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

On XX/XX/XXXX via certified mail tracking # ( XXXX ), I sent Experian a letter disputing unauthorized accounts and info on my file, XXXX  XXXX Employees Credit Union ( Account No. XXXX ) as well as requesting documentation of my consent under FCRA Section 609. Experian did not fulfill these obligations. In addition, on XX/XX/XXXX I filed an identity theft report and claim with Experian per FCRA Section 605B. As you know, the FCRA requires bureaus to complete identity theft investigations and remove any fraudulent items from files within 5 business days of receiving a report under Section 605B ( a ) ( 1 ) and Section 605B ( d ). It has now been over 30 days since filing, yet Experian has failed to remedy the ID theft as federal law mandates under 15 U.S.C. 1681c-1. I believe they are in willful noncompliance with these consumer protection statutes. I urge the CFPB to investigate and compel Experian 's full correction of these matters, including immediate deletion of unauthorized personal details as prescribed by law. Justice demands no further violation of consumer rights and prompt resolution of ID theft damages. Thank you for enforcing consumers ' rights to privacy, consent and prompt fraud resolution. I stand available to provide support for your inquiry. Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Complaints Department, I am writing to formally file a complaint against PennyMac for mishandling my escrow account and subsequently reporting an inaccurate late payment to the credit agencies, which has unfairly impacted my credit report.

The issue arose after a shortage on my escrow account, which PennyMac failed to inform me about. I later learned that approximately {$2000.00} was marked as " suspended, '' as cited by a PennyMac customer service representative, instead of being applied to my mortgage payment. Additionally, I had recently changed home insurance providers during this period. However, the refund from my initial policy was never received or applied back to my account, further compounding the escrow shortage issue. 
Without prior notification or explanation about the escrow shortage or its effect on my payment status, PennyMac reported my mortgage as delinquent to credit agencies. This reporting is inaccurate, unfair, and has caused unnecessary harm to my credit standings.

Desired Resolution : I am requesting an immediate review and correction of the inaccuracies on my credit report. Specifically, I ask that CFPB require PennyMac to : Reverse the negative credit reporting and clear my record of any late payments related to this incident. 
Provide a full accounting of my escrow account and confirm the adjustment of the {$2000.00} suspension to the appropriate balance. 

Thank you for your attention to this matter. I trust your office will thoroughly investigate and assist in resolving this situation promptly. Should you require any clarification or additional information, I am available at XXXX and XXXX Sincerely, XXXX XXXX
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 3credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Account XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has 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.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXXXXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXL XXXX XXXX Balance XXXX : {$0.00}
Product: Debt collection

XXXX XXXX and their foreclosing firm, Rubin Lublin has wrongfully collected funds from the sale of my foreclosed house. XXXX billed and collected money from me beyond what was fair and legal. 

The attached ledger shows that in their statement of what I owed, XXXX billed me twice for the foreclosing attorney 's fees. 
Arrowed XXXX and XXXX in the attached documents. 
I was charged {$660.00} on XXXX/XXXX/2016 on behalf of the attorney 's firm, Rubin Lublin. Then the same charge was billed to me again on the ledger of attorney fees, which I was billed again {$660.00} on XXXX/XXXX/2016, then {$75.00} XXXX/XXXX/2016, and {$310.00} on XXXX/XXXX/2016 all on behalf of the attorney. The {$660.00} appearing twice is a double billing and an improper charge. 

The attached information also details property inspections by XXXX for 3 years which I was not aware of, I was not notified,, I was never billed, and the payment for these so called property inspections they claim are paid by their corporate office without my knowledge and consent. They have collected {$1300.00} for these inspections, which I knew nothing of. They billed for these inspections even in months when my mortgage note was paid, and they never notified me. It is fraud and unfair act against FDCPA. 

Rubin Lublin also collected additional {$690.00} fees from the surplus of the sale after all their services had been billed and collected by the lender from me. I complained to the firm that it is atrocious, and any agreement of charges was between them and the lender who hired them. Since they were hired by the lender and paid by the lender who billed me for all fair services, under the law, any direct additional billing by Rubin andLublin is unfair under FDCPA and I do not agree.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX, CLOSED ACCOUNTS <XXXX XXXX > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXXXXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX ) ( XXXX, CLOSED ACCOUNTS <XXXX  XXXX > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXX XXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX XXXXXXXX> Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer do not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. following the Fair Credit Reporting Act convergent XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/2021 I disputed a transaction for {$9.00} with an account I have with Brinks Prepaid card. When I disputed the transaction, I did not know that my account would be blocked and my card canceled even though I DID NOT REPORT IT LOST OR STOLEN. I should have been informed before proceeding to dispute a transaction, that my card would be canceled and my account blocked. There is no verbiage in their website " warning '' customers that their account will be blocked and their card canceled. We should be given a choice " to accept '' or " decline '' this decision BEFORE proceeding to dispute a transaction. 

Note : I disputed the transaction with XXXX because they automatically deducted a fee from my account that I had originally set up with them when I used their services in the previous month. However, I had opted out of the service months ago and they still charged me a fee for the current month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Assoc No action was taken no proof of anything, no hard copies.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX, I spoke with a representative at Citi Bank about a payment plan. I am XXXX past due and can not afford that due to family obligations, bills, and a lawyer earlier in the year which was all stated in the recorded phone call. I stated REPEATEDLY that I did not have the funds in XXXX to make a payment. He came back and told me we could settle on an agreement of XXXX per month for 5 years at zero interest. I agreed, once again stating that I did not have the funds for XXXX and starting XXXX XXXX, XXXX and the XXXX of every month after, I could pay XXXX a month. On XXXX XXXX, XXXX I recieved a letter stating that this agreement was terminated due to no payment when I did n't have a chance to pay because it 's not XXXX XXXX. Once again, I stated repeatedly I could not pay in XXXX and that was not an issue to him at all. They made NO EFFORT TO CONTACT ME AND SENT MY ACCOUNT TO COLLECTIONS. I call them on XXXX XXXX, XXXX demanding I speak to the same guy I originally made this deal with or forward me to some type of XXXX or supervisor to deal with this. The lady on the phone refused to transfer me and lied to me saying she could n't access my account anymore. I was just on my account that morning so I knew she was lying to me. I go to log on again not even 3 hours later and I 've been blocked from my account, and have no access to see anything. The point of this complaint is that they did not follow through with their side of the agreement, when I told them multiple times I could NOT pay in XXXX and made NO EFFORT TO CONTACT ME. Please take the time to listen to the recording from XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts are in violation of my FEDERALLY PROTECTED consumer RIGHTS to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX and account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX XXXX XXXX account number ending in XXXX XXXX ) 15 U.S.C 1681 SEC 602 ( A ) States I have a RIGHT to Privacy. 2 ) 15 U.S.C 1681 SEC 604 ( A ) SEC ( 2 ) : States a consumer reporting agency CAN NOT furnish an account without my written instructions. 3 ) 15 U.S.C 1681c. ( A ) SEC ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 4 ) 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 consumer knows or has reasonable cause to believe that the information is inaccurate. These accounts have another name on them and a different address which Ive never lived out of California. These items must be DELETED immediately and a rapid re-score is requested.
Product: Consumer Loan

I am a victim of Identity theft. Someone obtained a auto lease from BMW Financial Services under my information. The signature on the contract does not match, my full name was not on the contract, the wrong address was used, the date the account was opened does not match on my credit report, BMW Financial Service sold a car as a new car at a high price when it was clearly a demo car with over XXXX miles on it and the fraudulent account was opened on my birthday and I never ever apply for any type of credit on the birthday .... I faxed, emailed and certified mailed my identity theft affidavit to BMW Financial Services. All I got back with a copy of the contract for a car I did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX XXXX is reporting a bankruptcy on my credit report. XXXX   claims to have verified this information through XXXX XXXX. According to the FCRA, It is a violation to use a third party agency information. Furthermore, I have a certified letter from the BANKRUPTCY court saying they do not Furnisher this information to XXXX  or XXXX XXXX. XXXX  is also reporting inconsistent and inaccurate information about this account on my credit report such as open date, reference number, the name of the court and the closing date, and if this information is coming from XXXX XXXX that means their information is inconsistent and inaccurate as well. XXXX XXXX and XXXX  are both unable to verify this information with the ORIGINAL CREDITOR.  SO what is their METHOD OF VERIFICATION if the ORIGINAL CREDITOR stated they do NOT gove out this information, and why are they reporting inaccurate and inconsistent information on my credit report. I am prepared to file a complaint with my state attorney general, and contact a layer to seek damages from both companies on behalf of the damages they are causing to my credit report.
Product: Debt collection

My account is NOT in collections. I have spoke with the medical center where I received treatment and verified this,
Product: Credit card or prepaid card

CHASE BANK has a misleading promotion, claiming new holders of the Chase Sapphire Reserve will be given XXXX bonus points if they spent {$4000.00} or more in the first three months. I have never owned a Sapphire Reserve card before. When I called to apply for the Chase Sapphire Reserve card, they did not tell me I was not be eligible for this benefit, but they gladly allowed me to agree to pay a {$450.00} annual fee. Chase claims the Sapphire Preferred card I had was the same account - and the reserve is just an upgrade - and therefore I am ineligible for the bonus points.
No where in the promotion details does it say Sapphire Preferred card owners are ineligible for the bonus. When I spoke with a represen tative inquiring about the Reserve ca
rd, no one told me I would not be eligible for the promotion. My Sapphire Reserve is a new credit card to me. Which is what the language below says. They did not tell me it was going to the same account. I had no expectation that it would be. " XXXX Bonus Points This product is not available to either * ( i ) current cardmembers of this credit card, * or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. To qualify and receive your bonus, you must make Purchases totaling {$4000.00} or more during the first 3 months from account opening. '' I changed my behavior, chose to use their card over other benefit cards with the expectation that I was going to earn this reward. They got my annual fee, I have spent well over the minimum in the first three months. Now Chase has informed me I will not be given the XXXX bonus points. I have escalated this with Chase as far as I can, but they will not give me what I 've paid for and earned.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX has 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion verified   XXXX   XXXX   XXXX   account  XXXX *** and   XXXX   XXXX   XXXX   account  XXXX **** on  XX/XX/XXXX /2017.  XXXX   XXXX   XXXX   is a collector for   XXXX   XXXX   XXXX   XXXX   the hospital closest to my home.I am a   XXXX   XXXX   XXXX   VETERAN with full medical benefits.While we are supposed to go to a VA facility for healthcare normally, if we have an emergency, we can go anywhere.I thought I was having a   XXXX   XXXX   with all the symptoms of one.I was on the phone to VA staff explaining my situation, they told me to call  XXXX .An ambulance was called and transported me to  XXXX .When there I told them I had VA benefits.YOU MUST DELETE THIS ACCOUNT ACCORDING TO LAW.
  XXXX   XXXX   XXXX  , collecting for   XXXX   XXXX  , THE ORIGINAL CREDITOR ... ... Some time ago I visited a   XXXX   Store at   XXXX   XXXX   XXXX  ,   XXXX   XXXX   CA.I was defrauded by two store salespeople who had an intent to defraud me.
They sold me a plan of unlimited usage at   XXXX   dollars per month which I was happy with.
When the first bill came there was a multitude of added on charges and fees which were never disclosed to me and added to whatever I had to sign after I signed.I was so angry at the obvious commission ploy/ fraud that I refused to pay the bill because what I received was not anything close to what I ordered with the two salespersons.You must delete this item as you have not only committed fraud but damaged my credit standing as well.
Product: Payday loan, title loan, or personal loan

After assessing the contract obtained for my vehicle I identified that there were several illegal charges that were assessed in this consumer transaction. I have outlined violations identified below along with supporting documentation which support facts. 

Affidavit of Truth Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administer, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Where, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceitful creditors and I have been abused and deceived so be it. 

Fact, Affiant is aware and has proof in attachment labeled Exhibit A and Exhibit C that MidAtlantic Finance Company , Inc., is in violation of 15 USC 1605. ( a ) ( c ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. MidAtlantic Finance Company did not include my insurance in my finance charge. 

Fact, Affiant is aware and has proof in attachment labeled Exhibit B that Mid Atlantic Finance Company XXXX Inc., is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. Mid Atlantic Finance Company took cash as shown in attachment labeled exhibit B. 

Fact, Affiant is aware and has proof in attachment as labeled Exhibit A that Mid Atlantic Finance Company , Inc., is in violation of 15 USC 1611. Mid Atlantic Finance Company , Inc., willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable.
Product: Payday loan, title loan, personal loan, or advance loan

my balance is still showing XXXX, i started at XXXX on XXXX XXXX, XXXX and i never miss a allotment payment. the credit buerue balance is showing last update XXXX of XXXX. On there website the balance is showing XXXX. All i want is to be treated fairly i make my payment report it to the credit buerue monthly.
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 Account NumberXXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : 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.