23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was transferred from Navient to XXXX on XX/XX/XXXX. I live in the State of Illinois. 
In XX/XX/XXXX, Navient announced its desired departure from the student loan servicing business, with plans to transfer its six million federal borrower accounts to a company called XXXX XXXX. However, XXXX created a subsidiary called XXXX, which will now be the official student loan servicer for those who were previously stuck with Navient. 
Federal loan borrowers who were placed in long-term forbearances instead of income-driven repayment plans ( IDR plans ). Must have been a resident of one of the following participating states or had an address with a military postal code as of XX/XX/XXXX : AZ, CA, CO, CT, DC, DE, FL, GA, HI, IA, IL, IN, KY, LA, MA, MD, ME, MN, MO, NC, NE, NJ, NM, NV, NY, OH, OR, PA, TN, VA, WA, and WI. 

I have been hugely affected by Navient 's deceptive practices. I had no idea and was never informed I could start making monthly payments as an XXXX, while I was still working as a XXXX. I was forced to obtain my XXXX for XXXX status at the hospital or lose my job. Navient absolutely was guilty of these deceptive practices. The University program just went right along with it. How can the online fees for a XXXX online program rack up to {$40000.00} plus???? I have kids in XXXX kids in college now. I am looking to be included with Loan Discharge when I was with Navient. 
The CFPB accused Navient of numerous practices that hurt borrowers financially during Navient 's role as a federal student loan servicer. 
These practices include : Charging the wrong monthly payments Steering borrowers into forbearance and deferment instead of low IDR payments Inaccurate credit reporting Providing incorrect information about PSLF Charging incorrect late fees I have sent emails regarding this to the new company XXXX I just keep getting pushback saying that they have nothing to do with what Navient did with their loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started receiving a bunch of inquiries on my account and some of them were literally back to back. There was even an inquiry about a mortage loan and im not interested in buying a house at this moment. Everyday i get alerts talking about my credit score. I do not have any knowledge of these inquiries.
Product: Bank account or service

I bank at Chase and I am a small business owner. For the past 3 months, I have been trying to stop unauthorized withdrawals from my banking account. This endeavor has taken at least 10 hours of my time and I am still missing {$2200.00} from an unauthorized payment. Each time I call Chase, I speak to a different person and it takes upwards of 30 minutes for them to understand the situation. On top of that, there is always a different resolution, and Chase 's multiple back offices ca n't see notations from other offices. Chase has now withdrawn and put back in {$2200.00} into my account now 4x. I was told this issue was resolved multiple times, and then the funds are withdrawn without even a notification as to why they are taken out. I am still out this amount of money. 

On XX/XX/XXXX, a merchant that I am no longer doing business with, withdrew {$2200.00} from my account. I immediately called Chase and they were able to stop this payment, and I paid {$30.00} to block this merchant. 


On XX/XX/XXXX, the same merchant came back and withdrew {$2200.00} from my account. This time, the merchant withdrew funds under a different name. I immediately called Chase, and XXXX ( spelling? ) in the phone banking division said she would stop the funds from going out, but she did not follow the proper protocol. I was told that the funds would be back in the account in 1-2 business days. 
On XX/XX/XXXX, there were still no funds in my account, and I called back to inform Chase. It was at this point, that a " claim '' was filed. However, in multiple discussions with Chase, I was told this claim needed to be filed within 24 hours. XXXX ( who I spoke with on XX/XX/XXXX ) did not follow proper procedure when I initially called. 

After my call on XX/XX/XXXX, Chase temporarily put the funds back in my account, but then withdrew them a few weeks later on XX/XX/XXXX, claiming i had not filed the proper procedure to file a claim. 

On XX/XX/XXXX, I spoke with " XXXX '', senior specialist in claims and he agreed that " XXXX '' did not file proper procedure. He told me they need to contact her call center and refund me the {$2200.00}. 

Then the executive office got involved, who acknowledge that I called and spoke to someone within the necessary 24 hours but that call can no longer be listened to after 30 days. I did not call Chase customer service to chit-chat, I called to stop the fraud in my account. This has been twice escalated to the " executive office '' in Chase with the same negative result. 

I should not be a victim of Chase 's inability to follow procedure. Please help.
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 Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a 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: Credit card

I received my XXXX statement and noticed the interest charge is more then it should be. My balance owed on account as of XXXX XXXX is {$1800.00}. However the interest charged on my balance is {$1700.00}. Base on an interest rate of 29.9 %, my interest rate charged should have been {$540.00}. I called account service phone ( XXXX ) on XX/XX/year> to get an answer but person I contacted would not give me an answer other then repeating what was on my current XXXX statement. Would not give an explanation on the amount of interest charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, account NO. XXXX is wrongfully portrayed on my Transunion and XXXX  reports, for the fraud of the original creditor XXXX XXXX. Prior to service I provided my usual medical insurance as asked for ; I had an expectation that I would be required to pay my usual co-pay of @ {$50.00} and was prepared to do that. Instead prior to service and upon double-checking before leaving I was told by office staff " XXXX '', to my suprise, more than once that my INSURANCE WAS VERIFIED AND THAT THERE WAS NO-COPAY REQUIRED. Obviously this was a fraud perpetrated upon me by the original creditor, that the office worker 's statement was untrue. They knew they had me for any amount they chose to charge me with the threat of destroying my credit which the original lying creditor has done with their strong-arm collector. I've paid a bill I didn't owe according to the law and have had my credit ruined by a fraud perpetrating original creditor colluding with a collector.
Product: Mortgage

We purchased our home in XXXX XXXX XXXXXXXX. Mortgage via local firm XXXX XXXX XXXX XXXX XXXX of XXXX, mortgage sold to Mr. Cooper ( Nationstar Mortgage LLC. ) On XX/XX/XXXX, I forwarded a a XXXX " Additional Tax Assessment '' letter from XXXX XXXX to Mr. Cooper. 
On XX/XX/XXXX, I forwarded a notice of unpaid taxes from the XXXX XXXX XXXX XXXX to Mr. Cooper. 
On XX/XX/XXXX, I forwarded a noticed of unpaid taxes from the XXXX XXXX XXXX XXXX to Mr. Cooper. 
On XX/XX/XXXX, I forwarded yet another notice of delinquent school district taxes including penalties and fees to Mr. Cooper. 
On XX/XX/XXXX, I forwarded a notification of unpaid XXXX XXXX Taxes to Mr. Cooper. 
Today, XX/XX/XXXX, I received notification from XXXX XXXX XXXX, a firm representing XXXX XXXX that there is now a tax lien on my property related to unpaid XXXX Taxes. Upon calling the firm I was notified that there is a second tax lien on my property from XXXX XXXX. 

I am aware that my initial mortgage payment was based on XXXX taxes and did not include tax increases due to a reassessment that year. I have made Mr Cooper aware of this. In response, they have raised my monthly mortgage payment multi times, from {$1500.00} to {$2200.00}, a substantial increase and burden. We have not missed a single payment. My wife and I are in the process of developing a plan to cover our escrow deficit. In the meantime, we expect that our taxes are being paid. Mr Cooper has been completely unresponsive to this issue. Despite correcting the XXXX XXXX delinquency, they obviously made no effort to correct delinquencies related to XXXX XXXX XXXX taxes, despite being notified of the issues multiple times. We now have XXXX tax liens on our property and this is completely unacceptable. I spoke with Mr Cooper today and demanded action and a call from the escrow department.
Product: Credit reporting or other personal consumer reports

Credit that's not mine, and wrong information and money loss
Product: Student loan

I don't remember the exact date other than mid to late XXXX XXXX when I attended XXXX XXXX ( option was available on the pulldown menu when signing up ) I never finished schooling and had to drop out due to family problems. in XXXX I applied for a loan forgiveness program with Nelnet/XXXX   Discharge address U.S. Department of Education XXXX. XXXX XXXX XXXX, XXXX XXXX. 
I applied for this program. Had to submit documents regarding SSDI monthly payments as well as medical proof. I was approved and went through their 3 year monitoring period. The accounts I had 1 for {$13000.00} and a second loan account for {$8900.00} totalling {$22000.00} should have been discharged in XXXX. Fast forward to XX/XX/XXXX I decide to fix my credit scores and reports to get out of debt. I discover I now have these 2 loans reinstated and no reason why. I have since XXXX of XXXX repeatedly have requested information regarding the account. They told me the account was reinstated but that's it nothing else. If I want to do the XXXX  again I have to start all over. The only thing they have sent to me is the application but nothing else regarding the accounts. I am under the impression any and all lenders legally must give account access and information regarding any accounts owed otherwise they must legally discharge the loans/accounts immediately and remove from credit reports. I have asked numerous times now and still have yet to get any information. I have contacted a consumer attorney regarding this matter to see what can be done to be discharged ASAP. 


My account number is the only thing I have XXXX. No other information as of right now due to them not giving me access to my account
Product: Credit card

Request for Assistance with Fraudulent Charges on Chase Credit Card Account I am reaching out to request assistance regarding a serious issue with my Chase credit card account involving fraudulent charges totaling over {$7000.00}. I promptly informed Chase of these unauthorized charges, yet my claim was denied by the company, leaving me without recourse despite my best efforts to resolve the matter. 

The fraudulent transactions were placed through my Amazon account, with numerous items ordered using my personal address, although I did not initiate or authorize any of these purchases. I immediately reached out to Amazon to report the issue and request a resolution, but they were unable to assist me. Consequently, I filed a claim with Chases insurance as a necessary step to address this unauthorized activity. 

Despite providing all required documentation and promptly reporting the incident, Chase denied my claim, leaving me with a substantial financial burden due to charges I did not make. This has created significant financial stress, and I am now reaching out to your agency for help in investigating this matter and working toward a resolution. 

Please let me know if you need any additional information or documentation to proceed. I appreciate any assistance the Consumer Financial Protection Bureau can provide in ensuring that consumers like myself are protected from financial harm in cases of unauthorized charges. 

Thank you for your time and attention to this matter.
Product: Credit card or prepaid card

I filed a dispute with the card company because on XX/XX/2019 many ATM withdraws started happening that were not mine. over {$2000.00} was taken from my account. This might not be large amount of money for some people but to me it was the bulk of my life savings. I filed a dispute with XX/XX/XXXX and they said they would investigate. Today I got letter stating they are not returning my money. Below is a  letter that I emailed them today which will detail for CFPB the exact issue that this was clearly fraud or an inside job at the lender to steal my money. 

Letter sent to XXXX XXXX XX/XX/XXXX via there email portal is below ( cut and pasted ) .. 

I am asking you to please read this email and re-evaluate your decision on this dispute. Look at all my prior history of my account since I opened my account and you will see I don't go to ATM 's very often if ever, I always go to XX/XX/XXXX( your store ) to remove money directly. Also I never remove money at ATM 's in XXXX XXXX as is my understanding were these withdraws were made. The ATM card and its pin have only been in my possession this tells me that its either a data breach on you end or inside job from someone in your company. If this money is not returned to my account I fully intend to file a complaint with the Attorney Generals office in California and also the Consumer Financial Protection Bureau. If you read the details below you will see this is fraud based on location, prior card usage and the XXXX charge that started this whole thing. I want my money return or I will seek damages. 

Fraud Charges are as follows : 1st charge {$1.00} on XXXX on XX/XX/XXXX at XXXX CT, Not mine 2nd charge {$300.00} ATM withdrawl on XX/XX/XXXX at XXXX CT, Not mine 3rd charge {$300.00} ATM withdrawl on XX/XX/XXXX at XXXX CT, Not Mine 4th charge {$300.00} ATM withdrawl on XX/XX/XXXX at XXXX CT, Not Mine 5th charge {$83.00} ATM withdrawl on XX/XX/XXXX at XXXX CT, Not Mine I made the charge at XX/XX/XXXX XXXX XXXX restraint {$11.00} on XX/XX/XXXX at XXXX CT, I could not have possibly drove from that XX/XX/XXXX ATM to the XXXX XXXX reastraunt in that time frame. This is impossible with traffic the way it is in XXXX. That should be a huge red flag to you showing I did not make those ATM withdrawls. 
The next Charge is at XX/XX/XXXXfor {$21.00} XX/XX/XXXX at XXXX CT is my charge. 
The next charge for {$15.00} is mine on XX/XX/XXXX XXXX CT The next charge for {$11.00} is mine on XX/XX/XXXX at XXXXCT The next charge for {$8.00} is mine on XX/XX/XXXX at XXXX CT Then the fraud starts in again in XXXX XX/XX/XXXX at XXXX CT {$400.00} Not Mine XX/XX/XXXX at XXXX CT {$400.00} Not Mine XX/XX/XXXX at XXXX CT {$200.00} Not Mine ... 

I have not had a response to this email to them. This is fraud and they know it but won't return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, The following accounts XXXX XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX  ; account # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have 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 a business credit card with PNC BANK with a high interest rate and cash back rewards. I earned {$180.00} in rewards by using the card and making the payments on time. I tried to transfer the cash reward into my business banking account that I have with PNC BANK and there AGAIN was an error with their online banking not surprised that the cash rewards was NOT TRANSFERRED to my business account and after trying to make a payment via mobile app transfer several times I get a {$39.00} late fee. XXXX XXXX  business practices with this bank. I will never recommend PNC BANK to anyone for business.
Product: Checking or savings account

I am trying to access my account from XXXX XXXX and TD bank is blocking my account from access.
Product: Checking or savings account

Dear CFPB, I hold a 5 Year CD that I opened with XXXX XXXX XXXX during XX/XX/2016, that was taken over by US Bank. I did not notice the letter before my CD renewed this past month, and US Bank has I contacted them, and they wanted more than {$150.00} to cancel the CD, which is more than 200 % of the the full amount of interest the CD will pay out over 5 years. They also renewed the CD at a rate that is low ( .25 % ), when other 5 Year CDs can be found at 3-4x that rate.

I believe their fee is usurious to cancel the CD and unreasonable given the CD just renewed this past month. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX that the following item has been deleted from my credit report and bylaw under the Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and lenders must ensure that the information they report is accurate and truthful.
Product: Mortgage

I took out a home loan for $ XXXX in 2004 with XXXX XXXX. They file bankruptcy soon after. A company out of Texas called Caliber Home Loans continues to fail to document my payments and correct loan balance and does not own my loan nor do I owe them anything per the FDCPA, they are simply debt collectors acting on their own behalf and need clarification to all of thisXXXX XXXX XXXX XXXX XXXX claims to be the Trustee for XXXX XXXX XXXX XXXX out of Delaware, but I have not seen any documentation whereby they have paid any consideration nor bought my mortgage. I have a group of Attorney authorized on file and they have failed to send them the requested documentation. Right now I would like an update of my alleged loan balance and escrow account with this company, along with a copy of all documentation requested by my Attorneys.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit report frozen XX/XX/2021 at XXXX XXXX  CST. An unauthorized inquiry was placed on my TransUnion credit report XX/XX/2021 at XXXX XXXX CST. The inquiry is unauthorized and TransUnions error let the inquiry be placed, while my report was supposedly frozen. After speaking to multiple supervisors regarding this issue, the state they are unable to see the time that the inquiry was made and accuse the inquiry of being made prior to the freeze being placed, which is untrue. TransUnion claims to not have factual data or time stamps of when an inquiry is placed, therefore they assume the inquiry was placed prior to the freeze being placed, which is also untrue. After explaining the situation multiple times that the fault lies in their system, in that they should have blocked the request for my credit, since the freeze was already in place when XXXX checked my credit. They refuse to remove the inquiry and no resolution was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX XXXX, XXXX XXXX I have reviewed my Experian credit report and noticed a few hard inquires that I did not ask for. This is a written request for the following hard inquires to be removed. I have called Experian and the creditors and was given the run around about this situation. If not resolved in 30 days I will have to contact the Consumer Financial Protection Bureau once again. If you have any questions or concerns, feel free to contact me at XXXX or email at XXXX Thank you, XXXX XXXX XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

My Venmo account was suspended for no reason, and now I am not able to use it. I have created a ticket, and it was closed with no response. From what I read online, An ID is requested which I will not be able to give.
Product: Credit reporting or other personal consumer reports

This was another submission of complaint I am puttung forward, as recently I just received my updated credit report and found that the three remaining negative accounts were still present in my Experian and XXXX Credit Reports, and I am once more asking the mentioned credit bureaus to please REMOVE THESE ACCOUNTS I LISTED IN THIS COMPLAINT : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit card

closed account on XX/XX/2023 and they are still adding this fee of {$8.00}. Called 5 times to cancel because account has been closed but they are still charging me and won't refund the charges since I closed account. The First Digital Mastercard is an expensive unsecured credit card for people with limited or bad credit. It charges a {$95.00} program fee prior to account opening and has a {$75.00} annual fee the first year. Then, starting year two, the annual fee drops to {$48.00} but is joined by a monthly fee of {$8.00}. 

Credit Card Company FIRST DIGITAL XXXX XXXX XXXX XXXX XXXX SD XXXX Cardholder Services XXXX Account Number : XXXX XXXX XXXX  XXXX Account holder : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX 2017, I noticed a collection from XXXX for {$590.00}. I had to leave my home due to a divorce, and my husband never gave me my mail so I didnt know a medical debt existed. When I discovered on XXXX I paid it immediately!
Product: Debt or credit management

I had Lexington law firm to help me with credit repairs so I can work on my credit score and NOTHING no type of movement or improvement to my credit score
Product: Vehicle loan or lease

To my knowledge, FCRA 605B states that inaccurately reported accounts should be removed from credit reports. I'm uncertain about the specifics, but please review the accounts detailed in the documents. They're inaccurately reported on my credit history, including erroneous account information and statuses. This situation has upset me, and I'm feeling unwell. I'm reaching out for your assistance.
Product: Debt collection

I just recently reviewed my credit report that this item was turned to a charge off and I never received a 1099 and I was wondering could you please send a 1099 for the item that is reporting as a charge off on my report due to a financial hardship. I remember having a hard time paying due to a family medical emergency that devistaed my finances for most of the year.