23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PennyMac purchased my mortgage and has repeatedly refused to allow me to opt out of PII sharing. I have notified them by phone and in writing of my intent, but they have refused to provide me an e-mail address that would allow this to be properly documented. PennyMac 's actions are a violation of this US statute : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX Balance : {$4700.00} XXXX  XXXX Balance : {$11000.00} XXXX  XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Im writing in hopes you can assist me with a major setback in my life. Back in XX/XX/2023 there was death in our family which created a ton of complications for me. The entire experience was traumatic and has set me back emotionally and mentally. I totally spaced it and has never had a late payment with this company. One of which was I mistakenly misplaced my XXXX XXXX statement & had forgotten about until I received my most recent statement. Once I realized I was behind I immediately sent in my payment but in XX/XX/2023 you reported me 30 days late. I make it a point to maintain a great credit history & you can review my history and see Ive never had an issue with making my payment ( s ) on time. This late payment is now impacting my ability to get a new loan & has adding additional strain & complications with my family life. I understand it was my responsibility but Im hoping with my good payment history & long-standing positive relationship with you, could find it in your heart to help me by removing the late payment as a courtesy of my hard times? I would love if you could in your good grace help me because I need to find a new house due to the death and the late payment is impacting my ability to get a loan. The removal of the late payment would allow me to move forward with many areas of my life & alleviate some of the struggle Im enduring. 
I would truly appreciate the favor & goodwill... 
XXXX XXXX - Account # : XXXX
Product: Checking or savings account

Cash App always Compromise my information and there's never no to help
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act.The list of account below violated my federally protected consumers to privacy and confidentiality 15 USC1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 that I have the right to privacy. 15 U.S.C.1681 section 604 A. states that also as aa consumer reporting agency can not furnish an account without mt written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states that : no consumers reporting agency may make any consumers report containing any of the following items of information any otehr advanced items of information, othre than records of conviction 's of crime of which antedates the report by more than 7 years. 15 U.S.C1681s- ( A ) ( 1 ) A person shall not furnish any information relating to consumers to any consumers reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, There is an Unauthorized Credit Inquiry by Your Company on my Credit Reports. While checking my personal credit report, which I acquired from XXXX XXXX, I noticed an inquiry made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 

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

I am appalled by the inability of the Credit Bureaus to properly investigate my Credit File and remove the disputed fraudulent accounts and information that are still reporting on my Credit File. Again, I was a victim of identity theft and I am submitting this CFPB Complaint as another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting agencies are required to remove any accounts and information not later than 4 business days after XXXX XXXX XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}. Also, the Credit Bureaus have claimed that the Disputed items are verified and are reporting Accurate information thus they continued reporting the disputed items. However, I never received anything as proof of verification let alone any documents bearing my signature. If the Credit Bureaus continued their erroneous reporting, please understand I will initiate legal countermeasures.
Product: Credit reporting or other personal consumer reports

rely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Texas XXXX XX/XX/XXXX Dear ( EXPERIAN ), I have reviewed my report recently. There were names and addresses on it that are incorrect spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the XXXX XXXX credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
Sincerely, XXXX XXXX
Product: Checking or savings account

This bank is pretty useless and has no idea how to do business in the US. 

First they suspended my XXXX service due to suspicious activity. I was sending MYSELF money between my two bank accounts using XXXX 

It was unsuspended only to be suspended for the past 3-4 months. Ive called about 20 times and spoken to different supervisors, everytime i called they tell me the same storyline. It will be reviewed in 3 to 5 business days, but it never does. My accounts are not eligible for XXXX or transfers. Oh and wait. My local branch has been out of temporary debit cards for 3 WEEKS. Offering no XXXX solution but to pay for a debit card by calling bmo service. This branch is useless, how can they still be waiting for temporary debit cards for that long? 

My account is in negative status right now, due to a payment coming unpexcted, i went to the branch to get a debit card and deposit the money later but no debit cards. Then i said fine ill call customer service to unsuspend my XXXX or external transfers BUT THEY CANT DO IT. THEY WANT TO KEEP MY MONEY HOSTAGE BY NOT GIVING ME AN OPTION TO USE MY MONEY The customer represeentative that i spoke to tonight told me sir your service has been suspended since XX/XX/XXXX, so its not 4 months. Does that sound reasonable? Having my own checking accounts suspended for 3 months due to transfering money toMYSELF
Product: Debt collection

I stayed in XXXX  XXXX  XXXX My lease was up and I moved out XX/XX/XXXX I have proof when I transfer my Lights to my new residence XXXX XXXX XXXX And I have My new lease when I moved in XX/XX/XXXX XXXX  XXXX  is saying I stayed in there XXXX And theyre charging me a whole month worth of rent
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediatly reinvestigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, please provide the name and business address of each individual with whom you verified the above so I may follow up. Please send me an updated copy of my credit report after the above investigation.
Product: Money transfer, virtual currency, or money service

I was talking with XXXX XXXX for many months, we were gon na get married, get a house together, the whole being together, she needed money to get home and with the promise to pay it back in two weeks I wired {$10000.00} to an account in name of XXXX XXXX, I learned I was romance scammed, because I'm now XXXX  and she won't gove me my back, it's been 6 months. I have reported to all agencies that I know to report and nobody has gotten back to me.
Product: Checking or savings account

XX/XX/2023 I initiated a transfer from my chase Amazon rewards account to my account with XXXX XXXX XXXX  in the amount of {$7200.00}. I received an email confirmation from chase that the funds should arrive to the destination bank XX/XX/XXXX. With the following order # : XXXX I never received the funds although the funds were taken out of my chase account. On XX/XX/XXXX I called XXXX XXXX XXXX they say the never received it. I called chase they say they sent it and confirmed the correct account number and routing number. At this point XX/XX/XXXX I don't have my money and each bank is sending me to the other bank. 

Please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

have disputed the late payments on XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX   XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX are reporting inconsistent information for the account listed as XXXX XXXX XXXX this account can not report XXXX different ways that means it has not been properly validated so the verification they claim they have done is invalid. The account can not have late payments when any consumer credit account is open ended and neither bureau has supplied me with documents that prove I was indeed late. If you do not have documents update the records. 

The inconsistencies are Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX Account Rating : Closed Paid Paid Creditor Type : Commercial Banks All Banks All Banks Creditor Remarks : Closed Closed or paid account/zero balance Secured Last Payment : XXXX XXXX XXXX Term Length : 120 Month ( s ) 120 Month ( s ) Payment Frequency : Monthly ( every month )
Product: Debt or credit management

Lexington law years ago, can't remeber when charged me upfront for their services. I don't know if they over charged me or what laws they've broken, now that I found out they've been scamming people this whole time I'll do more research
Product: Payday loan, title loan, or personal loan

Dear Sir, madame, I don't have a loan with Liberty Lending LLC. There was some kind of correspondance with them in emails pre pandemic back in XXXX. The took out {$340.00} fro my bank account in XXXX of XXXX. I have had that reverse. I have spoken to them 3 times. I stated that i don't have a loan with them from XXXX. I have zero disclosures, paper work period. They even have my first name wrong. i am afraid they are going to injure me more. I have no relationship with them except I have spoken to them with never a mention of any loan, in fact they have told me there is no loan. i told them to cease any and all efforts to injure me. They were supposed to call me back on XX/XX/XXXX after XXXX and never did. I am reaching out to you to help me with I feel a fraudulent claim on me. 
Sincerely, XXXX XXXX
Product: Credit card

We had a Macy 's Store/American Express Credit Card and I had a purchase that I had made in later XXXX, 2015. The billing came due on XXXX/XXXX/15 and I had forgot about the purchase. I was paperless for the credit card, but never received an email or notification until the account was over 30 days past due and they had sent the card to the credit bureau. I as so angry as I had not had a late charge on anything for over 15 years. I am sure it has messed up my credit score. The lady at the card company just brushed it off saying that its not their responsibility since I made the purchase. I asked about the emails and she said they were sent. However, I never received XXXX email. They were rude and were not willing to do a thing. I have paid off the billing and have since closed the card and will never again open a Macy 's Charge.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute letter dated XX/XX/XXXX. Please be advised, this is the second written request you have received. Under Section 609 of the Fair Credit Report Act ( FCRA ), I requested that you provide physical verification of the originally signed consumer contracts for any and all accounts that are currently being reported on my credit file.

