23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX, XXXX, I have worked tirelessly to resolve a straightforward credit reporting dispute with PennyMac to no avail. Communication to Pennymac over this period has included over a dozen phone calls, a half dozen faxes, and a written request for records. 

Overview : In Q2 XXXX, PennyMac disabled my ability to make automatic payments and payment by phone and web when an automatic payment failed to process. This imposed a substantial burden upon myself, as under Pennymacs limited certified funds status, I was left solely with the option to mail cashiers checks, which I would not be able to do while traveling internationally. 

On a XXXX XXXX XXXX phone call, I requested a Pennymac agent allow me to pay by wire transfer -- I was trying to make an effort to get payment in as soon as possible to avoid adverse impact to my credit report. Per account notes furnished by PennyMac, the agent ADVISED THAT [ PennyMac ] ONLY LIKE [ s ] TO USE [ wire transfers ] TO PAYOFF THE LOAN. The notes indicate that I informed the agent this was the only way I could make payment ( BWR STATED THAT IS THE ONLY WAS ( sic ) TO MAKE PYMTS ) and that the representative informed me I was would be in the limited certified funds status until XX/XX/XXXX ( ADVISED THAT MUST HAVE CERTIFIED PYMTS UNTIL XX/XX/XXXX ). Finally, the representative provides me with " payoff information '' and documents that I will wire that day. 

Throughout my correspondence with PennyMac since XXXX, XXXX, I have maintained that they should not have reported delinquent payments to credit bureaus, as they did not provide me with a way to make payment. 

In a XX/XX/XXXX letter enclosed with the production of records I had requested, a PennyMac representative erroneously states that the certified funds limitation was removed in XX/XX/XXXX, which is contradicted by the notes of the representative on XX/XX/XXXX : " My research confirmed that due to the number of returned payments received for your mortgage loan, PennyMac placed a certified funds requirement on your account on XX/XX/XXXX, and canceled your AutoPay. Further research confirms that due to the hardship the certified funds requirement caused, PennyMac removed the requirement as a courtesy in XX/XX/XXXX. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRY COMPANY UNRESPONSIVE COMPANY : XXXX XXXX   ON XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint earlier this XXXX about addresses being incorrect on all of my reports ( XXXX, XXXX, Equifax ). Instead of updating the address on the reports, I received a letter from CFPB stating that the complaint was submitted by someone not me even thought I supplied identification in the complaint as an attachment. Please make the corrections as asked before because I don't know who the other addresses belong to. I needed this done XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Experian remove and update my only address where i live and receive U.S. mail and delete all other addresses whereby they are not deliverable as per the FCRA and they refuse to do so.

I requested they delete all telephone numbers associated with my credit file profile and i provided my correct date of birth and correct employer, my only name used and my only social security number and i provided a copy of my drivers license, utility bill and social security card.

I have sent more then 10 different letters the same requesting this action and always providing true and correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF INTENT TO FILE A LAWSUIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX EXPERIAN XXXX XXXX XXXX, TX XXXX XX/XX/2020 To Whom It May Concern : This is my official notice to file a lawsuit for 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ]. 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Over 90 days ago, I wrote to the creditor in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far, none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there still is no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

Under the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Your letters to me claim to have verified the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is not sufficient verification for identity theft. Of course, the information matches up. Someone clearly used my information without my authorization. 

I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been verified then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against EXPERIAN for violation of the Fair Credit Reporting Act and Defamation. 

The items to be removed from my credit report are listed as follows : XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to validate accounts and verified inquiries on my credit report that I didn't authorize. They didn't fix anything. Please help and see attached documents.
Product: Debt collection

An energy account was opened in my name and social security number in two different utility companies in XXXX Tx. I live in Hawaii. 

XXXX XXXX : account open and closed XX/XX/XXXX - XX/XX/XXXX amount owed XXXX. Notified by XXXX a debt collector through XXXX on XXXX XX/XX/XXXX XXXX Power account opened and closed XX/XX/XXXX - XX/XX/XXXX. Notified by phone of amount due XXXX by Transworld Systems Inc a debt collector on XX/XX/XXXX. 

I have contacted both energy companies about the fraud in my name and SSN.

I am in the process of filing a police report here in Hawaii and will need to provide this report to both companies and collection agencies.
Product: Credit reporting or other personal consumer reports

My account with SYNCB/CAR CARE DISC TI was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

First, I am a victim of identity theft. On XXXX I sent a notarized personal statement to XXXX XXXX/Executive Office listing all of the fraudulent accounts, inquiries, phone numbers, addresses and employers. On the same date I also sent 2 FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XXXX I received an Equifax credit file. This credit file still shows 1 fraudulent address ( XXXX XXXX XXXX , XXXX, MA XXXX ), 1 fraudulent account ( XXXX XXXX XXXX XXXX # XXXX ) and 1 fraudulent contact/phone number ( XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XXXX ) which means your Equifax is in violation of the Fair Credit Reporting Act. 

Second, on XXXX I sent a letter to XXXX XXXX /Executive Office requesting to have the extended fraud alert removed from credit file. I attached a paystub with my complete SSN to satisfy identification and a utility bill with current service address to satisfy current address. On XXXX I received a letter from Equifax stating : " We're unable to locate a credit file in our database with the identification information you provided. In order to further assist you, we will need additional documents to verify your identification. Please provide your complete Name, Current and Former Addresses, Social Security Number and Date of Birth. We ask that you please send us a copy of two different items - one from each of the two categories listed below.One to verify your identity and the other will verify your current address. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX   Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 
I recently submitted a request for investigation of an Acct Number : XXXX XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX {$500.00} Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 
XXXX XXXX SOC SEC # XXXX DOB 1XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Checking or savings account

I was a Simple account holder. They transitioned to BBVA on XX/XX/XXXX. I have not been able to access my account. I keep receiving error messages. I called and got a representative who I couldn't understand and they couldn't understand me and the call kept breaking up. They couldn't help me and just told me to go to a branch. The branch hours are not convenient and I can't take time off work. I can't access my money.
Product: Debt collection

I have received notification from Valley Empire regarding an outstanding account balance. I contacted them in writing to dispute the debt and provided them with my full account history regarding the debt through the time period they were claiming which showed my account number and that the account was in good standing. I then requested that they verify the debt and contact me in writing only in the future. I received a response in writing stating that the account that was owing was a different account number then mine and I needed to provide information for that one, which I only have one account as it is for a utility service for a single family residence. 

I then received notification from my employer that they had received an employer verification and that when they called them back the company identified themselves as a debt collector and that I had a debt owing. When I called the company regarding this matter they stated they needed to verify my information as they had n't heard from me, I informed them that I had receipts from the certified letters I had sent proving they had heard of me and that the debt was invalid which they objected to until I offered to provide them with a copy at which point they admitted they received the notification but had n't heard back from me. 

I asked that they verify the debt and provide me with proof, I did n't get it. I sent in my full account history and was told that it did n't matter as they have another account number within the same period of time of the full records I shared with them and that I have to provide them with proof of this " other '' account. They received my request for information and written correspondence only and a week later contact my employer for employment verification. They identified themselves to my employer as a debt collector and that they were obtaining information for a debt that I owe. They then denied receiving my request to verify the account information and only acknowledge after I confirmed that I could provide proof, but have yet to send any supporting documents as they claim the burden of proof is on me.
Product: Prepaid card

Rushcard ruined my finances and caused me so much struggle for about two weeks without a penny to my name. I am a single parent and XXXX kids and i just could not figure out how to feed my kids day by day. I was devasted and cried daily. The need to pay for what they did to us. They conducted a server change, my card would not work, embarrassed to find out after food shopping my card declined on $ XXXX+ in groceries. They would not answer phone, either ring or hung up but not a soul to tell us what was happening with our funds. My sons XXXX birthday party cancelled and rescheduled cause i had no funds. My bills not paid and cell and XXXX turned off cause pmt arrangement i had. I was disgusted how they treated us without a care that we live check to check and had no other means for cash. I fed my kids cereal and milk during this time. It was nutts.
Product: Credit reporting, credit repair services, or other personal consumer reports

sorry my grammar is not 100 % accurate! 

