23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have had better luck going through you to get a response out of Navient than getting ahold of them directly.

I've been trying for over a year to get back into an income based repayment plan. I was on one with XXXX  before Navient bought them out. Then I submitted everything and somehow my accounted ended up in forbarance. I can't recall why. So earlier this year, I went to submit the application again, with my XXXX and was told that it was too early to apply for IBR. however, I wasn't in IBR, I was in forebarance. I had not been in IBR since the previous year (I may have requested forebarance because I had changed jobs and taken a substantial pay cut), anyway, now I am trying to get the status of my application and I am getting NO response. I use the email XXXX because I just do not have the bandwidth to be calling and calling and calling. You can't use their on line system because I can't just respond to an email. I have to log in and half the time my password doesn't work, so I have to reset it. Its such a convoluted mess. I was having very good luck dealing with the advocates vs the customer service, but now I find I am getting no response with either.

I submitted an application and after 3 retries because either I checked a box wrong or they didn't accept the documentation I'd submitted as proof of payment (which, by the way neither the emails or the letters in the mail tell you exactly what is missing or incorrect. you have to call. then you sit on the phone. then you wait for someone who knows what is going on. This game is exhausting.

I got a late notice in the mail, however, I never got a bill and I've never had a response to my IBR application. 

I want them, AGAIN< to waive all the interest accrued during this maddening process. I want an affordable repayment plan. Or I want the option to have a different lender handle my loans. Someone who actually does what they're supposed to do, like XXXX who I had previously.
Product: Vehicle loan or lease

I opened a car loan approximately 16 months ago. I established an on line account to make payments with my existing checking account. Since that time they have used various soft methods to coerce me into either transferring my checking account to them, or to enroll in autopay, neither of which I am willing to do. These methods include 1 ) Not recognizing my login name requiring me to create a new login name through their customer service phone line 2 ) Not recognizing my password requiring me to create a new password through their customer service phone line 3 ) Not recognizing my previous checking account information requiring me to resubmit the information which requires a process of test deposits and my re-entry of the amounts of said test deposits which can take up to 3 days and could register my payment as being late. 4 ) not allowing me to complete my payment transaction without searching for and declining the autopay option. Each time I have called their customer service line, the customer service agent has been " helpful '' but has suggested strongly the autopay option or to transfer my checking account to Wells Fargo so that the checking account information could not be " lost ''. I have also been asked to make a payment over the phone to resolve the issue which I will not do as I want a digital trail to ensure my payment is not accepted and subsequently " lost '' the way my information has been. I believe these are coercive tactics that are not in my best interest and need to be investigated as I am sure this is a fairly common issue with Wells Fargo Bank
Product: Mortgage

Hello, I applied for a mortgage refinance with Wells Fargo Home mortgage. I currently have a home loan which I have been paying in full for the past 15 years at 5.875 %. 

I applied XX/XX/XXXX for a mortgage refinance. My FICO score is about 800. 

Wells Fargo said they are targeting refinance close XX/XX/XXXX. I submitted extra paperwork as requested and I just called today XX/XX/XXXX and they said my request for refinance was denied. 

The reason was because of my submitted tax returns of last year which showed a loss. Considering the COVID situation, my business did indeed suffer a loss, but I have enough cash reserves to continue to pay my mortgage payments. I continued to pay my mortgage payments with no issue. 

Basically I am responsible and I save my money, so I was able to continue mortgage payments. By refinancing I would save over {$400.00} per month on my payments, so would make my mortgage even more affordable. 

Wells Fargo is quite greedy in they want me to continue to pay higher monthly payments. 

I wish to file a complaint against Wells Fargo. 

Thanks, XXXX
Product: Debt collection

On XX/XX/XXXX XXXX XXXX  I received a notice from XXXX saying I owe a Medical debt of {$1100.00} from a XXXX XXXX visit from XXXX I advised the company I had insurance during the time of the visit and still have the same insurance currently.. The company told me it's been too long to accept my insurance.. I noted this was done in error on behalf of the hospital because I provided insurance information during the visit.The company refused to refile this collection.. Kansas Counselor is the collection agency who reported to XXXX  on behalf of XXXX XXXX XXXX XXXX in the State of Kansas... I receive XXXX and XXXX since XXXX to current.. This issue should have never taken place.
Product: Credit reporting, credit repair services, or other personal consumer reports

late payment reported for XXXX account number XXXX in XX/XX/XXXX for 90 days late is inaccurate. I was not 90 days late. ( current for XXXX, XXXX and XX/XX/XXXX ). 

late payment reported for XXXX account number XXXX in XX/XX/XXXX for 90 days late is inaccurate. I was not 90 days late. ( current for XXXX, XXXX and XX/XX/XXXX ). 

late payment reported for XXXX accounts XXXX in XX/XX/XXXX for 90 days late is inaccurate. I was not 90 days late. current for XX/XX/XXXX, XXXX and XX/XX/XXXX. 

Experian, XXXX and XXXX have a duty to do what is fair and equitable to me and delete the inaccurate late payments reported.
Product: Mortgage

I have been in the refinance process with Lakeview Loans and XXXX XXXX XXXX since XXXX of 2021. They chased me for months to refinance. I finally responded to the incessant hounding and began the process. Almost 6 month later, I have not even come close to closing. XXXX XXXX XXXX has had my file in some form of review or underwriting but barely communicates with me on it. I have to chase and escalate, only for them to come back and ask for things I have already provided or for more information after having been told previously they have everything they need. I provide everything back quickly and then do not hear from the again and have to chase and chase. This has been months. I have great credit score. I shut down my HELOC for them so we didn't need to go to subordination. I have over plenty of assets and my condo has been evaluated at well above the refinance amount. I have given them everything they need time and again. This is now a situation where I have been held financially XXXX for months and am unable to make any other financial moves in case it may affect my credit. They are unwilling to answer and questions and after months just reassigned my loan without and information. XXXX XXXX and her boss XXXX XXXXXXXX are not responding at all to my questions. The only person who has been decent through this is XXXX XXXX. At this point, I am starting to wonder if this is taking so long and I am under so much scrutiny because I am a single mother. Would it take this long for a married couple or a man? I have been assured by everyone I know that their refinances did not take even half this time and yet I can't seem to move forward at all on mine. This company is not working for the customers at all and are causing me financial hardship.
Product: Debt collection

I recently got a new phone number ( XXXX XXXX XXXX ), and since then I started to get at last 3-4 calls from ( XXXX ) XXXX XXXX Wells Fargo 's Online Customer Service every day. It seems that they are trying to collect a debt from the previous phone number owner. I called them today to explain that I never had any banking account and/or credit card with them, and I recently ( 2 weeks ago ) got this number. I asked them to stop calling and harassing me, but the problem seems to persist.
Product: Debt collection

Chapman Financial services has been attempting to collect on a medical bill with discrepancies from the originator. I have requested for Chapman Financial services to provide us detailed Summary of services statement and a final invoice amount that was sent to collections. I have requested this in writing XXXX times. I sent letters of dispute. Chapman Financial services has not acknowledged our Letter of dispute and request for documentation. 

Additionally, Chapman Financial Services continues to contact my husband 's employer, despite written demand on XX/XX/2023, to not contact his employer. The company continues the unwanted contact of his employer.
Product: Debt collection

Beginning on XX/XX/XXXX, I received a letter from the Army & Air Force Exchange claiming I owed a past due payment I was never aware of in the amount of {$220.00} with a late fee included of {$25.00}. The Army & Air Force exchange also claimed and threatened that they could proceed with the Treasury Offset program and/or other collection action if I did not abide by their Voluntary Repayment Agreement. They never stopped sending statements and making claims of putting the account to the Treasury Offset Program, as well as increasing the APY they had set at 1 % and increased to 7 %. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX ( XXXX ), this letter claimed that I initially owed {$200.00} on XXXX XXXX, but they added on : an interest fee of {$1.00}, a fee of {$68.00} and totaled to {$270.00}. The letter that XXXX did not coincide with the statements that Army & Air Force Exchange had been sending. On XXXX XXXX XXXX, a full payment of {$240.00} was made from the Internal Revenue Service ( IRS ) to Army & Air Force Exchange through the Treasury Offset program. However, the Army and Air Force exchange and XXXX has not stopped sending letters with the wrong amounts they claim I owed. On XX/XX/XXXX, the exchange sent a statement claiming it still owed {$220.00} and of course they have received a larger amount from the Treasury Offset Program. To make matters worse, the exchange has not been in contact with XXXX to update them that the account has been paid. On XX/XX/XXXX, XXXX sent a letter making false claims that the amount owed has not been paid off. XXXX has also stated that they have been contracted by the Exchange to initiate an Administrative Wage Garnishment as a threat for not having paid this threat even though it has been paid. 
The Army and Air Force exchange has failed to update this account and XXXX that it has been paid off by the method of Treasury Offset program. The Army and Air Force exchange has also failed to send a statement stating that this account has been paid off and has taken more money than what was owed. Furthermore, the Army and Air Force exchange has failed to stop all notifications even though this debt was submitted to the Treasury Offset program and has continuously been a nuisance along XXXX. It was stated in their letter sent on XX/XX/XXXX, that no notice will be given before I am offset, but that is not the case because the Exchange has contracted XXXX to continue sending letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed credit inquiries that I did not authorize made by the following companies below. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of privacy rights. These are fraudulent inquiries that I did not authorize. They information have not been validated with the companies nor have i been provided with copies of any documentation associated with these accounts listed below bearing my signature, I formally request once again that these fraudulent inquiries be immediately deleted from the credit file maintained under my Social Security number. I am making this final attempt to allow these Credit Agencies to correct the erroneous reporting, and I have maintaining a careful and complete record of my communications with the Credit Agencies. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. GM Financial violated 15 usc 1692b. ( 5 ), 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Product: Credit reporting

I am current member of XXXX, XX/XX/XXXX I received an alert stating I have a new credit inquiry. Since, I am currently in the process of pre-qualifying for a home, I was very curious to see why there was an inquiry on my report. The name of the company is Clarity Services, there is currently an inquiry from them on my report. I distinctly remember the day before I unsubscribed from a least XXXX places in my email that were asking me to finalize payday loans. I attempted to contact Clarity Services on more than one occasion, each time I was on hold to speak with a representative for at least 30-45 minutes. I want the company to provide me with proof that I authorized them to access my credit report.
Product: Mortgage

We went through years of trying to get them to give us a modification. They would never do it. Now they sent us a letter saying they made a mistake and sent us a check for {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've been for the past 60 days informing Equifax that I did NOT give them written consent to place the derogatory items on my reports and they've yet complied to me informing them to remove the accounts from my credit reports
Product: Credit reporting or other personal consumer reports

In addition to the following information XXXX is in violation of 15 U.S. Code 1692g - Validation of debts ; I sent a dispute more than 30 days ago and according to federal law they must remove the disputed information for not providing me with documentation to prove the validity of the alleged information. I kept record to prove they received my complaint - Tracking Number # XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Subject : Demand for Immediate Removal of Charge Off and Violation of 15 USC 1611 Dear Sir/Madam, I am writing to dispute information in my credit report that I believe resulted from identity theft, as per my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2. 
The following information is not related to any transaction or activity performed by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that these items be blocked from my credit report in accordance with my rights under the aforementioned law. 
Attached to this letter are copies of the following documents : 1. Proof of my identity [ describe the document you're using as proof of identity, such as a driver 's license or passport ] 2. A copy of the identity theft report, ( I have a Federal Trade Commission Identity Theft Report and a police report ) 3. A statement explicitly declaring that the disputed information does not relate to any transaction or activity performed by me. 
I respectfully request that you act promptly on this matter, as the law requires you to block the reporting of this information no later than four business days after the receipt of these documents.
Product: Credit card

I made a purchase with my Discover card for a purchase at XXXX XXXX and never received the purchase through the shipper. I immediately contacted Discover and advised that I had not received the purchase and was issued a temporary credit for the amount in question. Discover never requested any information or explanation of details regarding the missing packages. I then noticed that the amount temporarily credited to my account was put back on my account prior to proper notice and ability to further dispute pushing my account at the account limit. I contacted Discover today to be told they could not dispute theft. This is not in the terms of agreement and again no details were asked from prior to denying my disputed claim. I made a police report, however, they never received it because I was unaware of any additional information being needed. This is not upholding their terms of their credit card agreement to protect their consumers in the event of an issue. Also, not properly notifying prior to placing this charge back on my account has placed me in a very difficult financial position without any consideration to my finances or credit. Discover siting that the retailer gave proof of shipment therefore the case was closed, without listening to their actual customer or asking for information from the customer and only leaning on the information of the retailer. Discover did not do a thorough investigation because the agent told me to try to make a claim through the shipper when this is what Discover should have done for the purchase amount.
Product: Credit reporting

Several years ago, I went to purchase a car. When the finance department tried to pull my credit from Equifax , they told me that I " had no credit. '' Upon further investigation, Equifax discovered that the last number of my Social Security ( SSN ) number was off by one digit. I sent the requested information to Equifax to have my SSN corrected and thought the problem had been resolved. I went to purchase another car recently and encountered the exact same issue with Equifax. I researched and found out that although my SSN had been corrected, my birth date was incorrect. Using the information I had sent them previously, they were able to confirm and update my birthdate. At this point, all my information should be correct. The problem is that Equifax informed me that they will not add any past credit information onto my file even though I 've had credit and a score for several years based upon XXXX and XXXX XXXX credit reports. I asked to speak to a supervisor who also informed me that there was nothing they could do to add my past credit history and that I would technically " have to start over '' with Equifax ( even though it was not my error ). I attempted to obtain the name of the supervisor I spoke with ; however, they were unable to provide me with that information. I also went to see a financial counselor at my base and she was not able to retrieve my Equifax report either.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue I have encountered with XXXX, regarding my student loan account XXXX. Despite my attempts to resolve this matter directly with XXXX, I have not received a satisfactory response, and I am seeking your assistance in addressing this matter. 

On XXXX2024, I submitted a formal request to XXXX  for validation of debt pertaining to my student loan account. However, to date, I have not received any acknowledgment or response to my request. Instead, I have noticed that XXXX unilaterally increased my interest rate without providing any explanation or prior correspondence regarding such a change. 

Furthermore, I was alarmed to discover that the agreed-upon forbearance date was unexpectedly moved up without any prior notification or explanation from XXXX. This unilateral action has caused significant inconvenience and financial strain for me. 

As a conscientious borrower, I believe it is my right to receive transparent and timely communication from my loan servicer regarding any changes or updates to my account. However, the lack of response to my validation of debt request, coupled with the arbitrary changes to my loan terms, has left me feeling frustrated and unsupported. 

Under the FDCPA, if a consumer requests validation of a debt within XXXX  days of being initially contacted by a debt collector, the debt collector must cease collection activities until they have provided verification of the debt. Additionally, if the debt collector fails to provide validation of the debt, they are prohibited from continuing collection efforts, and they must cease reporting the debt to credit reporting agencies. This requirement is outlined in section 809 of the FDCPA.

I kindly request your intervention in this matter to ensure that XXXX  provides a prompt and satisfactory
response to my validation of debt request, as well as a clear explanation for the sudden changes to my interest rate and forbearance date. Additionally, I would appreciate your assistance in ensuring that XXXX adheres to fair and transparent lending practices in their dealings with borrowers.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE ACCOUNT IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, ACCOUNT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent accounts were open in my name without my consent or knowledge. I have filed a police report and filed a complaint of identity theft. For following accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

This bottom feeder company which purchases alleged debts for pennies on the dollar, sent me XXXX letters dated XX/XX/2022 for an alleged debt to XXXX. Regardless, the alleged debts are well past any Statute of Limitations for legal action and credit reporting. Upon receipt of this notice, immediately cease and desist all communication tactics. Further, you do not have my permission to forward this to any of your " other friends in the business ''. The letters were sent under the following reference numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.