23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a delinquent notice for City property taxes on my condo on XXXX/XXXX/XXXX. PennyMac was supposed to have paid these taxes in XXXX. The city had added late fees and penalties to the total. I called PennyMac on the same day and they said the matter would be resolved. The taxes were due XXXX/XXXX/XXXX and I told this to PennyMac on XXXX. 

After calls on XXXX, XXXX, and XXXX, along with an email on XXXX, PennyMac still did not pay the taxes from escrow where there was enough money present to cover the amount. I have now paid the taxes myself and want PennyMac to reimburse the taxes from my escrow account and to also reimburse the late fees and processing fees from their funds.
Product: Student loan

Both student loans serviced by Firstmark were on Auto Debit, with no missed or late payments for many years, as of the XX/XX/21 statement ( attached ). After my bankruptcy filing, Firstmark unilaterally cancelled the Auto Debit agreement, yet still required payment for my loans. They claim they sent a letter to me stating Auto Debit was cancelled. I did not receive this letter, and Firstmark can not prove that it was delivered or even sent, as it was not sent via Certified or XXXX mail. After downloading said letter from the website, I realized that it was generated on XX/XX/21, and that they claimed that the Auto Debit was cancelled " at my request ''. This is a lie. I did not request the Auto Debit to be cancelled. Firstmark cancelled it due to the bankruptcy filing, because according to one agent, " that's just the way the system is set up ''. There was no permission from me, nor legal requirement to cancel the Auto Debit agreement, because these agreements with Firstmark can only be set up via a checking or savings account - not a credit card. Only automatic payments from a credit card are required to be cancelled in bankruptcy. Furthermore, aside from the auto debit cancellation notice they claim they sent, no other statements or letters were sent regarding this account until late XXXX. Upon realizing that the account was in arrears, I immediately made payments to bring the account current. However, Firstmark by then, had already reported the lateness of the account to the credit bureaus. This is an extremely unfair practice, especially considering there has never been a late payment on this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit report company to verify everything on my credit report and they did they stated everything is verified accurate on my report I did a thorough investigation myself in found improper inaccuracies on the CREDIT report after they did there thorough investigation. 

In accordance with the fair credit Reporting Act XXXX  Account # XXXX date open XX/XX/2018 XXXX XXXX XXXX Illinois actions negative remarks XXXX XXXX  credit card XXXX # XXXX XXXX File number XXXX reporting name wrong XXXX XXXX and his account are not mind my name is XXXX XXXX XXXX XXXX XXXX don't confuse me with relative the other company says it meets FCRA but transition keep verifying as accurate
Product: Student loan

I use Navient and when i asked about Loan forgiveness they automatically told me i was not eligible and made me do a repayment form that would cost me {$0.00} for 12 months. Which is fine ; but, now i am worried that the payments will go up. I also asked about deferment and they told me i was n't eligible either. I make XXXX year right now and i have about XXXX in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

With every one of my credit cards I can get a XXXX  score. I can do this on their web site. 
With Best Buy, Home Depot and Sears I can not get a XXXX XXXX. I have called each company and I get one excuse after another. 
How can I get a FXXXX  score from Best Buy, Home Depot and Sears. 
Thank you.
Product: Debt collection

I recently received a collection letter from Calvary Portfolio Services regarding an alleged debt with XXXX XXXX. I want to clarify that I am a victim of identity theft, and I do not recognize or acknowledge having any account with XXXX XXXX. This debt is not mine, and the account in question was opened without my knowledge or authorization. 

The collection efforts regarding this fraudulent debt violate my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the following sections are being infringed upon : Section 805 ( c ) : Prohibits continued communication about a disputed debt unless for the purpose of verifying the debt or notifying the consumer that collection efforts will cease.

Section 807 ( 2 ) ( A ) : Prevents the false representation of the character, amount, or legal status of the debt, which is applicable as this debt is not mine.

Section 809 ( b ) : Requires the debt collector to provide proper validation of the debt upon request. Despite my dispute, no adequate validation has been provided.

I request an immediate investigation into this matter, the cessation of all collection activities related to this fraudulent debt, and the removal of this account from my credit report. Continued attempts to collect on this debt will result in legal action to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXXXXXX XXXX System ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX )
Product: Credit card or prepaid card

On XX/XX/, I made a payment in the amount of {$1200.00} and this payment got held. I totally understand the reason that this payment was held due to me making an unusually high payment. I would make a comment that prior to this payments like {$25.00}, {$75.00}, {$100.00}, {$120.00} were not placed on hold. Now no matter what, this bank is holding payments, which makes no sense to me. I have spoken to representatives that state the reason that payments are being held is that of payment cancellations, but that is false, because I never started truly cancelling payments like I have recently when I noticed that everything was going to be held for not even 7 days but 10+ days now. I understand this if I bounced a payment, but seems like these XXXXXXXX XXXXXXXX  can't trust they will get money themselves while they line their own XXXX  pockets. I feel like this is an advantage to continue collecting additional interest on my account. My account needs to be returned to credit payments same day, as this is I think extremely unfair that now these people arbitrarily do whatever whenever however they feel and DO NOT inform the borrower. I think that credit card companies if they are holding payments need to explain to the consumer how come and when it will be released. They do not do this. It is biased and somewhat racist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Name : Tennessee Department of Human Services CS Account name : XXXX under these laws accounts must be removed 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the financial history of account, below are the items I believe are in inaccurate and would like to formally dispute. 

XX/XX/XXXX a bill/due date in the amount of {$990.00} that differs from the principal but without detailed, itemized expenses. 
XX/XX/XXXX late charge of {$30.00} that should not have been assessed. 
XX/XX/XXXX a final payment of {$240.00} was made which was the amount that a Westlake representative stated was the remaining amount due. 

According to the payment history sent by Westlake on XX/XX/XXXX, there is a balance of {$16.00} that was remaining but there is no bill/due date noted that shows at any time any representative of Westlake either by mail or telephonically informed me of the {$16.00} balance. 

XX/XX/XXXX notes that the account was noted as a Charge Off even though the loan had been completely paid off via the amount Westlake stated on XX/XX/XXXX and I was never notified of a remaining balance of {$16.00}. 
XX/XX/XXXX notes an additional repossession expense charge off in the amount of {$400.00} that should not have been assessed as it was previously paid and again not in the stated pay off amount, via Westlake Financial on XX/XX/XXXX. 
XX/XX/XXXX late charge off fees of {$120.00} that should not have been assessed. 
XX/XX/XXXX non sufficient funds fee/charge off fees of {$25.00} that should not have been assessed. 
XX/XX/XXXX interest fees/charge off of {$.00} that should not have been assessed. 

In addition, the amounts paid on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX equates to a total of {$1000.00} which is greater than the final bill/due date that was sent on XX/XX/XXXX and stated a final payment of {$990.00}. This was the last bill/payment request that Westlake Financial mailed to me. 

On or around XX/XX/XXXX the paid off vehicle that this loan was secured on was traded in to XXXX XXXX XXXX in XXXX XXXX, VA. Legal ownership of the vehicle then transferred. The XX/XX/XXXX payment in the amount of {$560.00} should not be represented on my financial history account as the final payment as made on XX/XX/XXXX, the vehicle was sold to the dealership on or around XX/XX/XXXX, thus I was no longer the legal owner or in possession of the vehicle on XX/XX/XXXX. This payment activity transpired 9 months after legal ownership had transferred.
Product: Credit card or prepaid card

YOU XXXX TO RE-INSERT THE FOLLOWING ACCOUNTS ATTATCH TO MY DOCUMENTS, I NEVER FILE A FRAUD ON MY REPORT. I'M BEGGING YOU. YOUR THANK YOU YOU FOR YOUR ATTENTION.
Product: Money transfers

I have had many frustrating experiences with Western Union over the past year ( have never used them until this year ) and this latest experience is what led to filing this complaint. I initiated an international transaction with Western Union on XXXX XXXX, 2015 in which the confirmation email states the money would be available in the receiver 's country on XXXX XXXX, 2015. The receiver went this morning to collect the funds ( XXXX XXXX, 2015 ) at a Western Union office with ID and MTCN number in hand only to be told the money was not available for pick up. I immediately contacted Western Union to find out why the money was not available only to be told that the money would not be available until XXXX XXXX, 2015 Eastern Standard Time United States and also told it would not be available until a specific time Eastern Standard Time United States. No where in the transaction details does it state anything about money availability being based on Eastern Standard Time United States and no where in the transactions details does it state a time the money would be available. It is terribly frustrating to share with the receiver when the money will be available only for them to go to a Western Union office ( which in and of itself is not an easy task ) and be told the money is not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a court order that states the debt belongs to someone else. The court order was submitted to Experian, XXXX and XXXX and to XXXX XXXX around XX/XX/XXXX or XX/XX/XXXX detailing the court order, and who the debt belongs to. Experian, XXXX, XXXX and XXXX XXXX submitted a response stating they will not remove debt from credit despite submitting legal documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account legally paid in full for less than the full balance and is still be reported as a recent Charge off ( CO ) in error. Charge offs are being reported in XXXX, last activity goes back to XXXX, 5+ years old. This account is hurting my ability to purchase a house.
Product: Credit reporting, credit repair services, or other personal consumer reports

This charade of a so called PROTECTION agency is beyond comprehension to honorable people. You do not even read the reports and if you did you have the same problem as the company does- people who claim to speak English that can not comprehend it. The company sends an alert explaining my score went down. Even after I have paid off and down a number of debts. Unauthorized users continue to read my credit score freely because their so called security freeze by their own words does NOT WORK and by their own words the data is months behind because banks have no mandate to report real time or even timely! Opinion by experience- How sad this farce continues yet why would it not. There is money to be made on false information- higher rates, different terms ad frankly in my opinion the CFPB is complicit and an accomplice as is Congress and The Honorable XXXX XXXX and her so called finance committee- ha- do nothing. Rhetorically one wonders how many millions screwed daily by these " honorable '' people? 
And here is the big joke by your own admission you do nothing- get a lawyer- yea right HA " The CFPB is an independent federal agency built to protect consumers. We write and enforce rules that keep banks and other financial companies operating fairly. We also educate and empower consumers, helping them make more informed choices to achieve their financial goals. '' Really amazing how about giving We the People a fighting chance instead of being ripped off? 
Experian Membership ID # XXXX Member Sign In XXXX, please review your alert FICO Score Your score decreased. 
OH and by the way- do you think while your at it yo can get one of your non america software engineers to grasp XXXX XXXX a female and t FIX their error- she is not a senior! Your contact information XXXX XXXX  XXXX XXXX
Product: Bank account or service

American express serve is committing Fraud for personal gain.XXXX 2016 I made a purchase from XXXX in the amount of XXXX and change XXXX did not have the items in stock so XXXX immediately cancel the transaction on XXXX XXXX 2016. Every since XXXX cancel this order my bank has be refusing to release my fund back into my available balance for fraudulent purposes and give different dates when fund will be available due to the fact they fear liabilities and do n't trust they customers XXXX XXXX 2016 the same situation occurred and fund got released on the XXXX of XXXX 2016 after merchant verbally told American express they will not collect the fund and put the funds back in customer account but American express refuse due to fraudulent purposes and again with lady ft locker. American express is now changing the time frame from XXXX 8 days regarding my XXXX purchase which was not in stock to release my funds when there a history of 7 days before they release my funds on a cancel transaction. American express serve is Committing fraud and I seek relief
Product: Credit card

Wells Fargo Financial National Bank prefunded a vendor XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, in XXXX, Tennessee ZIP Code XXXX, telephone number of XXXX ) before the work had been completed and Wells Fargo Financial National Bank has been billing me for the balance which I have been paying monthly. I have requested Wells Fargo Financial National Bank to delay billing, but they have refused to delay billing or adjust payment due date stating the problem is between the vendor and me.
Product: Credit reporting or other personal consumer reports

these fraudulent CRAs are violation my rights as a consumer, I am a victim of identity theft by law the credit bureaus furnished infromation on the consumer report without written consent. I contacted the debt collectors and none of them were able to provide a wet ink signature form me or a contract, these accounts listed below are in fact fraudulent. this has been over 90 days and I am fed up. who will hold these fraudulent companies accountable, who's protection the consumer on the informed use of credit, the act a laws put in place to protect me aren't being followed by these companies and it is affecting my lively hood. I am homeless with an infant daughter and my credit is being sabotaged by companies they have too much power and this is not fair!
Product: Consumer Loan

XXXX I got a phone call today from Bank of America. Someone there now wants me to call them. No. That has not worked. I will not be put on hold. I will not be stonewalled. I will not repeat myself. I will not be bullied. I will have a record of what they say. I have a copy of their internal memo XXXX XX/XX/2016. That is Bank of America policy. They can reach me at my email address. 
I asked two questions in my original complaint to the Federal Reserve Bank. Those questions were not rhetorical. Is United States Currency not legal tender without an ID? Are people without an ID forbidden to pay thier debts? XXXX XXXX said that Bank of America policy is based on Federal law. Is it? Please, if your office can not answer the questions, who in the Federal government can?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. XXXX, Equifax, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX  XXXX, XXXX, Bankruptcy, XXXX, XXXX XXXX, and Inquiries that are not mine. 
Please see attached FTC Identity Theft Report. 
This has caused me tremendous anxiety, stress, and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here attached is a copy of this creditor reporting inaccurate information on my credit report to XXXX and XXXX, 1- there attached is factual proof highlighted in a red marker where they state i was " 60 days late : to one bureau on XX/XX/2015 and to the other bureau they report " 30 days late '' how is this accurate? 
2- After the " closed date '' they report activity as " ok '' and " 30 days late '' how can a account be paid on time after being closed? 
3- The vice president of First Progress Mr XXXX says in a letter attached that they are not reporting any payment of {$9.00} and as you can see in attached report that is false. 
4- this creditor has not sent me any proof this account belong, no copy of any agreement, contract or application with my signature. 
5- They refuse to send me an itemized account history with all charges, fees and debit. copies of canceled checks to prove the late date they are reporting. 
All my claims are verified in attached copies of my credit report highlighted in red marker. 
This inaccurate reporting is hurting my ability to obtain a fair credit score for a new job please see all documents included.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I never lived there XXXX for the amount of {$960.00} is not my account due to fraud not being able to file an online dispute.
Product: Credit reporting or other personal consumer reports

I am writing to you today regarding an issue I have been having with Lexi Nexis. I had a number of items removed from my report and requested an updated report. However, my request was ignored. 

I then filed a CFPB complaint, and the company lied in their response, stating that they would send me an updated report but never did. I received a call from the company, and they verified my address and said they would send the report, but again, they never did. 

I am very frustrated by this situation and would appreciate your assistance in resolving it. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 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 statues. Please remove the following accounts completely from my credit reports.XXXX Inquiry XXXX XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$110.00}