23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

After XXXX XXXX transferred my loan to Navient, WITHOUT MY PERMISSION, Navient has not allowed me to access my account. I 'm locked out and there is NO HUMAN CONTACT OPTION AVAILABLE BY PHONE! I can not unlock my account at all. 

Navient needs to return my loan to XXXX XXXX and be barred from XXXX Loans if they are not going to let people access their accounts. I did not give them permission to lock my account, making what they did a CRIMINAL HACK. 

Please get Navient out of the business and send my loan back to XXXX XXXX! 

If you do n't remove my account from Navient and send it back to XXXX XXXX, I have NO WAY to interact with them, meaning that ALL of my loans through them should be nullified completely. Heck, they should have been forgiven because I was a teacher in a at-risk, inner city school for more than a decade but that program excluded me because my loans were too old. 

PLEASE GET RID OF NAVIENT!
Product: Credit reporting or other personal consumer reports

I am disputing the account ( s ) listed below and have attached the original dispute letter sent over 45 days ago. Despite my dispute, your agency claimed to verify this debt. However, it is clear no proper investigation occurred, as your automated systems responded within seconds. Under the FCRA, you are required to verify the accuracy and validity of the debt within 30 days. I contacted the creditor directly, and they failed to provide the original contract or validation of my obligation. I have certified mail receipts proving my efforts, yet no evidence has been provided to confirm this is my debt. If the account ( s ) can not be verified, you are legally obligated to remove it. Continued reporting of inaccurate information violates the FCRA, and I am prepared to pursue legal action for actual damages and defamation. Disputed Item ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I demand the immediate deletion of this account from my credit file to avoid escalation.
Product: Consumer Loan

I Purchased a NEW XXXX XXXX XXXX XXXX with a sunroof and Navigation. Not only do I have the recall for the XXXX XXXX XXXX with no remedy on my car I have XXXX other life threatening recalls with no remedy. When the other recalls were brought to our attention, I knew I was driving an unsafe car that may kill my family. Volkswagen has admitted to circumventing the emissions control system in the United States since XXXX. With their deceptive and fraudulent business practices Volkswagen knowingly sold me a car that was equipped with the illegal defected devices and locked me into a contract under false pretenses. They also deceptively sold me my New XXXX XXXX XXXX With Navigation and XXXX that I used for a down payment on the New XXXX XXXX. The XXXX XXXX also was affected by the recall for the XXXX XXXX XXXX. I put {$15000.00} down on the XXXX. In addition, Volkswagen carried out a cynical fraud on car-buying, by aggressively marketing the non-compliant diesel engines as the product of environmentally-friendly XXXX advanced technology, " XXXX XXXX ''. Volkswagen has admitted that they knew about the XXXX issue before I even bought my car. They have deceived my family and have put us all in danger with no remedy. 
I have contacted the Volkswagen Court Settlement hot line, Volkswagen Credit , & Volkswagen Customer Care. When calling no one was able to give me any kind of answer. Had no idea how what or when will anything ever be done for any of the recalls. The Volkswagen Court Settlement hot line was quick to tell me about the loan forgiveness program they have in place. When I asked them if it were a true " loan forgiveness '' why am I paying off the loan? VW gets my car, all the money I put into both my cars and a clear and free title & then I have nothing. Not one person knew what to say.
Product: Student loan

First, I was never told I was signing up for a private loan. All I did was fill out my fsfa form, and the dispertments came out. At no time was I notified that I was into a private loan, by the school nor navient ( XXXX XXXX ). Second, when I call them to work out a payment plan, which I only make XXXX a year, I am being asked to pay almost XXXX a month, which is crippling my ability to be a single dad, and provider. All I get is threats, and I try to explain that I dont bring in enough to pay the bill. they have even suggested myself get a second job to take care of student loans. This place is a grotesque place, and to the point of harassment. Ho w can I try to raise my son, and pay rent, and misc expenses with this company sucking the life out of me. They act like that they are doing me a favor, however others, through other companies, make about the same and pay way less, for private loans. I never choose to go to Navient, or XXXX XXXX, or even get to select the loan, I feel like this is the biggest scam ever. All I want is help. So please help me ...
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these Here is the item I am asking you to verify as accurate : Experian : [ XXXX XXXX ] [ [ XXXX ] XXXX : [ XXXX XXXX ] [ XXXX ] XXXX : [ XXXX ) [ XXXX ]
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Debt collection

sentry credit inc tried to collect cleaning fee on behalf of XXXX XXXX XXXX ranch without providing any evidence. 
I called them to sole the issue but they threatened me that I have to pay and evidence not needed since they trust apartment management. 

1. in state of Arizona : XXXX. XXXX, Subsection 14 of that section says : " '' Security '' means money or property given to assure payment or performance under a rental agreement. " Security '' does not include a reasonable charge for redecorating or cleaning. '' Then refer to XXXX. XXXX. Landlord can only withhold a security deposit for any damages caused to the property. XXXX ( D ) provides that the landlord must refund your security deposit within 14 days of the end of your tenancy together with an " itemized list of all deductions ''. If they fail to do so, you can sue for the return of the deposit plus 2x the deposit. 
Landlord refused to return my deposit within 14 days. 
Landlord used my deposit for the cleaning fee. 
2. What the landlord submitted as evidence is an outdated contract from XXXX. It does not provide any evidence for the cleaning fee. 
3. I moved in XX/XX/XXXX and lived there for 8 years. During that time I requested several times to clean or replace carpet and resurfacing the tub which the landlord refused. 
4. Your collection report affected my credit score negatively. You have absolutely no evidence from the landlord except the contract.
Product: Credit card or prepaid card

On XX/XX/2022, I submitted a charge dispute for {$340.00} from XXXX XXXX while traveling on the XXXX XXXX XXXX. In addition, a fraud alert was reported of this incident and the Citibank issue another credit card. The dispute was closed, because there was not enough evidence. On XX/XX/2022, I reopen the dispute and stating the security concern about my credit card, because some stores do not require a secret pin or signature. The chip feature on the card allows merchandisers to use a card without the owners consent. That is what happen while in XXXX, where I gave my card to open a tab and then paid cash. After two days, I noticed that I have that unauthorized charge to my credit card. The credit card company suggest to contact the establishment, but I was only in XXXX for a few days and no phone number was available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Product: Payday loan, title loan, or personal loan

LoanMe , Inc . 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX After viewing the website, I was called. 

I was offered a loan of {$75000.00} on or about XX/XX/2020. 

My intensions were to payoff the loan in 8 months. I didn't understand that I was being charge a loan origination fee of {$7500.00}. Plus an exorbitant interest charge of 79 %. No one would ever agree to such a loan. 

Four months of {$4900.00} have been automatically withdrawn from my checking account. When my Office Manager Reconciled and compared the withdrawals with the amortization scheduled she realized that all the money was applied to the Interest. At that point, she brought it to my attention. 
I have reached out to LoanMe, they told me that the Loan is the Loan that they couldn't do anything. I asked to speak with a manager. I have since had numerous conversations with the Manager of the Loans Department XXXX. 
She said she makes the final decision on Loans. She has no Supervisor. 

She keeps reiterating that all I can do is payoff the loan. That they will not reduce the balance by any portion of the Interest or Origination fee. The other option is to provide Bank Statements and offer a Settlement. The Settlement is not a guarantee and it will damage my  credit. 

After much effort, dismay and shock, I was left with no alternative but to payoff {$78000.00} today, XX/XX/2020, despite of any hardship that this will cause my company. Especially today in these trying circumstances. 

I made reference to the below Article California Interest Rate Law, that I found online, when I searched Exorbitant Interest. XXXX claims that it doesn't apply to our loan. 

It is hoped that you can assist me in re-cooperating some of the money that I was robbed of. Also that this company will investigated and be shut down. I can only imagine how many other individuals have been robbed. 


Sincerely California Interest Rate Laws Laws relating to interest rates in the State of California are dealt under various Statutes. According to Article XV ( Usury ) of the Constitution of the State of California, Section 1, the maximum rate of interest upon the loan or forbearance of any money, goods or things shall be seven percent per annum. At the same time, if parties agree upon in writing then the interest rate shall not exceed 10 percent per annum. As described in California Code, Uncodified Initiative Measures and Statutes 1919-1 Section 3, any person, company, association or corporation, who had paid any greater sum or value for any loan or forbearance than allowed under the law can recover treble the amount of the money so paid from any person, company, association or corporation who received such interest illegally. Under the same Section, any person who willfully  makes or negotiates for a loan of money, whereby s/he directly or indirectly charges interest for such loans in excess of that allowed by law, shall be punishable by imprisonment in the state prison for not more than five years or in the county jail for not more than one year.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and im writing this letter because i have noticed this problem on my credit report in XXXX XXXX i am writing to delete the following items in my file. The items i need to be deleted are listed below in the report. I was hoping you can delete the items thats listed below. I need to get my house loan as soon as possible. I am a victim of identity theft and i did not make the charge. i ask that the items be deleted to correct my credit report.I Reported my theft to the Federal Trade Commission and i also have copies of the federal trade commission identity theft affidavit. please delete the items as soon as possible.
Product: Mortgage

My home mortgage was transferred from XXXX mortgage to Specialized Loan Servicing. The following is a brand new complaint submitted to Consumer Financial Protection Bureau due to servicing violations and failures by Specialized Loan Servicing taking place between XX/XX/2020 to present. 

>In the process of transferring my loan, additional fees were applied to my account.by Specialized Loan Servicing, and were added to my minimum mortgage payment. I have questioned these fees with Specialized Loan Servicing customer service with no help. Within the past 10 months, I have been promised supervisor call back on 3 occasions, yet never received a call. Within the past 10 months, I submitted 4 qualified written requests under RESPA law. I did not receive a timely or compliant response. 

>Instead, Specialized Loan Servicing kept me in their auto dialer collection queue, even though I revoked consent on multiple occasions to the robo calls under the TCPA ( Telephone Consumer Protection Act ). 

>Specialized Loan Servicing responded to this by disabling my online account and my ability to pay my monthly mortgage payment online I was forced to call in payment, to which Specialized Loan Servicing representatives require {$12.00} processing fee be added to my monthly payment. Specialized Loan Servicing also recorded multiple late payments on my credit report that were not late. 

>I have responded to Specialized Loan Servicing 's failures and nonconcented robo dialer phone calls by filing RESPA ( Real Estate Settlement Procedures Act ), TCPA ( Telephone Consumer Protection Act ), and FDCPA ( Michigan Fair Debt Collections Practices Act ) lawsuits in my state of Michigan >Anyone that has experienced this behavior from Specialized Loan Servicing should contact a local consumer rights attorney. The Telephone Consumer Protection Act alone awards victims amounts between {$500.00} and {$1500.00} per violating phone call, in addition to the other reliefs awarded under RESPA and MFDCPA
Product: Credit card or prepaid card

XX/XX/XXXX I called Chase Credit card service to speak in regards to my interest rate and also to schedule a payment I was transferred to a department that claimed that I requested to close my account which I never did. 

XX/XX/XXXX, I got a notice stating that my credit card was closed I called Chase to further discuss why was my account closed. Chase claims per my request, I was put on a Payment Plan Program. Which I was never aware of. They claim that because I missed XXXX $ XXXX  monthly payment. That it was assume that I couldnt not keep up with making payments. They claim that per the call I made XXXX XX/XX/XXXX, they closed my credit card account. I request for XX/XX/XXXX call to be reheard ( go back into the call between representative and I ). An investigation as to why my Credit Card account was closed then started. XX/XX/XXXX Chase sent an email stating payment of {$500.00} is required to keep account open or else XX/XX/XXXX account will be closed ( - Attached email ) XX/XX/XXXX, I got a call from a Chase manager stating that conversation between rep and I was heard. That I, XXXX XXXX requested to be part of a payment program ( NOT TRUE ). Chase claimed that per that conversation, the account will remain closed and there was nothing they could do. That I would have to continue making payments on card ending in XXXX of {$150.00} for 5 years till account is paid off ( Base on Low Income Program ) XX/XX/XXXX, I called to make a payment over the phone because, Card ending in XXXX was deleted from my online Chase account. Couldnt make payment online, so I called. Chase representative stated theres no such account XXXX account was closed so therefore Representative could not take my payment. 

XX/XX/XXXX, I got an email from chase stating to make payment on account XXXX of {$730.00} in order to keep my account open or else account will be closed XX/XX/XXXX ( - attached email ) XX/XX/XXXX, a Chase Manger ( XXXX ) called to state that the received my cease and desist letter of no communication request however he was calling to let me know that XX/XX/XXXX conversation Between representative and I could not be heard, but they still determine that I did request for my account XXXX to be closed. Representative stated that if I would like to keep account to make payment, which I did ( attached is receipt ) of {$500.00}. 

XX/XX/XXXX, Chase manager XXXX, called to confirm that although I never requested for account to be closed, that it will remain closed. That I will have to continue making payment of $ XXXX monthly. I can not use card & they also wont report to turn Credit Beau. Thats because account is closed, it can not be reopened even though I made payment of {$500.00}. Chase also sent bill stating that payment of $ XXXX  monthly needs to be made if not I will owe over {$20000.00} Overall, per consumer law, this is unprofessional practice and also confusing. Chase did not consider my {$500.00} payments that Ive been making on account and also did not consider the years Ive been with them nor did they considered that while unemployed I was still making {$500.00} payments to them.
Product: Debt collection

I got a voicemail from stating that " this is XXXX XXXX calling to schedule delivery of a legally required notice we received today call is to get 48 brief notification in regards to scheduling that way if you're working or do have anything going on you can reschedule to make sure you are home to sign for your paperwork and I will do as well reach of contact to the sender 's office where it is coming form that way if you do have any questions or concerns prior to anybody getting out to the home or any discrepancies with the timeframe set forth have to contact them to see if there's any options for rescheduling to be submitted at this time otherwise your going to have to make yourself available and all that number supported on the packet is XXXX this is gon na be your first notification. '' I called this number and was transferred to someone. While on the phone with him he told me that I was responsible for a debt. He sent me an email with an " invoice '' of the amount owed. He asked for me to make an arrangement and I told him that I was unable to do that until XX/XX/XXXX due to XXXX XXXX not being paid and a mistake with my paycheck. He then stated that they would require XXXX/month for 6 months to rectify this debt. When I said I could not do anything like that, he stated what can I do. I told him right now I can give him XXXX/mo until XXXX, he said that he had to inform me that I need to stop by my XXXX  on Monday because they will be sending information to them unless I can come up with something that would work. I said so {$25.00} wont work for right now, he said no and we have you on a recorded line so you can't tell a judge that we did not inform you of this.
Product: Student loan

I have attempted numerous times over the course of my student loans to discuss with XXXX/Navient an affordable payment plan. The first few times I was quickly suggested into 'deferment, ' and told I would receive paperwork for an income-based repayment plan, which was never received. Each call resulted in the same discussion ... my payments were based on my GROSS income, not factoring in any cost of living expenses. The payments were unaffordable. I even remarked at how they would rather receive nothing from me instead of making accommodations that at least allow me to pay SOMETHING monthly. Out of sheer frustration I just quit dealing with the customer service, as I was told something different every time I called, with no flexibility whatsoever when it came to payment plans. I finally worked with someone at a financial institution who called on my behalf, and was then told my only option for lowering payments was consolidation. At this point, my accumulated interest has nearly doubled my loans, and consolidation is difficult due to the hit this has taken on my credit score. I am working with a financial institution to hopefully consolidate and obtain a payment plan that I can afford while still affording the cost of basic living. I am beyond frustrated and stressed at how these loans have affected my financial health and ability to maintain a decent credit score. When I call Navient now, I am in default and have to make an exorbitant payment to catch up, which also is not feasible. The inflexibility of this company and customer service is beyond reprehensible, especially given the impact these loans have on someone 's credit score, financial state, and overall life affordability. It is n't that I do not want to pay, I WANT TO PAY ... but simply can not at the price they suggest I can. I have made it more than clear to Navient my willingness to pay, and they have made it frustrating and difficult .... actually impossible, to do so. I am nervous they will cause difficulties with my consolidation due to the status of my loans, which would create an even worse situation for me financially, as consolidation actually provides an affordable payment option for me.