23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I contacted Navient on XX/XX/XXXX and spoke its representative, XXXX, at telephone number XXXX. She reviewed the account stated that she would send me the loan information by mail including the promissory note. I informed her that I had submitted a CFPB complaint in XXXX and XXXX and had received responses from Navient stipulating the loan was put on hold due to a bankruptcy lawsuit in XXXX. She mentioned that the loan was initially {$7000.00}. It has ballooned to {$18000.00} since it has been on hold in Navient 's bankruptcy lawsuit by other plaintiffs. XXXX also mentioned that the forbearance interest grown within that 9 years should've been assessed based on the filing of bankruptcy by the borrower, and I have never filed for bankruptcy. 
Navient has not explained why it put this account on hold for 9 years on a bankruptcy lawsuit hold and allowed it to grow in high forbearance interest. 

XXXX with Navient on XX/XX/XXXX told me that she would send a credit retraction to the credit bureaus after collecting {$1200.00} from me to bring the account up-to-date -- after I had not been informed of when the account would be out of the bankruptcy lawsuit hold that Navient placed the account in for 9 years. Navient debited the {$1200.00} from my bank account but has apparently deleted the record from their system of XXXX 's planned credit retraction with the credit bureaus based on my conversation today with another Navient representative. 

I have been getting the runaround from Navient 's Customer Advocate, XXXX XXXX, XXXX XXXX XXXX. I have several email communications with her where she instructed me to call her at a given number, but upon my call, she was not listed in the Navient system by the name she provided ; so the representative initially could not find her ; after several attempts by the Navient rep, he was able to contact her, but she would not take my call on that day. She responded to my email stating she had technical problems but gave me a time and date she would be available to call me, but, again, she did not call me on the date and time she selected. I sent her another email about missing the appointed time/date ; she emailed me back and gave me the same story about technical problems. This has been going on for 2 weeks with XXXX XXXX avoiding my calls or blatantly and deceptively giving me the runaround. XXXX XXXX and Navient are acting like they are above the law. And after being sued by multiple plaintiffs and after a 39 state attorney generals lawsuit and settlement for predatory lending practices, Navient continues to behave in a disreputable manner. Navient through its representative, XXXX XXXX, are abusing their power as holder of this forbearance loan. Navient has not retracted the late status with the credit bureaus as promised after collecting my payment for {$1200.00}. I would like this published widely and for the record. The credit bureaus should retract Navient 's late status on my credit report. Navient should be held to account for this financial abuse and should not be allowed to punish people for filing a CFPB complaint against them.
Product: Money transfer, virtual currency, or money service

I submitted two payments on XX/XX/2021 in the amounts of {$260.00} and {$260.00} through PayPal. Both transactions were refunded, and the payments were cleared as refunded on the PayPal app and website on XX/XX/2021. As of today, XX/XX/2021, I have not received the refunds totaling {$520.00} in my bank account. PayPal refuses to follow up, and my ticket was closed after the customer service representative submitted tracing info and told me I would receive the tracing info so I could present it to my bank. I never received the tracing info, and I had to start the process all over again. Further, I am deeply troubled by my bank statement, as my money appears to have disappeared into the abyss, and the transaction history has been altered as it is not reflected in my PayPal balance nor my bank statement, except for the amount reflected in currently available which is exactly {$520.00} less than what should be in my account. 


PayPal has not followed their own policies or terms of service, and their reps are telling me one thing which never aligns as accurate according to my bank statement. 