Hi & To Whom It May Concern : How are you doing? Im not sure who to bring this up anymore, but I been dealing with the original dealership XXXX XXXX for the last 3-4 months in regards to a vehicle that was never on my possession. As I mentioned, I never took the delivery of the vehicle and its been on principal owner XXXX and XXXX dealership for day one due to mechanical issue. And now my credit report is all ruined because the principal owners never dealt with them on timely manner. Every time I called them, they kept saying that they dont have the money to send back to the bank to remove this from my credit report. Ive called the alleged bank XXXX XXXX several times and they stated in several occasion that once they receive the money from the Dealership that submitted the Credit Application they will go ahead and remove the tradeline from my credit report. 

Today, I look at my credit report again, it continues to report incorrect on my credit profile. It shows balance {$0.00}, however, its reflecting with derogatory mark, such as comments as settled-less than full balance, other bureau shows account legally paid in full for lass than the full balance, and Equifax reports as settlement accepted on this account or paid account/XXXX balance. As you can see on the pictures, I NEVER made the payment on this account. The dealership made the payment directly to the bank and you can see the check was made by them XXXX  XXXX XXXX XXXX. 

Therefore, this is causing me tremendous stress, and Im overwhelmed with lack of professionalism and blunt errors on my credit report which is costing me thousands in interest rate and fees. 

Please, I ask again, resolve this from my credit report either CORRECT as Paid NEVER late or remove the entire trade line from my credit report as promised. 

-- I need the company to remove this tradeline from my credit report as I never made the payment, and never took the delivery of the vehicle. Please delete this tradeline from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action.

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Student loan

I was duped into an interest-only payment plan, I was switched to a long term graduated repayment plan for 25 years. Now am paying nearly 100 % interest and making zero progress on principal. I was never notified how much interest I would be paying ( an exorbitant amount compared to principal ). I have not been paying these since XX/XX/2016 and have paid over {$26000.00} without anything being applied to principal ( {$65000.00} ).
Product: Debt collection

I have never done business with this company. I owe this company nothing. 5 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company to get them to update the balance information because the car was repossessed in 2015 of XXXX and they report every month as if Im making payments late the information thats being reported is an accurate the balance keep going up when there has been no payment on this account in over 6 years, This account has reached its lifetime and needs to be removed because it has been over six years with no payment on the account. I have disputed this account through the credit bureaus on multiple occasions and still end up with the same results they verify the account and nothing changes they change the balance in the amounts from time to time and the report any information but the account is still not remove
Product: Bank account or service

Ever since I moved into my apartment, I have been receiving the same junk mail from Chase Bank. I have called repeatedly to request to be removed from their mailing list and also requested to be placed on a do not mail list. Every time one of their representatives would assure me that everything has been taken care of. However, without fail every month, I will still receive the exact same piece of junk mail advertising their promotion to get {$500.00} if I open an account with them. Every time I call them to complain, they either give me false assurances or they redirect me to another phone number and line, but they refuse to address the issue at hand.
Product: Debt collection

I received a " Continuing Writ of Garnishment Against Salary or Wages after Judgment '' on XXXX/XXXX/15 from XXXX XXXX XXXX, XXXX. On XXXX/XXXX/15 I received notice from my employer that my wages would be garnished starting XXXX/XXXX/15!!!!!!!!!!!!!!!!!!!!!!!! Per the notice, I had 20 days to dispute this action ; it was 3 days!!!!!. I had no chance to dispute this before my money is being take from my paycheck. This attorney 's office has NOT provided any documentation proving that I owe XXXX XXXX or that I owe the amount mentioned. This garnishment is causing further financial hardship because I am now unable to pay my rent, electric, water or put gas in my car!!!! I can not afford to hire an attorney to file bankruptcy or fight this harassment. Do I need to quit my job to stop them from stealing my hard earned money. How is this legal or fair?