23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We set up automatic payments ( see screenshots ) at Pennymac but the company did not take our payment on time. My account, as of XXXX, said no payment was due b/c of a pending automatic payment set up in XXXX of this year. I verified the pending payment was set up correctly for XXXX, for the right bank account. I also verified my bank had enough money - then logged off. Despite the autopay, we just got a a notice the payment wasn't taken out and they charged us a fee.

When I called, the agent and supervisor kept telling me our ability to pay was suspended b/c of a late payment - a problem we filed a complaint about here last month. We have a letter that it was resolved, but at no point did Pennymac inform us our payment would not be taken from our account nor did they provide notice of any 'suspension. ' In fact, the person I talked to last month, XXXX, verified the autopay was set up moving forward. And the website has shown our payment to be confirmed on autopay for the first ( see attached ).

After an hour on the phone trying to get proof of the account being fixed, the supervisor hung up while I was on hold and no one called back.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian 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 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

RE : The inaccurate and certifiably noncompliant information you are reporting To Whom It May Concern : I am writing you with this formal objection of information published and provided by you to XXXX, XXXX and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the CRGG as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE LL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

[ Date Filed/Reported : ] XX/XX/2016 [ Reference # : ] XXXX [ Closing Date : ] This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which extenas to the reporting mandates that there be no deviation from XXXX CO Format compliance since, per the CDIA, DNP 3-4 " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law. 

Thank you for your time and help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Upon reviewing my credit file, incorrect information was found in my reports. The XXXX and TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 2. XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 3. XXXX Inquiry Date XX/XX/XXXX 4. XXXX Inquiry Date XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX TRANSUNION : 1. XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not a 3rd Party, this is NEW information pertaining to my credit report. Please review the attachments.
Product: Credit card

At XXXX on XXXX XX/XX/year>, I start seeing {$25.00} transactions on my card to " XXXX. '' XXXX such charges came through a couple of minutes apart. 

I called the toll free number on the card. 

First of all, that number is too small to read without a magnifying glass, even with perfect vision. 

Paypal Only have LIVE STAFF FROM XXXX. 

The automated system does not recognize the word " XXXX. '' Or " hacked account. '' Once the system IDed me by number, it UNLOCKED THE CARD THAT HAD AUTOMATICALLY LOCKED WHEN IT SAW REPEAT CHARGES. 

I had to go online and struggle through an " AI '' that was worthless and could not dispute a transaction. 

Again, there are no live operators available from XXXX to XXXX, which is incautious and unprofessional. This is dangerous to customer accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I notified XXXX Credit Reporting to stop furnishing my Credit report to XXXX XXXX XXXX 's and I continue to receive them by mail. I want this stopped!! 

I reported this in XX/XX/2019 as stated above, XX/XX/2019 and received another Debt Consolidation application by mail on XX/XX/2019. The credit reporting agency 's are unable to keep my personal information secure as proven in the past and I do not want my information released to debt consolidation agency 's.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX0}
Product: Checking or savings account

I am writing to file a complaint against XXXX XXXX XXXX regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. 
This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Portfolio Recovery did not stop calling me. Portfolio Recovery states they bought a debt from a creditor. I have no signed agreement contract with Portfolio Recovery. therefore I demand they remove the false information in my credit report by XX/XX/19 or I will seek legal action.
Product: Credit reporting or other personal consumer reports

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to XXXX XXXX XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

AD Astra Recovery Services refused to stop publishing inaccurate information in my credit file to all 3 credit bureaus as well as honor my request have the accounts deleted from my file.
Product: Credit card or prepaid card

I tried to take money out the ATM on three separate occasions and each time the money did not dispute. It was over XXXX that did not come out the ATM. I assumed the transactions would fall off, however they didn't and I filed a dispute with Card.com. I called in today and I was told that no error occurred and that I'm going to have to take it as a lost. I'm refusing to do that. I've had fraud and many other things happen on these card.com cards and even though I've sent in plenty of evidence showing the fraud by sending police reports they still deny everything. At this point is sickening but this one I will not allow. This company does not project its card users against fraud or any other type of transaction.
Product: Student loan

In XX/XX/XXXX, I received a student loan from Sallie Mae. In XX/XX/XXXX, I completed my XXXX XXXX XXXX and began making payments on the loan. In XX/XX/XXXX, I enrolled in a XXXX XXXX  XXXX  at the XXXX XXXX XXXX . My loans were automatically enterred into deferrment. 

In XX/XX/XXXX, I began receiving bill notifications from Sallie May for approximately {$270.00} a month. I believed this was in error. Upon calling the agency, I was informed that even while enrolled, you can only defer payments for 48 months. This means that I have to come up with {$270.00} while still enrolled as a XXXX XXXX XXXX. 

