23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I submitted a timely mortgage payment to PennyMac in the amount of {$1700.00}. This was my first payment to the company. Prior to XX/XX/XXXX, my mortgage servicer was XXXX XXXX Loans. 

When I submitted the payment, through my bank, XXXX XXXX, I accidentally interposed two numbers in my loan number on the memo line of the electronic payment. My address and other pertinent information was correct. 

That payment, according to PennyMac was lost or never received from them. Since XX/XX/XXXX, I have called PennyMac series every month to find out the status of my inquiry into my XX/XX/XXXX payment. I have been on the phone with PennyMac and my bank about 6 times. My bank has verified that I made the payment and that the money was withdrawn from my account. 

I sent proof to PennyMac, by way of my account statement, showing my daily ledger balance that the money was in fact deducted form my account. Each month there is a new standard. In XX/XX/XXXX, I was told by PennyMac that a trace ID number was needed to locate the payment. My bank, on a three-way call provided the trace ID number. 

On XXXX, XXXX, XXXX, PennyMac informed me that they could not find the payment despite all of the conversations, correspondence and personal financial records I have sent them and that I would need to contact my bank for a refund. The same bank that confirmed with XXXX that they sent, and that XXXX received the payment on XX/XX/XXXX. 

I asked PennyMac to send me confirmation in writing that they have closed the investigation and that they have not located the funds. PennyMac informed me that because there was no error on their part, they could not submit to me confirmation in writing that the investigation is closed. 

I would like a full refund and compensation for the stress and inconvenience this has caused me.
Product: Payday loan, title loan, or personal loan

This is a goodwill letter I sent to Affirm and was not granted an adjustment. 

I am writing this letter in regards to a loan I acquired two years ago through Affirm to purchase an air filter from XXXX. Unfortunately this was during the global lockdown due to COVID-19. I was unemployed and was unable to make two payments from XXXX XXXX, 2021 to XX/XX/ 2021. As soon as I was employed I paid off the full amount, 60 days past due. Understandably my credit score/ report was affected. It has made it very difficult to apply for a car loan or get a reasonable interest rate on a mortgage for a home. I would like to make a goodwill adjustment to your reporting to the three credit agencies ; XXXX, XXXX and XXXX. I have two late payments. Since then and prior to that, I've been an exceptional customer paying 9 different loans on time. Ive enjoyed being a customer with Affirm and would like to continue doing so. I hope that you will consider my request.
Product: Vehicle loan or lease

My auto loan was purchased by SunTrust Bank. While with SunTrust Bank, it was virtually impossible to ever get a hold of any representative or person in regards to my account. At one point, I knew that I would be slightly late on being able to pay my monthly note and I was actually able to get through and speak with someone in regards to the delay and explain the situation. I was told by the individual to just call back and pay on the date that we discussed which was approximately 15 days after my due date. Upon doing so, I made the payment but was contacted shortly thereafter by the bank stating that I was late and inquiring whether I wanted to resolve the debt. I explained to them that although I was late, I did indeed make the payment. I continued making my payments on time for the next couple of months but also continued receiving calls stating that I was delinquent. I then spoke with a manager in regards to why I kept getting the calls and it was explained to me that as I was paying, my payments were being applied to the next month 's payment as opposed to paying the debt in question as paying on a late payment would require me to purchase a money order or send cash through the postal service which I was not aware of, nor willing to do. Shortly thereafter, SunTrust Bank was purchased by Truist Bank where I was much more successful with speaking to Representatives and working with someone on the issue as I was never really able to get a hold of anyone at SunTrust after that point until they were bought out. I put in a dispute with Truist and was told upon completion of the dispute that the report would be removed from my credit history. I believed that the situation was resolved until approximately 1 year later when I attempted to get a loan and was told that it was still on my report. I contacted Truist and informed them that it was never removed as promised and they informed me that they would have to file another dispute. I received a letter later saying that the dispute was denied and nothing would be changed on my credit report. I called back two more times to explain the situation and explain that it was not up for renegotiation, it was just finalizing the initial dispute and removing the mark from my history. I ended up filing a total of three disputes all which were dismissed seemingly without consideration. Upon filing the third dispute, not only did they not remove the report in question, they added two more missed payments to my record that were previously not there. At this point, it's no longer just unethical business practice, it's intentionally malicious and I received it as a clear cut message that if I continue working towards Justice and correct reporting, they will do whatever they want to stop me with no recourse or checks and balances.
Product: Student loan

MULTIPLE daily calls, living on Social Security and shared diagnosis of XXXX XXXX. Between medical bills and struggling to live they continue to not offer any options AND call me an absurd number of times everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have contacted XXXX XXXX, XXXX, XXXX, XXXX, and Experian and they refuse to remove the invalid bankruptcy on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else which is just ridiculous! The unverified account listed below is still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit ReportingAct, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Product: Credit card or prepaid card

Chase has indicated that I made multiple fraud claims over a short period of time and have decided to close my VISA account on XXXX. However these events happened through in the past couple of months happened through no fault of my own, I've promptly reported the damages to Chase in a timely manner. I'm grateful for Chase ' Zero Liability Protection but I it appears that I am now punished for something outside of my control while being the victim in this scenario. I'm beyond stressed out because this happened out of the blue with no prior notice and this credit line is suddenly being closed. I have since contacted their Fraud department but they were unable to assist me further indicating the decision is final.
Product: Checking or savings account

I logged on to the its get my payment website and it is showing a bank account number which is not mine. 

We scheduled your payment to be deposited on XX/XX/2021 to the bank account below. 

Bank Account XXXX : XXXX If you don't see your payment credited to your account, check with your bank to verify they received it. We will mail you a letter with additional information on this payment. 


My bank account number ends in XXXX. 

I have called Direct Express about this at XXXX XXXX and customer service said there are no pending deposits nor and pending transactions for my bank account for a stimulus check. 

I am worried that someone may have opened another bank account in my name and had my stimulus payment sent there. 

There is no way to speak with the its on the phone nor do they have an email to contact them to discuss this issue, and Direct Express has no record of any payments send to them, yet the its states they deposited my payment to my bank yesterday.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I learned that without my knowledge or any connection to me, these inquiries had been published on my credit file. Please help me remove these items from my report immediately. According to FCRA section 605b, the credit bureaus are required to remove or restrict any information mentioned on an identity theft report. I have provided certain documents to help in the blocking of the fraudulent information that are being posted on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Cashaps handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cashapp numerous times and reporting discrepancies, my financial institution and Cashapp failed to investigate my claims adequately. I was unable to reach an agent or speak to a real person when I did get someone on the phone. The CFPB 's findings indicate that Cashapp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety. I am worried that my information may have been stolen or used for purposes without my knowledge.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 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

XX/XX/XXXX Subject : Formal Complaint Creditor Failed to Respond to Credit Dispute Within 30 Days Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Information : XXXX for failing to respond to my credit dispute within the legally mandated 30-day timeframe, as required by federal law. Despite submitting my dispute on XX/XX/XXXX and responded on XX/XX/XXXX, American Express and XXXX has failed to provide verification of the disputed account as outlined under the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate disputes and communicate with the information provider within 30 days of receiving a dispute. Additionally, 15 U.S.C. 1681s-2 ( b ) mandates that creditors and furnishers of information must conduct a proper investigation and report the results to the credit reporting agency within the same timeframe. This failure to comply not only violates these statutory obligations but also jeopardizes my rights as a consumer to fair and accurate credit reporting. 

Given the creditors non-compliance with federal law, the account in question must be promptly removed from my credit report. Failure to do so constitutes willful negligence, which exposes the creditor and any associated credit reporting agencies to potential legal action. Under 15 U.S.C. 1681n, I am entitled to statutory damages, punitive damages, attorney 's fees, and court costs if the violations are found to be willful. 

I demand the immediate removal of this account from my credit report and written confirmation that this matter has been resolved within 10 business days of your receipt of this letter. Should this issue remain unresolved, I am fully prepared to escalate the matter by pursuing legal action and filing complaints with the Federal Trade Commission ( FTC ) and the Attorney Generals office. 

I trust that the CFPB will address this issue promptly and enforce the legal obligations owed to me as a consumer. Please confirm receipt of this letter and provide a resolution to my complaint at the earliest possible opportunity. 

Thank you for your time and attention to this matter. 

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

I am writing to inform you of fraudulent activity on my credit report. I have recently discovered unauthorized inquiries on my credit report, which have been listed without an active account associated with them. These inquiries have negatively impacted my credit score and financial reputation. 

Upon reviewing my credit report, I have identified several unauthorized inquiries : XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX I demand that all unauthorized inquiries be immediately removed from my credit reports. These inquiries were not initiated or authorized by me, and they are negatively affecting my creditworthiness. 

Please investigate this matter promptly and provide me with written confirmation once the unauthorized inquiries have been removed from my credit reports. Additionally, I request that you take necessary measures to prevent any further unauthorized inquiries on my credit report in the future. 

Thank you for your immediate attention to this matter. I look forward to a swift resolution. 

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

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on XXXX Account Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file by the credit reporting agencies TransUnion, XXXX, and XXXX. I believe these late payments are erroneous and do not accurately reflect my payment history, as I have consistently made payments on time. 
Nature of the Complaint Inaccurate Reporting : The late payments for XXXX, XXXX, and XX/XX/year> on XXXX and for XXXX, XXXX, and XX/XX/year> on XXXX and TransUnion are inaccurate. 
My records clearly show that I was enrolled in autopay, ensuring timely payments. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments violates my rights under 15 USC 1666 ( b ) as they misrepresent my creditworthiness.

Potential Violation of Fair Debt Collection Practices Act ( FDCPA ) : The false reporting of these late payments may also constitute a violation of the FDCPA, which prohibits misrepresentation of account status.

Truth in Lending Act ( TILA ) : These reporting practices are in violation of the TILA, which requires accurate reporting of credit obligations.

Under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 mandate that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of consumer files. Articles 15 USC 1681n and 15 USC 1681o further outline civil liability for willful and negligent noncompliance with these provisions. 
Summary of Account Details and Errors The XXXX account shows consistent discrepancies across all three credit bureaus. 
TransUnion : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as XXXX, XXXX, and XXXX  days late. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as XXXX, XXXX, and XXXX  days late. 
XXXX : Late payments inaccurately reported for XXXX, XXXX, and XX/XX/year> as XXXX, XXXX, and XXXX  days late. 
These errors directly contradict my payment history and enrollment in autopay.

Requested Resolution I request that the inaccurate late payments be removed from my credit report with TransUnion, XXXX, and XXXX. These entries do not reflect my true payment history, as my account was enrolled in autopay. I expect a thorough investigation and the correction of these errors within 30 days of receiving this complaint, as required by law. 
Please confirm in writing the removal of these entries. Failure to resolve this issue may lead to further action to protect my rights under the FCRA, FDCPA, and TILA.

Attachments Copy of my Government-Issued ID Copy of my Social Security Card Proof of Current Address Copy of my Credit Report showing the disputed errors Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove one account from my consumer credit reports that does not belong to me.
Product: Checking or savings account

I was job scammed off XXXX. I was sent a check in the amount of {$4800.00} to deposit on XX/XX/2023 to start getting what I need to start work from home. I purchased a XXXX XXXX for {$1300.00} at the XXXX XXXX. Sent that device overnight through XXXX so that vendor can upload the software needed to get started in the amount of {$230.00} was the overnight XXXX cost. I also XXXX {$500.00} on XX/XX/2023 to another vendor to help with set up cost. I was told I needed to send a cashiers check of the remaining funds of {$2200.00} on XX/XX/2023 for my XXXX XXXX to be set up with software. I sent the cashiers check overnight by XXXX in the amount of {$92.00} on XX/XX/2023. After all these transactions were made the check bounced and was returned on XX/XX/2023. This left me with no help and depleted funds in my account, trying to get a part time job I was left responsible from a scammer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against credit bureau Experian & XXXX. 

I sent 4 letters for them to verify accounts that were reporting to my credit report. I asked for them to mail me a copy of the paperwork with my signature to validate the account was mine. They received all four my letters, and responded back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. That they " updated '' & verified the accounts are mine without showing me any proof. On XX/XX/XXXX they sent a letter stating " Unless you send us additional relevant information to support your claim, we will not reinvestigate this information again. '' How can I so support to my claim on accounts that aren't mine? 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through the physical verification of the original signed consumer contract. They never sent physical verification. 

Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. 

My next step is to take them to small claims count and sue. Send letters and paying for shipping cost me money, and time!
Product: Credit card

please remove the PC Richards, JCPenney and Ashley furniture accounts.. All acct we paid off. 

Please update my XXXX XXXX XXXX XXXX  mortgage  account where the payment are reported as last.. I was in the COVID forbearance for 18 months and then I sold the house and paid off the mortgage. 

Update date all the late payments on credit card
Product: Credit reporting or other personal consumer reports

I have never given consent or permission to report or share any information about me. Under the Gramm-Leach-Biley Act ( 15 USC 6801-6802 ), I have not signed any consent form allowing my information to be disclosed to non-affiliated third parties, electronically or in writing. There is no legal proof supporting the accuracy of these marks, and they have not been properly verified. 

I am complaining about the impermissible access of my credit report by LVNV Funding LLC, in direct violation of the Fair Credit Reporting Act ( FCRA ). Last month, I have discovered that the LVNV Funding LLC, fraudulent account had been opened in my name without my knowledge or consent. I need proof of a wet signature of an application and proof this is a credit transaction with LVNV Funding LLC. LVNV Funding LLC is in violation of federal and state laws, and I will go legal if this isnt removed.
Product: Money transfer, virtual currency, or money service

I deposit the check of the sum of {$91000.00} on the XXXX of XX/XX/2023 and it was said to be available in 7days time Only for my to try to login my account today and it says my online access have been locked And the check I deposit have been withdrawn, the whole {$91000.00} was withdrawn Please I need details on whom withdraw my money and I want my money back