23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have repeatedly been charged less through autopay than Im told in my account that I should be paying and without my permission. The first time I noticed this was in XX/XX/XXXX, when I realized I was charged {$400.00} instead of closer to {$450.00} like I had thought I was paying. This made me take a closer look at my payment history, and these are the changes I noticed : XX/XX/XXXXXX/XX/XXXX : $ XXXX/monthXX/XX/XXXXXX/XX/XXXX : $ XXXX/monthXX/XX/XXXXXX/XX/XXXX : $ XXXXmonthXX/XX/XXXXXX/XX/XXXX : $ XXXX/month Prior to XX/XX/XXXX, the price per month was lower than {$440.00}, but after XX/XX/XXXX I started budgeting $ XXXX/month and assumed thats what I was paying until I finally caught on in XX/XX/XXXX. I called and talked to them then, in attempts to find out what was going on, and I was just told that autopay amounts vary and there was nothing I could do about it and that they didnt need to give me any notice or get my permission. I literally said I wanted to pay more per month and they told me that there were no plan options for me to be able to do that. 

In XX/XX/XXXX I added extra money per month to my autopay for my federal loan, because that one has a separate payment from the rest and is the only one that will allow me to autopay extra each month. This should mean my total monthly payment is now {$500.00}, which is what their website still says I pay per month as of today, XX/XX/XXXX. However, on XX/XX/XXXX, only {$370.00} was deducted from my account. What happened to the other {$120.00} even my autopay says I was supposed to be charged for the month? 

I realize it seems odd to be complaining about paying less, but this is going to lengthen the amount of time Im in debt to them, which is going to mean I pay them back even more than I agreed to in the first place. As it stands, those 15 months of lower payments means I paid {$210.00} less than I had thought. Combine that with the missing {$120.00} from this month and thats {$330.00}, which means thats an additional month of payments tacked on to my loan term, which means thats extra interest money Navient is discretely making off of me. 

Ive already been paying off my student loans for 18 years, and according to Navient I still have XXXX more to go. Its ridiculous and overwhelming enough without having to worry about companies pulling this kind of shady XXXX when all Im trying to do is pay the amount I agreed to.
Product: Credit reporting or other personal consumer reports

Transunion is intentionally keeping scores low I would suspect to keep interest rates high. 
On multiple occasions events should cause my score to go up but it goes down. For instance two account account balances decreased and score dropped XXXX points two account balances increased and score dropped XXXX points. Debt ratio is supposedly 35 % of score but I have no collections perfect payments for 3 years and my score continues to drop. My credit score was higher when there was only negative information than it is now with mostly positive all accounts current paid as agreed and my score is XXXX it was over 600 when I had collections and late payment and charge offs. Payment history is supposed to be 35 % also and mine is perfect. Debt ratio is obvious 100 % of score because mi e is at 100 % no late payments and my score continues to drop. I thought your score was to show whether you pay your bills? 
Apparently not because I make every payment on time for years and my score goes down. I would like Transunion to explain this to me. Like I said my score was higher when I never paid bills than it is now that I do. 
Also I would like transunion to be held accountable for intentionally holding scores down to keep interest rates high. I know several people who experience the same problem. I believe creditors and transunion work together to keep scores down. They shouldn't be biased and should base a score on payment history as advertised they are costing consumers billions
Product: Debt collection

Specifically : 1. **Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) ** : They have not provided the required validation information under 12 CFR 1006.34 ( b ) ( 5 ) to verify the debt. This lack of validation renders the collection entry on my consumer report inaccurate and unverifiable. 2. **Right to Dispute ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) ** : I have not been given a chance to dispute this account as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). As a consumer, I am entitled to dispute the validity of the debt before any collection activity is reported to consumer reporting agencies. 3. **False, Misleading, and Deceptive Practices** : These actions in placing this collection on my consumer report without proper validation and without providing me an opportunity to dispute the debt are in violation of my consumer rights. These actions are false, misleading, and deceptive, constituting a clear violation of the FDCPA. 4. **Unauthorized Furnishing of Information ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ) ** : They have no authority to furnish any account to consumer reporting agencies.
Product: Mortgage

In XX/XX/XXXX I paid my mortgage with XXXX XXXX XXXX XXXX before the due date because I was going to be out of town and I wanted to make sure my payment was made.

I paid the mortgage at the XXXX, Oh branch of US Bank. On the receipt I was given it clearly said mortgage payment. On XX/XX/XXXX I missed a call while at work I called the number back at lunch time and was XXXX XXXX XXXX XXXX. I explained to the representitve that I missed a call and was told their was a problem with my mortgage but without my account number they could not elaborate on this " problem ''. So I left work drove home and called back with my account number and was told that my XX/XX/XXXX payment was past due. I told them that they were incorrect and I had a receipt proving I paid on XX/XX/XXXX. After some discussion they were able to figure out that even though the receipt clearly stated mortgage payment they mistakenly filed it as a principal curtailment.I missed over 2 hour of work due to their incompetence.
Product: Mortgage

I have an issue with New Rez Mortgage. Their customer service number is XXXX. 

My mortgage loan is held by New Rez, and the number is XXXX. 

On XXXX I made a payment of {$1800.00} and XXXX I made payment of {$1400.00}. These payments were inteded for the XXXX mortgage payment of {$2800.00}. These I was unable ot make the payment all at once due to financial hardship. The sum of these monies was placed in " unapplied payments '' and ultimately ended up being placed as payments toward the principal agains my will. I have called the company eight times ( XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and twice today on XXXX in addition to having send several written requests ) times to have the issue resolved. Two tickets were requestesd, I've escalated to mamangment three times, and each time I have been told that my request is being handled. It has not been. I am afraid of losing my home due to the issue not being resolved. I am afraid of my credit and mortgage history being impacted negatively due to their inability to correct their mistakes. I have encurred over {$500.00} in late fees that New Rez said would all be refunded because of this. Today I was assured by manager XXXX XXXX that the issue would be resolved. I do not have any faith in this promise. I need help resolving this issue as it is a great cause of stress and worry as well as a financial stress that puts my family in a position of not eating and paying bills. 

Complete and full payments have been made every month, on time since that date. 

Thank you so much for any help you can provide! 
Warmly, XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

put a collection on my credit report.. I do not owe this debt. I live in XXXX Carolina and this is supposedly from California. I reported the identity theft to the credit agencies. these XXXX 's will not remove this from my credit.
Product: Credit reporting or other personal consumer reports

Dates : From XX/XX/XXXX to XX/XX/XXXX XXXX taken : A dispute letter was sent
Product: Credit reporting

I have requested that the XXXX account XXXX be removed from my credit file as it does n't belong to me you responded back saying that you had updated the information bite it looks like everything was fine with the account until XXXX where it was 30 days behind and now for the last 3 months they 're not even reporting it says XXXX the account does not belong to me the bank is not even reporting on it if you 're going to keep it on my account then I expect you to show me the steps you took to prove that the account belongs to me not just taking their word for it I clearly have a history here in the last year of fraud there were a lot of accounts removed I 'm not quite sure why this XXXX is still on here but I would like it removed permanently as soon as possible thank you
Product: Checking or savings account

i had alot of problems With my account being used without my knowledge. money disappearing. money i didn't not use. i closed that account right away. and changed banks..did not like wells Fargo at all !!
Product: Payday loan, title loan, or personal loan

On XX/XX/2022, I reached out to CFPB to resolve an issue I was having with One Main Financial. The complaint ID is XXXX. Due to the nature of the loan or the loan originating out of fraud, One Main Financial agreed to waive all interest and late fees from the account. Per my credit report, they have been reporting the late fees and interest fees after the agreement had been reached. I harassed on a daily about late payments or resuming the payment of the fraudulent loan. When I tried to pay on the balance I was told the account was sent to collections. If the loan was originated fraudulently and One Main Financial is fully aware that this was done on their behalf due to an employee they hired, why are they able to make these reports on my credit profile. I am seeking immediate assistance. I do not think that is ethical they have employees stealing from their customers and then they are able to make reports on your credit profile because they messed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) '' through the physical verification of the original signed consumer contract '', to provide me lawful proof of verification. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to verify in order to protect my rights as a consumer. Since it has been well passed the 30 days allotted them as of XX/XX/2018 I am demanding once again that TransUnion as well as the other bureaus who also are unable to lawfully verify these accounts listed below be deleted immediately. 

On XX/XX/18 I mailed the attached notice of dispute requesting physical verification per FCRA section 609 ( a ) ( 1 ) ( A ). Delivery of certified mail was confirmed on XX/XX/18 On XX/XX/18 TransUnion sent 2 correspondence to my address completely changing my name. Listing me as XXXX XXXX XXXX XXXX. The first letter stated I needed to verify myself. The second one stated that these accounts " AREN'T '' listed on my report. I responded and sent a copy of my bank statement on XX/XX/18 to confirm my identity. On XX/XX/18 I received more correspondence from TransUnion. This time it was a full report. The report included the accounts that I stated but still did not state that they were initiating an investigation from notice of dispute. So it is without a doubt that my identity was confirmed if TransUnion mailed a credit file to my address. XX/XX/18 was 30 days from confirmed certified mail delivery date. A week later XX/XX/18 I reported TransUnion to CFPB for not following the reporting regulations of responding to my dispute within 30 days. 8 days later on XX/XX/18 TransUnion only responded with this statement. " After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. '' The original notice of dispute was mailed to their appropriate address which handles consumer relations and " confirmed delivered '' XX/XX/18. So there wasn't any need to state what they obviously already knew. This was just a way to buy themselves more time which isn't justifiable with the proof of I've provided via the attachments.
Product: Student loan

On XX/XX/2022 I contacted XXXX @ MOHELA separately to request payments to be returned to me that I made during the XXXX XXXXXXXX pandemic pause. I have been calling every month to request updated on when the money will be sent to me but I keep getting told they are working on it. its currently been over XXXX  days and I have not gotten a response or been sent my money. I am not sure what to do but I know its been long enough for them to send me my payments back.
Product: Debt collection

I keep getting calls from an XXXX XXXX at my place of employment. I have had no previous business with this person and have instructed them not to call me at work multiple times, but they do not stop.
Product: Mortgage

In XXXX 2015, my wife and I closed on a house financed by Wells Fargo. Up to that time, our credit was over XXXX and qualified for a low PMI payment and interest rate. At the time of closing, we were informed that our credit had gone down, and that we would be required to pay higher interest and private mortgage insurance. I checked our credit score and it had n't dropped. I also asked Wells Fargo to look into why they arbitrarily lowered my score with their proprietary credit reporting software, just low enough ( XXXX ) to make us pay extra money for PMI and interest. They could n't explain it and had no answer but at the time we were locked into the loan so we had no choices or options. I believe this part of the overall activity that has been occurring at wells and wonder if your office can do anything or make suggestions on what we can do address this issue.
Product: Credit card

I reviewed my statement and acknowledge that I was being charged a cash advance interest from some money I never had a cash advance. I called and told them that I wanted a credit for all the charges for the last 3 years and they say that they can not review it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i noticed on my credit report XXXX XXXX  account number XXXX having incomplete and inaccuracies. i have tried to dispute this item and it still remains. now i have proof the no real fair and thorough investigation took place. i never received proof of this investigation they claim its been verified but have yet to send my any documentation on how and why it remains. first off XXXX doesn't even have an account number listed on this account and the open date is incomplete its XX/XX/2016 not XX/XX/2016. the same company reports to all three bureaus so they should all reflect the same information. if not how would anyone know that the account is accurate? it is also missing payment history and payment history is not the same across all three bureaus. incomplete and inaccurate accounts must be deleted per the FCRA and FDPCA. it shows on original amount of XXXX and a current balance of XXXX but no payment history ever. how can that be if there was no payment? and if there was a payment then it is not listed which is incomplete. either way incomplete or inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to BOA for a credit card in XXXX, 2016, around XX/XX/XXXX. I asked them, before you run a credit check, please confirm that you can respond with approval/denial. They responded in the affirmative. After applying, they informed me that they had to send the request to their office for further review, which would have involved an additional credit inquiry. Since they already put a hard hit on my credit report, without a response, I asked to speak to a manager. When a manager finally called back 4 days later, she refused to remove the credit inquiry hit. The manager was condescending, arrogant, and completely unhelpful. If you want to deal with these people, know what you are in for. Dishonest, deceitful, arrogant, condescending. Not what I call good customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some fraudulent items on my credit report, I submitted this information in a letter to the credit agencies. It has been over 50 days, and I have not heard back from these agencies. Here are the tracking numbers that show they received my mail, but ignored my requests. XXXX XXXX, Transunion XXXX, and XXXX XXXX. These agencies ' neglecting my account has caused me a great deal of distress and to lose various opportunities.
Product: Credit card

I placed an order on XXXX for {$200.00} for birthday party decor for my son XXXX  birthday. On XX/XX/year>24 the tracking number stated that my package had been picked up. I contacted usps and they could not confirm a signature of the person who picked up my package and all the information that they could Provide was that their system indicated the package had been picked up. I contacted XXXX and they were unwilling to reship or refund me. I then opened a dispute with the credit card company that I used to make this purchase, thinking that I would be covered under Federal Trade Commission since I DID NOT RECEIVE products that I purchased. Citibank investigated and based off of what the merchant ( XXXX ) provided them, they ruled that I am still responsible. I am not sure what else to do, Im extremely frustrated that i am out this money and nobody will help. I also dont know what more I can do to prove that I did not receive my package. HORRIBLE customer service from Citi bank as well as XXXX. The tracking number states delivered, but if it was truly delivered to the correct person like the tracking number shows I wouldnt be disputing any charges!!!!! So much for protection!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I conducted a credit check on myself and was made aware that I had a XXXX  XXXX card account in my name so I had no idea about it was active since XX/XX/XXXX I immediately filed an identity theft report with the FTC and sent this report to all corresponding agencies who report credit it was not removed from my XXXX or Trans Union reports my XXXX report removed it right away. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER58 RIGHT TO PRIVACY PURSUANT TO USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 .
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to COVID-19 I obtained copies of my credit report and noticed several inaccuracies on it.
Product: Credit reporting or other personal consumer reports

In Accordance with the Federal Credit Reporting act XXXX XXXXccount # XXXX has violated my rights XXXX5 U.S.C s1681 section 602 A.States I have the rights to privacy 15 U.S.C s1681 section 604 A Section 2 .It Also States a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

In   XXXX   I turned my car over for voluntary repossession  ro Michael Wayne Investments. Since then I had not heard anything from the company. I do n't know if the car was   auctioned and if the so what the balance was remaining if any. In,  XXXX  of   XXXX   the civil suit for the amount of  XXXX  in which at the times I disputed to the company in writing but the letter was unanswered. Now, they are garnishing my paycheck for over  XXXX  but I did n't receive anything in the mail about the garnishment only when my job informed that the money was going to be taken out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX is falsley pretending to be a student loan place and has illigslly accessed my credit and used old address.and the XXXX ca. P.o.box is being fraudulent due to my dad 's widow and her people XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX she and him are ceriel widowers and fraudulent individuals as well as her sister XXXX and brother XXXX XXXX who is a fraudulent child group home worker in banning XXXX the IRS and check the books on all adults ssi paperwork and income and you'll see.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit has illegally, unlawfully reported information on my credit files, without adequate authorization. The information is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. There is no legally admissible evidence to verify the accuracy of what Navy Federal Credit is reporting Account # XXXX Balance : {$2000.00} on my credit files, and this agency have not validated pursuant to the requirements of the FCRA XXXX I have never signed a wet signature of an application with Navy Federal Credit, nor have I provided any valid identification that would allow them to legally report.

Navy Federal Credit has failed to provide a copy of any wet-signed application, valid ID, or proof of authorization to support the legitimacy of their actions. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. This failure to provide adequate proof of the alleged debt is a violation of my rights under federal law. I requested for Navy Federal Credit to provide verifiable proof of this debt and a clear clarification of how this debt was verified. I have not received anything. This raise concerns about their compliance with legal requirements. In accordance with the Fair Credit Reporting Act ( FCRA ), I have not given them the authority to access or report any information related to me. Their actions are in violation of the FCRAs requirement for a permissible purpose in reporting credit information. This unauthorized reporting has negatively impacted my credit standing. I request that FDIC investigate this matter and take appropriate action to ensure that the erroneous and derogatory information is removed from my credit report. I am also pursuing complaints at federal levels to address these violations. I have given Navy Federal Credit a fair opportunity to clear this matter up and I am still being harassed.