23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage company is PennyMac. They failed to pay the XXXX, XXXX school tax bill, although it appears they paid the prior and also subsequent school tax bills. I discovered this a few weeks ago when I received notification from the XXXX, NY County Treasurer ( which included a threat of taking my home if this is not paid ). I contacted the school district after I was able to learn that was the unpaid bill ( the County Treasurer letter only indicated there were unpaid taxes ), who were very nice and informed me the XXXX, XXXX bill had not been paid. 

I have contacted PennyMac several times, by phone and through their website messaging center ( for which I log in to my account on the PennyMac website ). The initial written complaint to PennyMac was XXXX/XXXX/XXXX. The most recent attempt to get a result in writing from PennyMac was XXXX/XXXX/XXXX, in writing through their website again. I also called PennyMac today, XXXX/XXXX/XXXX. 

I have, as of a couple of minutes ago, had no response to the XXXX/XXXX/XXXX written message to PennyMac insisting on an immediate response and written resolution. In that same message I indicated I would pursue action through Federal legal AHJ if I did not receive a response and written resolution. 

Since I have not, herein I am initiating action through your Agency vs. PennyMac.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 sent one of my first letters to the three credit bureaus to dispute the accuracy of student loans from the Department of Education ; with the account numbers XXXX on or about XX/XX/XXXX. Among the inaccuracies I listed was that the Department of Education, and DEPTEDXXXX duplicated similar derogatory information for the same student loans. It is negligent for TransUnion to allow Department of Education and DEPTEDXXXX  to Morph or duplicate negative credit information for the sole purpose of injury. After 73 days of inaction, it is clear TransUnion doesnt want an amicable resolution. 
Another inaccuracy with the Department of Education account on my credit report is the date a single account was opened. Transunion is : XX/XX/XXXX and XXXX is : XX/XX/XXXX 5 U.S. Code 1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer I have attached my account information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will see that my student loan is in Forbearance. 
A fair resolution is for TransUnion and XXXX to immediately delete the four Department of Education accounts listed on my credit report for not complying with FCRA.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I noticed XXXX added a new collection to my credit report by collection agency credit corp solutions account number : ( XXXX ) but this account was charged off with original creditor XXXX XXXX XXXX XXXX XXXX XX/XX/2023 account considered 1099c cancelled debt to be filed on taxes my credit report even show I owe {$0.00} balance for this account. Several months later down the road the collection agency XXXXorp solutions attempts to collect on a 1099c cancelled debt account and reporting this as a duplicate account because its already being reported on my credit report by XXXX XXXXXXXX XXXX XXXX XXXX account number : ( XXXX ) please remove duplicate accounts this is not lawful thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}, XXXX XXXX XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXX XXXX Balance XXXX {$5000.00}XXXX XXXX XXXX XXXX  A XXXX Balance : {$1700.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1800.00} XXXX XXXX XX/XX/XXXX
Product: Mortgage

To Whom it May Concern : I would like to file a complaint against Specialized Loan Servicing , Inc. ( SLS ). Upon transferring my loan to SLS there have been numerous billing errors, incorrect information reported to the credit reporting agencies, and an unwillingness to correct any errors. Here are some of the numerous errors that effected my account:1 ) Balance Due : My initial statements listed my balance due at {$150000.00}. This was over twice the amount I owed ( $ XXXX ). 

2 ) Billing Statement Errors : APR/Per Diem Interest Rate : They incorrectly billed me at over 8 % interest. My rate should have been 4.75 %. I was over charged {$320.00}. They later corrected the interest charges but never removed the overcharges. 

3 ) HELOC Billing Rights : Under the terms of my loan, all disputed discepencies must be corrected within 90 days and will not be reported to the credit agencies. 
My attorney contacted SLS in writing on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. We also called numerous times to no-avail. 

4 ) Harassment/Over Charges : The entire balance was paid in full on XXXX XXXX, 2015. They continue to send me bills and continue to charge me fees. They have already charged me recording and processing fees XXXX ( which I have paid ). They continue to send me bills stating I owe them an additional {$1700.00}. 

5 ) Inaccurate information Reported to Credit Agencies : Despite the many errors they reported faulty information to the credit reporting agencies. They never corrected the overcharges. Despite my disputes they reported my account as over 90 days late to the credit agencies ( which was not allowed according to my HELOC agreement ). The account was paid in full in XXXX, yet they refuse to remove it from my credit report. When I call, they have told me that because I have disputed the information, they can not remove the late pay or adjust the inaccurate information. 

I can send copies of all of my statements and bills, the letters from my attorney and an XLS spreadsheet of all the errors that I have experienced for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Unauthorized inquires on my credit report that I do not recognize or did not authorize. 
XX/XX/2024 CAPITAL ONE CAPITAL ONE, XXXX CAPITAL ONE XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/202XXXX 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

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$1300.00} XXXX RXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$280.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I got a loan for {$840.00} from River Valley Loans on XX/XX/2022. Since then I have paid 7 biweekly {$150.00} payments, a total amount of XXXX. I contacted River valley surprised that I was still being charged, thinking I had paid it off. Just to be told that I only paid {$8.00} of my principal. How is that even legal? The payments are very high for a small loan and way too high of interest charges. I contacted them again and the only thing they would do is slightly reduce the payments. But would not reduce the principal I owe.
Product: Credit reporting or other personal consumer reports

