23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX and XX/XX/XXXX I was refinancing my house. I had a loan through Penny Mac. My new mortgage company XXXX XXXX XXXX and title insurance Company XXXX XXXX XXXX reached out to Penny Mac to get the pay off amount for the loan. A few days after this number was discussed, Penny Mac sent a check to FEMA on my behalf. This changed pay off numbers. The refinance happened and around XXXX XXXX, Penny Mac reached out to XXXX XXXX about the discrepancy. On XX/XX/XXXX, I reached out to XXXX XXXX because I had received a notice from Penny Mac that my mortgage was late. I have since received a check from FEMA that my account was paid in error. I am trying to resolve this issue, but have been given XXXX different amounts from Penny Mac as to what I owe. I am completely confused as to how a company can have so many different numbers as a balance on my account. I am willing to pay the amount that they paid extra to my escrow to FEMA but I do not feel liable for the interested and added fees that are added on to this account. I keep being told that someone will return my call but each time it is at least 2 days not the 1 promised. 
I am a XXXX military member and I have a title insurance company helping me out. I can not imagine the stress this would put on someone else in my situation. I have XXXX XXXX and the stress of this is causing me physical pain. I would love this issues addressed quickly and with no further confusion. I would also love for someone to look into the constantly changing numbers on my bill. It was {$1000.00}, {$1300.00} ( I scratched this one out in my notes so it might be off ), and {$1700.00} all in a 20 minute phone cal on XX/XX/XXXX. The first letter I have says {$1600.00} and the second one {$820.00}. The phone call on XX/XX/XXXX said {$1500.00} and the final call today stated {$1500.00}. This last amount was also included in an email and an hour later they decided they could be gracious and knock {$100.00} off since I was concerned. 
I know you are n't supposed to mention feelings in a business letter, but I feel like this is one big joke. Penny Mac paid FEMA despite not having to. Penny Mac waited over a week to address the issue with XXXX XXXX who sent the money. Penny Mac waited 2 weeks to reach out to me. How is this my almost {$2000.00} mistake? Penny Mac is a big corporation and it would say much more about their character if they could XXXX lose on a mistake they made. It makes me curious how many thousands of dollars in their income is due to problems they caused but would not own up to. I work hard for my money both my military pension and what I get from working in XXXX and I do n't have {$1700.00} to hand over due to a clerical error on the part of a huge corporation!
Product: Debt collection

Hello, I was recently contacted by Midland Credit Management about a past due debt charged off by XXXX XXXX. Upon reviewing the alleged debt, I am certain this debt is not mine. I have called XXXX and requested documentation dating back until XX/XX/2020 ( when the credit card was apparently first opened ). They were unhelpful and told me they no longer had these documents. I told them under federal law banks are required to keep records for at least five years. After being transferred to the supervisor, he dismissed what I had to say and hung up on me. 

Alleged debt owed : {$1600.00} MCM Acct # : XXXX XXXX Acct # : last XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CHASE XXXX Account # XXXX IS PASSED THE SEVEN YEAR MARK ON MY CREDIT AND IS NEGATIVELY AFFECTING MY CREDIT SCORE! 
THIS ACCOUNT HAS BEEN CLOSED FOR OVER SEVEN PLUS YEARS AND IT NEEDS TO BE DELETED AS PER ( THE FCRA ) THIS IS CAUSING ME FINANCIAL HARM! 
PLEAE HAVE THIS DELETED FROM ALL THREE CREDIT AGENCIES. 

THANK YOU VERY MUCH
Product: Debt collection

Get the accounts result of ID-Theft off my credit report now! Other bureaus fixed it, and even the creditors agreed they're fraud. Stop damaging my credit or face legal action. Investigate, remove, and give me written confirmation no excuses! XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please DELETE.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting companies are reporting my last car payment to XXXX XXXX reflects XX/XX/2019. I have payments in XXXX, XXXX, XXXX, and XXXX, 2019, all of which are above the minimum amount due. These payments would of course reflect positively on my credit score!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX is on my credit inquiries XXXX times for XX/XX/2021 I have never applied for this company and why would they have XXXX inquiries at the same time
Product: Credit reporting or other personal consumer reports

I recently rviewed a copy of my credit report and noticed I had fraudulets accouts in my report.Pleace remove these accouts from my report they are hurting my ability to obtain credit. XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On the XXXX XX/XX/2020, I booked a return flight for my Aunt going from XXXX  to XXXX. This flight was booked using my chase XXXX reward points. However, the flight booked was cancelled by XXXX XXXX. As such, I called XXXX XXXX to get a full refund, as per the DOT regulations and while XXXX XXXX promised to refund the flight they never did. On XX/XX/2020, I submitted a complaint to DOT explaining how I was not given a full refund as I'm legally entitled to. As such, such DOT replied back to me explaining that they contact Chase Travel and XXXX XXXX, in regards to this and requested them to issue a full refund. On XXXX XX/XX/2020, XXXX XXXX, contacted me stating they were looking into the issue and would get back to me. On XXXX XX/XX/2020, XXXX XXXX, replied back stating that they had system issues that resulted in them delaying the refund on their side. As such, they requested that I initiate a credit card dispute to retrieve the original cost of the flight. As the flight was booked using chase points, this was not something I could proceed with, however, this would be something that Chase Travel could resolve. I contacted chase travel multiple times via email, with the last email sent on XX/XX/XXXX and I never received any response. During this time I called Chase Travel Center to get in contact with a supervisor in order to get authorization to proceed with the chargeback. Over a 3 month period, I called Chase Travel Center four times and each time, I was told that there was no supervisor available and that I would need wait approx. 72 hours for a a call back. However, each time I never received a callback and I'm stuck in the same place as I was since XXXX. Each of these phone calls were recorded and I contacted Chase Travel Center once via Chat, to get this resolved ; again being promised a call back from a supervisor, which never happened. I have all the email history from DOT, XXXX XXXX & Chase XXXX XXXX XXXX with no replies XXXX.
Product: Credit reporting or other personal consumer reports

This account is not mine. Ive disputed with original company and with credit bureaus. Ive sent over all documents stating my case and information to prove its not my account. This item keeps reappearing on credit file without proper verification. This account needs removal. 
This XXXX XXXX XXXX XXXX and discover bank accounts needs removal
Product: Debt collection

I have XXXX XXXX for 13 years, and my credit is not getting any better. I can't even get a car without very high % rate and can't even think about a house. I think my credit needs to be clean up I don't owe anyone that I'm not paying.
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. 

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 Had violated my rights. 

15 usc 1681 section 602 A. States I have the right to privacy. 

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 1681 C ( 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 convictions of crimes which antedates the e report by more than seven years. 

15 usc 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

GENESIS CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Per FCRA as a federally protected consumer I am opting out of any and all authorization I the consumer may have provided, written, verbal, unwritten and non verbal for the duration of indefinitely per 15 USC 6802. Per Privacy Rights Act of 1974. Per IRS Publication 4681 Canceled Debts are certificates of indebtedness and are now reported as income and income can not be collected.

Action Requested : Remove from ALL Credit Reports.
Product: Credit reporting or other personal consumer reports

I have received several hard inquiries on my credit report that were not me. Someone is applying for credit cards with my information
Product: Checking or savings account

This is the second leg of a complaint I filed earlier. Over {$5000.00} was taken from my checking account one morning at XXXX XXXX. The transactions were not authorised and about half of the sum was returned immediately, while {$2400.00} was held in " pending '' status. The amount of {$2400.00} was removed from my bank account nonetheless. Chase cancelled my debit card after I reported the fraudulent transactions. It was days before Chase returned the sum of {$2400.00} to my bank account. It sent me a very brief letter explaining that the case was closed, and made no attempts to explain why the fraudulent transactions occurred in the first place. 

Furthermore, I had reported the fraudulent charges on XX/XX/XXXX. By XX/XX/XXXX, I was still waiting for my replacement debit card. I finally called Chase on XX/XX/XXXX to ask why my debit card hasn't arrived, and after being on the phone for XXXX minutes and having spoken to XXXX different Chase employees, I was on the line with XXXX XXXX from the credit card department. I was told that because Chase had previously tried to send me replacement credit cards that did not reach me, I was on a list for undeliverable mail ( or some such ; I can not remember the exact description used ) and I had to speak to the credit card department to get my name off. I asked why Chase couldn't navigate this internal bureaucracy on its own and the employees gave no explanation. I was on the speaker phone throughout this XXXX ordeal to get a replacement for my debit card that was cancelled as a result of fraudulent transactions, and at one point my husband spoke to me while I was on the phone. Chase employee XXXX XXXX, upon hearing my husband 's voice, demanded that he introduced himself because she could hear him on our call. XXXX then informed me that if I needed my debit card urgently, and I do, since I have waited weeks for it, that I needed to pay a {$5.00} " rush fee. '' Having failed to deliver my debit card after XXXX weeks, Chase now requires me to pay a fee to get the job done. I refused the fee, and XXXX informed me that the replacement debit card would be delivered by without the " rush service. '' Chase 's customer service is truly appalling, to say the least.
Product: Credit reporting or other personal consumer reports

Subject : Credit Reporting Errors & FCRA Violations by XXXX, Equifax, and XXXX Funding Complaint Details : I am filing this complaint against XXXX, Equifax, and XXXX Funding for multiple violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards regarding an account that is being reported inaccurately on my credit report. 

Account Information : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$1000.00} Account Status : Listed as " Open '' and " Collection/Charge-Off '' simultaneously Date of Last Activity : Incorrectly reported as XX/XX/year> Bureaus Reporting : XXXX & Equifax Violations Identified : Re-aging of Debt ( FCRA 605 ( c ) ) The accounts last activity date is incorrect, making it appear newer than it actually is.

This is a clear case of re-aging, which is illegal because it extends the time negative information remains on my credit report. 
Duplicate/Incorrect Reporting ( Metro 2 Violation XXXX XXXX XXXX XXXX  XXXX XXXX XXXX the original creditor, but XXXX Funding now XXXXwns the debt.

Metro 2 requires that only the current owner report the debt. XXXX XXXX should have marked this account as " Transferred/Sold, '' but that has not been done. 
Incorrect Account Status ( Metro 2 & FCRA Violation ) The account is marked as " Open '' and " Collection/Charge-Off '' at the same time, which is conflicting information. 
A charged-off account should not be reported as open. 
False Monthly Payment Information The account lists a {$1000.00} " monthly payment, '' which is misleading because collection accounts do not have monthly payments.

This falsely increases my debt-to-income ratio, which can harm my creditworthiness.

Dispute Not Properly Addressed ( FCRA 611 Violation ) I disputed this account with XXXX and Equifax, and instead of correcting the errors or removing the unverifiable information, they left it on my report without providing proper validation. 
Under FCRA XXXX, credit bureaus are required to investigate and correct or delete disputed information within 30 days. 
Since this has not been done, XXXX and Equifax are in violation. 
XXXX XXXX Failed to Provide Proper Debt Validation ( FDCPA Violation - FCRA 809 ) I have requested validation of this debt, and XXXXXXXX XXXX  has failed to provide proof of the original agreement, itemized charges, or a contract that shows I owe this debt. 
Requested Resolution : I am requesting the immediate removal of this inaccurate and unverifiable account from my XXXX and Equifax reports due to violations of the FCRA and Metro 2 compliance standards. 

If XXXX and Equifax can not verify the accuracy, they must delete the account under FCRA 611. 
If XXXX XXXX can not validate the debt, they must remove it from my credit file under FDCPA rules. 
If the bureaus and XXXX XXXX fail to comply, I will consider legal action under FCRA 616 ( Civil Liability for Willful Noncompliance ) and FCRA 617 ( Civil Liability for Negligence ).
Product: Credit card

Was shock to find out that there is a open Discover credit card in my credit report this account is fraudulent never gave any one permission to open this account please remove from my credit report Thank you
Product: Mortgage

Servicer has provided inaccurate, error ridden and misleading payoff and reinstatement notices to borrower. Federal Law requires the information contained to be accurate. 


In addition, creditors, assignees, and servicers must provide an accurate payoff balance to a consumer no later than XXXX business days after receipt of a written request from the borrower for such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

These accounts are ran as a chargeoff ( 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  But I never received the 1099 cancelation of debt form. And because of that these accounts are inaccurate and they have to be removed. Thank you.
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX XXXX XXXX XXXX said that they are going forward the information to a collection agency because of the Fair Credit Act they will pause on pursuing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed hard inquires on my credit files that were not me nor were they authorized by me. I have called to get them taken off the credit beruas and they have not. I did not sign for these accounts and did not give permission for them to pull my credit. Under the Fair Credit Reporting Act- I have the right to fair and accurate credit reporting to my credit file. 

The following accounts are on XXXX as hard inquires 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 CREDCO - XX/XX/XXXX CREDCO - XX/XX/XXXX CREDCO/XXXX XXXX - XX/XX/XXXX I'm not sure why XXXX XXXXXXXX keeps pulling my credit. they always send me letters in the mail stating I'm pre-qualified for a credit card and i have never ONCE applied for them. As for Credo, I don't even know who that is and why would anyone apply to the same consumer that close together?
Product: Mortgage

Our mortgage was COVID impacted. So, our mortgage lender, XXXX XXXX XXXX, performed a full loan modification. Spring HQ insisted to our points of contact at XXXX XXXX XXXX that we have either a lien on our mortgage or balloon. Both are not true. The amount in question is {$9000.00}, which is not interest bearing. XXXX XXXX XXXX put that amount on the backend of our loan. Spring HQ required satisfying the {$9000.00} and charging us 10.875 % interest on the {$9000.00}, which reduced the {$77000.00} HELOC to {$67000.00} ( net cash from borrower {$64000.00} ). XXXX XXXX XXXX charges no interest on that amount and defers it to the end of the term. Spring HQ 's arbitrary rule works like a penalty and profits from money that's not theirs to collect interest on. I am including two attachments, one that shows the terms or our full loan modification with XXXX XXXX XXXX ( at 4 % ) and the other 45 pages of terms we signed for the HELOC with Spring HQ. Please contact me with any questions. Thank you, XXXX and XXXX XXXX
Product: Debt collection

XX/XX/2022 was asked to be removed due to Bankruptcy
Product: Credit card or prepaid card

I applied for the American Express Platinum Card. I was denied credit. I sent them a response letter on XX/XX/2022. They responded on XX/XX/2022 stating that would not open the account. The reference number is XXXX " I know credit is my right according to 15 usc 1602f credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer it payment. I am a creditor, which is a person who regularly extends credit ( 15 usc 1602g ), therefore, i credited this transaction so i cant be denied. I credited this transaction so how can you deny me. The determination was unfavorable to me which is why it is adverse. Nothing under adverse action ( 15 usc 1681 ) gives you the right to deny me. I credited this transaction as a creditor from my credit card. A credit card is any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, ( 15 usc 1602l ). You have committed a crime on my behalf because I extended you credit, you received it and I didn't benefit from it ; that's called unauthorized use. According to 15 usc 1602p, unauthorized use is a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. According to the Equal Credit Opportunity Act, 15 usc 1691, ( a ) activities constituting discrimination, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- ( 3 ) because the applicant has in good faith exercised any right under this chapter. The right that i exercised was my right to credit ( 15 usc 1602f ) and that is also why you are discriminating against me because you aren't allowing me to exercise my right. ''
Product: Credit reporting, credit repair services, 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 XXXXXXXX XX/XX/XXXX
Product: Consumer Loan

I am trying to set up a payment arrangement with Flagship Credit Acceptance regarding my car loan. I informed them that I only get paid on the XXXX of every month and was informed that I could change my due date but they would not do so. Also, my house was in the process of foreclosure so I had to resolve that issue which I did before I could move forward with paying my car loan. The representative threatened me and asked where the vehicle was so they can come to my house and take it since I 'm not responsible. The representative hung up every time I tried calling her back and sent me threatening e-mails as well. I am able to pay the full balance on XXXX XXXX to resolve this matter but no one is calling me back.
Product: Student loan

I have just entered repayment for my student loans, both sallie mae and XXXX, paid to XXXX college and XXXX university. I 'm a graduate XXXX and am a life long PA resident. I am making under {$26000.00} annually and am due to give birth in XX/XX/2016. With added medical bills, from pregnancy and a preexisting condition, and day to day bills, I contacted my lenders to work out lower monthly payments of some sort. Sallie Mae informed me their extended repayment program would n't change my payments and they could not help me any further. Now every time I call them they are brash and offended when I ask about any programs they offer besides deferment. XXXX, I have called many many times, filed a complaint on this site before and followed all the paper work trails they have asked me to. I did this in the hope of getting income based repayments, but the last time I called I was actually told they could n't lower my $ XXXX monthly payments a lot and that " because I have n't missed any payments 'they ' have no other options for me at this time. '' As a responsible adult I 'm trying to work with them and even did financial statements for them, showing I have an extra {$10.00} a month and my cosigner has very little extra income as well. 
I am trying to work in their rules but I 'm simply not able to pay and neither is the cosigner, and after my forbearance has ended my only option according to them is to stop paying. 
The fact that my original lender for all my loans, sallie mae, specifically told me that I could get income based repayments after graduation is most annoying part.