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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX CARD SER XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Contacted these companies multiple times about placing a security freeze on my file but to no Avail did it work, so now i come to you for results. I have the picture of proof that these files have been frozen but everytime i download my report each month it doesnt say such i need these bureaus to show proof they have placed a security freeze on my credit file
Product: Student loan

I am seeking help getting information on exactly what Im making monthly payment towards. Back in the mid to late XXXX I attended a XXXX XXXX. The college was one of the newly accredited schools that was in a plaza. I took a 2-year course in XXXX  and received my XXXX XXXX in XXXX from the school. The issue is that I am still paying for the student loans I took out over 20 years ago. The loan has since been consolidated first with Sallie Mae, then with one other place before landing with Navient. I currently still owe over {$20000.00} in tuition to for a two-year course. What is worse is I also attended a private university in XXXX XXXX XXXX Florida named XXXX University  about 10 years after attending XXXX College and earned a XXXX. Both loans were consolidated with Navient in XXXX  so I have been paying on both loans for a little over 16 years. Currently I still have a balance of {$1300.00} combined on both XXXX loans but still owe over {$20000.00} on the loans I took out to attend XXXX college back in the XXXX. I need help, Ive inquired numerous times with Navient on a breakdown of what was disbursed to make up the balance I still owe and to date they have not been able to help me understand why Ive paid {$16000.00} ( only since 2006 ) towards the XXXX balance and still have over {$20000.00} left to pay on that loan. I am blindly paying for something I have no information on. I recently asked one of the reps to explain how I paid off a loan to a Private University  in XXXX XXXX Florida surrounded by Rich kids driving XXXX  and still owe over XXXX to the XXXX loan and she had no idea. I recently stopped my auto payment because the most recent deductions rose to {$730.00} a month. I can not afford to continue to pay for a bill when I Have no idea what I am paying for. If I paid XXXX and continue to pay thru XXXX an addition XXXX, that is over {$30000.00} for a two-year pop-up college. This can not not be legal, please help me. I also received numerous Pell Grants from the Dept of education from XXXX College as well, which makes the tuition balance even higher. And this all only represents what was paid in XXXX, what about the other payment prior to XXXX. Something is wrong and I need Navient to do the homework and tell me what I am paying for or stop billing me. I thought it was illegal to expect payment with no bills. Please help me. 
I attached a spreadsheet of what was paid to date for the 4 loans and what is outstanding. I included my Navient account number. Please help me, I have a XXXX daughter and I can not afford this.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

The last complaint is number XXXX, I received a response from Penny Mac, on Friday, with their same standard format, indicating they are researching the matter. Based on their past history, this is what will happen, I will receive another standard format in the next couple of days and this is what it will say ... Based on our enquiry we found no evidence that we have done anything wrong. I sent you the copy of their statement and this is what they do to me twice a year. This is been a problematic and chronic. So, in other words it is okay with them to continue their wrath. You can review my previous complaints outlining the same issues. There will never be any enquiries, whatsoever. It is only a standard format, in order for them to follow the protocal, for the government. They have an overturn of employees.

I have pasted one of the links against PM, for your review. This is not a handful of complaints against them. The list is endless. Consumers have posted blogs and it is viral. I contacted a couple of law firms in XXXX XXXX and had spoken with them and each indicated without commenting on the litigation, if there were any class action against Penny Mac and guess what, there are and it is Penny Mac 's employees, who are the litigants. So, I asked, if they were whistle blowers and they replied, reluctantly, yes. I chuckled and replied, they will receive justice.

Did your bureau have any knowledge on the matter? If not, now you do. Now about me. This Penny Mac is ruthless, unprofessional, forgery, fraudulent, thieves, emotional distress, screaming at me, etc. I have uploaded my initial complaint, per XXXX XXXX and thus, as of this day, nothing is whole. I had never heard of this bureau, until XXXX XXXX referred had indicated that it was time for the foregoing complaints and this is not going to stop. 

In addition, their extension numbers and web is ineffective. Do I care, no? They are disrespectful and arrogant. One of the employees, is XXXX. Bad news. All of my payments are through my credit union only, not them. They are not trustworthy. The evidence has been a ten year problem and they still have me in delinquency, as usual. They are a group of XXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX my mortgage company increased my escrow payment effective for XX/XX/XXXX. I contacted the mortgage company after receiving this in the mail on the following dates ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I called I Informed them on several occasions that I was a XXXX XXXX service connected XXXX veteran on a fixed income and that the increased payment was going to be financially burdensome. After speaking to a representative at the company I was asked to provide proof that I would be receiving a XXXX veterans homestead tax exemption which would have made it possible for them to have my escrow payment lowed. During a conference call with my county and the mortgage company some records were sent to verify my tax exemption status. Those records were received by my mortgage company however, they have refused to lower my escrow payment after I have made several request, both in writing and verbally over the phone, with over 10 different employees. Some of whom I was told were supervisors. I have told them several times that they have overestimated my taxes due to my tax exemption but when I call they are often rude and not helpful. After trying to get this fixed before the new high payment went into effect, I am left here at the due date trying to come up with the funds so I don't loose my house.
Product: Debt collection

Please heed this notice very carefully. I believe this is about the 4th time I have sent you notices disputing the bogus liens on my credit report plus other derogatory information. You are not using reasonable procedures to assure maximum possible accuracy of the information on my report. Your company policy and procedures are violating the Fair Credit Reporting Act ( 15 U.S.C.A. section 1681 et. seq. ). I am questioning your methods of obtaining information. You have to do more than just phone the county recorders office and get their okay, or however you verify information because you REFUSE to provide me any proper verification. Court cases I have on record back me up on this point. The word verify means : To confirm or substantiate by oath or affidavit. Particularly used of making formal oath to accounts, petitions, pleadings, and other papers. The word verified, when used in a statute, ordinarily imports a verity attested by the sanctity of an oath. It is frequently used interchangeably with sworn.
Product: Debt collection

I am receiving phone calls of XXXX, XXXX XXXX, XXXX of XXXX and XXXX from Gatestone & Company International , Inc., debt collection representatives for an account and debt from XXXXXXXX XXXX XXXX. For {$16.00}, XXXX thats not my account or debt and is the result of identity theft. I have never opened or had an account with XXXXXXXX XXXX XXXX. The debt collection account is a fraudulent account and debt from the result of identity theft. Gatestone & Company International Inc., is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law. Reference Number : XXXX
Product: Debt collection

I lived at XXXX at XXXX XXXX in XXXX, XXXX  from XXXX. Once I moved out in XXXX, I received a notice that I owed {$44.00} for damage to the apartment and I would not be getting any portion of my deposit back due to {$75.00} worth of damage. I called XXXX XXXX with XXXX ( the management company ) and advised there was no damage in that apartment while I was living there and I asked if he had photos. I have an email from XXXX XXXX on XX/XX/XXXX with a photo of a portion of the blinds with a timestamp of XX/XX/XXXX. 2 years before I moved into the apartment!!! I have talked to their debt collection company, Transworld Systems 4 different times to dispute this debt but they keep saying the debt has been validated. The only validation is a letter I received with a copy of my lease. The lease proves my point that I did not move into that apartment until XXXX, yet the photo I was sent was from XXXX. Apparently a second validation was mailed out on XXXX but I already received a call today ( XX/XX/XXXX ) trying to collect the money from me! I haven't even received a letter yet. This is wrong and the collection account needs to be closed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Originally This account was handled by XXXX XXXX XXXX XXXX XXXX, in XX/XX/XXXX, at some point it was transferred to the XXXX XXXX XXXX/XXXX XXXX XXXX XXXX and was in deferred status but XXXX says that it was not in deferred status in XX/XX/XXXX, XX/XX/XXXX and that they sent correspondence, so the went into delinquency even though I told them that it should have still been deferred and as far as I knew it was. I am XXXX of a small XXXX, and have been working in and around the XXXX XXXX XXXX for the last 22 years, and was unable to make all of the payments. This Account has been closed and reopened over the last 13 years, many times since XX/XX/XXXX. Forward to XX/XX/XXXX the old account has been closed and a new account has been opened and is being paid to a new company called XXXX XXXX XXXX XXXX, but the old account is still showing as derogatory and says to contact Creditor. Right now I am scheduled for another 10 years of payment! Honestly I do n't know what has been paid and what has n't. Now every time anyone looks at my Transunion, XXXX and XXXX credit reports I get a new black eye. The last two attempts creditor wrote that I needed to get my Transunion Report after a Hard Pull.
Product: Credit reporting or other personal consumer reports

TranUnion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Dear TransUnion, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am a victim of identity. These items are not transactions conducted by me as a consumer XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employment Information : XXXX XXXX, XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 


Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reported a few late status on my credit report. I paid on time and the account is now closed.
Product: Credit card or prepaid card

I opened a credit card with Bank of America on XX/XX/XXXX. After I received and activated the card it was then blocked by Bank of America. I know this is for my protection but a huge inconvenience when you have a cart full of groceries. In order to unblock the card I called the customer service representatives who only made the problem worse. They accused me of trying to swipe the card vs using the chip saying thats what caused the block. Knowing they were providing false information I asked for a supervisor. I was then put on a lengthy hold only to have a very rude person get on the line who called themselves a manager but could not escalate the situation. I was told this will happen for 6 months until spending trends can be analyzed. I have spoken to several representatives in an attempt to get this resolved. The situation only gets worse getting conflicting information about my account. My biggest problem is with the customer service representatives that have no accountability for what they say. Mistakes happen but it seems they just make things worse by making statements that arent true. They have failed to reach back out to me to come to any resolution. All I asked for originally was to consider a balance transfer at no charge for the amount of the purchase that was declined. That is roughly {$14.00} fee I asked as a courtesy to be waived because of problems I faced. They continue to say nothing can be done and they cant control what other customer service agents say, but just repeat the company line and intentionally mistreat the people calling for help.
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed multiple billing errors. These late payments do not reflect my regular payment habits. Please fix these inaccuracies and update my account. Thank you!
Product: Credit card or prepaid card

Synchrony Bank currently has an issue where they do not properly perform the " autopay '' feature currently advertised on their website. For my personal situation, I pay my bill on the XXXX of each month through autopay and another statement generates on the XXXX of each month. 
The autopay feature failed on the XXXX with no notice and a new statement was generated on the XXXX showing I had made no payment. Synchrony Bank then sent the statement showing a no payment to XXXX, XXXX, and XXXX. This has harmed my credit while I am currently applying for a loan. Synchrony is currently reviewing the technical issue while I am stuck having to fix their issue. They said they would not reach out to fix their problems with the credit companies and that they will just take the full balance on the following month 's billing.
Product: Checking or savings account

I opened a checking account with Huntington bank online, I linked an external account that Huntington approved, I then deposited required funds to get bonus offer, Huntington received funds and then sent back funds to me and gave no reason why causing me to lose interest by keeping my funds for several days before sending funds back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on my account because I never recieved a bill and by the time i realized it was due I had trouble making a payment online repeatedly becauce of technical issues. I tried calling but was on hold forever and couldn't at work during business hours. By the time i had time to make the payment the payment was late even though i emailed the company to please assist me. They also never called or sent me a bill in the mail so i had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its my only one with this account and it effecting my ability to get a good interest rate on a home. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as I feel i did everything i could to pay it on time. Thanks
Product: Checking or savings account

On XX/XX/2020 DM financing authorized a payment of {$230.00} to come out of my XXXX XXXX checking account without my consent after that I contacted my bank and they found that the payment on the XXXX came at a different time than all other payments and that it was processed at the store at XXXX two hrs and 2 mins before they are open to the public. My bank found that it was a frudulent charge and returned the money. Since then I got behind by 3 weeks of payments they sent a cobb letter but faild to send it ceritifed and wait the 30 days before doing any thing they then reoped the vechical on XX/XX/2020 and then gave only a 6hr time frame to retrive my stuff and as of today Monday XX/XX/XXXX they have not answered my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, Equifax has deleted or removed my entire credit history and my credit file from being accessed or viewed. Today, XX/XX/XXXX, I replied to preapproved offers based on my XXXX credit score being XXXX and being a member of XXXX XXXX XXXX XXXX I was preapproved for two confirmed credit offers. When I used my preapproval code to submit the application, it was rejected due to the number one reason being insufficient credit history. This is the issue that I am having with equifax. I am XXXX XXXX XXXX with a credit history that goes back to XXXX. My credit accounts from the XXXX are still open and are currently in good standing in my entire history and mortgage, and auto loans have disappeared. This is left my credit score as a zero or nonexistent and creditors and banks are unable to access my credit file thats making me in eligible for receiving credit. 

I just spoke with the manager at XXXX XXXX XXXX and they informed me that within their software confines when they attempt to pull my Equifax report, it shows is nonexistent and it is blank, only showing my first and last name. XXXX uses a Equifax to qualify applicants, but Equifax has deleted my entire credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following hard inquiries are fraudulent.ally, XXXX, XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.