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

I am filing a complaint regarding an inaccurate negative reporting on my credit report by PennyMac. From XX/XX/XXXX to XX/XX/XXXX, my loan account was in an approved forbearance plan, during which no payments were due. Despite this, PennyMac has incorrectly reported my account as 90 days late during this period. 

After my forbearance plan ended, I was placed on a repayment plan, which I have been diligently following per the agreed-upon terms. However, this inaccurate negative reporting is impacting my credit standing, and I am seeking assistance in having it removed. PennyMac said there would be no negative impact to my credit. 

I kindly request an investigation into this matter and for PennyMac to correct this error with the credit bureaus. I appreciate your time and help in resolving this issue. 

XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I have contacted the credit reporting agencies XXXX, XXXX, and Equifax on several occasions in attempts to correct the errors on my reports. However, there have been little effort in working with me to make the necessary corrections. I am a victim of identity theft and I have sent out the police reports to all of the credit reporting agencies through certified mail and no corrections have been made at all.
Product: Debt collection

I had a credit card < XXXX XXXX card, last XXXX digits of the account XXXX it had a balance of XXXX, I paid off this balance over the phone, and closed the account ... after about 2 months, I get a letter from XXXX XXXX stating that I owe them XXXX, which is fraud, as I had already paid off the balance of XXXX. 
I filed a complaint with the XXXX  and they stated that the account was sold to them in XXXX, they even sent a statement showing what the balance was of XXXX, which I paid, but yet they claim I did not sent any payment to them ( debt collector agency ) and I owe them XXXX. This is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

All accounts are fraud. 

-XXXX XXXX XXXX  XXXX XXXX XXXX {$1200.00} -CXXXX XXXX XXXX  XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX {$650.00}
Product: Credit reporting, credit repair services, 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 Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX  Account XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account numberXXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights XXXX 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: Mortgage

I called them on the phone after receiving XXXX text to authenticate my account and it was dead naming me on my account by my old legal name in the XXXX text message. 

Phone number XXXX ( XXXX ) XXXX quoted text below of actual text message. 
" Mr. Cooper Loans : Hello XXXX, Please use the passcode below to verify your account : XXXX '' My name is XXXX XXXX XXXX on the account. Why is this company constantly dead naming me on purpose, referring to me as he/him pronouns and discriminating against me in any manner. Because there call center is in XXXX, Yet I am in XXXX operating in there discrimination laws. It's illegal to discriminate against a person by dead naming them, using the wrong pronouns. There customer service reps always argue with me on the phone. I have to constantly defend my person because of the discrimination and there in ability to do a proper introduction on the phone like take my full name, address and account number to authenticate who I am which is a security risk all in its own. No wonder why my information was stolen by hackers from this company and I can't pick a different servicer who doesn't discriminate against me or services my loan poorly. 
I want the discrimination of referring to my old legal name and old pronouns fixed immediately. I want the malicious use of this to stop. 

They also don't even have my XXXX XXXX posted in the account because they are using my old information and unable to display my XXXX XXXX correctly.
Product: Debt collection

Preferred Credit Inc. reported false debt on my credit report. They have sent letters, emails, and called excessively. I contacted them and explained it was not my debt. They sent a copy of a contract that did not contain my signature. I informed them of the discrepancy with no corrective action taken on their behalf. When I disputed the false debt on my credit report, they provided the same false documentation to the credit agency. This resulted in the derogatory not being removed from my report. I have never and will never do business with this company.
Product: Credit card or prepaid card

While doing a credit report, I discovered I had a balance of XXXX dollars from a Capital One Walmart credit card. The account was reportedly opened on XX/XX/2022. I never applied for or received this card, therefore I never used it. I have started a fraud investigation with Capital One, and they recommended that I start a claim here as well. I have never received a phone call, an, email, or physical piece of mail from Capital One saying that I have an account with them or that I owed them money. It was only through running a credit report that I became aware of this.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$910.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$17.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity fraud and Citi Bank ( CBNA ) was one of the companies the person ( s ) attempted to open an account through. I followed all the correct steps with identity theft.gov and sent them all the necessary paperwork to dispute the claim and have the inquiry removed and information sent to me. I received a letter back stating without an account number they are not willing to do anything further with the mater. I have called and can not get an account number or any help in resolving this matter over the phone. I have worked for years getting my credit to where it is and to have someone ( s ) try and destroy something I have worked so hard for so long for is awful, then to have these giant corporations act like it is no big deal and thy have no responsibility to help when all the proper documents were sent to them is beyond frustrating. I just want them to work with me and not against me in getting these inquires removed from my credit report.
Product: Debt collection

XX/XX/22 I sent disputed letters to remove collection since according to hippo laws they were not authorized to report my information
Product: Credit reporting or other personal consumer reports

Just got off the phone with XXXX XXXX  and XXXX XXXX, I was never notified that XXXX XXXX has bought my debt from XXXX XXXX  and now my charged off account is in collections, I have the right to privacy and the right to accurate and proper credit reporting on my consumer report I have sent a letter to the company rescinding all agreements I have ever made allowing them to share any of my personal information with anyone and especially never gave them the ok to share my personal information such as name, address, social security with EXPERIAN, XXXX, XXXX, nor anyone else, by law they need to notify me in writing stating they will be sharing my private, personal information with anyone! They have never notified me of the above in writing, also the amount owed to XXXX XXXX  is incorrect and inaccurate information and I have the right to proper reporting! In which it is inaccurate reporting and needs to be deleted and removed immediately! It goes against the fair credit reporting act, XXXX XXXX  is showing that I have a charge off with them, although I no longer have a charge off with XXXX XXXX  they have had sold my debt to XXXX XXXX collection in which I was never ever notified in writing of such change and that they are in possession of my account, non the less the information on my credit report is 100 % inaccurate and false! The account is now in collections with XXXX XXXX it is illegal to report a charge off when it is has become a collection account! Please have XXXX XXXX  immediately delete this off my credit report! Have the entire account deleted due to false and inaccurate reporting!!!! the total that I had owed is {$880.00}! I have the right to an accurate proper credit report! It is inaccurate and incorrect in which it goes against the FCRA, bank book keeping must be 100 % accurate at all times down to the penny! Have this account deleted immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX, XXXX IS SHOWING A ACCOUNT ON MY CREDIT FILE REPORTED FROM XXXX XXXX FOR XXXX XXXX IN XXXX XXXX XXXX XXXX  FOR {$5200.00} WHICH IS OR WAS A EVICTION THERE IS NO WAY A PROPERTY MANAGEMENT COMPANY IS OWED THIS AMOUNT AND IT IS NOT A EVICTION. I CALLED DOWN TO THE XXXX XXXX JUSTICE COURT THAT HANDLES THE EVICTIONS AND GAVE MY NAME AND SOCIAL SECURITY NUMBER AND WAS TOLD THERE IS NOTHING IN XXXX XXXX FOR A EVICTION OR DEBT OWED IN MY NAME. I AD DISPUTED THIS DEBT LAST YEAR PLEASE REVIEW THE COPY FROM THE JUSTICE COURT AND REMOVE FROM MY CREDIT FILE IMMEDIATELY!!!!!!!!!!!! This is fraud and not my debt!!!!!!!! According to XXXX XXXX XXXX this is a old charge off eviction debt that was turned over to collections. Not mine!!!!! Fraud!!!!! Please Remove!!!!!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX, Dear Experian I am writing to dispute the following information that appears on my Experian consumer report : Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : AUTO/VEHICLE Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. 


Dispute XXXX Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed o Im the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/2022, I mailed in legal tender in the form of a money order for the amount of {$1600.00}. It was received by Foursight Capital on XX/XX/2022. Today on XX/XX/2022, I called Foursight to see when my money order would be processed and the credits applied to my account and the agent told me that my money order was shredded and discarded. Foursight never called me to discuss any issues with my money order. I was told that Foursight doesn't have an accounting, legal or any other department that handles billing errors and issues such as this one. Assuming that Foursight Capital operates under federal and international financial laws, they aren't upholding them when dealing with my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) incorrectly reporting a debt on my credit report that i have filed a fraud report on. The FCRA section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting.

i've had an police report generated and this is the date and location i've made my report XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL i sent out multiple dispute letters to have this issue resolved and have gotten nowhere. 

the amount reposted from this fraudulent action is {$9600.00} reported on Date Reported XX/XX/XXXX but open on XX/XX/XXXX and reporting on all major bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated that the bankruptcy was validated through US Bankruptcy court. The courts provided me with a document stating they do not validate through credit bureaus or any other third party companies
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( last 4 of ssn XXXX ) XX/XX/XXXX To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Experian is reporting in accurate names, addresses and social security numbers on my credit report that I feel is affecting my credit and putting me at risk of identity theft or a credit merge. 

Incorrect Name : XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA.
Product: Credit card or prepaid card

I need a credit card to pay my bills and my life expenses. The credit card was close for overpayment no other issue with important relevancy.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being. I have the rights under 15 USC 1681. 
Equifax XXXX, and XXXX govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because accounts According to 15 USC 1681 : Ihave the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am an exhausted victim of ongoing deception by Ocwen Loan Servicing LLC and the firm presenting themselves as debt collectors on Ocwen 's behalf and claiming to be of counsel. Please advise me on how to hold them accountable for engaging in the following deceptive acts in violation of the consumer protection laws of the Commonwealth of Virginia as well as specific sections of the FDCPA, the CFPB, and the USC : Failure to timely and accurately apply payments to my account Providing false and misleading information regarding the status of my account Providing false and misleading information in response to a complaint Failure to provide accurate and timely information regarding loss mitigation services Failure to properly calculate my eligibility for a HAMP Tier 2 loan modification program Improperly denying loan modification relief after HUD Counselor determined me to be eligible Providing false and misleading reasons for denial of loan modification Using false and misleading documents as part of the foreclosure process ( ie. affidavit, assignment ) Providing confidential information to a third partyIn addition, please provide me with several references who may be able to conduct an audit of my account with Ocwen Loan Servicing LLC and someone with the authority to review my financial statements for lawful consideration of a HAMP Tier 2 Modification. 
Thank you in advance.
Product: Debt collection

In or around XX/XX/XXXX, my former XXXX XXXX credit card account was turned over to Portfolio Recovery Associates, a Debt Buyer in XXXX, VA. 

Portfolio Recovery began reporting this alleged Collection Matter to all national credit bureaus, in or around XX/XX/XXXX. 

Portfolio Recovery blatantly misrepresented this alleged Matter from the very beginning, by reporting it as a Brand-new Collection Account, each and every month. 

They did this in : XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ; then, in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. 

As Portfolio Recovery is a Collection Agency to begin with, if an account is with their office, then it is automatically a Collection Account. 

Reporting the Collection Account as being a Brand-new Collection each and every month is a blatant misrepresentation of factual credit account activity, and an attempt to make XXXX types of negative reporting 's, on the same account, at the same time. 

Following my Disputes regarding this Matter with numerous Consumer agencies, I observed that XXXX, as of XX/XX/XXXX, removed the inappropriate reporting 's of " Collection '' from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX reporting 's removed. 

However, XXXX continues to report ( as well as inappropriately reports ) this same Matter as being a Brand-new Collection as of XX/XX/XXXX. 

This is a lie. 

If Portfolio Recovery reported this was a Brand-new Collection beginning in XX/XX/XXXX ( 11 months ago ), IT IS NOT a Brand-new collection almost one year later, in XX/XX/XXXX. 

This is nothing more than an underhanded maneuver by Portfolio Recovery to " update '' this alleged Matter by one year, thereby significantly increasing the negative effect on my credit scores. 

Further, as Portfolio Recovery has removed the XXXX ( XXXX ) highly inappropriate reporting 's following my Disputes of this Matter, this would clearly indicate that the prior reporting by Portfolio Recovery was in fact inappropriate ; that is why they removed it. 

This would bring significant doubt as to the credibility of Portfolio Recovery, and their credit reporting, as a whole. 

Last but not least, Portfolio Recovery reports an alleged balance of {$2000.00} owing on this alleged Collection account, to XXXX. 

However, at XXXX, an alleged balance of approximately {$1400.00} is reported ; a difference of nearly XXXX XXXX dollars. 

This represents a very significant discrepancy in credit reporting between XXXX different bureaus, by the same alleged creditor. 

Given the multiple occurrences of contradictions and discrepancies in their reporting of this alleged Matter, I respectfully request this Matter be fully removed from all major credit reporting bureaus.
Product: Checking or savings account

My bank has accepted an online check withdrawal for ~< {$30.00} with some cents with only description " authorized by '' my name and my account routing number that I never authorized and dont recognized the payee. I was told that's the industry standard everywhere now by most banks to accept this type of ONLINE BANKING transactions. The problem is that the routing number of each checking account will be retrievable or printed at the bottom of each personal check written. I XXXX online this payee phone # given by my bank. The payee name then showed up on many customer complaints reciting similar fraud withdrawals. Also other entities name with similar instances such as, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, etc. There should be a law to prohibit this transaction ever approved by any banks by submitting bank routing number and name only. There is no owner 's signature on file authorizing it. The fraudulent activities occur involving small amount of money stolen under 50 $ from many online bank accounts easily. Where is our consumer protection on this?? Please look into this and warn the public. If the banking law doesnt change, public could never provide their checking account for their automatic withdrawal with safety as thieves can withdraw on their public checking account easily by copying their name and the account routing number. This is NOT RIGHT!! Public beware!! I am closing my checking account. 
Thank you.