23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an auto loan in XX/XX/XXXX with Bank of America. I have always paid it on time, yet Bank of America reported to all 3 credit bureaus that I paid late in XXXX and XXXX of XXXX. 

I have a copy of my ACH automatic payment form that was submitted to Bank of America on XX/XX/XXXX, via the email address they gave me. 

During several phone calls, I have confirmed that the form was indeed received. 

However, Bank of America has continued to fail to withdraw the agreed upon payment via the ACH, and instead marked my account as paying late. 

When I received the late notices, each time I called and spoke to bewildered customer service reps who had me make payment over the phone, and told me they were sorry that they didn't withdraw via ACH as agreed. They told me to dispute the inaccurate late payments through the credit bureaus. 

So I disputed the false late payments as instructed, at all 3 major credit bureaus. 

And to my surprise, each late payment dispute came back as verified by Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

I have called in at least twice and logged un numerous times over the past 6 months, to figure out when and how much my student loan payments would be and every time I receive a different answer. I finally was able to get an answer online compiling all the paper invoices and its a few XXXX dollars higher than expected. One of you employees was actually off by an entire month on when the payment was due! 

I do not blame the individual, clearly there is a systemic issue on your end and it makes no sense how you have managed to stay in business. I had budgeted for a much lower repayment ( which has changed drastically about 4 times since graduating in XXXX ) and unable to even verify at which point my loan payments will settle into their " flat XXXX year payment ''. 

I was quoted the payment being mid XXXX in XXXX in XXXX to my surprise it had changed to XXXX, as of earlier this month it was XXXX. Now I come to find out the true payment is XXXX student only loans + XXXX for parent loans. The parent loan alone were quoted as a repayment of XXXX. I can not understand how the payment is now more than 3 times the quoted amount form earlier today. 

If I were to make the flat payments it would mean paying out more than my current after take income. I am not upset at the loan balances for they are the price of my education, I am upset at the lack of proper and correct communication on Navient 's behalf that has made it so my planning is now inadequate. 

I will be submitting a complaint to the consumer financial protection bureau, I am unable to pay my debts if the correct amount due and the payment day is being miscalculated. I was also told that ACH payments were made 5 days ahead of the due date. Having a background in backing I would love a valid explanation to this. It seems all other lenders and major utilities can receive and make payments on the correct payment date but for some reason Naviet requires there payment to be 5 days ahead of time?
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX US DEP ED Account number : XXXX XXXX Account number : XXXX US DEP ED Account number : XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I had about {$55000.00} in student loans held by aidvantage in my name during the start of the COVID pandemic. They were a mix of subsidized AND unsubsidized loans. During that time, I decided to refinance my home to pay off those loans completely. My balance was down to XXXX. Paid OFF. 

Then I was told I was entitled to a refund of any payments made up to {$20000.00} to help out financially due to the pandemic situation. When you hear REFUND, does it sound anything like ANOTHER LOAN???? No. So I called and emailed back and forth trying to ask Aidvantage, my servicer, about this so called refund. Eventually I got ahold of someone and they simply asked what refund I wanted over the phone. I told them I paid my loans off but heard I could get a refund of up to XXXX on payments made. They said yes, and said that they would process some paperwork to make that happen. It took months and then I got a payment to my bank account for the refund. 

I utilized it to pay of some other high interest debt and survive during a time of financial stress, as I thought it was intended for. And I didnt receive ANY paperwork or sign ANY documents for getting this refund.

Then, I got an email from the education department, not even initially aidvantage, that I suddenly held a NEW {$20000.00} loan ( UNSUBSIDIZED even though I PAID ALL of my balance both unsubsidized and subsidized OFF completely ) WITH interest??????

Now they keep emailing me asking for payment and I will not give them one dime.

I did not sign ONE thing that authorizes this. I am already in the works of gathering a lawyer and setting up my case to sue Aidvantage for the complete lack of information, professionalism, and predatory lending practices which they have already settled class action lawsuits for. I am escalating this in EVERY way that I can. Aidvantage will not take advantage of me. 

How is it even fair that they re instate a loan WITH Interest and without my permission or signature after I paid it all off!? Its NOT. Its an offense that Aidvantage will again be sued for.
Product: Debt collection

Unfortunately the calling company is calling for a party whom is no longer with us on this earth and is deceased. I have tried to catch them and explain this, but they always seem to call when I'm not by the telephone. And it's becoming a disruption to my home, and a painful reminder of our loved one whom is no longer with us due to XXXX. I understand they are just doing their job. But we are not in any position to help them. They just need to quit calling the phone number they have listed. It is not a personal phone number, it's an home phone. So when they call it disrupts others. And we tend to not answer numbers we do not know due to spam callers.. The bordering on harassment needs to come to an end. And to call in is more difficult because I do not have the necessary information to " discuss the deceased parties account ''.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

XXXX XXXX XXXX gave me a loan for my 2016 XXXX XXXX. The car was originally a little over XXXX $ and I am paying XXXX $ with interest all because my credit isnt the greatest
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I recently read about the deceptive tactics of Wells Fargo Bank. I currently have a checking account and savings account with Wells Fargo. I have had both accounts for many years. I previously began receiving a lot of insufficient funds and bounced check notices from Wells Fargo. I could n't understand how my account could be overdrawn when there was always money in my accounts. Please investigate this as I believe that I am a victim of Wells Fargo 's predatory bank practices. I am XXXX years old so I am sure that they have taken advantage of me due to my age.
Product: Credit card or prepaid card

I was informed that I have no access to my money. The Bluebird American Express prepaid card never sent me a replacement card, after my card expired. As a result, I have no access to my funds for emergency use. It is my ( the customer 's money ). Perhaps the Bluebird American Express policies and practices need to be investigated. It's like they are locking the customer 's money. I should be able to transfer for an emergency use, I don't think this company wants negative TV media attention or a congressional leader to call them out. I take this very serious as it involves a lot of money tied to this card. I did a search and see that ( XXXX XXXX ) is the CEO of American Express. Perhaps he needs to be contacted about this matter, prior to me taking further steps to access my money. I've been a bluebird American Express customer for a very long time. I also provided them with the USPS updated address XXXX XXXX XXXX, XXXX NJ XXXX. Please attempt to resolve this matter, since I am unable to access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Due to these violations I have a right to sue per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me, please block and remove under 15 USC 1681c-2.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has violated my consumer rights. 

Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report. This company has discloused payment history to a third party which is Transunion and XXXX and I never gave consent to XXXX XXXX to disclose any of our transactions to a third party. They continue to violate my consumer rights and break the law according to the FCRA THIS IS ILLEGAL! This has caused XXXX and I have considered taking my life because XXXX has caused me great distress in disclosing my transactions illegally to these third parties! Please enforce them to abide by the law that protects my consumer rights. 

THE LAW -- -- -> UNDER 15 US CODE 1681 A ( 2 ) ( B ) Exclusions from a consumer Report this account is in violation any credit transaction supposed to be excluded from a consumer report, if a social security card was used in the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have obtained a copy of my credit report and discovered it contained an inaccurate report of a Bankruptcy filing. I have contacted the three credit reporting agencies ( XXXX XXXX, XXXX, and Experian ) by mail ( certified copy is attached ) and was informed that this information is verified, or has been provided by a third party information collector. 

I also contacted the Bankruptcy Court of record and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. While this issue may not approach the threshold of Bankruptcy fraud by an individual or business, the practice undermines the entire system of these firms are allowed to publish old, outdated information and inaccurate data beyond the scope of the FCRA. Especially, in matters as dire as Bankruptcy. I am reporting this matter in hopes you will investigate these practices for I have been led to believe this is not at all uncommon and highly dubious. ( Please see attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is continually reporting INACCURATE / FALSE information on my credit profile, which is affecting my ability to obtain credit. 

I've sent Transunion a FEW letters, Certified mail with return receipt, regarding the INACCURATE account by XXXX XXXX COMPANY, TransUnion initially received my dispute and claimed the inaccurate account / information was " verified. '' When I mailed them ANOTHER letter asking them for their Method of Verification, which is my right to know, they ignored my request, and stated that " they had previously verified the account, and didn't have to reinvestigate the account. '' So, I sent ANOTHER letter disputing the inaccurate account, and it's been OVER 30 days and I haven't received ANY correspondence regarding my dispute of the negative, INACCURATE account, nor has this INACCURATE information been removed from my credit report! It's unfair that, during these times, especially, that companies are ignoring consumers, and not upholding Federal Law nor protecting consumers!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX  has been reporting inquiries on my credit reports that I did not authorize. 
On XX/XX/2020 I applied for financing at XXXX XXXX XXXX in XXXX, NJ. I urged their sales team to only apply for financing at one bank, I found out later it was more than three banks. Here are the ones not authorized : XXXX - XXXX XXXX XXXX - XXXX. XXXX XXXX 's XXXX - XXXX XXXX XXXX  - XXXX The other inquiries on my reports I do not recognize and are otherwise fraudulent : XXXX XXXX - XXXX and XX/XX/2020 XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2020 AND XX/XX/2020 XX/XX/2020
Product: Credit card

I am writing to dispute a billing error in the amount of {$25.00} on my account. I submitted a payment of {$19.00} online for the balance on the Target Red Card on XXXX XXXX, 2016, a month prior to the payment due date of XXXX XXXX, 2016. The payment was posted on XXXX XXXX, 2016. The payment was not accepted and I was charged {$26.00}. I resubmitted the payment after being emailed an alert on XXXX XXXX, 2016 stating the payment was not received. I contacted Target to discuss the matter and resubmitted another payment for {$19.00} that day. Target Card Services customer representative would not correct the {$25.00} charge or provide me with information regarding the process to dispute the charge. The representative informed me that I could not dispute the charge because Target was not at fault. I found the address for Target Card Services on my own and wrote a letter to Target Card Services requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. The next month I was sent a bill with a {$25.00} charge in addition to the {$26.00} balance for the original fee charged by Target Card Services totaling {$51.00}.
Product: Credit reporting or other personal consumer reports

I have no knowledge of XXXXXXXX XXXX I am writing to dispute this information. 15 U.S. code 1692 states that I have a right to privacy and a debt collector, has to have my permission and consent to text, call, or email me. I do NOT consent and am at will to SUE! Section 604 15 US Code 1681 B states you do not have the right to report anything on my credit report without my written consent. THIS IS IN DIRECT VIOLATION! 

Please DELETE XXXXXXXX XXXX from my credit report immediately
Product: Mortgage

Back in XXXX or XXXX I filed a compliant in ref to my mortage company Slect Portfolio Servicing, after the complaint was filed thatnks to you 's I was able to get a modification with was suppose to tart new payments on XXXX XXXX, According to them they sent me some papers in which needed my signature and I was suppose to fax and mail papers back to them, according to them those papers were sent and they were calling to se if I had fax & mail them back to them, I explained to Rep that as of that day I had n't received there papers rep informed me that they will send new papers out and that as soon I received them I was suppose to fax & mail them back to them, papers arrived 6 days later and as I was told they where sign, fax and mailed a couple of dayslater I received a call from them I which I was told that paper work was not received and they want to know why, I explained to rep that papers were sign, fax and mail and according to them they had not received them I told rep that I had made copies and that I will refax and mail my cpies to them she stated that they will arrive late and that she will see what can be done but that since it was just XXXX days later she did n't think it would be a problem she will let me know.I waited a couple of days then I received a call from them letting me know that nothing could be done if I wanted they could send me a new set of papers so I could start from scrath and see what happens a couple of weeks ago I received a letter from the court stating that my home once again was in foreclosure again and the date will be XXXX, I received their paper work I completed it mail it express mail, I received a call and was inform they had received papers but that they can not submit a hold on the forclosure because papers have to be reviewed and then they can submit a hold, I take responsibility for papers being later due to the fact that they were sent to me late but what am I going to do now, my case # was XXXX.Please let me know what can be done now to see how can this be fit.Thank you XXXX Bless
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : DPT EDXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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