year> and were told to validate the supposed debt. No response or notifications have been received. On XX/XX/year> they called alleging call is recorded for quality purposes. I answered I had no problems with call being recorded, provided they consent I do the same, as is my right. XXXX XXXX who was the person at the other end of the line, responded that under FDCPA that was not allowed, which is not true. XXXX XXXX then proceeded to threaten legal action by saying : " ... legal action will then continue from the office of Rodriguez Fernandez '' before disconnecting the call.
Product: Debt collection

a company called citgroup credit services, a third party to citi is responding weirdly ... 

i have requested of them since 2009 a copy of their agreement between themselves citigroup credit services and their trustee XXXX and the owner of the debt as per their agreement that they would accept XXXX as noted in their letterthey have never provided such an agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Finance has violated my Consumer rights. Pursuant to 15 USC 1692c. ( c ) I notified Capital One in writing that I refuse to pay this alleged debt, and I am demanding that they cease all forms of communication with me through all mediums except by postal mail.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am Invoking my specified remedy as a consumer, and the original creditor I am demanding ALL of the following On the XXXX of every month the account must have a Zero Balance.

Keep this revolving account open indefinitely.

Increase my credit limit on this open-ended credit plan to {$50000.00} every month.

Remove all monthly balances owed and report Zero owed for every reporting month, since the beginning of this account to all credit reporting agencies. 

Pursuant to violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments Stop Illegal reporting of late payments to all consumer reporting agencies. 
Remove all late payments reported to all consumer reporting agencies. 

I would like all payments I MADE SINCE THE BEGINNING OF THE ACCOUNT ON XX/XX/, returned back to me via mailed check and any part of the amount of the credit balance remaining 15 USC 1666d ( C ). 

Failure to respond to my Cease and Desist and honor my demands within 30 days will result in me the consumer pursuing legal litigation.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am shocked to find unauthorized information included in my credit report. This blatant error is unacceptable and has caused unnecessary harm to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not work when attempted to login. They provided a phone number to call but never spoke to a real person and nobody was available to speak with to answer any of my questions was only a computer.