23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Vehicle loan or lease

DeaXXXX XXXX XXXX XXXX I hope this message finds you well. My name is XXXX XXXX, and I am writing to file a formal complaint against XXXX XXXX XXXX, where I purchased my car in XXXX. My XXXX account number is XXXX, and my VIN is XXXX. 

At the time of purchase, the dealer persuaded me to buy a third-party insurance without directly told me the total cost of that issurance, assuring me that a full refund would be granted if I canceled within one month. I have an email chain that confirms this promise. However, after canceling the insurance within the specified period, I have encountered significant delays and poor customer service in obtaining my refund. 

Despite canceling the insurance within the stipulated period, I have yet to receive my refund after eight months. I waited three months for the initial processing time they quoted ( 8-12 weeks ) but received no response to my inquiries. When I called, I was told the dealership was under new ownership, though XXXX XXXX, who handled my finance, was still there and assured me the refund was processed. 

I was then given a different contact number for another dealership location. After being transferred several times, a representative promised the refund check would be sent to XXXX within XXXXhree days, with the balance reflecting on my account within two weeks. This was in XXXX, and despite waiting another month, there was no update. I was informed that the check was never delivered and that a new one would be sent. Another 30 days passed with no change in my account. 

It has now been eight months since I initially requested the refund, and I am concerned that this may be a broader issue affecting other customers and potentially indicative of deceptive practices. I request your assistance in resolving this matter and ensuring that XXXX XXXX adheres to ethical standards and promptly processes refunds. 

Thank you for your attention to this urgent issue. 

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

XXXX XXXX XXXX Account # XXXX Under 15 USC Code 1681a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.
Product: Student loan

My XXXX loan was specifically acquired to attend The XXXX XXXX on XX/XX/04. I can no longer make payments on it due to unforeseen nation wide industry unemployment. In this case I have asked and requested American Education Services many times for some sort of help in the form of forbearance or temporary pause but have not received any help whatsoever. Most recently, from the borrowers defense approval, my federal loans have been completely discharged and credit repaired due to crimes committed my XXXX XXXX XXXX XXXX XXXXXXXX, found guilty in many cases and subsequently closed down. I submitted a school misconduct discharge application for my XXXX private loans and those to have also been discharge and credit repaired. I expect the same for this loan. In this case of all the legal precedence against XXXX XXXX XXXXXXXX, the federal Borrowers Defense approval, my XXXX private loan discharge along with the provided FTC holder rule, this loan acquired for these found criminal institutions ( including private ) are ill gotten due to seller misconduct. As to date, American Education Services has currently defaulted my loan, which continues to damage my credit, causing undue harm while I'm unemployed, while I await CFPB responses from them addressing the discharge.
Product: Mortgage

I spoke with Penny Mac Representatives today dated XX/XX/XXXX. 
XXXX initially helped me but then transferred me to Senior Representative XXXX. 
After more than an hour on phone, my requests were not resolved. 


I faced this issue every year with Penny mac.

Last year, PENNYMAC LOAN SERVICES , LLC made the changes, I pro-actively requested, however, on my XXXX, XXXX mortgage bill and online payment system, they AGAIN revert back to the original old, faulty increased amount which was concurred by PENNYMAC LOAN SERVICES , LLC that they will adjust and reduce. 
It is extremely time consuming and painstaking to keep track, reach their representative on phone and request these changes repeatedly. 

every year, i call and get the escrow analysis revised because of errors such as added reserve to escrow etc. I am monitoring, tracking and reporting since XXXX. 
since last year PENNYMAC LOAN SERVICES , LLC moved the escrow analysis date and forced me to pay additional amount in their every year increase in the month of XXXX and onwards. 
i have to be pro-active to make sure 1. i request escrow analysis 2. PENNYMAC LOAN SERVICES , LLC do not send hard copy of escrow analysis even after i repeatedly requested.

3. i have to find errors and request every year to revise the escrow analysis i need to make sure PENNYMAC LOAN SERVICES , LLC correct their ways of conducting business with transparency and disclose information in timely manner. 
i request PENNYMAC LOAN SERVICES , LLC to revise once and for all their method of calculating escrow analysis to avoid this ongoing yearly challenge. 

Request : Requesting actual escrow account breakdown to account for the actual payments in every year payments of months of XXXX, XXXX, XXXX and XXXX. 
Need to calculate accurate Reserve Escrow Balance Need to revise Escrow Analysis Statement Requesting to receive hard copy Escrow Statement generated on XX/XX/XXXX. 
Requesting to receive revise hard copy Escrow Statement to be generated. 

thank you, XXXX
Product: Credit card or prepaid card

I experienced that someone else used my credit card to purchase at XXXX on XX/XX/2021, {$130.00} and XX/XX/2021, {$320.00} on my Bank of America VISA card. I or anyone in my household did not purchase on XXXX  ever. The card account has already been closed. 
I called Bank of America and reported that those were frauds. A week or two later, Bank of America replied that they denied my claim because XXXX told them that those were purchased by me and shipped to my home address. 
I contacted XXXX through a chat on XXXX. XXXX could not find the order from me and admitted that the orders were not from me. XXXX also told me that they can not disclose the order details because those orders were not from me. I have the chat log and the reply email. 
I called Bank of America and reported about that. Bank of America had the shipment tracking numbers of XXXX gotten from XXXX and told me the numbers. 
One is XXXX and another one is XXXX. The both tracking numbers clearly showed that the orders were not shipped to my address and were not picked up by someone else I never recognized. 
Both packages had been shipped to XXXX OnSite : XXXX XXXX, XXXX XXXX XXXX XXXX. And the tracking log showed that the package was picked up and signed by name XXXX on XX/XX/XXXX for one and XXXX  on XX/XX/XXXX for another one. I have no idea about them. 
I also reported these facts to Bank of America. 
Bank of America advised me to file a police report since I already have enough evidence to prove the frauds. 
I filed a police report to XXXX XXXX Police Department ( XXXX ) in California on XX/XX/XXXX. Then I reported the police report to Bank of America and asked to review my claim again. 
The final conclusion of Bank of America was denial and they decided that {$460.00} would not be refunded. 

Would you please review this case and the decision about denial of a refund is a right decision.
Product: Credit reporting or other personal consumer reports

I have a fully paid off account and want this account removed from my credit report
Product: Credit reporting

A address of a relative ( XXXX XXXX XXXX. ) is listed as mine, I never lived there.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that covering lost funds was impossible and that tracking this transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users valuable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the credit reporting agencies and let them know the inquires in the documents are not to be on my consumer report. I never gave them any consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Owed : {$250.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$40.00} ; XXXX XXXX XXXX Balance Owed : {$9500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act XXXX  Account # XXXXXXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXXXXXX has violated my rights Account # XXXX XXXX XXXX has violated my rights Account # XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violate my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights Account # XXXX DEPT OF ED / XXXX has violated my rights Account # XXXX* US DEPT OF ED has violated my rights Account # XXXX XXXX / U.S. DEPT OF EDUC has violated my rights 15 U.S.C. 1681 section 602 A. states I have a 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.
Product: Money transfer, virtual currency, or money service

Wells Fargo Bank, promised me at an phone call conversation on XX/XX/XXXX, another {$500.00} check, called " appreciation check '', that it would be issue and sent to me by XX/XX/XXXX ; When it did not arrive me timely, ... '' I did occur a loss of very valuable professional business coordinate property '', since over-due payment of {$500.00} was not made to a XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
I didn't receive promised Wells Fargo {$500.00} check, timely enough in order stop mine stored property from being sold at an auction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, due Wells Fargo fail send timely, promised {$500.00} appreciation check. 
I asked Wells Fargo Bank, relative agents in written business form, for an appropriate by law, does enforce for being available me such injury, property loss, incident, type to insurance result claim for injury. 
Wells Fargo agents further violate law by not provide me injury claim. 
I was harassed by Wells Fargo agents, I was detour promised check, of {$500.00}, until about XX/XX/XXXX, unfair and disrespectful, I ask claim.
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 15 USC 1681. 

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  and list of Inquiries. 

