23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PENNYMAC AT THE REQUEST OF THE INVESTOR WHICH IS XXXX XXXX XXXX HANDLED THE APPLICATION PRIOR TO THE PRIMARY BORROWER WHICH PASSED XX/XX/XXXX. PRIMARY BORROWER WAS INSURED BY OPM/OFFICE OF WORKERS COMP SINCE XX/XX/XXXX. BOTH BORROWERS WAS TOTALLY TAKEN ADVANTAGE OF SINCE THE BEGINING WHEN AT NAUGLE REQUEST MONEY BE LOANED TO HELP RAISE THERE XXXX CHILDREN FROM INJURY. AT THE REQUEST THAT THEY WOULD RESPECT THERE WISHES TO BE ASSISTED BY SON THAT HAS THE ABILITY TO COMPLY AND COMPLETE AND MOST IMPORTANTLY TO BE ABLE TO ADDRESS ISSUES WHEN CLEARLY FEDERAL GUIDELINES ARE UNLAWFULLY BEING REFUSED TO COMPLY FOR NO OTHER REASON BUT TO DISCRIMINATE AGAINST MENTALLY ILL APPLICANT FOR THE INVESTORS FINICAL GAIN. THIS IS NOTHING ELSE BUT TO CAUSE SENIORS TO FULLY BE TAKEN ADVANTAGE OF AND CAUSE TO OWNERS TO LOOSE THEIR ONLY PLACE OF RESIDENCE. PENNYMAC NEVER ACCETED COMPLETED APP. ALWAYS ANSWERED AS NONCOMPLETE WITH EVER SOURCE OF INCOME BEING GIVEN & AWARDS OF SSDI, SSI. XXXX XXXX PRIMARY BORROWER PASSED WITH A WRONGFUL DEATH THE APP WAS DENIED AND RECOMMENDED FORCLOSUREWITH NO ASST PROVIDED OR RESPECTFULLY ALLOWING SON WITH THE ABILITY TO ENFORCE COMPLIANCE FOR ADDITIONAL OPTIONS TO SAVE HOME. TREATENED MENTALLY ILL APPLICANT WHEN SHE SHOULD HAVE BEEN RESPECTFULLY BEEN GIVEN THE TIME TO GRIEVE PENNYMAC DID NOTHING ELSE BUT TO SEEN WORKER FROM PENNYMAC TO FORCE THERE SELF IN SENIORS HOME FOR PICTURES AND TOLD CO BORROWER THE RESIDENCE WOULD BEEN FORCLOSURE WITHIN DAYS TO TAKE STEPS TO ASSURE VACANTING THE HOUSE WOULD OFFER ALITTLE TO NONE AND HER BELONGINGS WOULD BE TROWN OUT OF RESIDENCE INTO FRONT YARD 30 YEARS OF BELONGINGS. PENNYMAC AS WELL AS XXXX XXXX XXXX DOES NOT RESPECT OUR FEDERAL LAWS ASSURING TO ALL AMERICANS BEING A HOMEOWNERS IS POSSIBLE. THERE MAIN FOCUS AND ONLY CONCERN IS HIGH GAINS AND THE PROPERTY IS LOST FOR THEM TO TAKE OUR HOMES. 

THANKS PENNYMAC & XXXX XXXX XXXX
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to report a potential issue with Carmax Auto Finance and their failure to provide notice of any claims that they may have against me for causing injury, casualty, deficit or debt. As we approach the end of the fiscal year, I want to ensure that I am aware of any claims that may exist before closing out my accounts.

I have contacted Carmax to request that they provide me with notice of any claims that they may have against me, but have not received a response. I have requested that if they have any evidence that I have caused injury, casualty, deficit or debt, they provide me with a detailed explanation and documentation of such claims. However, if they are unable to find any evidence of such claims, I have requested that they zero out all accounting and provide me with notice of how they would like me to report our services together. I am willing to report my payments to them on either an A1099NEC or 1099 miscellaneous form, whichever they prefer. 
I believe that Carmax 's failure to respond to my request for notice of any claims may be a violation of consumer protection laws. I would like to request that you investigate this matter and take any necessary actions to ensure that Carmax is following all applicable laws and regulations. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My identity was stolen and used to damage my credit score COLLECTIONS 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 XX/XX/XXXX Most of these collections don't even have the original creditor on the report and most information in not accurate I need all collections and inquiries removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the hard inquiries on my XXXX report on XX/XX/2023. The credit disputes came back today and nothing is removed. It is fraud
Product: Mortgage

