23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on my home XX/XX/2020. I contacted Pennymac that weekend to get on an excelerated payment plan. I set up a biweekly payment so I would reduce my principle. After a few months I received a statement that stated they DO NOT APPLY my payment towards my mortgage. They keep it an earn interest off my monies and only apply the payment when its the full amount. This is Fraud! Misleading etc. Now my complaint is I receive notices via email, phone text and letters to apply for a mortgage with Pennymac. I have contacted them and stated they must stop! I have a morgage loan with Pennymac and the letters look like there is an issue ( Stamped Urgent ) or the mortgage has been sold. Creating extreme anxiety to me. After a month from the original complaint to stop the solictation, they keep on coming. I want them to stop. Please help resolve this issue
Product: Credit reporting

I am having continued issue with an account that is reporting on my credit report with XXXX account number XXXX. XXXX is refusing to remove the account from my credit report even though i have supplied them with evidence showing this account was not opened by me. Experian is reporting the account as if it was a business account target in their response to the CFPB said this was a personal account. The account states that it was purchased by another lender which originally it was XXXX XXXX XXXX but the account was then returned to XXXX due to the fraudulent nature of the account. The account is reporting Charged off on 2 seperate months and years XX/XX/XXXX and XX/XX/XXXX I would like to dispute all of the above mentioned factors with Experian and they are not allowing me due to the previous disputes. I need this investegated and for the account to be updated accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

BACK IN 2015 MY PURSE WAS STOLEN AT A CONVENIENCE STORE AND WAS NEVER RECOVERED SO UPON CHECKING MY CREDIT REPORT I NOTICED MORE THAN ONE ITEM THAT DOSE NOT BELONG TO ME AND NEVER HAS .THE REPORT I AM REFERRING TO IS MY EQUIFAX REPORT YES I HAVE TRIED REACHING OUT TO THEM WITH NO LUCK .IT SHOULD NOT BE A PROBLEM WITH REMOVING THESE ITEMS DO TO THE FACT THERE IS A FRAUD ALERT ON MY REPORT AND I WAS A VICTIM OF IDENTITY THEFT. THE ITEMS ARE AS FOLLOWS XXXX XXXX XXXX ACCT XXXX XXXX XXXX  XXXX XXXX ACCT XXXX XXXX XXXX ACCT XXXX. I WOULD LIKE THESE ITEMS REMOVED IMMEDIATELY.
Product: Checking or savings account

XX/XX/2020 two separate unauthorized charges of {$4000.00} and {$840.00} plus an additional {$140.00} for foreign exchange fees were deducted from Citizens Bank account. These charges were from a website based in XXXX and a store based in XXXX respectively. That same day I went to my email from the bank and clicked on the option that " one or more of these charges are not authorized '' and then contacted the bank immediately after to file a fraud complaint and was assured that it would be handled and I would not be responsible for the unauthorized charges. I received a case number and was told it shouldn't take more than 7 to 10 business to have the money credited back to my account even though the actual investigation may take months. I received a new debit card and decreased the amount allowed to be charged in a day. XX/XX/2020 I received 2 letters dated XX/XX/2020 stating that there was no error and the money was not posted to my account and they would not be crediting my account back the money that was stolen. I have never shopped at any of these locations and based on my history my spending is done with a few trusted places that I have used frequently and for much smaller amounts. Since then I have not used my card for fear that another theft will happen and my bank will not do anything to help/protect me.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I opened a auto loan with Santander Consumer. In XXXX, XXXX I called Santander telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called Santander and they are very hard nosed and would not remove it. 

In XXXX, XXXX ... I filed a complaint with XXXX  over this 30 day late payment. I received a call from a Santander representative a week later saying ... watch this. 

On XX/XX/XXXX I opened my credit report to a 80 point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. 

I called Santander and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. Santander took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. 

Santandars response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported this to you and to Equifax that they have an address in XXXX XXXX on my credit report and I have never lived there. I want this address removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have one late payment account that in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, and I've attached a copy of my report to this this complaint on XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX ( XXXX XXXX  ) Account # XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX, XXXX  XXXX ( XXXX  XXXX  ) Account # XXXX, XXXX XXXX ( XXXX ) Account # 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.
Product: Credit reporting or other personal consumer reports

Someone has used my social and XXXX  of things on my credit report I didnt have no type of acknowledge or authorized any of it
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681o outlines the civil liabilities for negligent noncompliance under the Fair Credit Reporting Act ( FCRA ). Specifically, it states that any person who negligently fails to comply with any requirement imposed under the FCRA with respect to a consumer is liable to that consumer for : 1. Actual Damages : The consumer can recover any actual damages sustained as a result of the failure.

2. Legal Costs : In the case of a successful action to enforce liability, the consumer is entitled to the costs of the action, including reasonable attorneys fees as determined by the court. 

Additionally, if the court finds that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, it shall award the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

This provision ensures that consumers have a means to seek redress for negligent violations of their rights under the FCRA, while also discouraging frivolous or bad-faith litigation.
Product: Credit card or prepaid card

On XX/XX/2022, I used my social security account ( SSN ) to receive an extension of credit for a credit card with American Express and was sent an adverse action. Pursuant to 15 U.S.C. 1605 a credit card is defined as any card, plate, coupon, book, or other credit device existing to obtain money, property, services, or credit for family or household purposes. I am at the age of majority and have realized competency in the order of my affairs and see this act as discrimination against me and my good faith in my usage of my credit. This has harmed myself and my family from being able to benefit from the use of my account and in the full faith and credit that is promised to my by the United States Codes as a natural living being and original creditor. I believe American Express has violated 15 U.S.C. 1691 in this discrimination and I demand that my credits be made available to me for personal and family usage. No company or partner company was every given permission to furnish any negative information on my account or accounts to American Express to be able to make any type of discriminatory determinations.
Product: Vehicle loan or lease

I leased a vehicle with Ally Financial from XXXX XXXX. During this time, I NEVER missed or had a late payment. When I returned the vehicle, they billed me {$510.00} and automatically took out {$280.00} from my account without my approval. When I called to get an explanation of the charges, whomever I spoke with told me that the {$280.00} was for a security deposit, which was never stated on the invoice. I then asked my dealership if they had any idea what this was for, and they told me to not pay anything until they could speak with them. Unfortunately, this was now XX/XX/XXXX, right when everything was shut down because of covid. I didn't hear from Ally or my dealership for over a year. Ally started calling again so I asked them to send me an invoice stating what I owe and why and then I would pay, but they never sent any documents. Eventually, they sent me to collections in XX/XX/XXXX. I paid the collections right away. I then called Ally to dispute the 'late payment ' they have reported to the credit bureau XXXX They refuse to remove the report even though they have on file that it says the invoices were sent to the wrong address. To add to this, they are saying that as of XX/XX/XXXX I still owe the remaining balance, even though I paid the collections bill on XX/XX/XXXX. I called the collections company to confirm and they said that it is paid in full and they will be sending it off to Ally as a dispute. Ally has reported a late payment for XXXX and XXXX, even though this was paid in XXXX! I have been extremely disappointed throughout this entire situation. Not only did they send the documents/invoices to the wrong address so I could never pay the balance, but their system also has still not updated the paid-in-full balance. I still believe the report should be removed, especially given the fact they have yet to update their system for the paid balance. This is one of the worst and most unprofessional situations I have dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted request to Equifax regarding removing the below inaccurate items from my credit report. 
This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report. 

This inquiry was not authorized! 
XXXX XXXX XXXX XXXX of XXXX XX/XX/XXXX Please remove this fraudulent inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been contacting Equifax for the last year about fraud inquiries, sending letters and a police report and the items are still there, I am effected by someone else fraudulent act and its not fair, I also ask for proof and I still have not received
Product: Credit reporting or other personal consumer reports

I received an email in regard to the CFPB XXXX Lawsuit. 

I feel I was negatively impacted by TRANSUNION, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were " verified ". I did not see any details about the investigation. 

Please permanently delete these accounts from my credit report ASAP
Product: Money transfer, virtual currency, or money service

Cash app closed my account that had {$760.00} in it. When I tried to reach out to someone at cash app I get the run around. I called and was hung up on twice. My account got taken on XX/XX/2023. I have been trying to get this issue resolved since then.
Product: Debt collection

XXXX XXXX XXXX is adding interest on top of a judgment that was paid through garnishments of my wife payroll for the amount of {$1600.00} that includes all charges and interests add during the judgment. However, XXXX is asking for the same amount for post judgements payment interest. For the amount of {$720.00}. 

Collection agency XXXX XXXX XXXX XXXX Wants more money on top of the garnishment that was given by the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX, 2023 Balance {$10000.00} Account number XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX 2023 Account number XXXX {$310.00}
Product: Debt collection

I bought my home in XX/XX/XXXX. I was approached to do a second mortgage XX/XX/XXXX to do some needed repairs on our home. I did not really understand what I was were getting myself into. The interest rate on this loan was 14.92 %, over twice as much as my XXXX mortgage. It was a bad loan from the beginning. We struggled to pay it but with job changes, I stopped paying it in XXXX. The loan has changed servicers several times over the years. I have not heard from them until now. They are attempting to foreclose on my home. This debt is too old. They have no right to start legal proceedings against me after all this time. I filed bankruptcy in XXXX. This debt should have been wiped out then. The statute of limitation has run out on this debt, and they do not have a right to come after me or foreclose on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i hav not received any investigation results
Product: Vehicle loan or lease

After the death of my father on XX/XX/19 who left no assets and no estate, there was an installment loan through Lendmark Financial with his vehicle as collateral. I called Lendmark multiple times as to what we should do with the car. I offered to bring the car to them, but I was finally told on XX/XX/19 to leave the car and could turn in the tags because it would go through the non-payment process and be would be repossessed. A day or two after these conversations, a payment for the vehicle was deducted from my fathers account for {$260.00}. I had to contact them to correct it, but it took over a month for the refund. Now, three months later, after the car has not been repossessed, I called and was told that it would not be repossessed because it was not worth enough. No one had contacted me to tell me this, I had to call them. There is no estate and no assets to pay off the vehicle. I spoke to the office manager XXXX on XX/XX/19 and they are now telling me that I must sell the vehicle on their behalf and would need to bring the buyer to them to pay them for the car and only then would they sign over the lien. XXXX was rude, condescending, and would not let me explain the situation. He started talking about needing to get a lawyer involved if we are unable to do anything with the vehicle and finally told me he had other things to do and wouldn't continue to " go around in circles '' so I hung up. I then got the number for the District manager XXXX and called her. She was more pleasant, but still told me the same information, but did say if we junked the car she would put a note in the account that the junkyard could call for the title. My father is the only one on the loan, my name is not attached to the vehicle in anyway. The car is in Maryland, but I live in Florida. We turned in the tags per their instruction so it is not able to be driven and will need to be towed which could be a financial burden on my part.
Product: Credit reporting or other personal consumer reports

I have just obtained a copy of my credit report and noticed the following errors. XXXX ) XXXX XXXX XXXX XXXX ACCT # XXXX I do not have a contract with this company. Under 15 US Code 1681 C-2, Block of Information, it states me as the CONSUMER deem any account inaccurate, that account needs to be BLOCKED and REMOVED within 4 days of dispute. 

XXXX ) XXXX XXXX  ACCT # XXXX, This is an inaccurate account and needs to be DELETED from my credit report as soon as possible. Section 604 15 US Code 1681 B states nothing should be reporting on my report without my written consent! This is another violation. I have attached documentation as from the fraudulent collection response STATING TO HAVE THIS DELETED!
Product: Student loan

In Edfiancial, I have enrolled myself 4 times into the auto-pay to make sure my payment is made automatically. And I have received letters telling me no payment was ever made. 

I checked back in and saw that my bank is connected, but that there were errors and that it never was submitted. 

No warning is even sent to me letting me know, but I found out a month later making me pay twofold ( something I can't afford ) but struggling to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act,
Product: Credit card or prepaid card

This company has yet to send me a validation of debt letter, please send me information showing that I signed for anything, provide me with proof that you have my identification with opening up this debt, please provide me with any payments that was received with your company, Also please provide me with all information showing what was given to open up this account, PROVIDE ME WITH MY SIGNATURE ON OPENING THIS ACCOUNT ASAP
Product: Mortgage

XX/XX/year> I recieved a reinstatement statement from the servicer. I recieved someone elses information. I am concernered that my information was sent to someone else. 
I received loan information and addresses,
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern XXXX, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse XXXX XXXX XXXX XXXXXXXX {$300.00}, XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$500.00}, XXXXXXXX XXXX XXXXXXXX {$2000.00}. As you know it is against the law to report any information not proven accurate. I demand that you provide me with concrete evidence of my obligation to said accounts. Please be aware that all negative remarks found on my credit report are a violation of the FCRA and FDCPA when you can not furnish the validity of the remark. am not in dispute of the ownership of the account but it you are unable to provide the full reports of how you validated, verified, and how you are in compliance then you must remove the account from my credit report. 

Best Regards, XXXX XXXX XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I am being sued by XXXX XXXX XXXX XXXX XXXX for a debt that has been paid and is also now past the State of Colorado 's statute of limitations of 6 years. My " loan number '' XXXX is also involved in your suit against XXXX by CFPB. Your stipulation tells all lawsuits to stop any legal proceedings until all XXXX laons can be sorted out by an independent auditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, when signing up for a TransUnion Credit Monitoring account, I was told to input a credit card information to verify my identity on their website. What they did instead was creating a subscription for their service under my account for {$27.00} ( tax included ) sneakily. 

I bet they covered this up in a very small print or link somewhere in the website. I provided my credit card information NOT knowing that I will be charged any amount. I would not have provided it had I known it would be sneakily charging me every month. This is a very predatory behavior and is widely documented online ( try searching XXXX for the term " transunion automatically subscribe me '' ).
Product: Debt collection

The debt was sold to this agency. My credit report is showing that I am past due with this company {$630.00}. Since the original balance was never with this company, this account should not be reported as past due. I have also noticed that every few months the account balance is being reported to credit bureau increased by {$1.00} to keep it active. This appears to be an attempt to manipulate the accounts status inaccurately. When I requested validation, they used a scare tactic to force me to make payments which included taking me to court. 

Under XXXX XXXX. XXXX ( FCRA ) and XXXX XXXX. XXXX ( FDCPA ), all information reported must be accurate. Due to the inaccuracies in the reporting, I request that this account be removed completely from my credit profile. Additionally, I request that this debt not be sold or transferred to another third party. 


Thank you for your prompt attention to this matter.