23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We spoke with PennyMac in XX/XX/XXXX to let them know we were interested in refinancing our mortgage loan. PennyMac scheduled an appointment for us to close on XX/XX/XXXX. However, the notary never showed up, but called us to let us know that PennyMac never forwarded them the necessary documents. We contacted XXXX XXXX XXXX XXXX tge PennyMac loan officer to let him know. He rescheduled a new closing date to XX/XX/XXXX. We signed all of the necessary documents on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX, the called us to confirm that all was good. On XX/XX/XXXX, XXXX XXXX contacted us to let us know we needed a new payoff letter thru XXXX from XXXX XXXX XXXX XXXX and that we needed to sign new documents. He scheduled a new closing date to XX/XX/XXXX. Here it is XX/XX/XXXX and no notary showed up and no phone call from XXXX XXXX. We called XXXX XXXX again, but he has no answer for us as to why the notary did not show or why they dropped the ball on us again. We also contacted PennyMac 's 800 number on XX/XX/XXXX, but no one seems to be able to provide any answers for us nor want to resolve the issue we keep having.
Product: Credit reporting or other personal consumer reports

These inquiries appear to have been made without my authorization and may be fraudulent. Please address this matter immediately, referring to the attached documents for clarification.
Product: Credit reporting or other personal consumer reports

I monitored my Transunion credit report and recognize an account that i did not authorize to open. The account name e is XXXX XXXX account number XXXX open on XX/XX/year> in the amount of {$12000.00}. This is clearly a fraud account and i contacted XXXX XXXX, and they did their investigation and XXXX XXXX determine it was fraud/ letter attached with police report, identity theft report and copy of my ID and Social Card .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on US DEPT VETS XXXX, US DEPT VETS XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. The accounts were reported as charge off " open '' with balance. High credit balance, if its different with other credit bureaus, where are these numbers come from? Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Mortgage

Called Carrington mortgage about reserve requirements for escrow. The company refused to remove reserve requirement on account. Im requesting refund on cash reserve.
Product: Credit reporting or other personal consumer reports

I noticed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on my Equifax report is inconsistent which fails to meet the Fair Credit Reporting Act requirements. The date of first delinquency, the payment history, and the date assigned are all inaccurate. I request Equifax update this information so that this account can be correct, accurate, and complete and I request Equifax send me the information they used to update this information. If Equifax is unable to update this account to be correct, accurate, and complete, I request Equifax to remove the account from my Equifax credit report.
Product: Bank account or service

I wanted to open a savings account with my bank that i have bank with sine  XXXX  of  XXXX  i was told that i was unable to open an account due to having an {$11.00} charge off. The representative  from Citizens ban k stated he did not who it was due to however could transfer me to a different department who could give me more information. The representative transferred me  XXXX . I spoke to  XXXX  at that number, at first he stated he did not see anything under my name and social security number that was showing being owed/ After i explained what the previous representative had stated to me  XXXX  was able to locate the {$11.00} charge off. He stated it was due to Citizens from an account i had from  XXXX . He stated that it was pasted the statue and that Citizen had given up on trying to collect the balance. I asked  XXXX  as this  14 years old a nd pass statue to collect if i had any other options than to pay it so i could open up a savings account,  XXXX  did not answer my question. I feel i was forced to pay something that was pass statue to collect just so i would opening a savings account. If i had know about this outstanding amount before I would have paid it. I have been banking with Citizens since  XXXX  of  XXXX  and have always had the same account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent notice to Equifax about items that I have identified on my credit report that are the result of identity theft. I sent a copy of the FTC report identifying each item, my ID, proof of residency and a letter further identifying these fraudulent accounts and inquiries as well. Tracking confirms that Equifax received these documents on XX/XX/2023. XXXX  is XX/XX/XXXX. These items should have been removed by XX/XX/XXXX but they are still on my credit report. I have provided all of the required documents and I will include the tracking details in the attachment section.
Product: Credit reporting or other personal consumer reports

