23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Dear PENNYMAC, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the XXXX  Credit Reporting Act. 

It has unequivocally come to my attention that PENNYMAC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX  state law provides specific protections for consumers regarding credit reporting. [ Insert specific XXXX  statute citations if known ]. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for PENNYMAC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that PENNYMAC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the XXXX Credit Reporting Act. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and XXXX  state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit card or prepaid card

Attached is a letter that I received from XXXX XXXX. This is an Alias Name used by Elan Financial Services, I guess so that their customers do not know the company that they are dealaing with.

This letter states that my account was closed because of the number of late payments over the last 12 months. This account was set up on automatic payment and there was never a late payment. I wrote to the company and requested the dates when payment was late and they responded by telling me that it would cost money to get that information. This is totally inappropraite. If the company wants to spread miss-imformaton, they should provide the proof of the information. 

In the attached letter they also say something about the high cash balance. There was never a cash balance on this card. 

I have not clue what they mean by number of months since the account was opened. The account was opened about 5 years ago and was automatically paid every month. 

The last comment in the attached letter is Number of Delinquencies in the past 6 months. As discussed above, the account was set up on automatic payment and there was never a late payment. 

I respectfully request that Elan Financial Services provide data to support their statements including date payment was due and date payment was received for each incident where they are claiming that the payment was late Kindest personal regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The bank from which I took out this card was notified numerous times that I had relocatred from XXXX to XXXX XXXX. The Bank and not Elan Financial services is what shows on the statement and virtually all of the correspondence received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank has my name listed incorrect on my account ending in XXXX. I have attached supporting documentation to support my request to update the name on my account.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Credit Information and Request for Immediate Rectification XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Connecticut XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX | XXXX Addressed To : XXXX, XXXX, and TransUnion Credit Reporting Agencies I am writing to express my deep concern and frustration regarding the failure of your organization to update my credit files for an unprecedented XXXX months. This inaction has caused me significant financial losses and challenges, particularly when attempting to purchase a house with XXXX XXXX. Due to the outdated credit information, I have been unable to accurately access my credit reports from all three bureaus, leading to numerous difficulties in managing my finances. I have been in regular contact with each of your organizations, XXXX, XXXX, and TransUnion Credit Reporting Agencies only to be met with uncooperative offshore agents who hung up on me and redirected me to automated systems. I am extremely dissatisfied with the lack of progress and resolution. I demand that your organization immediately rectify this situation by updating my credit files within the next 14 days. Failure to do so will necessitate legal action, which I am prepared to pursue. I expect a prompt response and resolution to this dispute. I have attached a copy of my identification and proof of address for your reference. Please confirm receipt of this letter and provide a detailed plan of action to rectify this situation. 

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

Brclysbankde   XXXX , DE  XXXX  (  XXXX  )  XXXX  I have called and told them that someone tried to open an account in my name and they refuse to let me talk to the department that would take this off my credit report. I have never applied for this place. I am not even sure what it goes to. OPPlease take this off all my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an items on the report that is inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. I did not Authorize this Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving notices of dark web activity from my Experian Credit Monitoring Application since XXXX of XXXX, notifying me of Personal Identifiable Information being circulated. I initially didn't act as I was refinancing my home and didn't notice the fraudulent entries. Shortly after, I saw a significant drop in my credit score and multiple entries ( inquiries ) on my report. My wife and I hired XXXX XXXX to repair and prepare our accounts for the refinance ; they removed some entries, leaving others to carry-over ; Experian refused to remove any inquiries. Around XXXX of XXXX, I started receiving new Dark Web activity notices and further data breaches that directly affected my wife and me. I started seeing new inquiries and disputed all of these inquiries online immediately. This run resulted in all three bureaus refusing to remove any inquiries. I then noticed two " new bank account opened '' alerts for XXXX XXXX  and XXXX XXXX XXXX, I didn't open any new bank accounts, so I call XXXX XXXX  and XXXX XXXX XXXX to confirm. The banks confirmed that new accounts were opened in my name but provided no additional information. I called the Police non-emergency number for assistance, and an officer was dispatched to my home. He tried to gather more intel regarding identity theft, but the banks refused to provide additional information. After receiving no data from the banks and no help from the credit bureaus, I filed a report with the United States Postal Inspection Service, locked our XXXX  Reports, placed fraud alerts on all three bureaus, placed a freeze on XXXX, XXXX, and XXXX, and filed a report with the FDIC. Once we completed the preceding tasks, my wife and I drove down to the Police Station and filed a formal Police Report to document the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate reporting by credit reporting agencies, which has led to denials of my applications for both home loans and credit cards. I have taken multiple steps to address the inaccuracies, including disputing the information, but the credit reporting agencies have consistently verified the disputed account without rectifying the errors. 

Specifically, I have encountered discrepancies concerning an account labeled as " XXXX XXXX XXXX at XXXX '' on both TransUnion and XXXX credit reports. Despite my repeated attempts to rectify the situation, the reported account information remains inconsistent across these bureaus. 

