23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

There are a number of issues I have encountered wit  h Navient that I had assumed were just normal frustrations over loan servicers. Issue number one was the obscure emails I would get stating that my, " Loan document was ready to be viewed '' and was then provided a link that would not take me to my loan documents, but rather my normal servicer website. I would then have to work extremely hard to even find where my loan documents were as they were not filed under any normal tabs or website areas ; I would be directed to login to a separate page and when I would, I would be directed back to my normal Navient account website.
Issue number two, I have attempted to apply for income based repayment plans four separate times with no success. I apply online, my husband finishes his portion of the application that is sent to him, then I get an email letting me know I would be informed when I was approved or denied. The first time, I never got such email so I called Navient after a while and was told the application was never completed ( even though I had    emails proving it ) and I would have to start a new application, but that they would apply a forbearance until it was approved. During my second application, I was requested to provide proof of income, but that if I applied through the IR S Data Retrieval tool, it  would automatically pull income for proof. I decided to apply through the IRS  Data Retrieval  tool to streamline the process. However, I received an email later stating that my application had been denied again since I did not provide proof of income. When I called to discuss this, they said my application was, indeed, expired and I would have to apply YET AGAIN and they would apply an additional forbearance. My third time applying for income based loan repayment I was switching jobs ; I left my previous job in  XXXX , started my new  one on   XXXX   XXXX  but would not draw a paycheck until the end of  XXXX . I applied the third time, immediately calle d Navient and  inquired about my proof of income since I would have no paychecks or pay stubs until the end of  XXXX . I was informed that I would be able to provide a letter of job offer that had my pay scale included in the letter. I contacted my HR department, received the letter, and submitted it t o Navient and  was later informed that my application was denied because a letter of intent did not count as proof of income.   Third, I recently received an email that my loan payment amount was about to change and that action was needed as my income driven repayment plan was about to expire. However, I was never approved for an IDR plan and was still required every month to py {$350.00} instead of an amount based on my income.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$24000.00} XXXX XXXX XXXX : {$25000.00}
Product: Student loan

I am writing about the TPSLF program going on right now. I first applied in XX/XX/2022 and had all the correct loans, repayment plans, etc. I received a letter XX/XX/2022 that my employment was approved and I was eligible for PSLF. The letter also said Id be moving from my current loan servicer to Mohela in the coming months. I did not hear anything for months. I reapplied directly with mohela in XX/XX/2022. Right now it says my application was been processed and to wait 90 days. Its been well over 90 days. My student loan still sits at XXXX, my previous servicer. Mohela does not help me or explain why my application is frozen as others who applied literal months after me gain forgiveness within a few weeks. They do not explain who I can contact to be sure my loans move over to their business for forgiveness. I cant even get a payment count, which is a major part of PSLF, to show up anywhere so that I know how close I am to forgiveness and make decisions related to my employment. My repeated calls and requests for help with MY specific application/loans are met with either we dont know or giving me generic robotic answers that dont apply to my situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive spoken to several RUDE representatives since Ive been dealing with this company for 9 months. Its unbearable! I make my payments every month they may be a couple of days late, but never too severe for the treatment that I get when speaking to someone over the phone, it makes me angry to even call in every month to make my payments, if the store wasnt so far I would just drive there to make my payments. My other concern is that Im making my payments, but my balance is increasing and when I call in to find out why theres the attitude Im getting from the representatives. Im stuck and I dont know what else to do. I just received an alert from my credit advisor and stated that my credit balance has increased by {$100.00} which has gotten my credit utilization up and its stating that my account is 30-59 days late which has now dropped my credit score. I am in the process of buying a home and this is going to hinder me from moving further. Its causing an emotional toll on me and its financially straining me. Im at the point of turning this over to my attorney to have him further investigate ALL of my issues and having him subpoena ALL of the calls and pursing legal actions against them. I just made a payment of {$85.00} and Im not understanding how my balance is still increasing. I am giving this 30-days to handle this situation, if not I will be forced to pursue with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently acquired an new credit report from Transunion and came across several credit inquiries not authorized by myself. Initially, I thought I had a fraud alert on my account. I'm guessing that with a fraud alert, Transunion still openly shares credit files with any and all people. THIS IS KINDA JACKED UP. I have not applied for credit in over 2 years. Explain how these inquiries are on my report.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to respond to my dispute letter of XX/XX/2021 within 30 days. I sent this letter XXXX certified mail and have enclosed a copy my original letter, the certified mail receipt, and the XXXX tracking report showing delivery on XX/XX/2021, as well as my follow up letter on XX/XX/2021. 

No response or action was taken on their part. This failure to comply with federal regulationsby a credit reporting agency violates the FCRA.
Product: Mortgage

amerihome Mortgage erroneously included an extra insurance policy into my escrow whereas I only have one policy. Because of that, my monthly mortgage payment has increased by more than {$100.00}. I have called them 5 times and emailed multiple times and they have not corrected the escrow and monthly payment. It has been about 3 months and they completely ignore my requests.
Product: Credit card or prepaid card

Discover incorrect reports my name on my acct to the credit reporting company employee of discover harasses me with confidential info and slanders me defames me, acct paid off tells people i dont pay my bills when i do
Product: Credit reporting or other personal consumer reports

I am filing this complaint because Affirm Inc. and XXXX have inaccurately reported a 30-day late payment on my credit report, which is causing unjust harm to my creditworthiness.

Details of the Issue : Account : Affirm Inc . 
Date of Reported Late Payment : XX/XX/scrub> 2023 Issue : My account was closed on XX/XX/year>2023, yet XXXX and Affirm reported a late payment on XX/XX/year>2023 after closure, which is a clear inconsistency and misreporting. 
Balance : {$0.00} ( the account was paid in full ) Credit Reporting Violation : This incorrect reporting violates the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), which requires data furnishers to report only accurate and verifiable information. 

Actions Taken : 1. I disputed the late payment with XXXX and requested verification. 
2. I contacted Affirm regarding this issue, but they have failed to correct or provide proof of the validity of this late payment.

3. As of today, the late payment remains on my credit report, negatively affecting my credit score and financial standing.

Requested Resolution : Immediate removal of the inaccurate 30-day late payment from my credit report.

Correction of my account history to reflect Paid as Agreed without any delinquencies. 
Written confirmation from XXXX and Affirm stating the correction has been made.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the list of the accounts below, has violated my federal, protect the consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any other following items of information any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 responsible cause to believe that the information is inaccurate
Product: Debt collection

Transworld systems started calling me daily about a apartment lease balance that was paid.
Product: Student loan

When my loans were transferred from XXXX to Mohela, for some reason, I lost an already-approved payment. Under XXXX, I had XXXX eligible payments, with XXXX qualifying payments remaining. Under Mohela I have XXXX qualifying payments remaining. 

Further, while I submitted documentation for the XXXX XXXX program to both XXXX and Mohela - Mohela still has not processed the submissions. Further, XXXX refused to provide credit for working as a XXXX XXXX XXXX, and I often had to triple-submit information for them to finally read it, process it, and provide credit for my XXXX  XXXX XXXX
Product: Credit card or prepaid card

Good morning, yesterday, XX/XX/XXXX, I received a new credit card statement from Wells Fargo regarding my XXXX XXXX XXXX  card.Upon looking at it, I was charged {$830.00} in interest. The problem with that was that I was receiving emails from Wells Fargo stating that I had until XX/XX/XXXX to pay off my remaining balance in full before I would start getting charged interest. The first email came on XX/XX/XXXX, at XXXX XXXX ; and I received a second onXX/XX/XXXX at XXXX XXXX, which was hours before Wells Fargo sent me that statement with the interest charge. I have attached both emails as .txt documents below.

I then questioned Wells Fargo via message center on their website and I received a response from someone named XXXX and part of her response was : " You have two promotion on this account with no interest if paid if full that ends on separate dates. The first purchase made on XX/XX/XXXX expired on XX/XX/XXXX and the second purchase made on XX/XX/XXXX expires on XX/XX/XXXX. '' I was never informed of a promotion that ends on XX/XX/XXXX, since I have set up my Wells Fargo account to automatically send payments on certain dates to avoid late fees. Those two initial reminders form Wells Fargo about interest fees certainly did n't mention anything about XX/XX/XXXX. I again contacted XXXX via the message center and asked why I was being charged something I was never informed about when they did n't hesitate to remind me twice about interest before, and I was willing to pay off the remainder of my balance minus the interest fee, which was {$300.00} right then and there if the fee was waived. She replied there was nothing she could do and I then sent a response saying to cancel my card, I would like to speak to a manager, and that this practice is deceptive because it charges on a fee that was never mentioned before. I never received a reply after that, so I am assuming that they have closed the complaint. I have also attached those conversations below.

The real problem about this is that I was systematically trying to pay off my debts to raise my credit score because I am trying to buy a home. My balance for this Wells Fargo card before the interest fee was {$300.00}, which I was planning to pay off on a weekly basis until XX/XX/XXXX, which is what I was told by Wells Fargo was the deadline to pay in full without interest fees. In fact, I had a payment scheduled on XX/XX/XXXX that cleared for {$100.00} to get the balance down to {$200.00} and I would pay off the rest the next two weeks. It is unfair to be charged {$830.00} in interest unknowingly for a {$300.00} balance all because the credit card company was informing me of a date later down the line. Having a balance of {$1100.00} is a big difference than having no balance at all when it comes to paying off bills, and that charge is really going to set me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letter to navy federal asking them to dispute these negative late payments from my report because it was unfair and abusive to my general reputation as the consumer and at the time I have been going through hardship. They responded and said they are only allowed to report accurate information. But, that's not true they lied to me! because as a educated consumer I have read the laws of the FCRA and the FDCPA and it states in 15 USC 1692D 1 ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with collection of a debt. without limiting the general application of the foregoing, the following conduct is a violation of this selection : 1 the use OR threat of use of violence OR other criminal means to harm the physical person, REPUTATION or property of any person. I have explain to the debt collector that my consumers reports is my general reputation and that The FCRA ALSO STATES 15 USC 1681 The banking system is dependent upon FAIR and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and UNFAIR credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. My consumers reports have been indeed unfair to my reputation as a consumer I have a right to privacy and I have explain this to the 3 major credit bureaus and navy federal in the mail and over the phone numerous times. I hope cfpb is able to help me with this issue.
Product: Credit card or prepaid card

At the end of XX/XX/XXXX, I called up Macy 's customer service to ask for balances on 2 gift cards that I had not used for a while. I was given the amounts and told that the cards were put in suspension because of lack of use. They advised me that if I provided contact information and copies of both sides of the gift cards, that they would unfreeze the cards within 30 days. I provided this information on XX/XX/XXXX via email which Macy 's acknowledged. On XX/XX/XXXX, I again called ( XXXX ) in customer service as my gift cards were still frozen as of that date. I was told to again submit the information that I had done previously and received a confirmation of receipt from Macy 's indicating that they will review the data and process accordingly. On XX/XX/XXXX, my cards were still frozen so I talked to XXXX in the Resolution Specialty Department at Macy 's who had me resubmit the information again and who specified my cards would be unfrozen by XX/XX/XXXX and that she would make a point of calling me back that date to verify it. She has not called me back. On XX/XX/XXXX, I spoke with XXXX in customer service and she again told me to resubmit the information that I had already submitted 3 other times. She advised nothing can be done without this submittal. I advised her that I will take it up with the appropriate government agencies since I could not understand how a worldwide known corporation such as Macy 's would not have the ability to put in place procedures that would comply with the laws of California. As more and more people use gift cards rather than cash, this is virtually stealing from those who buy their gift cards.
Product: Credit reporting or other personal consumer reports

For the past few months, I have requested that an XXXX XXXX XXXX  that does not belong to me be removed. Each time I sent the credit bureaus a request, the account still needed to be removed. XXXX eventually removed the account. For some reason or another, the account remains on Equifax and XXXX. The XXXX account is not mine, and I was initially an authorized user. The original owner removed me from the account, but the credit bureaus refused to remove it from my credit report.
Product: Checking or savings account

XX/XX/XXXX I received an email from Cash app that they were closing my account and then I was no longer allowed to use them. I've used cash app for years and all I do is pay my bills matter of fact most of my bills auto deduct from my cash app card I use it more than I use my XXXX XXXX  card so I was sure that it had been a mistake so on XX/XX/XXXX I sent him a message asking why they were closing my account and that it might be a mistake and I was told that they couldn't see why it was closed but they could send it up to the next department and it could take anywhere from 30 to 60 days. I found that really odd that they could inform me that I broke some rule but not tell me what it was that I did. I tried several more times from different customer service reps at Cash app and I was given the same answer every time that they couldn't do it or they reps at Cash app and I was given the same answer every time that they don't know what the reason was but still they close my account and said I can't use them anymore All I want is an answer to why they close my account and they will not give me one I get the runaround every time I talk to them they give me the same answer that they can't tell me and and someone will get a hold of me well it's been over 30 days and twice now they have closed my complaint ticket before you even giving me an answer. Having that card just closed on me really affected my bills and everything like I said everything was under deducted from there and they've never given me an answer and they're never going to give me an answer I don't think that's right they tell people to use your card and get direct deposit and all this stuff but then they can just close your account and not tell you why they closed it they're being very vague they said some rule was broken but they won't tell me what it was no one seems to know what it was so how do I know it's not a mistake anyway I would like to know the reason why they close my account.
Product: Debt collection

This is a mortgage loan over 10 years and they still have it active. the home was foreclosed on by the homeowners association which I no longer have the property but they still call to pursue payment. saying that i still have the property I spoke with someone there they told me show them documents that the homeowners accumulated the property and they should Release Me From This death and they not have done so I went back got all the documents and email them and they did n't live up to the word.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND time contacting you about incorrect inquiries showing up on my credit report. I previously sent you a request to investigate those inquiries, and your conclusion was to contact the creditor directly. As I stated in my previous letter to Equifax, I have already contacted every creditor directly and they have no proof of permissible purpose or even a record of me on file.

I have heard of this happening before, where a company pulls someone's credit WITHOUT permissible purpose - and as you know, it is a violation of Section 604 of the Fair Credit Reporting Act, 15 U.S. Code 1681b, Subsection ( a ) for you to furnish my report to any entity that does not have permissible purpose. I am still waiting to see ANY evidence of verification or proof of that purpose with these inquiries ( from Equifax OR the creditors ). So here they are again, these inquiries should NOT be on my credit report. I request that you REMOVE these inquiries IMMEDIATELY or provide me proof of permissible purpose. Once again, let me be clear that I have already contacted every company listed and most do not even have a record of me at all. I'm being very cordial and requesting that you abide by the Fair Credit Reporting Act and perform a COMPLETE investigation in regards to the above listed inquiries.
Product: Debt collection

i had no knowledge of this debt until i saw it on my cerdit file. i paid it but i didnt ask or sign for any medical service.