23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On Friday XX/XX/XXXX I was not able to long into Web Banking and called Comerica Bank XXXX Customer Service line. Was told there was no issue with Web Banking and the problem must be on my side. Tried numerous times to log in and decided to wait 24 hours and try again. Today Saturday XX/XX/XXXX attempted numerous times to log in and was not successful.

Today I called Comerica Bank XXXX Customer Service Line and was told Comerica Web Banking is not working and their IT department is working to fix it.

This is not acceptable to be locked out of Banking Access for 24 - 48 hours.
Product: Credit reporting or other personal consumer reports

The bankruptcy listed on my credit report is incorrect. The case you have reported as accurate is actually invalid. I have never had a case heard or adjudicated. There was never a judgment, which means no case was ever presented before a judge. Therefore, this entry should not be on my report. If this information continues to be reported without proper verification, I will seek legal action. My attorney is prepared to file a federal case within XXXX  days of this letter if the issue is not resolved. 

Please remove this account from my file immediately. 

Bankruptcy XXXX XXXX Reference # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove them, or prove validation. 
OXXXX 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: Vehicle loan or lease

At the beginning of XXXX I called to have both of my vehicles deferred and I was told that I would have to call back to request the deferment on XX/XX/XXXX because my payment wasnt late enough to be approved for deferment. I waited until the XXXX and called back to try the deferments again. I was approved on one within a few days but was denied on my XXXX  XXXX, which I was never notified of denial. I then called back on the XXXX to check the status of the deferment and was told it was denied because the deferment would not cover the balance due, even though it was only 30 days late ( one payment ). I asked how I owed an additional {$500.00} at that point and they said that I had made an agreement to make a payment, which would defeat the purpose of me needing a deferment. I explained that I wouldnt agree to that when the whole reason I was deferring a payment was because I could not pay. I then had to submit another request for deferment for two payments because one of the agents put that in their notes. I still have no resolution and it feels like they are making excuses not to approve this deferment. Very frustrating when just trying to get help
Product: Student loan

I have a private loan with Navient that was formerly XXXX XXXX. I started paying in 2006 and I have never defaulted or been late on a payment. I have been on forbearance a couple of times. After making many, many payments my original total {$10000.00} the balance has gone down less than {$200.00} on the XXXX loans I have with them. 
In the beginning of my loan they added on " capitalized interest '' in varying amounts from $ XXXX- {$1200.00}. They added that to my balance so they effectively have been charging me interest on top of interest. My interest rates are 7.5 % on XXXX of the loans and 9.5. % on the XXXX. 
I think the way they applied my payments, guaranteed that my principal balance would never go down. In fact, if I came close, my payment due adjusted to a slightly smaller amount. 
I am frustrated and have been discouraged that after paying thousands of dollars on this {$10000.00} the balance has only gone down {$200.00}.
Product: Credit card or prepaid card

On my Barclays Gap Card statement ending XX/XX/XXXX I had a balance of {$680.00}. I have autopay setup for the balance of my statement, which paid the {$680.00} on XX/XX/XXXX. I had returned {$270.00} worth of items on XX/XX/XXXX. Upon my autopayment XX/XX/XXXX, I had a balance of {$270.00}. Knowing this, and needing this money to pay my rent, I called the number on my card on XX/XX/XXXX, spoke to an agent, and requested it be refunded to me. I told was that a payment via check in the mail would be sent to me in 5 or so business days. It has been 23 days and I have not been contacted by the company and also have not received this money.
Product: Student loan

Applied for SAVE repayment plan in XXXX. Mohela cancelled request and put me on standard repayments. They sent a bill for {$390.00}. I tried calling and was hung up on by a customer service rep after holding for over 2 hours. I reapplied for SAVE, it has now been approved but they have not adjusted the payment amount. My account still shows {$390.00} due for the next payment. Even though the SAVE program dropped my payments down to {$84.00}. Mohela refuses to adjust my account correctly. Ive tried calling, Ive send them secure messages on their website and I dont get a response. I dont know what else to do other than seek legal action against them.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX i do not have a contract with XXXX XXXX XXXX they did not provide me with the original contract as i requested Account name XXXX XXXX XXXX Account # XXXX
Product: Student loan

I contacted Edfinancial, my federal loan service provider, on Friday, XX/XX/2022 after the government announced student loan forgiveness. I make below the income needed to qualify for forgiveness and I received a XXXX XXXX so I would qualify for the full $ XXXX forgiveness. 

During the pandemic, I made {$9700.00} worth of payments. The Federal Student Aid website explains that I can request a refund for all payments I made during the pandemic due to the CARES Act. The refund would reinstate my loan balance on Edfinancial so it could then be forgiven as part of Bidens Loan Forgiveness plan. I understand actually cutting the check would take longer since it comes from the government but its Edfinancials role to ensure the request is submitted in a timely fashion and that the balance is reinstated promptly.

That Friday, I called Edfinancial to make the refund request. They said the refund timeline would take a minimum of 150 days. This processing time is completely different from that of every other servicer. XXXX, XXXX XXXX, XXXX, and XXXX are other loan servicers and are quoting 3-8 weeks turnaround time. I also know people with accounts at these services and they are already seeing the balance reinstated on their accounts. 

I called Edfinancial a week later on Thursday, XX/XX/2022 and asked to confirm when the balance would be reflected back in my account ( again, its my understanding that the government issues the funds, but the loan servicing provider reinstates the balance on their own accord ). Once again, Edfinancial said it would take a minimum of 150 days and that they would ONLY reinstate the balance after the check was cut by the government. They also blamed the government for why they cant reinstate the balance on my account more quickly even though other loan servicing providers do not have to wait for the government to reinstate balances. 

This is worrying for me since the balance has to be reinstated for forgiveness to occur. This means that I wouldnt see the balance on my account until XXXX at the earliest, which would be when interest rates and payments would resume. Additionally, Edfinancial is not able to provide confirmation on any of this. They said they will not provide written confirmation that the refund request has been put through. 

Again, they are the ONLY student loan provider that is providing this long timeline. Other loan servicing providers are already reinstating balances on accounts after a few days, but Edfinancial is saying this will take 5-6 months to a year. I understand that Edfinancial has a lot of requests coming in but so do the other providers.

It's concerning that Edfinancial appears to be misleading consumers with these long payment timelines that would put consumers at risk for losing loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went filed a dispute for an error with TransUnion for a XXXX XXXX card that is NOT closed & shows last reported XX/XX/2020 on credit report through XXXX XXXX which also shows payments are current and most current payment made in XXXX, 2020. 

XXXX XXXX XXXX Last reported XX/XX/2020 PAYMENT HISTORY You've made 100 % of payments on time Last paymentXXXX XXXX, 2020 Payment statusCurrent Amount past due {$0.00} Worst payment statusCurrent I filed a dispute and TransUnion came back with the following : RESULT : Disputed information was verified as accurate TransUnion investigated your dispute but the information was verified as accurate. Other information was also updated. 

That is NOT true as I am currently charging something monthly to that card ; obviously still using it. Can't use it if the card/account is closed. 

TransUnion refusing to fix it.
Product: Credit card

Frontier Airlines charged my Frontier Mastercard {$590.00} on XX/XX/year> for a XXXX XXXX  that I did not authorize, do not want, and do not have access to on my Frontier Airlines account. I disputed the charge with Mastercard and was temporarily credited the {$590.00}. Mastercard subsequently placed the {$590.00} charge back on my credit card and closed my dispute, referring me to Frontier Airlines for resolution. 

Frontier Airlines has refused to remove the {$590.00} charge and advised that they consider the matter " closed ''. I informed Frontier Airlines that the dispute with Mastercard is closed ; I never authorized this charge ; I never wanted another XXXX XXXX ; and I do not have access to a XXXX XXXX  on my account. 

I have been charged {$590.00} for something I never authorized or wanted and have evidence that I was never provided access to. This is criminal theft of funds!
Product: Vehicle loan or lease

on XX/XX/XXXX, i paid {$280.00} for my payment due on XX/XX/XXXX. On XX/XX/XXXX i saw on the BMO app that they had double billed me. I called the customer service number and spoke to someone who assured me that after the XXXX days they required they would see the extra charge and it would be returned. however on the XXXX my bank account was overdrawn due to the double charge. i again called BMO the first call was disconnected after XXXX minutes of waiting on hold for an answer the second call I was told that they could not return my money due to the fact that it was an " auto deduct '' which it was not my payments are scheduled for the XXXX not the XXXX. after several more minutes I was told that the best she could do was apply the extra payment to XX/XX/XXXX and I said fine but XXXX require that in would not have another payment due till XXXX, I said fine but i require that in writing, i was refused, I argued and was then told I would receive a letter by E-Mail shortly. it never came. Now when I look the BMO app it shows the initial payment was taken for XXXX and the stolen payment came off my principal wholly. this tells me that they never had any intention of crediting my XXXX bill and will simply auto-deduct from my account on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX, Never gave the following Consumer Reporting Agencies XXXX XXXX XXXX XXXX, Experian Information Solutions Inc, nor XXXX XXXX, the written instructions to furnish the information for Inquiries in the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681s2 ( 6 ) ( A ) ( B ) A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. The Credit Reporting Agencies shall be fined {$100000.00} ( Per Violation ) for non-compliance under the Gramm-Leach-Bliley Act if you fail to comply and remove the items mentioned above.
Product: Mortgage

My mortgage originated XX/XX/XXXXXXXX  with XXXX XXXX which was included in a XXXX  XXXX Bankruptcy and the debt was discharged XX/XX/XXXX. I am still residing in my home as I chose to " pay and retain '', however DID NOT reaffirm the debt nor did the creditor obtain a relief from the automatic stay. 

On XX/XX/XXXXXXXX  my mortgage with XXXX XXXX was transferred to PHH for servicing. Although XXXX XXXX discontinued credit reporting as required under the bankruptcy laws, PHH unfortunately resumed reporting my mortgage balance, payment history, etc. to all XXXX major credit bureaus. 

After consulting with an attorney about this, I have been advised that the credit reporting of the account by PHH is a direct violation of Bankruptcy Code. See 11 U.S.C. 362 ( k ) and willfully violates the automatic stay as this violation injures an individual. The law also requires the creditor to pay the individual actual damages, including costs and attorney fees, and may be required to pay punitive damages to punish this violation.

Before I pursue legal action, I am requesting that PHH provide me with supporting documentation verifying how they are able to report my mortgage to the credit bureaus when the debt was successfully Discharged in a XXXXXXXX XXXX  Bankruptcy, not reaffirmed and Relief from the Automatic Stay was NEVER obtained by the original creditor? 

Prompt and immediate attention is greatly appreciated. 

Thanks!
Product: Credit reporting or other personal consumer reports

I requested original documentation from XXXX XXXX XXXX regarding an account they are reporting on my credit file. On XX/XX/year>, I sent a formal dispute letter requesting validation and clarification of discrepancies in the account. While they provided some documentation, there are clear discrepancies in the information provided, and critical details are missing. I followed up with an additional request for explanation on XX/XX/year>, but they have not responded to either inquiry. Their failure to provide accurate, complete, and verifiable information raises concerns about the validity of the account. I subsequently filed a complaint with the XXXX XXXX XXXX XXXX XXXX ), but the creditor did not address the issue, and the XXXX closed the case without resolution. This situation violates the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) : Under FCRA Sections 609 and 611, I have the right to request complete and accurate documentation for any account being reported to the credit bureaus. The creditor 's failure to address the discrepancies violates their obligation to provide verifiable information. FCRA Section 623 : As a furnisher of information, the creditor is required to ensure the accuracy and completeness of the data reported to credit bureaus. Their lack of response to my dispute and failure to correct the errors is a breach of this responsibility. Fair Debt Collection Practices Act ( FDCPA ) ( if applicable ) : If the creditor is a debt collector, they are in violation of FDCPA 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 correspondence from XX/XX/XXXX and XX/XX/XXXX, as well as evidence of the discrepancies. I seek the CFPBs assistance in resolving this matter and holding the creditor accountable for their actions.
Product: Credit card

On Saturday, XX/XX/2023, I was attending an event sponsored by Bass Pro Shop. With this, they had stands set up for Bass Pro Shop Club card applications. We had a gentleman persuade us to apply before knowing it was a credit card application. I began to fill out the application but quickly realized it was for a credit card and stopped. I told the gentleman that I didnt want to apply for a credit card and to not proceed with my uncompleted application. He agreed, and we walked off. This morning, XX/XX/2023, I received an email welcoming me to the Bass Pro Club, which I refused to finalize my application for, which means my application was fraudulently completed and submitted by someone other than me. Today, I contacted Bass Pro, who then transferred me to XXXX XXXX, who then helped me file a claim and close my account. They stated that it could take up to XXXX  days to determine if the act was fraudulent.
Product: Credit reporting or other personal consumer reports

I originally disputed this account XXXX XXXX XXXX XXXX back in XX/XX/2023 via FCRA for an inaccurate information And After my 1st dispute it was still active and never removed from my report up until my second time filing, a complaint, The XXXX consumer agencies, did not do there job thoroughly AND that is a violation TransUnion, XXXX XXXX, violated my federally protected consumer rights to privecy and confidentiality under 15 USC 1681 * 15 U.S.C 1681 section 602 A. States I have the right to privacy. * 15 U.S.C 1681 Section 604 A It also states a consumer reporting agency can not furnish a account without my written instructions Plus More violations listed below *15 U.S.C 1681 ( O ) *15 U.S.C 1681 ( i ) *15 U.S.C 1681 ( e ) ( b ) 15 U.S. Code 1692 ( f ) 15 U.S. Code 1692 ( a ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( e )
Product: Credit reporting, credit repair services, or other personal consumer reports

received a credit inquiry on XX/XX/2021, XX/XX/2021, from EXETER FINANCE CORP . I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX, XXXX XXXX, 2021 and XXXX XXXX as of today I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT. I HAVE ATTACHED A COMPY OF MY POLICE REPORT AS IT APPEARS THAT MY IDENTITY MAY HAVE BEEN COMPROMIZED.
Product: Student loan

On Thursday, XX/XX/XXXX, at XXXX XXXX, I received an email from Aidvantage - my student loan servicer since they took over from XXXX - telling me my monthly statement is ready. It included the amount due for the month and the due date of XX/XX/2022, nearly 7 weeks earlier than the expiration of the national moratorium on student loan repayments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to covid, I am sure you are backlogged, however, there are some accounts that do not belong to me. I can assure that I am not a credit repair company, though I am really concerned that there are items on my credit report that do not belong to me. Please remove immediately. Thank you.
Product: Checking or savings account

I opened an IRA account in XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX which was located in XXXX XXXX, FL. According to my research, XXXX XXXX merged into XXXX XXXX Bank in XX/XX/XXXX, which later merged into or was acquired by PNC Bank National Association in XX/XX/XXXX. While reviewing some old tax records this weekend, I found an IRA Account Statement from XXXX XXXX dated XX/XX/XXXX. At that time the balance in the account was {$28000.00}. I have no other more recent records and never received a distribution from this account. PNC says it has no record of the subject account or my name as an account holder. I have talked to PNC, the Florida Dept of Financial Services ( escheat dept ), the FDIC and the OCC. My husband and I have lived on social security for over 20 years and are in poor health. Recovery of the lost IRA funds would be a XXXX sent blessing to us. Someone some where has to have record of what happened to this account, including while located at XXXX XXXX, as well as after it was acquired by XXXX XXXX and again when it was acquired by PNC. Where are my IRA funds now? I am praying that CFPB can help us.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX corrected and then RE-MISREPORTED FALSE LATE STATUS Everyday of false reporting is a LARGE COST to me that XXXX XXXX XXXX WILL BE PAYING. 

Need help from CFPB
Product: Debt collection

I recently applied for credit and during a review of my credit report an entry for Alpine Credit was identified as active and unpaid. This is patently false and I have documentation to prove my claim in the form of the payment receipt and confirmation from Alpine that the debt was paid in full back in XXXX of 2012 along with a guarantee from XXXX XXXX XXXX XXXX that the debt would be removed from all of my credit reports!
Product: Checking or savings account

There were multiple unauthorized automatic debits from my account that were unauthorized. Also, the merchant didn't complete the work that was paid for initially and forced me to hire another company. My bank stated that they didn't owe me anything back because they provided service to me.
Product: Credit card

This account is invalid. CITICARDS CBNA needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. 
Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

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

I had no dealings with this company ... there are inquiries that were not authorized.
Product: Mortgage

I had a mortgage with Shellpoint Mortagage Servicing, XXXX XXXX XXXX, XXXX, TX XXXX refinanced the loan on XXXX XXXX 2015 ( XXXX ). The escrow company wired the payoff to Shellpoint on XXXX XXXX ( XXXX ). Shellpoint claims that they received the payment only on the XXXX of XXXX ( XXXX ). Therefore I land up paying interest on XXXX laons for XXXX XXXX through XXXX XXXX. I think Shellpoint is lying and even though the money was wired to them on XXXX XXXX they are claiming XXXX XXXX.