23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$2700.00}
Product: Checking or savings account

I received a ppp loan into my Navy Federal account and they shut my account down saying that I was using my checking account as a business acct. when that is totally false and they have no proof.
Product: Credit reporting or other personal consumer reports

I sent Experian a letter in the mail asking them to delete all personal information on my credit report besides my one and only name my one and only adress my one and only phone number and they added XXXX names to my credit report and XXXX addresses
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees that I incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against XXXX XXXX for similar practices where transaction settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into all of my account transactions.
Product: Student loan

I have a student loan with Navient, and there is just so much to speak about this. 
First my interest rates were ridiculously high, when I started to repay my father and I paid XXXX dollars every single week for 2 years and we had no idea how they allocated payments over the course of XXXX private loans as well as XXXX federal loans. 
My student loan debt was around XXXX. we have paid XXXX dollars every month for 2 years when it became too much to handle we spoke on the phone with them for weeks because when we received statements they were very unclear to read. Sometimes they would even allocate most of my money towards my federal loans and then my private loan balance went up, I would have to call them and then they would claim there was a mistake and promised that my payments would be back-tracked to the original date and interest did n't occur during those times but who knew if they really allocated them to the right time. Which at almost 10 percent interest on a {$200000.00} loan if just 2 weeks of non-payment means another XXXX or so added to the overall cost of the loan. When they corrected their problem I truly do n't think they backtracked my payments and removed my interest that occurred during that time. After a lot of calling and bothering they allowed me to enroll in a cheaper interest plan if I enrolled in auto debit. which I did which I was never told of until 3 years into paying XXXX a month. now I am enrolled in auto debit I do have a better interest rate im not sure why they never told me about this plan, Also they have messed up a handful of times and promised that they would re-allocate my funds in a timely manner and on their statements theres no way of seeing this allocation. 
There are a good handful of times that they have not set well with my father and I and I see now that our feelings were correct. 
Also we always paid our loans weekly, im not sure they even allocated our payments weekly during the few years before I enrolled in auto debit. I just would like to see some type of action on this company. Thank goodness I have my father that somehow knows about huge loans or else I would be lost just like a ton of student borrowers. We have paid about XXXX towards XXXX/navient and my total loan has gone down only XXXX XXXX dollars.
Product: Debt collection

This is a third party debt collector that has been sent written notification to not contact me. In addition, they purchased an old debt and the statute of limitations has expired on the original debt. They reported this debt and it is now on my credit history. The original debt is no longer on my credit history because it is that old.
Product: Checking or savings account

Hello this is to dispute the charge to my account. We deposited {$310.00} your machine accepted {$300.00}, but did not give us any money back only this receipt saying we deposited {$300.00}. Then Boa bank of America took the {$300.00}, credited it back, took it again, credited again, and now closed the case saying they never found the money in the atm and are going to take the {$300.00} out of my account on XX/XX/2020. The lady on the phone said she will place a 14 day hold and to go into the branch office and have you submit the receipt to re open the case. I would like them to check the video footage. Otherwise I will be obtaining a lawyer because you can not just steal money like this. 


BOA then took my money out of my account on XX/XX/2020 and never placed the 14 day hold on my account. I now have an overdraft of - {$230.00}.
Product: Debt collection

WOW is an internet/cable company. We used their service but never signed any agreement. This was a month to month service for which we used OUR OWN EQUIPMENT. We NEVER gave our social security numbers to anyone in this company nor did we ever authorized this company to access our social security numbers. We changed to a different provider and after switching to the new provider WOW has reported fraudulent collection accounts to the credit agencies. This has caused a negative impact on the credit score. This company illegally breached our privacy by somehow accessing the social security number as well as falsely reporting debt that is now owed. I demand that they immediately remove these false and negative reports.
Product: Credit card

I have a care credit card that I have been making payments on and not using for months. My interest rates each month each month takes half my payment, this month however my interest was XXXX dollars. When I called I was told that I missed a promotion. I have no idea what they are talking about but I know this can not be legal. Please help me, this will bring my account up to more than my original balance
Product: Debt collection

Portfolio Recovery XXXX. was sent out a letter of validation on XX/XX/XXXX, 2017. In return the sent me a letter with a copy of a lot of old bills. An old bill does not validate this account belongs to me. When I call they ask me for my social so if you ca n't validate that this is my account why do you need my social. I am asking that this account is deleted off of my credit report because they will not comply of what I need to verify this account. The account number thatchy sent is XXXX. Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable investigation of disputed information on my credit report leaving inaccurate & or unverified accounts unresolved! The CFPB has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses & 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. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Debt collection

I have a collection account on my credit report maintain under my Social Security number from a collection agency the Bureaus Inc stating I owe {$10000.00}. On XX/XX/XXXX I mailed them a certified letter formally requesting validation of the debt pursue to the Fair Debt Collection Practies Act. I requested validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay them. I also stated that it is a violation of the Fair Debt Collection Practies Act if they can not verify the debt they must notify all XXXX credit bureau 's to remove/delete the entry. The United States Post Office had made two attempts to deliver a certified letter to Bureaus Inc address listed on my credit reports from XXXX XXXX XXXX XXXX, IL XXXX. The United States post office returned a letter to me XX/XX/XXXX.I notify all XXXX credit bureau 's listed above in this complaint the address provided for ( Bureaus Inc ) by their agenciesand the post office was unable to deliver my certified letter that 's violating my due process of an adverse action as I was seeking to get information of this debt filed under my Social Security number. I asked all XXXX credit bureau 's to validate the information with Bureaus Inc and provide me with copies of any documentation associated with this account bearing my signature and stated to them in the absence of any such documentation bearing my signature I formally request that the information immediately be deleted from their credit file maintain under my security number. I also mentioned in my letter in accordance with section of statute 611 you are required to remove this account from my credit report as it is undeniable proof of and in accuracy of a reporting on my credit history. The three major credit bureaus stated that the information is correct upon looking at my credit reports Bureaus Inc updated my XXXX credit report on XX/XX/XXXX XXXX was updated on XX/XX/XXXX and XXXX what 's updated on XX/XX/XXXX. As verified how could Bureaus Inc validate my Debt and yet at the same time refuse to except my certified letter asking for verification and validation of any evidence bearing my signature of this account. I believe that Bureaus Inc is acting in bad faith, and not have complied with the Federal Trades Commission 15 USC 41, et seq. Subchapter V Debt Collector Practices. I feel that they are liable for willful noncompliance as per FCRA 807 false and misleading representation [ 15 USC 1962e ] for their unwillingness to except my certified letter requesting validation of the debt.
Product: Student loan

I applied to consolidate and refinance my federal student loan from an agency called   XXXX   XXXX   XXXX   XXXX   in   XXXX   XXXX  , in order to reduce the payments I was making at the time. I completed my application for consolidation and refinance, and received word that my new consolidated private loan was sold/given to  Navient. I  prepared to begin payment of my loan in   XXXX   XXXX  , and continued to receive billing statements from   XXXX   XXXX  , my previous federal loan servicer. I proceeded to call and speak with customer service representation at   XXXX   XXXX  , who stated that there was no information in their data base indicating my loans had been paid off and/or consolidated. In turn, I called   XXXX   XXXX  . The customer service representatives at this agency also stated that it appeared as if my consolidation process/payoff was not presenting as complete. In turn, I called  Navient, wh ose customer service representatives stated that no evidence of partial consolidation/payoff was observed, and that further inquiry would be required. Thus, I had received verbal guarantee from representatives of both   XXXX   XXXX   and  Navient tha t inquiry would be made regarding the observed and confirmed error, and follow up communication would occur. I waited for a period of weeks, with no reply from either entity regarding this matter. Meanwhile,   XXXX   XXXX   continued to bill me for the federal loan. In the same period, Navient private loan department began contacting me about payment deadlines for my new private loan. At this point, I became very concerned, as I had  XXXX  agencies billing me simultaneously, and no follow up communication to update me about the progress of my consolidation, even though my loan was stated to be complete and privatized p er Navient.  Without any further communication from the aforementioned parties, I developed an emotional panic, and reached out to a third loan consolidation agency, which in turn led to financial victimization  ( See  CFPB complaint #  XXXX   ) .  The ultimate res ult of this error has been significant unethical financial loss to my family, as well as a persistent emotional distress I have experienced since it became apparent that multiple agencies were billing me for a student loan, and I received no follow up assistance despite the appropriate communication efforts, which I made in good faith and trust in these entities.
Product: Debt collection

I SENT RECEIVABLES PERFORMANCE A LETTER ON XXXX XXXX CONCERNING A NEGATIVE ALLEGED DEBT OF XXXX THAT I DO NOT OWE.I HAVE ATTACHED A COPY FOR YOUR VIEWING BELOW.
Product: Debt collection

Recovery Management Solutions call me daily from various numbers and area codes. I 've asked them to stop calling and mail me verification of the debt. They refuse to mail me verification. They call daily harassing me and using abusive language.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with IdentityIQ on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last XX/XX/2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX Balance : {$23000.00} will be investigated and updated from my report.
Product: Credit reporting or other personal consumer reports

The dispute with experience only took a few days because again they refused to actually investigate what is going on instead what they did was instead of going through the history of the speaks that I have with experience, they tried to say that I didnt have any dispute in and they didnt know what I was talking about therefore, they were unable to fix anything. Theyre being lazy. Theyre not doing their jobs when you dispute things it stays on a record for a number of years if this company does not want to represent his customers properly they just need to altogether close their business, they are playing with peoples lives because something like credit nowadays is something that can make or break you.
Product: Student loan

