23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I open a secure credit card with my bank, and they tell me that in 11 months if i pay ontime, and user the card o basic, in 11 months i will a credit encrease and my deposit wil refunde to me, with interes, that i will have a unsecure card for the good use of the secure creditcard, so i contact the bank todady to find when i will get the desposit back and whn my creditcard will have a credit limit encrease, and this is what the bank tell me : XXXX XXXX XXXX on the chat with the bank : XX/XX/18 XXXX XXXX   XXXX XXXX. 
Dear XXXX : This is disclosed in the Deposit Agreement. We regret if you were provided with incorrect information. We upgrade secured accounts to unsecured accounts through an automated process. You do not need to do anything on your part. You will be notified by mail if your secured account is upgraded to an unsecured account. If you have any further questions, please do not hesitate to contact us at XXXX or send us an email. Sincerely, XXXX XXXX. Customer Care Senior Specialist XX/XX/18 XXXX XXXX  XXXX XXXX XXXX Your deposit has been placed into a reserve savings account where it will stay until you close the account, or the account is upgraded to an unsecured credit card. " '' '' I know this, when i open the account the bank tell me, that after 11 months the money will wil be send back to me or i will be unsecured credit card. They never tell me my deposit will been placed into a reserve savings account. 

XX/XX/18 XXXX XXXX XXXX XXXX. 
Dear XXXX : Thank you for contacting XXXX XXXX. Your deposit has been placed into a reserve savings account where it will stay until you close the account, or the account is upgraded to an unsecured credit card. You can request a credit limit increase and add to your deposit online. After you have logged into the account, click on the credit limit increase request link. Please fill out the form, and submit it online. You will need to provide requested credit limit and deposit amount, as well as the funding account information including bank routing number, bank account number and account type. It takes 7-10 days to see the increased limit in approved cases. If you need further assistance, please contact us at XXXX or send us an email.Sincerely, XXXX XXXX. Customer Care Senior Specialist XX/XX/18 XXXX XXXX  XXXX XXXX XXXX When i can ask for refund deposit or credit increase base on terms of the account. Thanks
Product: Debt collection

Stellar Recovery placed an item on my credit file and on XXXX XXXX, 2016, a validation request was forwarded to Stellar Recovery, since that time, no response has been made regarding the validation of the debt at all. I have since sent correspondence to Stellar Recovery advising that since they failed to supply me with the proper validation items regarding this debt, they must now remove their tradeline from my credit fil
Product: Checking or savings account

On XX/XX/2021, I got an email saying that my account had reached zero. Upon logging in to my account i realized that was truly the case due to a payment made to a XXXX  XXXX XXXX credit card for {$4500.00}. This resulted in not only funds being drawn from my checking 's but also incurring an overdraft fee on my account. I myself didn't authorize this payment, therefore I called my bank and reported it as fraud. They initiated a claim and told me that they couldn't stop the payment from going through so they would have to do an investigation to determine whether or not it was fraud. According to them the payment was made with my login information. I waited to hear a response from them and received a letter dated XX/XX/XXXX saying that my claim was denied. I called them back on XX/XX/XXXX to file an appeal. I'm not sure how to prove that i didn't authorize this payment but to my knowledge I don't even have a XXXX XXXXXXXX XXXX account. Additionally, I would imagine that possibly looking at the IP address of whomever logged in with my credentials should prove it wasn't me.
Product: Checking or savings account

USbank closed my account but did not delete my information. It is unlawful. I need them to delete all my account information on my online banking. 

They closed both my checking and credit card account. The checking account information has been deleted, but the information of my credit card still remains on my online banking account. It has my name, address, phone number and all important informations. 

