23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called PennyMac to get at 3 months loan payment deferral. I talked to three or four or five people all of them acted like they have never heard of that and all they know about is forbearance I told him I don't want forbearance I want a loan modification payment deferral plan but they acting like that doesn't exist and they kept pushing forbearance. One guy even told me after I asked him if he's ever done a payment deferral before the virus he said yes then I said let 's do it now and he said I have to ask for forbearance before I do a payment deferral
Product: Payday loan, title loan, or personal loan

Over the weekend I tried to pay the loan off but couldn't. I had to call in order to process the payoff which resulted in additional interest accruing. The person I spoke with confirmed they do not offer any option to pay the loan off online.
Product: Checking or savings account

We need to know why we can not open additional accounts in American Express Online Bank. When we call, they can open an additional account for us, but they will not let us do it online even though it is an online bank. 

My husband and I have had a joint account with American Express Online Bank for about 5 years. We have never had any problems with their bank or any other banks. We were able to add CD accounts in the bank until XX/XX/2023. 
When we tried to open another savings account and CD account, we got the message " Please call us. We're sorry, we are unable to open your account online at this time. Please call XXXX to open this account. '' When we called the number, and we were offered to open an additional savings account over the phone and an account was opened immediately. 

Since we were told that it happened because of the system error and would be fixed soon, we expected the online account opening privilege to be reinstated. It has been three weeks and we have still not been able to open any additional CD accounts online. Neither can my husband. We keep getting the same message, " Please call us. We're sorry, we are unable to open your account online at this time. Please call XXXX to open this account. '' We have both called the phone number every time we got the message, that has been more than several times and tried all the things they suggested, such as 1 ) using different browsers, 2 ) clearing all cache and cookies, 3 ) restarting the computer, 4 ) trying at a different time/day, and 5 ) using a different computer. 

All the representatives we spoke to offered to open an additional account over the phone, but that is not what we wanted. We wanted to know the reason why we needed to use a phone call instead of online for the online bank. Only two of the representatives we talked to said that they would open tickets ( so tickets should be filed twice for this issue ) to report the problem to their systems because they do not see any problems in our records. However, we had heard nothing from their systems as of today, 3 weeks from the date we first encountered the problem, we still can not use online to open any additional CD.
Product: Student loan

I filed bankruptcy in  XXXX   XXXX . My bankruptcy was  discharged   XXXX   XXXX . I am in the process of buying a home and I frequently check my credit report. On Friday  XXXX / XXXX / XXXX  there were  XXXX  collections totaling just over {$14000.00} on my credit report from a company called Transworld Systems INC. I called not understanding why this was just simply placed on my credit report and no one would answer my ques tions. They referred me to a lawyer who stated he did not have my student loan accounts. When I called Transworld back and asked for them to show me validation of these loans they have been unwilling to do so and they are unwilling to take off of my credit report. They can not tell me where the loans originat ed from or show copies of my promissory note. They did not warn me with calls or letters stating that I had anything in default so I could attempt to pay it before it went to collections. They do state that they have my correct address and phone number. I need help with this immediately due to this could potentially stop the purchase of my home. I have always paid my student loans and simply want a chance to pay them without a default but I have not been given that opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX Vacation # XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was never late. Thanks. 

In accordance to the fair credit reporting ( FCRA ) act TransUnion has violated my rights in pursuant to 15 USC 1681 section 602 A states I have the right to privacy. Also violated 15 USC XXXX681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written or oral consent/instructions. The FCRA is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is fair and accurate. TransUnion is inconsistent with several accounts across the three credit reporting agencies and the information is inaccurate.
Product: Debt collection

First, I have paid all debts and keep up with my credit scores and reports. Random person called asking for my birthday. I thought it was strange I needed to give them my birth date so they can settle a debt in my name. I told them I have perfect scores and owe no one. I asked them to send me documentation of the debt as that would be the only way I will settle this debt and would not be releasing my personal information. They argued with me and hung up on me without stating their next steps. I'm afraid someone has retrieved by personal information and is trying to scam me out of money. 

The company is Paramount Recovery Systems XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

As of XXXX, I XXXX XXXX recently reviewed my consumer profiles on XXXX, XXXX and Equifax and noticed a collection account from XXXX XXXX XXXX reporting a balance from XXXX XXXX XXXX XXXX for {$1500.00}. It is unlawful to report medical information on my consumer credit profile. 15 U.S. Code 1681a 3 ( A ), ( B ) and ( C ) states : Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. The said policy is also reiterated in 12 CFR 1022.30 ( b ( ) 2 ) : General prohibition on obtaining or using medical information ( 1 ) In general. A creditor may not obtain or use medical information pertaining to a consumer in connection with any determination of the consumer 's eligibility, or continued eligibility, for credit. The reporting of my personal medical information on XXXX, XXXX and Equifax are major violations of my federally regulated rights. This reporting has caused pain, harm, duress and discrimination to my person. As a result, I would like this XXXX XXXX XXXX account to be removed from my consumer profiles on XXXX, XXXX and Equifax immediately. Thanks for your cooperation. Without Recourse - XXXX XXXX.
Product: Credit card or prepaid card

This is incredibly horrible. 
My new credit card company " best egg '' aka " XXXX XXXX '' has just cost me a bundle. 
They wrongfully charged my checking account twice and I got NSF fees from my bank. Then they proceeded to charge me an NSF fee themselves. 
I wrote them about it but they did not resolve this matter voluntarily. 
I just sent all of the money that I was supposed to pay them. 
They are claiming I still owe them hundreds plus fees.
Product: Debt collection

I received a letter from XXXX XXXX stating that I owe the collector {$560.00} Acct # XXXX she enclosed the statement with account # XXXX which clearly states that the balance is {$0.00} This account collection is in violation of HIPAA Act of 1996
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.
Product: Credit reporting or other personal consumer reports

I filed XXXX XXXX bankruptcy in XXXX of XXXX. The company XXXX reported multiple accounts as 90 days past due and this is incorrect as I am in bankruptcy and the original loan servicer was notified via the bankruptcy court. Because I filed XXXX XXXX, my student loans are automatically put into forbearance until the bankruptcy is discharged therefore, they are violating the federal protection that I am under. I called the company and they were completely clueless and I was also hung up on, likely accidentally, but no attempt was made to call me back and the person on the phone was not equipped to handle the matter anyway. I want every, single negative report removed from my credit report immediately.
Product: Vehicle loan or lease

I was told I would receive monthly bills on XX/XX/XXXX. No bills have come to my home mailbox. I called and was told because I used the banks bill pay feature, I would have to contact the bank. I called the bank. Called back BMW asked to speak with Manager his name is XXXX same line about calling the bank. Told him I called the bank. Told him I have another checking account and may wish to write a check from that bank. Same deal. Nothing no customer service whatsoever total incompetence from BMW.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/2008. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH TRANSUNION, XXXX  AND XXXX  WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is refusing to remove a inaccurate bankruptcy on my report. I have asked for verification etc and they continue to send me an automated email saying that it has been verified. I have contacted the bankruptcy court transunion is saying they verified through and they confirmed that they DO NOT verify bankruptcy and there is no way that the credit reporting Transunion has legally verified this bankruptcy.
Product: Credit reporting or other personal consumer reports

Verify this account, as it does not belong to me. I do not recognize it and I am concerned about possible fraudulent activity. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/2019 I have already reported this issue as identity theft on the IdentityTheft.gov website.
Product: Credit reporting or other personal consumer reports

There's inaccurate reporting. I've requested an investigation and verification but haven't received it. I'm asking for the account to be removed.
Product: Debt collection

XXXX XXXX solicited me for entry into a payment plan to pay down the debt on my XXXX credit card. They unilaterally set a monthly payment date of the XXXX of the month. When I called them to make the first payment on XXXX XXXX, I explained to them that I would make the first payment that day but that I could not do so going forward. I explained that I would have to have my due date come in the latter half of the month. XXXX XXXX  representative that day said that that was no problem and that I could make a payment that day, then call back after my payment was finalized in order to change my due date. I called back later that month and the representative then claimed that I could NOT change my due date and that I would have to pay on the XXXX, despite the first representative 's promise. I escalated this issue to a supervisor, who said he would listen to the XXXX XXXX call and help me if the original XXXX XXXX representative did say they would change my due date. This supervisor never called me back and/or never left a message. XXXX has now refused to listen to the XXXX XXXX call and live up to the representative 's promise to provide a changed due date. I have made my XXXX payment now mid-month because paying on the XXXX was simply not possible. But now XXXX has threatened to cancel the payment plan entirely because the XXXX payment will have been late and the XXXX payment will be as well. This is fraud on XXXX XXXX part, because I explained before I made the XXXX XXXX payment that I could not have the due date be the XXXX of every month. That is impossible due to my rent, which takes up most of one of my two paychecks every month. XXXX has now marked my credit report as 30 days past due EVEN THOUGH I made the XXXX payment timely and was not 30 days past due on the XXXX payment plan payment. XXXX is not honoring its own internal payment plans or the representations of its agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : apprehended speeding XX/XX/XXXX : hired by USPS. 
XX/XX/XXXX : fired by USPS via XXXX background check, warrant for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX : Unaware of the XXXX XXXX to which I did appear in court XX/XX/XXXX ), I went to sheriff 's office and reset another court date that the judge ended by relinquishing, and removing concurrent fines. 

