23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

on Saturday XX/XX/XXXX, I received a phone call from a fraudulent XXXX number, I answered, it was a fake person saying they were PayPal, I hung up immediately, and just from that call they were able to hack into my account and get all my information. They started making charges and I disputed them immediately, and then changed my password each time. This has been going on now since Saturday at XXXX today XX/XX/XXXX they charged 2 charges of XXXX AUD from my account, this is after I changed passwords, got XXXX authenticator apps etc. PayPal is blaming the victim me, they will not do anything to help, they are saying its not their problem and its mine. They are fine on their end. I saw this person added an XXXX passport to my account etc. I have deleted a lot from the account but I am not sure what to do. this money will come out of my checking account and cause me overdrafts. PayPal and their fraudulent practices are not helping and blaming the consumers.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act DIVERSIFIED ADJUSTMENT Account number XXXX has violated my rights.15 U.S.C 1681 section 602A states that 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: Debt collection

I received a service from XXXX XXXX XXXX from mid XXXX up until XX/XX/2021. I was then charged for services in the month of XXXX after the service was suspended due to no payments made for the services for the month of XXXX and XXXX. However, that is not the issue that I am going to bring to the attention of the CFPB. I know I owed them money for the months of XXXX which i used the services for half the month and XXXX I did not use the services at all, but i did not notify them that i wouldn't be using their services anymore. The issue is, on XX/XX/XXXX I received a letter from a debt collection agency by the name of the Transworld Systems Inc. After finding it very odd that I was being charged in the month of XXXX by XXXX after my services were suspended, I reached out to them in regards to being charged for XXXX. While I was talking to them I asked them about the debt collection agency that they sent me to. I asked them what we could do to make sure that it doesn't affect my credit score. I then called the number for the debt collection agency to try to resolve the debt. I first called the number that was stated on the top right corner of the letter. When I tried to call the number it immediately went to voicemail and stated that their normal business hours are from XXXX Est. Monday through Friday. I thought it was very odd that I was unable to get ahold of a debt collection agency on a normal business day. I then googled the address that is also found on the top right corner of the letter. I found a different number to contact, so I called that number. While speaking to a gentleman I gave him the reference/account number that is stated in the letter. He stated that their account numbers are 6-8 digits long. Mine was 10 digits long. He was unable to find my account and then I verified my full legal government name with him to find the same result I did not exist in their system. I found it very odd that I am calling a debt collection agency and they're telling me I don't exist in their system but I am receiving a debt collection letter from them. I called XXXX XXXX XXXX back to ask them how I received a letter from Transworld Systems Inc. for a debt yet I don't exist in their system. I was asked by a gentleman named, XXXX, " What is my goal? Am I trying to start a payment plan? '' I asked him why would I be trying to start a payment plan with you guys if you have already turned me over to a collections agency? Why would I pay XXXX XXXX XXXX when you guys sold the debt off to a collection agency correct? He then put me on hold to speak to one of their " financial guys '' after being on hold he came back with a different account number. Not knowing that the collection agency only uses 6-8 digits for reference account numbers he gave me another 10 digit number. At this point I think he is lying to me about the debt being turned over to collections. I believe that they sent me the deceiving letter acting as a debt collection agency, which is a federal offense. I want a full investigation on XXXX XXXX XXXX for mail fraud. Calls were recorded when I spoke with Transworld Systems Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau : I recently received a copy of my credit report from the major credit reporting agencies, and noticed some late payments entry on my credit report : Your company is in CLEAR violation of the consumer law. Under 15 USC 1681b the permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL : Subject to subsection ( c ) any consumer 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 on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT ( FCRA ) 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 transactions or experience between the consumer and the person making the report ; DELETE the entry of the above late payment from my consumer credit report, because this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with this DELETION of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : ( 1 ) Defamation of Character ( per se ) ; ( 2 ) Negligent Enablement of Identity Fraud ; ( 3 ) Fair Debt Collection Practice Act 15 USC 1692g violation ; ( 4 ) Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]. 

Thank you ... ... .....
Product: Mortgage

I have a pennymac home loan. I lost my job in XXXX and was diagnosed with XXXX XXXX in late XXXX to early XXXX. I have made calls to the loan service department and the escalation departments of pennymac ; in excess of 40 calls to try and save my home from foreclosure. 

Despite my request for loan modification process XXXX 2019, calls on my behalf by the veteran affair mortgage assistance beginning in XXXX to current. I was denied the modification in XXXX  2019.  The veterans affair representative advised me to petion for the VA foregiveness program offered to all veteran home loans. The forgiveness program was denied by Pennymac, even at the request of the VA loan representative. Payments made to Pennymac in the amount of {$580.00} were not applied to my loan but were being  held in a suspense account. 

Pennymac was still unwiling to work with me after the denied loan modification and the VA loan forgiveness program. 

With no recourse I was forced to list of my home for sale on XX/XX/19. Pennymac refused to halt forclosure proceedings even though my house was up for sale. 

After borrowing money for various relatives I was able to wire {$4800.00} on XX/XX/19 as requested by pennymac letter date XX/XX/2019. Pennymac has continuously refused to halt the foreclosure processing even though my loan is now current. Instead they have charged an additional {$4000.00} for legal processing fees. Unless someone intercedes on my behalf I fear the loss of my home. 

I am seeking help with this complaint.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 XXXX  days before the payment due date.

EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Consumer Loan

I applied for an auto loan through Bank of America online 7 days ago. I have already chosen another loan offer, but I keep getting automated phone calls to my work and cell phone from Bank of America, asking me to call them about my loan, I repeatedly have told them I no longer need this and to stop calling, yet I am getting multiple calls a day still. The agent I last spoke with said he would remove my loan, but the calls could continue for awhile. I asked to remove my numbers, and he said he wasnt sure he could. This is harrassement at my workplace and my cell phone. Yes consent to call me back, but not to harass me over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account includes no information, ive reached out to the collection agency on numerous occasions to have this information updated. Ive disputed this with Experian and the failed to provide proof or update the correct information on my credit report. Per FCRA if they can not verify or update this they need to delete it.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I hope this message finds you well. I am writing to seek your assistance regarding an issue I have encountered with a credit bureau that has refused to update my personal information as per my rights as a consumer. 
I have made several requests to the credit bureau to ensure that only the address listed on my identification is maintained on my credit profile. Despite my repeated attempts, they have not complied with my request. I would like to understand if the law permits them to disregard my rights as a consumer in this matter. 
I believe that consumers have the right to have accurate and updated information on their credit profiles, and I am concerned that my rights are not being upheld. I would appreciate any guidance or support you can provide to help resolve this issue.
Product: Debt collection

I sent a debt validation to this collection agency because I do not recognize this debt. They ignored my written request for validation and continue to report this as an outstanding collection on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am paying for Equifax Complete premier a credit monitoring plan offered through Equifax. 

There has been an on going problem with their service since XX/XX/2019. I am unable to refresh my Equifax credit report and I am unable to unlock the security freeze. 

Therefore, I am unable to apply for any credit transaction that would use Equifax. 

I have made several calls to their Customer service phone number and have spent up to 30 minutes on the phone per call and no one is able to fix this. The issue was escalated to another department and nothing has been resolved. 

I am essentially paying XXXX per month for a service that doesn't work.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXXyou made a claim claiming that the information was verified. In your response you said the account was verified by XXXX XXXX, I disputed the accuracy of this information and they could not verify the account! They Deleted the account. 
See Proof Attached. You have violated my consumer rights. 
You stated that the account was verified, how did you come to possess this information? 
I am very sure I did not give you any permission ; no permissible purpose. 

XXXX5 USC 1681b ( 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. 

When did I give you permission? Your action amounts to fraud and aggravated Identity theft 15 USC 1681q You Obtained my information under false pretenses.

Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 

XXXX8 USC 1028A Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

You are guilty of obtaining my private non public personal information, you had no form of permissible purpose, you knowingly accessed my consumer report without any permissible purpose. 

The account # that you have verified can not be verified, the data furnisher must verify this disputed request, yes both of you alleged that this account was verified, But as you can see, in the attachments the source you have used to tell you verified just deleted this inaccurate account in less from the consumer report. 

Promptly delete this account from my credit reports and to every person you have furnished this inaccurate into to.
Product: Vehicle loan or lease

On XX/XX/2019 I purchased a XXXX XXXX and took out a 48 month 0 % interest loan with Hyundai Motor Finance in the amount of {$16000.00}. The first installment of {$330.00} was made on XX/XX/2019. On XX/XX/2019, after driving the vehicle XXXX miles during the 64 days of ownership, the car was rear-ended by another motorist. 100 % liability was accepted by the other motorist 's insurance company which is XXXX XXXX. As of XX/XX/2019 XXXX XXXX deemed the vehicle to be a total loss. After a minimal amount of negotiating with XXXX XXXX we agreed on a settlement amount of {$14000.00}. I made my second installment payment of {$330.00} on the due date of XX/XX/2019. As of that date the payoff balance was {$15000.00}. 

In the remainder of this narrative I am reporting on what I have been told by the parties involved. XXXX XXXX has forwarded to me the documents they purport to have sent to Hyundai Motor Finance. I have nothing from Hyundai Motor Finance to support any of the information they have provided over the phone. 

On XX/XX/2019 XXXX XXXX sent a letter of valuation to Hyundai Motor Finance and requested a Letter of Guarantee. In the period between XX/XX/2019 and XX/XX/2019 I made multiple calls to XXXX XXXX and Hyundai Motor Finance to learn the status of the situation. XXXX XXXX said they were waiting for the Letter of Guarantee they needed to issue the check for {$14000.00}. Hyundai Motor Finance claimed they needed the valuation. On XX/XX/2019 State Farm called Hyundai Motor Finance and the latter 's representative confirmed that a Letter of Guarantee had been sent out that very day and at XXXX XXXX 's request he would have a fax of the document sent out. As of this morning at XXXX XXXX on XX/XX/2019, XXXX XXXX has received no document, hard copy or fax. The latter despite the fact that on at least 3 more occasions in the interim, Hyundai Motor Finance has been called, has been requested to fax the document, and has confirmed they have again done so. 