I recently disputed an account with XXXX which they removed. The same day my credit score with XXXX went up by XXXX points my Equifax score with down by XXXX points. Both companies show one change which was my XXXX XXXX account balance went down. I believe XXXX, equifax, and XXXX XXXX  are playing games with my credit file.
Product: Debt collection

XX/XX/year> Formal Complaint Against LVNV Funding LLC, Dear Sir/Madam, I am writing to file a formal complaint against LVNV Funding LLC regarding their unlawful practices in violation of consumer protection laws. The actions of LVNV Funding LLC have resulted in severe violations of my rights as a consumer, as outlined in the following laws : 12 CFR 1006.34 ( b ) ( 5 ) : LVNV Funding LLC has failed to provide validation information required by this regulation, yet they have proceeded to place a collection on my consumer report. This omission of crucial information directly impacts my ability to verify the accuracy of the debt being reported. 
12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Despite the aforementioned lack of validation information, I have not been afforded the opportunity to dispute the account as mandated by this regulation. LVNV Funding LLC has denied me the chance to challenge the accuracy of the reported debt, further exacerbating the injustice of their actions. 
False, Misleading, and Deceptive Practices : It is evident that LVNV Funding LLC has engaged in false, misleading, misrepresentation, and deceptive means in their dealings with me. These unethical practices undermine the integrity of the debt collection process and harm consumers like myself. 
12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : LVNV Funding LLC has furnished account information to consumer reporting agencies without providing the necessary disclosures required by law. This blatant disregard for legal obligations demonstrates a flagrant violation of consumer rights. 
I am deeply concerned about the impact of LVNV Funding LLC 's actions on my financial well-being and reputation. Their conduct not only violates federal regulations but also undermines the trust and confidence consumers should have in the integrity of the credit reporting system. 
In light of the foregoing, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against LVNV Funding LLC. I also request that all derogatory information related to the disputed account be removed from my consumer report until such time as LVNV Funding LLC has complied with all relevant laws and regulations. 
Enclosed with this letter are copies of relevant documentation, including correspondence with LVNV Funding LLC and any other pertinent evidence supporting my complaint. 

I am requesting debt validation. I am also requesting the Purchase agreement between LVNV Funding LLC and the original creditor. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take swift and decisive action to address these violations and protect the rights of consumers. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have been informed when I started myForbearance Plan with XXXX XXXX XXXX XXXX that my credit score will not be affected. This has also beenwritten in their Forbearance Plan that credit scores will not be affected. 
The Credit Bureau has informed me recentlythat my credit score has been impacted and lowered severely because of my Mortgage loan ( ForbearancePlan ). 
I am disputing what happened, and I was hoping you could help me restore my credit score as it used to be because this doesn't seem right and not fair. 
Please, I am looking forward to your helping me resolve this matter by contacting the3 Credit Bureau ( XXXX ) as soon as possible. 
Regards XXXX XXXX XXXX LOAN # XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf. After reviewing my credit record, I found instances of late payments. Despite sending letters more than XXXX days ago, I have not received a response, and they have not provided satisfactory validation. I request your assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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 the receipt. It has been 30 days and they are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATLEY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Did not consent to unauthorized inquiries below, the inquiries were not authorized. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

My sister in law was homeless and broke, owed $ 700+ to a XXXX. My wife decided to get her stuff out of storage and negotiated with the XXXX to pay {$100.00} to get the stuff out and settle all accounts. My wife put the {$100.00} charge on our Bank of America credit card They loaded up a pickup load of stuff and moved out. When we got our credit card bill there was an additional charge of {$400.00} on the card, made 3 days later, without our approval. We protested the charge to the credit card company, telling them that we authorized the {$100.00} charge but did not authorize the additional {$400.00}. They eventually told us that the charges were valid because we had given the XXXX place our card number and a family member was involved. We told them that we had in good faith authorized the first charge, but not the second and that they should back us up. I also told them that by that logic if I bought a {$20.00} clock from Target on Monday, that they could then charge a {$200.00} item to me several days later. They will not do anything to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company allowed my most personal and valuable information to be compromised, putting my financial security at risk. The company 's response has been grossly underwhelming and inadequate. I have already received notice from my bank that my credit card information was compromised and have had to order new cards. This is only the first incident that I 'm aware and more could come. They need to be held accountable and do so much more than just offering CREDIT MONITORING. This response is despicable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a dispute with XXXX and Experian to verify and there was inaccurate account information on my credit report. Both agency have fill to comply with the laws set in place when it come to updating me on the investigation. It have been will over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing all three credit reports i found inquiries that did not belong to me, a couple of months ago i discovered my identity and personal information was stolen. i contacted all three credit beaureus and was able to resolve the issue with XXXX and XXXX, however Transunion would not delete the fraudulent inquiries. i have sent several letters and made several phone calls and have yet to get this issue resolved. i submitted a complaint with the Federal Trade Commision and mailed it to Transunion but they said they never received it. i have uploaded a copy attached to this complaint. I have advised them several times however they still will not delete the inquiries. Transunion is in violation of the fair credit reporting act by countinuing to report these inquiries.
Product: Checking or savings account

I had a check deposited in my account and the flagged my account so I couldnt access it online. I needed up going into the bank to discuss it and was treated like a criminal by the person I dealt with. She asked me personal questions she had no business asking me and tried to put words in my mouth. They needed up closing my account and Im still waiting to get a cashier check for money owed to me. It was horrible the way they treat you in the branch I was so upset by the time I left. Im glad Im not with them any longer and I was with them for many years.
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX States : no consumer reporting agency 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 XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.