23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loan provider is Navient. Surprise, everybody hates them and complains about them. 

My father ( co-signer ) and myself talk to them this time every year about renewing my repayment plan for the year. As of early last year my mother was diagnosed with XXXX, we had more medical bills coming in, we both had to work less and SOMEHOW navient INCREASED our monthly payment to {$440.00} and it used to be around {$420.00}. My dad 's salary did not even increase that year. They were not sensitive to the matter at all and did not do a thing. Just said this is the best we can do and we cant lower it anymore. And of course they pulled the " oh well let me talk to my supervisor and ill see what we can do. '' No, they never help. They just make you wait longer to hear the same amount they gave you before. This year I am currently unemployed to help my parents around the house and take care of my mother. My dad is beginning to wear out and can not work as much. 

Please help. I read all of the complaints and allegations against navient. I whole heartedly agree. They don't care about the status of your life or income. I think an IDR plan is just a bunch of XXXX. Because there is no way my payments should be {$440.00} even if my dad makes a decent amount of money. 

I've gotten firm with them. I've explained our situations and lack of income. They don't care. Worst private loan providers ever.
Product: Mortgage

I started to apply for a refinance with Key Mortgage Services, inc. they ran my credit report, and afterwards they said, I could qualify for this loan. The reason I wanted to take out the refinance, is to make my 30 year mortgage to a 20 year. The loan officer told me that they want to check on the {$7500.00} dollars that was given to me from the government, when I closed on my condominium, the 1st time 2 years ago that I bought it. The loan officer XXXX XXXX, asked me to find my Hud 1, I could n't find it at the time, however I found my good faith estimate. I told her that it was on the estimate. So then she still could not find out. I had before all of this came about, given her {$450.00} for the credit report and appraisal fee. I found out that the payment from her would over extend me. I told her to cancel the appraisal. She then told me that I can not get the money back, because I signed a credit card statement, which said non refundable. I never noticed that because I have been working a lot of hours, and was doing this from work. All this company called Key Mortgage Services XXXX XXXX XXXX. XXXX XXXX XXXX, il. XXXX. Did nothing for me but just kept my money and I was told even thou the appraisal was not done, they would not give this money back to me. I should not be charged for a service that was not rendered. No appraisal was done. She said she emailed her supervisor, and they said I could not get this money back. I have filed a claim with my credit card company XXXX XXXX XXXX. I am a single mom, and know this is wrong to collect on a service appraisal that never happened. After all of this, I yelped them, and noticed many situations that the same thing happened to other people. Please help me get my money back. This is horrible customer service, she as a loan officer should have disclosed important things. I told her that this is so unprofessional, and stealing from people. I really appreciate your investigation in this matter. Feel free to XXXX them. The only reason, I did not XXXX them in the beginning, is because a friend of mine recommended me to the company. My friend also lost her money, however after the appraisal, they told her that she also got the government assistance of {$7500.00}. Please keep me informed, they are money hungry out for themselves. 

Thank you. 

My email addess is XXXXXXXXXXXX My phone number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a mortgage loan today ( XX/XX/21 ) from several banks. I found out from one of the bank that it was due to credit scores that it had obtained, more specifically from TransUnion because it was the middle score among the 3 scores : XXXX from TransUnion, XXXX from XXXX, XXXX from XXXX. The score range was XXXX to XXXX. 

The credit scores I obtained from the websites of the 3 credit reporting agencies, just hours before applying for the mortgage loan and before the bank " pulling '' my credit, were XXXX from TransUnion ( XXXX according to the bank ), XXXX from XXXX  ( XXXX according to the bank ), XXXX from XXXX ( XXXX according to the bank ). The XXXX, on their website, displayedXX/XX/2021 credit score whereas others indicated their score were as of XX/XX/2021.
Product: Credit reporting or other personal consumer reports

These accounts for student loans were charged off and then taken repayment from tax return accounts were charged off I had to report and tax intercept to repay they should not be on account
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There are fraudulent accounts by XXXX XXXX XXXX - ( PARTIAL ACCOUNT NO : XXXX .... ), XXXX XXXX XXXX XXXX ( PARTIAL ACCOUNT NO : XXXX ) and XXXX XXXX / XXXX ( PARTIAL ACCOUNT NO : XXXX .... ) were opened under my name without my knowledge and I am asking to block and delete these fraudulent accounts because I have no knowledge about these accounts. They are fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was solicited for a credit card by Best Egg, issued by XXXX XXXX XXXX XXXX in XXXX SD. I called their information number on XX/XX/XXXX to ask if this was a soft pull because I didn't want a card with a low credit line. I was assured by the rep that it was a soft pull until/unless I accepted the card. I asked him to make certain and he again assured me that it was a soft pull. After going to their website and applying, the amount of credit offered was too low and I fid not accept the offer. Within 5 minutes, I was notified by all 3 credit bureaus that there was a hard pull from these grifters. I again called to speak to a supervisor to reiterate that I didn't want the card and they needed to remove the hard pull from all 3 credit bureaus. She hung up the phone when I said I was recording the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX # # #, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 an account without my written instructions.
Product: Debt collection

I certified mailed out a verification letter, affidavit of truth signed by the notary and myself. An invoice for all the fraud violation Wells Fargo sent me on XX/XX/XXXX. In the letter I asked them to not collect my car, return title lien free, delete all my info regarding the car off my credit report immediately and pay the invoice. They said that they didnt receive it til XX/XX/XXXX. I gave them 30 days to respond they sent me a response on XX/XX/XXXX with a letter that was back dated XX/XX/XXXX and a letter dated XX/XX/XXXX in the same envelope not sent certified mail so they cant prove when I received it. I waited til XX/XX/XXXX for them to send me what I asked plus a check of the invoice i asked for. Today i wake up and see my car is gone.
Product: Money transfer, virtual currency, or money service

I sold my home on XX/XX/2018. My wife inadvertently provided her personal credit card for the wire transfer, and approximately {$330000.00} was transferred to that account. We immediately contacted Bank of America to begin transferring those funds to our personal checking account, and we were told the process would take 2-7 business days because of " the large amount '' of the funds and because we needed a check for money laundering. 

We called back after 7 business days had passed and were told that it was actually going to be up to 12-17 business days. After asking whether Bank of America had performed all the checks they needed to perform already, we were told that yes, they had been. I explained that I was confused why in that case my money was being held hostage by the bank without interest, which seemed to be a violation of federal bank regulations. I was not given a reasonable response to why the funds were being held ; both the associate with whom I was speaking and her supervisor appeared sympathetic, similarly confused, but unable to help. 

At this point it appears to me that the bank is holding a significant amount of my cash hostage without reason other than profiting from the interest on it without any compensation to me. While this is a few hundred dollars of interest lost to me, across many this could add up to a substantial sum. I believe this is worth probing further.
Product: Debt collection

I was forced to consider XXXX XXXX against XXXX XXXX while in California charged over {$3000.00} of merchandise home accomadations. Relocated with no employment paid mthly as well charges, but missed one and was eventulally sent to XXXX XXXX in Louisiana Attorney, now Stephen Bruce and Associates I did over a period of years pay {$3000.00} they want {$13000.00} + dollars although and recently lettered me today a address change was acknowledged to them but today lettered about a year ago. I will not be harrassed and overcharged. I have numerous of accounts mailed that are not mine recent I have no income to make charges and they or over thousands of dollars records of misconduct or submitted for over 1 and 1/2 years I have no electiricity or water and notes are paid in full even over with electricity after extension with Customer Service Rep to remove plan of {$200.00} a month I even paid {$220.00} anyway she said the amount of usage was {$160.00} for the month I had never missed a payment my sister and myself. Paid alone after she left. Mortgage was paid every month of my sister and myself my cousin accross the street and her mother one day came over to say I complained of paying I have not said anything and why since my aunt whom I live with gave the home properties to us to pay against her paying anything out of pocket we agreed a whole confusion I have no knowledge of started and they are not pemitted to visit with my sister living with them against her will having responsiblities for me to I guess make on my own and I have with my son in California before here married with limited assistance working to school him and financially support us. Would you please advise of Fair Act or something.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C. 1681 section 602 A. States 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

JUST GOT AN EMAIL SAY THEY FINISHED A DISPUTE ( LATE BACK IN XXXX ) HAVE UNTIL XXXX TO DOWNLOAD IT ; CAN NOT DOWNLOAD THE DISPUTE # XXXX AROUND AND AROUND THE SITE TAKE 'S ME AND NOTHING! 
THIS IS A JOKE BUT I AM NOT LAUGHING! 

PLEASE ADVISE
Product: Student loan

Allied Interstate LLC continues to relentlessly call and harass me and my friends with verbal violence and abusive treatments. This includes manipulation attempts to garner private, secure information about our identity, but at the same time refusing to properly identify themselves and who they are. In addition, they allege unauthorized student loan amounts owed to them that seem to change with each subsequent phone call. 
In addition, despite us having told them that they have the wrong number and despite having requested for this company to cease their calling and harrassment, Allied Interstate LLC refused to stop. In addition, the callers make up lies and attempt to gaslight unsuspecting individual consumers into giving out their credit card information over the phone, without really knowing who this company is. This company has already been in trouble with the Federal Trace Commission and has been involved in a XXXX $ XXXX lawsuit with the FTC. So there 's that.
Product: Debt collection

The debt collector failed to notify me about the debt before reporting it to the credit bureaus. I was absolutely unaware of the debt and option to dispute it. I only learned about it because my credit score has dramatically reduced. 
Additionally, the debt collector does not have the information to verify that the debt belongs to me and has failed to provide the information even though I have asked numerous times in writing. The debt is not mine, and this company is employing deeply unlawful practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 instructions
Product: Credit card or prepaid card

I have talked to Capital One three times. Each time I've been told that the problem is resolved and I should be getting a credit for {$650.00} for a return that they didn't apply correctly. They actually made the credit in XXXX or XXXX of this year and I thought that settled the matter. THen in XXXX, I get the amount debited to my account out of the blue. I call Capital One and they assure me it's an error and they're fixing it as we speak. Today I get another bill for the same amount. 

I'm at the end of my rope with these incompetents. I want to cancel the account but I can't as long as there is a balance due. I should have a XXXX balance.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA these unverified & unauthorized items must be removed they are impacting my credit negatively all while being unauthorized and verified and have no permissable purpose. I was also involved in the XXXX XXXX XXXX.
Product: Debt collection

I keep asking for them to remove my # i am not the person they are looking even tried asking what the call was for can not get an answer i know whom they are looking for but without them giving me any information i will give any contact info so i asked for them to stop calling me and i just get hung up i called back and they hang up on me also
Product: Credit card

I have a Macy 's credit card. 
Back in XXXX, I had called their agents to set up the automatic payment. I was told that my request has been taken care of. But later in XXXX, I received a non payment notice. Upon receival of the notice, I contacted the bank for more information and learnt that there is no auto payment set up on my account. They were happy to remove the late fee but are not ready to correct my credit bureau reporting. I reached them out repeatedly through various channels but they are not accepting my request. As a consumer, I do not have any documentation of the call and detail of what was discussed in the call, but I was informed on XXXX that if a payment is made after auto pay setup, auto pay set up gets cancelled, ( I was not informed about this back in XXXX ). 
I have also not received any statement after XX/XX/XXXXXX/XX/XXXX which might have told me about the amount I owe and is not paid. Macy 's also did not send any such alert as well that would have helped me as a reminder of a non payment or auto pay getting cancelled/non setup. 

I have no way to prove that I have requested any such service because this issue never happened with any other banks that have auto payment set up option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car loan in XXXX, or XXXX from XXXX XXXX XXXX and the car was repossessed in XXXX But every year or month they put it on my credit as a new loan. It has been over a timeframe to come off of my credit. Which it is XXXX and it is still stopping me from getting a vehicle.
Product: Debt collection

I receive these phone calls for an account of XXXX. Have received for several years using my cell phone number, which I have owned for 20 years. I have asked repeatedly for them to delete and to notify the debtor that the number does not belong to this party. I am told that the number has been deleted but constantly get phone calls. I took the action to the Attorney General 's office in MO from an agency in MO. The agency admitted that they had contacted me several times. The calls have stop there. However, I keep getting these calls from a particular company out of TX and have for years. I have been assured many times that the number has been deleted. Today, I received another. It is time for this harassment to stop and never call again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name: XXXX XXXX XXXX XXXX   Account #XXXX, has violated my rights. 
Account name: XXXX XXXX XXXX XXXXXXXX  Account # XXXX, has violated my rights
Account name: XXXX  XXXX  XXXX    Account # XXXX, has violated my rights
Account name: XXXX XXXX  XXXX    Account# XXXX, has violated my rights
Account name: XXXX XXXX  XXXX     Account#  XXXX, Has violated my rights
Account name:XXXX XXXX XXXX  Account# XXXX, has violated my rights
Account name:XXXX  Account# XXXX, has violated my rights
Account name:XXXX XXXX XXXX  Account#XXXX, has violated my rights
Account XXXX  XXXX  XXXX  Account#XXXX, has violated my rights
XXXX  XXXX  XXXX   Account#XXXX,has violated my rights

XXXX XXXX XXXX. Account#XXXX,has violated my rights   

XXXX  XXXX  XXXX  Account#XXXX,has violated my rights

XXXX  XXXX XXXX Account#XXXX,has violated my rights

XXXX XXXX XXXX  Account#XXXX,has violated my rights

XXXX  XXXX  XXXX  Account#XXXX,has violated my rights

poXXXX XXXX XXXX Account#XXXX,has violated my rights


XXXX XXXX XXXX  XXXX  Account#XXXX,has violated my rights


XXXX XXXX XXXX Account#XXXX,has violated my rights


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

15 U.S.C 1681 Section 604 A Section XXXX: It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

On XX/XX/2017 Wells Fargo lowered my credit limit from {$14000.00} to {$750.00} on account ending in XXXX. This 95 % reduction came as complete surprise to me. I suppose that unless this bank is charge 25 % on a balance that don't want to extend available credit. They passed me from one department to the other. No help. After numerous attempts to solve this with the bank, they proceeded to close my account. I can't help but think that this was discriminatory because of my previous inquiries. NO ETHICS! Shame on you Wells Fargo!
Product: Credit reporting or other personal consumer reports

I have unfortunately become a victim of identity theft. In XX/XX/XXXX, I uncovered several accounts opened in my name without my knowledge or consent. Despite my efforts to dispute these fraudulent accounts with the Consumer Agencies, the issue remained unresolved, leading me to file an Identity Theft Police Report in XX/XX/XXXX. Through diligent follow-up, I successfully removed most of the fraudulent accounts. However, TransUnion still lists the following accounts on my Consumer Report XXXX XXXX XXXX XXXX XXXX XXXX. I would like to bring to your attention that TransUnion is currently in violation of multiple provisions under the Fair Credit Reporting Act, including but not limited to : *Failure to Correct or Delete Inaccurate, Incomplete, or Unverifiable Information ( 15 U.S.C . 1681i ( a ) ( 5 ) ) *Permissible Purpose ( 15 USC 1681b ( 2 ) ) *Block of Information Resulting from Identity Theft ( 15 USC 1681c-2 ) *Civil Liability for Willful Noncompliance ( 15 USC 1681n ) *Failure to Maintain Reasonable Procedures to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) *Failure to Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) *Civil Liability for Negligent Noncompliance ( 15 USC 1681o ) I demand that you immediately initiate an investigation into my dispute and delete this erroneous information within four business days of receiving this notice, as required by the Fair Credit Reporting Act under 15 USC 1681c-2. Your failure to comply with this request will leave me with no alternative but to pursue legal action to protect my credit rating and personal interests. Keep in mind that each violation of the FCRA is subject to damages of up to {$1000.00} should this matter escalate to court. 
This situation has not only caused me immense emotional distress but has also severely affected my mental well-being. As a result, I am left with no choice but to escalate this issue and insist upon a swift and equitable resolution.
Product: Mortgage

I have mortgage from Bank of America for my home. I purchased home ( in XX/XX/XXXX ) of {$200000.00}. I took mortgage of {$180000.00} ( 11 % ). Thus, I have PMI insurance on mortgage. My current principal balance on mortgage is {$150000.00} which is 74.6 % LTV ratio. When I called Bofa for first time to request cancel PMI ( principal balance {$160000.00} ) they told me my LTV ratio of mortgage need to be lower than 78 % and I need to do home valuation report but if I have principal balance less then 75 % then I don't need home valuation. At that time my LTV ratio was 78.28 %. Thus, I deposit more money towards principal and I request again for canceling my PMI at {$150000.00} ( principal balance ) which is 74.6 % LTV ratio.

At this time, Bofa stating they can not cancel my PMI until XX/XX/XXXX year because that was the date loan supposed to be at 78 % according to amortization schedule. According to Federal law I am eligible to cancel my PMI, once it is less then 78 %. I have continuously make regular payment and deposit more each month towards principal. It's becoming racket by Bofa. Each time I am getting different response by Bofa to decline my request.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies have placed accounts that were never to be or are incorrect on balance and contract. XXXX XXXX has no agreement with me also under UCC 3-104, 31 USC 5118 , 12 USC 1431 , 18 USC 8 . 
The XXXX Accounts are 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