23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife and I refinanced our loan on our house about 3 years ago through Mortgage Company Y. About 1 year later our Mortgage was purchased by PennyMac, my current Mortgage provider. When our Mortgage was originally setup we did not have an Escrow account as both our property taxes and home owners insurance is paid by us directly. We do have PMI on our mortgage which both our original Mortgage provider and PennyMac pay from my monthly payment. 

PennyMac assumed they paid my home owners insurance so they cut a check on my behalf in XXXX XXXX. Then once their automated system saw that I had a negative balance, they assumed it was from my Escrow account that we never setup. This problem occurred when the mortgage was transferred to PennyMac, which they admitted and fixed. At no point in during my mortgage have I been late or stopped paying the exact same amount which was established at the beginning of this loan. However because of PennyMac 's error they charged me a late fee since my account showed a negative balance, this late fee causes issues because when their system pays my PMI, the balance continues to be negative. I have called PennyMac three months in a row trying to fix this in which they claim to do, but unfortunately each time I get a mortgage bill the error continues and they increased my mortgage payment, to fix the negative balance. During my last call on XXXX/XXXX/XXXX to XXXX at XXXX ( PST ). I was placed on hold for about XXXX minutes when XXXX said the insurance department was the only department which could fix my problem. I was placed on hold again for another XXXX minutes in which the individual who finally answered said they only deal with property tax and home owner insurance escrows. He looked at my account and said that I do not have an escrow account and that my insurance is good until XXXX. He apologized and said I would have to call customer service back. Funny Customer Service closed at XXXX XXXX, how convenient. I would like PennyMac to put loan amount back to its original amount which was established when I stated this mortgage along with crediting my account for all the late charges they put on it due to their mistake. Please help!
Product: Debt collection

I have asked the company on several occasions to only contact me through us mail or email. 
The most recent contact attempt to locate me was on XX/XX/XXXX when they called 3 of my relatives who were included in my Cease and desist and those same relatives have asked the company to not call them as well. Due to pending small claims court action through XXXX Justice Court I had requested a copy of my entire file and you will see below is a list of the companies memos made on my account from different employees, 17 different times they have made notes in my account as far as a Cease and desist account. However they continue to contact me and continue to contact my references while I have included them in my requests to not contact. They have my current information to locate me as we have ongoing litigation through the XXXX justice court, There is no reason for them to continue to contact my references when I have told them to stop. My references have also told them to stop calling. Most recent calls were on XX/XX/XXXX. I have written documentation to show my requests and the company continues to ignore those requests. 

XX/XX/XXXX Called refs XXXX XXXX w/XXXX, Asked DNC @ XXXX XXXX XX/XX/XXXX Called XXXX, I called back asked again DNC @ XXXX XXXX XX/XX/XXXX Called XXXX, asked DNC @ XXXX XX/XX/XXXX Called asked DNC @ XXXX XXXX XX/XX/XXXX Called, I hung up on the caller @ XXXX XX/XX/XXXX Company acknowledges DNC on file XX/XX/XXXX XXXX ( employee ) will talk to XXXX to see about calling @ XXXX XX/XX/XXXX email, I explain DNC only written communication thru email @ XXXX XXXX XX/XX/XXXX email, I request no phone calls or emails only XXXX  mail communication @ XXXX XX/XX/XXXX Company acknowledges Email only on my file @ XXXX XXXX XX/XX/XXXX I emailed regarding credit bureau reporting was given the wrong information entirely XX/XX/XXXX Company acknowledges DNC or email @ XXXX XXXX XX/XX/XXXX Company calls refs - XXXX and XXXX although its marked DNC @ XXXX XX/XX/XXXX I ask  again DNC me or refs @ XXXX XX/XX/XXXX Company acknowledges DNC again @ XXXX XX/XX/XXXX Company acknowledges DNC again @ XXXX XXXX XX/XX/XXXX Company acknowledges DNC again @ XXXX XXXX I have sent an email to the Branch Manager, XXXX XXXX and CC 'd her Regional Manager Mrs. XXXX addressing my concerns twice on XX/XX/XXXX and XX/XX/XXXX I received no response from either in this matter.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$75000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00}
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 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

