23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient and Navient DOE hold my student loans. I have been paying on them for over 10 years and I owe more than I borrowed. Lately the USPS has not been delivering my payments on time and I am being charged late fees. it takes a month for 1st class mail to get to Navient or Navient DOE. Same as to when I receive my monthly statement from the lenders. I will not let Navient do direct withdrawal because they have been found guilty of predatory lending practices. I have filed complaints with the USPS about delivery delays but they refuse to resolve or even investigate the problem month after month, year after year. XXXX XXXX of the XXXX XXXX is the person assigned to each complaint and does nothing. I write the date of receipt of every payment coupon and the date I mail it, along with ck # and amount. I pay over on each payment by the way. I photograph each payment, envelope and check before I send it. I have had my mail tracked by certified/return receipt. The malfeasance of XXXX XXXX and the the USPS is causing me to pay late fees and Navient continues to charge late fees. This has been going on for years and has nothing to do with COVID delays.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several late payments reporting on my credit reports that are incorrect. I have late payments reporting sporadically from years XX/XX/XXXX and XX/XX/XXXX. I tried fixing the problem but DiTech Financial is no longer my loan services. I also was informed that the company has filed bankruptcy and I do not know how to contact Di Tech financial to have my credit reports updated and corrected
Product: Credit reporting or other personal consumer reports

This company have an account as written off and I have not received an document to how they went labeling my account as charged and written off. I have requested several time that I could like to received any form that is required of them to send to me concerning the written off status on my credit report. I have requested a 1099c showing that account have been written off and report to the IRS as added income.
Product: Debt collection

Both cases have been Vacated and the credit bureaus will not take the accounts off my credit report XXXX, XXXX, and XXXX. Please help me to remove them. Case Information Case Number : XXXX Judge : XXXX, XXXX File Date : XX/XX/XXXX Location : XXXX XXXX Justice Court Case Type : Justice Civil Case Status : Adjudicated Party Information Party Name Relationship Sex Attorney XXXX XXXX XXXX ( XXXX ) XXXX XXXX Plaintiff N/A XXXX XXXX XXXX XXXX XXXX Defendant N/A Pro Per Disposition Information There are no disposition notes on file Case Calendar There are no calendar events on file Events Event Type Sub Type Result Result Date Affidavit of Service Private Process Served XX/XX/XXXX Application for Entry of Default Filed by Plaintiff XX/XX/XXXX Counsel Statement of Costs Filed by Plaintiff XX/XX/XXXX Request Affidavit for Entry of Default Judgment Filed by Plaintiff XX/XX/XXXX Judgment Default Signed XX/XX/XXXX Judgments Date ( F ) or / ( A ) gainst Amount Frequency Type Status XX/XX/XXXX XXXX : XXXX XXXX XXXX  ( XXXX ) XXXX. {$200.00} Costs XXXX  : XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX  ( XXXX ) XXXX. {$1900.00} Principal XXXX  : XXXX XXXX XXXX XX/XX/XXXX Vacated Case Information Case Number : XXXX Judge : XXXX, XXXX File Date : XX/XX/XXXX Location : XXXX XXXX Justice Court Case Type : Justice Civil Case Status : Adjudicated Party Information Party Name Relationship Sex Attorney MIDLAND FUNDING LLC Plaintiff N/A XXXX XXXX XXXX XXXX Defendant N/A Pro Per Disposition Information There are no disposition notes on file Case Calendar There are no calendar events on file Events Event Type Sub Type Result Result Date Affidavit of Service Private Process Served XX/XX/XXXX Application for Entry of Default Filed by Plaintiff XX/XX/XXXX Request Affidavit for Entry of Default Judgment Filed by Plaintiff XX/XX/XXXX Statement of Costs Filed by Plaintiff XX/XX/XXXX Judgment Default Issued/Ordered XX/XX/XXXX Motion Vacate Filed by Plaintiff XX/XX/XXXX Order Vacate Issued/Ordered XX/XX/XXXX Judgments Date ( F ) or / ( A ) gainst Amount Frequency Type Status XX/XX/XXXX Vacated XX/XX/XXXX Vacated
Product: Vehicle loan or lease

SANTANDER CONSUMER USA- AUTO LOAN -- XXXX/XXXX/XXXX i requested an extension because Texas was hit by a natural disaster " Hurricane Harvey '' On XXXX XXXX XXXX. My town and several others was declared a disaster area. I was told by Santander that i could get help with an extension on my car payment that was due XXXX/XXXX/XXXX. After speaking to several reps and getting the run around i was finally granted the extension and was given an option of extending it for one or two months. I let the rep know that i only needed one month and that i should be recovering and back on my feet after harvey had settled down. The rep then let me know that i would have to extend my loan from the current amount of like 5 years and in order for them to agree on the extension i would have to add 2 more months to my loan date. I agree 'd because i was in a tough spot. I disagree completely with the thought of them taking advantage of me during a natural disaster. First they seemed like they were there to help with those affected by Harvey, but they forgot to mention that i would have to extend my loan agreement and that the next two payments after that would be completely eaten up by interest. This is one of many complains! My next issue is that although i am aware of my high interest rate of 22 % due to me having bad credit. I disagree with the payoff amount. I have been paying on this car since XXXX XXXX. Today is XXXX XXXX XXXX and payoff amount is {$8300.00}. I have made all on time payments besides the Harvey situation and the extension. None of my payments have been reported to the credit agencies as they said it would. All of my payments have went towards interest rather then principle. Almost a year later and i have only made little progress. $ XXXX {$50.00} goes towards the principle balance and i believe this is not correct! Also it shows i owe {$4000.00} + in interest still. I planned on paying off the vehicle this month but realized that the agreement plus the car sales woman and the santander rep by phone all said that if i payed off early, i would be downsizing the inerest and only paying a small amount of interest at which was already accumulated as of the day of pay off. Now another rep is telling me i have to pay all of the interest plus tax title and lien when the contract states that i only pay for the amount i have left minus the interest if paid off early. I should not have to pay interest on the loan if payed off early! This makes no sense! This company is screwing me over and i will not tolerate it! I need answers as to why they are misleading me and i am paying more than what the car is worth.
Product: Student loan

Website does not accepting payments. Have tried numerous times but continue to have technical errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX on XX/XX/XXXX to ask why my credit score had changed. The operator couldn't explain why tried to put me through to another department, that didn't happen. On XX/XX/XXXX I received in the mail from XXXX a credit report saying that I requested it but I did not. Today XX/XX/XXXX I have been on the phone numerous times trying to get someone to explain why a company did a search on my account. It states it was done via XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX which is a transunion phone number. Many people are complaining online since at least 2013 about this company doing credit checks and charging them without their permission or ever having done any business with them. Yet they are still operating under the name of XXXX. I am still on the phone with XXXX as I am writing this complaint waiting for someone to answer my question that no one seems to want or can't answer. Why are they still doing business with these people? They're a credit agency that should be protecting us! I also have XXXX of XXXX that requested a check, why, I've never applied or done any business with them.
Product: Mortgage

I have had a interest only arm loan with ocwen for the last 10 years. where can Ifind the information to help me determine if I have been overcharged. 
Thanks so much, XXXX
Product: Debt collection

Zions Debt Holdings is attempting to collect a debt from a company called XXXX XXXX. I called the collection agency at XXXX. All selections end in a disconnect. I have tried to contact via their online form five times and received no response. Their website is XXXX 

I decided to try to contact XXXX XXXX directly to see if they have history or knowledge of this debt. I found their website XXXX and called the number on their front page - XXXX. I clicked to speak to someone in billing. The individual wanted my personal information, which I provided. They said they couldnt find my account. But then said let me escalate. They later came back and asked me to email them a copy of my proof of residency and a copy of my drivers license. At this point I asked why and was told so she could escalate. I told her there was nothing to escalate if they didnt have the bill. She then stumbled, but was consistent she needed that info. I told her I believe it was fraudulent and I believed they were part of the scam. And I ended the call. She called me back and told me she wanted to transfer me to a supervisor. And theyve now called me three more times. 

