23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient has repeatedly misallocated payments, lied about refinancing options and at the start of my repayment with them attempted to get me to go into forbearance excessively. 

I recently was approved by XXXX to pay off my loans with Navient and they sent in a payment for the entire loan amount. Navient placed a majority of that loan into one account leaving it with a negative balance and me with a remaining balance. They have done this in the past with my government student loan checks. This is also the top reason they were sued. I discussed it with Navient and they stated they would look into it and make the change, but this wont happen until the XXXX of XXXX and I will owe interest to them at that point on the loans not paid. 

Before I went to XXXX, Navient stated on several occasions that I was not eligible for consolidation of my loans, a flat out lie. I was offered income based payments only. I asked them repeatedly about other loans options and was told there were none. When I contacted XXXX, I found out about private loans and received a much lower interest rate. 

Navient is a scam on student loan borrowers.
Product: Debt collection

I have been receiving 2 calls a day frequently from numbers associated with Midland Credit Management. I went to their website and tried to look up an account with the information the website asked for ( last name, birthday, and last 4 of my social ) but nothing came up. I called today ( XX/XX/XXXX ) to find out what I had in collections with them, but the woman that I spoke to ( didnt get any names of any employees ) wasnt able to find an account in my name either. She gave me the number XXXX to call and check with them, too. I called the number and the man who answered asked for my social, so I gave him the last 4 just like I did when speaking to the woman from before. He said No, I need your full social security number. I responded is there another way you can look it up, cause I dont feel comfortable giving you my full social and he seemed to get an attitude after that, but verified that I didnt have an account with them. I then called their complaint line and explained to the man who answered that I wanted to file a complaint because I had been getting calls about an account that they didnt even have with me, so the man tried to look up my account and told me I didnt have one so there was no reason to file a complaint. I responded that regardless, I wanted to speak to a manager or supervisor because they have been harassing me over debts that I dont have. He said he would transfer me to a manager but I was just left on hold until I hung up 10 minutes later.
Product: Checking or savings account

Over the past two months Wells Fargo has begun placing holds on checks I've been depositing despite the fact it has been many years, if ever, since I had a deposited item returned. I believe this practice is intended to generate overdraft fee income for Wells Fargo and not for any valid business reason. I have had this account with Wells Fargo for at least 32 years and believe this to be both a violation of Regulation CC and the reality of the speed with which checks clear since the implementation of Check XXXX. Having spent 27 years in the XXXX XXXX industry and as a XXXX XXXX who primarily sues financial institutions I can unequivocally state there is no business reason for suddenly beginning this practice. I am asking that the CFPB both investigate this matter and assess penalties against Wells Fargo for engaging in a practice that can have no benefit to anyone except Wells Fargo and then only to artificially generate fee income, something Wells Fargo has been doing ever since it's acquisition by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student loan accounts were under Teacher Forgiveness. They were forgiven after completing long process with this agency. Everything was squared away. First this agency was servicing the account when it was forgiven. 
US DEPT OF ED/XXXX  XXXX Installment Closed XX/XX/XXXX US DEPT OF EDXXXX XXXX Installment Closed XX/XX/XXXX Then, after two years, this agency started servicing THE CLOSED FORGIVEN ACCOUNT [ XXXX XXXX XXXX ] and below is what they did to my previous TEACHER FORGIVENESS ACCOUNTS WITH US DEPT OF ED/XXXX Then, I have contacted XXXX XXXX XXXX  and tried to resubmit the same information that I submitted to US DEPT of ED/XXXX ; however, rude customer service representative, no answer in regards of my student loan forgiveness that I was already granted by the previous servicing agency and also accounts blow-up my credit report with seperate accounts in total of 15, while in the first agency it was a simple one account. 
I have did my time teaching and I am still in the education field in administration and I am trying to purchase a home, but these accounts that came up last year need to be removed from my credit report as they were in the first place forgiven. XXXX  XXXX XXXX does not care about the consumers and is not aware of the accounts they are actually servicing. My accounts were closed and forgiven through my employment at XXXX County Public Schools from XX/XX/XXXX-XX/XX/XXXX. 
Please review my case, I have been trying to contact this agency via mail and phone, but no response at all. 


XX/XX/XXXXXXXX XXXX XXXX {$2000.00} Installment Current XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX {$1500.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$13000.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$26000.00} Installment Current XX/XX/XXXX XXXX  LXXXX XXXX XXXX {$2900.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$5700.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$5600.00} Installment Current XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$4600.00} Installment Current XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$3100.00} Installment Current XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNT DO NOT BELONG TO ME 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: Debt collection

They called my cell phone at least 15 times over a few days before I finally answered to see who they were and what they wanted. It was Midland credit management after some arguing back and forth they asked if I would verify with them, the last 4 digits they had for the debtor .... after verifying that the last 4 numbers of the social they gave to me I told them it does not match mine and they seemed satisfied. I did not think I would hear from them again. Now my wife is receiving phone calls from many different numbers of theirs ( she XXXX  the numbers ) now they have sent mail stating we owe XXXX  XXXX XXXX  to our newly built home, not sure how they got our address when they never bothered us at our prior home. 

We have a few XXXX XXXX accounts and have spoken to customer service who has said that there is nothing wrong with our accounts. Our credit files are spotless. There is no need for this harassment. 


Harassment is coming from Midland Credit Management XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX
Product: Checking or savings account

I deposited a check into my checking account and for some reason the check was being Questioned I had someone from the company I work for in the payroll department call the bank to verify the check. 

the information was verified but someone from the security team at the bank did not lift the freeze off my account I've been really having a hard time with the associates that works for the bank and they are very rude constantly keep asking me the same series of Questions just making my banking experience very horrible.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts on my credit report due to identity theft. My personal information was compromised in a data breach, which has resulted in numerous fraudulent accounts and unauthorized inquiries. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, I request the immediate blocking and removal of the following fraudulent accounts from my credit file. 

Fraudulent Accounts to Be Blocked : XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX Fraudulent Balance : {$650.00} Date Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX Fraudulent Balance : {$3900.00} Date Discovered : XX/XX/XXXX XXXX. XXXX. XXXX, XXXX. 
Account XXXX : XXXX Fraudulent Balance : {$350.00} Date Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX. 
Account XXXX : XXXX Fraudulent Balance : {$490.00} Date Discovered : XX/XX/XXXX XXXX. XXXX XXXX XXXX Fraudulent Balance : {$280.00} Date Discovered : XX/XX/XXXX I am enclosing my FTC Identity Theft Report ( Report No. XXXX ) as proof of this crime. Under 15 U.S.C. 1681c-2, Equifax is required to block this fraudulent information from my credit report within four business days of receiving this request. Additionally, I request a written confirmation that these accounts have been removed and that no further collection or reporting will take place. 

Please send a response confirming the removal of these fraudulent accounts as soon as possible. If additional documentation is needed, I can be reached via the contact information provided above. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The federal Education Department changed my loan servicer from XXXX to XXXX XXXX XXXX XXXX because I was placed on the Public Service Loan Forgiveness program. When the COVID forbearance ended in the XXXX XXXX began reporting my loan information to the credit bureaus but then XXXX did too. For both companies it was exactly the same amount so it looked liked my student loans were double what they were at over {$500000.00}. As a result, my debt to income ratio was too high for a home equity loan I applied for in XXXX. At that point I was able to still access my XXXX account online and it showed that my balance was XXXX and the account was closed. After I was rejected for the home equity loan, I tried to long back into my account at XXXX to dispute it with them but they now said my account did not exist even though I was logging in with my Social Security number and my birthday. I tried to call them but the automated phone system said the same thing and would not reroute me to a live person because it could not find my account. Finally I found a general line for XXXX custome support, but the wait time was 411 minutes long. I opted for a call back and the system said it could be after XXXX before someone called me. They never called. I filed a complaint with XXXX on an email address I found on the XXXX XXXXXXXX page but the response said they were reporting a deliqincy on my account and referred me back to the credit bureaus for that information. The delinquency does not show up on the credit beaureus ' information for my XXXX account. I was also on income based and hardship deferrals throughout my time with them because my payments were impossible to pay while supporting my family of XXXX. All the credit bureaus and the XXXX XXXX people say I have to talk to XXXX to resolve the issue but I can't log into their online system or phone system because it says I do not exist in their system. The help they have given via email does not address the issue. I am at my wits end. XXXX owns my loans now and is my student loan servicer. 
I am paying my monthly bill with them and very close to forgiveness now. XXXX should not be reporting an open account for me or a balance.
Product: Mortgage

Hello in XX/XX/2019 I took out an FHA loan and I had to pay Upfront Mortgage Insurance. This month I refinanced into conventional and trying to figure out how to get a portion of funds back from XXXX XXXX  XXXX because I was told that under 1 year refi you can get a prorated portion of your funds back. I am given run around.
Product: Credit card

On XXXX thet told you they closed the account and resolved dispute. 
They did not do this. Please see attached.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Experian will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 15 USC 1681 ( a ) ( 1 ), 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 public confidence which is essential to the continued functioning of the banking system. Over the last 4 months, I have sent Experian countless letters requesting that Experian delete the accounts, XXXX XXXX and XXXX XXXX  XXXX investigated both accounts and removed them on XX/XX/2022. Experian is required to follow reasonable procedures to assure maximum possible accuracy which Experian has failed to do. I have provided Experian with an abundance of evidence of the inaccuracies furnished on my consumer report which Experian has failed to correct. Experian has failed to exercise their grave responsibilities with fairness, impartiality, and respect for my consumer 's right to privacy in accordance with 15 USC 1681 ( a ) ( 4 ). Im demanding Experian delete accounts XXXX XXXX and XXXX XXXX from my consumer report. I have attached the document from the CFPB of the deletions of these accounts from XXXX. This IS NOT an investigation request. I am Demanding these accounts be deleted. SEE ATTACHED DOCUMENT.
Product: Mortgage

My mortgage company provided my 'final closing disclosure ' around 24-hours before closing on my purchase. Even still, I walked into closing only to discover that the 'final closing disclosure ' was wrong by nearly {$1000.00}. The closing attorney and realtor asked how I wanted to proceed. Since we flew down primarily to close, and get the new place set up, I really didn't have a choice -- and proceeded with closing. 

I thought I understood the Tila-Respa guidelines to require the lender give me a good representation of 'final fees ' at least 3 business days prior to settlement. If that's true, how can the above be acceptable? 

I've left two voicemail messages, and sent an email, to my loan officer. No reply, nearly a week later. HELP! What are my options?
Product: Credit card or prepaid card

Beginning in XXXX of XXXX, I separated from my spouse and began the divorce process by moving my residence twice. On numerous occasions, I contacted Chase regarding both of these changes. Despite my efforts to have the bill sent to my new residences and / or e-mailed to me, Chase failed to follow through with this. I spent a great deal of time on the phone with Chase and many of our conversations became hostile. Because of this hostility, I firmly believe that I was intentionally targeted and one of my payments over the phone was not processed in retaliation. One month after my divorce was finalized, Chase reported a 30 day late on my account in XXXX XXXX. This was a complete slap in the face, especially because of the repetitive due diligence on my end to change two of my home addresses during the divorce process. I NEVER RECEIVED US MAIL CORRESPONDENCE BILLS AS REQUESTED DURING THIS TIME.
Product: Payday loan, title loan, or personal loan

Dollar loan center keeps harassing me at work, every day for last month. Telling my employer their name and how I owe money to them. Called my personal phone every day. I talked to them and told them I have health issues and waiting for 2 surgeries, cant make payments right now. Still calling every day. Called me yesterday on XX/XX/XXXX when I was off and told my coworker to tell me Dollar loan called and I need to pay my loan. 
Thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

Avoiding me to link account with XXXX app and trasnfer money
Product: Credit reporting or other personal consumer reports

Called world finance to get a 1099c form since my debt was charged off. They told me they never sent one to the irs or even sent me a form so I could claim it on my taxes. Told me they couldnt send me one since my debt was charged off. I asked multiple times. Told them if my debt was charged off I should have been sent a 1099c form. Spoke with a manager who told me they wouldnt send me one. They told me unless I pay the balance they wouldnt send me a 1099c form. I told them if you have charged it off as bad debt, your supposed to send me 1099c form and send it witch they didnt do either one.
Product: Credit reporting or other personal consumer reports

My Credit Report Shows {$110.00} On A Mortgage, I've Never Had A Mortgage, Or Owned A Home.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted disputes to Experian in regards to 40 accounts that were reporting improperly on my credit report. Me and my Husband had a BK onXX/XX/XXXX ( discharge date ) that which these items were included. On XX/XX/XXXX Experian claimed these were " investigated '' ( in less than 24 hours? ) and remained the same. I then again, disputed these items with the legal documents ( attached ) on XX/XX/XXXX ( I do not have the ability to upload the complete BK file, it is too large ) and again on XX/XX/XXXX Experian refused to properly update my report. Isn't this against the BK law? What can I do? Do I need to take Experian to court? I would greatly appreciate your help.
Product: Credit reporting or other personal consumer reports

I received a notice from you saying the disputed accounts listed below were verified and since all THREE ( 3 ) credit reporting agencies are reporting different information regarding these accounts, I would like to know what you verified, what you modified. PLEASE SEND ME A DESCRIPTION OF WHAT YOU VERIFIED AND MODIFIED? And the procedure of the investigation. This will be EXHIBIT 3A ( 3 in 1 report will be Exhibit 3 ) If you are unable to provide this information, please delete/remove and block disputed items from my file immediately. I intend to file an FCRA claim in federal court and with the CFPB pending you response to my request. 

XXXX. XXXX XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXXXXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXXXXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXX XXXX # XXXX inaccurate please delete XXXX. XXXX XXXXk # XXXX inaccurate please delete XXXX. XXXX XXXX XXXXXXXX inaccurate please delete XXXX XXXX XXXX XXXX inaccurate please delete XXXX. XXXX XXXXXXXX XXXX XXXXXXXX SAME ACCOUNT please delete XXXX. XXXX XXXX SAME ACCOUNT please delete XXXX. XXXX XXXX XXXXXXXX SAME ACCOUNT please delete 11. XXXX XXXX XXXX Same Account please delete
Product: Checking or savings account

I have had multiple problems with money being siphoned out of my account on multiple occasions. I have filed disputes which were denied in 24 hours or less with no investigation into the matter. The bank said they would send me a decision letter within 10 business days which i never received and continuously requested for weeks. From my knowledge they do not adhere to Regulation E under any circumstance. My most concerning dispute was filed on XX/XX/2022 for {$1100.00} to claim id # XXXX. I sent an overwhelming amount of emails and made the same in Phone calls to support but was continuously told that there is no way to speak with the actually dispute department because they had no phone only email. I have been trying to figure out ways to get this matter resolved. In my search i found there have been a numerous amount of people with the same issue and was told this is the best way to get attention to the matter other than contacting news outlets.
Product: Money transfer, virtual currency, or money service

On multiple occasions, id request to speak with a live agent & my request was never handled. There was also a time i disputed a transaction, regarding a rental i did not partake in and the funds were delivered back to my account ; only to leave me negative the following day.
Product: Mortgage

This is not a new complaint. See " attached '' documents of Midland Morgage unfair morgage practices ...
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States XXXX Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Months and Years of Late Payments : As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, BXXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist.
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.