23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to address significant inaccuracies in the information reported by your agency. As a consumer, I am alarmed by the blatant negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, you are obligated to provide a full description of the reinvestigation procedure used to verify these disputed items, including the business name, address, and contact number of any furnisher of the disputed information. You are hereby given XXXX  days to respond with the requested information. Failure to comply with this demand will result in further action, as permitted by law. Despite my prior communication, which clearly stated that I am a victim of identity theft, and despite my FTC report ( enclosed ), your agency has failed to block and remove the disputed items from my credit report within the XXXX business days mandated under 15 U.S.C. 1681c-2 ( c ) ( a ). This continued reporting is not only misleading but is a clear violation of the FCRA, and I demand immediate corrective action. 

Below are the disputed accounts that remain improperly listed on my credit report : XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Portfolio and the credit bureaus XXXX XXXX, XXXX and XXXX  XXXX seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not align with the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not so much as received a copy of the dunning letter that they should have sent me when they began attempting to collect on the debt. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports. See attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a recurrent issue with getting a resolution regarding the inquiries on my credit report with the Experian credit bureau. I have sent a notarized letter and have spoke with representatives on several occasions. There are hard inquiries on my credit report that I did not authorize and not aware of the company at all. The credit bureau has failed to properly investigate this issue and has sent me a generic letter stating that the inquiries are accurate but they have failed to send me proof of the accuracy. The inquiries that have been disputed and not resolved are the following :  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX , and   XXXX     XXXX . I appreciate CFPB looking into this matter further.     Best Regards,  XXXX   XXXX
Product: Checking or savings account

On XX/XX/XXXX I realized I was unable to access my account via XXXX XXXX XXXX 

I sent an email per the instructions on XXXX XXXX  website to reinstate my account and requested the same via telephone call. 

" XXXX ; XXXX Hi team! 

I spoke to XXXX and I want to take out my Money Market account out of dormancy status. 
I tried opening the XXXX XXXX site but my money market account isn't listed and it is because my account is marked as dormant. 

Could I please access my account? I need to generate a statement from this bank for this account for mortgage application purposes. 

Thanks, XXXX Dear XXXX, We are in receipt of your instructions for your Money Market account. Please be advised that a Client Services representative will be reaching out to you on or before the maturity to assist with the final steps. 



In the meantime, if you require any additional information, please feel free to visit our website for additional information at XXXX XXXX XXXX  Call us at ( XXXX ) XXXX and our Client Services team is available to answer any questions. 



Thank you for choosing XXXX. We appreciate your business and are here to help with any of your future banking needs. 

" It's been over 5 days and I am still unable to access my account with no ETA provided on how I can withdraw my money, close my account, or access my account.
Product: Mortgage

I called Pennymac several times to discuss options for my mortgage as I am currently on medical XXXX for a health issue and not receiving any income. On the last phone call, the representative said that I qualify for a plan for $ XXXX for 4 months, through XX/XX/year>. He explained that the monthly payment would be pushed back until XX/XX/XXXX with no fees and my account would still be considered current and " pays as agreed '' since the agreed upon amount would be $ XXXX. I wanted to research this and see the details in writing but he said this was a limited option and I had to take advantage now and he was very pushy, saying that this offer would not be available again if I called back, so I accepted. He guaranteed me I would receive the details in writing right away but I NEVER did. I did not make a payment that month because that's what we agreed. He also stated that in XXXX I would have the option to resume payments as normal ( normal amount ) and have the missed payments bundled at the end of the loan ( which is still XXXX years from now ). After that, I received XXXX correspondence or communication in writing or otherwise, and my account online was blocked. When I log in, I just get the moving circle over the payment area so I can not see what was due or when the last payment was made. The notifications simply say " see Statements & Documents '' but everything there only has a headline and when I click on any thing on the page it says " failure to load PDF. '' I have called Pennymac back multiple times and go through automated message loops unable to reach a human being. There is now a notification on my online account that says " delinquent '' which is 100 % contrary to the plan I agreed to and I can't even open it to see what it says. When I finally got a person on the line they said that my account will have late fees and the 4 months will be due at the same time, on XX/XX/XXXX, which is just impossible if I'm in the XXXX  not working, and that doesn't make sense at all and is absolutely not what was discussed when I agreed to this. I assume phone calls are recorded so you can easily go back and listen to how that is absolutely not what the previous rep told me on the phone. I want this fixed and my account marked as current because I am following the agreed upon terms. If you look I have a XXXX spotless credit history and it should not be tarnished by Pennymac 's incompetence.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. 
These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Student loan

I am a victim of identity theft ; someone that I know stole my name and social security number and used me as a cosigner, without my authorization, to get a XXXX XXXX student loan. I took all of the necessary and required steps to report this fraud to Navient who now manages the loan. The investigator in the Navient Fraud Department assigned to my case is named XXXX. She is in a position to determine whether a loan now worth nearly {$25000.00} - fraudulently attached to my name - is to be removed from my record ; she has been dishonest and incompetent. She made the decision to deny my fraud claim without ever contacting me even once to discuss any of the evidence or circumstances involved in the case. 
I called her today ( Thursday XX/XX/XXXX XXXX XXXX ) and many of the things that she told me on the phone made it clear that she has not reviewed or considered many of the facts of this case. For example, she told me that all of the information on the loan application form was accurate, when this is obviously and demonstrably false : the phone number, e-mail, and employment information given on the form are all falsified. When I pointed this out to her, she would not address it. She said to me " I called the number of your employer listed on the loan application form, and I got a voicemail greeting with your name. '' This is not only false, but impossible. Not only have I had no professional affiliation with that employer XX/XX/XXXX, but when I did work for them, I was XXXX, and I never had a phone number or voicemail linked to their company. What she said was a complete lie. 
The person who stole my identity also opened a loan with another bank. That bank investigated the fraud, determined it was valid, and ruled in my favor ; they removed me from the account. When I tried to present this fact to XXXX as evidence that there is an obvious precedent for the fraud perpetrated against me by the borrower, she told me that this was irrelevant to the case. 
When I told her that I had incriminating text messages from the perpetrator of the crime in which he indicates that he has indeed committed fraud against me, XXXX told me that this was also irrelevant and would not effect her decision. 
When I asked her specifically whether, in her expert opinion, the signature on the loan application form in any way resembles any of the multitude of signature examples that I submitted to her, she again implied that this was irrelevant. 
Her justification for disregarding all of these things was because 1. I did not report the fraud immediately once I discovered it, and 2. I both made and received phone calls with the lender discussing the status of the loan and the payment history of the loan before reporting the fraud. Neither of these things provide any legal standing for her to deny my fraud claim and to not investigate it properly. 
I feel that this person, XXXX, is not competent to investigate my case, and I feel that these things should be reported and addressed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is selling information to XXXX and Equifax that is inaccurate. There are several late payments that concern me. I have equitable interest in my financial asset which is the contract. Therefore I can not be late when the interest every month should settle the balance due. XXXX and Equifax are then taking the information and damaging my consumer reports with this information which is causing me harm. Any open ended consumer credit plan can not be late.
Product: Debt collection

Received notice that a collection was added to my credit files. Per collection, payday loan was made in XXXX online. NOT accurate. I have been fighting ID theft for some time now ( See attached ). Ad Astra claims {$4100.00} is 180 days late from a Speedy Cash online loan ( how can it be {$4100.00} when their limit is {$500.00} ). I did NOT make such a loan request. Originally was told I was XXXX XXXX. Have now learned it was Speedy Cash.
Product: Mortgage

5th 3rd Bank bought the servicing rights to my loan early last year ( XX/XX/18 ). I was informed in writing that nothing else would change with the servicing of my mortgage loan. The prior servicer, XXXX, provided me with a written document of my escrow balance and the payments for the year prior to the sale. 5th 3rd should have received all this documentation during their purchase of servicing rights. 

To my chagrin, I found out in XXXX that 5th 3rd had not paid my flood insurance premium in XXXX ( $ XXXX/yr ) even it was clearly part of the escrow balance documents. The way I found out about their error was that they called me in XXXX telling me it had lapsed. My discussion with them was that it shouldn't have been missed since it was their responsibility as the servicer to assure the escrow was properly handled. I immediately called my insurance company ( XXXX ) to find out what could be done. 

During my conversation with my XXXX, they told me that my area had been re-rated by FEMA.. Because of the re-rating, I wasn't required to have flood coverage anymore and they provided me with the documentation. XXXX also told me that if I wanted to keep flood insurance my rate would drop to $ XXXX/yr. So I called 5th 3rd back told them that I didn't want the flood coverage anymore since it wasn't required and provided the documentation of FEMA 's re-rating. They then sent me a letter saying that they instituted flood coverage and the bill would be $ XXXX/Yr! 

