23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am consumer XXXX XXXX and my federally protected rights have been violated by PENNYMAC LOAN SERVICES. I do not have a contract with PENNYMAC LOAN SERVICES. I've requested that PENNYMAC LOAN SERVICES send the FORWARD FLOW AGREEMENT BETWEEN THEM AND XXXX XXXX. I've demanded that PENNYMAC validate this alleged debt pursuant to 15 U.S.C. 1692g, and to verify alleged debt with sending the name and address or original creditor. PENNYMAC has not done the things listed above. I demanded proof of PENNYMAC giving me a loan.

PENNYMAC LOAN SERVICES has not given me my right to rescission under 15 U.S.C. 1641 ( c ) of a transfer of loan. Under the CFPB 1026.23 Right of rescission has to be given in a consumer credit transaction. PENNYMAC IS IN VIOLATION OF THESE SECTIONS.

PENNYMAC LOAN SERVICES has continued to harass the consumer for payment and threatened me to seize my consumer property on XX/XX/2022, which is false misrepresentation pursuant to 15 U.S.C. 1692e ( 4 ). PENNYMAC LOAN SERVICES has sent unknown individuals to my property without my consent to harass and violate my individual privacy of the consumer. I serviced PENNYMAC LOAN SERVICES a CEASE AND DESIST and they persist to harass me as a consumer and natural person not obligated to pay any debt not owed. PENNYMAC LOAN SERVICES is a third party debt collect and must abide by the Fair Debt Collection Practices Act, & Truth in Lending. PENNYMAC LOAN SERVICES has failed to properly respond to my AFFIDAVIT OF TRUTH IN WHICH LEGALLY HAS TO BE ANSWERED BY AN AFFIDAVIT OF TRUTH AS WELL. PENNYMAC HAS SENT COPIES OF A CREDIT TRANSACTION THAT THEY WERE NOT PRESENT FOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems, Please see attached including : - written complaint - drivers license - social security number - address - latest report from XX/XX/2023 Please have all of these unauthorized inquiries removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried to have this situation resolved with no resolutions. XXXX XXXX XXXX Date Opened : XX/XX/2021 XXXX XXXX : {$2300.00}.
Product: Checking or savings account

On XX/XX/year> I noticed my online banking wasnt working. I was out of town in NY so I went to a branch to withdraw money. That same day I call the number the app requests me to call to fix the issue. I state to the lady on the recorded call to not do anything on my account if it was going to deactivate my checking account while Im out of town. I specifically told her I would handle manners when I get home if the needed to be deactivated. At that time I still could withdrawal Money. Just no access to online banking app. The next day XX/XX/XXXX I try to use my card and it was denied. When I called BOA to see why they stated they closed my account that the representative put in a claim to close. I never authorized this and I had BOA for XXXX years! I never had this happen and didnt understand what was going on especially after I just asked her to not do anything to my account if it was going to deactivate it. She assured me she wasnt. She lied because she did. They told me they would send me a check for funds. I contacted BOA a week later ( today XX/XX/XXXX ) they still Have my money in my account, wont send the check and said I cant have MY MONEY YET! Now my bills ( internet and phone bill ) are cut off because XXXX cant pay it with no money! Due to them not sending my money. If my account has been closed why are you still holding onto my money?!!! You are putting me in a financial bind!! I have no money while they are doing whatever they are doing!
Product: Vehicle loan or lease

I was sold a car on XX/XX/XXXX I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX for XXXX dollars down and financed said car for XXXX a month under CREDIT ACCEPTANCE CORP. When buying the car no mention of me needing to take it to be inspected or the expired inspection was mentioned. After failing to receive a license plate for to months my car was impounded on XX/XX/XXXX and when I went to receive it from the court house I was told that I was not the rightful owner because my name was not the name the showed up attached to the vin number When reporting to my dealership I was told that the car was sold with an invalid inspection and that they could help me without getting it inspected. After that without my knowledge my dealer went on to illegally submit paper work to the dmv switching the car into my name after the car already accrued a large amount of debt in the junk yard as a holding fee and I already had a case with credit acceptance to removed my name from the car I want this debt removed from my name because it was sold to me illegally from both XXXX XXXX XXXX XXXX  and credit acceptance as they financed a car that they did not have a title for I have voice recordings from my conversation with the car dealership and paperwork showing credit acceptance financed the car illegally
Product: Debt collection

