23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am disputing information on my Pennymac mortgage which is now closed. The late payment dates that the company is reporting is incorrect. They are listing dates that I actually paid. I sent the company over verification of the dates in question but they did not respond. 
Furthermore, during the times that I was late with my payments, I informed the company and provided documentation that I was out of work on medical leave due to an unexpected illness. I have since returned back to work and have paid all my bills on time. 

The account is now closed but the late payments are hindering my score and my financial progression which is crucial during the current COVID-19 pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and found items on my credit report that don't belong. 
the account XXXX XXXX XXXX XXXX : amount XXXX there are also inquiries that i noticed that do not belong : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also noticed that there is a incorrect address on therewhich is XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Balance {$62.00} Date Opened XX/XX/XXXX XXXXXXXX XXXX Balance {$3600.00} Date Opened XX/XX/XXXX XXXX  XXXX Balance {$250.00} Date Opened XX/XX/XXXX XXXX Balance {$11000.00} Date Opened XX/XX/XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$11000.00}
Product: Consumer Loan

Dealing with Ally financial is a definite run around combined with being lied to by supervisors and representatives. I 've been dealing with complications since last month spoke to XXXX different representatives that gave me different information when it came to bringing my account current and getting a deferment to keep my car from being repossessed. The first guy named XXXX said I was eligible and he was about to give me directive when his system froze and he told me to call back. The second lady said I had to make a full payment the third said set up an online payment and the fourth set up payments on her end and cancelled them when I made a payment over the phone. I was told to wait until XXXX and file for my 60 day extension. I 've spoken to XXXX people one being a supervisor this month. On XXXX I spoke with XXXX and she told me her manager was aware of my situation and was going to approve my extension just to go ahead and make the partial payment by XXXX so I call for the final amount and code to express it and I 'm told it was denied and I need to make a full payment and I was n't notified or called about it I would 've made my partial payment to wake up to no transportation. So I speak to two other reps today and they say my account is going into review for repo tomorrow and their notes do not show they told me the manager was going to approve my extension and it was denied due to a payment that was scheduled in XXXX that came back returned and they apologized because my representative I spoke with in XXXX should have told me to cancel the set up I was directed to make online once I made my payment over the phone. The frustrating piece of it is the lack of information, no one called to let me know what was going on, I was made a false promise over the phone that was n't noted in the file and that 's funny because the calls are recorded but no one can get to those to be held accountable and I 'm being told to call back tomorrow and speak to the initial representative. Ally is only interested in repossession not working with the customer when they have emergency situations.
Product: Debt collection

This all alone was opened up, connected to identity theft I personally did not open up the auto loan
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was dropped almost 100 points from XXXX to XXXX because I paid off and closed credit cards. Both XXXX  and Equifax both dropped my score from XXXX to XXXX. This is not right that now I have to pay higher interests rates because of a low score. I still have a XXXX student loan that I have been paying on time and extra towards and that is not being considered valid in my score rating. Who do I complain about this to? It is not OK to put a person at a low score for being fiscally responsible.
Product: Credit reporting or other personal consumer reports

A company, XXXX XXXX, has been attempting to get a level XXXX credit check. They reported Experian having my birthdate listed as XXXX. On XX/XX/XXXX I created a dispute and sent in documentation, passport, driver 's license, birth certificate stating correct birthdate as XXXX. Experian changed my birthdate to XXXX and now refuse to allow me to create another dispute. Because the company continues to mess up my birthdate I can not get the credit approval I need.
Product: Debt collection

I rented an apartment at The XXXX at XXXX, in XXXXXXXX XXXX beginning in XXXX, XXXX with a year long lease. The following spring, I needed to move back to XXXX because of a family issue, prior to the end of my lease. I gave adequate notice to vacate my apartment ( ~60 days ) and was given a letter stating that I owed {$4700.00} in order to terminate my lease early. I was shocked and sought legal counsel, XXXX XXXX XXXX, XXXX. I also consulted the Maine Consumer Law Guide to help me understand my rights in this case. As confirmed by my attorney, the law ( 14.16 " Unfair Rental Contracts '' ) states that " No matter what lease a tenant signs there are certain tenant rights that can not be waived, no matter what the lease says : A. The landlord can not charge a tenant for the months remaining on the lease after the tenant is evicted or leaves unless the landlord makes a good faith effort to re-rent the residence. '' This is the crux of the issue here. In my remaining weeks at the XXXX after I had given notice, management did not once contact me regarding showing the unit, nor was the apartment advertised during that time. XXXX XXXX advised me not to sign the " Notice of Intent to Terminate Lease Early '', in a letter to the XXXX  dated XX/XX/XXXX. Also stated in this letter is my willingness to show the apartment at any time. In addition, I paid my rent through the month of XXXX, XXXX, although I vacated the apartment before the end of the month. 

On XX/XX/XXXX, I received a letter from The XXXX requesting that I remit the amount of {$3800.00}, which was the original amount owed, less my security deposit. Upon my attorney 's counsel, I took no action to this request. Then on XX/XX/XXXX, I received a bill from Fair Collections & Outsourcing of New England, a debt collector, for the {$3800.00}. A similar letter from Fair Collections was received on XX/XX/XXXX. Upon notifying XXXX XXXX, he sent a letter to Fair Collections explaining my situation with The XXXX, and warning them to " cease and desist '' in their efforts to collect the alleged debt, and in placing a " XXXX mark '' on my credit report. XXXX XXXX sent another letter to Fair Collections dated XX/XX/XXXX again requesting that they " cease and desist IMMEDIATELY '' in their efforts to collect this disputed debt. As happened with The XXXX, my attorney 's correspondence and requests were summarily ignored. 

Lastly, I was notified by XXXX XXXX on XX/XX/XXXX, that this collection had been entered onto my credit report. Again, I notified XXXX XXXX who is now preparing further steps in this case. In addition, I have submitted disputes to all three credit reporting bureaus : XXXX, XXXX and XXXX. I do not owe this money, and I would like for this derogatory mark removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : XXXX XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXXXXXX XXXX Account name : 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

My name is XXXX " XXXX '' XXXX, and I am writing to formally file a complaint against PayPal for the unjust suspension of my account. As an American citizen with a background in law, I am deeply concerned and frustrated by this action, which has effectively deprived me of access to my funds without just cause or due process. 

Account Information : Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Email : XXXX Complaint Details : On XX/XX/XXXX, I received a notification from PayPal stating that my account had been suspended. The notification did not provide a specific reason for the suspension, nor did it offer a clear path for resolution. This sudden and arbitrary action has caused significant inconvenience and financial hardship, as I rely on PayPal for both personal and business transactions.

Issues Raised : Lack of Transparency : PayPal has failed to provide a transparent and adequate explanation for the suspension of my account. 
Access to Funds : The suspension has restricted my access to my own money, which is essential for my daily living and business operations. 
Due Process : I was not given prior notice or an opportunity to address any potential issues before the account was suspended. 
Requested Resolution : I respectfully request the following actions to resolve this issue : Immediate Reinstatement of Account Access : I urge PayPal to immediately lift the suspension on my account and restore my access to my funds.

Detailed Explanation : I request a detailed explanation of the reasons behind the suspension of my account.

Fair Process : I seek assurance that PayPal will implement a fair and transparent process for account suspensions, including proper notice and an opportunity to address any concerns.

I appreciate your attention to this matter and look forward to a prompt resolution. Please feel free to contact me at [ your phone number ] or [ your email ] should you require any additional information.

Thank you for your time and consideration.
Product: Money transfer, virtual currency, or money service

I am unable to use a regular bank because of personal reasons out of my control. I received a lawsuit settlement and a few large checks that I needed to cash. I went to California Check Cashing in XXXX XXXX, CA on XXXX XXXX ( only location in XXXX XXXX ). They cashed a check for {$30000.00} for me ( not all in cash, I was required to put some of the money on their store debit card ) and they charged me {$3000.00} to cash the check. And there were other checks that I have cashed there for {$10000.00} that I was charged {$1000.00} to cash, etc. They charged me 10 % with no cap on the fees. They knew the checks were good. There was no risk involved. They confirmed with the lawyer, etc.i feel like this was predatory banking practices. I had no choice if I wanted the money. After checking with other check cashing facilities locally after the fact, it is obvious that California Check Cashing is in the practice of predatory banking practices. Other businesses have a cap of {$300.00} to cash any check. I am asking that California Check cashing return any money over {$300.00} that they collected from me while cashing any check in their facility. I had identification as well. There was no risk involved in cashing these checks. I feel like they took advantage of my financial situation to their benefit. I wrote them a letter but did not hear back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX {$560.00} 75 % usage 3 late payments, XXXX XXXX XXXX  XXXX XXXX {$530.00} 59 % usage 4 late payments XXXX/XXXX  {$0.00} 0 % usage 1 late payment
Product: Credit card or prepaid card

In XX/XX/XXXX I opened an Apple Card credit account with Goldman Sachs ( GS ). Initially I was assigned a credit limit of {$500.00}, which was eventually increased to {$1500.00}. In the time since I opened this account, I have never had a single late payment. Almost every month, I have paid my balance in full, and throughout each month, I have made multiple payments because my spending well exceeds my limit. On average, I have spent anywhere between {$3000.00} and $ XXXX each month. During calendar year XXXX, my spending was {$23000.00} with no missed or late payments. 

Today, out of the blue, I received an email from GS indicating my credit limit was reduced from {$1500.00} to {$500.00}, thus essentially rendering the card useless. The explanation given was a charge of and delinquency with other creditors. 

Several weeks ago I discovered a handful of accounts on my credit report that do not belong to me ; they were fraudulently opened without my knowledge or consent using an old home address in Maryland. I have since disputed these accounts with the CRAs and completed an identity theft report. 

When I contacted GS to explain the situation, i was told there was nothing that could be done to reinstate my credit limit because these decisions are made by AI, and everything is automated.

My account history with GS has been exemplary. The credit limit prior to being reduced was rather modest at {$1500.00}, and it represented a very minuscule risk to GS, especially given my proven payment history. There is very minimal risk of default. Moreover, it was implied that if the balance on my Apple Card was higher than it was at the time the limit was decreased, GS would likely not have decreased it or would have only decreased it by an amount just above the balance. Not only have I been penalized due to delinquent accounts appearing on my credit report that are not mine, but Im also being penalized for making consistent payments and keeping mt balance low.
Product: Debt collection

Paragon Revenue Group is trying to collect a debt from me personally when they need to be billing my insurance. On XX/XX/XXXX and XX/XX/XXXX they put an account into collection for which they need to bill my insurance, not me.
Product: Mortgage

On XX/XX/2019 our home was damaged due to an electrical fire. My family has not occupied our home. The funds of $ XXXX has been deposited with the Select Portfolio Service for disbursement to my contract. A payment 1 of 3 was to be mailed today in the amount of $ XXXX. SPS has informed me via the web-portal ... XXXX   that only the amount of less than $ 27K has been released. However, this comes after weeks of being told that the check is in transit. Now, my contractor is ready to walk-off the job and sue me for breech of contract as he can't start the re-build process without the funds. In addtion, due to this delay, my insurance housing allowance is being exhausted and my family is now facing the issue of not having enough funds to cover our housing due to this one-month delay. I'm requesting immediate assistance to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes XX/XX/2018, XXXX, Experian, & XXXX has not investigated or responded to the following issues on my credit report. They have violated the FCRA 30-day-to-respond regulation. If I must, I will take legal action but I want to create a paper trail.

If a response was sent, can they please be resent?
Product: Debt collection

A collection account showed up on my credit reports for Midwest Recovery Systems. They 're phone number is listed as XXXX. They 're address is listed as XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. They show original creditor as XXXX XXXX. 1. I have not ever received debt verification or any correspondence from the collection agency. They say the account was placed in their office XX/XX/XXXX for debt dated XX/XX/XXXX, yet they have never contacted me. 2. I have never done business with CP Investors. I have not ever been contacted by them for any debt. 
I believe XXXX XXXX to be a scam and Midwest Recovery also. They failed to notify my of any account in their office within 30 days and reported a, fraudulent account to the credit bureaus. I would like the account removed immediately and Midwest Recovery held accountable for failure to comply with the law. What they are doing appears to be fraud.
Product: Credit reporting or other personal consumer reports

I have identified items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX. I also previously stated " According to the IRS, an unpaid charge off is income. According FCRA, income can not be reported on a credit report. I have received a 1099-C for the accounts listed here : XXXX XXXX  and XXXX XXXX After checking a copy of my most recent report, it appears these accounts are still being reported. These accounts can not be reported on my credit report ( according to law ). '' Which was given the response that the creditor had verified the debt, yet there was no legal debt verification provided as applicable. It is not up to the creditor to determine the verification of said debt and they have provided any documentation.
Product: Checking or savings account

As of XX/XX/year> Navy Federal Credit Union Has Taken My SSXXXXI Payment to allegedly satisfy a Lien I was. Now my Government Benefits to pay for my housing is gone and my home is unpaid. I was told this was to cover a Lien, I was never given notice of an actual lien. 

They Posted the Debit for a Credit Reversal From a Dispute which is still ongoing. They cant even provide proof they even engaged in a dispute with information provided. 

So how can NFCU be taking conclusive action. NFCU has also closed my account without notice. It is Navy Federal Credit Unions Job to Dispute the Transaction and negotiate the fee or dispute it to XXXX based on the defects. XXXX claims NFCU hasnt even reached out to them yet they are sabotaging my account. NFCU refuses to respond to the CFPB complaint ( s ), yet they are taking adverse actions against me and my accounts. 

Government Payments are only able to be garnished or levied by the US Department of Treasury. Here I am without my SSXXXX Payment, For a Lien there was no notice provided for. Which is not a lien it is an overdraft created from a dispute they failed to dispute. 

Which is unacceptable. 

******************************************************************************* Can a debt collector take my federal benefits, like Social Security or VA payments? 

Before a debt collector can take Social Security or VA benefits, they must sue you and win a judgment against you for the amount you owe. Then, the debt collector must get a court order that tells your bank or credit union to turn over money from your account or prepaid card. This is called garnishment. 

The key to making sure your federal benefits are legally protected from being frozen or garnished is to use direct deposit to put the money into your account or prepaid card. You can sign up anytime to have federal benefits direct deposited to your bank account or loaded onto a prepaid card. 

As long as I am using direct deposit, which federal benefits are protected? 
Money you receive and direct deposit to your account or card from the following government programs is protected : Social Security benefits Supplemental Security Income ( SSI ) benefits Veterans benefits Civil service and federal retirement and XXXX benefits Servicemember pay Military annuities and survivor benefits Federal student aid Railroad retirement benefits Financial assistance from the Federal Emergency Management Agency ( FEMA ) ********************************************* XXXX XXXX XXXX XXXX I am requesting all correspondences be submitted to CFPB ONLY Do not call or Write. I want the correspondence accessible to the regulators and in writing electronically stamps. 

Copies Sent to / via : Navy Federal Credit Union Consumer Financial Protection Bureau All Correspondences Can be sent to : XXXX XXXX XXXX XXXX XXXX