I am filing a complaint and will see it through with this institution and others until I have received my {$520.00} back in my account.
Product: Credit reporting or other personal consumer reports

I want to dispute an account in collection that I see on my credit report. The account is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX. Date opened is XX/XX/year> in accordance to what I see on my credit reports. The balance is for {$180.00} but this is not my account and should be deleted/removed from the Experian, XXXX, and XXXX credit report. I'm going to upload a Massachusetts ID card and a copy of my social security to help verify my identity. I've called XXXX XXXX already and verified my social security with them and they said it not my account based on my social security number.
Product: Debt collection

I received a Notice of Court Proceeding to Collect Debt of {$1900.00} on XX/XX/XXXX and contacted Portfolio Recovery Associates , LLC on XX/XX/XXXX to inquire about an over the phone payment of a payment to avoid garnishment. I spoke with a manager named XXXX to work out a potential payment plan but he stated he needed approval and to contact again in the week for that decision. I contacted Portfolio Recovery Associates , LLC again on XX/XX/XXXX and spoke with an representative named XXXX. I asked for an update on my payment plan approval status, which she confirmed did not have an update, but even if approved, she would not allow it to proceed due to the status being too far into garnishment. I responded that the Notice of Court Proceeding to Collect Debt stated that I had 15 days of the mailing of the notice ( which was received XX/XX/XXXX ) to action one of 4 items to avoid garnishment, and I was attempted to proceed in option 2 - Complete the attached form entitled " Payment to Avoid Garnishment. '' Based on the calculations listed on the sheet, I could send in a payment of {$380.00}, but was offering to put {$1000.00} and work out a payment plan. XXXX said that the garnishment was too far in the process and that I would need to pay the full amount via money order or cashier 's check. I inquired why, as the document I received stated I can do a calculated payment to avoid garnishment within the limit of 15 days, XXXX stated that the 15 days was from XX/XX/XXXX, and added that although she didn't want to " throw shade '' she said they sent letters a long time ago to avoid this. I again inquired how it could be in garnishment when I just recently received notice to avoid a garnishment. After no conclusive explanation I wrapped the phone call. ( Call placed XX/XX/XXXX to ( XXXX ) XXXX at XXXX XXXX.
Product: Mortgage

My mortgage company Nationstar Mortgage. I live in California. My mortgage is currently in default. I have secured the funds to reinstate my loan. I have attempted, and my lender has attempted to get a written breakdown of the costs, fees and payments that need to be made to the mortgage company in order to bring the account current. I have been told that the company will not, on advice from their leagal department, give me the document that I need. Their reason is that in 2008 I had a bankrutcy ( that was discharged ) and that they are " not allowed '' to provide the written document that I need to give to my lender. Meanwhile, the foreclosure sale date is looming. My lender has called and spoken to them, I have called and spoken to them and they simply will not provide the document. I am afraid that they will foreclose even though I have the money and income to make this right. They keep changing my " point of contact person '' even after assurances that they will not. ( I 'm up to XXXX ) The phone number that is on my mortgage statement is a loop that goes nowhere. ( I 've told them this ). My latest mortgage statement was incorrect. This affects the amount that I owe. They keep sending people to my house to see if I still live there, and charging me for it, even though they know that I do and I have kept in consatnt communication with them. They keep denying my requests for modification. The latest reason was that it would affect the potential equity ( I have plenty ) of the home. I am happy to use some of my equity to modify my loan! I put the money down on the property to begin with! I can not provide you with any documentation because it is written and they wo n't give it to me! I need help!
Product: Student loan

For the last XXXX months ( through XX/XX/2024 ) I was on a rate reduction plan with Navient, the company servicing my private student loan, and was making a reduced monthly payment of {$360.00}. Eligibility for the rate reduction program must be renewed every XXXX months. 

In XXXX, I was laid off from my job. I called Navient Private Loans in early XXXX to renew my eligibility for the rate reduction plan, and informed them that I had recently been laid off and had no income. They told me the absolute LOWEST payment I could qualify for would be approx. {$630.00} per month. Navient also told me I do not qualify for any temporary deferment or forbearance, and they absolutely could not make my payment any lower than {$630.00}. 

This is obviously not doable given my current situation and I was unable to make my payment in XXXX ( XXXX XXXX ). I have filed for unemployment but my benefits have not come through yet. Even if I get the maximum UI benefit of {$430.00} per week -- adding up to {$1700.00} per month -- it will not even cover my housing expenses. I pay {$1400.00} per month for my mortgage and {$760.00} per month in HOA fees, for a total for {$2100.00} in housing costs alone. I also have a car payment, credit card bills, and support my daughter as a single parent. 

