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

This is a simple complaint against the department of XXXX. I have spoken with them both personally and on a conference call with a XXXX  party. Every time I spoke with them, they claim I don't have any student loans. The last time I spoke with them on the conference call, a XXXX from the Department of XXXX stated that she can't find a single student loan with my name, address, or my social security number. When I then try to dispute the student loans with the credit bureaus, the results come back as verified. I even sent them certified mail back in XXXX of 2023 so they could remove these from my credit report and they claimed the account was verified! 

How can they be verified if the Department of XXXX claims I don't have any accounts or that I am not found on any student loans? It's been months of trying to correct this only to not receive any help in doing so from either the Department of XXXX  or the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported my account late from XX/XX/XXXX-XX/XX/XXXX. I filed for covid 19 assistance with XXXX to move the payments from XX/XX/2020 to the end of my balance yet XXXX continues to report late to the credit bureaus. I have copies of every payment made to XXXX which I have paid on time. I have contacted XXXX CEO and was told they will not remove them even though I have proof they were not late! XXXX is currently involved in two class action lawsuits regarding violations of the Telephone Consumer Protection Act ( TCPA ) as well as the Fair Debt Collection Practices Act. The lawsuit also alleges XXXX breached its own contracts by charging improper fees. I have been told I dont qualify by the AG office even though I received my car in the time frame listed in the lawsuit. I just want the late payments removed from my credit and reporting correcting!
Product: Credit card or prepaid card

I received a call on XXXX when this pandemic started from a bank of America representative stating that I had a payment due of my deposit secure credit card of XXXX and I went into an agreement with her letting her know that I was gon na pay the whole amount when I got the taxes during the same week I opened that account in 2018 I tried to call the bank several times so I could pay but when I called they said they were closed they said there wasn't any representative and there were machines answering or hanging calls and I couldn't log into my online account because it was closed, I received two calls from ID callers but nobody answered or there were only machines talking, my work is for driving i had to take my time off from my job to have the Time to fix this situation I found that the bank didn't have my address updated the lady just updated today XX/XX/XXXX at XXXX XXXX an i haven get any statement since XXXX i wasn't updated about my account so i called today and spent 3 hours they were connecting me with the recovery department and i had a conversation with XXXX XXXX about XXXX XXXX and i found that they were already closed my account and they had taken my secured money to closed that account without letting me know on XX/XX/XXXX and reported me in my credit report as a bad debt canceled by credit grantor i asked to the lady to reopened again an that i was going to pay the whole amount with my checking account and she denied it to reopened it and on top of that i have a standing balance of {$250.00} and they are charging me interest rates so my conclusion is they are taking advantage about the coronavirus situation to the customers doing things they aren't suppose ti do it with out consent of the customers they put you in hard situations just to pay and they are denying responsibilities their representatives are lying and taking advantages about the language of the customers my language is XXXX but only English representatives calling me or no XXXX representatives ara available
Product: Debt collection

Pinnacle credit Services LLC along with XXXX XXXX XXXX XXXX XXXX has repeatedly Try to collect on a A unknown XXXX XXXX account apparently from 2011 with a balance of {$1100.00} They've sent me paperwork they call me that you email me when I call them back they seem to be like a bogus company At least have a very poor phone system I was made aware of a XXXX account close to 5 years ago or so and I just speeded it and it was wiped awipe the way to the best of my knowledge I believe
Product: Debt collection

I reached an agreement with Allied International Credit to pay on a XXXX student loan. The agreed upon amount was {$300.00} per month and began in XX/XX/XXXX. I set up this amount to pay to AIC via the " bill pay '' service offered by my bank. This amount was paid every month. 

I contacted AIC in XXXX to request an accounting of payments and amount remaining on the account. AIC told me that XXXX had " recalled '' the account in early XX/XX/XXXX. Neither AIC nor XXXX informed me that the account had been " recalled '' and the AIC CSR said neither was required to do so. I contacted XXXX who verified that it had recalled the account in early XXXX. However, since I was unaware that the account had been recalled, the automatic bill payment continued on XX/XX/XXXX, and XX/XX/XXXX. I have been attempting to get AIC to return to me the {$600.00} overpayment. AIC claims their accounts do n't show any payment, which I believe to be a lie. I provided documentation to AIC proving that XXXX {$300.00} bill payments were made to AIC after XXXX recalled my account and now AIC and its CSRs wo n't answer or return my calls.
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being XXXX I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Mortgage

Wells Fargo will not allow me to refinance due to a bankruptcy six years ago. They were not involved or mentioned in that process. I am a XXXX and could use your help.
Product: Debt collection

This company, which I hold no contract with nor have received services from, reported a collection account found on my credit reports from Southwest Recovery Services for the amount of $ XXXX. I've contacted the debt agency on XX/XX/XXXX, for more information regarding this debt and learned this is for a rental debt owed in the city of XXXX XXXX, VA in which I have never been a resident of that city. This debt was fraudulently placed on my report without my consent. I've requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. 
Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.
Product: Credit reporting or other personal consumer reports

As I checked my credit report I found these inaccuracies on my personal information. The only address that should be reporting on my Credit file is " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ''. Kindly remove these addresses listed below : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX
Product: Mortgage

While attempting to refinance a condo owned by my mother and me we ran in to an issue with PNC Bank. Our finance person had the new loan locked in at a significant saving for my mother who is XXXX years old and on a fixed income. She lives on social security and the income from her part time job as the XXXX at a XXXX XXXX XXXX. 

After multiple people and multiple transfers I was finally able to reach someone to ask about the situation and request a payment history. I could not get a consistent answer from anyone. One person would tell me they could fax the information while the next  person would say that faxing was not permitted. I received the same run around with the option of email. 

Finally on XX/XX/XXXX they mailed me a copy of the payment history. Upon review several things stood out. 

First, on a XXXX year old loan which was originally for {$12000.00}, the current balance is {$11000.00}. This means that over the course of 10 years the principal has gone down less than {$1400.00}. Admittedly my mother, who lives in the condo and pays the mortgage, has been late and missed some payments but even with that being factored in that seems highly unlikely. 

Second, the payment history provided ended in XX/XX/XXXXwith a notation that it had been charged off. PNC has continued to accept payment past that point but refuses to provide me with any additional documentation of that payment due to a bankruptcy that was discharged almost 10 years ago. This loan was not part of the bankruptcy. 

On Thursday, XX/XX/XXXX, after many requests, I was finally contacted by a supervisor. He told me that the reason the loan showed as charged off is because they transferred the balance to another loan in XXXX. To the best of my knowledge, no new loan documents were signed nor did I authorize a change to initial terms of the loan. 

When I told the supervisor that I was going to be filing this complaint on advice of counsel, he openly laughed at me and said Let me tell you how this is going to go down. and proceeded to explain to me that they would produce documents from the original loan ( which had been previously acknowledge as no longer the active loan ) and that we would still have to pay them back. Im not trying to discourage you, just giving you advice. 

PCN Bank openly stated that they would knowingly and intentionally provide inaccurate documentation to the US Government as a part of this investigation. 
I have spoken to a number of real estate and finance professionals I know personally about this situation and they all have nothing good to say about this company or their business practices. They are known for manipulating customers and situations in order to assess fees and penalties which make it virtually impossible to pay off the loans they make to the average person. 

I realize that your organization receives innumerable complaints on a weekly basis. However, I would like it to be known that there is a loan offer pending the outcome of this investigation which expires on XX/XX/XXXX. 

Thank you very much for your time and consideration.
Product: Mortgage

My mortgage company NatuonStar has refused my payments. I fell behind but have been trying to pay what I owe. A few months ago I sent a {$3000.00} payment which they never put towards my debt just kept suspended, when I trod paying another {$1000.00} they refused to accept it. I pay electronically. I have called so XXXX times and they do not answer, I have been on hold for over half an hour and messages left never get a response. At my wits end I asked for help from my local XXXX and they say my loan inand I needed to pay {$6000.00} to bring it out if forclosure Which I did. They had mailed me a check for {$3000.00} I had paid over a month prior and used my own money as well as a loan from my mother. I sent a cashiers check certified mail. My XXXX person said they had received it but there would be some legal fees. The very next week Nationstar returned my cashiers check and claimed I owed {$8400.00}, ni explanation why I owed so much more in the letter. Ironically the same day I reviewed a regular invoice saying I owed {$6900.00} ... Which was the {$6000.00} plus my XXXX payment. When we called the person had no idea where the {$8400.00} figure came from and that she would get a amount to me within 24-48 hours for the total due, payments and fees and that if I overnight ex the check it would be taken care of. However she did not get back to me and when I called I was put on hold for 20 minutes. My XXXX person did get a hold of the and they now say because it 's gone into XXXX I owe {$7900.00}. They say {$1300.00} is legal fees.. Which they refused to send an itemized explain action of claiming it 's their policy not to. Had I paid before the end of XXXX, which I would have had they called me with the amount due in the 24-48 hour time frame they gave me. So instead of {$560.00} in fees thy day I now owe {$1300.00}. I personally feel even the {$560.00} seems high and wanted to bring the invoice to a lawyer to see if it 's unreasonable or not, also I should b or have to pay & XXXX extra because they failed to get back to me in the time Fran quoted by them. I feel this is extortion or fraud. I have called and left messages with a local lawyer and the South Dakota attorney generals office.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Inquired on XX/XX/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 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 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 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 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 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 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 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 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recieved a late notice on my credit report that is unjustifiable. I have plenty of documentation stating the company owes me a refund ( I would he happy to provide ). I bought a car part from XXXX through affirm. The car part was defective also have documentation of my interactions. I have expected a return for months and now they say, " i am have a late payment '' on my credit score. When I was expecting a return per both companies. Please help the consumer get justice. I last talked to the company today and received an alert on my credit report?
Product: Credit card or prepaid card

I'm a victim of identity theft. I have reached out to everyone company that was reporting on my credit report for them to remove that inaccurate information. I did a credit dispute XX/XX/, with account number ending in XXXX. First progress responded back to me with a letter stating in order for them to initiate an investigation, they need to receive the specific information that I am disputing and an explanation of the basis for the dispute, and supporting documents I have attached to this complaint.
Product: Student loan

Navient, which is my student loan company gave my phone number out to other companies without permission, and i 've been getting a mass amount of calls pertaining offers and false advertisement regarding education. It 's annoying and its very frustrating. I get phone calls late at night early mornings, its out of control. They just constantly call from different numbers and I would like it to stop immediately.
Product: Credit card or prepaid card

XX/XX/XXXX, my current card, which PA Unemployment payments are deposited at US Bank Reliacard, was declined for ATM withdraws and transfers to my personal checking account at XXXX XXXX. I called XX/XX/XXXX to find out what was wrong. They informed me as of XX/XX/XXXX, without notice, PA apparently changed withdraw and transfer amounts to far less then they where allowing XX/XX/XXXX which is the date I made transfers to my XXXX account because I was back funded a substantial amount for unemployment benefits from XXXX XXXX XX/XX/XXXX. They requested I fax them a copy of my driver 's license front and back and that it could take up to 10 business days to reinstate my account. I faxed the document XX/XX/XXXX. Waiting patiently for 10 business days, I called XX/XX/XXXX wondering why my account wasn't yet reinstated. They told me they never received the fax! I have confirmation the phone number they gave me received it. They said to use their website to upload the driver 's license and it could take up to 10 more business days to process. I did the uploading and did NOT wait 10 days to call them. I called XX/XX/XXXX, XXXX, and then XXXX. XX/XX/XXXX, they said they did not receive the upload and asked me to do a verify upload from my phone of my driver 's license and a selfie. I did that while they were still on the phone with me. It would take another 10 business days. I called again XX/XX/XXXX - their systems were down for routine maintenance! Who does that on a weekday? I called XX/XX/XXXX. They escalated it a 4th time which is an email to the department who processes the reinstatements. I called XX/XX/XXXX. I was told the department who processes the reinstatements posted a note to my account on XX/XX/XXXX a XXXX that I needed to be patient while they worked through the backlog of the faxes and re- fax my driver 's license and ssn card again! I did that. It costa money to get these faxes done. 

I have been patiently waiting over 30 days and counting for this to be fixed! No other source of income but the unemployment benefits. I have rent and other bills to pay. I am going into the hospital for a medical procedure and want this fixed before I do it. I have to pay late fees and additional interest. Not fair. Are they hurting because i can't get to money I am entitled to have and use? They should be! 

This is totally unfair. I seem to have to recourse, no place to go for relief. I can't work because of underlying medical conditions. Coronavirus closed my contract in XXXX, they did not restart and I have limited ability to find new contracts because of coronavirus. There is nothing locally. I have applied everywhere for everything. I am over qualified. 

I have a file to share showing my documentation of the situation. 

I provided the card number as requested however everytime I enter it on US Bank Reliacard called system it says it it inactive and the customer representatives have to look it up on my ssn. 

Please help!
Product: Credit reporting or other personal consumer reports

Please review the files that are attached.My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history 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 to be updated.

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 EXPERIAN 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! 


Update the late payments from my consumer reports