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

In XX/XX/2016, The company XXXX XXXX  XXXX called me representing themselves a XXXXXXXX XXXX XXXX XXXX. They advised me the would could reduce the amount of the loan through a new program offered by student loan service. During the phone conversation on XX/XX/2016, I was unsure of the legitimacy of the company, as I was online at student loans website and saw no reference to the company. I STOPPED the application process. I advised them on the recorded conversation that I wanted nothing to do with company, and that I had not completely fill out their contracts. 

I contact XXXX XXXX  and verified what happened during the Ameritech conversation. Student loans advised they nothing to do with the company and received several complaints to that fact. I advised I stop the application process, and my account should be affected. On XX/XX/2016, I Voided the contract. 

XX/XX/2016, I started receiving emails requesting the documentation be completed. I contacted Ameritech Financial and advised there was no contract with and I wished not to participate as stated in XX/XX/2016. 

A few month goes by, and I was still receiving requests from Ameritech Financial to finish the application process. I decided to check my credit report as I was looking for employment and wondering why I was being denied interviews after a background check process. 

I found that my XXXX XXXX  had been refinanced from several loan amounts, to one huge loan amount of {$56000.00}. I contacted student loan services who advised to call Ameritech, as XXXX XXXX could no longer assist. 

I called Ameritech several times to be advised there is nothing Ameritech could assist with. I called back requested a manager and told them the manager there is no contract and I request to stop the application process during the offer to me, be brushed off. 

I have an insurance license, I was unable to procure employment based on my credit report being XXXX. I refused to pay the company as they consolidated my loans with out my full expressed consent. 

I have attached screen shots to show my loans which were individualized, shows refinanced and switched for a period of 5 to 6 months, and requesting payment. I also included the contract, some emails showing I requested to cancel all documents and proceeding, and the report showing the damage to my personal character. 

The adjustment made to my student loans are egregious. I received a class action law sue noticed and truly believe the advertising and presentation of the company were misleading and of unfair practices.
Product: Debt collection

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 ) This is an unauthorized account popping up on my credit report. This account was opened without my consent or knowledge I would like to have it removed immediately. This has caused a stagnation for me and my financial goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received several unauthorized inquiries on my credit profile. I noticed that some of the inquiries traversed across all XXXX credit bureaus. I sent in dispute letter to all XXXX bureaus and XXXX ( XXXX and XXXX ) of the bureaus have complied with removing the unauthorized inquiries. However, Equifax is refusing to remove the fraudulent inquiries and is demanding police reports and FTC documents to considering removing these inquiries. 

I did not authorized any one to place inquiries on my behave. I have sent several letters to XXXX and filed several complaints with regards toi these inquires. I have even sent certified mail to Equifax to resolve this problem. To date, they are refusing to remove these inquiries and this is causing a financial hardship because of the effects of these inquiries. I am in the process of a home purchase and my good credit is being tarnished by the unauthorized inquiries and my even make me ineligible to obtain this purchase at a undesirable interest rate. It may even assist disqualifying me to obtain the mortgage.
Product: Mortgage

I mailed my mortgage payment to PennyMac Loan Services on XXXX XXXX, XXXX ( I have proof of doing so ), but my payment was not credited to my account until XXXX XXXX, XXXX, the day after the payment is considered late. PennyMac has in the past credited my payment later than the day that it was received. I know this because I have sent some past payments by certified mail and I saw that, on occasion, PennyMac did not provide a credit to my account on the day the payment was received. 
This is not the first time that I have filed a formal complaint against PennyMac with CFPB regarding this same issue. I also filed a complaint on XXXX XXXX, XXXX. On that occasion, I had mailed my payment to PennyMac on XXXX XXXX, XXXX, and PennyMac did not credit it until the day that I filed the complaint on XXXX XXXX, XXXX. 
At this point, I think that this is a pattern of behavior for PennyMac. When I called PennyMac yesterday to complain about my payment being credited late, they immediately started encouraging me to pay my mortgage in other ways ( such as electronic payments ). My impression is that they would rather I use another method to make my payments instead of mailing in a check every month. 
This would all appear to be extremely unscrupulous. At this point, I want PennyMac to sell my loan to a company that will fairly credit my payments in a timely manner as required by law. I have never had a late mortgage payment and it is a pain in the neck to have to take extra measures to be able to prove that I mailed in my mortgage payment on time every month. 
On this occasion, PennyMac did not credit my payment to my account until 12 days after I mailed it, then they charged a late fee to my account. When I asked the customer service representative why they did not credit my account in a timely fashion, she said the same thing that they said 2 years ago : We had bad weather across the country and it held up the mail. She even said that they had trouble getting to their lockbox even though it is in XXXX, Texas. 
The bottom line is that this is the second time that I have submitted a formal complaint to CFPB about this practice at PennyMac. It is a heavy burden to write a large check every month for my mortgage and not know whether I will receive the credit that I am supposed to receive under law. At this point, it is clear that this is not an isolated incident with PennyMac. I will enclose an official Certificate of Mailing from the U.S. Postal Service showing that I mailed my payment on XXXX XXXX, XXXX, as I previously stated. 
It is completely unreasonable that PennyMac credited my payment a full 12 days after I mailed it. Whenever I have sent my payment using Certified Mail, it usually arrives at PennyMac in 3 days. Occasionally, it takes 4 days but never more than that. It is obvious that PennyMac has not credited my account in a timely manner and this is the second time that this has happened. This is a pattern and they should sell my loan to a company that will credit my account on the day that they receive the payment as is required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Late Payment Reporting on Account Number XXXX with XXXX XXXX ( XXXX XXXX ) To Whom It May Concern, I am writing to address a discrepancy between the information provided by XXXX XXXX ( XXXX XXXX ) and the late payment records reported by Experian, XXXX, and XXXX on my credit report. According to the credit bureaus, my account number XXXX experienced late payments in XXXX and XX/XX/XXXX and XX/XX/XXXX. However, after conducting an investigation, XXXX XXXX ( XXXX XXXX ) has confirmed in their letter addressed to me that my account has not been reported as delinquent to the credit bureau agencies listed over the last 24 months. 

Given the inconsistencies between the information provided by XXXX XXXX ( XXXX XXXX ) and the credit bureaus, I am concerned about the accuracy of the late payment records on my credit report. I understand that the credit reporting agencies have investigated these accounts and have deemed them verified. Nevertheless, the presence of inaccuracies on my credit report raises questions about the thoroughness of the investigation. 

As a consumer, I am entitled to know the steps taken by the credit bureaus to ensure the accuracy of the items in question, as outlined under 15 U.S.C. 1681i ( 7 ) Method of Verification - Description of Reinvestigation Procedure. I kindly request a detailed description of the reinvestigation procedure followed by your agency, as well as any documentation used to verify the late payment records on my account number XXXX. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you require further information or clarification. 

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

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I found out that Kohls/Cap One added a collection account on my credit reports. I reach out to them letting them know this account was opened fraudulently & it doesnt belong to me. The representative advise I can settle with and they will than remove it from my credit report. I advise them that it was not my debt and they never sent me the proof in writing as I requested. I contacted XXXX, XXXX XXXX XXXX advising them that this account was fraudulent. They removed the account only for it to updated as verified. I reach out to the credit bureau and advise to them I never received any of the information on my request from Kohls/Cap One for proof verifying this accords opened by me. Im filing this report because I dont know what to do in order to have this collection account removed from my credit profiles that is impacting my credit.
Product: Credit reporting or other personal consumer reports

Im not able to dispute inaccurate information on my consumer report online at service.transunion.com. Im also not able to add or remove a freeze on my consumer report. Ive made multiple attempts to fix this issue and the problem is not being resolved. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The company said we were late for XXXX but we were not when we tried to fix it with XXXX. XXXX did the investigation came back and it was the same thing I called the company and asked them how can we be late for XXXX when we paid all of XXXX and it was just turning XXXX. I told them that's not e 30 days late. They reported it on my credit and my credit score went down as a result. the company fails to do anything about it. I even talked to a lady and sent her all the information and still nothing they didn't even get back to me it's like they don't care.
Product: Credit reporting or other personal consumer reports

Hii, there are fraudulent inquiries on my credit report. The following inquires are fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and seek verification for several collection accounts listed on my credit report. Despite my previous attempts to resolve this matter by contacting the respective collection agencies, I have yet to receive any documentation substantiating my liability for the following debts : Account Number : XXXX Account Number : XXXX Account Number XXXX ( Original Creditor : XXXX XXXX ) XXXX Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am entitled to receive verification of these debts upon request. This verification must include, but is not limited to, a copy of the original contract or agreement showing my obligation to pay the debts in question. 

Furthermore, under Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to dispute any inaccurate or unverifiable information on my credit report. The continued reporting of these debts without proper verification constitutes a violation of my rights under both federal statutes. 

Therefore, I demand that you : Investigate the accuracy and validity of the accounts listed above in compliance with federal regulations. 
Provide Written Confirmation of receipt of this request. 
Supply Documentation that verifies the debts, including any original agreements or contracts. 
Please be advised that failure to comply with this request will compel me to escalate this matter through the following actions : Filing a Complaint with the Federal Trade Commission ( FTC ). 
Engaging Legal Counsel to pursue a claim for violation of the FDCPA and FCRA.

Reporting the matter to the Office of the Attorney General for my state, potentially resulting in legal action.
Product: Debt collection

MBA law {$1500.00} Original debt was owed to citizens hospital in 2021. 
XXXX hospital new employee was not trained to enter issuance correctly. Never received the first bill. 
More than 1 year later, I was turned over to a debt collector. I tried to straighten out bill. Due to I only owed 10 % of {$1500.00}, I have reached my medical deductible that year. The first collection stated that they would go Back to XXXX  and have it straightened out. The debt collector stated it was fixed. 2 years later, the debt is sold to another collector. I stated the issue and proceed to straight it out again. I ask for an explanation of benefits and found out it was still not filed with my issuance. I have offered multiple time to owe my portion ( {$150.00} ), many times and they refuse to file a claim with accordance of being a XXXX provider. 

I do not owe this debt and want it removed from my credit report. 

I have documentation, names and contacts within XXXX that will confirm my called and my attempts to straighten it this bill.
Product: Debt collection

Certified letter was received by the company on  XXXX   XXXX . I had questioned some entries on my credit report. The company failed to respond or report it as disputed on my reports within the 30 day time period. Violating the FDCPA and FCRA. I believe this is up to a {$2000.00} violation now.
Product: Checking or savings account

I went to my TD Bank app to check my balances and it would not open to display my accounts/balances/transactions. It popped up a message instructing me to call the TD XXXX number for assistance. 

I called that number. The lady indicated both my checking and savings accounts were 'frozen ' and I would need to physically go to my local branch. I asked her what was the reason for this, and she responded with, " It does not say why ''. 

I immediately ordered an XXXX ( I do not drive ). Upon entering the branch, the teller asked how she could help me. I explained their app would not display my account information and the XXXX number lady " could not provide account information '' and told me to go to my local branch. The teller looked up my accounts and right away told me to have a seat in the waiting area. Within minutes, XXXX XXXXXXXX XXXX of the branch, called me into her office. Upon sitting at her desk, XXXX asked how she could help me. I explained the same thing, that I was unable to access either of my accounts. She looked them up and said, " Yes, TD has chosen to end its relationship with you. '' I was completely shocked and taken aback. I asked why this was happening, and yet again, XXXX said " there is no reason provided. '' I requested my money from my checking and savings accounts and XXXX told me they can not give my money back to me right now. I have over {$270000.00} in their bank between the two accounts. XXXX said TD will be mailing me a letter and, once I receive that letter, I can then request my money, which will be mailed via check. I asked XXXX how long this process will take and she indicated she did not know. 

In the meantime, I literally have NO MONEY to buy food or medicine. This occurred on XX/XX/23, the day before XXXX! Additionally, tragically, my registered emotional support animal was very sick ( I am diagnosed with severe panic disorder and XXXX  XXXX ; I asked XXXX to show her the paperwork I carry everywhere confirming my diagnosis and reliance on my pet as well as call the vet there in her office so she would know I wasn't making any of it up ; she declined to review it ). I had a vet appointment for him that very afternoon. I BEGGED XXXX for at least enough money to take him to the vet. She said there was nothing she could do. 

My pet later died in my arms, XXXX morning at XXXX. TD Bank killed my emotional support pet. It is now XX/XX/XXXX I am running out of food and I am unable to get medication refills. I literally have NO MONEY. What am I supposed to do??!! How do I get my money from TD Bank???????
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Debt collection

This complaint is against XXXX XXXX and Goodman Frost , PLLC. 

I never received any form of communications from XXXX XXXX regarding this alleged debt but was informed from XXXX XXXX that they had turned it over to the law firm Goodman Frost , PLLC which is in XXXX, Michigan and I was told by XXXX XXXX to contact them to settle the debt. The first I heard of XXXX XXXX was when I contacted the original creditor to negotiate a settlement of the bill on XX/XX/2018. I was told by XXXX XXXX XXXX, XXXX, the original creditor, to contact them regarding settling the bill. I was served the summons and complaint on XX/XX/2018. The summons was not served in a timely manner. The summons was issued on XX/XX/2018, the complaint was dated XX/XX/2018. My address has been the same for more than 3 years and my phone number has been the same for more than 10 years. When I contacted XXXX XXXX law firm, I spoke to a woman named XXXX. Per my phone conversation with XXXX, I requested a settlement amount of {$260.00}. She stated the firm did not have authorization from their client, XXXX XXXX, to settle. This does not sound truthful since they had been given the right to file a lawsuit against me. She was offended and spoke rudely to me when I asked why a {$530.00} alleged debt was being increased to {$560.00} and accused me of " going around and around '' with her, per our conversation. XXXX finally stated it was a {$35.00} filing fee. I went to XXXX XXXX XXXX 's website, it stated that the filing fee was {$25.00} for suits {$600.00} or less. She said she would send me paperwork to sign stating I would pay {$560.00} in monthly payments of {$47.00}. When I received the paperwork, " Conditional Order of Dismissal, '' on XX/XX/2018, the amount had gone up again to {$590.00}, an increase of {$28.00} and stated in this court document that it this was the agreement between the firm and myself, which is not true. XXXX XXXX is not dealing in reasonably or in good faith with me regarding the payment of this alleged debt. There have been no award of fees of any kind ordered by the court in this matter and at this present time, there is no court date for the lawsuit. 
XXXX XXXX did not give me any opportunity to verify the debt, settle the alleged debt, or deny owing the alleged debt. I do have the documentation that I can and will attach it to this complaint. 
I believe there has been several violations of the Fair Debt Collection Practices Act because I received no notification from XXXX XXXX and because the amount of the alleged {$530.00} debt is continuing to increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$4000.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX {$2700.00} I filed an ftc report and spoke with the creditor and they refuse to remove it. XXXX  XXXX XXXX XXXX XXXX {$12000.00} I filed and ftc report and spoke with the creditor and they refuse to remove it. XXXX XXXX XXXX XXXX {$4200.00} I filed an ftc report and spoke with the creditors and they refuse to remove it.
Product: Student loan

3 times XXXX has not pulled a planned scheduled payment out of my bank account. They blame my bank or say they " have no idea what happened '' then instead of trying to process the monthly federal school loan payment again, they defer my loan. Creating higher interest. This has happened to me 3 times, and to my mother twice. They act clueless when you ask questions and tell you they have no idea where my bank account info is or the payment bank info for my account has disappeared all together. This is a SCAM. And I will Not tolerate it.