23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had automatic payments to Penny Mac setup through my bank. In 2022 my property taxes increased and my auto payments were short. I was not getting proper notification in the mail and phone calls only left messages to call back about my account. About six months of payments missed and only about three actual email notifications. Most mail notifications from Penny Mac are to refinance, so I never called back. Eventually I did speak to someone who informed me of my past due amount. Every month was added on not only the extra amount for the shortfall, but also of the monthly late fees. I immediately paid the back amount to get my account up to current status. That person also informed me that the best way to stop this from happening is to setup auto draft through Penny Mac directly. 

I setup auto draft at that time in XXXX of XXXX. Once again, in XXXX, the auto draft did not go through and I had a late payment. I then made again the steps to correct my auto draft from Penny Mac 's system. The system said I had a Scheduled Payment on XX/XX/2022 and the Status says " Scheduled. '' As of XX/XX/2022, the payment still did not go through. When I called, I was told my account was a " Suspended '' status and I needed to bring my account up to current for the auto payments to work. I brought my account up to current, and the XX/XX/2022 Scheduled Payment is still showing and yet in the One-Time Pay section, it shows I do not owe anything until XX/XX/2022. When I called an inquired about why my payment did not go through I was told two different things ... the first was that I can not setup auto payment with an amount due. And from another agent, I was told there was an issue with my auto draft and that money was not there ( an obvious lie ). 

I am filing this complaint for three reasons - failure for proper notification of missed or late payments. And an auto payment system that fails to work putting me not paying my mortgage on time leading me into a false sense of security with a Pending Payment Status of " Scheduled '' when it did not go through, nor ANY notification that I can not setup auto payment with an amount due. Why is a system designed not to have a system for auto payment with amount due? Almost always will there be an amount due! And lastly, for lying to me about my account and my account status for failure of their system.
Product: Credit card or prepaid card

I purchased merchandise which ended up being not as described at time of purchase. By the time I realized the merchant had explicitly misrepresented their product it was too late to return said product. The particular misrepresentation makes it impossible for me to sell said merchandise. 

I gave an accurate description of the sellers misrepresentation/fraud to discover, and provided evidence. However, Discover failed to protect me from the merchant 's fraud/misrepresentation. 

I purchased a phone from XXXX which I was explicitly told by a XXXX representative was factory unlocked. This was a blatant like on part of XXXX. The phone is riddled with spyware implanted by XXXX which I can not disable. There are major security flaws I can not remedy due to XXXX 's fraud, deceit, and blatant misrepresentation. 

XXXX provided no evidence to refute my claims. The evidence they provided simply shows I received the phone, which was never an issue in the first place. I've never claimed I did not order, or did receive, the phone. Discover ignored this entirely and adjudicated my dispute erroneously.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, Account # XXXX Account Name : XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account to XXXX   & Transunion. I have disputed the information with these companies over 30 days ago and I have not received any correspondence from them. The account in question is below : Creditor : XXXX XXXX  ( Original Creditor : XXXX XXXX Balance : XXXX Account : XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I requested a withdrawal from my Moneylion investment account. At the time there was {$250.00} available for me to withdraw. I requested the withdrawal in the Moneylion app ; the transaction was approved and I got a notice that funds would be sent to my XXXX checking account in 7-10 business days. On XXXX XXXX I received an email from the Moneylion support team which stated that due to a " system error '' I was allowed to withdraw an amount that exceeded the balance available for me to withdraw and my request could not be processed. When I logged back into the Moneylion account I noticed that not only did the amount available to withdraw decreased significantly, but there is also about {$59.00} missing from my account. When I logged into the Moneylion account to request a new withdrawal the amount available changed to only {$6.00}. There is a total of {$400.00} in my investment account.
Product: Mortgage

XX/XX/XXXX I called to once again let them know Im being reported late although their records show I havent been late Rep insisted their records were correct and up to date but credit report shows late ... .I also call XXXX, and XXXX of XXXX to have them investigate the account as to why they were reporting me late and was told the would make the changes and updates would be made but none were made. Modified mortgage in XX/XX/XXXX have been paying each month never late and the still report me late. Theyve reported late during my modification trial months as well and each month then after.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with XXXX XXXXXXXX, 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 an account without my written instructions.
Product: Debt collection

I received a spam call from XXXX XXXX XXXX. He called to collect a debt on behalf of IQ Data International , Inc.. When I requested to have an invoice sent to me via email, he claimed that he could not grant my request but can tell me over the phone questions about my invoice and an invoice was sent to another address. I explained that I do not know him or feel he is trustworthy to rely accurate information. His call was spammed. He became very rude, speaking over me and threatening. IQ Data International , Inc is pulling my personal and private information unlawfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX Equifax XXXX I need you to fix this problem below please note that this is factual information taken directly from my credit report and these are blatant inaccuracies I would like for you to send me the DOC that are used in this investigation. 

These are the items I am challenging : XXXX XXXX XXXX Delete account for failure to perform and investigation per FCRA regulations because date of status did not changed and shows XX/XX/XXXX even though I disputed this account on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX is marked 30 days late on XXXX and on time with XXXX. This account is inaccurate and must be removed. 


XXXX XXXX XXXX XX/XX/XXXX is marked 60 days late on XXXX but 30 days late on XXXX. This is inaccurate and must be removed. 


XXXX XXXX XXXX XX/XX/XXXX is marked as 150 days late on Equifax but 120 days late on XXXX. Delete immediately XXXX XXXX XXXX. XX/XX/XXXX is marked 150 days late on XXXX but 129 days late on XXXX. Delete immediately Please expedite
Product: Money transfer, virtual currency, or money service

I am filing a complaint again Cash App ( Block , inc ) due to indicate customer service and unfair practices which violate the Consumer Finance Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futurermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX XXXX Account Type Debt Buyer I have not entered any contractual agreement with this company and have no obligation to pay XXXX XXXX XXXX. The company is a debt buyer. I would like this to be removed from my credit report and do wish to receive threatening phone calls from this company on a daily basis. I believe I am a victim on harassment this should be illegal.
Product: Debt collection

I had a auto loan with XXXX financial, XXXX without any knowledge to me sold the debt to Jeffeeson capital for {$9200.00}. I was never contacted by Jefferson capital by phone, mail or any other means. I called XXXX because i totaled the car. They advised me that i needed to contact jeffeeaon capital So when i did i was told that ibowe the in excess of XXXX more that the car was every worth i ask forba brake down of the charges and was hung up on i called back for clarification asked for a manager and was told no one was available. I contacted XXXX against because i know i didn't owe them this amount when it was explained that they sold the the debt only for whatbwas owed XXXX not XXXX what Jefferson capital is trying to collect from me without explanation!
Product: Credit reporting or other personal consumer reports

MY CREDIT HAS BEEN AFFECTED DUE TO THE MAJOR DATA BY EQUIFAX BREACH AS WELL MY PERSONAL INFOMATION, AND IM REQUESTFUL SUMITTING A FORMAL REQUEST TO HAVE ALL DELINQUENT, CHARGE OFF, OR ANY DEBT.

15 U.S.C 1692G.
Product: Credit card

Macy 's credit card continues to charge {$2.00} " interest charge '' even though I always pay my balance in full. This only started happening recently. 
I logged into my account today to find it past due, with a balance, despite the fact that I have not used the card in months.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial and XXXX XXXX conducted hard inquiries on XX/XX/XXXX, 2019. XXXX XXXX made two hard inquiries : One on XX/XX/ 2019 and one on XXXX XXXX2019. I was told they did two inquiries because the company had misspelled my name, which was not my fault. It is my understanding that if hard inquiries are made within 30 days of each other, they are supposed to count as only one inquiry. That did not happen with either GM Financial, XXXX XXXX, or XXXX XXXX.
Product: Student loan

Before XXXX XXXX was transferred to Navient, XXXX XXXX, by mistake had made my Father the primary loan holder and myself the co-signer. Prior to my graduation from college 6 years ago, we had been trying to resolve this issue to no avail. 

Once the loan was transferred to Navient, a lot of paperwork was lost between the XXXX service providers, so my Dad and I began trying to remove myself as co-signer from the loan entirely. At the time, the account was in good standing, as the payment was only $ XXXX- $ XXXX/m. We were told on more than one occasion that removing myself as a co-signer was not an option. 

Now, my Father is deceased as of XX/XX/2016 from XXXX at the age of XXXX ( which Navient had the audacity to tell him he was lying about even being sick ). In light of the federal lawsuits being held against Navient, I learned that there were in fact processes that my Father and I qualified for on several of my loans ranging from income based payments ( because I made {$28000.00} a year when I graduated from school and could n't afford a $ XXXX/m payment ) to removing co-signers from a few of my loans ( my grandmother is a co-signer on some of my loans and during financial turmoil, it ruined her credit, my father 's and my own ). Now that my Father is deceased, NAVIENT told me I am the primary loan holder and no longer qualify to be removed as a co-signer, even though they purposefully withheld the process from us for over half-a-decade. 

Knowing now, that we did qualify for several programs that were never offered to us, even though I begged for reasonable programs to do so, we were constantly forced into forbearances that only increased the amount of interest we owed on my loans. There was even a point during the recession where we had all been laid off and we were told Navient 's hands were tied and we would just have to default. They garnished over {$10000.00} in tax returns WHILE MY FATHER HAD XXXX, when they had programs that could have helped us. 

All I ever wanted to do was have the ability to pay back what I owed, instead I was treated like a lowlife looking to get out of repayment, simply because I could not afford it and NAVIENT was actually withholding the programs that could have enabled me to do so. I have seen my loans increase almost 33 % over 5 years from compounded interest and I am just now able to afford paying back my loans. 

This all could have been avoided and I am deeply insulted and seeking legal council.
Product: Checking or savings account

To whom it may concern, I'm a XXXX XXXX XXXX XXXX who had a SunTrust account for over 10 years, opened in Florida. I was notified on XX/XX/XXXX that SunTrust was now Truist. And at that time I split my time between the XXXX and my daughter 's residence in XXXX, XXXX XXXX and would have all my statements mailed to me in the XXXX. 

Since being forced to join Truist, I have had nothing but headache. In order to set up in the app, I had to use my daughters address and it did not recognize my XXXX postal code. I was able to deposit funds however in XX/XX/XXXX I attempted a XXXX payment. After servers attempts in the app and several calls to customer service, I was ensured that this withdrawal had gone through. However after attempting to access my account online, I see that I am now blocked, the XXXX payment did not go through and I soon received a letter ( to my XXXX address ) notifying me that my account has no been closed and I will receive a cheque within 10 business days. It is now XX/XX/XXXX and I have called this bank over 18 times as I have yet to receive the balance of my account. No department can help me. I have been reconnected and transferred from department to department. I have screen shots of 4 hour wait times. And to no solution. I've had " supervisors '' quote me my account number, when they are suppose dot be quoting me yet another number to try to " solve the issue '' and no department seems to be able to take responsibility for my account. 

My wish, my prayer and my hope is to never have to contact this bank that I was forced to be with again. I would just like my hard earned money returned to me. My last call with customer services was XX/XX/XXXX to XXXX where I spoke to XXXX. 


Truist is not a bank. Truist does not care about it's customers. They are thieves, and they treat people 's money and time with no regard. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX put an account in collections with Experian. This account was from XXXX XXXX XXXX XXXX for services that I never authorized or accepted. 
I had never signed any paperwork nor did they ask me before performing those services on me. I was awake and totally conscious when I had gone to XXXX XXXX XXXX XXXX. 
I have disputed this with Experian, but they are not providing me with any information showing that I authorized said charges. I called Experian and they said they have an electronic system with XXXX and they are unable to ask for proof of any sort of documentation. 
XXXX Account : XXXX
Product: Debt collection

I am continuously and repeatedly receiving collection calls for a debt that is not legally mine. The collector/caller/creditor, XXXX, with Lendmark Financial has suddenly took it upon himself to call my place of employment on XX/XX/2018 at XXXX. The call is recorded along with the voicemail. I have spoken with XXXX before and advised him to not call me regarding a debt that is not legally mine. He has alternatively called me from private numbers, and from other non- business numbers. This is harassment. This is not my debt. This debt legally belongs to my living relatives.
Product: Debt collection

Last year, I received a request to show up to court regarding a debt with Portfolio Recovery Services LLC. Apparently they tried to get in touch with me at an address I was not living at. 
Upon receiving the summons to show up to court, I noticed I never had an account with them, upon reviewing the papers, l discovered my name is incorrectly listed and I have no record of ever having an account with them. They have not provided me with any documentation stating I have an account with them. 

