23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Company name : PennyMac Loan Services LLC Problem : I closed out the loan with PennyMac in XXXX. Pennymac also pulled in the automated payment for month of XXXX. So, double interest was charged for month of XXXX. I have been trying to get a refund on the money since then to no avail. Following is the call history : XXXX XX/XX/XXXX - 28 mins - They can not find the records and need to check with people again to return the money. 
XX/XX/XXXX - 46 mins - Was told that there was a delay and the funds will clear in another week. 
XX/XX/XXXX - 22 mins - Was told the the funds will release in a week. 
XX/XX/XXXX - 24 mins - Was told that the funds will be released in 2 days XX/XX/XXXX - 46 mins - Agreed that the money was owed. 
XX/XX/XXXX - 11 mins - Said will call back as there seems to be an issue but never got a call back XX/XX/XXXX - 43 mins - Disagreed that double interest was charged XX/XX/XXXX - 18 mins - Disagreed that double interest was charged XX/XX/XXXX - 40 mins - Disagreed that double interest was charged XX/XX/XXXX - 20 mins - Disagreed that double interest was charged XX/XX/XXXX - 29 mins - Disagreed that double interest was charged XX/XX/XXXX - 22 mins Incoming : XX/XX/XXXX - 8 mins - Requested bank statement to for confirming the funds cleared from my account XX/XX/XXXX - 4 mins - Confirmed that funds will clear XX/XX/XXXX - 4 mins - Confirmed that funds will clear in another week. 
===================================================== I have tried my best in good faith to get the money back from PennyMac but to no avail. I went them to refund back my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, previously used Experian XXXX to help monitor and improve my personal credit report and score. This service is at a rate of $ XXXX and I had recently not paid for the service for XXXX. The debit card information that Experian had were cards that had been reported as lost or stolen and was no longer in my possession. Therefore, there were new credit and debit card numbers that I had NOT GIVEN to Experian. However, today XX/XX/2023 Experian charged my credit card ending in XXXX was charged for {$24.00} without my expressed written consent. As a federally protected consumer, this is a violation of my right to privacy and use of data! This is aggravated identity theft and I want to know how was this information obtained by Experian? Experian is liable under 15 USC 1692k.
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Ascendium Education Solutions ( Group ). A consumer transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges I was not expecting a bill.
Product: Debt collection

I have been fighting this for four years. I have never rented furniture with them and requested a contract with my signature in ink. They could not provide that information. I have disputed this many times with all the credit bureaus. I HAVE NOT MADE ANY AGREEMENT WITH SAID COMPANY OR THE DEBT COLLECTOR. This account need to be removed and deleted from my report or I will take legal action.It is stopping me from obtaining suitable living I have also sent them my ftcp report stating that my identity was stolen
Product: Debt collection

I XXXX XXXX received a letter from MRS on XX/XX/2020. The letter which will be attached show 2 violations of 15 USC 1692b. ( 5 ) and 15 USC 1692b. ( 2 ) which violated my rights as a consumer with the logo being present and also saying this was a attempt to collect a debt.
Product: Debt collection

My employer received a so called summons on paper work that was not sealed in a private envelope to keep my personal information private from other employees, this was Thursday XXXX/XXXX/15, then my pay check dated XXXX/XXXX/15 was garnished, stating voluntary deduction on my stub, I was never advised of anything, never received any type of judgement or court order. the payday loan company was Check City.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported ( Victorias Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX You have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting. ( Victorias Secret Angel Credit Card Account Ending In XXXX Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in XXXX vs. XXXX   XXXX XXXX XXXX ( XXXX. Cal.XX/XX/XXXX ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act.

CC : Consumer Financial Protection Bureau CC : Federal Trade Commission XXXX XXXX
Product: Credit card or prepaid card

I applied for Security protection on XX/XX/XXXX o with Synchrony Bank, PAYPAL Cards and credit line, oi=n the computer with an agent due to loss of employment. I upload all documents requested for two accounts. I received three different letters on XX/XX/XXXX and XX/XX/XXXX all requesting more information. All information was proved again with new applications as requested by email and finally USPS mail. I followed up by phone XX/XX/XXXX at XXXX XXXX  I was told there was hyet another note saying the application was not dated. This was false. I requested a review and supervisor. I was put on hold and was to pass through to XXXX who had reviewed the application. XXXX dropped me to her voice mail instead of talking to me. I left a detailed Voice mail and my number which they had, I went online to check the status and all my information was deleted and no longer on the system that showed all the uploads. I have letter showing the claim and copied of faxes and emails. I called today and they said I never filed a claim and I must be current to file. I advised I have not missed a payment, paid for the service and filed by upload on XX/XX/XXXX. He said I was not being truthful. I asked for a supervisor and was hung up on. I had provided all documents to the Office of the Insurance Commissioner who directed me to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Hard Inquiry from Syncb/amazon occurring on XX/XX/2020, on my XXXX  credit report. However, I never authorized this hard inquiry and it lowered my credit score. Thus, I want this hard inquiry removed and I'm interested in collecting {$1000.00} under the FDCPA for unauthorized hard inquires resulting in a damaged credit score.
Product: Credit card

My lawyer is trying to charge my credit card and the card can not be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX XXXX, I was identified as being compromised in recent security breach. Since that breach the following suddenly appeared on my XXXX credit report and affecting my credit score.

1 ) XXXX suddenly froze my credit file since breach for no reason. Credit file reads " Credit File Status File Blocked For Promotional Purposes ''. I never asked or requested my credit file to be frozen. I need help with removing this wrong credit file as blocked. 

2 ) XXXX reports says " payroll is payroll deductible '' which is an obsolete comment entry. Obsoloete since XXXX 2011. 

3 ) XXXX XXXX ( CLOSED ) - a ) reports as charge off in Comments 1 when it was sold to third party.

b ) Comments 2 reports : " payment is payroll deductible ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit with American Express. American Express has a gard credit inquiry listed in my name but I have never applied for cedit with this lendor. I ask that the issue is investigated and the item removed from my file.
Product: Mortgage

Hello, On  XXXX   XXXX ,   XXXX   I applied for a home equity loan threw  Pen Federal cr edit union.   the request was for  XXXX  at  3.75 p ercent and the length was 60 months. During the process, we had a dispute with our loan processor. I composed an email and requested and received another processor. In the email I stated I was worried that I would receive an unfair offer. She advised all my documents were in order and she would expedite the procedure since  6 weeks had gone by. I asked If they already ran my FICO  score and she replied yes. At this rate I had no option but to wait for the offer.     On  XXXX   XXXX ,   XXXX   I receive a written offer for  XXXX  for 180 months at  4.99  percent.   I refused immediately. My FICO score is  XXXX . I have  XXXX  house with  XXXX  remaining on the loan. I have assets that total more than request amount. My employment has been steady for last 20 years.     In the offer they stated I had too many credit inquires. I never missed a single payment on any creditor.  Pen Federals  website does n't even offer a term of 180 months. it is my belief they operate dishonest banking practices, classic bait and switch, and have discriminated against me for personal or age related reasons.     Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bank account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX and 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed 2 recent Inquiries on my credit report that I do not recognize nor did I give permission to run my credit. The first one says University XXXX XXXX on XX/XX/2019 and the other one says XXXX XXXX XXXX on XX/XX/2019. I tried to dispute these on the Transunion website but they did not have an option for that so I called the Transunion customer service and they would not allow me to dispute the fraudulent inquiries that I did not allow. They said I would have to get a letter from the companies which makes no sense to me. Please help.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance XXXX : {$47.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$3600.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX  was never late. I have had exceptional payment history XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made by the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/2024, XX/XX/2024 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 
XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the Disclosure from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit card

I had credit card with Chase bank a couple of years ago. My credit card was hacked and someone used it to buy air fares. When I realized about the hack, I immediately notified Chase about it. Unfortunately, Chase didn't investigate appropriately, and considered I was at fault Subsequently, I decided to close the account to prevent futher hack. 

As of XX/XX/2024, Chase still considers delinquency and reports it which has been causing my XXXX scores degrade significantly and causing me to pay for higher premiums for everything that requires running credit due to this delinquency. 

I have exceptional payments history with other creditors except this account with Chase which I did not make a purchase and I was timely notified Chase about the hack.
Product: Debt collection

On Saturday Morning XX/XX/2021, I returned a call from a local number. The entity that answered was Nelson Cruz and Assoc.. Obviously, they are using a call spoofing software program. They alleged I owed an old credit card debt of which I have no memory and even if this were true the statue of limitations has long since expired. I explained that even if the debt is valid I have no income other than Social Security XXXX. The representative then stated they " participate in a Federal program that will allow me to pay {$50.00} per month and then I can have the situation reevaluated in 6 months. '' Prior to my XXXX I was a banker for 20 years and know what is and is not allowed per The Fair Debt Collection Practices Act. I'm pretty confident the statement about a false Federal Government payment program falls in that category unless the Federal Gov't has indeed gotten into the credit card collection business which I highly doubt.
Product: Credit reporting or other personal consumer reports

My information was a part of the Equifax data breach and XXXX XXXX  data breach please see attachments below
Product: Checking or savings account

In mid XXXX my personal and business Chase credit cards stopped working while trying to get gas. After receiving no calls, texts or emails asking if " I was trying to use my card at a gas station '', I gave chase a call on the XXXX number provided on the back of the cards. I informed the customer service representative that I was trying to buy gas and my cards were being denied. The lady informed me that my accounts were closed, after a few minutes of arguing and insisting that my accounts were not closed, I realized that it was Chase that closed my accounts. When I asked the customer service representative why Chase would do such a thing since I had never been late on even one payment, she informed me she was unable to tell me. As a Chase Sapphire Reserve card holder and a Chase " Private Client '' ( heck even as a regular client ) that answer seemed highly unsatisfactory. I asked to speak with management or someone who could provide the answer. When I spoke to management they told me they WOULDN'T provide information as to why my accounts were being closed. They also informed me that it was not only my credit cards but my personal, savings, and business checking accounts were also being closed. This infuriated me as there seemed to be no reason for the closures, and if there was an explanation it was not going to be given to me. 

Again to be clear I have never bounced a check, been late on a payment, or had my account over draft ... not once. 

After many phone calls to customer service attempting to get an answer and receiving roughly the same information. Some stated that it was only my credit cards that were shut down, others stated it was all my accounts with Chase. It was even more confusing because my debit cards were still working. 

After visiting a branch yesterday to make a deposit I spoke with a manager at the location who confirmed I had until XX/XX/XXXX to withdraw funds and find a new bank or the remainder of the funds would be sent to me via check and the accounts closed by Chase permanently. ( Why was I never given notice when this decision was made weeks before? Why was I not given this information when contacting customer service via the XXXX  number? Why am I not being provided with the reason as to why my accounts are being closed? ) After speaking with my accountant, family and friends as to why this is happening, many asked if I made large cash deposits ( large is a relative term ). I make roughly {$10000.00} a month cash deposits currently to my business checking account from transactions made at my business. $ XXXX+ is made monthly by my credit card processing company " XXXX ''. That means my cash deposits equal roughly 5 % of my businesses volume. 

Two large deposits were made over the past 5 years, {$60000.00} and {$100000.00} both by XXXX XXXX XXXX ... the lending division of the well known multi XXXX dollar credit card processing company.
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 Account Number : XXXX - {$0.00} - XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX - {$0.00} - all3 Account Name : XXXX Account Number : XXXX - {$0.00} - XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( 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 of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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

i submitted a fax request for a good will removal of late payments on XX/XX/2022. 

i submitted with my documentation that i was in the middle of an XXXX  relationship and i provided court papers to prove this. no one ever reached back from this company with results. 

this was sent to the fax number listed on their credit dispute XXXX. 

no one ever contacted me back. i am requesting these late payments be removed.
Product: Credit reporting or other personal consumer reports

In my dispute, I requested that Factual Data thoroughly investigate the incorrect mortgage-related information reported on my credit file. I requested that they provide evidence or documentation showing that I had applied for or was associated with a mortgage. Since I have never applied for a mortgage and do not own a home, I requested that this inaccurate information be removed from my credit report. If no legitimate documentation or evidence can be provided, I requested the immediate removal of the entry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to reach out to you regarding somethings on my credit that is not mine. My son went to get him a car and needed a co signer. I really didnt want to do_ it at first but I know that my son just had a baby and a car is a need at this point. I went to co sign and got denied. At this point im confused on that especially being that I purchased at XXXX dollar car with no problem. I went home to look at my credit and I see things on there that ere not mine including address_es I have no idea about or who stays there. Please remove these acco_unts from my credit asap XXXX and XXXX XXXX XXXX. I also see where a recent bankruptcy was filed and i have never filed bankruputcy. I spoke with the XXXX XXXX people and they was not able to see anything and is sending me proof of this. These inquries are not mineXXXX XXXX XXXX XXXX/XXXX/XXXX XXXX  XXXX XXXX F XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was also advised to reach out to the FTC and my local police which I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing an account for XXXX XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX  to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX  deletion request off my credit report, the account is still showing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX  to confirm the information on the letter attached is accurate and still nothing. Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX-XXXX-XXXX who is the collections manager with XXXX. XXXX with XXXX   provided me with the letter attached approving the XXXX account to be deleted off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by Experian.I requested for an investigation because the account XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im TRYING TO BUY A HOUSE