Although Hyundai Motor Finance has never suggested that this might be a sticking point, today ( XX/XX/2019 ), I made an installment payment ( actual due XX/XX/2019 ). Rather than the amount due of {$330.00}, I made the payment for {$400.00}. As a result, the balance due as of today will be {$14000.00}. 

I do not know whether my actions today will finally incentivize Hyundai Motor Finance to actually send the requested Letter of Guarantee and in your eyes make this complaint moot. However, I can tell you that this incident and specifically our treatment by Hyundai Motor Finance has been a nightmare for both my wife and me, who are both senior citizens. At this point our credit rating has dropped at least 25 points having to have two car loans open at the same time. In addition, a check of Hyundai Finance 's XXXX page and relevant consumer watchdog sites reveals that such treatment as we have received is apparently standard operating procedure for this company. I am not asking for any financial remuneration. I am asking for help in making this nightmare end and ideally helping others not to have to experience it.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a dispute I submitted on [ date you submitted the initial dispute ] concerning incorrect information on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit report. It has been over [ number of days since the dispute was submitted ] days since I first submitted my dispute, and I have yet to receive a response or resolution.Enclosed are copies of the original dispute letter, the credit report with the disputed items highlighted, and any supporting documentation I previously provided. 

I kindly request that you re-investigate this matter and correct the inaccurate information on my credit report. If you need additional information from me to facilitate the re-investigation, please let me know promptly. 

Please confirm receipt of this letter and provide me with a status update on my dispute. I would appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your cooperation. 

Sincerely,
Product: Checking or savings account

on XX/XX/XXXX I signed in to my checking account via my PC and saw that my recent transactions were not showing I called customer service XXXX agent told me I did not know how to use the online account page ( I have been using it since the online version originated ) I asked then for technical support instead the agent put me through to another agent that told me that transactions do not post on weekends then, later, I saw that my mobile app WAS UP TO DATE WITH ALL TRANSACTIONS ... ..I wrote to Citizens and they could not explain that ... .told me to take screenshots ... .I DID NOT ... .there appears to be a problem at the bank because their stories and explanations do not match reality ( and this is the first time I noticed this issue... except when the account has a banner explaining " DOWN FOR MAINTENANCE '' ) Since some transactions showed up in my savings account online but other transactions for my checking account did not show up concerns me regarding accuracy of my accounts. then the mobile account had more current information and, according to Citizens customer service, the online account and the mobile app are supposed to be the same. SO I AM NOT GETTING THE CORRECT " STORY ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my homeowners insurance premium In XXXX to the XXXX XXXX XXXX XXXX and with my policy I was informed that I did not get the best rate because of information given to them by LexisNexis. I was also told that I could get a copy of that report. 

I wrote LexisNexis immediately for the report but only got a letter asking for what would be an identity thieves dream. They wanted a ) a copy of a bank statement or a utility bill with my current address ; b ) a copy of my drivers license AND c ) a copy of my Social Security card. Thinking that they were a reputable company I submitted the items requested. But no report was given to me. I may have assumed wrong about their reliability. 

I would like you to investigate this complaint and see if you can get the company to comply with what is legally required of them. 

The address I have for LexisNexis is : XXXX XXXX XXXX, XXXX, GA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Dear Sir or Madam : I am notifying the FTC that my identity has been stolen and used for fraudulent purposes. 
My personal information is as follows : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Someone has used my identity to engage in the following type ( s ) of fraudulent transactions : * Credit cards * Loans * Phone or Utility * Internet or email * Other : Someone used my info in an attempt to obtain credit and loans The following is a description of the identity theft incident : As a result of the XXXX XXXX  Data breach my information was leaked and someone used it to apply for credit and loans in my name ans as a result this stuff is one my credit reports.

I have also experienced the following problems as a result of the identity theft : * Denied credit or other financial services.

In addition, I have lost 60 hours between XXXX and XXXX hours of my time due to the identity theft. I don't know if the identity thief used the internet to open accounts or purchase goods or services. 
I have the following information regarding the identity thief : I have no clue. 
I have contacted the following credit bureau ( s ) : XXXX, Experian and XXXX  :. 
* regarding the identity theft and to report the fraud. 
* to put a fraud alert on my report. 
* to order a credit report. 
I have had the following problems with XXXX  and XXXX  : They refused to remove the inquiries without a police report and those applications for loans or credit have stopped me from being able to obtain credit or loans. 
I have not contacted the police department and filed a police report. Therefore, no police report is attached. 
I have had the following problems with companies that I contacted regarding my identity theft : They have been uncooperative. 
Please contact me at the above address if you have any questions or need additional information. I may be contacted by email at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX