23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have sent payments to PennyMac mortgage using XXXX XXXX XXXX Billpay since the day they bought the paper. Now, for the last 3 months, PennyMac has decided they will apply my payments only to principal reduction. If I did n't catch this 3 months ago, I would unknowingly be behind on my mortgage payments. It seems like XXXX, XXXX, & XXXX all over again! Each of the last 3 months, I have had to write letters requesting PennyMac to properly apply my payments. They have corrected the issue each time but it takes a couple of weeks for them to get it right. I am concerned that they are possibly over charging me for interest for the days they are taking to fix their errors. I have just asked to be contacted by a loan servicing supervisor but I do n't expect them to comply. I always paid a little more than the payment due to try to shorten my loan period. This month, I sent the EXACT payment due and they still applied it to principal only. Their website is a pain to navigate because they load my computer with cookies that my antivirus program deletes. Every time I try to log in, I have to wait for PennyMac to send me a special code via email so I can access my account. It is really like dealing with a guy down the block running a mortgage company from his garage. I ca n't be saddled with a mortgage company I do not trust so I am going to pursue a refinance to get away from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan through XXXX  XXXX and they sent out my social security number to other lenders trying to get me approve without my knowledge I only applied for that particular company XXXX  XXXX in XXXX, This was dated for XXXX XXXX, ongoing XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX all these car lenders and or banks were from one or two car lots I applied for and Again that was XXXX  XXXX, and also XXXX XXXX the rest I had Absolutely no knowledge of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a bank account with XXXX  on XXXX XXXX and was declined stating there were discrepancies on my XXXX   report. I knew that had to be an error because i filed for bankruptcy and every creditor was ordered by the judge to CEASE AND DESIST. I filed chapter XXXX bankruptcy with case XXXX  FL on XX/XX/17 and the case was discharged in XX/XX/2017. However, XXXX XXXX  is STILL REPORTING EVEN AFTER MY BANKRUPTCY. Each creditor is subject to up to {$1000.00} fine for violation of fair credit reporting act. Chapter XXXX   bankruptcy discharges all debt!
Product: Credit reporting or other personal consumer reports

ATTN : TransUnion I recently obtained a copy of my personal credit report and I have noticed quite a few errors and inaccuracies. 
Also, I never have given you written consent to include any of this information on my credit report. This is proven under the consumer laws as identity theft. To bring to your awareness, the following accounts on my personal credit report are reporting without my consent : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX I am sure you are familiar with the consumer laws that were created to protect the consumer and your bureau is currently in violation of these agreed upon laws. Please review the following laws that you are obligated to abide by : Order 15 U.S. Code 1681 b Permissible Purpose of consumer reports : I never gave you any written consent to report the above listed accounts on my credit reports, and no consent is fraud upon your bureau.

Order 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report : The listee accounts are in violation. Transactions are to be excluded from a consumer report if no social security number was verified for the transaction.

Please remove these accounts from my credit report immediately, if not, I will be forced to gather all my evidence and seek legal actions. 
Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account does not belong to me, it is the result of identity theft.

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Hi my name is XXXX XXXX I recently filed a dispute with my Bank of America account ending in XXXX on XX/XX/2024 for 2 unauthorized transactions from XXXX XXXX. The first transaction was for {$5000.00} on XX/XX/2024 and the other was for {$4800.00} on XX/XX/2024. My information was stolen and I filed a dispute with Bank of America. I was given a provisional credit on XX/XX/2024 and Bank of America said that the dispute was in my favor and I won the dispute. I am contacting CFPB today to get more answers because my account was debited {$9800.00} again from the same merchant on XX/XX/2024 and now my Bank account is on hold. I want to know when will I get my money back. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiries that appears on my credit report. The inquiry, listed as initiated by " XXXX '' on XXXX XXXX XXXX was not authorized by me. 
XXXX XXXX XXXX XXXX XXXX, was not authorized by me. 
XXXX XXXX on XXXX XXXX, was not authorized by me. 

Under the Fair Credit Reporting Act ( FCRA ), a hard inquiry requires my explicit consent or must be made for a permissible purpose as outlined in 15 U.S.C. 1681b. I did not apply for credit or authorized to access my credit file.

I am requesting that you investigate this inquiry and provide documentation showing that I authorized it. If you are unable to verify my consent, I request the removal of this inquiry from my credit report.

Please complete your investigation and respond to me within the 30-day timeframe required by law. Additionally, I request a corrected copy of my credit report once the unauthorized inquiry is removed.
Product: Debt collection

Capital Solutions continues to call and harrass me over a debt that is way past the statute of limitations. I have requested numerous times that they not call anymore, they refuse to stop calling. 

I am continually being told they are going to process my paperwork and serve me over a debt lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is Reporting a Inconsistency account XXXX XXXX XXXX account number XXXX, That not consistent with XXXX nor XXXX report TransUnion has reported that the date opened on this account was on XXXX XXXX has reported Date opened on this same account is XXXX TransUnion has reported that this account type is a revolving account type XXXX is Reporting account type as Credit Card account type. Transunion has reported that the date closed on this account is XXXX and XXXX has reported that date closed on this account is XX/XX/2018, XXXX has reported date closed is XX/XX/2018, Transunion also have the account number listed as XXXX and XXXX has listed the account number as XXXX These are Inconsistent Inaccurate reporting on my credit report and is a violation of the FCRA. I have downloaded proof of this on the CFPB portal.
Product: Consumer Loan

Mariner Finance continues to report that I have a delinquent/past due balance with them. I am no longer legally required to pay Mariner Finance anything nor do I have a past due balance. I have disputed this on seven occasions with the credit bureau and have contacted Mariner Finance directly. I have yet to receive a response from Mariner Finance.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX I am to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

The full amunt of the student loan was paid yet the service who collected my money fail to notify my loan provider that the account is fully paid. resulting in my loan provider having no proof that i paid it to hearthland so they can not close my account. i personally can not afrod to another XXXX dollars when it has been already paid for.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX 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.

SELF FINANCIAL/LEAD BA AND SELF/ATLANTIC CAPITAL never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Checking or savings account

I am writing to file a complaint a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices ae unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with XXXX XXXX XXXX XXXX was fraudulently opened with my information in XX/XX/2020 for the amount of {$15000.00}. I discovered this account my checking my credit report through XXXX. Ive made attempts to resolve this issue with the credit bureaus and haven't gotten any result. This account is negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; Experian and Transunion are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. XXXX XXXX - XXXX ; XXXX  XXXX XXXX  - XXXX ; XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; XXXX - XXXX ; XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX ; US DEPT ED - XXXX ; XXXX XXXX XXXX - XXXX ; XXXX XXXX - XXXX ; and XXXX XXXX  - XXXX XXXX These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Checking or savings account

Bank of america has stolen money from my account. i have gone to the ATM and had a hold on my account with out my knowledge. on the morning of XX/XX/21 my wife tried to pull out {$700.00} for my rent. That is when the problem occurred the ATM never released my money. The {$700.00} was Still taken from my account. Bank said not to worry for they will be refunding the money in 24 Hrs. They never did i put the depute for the transaction they didn't pay due to the fact the employee put the claim wrong. He said ATM was broken that is why i was claiming the money. I never said it was broken they sent a tech guy to check ATM it worked fine. So they wouldn't approve the claim. I resubmitted the claim the declined it a 2nd time due to the first claim. Asked for ATM footage of ATM they wont give it to me unless i get a court order for the footage. i have filed police report faxed it to the cooperate fraud department. They still declined to send footage or reimburse my money that was taken from my account. The next part is from the XXXX app Have an identity theft problem from the bank app XXXX. it is a payday loan app they got hacked and leaked my identity online so people have used my bank account and debit card from the information they leaked. I told bank of america about this and the fraud i have seen on my account. They stated to me it was all my fault that my money was stolen from my account they are not legally responsible for my money and will not refund or reimburse my fraud claims for transactions or ATM. I filed a new police report for the identity theft. I keep trying to refile claims to recoup my loses but bank is not willing to pay me even with all my evidence that i have. i need to sew them to get my money. I don't have the financial means to proceed to the court due to health as well. XXXX bank app case number for the identity leak is CASE # XXXX and CASE # XXXX. Police report # for the fraud on account is XXXX officer XXXX XXXX  pd ca
Product: Checking or savings account

I have a savings account with CapitalOne 360. On XX/XX/2018 they transferred {$170000.00} out of my savings account into an external account belonging to my wife that doesn't even have my name on it, and subsequently closed the account. They closed the account because I apparently exceeded the maximum 6 transfers per month out of my savings account in two consecutive months. Instead of calling me, or perhaps blocking my 7th transfer, or even texting me, they decide to unilaterally close my account and arbitrarily transfer the money into an account that happens to be linked to my checking account even though that had no idea who it belonged to. What if it was my contractor 's account, or what if my wife and I were divorced? This qualifies as downright gross negligence to me and I strongly urge you to penalize CapitalOne to the greatest extent possible. 

I called CapitalOne and their Manager acknowledged " this part of their process needs to be refined ''. Are you serious???
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not Liable for this debt with XXXX XXXX, I DO NOT have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. According to 15 USC 1681 a 2 they must have written authorized permission to furnish those accounts on my credit report. They are in violation as I have not provided this permission. 

I have also filed complaints with the Federal Trade Commission as well as the XXXX XXXX XXXX regarding this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting my name be removed from a car loan with Chrysler Capital effective immediately. I have no affiliation with this vehicle nor did I sign any documents connecting me to this debt. I have been trying for years to get this vehicle off my credit with little to no help from Chrysler Capital. I was under the impression this issue has been resolved since I received a letter from XXXX  dated XX/XX/2019 stating this item was Deleted from my credit report. This item does not appear on my XXXX XXXX for XXXX  or XXXX. My credit score based on XXXX XXXX for XX/XX/XXXXis XXXX and XXXX credit score is XXXX. I am in the process of trying to purchase a new house and was denied the loan due to this encounter and my credit score appearing as XXXX. This debt is affecting my credit tremendously and I am requesting for this to be removed. 
The owner of this car is from from XXXX, New York and his girlfriend is from XXXX. Im not sure if he still resides in XXXX, Ohio. The car was basically stolen because the monthly payments are not being made. I have never attempted to make a payment on this account because it's not my car or obligation. I have not seen nor talked to the owner in over 5 years. I have made several attempts to contact him with no success. 
The car dealership where this car was originally purchased has since gone out of business.
Product: Credit reporting or other personal consumer reports

I find out inheritance investment website that people using my accounts was to data breaches itenty XXXX XXXX stolen along children and grandchildren I believe using our name and I XXXX XXXX XXXX and several other Bank they money saying it me it bad my military family members families children my brother XXXX XXXX is XXXX service I'm problem with phone government phone inherent wifi XXXX  XXXX connection there wifi and XXXX accounts with brother I realize that Data breaches I contact my family doctor and GYN they area is information on XXXX patients patient XXXX XXXX my medical records missing XXXX patients patient XXXX XXXX and my XXXX  medical papers are missing too icon to cut the bags of contacted me to let me know what happened I got a couple others that I have but I've never opened up a bad count a couple years they've been using my social and everything
Product: Checking or savings account

I recently received a new debit card in the mail from Wells Fargo ( XX/XX/XXXX ) with request to inactivate the old card. Reason was suspicious activity on the old card. Literature with card states " wont affect linked accounts. '' ( see bullet point 3 under " why a new card '' ) on WF scanned document. 

( XXXX ) I found out that is not true by one of your bankers ( call- XXXX hrs ) and I need to notify all accounts. That delay in accurate information could affect my credit score and relationships with those accounts on the old card. 
Further I requested What suspicious activity led to the of inactivation of the old account in a previous call and I was told that information cant be released which I believe is a violation of the Fair Credit Act. None of this on Wells Fargo behalf is in the customers best interest. 

Lastly when I called in to change the card I received a robocall for dish network and I was caught in a loop wanting me to connect to XXXX even though I kept replying in the call that I did not want to connect. 
With all the legal issues that Wells Fargo faces, it would seem that Wells Fargo would attempt to get their processes in order and do what is the best interest of the client, that does not seem true.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has refused to do a proper investigation into information obtained in my XXXX credit file. They are not verifying properly the fraudulent information that they are continuing to report and that is a violation of the FCRA. Every single inquiry listed on my XXXX credit report is fraudulent. I didnt do a single one. they claim the information is being verified, however i can assure you it is not. they are just checking their internal records and not properly investigating this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'll never live at the following addresses this is incorrect : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete the following incorrect employer : XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I took a 90/10 loan with XXXX XXXX XXXX   ( XXXX  ) on a {$48000.00} purchase where I paid {$48000.00} as 10 % down payment with a principal loan of {$430000.00}.

XX/XX/XXXX my XXXX XXXX XXXX ( XXXX ) loan was current. ( Exhibits 1 and 2 ).

XX/XX/XXXX I made the scheduled monthly payment of {$3300.00} to XXXX. ( Exhibit 3 and Exhibit 4 ) XX/XX/XXXX I also paid XXXX the {$48000.00} against the principal that was required to eliminate PMI. ( Exhibit 3 ) XX/XX/XXXX XXXX   charges {$86.00} for PMI. ( Exhibit 5 ) XX/XX/XXXX I asked that PMI be removed from my account.

XX/XX/XXXX I made the scheduled monthly payment of {$3300.00} to XXXX. ( Exhibit 5 ) XX/XX/XXXX XXXX  sent me a delinquency notice for the XX/XX/XXXX payment. ( Exhibit 6 ) XX/XX/XXXX XXXX   sent a statement showing I owe {$6600.00} on XX/XX/XXXX ( and that my XX/XX/XXXX payment is past due ). ( Exhibit 5 ) XX/XX/XXXX I was again inappropriately charged PMI ( Exhibit 13 ) I have made many contacts with XXXX   attempting to address this issue directly with XXXX. ( Exhibits 7, 8, 9, 10, 11, 12 ). I have more similar messages back and forth with XXXX that simply do not address this issue.

Please help. I am asking that : 1. my account correctly reflect that I made my XX/XX/XXXX and XX/XX/XXXX payments timely ; 2. my account correctly reflect that on XX/XX/XXXX I paid an additional {$48000.00} against principal ; and 3. PMI should no longer be charged and all PMI charges after XX/XX/XXXX should be refunded to me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX