23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PennyMac continues to knowingly engage in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower requesting a loan modification. 

PennyMac received within 37 days prior to the scheduled foreclosure sale of XX/XX/XXXX, a completed application with supporting documents. 

Penny acknowledged receipt and never provide any missing documents letter to date.

PennyMac is claiming that they stopped the foreclosures sale of XX/XX/XXXX, to review the mortgage assistance application. This is totally false. PennyMac played no role or part in stopping the sale of XX/XX/XXXX. 

I confirmed, the Sheriffs office received " NOTHING '' in writing from PennyMac or its legal representative to stop the foreclosures sale of XX/XX/XXXX. The Sheriffs office has no written records of PennyMac making any efforts to stop the foreclosure sale of of XX/XX/XXXX. 

I personally had to go to the Sheriffs Office on XX/XX/XXXX, in order to make the request to adjourn the foreclosure sale and have attached proof of my efforts. 

The attached letter from the Sheriff 's Office confirms, I stopped the sale of XX/XX/XXXX and not PennyMac or it's legal representatives Therefore, PennyMac is still engaging in the prohibited practice of dual tracking and never properly reviewed my mortgage assistance application, which was sent to them on two separate occasions and prior to the 37 days prior to the scheduled foreclosure sale of XX/XX/XXXX, and new foreclosure sale date of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Fraudulent Accounts and Unauthorized Inquiries Identity Theft I discovered fraudulent accounts and unauthorized inquiries on my credit report, which are the result of identity theft. These accounts and inquiries are harming my credit and do not belong to me. Despite providing supporting documentation, including an FTC Identity Theft Report and a police report, the credit reporting agency has failed to remove the fraudulent information in violation of the Fair Credit Reporting Act ( FCRA ) Section 605B. 

Details of the Fraudulent Information : Fraudulent Accounts : XXXX XXXX Account # XXXX, {$500.00} reported balance XXXX XXXX XXXX XXXX {$1100.00} reported balance Unauthorized Inquiries : [ List the unauthorized inquiries as shown in your letter. ] I have formally disputed this information with the credit reporting agency and provided all necessary documentation. I requested that the fraudulent accounts and inquiries be blocked and removed from my credit report within four business days, as required under the FCRA. However, the agency has failed to act or provide a valid explanation for their inaction.

Requested Resolution : I demand the immediate removal of the fraudulent accounts and all unauthorized inquiries from my credit report. I expect the credit reporting agency to comply with the FCRA and confirm the resolution of this issue in writing.
Product: Credit card or prepaid card

I filed an dispute with XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-2017. Advised, XXXX XXXX XXXX to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised XXXX XXXX XXXX that they are allotted 30 days to provide disputed results to me. Never received correspondence from XXXX XXXX XXXX.
Product: Debt collection

Leased a XXXX vacuum back in XX/XX/2024, requested a cancellation of the contract due to not being able to afford the product anymore and not being able to even use the product due to them not sending out the proper equipment needed in XX/XX/2024, payment were not scheduled to start until XXXX XXXX they are refusing the cancel the policy and saying this will impact my credit and will also be getting late fees for each month i do not pay. 
Also did not receive documents from PCI ( preferred credit inc ) that this will go towards my credit if not paid, until after i submitted the notice for cancellation End of XX/XX/2024 2024
Product: Debt collection

We resolved a dispute in XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 2013. This is a fraudulent attempt to reinstate a debt.
Product: Debt collection

They do not provide company information and sound fishy. Have contacted facebook friends and family..extended family and personal friends. This is against the law!! These calls need to stop. They mention my home address to everyone. This is scary!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had erroneous reports on some accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. The staus must be fixed for the accounts : US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00}
Product: Credit reporting or other personal consumer reports

They " subscribed '' me to their premium service for {$26.00}, and they have been charging my credit card that was never given to them. It is so sneaky that they are misusing the information they " hold '' to their benefit. When I called to cancel the service that was never subscribed to, they told me that I viewed credit reports from three bureaus and that they " automatically '' upgraded my membership. It is completely unethical and sneaky. When I called them immediately after the charge appeared on my credit card for the 4th time ( all the other 3 times I did not even realize that they were charging me ) they declined to cancel and refund the amounts charged 4 times but only avoid charging in the future. They have my credit card on my account that I never gave them. It does not even allow me to remove.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opted sign up for Discover Card 's at 0 % APR promotion which expires on XX/XX/2017. I recently reviewed my monthly statement and online account details to find out the expiry date for the promotion because I could n't recall the date. I found that the promotion expiry is not shown anywhere that the consumer can view : not on the statement and not online. After contacting Discover through their chat function tonight, I was informed that the only way to find out is by contacting Discover. This was really upsetting to me because the only reason Discover would choose to do this is to deceive customer by not disclosing this vital information. When I stated my dislike for the policy I was told that Discover complies with all the requirements in informing the consumer. If that is the case, I suggest an investigation be conducted to see how many consumers have unknowingly had promotional periods lapse only to be hit by usurious rates of 25 % afterwards. 

This is likely a violation of Federal Trade Commission Act Section 5. Deceptive Acts or Practices : An act or practice is deceptive where A representation, omission, or practice misleads or is likely to mislead the consumer ; A consumer 's interpretation of the representation, omission, or practice is considered reasonable under the circumstances ; and The misleading representation, omission, or practice is material. This policy is likely also a violation of Regulation AA. 

I have not suffered monetary damages yet as a result of the unscrupulous policy by Discover, but am concerned that many others have likely have unwittingly lost a lot of money.
Product: Credit card

I submitted valid and up-to-date information after my Discover It Card verification process. Much later, I received an email about possible account deactivation, stating that the information I was presumed to be incomplete, illegible, or invalid. I have been waiting to receive my card in the mail after having this card on file for months. 

After an email stating they " were unable to verify personal information on your account, '' Discover closed my account without further notice. Now, I am ineligible to apply for a new Discover IT or Discover credit card after talking to three different customer service and account support, and from what I was told, even with my reasoning, I am now being excluded from reapplying and being accepted in the future for a Discover Card for which I was previously accepted. Even though I paid off the card before each due date and correctly used it, overall, it increased my credit score. From what I had been told, this error was address-related. This is likely regarding me moving over the summer for work, as I had changed the address on the account. I even submitted the correct form verification I was sent, yet my account was still deactivated. Now, with this being an issue, it has the possibility of lowering my credit score and making it increasingly difficult to apply for different credit cards. 

As a college student building their credit, I am attempting to apply for new Discover Cards. However, due to a simple miscommunication, my applications are now not equally considered.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I checked my credit reports on all 3 credit bureau websites. I noticed that XXXX and Equifax both had a random debt collection on my report. Below are the details of that debt : [ Collection Agency - XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX TX XXXX, ( XXXX ) XXXX Original Creditor Name - XXXX XXXX XXXX XXXXXXXX I I Date Assigned - XX/XX/XXXX Amount Owed- XXXX  Status Date - XX/XX/XXXX Status - UNPAID Balance Date - XX/XX/XXXX Account Designator Code XXXX XXXX  Account Number - # # # # # # # # # # # XXXX Creditor Classification - RENTAL_OR_LEASING Date of First Delinquency - XX/XX/XXXX ] I have NEVER been contacted by the listed debt collection agency for this debt and it is impossible this debt is even mine. Based on the information above, the debt appears to be for a rental unit in PA some time in XXXX. I have been living and working full time in CA since XXXX. I have owned 2 properties here since XXXX. I have no reason to go rent another random apartment in PA in XXXX. 

XXXX removed this collection from my report after I disputed it with them, however Equifax, for reasons as mysterious as the origins of the Universe, claimed that they have verified this debt with the collector and it is in fact mine ( but did not provide me any proof or reasoning for this decision ). They gave several options going forward : 1. I could contact the debt collector myself -- I find this unsatisfactory as I do not know them, I do not want to know them, I do not know why they filed this collection on my credit report and I do not want them to be able to harass me in any way.

2. I could add a statement to my credit report -- based on what I have read, no creditor will even pay attention to this, so what's the point.