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 which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. Someone has my personal information, and has been putting in for credit application. I was just became aware of this the morning of XX/XX/XXXX. These are the following creditors that have pulled my report, and the dates. Some of them have pulled multiple times from Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

XX/XX/2017 I was purchasing an airline ticket from XXXX XXXX and saw a promotional offer for the Mileage Plus Explorer card from Chase. The terms for this card included a {$50.00} statement credit, XXXX bonus miles, and a XXXX dollar intro annual fee for the first year. A couple months later I was looking up a charge for something else and noticed that I had been charged the annual fee for the first year that was supposed to be waived. I have contacted chase about this many times and gone through all the processes and they still refuse to credit me back for the {$95.00} dollar charge. I have never signed up for a card with an annual fee and would have never done anything like that. I also took a picture of the offer, as I have been taught to do, to document the offer I received.
Product: Debt collection

I ordered a physical sim card from the XXXX XXXX website on XXXX XXXX, 2024. On the XXXX, my order status had not updated at all, so I began attempting to contact XXXX. I can't even make this kind of nonsense up, so I will be attaching the " chat help '' transcripts that went on for literal hours. I have never had a single second of service, because XXXX never activated my account. They sure sent me a bill however, which is XXXX  XXXX.
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 15 USC 1681. 

Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX  XXXX Account Name : XXXX and list of Inquiries 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 which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

This debt on XX/XX/2018 for {$270.00} was not me who did it. I don't recognize this at all and I kindly request that this be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from XXXX. 


1. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4.  Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX XXXX   Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9.  Company Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX   XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. " XXXX XXXX XXXX : {$55.00} "
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violati

on of the FCRA. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions, I 've been in contact with the credit bureaus about this particular account that is registered under my name. I 've tried disputing with XXXX, XXXX, and XXXX with no avail. I 've requested for XXXX XXXX to send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me.
Up to this point, I 've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ).
Product: Mortgage

SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX  We have YET ANOTHER PROBLEM WITH SLS -- -- -- -- THIS IS OUR FOURTH ( 4TH ) CFPB COMPLAINT AGAINST SLS IN ALMOST AS MANY MONTHS -- -- -- This is NOT a duplicate complaint. 

We have had to re-email the SAME DOCUMENTS MULTIPLE TIMES -- -- SLS claims they only receive one attachment when there are multiple attachments. This is clearly another attempt to defraud their investors and their own clients. 


-- -- -- -- -- -- -- The INCOMPETENCY of this company is RIDICULOUS. ********************* They were just nailed for committing loan fraud and violations of their servicing agreements See attached Consent Order -- -- -- -- - Apparently they are going to continue to commit fraud regardless of how much they are fined. SLS HAS ALREADY BEEN FINED FOR THESE SAME ISSUES, YET THEY KEEP VIOLATING FEDERAL AND STATE LAW. THEY OBVIOUSLY THINK THEY ARE ABOVE LEGAL RAMIFICATIONS FOR THEIR ACTIONS. WHEN IS SOMETHING GOING TO BE DONE ABOUT THIS? 


-- -- I have attached the documents here to this complaint as that seems to be the only way to get SLS to accept and process the documents they need for the short sale. Also attached is our authorization, as it seems to be the new excuse SLS uses in order to not address complaints made against them. -- -- -- - I expect this file to be moved forward appropriately and immediately.
Product: Debt collection

This was reported and paid under travel restriction by XXXX credit card back in XX/XX/XXXX or prior debt recovery solution insist on reporting credit or debt knowingly it was identity theft I again paid to debt recovery solution today asking to remove from credit bureau I was XXXX when debt was accrued I need to restore my life and remove from all bureau spoke to XXXX they indicated they have no interest in this account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I reviewed my credit reports from the following credit Bureaus, XXXX, XXXX and Transunion. Upon review I noticed that my address was not being reported correctly. I advised them that I may have been a victim of identity theft and I do not live at the addresses being reported and asked to correct the information. As of XX/XX/15 they responded back and stated that the addresses in which I no longer live are valid and yet to remove the information. This is putting me at risk to have my information stolen and identity theft to happen by having my information in the hands of someone or someplace I have access to.