23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing to express my disappointment and frustration with the recent handling of my mortgage account with PennyMac. As a loyal customer, I expected better support during a challenging time, yet I find myself struggling due to unforeseen circumstances regarding my home expenses. 

Unfortunately, unexpected and uninsured house expenses happened, placing a significant strain on my finances in XX/XX/2024. These expenses were beyond my control and have made it difficult for me to meet my monthly mortgage payments in full which forced me to borrow money to avoid a late payment in my credit report. In light of these circumstances, I reached out to the company seeking assistance through a temporary loan modification to alleviate some of the financial burden temporarily. 

However, I was disheartened to learn that my request for a temporary loan modification was denied. Despite providing A LOT of documentation and explanations of the situation, I received no empathy or understanding from your representatives. This lack of assistance has left me feeling abandoned and unsupported during a time when I needed help the most. 

I urge them to reconsider my request for a temporary loan modification or explore other options that may be available to provide relief. I remain committed to fulfilling my obligations and restoring my account to good standing once I am able to overcome these unexpected challenges. 

I trust that you will review my situation with compassion and understanding, and I look forward to a prompt and positive resolution to this matter. 

Thank you for your attention to this urgent issue.
Product: Checking or savings account

1. I received a letter on XX/XX/XXXX from U.S.Bank dated XX/XX/XXXX, it said they will close my account on XX/XX/XXXX ( see attachment ). On the same day ( XXXX ), I received another letter from XXXX XXXX XXXX ( see attachment ). They said my check ( # XXXX, date XX/XX/XXXX ) was returned on XX/XX/XXXX, return reason is NO ACCOUNT. Court charged me {$35.00} extra for service. In order to prevent further penalty, I drove to court to pay by cash $ XXXX original {$85.00} + {$35.00} returned check service fee. I called U.S.Bank XXXX on XX/XX/XXXX, they said my account was closed on XX/XX/XXXX in their system and do not know why I received a letter stating that closing date XX/XX/XXXX. And they refused to pay the {$35.00}. I went to U.S.Bank branch ( XXXX XXXX XXXX XXXX, XXXX. OHXXXX  ) in the afternoon of XX/XX/XXXX to show both letters to banker and manager. The manager said she does not know what happened and can not help.

2. I still have several thousand dollars in my personal account, but they deleted my checking and savings account information in the online banking ( see attachment ). So I can not use my money to pay my credit card. Is this legal to delete customer 's account information without notice? How am I to pay tax? 
3. This is not the only incident and don't know if they are connected. several days prior we were denied a SECOND PPP loan on the grounds we have no history with this same institution ( first was through same bank ). We have business with this bank going back 10 years. The letter that informed us of this was not on blue and red US Bank letterhead, it was a copy ... very wrong. We would like to find out weather or not someone has done this as part of a " Cancel Culture discrimination against XXXX or XXXX XXXX XXXX or XXXX XXXX ''.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
The XXXX Credit Bureaus are reporting inaccurate information on MRS BPO, LLC.. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit card or prepaid card

XX/XX/XXXX I reported unauthorized charges of {$470.00} No Ajustment Purchases/Temporary Credits ever applied No Permanet Credits from USAA ( see XX/XX/XXXX statement ) ARE THESE FALSE STATEMENTS? OR IS LETTER OF XX/XX/XXXX FALSE STATEMENTS ( * BOTH CAN NOT BE CORRECT ) Other Credits were from merchants for {$340.00} XX/XX/XXXX Returned Items refunded by merchants days after purchase was made These appear a new charge. a second time XX/XX/XXXX I reported the XXXX new purchase charges XX/XX/XXXX unauthorized There are NO USAA {$470.00} CREDITS in XX/XX/XXXX ( see statement ) or any months following Kindly Note the XX/XX/XXXX Credit Card Fraud Claim date XX/XX/XXXX {$470.00} USAA says the CREDITS WERE APPLIED AT BEGINNING OF FRAUD INVESTIGATION. which is XX/XX/XXXX Why are there No USAA Adjustment Purchases/temp credits or USAA permanet Credits XX/XX/XXXX or XXXX XXXX? No Temporary ones or permanet XXXX, XXXX none yet XX/XX/XXXX I reported unauthorized charges XX/XX/XXXX of {$810.00} ALL XX/XX/XXXX CHARGES APPEARRED FOR THE SECOND TIME even returned items Kindly Note Fraud Reported XX/XX/XXXX NO RESOLVE. ( USAA letter dated XX/XX/XXXX TOOK 2 years TO INVESTIGATE FRAUD and Investigation not in my favor. XX/XX/XXXX all fraud charges are credit reversals when no credit given WHY DID IT TAKE USAA A YEAR TO BE AWARE OF FRAUD? WHY HAS IT NOT BEEN RESOLVED YET? after 2 years why put back on card as new purchases Please explain in detail paperwork How USAA temporary vs permanet credits policy works on statements HOW IS MEMBER ABLE TO VIEW ( ON STATEMENTS ) what temporary credits have been made permanet Please also explain ADJUSTMENT PURCHASES when do they actually apply to my account to be able to decide there are in fact TWO CREDITS APPLIED TO BALANCE to allow all the credit reversals. If temporary credits do not apply then THERE WERE NO TWO CREDITS ONLY ONE CREDIT PER PURCHASE XX/XX/XXXX There are {$2600.00} Other Credits ONLY {$910.00} APPLIED STATEMENT XX/XX/XXXX STATES TOTAL CREDITS APPLIED {$910.00} USAA EXPECTS ME TO BELIEVE ALL {$2.00}, XXXX CREDITS APPLIED AGAINST BALANCE I SAY SHOW ME MATHMATICALLY WHEN EACH WAS APPLIED OFF MY BALANCE ALL OF THE USAA CREDITS TURN INTO NEW CHARGES THE ( VERY SAME DAY OF CREDIT ) YOU CAN NOT TAKE BACK WHAT WAS NOT APPILED GIVEN OFF BALANCE OR IS STATEMENT XX/XX/XXXX FALSE IN SAYING TOTAL CREDITS THIS PERIOD {$910.00} DOES TOTAL MEAN TOTAL? Or What?????
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. 
here are the accounts that need verification : 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

Consumer Name : [ XXXX XXXX XXXX ] Consumer DOB : XXXX XXXX ] Consumer SSN : [ XXXX ] This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXXXXXX {$490.00} XXXX XXXX {$8800.00} XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXXXXXX {$430.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$280.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I called Equifax and disputed the account back in XXXX of XX/XX/XXXX. Equifax deleted the fraudulent account after they did their investigation. XXXX months later XX/XX/2024 the same account reappeared back onto my credit profile. When I asked Equifax, how was this company allowed to submit this back onto my account when Equifax did an investigation and determined that the account was fraudulently on my account. After requesting the file disclosure per FCRA. Equifax refused to send me any documentation and replied it's a business to business and the owner of the account can not request the information.
Product: Vehicle loan or lease

To my knowledge, I was never late on my Ford Motor Credit auto lease with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this lease since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have tried to even pay way before my due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  shows 3 paid off accounts at times as paid off satisfactorily ( correct ), and at times as closed delinquent ( incorrect )
Product: Mortgage

Freedom Mortgage purchased my mortgage loan from Mutual of XXXX in XXXX, I received notice in XXXX that I had a {$1400.00} Escrow refund, that I could apply to my XXXX mortgage payment. I processed the payment for XXXX, and then on XX/XX/XXXX, I called again to confirm payment was processed and to schedule auto draft payments for duration of loan term, which the representative confirmed over the phone. 

I called again on XXXX the XXXX to confirm and I was notified that they did not process the Escrow refund or my auto draft payment and that they has issued a late payment without notification. I IMMEDIATLY filed a formal complaint with Freedom Mortgage and they did not take my statement, they reworded everything I said and rejected my complaint. 

Ive worked EXTREMLY HARD over the past 10 years to build my credit and I to have a mortgage company lie and not accept responsibility for their failures is just wrong and unacceptable.
Product: Vehicle loan or lease

My vechile was repossessed by XXXX XXXX XXXX XXXX and the vechile has since been redeem. 
However the vechile has damages and their are fees associated with the towing process and additional fees has been added to my loan but since the discovery of damages to my vechile I have no intention of paying those fees nor any repairs to my vechile.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

There are a lot of UNAUTHORIZED and FRAUDULENT inquiries on my credit report ( XXXX XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am not the one who initiated these inquiries. I am submitting a complaint regarding this inquiries and for assistance to REMOVE them from my credit report immediately. 

These inquiries got tripled compared to my last credit report. Please don't close this complaint and mark is as a duplicated complaint because I need them to be removed badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX and I disputed some information on my credit report. My identity was used without my permission to open items with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and many other collections. I disputed this with the XXXX bureaus on XX/XX/XXXX and i received a response from TRANSUNION & XXXX saying I did not authorize this dispute.
Product: Debt collection

Portfolio Recovery is listed as having a debt in my name. I am requesting this company send me a full outline of charges made. I believe I am a victim of identity theft. I was sick with XXXX  XXXX XXXX XXXX and was taken advantage of while away receiving treatment. Please help me resolve this matter. Im a single mother with a XXXX XXXX child and the XXXX  of this account lingering over my head is really affecting me mentally.
Product: Credit card

I recently received an offer in the mail for XXXX XXXX credit card. A major feature of this card is to " Earn XXXX miles per {$1.00} spent on every purchase ''. Unfortunately, this is a false and deceptive statement. The brochure explains that I use the credit card to book a flight on my own, then go to their rewards center to redeem my miles, which will apply a credit for that flight. It turns out that a " mile credit '' does NOT result in a credit towards a flight mile. Instead, it is just a XXXX penny credit towards my flight purchase. These are very different things! For example, suppose I make {$100.00} in credit card charges and earn XXXX miles. If I then use my card to book a XXXX mile flight, say for {$50.00}, they will NOT credit my account for {$50.00} as directly implied in their brochure. Instead, they will only credit me for XXXX CENTS! 
Here is their description of the program. 
" Redeem for past travel purchases using Purchase Eraser. Simply book your travel through your favorite travel website, travel agent, or other travel resource using your No Hassle Rewards card. Then, go online at capitalone.com or call our Rewards Center to use our Purchase Eraser feature to redeem your miles and receive an account credit for the cost of your travel purchase. " The problem is that " redeem your miles '' should really say " redeem you pennies ''. The credit earned is NOT miles. The " miles '' redeemed will NOT cover the cost of a flight of that same number of miles.
Product: Debt collection

My social security number has been compromised. I am a victim of Identity Theft ORIGINALLY REPORTED and announced to all credit reporting bureaus as of XXXX. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following company CAPITAL ONE BANK USA N was notified in that I have not done business with them or opened an account. The account was removed and in XXXX a new account shows up as opened in XXXX. The following account does not belong to me and is a result of fraud that I did not authorize : CAPITAL ONE BANK USA N - not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  Account # XXXX, has violated my rights 1

5 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 cannont furnish a account without my written instructions 15 U.S.C 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: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the incorrect information provided by the company. Despite making payments, including XXXX on XX/XX/XXXX for {$25.00}, my account was reported as late. This is unacceptable and requires further investigation. Additionally, there was an issue with the XXXX holding my mail on XX/XX/XXXX. As a result, payments made on XX/XX/XXXX for {$180.00} and XX/XX/XXXX for {$180.00} were sent to the wrong credit card. Although I was informed that the issue was resolved and the payments were redirected to the correct account on XX/XX/XXXX, I kindly request a thorough investigation into this matter. Thank you for your attention to this issue. I appreciate your prompt response and resolution. I've sent XXXX attachments with the confirmation number please help me resolve this.
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 U.S.C 1681 section 602 A. States I have the right to Privacy 15 U.S.C 1681 section 604 A Section 2. states a Consumer reporting agency can not furnish a account without my written instruction. 

BELOW is all the accounts I need removed please ALSO please remove ALL HARD inquires I will list them here also. 

Account XXXX XXXX XXXXXXXX XXXX # XXXX Balance {$560.00} XXXX XXXX XXXXXXXX Balance {$14000.00} XXXX XXXX XXXX # XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Balance {$140.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block some accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
US DEPT OF EDXXXX XXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$82000.00} XXXX XXXX XXXX ... XXXX Balance : {$1200.00}
Product: Checking or savings account

On XXXX XXXX I contacted Chase bank about my payroll deposit.This is because Chase bank advertises that with my secure checking account, I would get paid two days early.Long story short, I argued and complained to my employer because Chase bank lied and said that my employer has not deposited anything into my account.I learned it was a lie because my employer sent me the form showing they had already delivered the pay to chase bank.any ways, my payday was supposed to be XX/XX/XXXX Chase Bank held my funds and I did not have access to my payroll check until Tuesday XX/XX/XXXX around XXXX XXXX Chase Bank policy advertises that Secure Checking accounts will have access to funds Two days before payday and they advertise that they will not place holds on Payroll direct deposits.Its payday again and everybody else 's with Direct deposit has funds already available.Again my money is not available
Product: Credit reporting or other personal consumer reports

Violations of the Fair Credit Reporting Act Experians actions constitute the following violations of the FCRA : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ) : XXXX is legally r

equired to investigate disputes within 30 days and ensure accuracy. Their failure to properly investigate and resolve the disputed inaccuracies violates this mandate. Failure to Notify Furnishers of Disputed Information ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : XXXX did not demonstrate that it notified the furnishers of the disputed information within the required five business days, as mandated by law.

Failure to Maintain Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : XXXX has a duty to ensure the maximum possible accuracy of credit report information. The continued reporting of inaccurate information demonstrates a breach of this obligation.

Failure to Provide Dispute Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : XXXX failed to provide me with a detailed explanation of the results of its investigation and did not furnish an updated credit report reflecting corrections.
Product: Vehicle loan or lease

Dear CFPB, In XXXX of 2021 I called GM finance and informed them because of covid I would be out of work for a few months. I informed GM for covid forbearance for my truck payment. And they informed me that there would not be late payments until I reached out again. During this time I was seriously struggling to feed my family because of a job layoff.

I would like GM finance to honor their word that they gave me. Their lack of action make me feel taken advantage of by GM finance as I have recently gotten out of the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX