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

My account with 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 XXXX to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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 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: Checking or savings account

I went to the Huntington ATM at XXXX XXXX XXXX, XXXX OH XXXX to get money out of my savings. I entered {$180.00} and then it asked what denominations I wanted. I put in the amount of different bills and it immediately gave me my card back and said I needed to call Customer Service as the transaction could not be completed. I knew I had at least {$300.00} in the account. I immediately went to my car and looked at the app. It showed it posted to my account as if I received the funds. 

I called Customer Service where I waited for 45 minutes just to speak to someone. It was escalated to a XXXX who said he filed the dispute and it will take up to 10 days to get my money. I said WHOA WAIT ... I put that money into your financial institution in good faith and now its going to take up to 10 days to get my funds back that I trusted your machine to give me? He said well ever since we got the new machines we have had issues. I said not my problem. It IS my problem that I don't have money and you will not be providing me an immediate credit. I said run the camera 's, balance the ATM ... DO SOMETHING!!! He said they can not do that. 

I called again today to follow up and now being told they had to wait until it posted to my account which was yesterday and again, it can take up to 10 days. NOT FAIR!!! I trusted them with my funds. Now I have to close my accounts and bank elsewhere. It did not even provide me with a receipt. 

I am just getting the run around and of course no one at the branch answers the phone. It all goes to voice mail. I work for a living and can not physically get to the bank during normal business hours. Can you please help me? 

Thank you and have a good day!
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I was making my student loan payments on time. My Father passed in XX/XX/XXXX. I notified Navient that my Father passed. I was in good standing with Navient. Upon hearing of my Father 's passing from me. Navient transferred my loan to a Collection Agency called XXXX. I made another call to Navient, asking them why my loan was transferred to XXXX. The Navient Representatives ( I talked to several CSR 's ) did not know why my loan was transferred, when they could see I made my payments, and said they can see in my account that my payments were on time. I called XXXX, and they said, I have no rights to talk to them about the Private Student Loan. And would not discuss the Private Student Loan with me. They sent a demand to the Estate Lawyer that they are collecting from my Father 's Estate. 
NAVIENT has been reporting to the credit agencies that I am late, They have now reported that I am in default.. I have been handed over to XXXX for full collection of the loan. During this past year, I have contacted Navient, and they would only say, that they would fix my credit when I showed them proof. I emailed them that proof on XX/XX/XXXX. They transferred my account to XXXX, which is collections in Navient as I understand it. In addition, Navient has transferred my loan to a company called XXXX. They are demanding {$12000.00}. This is more than was owed on the loan to begin with. 

With an open Estate the Courts rules " the personal representative should not pay any claims until after the time for filing claims has expired '' Furthermore, a " Notice of Rejection '' was sent to XXXX 's and they did not respond to the notice by the date specified in the notice to creditors, and according to Estate Court rules, Navient is forever barred from collecting the debt. ( G.S. 28A-19-3 )
Product: Mortgage

On XXXX XXXX we lost our XXXX air, and here in Alabama it gets hot. I spoke with the mortgage company about the missed payment which would be for XXXX. We are trying to get back on track, Im not sure what the back balance, I received a letter stateing that XXXX was due. My father is a XXXX Veteran, he's on XXXX XXXX ( 3 times a week ). Plus he is a XXXX XXXX. My mother is trying to get a company to help with to replace the XXXX air unit. We are trying to get caught up, but its been trying. We are able to XXXX payment. But the mortgage company wants all of back balance. I filled out papers in order to get a extention on the loan. I have not heard from til the letter I received yesterday by mail, that was on Monday XX/XX/XXXX, for XXXX 's payment. We are really trying. But we fell behind because we are trying to get a XXXX unit.
Product: Credit card or prepaid card

I was charged a late fee because The Credit card company told me that I did not make a payment on time, that was simply not true. I called and spoke to a representative who at first apologized for the mistake and waived the overdue payment. I then received my next months bill with a past due amount attached to it. The waived past due payment from the previous month was attached to this payment. I called and spoke to a representative who informed me that It was because of the previous month past due amount. I told them that it had been resolved. I was then told by the representative that the person who waived the fee shouldn't have, even though i was not at fault. I was told that they do not make mistakes. I was also told that I was over drafted because of fees they added because of the past due amount. My monthly payment was almost tripled. I firmly believe this is wrong and that they are taking advantage of people who can not get normal credit cards.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ERC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 
ERC ( Original Creditor : XXXX XXXX  ) XXXX {$360.00} ERC ( Original Creditor : XXXX XXXX ) XXXX {$1000.00}
Product: Student loan

I am reporting inaccurate credit reporting by Fedloans resulting from and alleged " delinquency '' on my account. I am questioning the bill which I believe was issued in error and duplication. I recently submitted a dispute form to Fedloans in which no meaningful review or comment was provided back to me. I have reported the incident to the Dept of Ed Ombudsman 's office. This is my XXXX complaint to CFPB. I have also reported this situation to the Dept of Education Ombudsman Office twice before. I have also tried working with the servicer for the past 5 months to resolve this issue but no longer have the confidence is their abilities to respond to my issue. I have sent Fedloans XXXX different dispute forms and each time they denied the request without any explanation regarding the details I provided. Keep in mind this is regarding a payment which was a duplicate that they later issued a forbearance for but after the time period for the delinquency had passed. My account is now current.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX  XXXX
Product: Debt collection