My information was part of the data breech I my cards and other accounts started showing money received by XXXX that I never received or wasnt familiar with the senders name so my account got closed and my to credit cards started showing purchases that either used a pin that my account was stripped leaving a negative with my credit union and bank
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I added XXXX XXXX XXXX XXXX to my Chase account for the propose of transferring money from XXXX to Chase. Both accounts on my name. I received email confirmation that account was added and available for transfers. I submitted a {$9000.00} transfer, initiated by Chase, from XXXX to Chase. Shortly after I submitted the transfer I received a call from Chase Fraud prevention, the lady on the phone verified my information, and then advised that transfer was rejected, on my question by which bank and for what reason she was not able to provide any information not how to obtain such information, I requested to speak to the supervisor. Account Supervisor XXXX advised me that transfer was rejected due to Chase was not able to verify my information with XXXX, when I asked if they contacted my XXXX bank, he said yes, however XXXX refused to provide information by which means Chase contacted XXXX ( there should be at least XXXX means/ways for the bank contacts in order to verify information ), XXXX also advised me not to submit such transfer again as it will get rejected. Upon request of an official letter from the bank that transfer was rejected and the reason why, I was advised by XXXX that they do not provide such letters. Chase has restricted the usage of my account by rejecting the transfer and refused to provide any official documentation on such action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified.You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, your claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that you remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report. 
Below is a summary of the data in which I am challenging :
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the credit bureau ( XXXX ) about these inquiries on my credit report being unauthorized and unverified. I was told they are required by law to not remove that information. Here are the list of inquiries I informed them about. 

Synchrony Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

DITECH I am having serious problems with the servicer of my home equity line of credit. The loan was originated by XXXX XXXX XXXX ( a predator lender ) then assumed by XXXX XXXX XXXX then sold to Green Tree now known as DITECH I have had repeated problems with Green Tree/ Ditech . such as : 1 having my monthly payment applied to the wrong account. 
2.holding the amount I paid extra with my monthly payment in an escrow account to be applied toward next month 's interest. **It should have gone to reduce principle. 
3.confusion and lies in addressing my latest concerns, due date change, loan modification or ReFi. 

Ditech is reporting me over thirty days late with my payment for XX/XX/XXXX. 
My payments are due on the XXXX of the month. So I pay the XXXX of the month only3 days later. Each month I send extra for the 3 to 4 day delay and verify it on the next statement When I saw my credit bureau, I forwarded a copy of each monthly payment debited from my bank account for XX/XX/2016. to Ditech I called a couple days later to discuss and get the error corrected. The gentleman I spoke with was having difficulty and asked his supervisor for help. 

Supervisor XXXX asked me " And what is your question ... ''? I guess she had n't been briefed so I explained again. She responded in a very harsh tone " Well you 've been over 30 three times ... ''. I was astonished, thanked her and concluded the conversation. With that attitude I was n't going to get anything resolved. 
I called two mores times the next week and got promises " you will see the correction in XX/XX/XXXX '' or " you 'll get a call back '' So who was I to it write to. Ditech, s president, XXXX XXXX is gone, resigned or fired. The parent company, XXXX XXXX, XXXX XXXX, CEO is working to downsize the company to make it more " efficient ''. 
What happened to providing effective customer service for the accounts they have. The staff is rude and confused. This is clearly not happening and needs oversight by a Regulatory Agency. 

My loan is due to reset to higher payments, no one knows when. I did the math. A higher payment I can not afford and sill cause me to default. I asked Ditech 's loan modification specialist, XXXX to please call me so I could apply. To date I have not received a return call from Ditech.
Product: Credit reporting or other personal consumer reports

I was looking through my credit report and noticed there was hard inquiries that do not belong to me.
Product: Credit card or prepaid card

I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault. This situation is causing me a great deal of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no clue what's going on so I have no choice but to file a complaint. XX/XX/XXXX, XX/XX/XXXX, and Experian have received my disputes XXXX2020 and still have not been able to give me my dispute results. Today is XXXX20 This is almost 2 months with no response. I found a ridiculous number on inaccuracies and misleading information that's making it hard to get credit. I found that the bureaus are in violation of the Fair Credit Reporting Act. I, the consumer have rights that are being violated under the FDCPA as well. The bureaus have 30 days to investigate pursuant 15 USC 1681i and failure to do so means these items should be promptly deleted. You are also in violation of my CONSUMER rights to privacy pursuant 15 USC 1692b. These violations make me think you have been practicing unfairly this entire time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that proof of the alleged debt, nor therefore any such debt in fact exists.
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Account : XXXX XXXX Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit card

I am a victim of identity theft and credit card fraud. The account from XXXX XXXX for {$1200.00} back in 2008 was not opened by me. Also, the account with MIDLAND FUNDING MIDLAND CREDIT MANAGEMENT INC for XXXX in the amount of {$2200.00} was confirmed by the creditor that they closed this account, no longer collecting ( pls see attached letter ) and notified XXXX, XXXX and XXXX to DELETE this account on my credit report. It has been 3 months since then and it is still in my credit report. I want it DELETED.
Product: Money transfer, virtual currency, or money service

Paypal has been lying to me about a account of mines they've closed down and never returned my money on the account. They said they hold the account for about 180 days which ended this past XXXX and then closed my account and said legally they do not have to give a reason ... Sounds fishy
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

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

I set up an account with Experian in XX/XX/XXXX. In XX/XX/XXXX, I received an email from the company saying that my email had been changed. I had not requested this so I tried to log back into my online account. When I could not do this, I emailed Experian to explain that someone had fraudulently accessed my online account. They locked my account and told me to either mail or FAX identity proof to them. I faxed them the proof but never received confirmation of receipt of the FAX nor of my account being rectified. I have tried to call them numerous times, but ended up going through their automated menus and being hung up on. Today I was able to get someone on the phone who said they could change my email address. However, when I tried to sign back in, I was rerouted to an offer, and then when I tried to complete that " purchase '' the website threw an error. This happened several times. It gave me a number to call. When I called it, it was the same automated menus. I could continue to email and send mail, but there is no confirmation that it works.
Product: Checking or savings account

This complaint is focused on fraudulent access and activity via my online banking account. Money was fraudulently transferred from shared savings account into my secondary checking account on Friday, XX/XX/2022. I received a call from a number that appeared as Bank of America on my phone saying that there was a large transaction trying to take place from XXXX, Texas. While on the phone, they sent me a text for verification just as BofA does. During the time I was on the phone, a new payee was created in the name of XXXX XXXX person unknown to me ) via my XXXX and {$3500.00} was then XXXX transferred to this unknown person. As this was happening and while I was on the same call, I received email messages from " Online Transfers from Bank of AmericaXXXX regarding activity on my account '' stating that a " XXXX XXXX has been added to your list of payees in Online Banking '' and then one that said my transfer to XXXX XXXX in the amount of {$8000.00} was submitted and then one that said it was successfully completed. This person is also unknown to me and I did not authorization adding this person as a payee nor did I authorize {$8000.00} to be transferred via Wire Type : Book Out ( BofA notation -- the BofA representative that my mother met with as she is the shared person on the savings account and therefore also compromised so she went into the BofA banking center on several occasions had no idea what Wire Type : Book Out was and had to look it up ). 

At that very moment the {$11000.00} was gone from my account without my authorization. The {$6000.00} from savings that was fraudulently transferred into the checking + the {$3500.00} fraudulent XXXX transfer + the {$8000.00} fraudulent wire transfer = {$11000.00} stolen. 

Once I realized the monies had been stolen, I was left on hold, bounced from one person to another, from one Fraud department to another and back again over and over again from Friday to Sunday. Finally on Monday when I found someone to help me after being on the phone for 3 hours and 45 minutes, his supervisor stopped him from helping me because it was " outside of his job ''. This was after he had to call me back because they are only allowed to be on one call for a specific amount of time. I was told on more than one occasion throughout Friday - Tuesday that our call had taken up the allotted time and that someone would call me back or that I'd need to be transferred, thereby starting the cycle again. 

I am submitting this complaint to you because until XX/XX/XXXX I could not be assured that fraudulent activity had been properly addressed and a claim filed. No one, in 5 days of phone calls, hours and hours could/would help me. 

If my Bank of America accounts are reviewed one can see the many many times I tried to get help from Bank of America Fraud Departments. 

Thus, I am submitting this complaint because Bank of American does not have a fraud department that operates efficiently, and I left wondering if my accounts are secure and if I will ever get our money back.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Hello, This company XXXX XXXX XXXX are continuing to attempt to collect a debt that I am not liable for. I have attempted to rectify this problem thru the bureaus but they are still reporting and continuing to report negatively toward my credit. have attached a letter from the Assistant Manager of the apartments that show that I left out of my lease with no balance attached to me. I lived in the apartments from XXXX. I paid rent on time and never missed a payment. 

When I moved out I left without owing any debt and no responsibility was due to me with the apartments yet the collection XXXX XXXX is reporting to my credit that I owe a balance of {$2500.00}. 

I a not liable for this debt as I have expressed several times so therefore I do need to make a formal complaint.
Product: Debt collection

While applying for a home loan I discovered that I had a collection reporting from a Zion debt which i did not recognize so I contacted the company to see who they were and when I had an agreement with them and for what services ; and I was only transferred and kept on hold. I have tried for days to get this resolved with the company so that I can move forward with my home purchase but I am not getting a response from them anymore. 
I believe that is account is due to fraud ( which also happened around the time this account was opened ) and would like for it to be removed form all of my credit files. 
This is causing my credit to be adversely affected and preventing me from obtaining a home loan to purchase my home.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth:XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX # XXXX Opened on XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Opened on XX/XX/XXXX Account Name : XXXX  XXXX Bankruptcy # XXXX - Opened XX/XX/XXXX Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.