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

I have requested that Equifax verify these accounts and I have yet to get a response but they have tried to send me stall letters only. they are not taking me serious at all. it is my understanding that they had 30 days to investigate and remove any items that were not validated. Equifax has also informed me that I have been a part of their data breach and still have not removed the negative items. I have my FTC report and my engagement number from the big Data breach that i will be attaching to this complaint
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 to paid as agreed 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 AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I feel very terrible. I simply just wanted to start a credit report account with Transunion. This happened yesterday. I did not sign up for any premiums or anything like that, so why am I getting charged {$24.00} just to check a score? Come to find out I did not even have a credit score at all. I called customer service. It was bad enough that I could not understand their accent. It was much worse that they kept insisting that I signed for the one that I am required to pay. I cancelled it since I did not get any benefits, but I do have a receipt. I thought I had to put in my credit information in to confirm my subscription. How did I go from getting a free trial to paying money? 

Thanks,
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 this consumer sent a certified letter informng Equifax that the compamy was indeed out of XXXX XXXX compliance. In addition they are furnishing false information. I sent the letter accompanied with a copy of my Identification and a copy of my eletric bill. I have my green receit proving this. I recently received a responce from Equifax requesting a copy of my identification and a copy of proof of m address! Equifax is stalling, while this company stalls my life is being negativly affected byt their false reporting!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is purposefully trying to alter my credit score in a negative way because I have previously filed a complaint against them for incorrect information. My commenity bank buckle account is not a charge off the account is paid in full. I have the paperwork here to support that. Since I filed a dispute on XXXX a month or so ago they have purposefully lowered my credit rating XXXX points and then again XXXX points, even though I have taken my credit utilization below 30 % and paid all my bills on time. They currently list my available credit at 100 % and yet they keep lowering my score. This is not correct business practice. My husband and I are trying to buy a house and I believe that XXXX is purposefully targeting me and altering my credit report. My commenity bank buckle account was paid in full and closed in XXXX. The correct wording needs to be applied to my account and it is not a charge off. My XXXX XXXX is not a change off either. I have disputed both of these accounts before in the past and they have corrected the information, then in the last few days XXXX has decided to purposely alter my credit report to harm me. They are doing this on purpose and they are doing bad business and affecting my life in a negative way. I have worked very hard the last two years to improve my credit score and pay off my debts. The other two credit bureaus reflect the correct information and they have improved my score to both over XXXX currently and reflect the right information as of now. This is abuse by XXXX and I am really hurt and frustrated. Please look into their behaviors and this error. This is not fair or correct
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

There are two major issues : 1 ) First, in XXXX, I submitted my application for the SAVE plan. In late XX/XX/2023, my account was placed into administrative forbearance while my SAVE application was processing. I never received any correspondence from them regarding my application by email or physical mail. However, at some point ( I don't know the exact date ) the Nelnet account landing page on their website began telling me they could not process my SAVE application unless I paid a fee. They did not say how much I had to pay, or how to pay this fee. On XX/XX/2023, Nelnet responded to my previous CFPB complaint that I had submitted on XX/XX/2023, and said that under some statute, I needed to pay {$5.00} for them to process my application. They didn't provide any instructions or link on how to pay that fee. On XX/XX/2023, I figured I would try paying {$5.00} through the Nelnet loan payment portal to see if that made a difference since I was presented no other option. Having paid them {$5.00}, this did nothing to address the issue. It still says I am required to make a payment to them before my SAVE application will be processed. See attached image.

2 ) Second, despite being told I am in administrative forbearance and that interest would not accrue during this time, my account balance is increasing daily by compounding interest. I want interest accrual stopped while they process my application.
Product: Consumer Loan

GM financial continues to threaten to repossess the vehicle although it paid timely and insurance is properly maintained. I have continued to submit proof to GM financial however, I do receive these letters weekly. I would like GM financial to cease these letters and the harassment. If at all possible, I would like to see they are fined for unfair and deceptive practices.
Product: Credit reporting or other personal consumer reports

I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX ) of any sort. 

In regards to The company ( XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I became Aware of a problem pertaining a student loan that I havent ever applied for and I contacted the school which is XXXX on serval occasions was advised to by a supervisor to ask school to cancel the Promissory note which was never done I reported this to the FTC and I have been sending in documents with My signatures as well as talking with a supervisor name XXXX XXXX on XX/XX/XXXX recent documents that was asked of me and then was ask for the report that I made to the FTC and receive a notice of denial this isnt my loan Ive never been in California nor am I aware of this issue which has been a hardship on my life Im XXXX and have been since XXXX I had a XXXX a Veteran with XXXX XXXX I would really appreciate if this would be taken off of my credit in the name of Jesus. Please help me trying to do something for my family and this is truly in my way I believe now whoever took out this student loan the school knows the person XXXX is the school I believe financed through XXXX in the amounts of & XXXX, XXXX and {$2.00}, XXXX which is truly Affecting my credit in the name of Jesus please help me remove these items off of my credit
Product: Debt collection

I was denied my student loan because of a debt from the Bank of the West account that I did not open nor had any idea about. The account has already been sent to collections, and it is showing up as " unpaid '' on my XXXX credit report for {$2000.00}. The collections agency it's been sent to is " XXXX XXXX XXXX '' based in California. I can not receive my student loan until this is resolved, therefore preventing me from graduating. 

The only dates I have available are ( from the XXXX report ) : DATE ASSIGNED : XX/XX/XXXX ( I think that means the day it was opened but I am not sure ) TODAY XX/XX/XXXX : I filed a police report with XXXX Police Department online The {$2000.00} is still unpaid. The Bank of the West said that the case is out of their hands because the debt has already been sent to collections There was another account opened ( XXXX XXXXXXXX ), but I was able to get ahold of them and have them resolve the issue on Friday XX/XX/XXXX.
Product: Vehicle loan or lease

Purchased my car though XXXX XXXX 11 months ago. The company XXXX XXXX XXXX ) went under without notice to there customers. They sold the loans to Westlake Finance for collections. With the purchase of the auto they offered warranty and roadside assistance and rolled into the total loan. Upon call the warranty company I was informed that XXXX XXXX never forwarded any payments to them and they are not honoring any warranty. Upon calling Westlake Finance I was informed that they are not honoring the warranty and they are not lowering any payments for the warranty. I feel that this was an fraudulent loan transfer and needs to be investigated. Also there should be a stay on any loan payments and any type of repossession from Westlake Finance.
Product: Student loan

It is very difficult to get in contact with the loan provider Mohela, it is atleast 30-60 minute wait each time I call and I am being told different information on every phone call. the 1st Issue was i was told by a representative of Mohela that I can pay on only one loan if I wanted to but I just had to make the full amount of the total payments. My loans are now behind so I contacted customer service, they said they will fix the payments and it will take 35 business days. as on now there is no update. I am refinancing my student loans with XXXX who uses Mohela for their loan servicer. XXXX sent MOHELA a check for the payoff amount on XX/XX/year> and Mohela confirmed today they have received the check. They told me it will take 60-90 calendar days to actually apply it and they will " back date '' the funds, not sure what that means. I am expected to pay {$800.00} a month to mohela for my current loans and i am also expected to pay {$800.00} with XXXX  for the student loan refinance. I will be paying almost {$1600.00} a month in student loans so I am not behind because Mohela refuses to process this application timely. 
I have never had a good experience when call in, now i have to figure out how to pay 40 % of my monthly take home pay towards my student loans because they are unable to process a payment from one of their partners in a timely and efficient manner leaving the burden on me to find a way to come up with more money. 
Attached is a screenshot of my auto pay that is not updated, they said it was all good to go. also shows the balance owed. I included an attachment with the current refinance with XXXX who i did the refinance with and they use Mohela as the loan servicing provider. I dont think it should take 90 days to apply to my account. 
Mohela 's website will also not let me submit a complaint, they button will not work to submit a complaint
Product: Debt collection

My Name is XXXX XXXX XXXX ( This is an important not as many systems can not take the XXXX in there system and it causes confusion with both my father and grandfather XXXX, XXXX which are still living ). 

So in XX/XX/XXXX i was notified of a debt collection from XXXX XXXX being collected by the Collection Bureau of America ( NMLS ID : XXXX ; XXXX XXXX XXXX XXXX, XXXX CA XXXX ). So i called the collection company to get the details of what was happening and discovered that this was a case of mistaken identity. 

During XXXX at the XXXX XXXX XXXX i did a rent to own water cooler from XXXX XXXX. When i graduated in XX/XX/XXXX and started working i paid it off. My father wanted to keep the water cooler so we transfer the account over to him. However, in having the same name and not being able to distinguish between the XXXX and the XXXX. Nothing changed. At this time the account was paid off and transferred. 

Fast forward to Fall of XXXX my father made transactions on the account, that was now his that XXXX   XXXX never changed the finance information for. This was never a transaction that i authorized or was even knowable of. I have not live at XXXX XXXX XXXX, XXXX md XXXX since XXXX. So i called XXXX XXXX to make them aware of the issue and they acknowledge the mistake but since the account had been sent to collections and after escalating through various levels of management they did not know how to handle this situation. I then had them look at the payment method of how the account was being paid as proof that it wasn't me and indeed the account was linked to my fathers debit card. I talked with Collection Bureau of American as well as did my father to clear up this matter up. We did this on three separate occasions in XXXX and the collection agency assured me that they would remove it from my credit report. I also filed a dispute with XXXX about this claim but because of the name and the fact that i lived there and the limit texted to explain this situation. I got no where with this either. After multiple check to my credit report over the next year this transaction was never removed. When call back to XXXX XXXX i was repeatedly ensure that this was being address. However, once the case worker was changed all was forgotten and i am left with no other option. I contacted a lawyer about this matter and they pointed me in the direction of this website. 

I also asked the collection agency to provide proof that i authorized this transaction. What they sent to me was the original document in XXXX. What i pointed out to them is that the activity for which this seems to be associated with is 10 yrs after the transaction that I authorized when i did own the account. This should have been a rather large red flag. I then asked them does it seem plausible to be collecting a debt 10 years after the fact when the amounts don't even align.
Product: Checking or savings account

XXXX. I have a mortgage through XXXX  XXXX XXXX. 
XXXX. I pay the monthly mortgage payments by automatic payments through Chase Bank ( through my checking account ) XXXX. I was informed by XXXX  XXXX XXXX in XXXX that my monthly mortgage payment amount had increased to XXXX something dollars. 
XXXX. In early XXXX I went to the Chase website 's automatic pay option and changed the monthly mortgage payment amount to what XXXX  XXXX XXXX had stated. This was submitted and accepted by Chase. 
XXXX. The new amount of XXXX something dollars was paid out to XXXX  XXXX XXXX by Chase. 
XXXX. However, Chase also paid out the old amount of XXXX something dollars to XXXX  XXXX XXXX on XX/XX/XXXX. 
XXXX. I contacted the customer service to help correct this situation. I spoke to a customer service representative and then to the claims department supervisor XXXX. 
XXXX. They stated that there was " NOTHING '' that Chase could do. 
XXXX. Chase also stated that it was MY RESPONSIBILITY to contact the " merchant '' aka XXXX  XXXX XXXX to get my XXXX something dollars back. 
XXXX. I find this totally unfair that I have to correct an obvious mistake which was made by the Chase Bank and NOT BY ME. 
XXXX. I informed XXXX that I will escalate this issue by writing to you. 
XXXX. The only corrective action that is acceptable to me at this time is that the CHASE bank get my hard earned money back and put it back into my checking account. 
XXXX. Again I WILL NOT and SHOULD NOT be penalized for an obvious screw up made by Chase bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. I, XXXX XXXX, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
They also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore there has never been any documentation provided that validated any of these accounts. No contract with two wet signatures, no proof of full disclosure, no equal consideration provided, no lawful terms and conditions, no accounting records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent many letters, requesting debt validation and the company refuses to respond. They send statements that are irrelevant and not from Portfolio Recovery Associates. 
I do not have a contract with Portfolio Recovery Associates, nor do I want one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX and XXXX. ( Please see pages attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on these accounts. I have contacted XXXX XXXX as well as the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and these line items need to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I submitted a complaint per FCRA based on the unknow of this account, asked for a reinvestigation as documentation was never provided from original creditor and both other bureaus DELETED the account from my credit report. Experian replied today with " updated '' and stated will be removed in XXXX of 2024. This is XXXX of 2024 they have allowed this inaccurate account to continue reporting and still are allowing it to report and causing me damages on my credit report. They should have to pay me for per 15 USC 1681 {$1000.00} for failing to do a proper investigation and still allowing this on my report!
Product: Checking or savings account

Chime bank has denied my dispute three times now after someone stole my money while i was in jail. i was in jail for 8 months long, and once i was released and was able to log into my chime mobile app i see NINE different transactions that i didnt authorize, and they were all done while i was in jail. The guy i lived with at the time of my arrest stole literally all my belongings including my wallet. The transaction listed on my account were done via XXXX XXXX as if he would have linked my chime debit card to his XXXX XXXX an accessed the money by using the " cash out '' option, His name is even listed as the transaction description, ive called chime numerous times about this issue, ive emailed them numerous time and filed a rebuttal not once but twice and ive provided them with the proper documentation i got from the jail i was released from that clearly states the dates i was incarcerated ( which was during the times of every transaction ) and they still deny me every time ive even told every single person at chime that i spoke to about this how that money was literally all i had after being in jail for 8 months and it was important i get this money back just so i could live off of it, by groceries, and pay for hotel room or an apartment to live in since i lost my home while i was incarcerated and it didnt seem to bother them that i had been a long time customer of 4 years. After this issue i will be closing this account and never looking back to this horrible " bank ''