23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am filing a formal complaint against Pentagon Federal Credit Union ( PenFed ) for misleading, deceptive, and predatory loan payment practices.

1 ) Misrepresentation of Payment Reallocation PenFed originally confirmed in writing that my extra payments would be applied to principal, then later reversed this without explanation.

They provided contradictory responses and refused to correct the misapplication of my payments.

This forced me into additional interest charges that should have been avoided. 

2 ) Deceptive Future Payment Scheme Their system automatically defaults extra payments to advance the due date instead of reducing principal.

This was never clearly disclosed, and I was misled into making payments that did not properly reduce my loan balance.

I was not given a clear option to apply extra payments toward principal until I manually discovered the issue.

3 ) Forced Use of an Internal PenFed Account for Principal-Only Payments After requesting to apply extra payments toward principal, PenFed suddenly imposed a new restriction that principal-only payments can only be made from an internal PenFed account. 
This policy was never disclosed when I refinanced my loan, and I never agreed to use a PenFed account for payments. 
This is a predatory attempt to force borrowers to keep money within PenFed while making it harder to pay down debt. 

4 ) New Late Fee Scam Principal-Only Payments Do Not Count Toward Regular Loan Payments On [ date ], I made a {$400.00} principal-only payment following PenFeds instructions by first transferring the funds to my internal PenFed account and then applying them to my loan. 
Now, PenFed is falsely claiming I still owe my regular payment ( {$100.00} ) or else I will be charged a late fee. 
This contradicts what I was previously told and is an unfair policy that penalizes borrowers for paying off their loans faster. 

This is a clear pattern of unfair and deceptive lending practices, and I am requesting a formal investigation into PenFeds handling of loan payments. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA section 605B which details your responsibily to block fraudulent information on my credit report resulting from identity theft.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00} XXXX XXXX XXXX XXXX XXXX  : {$530.00} 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 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, credit repair services, or other personal consumer reports

There was nothing to explain further. I have been sending letters to Experian for months now and I have repeated myself over and over again. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED FROM MY CREDIT REPORT XXXX XXXX ( this account is being reported multiple times! ), XXXX XXXX XXXX   XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX   XXXX ( reported duplicate on my credit report ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX -  XXXX XXXX ) XXXX, Chapter XXXX Bankruptcy XXXX-XXXX-XX/XX/XXXX
Product: Debt collection

I am being harrassed by Midland Credit Management over a hospital bill that I could not pay because I do not have insurance. I had been living at a XXXX XXXX for one year and have been border line surviving off of nothing. I can not afford to pay anything over a debt from not having health insurance. I do not think it is fair that these debt collection companies can buy up medical bill debt and then harass poor people who can not afford to pay anything who scrape by paycheck to paycheck. This company has called me from about 50 different XXXX numbers this should be considered telephone harassment.
Product: Checking or savings account

Yes i open a XXXX account and another bank account. Apparently there was hacking to my XXXX account. They block access to my chase account. I called them and talk to them. They told me i regain access and closed these accounts. About year now and no avail. I get same answers when i call.
Product: Credit card

I bought kitchen backsplash tile from Lowes on XXXX/XXXX/2016 and had it installed on XXXX/XXXX/2016 by a subcontracting company called XXXX XXXX. The job was botched and confirmed by XXXX XXXX. The company offered to fix the job but I wanted a full refund. I 've been following the formal complaint procedures for 2 months and still do n't have a refund of {$1800.00} against my Lowes credit card.
Product: Debt collection

On XX/XX/2018 I sent a certified debt validation letter to XXXX XXXX XXXX  and havent received any debt validation from this company and its been well pasted the 30 days. This company has put this debt on my credit reports without validating thats its mines.
Product: Credit reporting or other personal consumer reports

I have been fighting with these companies as well as the 3 main credit bureaus that these accounts are not mine. I have sent all information needed to show them that it was not mine and that I was a victim of identity theft. It also has been proven that more than XXXX social security number was being used on my account. These are the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681b I have the right to privacy and I didn't give written consent for any of these accounts to be published on my credit report because they do not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am certain that the item I disputed Is Incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact Information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal cas need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this rese be. 5 soon as possible. 
Very Respectfully, XXXX XXXX XX/XX/1993 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is not an error or misunderstanding. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. I have come across these discrepancies multiple times, and despite my efforts to resolve them, they continue to persist. This situation is extremely distressing and has caused me significanXX/XX/XXXX and XX/XX/XXXX
Product: Vehicle loan or lease

BMO acquired my Boat loan from Bank of the West. My payment with Bank of the West was set up on auto-pay. When the account was transferred, BMO indicated that I had to RE-ACCOMPLISH my auto-pay, which I did. Since that time, BMO has auto-drafted my checking account TWICE each month. I have called and explained the issue to no avail despite assurances that the problem has been rectified. My checking account has gone into overdraft TWICE now as a result. This has cost me {$70.00} in overdraft fees and has completely disrupted my finances. 

I am a XXXX XXXX XXXXXXXX veteran on a fixed income. I have managed my finances without issue for more than 50 years. BMO is unresponsive and nearly impossible to communicate effectively with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I contacted Equifax concerning the credit files sent to me on XX/XX/22 by Mail from equixfax. Confirmation # XXXX. I have found inaccurate information pertaining to Personal Identification Information inside Equifax Database System which is a violation. On the credit file the date of birth is inaccurate showing XX/XX/1899. The Name is Spelled XXXX XXXX Which is a error. The correct spelling of my name is " XXXX XXXX ''. This is a business Tort, breach of trust, affecting my credit, and misrepresentation. Violation of 15USC 1681 ( a ) ( 4 ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX  XXXX {$14000.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NOT RECOGNIZED XXXX - XX/XX/XXXX Equifax XXXX CERTIFIED - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX, XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX, XXXX Mortgage Reporters XX/XX/XXXX XXXX, XXXX XXXX Mortgage Companies - Finance XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX Equifax, XXXX XXXX Credit XXXX Processing XX/XX/XXXX XXXX, XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I notice these unauthorized accounts and I have not authorize any of the following to pull my credit and I would like them deleted. 

XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Wells Fargo BankXXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have unauthorized inquires to my credit report. I was never made aware about these fraudulent inquiries. These inquires are a result of identity theft and they must be removed no later than four business days as per 15 USC 1681 c-2
Product: Credit reporting or other personal consumer reports

I am writing to formally file my complaint regarding the incorrect reporting of a late open account on my credit report. Despite multiple attempts to resolve this issue through direct communication with the credit reporting agencies and the creditor, the error remains unresolved. Accurate credit reporting is critical, and the continued presence of this error is causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct this mistake, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on on you to intervene and ensure this inaccuracy is rectified promptly. Given the persistence of this error despite my efforts, I am seeking for your assistance to : XXXX. Conduct a thorough investigation into the reporting of this account. 
XXXX. Ensure that the credit bureaus and the creditor involved take the necessary corrective actions to accurately reflect the account status as closed with timely payments. XXXX. Provide a clear resolution and timeline for the correction of this error. 
Please help me correct the account right away : XXXX XXXX XXXX Balance Owed : {$2900.00}.
Product: Consumer Loan

XX/XX/2016 I was researching for a good option to payoff a high interest mortgage I have on a property. I came across a good opportunity from Bank of America and started the application process for a line of credit. They asked for a good estimate of the value of my property and request my realtor to prepare a value analysis, he told me I can market it at least at $ XXXX. I requested a $ XXXX line of credit based on this number. After a month of sending tons of papers and information they came back telling me my property was appraised at {$560.00} based of some data. At that time I requested a full appraisal of my property because I did a lot of improvements to it with add value. To my surprise, the bank assigned the same company and the same XXXX who did my appraisal 2 years ago and came really low did this appraisal again. XX/XX/XXXX the bank called telling me the property was appraised at $ XXXX, totally disappointed, he did not even considered the money I spent in the remodelation and extra futures. When I requested copy of the appraisal I found out that it had a lot of discrepancies, and it needed to be reconsider and I also sent more comparables since the appraiser said he was not able to find recent comps for my property and he used some that had more than a year ago! Today I received a call that my petition came at the same price! They not only waste my time, my money, my patience but also are damaging my credit! They even endorse my policy with a loan that it seems they did n't want or have interest in giving ... totally disappointing. I hope no other clients get damaged the way I was.
Product: Checking or savings account

I wrote a mobile check through Chimes bank app, out of my checking account for {$1800.00} for Earnest Money on a home Im buying. I submitted the request XXXX XXXX XXXX. It is now XXXX XXXX XXXX  and Ive called over and over again to see where this check was at because it never reached the realty company it was supposed to be sent to. Chime is saying it was already sent out and cashed. But cant provide me any kind of receipt or proof that it was cashed and who it was supposedly cashed by. They just keep trying to offer me to dispute it via email, which I had several times and no one contacts me about it. So I called back several times And they say they can send me a bank statement that only shows its been processed, which means sent out. So no proof of anyone receiving this money by any means. I was told theres nothing more they can do and hung out. The company it was supposed to be sent to is called XXXX XXXX, and they let me know it was as never received nor cashed. I had to take out a loan to pay for my house so I didnt lose it, which cost me {$200.00}
Product: Mortgage

