23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started the streamline refinance process on XX/XX/19. First issue was that PennyMac ( who purchased my loan ) had mine and my son 's social security numbers entered into their system backwards which is why they could not find my loan. Then they did not have the loan reported to the credit bureau. I did the application over the phone with the lender named XXXX XXXX at PennyMac on XX/XX/19. He ran my credit that day. He assured me that the streamline refinance was a fast process and we would close by the end of XX/XX/XXXX. My son, who is also on this loan, was supposed to do the phone interview with XXXX XXXX as well, but he was unable to reach him on several occasions. I email XXXX XXXX on XX/XX/2019 and told him that we tried to call him last week and did not get a return call and requested for him to contact my son XX/XX/19 at XXXX due to his school and work schedule. XXXX XXXX did not answer the scheduled call that day. I emailed him again on XX/XX/19 and informed him I would be traveling soon and to call my sons cell. My son did not get a call and he did not get his calls returned from XXXX XXXX. I emailed XXXX XXXX again on XX/XX/19 informing him that he has not called my son back and I needed this done before I left town. This did not get done. I returned from vacation on XX/XX/19 and XXXX XXXX still had not reached out to my son to complete his application. On XX/XX/19 I called PennyMac and asked to speak to a manager. They transferred me several times and someone said they couldn't reach a supervisor but would make sure they speak to XXXX XXXX and he will get back to me immediately. XXXX called me back the following day, but because of his lack of response my application had expired and he had to redo my application and re-pull my credit on XX/XX/19. He also completed the application with son. I was told there would be a rush on this and they would close me within a few weeks. I received the disclosure and documents on XX/XX/19 but they incorrect. All of the fees were incorrect and it showed me bringing negative - {$130000.00} to closing ( which would be them giving me money ). I emailed and called to inform them of the errors. XXXX XXXX called me back on XX/XX/19 and said they messed up the numbers and they were sorry. He assured me this would be corrected immediately. I have not heard from him nor have I received corrected documents since our conversation on XX/XX/19. I have called XXXX XXXX and I have called PennyMac with zero response. I was told that a supervisor named XXXX XXXX would call me back, but he did not. I called back on XX/XX/19 and asked for a supervisor and after an hour on the phone being transferred around, I was told that XXXX XXXX 's supervisor XXXX XXXX would call me back same day, but he did not call me yesterday or today. I have now had to hard hits to my credit which I am very upset about and I still have not received any information about my refinance. I am uploading documentation of emails I have sent, both times he pulled my credit and the closing disclosure with all of the financial errors.
Product: Debt collection

I bought some Jewelry from a company that is charging and outrageous amount for their jewelry and when I tried to return the items they claimed there is no return policy just a trade value for the items of the same price that it was bought for. After that I left and decided that I was n't going to keep the allotment going through my account and stopped it. a few months later I get a phone call at work claiming that it was a military legal officer on the other end of the line and I received a number to a company that the finance company that was used. When I called the company they threatened to have me charged by the uniform of military code of Justice under an article of the system. After the phone call I got ahold of XXXX XXXX Loans where I got a loan for {$1400.00} at 30 % and when the loan hit my account they went in and took the money with permission by charging my card a total of {$910.00} through multiple transactions that was not authorized by me. When I noticed the transactions I called the company and they confirmed that they took the money due to a overt due balance of the {$910.00} for the time that I stopped the allotment that the money was going through while on a XXXX in XXXX, XXXX up to the date that they took the money. A few months ago I was appointed to court without knowledge of the court date in Virginia and being served, and at the court there was an attorney appointed to me without my consent. I have to pay {$440.00} a month by the court ruling, which is a certain percentage of my military check.
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 XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

XX/XX/23 {$2700.00} I called at least 10 times and sent messages through the portal. They used the wrong code when billing insurance. The XXXX should be 100 % covered. They were suppose to rebilled insurance with the correct code and failed to do so now they sent the bill to collections. 

They have also sent the debt to a debt collection even though the patient portal states part is still pending insurance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law.I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed account, please understand I will seek legal action. I need the account corrected as soon possible XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XXXX of XXXX. It is also being reported on my report that the last payment was XX/XX/XXXX but the account was in good standing through XX/XX/XXXX. This account was also being updated and reporting as a charge off from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as if the account was still open and reporting inaccurately with XXXX which is also inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : EXPERIAN Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX XXXX  Account name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

I ordered a chase card last XXXX. Over the course of months my credit card was being charged for internet purchases called 'cheng fei ''. After a couple of months my {$4000.00} limit credit card was charged for over {$8000.00} in charges. I called and wrote letters and Chase refuses to resolve this issue. 
I do n't know what the charges are for and I also do n't know how my credit card was charged over {$4000.00} past my limit. This is not legal! I have talked to customer service, the fraud department and even wrote a letter to the head of Chase credit cards. They refuse to acknowledge their mistake and refuse to remove the charges. 
I do n't know what else to do at this point
Product: Credit card

This company ( First National Bank of Omaha - FNBO ) has repeatedly not posted final payment and closed my account. They were paid off months ago by my debt management company. After the account was paid, the added a small charge without notifying the company. They have continued to add charges and sent delinquency notices to credit bureaus. There are many other reports online of them doing the same to other customers for years. I need them to acknowledge that they have been paid, close the account, and correct the delinquencies. The government should really stop this predatory lender from operating.

Date of final payment to them was XX/XX/23. They added a {$170.00} charge. They have been paid off and refused to acknowledge payment and close the account since then. 

The debt management company handling my accounts is XXXX XXXX XXXX XXXX.
Product: Debt collection

I continue to receive phone calls from different numbers on my cell phone after i sent a letter to ceast all communications with me over a year ago. This debt is well over the 7 years statute as I have no outstanding debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting collection letters and calls after sending identity theft affidavit & police report disputing this item as identity theft/fraud. Letters have been sent to XXXX, XXXX and XXXX ... 

XXXX now seems to have sold the debt to another collection agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I had rented an apartment with The XXXX XXXX in XXXX, SC managed by XXXX ( XXXX XXXX XXXX XXXX ) fromXX/XX/XXXX toXX/XX/XXXX. The dispute has been forwarded by XXXX to XXXX XXXX XXXX and they have incorrectly reported it to credit agencies which is harming my credit profile and score. 

After I moved out of The XXXX XXXX apartments, I was sent a list of charges totaling {$290.00} ( attached ) that XXXX had slapped on me. There was no basis for most of these charges nor was there a mention about my obligation towards most of those items in my lease contract ( attached ). I reluctantly agreed to pay most of the charges but refused to pay for carpet-shampooing and oven-cleaning that they were claiming, as there was no basis for it. XXXX refused to hear my plea and forwarded this 'case ' to a collection agency named XXXX XXXX XXXX to collect {$240.00} from me. 

I was harassed by this agency for many days while i kept explaining them that the agency nor XXXX have any proof to ask for this money. I also sent them a copy of my lease contract and communication with XXXX. But they very hard to reason with and reported this to all the the three credit agencies inXX/XX/XXXX. 

This has been harming my credit history, profile and score since then.
Product: Debt collection

See the attached document about the securities in which Capital One is improperly attempting to collect.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed several inaccuracies. I sent a letter to XXXX in XXXX to dispute these items. However, it has been more than 35 days, and I have not received a response from the credit bureau. This delay is a violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires a response within 30 days.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within 30 days of receiving the notice of dispute.
Product: Debt collection

On XX/XX/2018 from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX requesting payment of {$810.00} for proclaimed damages to a rental car that I rented from XXXX XXXX XXXX XXXX on XX/XX/2018 and returned XX/XX/2018. 

This car was not damaged when I returned it. I walked around the car with the agent who checked in my vehicle. When the vehicle was checked in, it did not have any damage. The Viking agent sent pictures of a vehicle with a large dent from a yellow pole on the passenger rear door. This automobile was not damaged upon my return of the vehicle to XXXX. 

If there was damage, why was it not identified by the agent and myself while checking the vehicle in. Also, if there was damage, why would it take seven weeks to present the invoice to me? I spoke to XXXX XXXX from Viking and explained to her that I did not damage the vehicle. She stated that my car insurance or credit card will just pay for it. 

I did not damage this vehicle. This is a scam! 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting XXXX XXXX account XXXX. I was not primary borrower on account. I provided evidence of primary borrower filing bankruptcy. XXXX ignores my request to delete.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA. ) specifically cash app failed to take timely and effective 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 the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is additional complaint versus XXXX XXXX. First complaint XXXX failed. I received call to clear up situation after initial complaint. Spoke 2x with individual in executive office ( supposedly ). Today received letter dated XX/XX/XXXX that theyve been unable to reach me. SHAMEFUL. Im a victim of identity theft and dealing with XXXX XXXX makes me wan na call police fbi whoever on them for aiding and abetting. XXXX XXXX  agreed to clear my credit report in FIVE minute phone call. XXXX XXXX wants me to fill out a stack of paper work and mail it to them. Are you kidding me? Ive spoken and reported to XXXX XXXX XXXX. Do your job! Experian also getting a complaint for FORCING consumers to have the requesting agency clear record. original complaint XXXX XXXX fail. Fraud department would not confirm card application canceled that I did NOT submit/ apply. XXXX step process with credit card application agent. Then transfer to fraud department. Fraud dept insisted on additional personal information that they have no right. Social security number is already too much.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Product: Vehicle loan or lease

I purchased a car from XXXX XXXX in XXXX, Maryland on XX/XX/XXXX. The dealership unfortunately did not track the first payoff for the XXXX financed by Bridgecrest sent on XX/XX/XXXX and sent the payoff to a Bridgecrest address but not the payoff address. Bridgecrest has no procedure on how to locate and process payoffs sent to the incorrect location. Additionally, when the dealership overnighted the second payoff to Bridgecrest on XX/XX/XXXX, Bridgecrest informed they're not obligated to process the payment for 1-2 business days. Bridgecrest received the payoff XXXX XXXX on XX/XX/XXXX. Bridgecrest stated the payoff needed to be posted by the XXXX to avoid the mark on my credit. Although Bridgecrest received the payoff on the XXXX, nothing was done with the payment until XX/XX/XXXX and posted XX/XX/XXXX. Bridgecrest stated they do not backdate payments to the date received. On XX/XX/XXXX I received a credit alert stating Bridgecrest marked my credit report 30 days late for the loan. Overall, Bridgecrest will not work with the dealership to rectify the mark on my credit as this is not an error on my part. Bridgecrest 's inability to correct an error that is not a direct result of the consumer 's negligence impacts me financially as my score has dropped XXXX points since their credit report update. My score drop can potentially have financial impacts to me as a result of higher priced loans, reduction in my available credit, and denial of financing in a time that it is critical to have life lines during the pandemic. Bridgecrest 's refusal to assist correct this error is unreasonable. 

Attached is the copy of the first payoff check and the tracking number for the second payoff check. Bridgecrest has a copy of the second check sent XXXX.
Product: Debt collection

To : Consumer Financial Protection Bureau ( CFPB ) Formal complaint regarding inaccurate credit report Dispute of duplicated collection and balance inconsistencies Dear CFPB I am submitting this formal complaint regarding errors and inaccuracies found in my credit report issued by XXXX. Specifically, the issues outlined below are negatively affecting my credit history : XXXX. Duplicated debt : My credit report reflects XXXX accounts related to a personal loan from XXXX XXXX, which does not accurately reflect my credit situation. This duplication is incorrect and misleading, and it violates the Fair Credit Reporting Act, which mandates that only truthful and accurate information remain on my credit report. 

XXXX. Balance inconsistency : A collection reported by LVNV Funding LLC shows a balance of {$9600.00}. However, the original creditor, XXXX XXXX, lists a balance of {$15000.00}. This discrepancy in reported amounts is completely inaccurate and must be corrected immediately, as it represents a false and misleading entry on my credit file. 

XXXX. Inaccurate information from the creditor : XXXX XXXX is showing XXXX separate accounts for the same debt on my credit report, which is causing confusion and damaging my XXXX XXXX. This not only results in an unjust duplication of the debt but also violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures that credit reports are accurate and complete. 

I am formally requesting the following : - That an investigation be conducted regarding the duplicated account reported by XXXX XXXX. 
- That the duplicated accounts and any other incorrect or inconsistent information be removed from my credit report. 
- That the balances reported by XXXX XXXX and LVNV Funding LLC be corrected to reflect the accurate information. 
- That any reference to the inaccurate debt be removed from my XXXX credit report, in accordance with the protections provided under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Additionally, please take into consideration that this information had previously been removed from my credit report, which has caused confusion as it was later reinserted, further violating my rights. 

I am attaching copies of my credit report with the errors highlighted, as well as any supporting documentation that XXXX assist in the investigation and resolution of this matter. 

Thank you in advance for your attention to this complaint. I look forward to having the necessary corrections made as soon as possible. 

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

I am writing to formally dispute the presence of a bankruptcy entry on my credit report, as reported by your agency. This dispute is made in accordance with the Metro 2 Compliance Guidelines and the provisions of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ). 
On XX/XX/2023, I obtained a copy of my credit report from your agency and discovered that a bankruptcy entry is listed on my report. The bankruptcy entry in question is as follows : 1. This account is in violation of 15 U.S. CODE 1681 a ( 4 ) Consumer Rights To Privacy This Bankrupty Should Not Be on my credit consumer report. You are hindering my ability to get thing you are destroying my life please delete this from my credit report immediately. 


I am disputing this bankruptcy entry for the following reasons : Inaccurate Information : The information regarding the bankruptcy entry on my credit report is inaccurate. I have never filed for bankruptcy or had any bankruptcy proceedings against me. This erroneous information is damaging my creditworthiness and causing me undue financial harm.

Violation of Metro 2 Compliance : The inclusion of this inaccurate bankruptcy entry on my credit report is in violation of Metro 2 Compliance Guidelines, which require accurate and up-to-date reporting of consumer credit information.

Violation of 15 USC 1681 : This erroneous bankruptcy entry also constitutes a violation of the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), which mandates that consumer reporting agencies ensure the accuracy of the information they report. 
I am requesting that Equifax promptly investigate this dispute in accordance with the provisions of the Fair Credit Reporting Act. Pursuant to my rights under 15 USC 1681i, I request that you : Conduct a thorough and comprehensive investigation into the accuracy of the bankruptcy entry in question. 
Verify the accuracy of the information with the creditor responsible for reporting it. 
Correct or delete the inaccurate bankruptcy entry from my credit report if it is found to be incorrect. 
PLEASE DO NOT SAY THE COURT REPORTED THIS IMFORMATION TO THE CREDIT BUREAU BECAUSE THAT IS A LIE!! 
The ORC and E OSCAR VERIFYING THIS INFO IS NOT RECOGNIZED AS PROPER VALIDATION!

Please acknowledge receipt of this dispute letter and provide me with a written response within 30 days, as required by the Fair Credit Reporting Act. If the investigation results in the determination that the bankruptcy entry is indeed inaccurate, I request that pplyou promptly remove it from my credit report. 
Failure to comply with the Fair Credit Reporting Act could result in legal action, and I hope to resolve this matter amicably. I appreciate your prompt attention to this dispute and your commitment to ensuring the accuracy of the information reported by your agency. 
Sincerely,
Product: Payday loan, title loan, or personal loan

I applied for a loan with Service Finance, LLC on XX/XX/2019 I was told by the construction company that I was declined due to having no credit file and/or my XXXX  credit file being locked, unable to view and no credit score. The rep then proceeded to ask me my race, gender and other information. I feel that I was discriminated against by this lender and denied a loan as a result.