23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I, XXXX XXXX, am not agree with Pennymac denial decision about my loan modification request. I purchased my home in XX/XX/XXXX and have interest rare of 5.75 %. I am XXXX due to my accident that happened 3 years ago and I went through some XXXX. I was receiving XXXX benefit. With XXXX income I was not able to pay my payment and all other expenses, as a result, I discontinued my XXXX benefit and got a job. I am working 8 hours a day and babysitting evening and weekend to be able to pay my dues. I have a XXXX-years old daughter that needs lots care and attention because my husband left us on XX/XX/XXXX, after we spend all of our saving to pay our housing expenses, due to his business failure on XX/XX/XXXX and gone through XXXX due to economy weakness. I am not able to pay the high interest rate mortgage because with the amount of time I spend to just keep up with my mortgage I am losing my attention to take care of my kid as well as my physical health. Pennymac offered me to sell my home because there is some equity on it. This is not good option for me because renting a home in my area is much higher than my mortgage. I bought my home to keep it and have a stable home for my kid. I am trying to keep a roof over my daughter 's head. I need help to be able to modify my loan. If Pennymac modify my loan I can be worries free and work less to be able to spend sometimes to take care of my daughter health and education. I need Pennymac help to work with me and reduce my rate. I got help form family and friend for past but they stopped their support. I am a single mother with no any other source of back up or saving and would like to keep my home which is my daughter and I future investment. I am asking Pennymac to help me out on my loan modification request.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX XXXX XXXX  Gave my account to Credence Resource Management , LLC for collecting my remaining Ambulance charges. 

Collection Agency name : Credence Resource Management LLC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Credence Resource management collected {$1000.00}. The actual amount I owed was {$520.00} ( Per XXXX insurance summary of benefits ). So Credence Resource falsely collected {$550.00} ( {$1000.00} - {$520.00} ) from me. 

On calling them multiple times for this issue and submitting my request to refund the remaining amount, Credence Resource Management denied it. ( I still don't know where my money is, or even if I will get it back ) Per the practices of FTC, a debt collector can not collect debt more than what a consumer owes. 

A federal action should be taken on Credence Resource Management for their unfair debt collection practices. When they called me to collect this payment they said that they can not wait until I hear back from XXXX insurance on my benefits summary and I need to owe them {$1000.00} right away. 

XXXX action should be taken for this. In return I must be compensated the nominal interest and the amount falsely charged.
Product: Vehicle loan or lease

Company reported me 30 days late when I was on automatic withdrawal. 
I never had a 30 day late. I am requesting that the XXXX request all payment history in writing from Credit Acceptance. This will show there was never a 30 day late and I am asking them to correct this or I will escalate the issue. 

Further, in the beginning of the loan. If payments were received after the due date, they took the money ( late fee $ ) from the payment 1st, then apply the remainder interest and then principal last. 

Towards the end of the loan, they " stopped '' this practice.. And stopped collecting any late fee 's from the automatic withdrawal payments and " rolled them over '' The account was on an automatic withdrawal for years.. If I was running late, where are the letters requesting payment of the fees? Why did you not collect any fee 's from my automatic payments. 

Further you can see late fees in XXXX Again, when payments are not received in the grace period, they took the incoming payment and applied any of the payment towards the LATE FEE 'S first, then the remainder to INTEREST, and whatever was remaining to principal. I am not sure when they decided to switch that and " roll over '' fee 's for months.. It's unethical and illegal. If this is not fixed, I am filing a lawsuit.
Product: Credit reporting or other personal consumer reports

Hello, I wrote XXXX letters for these companies XXXX XXXX XXXX Transunion ) On XXXX different dates XX/XX/2023 & XX/XX/XXXX XXXX XXXX XXXX XXXX and XX/XX/2XXXX XXXX XXXX XXXX  XX/XX/2023 for " Transunion ''. I requested to remove the error on my credit report. There were several addresses and phone numbers on my account have nothing to do with me. I requested this be investigated and that these numbers or addresses could be caused by fraud or someone opening bad accounts in my name or something I don't know but have been asking for this and have no results only " XXXX '' complied with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date last active is ( XX/XX/XXXX ) and on Experian its ( XX/XX/XXXX ). If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete this account XXXX XXXX XXXX ; Account Number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021 XXXX, I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I began writing letters to dispute inaccurate information on my credit report with Equifax. on XX/XX/XXXX I sent them a letter because they failed to respond. In my notice I gave them 15 days to to respond. Still no response. On XX/XX/XXXX I sent another failure to respond notice with intent to file a complaint, and they still gave not responded.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I recieved a notice from Paypal that my account would be limited due to " using my Paypal account in a questionable manner '', and when I logged on my account, the website told me to provide a description of item that I sold. However, I received money selling through ebay, not paypal, and none of that money went into paypal. I put in the description box that I did not sell any items through paypal and I sent the verification, alongside my ID. I also did not sell anything illegal or against the terms of service, and I have been using my paypal account normally for almost two years. 

Four days later, I received an email saying that I can no longer use my PayPal account. I called the customer support number and when I explained my situation, they said that nothing could be done and that there would be no reconsideration. I insisted that they reconsider my case, and the rep told me that there was another department that they would forward my case to, but I honestly do not think that action will be taken to restore my account. 

I also emailed my case to XXXX five days ago, and I am waiting for a response. 

I believe that the ban was wrongful because I did not do anything wrong, and they would not provide a reason why I was banned, so there is no recourse.
Product: Credit card or prepaid card

I received a bill. Paid it on XX/XX/2018. Mailed it on XX/XX/2918. Posted on my bank statement on XX/XX/2018. Received next bill in XX/XX/XXXX. On that statement, I was charged for the same amount again + a {$2.00} interest charge. I paid the total charges for both months, because I did not want my credit to be ruined. Paid total charge on XX/XX/2018. I gave the company a few days, to see what would happen. Called the company 's consumer number about the disputed billing. Was told that complaint dept. was not available. Called on XX/XX/2018, talked to complaint person XXXX. Would not listen, said that the fees + charges would stay. Asking for Help on XX/XX/2018. I do not want my excellent credit score to be tarnished.

I cancelled my card at XXXX XXXX on XX/XX/2018. Total amount in dispute is {$12.00} + {$2.00} in interest charge.
Product: Debt collection

this debt don't belong to me XXXX have other people name on my credit report.
Product: Credit reporting, credit repair services, 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. 

The following accounts have violated my rights : 1. XXXX XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account Number : XXXX 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.

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

Repeated phone calls after being asked multiple times to stop. 

Date. Time 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

I am a victim of identity theft, The information listed below which appears on my credit is the resort of that identity theft ..... 

XXXX Account # XXXX please remove it from my credit report XXXX XXXX Account # XXXX please remove it from my credit report XXXX XXXX XXXXXXXX XXXX Account # XXXX please remove it from my credit report Please block this information from my credit within four business days, pursuant to section 605 C of the Fair Credit Reporting Act.

Please send me notification of the action taken, i appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

My target account is number is XXXX. A Debt consolidation payment was sent to target on XX/XX/2023 in the amount of {$410.00}. My name was in the memo line. The check has already cleared. It cleared on XX/XX/2023 and target has not applied the payment to my account yet. I called them and I opened up a case telling them the check number and they closed my case and still have not posted the payment to my account. I called and spoke to a manager and asked if it was possible for them to run a report to find the check in their system and he said yes it was but for some reason that was not enough to resolve this issue and have the payment posted to my account..
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, XXXX AND XXXX TOOK 45 DAYS TO INVESTIGATE XXXX XXXX AUYOLOAN NO.XXXX. 
THIS VIOLATES THE F.C.R.A. CONSUMER PROTECTION LAW 'S.
Product: Credit card

I disputed a pending charge on my Citi/AAdvantage XXXX XXXX XXXX XXXX XXXX XX/XX/23 for {$2000.00} as I did not make or authorize the charge. I formally disputed the charge on XX/XX/23 and provided all relevant information. The agent informed me that the charge had been made over the phone and not swiped. 

On XX/XX/23, I was advised via the app that I would be responsible for the charge and no credit would be provided. 

This is NOT acceptable and I expect Citi to provide evidence I made this charge along with providing an acceptable credit as soon as possible including all applicable finance fees.
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 TransUnion credit bureau 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$0.00}.
Product: Credit card

Regarding Case XXXX XXXXXXXX This case particularly bothered me because I called for a status update 1 full week after submission and was told the case was sitting in an open queue and not even assigned. The case involves my Discover portal being hacked and demographic information changed without my knowledge or authorization. This can be extremely damaging as the suspect can certainly obtain enough information to open credit cards and other accounts in a fraudulent manner using my identity. 

I am attaching the following documentation to this complaint : 1 ) Police Report ( Complaint XXXX XXXXXXXX ) XXXX ) FTC Identity Theft Affidavit ( FTC Report XXXX XXXX ) As a result of the identity breach, I have decided to close my Discover account as the urgency and response to this matter has not been appropriate in my view. 

I have contacted the Connecticut Attorney General 's office ( XXXX ) and plan on filing an official complaint if this matter is not resolved in a timely manner.
Product: Student loan

I recently applied for a mortgage and was devastated when i saw that my student loans had reported a 90 day late payment in XXXX of 2018. I couldnt believe it and the damage it did to my score was tremendous. It is not possible to go from paying as agreed in XXXX to 90 days late in XXXX. This is a HUGE error and needs to be Immediately removed from my credit reports or i will have my consumer protection attorney file a lawsuit.
Product: Vehicle loan or lease

I spoke to Santander my Creditor regarding my car and we agree if I would pay this bill off with a legal settlement they would removed off of my credit bureau reports. When looking at my credit report its states that I have been late and negative from XX/XX/XXXX until now. I have been trying to speak with them repeating ; they told me that they couldn't do anything to take off this negative reporting off my credit report, but I paid them over {$10000.00} in one lump sum. I have negotiated with them over and over again, even when i paid they still did not help. This creditor is paid and its showing negative on my report and is hurting me a great deal. PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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

XXXX XXXX  supposedly third party company called Apex which is unlicensed decided to contact my employer about a wage assignment. So far to date, I paid about {$1000.00} and the wage assignment was for {$1100.00}. I tried to contact the number but goes straight to voicemail. Time for XXXX XXXX to payback what they took from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

as of XX/XX/XXXX2019 my FICO score dropped from XXXX to XXXX for no reason.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit XXXX XXXX XXXX block information appearing on my XXXX XXXX  report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards from : XXXX XXXX XXXX XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/2019, XXXX XXXX opened a BARLCAYS XXXX BUSINESS CREDIT CARD Account # XXXX for XXXX XXXX SOLE PROPIETORSHIP. The card was blocked from the day it was issued. Barlcays recommened XXXX fax in business verification documents to XXXX. Despite XXXX 's repeated attempts to send in the information and resolve the block, Barclays still has not come to a resolution regarding why the account has been blocked. To date, he has been charged an annual fee as well without having access to the card 's credit line.
Product: Debt collection

On XX/XX/XXXX, I received an email that my loan would be maturing, and I needed to submit some financial documents in order to process for a term loan since the original loan I had was no longer being offered. The loan matured on XXXX XXXX and I managed to submit all of the paperwork around XXXX XXXX. The loan new loan terms were stated as follows : XXXX XXXX {$18000.00} 48 months Rate 12.39 % Appx payment {$480.00} monthly No prepay penalty. 
One time Admin fee XXXX I received this email on XXXX XXXX, XXXX. I was asked to fill out an ownership beneficiary form which clearly was used to profile me and get my personal information as this was a originally a business loan tied to my EIN. This was very misleading. 
There was no further communication afterwards. Then around XXXX of XXXX I received a letter from Burkemoore Law Office claiming there are attempting to collect a debt for XXXX XXXX and if I don't pay they will sue for the money. I was totally blindsided by this. I asked them provided the documentation where I was denied a renewal and for what reason. I never received any of that information. Now my XXXX score has been affected and potentially my personal assets.
Product: Mortgage

The issue is actually on XX/XX/XXXX, I was approved after I applied-to the Mass Homeowners Assistance Fund . They emailed the approval letter to myself AND the mortgage co. They reviewed they were going to pay an amount THEY chose of {$92000.00}. They reviewed also that the delay ( since the approval was in XXXX ) was that they were ( they sent this in letters to me, by the way ) that they were trying to get the PAYMENT to the mortgage company. Then, XX/XX/XXXX, I received a notification I was DENIED. The foreclosure was occurring on XX/XX/XXXX. To go through all those months with an approval, and then it completely CHANGE to a denial-with a looming foreclosure-is unethical. 
In addition, my husband from XXXXsuffered multiple XXXX. He can barely walk and talk. To me, this is even MORE horrific because of the deception and untruths from the HAF program. 
I did nothing wrong-and the treatment from a GOVERNMENT SANCTIONED AGENCY-is deplorable. And unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. Statesl 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 infornmation, 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. 




I sent a letter to Experian, XXXX, and XXXX on XX/XX/2022. Its been well over 30 days, I still have received anything back. 
According to 15 USC 1681i ( @ XXXX ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights.