23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ive received a complaint marked as duplicate response regarding XXXX. 
Ive recently sent a debt validation letter which has been inadvertently denied any valid response. 
Under the Uniform Commercial Code 3-204, the name and the signature of both the beneficiaries and the original creditor must be disclosed in the same document. 3-204 ( d ). The signature of the borrower must be included as well as into the assignment or the transfer ; unless a clause in the deed of the XXXX/mortgage waives it.

Ive attached a Notice to Dispute for acknowledgment. 

Pennymac has failed to honor my request for internal audit. XXXX XXXXXXXX request. 
I am asserting PennyMac Mortgage Investment XXXX  to Release property from Escrow. Furnish XXXX. 

I am now demanding Revocation of Security Interests and Settlement in Closing in exchange for My security interests and proceeds.

I understand I have been late for the past few months in payments. Ive made two good faith payments through the hardship, and continue to request your assistance in completing remedy for relief.

Yet Ive learned after 60 days, my servicer becomes a debt collector and is governed under the Fair Debt Collections Practices Act. Pennymac is no longer the original creditor, they are continuing to buy and sell non performing non secured debt, Violation FDCPA U.S.C. Title 15 Section 1692.

At this stage Im seeking arbitration and monetary relief for all violations under TILA/RESPA, CFR, US Codes , FDCPA, FCRA. Please provide me with the total amount from the itemization of the loan disbursements, the loan charges, the current principal balance, and all payments received from me, so that you may compensate the exact amount needed for tender.

Transfer Agent Duties : The transfer agent for a corporation is responsible for : ensuring that its securities are issued in the correct owner 's name; canceling old and issuing new certificates; maintaining records of ownership ; and handling problems relating to lost, stolen, or destroyed certificates.

PennyMac, XXXX XXXX, has failed to do so. 
Instead, theyre selling my financial asset unlawfully. 

I want us to work together the right way, towards stopping the deceitful practices. Ive asked kindly to show me who is the Holder in Due Course, and we continue to hit a rough patch, as Penny Mac is the servicer.

May you make it clear whether my loan has been securitized and if so whats the name of the XXXX my loan Is bundled with for verification purposes, aiming towards Penny Mac to stop selling my asset on the secondary market.
Product: Credit card or prepaid card

I applied for an offer that was mailed to me, but the terms I was approved for would not benefit me. Instead of giving me the option to accept or decline their offer, Citibank automatically accepted the terms for me and created a new account. Since part of my credit score is based on average age of credit, the new account dilutes the average age which will negatively affect my score... And I never accepted the credit offer. Companies should NOT be allowed to accept credit before I ever have a chance to review the terms
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here are the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 a. I have the right to privacy.

15 U.S.C 1681 section 604 a section 2 it also states a consumer reporting angency can not furnish without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting angency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) sections states no consumer reporting angency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting angency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I am writing to request information regarding the investigation conducted by Equifax pursuant to my dispute regarding the accuracy of an account on my credit report. The specific account in question is as follows : Account Holder : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Under the provisions of 15 U.S. Code 1681i - Procedure in case of Disputed Accuracy, I am entitled to receive information about how Equifax conducted its investigation into this disputed account 's accuracy. I submitted a dispute to Equifax regarding the accuracy of the information related to the account mentioned above. I kindly request the following information : A detailed explanation of the investigation process undertaken by Equifax, including the steps followed and the parties involved in the investigation. Copies of all correspondence, documentation, or records related to the investigation of the disputed account, including any communication with the data furnisher. Any documentation provided by XXXX XXXX XXXX XXXX XXXX during the investigation. The results of the investigation, including any changes made to my credit report as a result of the dispute. The date on which the investigation was completed. Please provide this information at your earliest convenience, as I believe it is essential for me to fully understand the investigation process and its outcome, as allowed by law. Furthermore, I kindly request that any relevant documentation related to this investigation be provided to the Consumer Financial Protection Bureau ( CFPB ) to ensure compliance with federal regulations. I appreciate your prompt attention to this matter and look forward to receiving the requested information within the timeframe specified by law. I have attached proof that this investigation was not done properly! Thank you for your assistance in this matter, and I expect this information within 14 days delivered in this portal.
Product: Debt collection

Dates N/A Amount XXXX Actions reported to credit bureau about the inaccurate information and it's still on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

did not authorize or do any of these hard inquiries on my reports : 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

I have repeatedly told them ( XXXX ) that they ( XXXX ) didn't run it through the insurance company ( XXXX XXXX XXXX  ) that I have, if they would have ran it through the insurance company it would have been paid. MY INSURANCE NUMBERS ARE AS FOLLOWS : ID # XXXX XXXX XXXX XXXX for you.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :
Product: Bank account or service

My Sam 's Club MasterCard operated by Synchrony Bank had some fraudulent activities on it. The account was closed and a new card was sent to me. Once I activated the card I could then log in on line and check my account. The problem is since Synchrony Bank closed the account I can not go on line and look at any previous charges under my old credit card number. After several call to customer service managers the above statement is true and they have had other complaints about the same lack of service from other customers. The explanation is " That 's the way are system does it. '' Even though they have the ability to look at history the customer/account owner does not. When you get hacked you get victimized twice once by the perpetrator and once by Synchrony. So nice to be a valued customer ... ... ... .NOT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In spite of my requesting an investigation into this account there are still multiple inaccuracies reporting on my account and it's keeping me from obtaining a mortgage as per my mortgage lenders investigation in to my credit worthiness. I wont be approved due to this inaccurate information on my credit report. Why won't you investigate and save me from this pain???? XXXX XXXX  Experian XXXX  Acct # XXXX XXXX Date Last Active : Incorrect Date of Last Payment : Incorrect The name of the creditor is truncated and makes absolutely no sense. The account number is truncated so, I have no idea what the account number really is. The date of first delinquency is incorrect The payment history is extremely incorrect There was no notice of previous dispute There are so many things reporting incorrectly that there is no way that you could have done an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted a request for my XXXX XXXX with COMPLETE SOURCE DATA to LexisNexis ( See attached Supporting Document ) : As of the date of this communication, I have not received the requested report. Would you please provide a copy of my XXXXXXXX XXXXt with COMPLETE SOURCE DATA? 

For verification purposes, I have included a copy of my identification and social security card. 

Thank you for your prompt attention to this matter.
Product: Student loan

In XXXX XXXX  when finishing XXXX school I was misadvised on best repayment strategy by XXXX XXXX. They advised leaving loans in deferment and focusing payments on high interest loans rather than consolidating and starting pslf. This wrong strategy/advice has cost me several extra years of payments. 

See dept of education complaint XXXX XXXX XXXX : XXXX
Product: Credit card

Well Fargo, An ATM withdrawal from my debt card for {$200.00} that I didnt make was the first fraud. I reported that to Wells Fargo and they decided to send me a new card. They asked me if I would like to add it to my digital wallet and I said yes.10 minutes later my card was charged {$910.00}, XXXX XXXX. I didnt even have the card in my possession! They canceled that card and decided to send me a new one. They asked once again if Id like to add to my digital wallet and I said yes. Within 20 minutes my credit card was charged XXXX, {$500.00}, {$12.00} and {$3.00}. Once again the credit card was not in my possession. I called Wells Fargo several times and yesterday they said they would not approve the fraudulent charges for all of these charges. Several fraudulent charges were from XXXX XXXX in XXXX, XXXX and XXXX in XXXX XXXX and XXXX XXXX XXXX. I live in XXXXXXXX XXXX The two debit cards that were added to my digital wallet were compromised by someone else, both of those cards were not in my possession. I am really disappointed in Wells Fargo and how they handled this situation. I am out over {$2000.00} in fraudulent charges. I will contact the police today.
Product: Student loan

I have informed Navient this is an fraudulent acct from XXXX from a school I never attended, Navient just keep sending documentation on fraudulent signature, I requested copies of attendance school manuscript all possible information that leads me to this school. Navient is constantly increasing my balance due to interest since XXXX, when the balance beginning was {$1900.00} as of XX/XX/XXXX its now {$16000.00}. I have been dealing with Navient since I started receiving these documentations of fraudulent sending in my signature which they required, Navient requested I get a police report from 25 years ago which I stated I didn't know of a fraudulent crime was committed until they have provided me with documentation, I have completely worked with Navient to solve this matter because it is affecting my credit report and it is well over due for deletion. Navient has just ignored my responses to this matter and have remain charging me interest which is constantly increasing. 
Thank you.
Product: Credit card or prepaid card

On XX/XX/2020 I received mail from US bank/XXXX  with a debt card produced in my name. I did not apply or this card nor did I request any information for this service. Fraudulently this card was generated without my approval. 

Section # 2 didn't offer the option to list a debt card was generated without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to Equifax, XXXX and XXXX XX/XX/2022 in regards to items reporting inaccurately on my report. It has been well over 30 days and I havent received an update on this investigation. The credit reporting agencies are not complying with their own policies in a timely manner
Product: Vehicle loan or lease

JPMCB Auto Finance is currently reporting on my consumer reports that I have ( 1 ) 30 day late reporting for the month of XX/XX/2018. During that time I had issues with the auto bill pay at my bank as they did not send my payment electronically but it was scheduled to be sent via mail. I was unaware that my XX/XX/18 payment was not received and I was not contacted by JPMCB Auto that my payment was past due. I honestly thought the payment was made. When I realized the funds never cleared my account I made a payment immediately on XX/XX/18. I contacted JPMCB Auto customer service to find out why I was never contacted and to discuss a solution to this matter. I was told that it would not report as a missed payment on my credit, but it did in fact report as a 30 day late. I have had stellar payment history outside of this 1 occurrence and I am currently on pace to pay my vehicle off early as I have been consistently making additional principal payments to the loan for the past 2 years. In conclusion, this negative 30 day late mark on my credit is impacting my overall payment history and preventing me from purchasing a home mortgage. I strongly feel it is truly unfair that I was never contacted or informed of the missed payment and misled to believe it would not impact my consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation was done more than 30 days and yet not has changed, my credit report still has incorrect, misleading, inaccurate information that violates my rights...
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  has updated my wife 's credit report to reflect the XXXX balance on this account, but XXXX has refused to update my credit report as a joing owner even though I've disputed this to reflect a XXXX balance. XXXX is showing I owe XXXX XXXX {$3800.00}. Under the " dispute '' section of my credit report, XXXX reflects XXXX owed to this company because I've filed a dispute with them, but since updating the dispute and resolving it, under the " summary '' section and " credit '' section of my file, they show I owe XXXX {$3800.00}. 

How can I show nothing owed on one area of my XXXX file and {$3800.00} showed on my XXXX credit report and my wife 's XXXX credit report be accurate when it's all the same credit line?
Product: Student loan

I have asked several times about the Obama repayment loan and I have though I was already placed in it. However I have not been helped by my loan servicer they just continue to give me the same rates and put me in their plans that increase my loan by a crazy amounts every year.I have tried to get into the Repaye or Paye and I have had not luck with help from my loan serivcerr. It seems like they do n't care. I have asked to be put another program where I can pay my loans down increase what I pay towards other loans but they just advice me otherwise but I have bills that could have been paid of years ago if they would work with me now XXXX is XXXX. I have been XXXX for 5 years and I have had no help with my loan servicer. I asked them 5 years ago about this plan but they just told me I had to wait 5 years. Come to find out I should have been put in the 10 year program so I can have a better rate and get forgiven after 10 years I have waisted 5 years and I am angry with both Navient and NELNET. I have teacher loan forgiveness for XXXX in like only a penny in a well drop for my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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.
Product: Debt collection

I received a letter from a company called XXXX. They have many complaints on the BBB. They are saying I owe XXXX for taking my child to the emergency room. I did take her but cleared up that bill completely a month ago. I called the hospital to double check that everything was paid. This company is commiting a crime. I don't have a lot of money and I'm trying to build my credit so I am scared.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name : XXXX XXXX XXXX account number : # XXXX ). In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of every individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Student loan

I recently made a large lump sum payment to my student loan. I called Navient ahead of time to confirm that this would decrease my monthly payment amount. The representative stated that it would, and estimated that my payment would decrease from $ XXXX/month to approximately $ XXXX/month. She stated that I should contact Navient after my lump sum payment went through to request a new payment amount. 
When I did so, I received a form-letter email stating that lump sum payments would not typically reduce the amount of the monthly payment, but would decrease the term of the loan. The email said, however, that Navient would honor my request and send me a followup letter when the new amount had been calculated. Instead, the followup email again denied the payment decrease. I called Navient today and spoke to a representative, XXXX XXXX XXXX? ), who consulted with her supervisor, then explained that there had been an error processing the request. She promised to correct the error. Instead, once again I got a form-letter email stating that the monthly loan payment would not be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with XXXX I disputed Three items on my credit report. Yet they have not responded with the results. XXXX will state the information was validated yet not provide proof. Futhermore I have contacted the collectors reporting the info and did not get validation per FCRA. The most recent letter I mailed to XXXX was XX/XX/2018 yet I have not recieved a response. I also included a letter for one collector stating they no longer have the debt yet the still report to XXXX. I have yet since XX/XX/2018 to recieve a response from XXXX with my follow up letters and info on my credit report.