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

Dispute of Inaccurate Credit Reporting FCRA Violation Dear Credit Reporting Agent I am writing to formally dispute the reporting of an account that you hold on my credit file, which I believe violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( XXXX ) and the Uniform Commercial Code ( UCC ). The account in question is associated with opened on XX/XX/year>, for the amount of {$1100.00}. Upon reviewing my credit report, I noticed that the account does not accurately reflect the payment status. Specifically, it fails to indicate that the account was " paid less, '' which misrepresents my payment history and adversely affects my credit score. According to the FCRA, all information reported to credit reporting agencies must be accurate and complete. The failure to report the correct payment status violates federal law. 
Additionally, the UCC mandates that all parties involved in a credit transaction must report accurate information regarding the status of accounts. Given these violations, I hereby demand that you rectify this reporting error immediately by updating the account information to reflect the accurate payment status of " paid less. '' Furthermore, I request that you remove this account from my credit files with all credit reporting agencies if you can not provide accurate reporting. Please provide me with written confirmation that you have received this dispute and the actions taken to resolve it
Product: Mortgage

Pennymac bought my loan in XX/XX/2021 and immediately lost my first check. 
I XXXX  the second check which they received on XX/XX/2021. 
I made a one time electronic payment to make sure the XX/XX/2021 payment was made.

Pennymac STILL has not cashed the check they received on XX/XX/XXXX. They said it could take up to five business days to cash the check. 

Pennymac claim to have begun processing of the check on XX/XX/XXXX, and read to me my check number and an internal tracking number. My bank routinely processes my checks and has received nothing even though Pennymac claims to have begun some processing procedure internally in their company.

They have received payment and it is Pennymac 's responsibility to cash the check. I and my bank have done nothing wrong. Pennymac must cash the check and keep my account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX  # 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: Debt collection

Hello! This XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX!!! I requested from XXXX and Portfolio Recovery Associates, XXXX a copy of the Original Purchase Agreement and or Verification of the Alleged debt listed, see 15 USC1692 c, g Validation of debts!! XXXX XXXX XXXX around XXXX sold the debt Portfolio Recovery Associates of {$600.00}, now its {$670.00}! A signed agreement with original creditor and signed by all the parties involved!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 letters by certified mail, return receipt to Experian. The first letter was dated XX/XX/XXXX return receipt # XXXX, requesting for the method of verification they used to determine the items being reported on my credit report were mine. Experian received and accepted my letter through registered mail datedXX/XX/XXXX To date I have not received a response. A second letter sent dated XX/XX/XXXXreturn receipt # XXXX, stating notice of intent to file a complaint with the FTC and CFPB was received and accepted by Experian dated XX/XX/XXXX To date I have not received a response.
Product: Mortgage

I want to dispute the projected amount of city tax in the escrow analysis dated XX/XX/XXXX. It projected to be {$6100.00} XXXX this year ( see page 2 of escrow analysis ). 
Last year, the city tax was {$760.00} ; in XXXX, the city tax was {$760.00}. There is no reason the city tax will be {$6100.00} this year, the projection is 8 times the previous amount! I don't believe this is a sane projection. 
The customer service refused to change this absurd projection, and insisted that I need to provide official document to prove the future city tax, which is impossible. 

See XXXX for city tax history. 
See XXXX for escrow analysis statement.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have become a victim of a data breach, which has led to fraudulent activity on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you block and delete the following accounts and inquiries related to this breach. 
Fraudulent Accounts : XXXX XXXX XXXX Date : XXXX Amount : {$00.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$410.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$660.00} XXXX XXXX XXXX  XXXX Date : XXXX Amount : {$800.00} Fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Received XXXX  care from XXXX XXXX XXXX in XXXX XXXX XXXX, WI in 2017. 

Was subject to unneeded unwanted tests that the XXXX said would be covered by XXXX Part B. 

The tests were simply ways to fraudulent charge XXXX. 