I feel strongly XXXX XXXX is a shell company creating false accounts and fake debt. I believe they also work with their debt collection company. And I believe it is all a giant scam to steal the identity of hard working Americans. Please look into this.
Product: Credit reporting or other personal consumer reports

Whom It May Concern : I am writing to formally dispute inaccurate personal information that is currently being reported on my consumer file, as provided by your agency. I have recently reviewed my credit report ( Reference Number : XXXX ) and have identified erroneous details which are both incorrect and not a reflection of my personal history. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am asserting my right to challenge and dispute inaccurate information on my credit report. The FCRA mandates that each piece of information on a consumer 's credit report must be accurate, complete, and within the credit reporting time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX  XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

It started as a romance email scam. The perpetrator XXXX XXXX contacted me on XXXX online app. He promised me marriage and a family. He resides in XXXX, Maryland XXXX. His phone numbers are XXXX and XXXX. Has a XXXX  XXXX  business XXXX XXXX XXXX XXXX XXXX with XXXX XXXX co-owner. XXXX supposedly traveled to XXXX, XXXX for work in XX/XX/2019. His trip was extended supposedly, and he requested {$2000.00} usd money to be wired to his manager Wells Fargo account # XXXX. I used my XXXX XXXX XXXX account for this. 
He promised to repay upon arrival to the US. A few months have gone by therefore, Im reporting it now with all the information gathered.
Product: Student loan

Company =  Nelnet.    XXXX  My husband is  XXXX   XXXX  military. We married while I was attending the school for which these loans were obtained. The loans are at a 6.75 % interest rate. I would like to have the loans reduced to 6.0 % per the  Servicemembers Civil Relief Act. We contacted Nelnet on   XXXX  at  XXXX , they informed us that spouses are not eligible. However, on the  SCRA we bsite it notes that all dependents are eligible. Thank you for your help.
Product: Debt collection

The XXXX urgent care was bought out by XXXX hospital and they sent my debt ( XXXX dollars ) to the XXXX agency and when I found out I owed money I paid it but it was on the 30 day mark and the Wo n't call the collections agency to stop contacting me, I 've spoken to both the hospital, XXXX and collections and they keeping me running around in circles so that I have to pay a late fee, it 's all a money game and I do not wan na play, I pride myself on not oweing anyone money and I do not want this on my credit
Product: Debt collection

I received a bill in regards to medical debt I owed for {$6300.00} by the bill collectors of the Company of BCA Financials.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, ( appeared on my credit report ), is the result of that XXXX. XXXX. XXXX  XXXX ( XXXX ) XXXX. XXXX  XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I appreciate the effort to remove certain items from my file due to alleged erroneous reporting ; however, additional items still require removal. This complaint seeks to eliminate the remaining unauthorized hard credit inquiries from my credit reports. Upon reviewing my credit report from your bureau, dated XX/XX/XXXX, it became apparent that the unauthorized inquiries had not been addressed. Below are the unauthorized inquiries identified : -- -- -- -EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Please proceed to remove the listed inquiries in compliance with the Fair Credit Reporting Act. Should there be any other unauthorized inquiries not specified here, kindly remove them promptly. According to Section 605B ( a ) of the Fair Credit Reporting Act, any information opened without my consent, knowledge, or authority must be removed within four business days, provided there is ( 1 ) proof of my identity, ( 2 ) a copy of an FTC report, ( 3 ) identification of such information by me, and ( 4 ) a statement from me denying any relation to the transaction. Attached is my new FTC report # XXXX.
Product: Credit card

Upon applying for the Concora Destiny credit card I was charged {$250.00} for the annual fee.

I was completely unaware of this charge.

I immediately closed the account. I did not activate the card.
Product: Money transfer, virtual currency, or money service

This complaint is about PayPal 's failure to explain an email to me from them that discussed a transaction ( that was reversed/cancelled ) that I do not to this day recognize, I attempted for several hours to get information from PayPal, even talking to a supervisor to no avail. No one at PayPal in their XXXX call center can explain to me why I got the email, why I got it way after the alleged transaction, why the situation was that created the email and alleged transaction- nor can PayPal give me any details. I have XXXX PayPal accounts. They are in good standing. I sent the email I received from PayPal, that appeared suspicious to XXXX and all I got repeatedly was " canned '' automatic responses. No one responded to my questions about the transaction and the email. Then I called to no avail, sent the email in question as directed by a supervisor to XXXX from a different email address of mine from the one I received the email from XXXX ( and sent multiple emails to XXXX ). Still, no one could tell me anything about why I got the email in the first place nor more details regarding the transaction that allegedly was a money request that was cancelled. Given that I was the victim of identity theft through XXXX AND Paypal years ago, I am concerned. Despite my telling PayPal this, they appear not to care whatsoever and were of no use or help at all in just telling me to send it to XXXX ( which I repeatedly did with NO human response back ). I want to know more about this email and transaction. PayPal has an obligation to explain emails that they originate!
Product: Debt collection

Hi, I received a letter in the mail today, XX/XX/XXXX from Delivery Financial Services , LLC stating we owed {$64.00} from XXXX XXXX XXXX back from a service dated XX/XX/XXXX. In this entire time, my husband who received the service and myself, his wife never received one bill or one notification of this outstanding invoice. I have tried to get in contact with someone from XXXX XXXX XXXX billing department but haven't heard back.
Product: Debt collection

in 2018, I was contacted by an individual that stated that he was the owner of the dealership ( XXXX XXXX ) and understood that I had been behind on a payment and that he was at the courthouse to meet with the magistrate to swear out a warrant for my arrest. I stated to him that I had a XXXX wife and that was our only means of transportation at the time. He then stated that in lieu of the warrant that if he picked up the vehicle, he would call me back the next day to work out payment arrangements. I received no call back after they picked up the vehicle. I called XXXX XXXX and told them about what happened, the rep then stated that this individual that called me was not the owner. When I brought to their attention about their unlawful practices, they used in acquiring their vehicle the rep apologized and they zeroed out my balance. I had purchased XXXX other cars before that vehicle in which they all were paid. It was to my chagrin however, last week they reported an account that is over XXXX XXXX XXXX on my credit report, which caused my XXXX to fall XXXX points and my XXXX XXXX points. For years, the account has shown as XXXX until last week and has caused great harm and damage to my credit report and representation.
Product: Mortgage

I started a VA assumption Application as the Seller XX/XX/XXXX, Freedom Mortgage has delayed the assumption with unacceptable time frames to complete tasks, Like stating underwriting has a week to review submitted documents and then serially requesting new documents after long review periods. Freedom has basically requested document ofter document for over XXXX weeks further delaying the process. The assumption is not complete as of XX/XX/XXXX, although they gave conditions approval XXXX weeks ago then asked for new documents every other day leading into the holidays, and the office is now closed. It does not take 90 days to complete an assumption review and approval unless you don't care or have very poor processes in place. Freedom should not be allowed to service VA loans if this is how they treat veterans.
Product: Credit reporting

XXXX XXXX XXXX. the collection company on this case has re-aged my account with XXXX. This account was listed with another collection company and was found to be inaccurate and was removed from my credit report. Now this new collection company re-aged this account and is reporting inaccurate information. Equifax is reporting this inaccurate information.
Product: Money transfer, virtual currency, or money service

I contacted this web company in an attempt to buy a dog for my toddler. When I contacted them and they got back to me, I was asked to sign a bill of sale contract to purchase the puppy. During the process everything went smoothly until I made the XXXX transfer. The same day of the transfer I got an email from this individual saying that I would have the puppy by Saturday XX/XX/2020. When I contacted them the day before XX/XX/2020, I got no response and when I went to search for their website, it was gone. Internet pop up only said " we are working or creating something special '' Then I realized what happened. I called my Bank and when they researched the transaction to see if I could reverse it, they said they could not do that. What I found upsetting when I called Bank of America is that the associate informed me that the account where I transferred the funds to was also a Bank of America client. Regardless if this account being from there, they could not reverse the transaction. I created a claim but they denied my request. I was advised by the associate that the account of this individual would be frozen. I was so disappointed and sad I gave up. I didn't even want to think of what happened, but recently I was told to reach you about this situation and maybe you could help with this matter. The email I used while exchanging questions etc. is XXXX XXXX
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was checking my account and see  XXXX  different account in collections in my credit report, both are payday loans that I do n't know about