My mother is listed as the co-signer on the loan. She is now retired and ill. When I called to seek another deferment until I graduate in XX/XX/XXXX or an income-driven repayment plan, I was denied by Sallie Mae .
Product: Student loan

I worked full-time ( >40 hours/week ) as a XXXX for a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX Because I was enrolled in graduate school in the evenings, I was placed in " in school XXXX '' and these two years are therefore not eligible for PSLF even though I was working full-time for a XXXX XXXX XXXX. I have requested that my loan be changed to " administrative forebearance '' so that I may qualify for PSLF for the months that I was working full-time as a XXXX. I do not believe that being enrolled in school at night should exclude individuals from qualifying for PSLF when they were working full-time.
Product: Checking or savings account

On XX/XX/2016, a person who was not myself, created an account with Bank of America using my SSN. I provided my original Social Security Card, Driver License, other credit and debit cards as well to establish my identity unequivocally and without question. 

The bank will not provide me with any information. 

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

I want to submit a complaint about my credit report information that is questionable. I would like to dispute certain account in my file which I believe is possibly an Identity theft. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4700.00}
Product: Credit reporting, credit repair services, 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. 
Accounts 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  I have the right to privacy According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX late payments & I called XXXX XXXX, they closed the account. I want the closed account deleted and the inquiry. Same thing with the first progress ( opend XX/XX/XXXX ).
Product: Mortgage

I HAVE APPLIED FOR FINANCIAL ASSISTANCE DUE TO BEING LAID OFF OF WORK. I COMPLIED WITH PLANET HOME LENDINGS REQUEST FOR DOCUMENTS AND WAS INFORMED THAT MY FILE WAS DEEMED COMPLETE ON XX/XX/18, I WAS ALSO INFORMED THAT THEY ARE NOT GOING TO POSTPONE MY SALE DATE BECAUSE THEY HAVE 30 DAYS TO RENDER A DECISION WHICH WILL BY NO LATER THAN XX/XX/18. HOWEVER, IF THEY DENY ME DUE TO AN ERROR ON THEIR BEHALF I WAS INFORMED THAT WORSE CASE SCENARIO THAT I WILL BE ABLE TO APPEAL THE DECISION WITHIN 30 DAYS OF DENIAL, I ASKED THE REPRESENTATIVE THAT I SPOKE TO IN LOSS MITIGATION HOW CAN I APPEAL IF THE SALE IS IMMEDIATELY AFTER THE DECISION AND HE SAID I CANT. THIS IS NOT FAIR, I HAVE READ THE CFPB GUIDELINES AND THE MODIFICATION GUIDELINES REGARDING SALE DATES AND THEY BY LAW HAVE TO POSTPONE THE SALE DATE AND IT APPEARS PLANET HOME LENDER DOESNT CARE ABOUT THE LAW AND DOING WHAT THEY WANT.
Product: Debt collection

Online collection XXXX, never contacted me but instead placed a collection on my credit report XXXX, for a debt I knew nothing about so I contacted experian to check into this ( A DISPUTE ) 3 days later they said it was legit and would stay on my file so I contacted XXXX XXXX at XXXX about account no. XXXX with them. On XXXX it 's acct. No. XXXX. Anyway they said it was a teco bill I owed in XXXX fl. I 've never lived there. But I contacted XXXX and spoke with XXXX I 'd # XXXX he looked and found absolutely nothing but my current acct XXXX and stated if it was legit they would have sent notice to me at the XXXX address. So I called XXXX XXXX back and he said he 'd look into it he determined it was a man I had resided with/ worked for back in the XXXX and early XXXX but said I 'd cosigner for this man. After a few days of working together to figure this out he " determined it was n't legit '' and then proceeded XXXX XXXX XXXX 2015 to say '' 15 minutes after our conversation yestarday the bill was dropped from your experian account '' I asked so it 's removed he said yes I thanked him and hung up. The next day I checked credit carmaker it 's still there so I did a free check on experian it was still there too. So not being sure how long it would take for experian to remove it on thier end I have waited more than 2 months and it is still there. So for 3 days I 've been calling XXXX XXXX and leaving messages but he wo n't return my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and did not open these accounts. I ask that the items be deleted to correct my credit report. I have reported the theft of my identity to the Federal Trade Commission as well as the identity affidavit. I would like these accounts removed as soon as possible please
Product: Checking or savings account

{$12000.00} was stolen from my Discover Bank savings today. I got no help and had to call 3 times to get the account frozen so more money wouldnt be stolen due to incompetent employees who apparently cant freeze an account. I still dont have my money back or any reassurance that I will be refunded even though they admitted that the XXXX was in another name ( XXXX XXXX that has no affiliation with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I received a letter from XXXX XXXX regarding my Frontier Airlines World Mastercard account ending in XXXX, and the XXXX XXXX  account ending in XXXX. XXXX stated that the way the frontier airlines card was reported was going to be fixed due to the fact that the account was under the covid relief program that was offered by your bank. 

Secondly, The letter I received stated that the XXXX XXXX  card was going to be removed due to the likelihood that it was opened due to fraud. The letter also stated that the frontier  airline card would remain. I am disputing the validity of the frontier airline account. I would like to see the information that was used to determine that I infact is responsible for said card. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. 


I am also filing a complaint with the CFPB and the FTC regarding this particular account. I have attached the letter that was received from your office regarding the account. 


Thanks,
Product: Debt collection

I was XXXX when this debt took place, It can not be from me.I wasnt released from XXXX until XXXX 2016, can u please remove this
Product: Vehicle loan or lease

I logged into my online account to pay the balance due. I paid the balance due. When I logged in later, it stated I owed money. I called to inquire. The rep could not answer in a satisfactory manner. today,XX/XX/XXXX, I called again..after the run-a-round, I said how much do I owe to settle, she stated an amount higher than what balance owed said in account summary. A supervisor then explained it was for interest. How can I be charged interest when I paid the balance owed? Also, there should be some warning that the balance owed figure will not include interest and more money may be owed. It is misleading to the client. Almost fraudultent.
Product: Debt collection

On XXXX XXXX XXXX XXXX I called Caine & Wiener To talk about it that they had previously had XXXX that they bought out. I spoke with a lady about doing a payment to delete in a settlement that we both agreed at {$40.00} to process a pay to delete. I was very clear about me paying this debt off as assignment as well as a payment to delete and the representative told me yes this would delete the dead and Im a get a letter in the mail in 30 days after completing this. The representative took my information and card number and processed a payment and told me I would get a letter in the mail in 30 days. After looking at my credit Ive seen that this account has been closed but not deleted off my credit score which was what we did not agree upon. I called her I presented today and was informed that since I made a settlement that it would not be a deletion but a closed account which was not what I was informed last time when I called the company. The company lied about what they would promise me in order to see a payment.
Product: Vehicle loan or lease

Bridgecrest auto loan on my account XXXX needs to be removed.
Product: Credit reporting, credit repair services, 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- Ref # XXXX XX/XX/2022 XXXX Account Name : XXXXXXXX XXXX -Ref # XXXX XXXX Account Name : XXXX XXXX Ref # XXXX Account Name : XXXX XXXX XXXX # XXXX, # XXXX, # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX Has violated my rights 15 USC 1681 section 602 A . States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

XX/XX/2023 and XXXX XXXX amount due tripled. Service company posted wrong amount owed and failed to send reminder of payments.
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 advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-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 XXXX business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX - XXXX
Product: Debt collection

This company called and stated that I owed {$670.00} with an insurance company I've never been insured by or even owned the vehicle that they mentioned the caller called me out of my name and stated that he will make sure that i pay this debt because that is his job and this is how he gets paid he said he will leave a note on my account stating that I will pay this debt even though i never heard of this before until they called and that he will garnish any amount of money that comes into my checking and savings account he attempted to get my checking and savings account information over the phone. I never received a letter in regard to this debt and one of the agents told me that they paid the original company ( who they never mentioned ) to get my account because they promised that they will be able to collect the amount that is needed. They harass me every other day and it's bothering me. They keep telling me its an insurance company debt but I've been insured by the same insurance company since 2015.
Product: Debt or credit management

Hi, XXXX XXXX, received mail stating important information and closed sent by economic relief for affected New Mexico families . 

The check for {$23000.00} require a monthly minimum payment after qualifying with a low interest rate of 5.99 %. 

I called the number at XXXX to get more information and clarification. After speaking with the customer service rep by the name of XXXX, I was told they had my information and needed my permission to do a soft credit pull. 
With my Social Security number using a PIN # XXXX they were able to do a verified search for XXXX lenders and then after a XXXX minute hold told me that I did not qualify? Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number:XXXX On XX/XX/2020 I was advised by XXXX customer service specialist to pay off the settlement in full for this charged-off XXXX  auto loan Account Number:XXXX and it will be removed from my credit report from all three credit bureaus agencies. 

I have sent three rounds of dispute correspondence to TransUnion, XXXX, and XXXX  requesting to have this Account Number:XXXX XXXX  account blocked and deleted since I was told to pay the settlement amount in full and in return it will removed from my credit report.
Product: Debt collection

12 CFR 1006.34 ( D ) : This regulation mandates that consumer reporting agencies must provide a notice of dispute to the furnisher of the information within XXXX business days.I must highlight that I did not receive the notice within the legally required timeframe.