23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

1 : XXXX XXXX XXXX keep taking {$1400.00} out of my checking even we made an agreement of {$230.00} per month 2 : XXXX allow me to wait 60 days no caroaument and credit card payment but still tried to charge my bank accounts in 6 loan regarding car payments. I took them of autopsy in XXXX since they double taking out my Carpayment just my XXXX was paid 3 times in last XXXX. 
3 : I stop XXXX, XXXX XXXX all my credit cards payments inc car loan in XXXX since the corona virus start affecting us early XXXX close office XX/XX/14 as we where ask to do but everybody kept on trying to make me pay so my bank of the west charge me over {$3100.00} just for month of XXXX in overdraft fees I asked them to return it as they refuse so I bunch payroll taxes etc cost me over {$300.00} in payroll fees etc. My employees did not get paid. So in XXXX I had to freeze my account since all my billing insurances companies Have direct deposit with me. So its 36 different insurance companies so it is a kit if work for me to upload new checks do on and it took me 2.5 months to get a ppp loan. My rent had not been paid they are still letting checks in charging me overdraft fees even when I have money in the bank. This bank of the west in XXXX XXXX need to be discipline. I live I. XXXX XXXX small town about 180 000 and its a very hardship on me and my husband. What can I do. Please help us out here XXXX. My husband is over 80 still working and a great XXXX
Product: Credit reporting or other personal consumer reports

Car has been paid off from other party XXXX XXXX and also XXXX XXXX paid. This was due to other car crashing into my car. XXXX XXXX  has been paid off. They are ruining my credit report stating I am at delinquency. They are the worst bank one can bank at they have fraud many people including myself with my other vehicle its completely paid off but their saying I still owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the following fraud accounts out of my pocket not having knowledge of my consumer rights at the time of payments and creditor agreed to remove of my credit 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 U.S.C 1681 XXXX XXXX/opened XX/XX/XXXX XXXX XXXX/opened XX/XX/XXXX XXXX/opened XX/XX/XXXX XXXX XXXX XXXX/opened XX/XX/XXXX XXXX U.S.C 1681 section 602 A. states have the right to privacy 15 U.S.C 1681c. ( a ) ( 5 ) Section no consumer reporting agency make any consumer report containing any of the following items of information any other adverse item 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 have been a loyal customer of PennyMac since XXXX. when we purchased our first home and even re-finance our loan with them first time around in XXXX. 
Back in XXXX we wanted to take advantage of the lower rates and apply with PennyMac again to refinance our loan, only to be denied. ( we have never been denied credit before ). We went ahead and contacted another lender who was not only willing to work with us, but got us approved for a significant lower rate. Regardless of the hardship that Covid-19 imposed on most of us, we have never been behind our mortgage payments nor been behind them, ever, and we work hard on maintaining our credit between very good and excellent since our business depends on it. I'm a XXXX XXXX XXXX and every credit decision lenders, suppliers, and potential customers make are based mainly on my personal credit. After being told by my new lender that the new loan would close by the end of XXXX, I requested a off statement to confirm the amount my new lender was telling me on XX/XX/XXXX. That amount included all taxes, interest and principal owed till XX/XX/XXXX. For reasons beyond my control, the pay-off to PennyMac was effective on XX/XX/XXXX for the full loan amount, but to my surprise, PennyMac has reported me to the credit bureau the day before, Sunday XX/XX/XXXX for Late Payment, impacting my credit score tremendously. The same Monday XX/XX/XXXX I contacted PennyMac to inquire about this misunderstanding, and after an hour on the phone, PennyMac stated they will contact the credit bureaus via letter and copy me to have the issue corrected. After not receiving any letter from PennyMac nor seeing any improvement in my credit, I contacted PennyMac again today to inquire on the status of the letter and the removal of the negative reporting only to be told that more information was needed from the 3rd party first to remove the derogatory mark ( without ever notifying me what was needed nor when ) and later on after 35 minutes waiting for a " supervisor '', I was rudely told that she can't lie to the credit bureaus and the derogatory mark can not be changed. ( even after 7 years of loyal exceptional payment history ) After contacting experian and equifax, I'm reaching out to you to help us in this uncomfortable and very unfair situation I've been placed on. 
I'm a hard-working person that has several families depending on our small business and I don't believe this multi-billion company, PennyMac that is, or its " customer service '' reps understand the magnitude of the impact a simple wrong reporting could cause. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw a few fraudulent accounts on my report. The acounts are as followed : EXPERIAN XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$1200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5700.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX  XXXX / {$4000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$5200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3200.00} OPEND XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$4100.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$5000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6400.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$6000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX/XXXX/XXXX XXXX / {$3200.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$3000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$2800.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX / {$2900.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX  XXXX / {$1100.00} OPENED XX/XX/XXXX XXXX XXXX   XXXX {$1900.00} OPENED XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have noticed unauthorized hard inquiries on my account from Regional Acceptance on dates XX/XX/2023 & XX/XX/2023. Please remove immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

XXXX is a creditor as defined by 15 USC 1692a ( 4 ). 

XXXX alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

XXXX is a corporation whose residence is in the state of PENNSYLVANIA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to correct the incorrect " LATE PAYMENT '' marks on my account since XX/XX/XXXX and XX/XX/XXXX 

XXXX has failed to supply any record of payment under the original creditor XXXX XXXX as requested and has not verified the claims of the late payments. 


ALLEGATIONS/COMPLAINT : -XXXX  in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers without verifying its validity after I the consumer notified them in writing that this alleged late was payments were incorrect and I was taking steps to investigate it personally. 

-XXXX  in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- XXXX has caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to both equifax and XXXX XXXX XXXX. I have two accounts on my credit report that were included in my chapter XXXX bankruptcy. They are not reporting that way on my equifax report. I've sent court documents that show the two XXXX XXXX XXXX  accounts as part of my chapter XXXX bankruptcy. Both equifax and XXXX XXXX refuse to fix my report
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was paid off and the same month it was there is a late payment listed which I was not late. Please remove this false remark ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected.XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX XXXX XXXX : {$1300.00}
Product: Debt collection

I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.
Product: Checking or savings account

Since XX/XX/XXXX about XXXX  XXXX, I have not been able to get my account information as it displays an error. I can login successfully but Ally can not display my account information ( balances, etc ). I have called 3 times and no one has any idea when itll be fixed. All XXXX told is that its being worked on. Thats unacceptable for an online only bank to be unable to access my funds for 3 days online.
Product: Mortgage

I have to inform you about what a horrible situation our Mortgage company is putting us in. 
After a bit of research, we are discovering we are not the only ones who have dealt with this in regards to Round Point Mortgage. Its been over 6 months since hurricane Irma destroyed part of our home. Our Insurance company has issued funds from our policy to start making the necessary repairs to our home so we can rebuild. But our mortgage company, Roundpoint Mortgage Servicing, is repeatedly refusing to release these funds!! They have received all necessary documents from us as well as our insurance company. We have sent the documents on numerous occasions and they continue to get lost. We have invoices with our contractor who needs to be paid for the services already performed. In addition, our home continues to sit, with no work being done, and with part of the roof missing. The damage being caused by environmental elements will continue to worsen the damage already done by the hurricane. This mortgage company is turning an already awful situation into a complete nightmare for our family and children. Can anyone offer any help or advice?
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed on my home with Flagstar Bank on XX/XX/2019. About a month later I received a letter of Servicing Transfer to XXXX , XXXX. At some point both companies were claiming to be the company servicing my mortgage and I received statements from both companies in the same month ( XXXX ). Right now my credit report is showing like I have two mortgages and because of their faulty reporting, my credit score dropped to the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am desperate and hope you can help me. Like millions of others, I am one of the people whose data was supposedly comprimised in the XXXX data breech. However, I now live in XXXX ( and have since 2010 ). As advised by many experts, on Sunday XX/XX/XXXX I put a freeze on my credit file at all the credit bureaus, via their automated systems. Every one of those systems indicated that they were mailing my freeze details - and two of them are mailing my PINS!!! - to me ... .except the last address in their systems for me is my last US address, which I no longer live at! I can not get through to a human being at any of the bureaus to stop the letters from being sent ... in the avalanche of all the breech calls, all the bureaus have seemingly stopped any human responses. Can you assist in any way? I have fallen in to what appears to be a very dangerous security breech " hole, '' as a US citizen, living abroad.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX no longer owns this account and it was sold to another agency. Therefore it can not be reported by XXXX XXXX XXXX and it should be deleted from my account because this company is no longer responsible and does not own the debt. 

As a result, the consumer bureaus have violated the law listed below. 

15 USC 1681e ( b ) : Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

This law explains the Credit Reporting Agency must take steps to ensure that everything on my credit report is 100 % accurate.

Please provide information on the steps taken to prove the information is 100 % accurate.
Product: Credit reporting or other personal consumer reports

Erroneous inaccurate information on my credit report.
Product: Payday loan, title loan, or personal loan

I had a loan with Ace Cash on last year and today I get a call from another company saying they are verifying my wages to file suit and they will PURPOSELY add on {$2000.00} to it. I told them I will speak with my lawyer before I agree to anything and XXXX told me MY LAWYER COULD DO NOTHING. I HAD TO PAY OR ELSE. THAT 'S HARRASMENT. I have not heard from these people in a year and now out the blue they call with scare tactics. I have the screen shot the number they left and I called back. They are RUDE and need to advice there employees that we have rights also.
Product: Credit reporting or other personal consumer reports

There is a Public Record ( XXXX  being reported on my Credit ) I first wrote to the credit bureaus to ask who reported the record. I later got a letter saying that is was verified by the XXXX  XXXX, which I wrote asking about reporting my information to the credit Bureaus. They replied by with a XXXX page letter saying that the court does not report personal information to anyone. I then wrote back to the credit bureaus letting them know the courts response and I got a reply saying it was verified? Which was not true since I got the letter from the courts.
Product: Checking or savings account

Sofi is charging a {$100.00} ACAT fee to transfer the account. The value of the account is {$200.00} and they are unwilling to waive the fee.
Product: Debt collection

I am currently XXXX XXXX XXXX and live in Michigan. I supposedly owe XXXXt {$1600.00}. A company by the name of Jefferson Capital System is the original creditor. This makes no sense to me considering my entire life I have been on my mom and dads XXXX XXXX plan. I have had the same phone number since my very first phone and have never used XXXX XXXX. My personal information has been leaked through multiple data leaks during my time a XXXX XXXX XXXX  and I believe that someone acquired my personal information and fraudulently opened an account with XXXX
Product: Credit reporting

XXXX XXXX XXXX in XXXX Tennessee reported to Experian that I owe XXXX XXXX XXXX in XXXX. I obtained documentation from XXXX County Court proving that I paid in full the court ordered restitution in XXXX and sent it to Experian. Experian refuses to remove the outdated negative information from my credit profile that XXXX County Court waited six years to report, well beyond the statute of limitations for executing a civil judgment.
Product: Credit reporting or other personal consumer reports

Fraudulent collection accounts XXXX XXXX XXXX Opened XX/XX/year> {$580.00} My information may have been impacted by the XXXX, XXXX and XXXX Data Breach and may have got into the hands of the wrong person Under The XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : XXXX. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges. 
XXXX. Copies of any signed agreements or contracts pertaining to the debt. 
XXXX. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies. 

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter. 

Additionally, I request that you : XXXX. Investigate and verify the accuracy of the debt reported. 
XXXX. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution. 

This request serves as official notice. I expect you to act promptly and within the timeframes required by law. 

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Lastly, You are required to remove this inaccurate information immediately, as mandated by U.S. Code 605B, without subjecting my dispute to a 30-day investigation. Under this law, inaccuracies related to identity theft must be blocked or deleted promptly upon receipt of appropriate documentation, and I fully expect compliance with this legal obligation.

Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA. 

Respectfully XXXX XXXX XXXX Without Prejudice
Product: Checking or savings account

In my original Complaint, Number XXXX, against Wells Fargo , I confirmed my identity to the first call-taker and was told that the restriction on the {$5000.00}. deposit was removed. The next day, XX/XX/2023, I again contacted Wells Fargo and this call-taker informed me that the restriction was not removed, and that she was now removing it. 
While I was online with this call-taker, I checked my account and saw that the deposit was not honored, and I informed the call-taker. 
She then proceeded to tell me that the {$5000.00}. deposit was cancelled. 
In a Wells Fargo 's subsequent letter to me, it was stated that they were not able to confirm that I authorized the activity, and restricted my access to online banking, ( of my checking account ). 
Truth be told, I informed Wells Fargo that I authorized the deposit activity. 
I did so more than once. My acknowledgements were totally ignored. 

I had requested that the deposit be reinstated, which was also ignored.
Product: Checking or savings account

I have called and sent secure email messages via Ally Bank 's online savings account portal on at least 6 separate occasions over the past months requesting to provide me with interest earned for 3 specific intervals of time in 2022 for our joint tenant Ally Bank accounts/CD 's. Unlike other financial institutions, our Ally Bank 's online savings account does not allow us to determine interest paid for customized intervals of time other than what appears on their mid-monthly statements. In addition, Ally Bank has not responded to any of my email/phone queries requesting this same information for nearly one month now. Customers should not have to make repeated requests for very basic account information. Ally Bank has not provided the most basic level of customer service in regard to my repeated requests and is now totally ignoring me by not returning emails or phone calls. I wish to receive this information from Ally Bank as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of my disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX and Equifax alleging systemic issues such as failing to forward. Consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures online with my experience where XXXX and Equifax has neither corrected nor removed disputed items despite the evidence provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts as XXXX and Equifaxs inaction violates federal law in my rights as a consumer.
Product: Debt collection

Portfolio Recovery located in XXXX Virginia has been constantly calling everyday at various times for a debt that no longer belongs to me. The debt was placed on my credit reports 10 years ago, and by law has been removed from my credit reports. 

Portfolio Recovery has been trying to collect a debt that is basically 10 years old. I have asked them to stop calling and mailing correspondences to my address, but they ignore me.