USbank does not provide any reason to close my account. That is fine, although this is stupid because I did not violate anything. But I have the right to require them to delete all my personal information online.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX  XXXX Balance : {$20000.00} XXXX  XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XX/XX/year>
Product: Debt collection

I rented a shed from XXXX XXXX XXXX XXXX we decided to sell our house so there was no more need for the shed. We called the company paid over {$1000.00} to get the account paid up and scheduled a pick up for the shed. Then they waited months to actually pick up the shed, but kept on charging us monthly payments after they said the bill we paid would be all that was needed then sent us to the collectors at the FOX COLLECTION CENTER XXXX XXXX XXXX XXXX, TN XXXX which we now owe {$860.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning early  XXXX  we worked with a company called  XXXX   XXXX   XXXX  to assist us in getting my credit in shape. They did a fantastic job and my  credit score went up dramatically. One issue we were una ble to resolve was false reporting from  XXXX   XXXX   XXXX  on behalf of The  XXXX  Apartments in  XXXX  Tx. We 've sent multiple request to address a {$6900.00} balance that is absolutely fabricated. The first letter was sent in   XXXX   XXXX   XXXX   The second request for an itemized account of their reporting was   XXXX   XXXX  . The third request was sent   XXXX   XXXX   XXXX  . After  XXXX  attempts with no response, I am certain the delay is due to the inability to account for the charges. No response and no removal is unacceptable ... ... ..Please help!      National Credit Systems  -   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX  Phone (  XXXX  )  XXXX  Partial account number :  XXXX  Address Identification number :  XXXX  Original Creditor : THE  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted TransUnion by certified mail. I requesting TransUnion to update and correct all the false, incorrect, and inaccurate information on my credit file with the company. The letter was notarized and it included the legal following documentation that TransUnion requires a copy of my social security card, government picture ID, proof of address.
Product: Credit reporting or other personal consumer reports

In accordance to the fair credit act This creditor has violated my rights under 15 USC 1681 section 602. I have rights to privacy under 15 US C 16 section 604 a section 2 it says that a consumer reported agency can not furnace in account accounts without my written instruction under 15 USC 1666B a creditor may not treat a payment on a credit card under an open and consumer credit plan as a late payment for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened this auto loan with XXXX XXXX XXXX XX/XX/XXXX who has been reporting my payment unfairly incorrectly as late and past due and I have made my payments with XXXX XXXX who they recommended me to do since I didnt have a bank account at the time. 
I have never had made no late payments ever since I been with them but they seem to report incorrect information to all three credit bureaus in XX/XX/XXXX said I was 30 days late XX/XX/XXXX and XX/XX/XXXX 30 and 60 days late in XX/XX/XXXX they said I was 30 days late then again in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I was 30 60 90 days late. YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else
Product: Credit card or prepaid card

Dear XXXX XXXX XXXX Yamaha Motor Finance CFO , because of your agent ( s ) ignorance of the law, will result you in being fined under Federal Law. 

In CFPB Complaint ID XXXX CFPB Complaint ID XXXX Yamaha Motor Finance stated the account was not closed, and the balance remains due. 

However, as dated XX/XX/XXXX, I, XXXX XXXX, Consumer, am aware that Yamaha Motor Finance has closed my account without my lawful consent. 
Transferring another persons identifying information without lawful authority is in fact aggravated identity theft pursuant to 18 U.S. Code 1028A ( 1 ) ( 2 ) which was willfully and knowingly committed by Yamaha Motor Finance and XXXX XXXX D/B/A Yamaha Motor Finance CFO shall be fined. 

Because of your agents ignorance of the law XXXX XXXX D/B/A Yamaha Motor Finance XXXX  , I XXXX XXXX XXXX, am holding you accountable and you will re-open my account and update status with Consumer Reporting Agencys expeditiously. 

Yamaha Motor Finance stated the account is XXXX  days past due with a balance of {$13000.00}. On XX/XX/XXXX, the account balance was charged off for not receiving payments however, the account was not closed, and the balance remains due. 

However, As dated XX/XX/XXXX, Yamaha Motor Finance is currently furnishing to my Consumer Report that my account is Closed and Charged off if my account is not closed as Yamaha agent mentioned earlier, this is a violation of 15 U.S. Code 1692e ( A ) - False or misleading representations because you are furnishing it as Closed.

