23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I currently have an impound account with PennyMac. I pay my mortgage and escrow payments regularly ( see attached ). My insurance company sent a notice of renewal to me and PennyMac on XX/XX/XXXX. Penny Mac insists that they did not receive this notice and had sent me a direct request to submit a renewal letter to them. This was sent on XX/XX/XXXX. The notice advises that my policy payment is due on XX/XX/XXXX. A check was sent by PennyMac on XX/XX/XXXX. On XX/XX/XXXX, I received a lapse notice from XXXX XXXX XXXX XXXX to advise me of the lapse of coverage but that if a check was sent, no further action was needed. Having checked my loan activity, I saw that a check was sent on XX/XX/XXXX. However, the insurance agency advised me yesterday ( XX/XX/XXXX ) that a check was not received by them until XX/XX/XXXX. Due to late payment, they canceled the insurance and sent a check back to me ( which was dated XX/XX/XXXX, but which I only received yesterday ). After going through the automated system multiple times, I spent a total over XXXX hours on the phone attempting to resolve this issue. During this time, my insurance coverage through XXXX was confirmed through their automated system. Once I advised them of the cancelation of the insurance they noted this in my file. PennyMac indicated that since they only received notice of renewal on XX/XX/XXXX, there was not enough time to process the check in a timely fashion. They advised that they would open a " ticket '' to investigate if they had received the initial renewal notice from XXXX. They also advised that they could retroactively provide XXXX 's forced place insurance ; however, I was never routed to that department correctly and was advised that the process could take XXXX days and be a substantial expense for me, the consumer. 

Furthermore, on XX/XX/XXXX, I filed a homeowner 's insurance claim due to water damage in my home with XXXX ( arrowhead, XXXX ) and they took the information/gave me a claim number. However, their underwriter assigned, informed me that when she pulled up the policy, it was not active. I have time sensitive damage to my home that requires swift remediation and is an expense that insurance should be covering. Pennymac is responsible for payment to my insurance on my behalf and failed to do so. They also failed to notify me in a timely fashion of the canceled insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my letter to all three credit bureaus to fix an error on my credit report in XXXX but they still have not responded or corrected the mistake.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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Product: Debt collection

Initially when I got out of college me and my cosigner were harassed and then while I was struggling my mother agreed to help me out then we learned about forebearance forms a year after and we used those to help me buy some time and ease the burden off of my mothers payment. We asked if we could lower my loan payments and it was met with we need to pay a certain amount to lower my payments. Now fast forward to around XX/XX/XXXX/XX/XX/XXXX we finally got access to lower our payments and put into this 13 month program and we talked to mycosigner and me and my mother were told that we will be paying on my debt and now the phone calls have stopped but we are still getting mail from navient saying we owe more money.
Product: Credit card

The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping.
Product: Vehicle loan or lease

My car was wrongfully repossessed stating I didnt make a payment in 90days. Not allowed to make current payments. The only option was to pay off the entire loan- or refinance with a different bank
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 bureaus have not updated my loan with XXXX I have a XXXX balance and its still shows the original balance
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, I noticed that several inquries through Capital One Bank USA, Capital One, American Credit ACCEXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX were applied to. I personally have nit applied for new lines of credit. I reached out to all the creditors to have these inquries removed but they gave me a hard time. They suggested that I dispute these matter via the CRAs ( credit reporting agencies ). I would like these inquries removed. Next, on XX/XX/XXXX I see that XXXX XXXX XXXX has an inquiry. I too would like this removed from my credit reports as I did not apply for any new lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On all three of my credit report there is an open account with Dept of Education XXXX with a balance of XXXX. However, this account was closed and my loans was transferred to XXXX. I would like for this account to be updated on all three of my credit report showing that this account has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Representative : I am disputing the account stated above. Previously, I disputed this account information as being inaccurate, and you responded by stating you were able to verify this debit. But how is that possible? Under the laws of the FDCPA, I have contacted the collection agency XXXX XXXX XXXX myself, and they have failed to provide me with proper validation according to the FDCPA as I requested. 

I have enclosed copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent this letter by certified mail. I was given an Account Summary Report and no evidence of my obligation to pay this debt to the originator or this collection agency. This debt is not mine. This is NOT a valid form of validation of debt per FDCPA. 

The validity can not be properly verified and you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. 

In the event that you continue to report it on my credit report, I will find necessary to sue you for actual damages and declaratory relief. According to FCRA regulations, I may sue you in any qualified state or federal court, including small claims in my area. 

I look forward to a swift and amicable resolution to this matter.
Product: Credit reporting or other personal consumer reports

XXXX deleted inaccurate account from my consumer report and I want it to be deleted from transunion and XXXX immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request for the removal of the erroneous information about my accounts that has been neglected by Experian Credit Bureau. The inaccurate information about my accounts was still on my reports in other bureau. These accounts is already removed and deleted in other bureaus but still remains in my Experian Credit File. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$10000.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2600.00} XXXX XXXX Opened XX/XX/XXXX Balance {$3800.00}
Product: Checking or savings account

Approx XX/XX/2023 applied for a Citibank Checking account in winch I had to go through rigorous identity verification to open, In which I successful completed, About 2 weeks from opening the account when several transfers we set from me and my partners old accounts, this new checking account with CITI WAS LOCKED AN UNABLE TO USE, ONCE AGAIN, I WENT THROUGH ANOTHER IDENTITY VERIFICATION from their fraud and loss prevention dept. I did ALL THAT THEY ASKED yet I still to this day have not been cleared nor heard from them. I keep calling them almost every day and they keep giving me the run around and they are holding up all my Money over {$2500.00}
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX Account # XXXX & XXXX Account # 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 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My account with the XXXX XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 MONTHS REPORTING LATE 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.

This company 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 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: Debt collection

On XXXX XXXX, 2017 I was contacted by IMC on my work phone ( which was never provided to them ) and I promptly told them to not contact me at work. The man that called refused to get off the phone, told me he could call me at work because I do not answer my private phone. This is because I have blocked the number because they have received payment for this debt several years ago and I am still contacted by them despite the fact that I have resolved the problem and told them as such. To date the company has never proved the debt or mailed me the requested documentation when I paid it at least 3 years ago.
Product: Debt collection

I, the natural consumer, in fact, has been violated by Capital One in numerous ways. I recently send Capital One a package including an Affidavit of Truth, Debt Validation Letter, Cease and Desist, Exhibits of Violations as well as an invoice for a remedy via certified mail ( XXXX XXXX XXXX XXXX XXXX ) and received a green PS Form 3811 showing the package was indeed received. Capital One has yet to seize reports until this alleged debt is validated as they are supposed to do as pursuant to consumer laws. Capital One is reporting that payments are received as agreed but my credit utilization is now showing 104 %. There is no delinquency reported and for the entire month of XXXX and XXXX this account is reported as an account in good standings. I do not consent to the obligation of tHis alleged debt. In addition to these things previously noted, Capital One has denied me an extension of credit several times with no explanations as to why the adverse action was taken upon me and denial of a credit extension has further led to my credit score being damaged due to high utilization percentages being shown on my report. My scores has taken a tremendous downfall over the time span of XXXX and and XXXX and this is unacceptable.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. 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 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 months that are reported late 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 XXXXXXXX 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 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: Credit reporting or other personal consumer reports

They did not contact me when my deferral was nearing it's end in XXXX and did not put any " dings '' on my credit until XXXX of 2025 when I was " more than XXXX  days past due '' dropping my XXXX XXXX XXXX points. All of my other creditors can manage to find my information, phone number, current address, email address, and everything else but they did not try. This is not acceptable behavior.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this transaction, I did not fill out a credit application or loan application with this company. The inquiry reported on my credit file is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a discover card. Yesterday X/XX/2018 I received 3 calls from Discover card. The first two times I could n't answer, so they called and left no voicmail. 
I saw discover card and got worried, so I logged onto my account to make sure there was no fraud action, and then I called and was on hold for over 10 minutes. Being at work time was a factor for me, so I could n't hold on any longer. 

Received my third call around XXXX- and then person ID themselves, and started asking me if I have a problem making payments, and offering me flat interest rates ( right now I am in XXXX promotion ). Then after I told them no, they continue to ask me to make a payment even though my account was n't due, or even past due. 

I was shocked. I asked if there was a issue with my account, and if I was past due, and they said no they were just trying to be proactive. This made me so upset as they are calling me during my working hours-left no voicemail the first two times, and then harras me for payments when payment was n't even due. They violated my cell phone by calling over and over eating up my minutes and wasting my precious time, time that I need to be able to work so I can pay my bill in the first place To me this was collection when my account was n't even due. Soliciting trying to tie me to an interest rate, when I have XXXX interest rate right now. Harassment for payment - when my account is current. 

What is it that discover wants from me? I think they need to pay me for time, and cell phone charges?
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted Trans Union, XXXX and XXXX in regards to the validity and factual information regarding late pays on 2 specific credit cards, i was not notified or was i allowed access to the information gathered to validate the investigation. all 3 bureaus did not send accurate information regarding the investigation and what the process entailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i call the credit burea u  XX/2016  and  spoken will with upper management i ask about my report i was told their was only just  XXXX  item on my report and i pull my self the only item that was listed on report was a fed loan no public record or anything else all this inaccurate was remove from my file and i check again so month later these things reappear by law sectio n 6-11 of the  fair credit reporting act if item has been remove from credit reporting you must receive a letter within 5 days notification if item would be replace back on report here is item that was remove  XXXX   XXXX   XXXX , Tn Fed Bankrupt, Tn Fed Bankrupt, Tn Fed Bankrupt these  XXXX  was in public record, Mississippi Div
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I'm currently writing this complaint about my account with synchrony bank and XXXX. XXXX XXXX XXXX that i had paid off my account for {$670.00} XX/XX/2020 and then i got a letter on XX/XX/2020 saying that my account is closed due too lack of real estate credit and too many open accounts now i feel that's not fair and wanted to know if there's anything you do too help me fix this issue
Product: Debt collection

This is with Commonwealth financial system for {$1300.00} this not my debit and am not paying for it.
Product: Mortgage

I have tried to get a loan modification from SLS ( SPECIALIZED LOAN SERVICING ) My hardship started when both my parents got sick. My father had XXXX XXXX and My mother was diagnosed with XXXX both at the same time. My father and I have owned a company for over 30 years. My Father could not continue to work any longer. They were both put in XXXX at home. Both my sister and I were there to care for them as their health started to rapidly get worse. I was unable to work as both my sister and I would switch off taking care of them. In XXXX of 2017 my parents XXXX XXXX  11 days apart. Since then I have had to file Chapter XXXX. With being so behind on my payments I have a XXXX regular mortgage payment and a XXXX Chapter XXXX payment. Roughly XXXX per month. So far I am keeping up however being self employed I do not know how much longer I can do it. If SLS sees that I am making both payments why wouldn't they help me with a loan modification so this would relieve some of the pressure? I have put almost XXXX worth of work in my home and don't want to leave. I would hope that they would give me a shot at a loan modification. Have a little heart and see what I have been through,
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been so agitating waiting for TransUnion 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing.
Product: Student loan

I was not properly informed about the terms of the loan. I was not mailed an initial confirmation letter nor a loan monthly/annual summary statements in the first 4 years of the loan. I was not told the loan was purchased by Discover. I Did not understand the loan was at a variable interest rate. My mother   XXXX   XXXX   was put as a co- consigner. She was not present when I toke out the loan. We did not find out until years later. My father 's signature show as the only co signer, yet my mother is on all the paper work. I ask Discovery for a copy of the original loan paperwork with the cosigner signatures and was sent one. Only my father. I have been paying on this $  XXXX  loan about {$190.00} a month for several years. The balance is $ 16k approximately. I found on the internet others have had this same problem.
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-discover-bank-to-pay-18-5-million-for-illegal-student-loan-servicing-practices/ Please help!
Product: Credit reporting or other personal consumer reports

there are 4 inquires on my credit profile that i do not recognize, i have contacted transunion 4 times now about it and it still is showing on my profile. these inquiries are XXXX XXXX XXXX ( Bank ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX  XXXX ( Bank ) XX/XX/2023 I never attempted to get these accounts.