23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. XXXX is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and XXXX is breaking the law. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This is in clear violation of my rights. This has caused XXXX XXXX, hardship as well as XXXX XXXX to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization 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 These inquiries were unauthorized and are negatively affecting my XXXX XXXX. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Date Reported : XX/XX/year> Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my XXXX XXXX and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX ON MY XXXX XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX XXXX MEMBER SINCE XX/XX/XXXX.
Product: Student loan

I have no clue on a daily basis how much interest I owe currently, how much is supposed to go to principle when I make a payment, how much is going to go to interest, what my ending balance is minus my payment, and this is just my account on the website. It has NEVER showed me this information. My balance is on a different tab, the loan history is on a different tab, the payments never show the balance subtracted anywhere. I never have seen my calculated interest. Loan was changed to Navient in XX/XX/XXXX and I have n't known this information since XX/XX/XXXX. I wrote an angry email to them XX/XX/XXXX? about how unclear their statements are and NO ONE has payments and balances on different pages! No response to this. My payment to interest has been different every payment for 2 years along with my payment to the principle, and I have made over 24 payments along with extra large amounts to pay this off. My e-mails for over 6 months earlier this year ( during this time ), has said that no payment was expected until XX/XX/XXXX, because I had paid ahead. I spoke to Navient maybe in XX/XX/XXXX about this. My next email then said I owe $ 300+ because my income repayment has expired! After I talked to them! I do n't believe them at this time that I am signed up for the forgiveness program and I am into it for 2 years out of the 10.
Product: Mortgage

I worked with a local company and got an XXXX  loan in XX/XX/2021. At closing I prepaid ( as is normal ) my insurance, taxes - escrow for the coming year. 

The local company sold, without my prior knowledge, my loan to Pennymac. 

I received from Pennymac a notice dated XX/XX/2021 stating the purpose to be to inform me that my " mortgage loan '' number XXXX, " was sold to PENNYMAC LOAN SERVICES , LLC ( Creditor ) on XX/XX/2021 It goes on to say this : " no action is required on your part '' again, after it puts these words highlighted in the caption! 

However, when I learned months after this was sold that my insurance company was gon na cancel my homeowners that I prepaid the mortgage company because they did not receive the payment. I called Pennymac, and Pennymac had the audacity to tell me that it was MY FAULT -- that I was supposed to send them the insurance company info. My first Lender says that Pennymac HAD THAT INFO, and I have read several complaints with XXXX  and review stating that Pennymac failed to pay THEIR PREPAID INSURANCE ALSO. 

I believe Pennymac must be operating a scam. 

Pennymac paid the insurance late, and the insurance company sent me a notice stating they were going to cancel -- a notice which was sent to me AFTER the deadline date in that letter! So I called Pennymac again and we had a conference call with the insurance company, and even though Pennymac paid them MONTHS LATE - THE insurance company rep said they would reinstate it. 

I DID NOT LEARN until later that Pennymac had bought it's own EXPENSIVE INSURANCE AND STARTED CHARGING ME EXORBITANT AMOUNT FOR IT. 

Because they refused to take responsibility for this and blamed me, and they would not tell me how to appeal or how to contact their superior in the company, at the time I had to settle for a payment plan where they added only part of the amount per month to make up for the EXCESSS I NOW KNOW THEY CAUSED. 

i AM NOW TRYING TO FIND OUT WHO WILL HELP WITH THIS BECAUSE I DO NOT OWE FOR PENNYMAC 'S NEGLIGENCE. aFTER READING THAT THEY HAVE DONE THIS TO OTHERS, I AM CERTAIN THIS IS A SCAM. 


My original payment was XXXX and is now XXXX - AND THAT DOESN'T EVEN INCLUDE THE FULL AMOUNT. THIS WAS ADDED TO MY MORTGAGE FOR SEVERAL MONTHS. AS SOON AS i REALIZED THEY WERE DOING THIS, i GOT MY OWN INSURANCE POLICY, BUT THEY DID THIS WITHOUT TELLING ME AND NOW EXPECT ME TO COVER THE COST. 

IF THEY ARE DOING THIS AND GETTING KICKBACKS FROM EXPENSIVE INSURANCE COMPANIES I WOULD NOT BE SURPRISED. 

I WANT THE ENTIRE AMOUNT OF PENNYMAC 'S ADDED INSURANCE REFUNDED TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN, XXXX AND XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : ( Late/Closed : XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; Charge off : XXXX XXXX Balance Owed : {$340.00} ; Collection : XXXX XXXX  XXXX  XXXX Balance XXXX : {$90.00} )
Product: Student loan

XXXX XXXX ( formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) defrauded and misled me into believing the school had a high graduation rate and was regionally and nationally accredited with the U.S. Department of Education. I attended from XX/XX/XXXX until around XX/XX/XXXX. They misled me to believe their credits could be transferred to any 2-year or 4-year college or university in the region, which I sadly discovered not be true. Financial aid advisors and program advisors continuously persuaded me to register for classes and sign for very high loans for at least three quarters. They did this even when I showed inability to pay the loan debts and even when I was not passing all of their courses. I was always advised to sign for these loans without reading the loan agreements and promissory notes. I was always rushed. They even went as far as having me sign a recourse loan with the school, just to allow XXXX XXXX ( now Navient ) to disburse more funds to their school. Over the years, these loans both federal and private, have negatively affected my credit report and scores, I have defaulted on some of the federal loans, I am currently not eligible for FAFSA grants due to those defaults, and I have also had my wages garnished because I was unable to pay on time. It has been over ten years and I still have high loan balances, both federal and private. My outstanding private loan balance is {$21000.00}, still accruing interest. XXXX XXXX ( formerly XXXX XXXX ) has denied and ignored every direct and indirect request made for copies of official and unofficial transcripts. I highly believe their practices were unethical and illegal. They preyed on me and many other young adults and for myself, this fraud has ruined me financially. I 'm still paying for it to this day and I have nothing to show for my XXXX dollars of debt. I was misled and lied to by this for profit institution. And now, XXXX XXXX ( formerly XXXX XXXX ) have closed their doors to new students. The school is no longer in business. Based on their fraud and predatory actions, I am seeking all the loans be discharged and reimbursement for payments made both voluntarily and involuntarily.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/year>, XXXX XXXX, Georgia ( ZIP code XXXX ), was declared a major disaster area by the United States federal government and FEMA. The extensive flooding from hurricanes XXXX and XXXX caused severe damage, including flooding in my home and other homes in our community, leaving XXXX without power and access to essential resources, especially communication, for weeks. Once I was able to begin re-establishing stability, I reached out to FEMA for immediate housing assistance, as our home had been flooded with 5-6 feet of water and had suffered structural damage from a fallen tree. FEMA promptly assisted with temporary housing, after which I was advised to contact the SBA for rebuilding loans. However, when I applied, the SBA informed me that I could not be approved due to recent delinquent reports on my credit file. 

Upon further investigation, I discovered that Concora Credit had reported late payments on my Milestone credit card ( ending in XXXX ) and my Destiny credit card ( ending in XXXX ). Both of these accounts were enrolled in the Credit Protection program, which should have covered payments during natural disasters, as I pay a percentage fee for this service. Once I could reach Credit Protection, they settled all balances. I then contacted Concora Credit, provided them with payment reference numbers, and requested the removal of the late payment reports due to the hurricane impacts and Credit Protections subsequent coverage. The representative assured me that I had been enrolled in a program to reduce my APR and that she would submit a request to remove the reported late payments.

A few weeks later, I received a letter from Concora stating they would not remove the late payments, as they believed the reporting was accurate.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XX/XX/XXXX have not properly investigated my claim. I have asked them for proof and they havent provided it.
Product: Debt collection

XXXX XXXX XXXX XXXX  has sold debt to another collection agency. I have been getting emails, starting XX/XX/2023, from TrueAccord saying they have the debt but XXXX XXXX is still reporting like they have the debt.
Product: Credit card

In reviewing my billing statement for the period of XXXX XXXX 2017 thru XXXX XXXX 2017, I noticed that my Interest Charge Calculation that my " Average Daily Balance '' was over {$400.00} greater than my credit limit. I called Capital One and no one could explain that to me. I have the statement and I do not dispute the charges but I do dispute the Average Daly Balance. My Balance started at {$2400.00} and ended {$3600.00} for a average dally balance of {$2900.00}, That is simple math. If the company is skewing the ADB of all its card holder to the right by a {$1000.00} it is defrauding the cardholders a hole lot of money.
Product: Vehicle loan or lease

I had co signed on this vehicle with my ex spouse. He was 11 payments delinquent and the vehicle was repossessed, however redeemed. On the original contract I signed it, however I was not a part of the new agreement nor did I agree with it.
Product: Debt collection

Under 15usc 1692b please take this off my credit report. Its XXXX different prices they say I owe
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Debt collection

On XX/XX/2020 I looked on XX/XX/XXXX and had Midland Credit Management company down as a collection account on my credit report. I sent a certified letter in regards to this account to verify the debt that shows as a collection from their company. I sent a certified letter letting them know how to communicate with me to clear up any errors and the correspondence were they didn't have any knowledge of the debt however they have debt collection shows on my credit report that I owe this debt.
Product: Checking or savings account

I made a reservation using XXXX for XXXX XXXX in XXXX XXXX. Upon arrival, XXXX XXXX could not locate my reservation. I contacted XXXX. XXXX insisted my reservation existed. XXXX XXXX checked all of their systems and sister properties and could not locate a reservation under any confirmation codes or numbers that I received from XXXX. XXXX refused to issue a refund. I filed a dispute with Chase for the prepaid XXXX reservation. The dispute was denied despite XXXX not providing the reservation service or a refund.
Product: Credit reporting or other personal consumer reports

I am disputing an unrecognized collections listed on my credit report. Due to the recent issues with Experian as well as my information being exposed in a data breach. I am also writing to dispute and request the removal of derogatory accounts ( listed below ) from my credit report under 15 U.S.C. 1681c-2. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, it must be removed from my report as per 15 U.S.C. 1681e ( b ). Additionally, under the Fair Debt Collection Practices. Act ( FDCPA ), 15 U.S.C. 1692g, I request validation of the debt. If you are unable to validate, the account must be deleted from my credit report immediately. From all Bureau/ credit reporting agencies
Product: Payday loan

Clarity Services has pulled hard inquiries for multiple payday loans, for numerous companies without my knowledge or authorization. I am in a Chapter XXXX bankruptcy, so I am constantly checking my credit reports for things like this. I disputed this with Clarity directly, as well as XXXX. Clarity has responded by requesting a copy of my drivers license, SSN, DOB and address, along with the names of the payday companies. This info was originally submitted to them with my dispute, minus my SSN. I have read horrible reviews about this company and am very hesitant to supply the additional info they 've requested.
Product: Vehicle loan or lease

Subject : Confirmation of No Late Payments Account # XXXX To Whom It May Concern, I am writing to formally request a letter confirming that my auto loan account ( # XXXX ) with Capital One Auto Finance has never had a late payment reported. I have consistently made all payments on time, and I would appreciate written verification of this for my records. 

Please provide this confirmation at your earliest convenience. You may send the letter to my mailing address listed above or via email if that is an option. If any additional information is required, please do not hesitate to contact me at ( XXXX ) XXXX. 

Thank you for your prompt attention to this matter. 

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

XXXX  credit card reporting incorrect information on credit report. Reporting debt owed is XXXX. 2017 income tax XXXX form sent with cancellation of debt balance {$1600.00}. Company is still reporting an incorrect balance. Debt has been filed on incmoe tax and penalty cost have been added to taxes, filed on my behalf as additional 2017 income. Please have company update all credit bureaus with accurate information immediately. Thank you in advance.
Product: Credit card or prepaid card

It has been a ventureful pain to try and open an account with Capital One Financial Services. 
Every time I call to try and activate my card it has been almost a 15 minute call and I have been getting the run around for quite some time. You send me a pre-approved invitation to apply for Capital One through via mail which I accepted, I applied online on XX/XX/XXXX and was approved with minutes I received my card 7 days later on XX/XX/XXXX. I went to activate my card and it said that I needed to call Capital One in order to activate my credit card, the agent I spoke to then said I needed to send three additional documents via an email provided secure link, which I did for social security card, drivers license, and a bank document for proof of residency, then I was told that was unacceptable that I need to send a bank statement with the full account number listed. I am tired of calling capital one multiple times to activate my credit card, being given the run around, and how long this process has taken ( 8 days ), when the first time I sent documents it took less than 48 hours to receive a notification back. I am extremely frustrated how every time I explain my situation I am subject to no understanding and someone who doesn't speak english fluently, and who has minimal customer service etiquette. It shouldn't be this hard to open a credit card, and I kind of feel like I am being discriminated or at least strongly discouraged to continue business with Capital One throughout this whole process by the number of hoops I'm having to jump through. I would think if this was more than a matter of security such as my identity being stolen I would have reported that to the credit bureaus, and the police ...
Product: Debt collection

On or about XX/XX/XXXX I called Eastern account systems for XXXX XXXX. about a account that Ive disputed several times with all 3 credit bureau. When I called them on or about the XX/XX/XXXX. Their own system couldnt verify any debt tied to my phone number. Which Ive had since XXXX. After waiting on hold for approximately 45 min a gentleman named XXXX XXXX got on the phone. And was very rude. He kept cutting me off when I try to explain what the issue was. And after I gave him my full name. He wanted me to verify address, social security number, date of birth. I told him no for my security I need them to verify this debt. And I would verify any information they might have. XXXX XXXX got angry and stated he doesnt have to do anything and that he was personally going to make sure it stayed in my credit until the day it was paid in full. And only at that time he would think about removing it. When I asked him for his supervisor he simply laughed and then hung up on me. I still dont know what this debt about or any information because Ive never received a verified debt notice. They cant seem to give me the basics of information about this debt. On my credit report has no account number. It says its from XX/XX/XXXX but i was homeless due to hurricane Ian up till XX/XX/XXXX when the VA got my family into a home and out of the hotel. They had to pay a extra XXXX deposit for a total of over {$9000.00} just to be able to rent a house do to this negative and bogus reporting done by Eastern Account System on behalf of XXXX