23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice of Dispute! Ive recently Pulled a Copy Of my Credit File From Experian, XXXX XXXX XXXX. Its very Concerning that theyve Failed to Notify me within ( 5 ) Days of any Transactions and Experience That Was Being Furnished. As The Original Creditor and Authorized Beneficiary These Transactions was shared Without Consent Nor did My Family Benefit From them They are Damaging my Consumer Report. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX INQUIRES Remove all Inquiries From Experian, XXXX XXXX XXXX Dated From XXXX to XX/XX/2023. Per I Have no Written Contract or Agreement with any of the Furnishers thats listed I Authorize The Consumer Protection Bureau to Investigate and Remove All Unauthorized Items Under The GLBA and Privacy Act ( 15 ) Calendar Days To Comply or Any and all Legal Rights will be granted
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : PennyMac mortgage company has erroneously reported my mortgage payments late since XX/XX/XXXX until this date, XX/XX/XXXX. 

Explanation : XXXX XXXX XXXX sold our mortgage to PennyMac in XX/XX/XXXX. They did not report any payments until XXXX of XXXX and immediately began reporting my payments as late. ( I have cashier 's checks receipts that will prove otherwise. ) I have only missed four payments, and when I knew that payments would not be made for certain months, I politely called, and asked if they could be put on the back end of my mortgage agreement. ( Please note : these payments were never in succession, but spread apart throughout the years. ) I was told that they would be put on the back end of the mortgage agreement, yet in XX/XX/XXXX, I received several " Intent to Foreclose '' notices on my front door, and through the mail. These are the very same months that should have been put on the back end of the loan as requested, and granted, or so I thought. To make matters worse, PennyMac hit me with over {$3000.00} in foreclosure costs. I applied for a loan modification that was approved in XX/XX/XXXX, and began my trial payment period in XX/XX/XXXX. PennyMac has reported these months, ( XXXX, XXXX and XXXX ) late as well to the credit reporting bureaus. I have bank statements to prove otherwise. I also have copies of cashier 's checks that date back to XXXX, when XXXX XXXX XXXX was then my mortgage holder. This will prove that I could not have been late when PennyMac took over as my mortgage company in XXXX of XXXX. 

Just recently : Illegal Insurance Practices. 
I and my family live in XXXX, NC, and have just come through Hurricane Florence that left many of us hurting. The area has been declared a Disaster Area from The President and FEMA. I also suffered damage to our home, and our insurance company assessed the damage at {$8000.00} of which we have received only {$950.00}. I am able to do the repairs on the home myself, but PennyMac has insisted that I get a contractor out to do the work for me. The remainder money has been taken by them, and is under their control for no apparent reason. They will not release the money to me without extended paperwork from contractors. No contractor will comply with their requests due it being illegal, which leaves our home in disrepair.
Product: Debt collection

This complaint is regarding CMRE Financial Services : Collections Acct. # XXXX for the amount of {$270.00} and Acct. # XXXX for the amount of {$370.00}. And any other collection they have placed on my credit report. 
The collection agency fraudulently put the above collections on to my credit report. I have disputed the charges. [ See exhibit XXXX ] My dispute ... Their response ; sent to me from CMRE. They have been unable to send me any bill from the institution that they say they represent. I have always maintained medical insurance. My insurance has always paid over the amount that the service was worth. If these charges are for medical services, they are 1. Fraudulent, 2. For services I did not receive, 3. Services that I did not agree to or want but I was charged anyway. There is so much fraud in the Insurance /Medical/Collection agency field ... It does so much damage to people, and their credit. 
The fraudulent billing practices of the medical institutions, and the people who work at these institutions along with the collection agencies they hire, give them the ability to extort money from the public by having all your private information which facilitates the creation of bills that go to their collection agencies like CMRE which then ruin your credit. The fraudulent actions of CMRE, are keeping me and a lot of other people from refinancing. 
See Exhibit B, Mortgage Company wants to pay CMRE, before I can refinance to a lower rate. The Mortgage Company explains it by repeating ; 'it 's the XXXX Selling guide '' that is to blame and they have to follow those guidelines. They are insisting that these accounts be paid. This demand is based on hearsay information for charges that CMRE put on my credit report. They are fraudulent, further it represents insurance fraud by the person who created this collection account, who has partnered with CMRE to get extra money from people for a service that has already been paid for by insurance or for services not rendered. These charges have not been adjudicated by going through the court, to produce a lean. 
It is unbelievable that this Company CMRE can nickel and dime Americans, they have such easy access to our Credit reports and can hold us hostage with no proof of a debt. CMRE can keep the American people from refinancing, or just do this type of damage on a fraudulent whim. It is exactly like racketeering. I want these collections removed from my credit report and the Mortgage Company notified that this issue has been resolved.
Product: Mortgage

During the final week before closing on my mortgage, there was an unexpected issue with lender fees and points, which ended up being higher than originally disclosed. Additionally, by the time we closed, mortgage rates had fallen below the rate we had locked in. In light of these changes, I requested a {$500.00} lender discount to offset the additional costs. XXXX XXXX, the mortgage broker, assured me that he would personally reimburse me {$500.00} after closing. Based on this assurance, I moved forward with the loan.

Escrow closed successfully, but for over two months since, XXXX has not followed through on his promise. I have reached out to him multiple times, and each time he has provided different reasons for the delay. Initially, he mentioned financial difficulties and requested that I wait until the end of XXXX. When that date passed without payment, he asked for more time, extending the deadline to XXXX, citing a pending payment on his end. Unfortunately, this has become an ongoing pattern of delays. 

There was also confusion regarding the interest rate. When we discussed rates early in the process, XXXX mentioned that another client had secured a 6.125 % rate, which gave me the expectation that we might be able to obtain something similar. However, the final rate ended up being 6.625 %. When I inquired about the difference, the explanation given was that the market had changed, which was understandable but not what I had initially expected. 

I also experienced some confusion around the rate lock. Initially, I was told there was no downside to locking in, and that if rates fell by the time of closing, I could secure the lower rate. However, by the time we closed, I was informed that rates would only be adjusted if they dropped by a certain threshold, which wasnt verbally communicated upfront. At that point, switching lenders and restarting the underwriting process was presented as the only option to obtain a lower rate, which could have jeopardized our closing. 

I believe that clearer communication from XXXX about the rate lock conditions and his follow-through on the promised {$500.00} would have significantly improved the experience. I hope this review helps others make an informed decision and that these issues can be addressed moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is regarding my credit card account with Avant Card ending XXXX has a credit limit of {$500.00} with a current available balance of {$380.00} with a APR of 25.99 %. 

I have never missed a payment with Avant card ive always been excellent with them and overpaying. Currently they have my card locked and have had it locked since XX/XX/2021. 
I submitted a dispute on a charge in XXXX for a charge at the time that stated authorized charge pending for {$290.00}, they submitted my claim to fraud they shut down my card sent me a new one. After that point a week later the charges name appeared " XXXX '' I called avant and they informed me that I could call XXXX the representative gave me the number and told me if they do it will take 10 business days. I call XXXX they informed me it was something with a XXXX XXXX  XXXX  in New York & that no dispute had been submitted but once my credit does submit it, they will send in everything to prove I did not rent a vehicle nor picked up a vehicle with a XXXX XXXX  XXXX  in NY. 

I also informed them I am in Florida how would I be renting a car in New York and they could see all my purchases at XXXX XXXX, XXXX, my XXXX  purchases. 

I received a call from someone name XXXX from fraud saying my case was being transferred to the dispute center and, it would be assigned to a rep named XXXX and gave me his phone number. 

On XX/XX/2021 Avant card closed the dispute and posted the funds into the card in the amount of {$290.00}. I went to use my card and it was declined so I call them and they inform me that my card is locked. No one can give me reason why or I have spoken to over 7 managers in XXXX alone. 

I received a phone call on XX/XX/2021 at XXXX XXXX  from a manager named XXXX after pleading with a rep to please have a manager call me because they stated their was no managers available to take my call. 
She informed me in the next 2 business days my card would be guaranteed to be unlocked " perfect '' I replied. 

We are now on XX/XX/2021 and my card is still locked I tried doing a purchase and again declined at this point I do not know what is going on and I am not getting correct answers from anyone in that company. 

Please help me correct this issue with this company it has been well more than allotted time that is mandated. 

I have attached 5 pictures from the beginning of when it happened then, when they posted the funds back on the account and, then the following of them having the card locked. I did include payments and still outgoing payment promised to them on autopay without me even be able to use my card. 
You will also find the incoming call from the rep XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in XXXX 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 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, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time and I have derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously disputed this complaint with CFPB # XXXX asking to verify or delete account immediately as I do not recall having this debt. Results came back as verified stating that account had been opened online and that my personal information had been used and billing statements had been mailed to my address and were never sent back as returned. This is NOT verification at all. 

Credit report is still reporting inaccurate showing a higher balance than credit limit. There is no way that balance is higher than what credit limit is. Account is reporting as CLOSED with payment status of Collection/Chargeoff so their SHOULD NOT be a pass due nor should their be any payment reporting especially using consecutive charge off as a payment method on a dead account. Last payment is inaccurate. This is a total mistake.
Product: Mortgage

I received a letter from NewRez recently saying that my homeowners insurance had expired. Something has gone seriously wrong since NewRez took over our mortgage in the summer of 2023. XXXX, the insurer, has billed me for the policy because they have NOT received the payment through the escrow account. 

Last week I was able to get a NewRez customer service rep on the phone, and they told me NewRez had tried to contact XXXX XXXX times in XXXX. I talked to someone at XXXX who checked and said there was no record of NewRez contacting them about my account. Then I emailed a copy of the XXXX bill to NewRez. Today I am trying to reach NewRez to follow up, but when I call the XXXX service numbers, XXXX XXXX and XXXX, on each number an automated system keeps asking the same questions, then saying " goodbye '' and disconnecting. 

I am very concerned about whether NewRez has also failed to pay my property taxes out of the escrow account.
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding my credit report, specifically inaccurate late payments listed for the account with 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 XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : 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 or other personal consumer reports

I am writing to dispute the accuracy of unauthorized inquiries currently reported on my credit report. This communication constitutes my Round XXXX dispute under the Fair Credit Reporting Act ( FCRA ) for the following inquiries : Inquiry Information : Inquiring Company : XX/XX/XXXXDate of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXXDate of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company :XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXXDate of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company XX/XX/XXXXDate of Inquiry : XX/XX/XXXX Inquiring Company : XXXXXX/XX/XXXXDate of Inquiry : XX/XX/XXXX
Product: Checking or savings account

I bought a savings certificate from XXXX XXXX XXXX, XXXX. on XX/XX/1994 in XXXX, XXXX XXXX XXXX was sold to Wells Fargo ( WF ), and I had received a letter in the mail informing me that all of my accounts were now being handled by WF. 
I recently went to WF to redeem my certificate, and instead of honoring it I was told they would look into it. WF later informed that they would not honor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Nebraska XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Dear Transunion, I am writing to dispute the inaccuracies on my credit report that is currently being maintained by TransUnion. I recently reviewed my credit report and was extremely disturbed to find several inaccuracies that are having a negative impact on my credit standing and financial well-being. 

I have attached a copy of my credit report for your review, and I have highlighted the inaccuracies in question. Specifically, I have found the following inaccuracies : Please see attachment with the list of inaccuracies I respectfully request that you conduct a thorough investigation into these inaccuracies and remove them from my credit report as soon as possible. I have not authorized the reporting of this information and I am confident that it is not accurate. 

I would also appreciate a written explanation of how these inaccuracies ended up on my credit report and what measures TransUnion has taken to ensure that these errors do not occur in the future. I am providing this information in accordance with my rights under the Fair Credit Reporting Act. 

Thank you for your attention to this matter. I look forward to hearing from you soon about the resolution of my dispute. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX  consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX XXXX  now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

This company has failed to provide validation about this account unknown account that reflects a collection on my report. It's been over 4 months with no verifiable information about this debt belonging to me. This is huge violation of under section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ). They have also failed to provide method of verification as required under section 611 ( a ) ( 7 ).
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX. 

I receive my XXXX pension via direct deposit to Comerica Bank and access the funds using a XXXX issued by that bank. ( I am currently residing in XXXX. ) I have recently had trouble accessing my account information through their web banking site. 

My complaint is that on XXXX, XX/XX/XXXX at XXXX pm XXXX XXXX, I called for help in solving the Web Problem and was asked by the man assisting me for BOTH my username AND password!!!!! 
I declined to answer the password question and he said he needed to generate a ticket to have someone call me back. 
The following day, when I called to complain about the password question I was assured, by two different people, that it is " standard procedure '' to ask for that information when generating a web support ticket! 
If an hourly paid stranger can request that information from everyone needing help then it is inevitable that one of them will use that information to log on to an account and siphon some or all of the money in that account! This practice should be PROHIBITED and I strongly protest against it being part of Comerica Banks policy! 

Sincerely XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I was charged two unauthorized amounts of {$29.00} ( total of {$59.00} ) for XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX and immediately filed a claim with my bank, Bank of America XXXX They gave me a Temporary Credit Adjustment on XX/XX/XXXX for the claim # XXXX I cancelled my debit card and was issued a new one since this was a case of fraud. 
On XX/XX/XXXX I was charged from Bank of America yet again for the two amounts of {$29.00} ( total of {$59.00} ) under the charge of Temporary Credit Reversal I did not make these original transactions and do not know why my claim was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX refuse to remove hard inquires that should have been remove from my credit report. Here is a list of hard inquires that are expired : Inquiry date. Removal Date 1. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 2. XXXX. XX/XX/XXXX. XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY
Product: Credit reporting 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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

reported XX/XX/19 Balance {$1700.00} Company Amerassist AR Solutions. 
This company has put this on my credit for collection. I have not given anybody my social info. This is fraud and i request to be taken off my credit.