23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter in the mail from my mortgage servicer, XXXX XXXX who took over my mortgage shortly after I purchased my house. The letter was dated XXXX XXXX, 2017, but I received it on Friday the XXXX. The letter stated that they did not have information regarding my homeowner's insurance policy. I logged into the website, and it shows that they have the information of XXXX XXXX XXXX, which is the homeowner's branch for XXXX. They also had the policy coverage information as well. PennyMac claimed to not have any insurance information over the phone. I called XXXX to have them fax the policy information. I was told that the policy had been cancelled the month prior in XX/XX/XXXX due to nonpayment. I had to pay out of pocket to reinstate my insurance, which will result in no lapse in coverage with the reinstatement. PennyMac is failing in its contractual obligations and fiduciary duty to manage my escrow account. The escrow transactions show there has been no payment for insurance on my home.There are consistent complaints, and there was recently a class action settlement with PennyMac regarding lender-placed insurance with new companies that charge much higher rates. It is clear that PennyMac has a consistent policy of not paying insurance premiums so it can force a cancellation to justify a lender-placed insurance with one of its "preferred" companies who charge excessive rates and most likely give PennyMac a kickback as some form of referral fee.
Product: Checking or savings account

Received a letter stating I need to call about a business account I have opened and if I don't they will close my account by XXXX I called now XXXX, XXXX of which I was on hold for XXXX mins to XXXX mins. I am on the phone for my business I work XXXX jobs and can be on hold for almost XXXX hours!
Product: Vehicle loan or lease

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : SANTANDER CONSUMER USA. 
DATE OPENED : XX/XX/2012 AMT. XXXX THEY SAID THEY DID NOT RECEIVE A CLEAR ID, WE FAXED IT TO THEM AND THEY SAID IT WILL BE REMOVED WITHIN 48-72 HOURS, IT HAS NOW BEEN OVER A WEEK.. WE STARTED THIS DISPUTE 2 MONTHS AGO, IT HAS BEEN OVER 30-45 DAYS. WE HAVE PROVIDED THEM WITH THE POLICE REPORT, ID THEFT AFFIDAVIT AND ID THEFT REPORT.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of dispute. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 

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 did n't fall into any of the previous categories so I just clicked random to get to here so I could write in detail. 

Why am I penalized on my credit report for hard inquiries? This is just me utilizing my credit in an active way. I am a XXXX XXXX XXXX and own several XXXX and I like to shop for the best credit cards to maximize the most points I get. 

I am penalized every time I open a new credit card or close one that I do n't want anymore. I am penalized every time I buy a new XXXX, I am penalized with every property insurance policy, because these are hard inquiries. 

I use my money and credit wisely and have never been late or missed a payment ever on anything. This is a very unfair policy to penalize me for using MY OWN CREDIT. 

My credit score should be maxed out at XXXX. Please take steps to abolish this very unfair rule that the reporting agencies use to penalize us that use our credit wisely. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Upon reviewing my prior CFPB disputes and reviewing my updated consumer reports. 
I noticed that there are still some items reporting on my consumer reporting inaccuracies Wiith my XXXX XXXX Please see the following accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There are three other XXXX XXXX where are reporting inaccuracies as well. 

Please see supporting documents
Product: Vehicle loan or lease

I have tried contacting since XX/XX/2018 and on alsoXX/XX/2018 Ally to help lower my payments because of a passing in my family.

They never allowed me to lower my payments.

Then It got to the point where they repossessed the car on XX/XX/XXXX which is a XXXX XXXX XXXX. I had been making my payments on time until a few months ago.

After they repossessed my vehicle I called 3 times again and kept getting transferred.

After I finally spoke to XXXX a customer service agent of the company i told I wanted to know how much of all of my payments were going to the surety bond for this loan. I got transferred over 3 times and no one would give me an answer.

I know that all loans include a Surety Bond and I am aware that she inform the customer upon request.

