23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PennyMac is our loan serviced and we escrow both taxes and insurance. They allowed our insurance policy to lapse without any notification or attempt to contact us until they told us due to failure to provide proof of coverage they were force placing insurance on our home. We reached out and were unable to renew with our prior company because the policy had not been renewed timely which prevented us from extending from the time of lapse. We immediately contacted another insurance provider and secured coverage. PennyMac is now charging us for the lapse in coverage and refuses to rectify the situation. I requested they provide an escrow waiver going forward so I can ensure timely payment going forward. They refused. The same situation nearly occurred last year, but I paid out of pocket to ensure continued coverage and they double paid the policy ( after it would have lapsed ) which cause a refund.
Product: Credit card or prepaid card

My name is XXXX XXXX and I own a Platinum Store Credit Card with Macy 's for XXXX   USD. I have four separate items that were purchased with promotional interest-free for 12 months. Every single item was returned to the store yet Macy 's never removed the promotion from my credit card profile and when three promotions of the 12 months expired I got to charge a very high interest on the purchases that I had returned to the store months before. The first one that expired on XX/XX/2020 charged me {$430.00} in interest. The other two that expired on XX/XX/2020 charged my card {$700.00} in interest. I have been waiting for almost three months to have the issue resolved while they continue to promise that their back office is working on resolving it. One last promotion out of the four will expire soon and again they will charge it to my credit card. Due to Macy 's negligence my credit card is over the limit and is creating a negative impact on my credit.

Macy 's will not resolve my problem and I am desperate my monthly payment is outrageous. I need help I want all that money to be returned to my account is not fair since I do not have the items.
Product: Credit reporting or other personal consumer reports

I been going back and forth with a company XXXX XXXX XXXX Experian XXXX and XXXX keep letting this company update my report as accurate when its not accurate at all I asked this company to provide the original charging instrument and the XXXX XXXX  showing the issuer of the funds and the holder of the funds and the company will not provide this information but keep updating my account as accurate and the XXXX credit bureaus havent done they part to make sure what Im requesting be provided
Product: Credit reporting or other personal consumer reports

There is a derogatory mark left on my credit report involving a LVNV account in the account off {$1900.00} in reference to an identity theft case matter. Where as it states under law codes 15 .U.S.C and 16 81/2 | did not consent to them not having the right to furnish any information occupying my credit report open due to identity theft. Neither did I give them permission to furnish this information to my credit report involving reference to law codes 15 U.S.C and 1618 B and would like this derogatory mark removed from my credit report!
Product: Credit reporting or other personal consumer reports

I am filling this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect mt true credit history. 

XXXX XXXX ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX XXXX ACCOUNT # XXXX XX/XX/XXXXXXXX XXXX  ACCOUNT # XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  ACCOUNT # XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I disputed the medical debt collections. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. I did not explicitly state this was the reason I was disputing the account. Confirmation number : XXXX. On XX/XX/2023 I disputed the medical debt collections again. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. These articles I have attached to the 2nd dispute. I called and spoke to one representative who did not know about Equifax 's removal of medical debt, sent to collections, and paid in full. I was transferred to a supervisor XXXX, who only verified my information and concern then dropped the call and did not call me back. I then called another time and was told to attach a cover letter outlining my request in addition to the articles I already attached as supporting documents. Confirmation number : XXXX On XX/XX/2023, I disputed the medical debt collections again, for the third time. It was still kept on my report even though Equifax has written articles on removing medical debt collections that are paid in full. I attached a cover letter explaining the removal of medical debt, paid in full, and in collections. I attached articles both to the cover letter and the dispute itself. Confirmation number : XXXX I called on XX/XX/2023 and spoke to XXXX XXXX I am at a loss and have no idea why these articles, published by Equifax aren't made aware to the dispute investigators, why the documents aren't being read, and how many more disputes until the new policy is taught to individuals. 

On XXXX XX/XX/2023 I applied for a XXXX XXXX XXXX card. I was told I was declined because of the EQUIFAX Credit report showing a Major Delinquency, the Medical Debt that is continuously ignored as medical debt in collections. The account, which should not be in my history has prevented me from attaining a financial product.
Product: Debt collection

I do not owe this company any money. In fact they owe me money
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their despite resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked Experian to follow suit by writing a dispute letter to delete an incorrect account and they didnt. Both XXXX and XXXX  have deleted the account. Its against the law to report inaccurate information on my report. It had to be the same across all XXXX bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to get pre-approved for a mortgage. 
My lenders can pull all the credit bureaus other than Equifax. 
I have also try several paying services to review my credit with all the major agencies. I was succesful with all of them but Equfax. 
I called Equifax 8 times in 3 days. I spoke with customer service, supervisors and fraud department. Every time it's a different story. In the end everything seems fine on their end. 

I have submitted several times copies of my driver license, social security card and bank statement as a proof of address. 

I have spent almost {$200.00} to get my equifax credit report. Everytime I get something from them it shows as blank. Like I have no balances. 

I have no idea where to go after this. This is making impossible for me to buy a house.
Product: Mortgage

Bank of America has not provided me with a written determination of appeal from their Appeals Department for the XXXX 2012 MHA HAMP timely appeal request. Bank of America has only informed me unofficially of their claim of a determination over the telephone, but have refused to provide the Bank of America Appeals Department determination to date. 
While I am in possession of Bank of America internal Appeal Report document and documentation issued by the Bank of America Appeals Department and uploaded to the borrower Home Loan Modification Status iportal, this does not satisfy the requirement set forth in Regulation X and California Civil Code 2920 - 2944.10.
Product: Credit reporting or other personal consumer reports

I am reaching outagainbecause my report continues to contain errors that should have been corrected long ago. These inaccuracies are unfairly lowering my score and creating unnecessary roadblocks in my financial life. It is incredibly frustrating to be held back by someone elses mistakes.
Product: Debt collection

Received letter on the XXXX  of XXXX, with the date of the XXXX  of XXXX. The amount is XXXX. I have been injured on the job due to a fun shot wound while delivering for XXXX. Since I can not work due to the medication and the fighting with Workman 's Comp Insurance am not receiving a paycheck. Discover Financial Services have pursued to litigation against me if I do not pay the debt by the XXXX  of XXXX.
Product: Credit card or prepaid card

First and foremost my unemployment benefits were put on this card without my consent. I DID NOT want this XXXX card to begin with. Now I am on a verge of getting the news company as well as a lawyer involved. I have been waiting on a card from money network for over a month now I was told XXXX XXXX my card would be shipped out on XXXX XXXX. I have yet to receive a card in which I have to wait on because my money can not be transferred to me any other way is what bs I was told. I am receiving unemployment in which I do not have any XXXX  money for anything at all. I am XXXX  which means Ive went a full month HUNGRY! No money no nothing this is totally unacceptable and XXXX ridiculous!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Someone pretended to be an event coordinator on XXXX and asked me to pay them the fees for a booth that I signed up for. I then paid them {$40.00} with {$2.00} fee on PayPal to their email that they listed. I didn't know at the time they were not the correct person. 
two days later, I got a message from the correct coordinator and she told me this other person was a fraud. 
XX/XX/XXXX I disputed the transaction on PayPal, it closed in the sellers favor. I tried contacting the fake " coordinator '' they are no longer communicating with me. 
I know it's only {$40.00} but this means this person is getting away with lots of other scams just like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency XXXX XXXX XXXX has a collections on my credit report. The collection was from XXXX XXXX which I have tried to explain that the charges on that card wasn't from me and that my account was hacked, then they sent it to collections after I refused to pay. 


The second one is XXXX XXXX XXXX and have no idea about the XXXX  thats on the collections report. 

The third one is Portfolio Recovery and they have a XXXX XXXX card that I have a card that I didn't pay off. This isn't true as I have a XXXX XXXX card that has a 100 % on time payment history and I only ever applied for one XXXX XXXX card not 2.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a ninety day late payments on an account that I did not open and had no knowledge of. The consumer reporting agencies have need to report all Information with complete accuracy. This account was report fraudulent back in XX/XX/XXXX. I've attached a copy of my report to this complaint on XX/XX/XXXX and XX/XX/XXXX. I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this Information can not be verified I demand these payments be updated immediately. This Information is only reporting on my XXXX Report. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES STILL REPORTING IN XXXX AND TRANSUNION : XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


TRANSUNION XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I went to transfer my XXXX  to a XXXX XXXX  and Coinbase refused to allow me to send my XXXX  anywhere. They said I could sell it and transfer money, but I am not allowed to transfer it. I have requested information as to why and the only answer I get is that I am unable to because of security reasons. I ask to speak to a supervisor and they say no due to security reasons.
Product: Credit card

I bought from a reputable seller on XXXX on XX/XX/year>2024 for the amount of {$540.00}. I was using the phone for 3 months with no issues and then one day I get the error " sim 1 not allowed '' on my phone which means it was reported as stolen from the original owner/carrier. I talked to the seller on XXXX and since it was so far outside the return window there was nothing they could do about this and recommend I file a dispute through my credit card company ( Chase ). I talked to XXXX about this too before I filed it and they also agreed that's my last resort. One month later chase finally gets back to me, they ask me to call them because they need more information, on the phone call they rejected my dispute because the phone was working fine when I first received it and because I bought from a third party site. The seller acknowledged that I should win the dispute because it was nothing that I did wrong on my end, and the seller isn't the original owner, they got this device from a big third party source that has these devices. They told me this " This phone was purchased from an XXXX certified supplier who actually can not sell lost/stolen phones to companies like ours. This company handles thetrade-ins for both XXXX and several USnetworks including XXXX. '' I've also attached proof from both XXXX support, XXXX support, and from the seller on XXXX. XXXX support was also useless which makes sense, this is an issue on the carrier side, not hardware/software. If I was asked to just return the phone and get a full refund I would have gladly done that to begin with but it wasn't possible.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXXXXXX XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX XXXX  XXXX - Account XXXX Account Name : XXXX XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several times today and I keep getting individuals that DO NOT SPEAK english very well, and refused to transfer me to an english speaking supervisor. Last week I was informed my credit freeze was temporarily removed, but when the mortgage lender attempted to run my credit it is still frozen. I have called 6 different times today and the reps refuse to assist, or keep giving me contradicting answers. First they tell me the freeze is lifted then they say it isn't. this is causing me a terrible amount of stress and anxiety, as I will not get approved for the purchase of the home if this matter is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. 

XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX {$0.00} Someone stole my identity. 
XXXX  XXXX XXXX {$2100.00} Someone stole my identity. 
DEPTEDXXXX XXXX {$3700.00} Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX  XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX  XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XX/XX/XXXX Someone stole my identity. 
XXXX XXXX XXXX {$0.00} Someone stole my identity.
Product: Mortgage

I was on the covid deferral. I spoke with someone on XX/XX/2021, who told me that my first mortgage payment after coming off the plan would be XX/XX/XXXX. I have sense spoke with 4 different people in regards to the bank stating I missed my XXXX and XXXX payment. I have also paid {$2000.00} on XX/XX/2021, that should have been applied to XXXX payment. They distributed {$1100.00} to XXXX and put {$890.00} in suspense, and are saying I owe XXXX and XXXX now. I advised that per the convo on XX/XX/2021 my mortgage shouldnt be due until XX/XX/XXXX and the rep advised she was sorry that I was told that and that we are human and make mistakes but that isnt true. If I was told this and it is recorded, why is this not being honored. Now I am worried that my home is going to be foreclosed on and This is going to impact my credit file.
Product: Vehicle loan or lease

I buy a brand new 2023 toyota XXXX  last year, and they insisted in adding extras extended warrantys, and windshild protection, and wheels protection. I say no to all of this but they insisted and toll me i would be able to cancel thme at any time, so when i try to cancel they said to wait longer until the process became solid, so i call back im about 2 months and still insisted in keeping this warrantys, so i like to get help on this situation because i feel like they abuse, for me to be a new and first buyer
Product: Credit reporting or other personal consumer reports

I reached out to Equifax regarding unauthorized inquires appearing on my credit report. I have spoken with several agents regarding this issue, and they said that the inquiries no longer show up on the report. However, I am still seeing 11 inquiries still on several credit monitoring sites. I was told that I currently have 0 inquiries showing on the report.
Product: Student loan

Navient has the worst customer service, and I dont say that lightly. For three months I have had the run around with them calling or sending an email to say my payment is late, when I have been told that my account is in auto pay. I have removed the account, re-enrolled, and been assured by my bank that everything is correct. I received confirmation emails that my application went through for automatic payments, and then the same cycle happens again. The last time I called customer service about this and expressed my frustration, the customer service representative belittled me and started talking to me like I was a child. When I asked for her to transfer me to someone competent, she yelled at me. Never in my life have I had to deal with such downright disrespect from people because I dont have the rights to transfer my service to another company without losing the benefits of my repayment history. Its downright abusive. I get anxiety now when I have to call them, knowing that I will be met with contempt on the other end of the line. I followed their so called self help section to rectify the issue to not have to deal with them, and it still hasnt worked. I would prefer to have someone listening on the line when I make a call to make sure they will treat me professionally and fix the issue once and for all so I never have to speak with them again.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX signed contract for a Solar Power System from, XXXX XXXX XXXX XXXX XXXX Contract states that the payment to this company would be done by Dividend Finance in two steps, or Milestones. Seller/Contractor meeting certain requirements related to the design and installation of the Collateral ( Milestones ). The first Milestone is the submission of an installation agreement, work order, or other document, if required by Lender, that provides the details of the design and installation of the Collateral ( Milestone 1 ). The second Milestone is the installation of the Collateral ( Milestone 2 ). Lender will disburse a portion of the Principal at Milestone 1 and will disburse the remaining amount at Milestone 2, and the amount disbursed at each Milestone will be based upon arrangement between Seller/Contractor and Lender. 

The system has not been fully installed or activated and Dividend Finance have paid XXXX XXXX XXXX XXXX XXXX the full amount of loan. This is a breach of contract.
Product: Debt collection

I owe a bill with XXXX XXXX I was paying on time until I was unable to pay and I called to tell them and agreed to pay when able. I couldnt pay cause my mom was losing her house and went into ICU do to XXXX XXXX. They put it on my credit report anyway. Someone served me papers during Covid at my home. and I called the rep. and they said it was paused. I told the rep I will pay, but was on XXXX and wasnt working. Now I have a judgment filed against me without them even reaching out to me. I just talked to a rep. last month and I agreed to pay what I owe. She told me that would not work for them. Now I have this judgment. This is not right. After covid they are bullying me when I kept in contact the whole time. They lied to me. I just started back working the end of XX/XX/2022. My house note is XXXXmonths behind and doing my best to catch up. Please see attachment for date and amount. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX  Account # XXXX, XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX violated my federally protected consumer rights to privacy and confidentiality under 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: Debt collection

Midland falsely claimed to have a default judgment. There are many procedural errors in the lawsuit they filed such as not serving me with notice before filing the lawsuit, fraudulently claiming it had served me at an address that does not exist, then reporting an account to the credit bureau that does not exist.
Product: Debt collection

HF HOLDINGS , INC. is reporting a collection account in the amount of {$6500.00} on my credit report. Not only have I not signed a contract to do business with this company, but they have failed to send me a validation of debt notice showing that I am legally required to pay them, which is a direct violation of the FDCPA. This means that they owe me {$1000.00}. I will be sending an invoice to collect payment, as well as a certified letter containing the above stated information.