23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My name is XXXX XXXX and my social security number is XXXX. On XX/XX/XXXX I called Navient to get more information on my loan payment history. I downloaded the XXXX spreadsheet of ALL transactions in the entire life of the loan since when I took the loan out in XXXX. I called Navient and was transferred to 8 different agents and departments. No one could explain to me WHY I have been charged different interest and fee amounts since the loan start date in XXXX. No one could tell me the total interest amount I have accrued since the start of my loan, no one could tell me the total fees I have accrued. The most important thing is no one would tell me WHY these charges happened. All reocrds I have access too do not disclose this information. They simply say the amount I was charged, but not the reason. I calculated all payments I have made since XXXX and I have paid MORE than the original amount of the loan. and I still have 90 % of the principal remaining. The interest I have accrused and paid off DOES NOT add up with the interest rate I agreed to pay. The agent named XXXX ID # XXXX yelled at me over the phone telling me if I want this information then Navient will put in a request for research and more information. He said Navient could only provide records of my loan history but not the reasons WHY I have these charges. He continued to yell at me saying " everything was in the loan agreement and terms when I signed the agreement in XX/XX/XXXX''. He yelled at me saying I need to go back and read the fine print. He yelled at me saying my account is overdue and he does n't need to answer any questions until I pay the 2 payments I 've missed. I continued to say that I am the one who has been calling Navient, I am the one calling to pay off my loans, I am the one who is TRYING to resolve this. I just need more information to understand these charges. To date I have paid exceedingly over the original amount borrowed. It has been 7 years since I took out these loans, the loan interest rates range from 6 % -11 %, how could the interest EXCEED the original amount I borrowed within 7 years. He yelled at me saying the interest rate fluctuates depending on the economy and this is all in the fine print of the agreement I signed in XXXX. Navient is facing MANY class action suites for this EXACT issue. Charging borrowers with NO explanation knowing the process to obtain records is time consuming and very difficult. I have to be on the phone for over one hour, I was yelled at violently, and in the end I will never know if my request for information was sent. He said Navient must " research '' and they 'll mail me information sometime in the next several weeks. I believe I am being scammed and I want every single fee. every single interest charged to be justified. Navient has been aggressive, inhumane, and unjust ever since I took out these loans in XXXX. I am motivated to settle these loans ONLY AFTER navient explains why every single fee was charged and every single interest charge was accrued since the amount does not make since to the interest rate I agreed to in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was negligent in securing very important personal information that led to a security breach, affecting almost half the country 's population. We all know when this happened. I am also a potential victim according to their equifaxsecurity2017.com website. They have also failed to notify anyone in a timely matter after they discovered they had a security breach, instead waiting months to release the news.
Equifax is also attempting to capitalize on their own mistake by offering paid credit security services and also including hidden terms of service that waives the right to sue the company itself after their own negligence.
Product: Debt collection

CALIFORNIA BUSINESS BUREAU : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Original Creditor is " Medical Payment Data '' I do not have any Medical Collections Accounts of any kind. This information is erroneous and it is being maliciously reported by California Business Bureau
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received a text that money was being transferred out of my XXXX account to a person named XXXX XXXX. I called to let Chase know that it was fraud. Two charges totaling {$3500.00} were pending at the time of my call. Chase did not stop them and continued to take my information. I asked them to freeze my business account that the funds were being taken from. They said they couldn't freeze it. While we were on the phone another transfer from my XXXX was pending from XXXX XXXX again. They were able to stop this third transfer. I had to create a new account with a Chase representative because my security questions were compromised as well. 
I made a complete report with Chase and received a letter yesterday from Chase that the charges were authorized and I wouldn't get my money back. I called and went into the XXXX, NY branch today and they have not resolved this issue. I never allowed this transfer, do not know this person and was told by Chase to get a police report and look up the person. The person, XXXX XXXX, from my search, lives in Georgia and is an alias for someone else. A police report was filed today. I am awaiting a copy of XXXX XXXX made from XXXX XXXX XXXX. 
Chase was a complete disappointment and very unfair to me! I fraudulently lost {$3500.00} after being a loyal customer for 20 years! I've spent many hours unsuccessfully trying to have this resolved. Chase online was terrible and the fraud department was even worse. I will tell everyone I know not to use them and that they do not protect their customers. They offered to sell me additional protection for the future. There won't be a future with me, my husband, family and friends who will no longer be customers to this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

XXXX XXXX Account Number : XXXX Reported Date : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was with Lexington in XXXX for a good year and again XXXX they told me it would fix my credit score they would take off negative items off my credit report to bring me score up ... I paid all the time and nothing all they did was take my money and nothing was taken off my credit report just a scam
Product: Vehicle loan or lease

Upon careful review of my recent credit report, I found several accounts that I believe are inaccurate and were added without my consent.
Product: Debt collection

I AM the consumer and I have not consented to, authorized, nor benefited from the following accounts or inquiry. Block and remove the following accounts from my consumer report as I have a right to privacy pursuant to 15 USC 1681 a ( 4 ). 
There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I the consumer did not obtain possession of goods, services, or money as a result of the blocked transaction or transactions I the consumer did not request this information to be blocked in error
Product: Mortgage

My original loan was through XXXX. It was sold to XXXX & now Im stuck with PHH Mortgage. I was unaware of the many problems with this company until they sent a letter dated XX/XX/2020 claiming that FEMA had recently mapped my property into a Special Flood Hazard Area. I thought it must be a scam since I live on a hill. They are force placing flood insurance, even though I have sent many documents showing I am not in the XX/XX/2020 FEMA SFHA. I have applied for a LOMA from FEMA, but I did not do this from the beginning because FEMAs updated online map clearly shows my property in a low flood risk area. PHH wants me to provide an Elevation Certificate at my expense which I am unable to procure anyway because it can not be done for a property that is not in a flood zone according to XXXX XXXX at XXXX XXXX XXXX XXXX, surveyor XXXX XXXX XXXX XXXX County Flood Plain Administrator, XXXX XXXX. I have provided my correct Community #, property ID # s, my Recorded Deed as well as other documents including a flood determination & property exhibit from XXXX, maps from engineers & my appraisals from the XXXX County Appraisal District. PHH is refusing to send a flood determination to XXXX so that I may purchase insurance from the provider of my choice. I started asking for this document on XX/XX/XXXX when I first learned it was needed in order to even get a quote for the high risk flood insurance. XXXX requires this document when a mortgage company claims a property is in a different zone than what XXXX & FEMA states. It is nearly impossible to get a live person on the phone at XXXX. I have been passed from agents to managers to supervisors to researchers with great difficulty on my part to even get past the first call-taker. They rarely call back, they have given me direct lines that are not answered & /or disconnected. Employees that have promised to see my case throughare suddenly no longer with the company. All of this easily took the 45 days they gave me to either dispute my case or purchase my own insurance before they choose their own & start charging me for it. Now they are charging me for insurance that I have no proof that is needed, do not know what company is providing it or what it covers. XXXX is aware that I have lost my job due to COVID & that this policy abuse will make it more difficult for me to continue to pay my mortgage. I have never been late or missed a payment. I would have refinanced a month ago to be free of XXXX if I were able to.
Product: Debt collection

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved
Product: Money transfers

I sent {$80.00} to my son. I 'm in Virginia and he is XXXX in Colorado. I sent this money at XXXX XXXX and he attempted to pick it up at XXXX, unfortuately, they said the money was not there. I have the receipt and reference number and called moneygram directly. so far I have been transfered twice and questioned as of why I sent money and who and purpose, all have been answered. Now I 'm on hold for 20 minutes while my son waits at the counter for resolution. I paid for their services that stated 10 minutes to transfer yet to be received by my son. I 'm still on the phone with MoneyGram, I have been transferred to XXXX levels and the time is now XXXX. I have someone who states they are going to release the money but keeps putting me on additional holds.They claim the money was released however, when I questioned what was the problem they only apologized and I asked again and they put me on hold music. I do know one certain, I will never do business with them again!
Product: Mortgage

Flagstar bank has an error message on their website that has been preventing me to put our mortgage payment on Auto-Draft for several months. We believe this is being done in an effort to increase late fee revenue to Flagstar Bank because there is no other legitimate reason for it. We maintain adequate funds in our bank account at all times to make this payment but due to the fact they constantly change the amount of the payment and add insurance we do not need on the mortgage account the payment amount is frequently incorrect. We would like to enroll in auto-draft like we have with all of our other mortgages but are being denied the opportunity to do so.
Product: Checking or savings account

I checked my online banking. I noticed everything had posted - nothing was pending. There was a negative balance of - {$31.00}. I went into the branch and I spoke with XXXX. XXXX was very professional- thank you. However, I am disappointed. I gave {$31.00} CASH - to bring the account balance to XXXX. XXXX should post same day - right away. I asked XXXX to CLOSE the account. He said he was not allowed to close the account and needed to wait until the NEXT day. This seemed odd to me since cash was used - and there were NO pending transactions according to the banking app. 

I asked him to close the debit card - fine - no problem there as far as I can tell. 

Now, this XXXX  - I see at least one fee and possible fraudulent transaction. So, now, the account is negative- {$220.00} dollars! I don't understand why the banker was not able to simply close the account- since CASH was deposited and there were no pending transactions. 

I went into the bank on XX/XX/2024. It was around XXXX XXXX 
Now, XXXX, since the account was NOT closed as requested- I have a large negative balance - today is XX/XX/2024.
Product: Debt or credit management

I've been XXXX  since XX/XX/2017 and I was just released in XXXX of this year and there is a collections on my reports from Jefferson Capital that they bought from XXXX and I've been in XXXX since XX/XX/2017 and was in Florida for 3 years before that. XXXX has already resolved this issue and it has been deleted. I would appreciate the same from the other 2 companies. Please and Thank you. It is impossible for that account to be mine.
Product: Debt collection

Amerassist AR Solutions has placed a collection on my credit profile claiming that I owe {$1300.00} to XXXX XXXX XXXX. I researched XXXX XXXX XXXX and found out that they are some sort of dental company. I have never had and services done by XXXX XXXX XXXX. I reached out to Amerassist over 60 days ago via certified USPS letter ( I attached a copy in the CFPB document portal showing when they received my complaint ). They have yet to respond. What they did was buy some erroneous debt for pennies on the dollar in hopes to turn a profit from it. They obviously didnt try to verify this with any official documentation. This company is HORRIBLE. Every time I call they give me the run around.
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request. 

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX XXXX. A COPY OF MY CREDIT REPORT I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : INCORRECT ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX INCORRECT EMPLOYER : XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting act XXXX  XXXX  # XXXX Account name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name 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: Student loan

In early XX/XX/XXXX, an associated told me I could submit a formal letter with instructions about how to handle payments over the minimum payment. The intent was for extra payments to apply directly to principal on my loan balances. I mailed that letter to Mohela around XXXX and it was approved on XX/XX/XXXX. I submitted a large payment to one specific loan using the app on XX/XX/XXXX. That payment was applied first to the interest on my loan, contradicting the instructions in my letter. I called around XX/XX/XXXX and an associate assured me that the letter was still in processing, and once that was complete, the adjustment would be made to move that payment to principal on the specific loan I paid. When I checked my account a few days later on XX/XX/XXXX, an adjustment had been made to move my payment from the specific loan I had paid and had been spread across every loan that I have with Mohela, covering almost entirely interest. Approximately 90 percent of this large payment is now applied to interest across six loans, rather than only principal on the one specific loan I paid. Moreover, the very small portion of my payment that went to principal was moved to a lower-interest loan. I called customer service and was told that written instructions for how to handle payments are not applicable and Mohela will always put payments toward interest first. I pointed out that their website specifically states that written instructions apply first, and the default structure of interest-first payments only applies in absence of written instructions. I also pointed out that three other associates had given me different information. Furthermore, there is nothing to suggest that payments can be moved from the loan that was specifically paid by the borrower to other loans under Mohela 's management and distributed however they please. I believe this is in violation of my rights as a borrower in repayment and that this is dangerous and corrupt practice. I am deeply concerned about my ability to manage my own account or to successfully work with this company to repay my debt.
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( XXXX ) Appropriate identity documentation ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the customer 's identification of the pertinent data ; and ( XXXX ) a customer declaration indicating that the data is unconnected to any transactions. 


XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXXXXXX XXXX : {$800.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX XXXX : {$190.00} XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX XXXX : {$160.00} XXXX XXXX XXXXXXXX Balance : {$140.00} XXXX XXXX Bankruptcy : XXXX XXXX XXXX : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Starting back in XX/XX/XXXX I started disputing XXXX with them themselves and the credit bureaus. XXXX XXXX and XXXX  removed the XXXX account ending in XXXX. I sent a Validation of Debt letter to XXXX and it was never answered. as well as 4 other factual dispute letters to XXXX. Plus 2 other CFPB Complaints about XXXX. XXXX and XXXX. XXXX  All documents are attached to the prior complaints. On XX/XX/XXXX I was served with a law suit from Crown Asset Management , LLC. I have never heard from them before nor have they tried to make contact with me about this alleged debt. Court Summons and supporting documents attached. On the Complaint from the Summons from Crown Asset Management , LLC Paragraph 1 states the account was opened XX/XX/XXXX, This is false. Paragraph 8 says I owe {$1200.00}. This is not what XXXX is reporting. Paragraph 6 says I do not object to any errors. This is false. I have the last 6 months of paper trail through XXXX and XXXX showing I am disputing errors. They would know this if they contacted me. They delivered the summons to my house, but the summons had the wrong address on it. It's an address I have never had, never seen or knew it ever existed. And not listed on my credit report. On the affidavit of the records they say they have purchased the account from XXXX it says date opened is XX/XX/XXXX. Last payment XX/XX/XXXX. The amount owed is {$1200.00}. The charge off date says XX/XX/XXXX. All 4 of these items on the affidavit do not match my credit report with XXXX  who has Certified Verified this account with XXXX through a rigorous investigation of 6 months. The Legal Document Specialist for Crown Asset Management , LLC certified these documents as accurate XX/XX/XXXX. This was during a CFPB Investigation with XXXX  and XXXX. XXXX can not be giving out information about an account that is in dispute. I also called XXXX on XX/XX/XXXX twice and said I am disputing this account. From all the errors on the documents that Crown Asset Management , LLC is using to sue me with I do not believe they really own the debt or if they do own the debt it was sold " as is '' and the validity of the debt is not guaranteed. I believe this is gross attempt to collect a debt that either does not belong to them and or is extremely inaccurate. No real proof the debt is collectable by them. Several pieces of the documents are severely redacted, missing and illegible and contact information to verify the sale is missing. Please help me against this wrongful debt collection. I am not posting my XXXX  'XXXX  Credit report on here because I don't want Crown Asset Management , LLC to fraudulently parrot my information to use against me in Court. I also looked up their XXXX, a rating of 1. I know that this may not be important, but I'm XXXX % XXXX and live on XXXX. I could really use the help from them going after my Social Security XXXX.
Product: Checking or savings account

I was charged on XXXX {$100.00} and charge again on XXXX $ XXXX charged on XXXX XXXX XXXX I realize that my charges I had over a draft protection an my charges were totaling {$130.00} the bank charged me {$250.00} my only income is a total of {$930.00} a monthly I get on the XXXX {$830.00} an on the XXXX {$91.00}. XXXX totally {$930.00}. 00 monthly I I called them and they said they would return my call somebody call me back and nobody ever called and has it still and that's been XXXX days ago all I have to live off nothing else my checking account has {$570.00} in it right now I have that's why I'm reaching out to you this is ridiculous I can't afford this I pay {$350.00}. XXXX rent an live in a rv from having to bury my son no insurance I'm not going to be able to eat you know I suffer from XXXX I lost my XXXX son 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 in XXXX my XXXX is Extreme right now this right here is just adding to it if there's anything somebody can do this is an injustice please help me I'd really appreciate it please help me thank you God bless XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Mississippi XXXX my email address is XXXX XXXX