23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This company keeps billing me and then improperly applying my payments to the loan ( in different ways XXXX so that they can charge me late fees and ask me if I want a forebearance. They answer is " NO! '' I have income based payment set up and I'm trying to pay off my loan. They are conducting predatory lending practices. 

I have been trying to make regular payments but each month there is a problem with Navient. They do not apply the payments properly to the loan and then they charge me late fees. When I've tried to pay old late fees, of which I believe have been charged improperly, they took the late payment and applied it to interest and not the late payment ( which they billed me for ). When I called to complain they agreed to refund me the money I sent in to pay the late payment. They then refunded the money and sent me another bill claiming I didn't pay last month 's bill and charged me more late fees. I'm on the phone with then now and they are looking into the most recent issue. They see that I made a regular payment last month but they screwed around with where they allocated the money so that it was not applied properly and now I have more fees. They are telling me they are going to fix it but this issue occurs every month. Every month, they send me a bill, I pay it in full, then they apply it in a way other than how they billed me. Then I get changed late fees and offer me forebearance. 

his is all a trick to prevent me from paying off this loan and to extract more fees and interest from me. I need this situation with this company handled permanently. I did not agree to have my loans sent to this company. I need to the contact information to an agency or law firm who will investigate this issue in earnest. I'm not going to call these people to complain and fix the issue every month. I want this investigated and fixed or I'm going to take this even further.
Product: Debt collection

I have 3 years of payments to XXXX " XXXX XXXX XXXX on time without any late fees and my final payment paid in full. I was never in debt and never owed XXXX anything that I did n't already pay. A debt collector by the name of Mercantile Adjustment Bureau has some how stolen my account number, full name, previous address as well as current address from XXXX and contacted me by mail stating that I owe XXXX dollars and after contacting XXXX no such debt was ever owed. This is not only a violation of the privacy policy of XXXX but also has affected my XXXX credit score which will be considered defamation of character. This is criminal and must be dealt with. Questions : 1. How did Mercantile Adjustment Bureau obtain my full name, current and previous address and the account number I have with XXXX? 2. If XXXX did n't place my account with Mercantile Adjustment Bureau then how do they have all of my information? 3. If XXXX is saying this is a fraudulent claim then how can I seek full legal action against Mercantile Adjustment Bureau for theft of personal information, harassment and defamation of character?
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX  || Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  || Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  || Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against TransUnion and XXXX for violating the established credit reporting guidelines regarding medical debt. According to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and the policies implemented by the major credit bureaus, medical debts should not be reported on a credit file until at least XXXX months after the date of first delinquency. However, XXXX has reported a medical debt to TransUnion after only XXXX months, which is a clear violation of these rules. 

This premature reporting has negatively affected my credit score and financial standing. I request that TransUnion immediately remove this improperly reported medical debt from my credit file and that XXXX correct its reporting practices to comply with the required XXXX waiting period. 

I am asking for an immediate investigation into this matter and for written confirmation that the disputed item has been removed. If this issue is not resolved promptly, I will consider taking further action, including legal remedies and filing complaints with other relevant regulatory authorities. 

Please address this matter urgently. I can be reached at [ your contact information ] for any additional details. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was never late on the paid off account listed above Please show me documenration showing proof of transaction showing I was ever late to support your inaccurate reporting on my account If you can not supply this, please delete this alleged late payment from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX did not include my new credit card information with credit utilization rate. I am XXXX XXXX veteran who has XXXX kids. I tried to use my COE issued by US department of Veterans affairs to get VA home loan for my children. 
Credit utilization rate should be included in credit score and credit report. 
My FICO score is XXXX right now today, if transunion, XXXX  and XXXX  update my new credit info, it might be helpful for XXXX XXXX veteran and children. XXXX XXXX is better than XXXX for many good reasons for the middle class peoples and veterans. 

Department of XXXX XXXX REFERENCE NUMBER XXXX FOR LOAN GUARANTY BENEFITS SERVICE NUMBER SOCIAL SECURITY NUMBER XXX-XX- # # # # FUNDING FEE Exempt - SC with Monthly Award
Product: Credit reporting or other personal consumer reports

I have been tremedously impacted. According to 15USC 1681b Credit reporting agencies are only allowed to furnish consumer credit reports to those who have permissible purpose as defined by the FCRA. I have NEVER gave my written concent to share my information with a third-party ( TRANSUNION, XXXX, XXXX ) My privacy of educational records are protected under XXXX. I DEMAND my rights are not violated. I demand to see verifiable proof ( an original consumer contract with my wet signature on it between these 3rd parties ) you have on file of the accounts listed below. I demand the accounts to be removed immediately **XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$8200.00} OXXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID : XXXX RE : XXXX XXXX XXXX XXXX I was trying to open a bank account and I was informed that I was in XXXX XXXX and EWS. I attempted to get it resolved as I don't recall ever having a delinquent account with XXXX XXXX. I just received a response letter from XXXX XXXX via a CFPB complaint and they are saying that they are unable to verify my identity. If they are unable to verify my identity then that means that they are unable to verify who any alleged accounts associated with my name and consumer ID number may belong to. That being the case, any information that is being reported on me on XXXX XXXX and Early Warning Services is unverifiable an unable to be reported legally. As per section 611 of the FCRA. This inaccurate and unverifiable information needs to cease and desist from being reported immediately and also be deleted permanently. 

All of the alleged account numbers are attached All of these accounts need to be deleted and I am hereby seeking remedy of {$400000.00} for violations of the FCRA section 611 as well as damages for willful negligence and pain and suffering. Please make the payment to the name and address listed above and delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries on my credit report. One is on XX/XX/XXXX at a XXXX XXXX and the other is XX/XX/XXXX. I called the number no one picks up I constantly call I did not apply for a car in California when I live in Virginia. Secondly, yesterday XX/XX/XXXX someone tried to apply for a credit card from XXXX  XXXX with my information. I need that taken off my credit report because I did not apply for a credit card. I called Experian. They said they cant take it off because its an application of some sort in a hard inquiry. The people who submitted the application have to take it off I cant get in contact with them so we need to do something about this. Its ridiculous how this could happen.
Product: Credit card

I applied the Chase XXXX prime account at XX/XX/XXXX and it was approved. but I receive an mail from Chase my account will be closed on XX/XX/XXXX because of my previously closed account. My previos account was closed at the beginning of XXXX and I couldn't come back to US because of COVID. so when I got that mail from Chase, it was over 6 months and they didn't give me any reasons why they closed my account, just told me it was over 6 month and the account can not be reinstated. My account was closed by mistake 3 years ago and they did it again this time.
Product: Credit reporting

I have disputed bankruptcies on my credit report multiple times, after submitting a federal judges court order redacting my information. An representative of Experian by the name of XXXX XXXX personally closed out disputes making it difficult for me to reinvestigate. He has placed an alert on my file for no one else to assist me and when I am transferred to him he has not returned my phone call or answers the phone when you reach out to a different department the consumer assistance division told the switch board not to allow me t speak to any higher ups higher than his department.
Product: Credit reporting

Please note that below inquiries are duplicates as they refer to the same matter and the reporting is therefore incorrect. One of each the following inquiry must be removed pronto from my credit reports as duplicates inquiries were NOT authorized:1. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
2. XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
3. XXXX XXXX. Inquired on XX/XX/XXXX and XX/XX/XXXX. 
Thanks for taking urgent action and to give priority to this matter as I need to clean my credit report from incorrect information which unduly penalize my status.
Product: Debt collection

ALLIED COLLECTION SERVIC Last reported XX/XX/2019 {$890.00} Open balance XXXX XXXX XXXX creditor
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account name XXXX XXXX XXXX account number 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 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit card

Synchrony Bank, XXXX XXXX. This company advertise that you can make free payments through the automated account via telephone. The first time I had the issue was in XXXX. I called two days in advance approximately around XXXX in the morning, it stated it took the payment. I called back on the XXXX after I noticed my account had not been charged the payment to only find out it did not take. I was provided a confirmation number. So of course my account was charged a late fee and I was not late. With the automated and technology their system have record of me calling making a payment, even though they state there is nothing. The late fee was waived, but it should be removed completely as I was not late. 2nd issue, I called and tried using the automated again to make my monthly payment, it recognizes my phone, but then when you go to the automated, it will not let you put the payment you are trying to pay, it keeps asking the same questions over and over. Its a scam, directing the consumer to a customer service rep which charges a fee for paying as the automated will not let you pay. Needless to say, my payment did not get posted and again, I received another late fee. I called and complained about the issue of not being able to post a payment on the due date as the company advertises. 3rd issue, tonight same thing, called tonight to make payment and of course the automated will not let me do the payment again, it could n't get past the amount to pay. I kept indicating I wanted to make the minimal payment, it would not go past this. I requested an operator who waived the XXXX dollar fee, as I informed her I was filing a complaint against this company. The sad part is I have a JC Penney account that has the same bank and I do not have any issues with making payments, online or automated, but this credit card is the worse. This company is scamming people, manipulating the system for consumers to incur late payments or incur the cost of speaking with a rep to make payment as the system is not allowing you to go through the prompts via the automation. This company should be audited and all funds charged should be refunded to the consumers. A class action needs to be brought against this company as its ripping us the consumers off with its fraudulent practices.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account should be closed paid in full on time monthly
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. 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 reported to be removed. 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. XXXX  XXXXXXXX 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: Debt collection

Debt validation.Contacted company asked for detailed history of all payments made by myself asked to be shown signature of original contract as well as contact with Midland credit management stating I would guarantee payments to this creditor.Asked was any insurance claim made in this debt.And finally proof they had chain of title to collect on debt and date that they took ownership of account and contacted me.Spoke with several people last person was XXXX XXXX who stated I would receive it in the mail it's in medium package.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are injurious to my credit score. 

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

I have contacted the company several times this week by phone to request a payoff letter for my Parent Plus loan. Each time the wait time has been stated as 4-8 hours. They give the option to receive a call back, which I did. I received an automated call back, over 24 hours later that was the same generic recording, no live person. I sent an email 2 days ago, no response. I reached out on social media accounts, no response. I need a time sensitive letter and this company refuses to respond.
Product: Checking or savings account

Navy federal credit union automatically gave out full amount of funds during the pandemic when the child tax credit was issued. So if my account was over drawn by XXXX they would credit me the amount that was in the negative. I was told in XXXX that i was able to unenroll if I didnt want to continue. I was also told that I would be given the opportunity to start a payment plan once the funds were taken out of my account for repayment in XXXX Then I received a email that the full amount would be taken out in XX/XX/XXXX. And it never happened. Fast forward they did take out the funds of XXXX but it didnt happen till XXXX I was prepared for XXXX. Now I have a negative balance of XXXX and they refuse to allow me the chance to make a payment arrangement. Isnt this predatory banking?
Product: Credit card

Got a late payment notice from American First Finance LLC XXXX XXXX XXXX XXXX Texas phone number is XXXX stating I oue them {$210.00}. I called the institution made a claim, told me to file a police report. Did that with XXXX XXXX case # XXXX. When talking to the representative from American First Finance they asked for a 10 digit account number but on the bill its a 9 digit number
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted several documents supporting the bankruptcy as an error on my report. I finally have a letter from XXXX saying they have removed it from my record yet XXXX continues to say they are getting this information from XXXX, and continue to let it remain on my report which is a lie as I have a letter from XXXX stating they have removed it and that they have informed Experian
Product: Credit card or prepaid card

I XXXX XXXX bought some furniture at XXXX furniture store in XXXX XXXXXXXX I applied for credit and was approved for a {$6500.00} line of credit I bought the furniture on that credit line .... Then I paid my account off within XXXX days, since that purchase I had applied for a care credit card and been approved for that as well it was a {$9000.00} credit card limit of which I put XXXX or {$8000.00} on at my plastic surgeons office and paid that off again within XXXX or XXXX days. I then applied at XXXX 's jewelry store and they gave me a {$2700.00} credit limit of which I have not yet used... All of the sudden XXXX day I was contacted by synchrony Bank via email and told that my credit limit at XXXX was being reduced because I had not used it in XXXX or XXXX months. I then called up synchrony Bank and said if you're not going to keep my credit limit at {$6000.00} or XXXX there's nothing I can really buy at XXXX XXXX for {$250.00} so they might as well just close that account it would do me no good, to which I was told if you make us close this account you will never be allowed to get a XXXX XXXX card again despite having credit scores in the high XXXX and being on my job for more than XXXX years and making over {$100000.00} a year... To which I replied that would be okay that they should still go ahead and close my XXXX XXXX credit card. They closed the XXXX credit card ... Little did I know, an unbeknownst to me they also forced closed my CareCredit account which they had just approved XXXX days earlier for an {$11000.00} credit limit then they also force closed my XXXX 's jewelry account which I had yet to put anything on... All of these actions were taken to spite me for closing my XXXX credit card acct. I believe, this is not only unfair but an unfair credit practice to force close accounts that you were not asked to close that were in good standing with XXXX balances and had been paid off just recently. After calling synchrony Bank several times and the phone numbers on the back of my Care credit Card and my reads jewelry card I was told there was nothing they could do that the account had been forced by synchrony Bank and that I should contact them directly I tried repeatedly to reach them to resolve this issue but no one would help me. I pray that someone from CFPB CAN HOLD THESE PEOPLE ACCOUNTABLE FOR THEIR XXXX XXXX LIKE BEHAVIOR, I NEVER ASKED THEM TO CLOSE MY CARECREDIT ACCOUNT NOR DID I ASK THEM TO CLOSE MY XXXX 'S JEWELERS ACCOUNT. This behavior is a very unfair business practice.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account was paid off in XX/XX/. Vehicle paid in full.
Product: Debt collection

I am asking for proof of debt but collection agency is unable and unwilling to send proof of debt. I never received a bill from original creditor. When talking with original creditor they no longer had my information on file. I am needing proof of the actual debt and what and why Im being charged
Product: Checking or savings account

Using Zelle through XXXX account, {$300.00} was transferred and goods were not received. Person indicated they would email electronic tickets once I sent screenshot. I sent screenshot and they said wait. The time passed and I never received email or transfer. While the transaction was still pending I tried to stop payment and the bank could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called XXXX XXXX in reference to my business vehicle reporting on my personal credit And thats not supposed to happen so what you shouldve only been on my business credit the rep at XXXX XXXX state it theres nothing she can do about it and that I need to call the credit bureau which I did and nothing has been done.