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

I don't appreciate wells fargo using XXXX XXXX to represent them & having her go on t.v. to further torment me & XXXX XXXX. XXXX XXXX falsely accused me of harassing her at the bank when she was stalking me on XX/XX/XXXX. The employees at the phenix city location somehow my checking account was being tampered with during XX/XX/XXXX. I was told to go to a local branch by the 800 number to go to a local branch. It was XXXX XXXX who was tampering with my account. I had to open a new account. But after I got it open I was told to go back to the branch again. I was being set up because XXXX XXXX was at the bank which I had no idea. Then after I was at the desk with the banker who was also a witness that I wasn't harassing XXXX XXXX. I did notice how the other employees, were staring at me with a HAHA we got you now look. Then out of the blue, the police came in. But they had a look at what's going on here they saw I wasn't harassing XXXX XXXX.so they left. But wells fargo XXXX XXXX XXXX believed XXXX XXXX side of the story XXXX XXXX sent me a XXXX letter saying my accounts are being closed & I was forbidden not to enter any wells fargo especially the one where they did this XXXX thing against me. 

I never wanted to have an account there, to begin with. But in XXXX I had hail damage on my roof. & my insurance company uses them. This banker XXXX XXXX pressured me into opening account with them, then I get treated this way. This was a XXXX XXXX that the employees pulled at the XXXX XXXX branch. I was treated very unjustly. I had no idea that XXXX XXXX was at the bank that day. But the employees at that branch were doing her XXXX XXXX to try to get me falsely in trouble. 

XXXX XXXX also made XXXX of my XXXX XXXX XXXX. This was very unprofessional for a banker to make such comments as these to a customer. This was very discriminatory & judgement on XXXX XXXX part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that are not mine and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. The following accounts in dispute are listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX,
Product: Credit reporting

I can not print and view my full credit report online. There is also a name XXXX XXXX XXXX. Which is not mine. This person had stolen my identy a couple of years ago and her name was supposed to be removed from my credit report and it 's still showing on my credit report. Please remove her name and I the collection companies XXXX and XXXX has been paid in full. This should have been moved from my credit report years ago. I wish to have this resolved ASAP as a I am looking for proper housing and need good credit. Please contact me at XXXX. My full name is XXXX XXXX XXXX. Your immediate attention be greatly appreciated. 


P.S. this identity theft person XXXX XXXX XXXX committed this crime twice and went to court twice. 
Thank you XXXX XXXX
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.This account WELLS FARGO BANK is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX  and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to XXXX, Experian, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

My complaint is with PennyMac Loan Services. I am a XXXX veteran and also exempt from paying property taxes in my county and state. PennyMac advertises many loan services to veterans and their families. PennyMac is not veteran friendly in my experience in dealing with them. The problem I am having with PennyMac getting my property tax escrows refunded and my monthly escrow payments reduced to reflect the exemption. I was approved by my county for the exemption XXXX/XXXX/2016 and after speaking to PennyMac representative I was told to submit the exemption letter and a Demand letter for my property tax escrows to be returned to me, which I completed on XXXX/XXXX/2016. After submitting these documents I received a reply telling me that these documents are not sufficient and that they need a tax bill from the county. After going back and forth with PennyMac I sent in the tax bill showing that I had a zero tax bill and also I was receiving a tax refund from the county. The response from Penny Mac is that a Tax agent from their company was working on it and a representative would be in touch. After two weeks and of nothing I decided to give PennyMac a call. The representative on the phone was very helpful and basically told me that nothing had been done regarding my exemption and no tax research was completed. This representative also called the county and verified that i have a zero tax balance and I have been approved for the exemption. The representative also advised me that PennyMac sent a property tax payment to my county on XXXX/XXXX/2016. This was weeks after PennyMac received a tax bill that I sent to PennyMac showing a zero balance.The representative also told me that PennyMac would have to wait to receive the payment back from the county before they could refund it to me, which is their mistake for making the payment in the first place. Why did PennyMac pay a tax bill that I did n't have if they supposedly did a tax research and contacted my county.The reason is because they did n't do anything regarding my exemption. I dont understand why PennyMac does not want to release my escrow to me when by law they had 30 days to return my escrow after receiving the documentation that I had a zero tax bill. The other problem is as the months go forward without a resolution and I am still making property tax escrow payments to PennyMac because they have not adjusted my account. I also have email documentation showing the responses from PennyMac regarding this case. I am also trying to do a VA streamline refinance with XXXX XXXX to get as far as I can away from PennyMac. The state and federal government agencies have extended many benefits and exemptions to XXXX veterans and their families and I do n't understand how these banking institutions feel like they are above the law and take these benefits from them.
Product: Debt collection

ARS ( Account Resolution Service ) continues to have listed and will not remove from the credit bureaus XXXX debts that I do not believe are mine. I have sent them multiple request to verify these debts and all they are sending me are their " form '' letters that say I owe a debt. I have repeatedly ask for a " signed document '' and they have not/will not provide any such documentation. If I had any such paperwork, it would help prove the validity of the charge. I do not believe it is mine and I also suspect that it may have been filed incorrectly under medicare/medicaid for another hospital related incident.
Product: Credit card or prepaid card

I opened a value city furniture account with synchrony bank back in XXXX of 2019. My credit limit was granted for {$3000.00} and my full purchase would of been higher then what I was approved for so I decided to just get the 2 sofas I needed and then pay down my account and purchase the living room table down the road. I have never missed a payment and never late, last week I logged in to purchase the table I wanted and noticed my limit was decreased {$500.00} which now I wasnt able to make the purchase and worst of all this effected my credit drastically!!!! Im down 20 points. I never received a letter or email in regards to this change and the only option Im given is to ask for a credit increase ( based on my credit ) which isnt fair as the decrease in rating will effect the increase and add another inquiry. How is this morally okay? Or why would you do this to a customer who makes sure to pay their payment on time every month
Product: Vehicle loan or lease

XXXXXXXX XXXX  denial for a new car purchase due to XXXX XXXX XXXX credit report of XXXX. 
I know for a fact that my credit report thru other reporting companies is above the 800 score. I have not contacted this company due to all the negative reports on this company, on different internet sites and I do not want to risk giving them any information about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed multiple disputes letter to XXXX, Transunion, XXXX, informing them that there is inaccurate information reporting on my credit report. All 3 bureaus refuse to remove the items I disputed. and send the dispute results back to me. It has been 6 months. I started sending letters XX/XX/2021 until now XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681b permissible purpose. I did not consent to, authorize, nor benefit from any of the following Chapter XXXX Bankruptcy. The court does not report Bankruptcies to the bureaus. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : XXXX - XX/XX/XXXX Chapter XXXX Bankruptcy - XX/XX/XXXX Chapter XXXX Bankruptcy - XX/XX/XXXX Chapter XXXX Bankruptcy - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account number XXXX. 
Has violated my rights 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 accounts without my written instructions. 
Account number XXXX has also violated my rights 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 accounts without my written instructions
Product: Mortgage

Freedom Mortgage reports my account as Delinquent to credit bureaus even after paying off my loan. They did this for 3 times and may repeat in future. My credit score falls by XXXX points each time they report. 

First time their system did not pull the right amount even though I was on Autopay and they reported it as missed payment. They accepted their mistake and corrected it. 
My loan was paid off on XX/XX/2023. But they still reported my account as deliquent for XX/XX/2023 and XX/XX/2023. 

Their customer service is not helpful.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was approved for a Disaster Forbearance Plan. However, I was subsequently denied the plan without sufficient notice. Due to ongoing postal service delays in the Southeast in spring 2024 that were investigated by the US Congress, I did not receive communications about the change until nearly two weeks later. 

Once I became aware that the plan was no longer valid, I promptly made the required payment. Despite this, my mortgage is being reported as 30 days late to the credit bureau. This reporting does not accurately reflect the circumstances, including the postal delays and my efforts to address the issue immediately upon learning about the change. 

I request that this late payment be removed from my credit report and that the company review its communication and reporting practices to ensure fairness, particularly during times of regional disruptions like the postal delays we experienced.
Product: Credit reporting or other personal consumer reports

Ive called and have written Equifax numerous times regarding the reporting of my personal information. The only response Im receiving are stall letters asking for personal identification that was already included in the letters that were sent ( See attached ) the letter was sent certified through XXXX  and it shows delivered. 

I havent been able to view my credit report with equifax since 2021 ( see attached ) XXXX, XXXX XXXX XXXX and XXXX have no history of my credit report with Equifax as they say something is reporting incorrectly. ( see attached ) Again, I have attached the required information so that this problem can be resolved. Please update my personal information using ONLY the provided information found on this letter.
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. 
Account name : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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

On XX/XX/XXXX I mailed out a dispute letter to all 3 bureaus after receiving my credit report I was shocked to see errors on my report. Then to my surprise the results of the investigation came back as verified. On XX/XX/XXXX I sent another letter asking them for the proof and AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to a HARD CREDIT CHECK done WITHOUT MY PERMISSION -- I ONLY ALLOWED A " SOFT '' CHECK FROM THE THREE CREDIT REPORTING BUREAUS, The complaint is against the company, AAG /reverse mortgages. 

When told that a credit check was required, I asked THREE TIMES if theis check would be a HARD check, and THREE TIMES, I was told NO nO. 

After allowing this check, I was contacted by XXXX and my score dropped IMMEDIATELY FROM XXXX TO XXXX, BASED ONLY ON THAT CHECK BY AAG. 

AAG says they have the 88 minute conversation on XX/XX/2019, where they were given permission to do a SOFT CREDIT CHECK. 

SEE ATTACHED RESPONSE FROM AAG, SENT XX/XX/2019 FOR THEIR RESPONSE TO ME, NOT TO THE CFPB. so I am filing a NEW COMPLAINT against AAG, for them simply to authorize the THREE credit reporting bureaus to DELETE that HARD check on XX/XX/2019 see the attached, 3 page letter of AAG 's RESPONSE, NOT SENT TO CFPB AS THEY REQUESTED. 

SEE ATTACHED 3 PAGE LETTER
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX ( a ) ( XXXX ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I had a mortgage with Guaranteed Rate who I paid off on XX/XX/2021. Guaranteed Rate sold my mortgage to JP Morgan Chase and sent them the payoff on XX/XX/2021. Chase is asking me why I am not paying my Mortgage I have explained and sent them the transfer paperwork from Guaranteed but they keep telling me to wait and call back. Chase calls me about 3 times a week about payment even though I have proven the payoff. It has come to a point that my credit is being threatened. I don't know what else to do. Guaranteed Rate will do nothing even though I told them that they were the company i was dealing with. They tell me that it is not their problem
Product: Credit reporting or other personal consumer reports

Portfolio Recovery ( {$XXXX} ) is unlawfully reporting derogatory information on my credit report without proper authorization. I have never authorized or signed any legal contracts or applications with debt agency, nor have I provided them with any other form of identification that would permit them to legally report this information. has failed to provide a copy of any wet signed applications t, which raises concerns about the legitimacy of their actions. I also have not given them the authority to access or report any information related to me pursuant to the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for such actions. Their failure to comply with these legal requirements has caused harm to my credit standing. I request that the CFPB investigate this matter and ensure that the derogatory information is removed from my credit report immediately.
Product: Debt collection

Citibank N.A. has previously attempted to collect an alleged debt through various collection agencies but has failed to provide supporting documentation, such as account statements or cardholder agreements, necessary to validate the debt. Without this documentation, I have been unable to determine the legitimacy of the claim or resolve the matter amicably. 

More recently, Citibank filed a lawsuit through the law firm XXXX XXXX XXXX, XXXX. Despite this legal action, there has been no direct communication or disclosure regarding the details of the alleged debt. The only correspondence I have received has come in the form of unsolicited mail from consumer protection attorneys, which has done little to clarify the issue. 

I believe Citibanks failure to provide proper documentation and its subsequent legal action demonstrate an attempt to pressure me into compliance rather than resolve the matter transparently and in good faith. I am submitting this complaint to request that Citibank be required to provide the necessary documentation and work toward a fair resolution of this matter.
Product: Mortgage

Obtained refi from PHH mortgage on a mortgage PHH already owned and serviced for a rental property I won. Despite already servicing it, and knowing it was a rental, PHH sent first payment coupons to the rental address ( they had and knew my actual mailing address ) and then only 6 weeks later forwarded the coupons and claimed " my address had changed ''. See attached. my address has not changed. Not sure if this is part of scheme to defraud customers by having them make late payments but it is gross negligence and incompetence.
Product: Credit reporting or other personal consumer reports

I have wriiten several letters to XXXX, XXXX, XXXX and equifax to have public records removed and deleted from my personal credit file. The most recent letter sent was in XX/XX/year>. It has since been 30 days and l have not gotten a response. All ( XXXX ) credit bureaus fail to properly investigate my situation. I have contacted the XXXX Bankruptcy XXXX who have stated that they do not report to any credit bureau. I have uploaded a copy of the letter sent from the courts. Which l have also sent to all ( XXXX ) credit bureaus and XXXX XXXX on several occasions.Therefore the info in my credit file is inaccurate and do not comply with the FCRA 611 ( 15 U.S.C 1681 ) should be removed and deleted immediately.