I know that The surety bond has enough to cover the remaining balance of the loan
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX XXXX received a bill in my mail at address located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/23 from XXXX XXXX XXXX for a loan that was allegedly taken out via cashing of a mail check in the amount of XXXX on XX/XX/23. Upon reviewing this bill, I realized that I have never and would never cash a check from said company. The following day I went down in person to the local branch of said company located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and spoke with two employees regarding the fraudulent charge. An employee there provided me with a copy of the check that was cashed in my name on XX/XX/23 in an account with Navy Federal Credit Union via mobile deposit. I have never had an account with said bank. The number on said check was XXXX. The signature on the back of the check was forged, and an XXXX readable signature was written beside my name. The phone number on file both on the check and in XXXX XXXX XXXX system as provided by both employees was that of XXXX matching neither my personal or work phone number or any associates or relatives of myself. Also included on the back of the fraudulent check was the first three of a Social Security Number of XXXX, again not matching myself or any known associates or relatives. After gathering this information I then proceeded directly to the XXXX XXXX XXXX XXXX XXXX XXXX a police report for fraud and forgery. I spoke with XXXX XXXX ( XXXX XXXX XXXX ) and filed a complete police report under forgery and fraud. The case number provided was XXXX. XXXX XXXX advised me that I cold pick up an official copy of the full report within XXXX to XXXX business days from the date the report was filed on XX/XX/23. I then returned to the XXXX XXXX XXXX XXXX XXXX XXXX at the address mentioned previously, and spoke with the same employee and provided a copy of drivers license and the pamphlet with the officers name and case number provided to me by the XXXX. XXXX took copies of information. I was then advised that once the official police report was made available to bring it back along with a copy of signature to be provided to the fraud department XXXX XXXX XXXX XXXX. I agreed and will return with information as soon as available. I then reached out to the fraud hotline of Navy Federal Credit Union at XXXX. I spoke with the agent over the phone who located that check and opened a fraud claim. The agent advised me that I would receive mail correspondence in 3 to 5 business days. I have also filed a report of suspected mail theft/ fraud with the United States Postal Service Inspection Service XXXX From there I was advised to file with the CFPB as was done on XX/XX/23.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE ANYONE EMPLOYED BY THESE COMPANIES TO MAKE AN INQUIRY AND VIEW MY CREDIT REPORT. I ALSO DID NOT GIVE XXXX PERMISSION TO FURNISH THIS INFORMATION ONTO MY CREDIT REPORT. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT SECTION 1681 ( B ) C WHICH CONSTITUTES AS FRAUDULENT ACTIVITY AND IS ALSO A SERIOUS BREACH OF MY PRIVACY RIGHTS.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to address and prevent fraud leaving my information vulnerable and unprotected. They also failes to comply with 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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: Checking or savings account

my account was closed after I discovered my card had been used without my authorization. I have funds on my account and they won't send
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, On XXXX XXXX, 2018, I was in the XXXX XXXX store, and wanted to pay for my car repair. 
They told me that we can apply here for our credit card, XXXX XXXX Credit Card, then you can pay this large amount in 6 months without any interest. Using my info, they applied and then they told me that your application was declined. I found out from the sales associate person that since they didn't have my full first name on file, they applied with a wrong name, and later on, in the mail, I received a mail from the credit company, XXXX XXXX XXXX XXXX ( XXXX ), that we were not able to verify your info with your social security number and so it was declined. 
So now, basically, due to their incorrect application, I have a hard inquiry listed on my credit report and I haven't got the credit card, and it's having a negative impact on my score.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX NA XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

Sallie Mae called my former fiance, who I have had no ties to for over XXXX years, my best friend, my mother and my XXXX XXXX XXXX  and left messages regarding " my name '' and an important business matter '', saying they haven't been able to reach me. These people are not co-signers on my loan. Further, they call me up to XXXX times a day. I am working with a debt consolidation program and informed them of that but the calls have continued. Contacting these people, aside from me, began on XX/XX/24. I feel this is a huge violation of my privacy and rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my next endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed XXXX XXXX  XXXX XXXXXXXX XXXXBalance : {$110.00}
Product: Mortgage

My mortgage payment went up, I am on a fixed income and I can not afford additional expenses. I am afraid that I will default on my loan because the payment increased. The mortgage company will not assist me with a modification because I'm not late. I need a lower interest rate, it's going up 5 % in XXXX. They told me they had other programs but didn't tell me what they were.
Product: Vehicle loan or lease

Flagship credit is calling and harassing me several times a day, I was told they would set up a payment so i wouldn't be behind but the calls are annoying and I have tried to get caught up but they won't stop calling about ten times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was laid off during the pandemic. Late payments were Not suppose to be reported during this time companies were suppose to offer forms of relief l. However certain companies such as XXXX XXXX stated you needed to be 90 days late before the could offer relief and then went and reported those 90 days late. When I was a victim of unauthorized credit card usage and and fraudulent charges the companies still allow these charges even after I gave them the police report and statements from XXXX confirming that my account was being used in XXXX I live in XXXX. The companies offered no form of relief and just continuously harassed for payments and balance due when it was proven the charges were not authorized and caused by online purchases through and XXXX hack. So for Experian, XXXX XXXX and XXXX to report this that would now deem this a case of defamation of character by color of law.. it is deceiving this needs to be corrected and I have gone over and beyond through their dispute process and tried calling but no one gets through the number listed.
Product: Credit card or prepaid card

We opened a Citi credit card around spring of XXXX. Fraudulent charges started within the 1st month. We contacted Citi ; they closed account and issued new card. All the transactions made on this card were fraudulent. All but 2 were removed by Citi. We've been trying to get this removed since last Fall.

