23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called into pennymac a few weeks ago to update the homeowners insurance policy for my escrow. I was told to send in the information with the policy information via the XXXXpennymac website. 

The XXXXpennymac website had issues for days either I could not log into the portal or it would take MINUTES to load a single page. 

Because of the issue with the website, I logged into pennymac 's website and sent the new updated XXXX XXXX homeowners policy information via the secure message section in pennymac 's website. 

I have yet to hear back from Pennymac. 

I was finally able to get into the XXXXpennymac website and upload the insurance information. THEY " SUCCESSFULLY '' RECEIVED THIS BUT UPDATED MY POLICY INFORMATION TO THE OLD INSURANCE EVEN THOUGH I UPLOADED THE XXXX XXXX XXXX INFORMATION. 

I uploaded the information again AND THEY UPDATED IT AGAIN TO THE OLD INSURANCE INFORMATION. 

Now pennymac has paid the wrong insurance company which I no longer have a policy with and I have to chase down funds, deal with refunds, deal with putting that back into escrow. They're going to calculate an escrow shortage more likely because of this. What a mess. 

Worst mortgage company I've ever had the pleasure of dealing with. Consistently have issues with their escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a load with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX. Phone # XXXX I was in a car accident on XX/XX/XXXX reported this to XXXX. I have XXXX XXXX, which totaled the car on XX/XX/XXXX and XXXX agreed to accept the payoff amount from XXXX, due to remaining balance they will file a claim with XXXX. XXXX Claim # XXXX On XX/XX/XXXX XXXX letter indicated payment to lienholder will be XXXX and the remaining balance of {$2700.00} will be paid by XXXX XXXX, XXXX, ( which the insurance department with XXXX email indicating that will be the next steps ). I received a statement from XXXX, dated XX/XX/XXXX requesting a payment from me in the amount of {$1400.00} and late fees in the amount of {$23.00} after the agreement with XXXX XXXX and XXXX is currently taking place. I called XXXX they are still expecting payment from me after they have agreed to the payoff from XXXX and will file the claim with XXXX for the remaining balance. In addition, they continue to report late payments to the all three agency after they agreed to the payoff amount. I 'm requesting my credit report be corrected and a letter sent to me from XXXX indicating this issue was resolved, so I may show this letter to other finance company when I apply for a new loan. The action of XXXX is hurting my credit score after they agreed to closeout the loan. XXXX still continues to collect money from me, XXXX and XXXX for a loan that was totaled by the insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute multiple items on my credit report since 2017. I have not been given any information concerning the inaccurate accounts on my reports I had in question.
Product: Credit card

Several problems : Bank of America dropped my grandson 's authorization to use all of my XXXX credit cards and also cancelled the auto payment out of my checking account with no explanation. They denied the use of the cards on several important occasions for no reason. They issued new cards with new numbers for their security not mine. They issued a XXXX card that I never applied for just like XXXX XXXX did to some of its customers. They denied changes when my husband recently died although everything was in joint names and legally either party could do everything to the accounts. They treat me like a new customer after banking with them for over 58 years. They keep making changes to many of my transactions with them without any permission on my part. Their records conflict and when I point out that I have a document from them that shows something different it does not seem to matter. 
Thank you for looking into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting or other personal consumer reports

I have two creditors saying I have student loans with them. One is XXXX who said they sold to XXXX XXXX  Both are collecting on my credit reports and bringing m y score down with payments that are not due and accounts that are no longer theirs. One company needs removed my debt is double and it had been disputed multiple times. This is what it looks like on all three credit reporting companies XXXX Equifax XXXX XXXX loans Total balance : {$86000.00} XXXX XXXX XXXX LATE PAYMENT Balance {$740.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$5800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$3100.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  LATE PAYMENT Balance {$6000.00} Balance updated XX/XX/2023 XXXX XXXX XXXX LATE PAYMENT Balance {$2800.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$5700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Balance {$3700.00} Balance updated XX/XX/2023 XXXX XXXX XXXX  Balance {$3900.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$4000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$11000.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$2700.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$7400.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$6300.00} Balance updated XX/XX/2023 XXXX  LATE PAYMENT Balance {$3800.00} Balance updated XX/XX/2023 2023
Product: Debt collection

I was checking my credit report and saw that I had an account with Absolute Resolutions for {$590.00}. I was never aware of this matter via phone or mail within 5 days according to the Fair Credit laws. Also this company is not licensed in the state ( NC ) I reside in to collect a debt.
Product: Student loan

I am in the IBR repayment plan and the PSLF program. As of XX/XX/XXXX, both my unsubsidized direct and subsidized direct student loans were both scheduled to be forgiven on the same date in XX/XX/XXXX -- which makes sense, as they have been consolidated for nearly twenty years. 

However, this year, twice within the month of XXXX, suddenly, and apropos of nothing, XXXX, the servicer, reevaluated the number of " qualifying payments '' on the unsubsidized portion of the supposedly previously consolidated loans and reduced the number of qualifying payments I have made by eight. 

I sent a detailed description of the problem to the servicer, asking for an explanation and some justification. I also opened a case with the servicer 's Ombudsperson, with identical text. 

The servicer responded a week later with boilerplate from the servicer 's website making reference neither to my stated issues, nor to the resolutions I had requested. I responded with a polite, but firm request for an actual, thoughtful, dispositive, responsive, non-robotic reply to my problem. The servicer responded with an even shorter, less relevant reply containing a passage of boilerplate text that had appeared in the original response. It's obvious the replies are almost certainly automated, or are keyword-generated by XXXX speakers working under strict time constraints. The Ombudsperson could not be bothered to reply at all.
Product: Credit reporting or other personal consumer reports

My Experian account was hacked due to my phone number and email addressed being linked to a hack to my XXXX XXXX account. I have contacted Experian XXXX  now to inform them of the breach and was prompted to submit highly private information via online portal. But in the course of the XXXX days my Experian account is still able to be accessed by the hackers despite putting a freeze on the account.
Product: Money transfer, virtual currency, or money service

Received an alert from Wells Fargo regarding a {$3500.00} transaction replied no and immediately received a phone call from Wells Fargo stated someone requested {$3500.00} XXXX payment that was scheduled to go through in an hour unless I requested the money back to me through XXXX then the caller proceed to talk me through the procedure and two transactions one from checking in the amount of {$2000.00} and another from my savings {$700.00}. I informed the bank and recently received a letter stating that although it was a scam they have informed the recipient and requested a refund and if the send it back thats the only way I can recover from this.
Product: Credit reporting or other personal consumer reports

I have been disputing this account XXXX XXXX ending in # XXXX multiple times. This account does not belong to me. I refuse to pay any amount to this debt that does not belong to me. This account must be removed a d it is reporting in violation of the fcra and fdcpa. I have never owner or opened or authorized any account with XXXX XXXX 

Please find attached a new copy of FTC identity theft report.
Product: Debt collection

I was given a summons to appear in court to answer for a debt from XXXX XXXX XXXX in the amount of {$15000.00}. I allegedly took out a loan for said amount on or about XX/XX/XXXX. On or about XX/XX/XXXX, he contract was turned over to Crown Asset Management to handle the delinquent loan. 
I dispute this entire " loan ''. My credit back in XXXX was extremely low, so it seems highly unlikely that any entity would have granted me the amount of {$15000.00}. What's more, I have never had any dealings, good, bad, or indifferent with XXXX XXXX XXXX. 
As of this date, XX/XX/XXXX, with the exception of the summons, I have not received from XXXX XXXX XXXX and Crown Asset Management, a single letter, email, or phone call. 
This is a complete fraud and I have had no business with XXXX XXXX XXXX or Crown Asset Management.
Product: Mortgage

Our house was going to be sold at a foreclosure auction. The deception was a XXXX violation. This form is actually a " resubmittal '' from a previous submission. I was advised to factor in all of the monies I am out related to this. My husband and I hired the Core Advisory Group, we paid {$1900.00} up front plus a {$160.00} notary fee separately to US Signings who happens to be the same owner of Core Advisory Group, XXXX XXXX so he milked us on top of the regular fees to add his separate notary fees. In addition to these fees, we also paid {$68.00} for documents to be sent same day to three different entities ( {$22.00} XXXX ), {$150.00} to a paralegal to draw up paperwork for a bankruptcy petition, and {$77.00} for the filing of this petition. There was no mention of additional fees for sending mail and filing a bankruptcy petition ( we were blindsided by this ) and the fee for the paralegal was also deceptive to my understanding as we filed under pro se status. We were given legal advice and instructed to file a chapter XXXX by this paralegal when only a licensed attorney is allow to provide legal advice so that is another violation to the bankruptcy code of conduct. The bulk of the money was paid via check although the paralegal requested I put money directly into her account ( which was actually her daughter 's account because the bank she uses " does not have a branch in your area '' ) and the bankruptcy court would only accept a cashier 's check or money order as payment. The fee for mailing the documents was paid via debit card at the USPS station. This company does not follow the laws & regulations and uses deceptive marketing and sales tactics to lure people like us in. If necessary I have all receipts or documentation for money paid if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX, XXXX, and XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.
Product: Debt collection

On XX/XX/XXXX I received a bill from Fidelity Creditor Service. It was for a service on XX/XX/XXXX from XXXX. I never received a bill from XXXX. My Insurance, Was suppose to pay all bills. It turns out, once I looked into this, XXXX sent the bill to the wrong address twice and then sent the bill to collections. So, on XX/XX/XXXX I received the letter and the next day we inquiried with Fidelity Creditor Service about what this bill was for. They told me it was From XXXX. So I asked them to send me the bill from XXXX so I can see what services where provided for and what my insurance did or did not pay. The letter from Fidelity Creditor Service said that I had XXXX days from receiving the notice I received to question this bill. So I wrote to Fidelity To question this bill. 

Today I had my credit check on XX/XX/XXXX and I was informed that Fidelity Creditor Service put a XXXX mark on my credit report to XXXX of the credit bureaus on XX/XX/XXXX. Not sure how or why they did this since the letter they sent me was dated XX/XX/XXXX and I received the letter on XX/XX/XXXX, but Fidelity Creditor Service XXXX the Credit bureaus a late charge on XX/XX/XXXX almost XXXX month before I even received their letter letting me know about this Medical Bill. 

So, how do I get this off my credit report? 
Since, once I found out everything and verified what this bill was all about, we paid the bill. 

How can this company ding my credit before I even new about the bill? 
How do I get this off my credit rating? 
How can Fidelity Creditor Service even ding my credit even before they sent me anything. 
Also, I was charged {$120.00} in interest from Fidelity Creditor Service. How can they charge me interest for a bill that I did not even know about? 

Looking forward to hearing from you.
Product: Credit card

I have a Capital One credit card with the ability to use for a cash advance with an interest rate of XXXX % that starts immediately. I called and asked if I prepaid my credit card would the credit balance on my credit card go against the amount due on a cash advance. I was told no - I would have to make an additional amount for the amount of the cash advance to stop any interest charges. When I asked why - I was told that overpaying a Capital One credit card is wrong, basically an error, so that error can not be used against a cash advance. So Capital One will basically get paid twice for the same charge. This essentially means that while traveling, without access to pay twice for the same transaction, I am paying excessive interest rate on a cash advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX had a computer glitch, I was trying to pay my mortgage on XX/XX/XXXX. I did not receive a confirmation number. I was worried my payment had not gone through and would be late. I checked the next day, XX/XX/XXXX, and there was no account of my payment. I made another payment and received a confirmation on that one right away. I checked my bank account statement after a few days and two charges had been processed. I contacted my bank and freedom mortgage to notify them of the double charge. Somewhere along the road both my bank and freedom mortgage reversed a payment- even though I obviously was only trying to get one reversed! Why would I pay twice and then purposefully remove both payments? It doesnt make any logical sense. I got a notice that both the XXXX mortgage had been reversed and that it had now been marked as a late mortgage payment. Exactly what I am trying to avoid! Due to this mixup, we are being offered much worse rates on our next mortgage. Its unfair punishment on my part to receive a serious ding on my credit report for an obvious misunderstanding that began with an error on the freedom mortgage payment page. I want this mark on my credit removed- its not a reasonable way to conduct business at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Date of Late : XX/XX/2020 This is a formal complaint against Experian. I do not recall being late for the month of XX/XX/2020. I might have received my statements late for this particular month. I know I am always on time in paying this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft accounts were opened in my name fraudulently. 

- My current address ( copy of lease attached ) as of XX/XX/XXXX is : XXXX XXXX  XXXX XXXX XXXX, FL XXXX - Previous Address 6 months prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX - Previous Address for two years prior : XXXX XXXX XXXX XXXX XXXX, FL XXXX I previously submitted a paper affidavit that was notarized and now I am including the official FTC Identity Theft Report filed with the report number. The following accounts are fraudulent and not mine. 

I have been the victim of identity theft the accounts were opened in my name and not done by me : 1 )  XXXX  Acct # XXXX 2 ) XXXX XXXX Acct # XXXX 3 ) XXXX Acct # XXXX 4 ) XXXX Acct # XXXX 5 ) XXXX Acct # XXXX 6 ) XXXX XXXX Acct # XXXX 7 ) XXXX Acct # XXXX 8 ) XXXX XXXX  Acct # XXXX 9 ) XXXX XXXX Acct # XXXX 10 ) XXXX    XXXX XXXX Acct # XXXX Please remove the following fraudulent inquiries not made by me : XXXX XXXX I XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

This debt collector is violating my rights by continuing to report false and inaccurate information on all three of my credit reporting agencies. I was forced into a settlement with this company due to them using scare tactics. this collector whom I have never signed a contract with has been reporting inaccurately on my reports and continues to report to the reporting agencies unauthorized by me the consumer. I never gave them permission to report anything that has to do with me to a credit reporting agency. resulting in the defamation of my character and contributing to the denial of products that I am currently applying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding an inaccurate bankruptcy listed on my credit report. I have been going back and forth with the 3 major credit bureaus XXXX, XXXX, EXPERIAN for several months now. I have sent in an FTC report, a letter from the bankruptcy court stating they don't report this information, letter after letter, and the bankruptcy still has not been thoroughly investigated or verified. The credit bureaus stated that they have verified the bankruptcy with XXXX XXXX and XXXX XXXX sent me a letter stating the the bankruptcy has been deleted from their system because it didnt belong there in the first place. So the credit bureaus are blantantly lying and not investigating anything and I would like this bankruptcy DELETED from my credit report IMMEDIATELY! I WILL FILE FOR LITIGATION DUE TO THE STRESS THIS IS CAUSING. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON.
Product: Credit reporting

On or about XXXX XXXX, XXXX, I received a disclosure of credit score information ( XXXX ) from XXXX XXXX. I continue to see the very same key factors that are adversely affecting my scores. 
The very same key factors have appeared on disclosure received on or about XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX. Disclosure attached for your information I have file complaints to credit bureaus and the Consumer Finance Protection Bureau. XXXX credit bureau ( TRANSUNION ) responded that key factors will not be deleted. Why? XXXX responded that dispute was not specific. How specific must I be? In the disclosure information it clearly states the key factors that are adversely affecting scores. There were no specific accounts provided. I have not received any responses from XXXX on this issue. Each one of these disclosure information pages appear to be identical to each other. I am shocked that one of the credit bureaus has the audacity to comment that these adverse key factors will not be deleted. Does n't this credit bureau realize that continuing to report these adverse key factors are affecting my financial life style? 
After reviewing the latest credit files from XXXX ( XXXX-dated XXXX/XXXX/XXXX ; XXXX ( XXXX-dated XXXX/XXXX/XXXX ; TRANSUNION ( XXXX-dated XXXX/XXXX/XXXX ) and going line by line I found no evidence to support these adverse key factors.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX