23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PennyMac raised my mortgage amount from XXXX  monthly to XXXX  monthly. This was done without notice to me. PennyMac states they mailed a letter to me which was not received and there were no other messages. When I found out about this, I discovered that my homeowner 's exemption had elapsed. I immediately updated the info with my county accessor and furnisehd the new information to PennyMac. Their response was to tell me there was a negative balance on my escrow account which was caused by the incorrect taxation amount. I paid off the negative balance and requested that they close my escrow account and adjust my payment accordingly. I created new monthly deposits to my savings account to cover yearly tax and insurance amounts. 
Today I received a letter which stated they would not close my escrow account because my loan to value ratios were not met. In a message on their message center it read as ; Dear XXXX XXXX, We apologize for the delay in responding to your request. Unfortunately, we are unable to approve your request to delete the escrow account at this time. The reason for the denial is that your current Loan-to-Value ( LTV ) ratio of 85.93 % does not meet the minimum requirement for escrow removal, which is an LTV of less than 80.00 %. We understand that this may not be the news you were hoping for, and we apologize for any inconvenience this may cause. Please let us know if you have any questions or if there is anything else we can assist you with. 
I replied with the following ; Good afternoon, I received a letter today regarding my request to close my escrow account. Perhaps not surprisingly, I never received a direct reply to my messages in the message center. I was informed in your letter that Pennymac will not honor my request to close my escrow account. I also see that my current escrow amount has not been updated as previously requested multiple times, in spite of having paid off the negative balance. The letter states that my request was not honored because my loan to value was not met. In this case please give me your numbers on my loan to value. VA loans do not require an escrow account. VA loans also only require a loan to value of XXXX percent. I expect an answer immediately, or my next communication will be to the Consumer Financial Protection Bureau to file a complaint. 
To date PennyMac has not adjusted my mortage payment to reflect the paid off negative escrow balance and they are refusing to honor my request to close my escrow account. My loan is a VA loan and according to information available on the web the loan to value amounts need only be XXXX percent for no escrow and VA loans do not require an escrow. Unfortunately, with interest rates higher than when I purchased I can not refinance with an XXXX, which I would have already done if the interest rates were the same or lower than my current rate. I would only refinance with the stipulation that PennyMac never service my loan.
Product: Credit card

Due to Covid 19 financial hardships have not been able to pay credit card bills
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and equifax have been found liable to inaccurate information and false approval offers. To which they are still doing and not removing inquiries. I have multiple hard inquiries due to XXXX XXXX & equifax false approvals lowering my credit rating and increasing my inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made my payments on time the credit card company applied the payments to an old closed account, after contacting them they fixed the problem and applied all payments and waived the late fees, but they still reported as late to the credit reporting agencies I tried to dispute with XXXX, equifax and XXXX  for the wrong information but no response.
Product: Credit reporting

I fought this medical debt over a emergency XXXX XXXX w/my insurance for 2 years, it is now paid in full by me, but there are several things wrong in the details. 1. This account was NEVER verified EVER with me, I asked for it via dispute XXXX times & received canned response that it was.they claim calling and inquiring about it counts as verification.2.delinquent date is listed as XXXX-XXXX, WHEN I was still in the hosp I was already delinquent? 3. terms are listed as 1 month? there was no terms.4.It lists a high balance for credit limit, being a medical bill there was no credit limit.2.all kinds of extra comments listed,XXXX of the credit agencies even list it as a charge off/repossession, a much worse listing than medical debt.5.All XXXX credit agencies have different dates of first reporting.6. was threatened by XXXX XXXX XXXX after paying the debt that if i contested it further there would be trouble for me, and in fact updated the info on full payment so it now looks like a fresh debt, causing max damage to my scores. 

I would like to know how you can be treated for an unexpected medical bill the same as someone who say runs up a credit card, or defaults on a car note. My other XXXX bills/trade-lines are paid, always are. But because I was sick and needed help that one time I should be punished after the fact, and for 5 more years as well? ( Until 2019 ) In FACT it will cause it to update & cause my score to drop further. Why should a minor medical bill make me unable to have a home loan? How this is fair is not the question, it should be how this is legal is what I want to know. Where is the incentive to get people to pay their bills if they will still be punished regardless of it?
Product: Credit reporting or other personal consumer reports

I'm filing this complaint myself about late payments on my credit record. I found these late payments when checking my records. I sent letters about this over 30 days ago but got no response or proper validation. I'm asking for your help to fix this quickly and effectively.
Product: Debt collection

Portfolio Recovery is suing me in XXXX XXXX XXXX XXXX XXXX ( Ohio ), on a debt that I requested validation for. They did not validate the debt, they just sued. The suit amount is well below the level for a small claims case here, yet they filed in XXXX XXXX in order to make pleading and responding more difficult without the help of a lawyer. 

I am XXXX and I told them to cease and desist calling my number, because I was XXXX I wanted all communications in writing, and the calls served only to harass me. 

They have continued to call me even after filing this lawsuit. I wrote their attorney twice telling him to instruct his client to cease and desist contacting me by telephone. 

The calls have not stopped. 

Among other FDCPA violations, they have continued to park the debt on my credit report even though I have disputed it, and its involved in pending litigation! 

The attorney will not provide the forward flow agreement, the statement attached to the lawsuit shows a supposed payment on the account THAT I DID NOT MAKE. Portfolio Recovery is facing a class action lawsuit in Illinois for this very thing, indicating a payment when none was made in order to re age accounts, attempt to prove a contract on account. 

Further they mail all their letters from a place in California. This is a mail house. They have transmitted my data including things like my social security number to this third party in violation of the FDCPA ( see the recent 11th Circuit decision ). 

Their bullying litigation tactics to force me to pay a debt they refuse to validate ( suing in a higher court, re aging accounts, parking the debt on my credit report, continued telephone harassment after filing suit ) all violate the spirit and the intent of the XXXX  consent decree they entered with you. 

Their attorney will not communicate with me, but continues to forward the case, refusing arbitration which the contract attached to the lawsuit specifically prescribed. I do not believe I am receiving fair treatment in this court PRA chose, as the most recent denial of a motion to compel arbitration was entirely ghost written by this attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 A States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Consumer Loan

Harassment, Trying to collect more than owed, Failing to send written notice of debt, Failing to verify disputed debts, Ignoring Cease Communication Requests.
Product: Debt collection

the cbe group or XXXX cable is attempting to collect a debt XXXX XXXX from me that I do not owe.I have no notification from either company concerning this matter.I do not have an open account with XXXX.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, I AM WRITING TO UPDATE/CORRECT MY PERSONAL INFORMATION ON FILE WITH YOUR COMPANY. 
PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE UPDATE MY NAME TO : XXXX XXXX MY ONLY SOCIAL SECURITY NUMBER : XXXX MY ONLY AND CORRECT DATE OF BIRTH : XXXX XXXX MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 
PLEASE REMOVE ALL OTHER ADDRESSES OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE U.S. POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA SINCE THEY ARE INACCURATE. 


SINCERELY, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Lease was up in XXXX of XXXX with XXXX XXXX XXXX  and they require you notify them within 60 to 90 days if you are not going to renew. I called the apartment complex office in XXXX of XXXX to inform them that I would not be renewing my lease and asked the agent what was my next steps to confirming my decision, she told me I would need to email the the office or come in, with my work schedule I told her that I would have to email them with my decision and she said OK. Sometime in XXXX Leasing Agent XXXX called me asking me why I did not want to renew and I told her to review my email that was sent. XXXX tried to convince me to stay but I told her I would only consider if my demands were met, she never got back in contact with me to update me on my demands and I sent another email letting her know I was sticking with my decision to not renew. Now when I check my Credit report that have a balance of {$2000.00} for unpaid rent and they are stating I did not give proper notice which I did.
Product: Credit reporting

