23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB, I want to file complain on my lender Pennymac. They have my mortgage on the property of for many years. In preparation of the sell of my property, I called in on various times of preparation for the final pay off letter. I called them in XX/XX/XXXX and XX/XX/XXXX to ask the agents of the process. Both time, they made it seem pretty easy and informed me all I need to do is call the day before the scheduled closing with no additional disclosures. I asked about the payoff letter dates. They provided the information even if the date of the letter is after our actual closing date, that we will get back the extra interest that we pay. In hearing that, I waited to right before our closing date to call to request the letter. Our closing of the sell of the property then was scheduled for XX/XX/XXXX. Thus I called them on XX/XX/XXXX and they got me the letter the same date. The agent indicates that the letter is generated to XX/XX/XXXX. I inquired then if our closing date is XX/XX/XXXX, then does that mean, we will get back all the interest from the date they receive our final paid off to the date of the letter. The agent confirmed yes, overages will be sent back. Our closing went smoothly and pennymac received the pay off on XX/XX/XXXX. On XX/XX/XXXX I called pennymac and received the same expectation that we will get back the extra interest but later the month on XX/XX/XXXX I called and XX/XX/XXXX I called after nothing sent. A representative on XX/XX/XXXX helped submit a research and then on XX/XX/XXXX they called back. They indicate that I was not entitle to any interest refund as the type of loan we had meant that no matter which date we paid off the loan ( XX/XX/XXXX ), we still had to paid the full month of interest. They indicate that they reviewed all my calls and that they did not give me any misleading information. I ask them for me to get a copy of those calls as from my recollection, my understanding of the answers they give me was no problem, I will get the interest back of the XX/XX/XXXX date to XX/XX/XXXX. I feel I got cheated of around {$1000.00} of interest because of this. If we were aware of this, there is no reason for us to not schedule our closing date before XX/XX/XXXX and be cheated of a full month of interest. Pennymac refuses to make me a whole and indicate they are of no wrong. I fully feel I been wronged and they are not giving fair disclosure and guidance to their clients on this process. They owe me money for their misleading information.
Product: Checking or savings account

I have to make a wire transfer to a third-party company. 

I log into my Bank of the West account and go to the " Payments & Transfers '' tab. I have a few options there : - Bill Pay - Send Money with XXXX - Transfer & Payments Between My Bank of the West Accounts - Transfers to/from My Non-Bank of the West Accounts The last two are not relevant in my case ( wire transfer to a third party company ). XXXX also does not seem to be relevant since it is a direct payment to a friend or relative, simply through an email address of phone number. I am looking to wire money directly and securely to another bank account. 

I go to Bill Pay. I have to go through the cumbersome process of searching a Bank of the West affiliate before I can add the third-party I wish to wire transfer my funds to. 
The Bill Pay UX is confusing. They are not asking for the routing number, the bank info or anything from the third-party. I wonder how they will transfer the funds with just an account number. 

I double, triple-check the Bill Pay support page and FAQ : " Overview What is Online Billpay? 
With Online Billpay you can pay any company or person you owe. 

Quick Facts Pay anyone in the United States that you would normally pay by check, automatic debit, or cash. We send the money electronically whenever we can. If the person or company cant accept electronic payments, we print a check and mail it for you. '' I want to stress this part, which I consider false advertising, and which is the object of my complaint : " ... that you would normally pay by check ... We send the money electronically whenever we can. If the person or company cant accept electronic payments, we print a check and mail it for you. '' They are clearly saying they will transfer the funds electronically as long as the other party can accept them. This is my case. 

I proceed with setting up a Bill Pay but the confirmation I receive is " Your check is processing ''. Estimated date of completion : XX/XX/XXXX. We are XX/XX/XXXX. This is nothing like a regular wire  transfer. 

I call the Support line, get in touch with an agent who tells me that Bank of the West does not support wire transfers. This will be a future feature for customers. I can ask for a wire transfer by going to a local branch and pay USD {$35.00}. 

Their Bill Pay feature is definitely misleading. Their advertisement of opening a " Making paying bills a breeze '' with a Bank of the West account is also misleading : " Avoid late payments and penalties when you set up one-time, recurring, or expedited payments with our online Bill Pay. 
Pay bills anywhere in the U.S. quickly, easil y, and securely with our online Bill Pay. '' Where I live the " breeze '' does not take a check and 1 week to arrive ... Thank you for considering this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of inquires and personal information below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquires : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Line of Credit ( XXXX ) XXXX XXXX ( XXXX, XXXX, XXXX, XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX ) XXXXXXXX XXXX ( XXXX, XXXX, XXXX ) XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Addresses : 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 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a certified letter dated XX/XX/2018, which was received and signed for by USAA on XX/XX/2018 requesting validation to an account showing on my Credit Reports as Charged off. This letter included the account number as shown on my credit reports, and all of my personal information. USAA did not reply. I sent another certified letter dated XX/XX/2018, which was received and signed for by USAA on XX/XX/2018, again requesting validation to their reporting on my credit report. On XX/XX/XXXX, USAA replied with a letter stating that they received my request disputing information on my credit report, and they will not investigate this dispute. On XX/XX/2018, I sent a third certified letter, which was signed for on XX/XX/XXXX, by USAA. This third letter stated, USAA has still not validated this account, nor have they marked it disputed, which violates Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.  USAA replied back with another letter dated XX/XX/XXXX, stating they received my request disputing information on my consumer report, and they will not investigate the dispute further, etc.
Product: Credit card or prepaid card

Capital One Mastercard # XXXX XXXX XXXX XXXX capital one credit dispute case # XXXX I tried my stripe and considered to get gas, I saw a guy was smoking near me, I am non smoking person, I pushed " cancel '' to leave without pumping the gas, I got the charge for {$36.00} on XX/XX/2019. 
I asked my credit card to dispute the charge, the XXXX sent some computer info for the charge, however It did not show any receipt. 
My card charged me back, asked me to show a paperwork for cancellation. 
As you know, gas station did not print any receipt for cancellation at all. 
However if I used, I would keep my receipt. 

I went back the store a few times and asked for refund. The man in the store asked me to come back for his manager, who did not show up as any appointment. 
The man also told " someone might use it after I left since I might not push cancellation well. '' I reported this as a stolen use. My stupid card dispute dept asked me to show a cancel voucher, which the store did not give anyone at all. 
The stupid card said " The computer info did not show cancel. '' Yes, if I pushed not well, it would not show any cancellation. 

However, the fact is that I was not pumping any gas, since I could not take smoking. 

I need refund from the card. 

Thanks. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX, TX XXXX Subject : Request to Remove Unauthorized Hard Inquiry Due to Identity Theft Dear Experian, I am writing to formally report that I am a victim of identity theft. I recently reviewed my credit report and discovered an unauthorized hard inquiry from XXXX XXXX XXXX XXXX, dated XX/XX/year>. I want to emphasize that I did not apply for or authorize this inquiry and have never sought any credit products from XXXX XXXX XXXX XXXX. 

My personal information was exposed in the XXXX data breach, which I believe may have contributed to this fraudulent activity. Under the provisions of the Fair Credit Reporting Act ( FCRA ) and its amendments, particularly section 605B ( 15 U.S. Code 1681c-2 ), I am requesting the immediate removal of this hard inquiry from my credit report. The FCRA mandates that once a consumer provides evidence of identity theft and requests the removal of fraudulent items, the credit bureau must block and remove such items within four business days of receiving the request.

To comply with the law, I have enclosed the following : A copy of my credit report highlighting the unauthorized hard inquiry.

A completed Identity Theft Report ( FTC affidavit and/or police report ).

Proof of my identity, including a copy of my government-issued ID and proof of residence.

Failure to comply with this request would constitute
a violation of the FCRA, specifically section 605B. The penalties for noncompliance include fines and statutory damages, as provided under 15 U.S. Code 1681n and 1681o. Case precedents, such as XXXXXXXX XXXX XXXX XXXX, demonstrate that credit reporting agencies may be held liable for damages resulting from inaccuracies on a credit report due to inadequate resolution of identity theft claims. 

I kindly request written confirmation that the unauthorized inquiry has been removed from my credit report. If you need additional information or documentation to process this request, please contact me at [ your phone number ] or [ your email address ]. 

Thank you for your prompt attention to this matter. I look forward to your confirmation within the legally required timeframe. 

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

My credit report with Equifax is reflecting the wrong address. Attempts have been made directly with Equifax, but the results always comes back " verified '', regardless of my driver 's license and utility bills that were provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX2016 - XX/XX/XXXX2016 XXXX XXXX XXXX XXXX listed 5 month missed and late payments. There was fraud charge listed in my credit card and I have disputed the transaction with XXXX XXXX XXXX XXXX and It has been removed from my credit card transaction. But I still see this as a missed payment in my credit report.
Product: Credit reporting or other personal consumer reports

reviewed my consumer report on XX/XX/2024, and I noticed several inaccurate and incorrect information on my consumer report. They are reporting inaccurate and incorrect information in consumer reports concerning me that they have been compiled and published to third parties. The following trade line items are inaccurate and incomplete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of all 3 consumer reporting agencies for each account with just a few highlighted examples of the inaccurate and incomplete information. I am aware that I have rights under the FCRA and request that you fully comply with the law to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX # XXXX and account # XXXX, XXXX XXXX XXXX account # XXXX and account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions
Product: Credit reporting or other personal consumer reports

Hello ; i have tried so many times to report this inaccurate information to Experian but they continue to report false, misleading and inaccurate information. Please find enclosed my latest complaint I sent to them showing them this alleged debt does NOT belong to me
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute information on my credit report that I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). 

I have noticed that despite these two account being charged off and closed on XX/XX/XXXX and XX/XX/XXXX, monthly late payments have been reported on my credit report continuously for the past six years, which is well beyond the permissible reporting period under the FCRA. Here are the specific issues : 1. Inaccurate Reporting : Under Section 605 ( a ) ( 4 ) of the FCRA, most negative items, including charge-offs and late payments, can remain on a credit report for only 7 years from the date of first delinquency. The continuous reporting of late payments after the accounts were charged off and closed is not only inaccurate but also extends the period beyond what is legally allowed.

2. Violation of FCRA : The act of reporting new late payments on an account that has been charged off and closed suggests an attempt to extend the statute of limitations or misrepresent the account 's status, which is a violation of Section 623 of the FCRA. This section requires furnishers of information to ensure the accuracy of the data provided to credit reporting agencies.

3. Deceptive Practice : This practice could be considered misleading under the Consumer Financial Protection Bureau 's ( CFPB ) regulations, as it misrepresents my current creditworthiness and financial status.

I request that you : - Investigate this matter promptly under Section 611 of the FCRA.

- Remove all inaccurate, outdated, or erroneous entries related to this account from my credit report.

- Ensure that no further updates are made to this account as if it were still active.

- Provide me with a written confirmation of the actions taken to correct my credit report.

Please acknowledge receipt of this dispute and inform me of the status of the investigation within 30 days as required by law. 

I have enclosed a copy of my credit report highlighting the disputed items and additional documentation related to the account 's status. I am prepared to provide further documentation or information if needed. 

Thank you for your attention to this matter. I look forward to your swift resolution of this issue. 

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

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
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/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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
Product: Debt collection

I do not owe this alleged debt, and do not have a contract with the debt collector, they have failed to provide me with the original contract.
Product: Debt collection

During pandemic we couldnt keep up with rent and the landlord evict me, wife and XXXX kids because we owed XXXX months on prime pandemic. He had us in court but XXXX told him he had no case because we was not on apartment anymore. He saw me XXXX week ago with my vehicle and now am recieving calls from a debt collector telling me that if I dont answer in 24 hrs my credit and my wife credit will be damage. He told me that he nows I have a new vehicle and assets the will be taken away.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items, which only two are required per law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Vehicle loan or lease

Kia Motors Finance issued me a check for {$4000.00} I never cashed it, it was stolen out my car I contacted kia about this matter 7 times insisting that they cancel it well they didn't so I called back again the lady stated that the check was cashed and will not be reissued this was a smack in the face this was a reimbursement check from the overage charges please help my family my son is XXXX and will be evicted soon I'm counting on this please look into this and re issue check XXXX XXXX XX/XX/1987 please mail to XXXX summer XXXXXXXX XXXX XXXX XXXX, ga XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a mixed credit file that I became aware of back in XXXXXXXX XXXX XXXX. After years of fighting with the credit bureaus and sending over documentation to correct this issue, their negligence has caused so much distress. Credit card companies, hospitals, debt collectors, etc have confused my identity with someone else because of this mixed credit file. We have had multiple situations like XXXX XXXX merging my credit card account with someone else. I have also had hospital bills put in other persons name/insurance. I could not resolve the issue because my personal medical information was under someone elses social security. Some of these hospital bills took months, years to fix, thus preventing my insurance company from back paying these bills due to a limited time period after my social, name, address was verified and adjusted. I have filed disputes with the bureau regarding some collections and false credit reporting and have been denied any kind of resolution. Hippa complaints have also been filed. The bureaus have compromised my identity, personal information, and privacy due to irresponsibility/negligence. We have consulted with an attorney for a possible lawsuit but have not yet hired a legal representative.
Product: Student loan

I can't remember the exact dates, but over the life of my loan I have made payments and paid ahead when I can. This was an effective strategy to keep my payments manageable, until about 3-5 years ago when I noticed that my interests rates just so happened to go up and bring my amount due equal to the amount I was paying to get ahead.

I did my best to catch back up, even through an injury that limited the amount I could work for a time. At that time, I called Navient and expressed my concern, after never seeing my payments fall back, only to be told that they did not set the rates and that the rates were variable and set by the Federal Reserve as was my understanding when I took the loan.

I, now, know this to be an outright lie. On Navient 's website, it now says that the lender sets the rates. When my loan started it was around 5-7 %. It is now nearly doubled to 11.25 %. This is unheard of for student loans and unconscionable.
Product: Credit card or prepaid card

On XX/XX/XXXX I noticed a charge of {$870.00} on XX/XX/XXXX on my credit card to a hotel in New York. I called that day to report that I did not charge that on my card. They told me that they would start a fraud case. 

On XX/XX/XXXX, I emailed them to see what they have done so far, and they sent out a generic email stating that it could take up to 90 days. 

I emailed them again on XX/XX/XXXX and then got another generic email stating it is being worked on. 
On XX/XX/XXXX I called fraud department because it has been over 90 days and they said they knew nothing about it..I spoke with " XXXX ''. He said that he would credit me that money along with any interest on it that was charged to me. That it would be credited to my cancelled card, which makes no sense because that card is cancelled and I have a new card. 

They have a duty to their customers to protect their cards from fraud, which they have not done!