23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have owned homes since 2000. We have never had problems like we have had with PennyMac. 

We did not sign up with PennyMac. They " bought '' our mortgage from another company last year, soon after we bought our house. They have bungled the paperwork at every turn and exhibited a pattern of negligence throughout. 

1. Last year, they did not pay our taxes. We ended up paying out of pocket, instead of out of escrow. I see from the escrow records they sent the money SOMEWHERE, but it never arrived where it was supposed to ( XXXX XXXX XXXX XXXX ). 

2. Earlier this year, they suddenly said they were charging us for insurance, because we had no insurance company. We did, actually. When the bought the mortgage, THEY NEVER BOTHERED to contact the existing insurer and properly set up where the bill would be sent, again, to escrow. 

PS I would send the documents about the insurance mess, but PennyMac conveniently " wipes '' their message center over time, so you have no record of past disutes! I managed to save the PDF of one of those exchanges last year. 

This has NEVER HAPPENED BEFORE, ever, in 21 years of us being homeowners, and our mortgage was sold *four times* while we lived in Florida! 

3. So we come to now, and the reason for my panic. I got an email from them saying " No problem, we're paying your tax bill, it's all good '' and they said not to send them the tax bill. So when I got the XXXX XXXX tax bill : a ) It was for a different amount b ) It clearly said " send this to your lender '' c ) There was no indication on the bill they even knew who PennyMac was. 

( c ) is more frightening because the tax bill in Virginia ALWAYS said who the lender was, and actually said, don't worry about sending this to them, we've already done it. 

So in short, I've been abused enough. Someone needs to fix these problems once and for all. And just maybe, this is a PATTERN of abuse, that should actually be investigated. Are there other homeowners out there who aren't quite as vigilant, who are already in trouble with the local tax authorities, who are already paying double exorbitant insurance rates?
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen around XX/XX/2021. Someone used my information ( SSN, DoB etc. ) to apply for a loan to XXXX XXXX XXXX, located at XXXX XXXX XXXX. XXXX XXXX, MI XXXX. I live in the state of Washington and the credit union is located in the State of Michigan. XXXX does not provide out of state loans so they rejected the loan application. However they did conduct a hard inquiry into Transunion. I had not even heard of this credit union. This hard inquiry was reported and then I discovered that my identity was compromised. I called XXXX and informed them about the fraudulent activity. I requested them that they reach Transunion to delete the hard inquiry that refused to do so. 

I did freeze my credit with all the three credit bureaus. I filed a police report and report with the FTC. 

I tried to reach Transunion. It seems Transunion allows a dispute of a lot of information from your credit report EXCEPT the hard inquiry. There is no information on their website on how to get rid of the hard inquiry. 

It is totally unfair to me that ( 1 ) although XXXX rejected the loan because the address was out of town, they conducted a hard inquiry to damage my credit score and now refuse to correct their mistake. 
( 2 ) Transunion has no process online to allow consumers to dispute a hard inquiry. It seems they allow easy access for fraudulent activity but no on line process to corrective action.
Product: Debt collection

XXXX XXXX XXXX called me at XXXX XXXX on XX/XX/2017 from a deceptive phone number XXXX. They are not a local company to my area. As soon as I answered the phone a man started asking me why I had n't paid my payment arrangement. I asked who he was with and said that I have never made any payment arrangements with anyone for anything. I asked him what he was talking about and he said I had made payment arrangements and did n't pay them. He said I was on recording making those arrangements and I repeatedly told him that I have never made arrangements with anyone for anything because I did n't know what he was talking about. I asked him to send me a copy of the recording if what he was saying was true. He told me " No, I do n't have to ''. I then told him that under Federal law, he had to send me proof of anything he was claiming. He then told me that I did n't know what I was talking about and to shut my mouth. He said that I needed to pay my bills and to shut up and get off his phone. He then hung up on me. He was very verbally abusive to me and called while I was at work and would not agree to validate anything he was claiming.
Product: Credit card

I have had a Citibank credit card for 20 years and my credit history is perfect with a rating of over XXXX. Much to my surprise, my account was cancelled due to inactivity but I had no warning. I can reinstate, but have to go through the same process as a new card. I 'm VERY concerned about how an account closure will affect my credit as my husband and I are looking at real estate and I had a credit limit on this card at {$22000.00}. I understand they were n't making enough money from me, but how can they do this without advising the customer? What about my exceptional credit rating?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may treat a payment on a credit card account under a open end consumer credit plan as late for and purpose
Product: Credit card or prepaid card

I purchased clothing XXXX XXXX and applied & received credit card. I was told I would receive statement in the mail. I called in early XXXX and was told statement would be mailed XXXX. The person I spoke to had no info for me nor were they able to give me info regarding my payment balance due. I waited an extra week assuming it would arrive. To date I have not received a statement either by email, text or USPS. I began contacting Ann Taylor XXXX XXXX Comenity Bank on XX/XX/27 & XXXX I have used their chat, emailed, text, called every number I can find, and am getting the run around. Only Comenity Bank can help me XXXX  told. Everything I try refers me back to Comenity Bank. I went to their website to set up payment & because system is down, it wont allow me to. The banks system is down and has been down for a few days apparently. All I get are recordings telling me so. No matter which number I call, I get same recording. I have called several numbers, several times. When I find a number for XXXX, and speak to someone, they can not help me and refer me to same numbers. Cant does the same. They do not accept payments in their stores. I have no statement, do not know amount due or date payment is due, who to talk to, I have no address to make payment to and as I said, no one to help me or talk to. The only daily emails I receive are for Ann Taylor discounts & sales. I am deeply concerned that the banks lack of ethics & customer care/response will affect my good standing credit. I am upset, stressed & frustrated. I regret applying for this master credit card. It is the ALL rewards Master Card.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 Collection company unknown Account : XXXX {$150.00} XX/XX/XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA Federal XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 12 XXXX XXXX XXXX XXXX has violated my rights for the amount of {$770.00} and {$6600.00}.

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 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.
Product: Credit card

I have been working with capital one with my payments they advise as long as I make the payments they set up with me my account would stay positive. It currently shows I have a available balance but transaction was declined. I reached out to capital one and they advise that the account was restricted for nonpayment even tho they take out funds biweekly more than the minimum payment. The supervisor could n't explain and said sorry and hung up. This is the worst expierence ever.
Product: Debt collection

XXXX XXXX has sent a bill for services I never received to a collection agency ( DSG collect ). We have attempted to contact them to let them know that I never received any services for said debt.. After attempting to contact them XXXX times. We 've decided to file a complaint to settle this in a timely matter. and to get this of my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative which informed me my complaint was received via certified mail. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reported 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. 

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

I complained about LexisNexis providing fraudulent information not obtained by the current 3 credit bureaus and said information was provided to XXXX XXXX XXXX XXXX, they disputed two items on my behalf, one has been added to a current ongoing Class Action law suit being conducted by the CFPB on my behalf and the other regarding the fraudulent Judgement is currently under investigation by Legal Action. I received via US mail two copies of a unauthorized background check conducted by LexisNexis and provided to XXXX XXXX XXXX XXXX  which in turn they forward to me since no one requested this violation of my privacy. I was a victim of identity theft and they are reporting information they was deleted by all three credit bureaus, XXXX, XXXX, and XXXX. There are to addresses listed that I never resided at in this report they are openly displaying all of my personal information. The credit bureaus dont even do that, they block out the first five numbers if my social security number to protect my identity, my drivers license also is openly exposed subject to identity theft as well. They are listing three addresses I never resided at, 1. XXXX XXXX XXXX XXXX, XXXX, WI XXXX, 2. XXXX XXXX, XXXX, Florida XXXX with no street address. 3. XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX, which is the address to the XXXX XXXX. The report goes further exposing very private information regarding my personal property ( mortgage ), exposing phone numbers, email addresses, information regarding my vehicles purchased, insurance claims, and where I currently bank, including the miss spelling of my legal name which confirms indenting theft, this is clearly an egregious violation of my constitutional rights to privacy. This unauthorized investigation goes back more than 36 years. I am now a possible victim of identity theft again due to this violation and exposure of my personal information, this information now has been circulated to places that did not request nor were authorized to receive my very private information. 
I contacted LexisNexis about the unauthorized background check on me which is a violation of my constitutional right to my privacy. I was given the run around and no manager would take my call. I then asked the person by the name of XXXX how did LexisNexis get access to my drivers license number and social security number, which is not public information and she answered that they have ways of acquiring the information and I asked her how because that constitutes as identify theft, and a blatant violation of Federal Law.
Product: Checking or savings account

I have an issue with the bank Wells fargo because an account that I have with my son suddenly receive a deposit of XXXX dollars on Saturday XX/XX/XXXX and then immediately withdraw the next day. Then two days after another check for XXXX $ was deposited but rejected due to not having the funds available, as I noticed this problem because I received an email about funds being on hold. I called to ask about this problem since this was something that suddenly happen to the account, I just told that I would be forced to pay the now overdraft amount of XXXX $ because the previous XXXX $ check didnt go through even though either me or my son authorized the deposit. So I went to bank the next day and report that it is most likely a fraud because the check was deposited in a different state and that someone who didnt know was XXXX money, only to be told that if after the investigation they did shows that it was indeed a fraud would the account be cleared and the money that was originally be in the account be returned otherwise they are implying that my son was laundering money and I would have to pay the balance because I am the one who is charge of the account. They say that because apparently the deposit and money through the app with my sons account even though with their words the money was deposited in a different state at that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX ), SYNCB/CARE CREDIT, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ), SYNCB/CARE CREDIT, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there is an account with XXXX XXXX XXXX  showing. I haven't had XXXX XXXX credit card for over 10 years. This account is showing it opened in XX/XX/XXXX and I know for a fact I did not open an account with this company then. The one I did have was actually included in a very old Bankruptcy back in XX/XX/XXXX I believe. What I know for sure is this one showing XXXX is not one I opened, used or know anything about.
Product: Checking or savings account

My Account Was Closed Out Of Nowhere After I Just Received A Notice Saying My Account Was Still Active & Discrimination
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX  XXXX XXXX, WA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I want all the monies I ever tried to get back from cash app and they ignored it steadying happening and changing m card
Product: Money transfer, virtual currency, or money service

On XXXX I went to Chase bank at XXXX XXXX XXXX, to withdraw XXXX dollars. 
I was asked for my social security number which I refused to give. 
XXXX the teller was given a valid Ca.identifcation by me.He then called XXXX who also agreed that my social security number was needed. I called another branch ( XXXX XXXX ) and was given the managers name, so that I could report this negative experience, which was giving my full S.S number so that I could withdraw XXXX dollars. 
I was then in touch with XXXX XXXX on XXXX Who called me at home hours after having XXXX that same day. 
On XXXX I spoke to XXXX XXXX & explained my situation, I told him which bank I was going to this day, which was the XXXX XXXX. XXXX. 
I got to the bank around lunch time, thought I had done my business when the teller informed that my account was being closed so they wanted to do a reversal of my transaction. 
I was directed to banker XXXX I then called XXXX XXXX who wanted to talk to XXXX in a bit. 
I then asked to wait for XXXX the manager whom I have known for many years. 
XXXX then closed out my account, being totally freaked out. 
I have direct deposit & needed a check so I could pay my rent. 
I am a XXXX year old woman that did not need to have almost 5 thousand dollars on her person when leaving this bank. 
When I got home I called XXXX XXXX about what was going on he informed me that I was in an altercation at the XXXX XXXX XXXX branch. 
That is not true & why didnt XXXX XXXX inform me of this before I went to this branch, now I know why he wanted to whether I was going to XXXX XXXX branch or the XXXX XXXX XXXX. 
I am shocked at this behavior as XXXX XXXX knew about my XXXX a week ago. 
XXXX XXXX could have shown dignity as well as empathy. 
I have no qualms transferring to a new bank but not to have been sent a letter or told that my account was being closed to avoid checks being returned & my social security checks which are direct deposited This was a terrible experience & I hope no other senior faces this total lack of service &  demeaning experience I am a XXXX Year old XXXX woman & I believe the police would have been called if I was in a active altercation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I had XXXX defaulted private student loans. I have attempted to correct the issue with the business, but they have continually refused to speak with me since I live out of state. My father had cosigned on the loan and he is now against major legal action and he is scared to death ... I have attempted to work with the creditor, the court and various attorneys to correct this issue, but there is no one who is willing, or able, to help. I feel I am finally in a good financial place, but I am unable to work with this organization because they continue to refuse to speak with me. Because I do not have a legal background, I was n't able to defend myself properly, even though I did give it the best shot I could. I attempted to file a motion to dismiss with the court, but unfortunately it was denied. Again, I am willing to work on the issue with the creditor and have attempted in a variety of ways, but they have refused to work with me since they are filing their lawsuits in XXXX while I reside in XXXX. Attached are the requests I made to have the cases dismissed. The court denied both requests. Thank you.
Product: Credit reporting or other personal consumer reports

There are several things on my credit report that are way beyond seven years old. For instance, there is a store card that was open in XXXX without my consent and it was closed two years later with no balance and no charges. That account was from XXXX. Closed in XXXX. It is now XXXX and for some reason they are putting it on my report again. These abuses are not minor. In addition, I am a participant in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are not supposed to be using my home address on my credit report. Yet they continue to do so, despite being sent a letter from the state of California telling them theyre not allowed to do this. The department of motor vehicles, the department of health and human services, even the social services officers have to use my safe at home address. This protect my family. These people are literally putting my family at risk, and they have not resolved this issue.
Product: Checking or savings account

Case # XXXX was erroneously closed. This case is not resolved, as I am still waiting for disbursement of funds from Huntington Bank.
Product: Checking or savings account

I am trying to locate a C D and Money Market Account for my decreased mother, and my joint Bank America Account. 
The last statement I received was XX/XX/2007, from Bank Of America on XXXX XXXX and XXXX XXXX. XXXX, Georgia. 

I closed out her checking account with an Bank Of America Account Manager, after her death in 2007, and was not told about the CD or Money Market accounts. I have been going through old statement in my garage, and run across evidence of the CD and Money Market accounts. 
I contacted the local branch that my mother banked with, and was told that the account was too old to track, and was given the State unclaimed phone number. I contacted Unclaimed Property, and was told that if any funds reported they would still have the record. They confirmed no records found. 
Bank Of America have not been able to confirm with me what happened to the account or revenue. 

They have directed me to several Bank Of America Departments, including Estate Operations, and Escheated department, who stated that they have no record of the account being reported to their system, and if the account was closed it would have been procedure for them to have record of it. XXXX Escalated to a supervisor ) no results found. 
I was redirected again to Georgia unclaimed Property Internal Revenue, dor.georgia.gov. that they should have the records. As previously stated when I contacted Georgia Unclaimed Property I was informed that no such accounts have been reported under my Mother 's name, account numbers, social security number or mine and no evidence, of any such account being reported. I am filing this report with your office, looking for a resolution. 

Respectfully Thanks in advance for your help.