Citi phone records will show detailed records of many dozens of calls from us to many of their representatives to include Fraud, Customer Service, Security, Technical Assistance, etc. to our last call on XX/XX/XXXX with XXXX, then XXXX, in which we were told to call the Fraud Dept., again. We told them we were done taking the endlessly considerable time to resolve this and would contact the CFPC and issue a complaint. 

We started to document phone requests to Citi resolve this year and wrote Citi on 2 occasions in order to resolve these last 2 fraudulent charges. The first letter was sent by email on XX/XX/XXXX. The second letter was sent by snail mail on XX/XX/XXXX. We never received a reply to our XX/XX/XXXX letter. 

Citi recently reported our refusal to pay to the 3 Credit Bureau Agencies which has seriously reduced our credit score over an issue that does not even exceed {$100.00}. This is irresponsible, reckless and seriously economically harmful to us. 

We've done everything we can to get this information corrected with Citi but their Online Dispute process is faulty and resulted in an inaccurate description in their dispute resolution response. Every one of our many, many conversations with Citi Representatives is positive and fruitful but the problem lies with Citi 's reliance on resolving disputes online only.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, This is a serious matter. 

I am expecting you to act with my authorization to immediately remove and adjust the credit report in my name with entries that do not belong to me at once! 
Please see the attached complaint!
Product: Credit reporting or other personal consumer reports

This complaint that I am writing/sending is absolute and certain. I am extremely frustrated on the errors being reported on my credit, I can not ignore these any longer as it has been affecting all aspects of my life negatively in ways you can not imagine. I am not getting approved new credit because of this errors and it's stopping me from having financial freedom and stability.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had several late payments on an account that I was never late. 

XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

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

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts, inquiries and Incorrect Addresses, that are reporting on my Credit Reports : Accounts ; XXXX XXXX XXXX Balance {$1700.00} ; XXXX XXXXX Date Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX XXXX XXXX XXXXX Date Opened XXXX. XXXX, XXXX Balance {$140.00} ; XXXX  XXXX Balance {$0.00} ; Inquiries : XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is a follow up on a complaint I filed on XX/XX/2022 ( XXXX ) that is still not resolved. PHH Mortgage has failed to refund my escrow account. An initial refund check was lost in the mail. The company sent a second check which I have never received. With the previous complaint to the CFPB, PHH sent me a copy of the cashed checked. Upon examining the check, I took extreme note OF A NAME I HAVE NEVER HEARD NOR SEEN as an " OR '' on the check ( see attachment ). " XXXX XXXX XXXX '' is not someone I know nor is someone I have ever authorized to received monies for me. There is VERY clearly fraud going on here, so it is ASTOUNDING to me that PHH continues to flick this away. There is very clearly some type of security breach in their mailing system that is in fact defrauding people. I would very much encourage someone forward this complaint to XXXX 's legal department for review. This is extremely serious and frankly not just unfair, however blatantly illegal and fraudulent.
Product: Credit reporting or other personal consumer reports

I CONTINUE TO MONITOR MY CREDIT REPORT AND THIS ACCOUNT FROM XXXX XXXX XXXX XXXX KEEPS APPEARING ON MY TRANSUNION CREDIT REPORT IT WAS DELETED OFF MY XXXX AND XXXX CREDIT REPORT AFTER THEY BECAME AWARE OF THIS ERROR AND VIOLATION. THIS ACCOUNT NEEDS TO BE DELETED OFF MY TRANSUNION CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove these Incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX, WA XXXX, XXXX XXXX XXXX XXXX XXXX, WA XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX, Fraudulent accounts : SXXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX : {$27000.00}, XXXX XXXX XXXX XXXX Balance : {$14000.00}, and ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00}, and erroneous name : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX XXXX XXXX that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have a loan with Caliber, I made payments during the past few years,, yet they were not applied, mainly because the loan was transferred from XXXX to Caliber. 
I contacted XXXX and asked them to send me statements from my billing history, so Caliber can apply the credits to my account
Product: Student loan

Today, XX/XX/2018, I called my student loan servicer, Navient ( XXXX ) to report I was back to work but because my wife 's deductions were so high on her pay that making payments was a hardship. I was advised that I was out of deferrment time, as well as forbearance time ( which I have no problem with ), and was advised that I did not qualify for income driven repayment plans. The rep advised me that if I gave Navient my bank account information and allowed them to take auto debited payments she could make my account current. I advised I didn't want to give out that information as I have been an identity theft victim in the past. So the rep advised that my only option was to make partial payments in amounts I could afford until the account was current. I clarified with the rep that if I had understood correctly, that if I provided my bank info, she could make my account current, but if not she was unable to help. I find this to be nothing short of blackmail.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022, I mailed a certified letter to Experian demanding that all inaccurate names be removed from my credit profile, and in fact, I supplied them with written information of the correct spelling of my name as it should appear on my report, and all other variations of my name should be removed, as they are in fact not my name. My legal name is XXXX XXXX XXXX, and all other spelling variations should be removed, as that is not my name nor have I ever gone by that name.