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

My account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made 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 to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit card or prepaid card

I was issued Pandemic unemployment and had my card stolen and taken to an ATM where someone fraudulently pulled out XXXX. I filed a a claim with Bank of America for fraud and identity theft and never got a response. When I would call to follow up on it, they told me it was Arizona Unemployment problem and to call them. This was in XXXX 2020 I finally gave up but am still wanting the XXXX back!
Product: Checking or savings account

HELLO MY NAME IS XXXX XXXX XXXX XXXX, I AM MAKING THIS COMPLAINT BECAUSE IN MY XXXX XXXX REPORT IT APPEARS THAT I HAD A CHECKING AND SAVINGS ACCOUNT WITH MULTIPLE BANKS. BUT I DON'T RECOGNIZE THOSE ACCOUNTS OR THE BANKS, SOMEONE ELSE STOLE MY ID AND PERSONAL INFORMATION TO OPEN ACCOUNTS FRAUDULENTLY, I MADE AN IDENTITY THEFT REPORT TO SEND IT TO YOU AS PROOF THAT I AM A VICTIM OF IDENTITY THEFT PLEASE DELETE THESE ACCOUNTS OF MY REPORT, XXXX BANK, BANK XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I NEVER HAD AN ACCOUNT WITH THESE BANKS..
Product: Mortgage

In XX/XX/XXXX, I was on a call with Truist, the lady gave me 3 options for repayment on missed payments. We chose the deferral. 
On that call she never once said we had to be XXXX payments past due to be eligible for the deferral. So we were completely u aware, that During that time our mortgage was in jeopardy. We are XXXX payments past due which I have filled out multiple packets which truest continually says that they are not receiving information. Denied XXXX packets. 
Called the wrong number, sent it to the wrong address. I was approved for HAF funding in the amount of XXXX the funding has been sent out on XXXX XXXX. Truist returned my XXXX payment. Today XX/XX/XXXX Truist has called again. Saying they havent received the HAF funding, and there is no record!!! I am so sick of them, they have continued to screw up my loan, never once have they said the right information on any calls. My home mortgage counselor too has revived false information I am asking you to please investigate them before something happens to my home apparently all these phone calls are monitored but they cant review any of those phone calls to fix their mistakes
Product: Credit reporting, credit repair services, 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 XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After a long battle with XXXX I managed to receive the title for my XXXX XXXX XXXX. But now another issue at the DMV. Seems like XXXX XXXX failed to declare the lease and sales taxes and the DMV clerk is stating that I own XXXX $ in sales tax. The taxes were paid per account closure which I will attach it. I called XXXX XXXX on XX/XX/XXXX from DMW and they said that the letter that states the taxes were paid is going to be sent in 10 business days which didn't happened. I called again XXXX XXXX on XX/XX/XXXX and asked about the status of this letter and they said it hasn't even been sent nor processed. The new customer representative promised me again another 10 business days and also gave me some sort of tracking # SR # XXXX. So we are 14 business days an no letter for me to have this transfer finalized. I don't know what else to do in order for me to have this letter in hand in order to finalize this transfer. The car has been paid off with XXXX XXXX since XX/XX/XXXX. Car Base Payment : {$22000.00} and Sale/Use Tax : {$1800.00}. I don't understand why it takes so long for such an easy task to be completed by XXXX XXXX team. They should be accountable for any late fees if DMV will decide that will need to be paid.
Product: Credit reporting or other personal consumer reports

I have no insight into these inquiries, and they were undertaken without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Conventional Mortgage loan with FNB Bank/Mortgage. After my wife lost her job during the pandemic I went under forbearance. When my wife got a new job, we paid all due payments. I was told by " XXXX ' a Customer service rep from Mortgage servicing department that until my account is current, I can not re-establish my recurrent ACH payment. XX/XX/XXXX, I paid all due payment ( XXXX, XXXX, XXXX and XXXX ) to bring my account. I called back on XX/XX/XXXX to Re-establish my recurring ACH authorization. XXXX confirmed that it had been set up and confirmed. On XXXX I got a call from FNB Collection department again. I was surprised by the collection department call. Found out that the ACH was not established. I paid for XXXX and XXXX of XXXX on that day and reconfirmed ACH debit is established for XXXX of XXXX. On XX/XX/XXXX when I noticed No Auto draft has taken place, I called and spoke to 'XXXX  XXXX from Mortgage servicing assured me that ACH is been set up successfully. To have peace of mind Asked XXXX to call collection department to be all in the same page. " XXXX '' from Collection department also confirmed that the ACH is successfully set up and 'ACTIVE ' and mentioned my account is not with the collection department. 

Today XX/XX/XXXX I pulled my credit report and noticed that FNB Bank / Mortgage reported me 'Delinquent of Mortgage '. When I saw that It made me furious. I have been calling them 8 or 9 different times to fix their ( FNB Mortgage servicing employee 's ) mistake. I been diligently trying to make sure they get their money, and this is how they punish me. Punishing me for their mistake. I sent them email with the conversation record to fix it, FNB Mortgage department didnt care to email me back. 

So, I need your help to correct this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA - XXXX Cell : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to inform the Credit Bureaus once again that I have been a victim of identity theft and am requesting the removal of the fraudulent items from my credit file. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), Credit Bureaus are required to remove any items listed as resulting from identity theft. Below is the list of items I need removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I requested XXXX XXXX to research and fix the late payment reporting from XXXX, XXXX & XX/XX/2023 from their error of sending my electronic bill to the wrong email address. They promised me they would fix it XX/XX/2023 and it's still not fixed. They added an extra 2 to my email address and I never got the bill, when I realized it was already behind by 3 mo and my online access was not working so I called them, explained the issue, they apologized, fixed my email, I then changed back to getting a physical bill and they promised since it was their error it would not affect my credit. They didn't fix it and it is affecting my credit and my ability to close on my house and I am at risk of losing my earnest money. I have called XXXX XXXX multiple times now to get this issue fixed and have only met with dead ends and " we can't do anything about this ''. I have asked it to be escalated to a supervisor 3 times now and was told the last time they would respond by email within 2-5 business days and it's now been over 7 business days, so I called again today and I'm filing this complaint with the CFPB. Even if they remove the wrong report of the 90 day late payment it will help me from losing my money and they can look further into the others later. But if they assured me they would correct it because of their mistake then I should not be suffering and spending needless time and resources to fix their error. I have also filled disputes with all three credit bureaus.
Product: Student loan

On XX/XX/XXXX, I sent a letter to Navient, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 

I informed them of the following : Today I received an alert from my XXXX XXXX card that my credit score dropped XXXX points. When I researched this issue, I discovered that Navient had reported XXXX delinquent accounts to my credit report. I have not received a bill from Navient since XXXX, XXXX, and I have not received any notice regarding a late payment. ( I have included a copy of this letter in the attachment below ). 

To prove that I had been receiving my notification via postal mail, I also sent along a copy of an older correspondence that clearly displays my correct mailing address. I have been living in this home for more than 7 years. 

Navient sent a letter back stating that they did not have my correct address. However, up to XX/XX/XXXX, they had mailed their correspondence to my correct mailing address, and I had not missed a payment. Due to Navient 's error in changing my address in their system, or their false claim that they had sent monthly correspondence since XX/XX/XXXX to the wrong address ( the month that I claimed that the correspondence stopped ), my credit score has dropped XXXX points. 

Finally, Navient claimed that my payment was due on XX/XX/XXXX. However, according to my bank records, I had not made a payment since XX/XX/XXXX. This information can be easily traced. Also, I have attached a copy of my returned check. 

If this information sounds confusing, I agree. I am also skeptical because reports show that Navient has been sued for overcharging students. If their claim is true that the payment forms were sent the wrong address, then how did my address get changed in their system without my consent. I never filed a request for a change of address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My complaint is directed at the American Education Services. I have four XXXX student loans through XXXX. I have entered repayment recently. I have to contact AES for all of my loan repayment options. I first have the question of, how is it right for me to have a loan with XXXX, but have to go through a third party lender? 

My first conversatino was in spring ( between XXXX and XXXX ) of 2018. One of my four loans became due suddenly. I spent many occasions on the AES website, but I can not see anything about my account besides how much is due and make a payment. If I want any information on repayment options, deferment, or any information on my loans I have to call AES. The individual on the phone told me I had to defer my loans. I did as she told me, as I was still part time in XXXX  school, and working at a XXXX ( 13 month temporary paid job ). 

I call again in XXXX or XXXX of 2018. Now the other three of my loans are coming due. I am running out of deferment on my first loan but I can defer my last 3 loans. This representative tells me I should try to fill out a form explaining the fellowship. XXXX has a program that may allow me to not enter repayment until after the fellowship. 

As I am trying to get this paperwork taken care of I call again ( XX/XX/2018 ), because my loans were coming due and we still haven't gotten the fellowship document filled out and approved. This man explains that I should actually try to go into a grace period. This wouldn't use any of my deferment or forbearance, just extends the grace period. This is the first time I have heard this option, so we go through with this application process. 

I then ask the representative why one loan came due before the three others. He doesn't know why. Says my separation date is different on this loan than the others. It appears the separation date was updated- but to the same exact date it was before which would have been for my XXXX career. He had to submit my account for review. 

I have used so much of my deferment thus far. It is not right for me to not see the options on my own loan. I have to call AES and depend on their representative to not only understand my loans but also present me with all of my options. Every time I am on the phone I am consistently put on hold so that representative can do research into what programs XXXX offers. 

In conclusion : AES is should not be allowed to administer my repayment since they do not have any idea what my loan is like. I should also be allowed to see all of my options so that I can not only know what they are but also make an educated decision as to what to do. I believe AES has given me incorrect legally binding financial advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been put through pure XXXX from the moment I joined XXXX XXXX  several years or more back my information was leaked out and my number turned up on the dark web. My medical records were comprimised I am XXXX and filed bankruptcy in XXXX I have been issued credit cards and for 2 years have made my payments on time XXXX XXXX keeps sending me offers to my e-mail for cards and institutions that I already have accounts with also loan offers from company 's like Onemain financial who did credit report searches on my on 3 different occasions when it should have just been 1 time and sent me offers saying that applying would not cause my credit score to go down when it did I am at my witts end I suffer from a XXXX XXXX and was thrown out of my residence of 5 years during the pandemic when I was not even behind on my rent and was sick and then having to file bankruptcy and then getting my credit back on the right track I had my credit score up to XXXX and now it is in the mid XXXX 's because of all the inquires that I was told would not happen plus I took out a loan from a company that got my address from XXXX XXXX that turned out to be a line of credit and charged me a 325 % interest rate please help me I am a veteran and XXXX and this is killing me
Product: Debt collection

I am filing this complaint against Sequium Asset Solutions , LLC, because they are trying to collect a debt that I agree I owe some on but I do not owe all of the fees they say I do and I have tried to contact the company to resolve this issue.. It is an original debt from XXXX, and they will not provide me with the documentation showing what I really owe. My bill was {$72.00} monthly, and the bill they say I owe is {$100.00}, because the last bill owed was {$91.00}, but they could not tell me why the bill was this much. I have been trying to resolve this with XXXX since XXXX of 2021. The XXXX phone number for this account was XXXX. All I want is for XXXX to show me an itemized copy of my last bill.
Product: Student loan

Hello, I have submitted multiple requests for consideration of XXXX and XXXX directly through XXXX and current student loan servicer MOHELA. For now MOHELA has updated the payment count to XXXX out of XXXX using only the XXXX payments I made. 

MOHELA has not received authorization to use the payments I made through XXXX to count for XXXX eligibility. I believe I have made XXXX payments to date and may be eligible for a refund of overpayment for about {$36000.00} to {$55000.00}.
Product: Mortgage

Again Freedom Mortgage is not and has not complied with FHA guidelines on my mortgage. Ive been complaining to CFBP and sending monthly loss mitigation pkgs back and forth and every answer from Freedom Mortgage is the same.no matter what my financial loss is Freedom Mortgage wants the same information. The last phone call from Freedom Mortgage was an agent telling me she needs to verify I gave a bank account or not, so I called XXXX XXXX and hit the checking account verified that I dont have an active checking account account with XXXX XXXXXXXX. Im including all parties information for that call and the last letter in response from Freedom Mortgage for my loss mitigation application. SEE UPLOADED DOCS.
Product: Mortgage

I reached out to my mortgage company approximately XXXX months before my XXXX year anniversary of our homes mortgage which was XXXX of XXXX. I was told I could send an email to remove my mortgage insurance if we qualified once I hit the XXXX year mark with our mortgage as long as our loan to value was at least XXXX percent. I may need an appraisal which was out of pocket but I would receive a notice if this was the case. XXXX months go by and I call my mortgage company and I am told they are reviewing my email. It takes XXXX closer to XXXX months for someone to send me a template saying this is what you need to send us via email. It is XX/XX/XXXX when we receive this template which I promptly email back to them on XX/XX/XXXX to which I receive a generic email saying the process could take XXXX days. On XX/XX/XXXX I send an email voicing my concerns on how long this is all taking and that I would be filing a complaint. The last week of XXXX I call because I do not receive an email response and I am told I need to pay to have an evaluation done on my home. I provide my savings account number to the representative ( they still used the wrong bank account ) on XX/XX/XXXX I am contacted by XXXX XXXX from XXXX XXXX XXXX and Monday XX/XX/XXXX she comes by for an evaluation. I get a phone call a few days later from XXXX ( XXXX I believe was her name ) asking if I have sent my mortgage payment. I let them know I pay biweekly and the payment should be there by the following Monday. She let me know my home qualified to remove the insurance but she needed to wait until the payment posted to my account. XXXX payment still included the Insurance, I just saw XXXX statement and it still includes the mortgage insurance. This company dragging its feet has cost us a little over {$1000.00}. Not sure what is going on here but its definitely deceptive at best and negligent at minimum
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$570.00} ), XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Mortgage

Ditech Financial LLC ( " Ditech '' ) issued me a check ( number XXXX ) in the amount of {$500.00} on XX/XX/XXXX. That check was issued from the Escrow account. That check states that it is " void if not cashed within 90 days. '' I contacted Ditech on XX/XX/XXXX and requested a replacement check. The call was recorded by Ditech at approximately XXXX am XXXX. The clerk assured me that I would receive the replacement check within XXXX days or XX/XX/XXXX. My followup call on XX/XX/XXXX ( recorded at XXXX am XXXX ) indicated that the problem was a technical issue and that I would receive the replacement check by the end of the week. 
My followup call on XX/XX/XXXX ( recorded at XXXX pm ) indicated that the check was in process. 
Follow up today, XX/XX/XXXX, at XXXX - recorded call with " XXXX '' ID - XXXX, supervisor XXXX ( ID - XXXX ) indicated that all previous statements were incorrect and that Ditech requires 30 to 60 days to reissue a check. I know that Ditech was in bankruptcy, but I thought my escrow funds were held in an escrow account, but now I am concerned that I will never get paid.
Product: Credit reporting or other personal consumer reports

These companies are being reported as hard inquires on my credit report, and I do not recognize, nor have I given consent to any of them to pull my report. According to the consumer laws for my protection the following companies must provide documented proof with my signature on it stating that I authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and Equifax must remove these inquiries from my credit reports. 
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