On XX/XX/24 I contacted First Digital and was informed by a representative that my account was closed on XX/XX/24 for the amount of {$430.00}. I agreed to a settlement of {$300.00} and paid {$150.00} at that time, the representative informed me I had 90 days to pay the settlement and a payment was required within 30days. On XX/XX/24 I called in and made a {$40.00} payment. On XX/XX/24 I called back in to pay the remaining balance and was informed that my settlement agreement was voided because I did not pay within 30 days. I informed the representative that I was not informed I had to make a payment every 30 days only that I had to make the first payment within 30 days which I did. I asked if I can reopen my settlement and pay off the balance. The representative stayed that the new settlement amount would be {$290.00}, I asked does that amount include the {$190.00} that I already paid and she stated that it does not. The representative stated that my current balance is {$390.00} which includes late charges and interest rates that are still being charged on a closed account. I then asked to speak with a supervisor who stated that the amount is accurate as they charge late fees on closed accounts. And that they can offer a settlement but on the current balance of {$390.00}. I informed the supervisor that I will not be paying the settlement amount and will be filing a complaint against the company.
Product: Mortgage

In XXXX of XXXX, my wife and I were pre-qualified by Wells Fargo Mortgage to purchase a home in the amount of XXXX. We placed an offer on a new construction home which had been on the market for 6 months. During the negotiations, we asked the builder to throw in a fence and we would offer XXXX. The builder ( XXXX XXXX in XXXX Alabama ) said he would put the fence up, however, my wife and I would have to pay XXXX ( above our Ernest money ) which would come back to us in closing. However, if we BACKED out of the loan ( this is key ) we would NOT get our money back. Three days before closing, Wells Fargo called us and told us they could not write the loan. When we contacted the builder ( as we DID NOT back out, the bank messed this up ) they said they would give us only till XXXX XXXX XXXX to purchase a home from them and they would apply the XXXX to that home. Who would want to purchase a home from a shady place like that knowing we had nothing to do with what happened? So, we called Wells Fargo for replacement of the XXXX they told us in not so many words, it was our loss even though we were completely mis-lead from the prequalified letter to the whole work up to closing. 
My wife and I are both XXXX 's. When we applied for the loan we were both XXXX XXXX with XXXX XXXX and told our mortgage officer XXXX XXXX in XXXX Alabama that we were leaving the XXXX XXXX and coming back home permanently. She was fully aware and we got taken for XXXX and Wells Fargo refused to make it right. 
Please help! I was unaware of the CFPB till seeing a report on a Sunday Morning program today! 

Please contact me if more information needed. 

We spoke with a man at Wells Fargo in their consumer division named XXXX XXXX ( XXXX ) XXXX XXXX XXXX Wells Fargo XXXX XXXX ( XXXX ) XXXX Office ( XXXX ) XXXX Cell
Product: Credit reporting or other personal consumer reports

The following hard inquiries reflect on both my XXXX and XXXX credit report and I have not initiated any transactions with such company, nor do I have an account with them for review or collection purposes. Therefore, there is no valid reason for them to access my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I ordered the merchandise on XX/XX/2021 with XXXX XXXX  run by Comenity Bank for clothes totaling for the amount of {$260.00}. The merchant promised to deliver the merchandise to my address, but the merchandise was never delivered to my address to date. When you click on the tracking number linked with this order it seems the date given for merchandise was on XX/XX/2021, which does not coincide with the date I ordered my clothes which was XX/XX/2021 ( a month after the XX/XX/2021, date above ). The link is a XXXX  link for tracking number, so I called XXXX and explained the situation and gave the tracking number to XXXX. XXXX  informed me the tracking number is not listed under my name nor my address. None of the information linked to XXXX  is related to me so it is impossible for the delivery to be me nor the clothes I ordered. I received a bill from XXXX XXXX  last week and included a charge on the bill for those clothes I never got. They charged me clothes I never got. I been trying to straighten this out with them for a couple of weeks and have gotten the run around. I have been put on hold for an hour the hung up on, switched from one person to another, given invalid phone numbers to call charged for items I never received on my recent bill, and it seems they do not have a Billing Dispute Department since they refuse to give me information on that. I requested they that the error be corrected, that any finance and other charges related to the disputed amount be credited to my account, and that I receive an accurate statement. I was not given an initial delivery date nor was I never notified of a delay in my delivery. I found the later by going to the website and saw there. I was never given the opportunity to cancel my order or give a refund. All I have gotten is the run around with no help to resolve the problem.
Product: Mortgage

I am making this statement as a Notary Public for and by the State of California ; After speaking with " XXXX, '' she has has confirmed that my home WILL NOT be part of the Loan Recast program as I have requested. My goal is to pay the overage amounts to the escrow account in order to lower the monthly payment DOWN from the current {$2700.00} to {$2600.00} starting in XX/XX/2023. In the new year, I want to re-assess my mortgage account every month until the payment is back down to around {$2000.00} / month - given that my home has actually gone down in value over the last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a chime credit builder account that is a prepaid card. I have to place money on the account before I can spend said money. The money I place is supposed to act as my credit limit and I am unable to spend more then I have placed. Chime reported in XX/XX/2021 to XXXX that I owe {$180.00} which is impossible due to the fact that if I try to spend more than I have already paid it will decline. After disputing with them and the credit bureau several times I moved all of the money I had left on the card to my other account with them and have not used this card since. They say they report monthly but never updated in XXXX and are still telling me the balance showing on my credit report is correct even though I have been at XXXX since the beginning of XXXX. Due to how they are reporting this, it is negatively affecting my credit score despite the fact that they advertise their card will increase your score exponentially. I would like my credit report updated to reflect the correct balance of XXXX and their practices reviewed for how they report PREPAID cards.
Product: Debt collection

XXXX XXXX reported that I owe {$1300.00} to an account that was fraudulantly opened with my social security number on XX/XX/2022. They turned it into a collection agency called XXXX XXXX XXXX and reported it to XXXX in XX/XX/2022. I noticed it on my credit report XX/XX/2022 and contacted XXXX XXXX XXXX at that time, along with XXXX. XXXX told me that I would have to go through the credit collection agency at thay time. A fraudulent address showed up on my credit report when I looked at it yesterday, XX/XX/2022. It is XXXX XXXX XXXX, XXXX, CA. I have lived at XXXX XXXX XXXX XXXX for 6 months and XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( 17 years ) prior to that. Please help me get this off of my credit and close the account with XXXX XXXX. I have since frozen all XXXX accounts ( XXXX, XXXX and XXXX ). I am applying for a mortgage at this time so time is of the essence for me to get this resolved. Thank you ps-I also attached a coupe of utility bills of proof that I live at XXXX XXXX XXXX XXXX XXXX XXXX, CA. I work for XXXX XXXX XXXX XXXX and do not live in XXXX, CA.
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 XXXX {$110.00} XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX  {$73000.00} XXXX XXXX  {$300.00} XXXX XXXX XXXX  {$700.00} XXXX XXXX XXXX {$290.00} XXXX XXXX  {$5000.00} XXXX XXXX XXXX  {$950.00} XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX In accordance with the Fair Credit Reporting act.

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 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.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : [ XXXX  XXXX XXXX ] Account Number : [ XXXX ] Open Date : [ XX/XX/2023 ] Balance : [ {$1700.00} ] Account Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Open Date : [ XX/XX/2023 ] Balance : [ {$2000.00} ] I request that you reinvestigate the completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S. Code 1681e ( b ), I request that you ensure all procedures followed to include this information are reasonable and guarantee maximum accuracy.

I appreciate your time and consideration in this matter and look forward to receiving a positive response
Product: Student loan

Navient failed to provide alternative methods to paying student loan especially based on earned income. I asked for forbearance and was told I had to pay {$150.00} to keep my payment options current. I also informed Navient that I had recently graduated in XXXX 2016 and if they offered a grace period or any alternative payment options. Navient denied having any other payment options other than paying the amount owed.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had one late payment on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payment for the account : XXXX XXXXXXXX XXXX Account number : XXXX, please investigate and provide proof with statement showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks
Product: Money transfer, virtual currency, or money service

Coinbase is the company Im having an issue with. My ticket number for the complaint with coinbase support is XXXX. 
They have locked me out of my account, in which I have {$32000.00} since XX/XX/XXXX at XXXXXXXX XXXX when their system experienced a crash. They have no phone support and I have contacted email and XXXX support multiples times. Each time, I get the same messages from what appears to be a bot or someone sending templates. These emails tell me to do things that dont work and never lead to resolution. They send the same responses over and over. I have not experienced any fraud, of which I informed them. There is no reason why I should not be able to access my money. To this day no real human has contacted me or reached out to me. I tried to file a formal complaint snd they punted me back to support. They are holding my money hostage and there is no way to get in touch with any human being. 
Please help me.
Product: Credit reporting

XXXX XXXX XXXX is reporting on all XXXX credit bureaus. This is a repossession showing on my credit reports that is over 7 years old. This vehicle that was repossessed was never in my possession and belongs to another person that is not and has never been of relation to me. I believe the amount of said debt is around {$11000.00}. I recently discovered this on my credit report when applying for a loan through my local bank. I want this deleted/removed from my credit report as of its age and wrongful placement of responsibility.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, Experian, block fraudulent, inaccurate, and unverifiable information appearing on my consumer credit report within 4 business days of receiving this complaint. This complaint pertains to the following accounts, which violate FCRA standards for accuracy, completeness, and verifiability : XXXX XXXX  : Conflicting Reporting Across Bureaus : Listed as " Over 120 Days Past Due '' on Experian but " Collection '' on XXXX. 
Inconsistent High Credit : High credit amount is reported differently across bureaus. 
Missing Date of First Delinquency ( DOFD ) : Required under FCRA 605 ( c ) but not provided, rendering the account unverifiable. 

XXXX : Contradictory Statuses : Simultaneously reported as " Charge-Off '' and " Past Due. '' Missing Delinquency Dates : Key reporting dates are missing, violating FCRA 1681e ( b ).

Unverifiable Creditor Details : The account lacks proper classification and origin. 

XXXX Ownership Ambiguity : Marked as " Pay As Agreed '' while containing delinquency notes, creating inconsistency.

Missing Reporting Dates : Lacks DOFD and other critical dates, violating FCRA 605 ( c ). 

XXXX Contradictory Reporting : Simultaneously reflects " Charge-Off '' and " Collection. '' Inconsistent High Credit : Reported high credit differs across bureaus. 
Missing DOFD : Essential delinquency dates are not provided. 

XXXX XXXX XXXX Misclassification : Creditor listed as " Unknown, '' which is unverifiable. 
Missing Delinquency Dates : No clear XXXX provided, violating FCRA 605 ( c ).

Contradictory Statuses : Reflects both " Charge-Off '' and " Collection, '' violating Metro 2 reporting standards.

These accounts violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) : Requirement to maintain maximum accuracy in credit reporting.

FCRA 605 ( a ) : Prohibition of unverifiable and outdated information.

FCRA 605 ( c ) : Mandate to report the Date of First Delinquency ( DOFD ) accurately.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Obligation to block fraudulent and unverifiable accounts within 4 business days.

FCRA 609 ( a ) ( 1 ) : Right of the consumer to access all information used in credit reporting.

FCRA 611 ( a ) : Requirement to conduct a thorough reinvestigation of disputed information. 

These inaccuracies harm my creditworthiness and financial stability, violating my rights under the FCRA and causing undue hardship.
Product: Mortgage

I am a Penny Mac customer. I was in the process of refinancing my house. 
I was notified five hours before my refinance settlement, that my loan had been canceled for non-payment of my XX/XX/XXXX mortgage. I paid my mortgage. 
I paid my mortgage on XX/XX/XXXX. 
I called to find out what the confusion was. 
I was notified my mortgage was placed in suspense because of taxes and escrow increase. 

Almost a full month passed between my XX/XX/XXXX mortgage payment and my XX/XX/XXXX settlement date and I had not received any notification that my payment was placed in suspense and not applied to my account. 
No phone call, no email, no account notifications, no letters, no Robo call, nothing! Even when I logged into my account on the company website to sign the settlement disclosures. Nothing! No Notifications. 

The servicer provided no communication that my loan was not paid in full or that I was in jeopardy of my loan being canceled, even though I spoke or was in communication with my loan processor and/or loan officer, 2-3 times a week. Often speaking with them several times a day. I even received an email from my processor the night before settlement, confirming what I would need at settlement. 

As a customer refinancing with the same lender shouldnt I have received more than 5 hour notice that my refinance loan is being canceled because my mortgage payment wasnt applied to my account? 

I was failed on two fronts, by the service provider not communicating in a timely manner the status of my payment and by the refinance department who promised in there opening email to monitor the loans status through settlement. 

I have never missed a payment, please check my history. There is no reason, I would intentionally not make my full mortgage payment. 

I was told that the my loan officer and the Penny Mac team were there to make sure my loan processed smoothly. This event has shown a gaping hole where loans and customer experience can fall through and fail. I am sure this is not the experience the Penny Mac Team promised or intended for my Veteran family to have.