What the pandemic started and my capacity to earn money was disrupted, I requested forbearance, I was assigned to XXXX XXXX, the forbearance was approved for XXXX, XXXX, XX/XX/2020. In XX/XX/2020, I requested for another 3 months forbearance, I understand that it was approved for XXXX, XXXX, XX/XX/2020. In XX/XX/2020, I again requested for another 3 months extension and that the case was assigned to Ms XXXX XXXX, I spoke to her over the phone and she said that I will have to send {$2000.00} with a copy of my bank statement which I complied the company returned the check. I then called the company and I informed XXXX XXXX that I am in New York sick as I am diagnosed with XXXX XXXX at XXXX XXXX XXXX under the supervision of XXXX  Dr. XXXX XXXX. Mr. XXXX, told me to deposit the check in my account and he wants that by phone, I have to pay {$3900.00} to approve the the requested forbearance for XXXX, XXXX and XXXX that I requested. I did not comply as the procedure seems to be not normal. I am scared of losing my house as what I did is to sell my old house and use the entire proceeds of {$150000.00} plus another {$50000.00} for home improvement and the Covid 19 came. I am thinking of refinancing the house through reverse mortgage if I can qualify Lender SHELLPOINT MORTGAGE. 

XXXX XXXX advised me to disregard the alarming letters which he said automatically generated but Ms. XXXX letter intend to foreclose the property and the company is sending me mixed messages. 

I would be glad if the money I owe during the pandemic be placed at the end of the loan before its maturity
Product: Debt collection

Hello, I was recently contacted by XXXX XXXX XXXX about a past due debt charged off by Comenity Bank. Upon reviewing the alleged debt, I am certain this debt is not mine. I have called Comenity and requested documentation dating back until XX/XX/2020 ( when the credit card was apparently first opened ). They were unhelpful and told me they no longer had these documents. I told them under federal law banks are required to keep records for at least five years. After being transferred to the supervisor, he dismissed what I had to say and hung up on me. 

Alleged debt owed : {$1600.00} XXXX  Acct # : XXXX XXXX Acct # : last XXXX : XXXX
Product: Mortgage

I was told that I can remove my impound account later with my 25 % down payment. XXXX years has past since and still US Bank won't do it unless I pay them {$1000.00} and there is no where on my documents saying that I have to pay this cost.
Product: Credit reporting or other personal consumer reports

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 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 XXXXXX/XX/XXXX I am writing to file a complaint regarding unauthorized credit inquiries that appear on my credit report for : I did not authorize these inquiries, nor have I provided consent for any credit applications or related actions that would warrant such activity. These unauthorized inquiries are negatively impacting my financial standing. I have contacted each Furnisher to address this matter, however, I have not received any resolution. I requested wet signature applications and proof of authorization. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these unauthorized inquiries and take actions, to make sure theyre removed, and to prevent further unauthorized activity.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B necessitates the exclusion of any flawed accounts from my credit report. Can you review the documents? Several of the listed accounts contain inaccuracies regarding reporting, with incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate name on my credit report. Despite prior disputes, this incorrect name remain listed : These name and address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name and address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a formal request for an investigation on XX/XX/, 2022, in which they received the letters on the following dates : XXXX XX/XX/2022 Experian XXXX XXXX, 2022 XXXX XX/XX/ 2022 I never received written and actual proof of verification with a hard wet signature NOR did I receive a response at all. I sent in a 30 Day notification letter on XX/XX/XXXX, in which they received on the following dates : XXXX XX/XX/ 2022 Experian XX/XX/ 2022 XXXX XX/XX/2022 According the FCRA, these items should be deleted. I am expecting the attached accounts be deleted for non-verification.
Product: Vehicle loan or lease

After a car accident and totaling my car and after insurance paid and I overpaid now I cant get my refund. I was told 5-10 days in the amount of {$280.00}. I knew I overpaid but car insurance wasnt paying yet and XXXX XXXX charges for each day the loan isnt paid. Now when I called about my refund I was told that they have a 3rd party, XXXX is handling their refunds and I need to call them. I tried calling the 2phone # s given. Message on the phone says the call cant be put through at this time. I tried at different times with the same response. Then I received an email from XXXX stating my refund is being handled by XXXX in the amount of {$160.00}. I tried sending an email a few times to the email addresss in the email that were returned. I called Westlake regarding my refund again. The guy on the line laughed a little and said I had to contact XXXX. I cant get a call to go through to XXXX or emails. Plus they want to give me a card and I want my money not a card and why such a big difference in my refund amount. Sounds like a scam to me
Product: Credit reporting or other personal consumer reports

I mailed TransUnion a letter stating that per the consumer law 15 U.S.C 1681i ( 7 ) Method of verification they were required to send me the documentation of how they validated/ verified the alleged date, the name of the person who verified the debt and other required information and they failed to provide me with that information. They are now in violation of my consumer rights.