23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

CitiBank was my Student Loan Lender until XX/XX/XXXX. My loan has since been sold to XXXX. <P/>On XX/XX/XXXX my father unintentionally made a {$1500.00} payment to my old CitiBank Student Loan Account through his XXXX XXXX on line payment checking account. In the past, he had occasionally submitted payments to assist me with paying down my student loan debt with Citibank. As such the account was still in his online payment menu. The {$1500.00} payment was intended for a different recipient. As documented by XXXX XXXX in Exhibit A, the payment was processed to the CitiBank on line Payee and accepted by the account as listed below : Citi-The Student Loan Corporation XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX Student Loan Acct No XXXX To date, it appears that above account is still active and accepts on line payment, even though Citibank maintains they have no record of the account number, they have since closed the account, and closed accounts will bounce back the payment automatically to the originator. It is also my understanding, they no longer have a student loan operation. As of XX/XX/XXXX, no payments have been returned by Citibank or XXXX. XXXX states the payment needs to be returned by Citibank ; Citibank states that XXXX needs to rescind the unauthorized payment from their end. As a consumer, having spent 20+ combined hours in person and by phone, my Father and I are at this point seemingly powerless to large institutions who do not seem to care enough to do what is right by their hardworking customers. As such, we are filing an official complaint with CFPB.
Product: Mortgage

I sent a check to my mortgage company, Specialized Loan Servicing on XX/XX/2018 for the full amount of XXXX monthly payment. I have until XX/XX/2018 to make the payment. The company did not cash my check, however did an ACH direct withdrawal from my bank account for the full amount. They have not posted that payment to my mortgage. I have been in contact with them since mid XXXX and sent them the information multiple times. They are reporting late payments each month because when I mail my current payment, they are applying it to the month outstanding. I can't get a copy of the cancelled check because they did not cash it. My bank has told me to send them my statement showing the ACH Payment coming out of my account. I have done that multiple times in the ways they have told me to send it in. Still, the payment does not reflect as being applied to my mortgage. They have listed me as late on multiple occasions, because they put my payment into a " holding '' account and then remove it and reapply it. I have called and written them, and can't seem to get anywhere. I filed a written complaint to the Dept of Savings & Mortgage Lending link on their website and they tell me they are not the correct people to contact and gave me this site to file a complaint.
Product: Credit reporting or other personal consumer reports

in XXXX of XXXX a cXXXX XXXX bankruptcy was reported on my XXXX, XXXX, and Experian. I myself have never filed bankruptcy. I then reached out to the credit bureau requesting to disclose who reported this information. they then responded and said the courts, I contacted the courts they stated they don't report to credit bureaus. I sent another letter in XXXX of XXXX requesting the same info, the credit bureaus responded and stated " XXXX XXXX ' provided them with the information. I reached out to XXXX XXXX to inform them of the inaccuracy and they REMOVED the bankruptcy from my XXXX XXXX. I then sent the credit bureaus the removal from XXXX XXXX  and on XXXX updated my profile and removed it. the last couple of years I have been going back and for with Experian and XXXX about a bankruptcy that is not accurate and they will not remove it nor will they give me some proof on why they believe it belongs to me
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EQUIFAX for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/2018 I noticed my fico score dropped around 50 points out of no where. This was apparently due to a serious delinquency according to my fico score. I retrieved all 3 credit reports from the credit bureaus and there were no issues regarding a delinquent account. I called XXXX and apparently one of my student loans from navient hadnt reported in a while so I filed a dispute and that was eventually resolved. Being that is was a year ago I dont recall the outcome specifically but I believe they began reporting again. Now, a year later, my fico score is still low due to a delinquent account. I still do not show any delinquent accounts. I called the loan company ( Navient ) who assured me all my payments were on time or there was one late payment when navient took over XXXX and I sent a check to XXXX instead of navient but navient assured me about 2 days ago that wasnt reported. Additionally if it was reported its ridiculous because they changed companies and where my check has to go wasnt where my auto payments sent it. Again there are no delinquent accounts or missed payments on any of my credit reports. XXXX has basically said I have to call the loan company navient and navient has said I have to call XXXX to resolve this issue. I am looking to get a mortgage in the near future and my fico score is being affected by a phantomlate payment.
Product: Mortgage

In XXXX of XXXX, an error occurred and BMO Harris did not receive proof of my Homeowners insurance. Due to another error, BMO was sending notifications of this to the wrong address, and also calling a phone number which was not mine. BMO bought homeowners insurance on the open market at a very high rate and adjusted my escrow. This is when I noticed it on my mortgage statement online. 

After correcting the address in their system and the phone number, they assured me that everything would be fine. They did an escrow assessment and sent me a check for {$1500.00} for an amount that the escrow was over. They assured me that the prior due amount would be adjusted on a future statement. 

Since then, they have not been applying my mortgage payments ( which are automatically debited from my checking account ) correctly. It is complicated for me to understand, but because of how their system works, they will not book a partial payment, but only a full one. For some reason, this error has been accumulating and is now saying that my mortgage is a full month past due and they are demanding I make, essentially, double mortgage payments. I can show in my checking account that the correct amount has been debited every month on the correct date without failure. Their website does not allow me to easily see more than a few months back and they are saying that I need to show them where the error took place. It seems like they are trying to make ME audit their systems without full information, something they should  be able to do. A phone representative ( XXXX in their customer service ) even said that it appeared everything should be current. 

I talked to Their representative several times over the last few months about this ( Once around XX/XX/XXXX ) and was always assured that they would escalate it to their Escrow department, and that someone would call me within 48 hours. I have never received any calls from their Escrow department and the issue has not been resolved.
Product: Student loan

I have had a student loan since XXXX at 2.125 %. It was unfortunately sold to Navient years back and have been paying {$320.00} since XXXX. 

Then Covid19 came and then student loans were suspended I just received a letter saying my interest rate is now 3.125 % and my monthly bill for the next 137 payments is now {$340.00}. 

This may have been a clerical error on Navients part. However trying to get a competent customer service rep on the phone is impossible even if the situation is explained multiple times. 
In addition if this was an error, how many other errors have they made?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent over a month calling this company and getting representatives that tell me hey agree they see my payment history and i should not have not one missed payment. They only thing I owe is excise tax, which i never got a copy from my town or the car company. When i call in i keep get a recording and i can not get an American representative one of the reps n the XXXX told me because there is an outstanding balance on the account which i do not owe! My payments are {$380.00} and i have been over paying for almost a year and a half to work on the excise tax as agreed by one of  their reps. They are also trying to charge me a XXXX late charge and i am not late! 

I am attaching all of my payment history which anyone can clearly see there is no late payment in XXXX of 2020 as being reported to the credit bureaus. I am totally exhausted from trying to rectify this matter on my own, I disputed, wrote letters, i made calls and they say they are going to correct my payment history but they do not. Please help me.
Product: Vehicle loan or lease

I couldn't find one that stated the issue with the loan company. I paid off my car in XXXX. I asked for payment history in XXXX and twice in XXXX. I attempted to reach out asking for copies of my payment history on the loan. 

They said they would email me each time I reached out after I told them I had not received it. I have the right to collect that information on the payment history. 

NMAC Finance Account Nissan
Product: Credit card or prepaid card

RE: Citibank Credit Cards;I had my account on auto-pay when something caused the payment to not go through (XX/XX/XXXX  payment was rejected); I was NOT notified via phone of the issue, as I had previously asked. I opted out of auto dialer several times as I do not answer solicitation calls and they do not leave proper messages. I had asked them to call only with a live person if there was an issue with my account. When I called in they told be they used the auto dialer, of which I never received a message from CitibankThey reported me 30 days late to the credit agency without proper notification of being late. I had even logged on to check the account (since they did this one other time) and there was no notification that the payment was late or that the payment has been rejected. I have pictures of the screen to prove it.  This is deceptive practices and I feel I have not been protected as a consumer. I feel they are intentionally not making it apparent that the payment is late to get paid fees and penalties. They intentionally made it difficult see the payment was returned! I checked the website after the payment was supposed to go in XX/XX/XXXX  and again inXX/XX/XXXXand the system gave no indication the payment had not posted. I only noticed because I had not used the card and the balance increased from fees. I was 55 days behind with no knowledge. I have perfect credit other than this creditor, including holding many other cards that have never had this issue.The shady part was the transaction and activity section did not show any returned payments or a fees until AFTER I closed the account and paid it off.  This is a BIG issue for consumers and I feel they need to be investigated for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves XXXX, XXXX XXXXXXXX, and Capital One. 

I have held an XXXX credit card for several years, and historically it was associated with an account at XXXX XXXX. I had automatic payments set for that account and never had a late payment. 

In 2022 XXXX switched providers to Capital One. I do not recall receiving any notice of this change, and the first I heard of it was when I received an alert that my credit score had dropped by nearly XXXX points. This change was made before I received a new credit card showing any kind of Capital One logo, and the automatic payments that I had set up at XXXX XXXX did not transfer to Capital One. 

I brought the account up to current in early XXXX immediately after learning about the issue, and in XXXX I mailed a letter to Capital One describing the issue and requesting to have the late payments removed from my credit history. Capital One responded on XX/XX/XXXX that they were unable to do so. 

I am requesting to have the late payments removed from my credit history. The change between credit providers was made without any input on my part, and had it not taken place my automatic payments would have prevented the issue from occurring.
Product: Mortgage

I applied for a home loan with Caliber Home Loans ( switching from a different lender ) because their loan officer advised that she would offer a lower interest rate and be able to close on the home within 20 days of application. 

At this time, prior to the lender switch, I advised the lender ( Caliber Home Loans ) I would have to pre-occupy the home prior to closing due to my lease ending and the assured me and my realtor closing in 20 days would not be an issue. 

The loan officer ( although provided all documentations same day as application ) was not able to close within the time frame provided prior to switching lenders. 

The loan officer XXXX XXXX ignored phone calls, emails, and text messages from myself, my realtor, and the seller 's agent. 

After 26 days passed, I reached out to the lender 's direct manager XXXX XXXX who promised to assist me and assured me closing on the house would not be a problem. With no update from him in three days, I reached out for additional information. I reached out and he then had his boss XXXX XXXX call me to let me know they would not be moving forward with my loan. At this time, I explained the entire situation with XXXX. 
1. I had a loan approved, still valid and ready to close with another lender that I was advised to cancel because Caliber Home Loans wanted to take over my loan. 
2. The promises made were not kept by any team member in this company. 
3. I paid moving fees along with a {$2500.00} deposit to move into the home prior to closing because I was promised we would be able to close on the home in 20 days. 
4. In addition to the deposit, I paid {$1000.00} for 20 days to live there and an additional {$600.00} for the day overs that we did not close. 

XXXX XXXX advised me to email him all expenses which I did and he would update me by end of day on XX/XX/2020 on how the funds would be paid out to me. 

On XX/XX/2020 My realtor reached out to XXXX by phone after he ignored multiple of my phone calls and he ignored her call. She then reached out on her personal phone and he answered. Once she introduced herself he disconnected the call. 

On XX/XX/2020 I had not heard from XXXX so I reached out to his boss XXXX XXXX. XXXX advised I send him an email and include XXXX XXXX and he would make sure that I received my response. 

It is now XX/XX/2020 and I still have not received any response to my calls, texts, or emails.
Product: Mortgage

My spouse and I recently ( XXXX ) purchased a home through a mortgage broker. After the loan closed, my spouse inquired with the mortgage broker about a home equity line of credit ( HELOC ) on our home. The mortgage broker said his company had a relationship with Vectra Bank and would forward the information to Vectra Bank. I was aware that my spouse was wanting to do a HELOC but I did not want to be on the loan. In XXXX 2016, I received a letter in the mail from Vectra Bank showing they ran my credit report and what my credit score was. My spouse and I did n't know why they ran my credit when I did not apply for a loan. I did not contact Vectra Bank at that time, I just assumed they were requiring me to sign on the loan. On XXXX XXXX, 2016 I received a call from the lender at Vectra Bank regarding the HELOC and that they might be able to give us more than was requested. I asked him why they ran my credit report when I did not sign anything allowing them to run my credit. I told the lender I was not wanting to be on this loan. He said he would look into it and call me back. When I talked to the lender the following day he said I would not need to be on the loan because my spouse would qualify without me. The lender was not able to answer my question as to why they ran my credit when I did not apply for the loan. The lender also said they could not remove the inquiry on my credit. On XXXX XXXX, 2016, I received a Notice of Action Taken and Statement of Reasons. The letter said my application for credit dated XXXX/XXXX/2016 was not able to be approved because the value or type of collateral was not sufficient and they had a counter-offer. 
My complaint is I never applied for credit with Vectra Bank. I did not complete a loan application and they do not have my signature saying I authorized them to pull my credit report. The lender knew this mistake and sent me a denial letter when he knew I never applied for a loan. I believe Vectra Bank violated at least three regulations : FCRA - for not receiving my authorization to pull credit and for not having a permissible purpose to obtain my credit report. They did not have a permissible purpose because I never applied for this loan. 
ECOA - Reg B ( signature requirements ) - for assuming I was a co-maker on the loan request. 
Reg P - Privacy - for reviewing my credit without my authorization. 
I believe Vectra Bank could have a problem in this area. When they receive a loan request through a mortgage broker, they should contact the individuals to make sure they are wanting to do a loan and have them fill out the proper paperwork. They should not make assumptions especially when they are dealing with people 's credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a dispute letter to Equifax requesting that a XXXX showing on my report from XXXX be deleted. I also sent Equifax a letter from XXXX where they confirmed that the Bankruptcy information is not appearing on my XXXX report. I also attached a letter from the Bankruptcy court stating that they are not the furnishers of information to the Credit Reporting Agencies. Those documents are attached to this complain. 

On XX/XX/XXXX, Equifax opened an investigation regarding the dispute of the Bankruptcy. 

On XX/XX/XXXX, Equifax concluded it's investigation of the dispute. As a result of their investigation ( or lack thereof ), Equifax stated to me that XXXX " verified '' the Bankruptcy as accurate.
Product: Checking or savings account

In XX/XX/2022, I went to PNC in XXXX ( XXXX XXXX XXXX ) to add my son to my account. We were assisted by XXXX XXXX and she had to call for help multiple times on how to execute the request. We were told signature cards only had XXXX lines and had to specially request XXXX from corporate with XXXX lines to add him. The card arrived at the branch and was faxed to a branch near my son for his signature and faxed back. During this process the XXXX branch noticed that there were errors - the names were incorrect. The XXXX branch told the XXXX branch was told they would need to fix the account names. XXXX stated she could not fix without her XXXX and were told to cross out names and it would be fixed later. Next, the accounts of my sister were crossed with mine sent to the wrong person at the wrong address. The bank closed my sisters account in error on which I was a signer and her retirement check could not be deposited. A check came in for payment and overdrew the account. The bank then deducted funds from my account overdrawing it to pay for the OD caused by the banks error. The bank sent threatening letters to us for {$10.00}. We are elderly and have struggled to get them to fix this and understand their processes. This was not our fault but we have been threatened and penalized.
Product: Credit reporting 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  NAMES NOT RECOGNIZED XXXX XXXX XXXX ADDRESSES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES NOT RECOGNIZED 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: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke to the credit bureau about the items and was informed that they would be removed. I provided everything that was asked of me. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am XXXX XXXX born and raised in Alabama and I have lived here all my life. Someone is using my identity in XXXX XXXX Nevada. Please see attached information. These addresses on my credit file are not mine and no way affiliated with me please remove ASAP from all 3 credit Bureaus. 
XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX. Nevada XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX, Nevada XXXX XXXX XXXX XXXX XXXX XXXX, Nevada I have uploaded over XXXX years of Alabama XXXX state Drivers license and state ID as well as my Alabama XXXX food stamp card and a piece of mail Someone has stolen my identity and using it in XXXX XXXX XXXX Nevada I received a email awhile back that my information was found in a credit breech or some type of breech with XXXX and XXXX and I didn't understand what it meant until I went to apply for the XXXX Senior Living and found out someone has been using my identity.
Product: Credit reporting or other personal consumer reports

The following accounts I have disputed on multiple occasions. I did not have accounts with the following companies yet they still are on my credit report. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX