23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like to formally seek proper guidance and assistance to secure that the information reporting on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you. 

XXXX XXXX XXXX XXXX  XXXX & XXXX - XXXX XXXX  XXXX
Product: Mortgage

RE : Civil No. XXXX ( 3 ). XXXX XXXX vs. XXXX XXXX RE : XXXX XXXX XXXX, DEBTOR CASE NO. XXXX COMPLAINT AGAINST XXXX XXXX./PENNYMAC LOAN SERVICING, LLC FOR VIOLATION OF AUTOMATIC STAY UNDER 11 U.S.C 362 ( j ) To : CFPB, FEDERAL TRADE COMMISSION , SECOND CIRCUIT COURT , COURT OF APPEALS , UNITED STATES BANKRUPTCY COURT , CENTRAL DISTRICT OF CALIFORNIA AND DEPARTMENT OF JUSTICE 1.XXXX XXXX./OR PENNYMAC LOAN SERVICING , LLC DID NOT MAKE ANY ATTEMPT TO STOP THE FORECLOSURE ACTION IN THE SECOND CIRCUIT COURT, STATE OF HAWAII Civil No. XXXX ( 3 ). XXXX XXXX ALSO DID NOT RESOLVED THE ISSUE OF THE COMMISSIONER, XXXX XXXX XXXX XXXX STOP HIM FROM COLLECTING RENT AT XXXX XXXX XXXX , XXXX , HI XXXX. 

2.DEBTOR RENTED COUPLE OF ROOM TO SUPPORT HIS MORTGAGE TO PENNYMAC AND PENNYMAC ACCEPTING PAYMENT MORTGAGE UNDER DEBTOR BANKRUPTCY PLAN, SINCEXX/XX/XXXX 

3.AS DEBTOR XXXX XXXX PAYING PENYMAC MORTGAGE, COMMISSIONER XXXX XXXX XXXX COLLECTING RENTAL INCOME OF THE DEBTOR, ONXX/XX/XXXXIN BEHALF OF XXXX XXXX OR PENNYMAC LOAN SERVICING, LLC, WHICH VIOLATES XXXX XXXX XXXXS AUTOMATIC STAY UNDER 11 U.S.C 362 ( j ) WITHOUT RESPECT TO DEBTOR OR FEDERAL BANKRUPTCY COURT.

4.ALL THE PROOF AND RECEIPT WILL BE SUBMITTED, AND DEBTOR IS GOING TO FILE CLASS ACTION AGAINST XXXX XXXX OR PENNYMAC LOAN SERVICING, LLC IF THIS ISSUE OF FORECLOSURE IS NOT GOING TO BE RESOLVED. 

5. XXXX XXXX OR PENNYMAC LOAN SERVICING, HAS THE RIGHT TO STOP THE FORECLOSURE ACTION THE SECOND CIRCUIT COURT STATE OF HAWAII TO AVOID LEGAL ACTION AND TO CEASE XXXX XXXX XXXX FROM COLLECTING INCOME RENTAL OF DEBTOR. 

6. XXXX XXXX XXXX, COMMISSIONER IS COLLECTING IN BEHALF OF XXXX XXXX OR PENNYMAC LOAN SERVICING, LLC WHILE DEBTOR XXXX XXXX IS IN BANKRUPTCY Case No. XXXX FILED ON XX/XX/XXXXAND DEBTOR 'S AUTOMATIC STAY WAS STILL IN EFFECT ON MONTH OF XXXX. THIS CASE IS DAMAGING DEBTOR 'S FINANCIAL AND HEALTH ISSUES. 

Attached is Exhibit A, the proof of collection of Commissioner, XXXX XXXX, in behalf of XXXX, XXXX/Pennymac Mortgage Servicing, LLC XXXX UNDER PENALTY OF PERJURY DEBTOR XXXX XXXX IS TRUE AND CORRECT TO THE BEST OF MY KNOWLEDGE. 


Sincerely Yours, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX , XXXX XXXX , CA XXXX XXXX. XXXX XXXX XXXX, HI XXXX
Product: Checking or savings account

My debit card was duplicated or had the number stolen. I live in SC, it was used for three purchases and one decline in North Carolinawhere I do not live. On XX/XX/XXXX there was a Transaction at an XXXX  gas station in XXXXXXXX NC for XXXX. Another purchase on the same day for XXXX at a XXXX XXXX XXXX in XXXXXXXX NC. Another purchase on the same day for XXXX at XXXXXXXX XXXX in XXXXXXXX NC. On that same day, another purchase was made for XXXX, but it was declined for insufficient funds. Wells Fargo sent me an email about the decline and I immediately called to report fraud and cancel my card. In the meantime, I contacted the restaurant in North Carolina and spoke to the owner. She emailed me the copies of the receipts where the merchant name, which should be my name, did not appear. She informed me This typically happens when a card number is stolen and was duplicated. She contacted the waitress and got a full description of the people that sat at the table and used my card. We arent the same XXXX or XXXX The manager contacted me to tell me that the people using my card ordered a bottle of XXXX XXXX XXXX for around XXXX and tried to use my card for a bottle of XXXXXXXX XXXX when it was declined. She also emailed me the receipt of how they paid when my card declined. Clearly another fraudulent card with no name for merchant. The restaurant has video surveillance of the the people who used my card. Wells Fargo has denied my claim of fraud TWICE and states my PIN number was used. My account history clearly shows that a pin was NEVER used. It is a clear case of fraud, but Wells Fargo will not handle it and my calls are not being taken. I have proof of my whereabouts in XXXXXXXX SC when these purchases were made in another state. I have XXXX  children to support and I depend on this money to live.
Product: Payday loan, title loan, or personal loan

I met with the Vice President of M & T Bank at XXXX XX/XX/XXXX who is recommended by the Advisor of Maryland XXXX XXXX XXXX to get some business loans to start up my business. But I was told that I cant get the loan because my business had no sales and no income before. 
My business is a XXXX XXXX XXXX XXXX to solve the issues of XXXX XXXX XXXX XXXX XXXX which are granted patents in the USA, XXXX, XXXX and pending in XXXX, XXXX, XXXX and XXXX. 
I have also met the Director of The XXXX XXXX XXXX XXXX on XX/XX/XXXX after the XXXX evaluated my invention XXXX  and was told the XXXX will support me. 
It took many years and lots of money to develop and patent my business project and now is almost ready for manufacturing and marketing because I have developed worked prototypes successfully. 
But the Bank refused to give me a loan.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX  helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXXXXXX 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 XXXXXX/XX/year>
Product: Consumer Loan

On XXXX/XXXX/XXXX, I opened a 15 yr boat installment loan, with XXXX XXXX XXXX. Fifth Third bank took over this loan in XX/XX/XXXX. The final installment was due on XXXX/XXXX/XXXX, and was paid. We then received an additional bill for {$5300.00} on this same loan. We have gone to the bank loan officer three times to no avail for an explanation, other than the charge is for additional interest for being late during the course of the loan. Whenever late, we paid a late charge. Fifth third can not explain how they came up with this figure, nor does the original agreement show anything. I just received a new bill, showing a late charge of {$210.00} on top of the {$5300.00}. The bank calls me 3X a day and yet no one will explain these additional charges. I am being harassed, insulted and annoyed. Please help me get this nightmare cleared up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending numerous letters to the Credit Bureaus and yet they have kept ignoring the letters I sent! I am frustrated by this action done by the Credit Bureaus and I am inclined to pursue legal action against the Credit Bureaus. I have read that the Credit Bureaus are required to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 650b. The last letter I sent to the Credit Credit Bureaus was XX/XX/XXXX with complete attachments such as my driver 's license and the ID THEFT REPORT I received from the FTC which are the requirements of the FCRA Section 605b. Despite all my efforts to correct my Credit Report, the Credit Bureaus have grew negligent of their duty to comply with the FCRA regulations and have kept ignoring my letters which is a clear violation of the FCRA statute. I need the following items removed at the earliest possible time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX FM XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$290.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} XXXX XXXX XXXXXX/XX/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: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed there is some unauthorized and inaccurate accounts on my credit report. ( XXXX XXXX ) is removed off my XXXX report but still reporting the inaccuracies on my XXXX and Experian report. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. FCRA section 605b Law 15 U.S.C 15 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

TITLE 15. COMMERCE AND TRADE 6802. Obligations with respect to disclosures of personal information, 15 USCS 6802 ( a ) Notice requirements. Except as otherwise provided in this subtitle, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 503 [ 15 USCS 6803 ].

( b ) Opt out.

( 1 ) In general. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 504 [ 15 USCS 6804 ], that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise ... Account : ( XXXX XXXX ) Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I should not have to be doing this complaint if the credit bureau were doing their job. Back in XXXX XXXX XXXX I filed dispute with XXXX XXXX XXXX Equifax. There are things on my reports that are not correct and I want them corrected. This should not take this long to do that. Attached is the first disputes I submitted
Product: Debt collection

midland funding has two judgements against me and in XXXX by phone they said the first one was paid and knowing I could not afford 3 payments a month, I worked out a payment plan in XXXX for the second one for {$97.00}. my credit report in XXXX reflected I owed midland {$9.00} for the first one. In XXXX midland stopped garnishing me for the first one. Then in XXXX, midland has garnished me twice for {$100.00} each, for the first one. My employer can't stop them for taking money from me even though the garnishment should have been paid off already. I don't know what to do. I can not afford to pay midland {$330.00} a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my authorization and permissible purpose my consumer report was accessed for promotional purposes without my knowledge by UPSTART NETWORK INC located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have sent a communication to the responsible party which I will be attaching to this complaint.
Product: Credit card or prepaid card

XX/XX/XXXX Formal Complaint : CHASE BANK XXXX HANDLING AND RESPONSES TO THE CONCERN WERE INSUFFICIENT AND OTHER PROCESSING ERRORS NEED TO BE ADDRESSED On the two nights of XX/XX/XXXX and XXXX, XXXX, we stayed at a hotel, XXXX XXXX, located at XXXX XXXX XXXX in XXXX VA. The rate confirmed upon booking several weeks prior was {$79.00} per night. We authorized a charge of {$150.00} for the two nights upon checking out. However, two transactions charged to our card XX/XX/XXXX : one for the proper {$150.00}, and an additional charge for {$79.00}. We contacted the XXXX XXXX regarding the erroneous {$79.00}. The hotel manager, XXXX, searched his records thoroughly, and advised the hotel only charged the card once, for {$150.00}. XXXX assured us there was no record of the additional {$79.00} being charged to us at the hotel, and without a transaction to reverse on his hotels systems, that our only option is contact the credit card company for resolution. The two nights of XX/XX/XXXX and XXXX, XXXX, were our only visit to XXXX to this day. 

We then contacted Chase Bank in an attempt to resolve this concern. We were advised the improper {$79.00} charge would be immediately credited back to the account during the investigation. However, a credit was never applied to the account from Chase Bank. We were told we would receive a call within a few days after initially presenting this concern. We received a voicemail several weeks later while at a dentist, and we returned the call and left a message to call us back, but never received another call back. We then received the included letter dated XX/XX/XXXX, from Fraud Department, stating we received benefit from the transaction, which the letter indicates occurred in XXXX, for {$79.00}. To make things worse, Chase then charged our card {$79.00} again XX/XX/XXXX, as shown on the statement, with a Purchase dated XX/XX/XXXX likely a processing error attempting to offset a credit we were promised in XXXX but never received as shown on the included Statements. 

Upon receiving the XX/XX/XXXX letter, we again contacted Chase Bank to resolve the concern of the now XXXX erroneous {$79.00} charges. However, Chase provided no resolution in the response from XXXX XXXX XXXX dated XX/XX/XXXX, included with this complaint. Instead, the letter just says their latest review confirms the previous findings. 

Enclosures : XX/XX/XXXX Statement showing the authorized and disputed charges XX/XX/XXXX Statement XX/XX/XXXX Statement XX/XX/XXXX Statement showing the additional erroneous charge XXXX  XXXX Receipt Chase Response # 1 dated XX/XX/XXXX Chase Response # 2 dated XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Enhanced Recovery Company shows on my credit reports with original creditor XXXX XXXX XXXX  opened XX/XX/2016in amount of {$510.00} While I recognize XXXX XXXX XXXX  I have no knowledge of Enhanced have never had any business with this company. Have never received any communication from either in regards to this alleged debt. The last 4-5 years I have been on someone else 's account with XXXX and XXXX. This is either a mistake or fraud and from all the complaints on XXXX XXXX, # 3 most complaints on CFPB 252 % increase in complaints from one year to next average of 193 a month. Some 13,800 results on XXXX  related to lawsuits I would tend toward fraud. I would have to ask at just what point do these companies get shut down and put in prison?
Product: Credit reporting or other personal consumer reports

I am writing to address the delinquent accounts listed on my credit report. Upon recently receiving a copy of my credit report, I was prompted to question the sharing of my information without my explicit consent. The dissemination of inaccurate and incomplete information has caused me significant stress 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: Credit reporting or other personal consumer reports

I bought a vehicle in XX/XX/XXXX the vehicle is almost paid off. I owe {$1400.00} on it yet and they still have not reported my credit on my credit report or anything and I've talked to the bank the bank says they're reporting it to transunion and transunion tells me the bank isn't reporting it so what do I do about it this this loan was for until XXXX and I've got it almost paid off at XXXX and as of XXXX this year it will be paid off and the bank says there's no charge for being late earlier whatever okay but I still ain't get it and reported on my credit and I want it fixed thank you very much
Product: Checking or savings account

Bank put a fraud hold on my account and closed it out without ever explaining the reason why. I called in to the bank to find out and they were really not helpful. Two checks were trying to clear my account that I had the cash to deposit to cover them, but because of the hold I couldnt deposit in ATM over the weekend. I followed up on Monday in branch and hold was never removed so I opted not to make the cash deposit and pay the person in cash instead. The bank never followed up until two weeks later ( never removing the hold ) and cut a check and mailed it to me. They also reported this to XXXX XXXX  Unfortunately this is now inhibiting my ability to open an account elsewhere.
Product: Mortgage

My mortgage was sold to NewRez/Shellpoint 5 months ago. I am currently trying to refinance with another mortgage company while the interest rates are low. I have been requesting from NewRez/Shellpoint Mortgage, for 14 days, a payoff of my mortgage. I have emailed them twice, I have requested the payoff online many times, I have called and spoke to a representative on XX/XX/XXXX and XX/XX/XXXX and left a message for her today. She can not tell me why I cant get a payoff. She gave me her direct line. Although very kind she doesn't appear to be able to help me. I have told her I need this by Thursday XX/XX/XXXX for closing. She has my email and phone number but isn't calling me ... probably because she doesn't have any information. This has been extremely frustrating. My new rate is only good for a few more days and if I miss out on this lower interest rate because of NewRez and their incompetence I will be extremely angry. 

XXXX XXXX XXXX
Product: Mortgage

My mortgage was previously serviced by The XXXX XXXX, XXXX. They transferred servicing to Mr. Cooper. My instructions were to send any payments due on or before XX/XX/XXXX to The XXXX XXXX and any payments due after XX/XX/XXXX to Mr. Cooper. 

I submitted my XX/XX/XXXX payment to The XXXX XXXX, per the instructions above. 

Today, I received a harassing mobile app notification from Mr Cooper saying that I needed to make my XX/XX/XXXX payment by XX/XX/XXXX to avoid a late fee. 

I contacted Mr. Cooper support. They insisted that this is my responsibility, and then hung up XXXX ended the online chat ) on me.
Product: Mortgage

I received my Annual Escrow Analysis on XX/XX/2023. My lender, Navy Federal Credit Union advised the amount applied to escrow needed to increase to satisfy the anticipated escrow disbursements for the following year. The amount quoted was {$2000.00}. I was given the option to pay that figure in full or pay the amount over a 12 month period with an increased monthly mortgage payment. The new payment schedule was to begin on XX/XX/2023. 
On XX/XX/2023, I paid the full escrow " shortage '' of {$2000.00} in addition to my regular monthly payment of {$1500.00}. Navy Federal mailed a new monthly mortgage invoice on XX/XX/2023 acknowledging the additional escrow payment and my regular monthly payment but still noted I was due to make the increased monthly payment of {$1800.00} on XX/XX/2023. I called Navy Federal on XX/XX/2023 and requested explanation for the increased payment. If I have paid the escrow in full, there should not be an increase of my monthly payment. The representative could not provide any other explanation other than, there are other fees they account for that may need to be paid. I asked for examples and she provided only " if '' a special tax assessment is made. I explained those are sent to the homeowner and not the mortgage company. I also asked for the correct escrow amount as I did not want my payment to increase. She could not provide that amount but also did not offer to return the additional escrow payment. I requested a return call from a manager or supervisor. As of the date of this complaint, I have not received additional communication from Navy Federal.
Product: Mortgage

Ocwen modified my mortgage. It took effect in XXXX and they took until XXXX to have it correctly processed the whole time my payments were ontime. They refused to update my credit report to show the XX/XX/XXXX payments and only started reporting ontime for XXXX and XXXX. Recently I checked and they had not reported anything since XXXX and it was not showing for XXXX, XXXX, or XXXX. I called and was told this would be corrected but they only showed the XXXX payment as received and now it looks like no payment was received for XXXX or XXXX and it is hurting my report and score and I am being denied credit because it looks as if payments were not made and now it looks like the XXXX payment is 60 days late.
Product: Mortgage

I have had nothing but problems with Loancare and no one at the company will help me!! They keep putting me on hold and then disconnecting my call. I am in tears as I write this because I am a very responsible person and make my payments ahead of schedule EVERY month!! I login today to make my payment before the XXXX of XXXX - it is supposed to be {$36.00}, and for some reason the payment requested is {$110.00}??? Mind you, I have a printed bill from Loancare stating my bill is {$36.00}, but they are telling me I owe 3 times more than that online and on the phone. They will not put me in contact with a supervisor to fix the issue and my payment is due tomorrow!! I don't know what to do! I am not going to pay a bill that is clearly inaccurate when I have proof of making my payments on time every month via bank statements and their bill saying what I really owe. I feel helpless and this is my first home and I have had problems every month just trying to pay my mortgage! I have never been late on a payment. I am going to get a lawyer if this is not resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, XXXX breach and the black market, I need these to be removed.
Product: Credit card

I have a discovery credit card.. 
My card have been closed since XXXX just found out today XX/XX/XXXX. 

I have been calling.. instant messaging, request passwords, calling them on the phone to ask questions I even called to check an told them I would be late... 

The never said nothing, they said nothing, nothing that may account is closed..all this time I have been calling and rest my password I even update my email number a few months ago they said nothing, they said nothing ... my account is closed an that effects my credit..this not right..
Product: Debt collection

XXXX   XXXX   XXXX   XXXX   XXXX  has a collection on my credit and i have no idea who this is or where this came from but this DEFINITELY is not mine. Nor did i authorize my name to be used by anyone.