Disputed the exorbitant charges to no avail. Was referred to United Credit Services in XXXX, WI who now harass me. Requested United Credit Services remove the collection from my credit reports. No response from them. This is a very frightening organization to a senior citizen.
Product: Checking or savings account

I opened a checking account with PNC Bank online on XX/XX/year>, and the next day, on XX/XX/XXXX, I visited the XXXX, CA branch to deposit {$4500.00}. Everything seemed fine until the morning of XX/XX/XXXX, when I woke up to an email stating that my account was in XXXX XXXX XXXX with a {$0.00} available balance. When I attempted to log in, I was met with a message saying that my online banking access had been suspended, instructing me to call for assistance. I immediately reached out to PNC, but the experience was beyond frustrating. During my four calls, I was hung up on twice, and when I finally got through, no one could tell me why my account was suspended. I was informed that the department responsible for placing the hold hadnt even assigned a case worker yet and that it could take up to 60 days for a review. When I expressed that this was unacceptable because my rent and other bills were due the next day, I was met with indifference. During two of my calls, they attempted to transfer me to the fraud detection department, but both times, the line was disconnected. After spending over two hours speaking with seven different agents, I was left with no answers and no access to my own money. I deposited my hard-earned funds just one day prior, and now they are completely inaccessible with no clear explanation or timeline for resolution.
Product: Debt collection

Hi There : We previously lived in an Apartment complex called XXXX XXXX who required us to obtain our television through a company called XXXX XXXX XXXX. They incorrectly billed us for a modem that we NEVER PURCHASED from them. 

After we moved out of that complex, they sent us a bill for the modem. We called more than 5 times, spoke with numerous people, managers, etc whom all acknowledged the error and confirmed they would remove the charge. They reassured us that this bill will be removed. 

After 6 months, we received a collections notice from a company called Awa Collections, indicated that XXXX XXXX XXXX is sending us to collections for a bill of {$51.00}. 

This will negatively affect our stellar credit, it is completely wrong, and needs to be corrected. 

The CFPB should contact XXXX XXXX XXXX  and require them to correct their unscrupulous bill collection methods. 

Thank you. 

XXXX XXXX XXXX
Product: Mortgage

I'm a first time home buyer who just closed on her first home Friday, XX/XX/2018. Iberia Bank was the bank that handled my loan. 

On Monday, XX/XX/2018 I received a call from XXXX XXXX NMLS # XXXX, who handled my loan. He stated an error was made at the time of closing. I received my earnest money back ( {$500.00} ). He stated I wasn't suppose to received the money back and I had to pay the {$500.00} back immediately. When I questioned why, he mentioned something about the {$500.00} affecting a grant that was applied to my loan. After I explained to him that I didn't have {$500.00} immediately, he mentioned I had to XX/XX/XXXX to pay the {$500.00} ; along w/my first mortgage payment of {$790.00}.

I'm filing this complaint because I don't agree with what the loan officer is trying to do. I asked him to forward me the email from the individual stating I owe the {$500.00} back. I will forward a copy of the email as well as a copy of my Closing Disclosure for your review.
Product: Debt collection

I received a phone call from this LVNV Funding LLC company saying that I owed them {$590.00}. And then they erroneously reported the debt to all credit reporting agencies negatively impacting my credit scores. Circumventing all my previous efforts to raise my credit scores. Destroying my score gains dropping my rising scores to the 400 's  from the mid 600 's.
Product: Student loan

I used Citibanks online payment system to make a payment for {$20.00} and they drafted {$1500.00} from my bank account without my authorization which i am currently filing fraud charges through my bank against citibank to reverse this fraudulent payment and get my money back. In addition he company will not allow me to take any forebearance which i have requested 4 times due to medical billing. Also the company will not allow me to adjust my payments in any way which will ultimately lead me to have to default on this loan. Also my bank revoked the authorization for the payment for {$1500.00} that citi bank attempted to steal from me that was not authorized. I also did not appreciate XXXX at the presidents office for student loans for Citibank tellime that that them steling my money was my fault and they did no plan on returning my stolen money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have recently obtained a copy of my credit bureau-Experian, TransUnion, XXXX ) credit report. It showed a credit inquiry by the companies listed below that I do not recall authorizing. It is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry 's removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit. 

I have sent this letter through certified mail in as much as I need your prompt response to this issue. Please be so kind as to forward me documentation that you have already had the unauthorized inquiry removed. 
However, should you find that I am remiss and that you did not have my authorization to inquire into my credit report then please send me proof of this fact. 
Thank you very much. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS THE ACCOUNTS LISTED DO NOT BELONG TO ME MY INFORMATION WAS STOLEN I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to delete 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 previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward that the inquiries will be deleted as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following issues are incorrect : : - incorrect past due amount and balance - last reported date of activity - incorrect credit usage percentage This account has been charged off since XXXX and Experian in conjunction with XXXX will not do they're due diligence, properly investigate or update my credit file properly. Experian is still reporting negative items pertaining to this account on my personal credit report. Also, the account was charged off therefore according to the FCRA it is illegal to continue to report the following items : - Credit Usage - Balance - Past Due Amount - 24 Month Payment History
Product: Mortgage

I am getting collection notices from a company call LoanCare that I am behind in my mortgage payments. I get a call each day, but the last digit on the phone number does not register on my phone.But I have an auto save on numbers calling in as proof. 
LOANCARE XXXX, VA XXXX I do not have any contractual relations with this company. Only collection notices, see attached samples. I pay my mortgage each month to another company on time.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$430.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Student loan

Me and my wife cosigned for student loans for our nephew for over $ XXXX. The student made no effort to pay and we're getting stuck with the full amount. The lender, Sallie Mae, made very little effort to go after the student and came right after the cosigner. They setup robo calls to our jobs and we both got in trouble. We've been paying now for several years and Sallie Mae is satisfied and still making no effort to make the main borrower, the student, responsible. At this point it's like the student is off the hook for all the loans and we are are struggling as we approach retirement age. Sallie Mae acknowledges on my calls that they are not going after the student for payments.
Product: Credit reporting or other personal consumer reports

Yes account not in negative but has been used fraudulent
Product: Credit reporting or other personal consumer reports

" I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard.

Please ensure your reporting is truthful and fair, or remove it permanently. Furthermore, as you investigate the legitimacy of injurious accusations against me, note the suspected reporting shortcomings below so that you can align with federally mandated fair reporting practices in your final decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. 15 US-CODE 1692E FA
LSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX, LA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022
Product: Credit reporting or other personal consumer reports

I contacted this company on XX/XX/XXXX & XX/XX/XXXX & asked them to remove the false inquiries from my report, to no dismay they havent. They even Rung me over to Lowes company that they issue credit for & a Rep there told me they see no application on file for me & havent Since I had a card threw them in XXXX. Synchrony is the one Posting on my Reports they allowed them on XXXX XXXX XXXX on XX/XX/XXXX. Please instruct them to Remove these Fake Fraudulent Inquiries from my Credit Report. Thank you
Product: Debt collection

Received collect satement letter from ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX ph # XXXX ) for the amount of {$480.00} XXXX  reference XXXX XXXX from creditor PayPal , Inc . I contacted XXXX on XX/XX/21 @ XXXX AM ( w/ XXXX ) asking about this matter where I don't have ant PayPal account and e-mail releted with account wasn't belong to me. She state will take care of issue but sine I read a lot of rviews agains this company I decided enter a claim at Consumer Protection Bureau.
Product: Money transfer, virtual currency, or money service

Cash app has been taking & holding monies. I have asked multiple times to see a signed agreement stating they can hold my money for 30 days or longer for no reason, I have yet to receive the signed agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed with this company for inaccurate reporting of a University of XXXX account. I've sent the collector furnishing the account a validation letter on XX/XX/18. The company never responded to my request AT ALL. I brought this to the attention of the CRA, who responded with a generic stall letter requesting additional relevant information. I sent that information and they sent me essentially the same response. I am attaching correspondence as evidence of failure to investigate and ultimately delete the information.
Product: Student loan

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.