23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX : Request for investigation to correct my Credit Report Penny Mac USA Loan # XXXX To whom it may concern : Two years ago I borrowed money from Penny Mac USA as a Co-Borrow. Last week I discovered that during the last 24 months, payments were not made timely and several payments had not been made at all. 

On XXXX XXXX, XXXX I was denied a home equity loan with XXXX XXXX. That was a Red Flag to me as I " have not '' been denied a loan in the last 25 years. 

As a XXXX I have spent my entire life protecting my credit. ( EXHIBIT A - See attached XXXX FICO score from XX/XX/XXXX at which time it was XXXX ) This has been hanging in my office for nearly XXXX years. 

I pulled my XXXX credit report. ( EXHIBIT B - See Attached ) Note that every debt without exception says NEVER LATE, with XXXX exception - Penny Mac USA. 

On Friday XXXX XXXX I immediately mailed a Cashier 's Check in the amount of {$7000.00} to bring this loan current. ( EXHIBIT C - see attached ) In the banking industry when a loan is delinquent or past due, " Best Practices '' would dictate notifying all " Co-borrowers '' if the situation was not immediately resolved by the primary borrower. 


According to the Bureau of Consumer Financial Protection, Regulation X, 7. Early Intervention with delinquent borrowers ( XXXX RESPA Servicing Final Rule. ) " Servicers must establish or make good faith efforts to establish live contact with borrowers by the 36th day of their delinquency and promptly inform such borrowers, where appropriate, that loss mitigation options may be available. '' Please note that this final rule does not say only contact with the primary borrower, it says " borrowers ''. Plural - BORROWERS The purpose of this letter is to inform you that I consider PennyMacUSA 's servicing ( handling ) of the above referenced loan has been GROSSLY NEGLIGENT PennyMacUSA " NEVER ONCE '' contacted me as the co-borrower regarding any late or delinquent payments. Not one phone call, Email or letter was ever sent to me, yet the delinquency was continuously unfairly reported to the credit agencies. 

I have made multiple ( seven phone calls ) to PennyMacUSA and they tell me they MAY have a policy ( protocol ) issue as it relates to contacting co-borrows but say they can do nothing to help me fix this situation. 

I am not sure what can be done at this point to my credit, but anything that I can do to assist you in helping me restore my credit would be greatly appreciated. 

Please feel free to call me on my Mobile ( XXXX ) XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation regarding Equifax Dispute Confirmation number : XXXX. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Equifax : [ XXXX XXXX XXXXXXXX ] [ Account Number : XXXX ] I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX XXXXXXXX and provide me with copies of any documentation associated with this account, bearing my signature. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.

In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification.

I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt this complaint may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : 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

XXXX XXXX  & TRANSUNION LLC are willfully neglecting and non compliant and continues to furnish Previously Disputed account items for inaccurate inconsistent unauthorized information on my Consumer Report. 2 US DEPARTMENT OF EDUCATION accounts begin in COLLECTIONS then Falsely OPEN showing {$0.00} PAYMENT RECEIVED yet CURRENT ; PAID or PAYING as AGREED. WHICH IS INACCURATE FALSE INFORMATION. ALSO SHOWS INACCURATE INCONSISTENT BALANCES, DATES OPENED & DATES UPDATED ON SEPARATE FILES SENT VERIFIED AS ACCURATE DISPUTED ITEMS ON THE SAME DATE. XX/XX/2023 Congress STATES the OBLIGATION for 100 % ACCURACY, PRIVACY and EXCLUSIONS FROM CONSUMER REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filled a dispute in regards to the incorrect items on my XXXX  credit report. it has been well over 30 days and I haven't received any investigation results.
Product: Money transfer, virtual currency, or money service

TO WHOM THIS MAY CONCERN : HI I'm XXXX and my cash app account was inaccurately discontinued in XXXXXXXX XXXX XXXX My cash app account email address was : XXXX and the cash tag was : XXXX Cash app closed my bank account without notice cause or reason. I've included the response from the company one of the many times I called highly concerned inquiring. I received again no explainable cause from Cash app. 

I missed receiving my XXXX dollar social security XXXX benefits because they closed my bank account inconsiderately. I went to the local office but nothing could have been done but wait until my check returned to social security from the closed bank account and the be processed for the new account VS. being able to cancel everything and proceed to new bank account immediately. I am still waiting to receive that payment Cash App. 

YES cash app was wrong for that! 

