23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To Whom It May Concern, I am writing to formally dispute the recent reporting of a late payment on my credit report by PennyMac. I took proactive steps to avoid negative credit reporting by contacting your office to set up a payment plan. On XX/XX/year>, I made a payment of {$500.00} towards my mortgage payment which is {$2600.00} a month. I was advised to continue making my monthly mortgage payments on time, along with an additional {$700.00} per month, to catch up on XXXX payment. I was informed that I had until the end of XXXX to complete this arrangement and that adhering to the plan would resolve the issue. 

Despite following this agreement, I received an update last week indicating a late payment on my credit report, which significantly impacted my credit score. When I contacted PennyMac for clarification, I was spoken to in a condescending manner and told that negative credit reporting could not be removed. I was not made aware during my initial conversation that setting up this payment plan would still result in a negative credit report. Had I known, I would have explored other options, such as taking out a small personal loan, to preserve my credit standing. 

I am a responsible individual who prioritizes paying bills on time. Unfortunately, I encountered an unexpected medical situation requiring XXXX, which temporarily impacted my ability to meet my obligations. I have consistently demonstrated financial responsibility, and I am currently working XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I respectfully request that PennyMac contact the credit bureaus to remove the negative remark from my credit report, given the circumstances and my proactive efforts to resolve the issue. Furthermore, XXXX payment is on track to be fully paid by the end of XXXX, well ahead of the XXXX deadline. I also made another payment of {$1700.00} on XX/XX/year>.
Product: Debt collection

LOOKED ON MY CREDIT REPORT AND SEEN A COLLECTION FROM XXXX XXXX {$26.00} ... DATE ASSIGNED XX/XX/16 ... .THIS DEBT IS NOT MINES..I DID NOT AUTHORIZE THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA section 62.3 this company is reporting inaccurate information and it is illegal. This account has caused damage to my credit report and to my life and i want this account to be removed as soon as possible.
Product: Prepaid card

My card was stolen and charges were made fraudulently without my consent. I dont understand how my funds were stole, because I have a security PIN number that I never shared with anybody. The card company has blocked me from checking the update of my dispute, and my funds has not been recovered.
Product: Credit card

I have never let payments on this account become overdue, always paying them on time. I'm unclear on why late payment remarks are showing up on my accounts. Billing errors should be corrected according to 15 USC 1666b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Experian XXXX, gave them numerous copies of my Drivers license and social security card, sent them copies of certified mail receipts and copies of all the letters sent to them, and instead of addressing the dispute and just removing the inaccurate information, they are now saying they do not believe I am who I say I am. As to their requirements I have provided ALL the required forms of identification, if they want my W2 with my current address, utility bills, vehicle registration, doctors note, note from my pastor, I can provide it all. This is just another stall tactic as they have been doing for the past few months because they do not want to do what they are required to do under the rules of FCRA, and believing I will give up and go away, I assure you I will not, as a matter of fact I am now filing complaints against them with the FTC and XXXX  today, and plan on researching any other agency that can help get this problem resolved since the CFPB seems to just pass along notes like little kids in elementary school instead of having a representative respond to the complaints being filed.
Product: Debt collection

I never received notification that I was being sent to debt collections. I am in agreement that I was sent a bill however I did make dispute with my insurance  carrier  so I thought they paid the debt. I was never contacted further by the collector that I still owed this debt. I by all means pay all my bills & am willing to pay this too however I was never informed via phone, email or mail that I still owed this debt.      AR Resources (  debt collector ) Reported  XX/XX/15    {$740.00}
Product: Bank account or service

I tried opening a checking account with HSBC on XXXX XXXX 2016. Followed all the instructions and initiated opening balance of {$1500.00} to be deposited into that against my application id. Payment also went thru. After that i just keep on getting emails from HSBC - somebody sitting in XXXX asking me to send the driver 's license, utility bills etc ... all done within the next 3 days. So around XXXX XXXX 2016 - all the formalities were done. I just have my application id and nothing else from them. HSBC expect the customers to know about their secure messaging system to communicate with them which is quite a task also. 
Now after the wait of more than 2 weeks ( when i did n't got any email or communication in terms of what happened to my account and the deposit ) -i called them up. They asked me to call to their call customer in some peculiar time zone ... i called ... they were totally clueless why my account is not created and what all is needed from their side. In spite of providing all the documents in time and doing all sort of follow up - i have no idea where i am in this account opening process? What happened to my deposit also? Moreover i opened this account with the promotion code ... i need to have direct deposits within 120 days ... if this is the pace HSBC work - then definitely i will miss my promotion also ... .most importantly why they are troubling the customer so much in terms of account opening process?
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX XXXX   XXXX, XXXX XXXX XXXX. Since Transunion couldn't help me, CFPB step up and fix the accounts asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed my PayPal account last XX/XX/XXXX. I called them to clarity about my account closed last XX/XX/XXXX and score report, but I was told that they closed my account last XX/XX/XXXX. I was hoping for a high score this month, but it did not. My score report needs to go up before I apply for a loan.
Product: Debt collection

In the month of XX/XX/year>, I reach out to Wise loan in regard to a debt that reflects on my credit report. I wanted to get a better understanding and validation of the debt and possibly pay in hopes to have debt removed from my credit report. I spoke with an agent who notified me that debt was sold to another agency. I then reach out to that agency that was provided to me by Wise and was notified that they do not have the debt, and it was in the hands of Wise. This left me with no choice but to dispute with all three credit bureaus to remove unvalidated debt and also because no one seem to know who has the debt. I received a letter on XX/XX/year>, from Wise indicating the same thing that was told to me over the phone in XXXX that another agency has the debt. I then repeated my steps and called the number that Wise provided to me on the letter mailed and I was again told that the agency does not have the debt Wise is indicating that they have. As a consumer who is in the process of trying to purchase a home this issue is affecting my credit and my process of moving forward with my life. I am praying that you can help me get to the bottom of this and also request that the credit bureaus force the creditor to report accuracy and a better line of communication.
Product: Mortgage

My mortgage company ( U.S. Bank ) is now charging {$5.00} for every online payment made. I emailed U.S. Bank and received no response. I discovered that I could waive the fee beginning XXXX XXXX if I enrolled in automatic draft from my checking account which I setup. The open item is my XXXX XXXX payment. I called them on XXXX XXXX ( ~XXXX ) and spoke with " XXXX '' who said they would not waive the fee. I then asked to talk with his supervisor and " XXXX '' a Senior Representative indicated the same. I feel that U.S. Bank does not have the right to charge a fee for online payments without automatic draft as this was not done prior to XXXX XXXX. As such, I feel that it is a case of bait and switch, which is illegal as this was not communicated when I originated my loan with them. They indicated the only way out of paying their fee was to mail in a check, but this will cost me a stamp ( not cheap ).
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX that an inquiry was made with Bank of America for a credit card application on XX/XX/2023. I did not apply for this credit. I was advised by XXXX to file this report. I was also advised to contact Bank of America. I contacted Bank of America on XX/XX/2023 to report the fraudulent inquiry and the representative I spoke with informed me that no account currently exists in my name.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX  


MY ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to list XXXX on my credit file which is false information ( see attached ). An unaffiliated XXXX family lived next door years ago in XXXX XXXX who I believe had this number. Due to fraudulent accounts that XXXX XXXX XXXX sent to collections, one the XXXX XXXX XXXX skip tracers i.e. XXXX XXXX most probably misreported this number to Equifax but the number is incorrect. 

XXXX has been my phone number for all of the 14 years I've been here ( XX/XX/XXXX XXXX and 12 years (XX/XX/XXXX ) when I lived around the corner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX trying to resolve this matter for years now. I was scammed with this vehicle as it was a lemon crashed and fixed sold as new. I had this car repossessed due to Finamcial Issues and was given an offer for {$300.00} but they refuse to after payment is complete remove the negative information. This is incorrect as I asked for a pay for deletion. This balance of XXXX is due to fees and all this other miscellaneous stuff they have added on which is unfair to me due to the circumstances of how this all ended.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

Between XX/XX/2020 I had received a bill of collection from XXXX  XXXX XXXX XXXX. I paid that account. Now XX/XX/2020 another company affiliate asset solutions , llc is trying to collect that same debt that I already paid. I receive phone calls and now an actual mail letter but with out a detach lower portion where it tells you to actually send a payment. I ended up going through their website. I giving out my information as it asked.
Product: Mortgage

I began working with XXXX XXXX XXXX in XXXX of XXXX after they aggressively pursued a loan modification with me. They were kind and professional and all of the paperwork seemed legitimate. I signed some disclosures so that the company could speak with my current mortgage company and even sent them financial documents such as W-2s and bank statements. This resulted in me not receiving any information from my mortgage company throughout this process which caused me to miss key information that would have alarmed me of the issue. I received a letter from XXXX XXXX stating my new mortgage payment which was a XXXX  XXXX dollars lower that my initial payment. I was told to make the payment directly to them and theyd be paying my mortgage company. I was given an initial date of about 90 days out of when the process would be complete. The date continued to be pushed back and the continued to ask for post dated check payments 3 months at a time. By XXXX of XXXX I had made 8 payments of {$1600.00} to this company totaling to over {$11000.00}. I reached out to them in XXXX via phone and email and I could not get ahold of anyone. This raises another red flag since they had been so persistent up until then. Eventually I got a phone call back and I was asked to send another payment. I told them that I would not and I requested a refund because they were not doing what they said they would. I have researched this company and Ive found several complaints without resolution with the XXXX. I intend to get a lawyer to try and get my money back. This has caused me to come close to losing my home. The only thing that saved me is that the company requested a forbearance while they acted like they were doing a modification. I believe they pretended they were me but I am not sure. I am in the process of a loan modification with my actual mortgage company Freedom Mortgage who has been nothing but helpful. I owe about {$21000.00} to my mortgage company because of all of this. This has affected my credit and my ability to get loans due to the negative equity. I have never missed a mortgage payment before this incident. I am disappointed that XXXX XXXX XXXX has been targeting people during a pandemic which was an already low time for many. I am hoping that you all can investigate them and prevent them from doing this to anyone else in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. Below are the listed items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I purchased 3 dresses from XXXX on XXXX for {$420.00}. I received the items in unusable, unwearable condition. They box and the items soaked in some toxic smelling oily substance. Aside from that, the dresses were made of cheap garbage, unfit for wear. I spoke with XXXX, and they tried to give me a partial refund of {$90.00}. I refused as that was not reasonable. Goldman Sachs sided on the company 's favor stating that because I refused the partial refund and did not ship the items back I was at fault. I refused to ship the items back to XXXX because XXXX was making me pay return postage for damaged goods all the way to XXXX. XXXX refused to guarantee me a refund at that point stating that " Upon receipt of the package, the item ( s ) will be inspected for signs of wear or damage prior to any refund ''. I was not comfortable with this arrangement because I already showed them that the items arrived damaged. It was a trap, a trap that I was asked to pay return postage for. I refused to agree - as anyone would. I would've been left with no proof and down even more money because XXXX showed me an outrageous quote to ship to XXXX. Goldman Sachs has refused my disputes 2 times and I have a third pending claim open right now.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following unauthorized, unknown inquiries appeared on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have been banking with Wells Fargo for the past 30 years and I just resentelly closed my account due to charges and I do have a mortgage with them
Product: Checking or savings account

I already have a Chase Bank checking account. Within the last couple of weeks I have been trying to open a Chase Private Client account. On the Chase web page address as follows : account.chase.com/consumer/banking/chaseprivateclient there is an offer posted soliciting a {$2000.00} bonus if a client upgrades his account to the Chase Private Cllient program by XX/XX/21. I am able to meet all the required prerequisites to qualify for the account. The web page asks me to submit my email address so that Chase can generate a code number so that when I go to my Chase branch they will use the code to open the account and make sure that I receive the bonus. However, I have tried innumerable times to accomplish this and never have I received an email with a code number. I have spent hours on the phone and in person with Chase representatives and no one has been able to resolve the issue nor will anyone at that institution do what is necessary to allow me to deposit the finds required and receive the offered bonus. ( I note that the web page appears to be a bona fide Chase web page as there is a prompt which will directly connect me to my personal checking account at Chase. ) A woman by the name of XXXX from the Chase executive offices did call me but she has never called me back as promised nor has she returned my messages to her. I am baffled that what appears to be a legitimate offer on a Chase web page is not honored by this institution.