23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Subject Line : Sallie Mae Told us to DEFAULT on our Student Loans Yes you heard that right. For months we have been trying to find a solution to simply lower our payments. And have our student loan payments be based on income. As a teacher, putting yourself through school solo while working XXXX jobs is hard enough. But when the repayments start and the payments are MORE Than the salary, more than the income that is brought home, it becomes mind blowing. XXXX even moved him and his family into his camper to save money JUST to be able to afford these ridiculously high payments. 

For months - we have been reaching out to Sallie Mae for options lowering interest rate, lowering monthly payments so they reflect a proper income ratio. Weve looked to refinance, remove the co signor so the co signer could help in other ways, written letters, soundless hours on the phone, escalated through the XXXX and XXXX XXXX, AND was even featured on the news. Sallie Mae is unwilling to help. And this week told us the only way we could lower payments is to STOP PAYING THEM, DEFAULT on our loans, and eventually our paychecks would start being garnished and then they could find a lower payment solution. 

Yes you read that right. They want us to mess up our credit, obtain embarrassment and stress, not be able to get a mortgage, screw up our credit, our working relationships and more, instead of lowering our payments or interest rates. OR consolidating all of our loans into XXXX. 

To summarize, weve exhausted all options. 
Rate reduction Payment reduction to be based on income. 
Consolidation Teacher credit or consideration XXXX XXXX XXXX XXXX XXXX XXXX XXXX  within XXXX XXXX I'm at a loss. They literally moved into a camper because their Sallie mae payments are so high. They just want to lower the payments to be able to afford rent on their salary. They've been on the news, link below. No one at Sallie Mae will help them. They've been predatory, rude, unhelpful. Set them up to fail. Bait and switched them on the loan. They are simply looking for lower monthly payments so they can afford housing. And find ways where Sallie Mae stops raping innocent people like them who give back to the community day in and day out. 

Can you assist me on I can speak to? A rational person that may be able to help? Someone who could even point us to a stable refinancing option with a lower rate or consolidation option based on his salary? A teacher who gave his life for kids, and this is how the country repays him, by forcing him to live in the woods, not helping him, and telling him to ruin his credit. 

XXXX XXXX XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Loan under XXXX XXXX
Product: Mortgage

On XXXX/XXXX/15, I called Wells Fargo to ask why there was an amount of {$7800.00} due under total payment category on the bill. Incidentially, the amount has increased to {$9200.00} on the XXXX bill. I was told previously that I owed for XXXX and XXXX. I was calling to make the XXXX payment, with the statement that I would make the XXXX payment in another week. The repres. informed me that the amount of {$7800.00} was money in a holding account, that was unapplied. I asked her to request that this money be applied. She stated that she would ; and that, I should call back in 3-5 business days. I called back on XXXX/XXXX/15. I was told that there existed the request on file, but the request had not been completed. I asked why and again that these monies please be applied. I made a payment of {$1100.00} to bring loan current for XXXX 2015. I looked over my bank account to determine that Wells Fargo had made a mistake in the payment owed amount of {$1100.00}. Rather than drafting {$1100.00}, they drafted only {$1000.00}. I called and made the {$100.00} payment to bring the loan current for XXXX 2015. 
I called on XXXX/XXXX/15 and spoke with XXXX @ XXXX, to determine whether the funds listed above, had been applied. She stated " no '', because my loan came to them from Waucovia Bank, and there is thus, a special team of persons working on this 'ACP project loan '. They would likely not be able to apply the dollars in the holding account until XXXX. I informed her that I am in an active bankruptcy and I do not wish to be considered delinquent given that I have been making regular payments and I was told that the account is current for XXXX 2015. I told her that I do not want later to be considered for a foreclosure suit. She stated that even if I continue to make regular payments, they will continue to go into 'unapplied funds '. I can not fully understand why this is the case since there is a team of persons working on what she termed a few of these 'ACP project loans '. 
I am filing a formal complaint against Wells Fargo. I asking that you assist me by investigating this issue with the hope that these funds will be applied in a more timely manner and on a regular basis, so as to assist me in avoiding this problem in the future. XXXX stated that Wells Fargo has received multiple calls regarding this same issue. I lost my home to foreclosure once because of bank fraud. I am not willing to have this happen again. Please help me.
Product: Mortgage

On XX/XX/XXXX, reached out to Swivell, Inc., Capital Mortgage of Texas since I have a closing on my property located in XXXX Florida. When I spoke with Customer Service requested to get a Release and satisfaction of the mortgage on loan # XXXX since the loan had been already paid off on XX/XX/XXXX. I was transferred to the person in charge of Release XXXX XXXX and all I got was a voice mail, left several messages on XX/XX/XXXX and XX/XX/XXXX, and sent a text via chat on their website and as of today, have no heard from anybody nor received a release of the mortgage that was paid off. The Title Company that is working on the closing also faxed them a request for the satisfaction of mortgage and called XXXX and spoke with someone by the name of Mr. XXXX and no one has responded back to her. I want the Release of the Mortgage. Just wondering why they do not want to release the mortgage that have been paid. Is highly questionable why the do not want to release a mortgage that has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted Chase to remove the 10 year old bankruptcy from my mortgage statement. They did not. They then proceeded to ruin my credit by re repoting the bankruptcy, and taking off my payment history. WHY???
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquries on my report dating back as of XX/XX/2016 that is not tied to any open account because I did not authorize them I asked them to be removed, the only 2 inquiries that I have authorized are XXXX XXXX XXXX and XXXX, the rest I did not give authorization.
Product: Mortgage

Specialized Loan Services ,  XXXX   XXXX   XXXX   XXXX  DOUBLED TAXES/INSURANCE in escrow.    XXXX   XXXX   XXXX  - Letter stated payment would go to {$1400.00} on  XXXX   XXXX   XXXX  from previous monthly amount of {$1100.00} *Discovered their escrow include my yearly taxes and insurance doubled  XXXX   XXXX  - made payment of {$1100.00}. invoice said {$1100.00}  XXXX   XXXX  - Made payment of {$1400.00}. invoice said {$1400.00} I paid on phone with rep who said they would do an escrow review to resolve the issue with double tax/insurance on escrow . * T his is over payment of {$260.00} for  XXXX   XXXX   XXXX  - made payment of {$1100.00}  XXXX . invoice said {$1400.00}  XXXX   XXXX  - made payment over phone of {$1100.0 0} (   XXXX ? ) after several harassing phone calls to me about payment overdue discussed the issue with double tax/insurance in escrow. On phone for  XXXX  mins and then they disconnected me. Called back and was on phone  for 45  mins spoke to  XXXX  and  XXXX   (  tax dept ) no number given.  XXXX  stated she could see the double escrow and it just needs to be removed. Told them I would be reporting the issue in 15 days if this is not properly resolved.    XXXX   XXXX  - Called again to resolve the " overdue '' after I received letter in mail dated  XX/XX/XXXX   XXXX   XXXX  - made payment of {$1100.00 } (   XXXX ? ) invoice said {$1700.00}.    XXXX   XXXX  - after several phone message to me from SLS I returned call. On phone for 30 minutes. They said they have not received payment for  XXXX ! I once again asked if they had issues resolved and also what happen to my (  2 )   XXXX  payments. Was disconnected again.    XXXX   XXXX  - Billing invoice for  XXXX  states I owe {$2900.00} which doubles what they continue to incorrectly bill me for my monthly invoices ( {$1400.00 } ).      By my account they owe me : - {$1100.00} double  XXXX  payment - {$260.00} for over paying back in  XXXX .   TOTAL of {$1400.00}.     They have been horrible to deal with from constant phone calls and messages at all times of the day/evening to their inability to resolve issues even after they agree the issue is theirs not mine. The extra money and funds they are holding is causing a financial hardship in my monthly budget. The time to have several lengthy phone conversations during my working hours is causing loss of work productivity that I should be compensated for.
Product: Credit reporting or other personal consumer reports

So, this account is showing as in collection when it was paid in full years ago and it's showing as if it's in bad standing when they told me it would show in good standing. I was also told once paid it would be removed from my credit report and it would be removed from XXXX XXXX credit report also.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Ive gotten several ( XXXX ) debt collections to my email address XXXX for someone named XXXX XXXX XXXX It includes his account numbers, original creditor and balance
Product: Credit card or prepaid card

I had a Citi credit card, and I was charged {$450.00}  annual fee. I called to ask to waive it, and I was told I ca n't. 
I asked if I cancel will they refund the money prorated based on days left, they said yes. So I went ahead and canceled. 
I did not receive a credit and they are saying the card is not eligible for a credit. I canceled 10 months of the cc based on getting a refund not for no reason.

Below is their final answer on XXXX XXXX Dear XXXX, Thank you for your further inquiry. 

As mentioned in our prior messages to you, your XXXX XXXX World MasterCard Elite Executive card account ending in XXXX is not eligible to receive a full or partial credit of the Annual Membership Fee. This fee is non-refundable for this account. 

We regret any inconvenience you may have experienced. We strive to be the best in the business and feedback like yours helps us to improve our service. We will make every effort to serve your future needs in a manner more consistent with your expectations and our standards. 

We hope this matter has been clarified and we now consider this resolved. Please note that we will be unable to reply back to further inquiries regarding this specific issue. However, if you have any other outstanding issues, we 'd be happy to help you with those. 

While we are unable to accommodate your request, we appreciate the opportunity to explain our position. 

XXXX, Sr. Account Supervisor.
Product: Debt collection

I previously disputed with this company to provide me with my HIPPA release form that I signed to see where did I gave permission to this or other 3rd party company to have my medical records. They said they were not breaking any rules and I disagree it is a violations to my right for any 3rd party collections to even have my medical record and I will be reporting this HIPPA as a recommendation by my lawyers and will get ready to follow suit thereafter. 

On the breakdown fees it shows what they did to me and that's private and sensitive information that only my doctors and I should know but unfortunately you also have this information WITHOUT MY PERMISSION!! 

I want them to send me my HIPPA release form to see where does it say I gave permission to them to have my medical records so please provide a copy of my signature Asap. I will provide proof of documentation that I sent the company and will provide the certified Mail receipt with tracking number so you can review I feel very disappointed with this company and I'm ready to file a lawsuit if nothing changes
Product: Debt collection

they claim i owe a debt but they have yet to verify the debtshow me proof of ownership that authorizes for them to collect this debt.full account history with transactions and statements.a copy of a signed contract or agreement that says XXXX obligated to pay this debtand their licensing and registration information as required by the relevant state and federal laws.
Product: Student loan

I was recently, within the past couple years ... .Started on the " Loan rehabilitation '' program. Since XXXX 2015, I have been fighting Navient, over my defaulted loans ; which, they state, that they are out of default. Currently, this is n't the case. I have n't been able to, reinstate my student status, due to this issue. I have called, everyone ( This includes the federal loans servicers ), over this issue. So, it has finally come to this. Lodging a Serious complaint, about the way I have been treated, over this past 12 months. Thank you.
Product: Credit reporting or other personal consumer reports

This account in in violation of 15 U.S. Code 1681 5 2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) The creditor reporting this inaccurate account failed to notate this account was in dispute within 30 days. Delete this account from my credit report due to FCRA violations. I have requested the information from experian that they use to verify these accounts. XXXX ignored my request and sent nothing. I have disputed these accounts 3 times and requested information since XX/XX/scrub>XXXX XXXXXXXX just ignore my request for information and notate my account verified as accurate. And never provided any information this used to verify.
Product: Checking or savings account

XX/XX/2023 My name is XXXX XXXX and I have asked my sister to help me send an email to you asking for you help with Wells Fargo whom I was banking with for I have no internet at the place where I am living just electricity. 
My troubles started earlier this year when someone hacked my account with Wells Fargo, filling out XXXX of their online loans and attaching it to my name and account from XXXX. Then all XXXXXXXX XXXX XXXX when on XX/XX/2023, I deposited a Cashier cheek in the amount of {$10000.00}, everything checked out at the bank when I put the money in my account. However, by XXXX the same day I get a text from Wells Fargo stating that they have closed my account claiming fraud. Today I get another text from Wells Fargo saying I now owe them {$10000.00}. I have spent a lot of time on the phone arguing with them about this problem with no end in sight. I am left with no money for my bills and other expenses. Not to mention they canceled my charges I made at XXXX and XXXXXXXX XXXX  where I spent the money for food and water. I am living in a XXXXXXXX XXXX XXXX where I must keep water in the storage tanks so that my pipes do not freeze up. I live off my social security check and my ex-husbands military retirement check. With this account closed I have had to try and get they sent to a new account but there is no guarantee that my money will get into the new account by XXXX. The sad thing about this problem is I am not the only one Wells Fargo has closed accounts on using fraud as an excuse. To me this is stealing the money that belongs to their customers. Wells Fargo is now saying I own them {$10000.00} then it was {$320.00}. I ask before leaving the bank how much would be available for me to use to get food and water, the cashier said {$400.00} so I left the bank and went an bought groceries and water, later that same day the fraud department text me and said my account was closed. Now I have no way of accessing my account and no money to pay bills or gas or anything else. 
You can reach me by text only at XXXX Thank you for all your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX refuses to remove the balance of {$33000.00} from my credit report. My XXXX was traded back in XX/XX/XXXX and paid in full by XXXX of XXXX XXXX. I have a paid in full letter from XXXX but they refuse to update and report the balance as {$0.00} to all credit bureaus and this is lowering my score and debt ratio. According to them they will remove this amount in XXXX which makes no sense since the balance is {$0.00}. Very unfair and makes no sense.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXXXXXX  under the account number XXXX, an auto loan account opened at XXXXXXXX XXXXXXXX XXXX XXXX  under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX XXXX XXXX  with a balance of {$190.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

I have an auto loan with Bridgecrest. I have set up an account to manage my loan. However, their website does not show the loan balance, how/when my payments are applied so that I can readily see this information. It only shows a balance. Shouldn't I be able to se the start of my loan, when payments are applied and the current balance all at the same time? When I emailed them about this, I was required to all about this and I was advised that the only thing they could do was provide me with a loan payoff balance. This doesn't do me any good. What if I make extra payments and what this applied to the principal only ... ..how do I verify this? Why do I have to call them everytime I want this information and be told it will take 24-48 hours to get this information sent to me. 
Doesn't this violate some Truth-in-Lending statute?
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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

My credit score with only this Equifax drops 40 points for no reason. 

The only thing that changes is an inquiry dropped of my report. I have no negative reportings on my accounts? 

This happened before in XXXX of 2023 and no explaination is provided by Equifax.
Product: Debt collection

Midland was written on XXXX XXXX and legal demand was made to validate and prove the alleged debt. They have not responded
Product: Credit reporting or other personal consumer reports

I should have zero new inquiries as i have never filed for anything. So thete should b no new inqiries since XXXX... i did add a freeze to my account once i noticed.
Product: Credit reporting or other personal consumer reports

I've notice fraudulent and inaccurate information on my credit reports.

please see my attachment for more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.