23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have started the process to file XXXX XXXXXXXX and signe the petition on XX/XX/2023. I have had repeated calls and text messaged from XXXX XXXX threatening legal action/direct refusal. I called and spoke with XXXX. i explained again that i was in the process of bankruptcy to stop calling me, my job & sending email. He was rude and curt and hung up and speaking super fast that he would take note.
Product: Mortgage

I refinanced my two rental properties, both single family residences that I used to live in, through PennyMac in XXXX. Between XXXX and XXXX, I transferred ownership of these two properties to an LLC as a separate rental property business, which I confirmed is allowed by my refinancing as a XXXX XXXX loan because my husband and I are the only two beneficiaries of the LLC. I confirmed this with an attorney, and with PennyMac prior to transferring. PennyMac gave me their approval in an email in their secure message center online, which is the only way I have to communicate with them for a paper trail. They do not provide an email address. However, they delete correspondence from the message center after a period of time, I'm guessing two years. Luckily, I kept a copy-and-paste of it. 

Now that I've transferred the properties officially, they are refusing to pay for the insurance and property taxes to the County because the name of the bill is in the LLC and they wrongly denied me the transfer. 

At first, I received a message that said the transfer wasn't allowed, which contradicted what I was told prior to transferring. Then I called, and the person on the phone said the message writer was wrong, and sent it back to the same department to re-review. However, the taxes are now past due and PennyMac is sending me threatening letters accusing me of not insuring the property ( which is untrue ) and that they will select a hazard insurance policy for me because the bill hasn't been sent- but the bill has been sent by both the County and the Insurance Company in the name of our LLC. Their delay in recognizing the transfer is also delaying the payment of taxes and insurance. 

I have tried following up several times but there is no email address, no one person handling my case, and the secure message center doesn't notify me when there are responses. When I call and talk to someone reasonable, there is no paper trail to confirm what was said. 

If they proceed with forcing a new insurance policy on me, then I will be double-billed for the insurance, when this appears to be their mistake. I have sent documentation of all of this to them but they are not replying in a timely manner, and not honoring the terms of our agreement, nor their original message that approved the transfer. I feel stuck and helpless.
Product: Consumer Loan

WHILE PURCHASING A VEHICLE, I WAS TURNED DOWN BY ALL THE BEUARAUS BECAUSE MY SOCIAL SECURITY NUMBER HAS BEEN REPORTED THAT I AM DESEACED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit Bureaus to not comply with the FCRA regulation specifically the FCRA section 605b and continued reporting the disputed fraudulent information on my Credit File without proper verificvation! I am now submitting this complaint to request another investigation and this time, I need the items removd from my Credit File completely! By continuing reporting the disputed items without proper verification the Credit Bureaus have violated my rights, a consumer 's rioghts under the FCRA. It makes me wonder if is it only me who is experiencing this kind of mistreatment or there are a lot of us? It would be disastrous if a lot of consumer is experiencing the same problem as mine. Under the Federal Law, FCRA Section 605b, the Credit Bureaus must remove any account or information that resulted due to identity theft. The followin items were incurred due to fraudulent activity and must be removed as quick as possible : XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX Balance {$6200.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX Balance {$0.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$19000.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX XXXXXXXX Balance {$9700.00} XXXX XXXX XXXXXXXX Balance {$6500.00} XXXX XXXX XXXXXXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Willful noncompliance : I file a complaint, and Equifax didn't properly validate the debt
Product: Debt collection

Disputed my debt with Resurgent Capital Services, L.P. and requested multiple documents for verification and still have not received a proper response. They keep sending me statements from someone else 's debt and it needs to be deleted off of my consumer reports since its been past 30 days. They say it's been verified but providing a statement is not proper validation. They are knowingly being negligent and violating the FCRA and need to be held accountable for not being as accurate as they, by law, are supposed to be.
Product: Debt collection

I am writing to dispute the following information in my file. I have reviewed my credit report and identified inaccurate or outdated information that I would like to have corrected or removed under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.
Product: Checking or savings account

Hi I need help with this issue. 

I spoke to XXXX XXXX at XXXX on XX/XX/2020 for advertising with yelp. She said she would set me up try to the advertising for the weekend for free. If I wasnt happy with the services I could cancel and would not be charged. Her and her associate XXXX XXXX kept harrassing me about these services till I gave in since it was free. I was charged {$53.00}. Even though I cancelled the services before the weekend was over. I am not working and business is slow this is why I was skeptical about signing up for this service. They lied and I need a refund for this money back. I have also searched their XXXX page and apparently they are taking advantage of other small businesses. I have also contacted 100 's of other business owners who this has happened too. Here is their XXXX page with all the complaints XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX XXXX, CA XXXX. 
Tel : XXXX Email : XXXXXXXXXXXX XXXX/XXXX/XXXX XXXX XXXX, Loan Care, XXXX XXXX, XXXX XXXX, VA XXXX XXXX : CFPB Case Number : XXXX Further to my letter XXXX/XXXX/XXXX for the above captioned. I am angry to learn that you continue to mess up my account in sending out erroneous information. 
You should have noticed that there were XXXX letters sent to the addressee from the same office, XXXX dated XXXX/XXXX/XXXX, indicated that the monthly payment was 30 days past due ( Exhibit XXXX ), while the other XXXX from the same office of the same date, indicated that monthly payment date was two months pass due ( Exhibit XXXX ). Your letters failed to indicate which monthly payment was 30 or 60 days past due. Apparently, the left hand does n't know what the right hand was doing. You had been informed of the mess-up at least XXXX times, previously by letters, and all were informed via the courtesy of CFPB, yet your office did not improve a bit towards the servicing of your customer. It is evident that there is serious break-down within your office communication ... ... ..
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

CFPB closed a previous complain without chance to answer, loan company did never send any documentation about the fraud their are committing. 
The previous letter send XX/XX/2022 thru CFPB portal did not response all customer demands, without resolving this issue, loan company are committing fraud adding balance to a mortgage payment, payment that was pause during covid bringing this wrong amount due, CFPB are not following te correct steps to fix this situation, and loan mortgage company are committing mortgage fraud, I required a lawyer involved in these matter since loan company is refusing to provide all documentation that I requested thru CFPB complaints
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX  didn't send my bill statement 21 days before my XX/XX/XXXX due date and reported me as late to XXXX, XXXX, and TRANSUNION. This is violation of Title 15 USC 1666b ( a ). XXXX  XXXX  also accessed a late fee without sending bill statement 21 days before the do date. This is a violation of Title USC 15 USC 1666b ( b )
Product: Credit card or prepaid card

My employer uses Bank of America ( BOA ) as the vendor to service XXXX and XXXX XXXX payments. Bank of America issues one credit card to service both areas : XXXX and XXXX XXXX, however, they are separate buckets for tax and reporting purposes. When you use the card it is supposed to be able to decipher on the transaction by transaction basis which bucket the transaction 's charge should go to, however, the system is not working. It does not allocate my transactions correctly which is a huge problem for tax purposes. When I try to get the issue corrected, BOA says that there is nothing that they can do. They say that they are not allowed to correct the allocation issue. 



I have tried to work with XXXX from BOA who then transferred me to XXXX. They are not allowed to fix their issues. It just becomes a consumer problem. 

Date : XX/XX/23 payment to The XXXX XXXX XXXX for my daughter 's therapy. 
Transaction Amount : {$350.00} Action Taken : NONE ( I was told that there is nothing that they can do )
Product: Mortgage

On XX/XX/year> escrow analysis completed and surplus refund was supposed to be issued that same week. Called Flagstar to inquire. Was mocked and supervisor and representative refused to issue another check. As of XX/XX/year>, I have not received refund and I can not get a reasonable explanation or reasonable outcome
Product: Vehicle loan or lease

Hello, my name is XXXX XXXX. I am reaching out regarding the ridiculous credit denial that I have just been through. Last week I applied for a {$7000.00} loan through first Hawaiian bank to be forwarded from my friend as I am taking over his car. This loan already has a down payment and has already mostly been paid off. I have A max of {$1400.00} in debt which is being paid off as we speak because that amount is negligible. Aside from that I have spent the last year building my credit upwards of XXXX points from the XXXX that it was last year at this time. I have proof that my three credit scores prior to applying for this loan or XXXX, XXXX, and XXXX. Since applying my credit score has dropped XXXX points, XXXX points, and XXXX points respectively. The bank is then telling me that my credit score is not sufficient to support a measly {$7000.00} loan. They are basing their denial off of the credit scores that I now have after their inquiry. This is very unethical and I am very unhappy. I can have this loan paid off in seven months but we applied this loan over the course of two years because that is the current life of the loan and I decided to keep it that way. I have never seen a bank deny a loan to someone with good credit because they are using the post inquiry scores. Please look into this matter on my behalf I am happy to provide any information needed. Thank you
Product: Credit reporting or other personal consumer reports

I sent the follow letter to XXXX XXXX XXXX  XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FERPA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 20 USC 1232g and 34 CFR Part 99. 

Do not report to any consumer reporting agencies including but not limited to XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity XXXX.
Product: Mortgage

Mr Cooper agreed to delay and defer payment on XXXX XXXX backed home loan. We were 9 months into the allowable deferment and sold our house. Mr Cooper insisted payoff amount be in full without deferment of missed payments ( due to mandatory Covid19 CARES Act relief ). This resulted in an overcharge on the payoff amount of approx {$19000.00}. 

Mr Cooper had previously agreed to extend the loan, not increase the principal, and collect the additional payments at the end of the term.
Product: Mortgage

I paid off my mortgage but the bank ( WFSF ) refused to send me my mortgage satisfaction documents. They did not follow the law to send the documents to me but told me to contact county office to get it. County office said the bank had to send to me. Then I called them again but they still did not send it.
Product: Debt collection

LVNV FUNDING representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 XXXX {$1500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

So my name is XXXX XXXX and my information was impacted by the XXXX Data Breach and may have gotten into the hands of the wrong person. This letter is a formal complaint that Experian is reporting inaccurate and incomplete credit information. I am distressed that Experian have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I am educated about FCRA Laws and that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX had a data breach XX/XX/XXXX and in a letter to me they confirmed that my personal information was compromised. 

XX/XX/XXXX I received a welcome letter from Navy Federal Credit Union. Someone fraudulently opened up Savings and Checking accounts in my name online or over the phone. With a fake phone number and fake email. How is this possible in todays world of identity theft? 

Please make a federal law that requires a TRUE proof of identity when these accounts are opened remotely. It makes no sense that this should be the honor system!! 

Financial institution like Navy Fed should be held more responsible for this form of fraud. 

Please!! A federal law that requires TRUE proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two letters to the 3 major credit bureaus asking them to remove incorrect information off my credit report. I still have not had any responses. 

Here is a copy of the letters I have sent out on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX SS # : XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The status is incorrect for the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 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.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Name is incorrect please delete : XXXX XXXX XXXX I'll never live in the following addresses it is incorrect please XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Delete all the unauthorized hard inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This collection is not mine I'm a victim of Identity theft please delete : XXXX XXXX XXXX {$100.00} XX/XX/XXXX
Product: Credit card or prepaid card

Macy credit services have displayed malicious, unethical practices by penalizing myself as a consumer for making an electronic check payment early for the following month. XX/XX/XXXX payment was made on time XX/XX/XXXX. Another payment was made ahead of time on XX/XX/XXXX to credit to XXXX payment. This payment was made because my banking account had been compromised a payment was sent in advance before it was closed out. Macys XXXX XXXX credited the payment for XXXX and began to charge late fees for XXXX, XXXX and XXXX. If the payment made on XX/XX/XXXX was credited to XXXX as I requested and intended this would be solved. I have reached out to XXXX XXXX in XXXX and was placed on hold for 2 hours. In XXXX I reached out again to explain the situation and was left on hold for over an hour until I finally hung up. This is unacceptable & poor customer service. Additionally Macys has reduced my credit limit likely due to the fraudulent claims of late fees now on my credit report. Awful experience. I intend to close my account if this is not resolved and company ceases consumer predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA the account ( s ) below have violated my rights XXXX XXXX - Account XXXX XXXXXXXX XXXX  - Account XXXXXXXXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX 15 USC 1681 section602 A, states I have a right to privacy 15 USC 1681 section604 A, section 2 states a consumer reporting agency can not furnish an account without my written instruction 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following item ( s ) information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any reporting agency if the person knows of has reasonable cause to believe the information is inaccurate 15 USC 1681 ( i ) section ( 2-a ), A procedure in case of disputed accuracy - ( 5 ) ( a ) ) treatment of inaccurate or unverifiable information ; if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate OR incomplete OR can not be verified the reporting agency shall ( i ) promptly delete that item of information from the file of the consumer OR modify that item of information, as appropriate, based on results of the reinvestigation and ( ii ) notify the furnisher of that information has been modified or deleted from the file of the consumer.

15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( e ) after receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( 1 ) conduct an investigation with respect to the disputed information, ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of period under section 1681 ( a ) ( 1 ) of this title within a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section and ; ( iv ) if the investigation finds that the information was reported inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
Product: Debt collection

THIS CREDITOR WAS DELETED AND THEN PLACED BACK ON MY REPORT AS A OPEN ACCOUNT.