23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My father passed away XX/XX/XXXX. He had a mortage through PennyMac. The mortgage was being paid by myself and my sister through XX/XX/XXXX. The house is currently in escrow to sell ( not a short sell ). I am the trustee of my dad 's trust which includes his home. I have provided PennyMac all the documentation ( death cert, trust, copy of contract for the sale of the house etc ) in order to discuss loss mitigation and my options. pennyMac will not assist me by talking to me, stating they need a signed authorization to discuss the loan. My father can not provide that as he passed away. I am worried that before escrow closes ( set for XXXX XXXX ) that foreclosure process 's will start. I do not understand how PennyMac can not speak to me regarding the loan, how they cant se4em to understand my father is dead. I have been very proactive in trying to avoid foreclosure. Please help
Product: Debt collection

Carmax auto finance which is a debt collector pursuant 15 usc 1692a ( 6 ) of the Fair debt collection practices act is reporting an account as closed and charged off as bad debt when in fact this was a consumer credit transaction in which a finance charge is involved. Therefore, there is no such thing as a late payment. Pursuant to 15 usc 1605 under Truth in Lending it says the finance charge is the sum of all charges in a consumer credit transaction. My social security card which is an open ended credit card was used. Any transaction in which my credit card was used is the obligation of the United states pursuant 18 usc 8. I gave security interest ( collateral ) in the vehicle which covers all obligations. Pursuant to 15 usc 1602 ( l ) a credit card is any card plate coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I'm demanding complete deletion from all consumer reports. This is a consumer credit transaction in which I want deleted completely from my consumer report and I have that right.
Product: Mortgage

I sent them {$700.00} XX/XX/XXXX for them to say I never did because they never got it, well my bank account shows where they have taken out, this all started with specialized loans servicing when they started bouncing checks back due to " they couldn't read it '' they recently said my mortgage to shellpoint mortgage who has lost that {$700.00} XXXX sent them that came up missing
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States if executed outside the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE law to this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1201. Additionally, this misstatements are punishable as perjury under 18U.S.C 1621 This collection found within my credit report and not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money and was successful in creating some accounts. All are being investigated by the FTC. 

TRANSUNION XXXX. XXXX XXXX XXXX in the amount of {$800.00} XXXX XXXX. XXXX XXXX XXXX in the amount of {$800.00} XXXX. XXXX XXXX XXXX in the amount of {$1700.00} XXXX XXXX. XXXX XXXX XXXX in the amount of {$800.00} XXXX. XXXX XXXX XXXX  in the amount of {$1700.00} XXXX. XXXX XXXX XXXX  in the amount of {$20000.00} ( INACCURATE REPORTING )
Product: Credit reporting or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companys that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as trascation agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Regional Acceptance Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact Regional Acceptance Corporation immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal lawbut no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
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/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX  XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX XXXX XXXX/XXXX/2021 XXXX XXXX/XXXX/2021 XXXX XXXX/XXXX/2021 XXXX XX/XX/2021 XXXX  XXXX/XXXX/2021 XXXX XXXX/XXXX/2021
Product: Debt collection

A number called my phone several times and finally after no Voicemails I called it back. After a long pause a call center type person came on said Credence Resource Management ( was calling from XXXX ) in a foreign voice. I stated I had no idea who they were and I felt they had a wrong number. They then asked if I was xxx ( who is my daughter ). My daughter is XXXX with no bad debt - only student loan and one credit card so I said why are you trying to reach my daughter and how did you get my number? He said its a personal matter. I said well this is my daughter you are referencing and I want to know how you got my number. He said I will take you off list and hung up on me. No idea why they were calling at all.
Product: Debt collection

After payment was made on a debt that was arranged to a lesser amount on a debt that was not conclusively my responsibility to Midland Credit Management XXXXXXXX XXXX XXXX XXXX MI XXXX was victimized by identity theft resulting in my bank accounts and phone service being lost for an elongated amount. After rectifying matters I attempted to resume the payment arrangement that was previously agreed upon settlement installment which was XXXX. They informed me that the balance was XXXX and would not allow me to resume my payments which I attempted to make in good faith although As I was justified.for any and all delinquency. I've made numerous attempts to rectify the matter consistently being.transferred from department to department intentionally hung up on being treated rudely and in a very demeaning manner.. Consistently calling me XXXX or by the wrong name as if they're doing it intentionally. My name is XXXX which is how it is listed shown on my account This is clearly a case of gouging harassment and default on their part. I have disputed the balance of this account internally with Midland Credit Management In which they were supposed to respond to me directly or by email. And with their promissary statements of dispute arbitration by their head officer of that department. I had still not received any correspondence as of today. I've also filed dispute with XXXX XXXX and XXXX to no avail ..Any and all assistance in this matter would be greatly appreciated.
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. 
XXXX XXXX XXXX XXXX, 15 U.S.SC 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
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I found out 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$10000.00} ( XX/XX/XXXX - XX/XX/XXXX ) ; XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

On Thursday, XX/XX/XXXX, I went online to check my account. A message was displayed that indicated the account was disabled and to call a phone number. I called the number and there was no answer. It was XXXX XXXX. On Friday, XXXX XXXX, I called the number. It was the Risk Closure Department. I was informed that Bank of America had decided to close my account. They reserve the right to do that at any time without explanation. At this time it was frozen and was scheduled for closure on XX/XX/XXXX. I told the representative that I had a Social Security Check scheduled to be deposited on XX/XX/XXXX and a pension check on XX/XX/XXXX. She told me to call the Risk Closure department on the morning of the deposit and they would put in a request for disbursement of those funds. She indicated that I would be able to pick up those funds at a branch office later that day. 
On XX/XX/XXXX I called the Risk Closure Department to make the above mentioned request. The person I spoke to said it would take 1 - 3 business days to get a response. For some reason they would not count that day as day 1. This meant that the 3rd business day would be Monday, XX/XX/XXXX but I could call each day to see if there was a response to my request. I called every day and have done so since and there is still no response to my request. Today is XX/XX/XXXX, 6 business days and no response. They are now telling me that usually no response means that they are going to wait until the account is closed and mail a check at that time. For me that is XX/XX/XXXX. 
On XX/XX/XXXX, I received a written communication from Bank of America regarding this situation. It was dated XX/XX/XXXX. The letter outlined what was happening and what to expect. One item in  particular was a statement regarding scheduled direct deposits. It states " We won't accept direct deposits into your account ''. Well they accepted both my social security check and pension check into the account so they are now tied up in this process. If they had returned them, I would have been issued paper checks from those agencies long before XX/XX/XXXX.
Product: Credit reporting, credit repair services, 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 this account 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 account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX LOAN XXXX XXXX
Product: Mortgage

I have been working with corporate customer service with BancorpSouth during XX/XX/XXXX and XX/XX/XXXX.  They refuse to follow guidelines clearly outlined in the FHA handbook regarding our FHA loan. 

BancorpSouth refuses to follow guidelines from the FHA handbook on our mortgage. 
Page 591 of the FHA Handbook 4000.1 allows banks to drop the PMI premium at the borrower 's request. We have requested this a number of times but BancorpSouth reports that if they do it for us they'd have to " do it for everyone. '' I spoke with a number of people up there including XXXX XXXX who is their customer service manager.
Product: Credit reporting or other personal consumer reports

Last year, I found XXXX fraud accounts in my credit report. They were all late and had outstanding balances, but I have never applied for these credit cards. I called these companies few times to inform them what is going on, but one of them said they can not proceed with my claim because they were " unable to verify my identity '', " everything is showing accurate '', and " I need to contact my credit bureaus in this case. '' I did contacted XXXX, Equifax, and XXXX, and they told me to submit FTC report which I did. I first submitted FTC report back in XXXX of 2023, and until now, when I submit FTC report, all the results are coming back with " these are accurate information. '' I even contacted these creditors to request the actual application and whatever documents they received, but I never received any letters from them except for the dispute case result letter saying " this is correct information. '' I even requested credit bureaus and requested to send me whatever they received from creditors proving that these are my accounts. However, since XXXX of 2023, until now, they never sent me any proof from creditors. My credit score is severely damaged, and some representatives told me to pay for it, and they will refund me once the dispute case is finishes. I can't understand why do I have to pay for something that I have never applied for or never used it. I have been asking my credit bureaus to help me, but all they say is " we just do what we receive from creditors. '' Of course, these creditors would want this account to be factual because they need someone to pay the balance. At least credit bureaus should have stand up for me because I am paying them monthly membership fee to protect and help me. Until now, none of them helped me or showed any efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : has violated my rights : XXXX - XXXX - Late Payments 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 an account without my written instructions 15 U.S.C 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
Product: Debt collection

Have disputed this before. company repsonded to CFPB that they will cease adn desist. and it has popped up on my credit report on XX/XX/2018 again!! I am goign to pursue this further
Product: Credit card

I recently discovered a [ credit card/account ] on my credit report that I do not recognize. I have been monitoring my credit closely and immediately disputed the account upon noticing it. However, it still appears on my report, and I want to clarify that this account was not opened with my consent or knowledge. 
I recently discovered that my information was included in the XXXX data breach.

I suspect this account may have been opened fraudulently, and I am requesting a thorough investigation into how and when it was created. Additionally, I would like to request the accounts immediate closure to prevent further unauthorized activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Collection Agency violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.
Product: Debt collection

I asked the debt collector to contact me via email. They are refusing to do so and are calling all my family members and harassing them.
Product: Credit reporting or other personal consumer reports

Sending this complaint as a guarantee to make sure that these XXXX remaining fraudulent inquiries will be removed from my credit reports. I have sent a complaint pertaining this issue dated XX/XX/XXXX, and I am sending another complaint again to make sure that these inquiries be removed within XXXX  days time. Requesting the Experian and XXXX Credit Bureaus to please see the inquiries listed in this complaint for removal : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX got a XXXX XXXX XXXX  taken from my savings and checking account for a Discover card that is not even in my credit report history.
Product: Credit reporting or other personal consumer reports

XXXX Account Ending in XXXX needs to be deleted. Wrong Information. 

Trans Union Reports Date Of Last Activity XXXX XXXX Reports Date Of Last Activity XXXX XXXX Reports Date OF Last Activity XXXX How can all XXXX Bureaus have different Dates. My credit report should be 100 % Correct. Please delete XXXX Account XXXX. XXXX 

Trans Union has account XXXX " Last Verified '' on XXXX XXXX and XXXX " Last Verified '' Shows " Nothing '', how can this be especially since I have sent them letters requesting them to investigate this account that is wrong, it comes back " verified '' yet nothing in the account was Updated. This is illegal and against my rights. It means it was never investigated. 

XXXX Account ending in XXXX needs to be deleted. It was never investigated or fixed, by all XXXX bureaus and it is past 64 days til today. Way past the 30 day mark to correct these errors. 

I have attached proof of myself as well as credit report showing these errors. 


Also My Name is XXXX XXXX. This is My ONLY NAME. I have Corrected this Several Times on my credit report and Invalid Names keep showing. 

Wrong Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX... etc These Names are all Wrong. 

Correct Name and Only Name is : XXXX XXXX. Please Correct my name
Product: Credit reporting or other personal consumer reports

Dear Experian Customer Service, Upon reviewing my account, I am disputing the late payment reported for XX/XX/XXXX. Experian has already found this dispute to be in my favor. As of the credit report dated XX/XX/XXXX, sent to me by Experian, XXXX XXXX reported an Exceptional payment history ( Open/Never Late ). I am perplexed as to why, despite this, there is a discrepancy with my current dispute for XXXX XXXX, and my account is still reported as late for XX/XX/XXXX. 

I have attached a copy of the Experian report indicating that my account was current as of XX/XX/XXXX. Additionally, I am disputing the late payment reported for XX/XX/XXXX, as you are still reporting this payment as late. I need Experian to update my account to reflect that it was paid within 30 days for both XX/XX/XXXX and XX/XX/XXXX. 

Furthermore, both XXXX and XXXX report my account as current and never late for XXXX XXXX. 

I have also attached my bank statement as proof that my account was paid within 30 days for the month of XXXX. 

It is imperative that Experian rectifies these inaccuracies promptly to ensure the integrity of my credit report and prevent any further financial implications. 

I expect immediate action to resolve this dispute and appreciate your prompt attention to this matter. 

According to the Experian Report from XX/XX/XXXX, XXXX XXXX had reported my account as " Paid Never Late ( Exceptional ). '' Now, with a new dispute opened regarding XXXX XXXX 's incorrect reporting for XX/XX/XXXX, my account is suddenly showing late payments. This discrepancy is alarming, especially considering that the issue for XX/XX/XXXX had already been resolved. I have submitted my bank statement and uploaded the XX/XX/XXXX report as evidence to support my case.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurate in terms of reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

I have been disputing this charge for quite some time now I finally have the proof to provide with an email from the property manager and a ledger that was submitted to me by the Property Manager XXXX XXXX XXXX has been trying to charge me for quite some time for a charge that I did not owe. They are charging me {$1600.00} however they already have submitted a final bill for {$110.00}. I have the proof and I have a open dispute with the company who has not yet to respond. I would like this removed off my credit so that I could proceeded to get a house. I disputed this with Equifax however they are saying that the debt is valid. I am disputing this again. Per the attached ledger, this is an incorrect balance owed. XXXX XXXX has already successfully removed this from my credit because the fees are not correct and the company has refused to correct these fees. I would like for Equifax and XXXX to remove this from my credit as I am constantly calling them and they have not been any help with getting this off of my credit