Pursuant to 12 CFR 1026.13 ( d ) ( 3 ) - Billing error resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

As Im aware Yamaha Motor Finance has violated The Truth In Lending Act pursuant

to 15 U.S. Code 1666 ( e ) Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon. The Finance Charge is a sum of all Charges payable directly or indirectly According to The Truth In Lending Act 15 U.S. Code 1605 ( a ). Therefore theyre shouldnt be any balance of {$13000.00} past due being furnished on my Consumer Re
port. Yamaha Motor Finance is in violation!! 
I will be putting your State Attorneys General on notice and CC this to the IRS as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an XXXX XXXX on my Experian credit report that is not mine - this card was not opened by me and does not appear on my report for any other credit bureau. I only have one account open with XXXX - I have paid it off entirely and never been late. The other card that I don't have any information for, thus is evidently fraudulent is overdue and maxed out. They are alerting me that the company ( XXXX ) said it is mine, so after the initial dispute they put the card back on my acct ; however, at this point, it is evident that it is fraudulently opened with my social security number. I need to have this account removed and investigated for fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an error on an account that was closed in XXXX. The account was being reported late for XX/XX/XXXX. I have disputed this late record over 45 days ago and Equifax has done nothing but collude with the company. Equifax has done nothing to correct my credit report. The account is XXXX XXXX XXXX. Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fruad Account reporting on my credit reports. 


1. XXXX XXXX {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give these people permission to ran my credit. Ive asked them to remove them and they are still on my credit. What can I do? 
Hard Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Automobile Dealers, Old ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XXXX XXXX, XXXX Mail Order Firms Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX All Banks Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX. 
Contact the inquirer : MAIL ONLY XXXX   Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX XXXX XXXX IN Inquiry : XXXX. XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX   XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX   Inquiry : XXXX   XXXX, XXXX Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX All Banks ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. 
XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX Real Estate and Public Accommodations ( XXXX ) XXXX Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX AND HAVE DIFFICULTY NAVIGATING WEBSITES AND COMMUNICATING VERBALLY OVER THE TELEPHONE. THIS DEBT WAS INCURRED WHEN I WAS IN AN ABUSIVE RELATIONSHIP AND ESCAPED. I DID NOT REALIZE HE HAD NOT PAID THE BILLS THAT WERE IN MY NAME. AFTER I LEFT, I CONTRACTED XXXX AND LOST MY JOB. AS SOON AS I WAS ABLE TO WORK AGAIN, I IMMEDIATELY PAID MY PAST DUE AMOUNT IN FULL TO XXXX XXXXXXXX XXXX, ONCE I LEARNED IT WAS UNPAID. I CAN FURNISH THE REDEEMED CHECK FOR THE FULL AMOUNT DUE. WHEN I CONTACTED XXXX  XXXX XXXX, THEY TOLD ME THE RECORD WOULD BE DELETED ENTIRELY ONCE I PAID MY BALANCE IN FULL, WHICH I DID. NOW, EVEN THOUGH I HAVE PAID THE BALANCE IN FULL, THEY REFUSE TO MARK TO DELETE IT AS PROMISED, AND EVEN REFUSE TO MARK THE ACCOUNT AS PAID, KEEPING IT OPEN FAR BEYOND REPAYMENT. THEY LIED ABOUT DELETING AND THEY ARE LYING ABOUT THE PAYMENT STATUS. I APPEALED TO EXPERIAN AND WAS DENIED. I DEMAND EXPLANATION HOW I CAN HAVE PAID EVERYTHING OFF ENTIRELY AND STILL BE IN UNPAID STATUS. I AM WILLING TO PROVIDE COPIES OF A CURRENT PROTECTIVE ORDER AND MEDICAL RECORDS AFFIRMING MY DIAGNOSES OF XXXX AND XXXX. IF YOU HAVE ANY QUESTIONS OR WOULD LIKE THE MENTIONED DOCUMENTS, YOU MAY MAKE CONTACT BY ANY METHOD YOU WOULD LIKE AND LEAVE A DETAILED MESSAGE, AND MY COUSIN WILL HELP ME RESPOND TO YOU APPROPRIATELY. THANK YOU FOR YOUR TIME AND KINDNESS. I HAVE ALREADY CONTACTED THE COLLECTIONS AGENCY, XXXX XXXX WITHOUT ANY RESPONSE WHATSOEVER. EVERY OTHER UTILITY INVOLVED HAS SO FAR DELETED THEIR RECORD, AND I BEGGED THEM TO DO THE SAME. THANK YOU AGAIN FOR YOUR KINDNESS AND MERCY IN ADVANCE. WHILE I CAN NOT PROVIDE PROOF THEY PROMISED DELETION, I DEMAND THEY PROVIDE A REASON WHY THIS SHOULD STILL BE LISTED AS UNPAID WITH A {$0.00} BALANCE. I VIEW THIS AS AN ATTEMPT TO EXPLOIT MY XXXX AND I WOULD LIKE TO KNOW HOW I CAN ATTAIN JUSTICE FOR THIS. WHEN I TALKED TO THEM ON THE PHONE THEY SAID THEY RECORDED IT, SO THEY SHOULD BE ABLE TO PRODUCE THE RECORDING AND PROVE THEY DIDN'T PROMISE TO DELETE THIS. FURTHERMORE, I HAVE AN EMAIL FROM THE ORIGINAL CREDITOR SAYING IT IS PAID IN FULL AND CLOSED.
Product: Credit reporting or other personal consumer reports

I am formally requesting in this complaint to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, XXXX XXXX sections XXXX, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission : XXXX : XXXX XXXXXXXX XXXX Open Date : XX/XX/XXXX XXXXX Balance : {$350.00} XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} Acceptance Now Open Date : XX/XX/XXXX XXXX Balance : - Acceptance Now Open Date : XX/XX/XXXX XXXX Balance : - =======Equifax : Avant / Webbank XXXX Date : XX/XX/XXXX XXXXXXXXX Balance : {$350.00} XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXXXXXXXXXXXXX Balance : {$6800.00} XXXXXXXX XXXX XXXX XXXX Open Date XXXX XX/XX/XXXX XXXX Balance : {$210000.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX : XXXX Open Date : XX/XX/XXXX XXXXX Balance : {$350.00} XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX XXXX Balance : {$210000.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00} XXXX Open Date : XX/XX/XXXX XXXX Balance : {$0.00}. In addition please provide evidence that the following accounts belong on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccurate accounts information as quickly as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the 15 U.S.C. 1681 aka the Fair Credit Reporting Acts ( FCRA ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : 1. DEPT OF ED/AIDVANTAGE Reason for Dispute. This account doesn't belong to XXXX XXXX I never opening up a loan with up with DEPT OF EDXXXX  in XXXX REMOVE INCORRECT PERSONAL INFORMATION & UPDATE PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : Pursuant to FCRA {$1600.00} under reinvestigation procedures, youre allowed you 30 days to complete this investigation, after which I authorize you to mail me my updated credit reports along with the investigation results, I am asking that your verify the account directly with the source of the information. If the account is verified, I will require that you provide me the mode and method of communication and verification you received from the furnisher. 

Truly, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant platform issues. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately, They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has neglected to protect consumers and allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Debt was settled for less than the full balance in 2012 by prior collection agency. I had disputed the validity of the debt with XXXX letters and I had also asked for them to provide me with proof that they were licensed to collect debts in the state of Texas. They provided me a list of where they are licensed and Texas was not included.
Product: Mortgage

My issue involves : XXXX XXXX, AmeriHome and XXXX XXXX in XXXX I have refinanced to XXXX XXXX from Amerihome During the refi process I was informed of multiple scenarios regarding my Escrow Refund. 

During the Refinance process my loan was sold to XXXX  XXXX  - I was told today by XXXX that my taxes were delinquent resulting in no refund. 

When signing my closing documents I was promised an escrow refund over XXXX. My issue now appears to be that my taxes weren't paid properly and I am not sure where the remainder of my funds went.
Product: Credit reporting or other personal consumer reports

I sent this attached letter to file a complaint with the company on XX/XX/year>, They obtained my credit report without my expressed written consent and have caused damages, they do not have any permissible purpose, and my rights have been violated. Please see the attached letter that was sent out and delivered via First Class Mail.
Product: Student loan

On XX/XX/XXXX I submitted a general forbearance request to Navient via email they provide. This is for a loan that was due on XX/XX/XXXX. I have been diagnosed with XXXX  related symptoms and dealing with their automated system has been very stressful. I have spoke with them in the past and advised that I do not find their website or telephone system user friendly so they provided me their fax and email. I also followed up the request with a fax same date. Did not receive a response so I emailed and faxed again on XX/XX/XXXX. On XX/XX/XXXX I received a bill that the amount of loan is passed due. 

This occurred last year also. They provide ways other than telephone or computer but then they do not process your information.