I disputed the negative reporting related to XXXX on my credit report. They updated it to show as paid ( {$0.00} balance ) but still show it as a serious delinquency due to paying late. This has negatively impacted my credit score. It took us a VERY long time and a lot of work to get a final bill with detailed charges from XXXX and once we finally did we paid it within a few days. It is the creditor 's responsibility to provide the consumer the information they need to understand if the charges are valid and since we did not receive this we do not want the late/delinquency reported on our record. Here is more background. I closed my account with XXXX. They have sent me bills in the mail that only show the total amount owed but not what the charges are for. My husband and I attempted to call them multiple times as well as stop into the store to understand these charges. We were only hold for extremely long periods of time with no-one picking up the phone. XX/XX/XXXX their collection agency ( XXXX XXXX ) contacted me and asked if there was anything they could do to help resolve this debt. I let them know that I wanted a bill noted as final that showed what the charges were for. They agreed to this and all I received from them was another bill that just showed the balance due ( not what it was for ) plus a collection charge. To make matters worse I noticed that my credit score dropped significantly this month so I pulled my credit report. I have NEVER had a late charge on my credit report in the 20+ years I have been an adult. XXXX reported my account as deliquent. I contacted our local non profit credit counseling agency and they suggested I first try to work with XXXX to get a final copy of the bill and also to get it removed from my credit report since they have not provided me with adequate information to understand the charges. I spent over XXXX minutes on the phone with XXXX and took detailed notes. They said that they would send me the bill as I requested ( " now '' ) but that once it went to their collection agency I would have to wait 7 years for the negative information to go away. I contested this verbally on the phone as I was never given the proper information to understand what the bill was for. I asked to speak to a supervisor and was put on hold. I waited a few minutes and they said they were connecting me to a supervisor now that would help me - no-one had picked up 7 minutes later when I finally gave up and hung up. I would like to understand what I need to do to get this negative information removed from my credit report. When they finally did send me the bill I paid it ( plus the collection fee ) in a very timely manner. However, I have a significant problem with XXXX not providing me the information to know whether the debt was valid and then reporting it as late/delinquency on my credit report. I also have major issues with being on hold multiple times to get this information without them picking up the phone. I am hoping that you can help resolve this for me. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to violate the FCRA USC 1681 and 623 ( a ) ( 1 ) ( A ). The FCRA is clear if an account is not reporting 100 % accurate or contains missing or outdated information, it therefore must be DELETED. Experian continues to report incorrect information on the following account and refuses to DELETE this erroneous account as per the FCRA. Account Name : XXXX XXXX Account Number : XXXX.
Product: Checking or savings account

To : CFPB XX/XX/2024 Thank you in advance for your assistance, I have a durable power of attorney approved by my sister and Suncoast credit union in Florida. It includes the valid use of online banking. I have used it for 2 years to handle my sister 's finances thru online banking. For the past month now, they will not allow me to access online banking. I have been advised by their Special Accounts Dept that their members may access online banking but no with a POA is permitted to access online banking. 
My sister has XXXX XXXX and can not handle her finances. 
Attached is her Confirmed XXXX XXXX 
How might I pursue, to the best of my ability, to handle my sisters finances? 

This is what Suncoast credit union advised : " Suncoast does not provide online banking to any POA Agents due to our system limitations and security concerns this is not a rejection of your sister 's POA, but the credit unions incapability to provide system access. '' Thank you,
Product: Mortgage

I was conditionally approved for a Deed In Lieu ( DIL ) back inXX/XX/XXXX. I signed the DIL documents with a notary assigned by the Select Portfolio Servicing ( SPS ), the mortgage company, inXX/XX/XXXX. The DIL was filed with the XXXX XXXX XXXX and XXXX XXXX onXX/XX/XXXX. However SPS continued to report me as late pay and delinquent to all three credit bureaus for XXXX, XXXX, XXXX and now XXXX,  as we enter this new month. <P/>I sent certified letters and copies of the DIL to all three credit bureaus showing them I no longer own the property that I was alleged to be late paying on and asked that they address my credit file accordingly. No action to delete or update the file to show it was turned over to the mortgage company was initiated. <P/>In effort to work with SPS, I obtained a copy of the DIL at my own expense and forwarded it to them on XX/XX/XXXX. The refused to honor this document. I went a step further, to contact the third party vendor, XXXX XXXX paid to file and forward the DIL to SPS. When I called, they told me they could not speak with me about the matter of forwarding my DIL documents to SPS, because I was not their client. <P/>Today, despite trying to rebuild my credit after a divorce, which is what precipitated the DIL, I continue to be harmed financially by SPS 's negative reports to the credit bureau by and the bureau 's negligence in addressing my credit file, despite the proof having been provided to them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ; i have been using there site to keep an eye on my credit history and dispute inaccurate info well i used there site to dispute a few items on my report some thru them directly some thru them to equifax informing them of some of the cfpb fair credit reporting act such as the fact that if it is a debt that they can not report the account as open and if they do that is against the law and can be taken to court and i was retaliated against by blocking me out of equifax and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am writing to THE CREDIT BUREAUS. On this date, XXXX I have found out that I am a VICTIM OF IDENTITY THEFT and I never made the change because I was not aware until I looked into my credit report. Unfourtountly, somebody had taken my personal belongings such as my ID and social security card and began to open accounts under my name pretending to be me. Therefore, I am asking that the changes be made as soon as possible. In addition, XXXX, XXXX, AND TRANSUNION are now responsible for furnishing my NON-PUBLIC INFORMATION and sharing it with multiple collection companies and it is now affecting my credit report. According to the fair credit trade act the consumer has the right to privacy and this is a DIRECT VIOLATION OF THE GRAMM LEACH BLILEY ACT OF XXXX! I am sending out this letter to have the following information deleted from my credit report AS SOON AS YOU RECEIVE IT AND SEND ME BACK A SIGNED COPY SAYING YOU RECEIVED IT. UNDERNEATH IS A LIST OF ALL OF THE COLLECTION ACCOUNTS THAT NEED TO BE DELETED AS SOON AS RECEIVED. THANK YOU!
Product: Credit card or prepaid card

I am very dissatisfied on how Capital one handled me during purchase protection of an item I bought from a merchant. The card indicates they help resolve issues on purchases made that are defective and not as described, but yet you denied me of a refund on my case : Case Number :  XXXX for the merchant XXXX I purchased a pair of glasses from this merchant and shortly after around 1-2 months the coating on the frame has peeled off. I can no longer wear these glasses. I have sent Capital One photographs of the defect but they ruled in favor of the merchant. Capital One demanded unreasonable expectations from me to resolve the complaint ( ie ) getting a letterhead from a second opinion glasses store to document that these frames were defective. No other store will issue a letter on letterhead stating this unless I buy something from them. After losing {$160.00} - I will not spend more money on another store just to get a letterhead. 
I have disputed this issue for months with a terrible outcome. I believe Capital One has violated it's promise on helping their customers resolve complaints fairly. When I signed up with Capital One, it clearly stated on the website they help resolve purchases such as mine ... .this is misleading and this is false. This is an illegal advertising practice. I am still seeking my refund of {$160.00}
Product: Debt collection

This company os deceitful they call from all different & continues to call me as early as XXXX I call back they dont identify the company today I spoke with a manager about the practices and to tell them wrong number and to stop calling that only made them call even more. I called back and answer and just hold the phone these are all rude foreigners and they are deceitful I am currently seeking to file a lawsuit against them for this harassment. I have been forced to pay money to have my number changed today. They think this is a game but its concerning. I thought the CFPB had laws in place to for this type of treatment. Sad thing is these foreigners lie about their names please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for Experian to remove the bankruptcy from my credit report because the information they received is incorrect and was not received directly through the bankruptcy court. In the State of New Jersey, the bankruptcy court DOES NOT report to the credit bureaus at all, therefore making this record unverifiable. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Checking or savings account

I used to bank with Simple which is now owned by BBVA. In 2018 I had a personal checking and a shared checking account. The person I had the shared account without my knowledge contacted the bank to close the shared account. My personal account was also closed and when I called to speak to anyone they would tell me nothing and literally just hang up on me. They would as for my info and until they look at my account they would be rude. I had tried numerous times to get answers as to why my account was closed and why shared account was closed without my knowledge or given notice.
Product: Checking or savings account

We are a company who does legit business. We have a brand and we sell physical products in XXXX and other online marketplaces, including our own store. We have been using Wise since a few years ago for sending money to suppliers and receiving money from XXXX marketplace sales. 

We haven't been engaged in any 'ilegal activities '. For that reason, I am surprised about the account deactivation with no reason. I have read all Wise terms of service, and the only thing that could be a reason to close our account is that we had another account for our previous company. However, that company is no longer active and I remember I asked Wise permission to open this second account for our new company. 

I would really appreciate if you could let me know the reason for account deactivation, or if it is an error. I am ready to send you whatever document you need to re-open the account. We are really proud of using Wise and it is very important for our business needs and operations. 

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

This is my several attempt to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/2014 Balance : {$13000.00}