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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I first applied for PSFL loan forgiveness in Fall of XXXX for two direct federal student loans that I began paying on in XXXX. XXXX, my servicer up until XXXX, never completed the PSFL review process of my loans, although they acknowledged I had made 182 qualifying payments. My loans were transfered from XXXX to Mohela in XXXX XXXX. 

In XXXX XXXX, Mohela reviewed my XXXX application and indicated I did qualify for forgiveness. But, when we finally got the notification letter, it was for only a portion of the loans. After multiple correspondence attempts, Mohela indicated there was still a substantial remaining balance, my wife 's portion of the consolidated loans. Yet, my wife 's Mohela and XXXX accounts showed a {$0.00} balance and would not allow her to submit a PSFL application, even though she also qualifies, having worked for a non-profit corp. since XXXX. 

So in XX/XX/XXXX, we submitted a PSFL application for my wife under my account. Then in XXXX XXXX, Mohela indicated that her application needed to be resubmitted. We resubmitted her application in XX/XX/XXXX. Mohela acknowleged this submission and indicated the review process can take up to 30 days. 

Since XX/XX/XXXX, we have submitted mutiple written requests inquirying about status. In XX/XX/XXXX, Mohela indicated their review has yet to be completed and when they do finish, they must submit it to XXXX for approval, which can take up to 90 days. 

Meanwhile, student loan repayment requirements are scheduled to resume in XXXX XXXX. And although we have already made 182 qualifying payments, 62 over the amount needed for forgiveness, we will have to continue to make even more payments until Mohela 's protracted review process is complete.
Product: Checking or savings account

In XXXX of XXXX  and today ( XXXX XX/XX/year> ), I have received an email from Sallie Mae Bank after my CD renews that it had renewed. Sallie Mae communicates by email that CDs have renewed ( past tense ). When I receive this email, I call Sallie Mae Bank to change the term/withdraw of the CD. I am told that the grace period has passed and I need to do that before the CD renews. 

In both instances, I then notified Sallie Mae that I am not receiving a renewal notice before the CD renews. In both instances I am told that they do not send this information and instead I have to find the notification on my own spontaneously. I have to perform the following steps to discover what is being renewed : 1. I have to go onto the Sallie Mae website and sign in. 2. I need to select the " notifications link '' or more specifically, go to the " Accounts '' drop down menu and then click on " Statements and Notices '' without any flag or indication that there is a notification. Please be aware, this is different from the " messages '' link that exists under my profile that many finance companies ( including Sallie Mae Bank ) use to communicate with customers because that is not where CD notifications go. Messages is where other communications from Sallie Mae bank goes. So if I check for messages, I will not find anything there.
3. After going to " Statements and Notices '' I have to select the specific account that is renewing, again without any flag or indication of which CD account is renewing.

4. Then I have to select the " View Notices '' link for that specific account in order to find information on the renewal or the fact that it is even renewing.

5. I then have to click on the notice among a list of notices for that account and it opens a pdf. Among the listed notices will be the past renewal pdf as well as the statement of renewal that was received in the original email described above. 

So Sallie Mae emails notices after a renewal but does not send a notice before the renewal. This causes the customer to pay a penalty for " early withdrawal '' after renewal or to be stuck in a term they did not want and they planned to change. The wrong term can impact interest rate earned as well lowering interest earned. They do not have a grace period after a CD renews like many banks do. 

I was able to get an " exception '' from a supervisor ( though the XXXX did not offer this ) but was told this is " only once '' and would be " noted on my account '' that it will not happen again. 

I do not believe that me having to go find information that my CD is renewing meets the standard of a bank being required to " send you a notice in writing before the CD matures '' as described on the CFPB website. The described standard requires the bank to reach out with the notification rather than requiring the customer to go and discover the notification.
Product: Credit reporting or other personal consumer reports

To whom it may concern, while checking my recent Credit Report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. ) CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX. ) CAPITAL ONE ( Bank ) XX/XX/XXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act 1681 b ( c ) and a serious breach of my privacy rights. Please validate the information with this company and provide me with any documentation associated with these accounts, bearing my signature, authorizing an inquiry. In the absence of such documentation being my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that maintains under my Social Security Number. Please note that you have 30 days to complete this investigation under the Fair Report Credit Act section 611.
Product: Vehicle loan or lease

Around XX/XX/2018 my car was repossessed by American Credit Acceptance. I fully admit that. The problem is with the amount they claim i owe. I never got any letters from them after they took my car. I never got a deficiency letter stating how much i owed after they sold the vehicle.. On my credit report they have changed the alleged amount owed every month for thee past 4 months. I have been disputing the account with all 3 credit bureaus and every month my credit reports show a different amount owed. This is illegal and a violation of the FCRA. They have also violated the UCC
Product: Checking or savings account

On XX/XX/2021 my account with Bank of America was frozen pending a " risk closure ''. The reason I am being given for the closure was due to an SBA loan payment and mismatching information with the company name. I have contacted the SBA as I do not nor have I ever received an SBA loan to which they agreed. The deposit that hit my account was actually from a customer of mine ( this is a business account ) paying me for service that we provided and invoiced for. The deposit also states the invoice number. I have been paid by this customer every month the same way since I opened the account at BOA last year. Until recently I have not had any issues. I have called and made branch visits only to be told that there is nothing they can do or provide any further information. I have been told by everyone that I have spoken to that they do not see why the transaction was flagged or why the account is being closed. As of today XX/XX/2021 I have no access to my funds, I have no money, and no help from BOA. They are directly impacting my business, and the ability for me to take care of my family. I have future payments coming that I am not able to deposit or cash due to this issue. I am aware that mistakes happen, but for there to be no communication with me about my account or whats going on is not ok.
Product: Checking or savings account

I mailed a check priority mail to XXXX XXXX XXXX XXXX Texas. It was placed in the wrong post office box XXXX XXXX XXXX TX Wells Fargo deposited the check into their account. It was written for {$6000.00} but I inadvertently wrote the numerical amount for {$6900.00}. It was written XX/XX/XXXX and cleared my bank for {$6000.00} on XX/XX/XXXX. I filed a fraud claim XX/XX/XXXX with my bank XXXX, XXXX XXXX, VA. Nothing has been done. My son went into Wells Fargo in California and was told by the branch manager that it is in an actual Wells Fargo owned account. On XX/XX/XXXX I spoke with XXXX with Wells Fargo Customer Advocacy she took my complaint XXXX. My case manager is XXXX XXXX. I was able to speak with him on XX/XX/XXXX and he listened. He said he would call me on XX/XX/XXXX. I called him on XX/XX/XXXX he told me that it is a Wells Fargo account and it is noted that the deposit is in error. He said he would call me back. He has not. I called and it rings once then nothing. I am not getting my money returned or any answers. I have since paid XXXX XXXX in full. I need Wells Fargo to return my money.
Product: Checking or savings account

My is XXXX XXXX and bank of america closed my account with out let me know they didn't give a answer I call them and I need my money cause iam a single mother and they also stay with my direct deposit from my bank until now waiting and nothing I need to paid rent I call them but they don't care since Monday they tell me I was getting a check and nothing if I don't paid rent they will kick me out
Product: Mortgage

In XX/XX/XXXX we changed homeowners insurance from XXXX to XXXX XXXX. We sent all documentation for the change to the mortgage company and were told that when they got the refund from the insurance company for the payment that they had just made the change would be made. We contacted XXXX and they told us they would send the refund to American Financial Resources. We heard nothing else on the matter and were under the impression that everything was handled until we went to file a claim for storm damage to our home in XXXX, and found out that our mortgage company did not pay our insurance and then they proceeded to apply their own insurance company from our escrow. So we found another insurance company to take our business and American Financial still wanted us to pay for their insurance. We do not feel that we should because we did what we needed to inform them that we changed insurances. 
Then the end of XX/XX/XXXXwe sent our monthly payment to American Financial and were notified that they did not receive our payment .So we contacted XXXX XXXX about whether the money order was cashed or not and when. We were informed that it was cashed on the XX/XX/XXXX. We then sent for a copy of the money order with XXXX XXXX and found out that our payment had been stolen from the united states postal box and altered with another name in the pay to line. XXXX XXXX told us it could take up to 90 days to deal with the bank that cashed it to get a refund. We have caught up on all of the payments that were missing and we are receiving notices stating that we are in default of our mortgage payment after they have received the payments, and it very frustrating. We do not want to move we have been here for 12 years and just want to make our normal payments and continue on. But we are also feeling like we are being harassed when we know we made our payments and we get all of this mail stating that we are in default. Plus they keep giving us the run-a-round.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has Violated 15 US Code 1681c-2! They have denied receiving my letters to them, they have also denied receiving communication from the CFPB.
Product: Debt collection

Payment made to original Creditor XXXX XXXX  XXXX on XX/XX/2020. 
The collection agency, Lanier Collection, that has the account reporting on my XXXX  profile, is reporting the debt as paid. 
This account was not sold to Lanier, as XXXX XXXX   XXXX accepted and processed the payment. Lanier should not be reporting this account as a collection account if the original owner was paid. 
Receipt was provided to XXXX  but they only updated account as well.
Product: Credit reporting or other personal consumer reports

ACIMA DIGITAL FKA SIMPLE has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. 

ACIMA DIGITAL FKA SIMPLE has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me Send me a contract between me and ACIMA DIGITAL FKA SIMPLE bearing my signature. 



Send me the location this account was opened at. send me the name and number of the person who open this contract in my name with ACIMA DIGITAL FKA SIMPLEP.

Let me know was ACIMA DIGITAL FKA SIMPLE open up in person or online. What identication was used to open this account? Delete this account from my credit report. 


What date was ACIMA DIGITAL FKA SIMPLE open? 
What method of verification was used to say this account ACIMA DIGITAL FKA SIMPLE belonged to me? remove account
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Account # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

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

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/XXXX Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary XXXX XXXX XXXX XXXX CO XXXX - XXXX CO XXXX - XXXX CO XXXX - XXXX CO XXXX XXXX XXXX CO CO XXXX XXXX CO CO XXXX CO CO XXXX CO CO XXXX CO CO XXXX CO CO XXXX XXXX CO XXXX XXXX CO
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of my credit report. this company sent me a letter saying they would remove these accounts, but they are still reporting to my credit report.this is very misleading and deceptive to me the consumer Please remove these accounts from my credit report asap.
Product: Credit card or prepaid card

Bank of America continues it's discriminatory practice against me after 9 years of living in the United States based on my place of birth and nationality. I am an XXXX  citizen and I have been living and working in the United States as a XXXX  since XXXX. My source of income is solely from my job in the United States, and my spendings has always been confined to the borders of the United States. I have not left the United States since I came here and therefore I have not been to XXXX or any other country since I resided in the United States. 
Despite this, Bank of America started a campaign of harassment against XXXX  born customers like me since XXXX which continues to this date. I repeatedly provided information regarding my legal residence to the Bank of America over the past 6-7 years. With continued harassments and account restrictions, I was forced to close my checking and saving accounts in XXXX leading to significant financial hardship for me and my family. Unfortunately, I still have to endure the BoA campaign of harassment as I still have two Credit Cards with this institution and since these are my oldest lines of Credit, losing them will adversely affect my credit score at this point of time.

Bank of America falsely claims " Like all United States Financial Institutions '' it has to continue this discriminatory practice against XXXX  born customers however I am working with close to two dozen other financial institutions in this country and Bank of America is the only financial institution with this appalling practice of harassment and discrimination against customers based on their place of birth and nationality.
Product: Payday loan, title loan, or personal loan

I opened a loan with Payoff loans. I paid the loan bi-monthly. Payoff misapplied loans and caused the account to look as if payment was 30-59 days late. This caused my credit score to drop 89 points. I contacted XXXX and they corrected the problem. I paid the balance in full in XXXX 2021.The account is closed.

The problem is Payoff is reporting incorrectly AFTER this was reported incorrectly in XXXX and corrected by XXXX Last week, Payoff reported this account that has been closed since XXXX past due AGAIN with XXXX I had to file another dispute with XXXX  for the same issue. This is impacting my credit score and preventing me from securing credit elsewhere. How many times do I have to watch my score boomerang
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation for a dispute on my TransUnion and XXXX  credit reports. last month XXXX XXXX XXXX and there was no change. I disputed the following items : Disputed XXXX  Items - 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  *These inquiries BELONG on my XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed TransUnion Items - 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  *These inquiries BELONG on my TransUnion credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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. 

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 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. I also asked for the original contract to be provided and it was not. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605B It is illegal to report information on my credit report without my permission. 

I have not supplied proof under the doctrine of estopple by silence, XXXX XXXX XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX on XXXX XX/XX/XXXX, I emailed in a copy of my XXXX Orders to XXXX XXXX dated XXXX XX/XX/XXXX. I received a confirmation email on XXXX XX/XX/XXXX, saying that my accounts were placed under the AAFES XXXX Benefit program which stated, We have applied the 6 % XXXX benefit to your MILITARY STAR account, which is set to expire XXXX XX/XX/XXXX. You will continue to receive statements during this time for as long as the account has a balance. Also, payments will be deferred and are optional. Although payments are not required while the account is coded for the XXXX benefit, it is in your best interest to make monthly payment to lower your account balance and take advantage of the lower interest rate. 

On XXXX XX/XX/XXXX, when we were able to gain access to the internet here, I received a notice that both my AAFES Account ending in XXXX and the one mentioned about ending in XXXX were both being reported as 2 payments past due and my leadership was notified. I immediately contacted AAFES customer service who stated that the accounts were annotated, but that for some reason the deferred payments benefit was not input and that they would correct the issue immediately. 

The benefit for deferred payments was applied to the account ending in XXXX, but evidently it was not applied to the XXXX account and it was reported to the Credit Bureau as 30 days past due when it should have been due to the entire account being eligible for the Deferred Payments as listed under the AAFES XXXX account benefits section which I have attached to this email as well. 

I emailed again on XXXX XX/XX/XXXX and received a response from XXXX XXXX XXXX XXXX Operations on XXXX XX/XX/XXXX stating that the benefits were applied to the account and started on XXXX XX/XX/XXXX, however I am unsure if it was applied to both the AAFES Starcard and the Take It Home Account. 

I had this account paid in FULL a few days later, but was not aware that it had already reported as past due to the credit bureau. Now, I am requesting that the account mentioned above ending in XXXX be correctly reported to the Credit Bureaus and never having been late for this 30 day period because now incorrect reporting my AAFES has impacted my credit rating and my leadership is considering removal of my security clearance because of this oversight by AAFES. 

If possible, I will also like to request a letter stating that the account was erroneously reported as past due and that the issue will be resolved and reported correctly to the credit bureaus immediately. 

This is a serious matter for me and my career as I am sure you are tracking and countless other Soldiers and Families count on the accurate reporting and establishment of XXXX related benefits from AAFES because they provide a tremendous service to our troops, so please understand my concern for this issue and in getting it resolved as quickly as possible.