23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called my Student Loan company Navient today because I wanted to ask about how to pay off my loan in full. I needed to also turn off my automatic payment which would come out of my bank on the XX/XX/XXXX to avoid over payment. I was told I would need to shut off my auto pay online only. I said I would send in the full amount for XXXX private loans adding up to over {$19000.00}. I was told I needed to sign in online. I just wanted address so my bank could send the payment correctly. 

I am on XXXX and have a lump sum settlement from my XXXX. Anyways when I checked online, it shows my federal loans paid off which is correct but my private loans are no where to be found. I have a XXXX balance with Navient. What my loans are being moved? No contact, not even told this on the phone. 

So how do I get the loans paid off, I do not want those automatic payments coming out of my account I notified them in time to stop them before the XX/XX/XXXX. I want to be done with this craziness. Ugh! Hate this company, horrible to work with, horrible customer service. Was never like this with XXXX. Can you help me find my loans? I am sure you will be better help they their are! I have another small XXXX with another company XXXX something or another for just over {$700.00}. I sure hope I can pay that off with out a hassle. I just want to pay it off so that my XXXX income can just go to meds, doctor bills, food, and XXXX rent. Imagine this I want to pay them completely off and they did not have the decency to tell on the phone they have been moved elsewhere? No go fight with their horrible website to then find out that you can not shut off the automatic payment. Guess I am calling the credit unit to stop the transfers. Horrible company. 

P.S. My father is retired XXXX, and a co-signer. He took me back in when I became too sick with XXXX 's XXXX. I just want to break free from these loans so that they do not impact his retirement or credit. It will give me piece of mind after I move into XXXX housing next month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in writing letters to the main XXXX collection agencies and the companies that have been putting the inquiries on my report that I'm not aware of. They are telling me they can not be remove and are verified. I'm not sure how it was verified but I have asked on several occasions on how was the inquires validated and then there is no response because no one has proof I even applied for this credit and failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau Trans Union has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX  XXXX  explaining and showing I was not late. Trans Union has removed it 4 times however, they continue to reported again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.
Product: Credit reporting or other personal consumer reports

Ive submitted my dispute XX/XX/23 with no response or proper updates to my credit report.
Product: Credit card or prepaid card

On XX/XX/2022, I lost my Chime debit card. I made the initial request to receive a replacement card the same day. A week later, there was an attempted transaction which was declined due to the perpetrator not knowing my personal identification number. I informed the company via email and they did nothing but parrot the same requests for identification which was once again provided upon request. On XX/XX/2022, Chime was sent all the info requested including a photo of me holding my current State ID card to confirm my identity ; as they requested. Simultaneously, numerous emails were sent attempting to resolve the issue, including re-delineation of my XXXX ID and all other info requested by Chime. The company kept requesting the same information, by different representatives, after it was already sent via email. The amount in question is approximately {$79.00}.
Product: Student loan

Ive had several calls stating I need to pay but first send in documentation. The First call was from a man that gave me an email the second was from a woman that gave me a website. Neither of them were helpful and I got different information concerning my student loans from each one of them. They threatened me by telling me that if I don't start paying that there will be consequences with my account. After I had told them i was not employed and was barely feeding my children they were still adimit on telling me to borrow money from someone to pay it.
Product: Checking or savings account

They over charge me for reversal of excess credit due to merchant credit claim but there was no merchant for that claim. XXXX XXXX XXXX XXXX was the claims price and the second one was for XXXX never got a claim number for that one been dealing with this for two months now bills paling up noway to pay my bills they took the last 2 checks from me and they owe me over XXXX XXXX  this is real stressful. Bout to lose my car and house no bills getting paid. 
XXXX XXXX XXXX XXXX For the last two weeks they been saying it going to the higher ups to review now it's been 12 days since then.
Product: Mortgage

My mortgage company 's " Loan to Value LTV calculator '' is incorrect and deceiving. 
Attempting to pay a lumpsum to bring my mortgage to 78 % LTV in order to remove my mortgage insurance, using the provided " Loan Calculator ''. I submitted in excess the required amount to reach 78 % Loan To Value, yet the Loan Calculator is now displaying a new amount to reach 78 % loan to value. I previously experienced issues with this bank regarding their failure to submit my property taxes on time.
Product: Credit reporting or other personal consumer reports

I RECENTLY REQUEST INFORMATION FROM XXXX AND EXPERIAN FOR REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT AND BY THE FCRA, 15 USC 1681i ( 6 ) ( b ) ( 3 ). I HAVE COPIES OF EACH ACCOUNTS THAT I HAVE ATTACHED BELOW
Product: Debt collection

I sent a email to ask for a debt validation letter because I received a letter in the mail saying I owe the debt and how to contact them for a debt validation letter. they never responded to my inquiry and instead sent a debt Validation letter to a email I was no longer using without letting me know I can dispute and also did not include the debt also belongs to a secondary party. On top of this they included photos of the apartment to add fees. And I took photos that do not match the damages theyre referring to. I was willing to pay a quarter of this debt, but I am not responsible solely and this is affecting my credit. I also was on unemployment due to being fired because of XXXX during this period and my compensation was not enough to cover the full amount of rent. A application for rental assistance was in process as the secondary holder refused to assist with payment. I will include all documentation showing my last receipt which reflect every payment was made by me, any additional proof I am able to provide. I will also include the debt letter sent to me without the option to dispute. I will also include the request for debt validation that was never responded to via the same form of communication.
Product: Credit reporting

I recently discovered an outstanding debt on my credit report. XXXX XXXX said I owed them {$420.00} and assigned the debt to a collection agency. I never have had XXXX and they will not respond to my requests to verify the debt is mine and Experian also will not remove this fraudulent issue from my credit report. I am in the process of filing a complaint with the FTC, and will be filing a police report as well. Is it possible the CFPB can help me with this. As soon as I receive a copy of the police report I would be willing to share it with you along with any other documents.
Product: Mortgage

On XXXX XXXX I refinanced my House to pay off Debt. The mortgage was done with XXXX, ( Bankrupted XXXX ) The Closing company was with XXXX XXXX XXXX ( Bankrupt XXXX ) And the Title Insurance Company was XXXX XXXX XXXX ( Bankrupt XXXX ) Wells Fargo Home Mortgage who purchased the loan on XX/XX/XXXX and has serviced the loan until XX/XX/XXXX. I sold the House on that day and had found out that in XXXX I had paid to have outstanding debts paid for and settled to obtain this Mortgage. Satisfaction letters were never filed and were still open. I paid these debts which are shown on my Hud Statement. I  was able to obtain satisfaction letters for 2 of the 3 outstanding liens but the 3rd and largest for {$52000.00} to the House of XXXX XXXX has not been. ( Payoff Amount was {$25000.00} ) XXXX XXXX passed away in XXXX of XXXX. I am trying to find where the records of XXXX XXXX XXXX would be, who has possession of them? ( The closing company ) I need a copy of the canceled check to House of XXXX XXXX showing that it has been cashed and satisfied. More importantly if there is a Satisfaction letter in that file. My money is in Escrow and will remain there until I get this Satisfied. I was hoping that Wells Fargo would have the files and I could get a copy. I don't think they could find any of the files including my mortgage note .... Can you please help me with this matter??? I don't think that XXXX XXXX XXXX canceled checks and files would have been destroyed, but who has them????
Product: Vehicle loan or lease

XX/XX/XXXX - purchased used car. Paid {$1300.00} down for a XXXX XXXXXXXX XXXX on same day. Was told by the finance guy, XXXX XXXX XXXX  XXXX - XXXX ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, fl ) that payments would be once a month ( I am a retired veteran who only gets paid on the first of the month ). I agreed to a {$9000.00} price on the car while perusing the car lot. I went to see XXXX at this car dealership because Ive known him for 20 years and purchased from him before. 

XX/XX/XXXX- was informed by mid-Atlantic financial that my loan was sold to them and to check my contract - that the car was now {$16000.00}. ( After paying with interest - total will be {$24000.00} ). I also was informed that payments would be every other Saturday- which is not the way I entered into the agreement at the car establishment. I realized that the best course of action would be to get payments once a month- so that I could honor a car deal and pay on time. 

XX/XX/XXXX - payment was due. I made a {$270.00} payment on XX/XX/XXXX. Found out there would be an additional {$6.00} charge on each and every payment I make. Now the total is XXXX. 

XX/XX/XXXX - made another payment of {$270.00}. 

XXXX XXXX I spoke to XXXX from XXXX XXXX  and asked him to please rewrite the contract to reflect once a month payment. He hung up. Since, he has not answered 15 calls to his business or returned my calls. 

XX/XX/XXXX - mid Atlantic financial is hounding me for another payment and as a retired veteran - I do not receive payment until the end of the month. Im facing penalties and no one will help rewrite the contract so that I can make my payments on time. 

Ive offered to return the vehicle to XXXX XXXX  ( XX/XX/XXXX ) after finding bug infestation, broken lights, faulty brake system with warning lights that wont turn off. XXXX XXXX said it would be a voluntary repo without any return compensation of the {$1800.00} paid to date on the car. ( 4 weeks of use at that date ). 

My car registration has been held hostage for 4 weeks without a phone call to arrange pickup from XXXX XXXX. Again - no one will return my call - or answer. 

Im asking that contracts be written according to the terms that I laid out - and XXXX agreed to. This is swindling a consumer. I have paid {$1800.00} towards a vehicle I have only owned for 6 weeks, over 10 years old, faulty, and need the help of someone from government to help me get results from either or both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters to all three credit reporting companies. Transunion, XXXX, and XXXX about fixing the inaccurate information on my credit file with XXXX XXXX of jewelry. wanting them to fix incorrect information that displays on my file. I get a generic response back saying the information is correct and verified but '' Date last updated '' shows XX/XX/2018. if a proper investigation was done the date updated should show a date within XXXX  days from when the letter was sent. XXXX standards of reporting are certainly unlawful, unethical, and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethical resolutions and awards of at least {$1000.00} per still unproven, untrue, inaccurate, untimely, incomplete, or else wise not compliant item reported that is hereby now being challenged.
Product: Credit reporting or other personal consumer reports

Please delete your info on my credit report Experian XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I was disheartened to discover unauthorized inquiries on my credit report without any clear reason. I regularly check my report, but this time, unexpected discrepancies appeared. I refreshed my browser, hoping it was just a glitch, but the unauthorized inquiries remained. I'm requesting that the documents Ive submitted be reviewed thoroughly so I can put this concern behind me for good.
Product: Mortgage

I did a refinance and my loan was transferred to Mr Cooper. At the time of the refinance I clearly indicated that the sole reason for the refinance is to be set up on Bi-weekly payment to rapidly payoff my mortgage. At the time was informed not a problem. The problem is this never happened. I emailed Mr cooper XX/XX/21 of the error that needed to be rectified. I did not get a response. Followed up again with multiple messages and email and was informed there will be a charge for the bi-weekly set up. It is false and misleading. At no point anywhere in my emails or contract I signed was there an indication of a fee. The unfair practice needs to be stopped. Was promised a call back once there is clarification per the error on their part. I did not get one even paid my mortgage 30days ahead as I was instructed to do by the representative of the company yet nothing till date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called multiple times and I was advised by your representatives to submit my disputes via letters. I've been sending you guys letters for the past 7 months and no one helped me or even deleted anything from my report. This is ridiculous I can't take this anymore. I want to buy a house and this is holding me back from doing so. Therefore if these accounts are not deleted within 30 days I will take legal actions and file a law suit if needed. Credit reporting rules require that every effort be made to guarantee that the information disclosed is entirely accurate and correct. Only 100 % accurate credit information may be reported by agencies. This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I disputed some inaccuracies and unclear items on my credit report in a letter, and more than 60 days later, I haven't heard back. I feel victimized and my complaints are being disregarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credt Reporting act XXXX account number # # # # # XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, has violated my rights to privacy which is lawfully illegal. 

FEDERAL STATUTE CODE 15 U.S.C 1681 section 602 A States that I have the right to privacy and by reporting my personal information to anyone or any bureau without me consent puts my life in danger and violates FEDERAL LAW!

FEDERAL LAW 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without the consumer written instructions/consent! I never consented to such illegal activity being forced upon me! 

Since this debt is disputed pursuant to the Fair Debt Collection Practices, You are required to cease all collection of these alleged debts which INCLUDES, reporting to my consumer report and approving any CRA to do the same. 

Thereby inform you that you do not have my consent to communicate with n. through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft and is a safety risk to my family. I also DID NOT consent to you to report or furnish any information in my name to the any credit agency.
Product: Checking or savings account

I filed a claim with Wells Fargo regarding a merchant who charged my card at a restaurant when the manager told me my transaction would be voided out the system. However that did not happen the transaction posted to my account I have pictures of the raw food I have names on the management team and yet my claim is Denied
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On reviewing my last bill, I noticed that XXXX XXXX had charged us {$39.00}. Neither my wife nor I had authorized this charge, and I submitted a dispute to American Express. 

American Express did not investigate but on the day after my complaint reinstated the charge, solely on the basis of a document ( referenced in the attachment ) with XXXX XXXX ' name and the amount of the charge and our American Express card number. I immediately renewed my complaint through the American Express chat function, explaining that somehow XXXX XXXX had my card number but that we were not receiving any services or publications from XXXX XXXX. 

I received no response to this second objection through the chat function.
Product: Checking or savings account

Citi Reference Number : XXXX and XXXX This would be my sixth complaint/response to CFPB and Citi Executive Response Unit ( CERU ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BACKGROUND ( SUMMARIZED ) Citi practically stole my savings account for 63 days by freezing it without my consent. I had no access to it and was provided no useful information or was offered a real way to resolve the issue. In over at least 15 phone calls, correspondence, and complaints, I hit dead ends for all of them. 

As a result, I suffered a monetary loss in the amount of {$600.00}, the opportunity to earn interest in the amount of {$300.00} ( by putting it in a higher interest account ), and I have lost HOURS of time in making multiple calls and writing correspondence that Citi does not seem to take seriously. In addition, my account was terminated without cause. I am looking to be compensated for my monetary and time loss stated above. 

I am suspecting illegal asset freeze ( see other similar complaints in XXXX and CFPB by other customers ). For the unexplained account closure, I am suspecting discrimination. 

For more detailed background, I have provided comprehensive explanations and complaints here : CFPB complaint # XXXX, XXXX, XXXX, XXXX, XXXX ; XXXX  complaint # XXXX, XXXX. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- MY MESSAGE TO CITI I will simplify this complaint to the REAL ISSUE here, and I would appreciate your direct and transparent response without avoiding the issue or putting the blame on me not following instructions ( because I did ) : Why did you freeze my account for 63 days without my consent and without providing a way for me to resolve the issue? DO NOT tell me that I did not follow your instructions to call the number you provided, because I did even before you told me to. 

There you go, plain and simple. 

I am still waiting for your call to resolve this matter in person. I really don't understand why we need to communicate via CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  {$610.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX No action was taking by neither company I despised milyiple times staying fraudulent account and address not made by me need to get this off my credit at once.
Product: Checking or savings account

I deposited two checks on XX/XX/2022 to my Fifth Third checking account. One from my mother for {$1500.00} and another for {$480.00} from a settlement. My account at the time was overdrawn by {$270.00} and while I had thought perhaps one check might be held I had deposited several checks from my mother that were not so I had no expectation there would be any problem. 

Imagine my shock when I checked this morning XX/XX/2022 my deposit shows as pending but I am still negative. I received no text or alert and they are holding not one, but both checks until XX/XX/2022. This is deliberately keeping my account negative and will cause more transactions, including my car payment and an IRS payment to be returned when I should have more than sufficient funds to cover both. 

My account has been open for almost a year and I receive direct deposit of my paycheck and never had any check I deposited returned. This seems manipulative and predatory. 

I spoke with a branch representative when my account was new and I had a hold on a mobile deposit. He specifically told me if I did not use a mobile deposit I would not have a problem. 

I am going to have fees from both Fifth Third and various companies if these bills are returned unpaid. I reached out to them and explained everything and they basically said too bad it is what it is. I received nothing when depositing or after that these would be held.
Product: Debt collection

I have sent two different correspondence ( XXXX XXXX & XXXX XXXX ) informing that the information pertaining to XXXX/OPPLNS acct # XXXX, is incorrect and reported wrong on my credit report. These inaccurancies are highly injurious to my credit rating. I have asked for them to be removed but that has not happened The high balance listed is : XXXX - {$0.00} XXXX - {$1500.00} XXXX - {$2100.00}
Product: Debt collection

Regarding practices of Attorney XXXX XXXX XXXX, XXXX XXXX # XXXX. XXXX collected numerous debts on behalf of XXXX XXXX credit card against XXXX XXXX XXXX. XXXX XXXX is on social security and had only the social security payments as assets in her account. He garnished ( against government rulings ) her account in excess of {$3000.00} leaving her destitute, and at the same time put a hold on her safety deposit box. Upon being contacted by the FTC, the bank quickly reimbursed her the funds, but this was wall after she had to borrow money to make up her monthly stipend. Attorney XXXX stated in his answer to FTC that he would remove the hold on the safety deposit box. This has not been done to date and he is holding not only her belongings, but those of her daughter and grandson. He needs to follow up on his word and take the hold off of the safety deposit box immediately. He is an unethical attorney who preys on the most vulnerable and he should be sanctioned for his tactics. His company is called Legal Recovery XXXX and is located in XXXX XXXX. After a year has passed with nothing done to release the safety deposit box, I am refiling this complaint.