I have disputed the accuracy of this account multiple times and provided evidence to support my claims. However, to my dismay, both TransUnion and XXXX have responded by stating that the information has been verified and is deemed to meet the guidelines set forth by the Fair Credit Reporting Act ( FCRA ). 

One of the significant issues is the inconsistency in the " date opened '' field for this account. This inconsistency is not only misleading but also affects the accuracy of my credit history. Furthermore, I have noticed that the debt associated with this account is not being reported consistently across all three major credit bureaus, which further adds to the confusion and inaccuracies in my credit profile. Also the " date closed '' field does not display a date which is illegal according to FCRA guidelines. 

The inaccurate reporting of this account has had significant repercussions on my financial well-being. I have been denied home loan applications and credit card approvals due to the negative impact these inaccuracies have had on my creditworthiness. This situation has caused me immense stress and frustration, as I believe that my creditworthiness is being unfairly compromised by inaccurate information. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter to ensure that the credit reporting agencies address these discrepancies appropriately. I urge you to investigate the inconsistencies surrounding the " XXXX XXXX XXXX  at XXXX '' account and ensure that the credit reporting agencies uphold their responsibility to report accurate and consistent information. 

I appreciate your attention to this matter and your commitment to protecting consumers ' rights. I hope that through your intervention, the inaccuracies in my credit reports can be rectified promptly, enabling me to pursue my financial goals without unjust hindrances. 

Thank you for your time and consideration. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax let someone steal my SSN, address, name, and other personal information.
Product: Debt collection

I had informed CBE with each call that the person who they were calling was not at that number but they failed to update their records. The calls were approximately once a week and very disruptive. Their auto-dialing tactics should be prevented from these harassing phone calls when they have incorrect information.
Product: Mortgage

I requested PMI removal from my mortgage account. Newrez requested a BPO evaluation to process the assessment. I consented to BPO and paid the required fee. BPO evaluation was completed and uploaded to my Newrez account XX/XX/XXXX and reflected an appraisal value that yielded 77 % LTV ratio. Newrez states the minimum LTV to remove PMI is 80 %- which this BPO supports. In XX/XX/XXXX, I received a letter from Newrez stating the request was denied, citing the LTV was not adequate. This conflicts with Newrez 's stated standard LTV requirement of 80 % - again my current LTV ( now 76 % ) exceeds this requirement. I requested, in writing multiple times, that the request be re-evaluated and have not received any communication back as of XX/XX/XXXX.
Product: Mortgage

We locked in a very good interest rate and the refinance of our loan was dependent on the appraisal. We 've have three prior appraisals in the last XXXX and prices where we live in XXXX XXXX have only gone up. Our realtor tells us inventory is still really low. Chase 's appraiser came back with a value that is the same as our current mortgage and XXXX % lower than our prior 3 appraisals. There were several mistakes in the appraisal and recent comps were excluded that are higher in price. One of which was only XXXX months ago. At the same time interest rates have gone up and that rate is n't available at other lenders now. Chase may have backed out of our loan because of higher rates, which is unethical.
Product: Checking or savings account

Since Friday, XX/XX/year>, I have been unable to access my Mercury Technologies , Inc. account. The company has blocked my access without any prior notice or justification. When I contacted their customer support, they informed me that my account required additional verification and requested documents that I do not have. 

This issue has caused severe financial harm. All my payments due on the XXXX are now late, including vendor payments and bills. Due to Mercury 's actions, I have been unable to pay my obligations on time, risking penalties, late fees, and damage to my business relationships. Despite multiple attempts to resolve the issue, I have received no reasonable alternative from Mercury to verify my account and regain access. The companys lack of communication and rigid policies have left me in a vulnerable financial position.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised TransUnion on several occasions that the information being reported on my credit file is inaccurate and may be a result in an error and/or identity theft. The following address ( es ) do not belong to me XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account does not belong to me, the XXXX ( XXXX XXXX XXXX XXXX account does not belong to me, the XXXX XXXX XXXX ( XXXX  in XXXX XXXX ) account does not belong to me. TransUnion has yet to prove how they received this inaccurate information and have not corrected the information following my proof that the information is inaccurate. Please help me get this matter resolved.
Product: Credit reporting or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMER OUS LETTERS INFORMING THERE IS INACCURATE, ERROENOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " DELETE '' THE ACCOUNT Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX ....
Product: Mortgage

SPSERVICING is charging {$15.00} fees when making payment online on there website, that was never happen before. I thinks thats a lot. It's should {$5.00} or free. My income is less and its seems a lot. I there any rules how much a motortage company should charge a fee when making a-payment online on there website.
Product: Credit reporting, credit repair services, or other personal consumer reports

MR XXXX XXXX brother brother dont play your XXXX little games with me brother you know that youre in full violation of the FDCPA the law REQ you to enter the next companies information on the credit report you have failed to do your job and most importantly youre violation a federal law. I really dont care where the debt is at this point after doing my own investigates I found that you violated a federal law and you have to remove it I know you keep saying you wont remove it and Im telling you that you have to due to the violation and brother brother I wont stop until you do remove it because I can legally take legal action if you dont so cut the youre rift raft out and remove the tradeline today. 
XXXX Experian XXXX I Delete this tradeline due to the fact that XXXX is has violated FDCPA for failure to not the account as transferred sold and or place also this is a FCRA violation as well remove the account immediately and send me a updated credit report showing the changes thank you!
Product: Credit reporting

Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE. SSN : Dear XXXX : I am a victim of identity theft. Accounts have been established in my name since I was XXXX years of age. I 'm uncertain if my number was issued to someone other than me. The information which appears on my credit report is not my debt. I have n't been able to use my credit because now that I 've become of age negative accounts appear. I was told because it 's in my name and the only way it can be removed is I have to pay it. I have tried to pay them off but I simply ca n't afford it. It 's not fair. I have since contacted a credit counselor who told me there are laws to help me. I have notified the creditor and Equifax and they failed to remove the accounts. Upon seeking employment, I was denied due to the negative credit report. I have filed a police report, please find attached. XXXX XXXX Police Department has advised me to contact the social security administration, all bureaus and govern entities. 
The items that should be blocked or deleted are : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX and Account Number ( XXXX ) : XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection of XXXX XXXX I am requesting you block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have given notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report. 
A copy of my Identity Theft Report and Proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
XXXX Filed Complaint
Product: Debt collection

RSH & Associates is not showing date of last activity with the credit grantor. I know this is more than two years old because I have not had any medical issues within the last two year.
Product: Debt collection

Ive previously submitted a complaint with this company about it being on my credit report and the information being inaccurate. In their response they stated that they no longer owned the account # XXXX and the original creditor was not reporting the account to the credit bureaus anymore. Ive disputed on credit karma and P & B Capital Group responded to XXXX XXXX that the information they provided was correct and it was not removed from my report. You can see P & B Capital Group state in the complaint # XXXX that the account # XXXX I spoke of is no longer being reported. I disputed the account through XXXX XXXX on XX/XX/2024. So after I submitted the complaint with you all and they stated the above they still gave inaccurate information to XXXX XXXX.
Product: Mortgage

I have a loan with CitiMortgage that I 'm trying to get modified. 
On XXXX, XXXX, 2016 CitiMortgage sent me a letter stating that my loan was being reviewed for modification and a request of document listed. 
CitiMortgage currently has a sale date of my home for XXXX XXXX, 2016. They will not cancel or postpone the auction for me while they are reviewing documents. I believe this is dual tracking as they can sell my home while I am being reviewed for a modification by the underwriter.
Product: Student loan

My student loan was through XXXX. At some point servicing was transferred to American Education Services XXXX AES ). I have never received a statement or bill for payment from AES. Approx 4 weeks ago, my wife as co-signer received a letter from AES indicating payment on the loan was past due. On that letter my name was listed but the address for me was in XXXX. I live in XXXX. I have never been to XXXX nor do I have any association with anyone in XXXX. AES was contacted. I was told that the information they had received from XXXX was incorrect and they had been sending my statements to the XXXX address. I was told everything would be fixed. Within approximately one week, I received a letter from AES indicating my loan was in deferment. On XXXX/XXXX/15, I received a letter from a collection agency " XXXX XXXX '' indicating that I had failed to make payments and the loan was at risk of charge off. I contacted XXXX and was told that my loan was 99 days overdue with charges accruing. I have never received a statement from AES indicating payment was due. In my phone conversation with AES approx 3-4 weeks ago, I was never informed there was a problem with payment. The letter sent to my wife indicating the payment was overdue was based on a loan associated with the individual in XXXX with a different social security number and address. Since the loan is showing past due it has affected my credit score as AES reported 30, 60, and 90 day lates.
Product: Debt collection

on XX/XX/XXXX, I ( XXXX XXXX ) contacted, Contract Callers, Inc, Ref ; XXXX regarding an account appearing on all 3 credit reports that does not below to me. The original creditor XXXX XXXX XXXX XXXX XXXX XXXX company account # XXXX, was opened by someone using my information, while I was incarcerated. They said this information will be removed. 

On XX/XX/XXXX, I check my reports again only to find that this information from Contract Callers, Inc., is still appearing on my credit reports so I call again today, XX/XX/XXXX and was told this account is closed and was sent to the credit bureaus in XX/XX/XXXX. I do not believe this because, once this information is updated I receive emails from the bureaus and never received any information regarding this alleged update or removal of inaccurate information. 

Thank you XXXX XXXX
Product: Debt collection

Please be advised that XXXX XXXX ( XXXX ) of Delta Management Associates is constantly conducting harassing phone calls to my cell phone, my immediate family members and my distant relatives. 

XXXX and Delta Management even sent a text to my cell phone from a XXXX ( whom I do not know ) of XXXX indicating that she and I are longtime lost friends and XXXX just happened to call her in an attempt to make contact. 

I have respectfully requested that Delta Management Associates CEASE AND DESIST, the Harassing Calls, Immediately. 

Delta Management XXXX XXXX XXXX - XXXX XXXX ( XXXX XXXXXXXX XXXX ) XXXX Ma. XXXX