23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

A missed payment in XX/XX/2018 resulted in being excluded from ACH payment process. Subsequent manual payments commenced. A missed payment in XX/XX/2018 was communicated by phone message and letter but not by email or even using the account holder message alert system. The mortgage company put in place delinquency notice and subsequently effected my personal credit score. 

My issue is that this company actively makes it hard to comply on the basis of the following ; 1. If normal ACH is not possible no second or third attempt is made. It simply goes straight to a non-payment situation. Given the longevity of my payment record on this mortgage I find this approach completely unhelpful and is purely self serving on the part of the company. 
2. Once issues with payment have occurred communication of same is very poor. Surely immediate email notification should be the communication of choice.

3. Once there has been an issue with an ACH payment your are locked out of any future ACH for a period of 12 months thus exacerbating the issue by having to return to old school manual payments. 

Overall I feel the treatment of me, as a customer, is reprehensible by this company. If I could change companies, without incurring significant costs I would. The company is actively making it difficult by blocking the easiest payment route and I believe on the basis of securing additional revenue in the form of late fees exacerbated through subsequent bureaucratic red tape and probation periods for the accessing the easiest repayment routes. 

Federal oversight should come down hard on companies that exploit such situations.
Product: Student loan

In XX/XX/XXXX, I applied for the SAVE program via StudentAid.gov - per the application, my new loan payment was going to be $ XXXX for 10 years, then the balance forgiven ( I started paying back the loans in XXXX ). The application was submitted directly from StudentAid.gov to Aidvantage ( the servicer ) that same day, and I also printed a copy and physically mailed it to Aidvantage that same day ( as I've had issues with Aidvantage in the past, I was making sure they got a copy ). 

Over a month passes and they state they don't have anything from me regarding SAVE. So I uploaded, direct to their website, my application and supporting documents ( everything they were mailed physical copies of ). 2 weeks go by and they state they got my tax info but not the application ( and yet, when I look at the upload part, it shows the tax info AND the application were both uploaded ). I upload just the application again, and 2 weeks go by and now they say they don't have my income information ( the tax forms, which they claimed to be the only thing they had before ). 

They are showing I owe them {$340.00} as a monthly payment. I've reached out multiple times with no success. I don't have time to wait on the phone for hours, and per others in the same boat, you can call and get info from one rep there, and call back and another rep will give you vastly different into. At this point it seems they are wanting people to pay amounts much higher than they should, and they are going to claim they have no info on why they are wrong. ( a document I got XXXX weeks ago says that my $ XXXX balance - from an original $ XXXX loan that I paid 10 years on - will end up costing me $ XXXX when it is paid in full in XXXX ). 

Why are they trying to collect payments when their own system is completely wrong?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not have an account reporting. This account was settled in XXXX  with a garnishment which amount settled was paid. The correct reporting which has been submitted to Experian is closed settled for a lessor amount. 

XXXX XXXX XXXX, XXXX is converting accounts from XXXX  to XXXX. During this transition account numbers are being changed and reporting was affected. This particular account was not closed our properly in our old system and was converted to the new system and reactivated. It also made several accounts duplicate instead of converted due to slight reporting error from our previous system. Please disregard if there are two ( 2 ) accounts that end with the same account number. This document is for XXXX XXXX record and ability to contest the incorrect reporting from the situation above.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was alerted that a collection was placed on my account. When I took a look at it. It was an old parked account that I disputed years ago. The same company IL department of human service. Harvard collection bought the account and put it back on my credit as if I just open and not paying on the account. This account is more than ten years old. And the amount listed is wrong as well. The amount listed is {$6100.00}. I put in another dispute. I took a major hit on my credit after working on it so hard. This information is wrong and out dated. I need assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX credit card paid as agree since XX/XX/XXXX it is on experian as charge off this account was deleted from other credit bureaus companies XXXX and XXXX. It has been almost 2, years fighting to get this now with this pandemic I have to suppor my family I am a XXXX  XXXX XXXX i have an exceptional payment history on my credit and due to this issue I haven't got a small business loan by my XXXX XXXX because this charge off shows on my credit report by Experian this is the credit bureau this bank use. Please this XXXX  XXXX credit card was openXX/XX/XXXX it has been 9 years already I am struggling with this issue. I paid this credit card and close the account. I demand this account to be deleted from experian credit reporting agency I demand XXXX XXXX to authorized this.
Product: Credit card

