23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I received two Direct Unsubsidized Loans. The loans went into repayment status. I filed the IDR application and it was approved. As a result, I am not required to submit any payments to my loan servicer ( Navient ) for a duration of the year. The policy of Navient does not allow me to return some of the over-borrowed amount of the loan, neither am I allowed to direct to the payments towards principal of the loan until I pay off the amount of the interest that accrued as of now. Consequently, it hinders my ability to improve the status of my debt. 
Additionally, I was misinformed about the status of my loans in terms of the interest capitalization. The information that was provided by the Navient representative was inaccurate and resulted in inappropriate actions on my behalf in terms of the management of my loans ( I might be able to obtain the recording of that phone conversation ). On a consecutive call to Navient I was trying to resolve the situation with the supervisor but the situation was never resolved. 
I would like to switch my loan servicer as I believe that the policy of Navient undermines my ability to pay off my loans.
Product: Credit card or prepaid card

Chase has closed my account without notice or reason since XXXX they told me that I would get a check in the mail in 10 business days. It has been way over that time period today is XX/XX/26 Ive called many times including today they have hung up on me with no answer to where my money is. They are thieves. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with Equifax. I submitted a dispute XX/XX/2019 online, for some reason the online portal would not allow me to continue so it had provided me a form to manually submit through email. On the dispute form I submitted, it included only 2 accounts. One with the amount of {$310.00} for XXXX XXXX and the other in the amount of around {$1400.00} with XXXX XXXX, original creditor XXXX XXXX. As I submitted the form, it was having trouble and did not provide a confirmation. I followed up with a phone call XX/XX/2019 and spoke with a representative which confirmed a dispute was submitted and the confirmation number was XXXX. She then confirmed one of the 2 accounts were not included and proceeded to help me with another dispute, confirmation number XXXX. A few weeks passed and I received email confirmation that my disputed were resolved on XX/XX/2019 and XX/XX/2019. On XX/XX/2019 I discovered most accounts on my credit profile were deleted. All of my open accounts that are correct and current were deleted. I have been in contact with multiple agents and supervisors. I have been told to contact my creditors and my creditors have confirmed they have been reporting to all three credit bureaus. My XXXX and XXXX profiles are correct for the most part and are updating, but Equifax has still not resolved this issue. This is affecting me tremendously and I need this to resolved expeditiously.
Product: Checking or savings account

A Wells Fargo ATM stole my cash, and the bank still hasn't reimbursed me. On XX/XX/24 I attempted to deposit {$950.00} into my checking account via a Wells Fargo ATM located next to the Wells Fargo Branch inside the XXXX XXXX at XXXX XXXX XXXXXXXX XXXX in XXXX, XXXX. I inserted my ATM card and my {$950.00} ( XXXX {$100.00} dollar bills, XXXX {$50.00} dollar bill ) into the ATM. An error code popped up on the ATM screen stating that my transaction could not be processed. I expected the ATM to return my cash, but instead it kept my money. There are multiple store cameras aimed at the ATM that can verify my deposit. I immediately went to the branch teller window and spoke with the teller and then the branch XXXX. The branch XXXX stated that since this Wells Fargo branch was located inside a XXXX XXXX they didn't have a key to open the ATM and retrieve my money. The branch XXXX said that I would have to call the number on the back of my ATM card for help. I've contacted Wells Fargo customer service multiple times, but the bank still hasn't reimbursed me. I filed a claim inquiry with Wells Fargo. The claim number is XXXX. The claim remains unresolved. Wells Fargo has stolen my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have an items passed on that should be investigated. Per FCRA you are expected to update these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I was only able to open a savings account and money kept getting out from my account kept charging me over drafts and wouldnt let me close my account cant remember what month and year been so long ago
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned that I had a change to my credit score through a third party monitoring service. It showed Amsher as the collector of services through XXXX in the amount of XXXX. I was with XXXX for 18 years, had only one account and switched carriers exactly one year ago. 

I contacted XXXX, they explained the charges and credited my account on XXXX for a portion of the monies that were incorrectly charged. My existing balance is now XXXX. 
Here is where I am having the issue. 

I contacted Amsher this afternoon and was told they did not see a credit to my account and my account had not been reported to the credit bureau. They said there should be nothing on my credit report through them. They then said, " Oh, wait. There is a second account here. '' They said it was also through XXXX. I was put on hold and told that I needed to contact XXXX XXXX, XXXX at XXXX regarding my " other account ''. 

When I contacted XXXX XXXX XXXX  office, I was told that they did have my account and that I owed XXXX. ( XXXX XXXX change to amount I owed was on this account ). I was told that even if I paid that amount, I could not remove the negative mark from my credit report. 

I called Amsher back and spoke with XXXX. I asked her why I have two accounts from XXXX in collections and want to know how to get Amsher off of my records if they never sent report to the credit bureau. She put me on hold for several minutes and did not give me an answer. I was just told I had to contact XXXX XXXX XXXX office and ended the call. 

I called Amsher back and spoke with XXXX. I wanted to know the date that XXXX turned my account over to Amsher and what date my account was sent to XXXX XXXX XXXX office, as I believe the dates coincide. She became very aggressive and refused to give me any information. She stated that she did not have to give me that information and that she was going to end the call now and hung up. 

Am I not allowed to have information on my own account? I can not get a date of when my account was transferred? Or, acquired? I thought there was a " Fair Credit Reporting Act '' which made this information available. Not according to Amsher!
Product: Credit card or prepaid card

XXXX XXXX   increased my interest rate from 10 % to 29 % with no notice whatsoever on my XXXX  Credit Card. My minimum payment increased 200 %. I want my interest rate changed back. This change occurred just between my XXXX billing statement and my XXXX billing statement. I have emailed them multiple times, and called, since I received no notice whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance Owed : {$56.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$210.00} ; XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$6.00} ; XXXX XXXX Balance Owed : {$15.00} ; XXXX XXXXXXXX Balance Owed : {$5600.00} ; XXXX XXXX XXXX Balance Owed : {$29000.00}.
Product: Debt collection

On XX/XX/2020 around XXXX XXXX., I was contacted by Midland Credit Management , Inc. , by its representative, XXXX XXXX regarding an alleged past due credit card bill. The collector started off by telling me that the company plans to bring this account into ligation. Which means is planning on suing me for a past due charged of debt that I am making attempts to resolve. I questioned him and ask why is this sounds like a threat. I felt uneasy, but continued the call. I remained respectful and explain why I fell behind on several credit obligations. 

Be advised that Midland Credit Management bought this debt from XXXX ( also known as a XXXX XXXX XXXX XXXX ). MCM by its representative is threatening to take legal actions and bring this matter into litigation. XXXX XXXX 's supervisor got on the phone to approved a potential payment plan and I mentioned that I was uncomfortable with giving out my banking info at this time that I'd need to think and review some things first. He became very disrespectful and very condescending. For someone who is trying to resolve such matter, I did not think this type of disrespect was called for. 
I request that Midland Credit Management would cease and desist immediately. 

Further, I pray that MCM learn how to speak to people who actually plans to pay their pass due bills, if indeed they do owe. 

Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I made arrangements with XXXX Attorney to settle two accounts I had with them. 
XX/XX/XXXX, Both accounts were settled in full. Account # XXXX was settled for {$1200.00} and Account # XXXX was settled for {$900.00}. 
In return, XXXX agreed to my reports being updated to settled in full with a {$0.00} balance. I have called and emailed them numerous times but with no luck. 
I reached out to Equifax and put an investigation in with sending proof of accounts being paid but to this day, on XX/XX/XXXX Equifax is reporting that I owe over {$4000.00} on this account with 30, 60,90-day late  payment. I sent Equifax the proof that these accounts were settled and they were to investigate but they are still reporting incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on an item that was existing on my account. The account was paid in full and should have been removed. Experian did not remove the account but instead reapplied the same account dropping my credit score by 50 points.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Finanical Protection Act ( CFPA ). Specifically, Cash App fail to take timely and effective measures to prevent and 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. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

My loan was transferred to PHH Mortgage Services in XXXX. My first payment was due XXXX/XXXX/17 with this new loan servicing company. I have not received ANY paperwork from this company so I went on-line the end of XXXX to sign up for Auto Payments. On XXXX/XXXX/17 I contacted PHH to get my account number ( which is required to enroll ) and was told they could not provide over the phone but would fax me my account number, even though they had no fax number on file ; I provided my fax number. It never arrived and I left town on business. Upon returning on XXXX, I again contacted them and confirmed my fax number ( correcting the associate several times with mistakes she was making when I asked her to repeat the number ) - again, no fax received with my account number ... My most recent attempt was today XXXX and I explained to the customer service person that my fax was an electronic service ( eFax ) which will provide a history that they did or did not send ; she FINALLY faxed my account number which I received before hanging up with them. I was told that the only person that could waive fees was a manager which I was told would call me back in a few minutes. This never happened. Now, with only a couple of days before payment is due, Making my payment by mail will not arrive in time and I can only subscribe to auto pay starting in XXXX so I am being forced to pay a {$7.00} fee for processing my payment. This would not have been necessary if my paperwork was handled properly. It is my strong assertion that this company puts their customers in a situation of paying fees above/beyond what payment is due as a course of doing business. At this point, I am looking for a refund of the {$7.00} service fee that I was charged. Thank you in advance for your time reviewing my issue. 
Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had violated my rights. 

15 U.S.C 1681 Section 602 A. Section I have the right to privacy.

15 U.S.C.1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction
Product: Credit reporting or other personal consumer reports

This formal complaint is against TransUnion. I have disputed with TransUnion a few times regarding the inaccuracy of late payments being reported on my consumer credit report. Multiple dispute letters were mailed to TransUnion, contacted directly over the phone, and documentation was provided to them. I received your response stating that the late payments on my consumer reported were verified as accurate. Even after TranUnion 's reinvestigation, the inaccuracies still appear on my credit report. 

XXXX is in CLEAR violation of the law. Pursuant 15 UC 1681a 2 ( A ) ( i ) and this constitutes to inaccurate reporting.

Exclusions Except as provided in paragraph ( 3 ), the term consumer report does NOT include : ( A ) Subject to section 1681s-3 of this title, ( i ) Any report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law Clearly States : Transactions between the consumer ( ME ) and the person/company ( XXXX XXXX XXXX XXXX XXXX XXXX  ) making the report is NOT INCLUDED on my consumer report. A late payment is a transactional history, My History with the company. CONGRESS clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports.

TransUnion ( the consumer reporting agency ) has VIOLATED the FCRA 15USC 1681a 2Ai by reporting these transactions and experiences, reflected as late payments on my consumer report which CONGRESS clearly states IS NOT included on my consumer report.

In accordance with the Fair Credit Reporting Act, TransUnion has also violated my following rights : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 states that consumer reporting agencies can not furnish an account without written instructions 15 USC 1666b timing of payments states a creditor may not treat any payment on a credit card as late for any purpose
Product: Payday loan, title loan, or personal loan

During my employment at XXXX XXXX XXXX. I had a 401K plan held by Wells Fargo Bank. I took out a loan to purchase a home against my 401K. I since then switched employers to XXXX XXXX whose 401k program is held by XXXX XXXX. I was in the process of purchasing a new home and wanted to borrow against my 401k again. This required me to roll over all my funds from Wells Fargo into the account I had at XXXX XXXX. I called an inquired about the process to Wells Fargo. The representative informed to to roll over the funds I would need to pay off the existing loan first then rollover the funds. I was to use the special request section on the forms provided to request that the loan was to be satisfied with the check included then rolled over. I received the rollover checks and submitted them to XXXX XXXX and I also received a check in the amount of the loan that was to be paid off which began to raise questions as to why they returned that amount to me and why the rollover amount did not match what I was expecting. Sure enough the processed the roll over but did not process the loan pay off. I have called Wells Fargo multiple times to correct the issue since now I have the hefty tax burden of an early withdrawal penalty and being taxed on tax differed monies. Wells Fargo first tried to tell me that there was nothing to be done about the issue. Then as it escalated they said I was made whole again because they returned the loan check. The next step was that they would help and they finally admitted to the clerical error, but I would need to send a check to XXXX XXXX for the sum of the loan I originally took with Wells Fargo. I explained to them those monies went to pay for the new home I am living in, and that stopping the closing at that point would of resulted me being in breach of contract and subject to penalties as well. Wells Fargo said that is the last option they could accommodate to eliminate the discrepancy. Just buying a new home, I do not have the finances nor will I before tax filing to satisfy those terms, given a year or two I may be able to accommodate that request, but by then I will have suffered the tax penalty.
Product: Debt collection

The office of Hunter Warfield attempted to collect a debt I am not aware of. They have harassed me after I've told them to stop calling and on XX/XX/2023 I received a call from a person misrepresenting themselves saying they were from a grant agency and wanted to give me a grant only for me to call the number and be directed to Hunter Warfield. They are saying I owe {$3000.00} dollars to a company called XXXX XXXX whom I have never done business with.
Product: Debt collection

In XXXX of 2019, I went to the XXXXXXXX XXXX XXXX in XXXX, AL and rent/purchased a washer. It was a temporary thing, I thought, I was going to buy a used one. 
What they DID NOT TELL ME was that I had to pay for it for 6 months. 

Meanwhile, I've lost my job from covid, and at XXXX, am probably going to have to live on SSI. I tried to explain this to them 3 months ago and asked them to come get the washer. ; They let me keep from paying the debt for a short period, but never came and got the washer. 

They just deducted {$170.00} from my account. This was every penny I had left and now have no money for food.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian for failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681 ( 5 ), and 15 USC 1681c ( c ). Despite sending multiple written disputes regarding inaccurate information on my credit report, Experian hasnt responded in compliance with the law.

As outlined in 15 USC 1681i ( 5 ), Experian is required to ensure that any disputes are investigated thoroughly and within the legally mandated 30-day timeframe. However, my disputes have not been adequately addressed, and the errors remain on my credit report. This has negatively impacted my ability to obtain credit, secure housing, and potentially find employment.
Product: Debt collection

This collection agency is trying to collect a debit from XX/XX/XXXX. I was a XXXX in college and did not get my XXXX credit card until XX/XX/XXXX. It would have been very easy for a roommate or anyone else to get this info. I did n't keep it hidden I did n't think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
Product: Mortgage

mr.cooper provided notice of sale or transfer of loan effective XXXX/XXXX/XXXX, letter was postmarked XXXX/XXXX/XXXX, this is not the the mandated minimum 15 day notice. Letter states they will no longer accept payments after XXXX/XXXX/XXXX. I have not received anything indication how payments are to be sent to alleged new servicer XXXX XXXX XXXX XXXX as of XXXX/XXXX/XXXX. Payment is due on XXXX/XXXX/XXXX and past due on XXXX/XXXX/XXXX. I feel this is a predatory practice to negatively impact my credit rating and reduce chances to refinance with a possible 3rd company.
Product: Mortgage

I have a loan with Nationstar Mortgage LLC, d/b/a Mr. Cooper. 

On the XXXX of XXXX, 2020, I called to get my FHA MIP Insurance ( PMI ) removed since I had paid off 20 % of my loan. The PMI is {$86.00} per month. I was told that I qualified and that the process would take less than 30 days. I specifically asked for some sort of acknowledgement be sent to me that my request was received and would be acted upon. I was denied this request. I was told that the only notification I would receive would be a letter when the PMI removal was approved. 

On the XXXX of XXXX, 2020 at XXXX XXXX  EST, I called and spoke to XXXX in the PMI department. She told me that the PMI removal was not processed in XXXX, so she would submit another. She also said she would call me back Friday the XXXX of XXXX, 2020 with a follow-up status. I then also put in a complaint that nothing was done in XXXX. I asked for reimbursement of the PMI since the loan servicer did not do its job and that cost me money. 

On the XXXX of XXXX, 2020 at XXXX XXXX  EST, I called back since I never received a follow-up call from XXXX. I spoke to XXXX in the PMI department ( ticket XXXX ). He told me that the PMI removal request from the XXXX was processed, and it would be taken off the next bill. He sent me a secure email and mailed a hard-copy, both of which I received. I then inquired about my complaint. XXXX informed me that the complaint was not entered correctly, so no one else saw it. He told me he would escalate this complaint to his manager. I asked for 3 things : 1 ) reimbursement of 2 months of PMI since the loan servicer didnt process my request for 2 months, 2 ) a call back from the manager on Tuesday the XXXX, 3 ) an explanation of what went wrong on both of the prior calls. 

It is now the XXXX of XXXX, 2020 at XXXX XXXX  EST, and I have not received a call back from anyone at Mr. Cooper.