Because of an error on the local court district 's side, I have lost XXXX XXXX since XX/XX/XXXX. 
I have tried to establish a new business relationship with the USPS ( Postmaster wants me back anyhow ) yet every time for the past year now I have been refused ( 8 times, after copying social security number, driver 's license, and tax forms ) because XXXX  keeps popping up a warrant ( that doesn't appear on my report ) that doesn't exist since XX/XX/XXXX. 

I will be filing another report of grievance concerning a misdemeanor that XXXX will not let go, even though it has been sealed for the past eight months.
Product: Debt collection

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : CONVERGENT OUTSOURCING-XXXX-Balance {$1200.00} CONVERGENT OUTSOURCING, INC.-Balance $ XXXXDate Opened : XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Originator creditor : 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any re-investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I had a loan with XXXX XXXX ( now called XXXX ) before without issues. My second loan, they reported XXXX late payments on my credit report. I paid off the FULL BALANCE of $ XXXX under the agreement that all negative information and late payments being reported would be removed from my credit report by agent XXXX XXXX This was paid off in the first 100 days to avoid paying any interest, per the contract agreement. The late payments are still reflecting on my account to this day and any attempts to resolve with XXXX directly have been unsuccessful. 
Ive reported to the XXXX and XXXX advises that theyll reach out to me directly or I can reach out to them directly. 
Ive already reached out to them directly without resolution and do not want to spend any more time on this when theyre unwilling to resolve the issue and remove the late payments being reported. This was guaranteed on their recorded line with the agent taking the payment.
Product: Checking or savings account

XXXX XXXX XXXX, was on an interview hosted by XXXX XXXX and he was caught in a lie on national television saying that he offered customers and/or waived customers overdraft fees ( by the customers request ) in XXXX during the national pandemic, since Chase got complete protection from overdraft fees from the Federal Reserve. 

I called in a few times during the XXXX pandemic regarding having my fees waived in XXXX and was only told I qualified for the normal XXXX or XXXX per year. I called in a few weeks ago on XX/XX/XXXX and asked about why they didnt waive all my XXXX overdraft fees again since the XXXX interview and the lady said they only did it if you called in during XXXX about it. I told her did call in a few times during XXXX and no one waived all my OD fees. She then only offered me a credit of like XXXX {$34.00} fees instead of crediting me back all my overdraft fees during XXXX because she said there was daily limit. 

Big banks like Chase receive and got all typed of government breaks and aide and did not extend those same courtesies to customers like me as they should have. I am highly upset to hear the CEO of this company taking advantage of customers and profiting off overdrafts fees during a national pandemic, were many struggled. Where is his integrity?
Product: Payday loan, title loan, or personal loan

So I wanted to buy a service of private coaching with this affiliate marketing company. They suggested to make a loan application with affirm to finance the cost. At first, I accepted on XX/XX/XXXX around XXXX I verbally told the vendor ( XXXX XXXX ) yes, I want your product, so I did an application with affirm. the loan was approved. The next day when I got the electronic documents to sign for the service, I changed my mind informed the sales agent, XXXX customer support that i didnt want the service. I didnt sign the agreement for service ( i have emails and text msg that show our communications ). I called affirm at XXXXXXXX XXXX to stop this transaction within XXXX. The agent said we had to wait for the funds to be collected by the vendor to ask for a refund. I didn't really believe that true so I called again XXXXXXXX XXXX  to double check maybe the agent was misinformed but they confirmed to wait and ask the vendor for the refund. 
At this point, any financial institution should be able to stop a transaction when the customer is asking for it. But I decided to listen to Affirm wait and ask the vendor for a refund. 
A few weeks later, XXXX support finally responds they have a no refund policy. I have looked into their policy and also Affirm has sent me some links and as of today XX/XX/22 the policy doesnt mention PRIVATE COACHING AS NON REFUNDABLE. 
XXXX XXXX does offer other services like commision hero and inner circle that are mentioned in the policy but not PRIVATE COACHING. 
I opened a dispute with affirm after I got this response from XXXX support, my point was simple I never signed an agreement to proceed when the vendor reached me back, I notified them that I no longer needed the product. Affirm kept denying my Dispute saying that the vendor acted within their policies. 

First ( XXXX support ) Their policies do not mention private coaching as non-refundable, second I called affirm to cancel the loan and the transaction within reasonable time. I find myself in an ordeal because Affirm doesnt listen. Didnt listen when I called to stop the transaction and doesnt listen to a customer saying I didnt get a service, I didnt sign for it. How is that fair? Affirm just want me to pay for this loan and wash their hands when this could have been prevented. Affirm does record all their calls for quality assurance so they have the evidence that I called multiple times. 





I have attached : the repeated denial communications with Affirm The communication with the sales agent, the emails the emails with XXXX support Proof that no service was agreed, and they are asking me to approve it so we can schedule the service.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.