23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loans ( Direct subsidized and Direct unsubsidized ) were transferred to XXXX in XX/XX/2018. Since this time NONE of the payments that I made to Navient ( 43 payments ) or Sallie Mae ( 7 payments ) before the transfer have been counted by XXXX. The three attachments show my payments made to Navient and the corresponding missing information in the XXXX online system. Under PSLF and TEPSLF payment counts XXXX shows these dates as you do not have a bill due for this period and counted as ineligible payments. This is not correct. Nearly {$35000.00} in payments that I made toward my PSLF are not in their system. I have made 169 total payments ( out of the required 120 ) and need to have this payment information corrected for PSLF. I have contacted XXXX and Navient multiple times about this with no assistance. I have called and spent hours on the phone to be disconnected. I have filed a complaint with the US Dept Education and received an email on XX/XX/XXXX ( case XXXX ) that I would hear from the case worker in 15 days and that it should be resolved in 30 days. I can not get an update by email or a returned phone call. This needs to be corrected before the {$1000.00} monthly payments resume in XXXX. I have completed al requirements under the revised PSLF guidelines. This information needs to be corrected.
Product: Checking or savings account

I signed up for a checking account with Bank of the West New Account Promotions of {$250.00} bonus. It has been over 5 months and I have fulfilled all the requirements. I still have not received the bonus. I have contacted bank of the west numerous times and was once put on a 5 hour wait.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 months that are reported late 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 XXXXXXXX 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: Debt collection

Upon reviewing my credit file to determine the status as well as cause for the status, I noticed several companies that I have no recollection of having any business nor having had/sign any contracts with one being Portfolio Recovery. As you questioned, yes Ive attempted to rectify the issue on my own by 1 ) requested validation via the credit reporting agencies directly on XX/XX/XXXX ... the  responses I received were verified except for XXXX who to date, has yet to respond ( I have sent them an additional follow up on XX/XX/XXXX ). I then took it upon myself to contact them ( Portfolio Recovery ) directly on or about XX/XX/XXXX ( attached ). I also pointed out in my letter to them that as per Florida ( where I live ) state licensing that per my credit file, they started reporting this information prior to their current licensing being in active status. They responded providing me with minimal details received from the original creditor ( XXXX XXXX w/whom I currently have an active account ) when they purchased the file XX/XX/XXXX ( as  per their letter which is also attached ). On or about XX/XX/XXXX I followed up to their response advising that while I received their correspondence, I received nothing VALIDATINGanything. They simply replied that they already responded ( attached ). Im simply seeking assistance in getting this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, To whom it may concern I am writing in reference to the status of the Mortgage account currently reporting on my credit profile. This account currently shows ADVERSE information negatively affecting my credit in the form of late payments. 

I have NEVER made any late payments on any accounts that I own. Your company had issued a forbearance and this account in light of The COVID-19 pandemic. I am not sure why this error has occurred but as the consumer involved who has been negatively impacted by these errors I demand you correct it the status of this account to paid on time immediately. 

There was never any late payments on this account NOR any proof of these allegations either. I DEMAND that you correct these errors immediately and Issue me both ; a formal letterhead stating that the corrections have been made through the mails AND an updated credit report reflecting the same within 7 days. 

If not I will not hesitate to pursue litigation to have these adjustments corrected immediately.
Product: Checking or savings account

I attempted to make a transfer from my Chime account into my XXXX account in the amount of XXXX on XX/XX/2020. About a week later the transfer came back to Chime unpaid. XXXX said it was returned because they do not accept transfers from outside banks. Chime put my account on hold and asked for a copy of my ID, a recent XXXX statement and if possible a letter from XXXX explaining why the transfer was returned. I sent the all documentation several times but never heard anything back. I reached out to the via phone, and was told that my attachment on the email could not be opened. I resent them everything while I was still on the phone and was told my account would be reopened the next day when someone from their support team verified everything. My account was instead closed immediately and I was told I would not be receiving the money that was in the account back. There was about XXXX in the account. I have emailed them countless times. I have called countless times with the same answer everytime. That they can not talk to me about the closure of my account. I was doing nothing illegal I has just recieved my first unemployment payment on XX/XX/XXXX it was about {$6000.00} the other money in the account was from my income tax return. Money that ironically I had transfered from my XXXX account. I want my mobey back immediately.
Product: Mortgage

I requested and received a forbearance on my mortgage for 90 days. This covered payments normally due XX/XX/XXXX - XX/XX/XXXX. I had made the three previous payments for XXXX XXXX XXXX ) and was up to date at this time. 
I resumed payments starting in XX/XX/XXXX and have made all payments since then. I requested and was given a deferral for the 3 payments during the forbearance period, moving them to the end of the loan term. 
I was in a bankruptcy at the end of XXXX but did not miss any payments, and entered into a reaffirmation agreement with the mortgage holder in XXXX. 
Since XX/XX/XXXX, the mortgage holder has claimed I am one month behind every month. They have sent me notices of Breach and threatened foreclosure. I have tried more than a dozen times to clear this up with them, and each time the person I speak with gives me a different reason for the problem. No one so far has been able to tell me what month I missed. 
I have provided proof of payments to them, but they have not acknowledged this. I have given the dates of all payments to several people on the phone and all of them have agreed the payments were made, but still insist I am behind, possibly from years ago. No one seems to know. 
This seems to me an attempt to collect a deferred payment in violation of XXXX XXXX rules ( it is a XXXX XXXX  loan ) and the CARES act, as it has been suggested several time by the mortgage holder that paying the deferred payments would solve the problem.
Product: Credit card

So I have made numerous attempts regarding this account they closed it. He charged it off without telling me and you guys kept saying it is verified blah blah blah. Its legit when it wasnt now after they closed it off, collected their money from the government or their insurance if not both now they reopened it Illegal so Id like to be taken care of now Id like to have a remedy and you know what those remedies are because what they are doing is illegal and Im gon na go to the attorney general too because numerous times complaints with you guys and you dont do nothing Going back all alone with the fraud. Both these credit cards now only ones charged off this one that was charged off months ago is not back open, but I cant go any further back to XXXX and theyre still charging me interest because they reopened it and Ive even showed documents to consumers to protect us from these kind of fraud XXXX to report XXXX XXXXXXXX to XXXX XXXX numerous complaints about you dont do nothing you say its all right
Product: Credit reporting, credit repair services, or other personal consumer reports

UNIFIN is the name of the so called debt collector with ref # XXXX said I owed over {$7000.00} on a loan I made in 2003. I said and it is takling you 16 yrs to try to collect on a loan I never made? Well, he said, is your name XXXX XXXX, your email is XXXX  XXXX is your SS # XXXX, I said where did you get this info, and he changed the subject quickly. Even told me waht my phone number is. Their phone is XXXX and said I need to pay ASAP and their fax number is XXXX. I said your are not getting a penny as I never got nor needed a loan in 2003. He replied he will do more investigating and call me back. OMG They have all my info. Please remove my persoinal info above if you publish. YOUR NEXT STEPS ASK IF I AM THE ACCT HOLDER, NO I AM NOT, NOR HAVE I EVER BEEN, BUT I CANT CONNTINUE WITHOUT SAYING YES?????????
Product: Checking or savings account

I had fraudulant bank account opened in my name with Bank of America. This is my second complaint with the first case number XXXX. I see that case was closed and the information provided by the bank is NOT correct. I did receive the requested information nor is anyone helping me to obtain it now. What I want is to have a copy of the application and have been denied it even when I have submitted all the requested documentation. BOA states that a debit card was not issued but I have been told otherwise and was given the address to where it was sent. This is either an inside job or fraud by my exhusband.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day threshold and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to properly delete all information which can not be verified. that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting

Equifax has an item listed on my credit report this item is from XXXX it is dated XX/XX/XXXX so this item is not mine I never noticed it on my report. Till recently they last reported the item XX/XX/XXXX. This company constantly reports this item once a month causing my credit report to be effected. I asked Equifax to verify this item withing 15 days after the item came back as verified. According to FCRA they never sent me any verified information within the 15 day time frame. They never sent me any information period. I want this item removed immediately.
Product: Vehicle loan or lease

This is a follow-up to complaint XXXX. Per the customer service representatives stated resolution to this issue. A phone call ( XXXX ) was placed on XX/XX/2023 at XXXX to initiate a payment for {$750.00} ( {$450.00} to the note payment and {$290.00} applied to the remaining principal balance ). 

This was executed in accordance with the Companys Response please contact our Consumer Vehicle Lending Department at XXXX, Monday to Friday, XXXXXXXX XXXX XXXX XXXX XXXXXXXX. to make a payment by phone. Yet the again, Bank of America failed to apply the payment correctly. This clearly demonstrates their incompetence and lack of understanding their own internal procedures. Im confident they will waffle on the concept of taking any responsibility for this and redirect me to making payments at one of their financial institutions ( you know since the payment by phone worked so well ). Based on the knowledge base of their customer service representatives they have handling these issues, my confidence in a teller to accurately apply my payments is non-existence.

In the interim, I will make my monthly payments by phone as instructed and continue to file these complaints till the CFPB investigates and initiates legal matters into the application of consumer loan payments from the Bank of America.
Product: Mortgage

The mortgage servicing company does not mail me Form XXXX ( Mortgage Interest Statement ) as required annually in the last 3 years in order for me to file my tax returns. Every year, I called to get the information and they kept saying they required an authorization from my attorney. The loan is in Chapter XXXX and payments on the loan are being made by the trustee. The attorney 's office sent the required authorization letter for the servicer to provide me with this information. The servicer claimed that they send the information to my attorney, however, the attorney 's office said they did not have the information.
Product: Vehicle loan or lease

On XXXX, XX/XX/XXXX, I learned that Pentagon Federal Credit Union had reported Three ( 3 ) 30 Day delinqu3nt status notes on our account this year -- in XXXX, XXXX, and XX/XX/XXXX. I learned this from a loan officer who was attempting to approve us for a construction loan when she revealed our actual credit scores to me and the likely reason ( these multiple [ Three ] 30 Day delinquent notes on our PenFed Account. I reached out to PenFed and spoke with a customer service associate who said the only way they could assist me would be open an investigation which would require penfed to inquire of my credit report. Though I asked directly, they could not verify over the phone if they indeed had reported our account as 30 days late for the months of XXXX, XXXX, and XXXX. They instead told me to digitally consent to a hard credit inquiry for Penfed to do the investigation. At this point, after the damage to our credit report that has resulted from 2 months of incorrect delinquent accounting, at a time when we are pursuing a construction loan for a homebuild, I, dissatisfied with their " investigation '' process and wary against additional credit inquiries at this important juncture, have been advised by my loan officer and my own best judgment to file the complaint with this bureau in hopes of achieving an effective and timely response from PenFed. Additionally, I co-own this debt with my wife, and am unsure if she needs to open her own complaint.

I have verified that we have indeed only had One ( 1 ) 30 day delinquint payment on our Penfed account this year. In XXXX, we made a payment that was 30 days delinquent due to oversight. We reached out to the Penfed CEO with a letter of good will asking for the late status to be forgiven, as we had never been 30+ Days delinquent at any point since this loan had opened in XXXX. Unfortunately, PenFed denied our request. However, We brought the account current and have kept the account current ( Every payment made before 30 day delinquent status ) since the XXXX Payment ( due XX/XX/XXXX ). 

These details are noted in the billing history snapshot attached, which I took from Penfed 's website. I also have attached every bank statement that reflects each payment draft noted on the transaction history. Additionally, I have highlighted each transaction in the bank statements that corresponds to my annotation of the Penfed XXXX history. 

The fair solution here is to remove the 30 day delinquent statuses for XXXX and XXXX, XXXX, as these payments were not, at any point, 30 days delinquent.
Product: Vehicle loan or lease

My vehicle was repossessed on XX/XX/year>. I was able to get my personal property out of the vehicle on XX/XX/year>. I called Ally ( bank ) on XX/XX/year>. I asked what payment was required to retrieve the vehicle and was told the amount wasn't ready yet. The days I have to get my vehicle back are already counting even though I haven't been given a payment amount yet. I asked if I could get a copy of the original contract and proof of notice of repossession and was told it was mailed and they can not provide proof of it being mailed or provide me proof of the original contract. I am in the final year of paying off my vehicle and having no car payment. Unfortunately fell behind and I am contacting the CFPB to make sure I am treated fairly as a consumer based on the the law.
Product: Credit reporting or other personal consumer reports

This is my third request to the credit bureaus ( XXXX, Experian, and XXXX ) to remove incorrect and unverified information from my credit report. Despite multiple disputes, they have failed to correct these inaccuracies, which is negatively impacting my creditworthiness and exposing me to potential fraud. 

Specifically : My report shows incorrect personal information, including an incorrect name ( XXXX XXXX instead of XXXX XXXX ), an old address, incorrect phone numbers, and inaccurate employment information. 
It lists multiple phone numbers that do not belong to me and a former employer that I am not currently associated with. 
Due to data breaches, I am also concerned about my date of birth and the last four digits of my Social Security number being exposed on my report, and I have requested their removal. 
Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate and verifiable information. They are also obligated to correct inaccuracies promptly upon dispute. This failure to act has caused me distress and put my personal information at risk. I request the CFPBs assistance to ensure these credit bureaus comply with the FCRA and remove all incorrect information from my report. 

Desired Resolution : I would like the CFPB to ensure that XXXX, Experian, and XXXX immediately investigate these inaccuracies, correct or remove the erroneous information, and confirm in writing that my credit report now reflects only accurate and verifiable data.
Product: Credit card or prepaid card

I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. It is evident that this is a mistake on your part or the company 's fault in reporting this inaccurate information. Remove the late payment remarks and update to current or paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  {$1000.00} Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. I would like copies of the documents that you have in your files that were used to verify this account, and not simply receive a response indicating that it was verified. 
If you do not have any documentation in your files to verify the accuracy of this disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to third parties, you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that there are unauthorized inquiries on my consumer report. I have not given permission for you to access my credit profile, and you have no permissible purpose by law to contact third parties with my private or personal information. This constitutes Aggravated Identity Theft under 18 U.S.C. 1028A, as you have knowingly transferred, possessed, or used, without lawful authority, my means of identification. This is a felony punishable by up to 2 years of imprisonment, in addition to civil liability.

By obtaining my consumer report from Transunion on without my permission or a permissible purpose by law, and all creditors listed below are also in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 3 ) ( f ) ( i ). Refer to Chester v. Purvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ). 


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

I opened an auto loan with Santander Consumer USA for a used car in XX/XX/XXXX. I had to voluntarily surrender my vehicle due to XXXX in XXXX. I made a settlement agreement with the company to pay {$2500.00} within roughly 18 months. I recently paid off the closed account, in full of the {$2500.00}, on XX/XX/XXXX. The balance should be {$0.00} on my credit reports, but it is still showing that I owe a balance of over {$3000.00}. I have called each credit bureau to dispute the information and open investigations. I am in the process of mailing documentation to each bureau and Santander Consumer USAs credit department. Santander Consumer USA claims they reported the balance to each credit bureau but it does not reflect that whatsoever. I am not receiving the help I need to resolve this.