23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PennyMac Mortgage XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2017 XXXX : Loan # XXXX / Property Address : XXXX XXXX XXXX, XXXX, XXXX XXXX Dear PennyMac Mortgage Servicer : I am writing to request clarification concerning the recent XX/XX/2017 Billing statement which includes " Foreclosure Fees '' totaling {$1000.00} which were added to my XX/XX/2017 payment coupon. 

In previous negotiations over numerous phone calls and correspondence, I was told in writing and verbally through your collection agents that there would be no Foreclosure fees, and in support of that fact I had requested a payment reinstatement letter showing what the final costs to reinstate my loan would be. ( See enclosed letter from PennyMac dated XX/XX/2017 ) After receiving this letter and getting a Monthly Mortgage Statement for XX/XX/2017 which stated that the " Total '' funds required to bring the loan back into compliance would be {$9600.00} which is the exact amount that was over nighted by certified funds to satisfy the demand for payment and was to include all late charges. 

I believe I was deceived through verbal and written communication as to what was owed to pay back the past due amounts. I am protesting the amount of {$1000.00} which was added to my XX/XX/2017 payment coupon. 

I am demanding that a full written communication be sent to me no later than XX/XX/2017, concerning the reason why I was told verbally over the phone on XXXX separate occasions ( Review your phone records as proof ) that no other fees would be assessed. And that as referenced on Loan Notice letter dated XX/XX/2017 : See Page XXXX of XXXX, ACTION REQUIRED, ABOUT YOUR REINSTATEMENT OPTIONS : Option 1, ( Enclosed ) That the full amount due would be {$9600.00} ( Page XXXX of XXXX ) and did not include or reference " Foreclosure Costs '' latter requested totaling {$1000.00} Please see that an investigation is immediately commenced concerning these added charges that I do not believe that I owe. Please be advised that mortgage payments for XX/XX/2017 will not include the added {$1000.00} which I am disputing, and a that a formal complaint is being initiated with the Federal Trade Commission. 


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

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XX/XX/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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX In XX/XX/XXXX, he submitted this account to a dispute both with the company directly and with the credit agencies, where I have received the same response on multiple occasions from the credit agency but I sent them the information corresponding to the complaint that this account the expenses and payments were not made by me. 

This credit card had a limit of {$1100.00} and it appears in my report and in the account a credit card with a debt of {$6400.00} and closed and with multiple months of late payments significantly affecting my credit report. 

I have tried in a thousand ways to solve this problem with them and the answer is the same. I tried it through this means and it will be my last attempt before taking this to legal instances where I will be forced to file a legal claim since they are in breach of my rights. according to the FCRA, where it establishes that the information must be 100 % accurate, verified and verified. 

As you can see in the attached files, the information is not exact or verified, since at this moment I have an open case with the XXXX company which the case number is XXXX, where I clearly explain that this card was used and paid without my authorization where the records may show that I did not make any payment to that card and less for those amounts, and that if I had a card for {$1100.00} how I owe you {$6400.00} this is a complete fraud that they carried out on me and I demand that be legally verified and don't keep giving me the same answers. 

In the same way, I asked the company to send me the following information in my report that is inaccurate and incomplete and I did not get a response, they only told me that the information is correct and verified and as you can see there is nothing correct or verified when the information requested It is not reflected in the report. so the response I received from this company regarding my previous dispute seems to me to be a total breach of the laws set forth by the FCRA. 

XXXX ) The account History shows incomplete information in the same way that I don't understand why it keeps reflecting that this account is in XXXX when it should be deleted for being a fraudulent account. 

XXXX ) The payment History guide shows information from XX/XX/XXXX and does not show me information before that date in order to check when the scams were carried out on my card. 

XXXX ) The History balance, is shown from XX/XX/XXXX, where it already shows a debit balance of {$2800.00}, when the card had a credit limit of {$1100.00} as you can see in the report, before that date I did not It shows no information for me to be able to verify when they made those expenses, and especially how the card could make those expenses for those amounts, if it did not have the limit to do so.
Product: Credit card or prepaid card

The XXXX price has fallen to a relatively low price this morning ( $ 11-12k down from $ 13-5k last week ) so I wanted to buy in with my Capital One XXXX credit card that I recently got renewed. To my surprise, XXXX rejected my charge because apparently Capital One banned all cryptocurrency purchases on their credit cards. I was completely unaware that their policy changed and missed the price opportunity I wanted to invest at. This wasted a bunch of time looking up all this nonsense, calling customer service, and now reporting this claim. There was no email notice, announcement blog, nor widely publicized tweet, just a few small sites covering a customer service reply to someone else complaining about their credit access being cut. The CFPB website says 45 days notice is required before a major change to a credit card 's terms of service, so XXXX? I had been watching the price charts all night long for the right time to buy-in expecting to be able to use my available credit. Fortunately I have other payment options or this would have cost me some coin, but I bet this failure to notify cost many others lots of money in lost opportunity ... seems like a class action waiting to happen. 

I understand that cryptocurrencies are often purchased with stolen cards, but there are many ways to validate and verify transactions rather than banning them altogether - simply ask cardholders their intentions. 

I was told by the president that you can do anything! Except pay XXXX with Capital One apparently ... 

I 'm actually shocked how much control this company has over my purchasing ability, so lesson learned. I 'm moving my money.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

I purchased {$150.00} gift card from XXXX and soon after it was lost/stolen. I reached out to the company and they put a hold on the card but didnt send me another card or try to help me at all to get my funds back.
Product: Credit reporting or other personal consumer reports

During a recent review of my credit report, I found several fraudulent accounts. Please delete these entries from my report, as they are preventing me from getting credit. I do not know these accounts. 

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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below, which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SHOWS BALANCE UPDATED ( {$740.00} ) FOR A CLOSED ACCOUNT ON XX/XX/XXXX. DATE OF FIRST DELINQUENCY BEING ILLEGALLY CHANGED AND DATED FOR XX/XX/XXXX. CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

Equifax : [ XXXX XXXX XXXX XXXX  ] CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] SHOWS BALANCE UPDATED ( {$740.00} ) FOR A CLOSED ACCOUNT ON XX/XX/XXXX. DATE OF FIRST DELINQUENCY BEING ILLEGALLY CHANGED AND DATED FOR XX/XX/XXXX. CREDITOR FAILED TO INDICATE IF OR WHEN THE ACCOUNT WAS SOLD. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Mortgage

I have been trying to get a lien release on a Home Equity Line of Credit from XXXX originated by XXXX XXXXXXXX XXXX. The loan was sold to XXXX XXXXXXXX XXXX  from XXXXXXXX XXXX XXXX  ( who acquired XXXX XXXX XXXX XXXX on XX/XX/XXXX. The loan has been paid off for many years and apparently the Bank did not do a Release. According to the FDIC, Citibank aka Citi Mortgage acquired XXXX XXXX XXXX We have attempted to get a lien release from Citi and they are saying they can not find any information. Both the trustors on this Deed are deceased. I am the Executor/Trustee for my parents ' estate. The property is currently in escrow and is scheduled to close on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently a complaint that I have opened and I am appalled that I have gotten 2 wrong extension numbers and they actually left them on my voicemail and of course when I tried to call them they were both wrong!! What is going on I want my complaint responded to as you can see this was supposedly taken care of back in XX/XX/2016 and look I am here again with the same issue because Bank Of America didnt do there job removing inaccurate info on me. I really would like them to be notified about the problem and have some one call me with a valid extension number. I will be holding on to the voicemail with the wrong extensions in them to call back in case they say they tried to get a hold of me and couldn't. XXXX
Product: Debt collection

My husband & I are seniors with a landline. We have gotten into the habit of NEVER answering a call unless we recognize the number calling. About six months ago, we started receiving calls from about ten different numbers that always said the name of a city near our vicinity -- XXXX, OH ; XXXX, OH ; XXXX XXXX, OH, etc. on the caller I.D . We never answered these, but noticed that they were always " XXXX '' area code & began with the same three digit exchange -- " XXXX. '' There were too many numbers calling for us to block them with our phone provider, so we just suffered through, being interrupted at all times of the day to rush to the phone, only to see it was one of these XXXX. After so many months of this, I finally called one of the numbers back immediately after they had called us. They did the whole, " this is an attempt to collect a debt '' spiel and then informed me that they were looking for our son. They are Diversified Consultants calling for XXXX XXXX. My son has n't used our landline as his phone number for over TEN YEARS! And should n't XXXX XXXX have his cell phone number as they used to provide his service? And yet they are constantly bothering me & my husband every, single day for six months, sometimes calling five or six times a day starting at XXXXXXXX XXXX. They will never reach my son through this number, and I informed them of that ; they still continue to call. They do n't call as often, and they have begun calling us from different locations -- XXXX, IL or XXXX, OH, but they call us still. We are not responsible for our son 's debts. He is over XXXX, and self sufficient.
Product: Debt collection

I ASK THEM TO REMOVE THIS DEBT THAT IS SHOWING UP ON MY CREDIT REPORT AS A CHARGE OFF OR SOLD AND I HAVE BEEN DOING THIS FOR OVER 5 YEARS AND STILL IS NOT REMOVED. I ALSO ASKED FOR A 1099C SINCE THIS WAS A CHARGE OFF OR SOLD AND RECEIVED NOTHING AS OF TODAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an open unpaid collection account XXXX XXXX XXXX.. the statue of limitations has past from the original creditor. i provided proof of the timeline by submitting copy of the last payment to cash central on XX/XX/2016, which clearly shows that this collection account should be removed. i requested a review of the dispute and the item remains on my credit report. i would expect them to provide some type of proof that would allow it to remain. 

i have made several attempts to have this item removed and have no other options but to file a formal complaint.
Product: Payday loan, title loan, or personal loan

I have a loan/ savings account with Seedfi and am now paid off on the loan portion of it. The rest of the life of the account requires me to pay {$100.00} every two weeks which goes into a savings account through their company that I would have access to once I have contributed {$2500.00} total. According to the app I have a {$300.00} credit towards this savings account so far. I asked to have them close the account since I can no longer afford to put this money aside to " save '' and not have access to at all and they are refusing. I have asked 7 times now. They state the " only '' way to close the account is to pay the entire savings amount and then they release my own money back to me. It is getting negatively reported to the credit bureaus. They refused to close the account which also has a section on their loan agreement on section XXXX which allows me to close it at any time, and I stopped making payments because I can't afford them any longer so is there anything I can do to get around this? I have requested to have the account closed over 7 times from them in writing and get the same answer ... I have to " pay it in full '' even though I'm technically paying to myself in the long run and the loan portion is paid off. Thank you!
Product: Debt collection

I checked my credit report this morning and to my surprise i dropped 19 points because this company added a collection account to my report. Firstly, I know nothing about this account, I have never had a contract with this company. I was the victim of identity theft I've had to file police reports and even had fraud alert added to my credit reports. I am very upset about this because I am in the middle of buying a home and this has completely set me back due to false claims and no proof sent to me regarding the contract I signed with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Be Advised I have wrote multiple of letters. The inaccurate accounts remain on my credit report ( US Dept Of ED XXXX in the ( Date Opened, last reported, Date last Active, Date of last payment section. XXXX  is reporting different information than TransUnion is reporting show that there is a late fee which is also incorrect account was never late. These accounts seem to be furnished by the same creditor so why is all provided data different. It is your duty to insure that all information that reported is consistent and most importantly accurate and you have failed to do so please Delete this erroneous item immediately. 

Attached you will find documents of the account. 

If you find that the information is inaccurate I am asking for the account to be removed from my credit report as soon as possible please. 

Account name : US Dept ED XXXX Credit Bureau TransUnion XXXX Account Name US Dept ED US Dept ED Account Number XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Last Reported XX/XX/XXXX XX/XX/XXXX Date Last Active XX/XX/XXXX XX/XX/XXXX Date Last Payment XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate and incomplete information on my Credit Report. 

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. 
Can you please investigate the following information and either update it or at least send me the information that you used to add it to my report. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX Have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section 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 with antedates the report by more than seven years. 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 5 hard inquiries on my credit score ( XXXX ) which are the the following : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) Chase Bank USA, N.A ( XX/XX/XXXX ) Chase Bank USA, N.A ( XX/XX/XXXX ) XXXX XXXX XXXX   XXXX, ( XX/XX/XXXX ) All they are is XXXX XXXX XXXX getting background information about getting service at my apartment and chase is for applying to a credit card which I use everyday! So, why hasn't all this been removed yet? 

These things haven't been removed and it's been over 5 years on most of these inquiries and I know for a fact that these usually have a limit of up 2 years. 

Please remove them!
Product: Student loan

I have been repaying Navient through automatic withdrawals from my bank account for years. I recently went back to school for a professional degree in XX/XX/2021. At that time, and without notifying me, Navient automatically put my loans in deferment without my consent. I have, without my knowledge, been accruing interest from that point with a current unpaid interest of {$590.00}. Navient claims my statements show no money being withdrawn, which is true. However, the purpose of the automatic withdraw agreement that I set up years ago was to keep the loan current and paid down without having to remember to make monthly payments. Furthermore, I have never received a specific message notifying me of any automatically applied deferment.
Product: Debt collection

Portfolio Recovery license XXXX is collecting a debt that I am not aware of and the license is expired to collect in the state of Florida the account number for this debt is XXXX .... 
The amount trying to be collected is XXXX I would like this collection to be deleted from my recent credit reports Last 4 of my social are XXXX Won't let me put it in the next page
Product: Debt collection

On XX/XX/2022, a company by the name of Payliance added two accounts to my credit report for XXXX XXXX. I did not authorize or open these accounts and I was only made aware after receiving an XXXX alert on XX/XX/2022 that the accounts were added to my credit report. The accounts have an adverse effect on my credit report therefore I am working to get the reports removed and the accounts are being investigated. The original creditor is XXXX. The creditor on my credit report is Payliance. After speaking with XXXX, this is an XXXX XXXX  forum where my stolen identity was used. In addition, the impersonator is in MD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report end there ere items on my credit that ere not mine. Please remove these items off my report es they ere not mine. XXXX XXXX XXXX. Here are the inquiries that i know nothing about. XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  This hes prevented me for cosigning for my sister loan for school. We need to get this taken care of before enrollment date. I'm doing this on my own behalf and I also contact the FTC and the police.
Product: Credit card

After a fraudulent address change form was sent, my mail was stolen, my credit cards statements were redirected and a fraudulent credit card account was set up in my name and then used.
Product: Debt collection

Multiple phone calls to self and other family members from Portfolio Recovery Services attempting to collect on an old, SETTLED debt from XXXX XXXX XXXX Very abusive language with threats to serve papers and go to court. Debt is settled with letter to prove, debt is also nearly XXXX XXXX XXXX and past the statute of limitations. To date, call has been made to self and XXXX family members that are not associated with this debt. Voice messages left stating " This is your last chance, you have been placed on a schedule to have legal documents served ''. Caller ID shows Portfolio Recovery Services
Product: Debt collection

I recently received a letter from this company demanding payment for an account I have no knowledge of.To my knowledge I have never done business with this company and they have never provided me any goods and or services.
Product: Student loan

I received a letter dated XX/XX/2022 from Aidvantage stating my federal student loan payments would resume auto debting from my account on XX/XX/2022. This is obviously incorrect as President Biden has paused federal student loan payments until XX/XX/2022. No response from aidvantage when I emailed them about it. They are not authorized to autodebit this amount from my account prior to XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax applied item that is not mine. I can not understand how that is possible to putt just account without even checking if this is my account. There is wrong name, account number, and obviously that this account is not mine. I have no idea about this creditor and I have never dealt with this company. I do not know why I have this account in my profile and I ask you to check the information and remove it ASAP