I have been diligent with dealing with 5th 3rd to resolve this issue, but they have not done so. I have all the documentation regarding this issue and provided those documents to 5th 3rd. They failed to service my mortgage escrow properly by not making the flood premium payment for 4 months and then they try to charge me $ XXXX/yr even though I am not required to have it anymore. Furthermore, I have told them that I did not want to have flood coverage anymore.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in XXXX to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 15 U.S.C. 1681e ( b ) ). XXXX XXXX XXXX XXXX XXXX reporting the repossession /Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score and the statute of limitations for reporting a repossession /Charge Off is XXXX years from the date of the delinquency leading to the repossession ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this Repossession/ Charge off multiple times does not extend this statute and is therefore improper. I request that you prompty investigate this account and correct the inaccurate removing the repeated entries of the repossession from my payment history. Please correct credit report accordingly and provide me with a confirmation of these corrections. thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XX/XX/year> XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

In XX/XX/XXXX, I received a bill that my future bill will be higher. I reached out to MGC. They paid the taxes again, we made a payment at the end of XXXX. MGC begin making payments in XXXX on our taxes. We filed a complaint last year regarding the same thing. Complaint # XXXX Our bill should be {$330.00} monthly. Each month, they send a different amount. The last certified mail XX/XX/XXXX was for {$1300.00} for XXXX & XX/XX/XXXX. 

XXXX XXXX email MGC mortgage copy receipts for the taxes we paid. Told it would take XXXX business days. 
Follow-up - No request was submitted by MGC had to resubmit and wait another XXXX business days. 
XXXX XXXX receiving calls from MGC regarding delinquent account. Ask about request, they were able to confirm we paid our taxes. 
I was told by representative a refund request from XXXX XXXX was placed. Once they receive payment they will be able to adjust to correct payment. 
XX/XX/XXXX, XXXX Received another certified letter from MGC/ several calls. 
I called a spoke with representative who stated she doesn't she a refund. I still own the balance. I believe they did not submit a request to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have previously notified XXXX XXXX of the identity theft via the Consumer Financial Protection Bureau and have now contacted an attorney, XXXX XXXX, who told me to submit this last claim before filing a lawsuit against the bank. XXXX XXXX opened a credit card in my name and sent it to an address I have no association with. I did not live, work, or have any association with the address they sent the credit card to and I do not know who they sent the credit card to. XXXX claims they opened an investigation however I doubt the truth in their statement given the results of the " investigation ''. XXXX claimed in their response to the Consumer Financial Protection Bureau that I had personally called and verified my account information and that I had gone into a XXXX Branch and shown my ID. This is 100 % false and never happened. Obviously if I had gone into a branch there would be a record, including surveillance video of me in the branch. I challenge XXXX to prove to the Consumer Financial Protection Bureau that I ever stepped into a branch and showed ID or that I ever called them. The phone number they called and/or were called from is not my number, never has been my number and is not even a working number ( I 've tried calling it and it is disconnected ). I have had the same phone number for over 10 years. I never contacted XXXX from my number and I never went into a branch. I have literally never been into a XXXX branch in my life. XXXX is attempting to extort me for a debt I do not owe. I am again attaching a copy of my lease showing I did not live at the address they sent the card to, as well as a copy of the FTC report my attorney advised me to file. In addition I am attaching the response from XXXX in which they claimed that I visited a branch ( a lie ) and that I called in ( also a lie ). If someone called into the bank to verify information it was probably the thief they sent the card to! There were multiple accounts opened in my name, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, etc. XXXX XXXX is the ONLY bank that has not done a real investigation and who provided me with demonstrably false information. Their lack of due diligence has cause me financial harm that I intend on recouping from them if this is not solved. The credit reporting agencies in the complaint ( Equifax and XXXX ) and thusfar not done any sort of actual investigation either and have taken XXXX XXXX at their word and continue to report false, negative and harmful information about me to creditors. This will be the last complaint I file, the next step will be to file suit.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to my credit report, which I recently obtained and noticed several errors that require your immediate attention. 

Firstly, the previous addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both located in XXXX, MD XXXX, do not belong to me. I request that you remove these addresses from my credit report as soon as possible. 

Secondly, the employer listed under my account number as US Dept of Education and US Department of are incorrect. I do not work for either of these organizations and request that you delete them immediately from my report. 

Thirdly, I noticed that the account number XXXXXXXX XXXX XXXX XXXX has been reported as updated when nothing has been changed. I urge you to remove the incorrect late payments from this account as soon as possible. 

Fourthly, the account number XXXX XXXX XXXX XXXXXXXX does not belong to me, and I request that you remove this inaccurate information from my credit report immediately. 

Fifthly, the name listed under my account number as XXXX XXXX XXXX belongs to someone else. I request that you delete this name from my report immediately. 

Sixthly, the previous address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX is listed twice under different account numbers. This address does not belong to me, and I request that you remove it from my credit report immediately. 

Seventhly, the inquiry from XXXX on XX/XX/XXXX has reached the statute of limitation, and I request that you remove this inquiry from my credit report. 

Finally, the account number XXXXXXXX XXXX XXXX XXXX XXXX has been reported as updated when nothing has been changed. I urge you to remove the incorrect late payments from this account as soon as possible. 

I appreciate your attention to these errors and request that you take the necessary actions to correct my credit report as soon as possible. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX