23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, my mortgage was supposed to automatically withdraw the monthly payment. On XX/XX/XXXX, I logged into my account and there was no sign of a payment being processed for the month of XXXX either in past or pending payments. There was a box that indicated the next automatic payment would be processed on XX/XX/XXXX. I then made a payment on XX/XX/XXXX since one had not been made. On XX/XX/XXXX, I logged into my account once more to double check. I was then able to see that two payments had been made-one auto payment and the one-time payment. At this point I called PENNYMAC and was instructed to notify my bank and request a stop payment. The supervisor at PENNYMAC said they would also issue a refund for the other payment and that my account would then be current. They also stated that they were currently submitting a formal complaint and that the app developers would be made aware of the incorrect information regarding automatic payments on their app. On XX/XX/XXXX, I made a full XXXX payment once again and this was posted through my bank as I had noticed that both payments were reversed. On XX/XX/XXXX, I received a message from PENNYMAC that my payment was not processed due to my account being frozen. When I logged in to check, there was record of a payment posted on XX/XX/XXXX, however it was indicated that a payment was not made for the month of XXXX. When I called and spoke to another supervisor at PENNYMAC, I was told that they returned an extra payment and that my account was not current. The payment made on XX/XX/XXXX was supposedly applied to the XXXX payment. I was also told it was standard procedure for them to refund money they had not received. They also shared that the previous supervisor should not have advised me to initiate both returns and that they were mistaken for that. When this supervisor stated they would be submitting a complaint and that it would remain accessible to anyone who views my account, I asked if they could see the prior complaintthey could not.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXXXX/XX/XXXX Equifax Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting or other personal consumer reports

Dear CFPB, CFPB is supposed to protect my consumer report from unfair, deceptive, or abusive practices.

15 U.S. Code 1692c - Communication in connection with debt collection ( a ), ( b ), ( c ).

According to this law I haven't giving any such consent for any 3rd party companies to falsify my consumer report by acting as the original creditor and making false claims and statements including trying to collect a sum not owed to them. There were mistakes made that lead to falsifying my payments as late and accidentally turn over said accounts to collections when the accounts were paid on time and paid as agreed. The information on my consumer and credit report needs to reflect my current up-to-date payments and on time payments.

I'm entrusting CFPB to properly rectify the situation but also requesting that my information is changed and updated to paid on time and as agreed and therefore there are no collections on my consumer report. Please ensure that these unfair, negative late payments show as PAID ON TIME/PAID AS AGREED. This needs to be done ASAP these 3 unfair, deceptive, and or abusive practices is being done by the 3 major credit bureaus allowing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}. I never open up any of these 3 accounts nor did I consent of these three companies to use any of my information this act is illegal according to Consumer financial protection bureau laws and therefore needs to be DELETED PERMANENTLY and or UPDATED to PAID ON TIME and PAID AS AGREED PLEASE AND THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

CARMAX AUTO FINANCE XXXX XXXX XXXX XXXX XXXX GA XXXX I do not recognize this account this is reporting inaccurate information on my credit report
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ). Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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 personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal loan account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) an apartment was leased at XXXX  XXXX XXXX XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote XXXX, Transunion, several times asking them to check into an XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have ask both, for their method of investigation on this account, and to send me paperwork proving they investigated this matter. 
XXXX reports Not paying as agreed. Though Transunion reports paying or paid as agreed. XXXX reports this account paid as agreed and deleted it due to so many inaccuracies. So which is it? I have the right to a 100 % accurate credit report. This report is clearly inaccurate. In accordance with The Fair Credit Reporting Act, 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 an account without my written instructions.

15 U.S.C 1666b A creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

I have also ask XXXX to remove a discover inquiry off my credit report. It is NOT my I inquiry! I have contacted XXXX, they investigated the problem, set me a letter to remove inquiry. Then a second one popped up on my credit report. After being ask several times, XXXX wont remove it. Knowing the issues Ive had with XXXX. 
I will never apply for credit at that company. Not real fond of them.
Product: Debt collection

With XXXX, there is a debt through quality recovery services of XXXX which is false and it has ruined my credit report. 

I have written documentation that supports this to not be valid. This has been on my CR for 3+ years, and is hindering me and my XXXX children to living comfortably. I can forward the proof immediately ro support my claim. It is with XXXX XXXX XXXX apartment complex ) in the state of Georgia.
Product: Credit card or prepaid card

After making a purchase with my XXXX XXXX XXXX credit card on XX/XX/XXXX for {$43.00}, I paid the purchase off as well as any late fees in full on XX/XX/XXXX which amounted to {$100.00}. The company continued to charge my account interest and late fees without notifying me of any activity on my account. I had not made any purchases using the card after the initial charge on XX/XX/XXXX. This is because the company had failed to send me a bill for that charge or any information about how to pay off the card, which is why I accrued late fees and did not pay until XX/XX/XXXX. I was weary of the company 's credit policies and decided to no longer use the credit card I had with them. Regardless, the company continued to charge me these late fees and minimum charges without notifying me of the charges on my account - their records show no indication that I ever received any information regarding these charges aside from ONE bill that finally came in XX/XX/XXXX to the amount of {$89.00} which was a result of the minimum charges and late fees that they had been charging my account. The company has acknowledged their mistake and said that they would report the error to credit agencies for the month ofXX/XX/XXXX However, this has been going on since XX/XX/XXXXand my credit has suffered since then at no fault of my own. I would like the false delinquencies, starting XX/XX/XXXX, to be removed from my credit score. The files I have attached show the account statements proving this fact. For the statement of XX/XX/XXXX, it is clear that I made no purchases but the company still charged me minimum and late fees.
Product: Credit card

On XX/XX/2024 I filled out an application for a Home Depot credit card. I have a pro account. They said my application was processed under a consumer account. they want me to fill out another application and apply for a new card. They sale item with no longer be on sale. I will not get the {$100.00} off on my first purchase because the item is no longer available. Ive been on the phone with Home Depot and Home Depot credit card account and no one has even said they were sorry. Please fine them for there mistake.
Product: Credit card or prepaid card

It's been many years trying to get credit limit with citi bank and always denied because they said the credit reports shows up high ratio on my credit cards which is not true. Spoke to XXXX the supervisor ID XXXX and asks to speak to his manager and he denied also ask for his manager name and he denied. I never missed any payment thru citi bank. I have my mortgage paid on time, my cars paid on time an excellent pay history and I just approve for an XXXX XXXX card and I still have the same limit with citi bank and always is the same issue if I try to get a credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : $ XXXX, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

Please ensure these unauthorized accounts are blocked and removed from my credit report as soon as possible. I did not authorize these accounts, and their origin is unknown to me. XXXX XXXXXXXX XXXX, I am requesting their removal within 15 days. Attached are the necessary documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is refusing to remove hard inquiries that are not mine, not authorized by, and done so without my consent. 

My email, address, phone number, social security number, passwords to my account are all being sold all over the internet, pastebin 's, and are being reported on security websites, and paid for security watch by XXXX. These are attached. My account and credit has been compromised.
Product: Student loan

This is a continuation of my previous complaint with Ed Financial. They have failed to process my repayment plan, after 5 months of waiting they finally told me it was processed and the billing would start XX/XX/XXXX. However in XXXX I received a late notice for a different amount, I called they said to ignore it because the system needed time to catch up. In XXXX I receive a sudden bill for a different amount and late notices so I pay it and call. The rep said I didnt have any balances due and that more time was needed for the system to catch up, I told her how my payments were not accurate and that random amounts would suddenly show past due. This was dismissed as system error and give more time until next month. In XXXX another random about showed due and not the correct amount, I paid it. A few days later I have a sudden past due amount for XXXX show up without notice that does not match my repayment plan at all or the payment I made already. I get calls/ emails from the federal government saying I missed payments, I get notices from my credit monitoring services all saying payments are late, when in reality Ed Financial is not correctly processing my loan account. It makes no sense and their reps are unable to help, managers rarely return requests for help. I get told different things each time I call in. My loan has been inaccurately processed, my payment amounts are always inaccurate, the notice of payment due is always sudden, past due amounts show up suddenly. Previously they could not be reached, they took months to incorrectly process my repayment plan, managers do no return calls, you never can talk to the same person, each rep says something different than the other. All I am asking for is to make my monthly payment in the correct amount monthly. I do not know what else to do.
Product: Debt collection

There is 3 accounts from a company called XXXX XXXX that was opened from my identity being compromised. I am requesting the 3 accounts be deleted immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This account became fraudulent due to someone who broke into my vehicle and stole my person information, they stole my social security card my license and my debit card, & cellular phone.I do not owe any of this debt because it is FRAUD. Said people cashed multiple checks and made my account negative but took out the funds. Now I can not open another account with wells Fargo because of that risk.
Product: Credit card or prepaid card

On XX/XX/2022, I purchased a flight on American Express XXXX from Washington DC to XXXX XXXX ( AMEX XXXX Trip ID XXXX ; Confirmation : XXXX ). On XX/XX/2022, it became apparent that the flight I booked was significantly further away from the resort I was to stay at than expected. I called American Express XXXX on XX/XX/2022 to fix this problem by switching my flight to remove the second leg of the travel so it was only XXXX to XXXX ( direct ). When talking with the employee, I explained the situation and was informed that I could ONLY change the reservation and there would be a {$100.00} fee associated with this. I said that that is OK as I purchased the Gold Protector coverage for the flight for these types of situations. When the agent came back on the line he informed me that the cost would be ~ $ XXXX to change. I told him that that solution made no sense as I could cancel my ticket, pay the {$100.00} fee and use the remaining airline credit to re-book the flight for ~ {$50.00} overall. The agent proceeded to tell me that if I cancelled I would lose everything and would not receive a credit for future use. I proceeded to tell the agent that that was not correct and that I was looking online and could clearly see that I was eligible for a credit. Once again I was informed that I could only change the flight and not cancel it. After over XXXX minutes of holds and going back and forth, I finally talked to a supervisor that said I WOULD receive a credit for future flight however due to the extended time talking with the prior agent the flight that I was looking at on AMEX XXXX had increased by ~ $ XXXX ( when accounting for additional taxes and fees ). 

This is unacceptable. At this point I want my flight canceled and my Member Rewards re-deposited back into my American Express Account. This was the first and last time that will use Amex XXXX for my needs due to the sheer ineptitude I encountered from the first agent that wasted over an hour of my life. 

On XX/XX/2022, I filed the above XXXX  complaint to American Express ( Complaint : XXXX ) and as of today I have not heard from American Express on this matter and am escalating to the CFPB due to this.
Product: Money transfer, virtual currency, or money service

i have money in XXXX XXXX app they locked my money insude they never call me they didnt do nothing with my account i need this money to pay rent
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes with XXXX and XXXX and both were closed. I have a XXXX balance as I paid off my mortgage with chase nearly a month ago. It is still on my credit report with a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

After taking a look at my credit report while updating my personal information. I realized that there were inaccurate information reporting on my report. I sent Transunion an disputing letter with all the inaccuracies that they was reporting. With proof of my identification and mailing address. However I got a letter stating that they wasnt sure if it was me or a 3rd party so they couldnt continue with my issues pertaining my report. I then called in to ensure them it was me and that I sent in the information that they needed. I was told that I didnt need to send in my Id and that I just need to resend in the same letters of my inaccuracies for my report. That make no sense to me what difference does it makes if I include proof of address as well as identification. I really need help
Product: Credit reporting or other personal consumer reports

I am writing to EXPERIAN to formally dispute the accuracy of certain information in my credit report, which I obtained. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation. I know that EXPERIAN being sued for engaging in " sham investigations '' by failing to properly verify and correct erroneous credit report entries, misleading consumers in the process. Given these serious violations, I expect my dispute to be handled in full compliance with the FCRA, including : 1.A complete and reasonable investigation within the 30-day period, as mandated by law. 2.A detailed explanation of your findings and the actions taken to correct any errors. 
3.The provision of a free updated credit report reflecting the corrections made. I have enclosed supporting documentation to substantiate my claim, which should assist in your investigation. Failure to properly investigate and correct these errors will leave me no choice but to escalate my complaint to regulatory authorities, and my state attorney generals office, and to seek legal remedies for damages caused by your agencys failure to comply with the law.
Product: Mortgage

In XXXX of XXXX I lost my job where I was making {$44.00} per hour. Due to XXXX XXXX XXXX  I had to leave that job. I was out of work until XX/XX/XXXX and began making {$22.00} per hour. I contacted my mortgage company ( Member First Mortgage ) MFM in XXXX of XXXX and advised them of my financial hardship, they sent me the hardship application packet where I completed it and submitted all of the required documents ... they denied me and said the mortgage is too new. I began pawning and selling personal belongings out of my home to try to keep up with my mortgage payment I even sold my XXXX XXXX XXXX. In In XX/XX/XXXX I applied for a forbearance hardship and once again completed a hardship package and provided all documents including approval document from the state of Michigan showing proof I was receiving food assistance. MFM once again denied me with no explanation. I have missed my XXXX XXXX payment as I am struggling to pay my full mortgage of {$1600.00} per month along with keeping my utilities going, my phone service, buy food, pay for XXXXXXXX expenses as well as personal items such as toothpaste, toilet tissue, dog food dish detergent etc. I am clearly qualified for a forbearance due to my income being cut in half since I took out the loan with MFM. They are not trying to work with me and have added to the stress that I already have. I am not sleeping and my health is suffering even more so because I am worried about losing my home that I have invested in and owned since XXXX. I am XXXX XXXX ( XXXX ) years old and should I lose my home I will be out on the streets another person added to our societies homeless count because I would not have any place else to go. I was simply asking MFM to either lower my payments or assist me in any way they can and they flat out denied me. My furnace went out at the end of this past winter and now my A/C is out. I cant even afford to get those replaced.
Product: Debt collection

Identity theft I fax police report and all I can fax! My USA passport this is not my first case about lost my adentity I Lear how to deal with it till they can arrest the guy.. right now Im asking you to verified everything and return it to the original creditor! Is XXXX and delete it from my credit thank you!