23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 ( b ) I am writing to formally request the removal of late payment information reported on my credit file in accordance with Section 1666 ( b ) of the Fair Credit Billing Act ( 15 U.S.C. 1666b ). I have never been late on payments for the account : ( CCB/FAMOUS ) ( XXXX ) I believe that the late payment reporting is either inaccurate or was caused by circumstances beyond my control, which are protected under this statute. Specifically, 15 U.S.C. 1666 ( b ) requires that creditors credit payments to accounts on the date they are received and prohibits unfair reporting when payments have been improperly handled. 
Given these circumstances, I respectfully request that you investigate this matter and remove the inaccurate late payment information from my credit report. This correction would ensure compliance with federal laws and maintain the accuracy of my credit history. 
Please notify me in writing of the outcome of your investigation. Should you need any further information, please feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection has been paid in full and Equifax is reporting it like I owe this debt. I am writing to dispute U S DEPT OF ED/XXXX/XXXX XXXX on my credit report. The balance listed on the account is incorrect. Please delete the account.
Product: Checking or savings account

Someone stole my debit card in fraudulently charged several items to my credit card after I reported these charges to chase chase reimbursed me for partial of my items but did not replace my last item or refund it due to the XXXX  for our liability
Product: Debt collection

My information was keeled in the XXXX  / XXXX data breach and I would like my credit to be clean.
Product: Checking or savings account

On XX/XX/22 my account was hacked received a text called the bank filed a claim the bank then stated XX/XX/22 I cancelled the fraud claim and there was an investigation being done called the bank back employee stated they found my funds and should have my account back to normal in 48 hrs called the bank back now they are saying it can take 6-8 weeks my work checks are still being deposited my bills are getting behind and are being cut off I need help I have an account with navy federal credit union
Product: Credit reporting or other personal consumer reports

I requested a free credit report from Experian last week. The other two free credit websites I received a report no problem. 

I receive an error message from Experian and an XXXX number to call. 

I am unable to reach a human to talk to. The number is a complete waste of my time. 

I am unable to make any progress at all to figure out why my account is receiving an error message.
Product: Credit card or prepaid card

Pay pal credit closed my account because there was fraud associated with my XXXX account. Someone changed my address to a fraudulent address, I had to make several phone calls, at leasdt 6 hours worth!!!! They, and XXXX, were of no help to this mess! 
I called the XXXX, NY post office, and they found the items, and they are returning them to the sellers because they VERIFIED THAT THEY WERE MAILED TO A FRAUDULENT ADDRESS!. Now Pay pal, will not open up my account, when I took care of the problem myself, with no help from them!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
I want that accouont opened now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX XXXX XXXX and was notified that someone used my info and credit for a hard inquiry to this company : XXXX - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX when i tried to call the number a few times and left messages I got no return calls back. I need to file this dispute with FTC so that I can fw the request to XXXX to have the inquiry removed. 

I have since froze my credit until I can get this rectified.
Product: Money transfer, virtual currency, or money service

HEALTHCARE RECEIVABLES GROUP are using name, address and Social Security number for ordering money fraudulently, and has taken the signature and the instrument like it belongs to them and trying to collect. I do not know who this company is I have not authorized any use of this information for money order and they're causing defamation of character, they are continuously doing this action every other month or more. 
I have had a conversation with XXXX XXXX XXXX XXXX and XXXX XXXX and even XXXX XXXX however they continue to do the same thing over and over. 
HIPAA stands for the Health Insurance Portability and Accountability Act, and it is a law that was enacted in XXXX  that protects patient confidentiality, makes it easier for individuals to keep health insurance and provides security measures for confidential health care information, according to the state of XXXX XXXX XXXX XXXX. HIPAA also helps to control administrative costs within the health care sector.
Product: Credit card or prepaid card

ello my name is XXXX XXXX i from XXXX XXXX in live in XXXX XXXX i had some one take unauthorize money out of account with nets pend XXXX bank out of XXXX TX for total of {$3600.00}. Netspend blocked my card on XX/XX/XXXX and notified me on XX/XX/XXXX via email that there was a account issue to call the fraud department. I called the fraud department i asked what's going on what happen to my money he states there was some with draws from XXXX XXXX bank. I was working and they took money starting on the XXXX before netspend blocked my account. I filed a dispute claim Number # XXXX and they told me it will take 10 days for me to get my money and i will get a response by XX/XX/XXXX. the days comes and the come back with they didn't have error some hank my account some how and the money is mines my taxes and work check they even took that also. I read their XXXX  reviews and this happen to people and they have to fight to get the money back. I need help and getting my story herd and help with getting my money back due fraud. I am a single mother and trying to have funds for hard times or good times and i been with netspend since XXXX and i had my card for a year and this never happened to me and they are acting like it's not a big deal and i need to let my money go please help me. I filing a police report, i have my time card showing i was at work when my funds was being taken out of account. They even took money out in California and i am here in XXXX XXXX and the bank doesn't find error after their investigation, i need cameras pulled and for them to prove to me i authorize this because i wasn't aware at all and i am heart broken about my money, Respective told me my case was close and can't be reopen. I had to go weeks with money. XXXX lost my card they didn't want to express me card for the {$25.00} fee was trying to make me pay when i never received the card. I asked for a manger and she assured me she will send me a card, come to find out she didn't and the rep had to send me another card and i had to wait into XX/XX/XXXX to finally get a new card. They been so careless about my money i did dispute in the past for {$20.00} XXXX dollars and got that back so i am only made to believe this is true theft. I cant stop crying or worrying about my hard earn money please help me get my money back.
Product: Mortgage

I got the mortgage with Pennymac home loans in XX/XX/XXXX. The property I bought is an investment rental in XXXX XXXX TX. Renters occupy the property. I reside in Colorado. 

I was laid off from my job in XXXX XXXX XXXX so I had no income. Also XXXX XXXX TX charged inflated property taxes of over {$9000.00}. This went to my mortgage escrow which made the monthly payment jump up to {$2000.00}. The rental payments were non existent since I had trouble finding a renter for the year until XX/XX/XXXX. ( The current rent doesn't even cover the mortgage ). I have been bleeding my hard- earned retirement account dry making the payments. 

I called Pennymac for help in XX/XX/XXXX. They said I should apply for a loan modification, which I did. After hours of filling out their forms and finding and sending documents to them it was finally in process. In XXXX XXXX XXXX I called to check on the status. I was told that if I didn't default on my payments the system would deny the loan modification because it would see that the payments were timely. So I purposefully stopped my current payment. Next thing I knew the loan modification was denied because they do not cover NON-OWNER OCCUPIED properties. No one bothered to tell me this in the first place! Anyway, I went ahead and made the mortgage payment which ended up being late. It was actually the second of two late payments.

In the meantime, I wanted to have them cancel the escrow so my property manager and I could work directly with XXXX XXXX to dispute and lower the property taxes each year. PennyMac refuses to cancel the escrow because of the late payments. This after they actually basically TOLD me to default on my payments while it was in the loan modification process! I argued my point with a manager for half an hour to no avail. They won't release the escrow. Also, they keep trying to have me talk to collections to get some kind of program to help me, even though I have already been told by their collections department that they don't have any programs to help a non-owner occupied property loan client. It's like they are just pushing me off on someone else so they don't have to deal with me.

I have never been treated so unfairly and with such little respect.
Product: Checking or savings account

ON XX/XX/XXXX MY ACOUNT WAS HACKED BY SOMEONE IN FLORIDA AND ON THE XX/XX/XXXX A TOTAL OF {$4000.00} WAS DRAFWTED OUT OF MY ACCOUNT AND DEPOSITED IN FLORIDA. WORKING WITH BACK OF AMERICA {$1000.00} WAS REFUNDED BACK TO ME BUT {$3000.00} IS STILL BEING DENIAD. On XX/XX/XXXX THE PERSON IN FLORIDA CHANGED MY MAILING ADDRESS TO THEIR ADDRESS AND ORDER THEM SELFS A REPLACEMENT DEBIT CARD WHITH BANK OF AMERICA EXPRESS SHIPPED TO THEM. PERSON SIGN XXXX TO GET CARD AND PRECEEDED TO ACTIVATE DEBIT CARD AND TRAMSFER FUNS INTO A XXXX XXXX XXXX IN XXXX FLORIDA. NOW AFTER SENDING THE PERSON MY PERSONAL DEBIT CARD IS DENYING MY CLAIM FOR THE {$3000.00}. I NEED HELP
Product: Credit reporting or other personal consumer reports

I checked my report XXXX noticed some accounts that are not mine I never opened these accoun ts and have asked fo info on how were they opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following Accounts have violated my rights : 1 ) XXXX XXXXXXXX XXXX  XXXX ( Also listed as XXXX XXXX XXXX  ), Account # XXXX, Amount {$950.00}, Date Opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX, Account # XXXX, Amount {$2000.00}, Date Opened XX/XX/XXXX. 

3 ) XXXX XXXX, Account # XXXX, Amount {$0.00}, Account Opened XX/XX/XXXX, Closed Charge Off. 

15 U.S.C. 1681 Section 602 A States that 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: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), yo

u may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter 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 Please remove all inquirie
s from credit report which are not belong to me.
Product: Mortgage

I tried to get a VA home loan through PNC bank, I was told to go outside my branch to XXXX NJ and got XXXX XXXX, he was unhelpful and did assist me what so ever, so I filed a complaint with the escalations team and was assigned a national loan officer XXXX XXXX via email, i was pre approved and asked for a letter for a certain amount that was to be my offer, she sends the FULL amount I was approved for, which is not what I asked for, she says to me that i can use that just not pay that for the home!? this is loan 101 no no, I told her she was wrong and I want the letter I asked for, she sends me this child like word doc with PNC n her name typed with the loan amount, that loked so fake and unprofessional, I told her this and she argued it doesnt matter, I said it does, she refused to get me the color copy which is the official pnc one, but i sent to the realtors and of course I was laughed at and it XXXX off the seller as they thought it was fake too! I file another complaint, then was assigned XXXX XXXX, who told me he likes Vets and will help me! he sent some stuff I needed but then when I asked questions he REFUSED to answer, REFUSED to email me back, then later REFUSED to call me back!! he also aprroved me for XXXX, he DID have the address and the tax info and my INCOME info, he said proceed with the sale, i was at inspection phase and he sends me a letter for XXXX, but wont cal me or email me why. I filed another complaint and got XXXX XXXX his boss, he took over, then REFUSED to answer questions i had on the loan and ones asked by the realtors, I asked ovr n ovr and was ignored over n over! I filed many more complaints via the escalations team, and neither XXXX nor XXXX would reply to me n answer questions. I then was MAILED an approval letter for XXXX?!!? WHY?!?! NO explaination, no call no email, yet was told to buy the house! I filed another complaint, it went nowhere and I was told they dont have to answer questions! I then got another executive manager to look into this, she tried but came back with lies and no answers. all she did was tell me the lies that the loan officers told me! she said they said they didnt have the address or tax or income info which was a lIE as i never asked for the loan without providing that info as that was the ONLY home I bid on! I told her this and she got snippy and still never got me the naswer why my approval went down that HUGE amount! on top of the super unprofessional behavior of pnc mortgage team. I reached out to my branch for help and they refused to help too. this was XXXX - XX/XX/2020. I have many emails asking for HELP on this matter.
Product: Credit reporting or other personal consumer reports

I have an auto loan on my credit from XXXX XXXX  ; XXXX XXXX XXXX, for roughly XXXX. That vehicle was totaled and payed off in XXXX 2024, I need this vehicle taken off my credit because it is payed off, the account is non existent and I do not make payments on it as of XXXX because it was totaled and payed off by my insurance and their XXXX  XXXX. This is affecting me negatively when my insurance payed them! And they said they were just waiting on their title back to them in the mail.. that shouldnt be negatively affecting me because the XXXX  hasnt sent them their new title back. The account is no longer existent, you cant look it up in their system because it was written off yet they say they cant fix it on my credit!
Product: Credit reporting or other personal consumer reports

I checked my 3 credit reports for thr first time and noticed i had unathorized accounts that are not mine and unathorized inquiries, this was not me someone used my information to apply - ACCOUNT XXXX XXXX - XXXX - NOT MINE - INQUIRIES - 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 XXXXXXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX THIS IS NOT ME AND I HAVENT APPLIED ANYWHERE please see attached
Product: Payday loan, title loan, or personal loan

I took out a loan through XXXX. I received the money. I was struggling financially and could no longer afford the payments on other payday loans I also had taken out. I reached out to a debt relief agency. A Cease and Assist order along with PoA was sent to the company on my behalf from the debt relief agency. Since doing so, I have been receiving 5-10 calls per day from XXXX. I refer them back to the debt relief agency, but still receive multiple calls. It is becoming harassment at this point. I have attached the document specifically telling the company that they are no longer to contact me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account with Ally Financial that was reversed in my favor but I have had no increase from this being taken off my credit score. This account is showing on my credit history as a XXXX XXXX  account and is killing my credit. I would like this to be removed completely off my score and score increased from the negative reporting it has caused on my credit. Thank you
Product: Credit card

I bought XXXX XXXX  and freezer on XX/XX/XXXX by my Amex XXXX  XXXX  amount of {$8300.00} and delivered on XX/XX/XXXX to my house Amex XXXX  XXXX XXXX  term and conditions state that the XXXX  XXXX  company provide a warranty in case a problem occurs with the product after purchase but Amex cards are avoiding compensation or warranties for this issues I hope for resolution for this issues soon
Product: Checking or savings account

After reviewing my XXXX report I notice a XXXX  account I am not familiar with. I notice a XXXX XXXX account that I do not have access to. Please find attached the letter of me sending to XXXX requesting validation in which I did not receive it.
Product: Checking or savings account

They block access to my account when overdrawn from everything online I can not view my statements when my account is overdrawn and they refuse to acknowledge the problem.
Product: Money transfer, virtual currency, or money service

PNC will not allow XXXX to link to my account. It has worked in the past until they made a change preventing my account to fully sync. This has created a loss in revenue due to XXXX  being an investment account. PNCs action was unapproved by me. I am currently able to have automatic deposits into XXXX, but PNC wont allow roundups, small irregular deposits Into XXXX, to be taken out.
Product: Debt collection

This letter serves as my formal and final written request to remove the following accounts from my credit report, effective immediately. The accounts listed below have not been verified in accordance with the Fair Credit Reporting Act (FCRA). Despite previous attempts to obtain proper verification, you have failed to provide me with any original documentation as required under: Section 609(a)(1)(A): A consumer contract bearing my signature.  Section 611(a)(1)(A): Proof of an investigation and verification of the disputed information.Additionally, under Section 611(5)(A), the FCRA explicitly requires you to promptly delete all information that cannot be verified. This failure to comply violates my rights under the FCRA, and I consider this negligent noncompliance. As such, I am prepared to pursue litigation under Section 617 to enforce my rights.I demand the immediate deletion of the following accounts: 1. XXXX XXXX XXXX  Account #XXXX (Unverified)2. XXXX  Account #XXXX (Unverified)3. XXXX XXXX  Account #XXXX (Unverified) 4. XXXX XXXX XXXX Account # N/A (Unverified) 5. XXXX XXXX XXXX Account # N/A (unverified) 6. XXXX XXXX XXXX Account # N/A (unverified) Failure to comply with this request and provide me with adequate verification will leave me no choice but to pursue legal action against the credit bureau and the CFPB for failure to follow federal guidelines. I am a litigious consumer, and I will not hesitate to file suit to ensure my rights are upheld.I request your immediate attention to this matter and expect a written confirmation of the removal of these accounts within 15 days of receiving this letter.
Product: Debt collection

On or about XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, my daughter XXXX was taken to XXXX XXXX. On both occasions we were fully insured, in fact in XXXX, we had double insurance. XXXX XXXX XXXX, contacted me regarding this debt on or about XXXX XXXX, XXXX. I responded to his notice on XXXX XXXX, XXXX and advised him that his notice was both deficient and improper and requested validation of debt. XXXX XXXX did not provide verification as he is mandated to do under federal law nor at anytime did he make me aware that all he needed was insurance information. On or about XXXX XXXX, XXXX, XXXX XXXX filed a complaint, knowing that I disputed the debt. I was never served with the complaint and then on XXXX/XXXX/XXXX he moved for a judgment and a writ of execution without ever serving me with those papers so that I could request a court date and dispute this process. A call to my insurance company reveals that these XXXX debts were never submitted for payment and in NJ this company is under contract with my insurance and is not allowed to bill me until after the claims are first submitted to my insurance. My credit is ruined as a result. If XXXX XXXX has responded as he is required to do under federal law I could have provided the necessary information. He is clearly in possession of the information necessary to provide verification as he provided to the court when he filed for a writ of execution.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent Experian a letter requesting that they investigate a Bankruptcy on my credit report and provide me with the company they are using to verify this Bankruptcy. 

On XX/XX/year>, Experian sent me an email with a link to the completed results. After clicking on the link, I discovered that Experian has not revealed the company where they are supposedly verifying this information. Instead it reads, " The company that reported the information has certified to Experian that the information is accurate. '' They even advised me to contact the company that verified the information to dispute it with them. What company are they advising that I contact when they have not provided me with that information? Who is Experian supposedly verifying this information with as accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  via Equifax Mortgage was authorized to only do a Hard pull on my credit report once on the date of XX/XX/2023 XXXX XXXX  via Equifax Mortgage did a second hard pull WITHOUT my permission on XX/XX/2023. This hard pull was unauthorized
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off from my job because of XXXX so I was kind of struggling in paying but I still did I was late and I still want these to be removed because I'm planning to get a mortgage and I know that these lates will affect my credibility.