Specifically, I requested the following : 1. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report.

2. Physical verification that any and all accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this.

Under FCRA Section 611, if proper verification can not be confirmed, inaccurate information must be removed. To date, I have not received sufficient evidence that the disputed accounts have been properly verified or that the credit bureau conducted a thorough investigation. 
Additionally, under the FCRA Section XXXX, reporting inaccurate or incomplete information is a violation of federal law. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer. I am a litigious consumer that fully intends on pursuing litigation if this matter is not resolved promptly. 
To reiterate, the disputed items are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act - 1. XXXX Acct # XXXX 2.XXXX  Acct # XXXX 3. XXXX XXXX Acct # XXXX 4. XXXX Acct # XXXX 5. XXXX Acct # XXXX 6. XXXX Acct # XXXX Section A of 15 U.S.C. 1681 states that I have the right to privacy.

Section 2 of 15 U.S.C. Section 604 A stipulates that a consumer reporting agency can not provide an account without my written instructions.

15 U.S.C. 166b A creditor may not, for any reason, consider payment on a credit card account under an open-end consumer credit plan as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

XXXX XXXX XXXX XXXX XXXX is incorrectly reporting a 30 days late payment on my credit reports ( to all three credit bureaus ) since XXXX XXXX This is a complete error on their side and they are failing to correct it. I attached my credit reports and you can see that I have a perfect record, never once missed a payment in my entire life and I have paid my accounts on time since I have a credit history in the United States ( 19 years ). You can also see the error which is the late payment report by XXXX XXXX XXXX XXXX XXXX. for XXXX XXXX 

According to the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX should remove incorrect and inaccurate information from my credit report. I have contacted XXXX XXXX XXXXXXXX XXXX XXXXXXXX, spent hours over the phone and their representatives are completely unhelpful and unwilling to fix their error even though they acknowledged that this is an error on their part. They acknowledge that I paid on time on XXXX XXXX the information reported is a complete error and yet they not doing anything about it. 

This error on my credit report is costing me, my wife and XXXX XXXX XXXX massively as we are getting a mortgage and our rate would be unjustly affected by this. The whole situation is unfair and devastating. 

The scary thing is that this would have gone unnoticed if we were not applying for a mortgage and nobody would have deleted this incorrect information from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified mail requesting Assignment of Debt, Validation of Debt and Method of verification for the following accounts with Experian, XXXX and XXXX and have not receive this information. It has been over 30 days. 

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

I have or had a Sychrony Home credit card. When the pandemic started I continued to make payments to them as usual. Suddenly in XX/XX/2020 they marked my account closed and written off. I have never missed a payment with them ever. I could hardly believe this. Since then I have contacted them and they said their computer makes those choices. They have continued to send me statements saying I have to pay which I have been doing. This morning I realized they are charging me a high rate of interest on my account that is closed. I FEEL THIS IS UNFAIR PRACTICE AND THAT SOMETHING NEEDS TO BE DONE ABOUT THIS COMPANY. I AM SURE I AM NOT THE ONLY PERSON IN THIS SITUATION. IT IS UNFAIR AND UNWARRANTED. I AM ALSO TRYING TO FIND AN ATTORNEY FOR A CLASS ACTION LAWSUIT. I cant believe they can or are still charging me interest for this account. I pay on it monthly but what they are doing is terribly wrong. I hope you can and will do something about this company. I have seen many other complaints on the internet.