23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was current on my mortgage when my wife lost her job and we inquired to PennyMac about a forebearance to help us lower the payment while she looked for another job. I was instructed that while on forebearance whatever my loan status was at that time, would continue and my credit would be protected. I have attached my credit report as proof of the status of my mortgage from XXXX during my forebearance as they did report it as current up until XX/XX/XXXX when I called them to discuss coming off forebearance and being making regular payments. We were granted a forebearance plan and made all payments required and were told our credit would not be affected as long as we paid each month as we did. We decided to end our forebearance and were then instructed that we could apply for a modification to handle the outstanding amount due and if approved, could modify the loan to put the amount to the back of the loan and begin making regular payments. I asked if this would in any way affect my credit and I was told no and that was why they offered such an option. I went ahead and accepted the modification they offered and came off forebearance voluntarily early to get back in track and start making payments as they instructed. The following week I received a credit alert stating PennyMac had now reported in XXXX of 2025 that my loan is now 90 days past due. All the way through XXXX it was reported current. I called PennyMac the same day I received the alert and the representative said on a recorded call my credit would be corrected once the modification was done being processed. I followed up again later with another representative today who then said the 90 days late would remain even if I paid everything to current. I was never told any of this during any part of my conversation while considering coming off forebearance or modifying my loan and was only instructed that these options would protect my credit as long as I did what they requested as part of the forebearance plan and loan modification. I was never told once about any negative reporting until after that my credit was already being reported as 90 days late this month as I have never been late on my mortgage in all the years I have had it with PennyMac. I asked for a transcript of the recorded call where the representative said my credit would be updated to reflect current once the modification was completed, and was told I would need to file a lawsuit and subpoena the record.
Product: Debt collection

In XX/XX/XXXX, after paying off all bills ( credit card ) my Credit report says I owe XXXX XXXX for XXXX accounts! XXXX, XXXX physicians for XXXX doctors visits and XXXXXXXX XXXX XXXX for XXXX  bill ( {$1400.00} plus ) the XXXXXXXX XXXX bill totaled {$300.00}! I set up payment plan for XXXX, XXXX, XXXX! Paid off both Bills but XXXX, XXXX say this is different bill.Debt recovery has XXXX accounts ( XXXX ) my bank had XXXX payments to them for XXXXXXXX XXXX XXXX But still getting calls from Lockhart Morris and Montgomery! saying debt is owed!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. All of the information and accounts currently listed on my Core Logic Teletrack Consumer report is fraudulent accounts and information. The accounts or information is not my accounts or information. I was just released from XXXX. I was XXXX for over 17 years. Review the attached documentation. Full Name : XXXX XXXX XXXX, DOB : XXXX, SSN : XXXX
Product: Credit reporting or other personal consumer reports

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX Utility - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the XXXX. Given that the monthly fee would be approximately XXXX XXXXXXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately XXXX  XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only XXXX inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting and convergent account # 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 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

There has been a breach in my personal information in the world wide web causing thataccounts be opened with out my consent, these fraudulent accounts needs to be removedfrom my file immediately, I have already contact the creditor and they ask me to fill out anFTC report which is attached.
Product: Payday loan, title loan, personal loan, or advance loan

Pursuant to 15 USC 1692g also known as the FDCPA, Uplift was presented with a formal electronic notice disputing the validity of the alleged debt they claimed I owed. 
At no time was any validation paperwork.showing I signed any contract was ever produced. The paperwork that was sent didn't establish validity as outlines under XXXX of XXXX XXXX XXXX nor under 15 USC 1692g ( FDCPA ) Therefore, under state and federal law, since it has been more than 30 days since the dispute was launched, the alleged debt is no.longer collectable and my rights under federal law have been violated by this being reported to the credit bureau.
Product: Mortgage

I was contacted on XX/XX/XXXX by XXXX XXXX XXXX in regards to scheduling a signing of Mortgage loan assumption paperwork issued by Provident Funding, the current holder of my Mortgage note. I called Provident Funding on XX/XX/XXXX and asked them if they would please send me a copy of the documents so that I may review them prior to scheduling a signing. They stated that they would send me a copy via email. To date I have not received a copy of these documents, also, to date, they have refused to send me a copy of the loan documents, stating that the loan documents do not yet exist.On XX/XX/XXXX I contacted XXXX XXXX to schedule a closing/signing on the mortgage loan assumption. I gave the Title agent my availability for XX/XX/XXXX, any time during the day until XXXX XXXX.Provident Funding has refused to send me a copy of these assumption documents unless I first agree to schedule a signing date and time.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Innovis regarding their elusive practices and lack of accessible mechanisms to manage adverse reporting. Unlike XXXX, XXXX, and XXXX, Innovis does not provide the same user-friendly interface or readily accessible methods to dispute errors, access credit reports, or monitor adverse items in a timely manner. 

Innovis reports information that adversely impacts consumer credit but fails to uphold the same standards of transparency and consumer engagement maintained by the other major credit reporting agencies. Specifically : 1. Access to Credit Reports : Innovis does not provide an intuitive, readily available platform for consumers to request and access their credit reports online. 

2. Dispute Resolution Mechanism : There is no clear or efficient process for disputing inaccurate or incomplete information reported by Innovis. 

3. Adverse Impact : Due to the above deficiencies, consumers are left unaware of potential inaccuracies or derogatory entries reported by Innovis until they encounter issues during credit checks or loan applications. 

This lack of accessibility directly violates the spirit of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies provide clear, reasonable, and consumer-friendly mechanisms to access and dispute credit information. 

I request that the CFPB investigate Innoviss practices to ensure they align with the legal standards expected of credit reporting agencies. Specifically, Innovis should be required to : 1. Develop and maintain an accessible interface for consumers to request, review, and dispute their credit information.

2. Implement an efficient and transparent dispute resolution process.

3. Provide clear and proactive communication to consumers regarding adverse entries on their credit reports. 

Thank you for your attention to this matter. I trust the CFPB will hold Innovis accountable for ensuring fair and equitable treatment of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not only the tenth time I have contacted Equifax, but the fourth time I have contacted you all. This company continues to report inaccurate information on my credit report. I have sent over all types of prove, I have sent over police reports 5 times showing that my information has been used in different place since I was robbed. When this happened I placed a fraud alert on your credit and still my information was used. Equifax is the only agency reporting these incorrect, lies on my credit and refuses to change it behind the credit agencies that have also failed several time to correct these issues. Each email that I have received from CFPB is in favor of the credit agency, when the information is false. On top of that every time i send in my request, the dates change, the amounts change and the name changes.
Product: Consumer Loan

I purchased a XXXX XXXX XXXX at XXXX in XXXX XXXX, Md in XXXX XXXX. I signed the contract with the finance company Americredit. Im not understanding because I never made any payments to them. All my loan stubs and western unions said GM Financial. I lost my job in XXXX XXXX which was also my last payment. My car was repoed in XXXX XXXX. I 'm not sure the repo was conducted within the guidelines of the law. I was verbally told to come up with $ XXXX dollars in back payments or return keys which I 'd also be charged for within 5 days. Or I wasnt allowed to reclaim the car, when I went to retrieve my personal belongings from the tow company. I was never notified in writing that the car was sold at an auction. Never notified as to my rights to be present at that auction to bid on the vehicle. Also never notified in writing or verbally how much the vehicle sold for. Now my credit is shot and ca n't finance another vehicle due to the repo. I contacted a credit attorney and they lead me to you.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against Diversified Adjustment Service regarding their attempt to collect a debt that I do not owe. The details of the account in question are as follows : Account Number : XXXX Amount : {$1100.00} Date Reported : XX/XX/year> I have never conducted business with XXXX XXXX XXXX, and I have not received any notices or communications from them regarding this alleged debt. I believe this may be a case of identity theft, as I do not know how they obtained my Social Security number or any other personal information. 

I have made multiple requests to Diversified Adjustment Service for debt validation, including : A copy of the original assignment contract or agreement, demonstrating their legal right to collect this debt ( 15 U.S.C. 1692g ). 
Documentation verifying the validity of the debt, including the original creditors details and the amount ( 15 U.S.C. 1692g ( b ) ). 
Evidence that they are authorized to collect debts in the state of Texas ( 15 U.S.C. 1692d ). 
Despite my requests, I have not received any response or documentation from them. Additionally, this negative item remains on my credit report, which I believe to be erroneous. 

In light of this, I respectfully request that the CFPB conduct a thorough investigation into this matter. Specifically, I request that Diversified Adjustment Service be required to : Provide the requested debt validation and proof of authorization to collect this debt. 
Remove all negative items associated with this account from my credit report. 
I trust that the CFPB will address this issue promptly and ensure that my rights are upheld. 

Thank you for your attention to this matter.
Product: Debt collection

XXXX XXXX XXXX was discharged on my husband 's bankruptcy
Product: Vehicle loan or lease

I refinanced my auto loan with Bank of America. When the loan officer contacted me, I requested to sign up for auto bill pay monthly. I was informed in that conversation auto bill pay was enabled. When the first month 's payment became due, BofA did not debit my account, and reflected the monthly loan payment was past-due. I was not made aware of this. BofA made no attempt to contact me by telephone, email, text, or even indicate the loan payment was past due within the BofA mobile app as I check this daily. I would not have been alerted to the delinquency if I had not checked my credit report monthly. I noticed my credit score had plummeted from XXXX to XXXX. I walked into a BofA branch and they informed me there was nothing they could do for me in the branch, and instructed me to call the BofA auto finance department. I called and spoke with a representative. I informed her of the situation. She said there was no indication auto bill pay was enabled which contradicted the information I received from the loan officer when the loan funded. 
At that time {$78000.00} in my account, and no reason I would not have paid had I been notified. I told her I was prepared to pay the full balance owed that moment. She processed the payment did indeed set up auto-bill pay. She told me in conversation considering the circumstances she would reflect there was no delinquency, and refunded the late fees, but she could not change the credit report and advised me to contact the credit reporting agencies to file a dispute which I did. XXXX weeks later I called back to BofA to confirm this information was reflected properly in their system. It was not. The account still indicated the account was delinquent. The new representative I spoke to informed me there was no dispute filed, moreover, protocol dictated that the original representative should have done so. She merely filed a complaint. The new representative did file the dispute yesterday XX/XX/year>. My contention is that BofA did not sign me up for auto bill pay as I was led to believe was already done by the loan officer, and made no attempt whatsoever to communicate with me about the delinquency. I requested the telephone recordings and notes submitted by the loan officer and was denied.
Product: Credit reporting or other personal consumer reports

in accordance with the FCRA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX  XXXX and XXXX XXXXXXXX has violated my rights under 15 USC 1681 section 602, which states that I have the right to privacy furthermore 15 USC 1681 section 604a 2 call also states, a consumer reporting agency can not furnish an account without my written instructions. Oh, lastly, under 15 USC 1666B and creditor may not treat a payment on a credit card account on an open-ended consumer plan as late and 15 USC 6802 obligation with respect to disclosure of personal information.
Product: Debt collection

I have been going back and forth for the last couple of months with several departments and contacts at Synchrony Bank regarding retroactive interest they charged on a zero-interest financing I had for some purchased furniture. 

I received a letter dated XX/XX/XXXX, via the CFPB website concerning case XXXX. This case concerned Synchrony retroactively charging me 30 % interest back to my original purchase date in XX/XX/XXXX. I tried calling the contact number on that letter for many days and there was no answer, and the voicemail box was ( and still is, as of the date of this complaint ) full, as stated in the outgoing message. Instead, I wrote to Synchrony on XX/XX/XXXX explaining that I completed all my payments for my original purchase by the end of XX/XX/XXXX. The promotional period for my interest-free financing ended XX/XX/XXXX. Upon review of the first statement of my purchase in XX/XX/XXXX it specifically states in order not to incur deferred interest charges, I must pay off my Promotional Balance by the Promotional Expiration Date. These are all capitalized terms and thus are very important. No where in this statement or any subsequent statement does it indicate that any late fees ( which I did incur ) are part of the Promotional Balance. As I paid off that Promotional Balance by the Promotional Expiration Date, I would not owe any deferred interest. 

I sent copies of my statements from Synchrony where the above was clearly highlighted. The reply I received on XX/XX/XXXX stating, " ... .Any remaining balance and applicable fees have become part of your regular balance ". This is in direct conflict with the capitalized terms in their statements to me. In fact, they also stated, " ... If you have any questions about the promotional financing, please refer to the promotional summary on your prior statements ''. But that is EXACTLY what I did in my letter dated, XX/XX/XXXX AND I sent copies of those summaries as well highlighting the capitalized terms. It seems as if they have simply ignored my points and given me the same answer to pay up, which I do not agree with.
Product: Credit card

On XX/XX/XXXX I purchased two items from XXXX and charged my Chase Credit Card. Te items were not what I ordered, one was broken, they other encased in an unopenable case. Both sellers said tor return eh items for a credit. They both said I need to get forms but they would get XXXX to do send them. Nothing has arrive, XXXX doesn't answer my calls e mails or letters. I want these charges removed, I have written Chase Credit Services 3 times now, and nothing back, No reply. This sadly is par for the course with Chase, see my pervious complaints, This is the only way to get them to act I am sad to say.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have listed fraudulent accounts reporting on my credit report. I did not aplly nor utilize any of these accounts myself. 
1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft AMEX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

I lived in an Apartment Complex called XXXX @ XXXX XXXX in XXXX, XXXX. from XX/XX/2017 to XX/XX/2017 and had to move back to XXXX for a Job Transfer. I went to the office and spoke to the Property Manager to let her know I have to transfer back to XXXX for my job. She told me that if they could lease out that Apartment before 30 days that I would not have to pay the break lease fee. I have a neighbor that lived next to me tell me that someone was living in my unit within 2 weeks of me moving out. So I should not have to pay any break lease fee. In the meantime I have a collection on my credit report from " ProCollect '' for {$2100.00}. They call 2-3 times a day leaving nasty emails. I've disputed this with the Credit Bureaus and have not gotten anywhere. I've told Pro Collect that I will not pay this due to I don't owe any money to this Apartment Complex. Now I can't get an Apartment in XXXX XXXX because this is showing on my credit and has damaged my renting portfolio.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/year> EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Acy and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently. The Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. 
These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute maybe mishandled in a similar manner.
Product: Checking or savings account

On XX/XX/ Truist Bank charged my account with XXXXhree ( 3 ) {$36.00} overdraft fees based on pending items. I reached out to them via their chat and was told that this is their normal practice to charge overdraft fees based on pending items. It happened again on XX/XX/23 and XX/XX/23. The overdraft fees are actually what is causing the account to go negative rather than posted transactions.
Product: Checking or savings account

I am locked out of my account. I called over a week ago and was on hold with the rep for over an hour. He kept referring to " my case ''. Then he mumbled something about my banking with another bank. I told him that I did not bank with the bank he quoteds. Then he tried to verify my identity. The phone number on my Marcus account is outdated and I gave the rep my current phone number. He tried to send me a text for verification and it failed. I asked to speak to a supervisor. He could never get access to a supervisor. After an hour on the phone, he told me someone would call me within the week. No one has called. Today I went thru the same scenario with XXXX who finally transferred me to his supervisor XXXX, who put me on hold for XXXX minutes. Her final solution was to send me an affidavit via snail mail to verify my identification or close my account and mail a check to the address on record! I chose the latter. I planned to close my account after this hullabaloo! My money, {$160000.00} has been inaccessible for over a week. How can this be? Sucky customer service and poorly trained personnel!