23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, My complaint is an ease of access to my information on the NAVIENT website. I've been making regular payments on my student loans for several years. Throughout the years, if I have enough money to make an over-payment on a particular loan I would use their website to sort all my individual loans by various factors such as, loan total and interest percent. Within this view, I would click each loan and it would show details about that individual loan, such as, monthly payment amount for that particular loan. It would also tell me how many months at that particular payment was remaining within that loan. 
My complaint is how this information is accessed within the website. In its old state, I could click from one loan and see the details and then quickly click to another to play our scenarios within my mind as to which loan would be best to pay off first. The websites current sate now has users click within a different part of the website and submit a request and then I can view the same information within a PDF. Although the information is certainly provided to me the delivery is now harder to access. I have sent several queries to the help center within the website asking WHY the loan detail information is in this seemingly less convenient user flow. The responses I get are canned responses explaining how I can access the information. 
Here is a copy paste of their PDF response : XXXX Dear XXXX, Thank you for your inquiry. I am happy to help. 

The monthly payments are now under a different tab. If you login and click on Tools and Requests then Printable Account Information, you will find the remaining payment terms for each loan on the left as your scroll down the page. 

I hope this was helpful to you. 

Effective XX/XX/2019, the payment address for U.S. Department of Education ( ED ) loans we service will be : Department of Education, Student Loans, Navient XXXX. XXXX XXXX XXXX, OR XXXX If you use a bill pay service to send your ED payments to us, please update your service to ensure no delays in processing your payment. 

We're here to help If we may be of further assistance, visit us online or give us a call at XXXX, Monday through Thursday, XXXX XXXX. to XXXX XXXX., and Friday XXXX XXXX. to XXXX XXXX., ET. 

Sincerely, XXXX, your Navient Email Representative Navient - Department of Education Loan Servicing ================================= I want to emphasize that this complaint although sounds petty, it's incredibly frustrating at how it seems that NAVIENT is motivated by changing the design of their website to ensure that I spend as much time as possible accumulating interest on all my loans. I understand that this will probably not lead into any actionable complaint, however I have reasonable suspicion that NAVIENT is not interested in transparency of my repayment options but instead motivated to make my loan details harder to access. Admittedly, I am mostly motivated to finish repaying my loans so that I no longer have to deal with this company. One could call that a mutual compromise. 
Thanks to whomever is reading this. I appreciate all that you do!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 chase bank {$150.00} delinquency
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I settled my account with XXXX XXXX. My account status on Equifax is still showing Charged Off, rather than Paid As Agreed or Paid Charged Off. I contacted Equifax, and have not received any replies or seen any updates regarding the account.
Product: Payday loan, title loan, or personal loan

Financed new car with Hyundai Motor Finance in XX/XX/XXXX. Sent payoff to them in XX/XX/XXXX which was overpaid by {$510.00}. They sent a check in XX/XX/XXXX for the overpayment which had been voided when I received it. I have called multiple times to ask why check voided with no answer to date. Also have asked for reissue of check. As of today XX/XX/XXXX there has been no reissuance check for the overpayment. The company just says they will look into it. I would like my refund
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 Shellpoint Mortgage Services shows my prior mortgage account delinquent 30 and 60 days for XXXX and XXXX XXXX XXXX After review of the records with Shellpoint Agents, it has been determined that the payments were made from XX/XX/2021 through XX/XX/2021, the house being sold XX/XX/2021, but the system recognized them as prior payments from Covid forbearance period and did not count them appropriately to the month they were submitted. I was in contact with a representative from your company, XXXX XXXX with the loss mitigation department at the end of XX/XX/2021. I was doing the steps for loan modification. In the second week of XX/XX/2021, I received the documents and she gave me the number for the mobile notary contractor. When I called to get the notary scheduled they stated they did not have an order number. I called XXXX XXXX and informed her. She stated she would get the number processed within a day or two. At the end of the week I still had no number and could not schedule with your contractor. I attempted to contact XXXX XXXX again and the contact number was no longer active. By the time all of this had transpired the sale of my house had closed. I formally request the derogatory remarks be removed from my credit report as I made every attempt to complete the required steps upon exiting Covid forbearance. Your agent hindered the processing of the loan modification, yet I am being penalized for this.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXXXXXX XXXX ; but it is listed incorrectly on my credit report as XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, FL XXXX ; but my credit report shows an outdated address as XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Money transfer, virtual currency, or money service

