23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My home is under contract for purchase. I have a VA assumable mortgage with Pennymac Mortgage Company. 
They are telling me that the buyer is not qualified to assume the loan. 
The buyer has been qualified by another lender for a higher amount at a higher interest rate. So Pennymac is not truthful about this.

The buyer is paying cash for the balance of the purchase price and only assuming the existing VA assumable mortgage.

It has been over 90 days since the assumption paperwork has been submitted and now Pennymac has requested the buyer to re-apply and provide more documents. 
They are not following standard lending procedures. 
I think they do not want to do any assumble loans. 
Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CCB/CHLDPLCE Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Please see attached, I'm a victim of identy. Please see attached FTC report. 

XXXX XXXX  IS THE PERSON BELIEVED TO HAVE STOLEN MY IDENTY
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX 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: Bank account or service

US Bank, and by extension, XXXX ( their bill pay system ) have screwed me. They have taken several payments from my account without the funds in my account. I have attempted to deal with them directly and I keep getting told how it was my fault and how I had to do all the work to get the money they took from me back. And now, a month later, I 'm finding out from my auto loan company that US Bank has received funds back from them, and I have n't received all of those back into my account. So, now, it certainly appears like they 're keeping the money that they took from me. I no longer use the account because I 'm not willing to be taken advantage of again. US Bank and XXXX are horrible, they blame the consumer, and then they keep your money. They say that they contact you, they say that they send letters to you, but then you never get them. They leave pre-scripted phone messages, and they are not very helpful in general. Of course, that is just my opinion. But, also my opinion means that they wo n't ever see a dime of mine again. And, if needed, I will go to court to fight for that. Because they are wrong in this situation and I will shout it from the rooftops, if necessary. I do not understand how a bank this size ca n't take responsibility for a fairly minor issue and just take ownership and cover the costs of their mistake. I deserve the {$1200.00} or so that they attempted to take from me and then they charge me for it.
Product: Checking or savings account

Community Bank, N.A. in XXXX XXXX mistakenly transferred {$2800.00} from the XXXX XXXX XXXX account to XXXX XXXX of Virginia through the Automated Clearing House despite the fact that we do not have a debit card and do not make electronic payments from this account. Following a series of complaints, the bank refunded only {$1400.00} and claimed that we were not entitled to a complete recovery because we did not notify the bank of our loss within 48 hours. They then charged us {$16.00} for new checks to a new account because the old account was not secure.
Product: Credit card

I noticed a charge of {$86.00} from the XXXX XXXX XXXX " XXXX XXXX '' on Wednesday XX/XX/year>. I have not been to that establishment in over three months so it's impossible for this charge to have occurred. I called them the same day and asked for more information regarding this charge because I suspected fraud. They told me there was a glitch in their billing system and several other people had been impacted by this glitch. I disputed the charge with AMEX. AMEX reached out to XXXX XXXX who sent them over a receipt of the transaction so they denied my dispute. However, since there was a glitch in their billing system, and I had already visited this location in the past, they would no doubt have my information handy and can easily produce a receipt. You can check my phone information, or other data, I was nowhere near that establishment at the time the transaction occurred.
Product: Student loan

I am filing this complaint towards Mohela because they seem to have a work ethic that does not speak highly of them. I have reached out to Mohela many times in hopes that they correctly update qualifying payment counts since they have accepted and processed the PSLF Forms I have submitted for all of my employers. 

On XX/XX/XXXX, once again I spoke to 2 different supervisors at Mohela by the name of XXXX and XXXX regarding the PSLF forms I submitted for various former & current employers XXXX, XXXX XXXX XXXX, XXXX & XXXXXXXX XXXX XXXXXXXX. All the forms were processed however none of the payment counts were updated. The supervisors activated the forms to get processed once again and stated that once the forms were accepted and processed the qualified payments should have also been updated. The supervisors stated that it should take 14 days to get processed, but I have been waiting for over 2 months and Mohela has not resolved the issue they created. I should have qualifying payments since the year XXXX but Mohela has failed to provide that update to my loans. Dealing with Mohela is really a much cause for stress and my mental health is being affected to see that Mohela has not taken responsibility to update my payment count in a timely manner. I also see that only one month in XXXX was updated but many months have been skipped. 

My hope is that cfpb can reach out to Mohela on my behalf and request that they update my loans with the qualified payments going back to the year XXXX.
Product: Consumer Loan

The company Lending Club of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX, USA, Has violated Regulation " Z '' and additionally failed in Crediting Payments as of the Date of Receipt Section 226.36 ( c ) requires loan servicers to credit a payment to a consumer 's loan account as of the date it is received. They have also failed to validate the debt by the standards established by Federal Law and the FTC within the allotted time.
Product: Credit reporting or other personal consumer reports

I have contacted Equifax and several creditors that obtained my credit report without authorization, and demanded to see any legit authorization from me. 

No one has provided any proof, not the creditors, not the credit reporting agency. 

Equifax, XXXX and XXXX should request to see proof that proper authorization was obtained to request credit reports. 

They admit that no documentation is required to obtain credit reports. This practice is fraudulent, illegal. 

This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit reporting or other personal consumer reports

Ive tried to dispute these accounts multiple times through XXXX and also XXXX XXXX for about 2 years now. These student loan accounts were supposed to be forgiven and transferred to the government. The accounts have been reopened without my consent or knowledge on the date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My identity was stolen and I noticed back in XXXX I obtained a police report when I started noticing fraudulent accounts on my credit report synovis being one of them. I obtained a police report on XXXX and submitted it directly to synovis because they kept saying the debt was mine even though the address they had was not my address or any of the info they had was mine. The only info they had was my social security. After I disputed with the credit bureaus for months it was wiped from my credit report and the debt was removed. Now synovis has sold this deb to XXXX  and they are sending me harassing text and emails multiple times daily to pay and this so showing up on my credit report again under collections as of XX/XX/XXXX and impacting my credit score once again. I want to report this fraudulent information. I want this removed from my credit report. I want this company to stop harassing me and I want this fixed
Product: Credit reporting or other personal consumer reports

My account with XXXX 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 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 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: Credit reporting or other personal consumer reports

I was completely shocked when I saw inaccurate accounts on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was a glitch, but the false accounts were still there. This issue has made me request a thorough review of the documents Ive sent, so I never have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a request to investigate collection account XXXX XXXXXXXX as accurate. Investigation resulted in verified as accurate. Upon pulling previous reports the DOLA as changed several times illegally on this account. Per FCRA laws this is illegally re-aging the account. There has been no activity made on this account yet the DOLA had been changed several times. Also the DOLA is showing 3 different dates across each bureau. The credit bureaus are required to report correct information on my credit report.
Product: Credit reporting or other personal consumer reports

Experian keeps reporting incorrect social security number as well as the account that is over XXXX XXXX XXXX. Said account was paid off and closed without any late payments or collections. 
Incorrect information on my report affects my personal life and well-being of my Family
Product: Debt collection

The written response you emailed is clearly double and your trying to collect more then original amount.thats not what was signed on original contract. It has become a hardship for me because i cant get anything approved even apartments. your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These 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 reinvestigations, 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 that 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 company 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. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX Account number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experiam has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit card or prepaid card

I was unable to continue to make payments and requested the account be closed in writing on XX/XX/20. I had a balance of {$400.00}. However, I continue to receive statements with increasing balance. XX/XX/20 statement shows a balance of {$590.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Transunion continues to report information they know is incorrect. XXXX XXXX was transferred the contract which does not give them full rights furthermore the contract is the security that is being sued in this credit arrangement which entitles me to equitable relief since it is traded for profit. XXXX XXXX cnnpt produce the ORIGINAL contract or collateral security because they are not entitled to any of it's profits and holding the security without a meeting of the minds violated my contracting right in commerce. Is XXXX XXXX forcing performance? XXXX XXXX is selling this alleged information to Transunion and they are reporting the information to damage my consumer report. All of this is done for profit which makes their investigation biased as they have monetary gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX ran my credit twice without authorize.Would Like this to be Deleted!!!! 
XX/XX/XXXX XXXX XXXX, I had never applied for this. I believe I 'm a Victim of inquiry issue.I Would Like this to be DELETED!!!! 
XX/XX/XXXX XXXX XXXX XXXX, I never applied for this. I believe I 'm a Victim of Inquiry. I Would Like This to be DELETED!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry.I Would Like this to be Deleted!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry. I Would like this to be Deleted!!!!
Product: Checking or savings account

Tried to pay a bill and it kept getting declined long story short my account is under review with Citibank and now they cant service me At all even at a branch. They told me I cant take money out of my saving and checking account. I have bills to pay my daughter to feed tomorrow is Friday her grocery is due tomorrow her tuition and I have no money to pay because my last penny is in that account. Customer service couldnt help me they keep saying 24-48 hours and nothing they literally have my life on their hands and its horrible I need to continue with my life I need to feed my daughter
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by Experian. These late payments are erroneous and do not accurately reflect my payment history for XXXX XXXX XXXX XXXX XXXXXXXX. 
Complaint Details Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. This account should reflect a record of timely payments.

Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of an incorrect late payment XXXX also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that these reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports to ensure maximum accuracy. Under articles 616 and 617 of the FCRA ( 15 U.S.C. 1681n and 1681o ), willful and negligent noncompliance could result in civil liability, including actual damages, attorneys fees, and potential punitive damages. 
Discrepancies in Payment History The discrepancies in reporting by each bureau are as follows : XXXX : Incorrectly reports three 30-day late payments in XXXX, XXXX and XX/XX/XXXX. 
Experian : Similarly reports XXXX XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX : Also reflects XXXX XXXX late payments in XX/XX/XXXX, XXXX and XX/XX/XXXX. 
These entries are inaccurate, as all payments were made on time, and this misrepresentation has negatively affected my creditworthiness. 
Requested Resolution I request that Experian conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Attachments Identification ( ID ) Social Security Number Relevant Documentation Related to the Account Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting

It is showing up as a negative mark on my file, even though it is paid off in full. I have called Honda Finance as well to ask for relief and to have it corrected and they will not. I am trying to get my credit in order after my divorce to be able to purchase a house, and something like this is keeping my score down. I pray for relief.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Collection company did not send a validation letter within 30 days, nor make any contact with me to verify this being my account prior to adding to credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced recovery Is reporting TWO accounts that have expired due to the Statute of limitations of 7 years, Fraudulently saying one became delinquent in XXXX and another in XXXX. 

The information obtained are from my credit report as they have made NO attempt at communication, including a debt verification. Nor have they responded to my Debt verification request. 

The accounts are XXXX XXXX XXXX  : XXXX Both accounts are from XXXX ( first delinquency ) They have indeed received the Verification request as they just again updated the status to owed and due as of XX/XX/XXXX XXXX