23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to XXXX XXXX and XXXX, and notify them of their error posting of information on my report. I was never late on these accounts. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Product: Debt collection

I got many harassing phone calls from this company which I assume is a scam. After doing much research I see that they gained access to XXXX XXXX, XXXX XXXX XXXX customers information who have small amounts owed ( which have not been sent to collections ), along with the customers personal information, addresses and phone numbers- so they call these customers ( like they did to me ) and they say weird things. They wouldn't even tell me who they were they only said " I am calling about a personal business matter ''. First of all.. why wouldn't you just tell me who was calling and what company you work for instead of being so sketchy. He threatened me and told me that If I did not pay him while we were on the phone that my credit would be damaged forever and I would be drained of all my funds. I asked him for detailed information about what I owed and multiples times he kept insisting I pay him and that he will explain in detail after. First of all-no. This made me so angry! I told him I would check into his " company '' and that I did not feel comfortable paying over the phone. So you know what he did next!? He said ok I will give you my website but you HAVE to stay on the phone with me because if you do not pay correctly your funds will be drained and you will ruin your credit. I had had enough at this point. He then tried to convince me that I could pay over the phone with him and it would be " much easier '' and that I didn't even have to give him any credit card information, he just needed my authorization via recording MY VOICE! I was so upset at this point. Not only was I under the impression that this guy already had my card info- he just wanted my verbal " OK '' so that he could take my money. This is just completely unacceptable. He was foreign too. XXXX XXXX has never once sent me a notice saying I owed a balance and so I told this man I wanted to check with XXXX XXXX first. I ended up hanging up on him. I am so sick of this. By the way- If anyone calls you and you finally get them to reveal what " debt collection company '' they are working for and they say it is credencerm ... please call your original TV provider first and verify. These people were extremely rude and threatening.
Product: Mortgage

Penny Mac marketing and sales tactics are misleading to consumers. 

In the fall of XXXX, I started working with one of Penny Mac 's most Senior Mortgage Loan Officer on my home refinance. XXXX critical items I was interested in during the refinance were their rates and the ability to make bi-weekly payments. 

The Senior Mortgage Loan Officer assured me Penny Mac allowed bi-weekly payments and that there was no prepayment penalty. 

After my loan closed in XXXX of XXXX, I immediately started making bi-weekly payments. I later discovered all of my payment were being applied as principle only and was incurring late charges. Nothing on the check directed principle only payments. 

I tried to resolve this with Penny Mac who claims they offer a bi-weekly payment service as part of their AutoPay payment service. The words bi-weekly " payment '' was used by the Senior Loan Officer and their complaint specialist. This is misleading to educated consumers. 

Payment as defined by XXXX defines payment as : The fulfillment of a promise ; the performance of an agreement. A delivery of money, or it's equivalent in either specific property or services, by a debtor to a creditor. 

Penny Mac doesn't actually offer a bi-weekly payment plan. They offer a bi-weekly " plan ''. Penny Mac actually holds the bi-weekly payment until the entire mortgage payment amount if received. Holding a payment isn't a payment. I'd like to repeat this point ; holding a customer 's payment isn't a payment. 

The benefits of making bi-weekly payments are erased by this " misleading '' bi-weekly payment process they advertise. I'm aware that Penny Mac is in the business of making profit and certainly not in the business of helping consumers pay off their loans quicker. However, misleading consumers otherwise needs to be stopped. 

Penny Mac treats the " payment '' as less than the full payment. And Penny Mac hold this money until the full " payment '' is received by Penny Mac. Once the full payment amount is received they will then apply the payment as defined by freedictionary.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX data breach, I have been trying all week to freeze my accounts/data at the three major credit agencies. I have spent HOURS and HOURS trying to do this, and have been partly successful at only one, TransUnion. However, they charged me a lot of money for things I never ordered. 

ISSUE : TransUnion. I went through the steps on their website to freeze my account. It all appeared to work -- until I received an email receipt showing they charged me {$19.00} for " TransUnion Report, Score, and 3-Bureau Credit Monitoring. '' I never ordered any of this while trying to simply freeze my account with them. I have spent OVER THREE HOURS since I saw the charge yesterday, trying to get in touch with them to remove these charges. I could never get through. Today, after a 47-minute wait  on hold, a rep finally picked up. As I was explaining my issue to him, the line was cut. Nobody ever called me back. Now Im 30 minutes into another hold on their line. 

I want my {$19.00} back from TransUnion plus a confirmation that they have actually placed a freeze on my account/data. 

The companies need to step up and make it much simpler and less time-consuming for Americans to freeze accounts -- of all our personal information, which we never agreed to give to these agencies in the first place.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX  XXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$17000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX Balance {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I emailed a debt validation letter to Synchrony Bank on or about the end of XX/XX/XXXX. I received a call on XX/XX/XXXX and I spoke with XXXX XXXX she stated she was responding to my inquiry. I received a letter dated XX/XX/XXXX from XXXX XXXX  and XXXX XXXX President, Chief Executive Officer. The letter stated " we have reviewed you accounts records and verified we have accurately reported your accounts history information to the major credit bureaus. Since we have reported accurate information pertaining to your accounts, we are unable to delete or modify the status as reported ''. I have received several credit reports from XXXX after disputing this account and it continues to show the same inaccurate reporting information. I continue to dispute with XXXX and they always say account verified. The letter dated XX/XX/XXXX states that the XXXX account XXXX was open XX/XX/XXXX. The open date on XXXX is reported as XX/XX/XXXX. That would not be accurate reporting if the opening is reporting XX/XX/XXXX and not XX/XX/XXXX as Synchrony and XXXX XXXX stated in the letter dated XX/XX/XXXX. Your letter stated that the last payment received was on XX/XX/XXXX and XXXX show XX/XX/XXXX has a 30 day late and a 30 day late for XX/XX/XXXX. According to your letter that you have been reporting correctly. That would not be accurate reporting if XXXX show XX/XX/XXXX reported a 30 day late. That would mean no payment was received for XX/XX/XXXX according to the credit report that is currently being reported to XXXX. You stated you charged off the account in the amount of {$950.00} on XX/XX/XXXX. That charge off amount is not reported on XXXX  file. That would be inaccurate information you have the status as chargeoff but no amount. You have a high credit of {$950.00} but no credit limit. That would be inaccurate reporting, how do you have a high credit with no limit. I am sure Synchrony Bank you are going to say you are reporting correctly but XXXX credit report reports say different. I am sure that you know that all information reported to the credit bureaus by law are to be reported accurately. I can fax you the credit report I currently have from XXXX that validates this Inaccurate reporting. I want this account deleted from my XXXX, XXXX and XXXX. I have had several disputes with XXXX as recent as XX/XX/XXXX that information is being reported inaccurate based on the information from Synchrony Bank and XXXX credit file. I am not sure how Synchrony Bank validates accounts but this one is not being reported accurately. I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I am requesting this account be deleted from XXXX, XXXX and XXXX Inaacurate reporting.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because a credit bureau is reporting inaccurate information on my credit file that should have been deleted. This information was previously disputed and either resolved or agreed to be removed by the creditor. However, the credit bureau continues to report it, which is a violation of the Fair Credit Reporting Act ( FCRA ). Under Section 611 ( a ) ( 5 ) ( A ), credit bureaus are required to delete or modify information that is inaccurate or unverifiable. The bureau has failed to comply with this obligation, and this is negatively impacting my credit score and financial standing. I request the CFPB 's assistance in ensuring that this information is permanently deleted from my credit file and that the credit bureau adheres to the legal requirements set forth in the FCRA. ''
Product: Credit card or prepaid card

In  XXXX    XXXX   I opened a credit account with   XXXX   XXXX   XXXX   for the purchase of my wedding dress. The credit card came with a 0 % interest for  six  months offer. Due to an error in entering my address correctly, I did not receive my credit card or first physical bill until late  XXXX  early  XXXX .     The interest is set to begin effective  XXXX   XXXX  at a rate of 22 %. I contacted the company today to request a three month extension on the interest. The person to whom I spoke told me to contact the store. I called the store and spoke with the manager  XXXX  who stated that she did n't have anything to do with the interest. I kept  XXXX  on the line and called the credit card company  (  Comenity Bank ;  XXXX   XXXX  ) using a conference call. I spoke with  XXXX  and she stated that it was not possible for them to extend the interest. I told her anything is possible and I asked to speak to her manager.  XXXX  came on the line and stated that she could hold off on interest for one month. She also submitted my information because I am still requesting three months to their internal disputes department.     It is not my fault that I did not receive an actual bill until late  XXXX  early  XXXX  without an actual bill. My driver 's license does bear my correct and current address. They neglected to include my apartment number in entering my address which is why I did not receive my bill. My first payment was made by phone in  XXXX  with a collections agent due to the fact that I did not have a physical bill he dropped late fees. I totally expected to receive a bill and a card after that. I ended up having to attach a handwritten note to the bill because I could not make automated payments. ( Which oddly enough they only offer in a very limited form ; each month a card holder has to go in and schedule a payment. This increases the likelihood of missed payments and seems predatory in nature to me  )  I did not have the opportunity to divide payments in a manner that would allow me to pay the entire balance within the six month offer period.     Will you please assist me in obtaining a  three  month extension on on the introductory offer?
Product: Consumer Loan

I applied to USAA for a re finance, the original company supplying me the loan was XXXX XXXX. I notarize and sent all necessary paperwork to USAA as soon as I was able. I was informed around a week and a half ago that a check had not been sent to XXXX as of that day and there was some confusion regarding the payoff amount for the loan. I ensured that the representative had the correct payoff amount for the check and assumed everything was fine. I received a call today, XXXX XXXX, 2017 from XXXX XXXX, informing me that they still have not received a check. I am now 29 days " past due '' according to XXXX XXXX and still waiting for the payoff check to make it to XXXX. I have {$100.00} to pay XXXX because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was experiencing hardship ( was out of work ) and I made an arrangement/hardship payment with XXXX XXXX XXXX. I purchased this car in XX/XX/2012and am still making payments on this vehicle. I went to apply for a loan and I was denied because the loan officer stated that I am currently behind with XXXX XXXX. This is not true.I have several blemishes on my credit report from XXXX XXXX stating that I have not made a payment. I want these late payments removed. 

XXXX XXXX partnered with a dealership that is not a well rated dealership. I went through XXXX XXXX XXXX before reading reviews about them. They sold me a lemon and used XXXX XXXX to finance this lemon. It has never taken me 6 years to pay off a {$16000.00} loan. According to XXXX XXXX, I still owe {$6700.00}. This seems a bit excessive. 

I am asking that these late pays be removed immediately. 

My account number is XXXX.
Product: Credit reporting or other personal consumer reports

Every single item ATTACHED reporting on my EQUIFAX CREDIT REPORT is inaccurate. Per FCRA consumer laws, my reports must be accurate, or the item removed. 

I have attached PAGES FROM my credit report as of today 's date. Each item either is reporting inaccurately concerning charge-off status, payment history, balance showing as a collection, or has NOT been validated per my request in the case where the debt was sold to a 3rd party non affiliate collection agency. 

PLEASE REMOVE THESE ITEMS FROM MY REPORT.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( INCLUDING EVERY OTHER ITEM ON THE REPORT )
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a new bank account with my jobs credit union XXXX and was denied due to me being in XXXX. I read the report from XXXX and it states that I had a closed, overdrawn account from Bank of America and it was listed as XX/XX/XXXX. XXXX. I was in the military from XXXX until XXXX and have only had XXXX XXXX and XXXX bank. I have never had an account with. Bank of America since XXXX. XXXX Bank of America account was never over drawn and simply closed due to me not liking their service.
Product: Bank account or service

back in 2013, I asked a banker for a personal loan, but I do not have credits and I would like to get one. He called XXXX to get approved for a personal loan. I got approved for a {$3000.00} loan. Ever since, I could n't accessed the loan and I was told to wait for a year to get loan. Several bankers made a mistake and it costs my money and credits. How am I supposed to access the personal loan online? None of the bankers do n't do their job right. I ca n't get errors removed my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} 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
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's Failure to deposit my Direct Deposit from my employer and my other incoming Deposits. Capital one has cited technical issues, which may violate the Electronic Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019 and XX/XX/2019, JPMCB CARD SERVICES add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax Credit Score is 70 points lower than XXXX and 69 points lower than XXXX because there is a notation in the credit score that I declared bankruptcy which is not true. I have never ever declared bankruptcy. This has been on ongoing issue for years and they refuse to correct it. Every time I call, the service reps claim they can not find that notation. It isn't reflected on my credit report with my account history but I tell them that the comment shows up in the credit score section. Consequently, my only recourse over the years is for my husband to apply for credit by himself. I want it fixed. I recently found out about your organization over another issue. I was hoping you can do something.
Product: Credit reporting or other personal consumer reports

Upon review of your inaccurate and invalid response to the Consumer Financial Protection Bureau ( CFPB ), this shall serve as the final submission to the CFPB in an effort to address the aforementioned matter. Failure to rectify this issue will necessitate the initiation of arbitration proceedings against your company for proper resolution.

The original contract, executed face-to-face with the finance manager at XXXX XXXX XXXX, stipulated a term of ( 60 months ), as indicated in the documentation. The contract, which you omitted from your response to the CFPB complaint, is presently in my possession and was revised subsequent to the CFPB 's litigation against Toyota XXXXXXXX XXXX. 

It is acknowledged that your business transactions occur through a privately-owned dealership. However, it is imperative to recognize that the dealership operates under your purview, and adherence to the provisions of the Truth in Lending Act is obligatory. Regrettably, the dealership failed to comply with these guidelines, and your attempt to obfuscate their errors via the dispatch of generic correspondence is evident. 

Furthermore, despite notifying the representative of the True Lending Act violation and requesting the retrieval of the vehicle, no action was taken until several days later, when I personally contacted the dealership and requested the intervention of a supervisor. Despite informing them that the vehicle was not in use, they insisted on scheduling a pickup, contrary to the stipulations of the True Lending Act. 

On XX/XX/2024, we dispatched documentation directly to your company along with our request. Your response, acknowledging " identity theft, '' is both erroneous and inadequate, as there has been no occurrence of identity theft. Enclosed herewith is the pertinent correspondence for your review. 

I hereby demand that all credit reporting activities concerning this matter be suspended until a resolution is reached either through the CFPB or via direct arbitration, per your preference. 

This communication shall serve as a record for future reference in the event that arbitration proceedings become necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus did not update late payments status i have proof from company that this account was never late and experian has yet to update payment history XXXX XXXX XXXX XXXX Company confirmed this according was always on time and never late
Product: Credit card

My information was sold and bought illegally because I was a victim of the Equifax data breach
Product: Checking or savings account

I filed a dispute explaining that a loan company that turned out to be a scam withdrew funds from my account without my permission nor signature. Upon explaining that information to Navy Federal they closed my account, ruled it out as fraud, and left me with a outstanding balance along with overdraft fees without any further explanation.
Product: Credit reporting or other personal consumer reports

This is the second attempt to remove inaccurate information that You have prepared inaccurate and incomplete consumer reports concerning me and published said reports to third parties in violation of the Fair Credit Reporting Act ( FCRA ). Unfortunately, your unlawful conduct has caused me a lot of stress and financial harm, including worry and other distress, out of pocket costs and expenses, and loss personal credit opportunities. 

The following tradeline that you prepared and published about me is inaccurate and incomplete : DPT ED/XXXX XXXX Account number XXXX
Product: Checking or savings account

Good Morning, Due to hurricane Ian, Goldman Sachs stated in a email that I [ XXXXXXXX XXXX ] can withdraw early from my CD account [ XXXX A/c XXXX ] without penalty because I lived in XXXX, Florida which was affected by the hurricane. However they did not fufill this and instead the penalty [ {$140.00} ] still applied. I tried to raise this issue to Goldman Sachs on XX/XX/XXXX [ CaseID XXXX ] but there has been no progress for a month and still getting unconfirmed delay. I have attached all the required documents and please take the necessary action to get my penalty funds back to my savings account.