I purchased tickets through an ad I found on XXXX. I asked the seller to use XXXX but he insisted on XXXX. Because XXXX is backed by Wells Fargo I assumed it was safe. Also it is not clear that they do not offer fraud protection. I paid the person {$250.00} and no tickets were ever given. I have contacted XXXX as the tickets he sent me photos of were from them and also contacted my bank Wells Fargo. WF told me they would not do anything until I filed a police report. The police would not file a report and told me to file with the fbi. I have since filed a report for fraud and scam with the fbi but Wells Fargo will still not help me or back the purchase.
Product: Money transfer, virtual currency, or money service

Google Irresponsible -- I Lost {>= $1,000,000} I downloaded from Google Pay Store a trading app known as XXXX which turned out to be a fraudulent scam trading platform website XXXX  where I transferred {>= $1,000,000} and although it looked like you made money trading, one did not make any money instead the money that was transferred to that website it was immediately thereafter transferred to other wallet addresses, I have the evidence, so I lost {>= $1,000,000}. 
In addition, despite the fact that I have flagged that app numerous times on a daily basis, Google Play Store still has not removed it. 
Further, in researching who the server was for that website I contacted them, XXXX who shut down that website. 
I lost {>= $1,000,000} because of Google 's lack of concern for the public and only cared about making money from developers. 
Again, Google should be made liable for all my losses or {>= $1,000,000} as they are grossly negligent and do not care about the public. I am XXXX XXXX XXXX and now I am completely broke and had to terminate my employees because I do not have any money to pay them because of Google. 
I have all the evidence for my losses.
Product: Mortgage

I was on a trial period for a loan modification through PNC Mortgage. I made the first trial payment, but unfortunately the XXXX payment was applied mistakenly to a different account through XXXX XXXX. The mortgage company is telling me that they want to sell my home in 40 days. Please help, we just got back from out of town.
Product: Student loan

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The creditor is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : NAVIENT XXXX
Product: Debt collection

Convergent Outsourcing make XXXX inquiries on my XXXX credit report. Unauthorized, without any notice of debt, or verification of debt. Convergent gave my information to other companies.
Product: Payday loan, title loan, or personal loan

Hello, My loan was refinanced and the title for the car has not been sent to us, which was suppose to happen months ago. I spoke with the branch Manager in the XXXX Mn location and still have not received the total for the XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with CB INDIGO, account number is XXXX, should have no 30 days late on the month of XXXX to XX/XX/2021 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. With that being said, sending written letters and a lot of attempts on reaching out to both Bureaus and Creditor were neglected. This should be corrected immediately.
Product: Mortgage

We negotiated and signed a contract for our home in XXXX, VA, on XX/XX/XXXX based in large part on the buyers ' Pre Qualification Notification letter from Sun Trust Mortgage dated XXXX XXXX. The agreed upon price and terms were well under the approved parameters in the letter which also stated " I have evaluated your credit, and reviewed the requirements of the loan program discussed. '' Then some 5 weeks into the transaction, Sun Trust told the buyers that the pre-approved loan program did not exist and issued a loan rejection letter on XXXX XXXX -- only 4 days prior to the scheduled closing on XXXX XXXX. I had the movers scheduled for that day and the buyers had terminated their lease in order to take occupancy at the end of the week. In the midst of this bank induced turmoil and trauma, the Sun Trust loan consultant and bank executives then became essentially non-communicative and non-responsive. My realtor essentially preserved the sale by negotiating a new agreement wherein she and the buyers ' broker and agent provided the bulk of their commissions to enable a transaction satisfactory to the bank. I have waited a couple months to calm down but it seems implausible to me that Sun Trust can issue a written approval intended in large part to convince sellers of the buyers ' qualification, at the last moment cancel the whole deal based on their error, and walk away scott free.
Product: Credit reporting or other personal consumer reports

I did not authorized these inquiries. I request to remove these from my credit report.
Product: Credit card or prepaid card

My credit limit was decreased and I was not notified by mail. The customer service rep when I called stated that they sent an email but I did not receive that either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). ST OF MD-XXXX, XXXX, and XXXX XXXX are accounts opened by someone who stole my identity.
Product: Debt collection

The collection debt was covered by XXXX, i reach out to the company yo have them to validate the debt and they told me they would not and that i owed it. I explained when i called them that I had medical coverage at the time and that i shouldnt have to pay that debt, they were rude and refused.
Product: Payday loan, title loan, personal loan, or advance loan

The loan was made at annual interest rates greater than what is permitted by state law and the lender did not have a license to lend when one is required, making the loan illegal, deceptive or unfair under various state and federal laws.My loan amount is {$800.00} the finance charge is {$1100.00} and the loan total is {$1900.00}, the XXXX is 421.58 %.
Product: Mortgage

They are Imposing on me a force-placed insurance on me when Ocwen knew or should have known that they already had adequate home-insurance coverage ... .I send them two faxes tell them this and no response back to me, I asked state farm my house insurance to fax over the declaration statement and other statements to them on the 2nd notice.they didnt respond to me either on that. and on the first notice i told them by fax that state farm had my insurance i will call them on monday for the 3rd time i dont know if this will be sucessfull or not. so i wish to submit my complaint in fear of possible foreclosure or extra fees that i dont have to pay. please email me at XXXXXXXXXXXX.
Product: Debt collection

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 that states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) ). It also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Checking or savings account

My decades-long bank, Suntrust, merged with Truist and did their migration over the XXXX weekend. During that weekend, my debit card stopped working. Later I tried accessing my account online and I could only see the credit card, not the Checking, Savings, and MoneyMarket accounts. 
I contacted them initially on XX/XX/22, and after waiting on the phone for several hours, was told to go into a branch because my account was titled in my trust, and needed to be verified ( it has been in a trust for decades ). I did that, and the branch rep told me that I have to open new accounts till they get the problem with trust accounts fixed. Seems they needed to title them in the name of the grantor instead of trustee ( not sure how they didnt figure out to do this in the months prior, since they began the process more than a year before. 
Somehow, after I opened the new account, the rep turned off my online access to the old account, which I use for bill paying and transfers to other accounts. 
I didnt realize this till I went back on the phone for an hour and a half, and was told to go in to a branch AGAIN because the first person didnt actually validate my trust account. So the second person submitted a form to do that, I believe XX/XX/22. Yet I still cant access my account.  I called again on XX/XX/22 and was told by ANOTHER person that it would be fixed within 24 hours. Still not fixed. 

This is a bloody mess. Please help me and all the others who are having this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my right under 15usc 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666B a creditor can not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the CDIA 's Metro 2 Compliance standards, then I contest the reportability of any such claim. The CDIA 's CRRG stipulates that " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' Therefore, you must accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Listed below are the Collections that are being challenged : XXXX XXXX XXXXXXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( XXXX  ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXXXXXX XXXX XXXX XXXXXXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( XXXX ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXX  XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( XXXX  ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX - XXXX Please verify if this belongs to me. - According to letter 15 USC 1692 ( XXXX ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXXXXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXXXXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report. 

XXXX XXXX - XXXX This inquiry was misrepresented and should be deleted from my report. - This item does not belong to me. I request that you remove this inaccuracy from my credit report.
Product: Credit reporting or other personal consumer reports

Experian, XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXXXXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} ; XXXX XXXX XXXXXXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$680.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX Balance : {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX