23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Per response from the company, my forbearance was canceled " XX/XX/year> '' however I was reported delinquent for XXXX. If I had no payment due on XX/XX/XXXX, it's impossible that I was suddenly 30 days past due as reported. Also, Pennymac never informed me of the change in loan terms. I only found out after calling the moment I got a new job to make payments on my loan. 

I'm not the first person to experience this issue as is evident in online reviews about Pennymac.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, I have doubts about the accuracy and the reported payment history on this account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX  Account number XXXX
Product: Mortgage

I have made multiple attempts to resolve my statement issue with Bay Equity directly, and have also requested to speak with a supervisor regarding my concern and have not received any call back I continue to get excuse after excuse.I closed my loan back in XXXX and have not received any statements regarding my mortgage. I have received numerous life insurance offers from Bay Equity in the mail, but not my statements. When I called on XX/XX/XXXX to make a payment and question why I have not received any statements the explanation I was given was that Bay Equity had the address for the apartment that was on the loan application, which I then explained was incorrect the mailing address is the property address of the home I purchased, according to the agent this was then corrected, however I continue to not receive statements in the mail. I continue to question this on the following dates XXXX and the latest call was on XX/XX/XXXX. I am very concerned because I know my escrow will be ran soon and I will not receive any statement with the option to pay my shortage, resulting in a higher mortgage payment. Please help me resolve this issue that I have tried to resolve multiple time with Bay Equity.
Product: Credit reporting or other personal consumer reports

In reviewing my consumer report, I discovered that it contains information that does not belong to me. Specifically, there are accounts and personal information that I have never authorized or opened, indicating possible identity theft or an error. I immediately contacted the Credit Reporting Agencies ( CRA ) to address this issue and requested all relevant information and documentation regarding these accounts. Despite my efforts, the CRA has failed to provide the requested information, leaving these incorrect entries unresolved on my report. This has negatively impacted my credit score and caused significant distress. I am reaching out to you because of violations under 15 U.S. Code 1681n and 15 U.S. Code 1681o.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX there is some inaccurate information reporting. 
XXXX Case Number : XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete for Violation
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items /information below : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : {$16000.00} XX/XX/XXXXXXXX Balance : {$0.00XX/XX/XXXX Balance : {$500.00}XX/XX/XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXXXXXX Balance : {$1200.00} XX/XX/XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00} XX/XX/XXXX SELFREPORTED XXXX Balance : {$20.00} XX/XX/XXXXSELFREPORTED XXXX Balance : {$150.00} XXXX XXXX XXXX XX/XX/2023XX/XX/XXXXXXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12000.00} XXXXXX/XX/XXXXXXXX Balance : {$1200.00} XX/XX/XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$120.00}
Product: Debt collection

Apex Servicing sent a wage assignment to my employer for a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint due to an inaccuracy on my credit report. The creditor, PORTFOLIO RECOVERY ASSOCIATES , LLC, is reporting the account open date as XX/XX/XXXX, which is incorrect. This date represents when the debt was acquired by PORTFOLIO RECOVERY ASSOCIATES , LLC from the original creditor, XXXX XXXX XXXX  ( XXXX ), XXXX, and not the actual age of the debt. 

The original account open date should be XX/XX/XXXX, as provided by the original creditor. The last payment made towards this account was on XX/XX/XXXX, for the amount of {$170.00}. The correct reporting of the account open date is crucial for an accurate representation of my credit history. 

I have already submitted disputes with the credit reporting company to address this issue. However, the account open date continues to be reported incorrectly, even though the documents they provide show an older date. This inaccurate reporting is negatively impacting my credit score and causing undue financial harm.
Product: Mortgage

Ocwen Loan Servicing violated the XXXX XXXX XXXX laws of privacy, contacted my insurance company without my permission, paid off my homeowners insurance which was already paid n full and WAS NOT a requirement of my escrow ( real estate taxes only ) this created a double payment of my insurance, and created a deficit in my escrow. When my insurance company sent me a rebate, I contacted Ocwen, they told me to sign my insurance rebate back to them, they then illegally took this check and applied it to my principle, once again without my permission. They have so XXXX up this account in the 90 days that I have had my account with them, that I no longer have confidence in Ocwen 's competence in handling my money. I have also done research and found that this is a common illegal practice that Ocwen is doing to customers in an attempt to undernmine the consumer. This is a direct violation of the UDAAP laws designed to protect consumers. I demand that Ocwen stop acting illegally and without my consent to conduct my business. I have contacted an attorney and am ready to file a lawsuit for these outrageous and nefarious mishandling of my finances. I demand the account be returned to the original payment of {$1600.00} ( principle, interest & RE taxes ONLY ) I also demand that they pay a fine as outlined under LB and UDAAP directly to my principle, and pay me for 4 hours of my time ( $ XXXX ) IF THIS CAN NOT BE REMEDIED IMMEDIATELY I WILL SUE. I DO NOT HAVE THE TIME TO DEAL WITH THE UTTER INCOMPETENCE OF OCWEN.
Product: Credit card

My wallet was stolen in XX/XX/2015 on the subway in XXXX around XXXX. I realized I did not have possession of my wallet around XXXX that day, and I immediately went to the closest Bank of America banking center to report the fraud totaling {$370.00} and cancel my card. 
There were XXXX fraudulent transaction, all within 2 hours -- XXXX BoA chose to recognize as fraud, and the XXXX larger charges were denied. They stated that my PIN was entered at the time of purchase. Knowing this was false, as it was not me, i contacted the merchant and obtained copies of the receipts. Both receipts show the transaction was signed for -- XXXX different signatures minutes apart, neither being my own. 
After the initial claim was denied, I filed another with paperwork, including : receipts, ID replacement receipt, XXXX replacement receipt and a written explanation of events. A bank associate faxed these documents in. I received no notification/communication for over a month. 
I went back to the banking center, met with another associate who checked on the claim, as he found no record of it. After being there over an 2 hours, he assured I would be contacted within 48 hours with an update -- nothing. 
I called and visited the banking center several more times, with the employees never being able to find the claim information. 
I spent another 1.5 hours at the banking center today, where they placed me on hold with the call-center, while the associates stared at me smiling, and decided what to order for lunch. After XXXX transfers, the fraud specialist did find the paperwork that had I had previously filed, but stated that the notes stated it was not referenced during the 2nd investigation. Again, the claim was denied due to an " electronic authorization '', PIN entry at purchase, even though there was clear evidence the transactions were signed for fraudulently. 
She then advised she was unable to escalate the claim further, as too much time had past, and suggested I reach out to the merchant to reimburse me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$320.00} ; 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 Date Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on multiple accounts listed below us bankruptcy # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX due to ( the credit laws and these are not my accounts ) Experian denied following up with the investigation. i recently was notified that CFPB has filed a lawsuit against the company ( Experian ). they alleged the company of accepting unreliable information, failure to notify consumer dispute results. this aligns well with my situation! Experian has not attempted to remove, nor correct any information/ I'm requesting this derogatory remark and negative accounts be removed or corrected immediately as it's affecting my chance of getting ( house, car, etc. ) Experian violates my rights as a consumer, as well as federal laws.
Product: Bank account or service

This is concerning Wells Fargo. They did not open an account without my knowledge ( that I know of ) But they pressured me to open an XXXX checking and saving account. If I did not I was told my XXXX checking/saving account would have fees. With the XXXX extra accounts, I was to transfer money to the XXXX accounts once a month. then no fees. At the Wells Fargo office I was told they set it up to automatically transfer for me. They did not. My fault, that I did not notice for several months. I incurred fees on all XXXX accounts.
Product: Credit reporting or other personal consumer reports

I am writing to dispute XX/XX/2024 there was a hard inquiry added to my XXXX and XXXX credit report by XXXXXXXX XXXX, credit reports this fraudulent hard inquiry is not currently on the XXXX report. I notified them that my personal information is being improperly used and I did not inquire nor am I currently seeking credit with their bank or any other creditor. I sense have notified the three credit bureaus of old addresses requested to please mark invalid and other inappropriate reporting on my credit. Creditors are correcting their mistakes and causing financial difficulty due to my credit score being severely decreased due to creditor correcting their mistakes and reporting closed the accounts as current. Then properly removing clothes the accounts that are trade line history showing I have paid accounts or good payment history.
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  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: Money transfer, virtual currency, or money service

Dear sir or madam, This is regarding my PayPal account created in my name : Registered email address : XXXX My account was permanently limited, stating that my account is in violation of PayPal 's  own Terms of Service. I tried to explain it to them, but they will not listen and will hold my money for 180 day. 

At this time I have over {$600.00} in the accounts and I want my money NOW, not in 180 days. This is my money and I should get it immediately. To me {$600.00} is a lot of money and quite a hardship that they are keeping it. 

I already filed a complaint with the XXXX  and Paypal took an month to respond to me. And their response was not satisfactory. All I received is a vague explanation about why they suspended my account, but they didn't address the main issue. I want my money NOW not in 6 months - This is my money and I should get it immediately. 

Please help me. 

Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against [ Credit Bureau EXPERIAN. regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On [ Date of Credit Report XX/XX/year> ], I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account number : XXXX Disputed Information : [ Describe inaccuracies, e.g., incorrect balance, wrong account status ] Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. 

Despite my request, [ Credit Bureau EXPERIAN. Has failed to conduct a thorough investigation or resolve these discrepancies within the required time frame of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandat

ed 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishes of information are requ
ired to investigate and correct inaccurate information upon notice of a dispute. 

Additional Information : Attached documents : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

l am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. 
I want the CFPB to publish this
Product: Checking or savings account

I deposited {$800.00} to my Citibank savings XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on the date of XX/XX/XXXXXXXX XXXX  XXXX. The ATM ID is XXXX. Due to technical problems, the ATM took the cash, however, did not deposit the amount to my account. I immediately informed Citibank receptionist of my problem and they Called customer service. After an investigation, they provided me with a letter and investigation number : XXXX. They issued me provisional credit for the amount listed above. However, they responded saying they found no ATM discrepancy through a letter received on XX/XX/XXXX. They removed the provisional amount initially funded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vehicle disappeared without notice from creditor. I do not have any information on this vehicle on who took the vehicle or what happened to the vehicle after it was taken. I did not receive any documentation. Therefore, I would like to have the vehicle removed from my credit permanently. It is hindering my progress in moving forward. It is causing XXXX, XXXX XXXX and XXXX because I have been trying to get this resolved for years. With no resolution or answers.
Product: Credit reporting or other personal consumer reports

I opened a credit builder account with SELF credit builder around XX/XX/2024. I paid my loan off early and they reported it to my credit report as paid off.. when it was time to release the funds back to me I was given the run around nonstop and a bunch of generic emails about investigations and That I would be notified by email when a payout will be determined.. It has now been XXXX months since all this took place, Ive already filled a police report against the company, and contacted the XXXX, Ive also filed a lawsuit in court a few days ago and I will be going to the headquarters on Tuesday XX/XX/XXXX to get this resolved. Ive been nice about this but if I have to file a complaint everyday and go to their office everyday and take them to court then I promise that's what I will do!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. CITI is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to CITI but they failed to give me any results. Please investigate properly and remove it from my personal credit file. Thank you. 

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

Its for my Equifax Credit Report theres XXXX on there I dont recognize 1.XXXX XXXX Inquiry Date XX/XX/XXXX 2.XXXX XXXX  Inquiry Date XX/XX/XXXX 3 . XXXX XXXX Inquiry Date XX/XX/XXXX I have called Equifax and they said they couldn't remove the inquiry unless I have filed a report with you CFPB I also have tried to call both companies and could not get ahold of either to help me with this matter. If you could please help me out that would be GREAT now if I did Inquire about those companies please have them email a copy of the Inquiry and where I signed off on it thank you XXXX XXXX