3. I can send them additional documentation -- they did not mention what type of documentation, so I'm not really sure what they want here. I can substantiate my residency in CA with property tax statements, tax returns, etc, but I don't think that will stop them from claiming I could ALSO have rented an apartment in PA, you know, just for funsies. I think they should be sending ME documentation on why they think I was renting in PA. If they did somehow verify this, then I need a copy of these documents so that I can go file an identity theft report with my local police station! 
4. Write a complaint to the CFPB -- so here I am. Honestly, I don't really know if anything will happen with this, but at least I got to rant about how ridiculous this situation is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX on XXXX occasions about hard inquiries on my report. There were XXXX of them in a 6 month span, and I advised them that I may have had only five of them. I alerted them that someone may have gotten a hold of my info and were attempting to open credit in my name. They refused to remove any of them and advised me to contact all sixty of the hard inquiries and attempt to " work something out '' with them. Is there anything I can do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not sure who this company is. I was able to log in to my paypal account, But I have never applied for paypal credit. Please help me this inquiry should not be on my XXXX credit report. 

INQUIRER CONTACT DETAILS SYNCB/PAYPAL XXXX, MD XXXX ( XXXX ) XXXX ESTIMATED REMOVAL DATE XX/XX/2022 Inaccurate Info?
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of XXXX {$1000.00} XXXX per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the  investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending this letter on my behalf. I checked my credit reports recently and as I studied law lately, I realized that your agency and this collection agency is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership o
Product: Bank account or service

I refinanced an existing home loan with Umpqua Bank in XXXX this year. Since then I have been on the phone for several hours trying to get my insurance and auto deposit set up correctly. In the last two weeks Umpqua has taken XXXX full mortgage payments from my checking account but not at the date they specified. My insurance company says that my balance with them is short {$60.00} but when I call Umpqua they tell me the account is fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is in clear violation of the law on accounts # XXXX & # XXXX. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer and the person ( Capital One ) Making the report is NOT INCLUDED on my Consumer report!

A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act XXXX account numbers has volated my rights : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : DIVERSIFIED CONSULTANTS Account number XXXX
Product: Credit reporting or other personal consumer reports

Please kindly reference report # - XXXX XXXX. All XXXX XXXX caused somebody to break into my XXXX XXXX XXXX XXXX account, causing business disruption. I reference the NY State DFS Complaint # XXXX which impacted my business. Additionally, XXXX XXXX reduced my credit card balance and I sent XXXX XXXX a XXXX to increase it and they refused to process it causing business disruption so they need to remove ALL negative remarks. XXXX XXXX XXXX XXXX has had a broken system for years. On Friday, XX/XX/XXXX XXXX called me threating me with litigation. I have been asking XXXX for over a year to fix the broken system and he refuses to. He also promised me on that day to send me a way to automatically pay and he never did therefore all negative remarks need to be removed. For XXXX XXXX I told the bank to make sure that my bank accounts were linked for XXXX  between personal and business and they never did so they need to remove negative remarks and they did agree to do so and experians complaint didn't do anything to fix this or anything above. XXXX has broken the Fair credit reporting act because they put my mortgage in foreclosure and even show XX/XX/year> missed payments????? They have a broken system and breached a contract and we are in court and they are talking about settling. I have told them I am putting payments in escrow with my lawyer so it should not be in foreclosure. Experian didn't resolve this. XXXX  XXXX XXXX conducted retaliation and closed my business account impacting my ability to pay bills on time additionally I am in litigation with them and they are breaking the law. Negative remarks need to me removed. All of my items are in court here and my credit score stays at XXXX??? I am protected by identity theft laws yoo. This is unacceptable.
Product: Credit card

I am XXXX. We received an unsolicited credit card for one of our students. She is a minor and did not request it. Her household also received an additional credit card, addressed to someone who does not live there.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX inaccurate information to credit company or broker
Product: Credit reporting or other personal consumer reports

Lending PT is reporting on XXXX  a open account when this is close paid as agreed I am writing to dispute inaccurate information listed on my credit report provided by [ XXXX ]. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated [ XX/XX/year>, I have identified discrepancies that necessitate your immediate attention : XXXX. [ Describe the inaccurate account, including the creditor 's name, account number, and any other relevant details. ] XXXX. [ Describe any other inaccuracies you've found on your report. ] Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures [ according to 15 USC 1666 ( b ) ] that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by section 1637 ( b ) of Title 15.