23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient has tried to re-open a private student loan account that has been " charged off '' AND " closed '' on my credit report. I have not made a payment in 7 years exactly this month. They re notified the credit bureau trying to say this is an open account and it is not. It has passed its 7 year date of non payment. I believe they are just trying to still receive payment after transferring from XXXX XXXX. They were rude on the phone stating my account '' never closed, it is open and you are currently accuring interes. '' They wont work out a repayment plan I can afford stating i had to " Give {$1000.00} down then XXXX {$100.00} payments and only then will they tell the credit bureau I am in good standing. '' Or I could '' pay {$290.00} for the next 8 months '' before they put me in good standing. The would not accept less. Dont they have to work with me? However, this account is closed and charged off. Is it not illegal to put its status back into repayment and start charging me interes again after its been closed. Its been 7 years ... I found all of this out because I tried applying for a mortgage loan and they company told me what Navient reported to them. Can you please help. I have heard and read nothing good about Navient. This account originally went to collections because I got a divorce and lost my job and just had a baby I had to support. All my other federal student loans I have made good one. Please help me correct this. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative credit accounts, such as charge-off accounts or collections, have a limited amount of time that they can appear on your credit report. After XXXX years, most negative accounts are automatically deleted from your credit report, according to the Federal Trade Commission CAPITAL ONE AUTO FINAN XXXX {$3000.00} - - Installment Negative XX/XX/XXXX CAPITALONE XXXX {$1000.00} {$1500.00} 70 % Revolving Negative XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXXC of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. XXXXg ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. XXXXg ( XXXX ). According to, 15 U.S. CXXXXe XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S CXXXXe XXXXb - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Mortgage

In the beginning of XX/XX/2020, I applied for a Navy Federal Credit Union refinance loan. I successfully was pre-approved for a loan. I locked the rate at 2.875 % contingent on supporting documentation. The option I had was a XXXX XXXX which allow me to be able to lock at a lower rate if the rates dropped. The loan officer stated there was a heavy backlog and my loan would not progressed until sometime in XXXX and or XXXX. I told Navy Federal I was willing to wait just as long as my interest was locked at 2.875 %. They ensured me that it would be and we could move forward with me providing necessary documentation. Within two weeks I supplied the Navy Federal my w2, pay-stubs, etc. On XX/XX/XXXX Navy Federal emails me and ask if I would like to proceed. I email them back XX/XX/XXXX and stated I was looking forward to proceed. Around XX/XX/XXXX I called Navy Federal to asked them next steps and they stated my application had been withdrawn and I had to reapply for a new rate which would be .75 higher than my old one. I felt this was misrepresentation. I ask to speak to a senior manager. I was able to speak to a senior manager and after investigation she stated the reason I had to reapply was because my credit report expired. I never ask Navy Federal to withdraw my application. Navy Federal never emailed and stated I needed to pull another credit report. 
Due to misrepresentation and lack of transparency I would like Navy Federal to honour my existing 2.875 % loan application rate, allow me to lock into a lower rate as well as waive any and all loan origination fees for the hassle of lodging a complaint and mistreatment of a 30 year XXXX XXXX Veteran 's son.
Product: Credit card

Chase bank credit card services late payments Dates 60 days past late. 

XX/XX/XXXX XX/XX/XXXX Date of credit card opened XX/XX/XXXX
Product: Checking or savings account

I have opened an account just one week at the HSBC bank, I sold a vehicle and deposited the amount in the new account, 3 hours after receiving the amount they simply canceled the account, did not explain a reason and simply did not give me any dates about the return of my money. I was counting on the amount to pay my debts and now I was in a horrible situation. 
I have calling for branch, the customer service and anyone give me any info about.
Product: Debt collection

I made an arrangement with XXXX and will upload the agreement. XXXX stopped all of a sudden and was sent to Credit Control who said they heard nothing regarding the agreement with XXXX. When I called the primary holder of the debt the man I spoke to acknowledged the payments made but not agreement that I have in writing and told me I am facing default and legal action. This is all a bunch of misinformation and falsehoods. 

I have the proof right here. 

{$3900.00} was reduced to {$1900.00} this was all done as soon as this was about to fall of my credit so I was tricked into this agreement with threats, to allow for the loophole to make the clock start again even thought it had been over 7 years and was no longer on my credit report. But I work a program of fiscal amends and I went along with it, not knowing this was all shady.
Product: Student loan

I was led to believe that I would receive loan forgiveness after 10 years of payments and 10years of XXXX XXXX. I worked in XXXX XXXX for more than 25 years before I retired at age XXXX. I received only 7 years of work credit. I'm now told I don't qualify for forgiveness because I have to be actively employed.
Product: Mortgage

XX/XX/XXXX, {$3200.00} was erroneously deducted from my escrow account with Newrez LLC for a force-placed insurance premium even after I provided verification of continuous coverage through my own insurance policy with XXXX underwritten by XXXX A copy of my policy and payment was provided to them via email on XX/XX/XXXX. I was never contacted nor was my account credited/corrected. An escrow analysis was done in XX/XX/XXXX where I was cited for a shortage amount increasing my mortgage roughly $ XXXX month to make up the difference. Had the proper refund but provided, there would not have been a shortage amount but instead an overage. Reawakening the matter for me, I submitted on XX/XX/XXXX, another copy of verification of insurance to the XXXX in hopes of getting this fee returned. I submitted to this portal under customer service advisement. Still, my escrow account was not credited back the {$3200.00}. I began contacting them again weekly starting in XX/XX/XXXX up until as recently as yesterday to no avail. This contact is being done through their website for which no proof of submission is provided except the occasional acknowledgement receipt and empty promise to respond. This matter has persisted for over a year and is a CLEAR violation of law 1024.17 ( e ) ( 1 ) ( ii ). I need my REFUND EXPEDITIOUSLY!
Product: Vehicle loan or lease

I contacted PNC Bank numerous times over XXXX XXXX to have my mailing address changed since I have moved and no longer receive loan statements from them. For the last XXXXXXXX XXXX, I have called and spoken to their XXXX XXXX XXXX and they indicate that they have my correct mailing address ; they have no idea why I'm not receiving loan statements, and they have never experienced this problem. I know the statements are being mailed to my old address because the residents there have notified me that they still receive my loan statements. I request that PNC Bank change my mailing address and send me loan statements.
Product: Debt collection

Credence debt collector is claiming that there is a debt of {$420.00} owed for XXXX XXXX from XXXX years ago. When I used XXXX XXXX last was in XX/XX/2022, my last payment from XXXX address in XXXX was {$7.00} that was paid in full before relocating to TN. This balance of {$420.00} only recently showed on my account with the last few months. They are claiming that the information is true without any additional information of where these debts come from or what address they are associated with.
Product: Checking or savings account

XX/XX/XXXX {$800.00} is removed from my Bank of America checking account. The description is " XXXX* XX/XX/XXXX PMNT SENT Visa  XXXX NY ''. The type of transaction is " Debit Card ''. The transaction category is " Cash, Checks & Misc : Other Expenses '' My XXXX app does not show any record of me sending {$800.00}. 

XX/XX/XXXX I file a claim to dispute the charge. 

XX/XX/XXXX A temporary {$800.00} credit is applied to my account by Bank of America. 

XX/XX/XXXX Bank of America deems the transaction non-fraudulent and closes the claim. The temporary {$800.00} credit is removed from my account. They say that the documents detailing their resolution will be mailed to me.
Product: Debt collection

My original debt ( amount {$860.00} ) was with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ) for early termination of my lease in XX/XX/XXXX due to a job transfer.

On XX/XX/XXXX, I personally delivered a cashier 's check for the full amount amount which was signed by the Assistant Manager on duty. I also have a letter from XXXX  which they faxed to my current renters showing that I have a XXXX balance with their company ( attaching copies ).

A couple of months later ( after payment ), I started receiving call/mail from National Credit Systems in an attempt to collect this debt. I kindly explained the situation and sent them copies of the paid amount via cashier 's check. Till this day they continue to contact me me via calls and mail even after I've submitted disputes via the 3 credit bureaus and even hired a credit repair agency which also sends letters on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Product: Mortgage

I am enclosing XX/XX/2019 dated fax from M & T Bank regarding instructions to wire Payoff to the Closing Attorney. This fax from M & T Bank " clearly states '' that wire transfers received in our office no later than XXXX EST to be processed the same day. 
The payoff amount wired was received on XX/XX/2019 and it should have reflected " Paid in Full '' no later than XX/XX/2019 and " NOT '' XX/XX/2019. 
M & T bank fraudulently started Foreclosure proceedings on reference subject complaint on XX/XX/2019 when they actually " had full payoff amount '' of the subject mortgage, and their excuses are nonsensical as to why the payment wasn't posted on XX/XX/2019 when in fact they did not post payment ASAP. 
In addition, M & T bank has " NOT '' given within Sixty ( 60 ) days of payment of payoff received to XXXX County, GA Superior court a Satisfaction of Paid in Full to Release Security Deed as required by Georgia State Laws. I have sent a certified letter to M & T Bank requesting Liquidated Damages per Georgia Law.
Product: Student loan

My student loan was forgiven this year due to Borrower Defense student loan discharge. My balances kept changing. I never received any notification as to why balances were changing. I did download my student aide information multiple times. On XXXX XXXX my MOHELA loans were discharged in complete for the IDR plan and making payment for 25 years. It took months to get the {$700.00} I had paid after the discharge back. I had to write MOHELA to figure out what exactly discharged my loans and they eventually sent me a letter. On XX/XX/XXXX I recieved a random direct deposit doe {$3900.00} from XXXX XXXX  XXXX XXXX pay. I did not receive a letter from student aid. Gov nor did I receive a notification from MOHELA. I XXXX the payer and saw threads about this being from student loan overpayments. 

I was curious as to why I was getting a refund since my loans have had a {$0.00} balance since May. 

I logged on to MOHELA to discover that I now have {$26000.00} total in student loans back on my MOHELA account. Over {$9400.00} is from interest. This is also showing in the sudentaod.gov website. Locations that showed my loans discharged are now gone. They have sent no communication to me by main or email. 

It shows my loans in forbearance until XX/XX/XXXX. When I click the make a payment button it says that due to the status of my account I need to call for account I queries or document requests. 


Other times when I have called Ive been on hold for a while. They are far from helpful. They are slow. 

They are now charging me interest since who knows when without ever notifying me. 


I would like them to be held accountable for the way they are handling student loans. I applied for borrowers defense in XXXX. Ive been strung along like the rest of my class who was a victim of financial aide fraud. I have all my documents from XXXX in XXXX. I have downloaded my stuednet aid data 4 times and every time it changes. It doesnt show what they have taken back and when. It just disappears like it never happens. I have screen shots of ever changing totals.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX  XXXX Bankruptcy ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax, XXXX and XXXX via certified mail and return receipt regarding a bankruptcy showing in the public record section of my credit reports. I asked them to validate this bankruptcy and to provide proof of this. I have asked for copies of documentation associated with this account bearing my signature. They simply verified this information by utilizing their automated computerized system XXXX and due to this they just updated it. I contacted the court to see if they indeed report to the credit bureaus. They sent me a letter back stating they do not report bankruptcies to any of the 3 credit bureaus. My XXXX XXXX information is frozen and I also opted out of them selling my information to anyone. These credit bureaus are reporting false information which is a violation of the Fair Credit Reporting Act. This public record needs to be removed immediately.
Product: Student loan

In preparation for student loan repayments restarting I loggined into my Mohela account in XXXX. I have been on a REPAYE plan because I need Income Driven Payments to qualify for PSLF. At that time my monthly payment was listed as {$75.00}, but there was a note stating REPAYE plans were being auotmatically moved to SAVE. On XX/XX/23 I received a letter stating my monthly payment was going to be {$820.00} due on XX/XX/23. Contrary to what i had been told they had not placed my loans on a SAVE plan but on a LEVEL plan, the highest possible monthly payment. At that time I recertified my income and asked for forbearance while that was being process. On XX/XX/23 I logged in and my payment was now listed as {$67.00}. This appeared to be a more appropriate payment amount per my income and I paid that amount. However, a few days later I logged in and my payment amount was {$810.00} with no due date listed. At that time I tried to contact MOHELA customer service and was on hold for 2 hours and unable to speak to a customer service representative. I submitted a complaint in writing as well. On XX/XX/23 I recevied a letter backdated to XX/XX/23 stating that I was being placed on Administrative Forbeance from XX/XX/23 to XX/XX/23 while my IDR application was being processed. However, when I logged on on Tuesday XX/XX/23 my account now says that I am past due {$750.00} which was due on XX/XX/23. This is the first time I am seeing this amount and as of last week no due date was listed. According to my received documents my IDR application has been successfully processed and I have what appears to be my new monthly payment. But according to the home page I am still past due. I tried again to speak to a customer service agent and when I called my account is showing delinquent per the automated message, but I was still unable to speak to a person after an hour on hold. I submitted another written complaint through Mohela. I am still not certain if I am acutally in forbearance, if my payment has been fixed, or if this supposed past due amount ( listed after the due date ) will count against me becuase I can not speak to an actual person.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, I never authorized anyone to access my social. I would like for these fraudulent accounts to be removed immediately. I never gave any consent for any lender to access my report to add any inquires, accounts, or addresses please remove all of these items from my report. Be sure to read the following files attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  This complaint is my follow-up to my earlier complaint to verify the accounts.