There are several companies involved in my dispute : XXXX XXXX XXXX ( which turned out to be a scam ), XXXX, XXXX, and now XXXX. A very long story short : I was enrolled in the Public Service Loan Forgiveness program ( so I thought ), and was misled by the first three companies who told me that all of the payments I was making ( including in the Standard Plan were part of the necessary qualifying plan. XXXX claims they will only count 11 payments I have made toward the program instead of the 5 years worth that should be counted. It even states directly on the XXXX   website that the Standard plan is a qualifying plan for PSLF.
Product: Credit reporting or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 accounts below : XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to Equifax on XX/XX/XXXX in regards to a previous car loan. I pulled my credit reports and noticed that Equifax was reporting an incorrect close date. Equifax reports a close date of XX/XX/XXXX. I received a new auto loan from my credit union on XX/XX/XXXX and this account showing was not closed until XX/XX/XXXX. This shows me that, although it was said that it occurred, the account has not been properly verified, and Equifax has not done its due diligence, and instead continue to respond to my disputes that the account has been " updated ''. They have continuously shared incorrect information although it has not been properly verified. As a result, I requested and asked that the account be deleted immediately.
Product: Checking or savings account

On XX/XX/2021, I submitted a payment to XXXX XXXX XXXX for {$300.00}. The first payment was submitted at XXXX.The next morning I checked my account the payment didn't reflect so I submitted another payment. Once XXXX XXXX open I called and asked if they could if my account reflected 2 payments, the representative stated yes. I asked if they could reverse the 2nd {$300.00}? I was told " no '' because it was already processed. XXXX XXXX stated I needed to speak with my bank. I called NetSpend, ( XXXX ), was told I needed to open a dispute. I sent all the rquired inforamtion requested by Netspend. XXXX XXXX refunded the funds back on XX/XX/XXXX. The Pulse network system received the funds on XX/XX/XXXX and refunded the money to Netspend ( XXXX ) on XX/XX/XXXX. Tried reaching out to ( XXXX ) home office left a few messages seeking help. I have spoken to several rude customer service representatives. Spoke with a supervisor on XX/XX/XXXX by the name of XXXX who hung up on me. With the dispute they are making me wait until XX/XX/XXXX and they may give me a provisional credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested a dispute of my TransUnion credit report. I received the results of dispute on XXXX with no change on a specific item. I then requested the verification process and name and number of verification provider and it could not be and was not provided to me upon request.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. These accounts below have violated my federally protectedconsumerrights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX Account Number : XXXX. 
I want Experian to investigate every piece of information on these accounts that I have listed above.According to the FRCA the term " investigativeconsumerreport '' means aconsumerreport or portion thereof in which information on aconsumer 's character, general reputation personal characteristics, or mode of living is obtained through personal interviews with neighbors friends or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Also, according to FCRA15 USC 1681S-2 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors.A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( 1 ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
I want a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 

Delete these accounts from my credit report : XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

PHH mortgage recently sent me a notice of default and intent to accelerate letter. This letter claims they have not received a payment since XX/XX/XXXX. In XX/XX/XXXX I received notice that I was approved for a mortgage modification which I applied for in XX/XX/XXXX when my husband got sick and was no longer able to work. The trial modification was to go from XX/XX/XXXX - XX/XX/XXXX. If I complied with the terms I would be offered a permanent modification. I paid every payment in that time period not just on time but early. At the end of XX/XX/XXXX I received notice that I was being offered a permanent modification and the paperwork was in the mail. I continued paying per the terms of the trial modification while I waited for the paperwork. It took two months and several phone calls and emails before I finally received the new modification agreement. I immediately signed it before a notary and sent it back. I also sent my husbands death   certificate and proof that I was entitled to the property as my husband had passed away   in XX/XX/XXXX. I didnt get any response, however, shortly after I sent in the permanent modification paperwork I lost access to my online account, I could not log in. After several emails to customer service I regained access but I could no longer make payments on line and all the account information changed. Neither the temporary modification nor the permanent modification were reflected on the on line account information, and none of the payments I made under the modification were shown. After several months of phone calls, emails and complaints I received via XXXX the permanent modification paperwork and the agreement to assume the mortgage. I immediately signed and returned the paperwork via XXXX with delivery confirmation. Still nothing changed in my online account. I have made every single payment per the modification agreement since I received it, and every one was on time. I used cashiers checks from my bank and sent every payment certified with signature confirmation return. Every. Single. Payment. Was. Made. I have evidence of every payment. So why are they sending me a notice of Default? 
PHH also refuses to send any correspondence to me, they send mail addressed to my late husband. The mail is returned because the post office was notified of my husbands death. Ive sent countless emails requesting that everything be addressed to me, all are ignored. I didnt receive tax documents because they were addressed to my husband. I havent received any correspondence from PHH at all, except for this notice of Default letter. That they managed to address to both my husband and me. My payments have been made per both modification agreements, I have proof of every payment sent and received by PHH, but still they want to foreclose on my home. To them this is a great opportunity to take advantage of a widow in a vulnerable position who happens to have a somewhat valuable property. This is a scam and it absolutely should not be allowed to continue.