Since Navient Private Loans has refused to lower my monthly payment, I am appealing to you for help. My inability to pay what they're asking -- through no fault of my own -- will certainly ruin my credit score as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.XXXX {$3500.00} XXXX {$12000.00} XXXX {$1000.00} XXXX {$110.00} XXXX {$83.00} XXXX {$980.00} XXXX {$180.00} XXXX {$330.00} CHAPTERXXXXBANKRUPTCYDISMISSED
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX Formal Debt Dispute : Complaint against NewRez for over charging my mortgage account and ruining credit report - LOAN # : XXXX ( Serviced by NewRez ) We are previous XXXX Loan clients. In XX/XX/XXXX, NewRez took over our mortgage loan. We were paying principle {$1000.00} per month. ( 30 year fixed ) Our XXXX payment to XXXX XXXX was paid in XXXX and never transferred over to NewRez. Also, the property is a condo. The flood insurance certificate was sent to XXXX, for XXXX, and should have transferred. 

Suddenly, I and XXXX XXXX XXXX were reported as 30 days late to the credit reporting agencies. 

In addition, our condo association emailed a copy of the flood insurance policy to NewRez in XX/XX/XXXX, for XXXX. However, NewRez has been charging me {$1800.00} for insurance. NewRez confirmed that this would be rectified by the XXXX payment. This is still not fixed. 

We overpaid NewRez in XXXX ( to avoid being sent to collection ) and asked that the overpayment to be credited to XX/XX/XXXX. However, the overpayment still has not been credited. Moreover, we are still being over charged on the mortgage payment XXXX - XXXX = {$750.00} per month. 

NewRez is stating that they never received our flood insurance from XXXX XXXX for XXXX and we had an escrow. We were never aware of this situation as XXXX received copies of our flood insurance policies. We always submitted our flood insurance policies. We should not have an escrow balance from either mortgage company. XXXX received our flood insurance policies. 

( 1 ) NewRez needs to correct my and XXXX XXXX credit report. ( 2 ) They owe one month ( overpayment ) to be credited to the account. ( 3 ) They need to correct the billing statements ( 4 ) They need to credit the XXXX and XXXX flood insurance and not charge an escrow from XXXX. ( 5 ) They need to update the XXXX payment. I have a bank statement showing payment for XX/XX/XXXX. They are stating the payment is not paid. 

I have been on the phone with the agents and two supervisors for two months. However, this situation is still occurring and needs to be rectified. 

Thank you for your time in addressing this matter. 

Sincerely, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Debt collection

On XX/XX/XXXX I sent a certified letter to XXXX XXXX XXXX XXXX asking them to validate the debt of {$1600.00} on account # XXXX they say I owe. They responded back on XX/XX/XXXX with a itemized printout of procedures I had done in a hospital saying their client Pendrick Capital Partners LLC purchased my account and I owed them {$1600.00}. I sent them another letter on XX/XX/XXXX asking them once again to validate the debt and provide me with the procedure including names, addresses and phone numbers of the people they utilized to validate the debt. I did not receive a response back. I checked my credit report on XX/XX/XXXX and the failed to provide the credit bureau XXXX with the required disclosure stating the account was being disputed. I sent XXXX XXXX XXXX XXXX another certified letter on XX/XX/XXXX stating they had violated Fair Debt Collection Practices Act ( FDCP ) and/or the Fair Credit Reporting Act by failing to provide the disclosure to the credit bureau 's within the 30 day period. The company did not respond again but it seems they were able to update my account on the XXXX credit report months past due. As a result I would like this removed from my credit report. I have attached all of the proof of these communications below
Product: Debt collection

I received a letter From Mandarich Law Group , LLP for Creditor : XXXX , XXXX When I responded to Mandarich Law Group , LLP with a Certified Mail Letter and they refused to pick it up on two attempts from the Post Office
Product: Checking or savings account

I opened a CD account with Wells Fargo 11 months ago. It was going to reach maturity in 10 days. Now theyve closed it for no reason and they did not contact me - I contacted them, and was told they can not give me information and to contact their fraud department, which is not currently open. This is absolutely ridiculous of them to do this 10 days before my account reaches maturity. I cant see the money anywhere in my bank - I cant access the statements, see any of the interest payments or the initial deposit. Luckily I found the letter they sent with my account number. Please contact me if the account number is needed, this is shameful of a huge bank to do this to someone. I had {$30000.00} in that CD not including all the interest. Please help me get my money back.
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 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: Checking or savings account

Opened the Wells Fargo account, Made my initial deposit, A few days later Wells Fargo closed my account and never refunded my initial deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Equifax, XXXX and XXXX with no successful resolution. Equifax and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Debt collection

I ordered my credit report in XX/XX/XXXX, and looking on it I found a credit item that I didnt recognize, so I tried reaching out to them which is called XXXX XXXX and ask for verification of the debt, I spoke with someone on the phone and they said they would send something out, I never received anything, so then I sent in a letter requesting the information on XX/XX/XXXX via certified mail, Still I havent received anything yet So I tried to dispute with Experian twice and they keep sending the report back as accurate, without showing me how they verified it, I asked to see something with my signature or a canceled check stating it is mine, and they are refusing to prove the debt to me.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against BMO Bank for Failure to Provide Payoff Statement To Whom It May Concern, I am submitting this complaint against BMO Bank due to their repeated failure to provide a necessary payoff statement for my loan, which has resulted in significant financial harm and the loss of a home purchase opportunity. 

I have contacted BMO Bank multiple times via phone to request a payoff statement, which is critical for my refinancing process. Despite my repeated requests, the bank has failed to provide this essential document. Additionally, I visited a branch in person in an attempt to resolve the issue, but I was still unable to obtain the necessary information. The technology and systems used by BMO Bank appear to be inadequate, making it impossible for customers to access the information they need in a timely manner. 

As a result of this failure, my refinancing process was delayed beyond the agreed-upon timeline, which was a contingency for my home purchase. Due to BMO Banks inaction, my home purchase agreement ultimately fell through, causing financial and personal hardship.

I request that the CFPB investigate BMO Banks failure to provide timely payoff statements and take appropriate action to ensure that they comply with regulations requiring financial institutions to provide such information to their customers. Furthermore, I seek compensation for the financial damages I have incurred as a result of their negligence. 

Thank you for your time and attention to this matter. Please let me know if additional information is required. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Bank of America mailed to me a promotion of zero percent interest on balance transfers and purchases until XX/XX/2021. Along with the offer two checks were sent in which I filled out. 1 ) for {$970.00} to XXXX XXXX XXXX and another to XXXX XXXX for {$7900.00}. I looked at my account online today and discovered I am being charged 1.99 % interest on my purchase of {$7900.00} to XXXX XXXX until XX/XX/2021 and 0 % interest on my charge of {$770.00} to XXXX XXXX. I called to inquire and was told that the two checks had different promotional offers and that it was my fault for not filling the checks out correctly. I was told that this could not be resolved that I would just have to live with it. I was charged a total of {$260.00} for a 3 % transaction fee, which I knew I would get, and a {$8.00} interest fee that I did not agree to. I am so concerned that they may fraud me further that I closed my accounts and will be paying them off within the next few weeks, even if I have to sell a kidney. So far this has been a {$270.00} lesson.
Product: Debt collection

I have provided proper documents that place me in good standing with said apartments. I have a release form that states I was never late and being released in good standing. I have requested a detailed document showing my balance from that date on the release form from property manager until the date of the XXXX ending balance. They have yet to send me that information. I did not accrue this balance. I have emails stating that my rent was to not be accepted as well as a good release form releasing me to any property of my choice. This is unfair and I am simply asking for a detailed receipt of the balance.