I applied recently for an apartment as I have been at my current residence for 9 and 1/2 years. When the credit portion came back it shows that I have over 30 inquiries in my name in the last 2 years. A few accounts that were opened in my name in a different city. Immediately finding this out yesterday I went to all the bureaus and sites and I put fraud alerts as well as freezing my credit on all bureaus and making a police report on the fraudulently opened accounts in my name. 

XXXX/cbna w a balance in amount of {$1400.00}. Date of Delinquency shows on XXXX only as XX/XX/XXXX. Originally account was opened on XX/XX/XXXX. Since the issue occured both XXXX and XXXX fixed this mistake but for some reason on XXXX it still showing as owed. 

I also reached out to the creditor an since nothing has happened. This is definitely damaging my credit because I do not have much credit as I had identity theft in the past 10 years. I would love this to be removed so I can apply for an apartment thank you.
Product: Credit reporting or other personal consumer reports

My account with 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 me 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 XXXX 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 card or prepaid card

After filing a complaint with the CFPB, I finally received a detailed letter from Macys through XXXX XXXX. As the attached letter shows, I am even more confused about the propriety of the alleged credit card balance that Macys claims to be due. Macys acknowledges account errors of many sorts. 

I am willing to pay whatever I owe but I would like specific proof by way of signed receipt so I can confirm exactly what I bought that constitutes the amount claimed to be owed. If it is valid I will write an immediate check. 

Based on XXXX XXXX 's letter, and through no fault of hers, I have no confidence in Macys ' account record-keeping. Thank you.
Product: Student loan

My student loans began at just under XXXX. That was the last I attended in XXXX. They jumped to XXXX in XXXX with a consolidation that I did not ever apply for ... the consolidation amount {$65000.00} to {$140000.00} with AES/XXXX, They also left out a loan I have been paying on for years through XXXX ... They are in the last name which is not my name. I do not have an ID or any way to prove that it is not me. I have sent my soc cars as well as my South Dakota drivers license to them. They will not speak to me about this debt and they provided me a fraud packet via mail. I have not had a response back and I can not speak with anyone regarding this issue due to my name vs, name on the account. So it is bounced back and forth between PHEAA and AES/XXXX. My credit is greatly affected. the most recent letter I received is from PHEAA and the amount is now at {$190000.00}!!! I am paying on an unsubsidized and have been for years that began at XXXX. The other, currently with PHEAA began at around subsidized was originally XXXX. They send mail to me in my name and when I call them or try to make payments they refuse to talk to me unless I can produce the name my account number, social security number and birthday are associated with.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed below was not done by myself. please delete it immediately.
Product: Debt or credit management

Real estate loan for new building. I had to put collateral of everything I own. Now 6 years later building is worth more than the loan and bank will not release liens on other property so I cant sell my home or any property I own. I cant refinance it because the interest is so high I would lose more money. When I signed collateral the XXXX  of PNC bank told me I could sell properties and would be no problem to release them. She and PNC are liars and I have tried for 2 years to resolve this and they will not talk to me. I have no competent person in there conglomerate to even contact.
Product: Mortgage

In XX/XX/year> I fell and broke my leg and I was in XXXX for 2 months. When I came home from XXXX I fell again and broke my other leg.I could not walk and I am still having problems due to being XXXX XXXX XXXXWhile I was at the XXXX the second time I got XXXX, In addition I have had a XXXX which my XXXX XXXX is gone now. My daughter moved in with me and she cares for me full time now because I get around by myself.I had my daughter reach out to VA Haf and we were approved in XX/XX/year>. In XX/XX/year> they called us and said they had ran out of funds. Unfortunately, I did not have the funds to bring the loan current. Working with Fay Servicing has been a nightmare. I have a hud counselor who has helped us on a few things but can not get a modification. We sumitted documents on the XXXX of XXXX and they continue to state they have not recived them which is a lie because we have proof of the email acknowledgement emails that the did receive them.They are using the 37 day rule not to help. I have never dealt with such uncaring indivuals like this.What dishonest people and besides it was 31 days prior.Poor excuse. If you want to have better relationships with your customers and a better rating on the government agencies maybe you should try to help instead of continuously hurting people..
Product: Credit card or prepaid card

I am a victim of identity theft. 2 credit cards was opened under my name and ssn, Also hard inquiries from someone trying to get a car loan under my name and ssn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to get these Unauthorized Inquiries off of my XXXX credit report, Please Ally Financial XXXX, 2022 XXXX XXXX XXXX XXXX, XXXX, 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, XXXX XXXX 2022 Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reported to my credit report.
Product: Mortgage

I have a big problem with the holder of my mortgage lo an Nationstar.  I had been approved for a loan modification while my loan was with  XXXX   XXXX   XXXX  and had already begun making payments when the loan was sold  to Nationstar. I spoke with Nationstar and they told me they would honor the approved modification. After making a few payments to Nationstar, they told me they were not going to honor the modification and that I had to start over and go through Nationstar to get approved. They sent my payments back to me. Now I have spent over two years trying to get this straightened out with Nationstar. They are completely unorganized and their customer service is terrible. They never should have gone back on their word and refused to honor the modification. It was already signed and completed, I think their ac tions are illegal.  <P/> I bought my home in  XXXX  and refinanced into a predatory adjustable rate mortgage in  XXXX . The interest rate could go as high as 11.87 % and there was a two-year prepayment penalty on this loan. I have had steady employment working as a  XXXX  for over 30 years so even with the bad loan I was able to make the payments as agreed. In  XXXX  I discovered that my  wife (  now ex-wife ) had been stealing money from me and was not sending in the mortgage payment each month. This created a major problem and led to divorce. At that time I reached out to  XXXX   XXXX   XXXX  to resolve this issue and went through the process and was approved for a modification. I completed the paperwork and began making the paym ents. Shortly after receiving the modification the loan was transferred to Nationstar. Their agents told me that Nationstar would honor the approval ( I BELIEVE THEY ARE REQUIRED TO HONOR THE APPROVAL ) and I thought I was all set. A few months later Nationstar told me that they would NOT honor the approval and told me that I would have to go through the process AGAIN with Nationstar. Then they sent my payments back to me. I have literally spent the last two years trying to get this straightened out, and I went from an approved modification to a sale date in a few months. This is wrong. I want to file a formal complaint against Nationstar.
Product: Prepaid card

XXXX XXXX account ending XXXX, I upload XXXX  on my cell XXXX It does not allow me to see the full acount number. I have {$16.00}, I am trying to use all {$16.00} for XXXX, XXXX XXXX XXXX XXXX since I know it will expire on XX/XX/year>. 
The card did not allow me to use {$16.00}, it only charged {$1.00} for XXXX  on XX/XX/year> I am trying to use the left over {$15.00} on these store from XXXX XXXX The card did not allow, I called them many times, they did not resolve. 
They used the above to expire my card and steal {$15.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lot of unauthorized inquiries on my credit reports. I have been constantly asking for them to be removed from my report and they are still on there. 

Inquiries on my Transunion Report : XXXX XXXX XXXX ( XX/XX/2021 ) XXXX  XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX XXXX XX/XX/2021 ) XXXX XXXX XXXX XXXX ( XX/XX/2021 ) XXXX Auto ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXX XXXX ( XX/XX/2021 ) XXXX XXXX XXXXXXXX ( XX/XX/2021 XXXX Inquiries on My XXXX Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/2021 )
Product: Credit reporting or other personal consumer reports

Experian is reporting multiple collections accounts to my consumer report that doesn't belong to. These accounts were fraudulently placed on my report in which I never gave any of the creditors ( listed in my letter ) consent to purchase my personal information nor did I give them permission to report these accounts to and credit reporting agency. That is violation of my right to privacy pursuant 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. How can I owe a debt if there was never an agreement for me to pay a balance? I have no knowledge of these companies asking me to pay a debt where there was no mutual agreement.How do I owe a debt if there was never an agreement between me and the creditor reporting the account? There was never an agreement in order for a debt to occur. Pursuant 15 U.S. Code 1681i - Procedure in case of disputed accuracy, this account must be removed in which they cant be verified nor does they belong to me. How can these accounts report if by law they're not verified nor have documents with agreements? Violations committed by Experian. 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX woman who ca n't even XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stole my identity, I cant even XXXX XXXX XXXX XXXX and I views my credit report and seen things I never applied for please help this has got me so stressed, she has been arrested as of X/XX/2017  please remove these inquirys from my credit report I did not do
Product: Checking or savings account

Just took money where I didnt know how much was the low balance fee
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, my date of birth is XX/XX/1999, my credit reports for XXXX, XXXX, and XXXX show differently. In addition, there were several accounts opened before I was and adult and they should be removed. These accounts are in collections with XXXX XXXX Midland funding, XXXX XXXX. I never charged anything on those accounts. I would like them removed and my birthdate corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX acct # XXXX XXXX XXXX was paid off and needs to be deleted from the credit report, Also XXXX was also closed and settled and needs to be deleted from all three credit bureaus. Both My XXXX XXXX XXXX Acct number XXXX and account number XXXX  were both paid of and settled for deletion on all three credit bureaus.

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.

I paid off these account even though they are still listed and has a charge off on the four of them, I need all four account deleted immediately. 

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

Was never notified of a payment due and mobile app indicated NO payment was due, there has been a 30 day late payment posted to all three of my credit reports, spoke with XXXX and they admitted that the 30 day late payment should of never been reported.
Product: Credit card or prepaid card

This is my third time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft FROM YOUR DATA BREACH. My claim number is XXXX. 
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 

I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. These Fraudulent-inquiries, accounts and addresses. 

ADDRESS-XXXX XXXXXXXX XXXX I also have never worked at XXXX XXXX XXXX nor XXXX XXXX Nor have I worked at XXXX XXXX . I work at XXXX XXXX. 

I HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** AND PLEASE MAKE SURE THAT MY CREDIT REPORT IS NOT FROZEN OR LOCKED. I HAVE BEEN TRYING TO PULL MY CREDIT SCORE FROM DIFFERENT PLACES THAT OFFER IT FOR FREE BUT COULD NOT. PLEASE DO NOT PLACE AN ALRET ON MY CREDIT REPORT I WILL KEEP AN EYE ON IT. 

By law part of my Compensation approves, XXXX years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through XXXX XXXX The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. XXXX, XXXX ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of my credit report and The ADDRESSES AND FRAUDULENT ITEMS ARE HIGHLIGHTED on a printed screenshot so theres no confusion about the accounts, addresses & companies that I am disputing. 
DO NOT PLACE A FRAUD ALERT NOR ANY FREEZES ON MY CREDIT REPORT Section 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
Thanks for your help and speedy response, XXXX XXXX
Product: Vehicle loan or lease

I noticed the automatic payments setup have been posting at times later than the day the payment has been submitted even though my checking account has it posting days prior. The bank is charging additional interest and not posting payment the day it was received. When I questioned them about it they did nothing and said I do not understand the banking system and need to talk to my bank that has my XXXX XXXX posting withdrawal early. There response was not correct and they are charging additional interest after a payment is received on the loan.