I have received these papers via mail today. The stipulation for payment is not even under my name.
Product: Credit card or prepaid card

I was charged more than {$6.00} in interest while still bring within my {$0.00} APR period, additional the {$6.00} that I was wrongfully charged was reported as my balance on my credit profile. The {$6.00} has since been refunded however I believe this inaccurate reporting of a balance I should have never been charged with is a violation of the FCRA. <P/>It is important that financial institutions ensure they are not wrongfully charging consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report after paying off two accounts that stated I owed monies on them and saw that the two accounts that were paid in full was still on my credit report. The accounts are XXXX XXXX XXXX XXXX XXXX in the amount of {$1100.00} and XXXX XXXX XXXX XXXX in the amount of {$80.00}, these accounts were paid in full and are reported still on XXXX, Equifax and XXXX. I would like these accounts to be removed as they are impacting my credit report negatively as they have been paid.
Product: Mortgage

I received someone else 's auto draft authorization request with their attached voided check on it in the mail. It was mixed in with the company 's correspondence to me.
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent accounts from my credit report. These dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. Additionally, I have reached out to the bank associated with the fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 

The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent accounts, which has been mistakenly existing on my report for over XXXX years. 

But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting this fraudulent accounts since the submission of the required documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected as soon as possible. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Dear CFPB, I made an online purchase on XX/XX/XXXX from XXXX for some tires. My total was {$120.00}. XXXX never did fulfill my order and I have been unable to get a refund from them. I have numerous email 's between XXXX and myself, with them always promising that the merchandise would ship soon. After several back and forth with the company, I decided to dispute the charge with Chase Bank as I used my debit card to pay XXXX. I called and verbally disputed the transaction with Chase on XX/XX/XXXX. They sent me a letter dated XX/XX/XXXX stating that there investigation was that the charges were valid. Perplexed on how they could come to such a conclusion, I sent them a letter by certified mail appealing that decision and sending them copies off all the communication between XXXX and myself. I mailed the letter on XX/XX/XXXX and it was delivered on XXXX XXXX, XXXX. I have yet to hear back from Chase about my appeal. 

I wish for the CFPB to contact Chase Bank and to help me recover my {$120.00}. 

Thank you. 

XXXX XXXX
Product: Debt collection

charging 10 % compounded daily on all debt received ; have stated this is worse than student loans. Another account has gone to them and they have already starting accruing interest as of sending out the letter stating that they now hold the account. business is national business factors ; collecting on behalf of XXXX XXXX hospital XXXX
Product: Debt collection

I have sent the creditors, a certified mail of a validation letter to show proof and what I owe and date, ,also calling me numerous times a week with text messages. creditor is not the original owner of the debt. They are a company that bought the debt and didnt have a wet signature of me {$660.00} XX/XX/22 Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

My mortgage has been sold 3 times -- almost every time it still has the same loan servicer, just a different mortgage holding company.In XX/XX/, Freedom Mortgage reported my payment 30 days pas due. I requested an explanation. The mortgage has been paid 30 days ahead and continues to be 30 days ahead of the next due date. I have not missed any payments or been late. I wrote several letters, called and was placed on hold for long periods with no response, from the mortgage company nor from the 3 credit brueaus. None of them have responded.I filed a dispute with the 3 credit bureaus. I requested the 30 day late notes be removed and be returned from red to green show paid as agreed on time on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with the credit reporting agency in regards to a bankruptcy showing on my credit report the bankruptcy doesnt belong to me I have contact the source for which the bureau state to have received the information the source report they have no file on me and that my file were suppressed due to s previous Id theft several years ago The new public records law requires personal information to match in this case the information being reported for bankruptcy doesnt match my personal information the name is incorrect alone with the address the FCRA requires this information to match or be deleted the credit bureau has refused to delete information the new law also states information must be updated every 6 months this also hasnt been done Im requesting physical proof of such bankruptcy filing bearing my signature ASAP or the actual documents provided to the credit bureau