I'VE INCLUDED THE EMAIL CASH APP SENT ME RIGHT BEFORE DISCONTINUING MY ACCOUNT.
Product: Debt collection

This is a notice of dispute pursuant to the FDCPA, section 807 FALSE OR MISLEADING REPRESENTATION ( 15USC 1962e ). I would like to request full validation of this unknown account MT. XXXX XXXX XXXX 'S FILE NO. XXXX $ XXXX specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information. I HAVE NEVER DONE ANY BUSINESS WITH THOMAS & THOMAS NOR HAVE THEY PROVIDED ANY SERVICES FOR MY MEDICAL CONDITION LISTED IN THEIR BILL SENT TO MY JOB. I BELIEVE THIS IS DEFINITELY IS A VIOLATION OF FEDERAL
Product: Credit card

I prepay all of my bills in full whenever possible, without consideration for but always weeks before, and usually almost immediately- but never late. I don't send payments without having the funds, as I don't make purchases without knowing when I will pay for them in full. I made two payments on this credit card through the app as I do with this and all of my other cards. I checked and make sure on the card and saw that there had been returns. I checked my bank account to see if I had been hacked, and all of the money was still there. My bank returned the two payments because the credit card app submitted a wrong account number. I have been paying these bills for months and always on the app, and I have never changed the account number as I have had this account for 46 years. There was clearly a glitch in the app. I called XXXXXXXX XXXX where my account was and I merge them with Prosper the card company, and it was confirmed that I had the money in the account. The Prosper person understood that it was ridiculous that I was going to the app and change my account number. They put the transaction through again while we're on the phone, it went through without issue, without me doing anything to the account number in the app. Prosper has now reduced my dramatically reduced my credit limit, and is saying I need to pay a higher fee for this card effective next month. They're taking these actions as though my account was in arrears or that this was caused by me. I can't dump the card because I don't want to impact my credit, although they have already impacted it by reducing the limit. This is grossly unfair! The rep for prosper acknowledge they can see how I pay the bill early all the time. It says though I'm being punished for trying to keep my bill at XXXX dollars.
Product: Credit reporting or other personal consumer reports

The deletion or suspension of accounts stemming from a data breach or unauthorized inquiries is governed by the FCRA Section 605B, which addresses the blocking of information resulting from fraud or data breaches [ 15 U.S.C. 1681c-2 ], as well as the FCRA Section 604, which outlines permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 

I am writing to formally dispute the accounts referenced in my consumer credit report, which have arisen due to data breaches or fraud. I kindly request verifiable evidence containing my signature or electronic signature. This letter represents my personal request, and I urge careful consideration. These actions were undertaken without proper validation or original documentation from the reporting companies, constituting a violation of my consumer rights under the Fair Credit Reporting Act, specifically Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

Your agency is in violation!

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information in my file. I recently viewed a copy of a credit report, and I notice there are unauthorized credit inquiries made by the companies listed below.. 

To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed Inquiries were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Report Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the name, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing the credit inquiries, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized these Inquiries. I ask that it be removed immediately from my credit file. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 


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 XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed this account on my credit profile in XXXX and sent numerous letters requesting an original contract that this account was opened by myself. They never sent me a signed contract. This has been on my credit profile for far too long. I do not have a contract with Southwest Credit Systems or XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter explaining the inquires was unauthorize and a negative company on my report that I never dealt with or had any type of information from them but they reported a negative on my account. Also, I spoke to several departments about my updated personal information that was just updated but the inquires were unauthorized by me and the negative is all unauthorized hard and soft inquires are all unauthorized and these are stopping me to obtain credit In the future. I have a good payment history but all this information that is coming out the blue without my authorization is horrible. I have been a victim of identity theft for some time now. All around the world had me stopped because of identity theft or people saying add XXXX XXXX to their felonies. I could obtain a passport because of identity theft. There was no amount by the negative account with me because my account was paid with a regular bill. XXXX XXXX. Then there in hard Inquires on my account that I didn't authorize..
Product: Credit reporting or other personal consumer reports

XXXX XXXX closed my account and they are reporting late payments for XX/XX/2024 According to the Fair Credit Reporting Act 15 U.S. Code 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I am the consumer. 
I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 and states : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX : The financial institution and the consumer reporting agencies XXXX and Experian DO NOT have my consent, and they DO NOT have my written consent. Any and all consent to XXXX, Experian or XXXX XXXX whether it is verbal, non-verbal, written, implied or otherwise is REVOKED.

15 USC 6802 ( b ) ( c ) states : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Capital One/Walmart NEVER informed me of my right to exercise my nondisclosure option.

ALSO, 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting AGAIN WITHOUT MY permission, which is against the law.

15 USC 1684s-2 ( a ) ( 1 ) ( A ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 USC 1681 ( e ) states : " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states : " A consumer may exercise the right to opt out at any time.

" I AM OPTING OUT OF YOUR REPORTING SERVICES! ''
Product: Credit card

I received a collection call because on my credit card through comenity bank because my I had missed a payment. I advise the representative who contacted me that I would go online and make the payment myself. I then asked him if they offered automatic payments, to which he advised they do not. He then proceeded to attempt to verify my payment information that I have saved on my online account. He read to me the last XXXX numbers of the checking account and provided the bank name associated with the checking account that I have on file. I asked him why that was important and he advised that he was working to schedule the payment for me. I then advised that I specifically told him that I would make the payment online and that I wanted to speak to a supervisor. The floor Supervisor that I spoke with was extremely rude, continued to speak over me, advised that the representative would have verified the payment information and if I did not agree with the terms then it would not have been submitted. The floor supervisor attempted to justify his actions by stating that they are required to take a payment over the phone when they make a verbal contact. Also, she advised that at the end of the payment script, if I did not agree with the terms, then the payment would not be submitted. Based on my knowledge of the banking industry, I believe this to be a potential UDAAP violation. I then asked to speak with another supervisor. I spoke with a specialist and advised her of all of this. She advised that she would submit the complaint and provide the information to her management. I did advise that I would be filing a complaint with the CFPB regarding these deceptive practices. I am extremely concerned that this bank is submitting payments from verbal contacts illegally and request an investigation of their payment practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

RECEIVED NOTICE FROM PACER THE ENTITY THAT STORES US COURT DOCUMENT 'S RELATED TO COURT FILINGS... THE PUBLIC RECORD XXXX XXXX  HAS BEEN REMOVED AS THE UNITED STATES DISTRICT COURT ORDERED ... THIS PUBLIC RECORD SHOULD HAVE BEEN REMOVED AS DIRECTED BY UNITED STATES BANKRUPTCY COURT ... XXXX HAS FAILED TO PROPERLY INVESTIGATE THIS DISPUTE...
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several accounts that are appearing on my credit report. The accounts in question are as follows : XXXX XXXX XXXX, account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXXXXXX XXXX, account number XXXX, charge off account XXXX XXXX XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX XXXX account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX XXXX XXXX account number XXXX, charge off account XXXX XXXX XXXX XXXX, account number XXXX, charge off account XXXXXXXX XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX, account number XXXX, charge off account XXXX XXXX account number XXXX, charge off account XXXXXXXX XXXX XXXX, account number XXXX, charge off account XXXX, account number XXXX, charge off account XXXX XXXX  XXXX account number XXXX, charge off account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX, collection account I am disputing these accounts for several reasons, including but not limited to the following : The debts have already been paid in full and should not appear on my credit report. 
The debts have been settled or discharged through bankruptcy proceedings. 
The accounts do not belong to me and XXXX be the result of identity theft or a reporting error. 
The accounts contain inaccurate information or have been reported in error. 
I am requesting that these accounts be thoroughly investigated and, if found to be inaccurate or unverifiable, be removed from my credit report immediately. I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate any disputed accounts within 30 days and respond to me with your findings. 

Please let me know if you require any further information from me in order to investigate these accounts. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On Thursday XX/XX/year>, I was fraudulently coerced and induced by forced initiation into sending money to someone who wasn't who they said they were. The person was posing as my boss, gave me the impression that I had to make multiple purchases as a condition of my employment. These transactions were unauthorized and fraudulent in nature. My account was accessed as a result of fraud via smishing. I was directed to purchase XXXX XXXX Gift cards at {$250.00} each and asked to send pictures of the back of the cards, which included the gift cards number and pin numbers. He then asked me to repeat those steps two more times so in total I spent {$3700.00} at XXXX on XXXX gift cards. As soon as I realized I was scammed, I called Chase immediately to file a claim. I submitted all the information and details I had, including screen shots of the text conversation, time stamps, and amounts spent. After they investigated my case, they told me that since I was the one who physically made the purchases, Chase is not responsible for these transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sagestream somehow " verified '' I resided at an address I have never lived at and according to XXXX XXXX is actually XXXX University. 

How they came to this conclusion I have no idea. It's obvious someone confused XXXX XXXX, NJ with XXXX, NJ however Sagestream stands behind this erroneous reporting.
Product: Student loan

Private Loans requesting repayment after XXXX years default. 2001, Chapter XXXX, relief with private student loans listed. I thought these were discharged but they keep contacting me with pay requests. Do I pay even though private loans listed on bankruptcy?