23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have XXXX private loans, initially thru XXXX XXXX, and now those loans are serviced by Navient.Since the loans became due ( XX/XX/XXXX ) monthly payments have been made.When the loans were serviced thru XXXX XXXX a lower interest rate was negotiated which helped lower the monthly payments for 1 year. Since Navient took over they will not work with me to lower the interest rates ( 6 % & 8.125 % ). Since XX/XX/XXXX, Navient has also allied the total monthly payment to interest on the loan with 8.125 % rate. When I contacted Navient I was told the payment were applied to capitalized interest. When I go back thru the history of the loan, 'capitalized interest ' has alway sheen a line item in the detail, but there is no line item in the history which states capitalized interest for {$3800.00}. To date, they have applied {$3500.00} to interest and {$0.00} to principal. The payment for the 6 % loan has always been applied to both principal & interest. I filed an initial complaint thru CFPB back in XX/XX/XXXX, and received a call from XXXX XXXX of Navient, returned his call 5 times but always got voicemail. On XX/XX/XXXX I spoke with XXXX at Navient Customer Service, and she said Navient would investigate and send a letter out with resolution. To date, no letter has been received. I also contacted the Maryland States Attorney General 's Office but they could not help and referred my correspondence to CFPB, which I have had no reply. With my {$280.00} Navient payment of XX/XX/XXXX, {$61.00} has been applied to principal and {$220.00} to interest. But there has been no correction or resolution to the {$3800.00} total payments applied only to interest. I am repaying these loans in good faith, and I want the appropriate portion applied to principal.
Product: Credit card

I purchased a ticket from XXXX XXXX XXXX with a Citibank credit card. The day after the purchase, XXXX suspended the ticket and demanded documents for ID verification, to be sent by email. For security reasons, I refused to submit the documents and demanded a refund. XXXX agreed to the refund but never provided it. I disputed the charge with Citibank, but Citibank ruled in XXXX 's favor, saying that XXXX had already provided the credit, which XXXX had not, and later closing the dispute process, saying I had not submitted a valid copy of the charge receipt, which I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code 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 ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that I didn't 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.

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

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, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Debt collection

Second complaint against the company. Garnishment for around XXXX on a bogus debt, agreed to stop the garnishment a month ago and I am still being garnished. Representative from Blitt and Gaines claims they have two other accounts of mine assigned to them and that they are using the one garnishment to pay all 3. I do not know what possible other accounts they have of mine but there is no garnishment orders for the other two and they have not validated these also. They completely lied to you in response to the first complaint. AS you see the attached shows the amount that has been garnished to this point is almost XXXX dollars more than the court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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 XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, XXXX, and Trans Union violated my rights to privacy. 

XX/XX/2022 and XX/XX/2022 XXXX XXXX reported 30 day lates on my report which was inaccurate. Ive tried reaching out to then on several occasions via mail and phone, yet they failed to provide me with verifying proof that my payments were late. I have called with my bank on the phone proving my payments were actually paid on time. 

15 USC 1681 section 604A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666b : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

This violation has caused me great grief as to my credit score.
Product: Checking or savings account

On XX/XX/2023 I received an offer from Marcus Bank ( goldman sachs ) for a {$100.00} bonus if I activated the offer on my existing account and deposited at least {$10000.00}. I completed these activities. Today, XX/XX/XXXX, Marcus emailed me " your account is no longer eligible '' for the bonus without any reason. I met their requirements and they can not just revoke the offer once it has been accepted without due cause.
Product: Credit reporting or other personal consumer reports

XXXX : Violation of Fair Credit Reporting Act ( FCRA ) Failure to Provide Debt Validation** Dear CFPB, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX regarding an entry on my credit report and their non-compliance with the Fair Credit Reporting Act ( FCRA ). 

**Details of the Complaint : ** XXXX. XXXX XXXX : ** - **Name : ** XXXX XXXX XXXX - XXXX XXXX : ** XXXX XXXX. **Nature of the Complaint : ** - **Date of Dispute Request : ** XX/XX/scrub> 2024 - **Issue : ** I do not have any recollection of doing business with Sunrise Credit Service XXXX Despite my request for debt validation, which I submitted on XX/XX/scrub>, 2024, they have failed to provide a proper debt validation or purchase order.

XXXX. **Violation of FCRA : ** - XXXX XXXX XXXX has failed to comply with the FCRA requirements by not providing a valid debt validation in response to my request. As required under 15 U.S.C. 1692g of the FCRA, they are obligated to provide verification of the debt upon request. Their failure to do so constitutes a violation of my rights under the FCRA. 

XXXX. **Requested Action : ** - I am requesting the immediate removal of this entry from my credit report. This collection account is inaccurate and unverifiable, and its continued presence on my credit report is adversely affecting my creditworthiness. 

Please investigate this matter and take appropriate action to ensure XXXX XXXX XXXX complies with the FCRA. I would appreciate a prompt resolution to this issue and confirmation of the removal of this incorrect entry from my credit report. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

On or around XX/XX/2020 I applied for a car loan refinance with PenFed Credit Union online. The application was under review and when the term and rate was given to me I declined the loan as they were not better that what I currently have. Additionally I called back to their customer service department and requested that the application would be cancelled. To my surprise the representative said that it was approved and that paper work was sent to my address for signature to which I reply that I didn't accepted the terms and conditions of the loan. The rep told me not to worry that she would cancel the application and that if I don't use the check nothing would happened ( which I haven't used the check ). On XX/XX/2020 I received an email notification that a payment to a car loan was due on XX/XX/XXXX, this came to a surprise to me and called back. The new rep said that I accepted the loan ( which I haven't since the beginning ). I told to cancel the loan and make the corrections on reporting to the credit agencies and to send me notification of cancellation of loan.
Product: Student loan

My loan originated in XXXX as means to pay for my daughter 's college education. I've struggled for the last 15 years in making any kind of repayment, but have tried to work with Nelnet with deferred payments and forebearances. Several times over the last few years I was instructed by Nelnet over the phone ( never in writing ) to use the FSA portal to apply for Income Based Repayment Plans. Each time, I get a " verbal '' denial, but NOTHING appears in the official Nelnet.com website. My last attempt was due to the pandemic, I was forced out of work since XX/XX/XXXX and was instructed to use the FSA portal again, completed all the paperwork, then called Nelnet to check on the status. Even though NELNET reps instructed me to use this process, I was verbally told that my loans didn't qualify for income driven repayment. YET, there is literally NO PAPER TRAIL from Nelnet acknowledging that they ever considered any of my applications, no formal denial, NOTHING for me to understand how on one hand Nelnet is a listed provider that should consider the repayment plans sent to them, but on the other hand - Nelnet representatives verbally state I do not qualify? Additionally, if they aren't subject to the federal rules, then the NELNET loans should have been terminated with my XXXX bankruptcy. I am frustrated and feel they are using tricky methods to try and force a restart of the loan obligation with a " consolidation '', which I have no interest in doing. Either they are or they are not part of the federal regulations for student loans and either way, NELNET is not presenting valid repayment options in full disclosures for borrowers. A perusal of my account there also shows how they have added over {$20000.00} to the " principal '' that started at about $ XXXX, to demand an over {$35000.00} balance with a projected repayment of over {$75000.00}!? The accounting and accountability are in question here.
Product: Credit reporting or other personal consumer reports

When this loan was given to Nelnet to service I disputed this loan. I am to pay for XXXX  years then the loan is to be cancelled. I have credit for paying for XXXX  years. So I have met the stipulations of the loan according to the department of education rules. I have asked that is the loan is still valid how many months are left to pay. NO answer. They claim that a promissory note exists. YES it does. It states I will pay as per their programs. And when the obligation has been met according to their programs the loan will then be cancelled. I have been on income driven repayment since XXXX. I am now XXXX and live on Social Security. Their determination is that I am required to pay XXXX dollars per month for up to XXXX  years including every month i have credit for making payments since the inception of this loan in XXXX. This is for XXXX loan. And XXXX was in first year of college. Since I now have credit for payments over XXXX  years I have met the loan obligation. This loan should not be reported to the credit bureaus as the obligation has been met. Under their claims, I can never meet the obligation. So am I on the hook forever? When does it end? They Nelnet has refused to disclose this information. I have tried to discuss this with the department of education but since Nelnet is the assigned servicer they keep referring me to Nelnet. Nelnet was assigned this loan to service in XXXX of XXXX. I have disputed the loan with Nelnet since XXXX. XXXX. As they claim, I supposedly still owe {$7200.00}. My question is how many months am I required to make a XXXX dollar payment in order to satisfy the loan? At my age I will never earn more than I am now. Oh and I was listed in XXXX as delinquent becaue I missed paying XXXX dollars a month. how can that be? Somewhere their rules are only for them and not for me. Their program I pay for XXXX  years and it is cancelled. So when have I met the 20 years? I get XXXX answer.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

The last time XXXX XXXX reported account to Credit Bureaus was back on XX/XX/XXXX and havent reported any account activity since. Its currently reporting a balance of XXXX to all credit bureaus when thats not accurate. I only owe XXXX on account XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

hard inquiries are fraudulent and and doesnt belong to me and need to be removed also the XXXX  as well thanks XXXX XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to REMOVE these fraudulent inquiries AND information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are REQUIRED to REMOVE any items listed on an id theft report not later than XXXX business days. Ive already included this reported issues in my previous letters & I am including it again along with the ID THEFT REPORT # XXXX. Also, the details provided BY THE Credit Bureaus regarding these items are UNKNOWN to me and I have doubts about the accuracy. Please see the listed items below for REMOVAL : EXPERIAN : XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

Specifically Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. 
Those actions have caused significant inconveniences. And I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I received notification back from the bankruptcy court that states they do not provide information to third parties and under the Privacy Act Law 1974 and Opt Out Law that any authorization that XXXX, XXXX, Transunion believe you have you no longer and it needs to be removed in 4 days.
Product: Checking or savings account

Starting XX/XX/year> I had a text message that was posing as medi-cal and I ended up giving them my information as I had been fooled but I told them that I usually always got my plan free without payment so why would they need my card. The fraud ended up charging my card for a fake medical plan that I did not know of and did not authorize. While I initially accepted the payment on my app as I did not understand that it was not a alert of putting my card on a plan but a whole fake payment as I was deceived by the fraud that used my information to sign up for some random fake plan under my name without me knowing. I ended up calling bank of america right after to cancel my card as I feared the fraud would use my information and they told me I would be able to get my money once the amount was posted and I should call in a couple days. After a couple days the transaction disappeared from my statements but I called again just to make sure and ask if they could block out this company as they were using my information without my permission and all I was told was that the issue was gone and my money was in my bank. Now on XX/XX/year> I check my bank app only to find out the money has been charged to my bank so I call the bank in a panic as I had been previously reminded that it was fine to ask for a chargeback or a reimbursement as this transaction was not what I wanted but they told me over and over that they cant even though I kept telling them that this was not what I wanted and now they ended up filing a fraud claim for me but I am afraid they will deny me as they were in denial of trying to help me beforehand. Now I feel like there is nothing I can do as they wont try to help me so my last resort is to file a complaint in hopes of having them accept my claim as this was not what I authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts reporting inaccurately on my credit report are due to fraud. 
I am requesting legal documentation from all the listed accounts and items : XXXX  XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX.
Product: Bank account or service

On Sunday XX/XX/XXXX I incurred a restaurant charge on my debit card for {$61.00}. I at the time had an outstanding balance in excess of {$200.00}. This item was listed immediately as a pending charge. On Tuesday XX/XX/XXXX I submitted a return for a purchase that was credited {$22.00} to my debit card from where I returned an item. This credit did not show until XX/XX/XXXX. I also purchased an item for {$8.00}. Again I had an outstanding balance of at least {$200.00}. This item also showed up immediately as pending. On XX/XX/XXXX I had a utility payment to hit my checking account in the amount of {$210.00}, leaving my balance of approximately {$7.00}. It was at this time that the debit charge from XX/XX/XXXX & XX/XX/XXXX were applied incurring XXXX overdraft fees in the amount of {$36.00} each. Due to the holiday a pension check was delayed by a day causing my funds shortage. My issue with SunTrust bank is they debited the largest amount first causing me to have XXXX overdraft fees as opposed to a single overdraft fee for the utility payment. This is not the first instance of SunTrust Bank manipulating the check register to pad fees from my account.
Product: Mortgage

I Have been struggling because I have XXXX XXXX and I had a progression or an XXXX XXXX, and I called up The first week of XXXX to talk about the fact that I had missed the XXXX payment and was going to be late on the XXXX payment. I asked about forbearance and was given The opportunity to spread the payments out between XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. The gentleman was very nice and he mailed me a letter dated XX/XX/XXXX so I mustve called in XXXX to say I was going to have problems not XXXX, and the letter reads that as of XX/XX/XXXX the total past due amount on your mortgage is {$2600.00} this amount includes all past due payment of interest and principal and escrow if applicable as well as late charges And amounts that we have paid on your behalf service or advances. Then it set up a three month payment schedule for me of XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX for paint {$2500.00}. When I attempt to make the arranged payment I am unable to make the payment as scheduled and I am told that as of XX/XX/XXXX I owe more than {$4500.00}? I make the XXXX mortgage payment anyway and then receive letters telling me last week I am now three months past due and owe over {$6600.00}? Then when I start making phone calls I start being passed from one person to the next to the next being told all kinds of lies and stories about money Stu and find to do and Im holding the ladder and asking questions and it was me that had called and asked for help and this is what happened. I need some help I dont wan na lose my home and all I did was miss onXXXX payment and I cant make any payments and they wont let me make any payments. Theyre making me pay more money than I owe and theyre asking for money that I never owed. Please help me. 

Then, in XX/XX/XXXX I mailed a payment into them and they applied it erroneously to someone elses account. When I asked where the payment was they finally looked for it and discovered that it was erroneously applied it to someone elses account almost a year later. This was not only not fixed they moved around monies and allotted all kinds of fees on my account and refuse to credit me appropriately the right principal and interest credits. In addition I made additional payments to my mortgage, instead of applying the payments to the principal as I applied them they didnt apply them at all. They didnt return the money to me they just wrote unapplied payments and kept the money and never applied them anywhere. If you look at the statements which I made screenshots of and I have attached here they just kept the money and didnt give me credit for it all nowhere. Then I called in to question the payment and I had mailed and payments that hadnt reached them yet, And the man on the phone told me that if I gave him the account number he would make sure that any of the paper checks that were mailed in were torn up. So I gave him my account number and the paper checks were not torn up and instead they charge me nonsufficient funds fee is and when I called up they apologize never remove them and theyre in my account anyway. This is a disgusting servicer and I want all of this corrected please. Can you please help me?