I paid a settlement amount and received a satisfaction letter, but have not received satisfaction of judgment. They have been promising to send it since XX/XX/2018. I have turned in notice that I am moving to my apartment complex on their word that they will send it. Now, I run the risk of being homeless.
Product: Prepaid card

Whenever I get an Amex gift card I can never use it anywhere online and it is very frustrating! I cant use to on food, XXXX, XXXX, none of that!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian to investigate a few accounts that were not reporting correctly on my credit report. They were XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. After the first dispute was returned with errors not corrected I took the time to write a detailed dispute letter for each account in question. I included full credit reports that highlighted the errors. I received the results of the dispute back today and Experian still failed to correct the information. In fact they refused to even investigate XXXX XXXX XXXX XXXX even though I gave them new documentation from my financial institution. They say they investigated XXXX XXXX, but that date of status reflects XX/XX/2017 meaning they didnt do what they said. The XXXX XXXX account remains inaccurate and none of the questions raised in the dispute were answered. Experian has failed to meet their obligations under the Fair Credit Reporting Act so I am filing a complaint against them.
Product: Mortgage

I had submitted a previous complaint # XXXX that was not solved properly. The numbers that Mr. Cooper has given me in a letter regarding the value of my home are bogus numbers. I had spoken with a XXXX XXXX at Mr. Cooper who said that the XXXX on my home was {$320000.00} which is exactly 80 % of my balance of my mortgage. I told her that the PMI should be cancelled and she agreed with me. The conversation was also recorded so I would like for that to be heard. Mr. Cooper keeps changing the amounts that I need to get an appraisal on my property when I do not need one. They are also stating that my home has lost more that {$80000.00} in value since I bought it. The real estate market is not going down it is going up. This company is using practices that go against the Federal Homeowners Protection Act that I should be protected under.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on several occasions to have unverified accounts removed from my credit report. The accounts were blocked in the past then later added back to my report. I have written letters to Experian asking them to verify the accounts according to the FCRA 609 ( a ). So far the accounts have not been removed from my report or verified. FCRA 609 ( a ) says you are required by federal law to verify through the physical verification of the original signed consumer contract. This has not been done.
Product: Student loan

On XXXX XXXX, I sent the pay off amount for my two Federal load to Navient to the address they listed for Federal loans. The payment was never posted, even after the checks were cashed on or around XXXX XXXX. When I called - and was put on hold for nearly an hour - they said one of the checks they had, but they had no record of the second. I emailed after a week or so and just received notification that they payment was received and after a period of " aging '' typically 15-20 days then I will be issued a refund. They say the refund will take four to six weeks to receive. From when I mailed the check - and lost use of my funds - they are saying it will be 3 months before I have access to my money. During this time, I must continue to pay my loans - and the more than 4 % interest.
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/2019 : Since then, the date last active has been inconsistently updated. On XXXX the date last active is ( XX/XX/2019 ) on XXXX its ( XX/XX/2019 ) and on Equifax its ( XX/XX/2019 ). If the information is coming from the original creditor, the dates should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. 

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

my credit was accessed illegally please investigate this item its a XXXX  XXXX card on my credit report
Product: Checking or savings account

This is my fourth complaint regarding the issue with PNC Bank. Complaints : XXXX, XXXX, XXXX My complaints have not be resolved by PNC. I have requested refund of fees assessed ( as of XX/XX/21 ) XXXX representments of transactions and XXXX {$30.00} fees by XXXX for the transactions. I will be filing a separate complaint against XXXX. 
I am willing to pay the fees I legitimately owe. I refuse to pay fees for representments of the same transactions over and over. This is an abusive, if not illegal, process used by financial institutions to generate fees. 
The normal presentment of returned items is an automatic XXXX  times. Continuing to represent the same items and charging each time is excessive and abusive against the consumer. 
At what point does it stop. Part of the problem is PNC is allowing representments over and over and assessing fees. This is an automatic process, however, when it is brought to attention, PNC refuses to take responsibility and refund the fees. 
I have also filed a complaint with Office of the Comptroller of the Currency and Attorney General of PA. 
I also believe these practices could result in a Class Action Suit for consumers experiencing the same abuse by financial institutions.
Product: Credit card

I made a purchase through XXXX, using my XXXX financial line of credit in XXXX of XXXX. I made two payments towards this item, once in XXXX of XXXX and another in XXXX of XXXX. The payment in XXXX was the full balance owed for the purchase - completing the agreement. I have attached a statement below, showing this payment being made in XXXX of XXXX. 

I wanted to make sure I understood how to direct the funds towards the correct purchase, so I called on XX/XX/XXXX and completed a smaller payment. I have attached the email I received confirming I performed the action correctly via phone call. 

I was told XXXX ( the same call in which I paid the full amount owed ) that the item was fully paid off and I did not have anything to worry about. 

On XX/XX/XXXX, I was charged {$450.00} in interest due to not paying off the item before the 12 month deferred interest had ended. This was news to me, because I paid this off almost a year ago ( XXXX, XXXX ). 

On XX/XX/XXXX I sent a message through the secured message center on XXXX XXXX XXXX website ( XXXX XXXX is now Comenity Bank ) asking for assistance due to the error in interest charged. 

On XX/XX/XXXX I received a message back informing me there was no error and to call customer service for more information. 

On XX/XX/XXXX I called customer service and was told it was MY fault, because I didn't understand how to make the payment over the phone- this is laughable, because as you can see in the email attached below, It's not rocket science. I had already made a payment and directed the funds towards specific items. The manager I spoke to on the phone told me they needed my inquiry in writing before they could help me. I informed her I had already sent a message to them via " Secure Message Center '' on their website and was directed to call. I was then told to submit a new message- which I completed. I informed the Manager that they have the call recording of me being told the amount was paid in full and she can review the call to confirm. She told me that she had the call but could not help me. 

This is unethical, immoral, and terrible customer service. I am being asked to pay {$450.00} for a mistake made by THIS company. I do not miss payments and I've had this account for years and done thousands of dollars of business with them. I feel like I'm being stolen from and they are not willing to help me. 

Please contact me as soon as possible so we can correct this error, that's all I'm asking for. 

XXXX XXXX - XXXX XXXX,
Product: Payday loan, title loan, or personal loan

They call my mother every day for the past 2 weeks and They told her that I'm behind with my payments and that if I don't pay by Friday that they are going to garnish my wages and I will have to pay an extra {$100.00} for the suit
Product: Mortgage

On XX/XX/2018 Fayservicing served me a summons and I had 30 days to respond. I took off work and went to the court house to respond to the summons only to find out there was not record of me being summons. I received an email to come to court regarding my property I took another day off work and went to court only to find out I was not on the docket to come to court. I spoke to my account Representative XXXX XXXX mid XX/XX/2018 he asked me what did I want to do with the property I told him I wanted to do a modification he told me I didn't qualify for a modification I need to sale the property because I had equity and Fayservicing would not work with me. I told him I tried to sale the property and didn't get a buy so I was going to rent it out. I told him I have a potential renter that will move in XX/XX/2018 and I would apply try again to apply for a modification. My rented moved in and I submitted the modification application and a copy of the lease. I received a letter requesting more information and was told I have until XX/XX/2018 to submit the additional information. I find out on XX/XX/2018 Fayservicing is harassing my tenants going to the house asking them who really owns the house and they have a letter for me from the mortgage company. Fayservicing knows exactly where I live and could have sent or brought that letter directly to my house. Im really starting to feel harassed and frighten. What else will they do besides harass me and my tenants. I was told by a consumer counsel they are predatory lenders. Can you please help. The additional person is my tenant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail dated XX/XX/XXXX from AFNI regarding the collection for a XXXX account. Before I could have the chance to dispute the collection and obtain validity the company placed it on my credit reports XX/XX/XXXX. Normally you have 30 days to obtain validity with the company. This was my 1st notice I have ever received from them.
Product: Payday loan, title loan, personal loan, or advance loan

My husband and I needed our roof fixed shingles were falling of the roof. A roof contractor from XXXX showed up to the house and started to talk about there company and the material the use and warranties. We proceed to go and get the roof done with the company since he said it was life threatening since the inside of the attic was slso in bad conditions. He did the paperwork said that the loan was for XXXX and our payment were XXXX month with a 8 % interest. When our billing statements came in from XXXX which we didn't know ot was through them. I have noticed that the payments were for XXXX months and the intrest and fees are close to XXXX dollars in total I will be paying close to XXXX dollars for a roof.
Product: Credit reporting or other personal consumer reports

The consumer reporting agency Experian is in several violations of the FCRA for reporting inaccurate data on my consumer report that is not in METRO 2 COMPLIANCE and has yet to respond to my notice of their violations sent on ( XXXX ) and ( XXXX ). Failure to remove such data will result in pursuit of litigation on behalf of the many errors and inaccuracies listed in my notices sent to the consumer reporting agency on both ( XXXX ) and ( XXXX ). Experian has had more than enough time to resolve this clear issue as their actions have damaged my livelihood and ability to obtain credit due to their inaccurate reporting on my consumer report.
Product: Credit reporting

Capital One bank says that I owe XXXX dollars on a credit card that is not mine. It is being reported on my credit as a XXXX dollar balance that I have never incurred. I believe that I was a victim of identity theft.
Product: Debt collection

I have recently been looking at my credit report and noticed a debt that was not mine. I requested proof of this debt, the original documents, payment history, however never received any of the above.
Product: Debt collection

Spoke over the phone with a representative from Capital accounts and explained I knew nothing about the debt they are claiming. Requested they send the debt back to the original creditor. They told they were not going to to that. And threaten a payment or they was going to send to my credit report. I told them this is willful violation of the law.