23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PennyMac purchased my mortgage from my original lender a few months after I purchased my home in late 2013. Since then I have experienced numerous issues with Pennymacs loan XXXX They overestimated in XXXX year and underestimated in the next year the amount of money I would need in escrow to cover my mortgage and property taxes. This put a significant strain on my finances when I realized that my new monthly mortgage payment would be nearly {$400.00} more per month than it had been at the origination of my loan and XXXX later my payment due skyrocketed from {$1400.00} a month to {$1700.00} a month. I was made aware of this a month before the new payment was due which is not a significant amount of time for any household especially a single income household. This put a significant strain on my finances. In addition I 've noticed in the last XXXX months that even though I mail my payments in a week to two before they are due, because of PennyMacs extremely slow payment processing times they always process my payment after the due date and punish me by charging me a late fee when it is not my fault. Even when I mail in the payment for the monthly payment and late fee the next month it will show that the late fee was never paid. When clearly the checks I 've been mailing are for significantly more than the minimum payment due. And I specify on most of the checks that the late fee is included. These predatory lending practices are unfair and I could see them leading to loan default for most consumers if an adequate financial cushion is n't maintained on a monthly basis to cover for Pennymacs deceptive loan practices.
Product: Consumer Loan

Earlier this year, as I was attempting to clean up my credit report, I noticed a couple of adverse items. XXXX of these items was from Wells Fargo. There was an open account with a balance of over {$7000.00} from XXXX. There were no late payments and the report indicated that the monthly payment due was {$0.00}. After investigating, I found out that this was for a car loan I had co-signed for with my now ex-wife about a year before we divorced. I contacted my ex-wife and found out that the vehicle in question had been in an accident, totaled by her insurance company and the balance paid off in it 's entirety. Since no activity was showing on this account since XXXX ( over 6 years ago ), I disputed the item with the credit bureau to have it removed from my report. 
When the credit bureau contacted Wells Fargo in XXXX, Wells Fargo instead of clearing the account or marking it as paid, they charged off the balance to {$450.00} and then " wrote off '' the remaining balance. Whatever they did to " balance their books '' caused an even further adverse affect on my credit report, causing my credit score to decrease XXXX points overnight in XXXX. 
I contacted my bank about this situation, and they informed me that what Wells Fargo did was illegal, and they gave my the information to contact you.
Product: Debt collection

Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX {$13000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of XXXX. 
The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section XXXX part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A ) & Section XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified XXXX Mail tracking in case needed to pursue further legal action. 

I demand the following accounts be verified or removed immediately. 
XXXX. This Account is in violation of XXXX XXXX code XXXX ( XXXX ) for consumer right to privacy.This bankruptcy shouldn't be on my credit/consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX XXXX XXXX XXXX  Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I reached out to Experian via certified mail to inform them that inquiries were on my credit report that I didn't authorize, and they released my personal credit information without my consent. Experian responded by sending me a letter stating that inquiries are factual and will remain on my report for 2 years. I sent another letter to Experian requesting proof that I authorized the release of my personal credit information to the unknown sources listed in the inquiry section of my credit report. Experian responded by sending me an identical letter to the first one which leads me to believe that this incident was never investigated, and Experian is sending out automated responses to consumers. 

The following unauthorized inquiries are listed on my Experian credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent mutliple complaints to the credit reporting company about incorrect information and they keep acusing me of using a credit company when the information is being sent directly from me about the incorrect information on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  vs  XXXX  's  XXXX . I have contacted  XXXX  's over  20 times to   remove a 30 day late on 10 years of membership. I was treated cruelly by Customer Service Reps. The late reports as  XXXX    XXXX  . I have repeatedly explained that I have never made a late payment on any account on my report. At this time in   XXXX  , my brother had recently died young and horribly from  XXXX   XXXX . My mother was in final stages off   XXXX   XXXX   XXXX  and I was caretaker. My daughter was volunteer teaching on the remote   XXXX   XXXX   XXXX   in SDakota. I got an emergency call that my daughter was extremely ill and needed to be taken to a real hospital ( not medicine man  ) imme diately. I did that but brought the  XXXX  bill with me and sent it out on time. I have been repeatedly told by  XXXX  that the death of the family members at that time was not if any importance to them. They said my fear to be with my daughter across the country on a reservation with third world country health care, was totally inconsequential to them. Every time I asked for a goodwill adjustment due to so much health  XXXX , they said  XXXX   XXXX   XXXX  has no good will. It is possible that because it was sent from   XXXX   XXXX   XXXX  , it could have been delayed. M y credit score has   been severely damaged by this but my faith in people is damaged as well. I have never been spoken to in suc h s demeaning  way, emohasizing that their payment was worth more than the lives of my brother, mother and daughter. I am crying as I write this and cried many times after speaking with their ultra disrespectful customer reps. Please help me so that all this torment leads to the removal of that negative information. I am buying a house and I look irresponsible by being late.  XXXX   XXXX  never did show proof that it arrived late but just kept saying that they absolutely would not remove derogatory no matter how many died or the fact that I never paid late in 10 years. The customer representation at this company is inefficient and inhumane
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT AND NOTICED I HAD UNAUTHORIZED COLLECTION FROM XXXX XXXX XXXX XXXX WITH ACCOUNT NUMBER : XXXX OPENED ON XX/XX/2023 FOR {$7900.00} ON XXXX XXXX EQUIFAX ACCOUNT NUMBER : # # # # # # # # XXXX ON XX/XX/2023 FOR {$7900.00} AND ACCOUNT NUMBER : XXXX ON XXXX  ON XX/XX/2023 FOR XXXX. THAT I DO NOT RECOGNIZE I BELIEVE SOMEONE MAY HAVE APPLIDED FOR SOME THINGS IN MY NAME AS FRAUDULANT.
Product: Credit reporting or other personal consumer reports

I provided both XXXX and Experian 1 ) UCC11 - showing no debt exists ,2 ) Identify theft report showing my information is being used without my consent, 3 ) Opt Out letters - showing i revoked or rescinded any and ALL implied permission to creditors that were sharing or collecting my information without my permission and they still allow them to report in violation of FCRA and my written requests, ( see attached Documents ) all documents were sent certified mail and received but were ignored and not investigated at all, they have allowed creditors to report incorrect information for years damaging my credit and causing myself and my family to lose opportunities and pay higher costs for goods and services. both XXXX  and experian are trafficking in my information for profit and therefore continue to violate FCRA in favor of the companies that pay them. 
they have allowed a bankruptcy to be reported without verification or validation as the courts DO NOT communicate with agencies, that means they paid for consumer information and posted it without consent or verification ( see attached )
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Blocking Inc. ) due to inadequate customer service and unfair practice, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and affective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I contacted paypal on multiple occasions to file a claim against a seller who is registered with them to receive payments in exchange for services sold online. I placed an order with an authorized Paypal seller, XXXX on XX/XX/XXXX. The transaction payment was processed through Paypal on that date. On XX/XX/XXXX, Paypal sent me an email to notify me that the seller provided XXXX tracking details. When I viewed the XXXX tracking details they indicated that the package was delivered on XX/XX/XXXX. The XXXX tracking portal only confirms delivery to the city, state and zip code. XXXX does not provide complete delivery information such as address and recipient name via the online tracking number portal. I did not receive this package. After receiving no response from the seller XXXX, I contacted Paypal, as they provided the tracking details. I notified Paypal that I never received the package. Further I notified them that I had contacted XXXX to confirm that the recipient and sender details associated with the tracking number do not match my information ( as the receipient ) or the seller XXXX ( as the sender ). This information is available to XXXX employees, but not via the online tracking portal. I expressed my concerns that the seller provided a stolen tracking number with the intention to make it seem as though they sent a product to me that they did not ship. Paypal will not further investigate my claim on the basis that a tracking number was provided that confirms delivery to my city, state and zip code. I asked Paypal to verify with XXXX that the full recipient details do not match mine, so that they could recover the funds that they paid to this seller and they are refusing to do so. I am escalating this complaint to your agency because this is a growing scam that is affecting many Paypal customers and they are not willing to do more to investigate the claims of customers in order to resolve these instances of fraud. 

The transaction details are as follows ; Customer Transaction ID : XXXX Seller name : XXXX Seller Web address : XXXX XXXX Date : XX/XX/XXXX XXXX Tracking ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting on the evening of Friday, XX/XX/XXXX through Sunday, XX/XX/XXXX I attempted to go online and call XXXX XXXX to make my mortgage payment for XXXX. The online system did not recognize my account number after multiple attempts. The automated system kept looping around and never went to the point where I could choose the option so I could make my payment over the phone. I attempted to reach someone at XXXX on Saturday XX/XX/XXXX and Sunday, XX/XX/XXXX via phone and sent and email through their website expressing my inability to make my payment online or over the phone. I never received a reply back from XXXX. Finally one Sunday, XX/XX/XXXX I was able to log on to my account online, but the system kept putting my payment date as XX/XX/XXXX which was incorrect. I did not make my payment at that time since the date was incorrect. I called XXXX first thing in the morning on XX/XX/XXXX and explained my delemia to and what occurred over the last few days. They explained that they had been closed over the holiday and took my payment over the phone. I was told that unfortunately I would be reported the credit bureaus for having a late payment and that it was my responsibility to know that they were closed over the previous days. I informed them at that time that I would put in writing what occurred so I could have this removed from my credit report since they were having a problem with their system. I monitor my credit on a monthly basis and the next time my credit report was updated it reflected a late payment on my account with XXXX XXXX, so I put in writing what occurred and sent letters to all credit reporting agencies and to XXXX XXXX. I never received a response back from my email or my letter to XXXX. I did receive a response back form XXXX and Experian, but I didn't get a response back from XXXX  either. Experian did remove the negative reporting from my credit report but Experian did not. I call XXXX to inquire as to why they never responded back to me and they said I needed to send them another letter with a copy of my credit report to them and someone would get back to me. I made a second attempt to contact them to try and resolve the issue over the phone and spoke with XXXX XXXX in the resolution department on Monday XX/XX/XXXX and explained to her what occurred and she said she would speak to her supervisor and explain what occurred and they should remove the negative reporting. She advised me she would call me back within 48 hours. She never called me back so I called her back on XXXX XXXX and left messages, she never returned my calls. On Monday, XX/XX/XXXX I called her back again and she answered the phone and informed me that they were not going to remove the negative reporting from my credit report. During this time I did receive a refund from XXXX  for my late fee in the amount of {$98.00} which I never requested, I only requested for this to be removed from my credit report, I owed them the {$98.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate personal information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681. The information on my report contains errors that need immediate correction. Below, I have provided correct information that should be reflected on my credit report : Name : This my legal name : XXXX XXXX. 
Date of Birth : XX/XX/year> Address XXXX XXXX Lakeside XXXX XXXX, XXXX, FL, XXXX. 
These errors have caused significant inconvenience, and under the FCRA, I am entitled to have this information investigated and corrected. Section 611 of the FCRA, 15 USC 1681i, requires that you conduct a reasonable investigation into my dispute and correct any inaccuracies or delete unverifiable information.

Please find enclosed the following documents to support my claim : A copy of my identification [ e.g., driver 's license, passport ] showing my correct name, DOB, and address.

A copy of my bank statement I request that you : 1. Investigate the inaccuracies and correct or delete the incorrect information. 
2. Update my credit report to accurately reflect my correct personal information.

3. Provide me with a copy of the updated credit report once the errors have been corrected.

4. Inform me of the outcome of your investigation within 30 days, as required by law.

Please note that failure to correct these inaccuracies may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these issues have been resolved. 
Sincerely, XXXX XXXX
Product: Mortgage

I had XXXX on my XXXX  so I'm out of work for 6 to 8 weeks I asked for a deferment on my home instead they are looking at losing my payment among other things and causing the process to go longer they kept asking for documents even ones I had already sent it was supposed to take 3 to 4 weeks it has been longer and now it hit my credit report lost XXXX points because they reported my home delinquent if they would have done what they were supposed to do this would not have happened I asked them before it was even late
Product: Checking or savings account

I open the bank account on XX/XX/2023, I made few transactions no more than {$5.00} then on XX/XX/XXXX I deposit {$100.00} into my account, I went to the store to make a transaction and it was declined twice I was trying to get my son some work shoes. I went to the local branch they couldn't assist me I talked to about XXXX different representatives they keep giving me a generic answer that my account is in review and my funds are frozen I can only deposit money into the account. I message the chief executive, he haven't reply back either, I just want my bank account unfrozen
Product: Credit reporting, credit repair services, or other personal consumer reports

I no longer reside at any of the following addresses : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These addresses are on my credit report # XXXX Need these addresses removed immediately My only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please update soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.

These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed : {$0.00} US DEPT ED XXXX Balance Owed XXXX {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 states a consumer reporting agency can not furnish a account without my written instructions