Documents dates from XX/XX/XXXX/XX/XX/XXXX as well as currently XX/XX/XXXX numbers, dates loan numbers and a lot of the information and documents are different that what I signed and what Im reviewing and the title company made me change my signature and Ive requested a copy of what is on file at XXXX XXXX XXXX XXXX the supposed title company and XXXX XXXX XXXX as well as previous mortgage company as well as requested copies of the appraisals and paperwork. As well as have gone to phfa and called agencies for counseling for home buyers at phfa.as well as my employers and tax documents. Each time Ive asked for copies the documents are changed or something is different and Ive sought an attorney as well as gone to my church.
Product: Debt collection

Sent a letter stating that I owed money on a debt that is past the statue of limitations. The debt is 4 1/2 yrs old they can not collect on this debt anymore
Product: Credit reporting or other personal consumer reports

Verisk obtained Driving Behavior Data History information without legal consent from any owner of my vehicle. I also expressly forbade XXXX and the XXXX dealer in writing from sharing my information with 3rd parties other than for vehicle registration and tax reporting purpose on a cash vehicle purchase.
Product: Credit reporting or other personal consumer reports

I requested that the charge belongs to my son it does not belong to me it was his account XXXX XXXX also it is old past the 7 year mark. Needs to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, Inquiry Date Inquire Name Chase Card Business Type Bank Credit Cards Contact Information XXXX XXXX XXXX, XXXX, DE XXXX  ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to file a formal complaint against Experian for violating my FCRA rights. I've sent several letters to Experian to try and get them to investigate these inaccurate accounts on my behalf. They haven't done anything to help me get these inaccurate accounts and errors removed so I am reaching out to you for help. I have attached the last letter I sent them so you can see all of the inaccuracies in their reporting. Please help me get these accounts removed.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$160.00} XXXX - XXXX - XX/XX/XXXX - {$160.00} INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit card

I spoke with bank manager, XXXX ID number XXXX and we went through every single payment I made since opening the account. She promised to correct the different allocations between the two promotional balances and send me a letter to this effect. Nothing ever happened. She told me, the correct balances should have been on the interest-bearing promotional balance. The actual balance should have been, very big differences!
Product: Debt collection

JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX, XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$1100.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Product: Debt collection

Looking to repair my credit and looked on my credit report and saw this collection agency. I'm unaware of any dept owed, what it's for. Haven't received any notices, copies of original contracts, validation of dept or signatures.
Product: Credit reporting or other personal consumer reports

I attempted to get my free credit report and score from Equifax. The XXXX XXXX  home buyer education cerificate course told me to go to annualcreditreport.com so I did and that website told me to get my credit report from Equifax. I got a credit report but no score. I followed the directions to call to get my score but the phone number provided had a nonworking directory that did not send me to customer service despite multiple tries. At this point I have spent over an hour trying to get my own information.
Product: Debt collection

I had an apartment lease with XXXX ( XXXX XXXX XXXX ) and my lease was for 14 months. Throughout that lease I had been late a few times so the company decided not to renew my lease. They sent me a letter around XX/XX/XXXX/XX/XX/XXXX ( no longer have letter ) stating they were not going to renew my lease due to several late payments so I decided to move in XXXX XXXX. My lease expired on XXXX/XXXX/XXXX ; I moved out on XXXX/XXXX/XXXX which was the same day they served eviction papers for me to exit premises. Since I was unable to renew my lease with Villages of XXXX, I decided to not pay my rent for XX/XX/XXXX and move into another apartment. It didnt make sense to pay rent for XXXX apartments if I knew I was already moving out of XXXX. I needed the money to move into my new place and since they were not renewing my lease it was only right to find another place. So the day they served eviction papers, I was actually moving out of the apartment. They stated I had to write them a letter that I was leaving but I was unaware of that. My mother and I spent the whole night cleaning and movig out the apartment ; the leasing office stated I didnt clean the apartment which is not true. They took pictures of unvacuumed carpet and crumbs left in the stove and a hard water stain that was stuck in the tub ( which was there when I moved in ). I even brought that to maintenance attention when I first moved in plus it was a disgusting garbage smell from the sewer system. Maintenance stated that the stain was old and the smell was from the apartment sitting for some time. Now I have this eviction listed on my credit which is prohibiting me from finding housing. I moved because they stated they was not going to renew my lease so to make matters better for myself I decided to just go. Prior to me moving I received a letter from the leasing office XXXX XXXX stating that I owed them for XXXX XXXX rent that had been reversed. As an early XXXX gift, my rent was payed by a friend and I didnt know it had reversed until I received the letter. Now I owe for XXXX XXXX rent, cleaning fee, XXXX XXXX rent, and breaking lease. I dont understand why it took 2 1/2 months to see the reversed payment and I did clean the apartment but they say I did not. I would like some resolution to this please. I also have pictures of the apartment.
Product: Checking or savings account

Subject : Request for Assistance Regarding Denied Claim by Citibank for Fraudulent Transactions Dear CFPB, I hope this letter finds you well. I am writing to express my grave concern and to seek your assistance regarding an issue I've encountered with Citibank, concerning the denial of a claim related to fraudulent activities on my account. 

On XX/XX/XXXX, my Citibank account was compromised, resulting in XXXX unauthorized wire transfers made to a fraudulent party. These transactions amounted to {$1600.00} and {$800.00}, in addition to {$50.00} in bank charges for the wire transfers. Upon noticing these fraudulent transactions, I immediately contacted Citibank to report the issue, requesting that my account be locked to prevent further unauthorized activity and that the fraudulent wire transfers be reversed. 

Despite my prompt response to the situation, I was disappointed to receive a denial letter from Citibank on XX/XX/XXXX. In their correspondence, Citibank attributed the denial of my claim to my alleged failure to take adequate steps to protect my account. However, this reasoning overlooks the fact that the security breach was a result of vulnerabilities within Citibank 's own system, which allowed the hacker to access my funds. 

Further exacerbating my concerns, upon visiting the Citibank branch in XXXX, CA, where I initially opened my account, I discovered that several other customers had experienced similar security breaches. This pattern suggests a systemic issue with Citibank 's security measures, rather than individual negligence on the part of affected customers. 

Despite my efforts to collaborate with Citibank to resolve this matter, I have faced considerable resistance. Citibank has refused to reimburse the stolen funds, citing that the culprit had already withdrawn the money from their system. Additionally, my requests for access to their investigation report have been met with refusal, leaving me without insight into the steps, if any, Citibank has taken to address the vulnerability that led to this breach. 

Given these circumstances, I am reaching out to your organization for assistance in investigating Citibank 's handling of my case and those of other consumers who have fallen victim to similar security breaches. The savings that were stolen constituted funds I had set aside for my livelihood, and I believed them to be secure under Citibank 's protection. 

I am placing my trust in your ability to help rectify this situation and to ensure that adequate measures are taken to prevent similar occurrences in the future. 

Thank you for your time and consideration. 

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

My Experian Credit report includes personal contact information that is inaccurate. I am requesting that the contact information on my report be updated to only reflect the accurate information provided below and all other contact information be removed from the report. This request is to ensure my identity information is uniform and prevent any confusion for creditors or lenders. 

I have attached the formal Dispute Letter To Experian Credit Bureau and a copy of licence for verifcation purposes.
Product: Credit reporting or other personal consumer reports

I am requesting immediate removal of the following inquiries. I believe I am a victim of identity fraud and I submitted an FTC complaint. I did my research and determined these are fraudulent inquiries and do not belong to me as I never authorized them. I tried contacting the companies already and get no real help. These must be removed as soon as possible or I will take legal action. Thank you. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Originally, I attempted to make a complaint against this company ( Credence Resource Management ) as I was not familiar with this debt. However, upon reading their response to my complaint I know what this debt is and it is now paid. Credence Resource Group has to delete from my report as the balance is paid/inaccurate.
Product: Credit reporting or other personal consumer reports

I have an identity thief from the credit Bureaus Experian, Equifax, FICO, and also the XXXX XXXXXX/XX/XXXX have all had data breaches. I now have people calling my phone with my full name, address, and phone number due to the mishandling of my information. This has been happening for years, now my information is being used. I would like some assistance with this as I can no longer trust the Credit Bureaus and the banks.
Product: Credit reporting or other personal consumer reports

I am writing to seek assistance regarding an issue with my credit report. I have encountered a significant inaccuracy concerning charged-off accounts, which I have unsuccessfully tried to resolve directly with the credit bureau XXXX 

Account Information for Dispute : XXXX XXXX Balance {$460.00} XXXX XXXX {$330.00} XXXX Bank {$800.00}. 

The issue at hand is a charge-off that is still reporting a balance on my credit report. As per the Fair Credit Reporting Act ( FCRA ), once a debt is charged off and either sold or transferred to a collection agency, the balance on the original creditors account should be reported as XXXX. This incorrect balance reporting is not only misleading but also negatively impacts my credit score.

I have previously attempted to resolve this issue by contacting directly. Despite my efforts, the balance has not been corrected, and my credit report still inaccurately reflects this debt. 

I am seeking the CFPBs assistance in ensuring that this error is corrected promptly. This request aims to ensure the accuracy of my credit report as mandated by the FCRA. 

I appreciate your attention to this matter and look forward to a resolution that reflects the accurate status of my credit report. Please do not hesitate to contact me if further information or clarification is required. 

Thank you for your assistance and support in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to remove information from my credit file. I just reviewed a copy of my Transunion credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed that my XXXX XXXX XXXX XXXX XXXX was missing. I called Customer Service at XXXX to report it as such. An agent by the name of XXXX stated that it was being transferred to the Fraud Department for additional verification, but ultimately I was told that it would be sent via regular mail as I didn't need the card immediately. 
On XX/XX/XXXX, the card had still not arrived, so I called Customer Service again and spoke with XXXX. The automated system indicated that they never sent me a new card. She apologized and stated that one would be expedited to me in 24-48 hours. 
On XX/XX/XXXX, when I still had not received my card, I called Customer Service again and spoke with XXXX ( operator ID # XXXX ). She conferred with a supervisor and ultimately notified me that through no fault of my own, my account had been closed ( something I verified through checking my credit report - it was closed on XX/XX/XXXX ). She stated multiple times that it was an error on their part and they would fix it. However, unbelievably, she said that it would take 4-5 business days to approve the reopen request and then they would expedite the new card in 24-48 hours. It is now XX/XX/XXXX, and I still do not have my card. If this is XXXX XXXX XXXX XXXX XXXX 's idea or expedited service, then I would hate to see standard service. At this point, I have wasted an inordinate amount of time, yet it's been over a month and I don't have my card ( an account which I've had for 16 years ). I also have little faith that they will follow through and remove the reference to a closed account from my credit report.
Product: Debt collection

In XXXX I joined a XXXX of a gym called XXXX in XXXX XXXX. It was infested with XXXX XXXX, XXXX, shady people and the equipment was 50 years old. I called and told them to cancel my trial membership and they agreed. 2 years later a collection item appeared. I had it removed when I explained what happened and threatened legal action. That was in XXXX. It was removed. Now, 3 years later during a pandemic and unemployment, a credit application i made was rejected. I obtained a copy of my credit report to understand why and I saw this bogus correction item. It's fraud. It's unreal. Bottom feeders literally ruined my financial standing, in a pandemic struggling with unemployment, I'm XXXX dollars behind on XXXX rent, chasing a quick buck. 

Remove it now. It's now mine!!! And I'm going to sue you for this garbage too. Enough!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, BALANCE OWED, DISPUTE STATUS, CREDIT LIMIT, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Product: Credit card

Messages can not be read or found at Synchrony Bank website which they sent me. Also, i have sent messages to Office of the President XXXX XXXX XXXXXXXX ) but today for the first time i get this reply saying : this is not a monitored email, yet XXXX XXXXXXXX - XXXX XXXX sent me the following email from this address on XXXX : Hi XXXX XXXX, I am responding to two voicemails I received from you on XX/XX/2024, where you requested to settle your remaining CareCredit account balance for {$600.00}. You also advised you wished to discuss the matter via email.... 

Sincerely, XXXX XXXX. 
Corporate Consumer Relations, Senior XXXX XXXX, i got the following reply from this same OFFICE OF THE PRESIDENT XXXX XXXX XXXXXXXX ) : Hello XXXX XXXX, We have received an inquiry from you or someone on your behalf. Communication is important to us, and we are beginning our investigation process.... 

Sincerely, Synchrony Corporate Consumer Relations ( XXXX ) XXXX This e-mail is being sent from an UNMONITORED E-MAIL ADDRESS. Please do not send any emails in response to this notification.