I had a loan that was transferred to Wells Fargo and went through foreclosure and was caught up but since nobody knew who owned the note. It had to foreclose since the title was cloudy. It was fraud by the bank on every level. All the documents were Robo-signed and are all made up. It got dismissed in court twice and it is still being reported on my credit inaccurately. Everything is said and done and nothing is accurate on my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : last four XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of loans from XXXX  XXXX XXXX with a balance of {$1300.00}, XXXX  XXXX XXXX with a balance of {$1400.00}, XXXX XXXX  with a balance of {$30000.00}, a credit card from XXXX XXXX  with unknown balance, Inquiries : XXXX XXXX XXXX dated XX/XX/XXXX, XXXX XXXX  dated XX/XX/XXXX, XXXX  XXXX XXXX dated XX/XX/XXXX, XXXX dated XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transations or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account below is still reporting on my Credit Reports and need to correct immediately :
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Demand Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am writing to formally request that you cease and desist from any further attempts to report, collect, or otherwise pursue any alleged debt associated with my name to any credit reporting agencies or third parties. This request is made under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I dispute any debt that you claim I owe and assert that you have not provided valid proof or documentation substantiating your claim. Accordingly, I demand the following : XXXX. Cease and desist from reporting any information regarding this debt to any credit reporting agency, including but not limited to XXXX, XXXX, and XXXX. 
XXXX. Remove any incorrect or inaccurate information related to this alleged debt from my credit reports with all relevant credit bureaus. 
XXXX. Provide me with the validation of the debt, including all documentation and records that substantiate your claim, as required by the FCRA. Without proper validation, any further reporting or collection attempts would be in violation of federal law. 

Under the FCRA, you are legally required to ensure that the information you report to credit bureaus is accurate and complete. If the information you report is inaccurate or incomplete, it must be corrected or deleted promptly. If you fail to comply with these legal obligations, I will consider taking legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other appropriate legal remedies under both the FCRA and FDCPA. 

Additionally, please note that I do not authorize any further communication from you, except for the written validation of this debt, as outlined above. Any attempt to violate this cease and desist request may result in further legal action. 

Please acknowledge receipt of this letter in writing and provide confirmation that you will cease all reporting and collection efforts associated with this matter. 

Thank you for your immediate attention to this request. 

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

My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have live here for ove 10 years.The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting or other personal consumer reports

I did not provide my permission for the sharing of my private information. Information reporting that affects me as a consumer is NOT fair and XXXX. I never received the right disclosures or a choice on the sharing of my information. Any advantage from these transactions has not gone to me. I feel like an identity theft victim. Please block, delete, and promptly take them off of my customer report. 

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting.
Product: Debt collection

Disputes on my credit report by Experian not being properly investigated against XXXX XXXX. 

I disputed the entire bill with XXXX XXXX XXXX and was found in my favor, back in XXXX  but this radiology bill is not correct. 

Collections being sold over and over again exceeding time limits on false claims by the original creditor is something to be investigated. 

Name and address errors not being removed and or new errors popping up. 

I would like the name and address errors to be corrected and my bill with radiology partners be removed. 

I would like to see damages paid to me by Experian for not investigating disputes properly.
Product: Checking or savings account

I deposited a third party check amounting to XXXX on XXXX XXXX The bank hold the check for 8 days while theyre verifying the check endorser which they did not verified because the phone nunber is not registered under the name of the check endorser. 
Now after 8 days the check cleared and they restricted my account. I can not withdraw the money or they can not lift the restriction unless they can verify the phone number i gave them. The problem is the endorsers phone number is not registered with his name and i can not do anything about it. 

Now the bank is closing my account and will hold the check until theyre able to verify with the endorsers phone number.
Product: Money transfer, virtual currency, or money service

I have been using PayPal for over 10 years and suddenly they are emailing me saying I can no longer do buisness with them and that I have violated their terms. In the email they sent they did not specify what terms I have violated as I use PayPal to recieve money through selling products on Stock X and I use it to pay some subscriptions such as XXXX and XXXX eats and sometimes to purchase products, nothing illegal or fraudulent. I do not use my PayPal for any thing other than those that I have stated and they have not explained to me the reason why they say I can not do buisness with them. This is frustrating as I use it to make extra income please get back to me thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

DATE : XX/XX/XXXX RE : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX. 

RE : Hyundia account # XXXX Dear CFPB : I spoke with XXXX XXXX from XXXX XXXX XXXX regarding my paid off old auto loan that is now disputed with XXXX. I sent Hyundai and XXXX   two disputes on XX/XX/XXXX regarding five late payments, they where never late Hyundai did not credit the payments on time. They simply said they were accurate and I needed to provide then " additional supporting information ''. 

I had spoken with XXXX XXXX from XXXX today XX/XX/XXXX and found the Hyundai account not reporting the entire payment history beginning XX/XX/XXXX-XX/XX/XXXX.  There is four years of payment data history missing and I asked Hyundai and XXXX ( XXXX XXXX ) to include that payment history because it is not showing on my account. 

As per the Fair Credit Reporting Act information must be one hundred percent accurate and verifiable. Simply reporting the late payments and excluding the positive payment history is misleading and I am asking XXXX  to include all the payment history in the record.
Product: Debt collection

Please note I have not filed bankruptcy however debt is not owed to Portfolio Recovery. I sent out a certified letter to Portfolio dated XX/XX/XXXX asking them to provide documents bearing my signature that showed I had a legally binding contractual obligation to claimed account. I am unware of doing any such business with Portfolio. And simply put, want validation. Portfolio just sent copies of past bills from a creditor. However, the last bill from creditor shows account as being charged off for {$4900.00} and a positive credit to the account for {$4900.00} with a closing date as XX/XX/XXXX. This shows the account has been charged off and paid. Portfolio is appearing on all 3 CB for me owing {$5900.00} ( different amounts! ) Portfolio has also sent a letter showing Original Creditor as XXXX XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX either. It seems that Portfolio either could n't or would n't provide proper validation proving I own that debt. I 've never received anything in writing from Portfolio prior to them showing up as a collection on all 3cb. I 'm on unemployment, trying to find work and request that this false information is taken off of all 3cb immediately as it is having a huge impact on my score and what potential employers see. I kindly ask for you to take a look at my case. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX account # XXXX According to the Fair Credit Reporting Act 15 USC 1666b -A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
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 Account Number : XXXX Account Name : 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: Debt collection

I had fraud activity on my credit card, it was resolved. I paid the balance and closed the account. In 2018. For some reason, I have one account showing open on my credit report yet, not past due no activity at all since 2018. Then I don't know if there's one, two, or three different places trying to collect on an account that appears to have been opened after I closed the one with fraud. I have LVNV Funding, Resurgent Capital Services, and XXXX   XXXX  all sending me emails and letters. This is the biggest scam I've ever seen, and I've emailed XXXX  XXXX  my dispute information showing my credit report and they said collection efforts will stop, and then I get a letter in the mail, so obviously that's a lie. XXXX XXXX XXXX  credit card was the biggest mistake of a card to ever have. I can't get rid of the after math of them and I owe them nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A stated 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.
Product: Credit card or prepaid card

In XXXX I received an email stating I owed synchrony bank a payment for a credit card I didnt receive. I attempted to call synchrony regarding this issue. I can confirm they had a different address than my own so a card in my name went to someone elses house. 
In addition, I can confirm synch/amazon is on my credit report as a new report. 
Here are the issues. 
1. Without the correct address synchrony wont tell me the account number. 
2. They wont send statements to my address but to the fraudster using my card. 
3. Cant sign in online without the full card number. The card number the fraudster has not me. 
4. Synchrony was informed of these issues in XXXX. 
5. Now XXXX, I get another email saying I now owe $ 500+ even  though I explicitly asked the account be closed. 
6. I can not see any messages from Synchrony without the account number.
Product: Debt collection

I received notification from the XXXX XXXX XXXX  stating that a case was opened against me for a debt that was not validated. Had a request to validate this debt been provided, they would have known that this account was fraudulent due to identity theft. I have since provided the documents showing this is a result of identity theft ; however, the open case record has now tarnished my name. 

Per FDCPA, any debt collector is to provide the consumer with XXXX days to dispute the debt, however, they started legal proceedings prior to following the law.