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

Once I realized in mid XXXX that my 4 accounts were reduced to 3 accounts with Navient student loan company, i contacted them. First i was told it was still 4 accounts and that I am not due to pay any amount since my loans are on administrative for forbearance. Same year, I got a credit score report with my score plunging down due to derogatory reports from Navient that one out of four loans was in charge off/collection. I started to make numerous phone calls, send emails and postal mails with dates. 

I would stay long hours on the phone to resolve the issue, I even disputed credit reports through the credit unions all to no avail. My credit score continues to be affected by this monthly derogatory report and am not able to qualify for any credits whatsoever because of it. 

I made many calls requesting that my one account gets moved back to the current accounts like my 3 other accounts. I sent so many emails until they stopped accepting emails from me and I would get undeliverable messages from Navient. I do not know who else to go to and what else to do. Legal actions do take time and money so I was advised to file a complaint through this website. 

The last time I tried to solve this was Friday XX/XX/XXXX on or around XXXX. I spoke with XXXX XXXX then XXXX XXXX, then XXXX XXXX who went through all the payments and determined that the error was made in the manner they split my payment.

I always made one consolidated payment for my 4 student loan accounts that is sending only one payment. According to XXXX, she determined from her search that at sometime in XXXX of XXXX they made the mistake and missed one account when they were crediting all 4 accounts. 

According to XXXX, she said that in XXXX, they reported the account since it was in collection/charge off to credit reporting agency. XXXX finally indicated that this can be fixed since she is able to locate the reason and it can only be done by customer service. XXXX XXXX then transferred me to customer service escalation team rep XXXX XXXX to fix the problem. XXXX said she will contact the necessary departments and get it resolved by pulling it out from collection/charge off. 

I have continued to be in contact with Navient staffs and no matter the promises I got that it will be fixed, it was never done. I plead that you help me resolve this as my credit score has been bad for years because of this monthly reports. In addition to these derogatory reports, the loan amount continues to increase. I even sort an attorney to discuss this, after the attorney reviewed all the files I sent to him, he wrote them and was on the phone with me and them in XX/XX/XXXX when they said it will be resolved by customer service escalation team, XXXX.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, The issue is based on complaint dated XX/XX/2018 between Chase and XXXX XXXX XXXX XXXX Complaint ID:XXXX and the complaint was resolved. Therefore, in resolution chase requested me to submit my bank statement and any details to locate an account with me with XXXX XXXX XXXX.

Am here by submitting the bank statements and the National registration card as proof of identity documents to be forwarded to Chase bank as per request to transfer the funds via XXXX. Chase wrote to me on XX/XX/2018 that they need more information from me before they can research my request.According to my best knowledge this issue have reached the final stage if Chase bank can access the documents which is attached as per request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed complaints with the credit bureaus regarding several concerns on my credit reports in the past. I've had identity theft several times in the past in which I submitted letters stating to contact me directly on XXXX in the event there is credit being pulled in my name without my consent. I have obtained about 20 or more inquiries with no creditor reaching out to me to verify, that it is me requesting credit. 

I want all of these issues resolved and inquiries removed from all 3 of my credit bureaus reports. Why should I constantly have to mail letters regarding this if I have a fraud alert on my report with my phone number to be contacted and it's still not being done, but my credit is being pulled without my acknowledgment.?? 
I request immediate resolve to the unauthorized credit inquiries and credit sought out in my name removed. 

XXXX Transunion XXXX
Product: Credit reporting or other personal consumer reports

to whom it XXXX concern : cease and dimiss Experian credit bureau I am writing to formally request a cease all communicatons with me regarding and related matters in accordance with the provisions of 15us1692c ( c ) ( a ) of the fair debt collections practices act. Dispite previous attemtps to resolve issues and dispute, I have continued to receive communication to have caused undue stress and inconvenience. I am exercising my rights to demand that Experian credit bureau cease all further communications with me regrading any debt-related matters. Please be advise that any further attempts to contact me will be considered a violation of the federal law.. Thank you for your prompt attention to this matter. your cooperation is comply with this request is appreicated.
Product: Money transfer, virtual currency, or money service

Hi, I have a huge problem with the information giving to me. My name is XXXX XXXX, a fully XXXX veteran of the XXXX XXXX. When I was serving an XXXX loan was taken out and due to myself being injured and unable to care for myself for quite some time, the loan defaulted. I've been contacting Penfed to satisfy the loan and reestablish my account with no further restriction afterwards. I've spoken to multiple people who told me once my past balance was taken care of all restrictions would be removed. For quite some time, all representatives haven't been able to get in touch with the person ( only person Penfed has ) who handles removing restrictions and updating the loan balance XXXX XXXX. I've been calling for a little over a month now, and the supervisor of one of the reps finally got in touch with him and he is now saying that the restrictions wouldn't be removed for me to enjoy Penfed and it's services to the fullest. Not only is the information he's just responding with completely opposite of what i've been told by everyone else, this has created quite the dilemma as professionals. Had Mr XXXX XXXX been available at all during any of this process, information could have been given out among each other accurately. The loan that we're speaking of is outside of the credit bureau reporting timeframe and did not have to be paid at all. It should not be this hard to have this taken care of in such an established organization. I am asking that this be looked into, I was told that upon satisfying this debt that I would not be penalized at all and able to use all services and products. Please allow myself to be removed from all restrictions and able to use all services and I have done what was requested but what I was assured has not been done on Penfed 's end. Also, for XXXX XXXX XXXX to be the only person handling the department he is in, he should be more readily available to handle customer 's needs. The turnaround on emails from his colleagues is crazy. I was told by the representatives of Penfed that after payment, all restrictions would be removed. If this is not true, then illegal tactics were used on me to satisfy a debt that i'm not even sure was even mines. I just wanted to be able to be with Penfed again. This loan is outside of the window for collection by law and I did not have to pay it. I did it because I was assured something that has not happened would happen. This is not good business practices and I was taken advantage of.
Product: Credit card

barclays credit card interest charge fees added to my account todays statement most recent balance was {$1800.00} charges of {$37.00} added to my account now my balance is now {$1800.00}. i need help statement from post date of XXXX XXXX. i lost about {$25.00}
Product: Credit card

I opened account with Care Credit via Synchrony Bank in XXXX, 2015. 
I have never been late or missed a payment. 
Most months I paid more than the minimum. 
In XXXX, before the due date of the XXXX, I made a {$50.00} payment ( minimum said {$26.00} ). 
Synchrony Bank, however assessed interest on my account on XXXX XXXX, & then reported an over limit on my account on XX/XX/XXXX.THIS IS TOTALLY UNACCEPTABLE. 
I should have been given until the next month to reconcile interest charges assessed after the due date. 
I called few times to speak with rep at Synchrony, however, was simply told that they could add interest anytime they wanted, and then report to credit bureaus anytime. 
The credit bureaus notification against my account is listed as a late or missed payment! 
I have the card statements & letter from Synchrony if needed.
Product: Mortgage

Harmon Law PC has been sent a demand/automatic stay letter for 940 CMR sub section 7.08 and affidavit of automatic stay, both have been ignored. Harmon Law on behalf of XXXX XXXX XXXX XXXX XXXX not only has ignored these rules etc.. but also has gone ahead with putting notice of land court active military test in the local newspaper stating that their client XXXX XXXX XXXX XXXX XXXX has taken possession through assignment which again has not been proven.See attached which has been sent to Harmon in a XX/XX/2018 and ignored after sending me a letter stating that this process in on Hold. this is an illegal foreclosure whereas Harmon Law is proceeding without legal process. Both were sent via certified mail mail number is on top of the attachment letter. As you can see in the letter from Harmon Law PC dated XX/XX/2018 they in writing stated to " HOLD '' until this is met and have NOT!! I am requesting the CFPB do their jobs and hold Harmon Law accountable in keeping the laws and not breaking them as they are doing here. This is an illegal attempt!! Please see my evidences attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX .... Balance : {$6600.00} XXXX XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : -
Product: Payday loan, title loan, or personal loan

XX/XX/2022 IAPPLIED FOR A SMALL BUSINESS LOAN ON WELLS FARGO XXXX XXXX XX/XX/2022 and XX/XX/2022 i started complaining and getting nervous about the process XX/XX/2022 I start calling the small business lending XX/XX/2022 i start sending emails, faxes, visits to the branch etc. 
XX/XX/2022 finally the bank start the process and starts reaching out to me XX/XX/2022 more problems, no communication. 
XX/XX/2022 They run my credit score for a second time when i was already approved and they call me to tell me they denied everything.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX 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 in ( MONTHS REPORTING LATE ) 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. 


( SELF / LEAD, XXXX XXXX XXXX, XXXX, XXXX, 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 already have been waiting fifteen days to get a banking statements for the last eight months and have been with this financial institutions for the last three years? What I find remarkable to be a finanacila institution and not be able to furnish bank statements? I am very appalled and upset? Especially when you have double standards and certain special procedures? I was hopeing for the last three to four weeks if you can find out why American exspress debit credit card can not send a ( 6-8 ) months bank statements please? And if you are able? to find out please? I would appreciate an honest answer? Or possibly the report from there institution asap? sent to ; XXXX, XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to obtain a free yearly credit report from Equifax six times today through their automated process. The process is made to be as difficult and confusing as possible and usually ends with their commercial, no further action, and a disconnection after about 10 minutes wasted on the telephone. I finally found a way to reach a live person by going through their ADA required feature. The first time I reached a live person I was told that their systems were updating and to call back, after spending over 10 minutes on the call. Please note that I was able to get a free credit report from XXXX  and XXXX   in less then three minutes. From this experience, I must deduce that either Equifax has some serious internal problems or worse, they are intentionally making it as difficult as possible to obtain a copy of your credit report as required by law.
Product: Credit reporting

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, PA XXXX XXXX Account Number Num : XXXX Balance {$190.00} Dear Sir or Madam, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/XXXX I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the national XXXX. 

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

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXX/XX/2022 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Several months ago I had to replace my debit card before I did so I was always on time with our payments but I didn't realize that the card on file with the old one and the payment started bouncing but I didn't realize that that was why I tried to call customer service to find out why I was getting the payment not paid however I discovered that you can't contact them to the phone number so I just kept trying sometimes I would accidentally click the old card and it wouldn't let you cancel you'd have to wait until the payment bounce then try again which would accrue another {$15.00} charge every time the payment didn't go through had I known that was the reason my payments were going through I would have fixed it however their customer service is not good originally I started emailing them to try to find a way to ask them to waive the {$15.00} charges because I'm having trouble with covid finding a job and making my bills however I'm having a terrible time contacting the company I've given them all information required to find me however they refused to speak to me unless I have the original email I opened the account with which I no longer have access to when you call the phone number it tells you to email when you email it tells you to call it's a big run around
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a fraud alert was placed on my Equifax report. I did not request this fraud alert. THIS CAN NOT BE REMOVED VIA THEIR WEBSITE. I have sent three handwritten letters to Equifax containing more than the information they requested. I keep getting letters back saying that they could not verify my identity. I have sent my drivers license, social security card, four utility bills, and my paystub. This company simply refuses to remove the fraud alert from my credit. Attached is everything I have sent to equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to report my account 30 days past due. Recently, my account was reported 30 days late for XX/XX/2023 and XX/XX/2023. First, XX/XX/2023 payment is not due until XX/XX/2023, today is XX/XX/2023 so the XX/XX/2023 payment is not due at this time, however XXXX has reported it 30 days past due to credit agencies. Further, XX/XX/2023 payment was made on XX/XX/2023 one day before being 30 days past due. I have also attempted to make my payments online and XXXX blocks my account for online access where I can't pay my bill. I have these calls recorded where reps tell me I can't make my payment online due to the balance being past due. Reps have claimed they would put a ticket in to fix this ongoing issue, but it continues to happen. I am also told by reps that if I have a past due balance and a current balance they will report me 30 days past due even if the past due balance is paid before the 30 day mark of being past due. I have bank statements and print outs of my bills to show XXXX is continuing to report inaccurately on my credit report. I am asking that 30 day past due reporting for XX/XX/2023 and XX/XX/2023 is removed as it causes material harm to my credit. My credit score has now dropped over 50 points due to XXXX ' inaccurate reporting.
Product: Credit card or prepaid card

Bank of America in XXXX, CT has the worst customer service. I have a Power of Attorney for my father 's business account. In XXXX I called the customer service number in order to dispute 10 transactions that I deemed fraudulent. I was told that I needed to fax in the POA. It is now XX/XX/XXXX and the problem may have been resolved. In XXXX, I waited 10 business days and called the fraud number. My name wasn't attached to the business account. I called and got a regional manager who said he would assist. I then went into the XXXX, CT branch and an employee seemed to try to assist. He supposedly made phone calls. The XXXX employee said I had to re submit the POA. Then XXXX came. I waited 10 more business days and nothing. The XXXX employee said to wait 30 days! Months go by and the regional manager had me speak with his co-worker who was to assist. Then XXXX came She then sent a XXXX envelope to re send the POA. I continued to question if these people were really helping or just placating me. I sent the POA 3 times. In 5 months my name was never attached to the original POA. I obtained a Durable Power of Attorney which had my sister 's name attached. I sent that to the District Manager and suddenly she was able to speak to someone regarding the fruadulent charges. I seek to find out why this took 5 months. Excuses over the 5 months # 1. The pandemic and not enough staff to put my name on the account. # 2. We don't know why your name hasn't been added, send the POA again. # 3 your name was added to the wrong account not the business account. Are the Connecticut employees that disorganized or did they just not want to help me? I was always told that my name would be added. I would call land nothing. Lie after lie after lie. Five months is too long to get this fixed.