23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

It seemed as though my loan never went down even when I was paying on time each month. The amount owed stayed very close to the total loan amount. At some point, due to the profession I am in, loan forgiveness may have been an option, and that was of course never recommended to me. Nothing was. 

Once they became Navient, they were very unwilling to work with me. I asked about lowering my monthly payments, explained my situation, and I was literally laughed at by not one, but three different employees. I asked what my options were, and they never informed me of a deferment, other payment options, forbearance or anything. I did not realize these were options for private loans until it was too late. I was spoken to in a very rude and disrespectful manner and threatened. They told me they would take my house and anything else to get the money if I did not pay it back. When I explained that I had XXXX children, and would the really put a family of XXXX out on the street rather than work with me, I was told yes. I continued to ask them to take a smaller amount than the monthly payment and they refused. I assured them that I just needed them to work with me, I was not refusing to pay. I eventually paid the amount online that I was able to pay. When someone called me back and it was discovered that I paid something toward the loan, they were again very unprofessional, and refused to work with me. The person I spoke to was very upset that I had made a payment. The following month when I was unable to make a payment, instead of working with me, they turned me over to a collection agency. I am now trying to come up with some type of arrangement, but the damage is done. I am absolutely dumbfounded by their lack of respect, professionalism, and willingness to inform their borrowers of options that were available, then throwing me under the bus the first chance they were able. In addition, the threats and disrespect was very uncalled for. 

My advise would be to never do business with Navient and XXXX XXXX. They are very unprofessional, and will do everything to get your money, trap you with not allocating payments correctly so that your loan stays at a high unpaid amount, then not work with you and provide all of the information and options when needed. Please learn from my experience and stay away from this company.
Product: Checking or savings account

My employer sent my weekly direct deposit check to capital one on XX/XX/year>. It is XX/XX/year> and i have yet to receive my check that i worked hard for. Capital one has already accepted the deposit from my employer so i can not cancel the deposit to get a paper check from my company. Capital one is gaining interest on my money that i dont have access to and this is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2020 Did not approve of this
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020
Product: Debt collection

On XX/XX/2022, I emailed Professional Finance Company a receipt from the provider Preferred Imaging showing I have a XXXX balance. Then I called Professional Finance Company to verify the email was received, which they confirmed. I disputed the account with all three credit reporting agencys, and Professional Finance is still reporting that I have a balance. I called today and was told the date of service doesnt match the date XXXX XXXX is reporting to them. I only visit XXXX XXXX once on XX/XX/2022.
Product: Vehicle loan or lease

I am writing to express my extreme dissatisfaction and frustration regarding the recent repossession of my vehicle by Union PennFed without any prior notification. This incident has left me perplexed and deeply concerned about the lack of communication and transparency in your organization 's processes. 

On XX/XX/XXXX, Union PennFed representatives arrived at my residence and repossessed my vehicle without any prior warning or notification. To add to the confusion, I was informed that there is an outstanding payment issue, specifically related to a payment that Union PennFed claims they never received. However, I have evidence that the payment in question was deducted from my account on XX/XX/XXXX. 

I have taken the initiative to request an audit of my account on two separate occasions, but unfortunately, I have not received any response or acknowledgment from Union PennFed. The lack of communication and failure to address my concerns is not only unprofessional but also extremely distressing for me as a customer. 

I would like to highlight that the payment in question was indeed withdrawn from my account on XX/XX/XXXX, and I can provide documentation to support this claim. It is baffling that Union PennFed insists on not having received the payment while my bank records clearly indicate otherwise. 

I am requesting a thorough investigation into this matter, including a detailed audit of my account to identify the discrepancy and locate the missing payment. Additionally, I urge Union PennFed to improve its communication channels and respond promptly to customer inquiries and requests. The repossession of my vehicle without proper investigation and resolution of the payment issue is both unjust and unacceptable. 

I expect a swift and satisfactory resolution to this matter. If necessary, I am prepared to escalate this complaint to higher authorities and explore legal avenues to protect my rights as a consumer. 

I appreciate your prompt attention to this serious matter and look forward to a timely resolution.
Product: Credit card or prepaid card

On XX/XX/2021 I applied for a credit card through XXXX XXXX XXXX XXXX XXXX  for a 10 % discount on a purchase. They turned me down and in the letter I recieved about 3 weeks later they said my it was because : To few revolving accounts, To few bankcard accounts ( I have several ), Distance between applicants address and area code of phone number ( my area code is the correct one for my address ), Number of inquiries ( I have had no inquiries in about a year or better other then automatic ones from my active credit cards and my morgtage ). In the refusal letter my credit score was said to be XXXX. My current XXXX credit score is XXXX and has been that way or even better for many years. I feel very strongly that XXXX XXXX  is just collecting my personal information and that the company who they use for credit reporting just gave me lies.

My complaint is against the following : XXXX XXXX XXXX XXXX Sagestream/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  ; 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 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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate. ( Marked as derogatory when it was paid to date and closed without debt ) Change or delete Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not have permissible permission to access my credit report on XX/XX/XXXX. After 4 years, Experian continues to label my complaints as duplicate or passes the buck by stating " we contacted the data furnisher ( s ) or public record ( s ) vendors and asked them to verify the accuracy of the information with which you disagree. They responded and stated that the account is to remain as is. The result summary was sent to you on XX/XX/XXXX for review. '' This is not true. I have yet to receive the permission for Experian to give my credit report.
Product: Money transfer, virtual currency, or money service

Venmo was attached to my XXXX account. On XX/XX/year>, someone gained access to my XXXX account ( I am unable to access my account now ) and made some unauthorized purchases in the amount of {$810.00}. I received a notification on my phone from Venmo saying they had denied payment on a charge to XXXX, then I logged into my Venmo account and found unauthorized charges to XXXX that had been made within that hour. I immediately called Venmo and told them what had happened. I also immediately notified XXXX by phone. I also stopped payment to Venmo with my bank. I got an email from Venmo on XX/XX/year>, saying they didnt find the charges to be unauthorized and they want me to pay them the {$810.00} since I stopped payment. I didnt make these purchases and I told them immediately, so I feel like they could have stopped payment on their end and notified XXXX XXXX the transaction could be stopped. They had asked for some other information, but they didnt even give me a chance to provide it, as they just denied my claim.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of credit report and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts off of my credit report, they are hurting my ability to obtain credit.
Product: Debt collection

The firm of XXXX Arnold Harris not only filed this garnishment with false information, they knew my correct address at the time of filing but chose not to inform me so I could dispute the claim. They have a document that does not add up to the amount the received. The court document shows a judgement of {$1800.00} plus their fee of {$840.00} for a total of {$3600.00}. I 'm sorry but where I went to school that only adds up to {$2600.00}. Then not only did they over collect for that amount they received an extra {$95.00} over the {$3600.00}. I have given them plenty of time for them to refund all of the overages but as I figured their dishonest approach to collections also includes theft. I have read a lot of the complaints of this company and wonder why they are still in business. I thought these underhanded thug like tactics were against the law and why the CFPB was created. this company has violated every collection policy they can and should be held responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I and family were battling XXXX. My caretaker was not instructed to call Navy Federal to defer payments. Neither did she use my sickness to garner sympathy. What she did was paid everyone of my bills. When she paid my credit card with a outside XXXX XXXX it was accepted. When she paid my consolidated loan XXXX XXXX rejected it because of a stop payment to the loan account I had requested 1 year prior. A stop payment that should not have still been in place 1 year later. Navy federal notified that payment wasnt received, instead of notifying payment was rejected so my caretaker can make an accurate adjustment. She just made the payment again using the same account so 2nd attempt is rejected as well. Navy federal didnt assist me how they assist others during the COVID 19 pandemic. Others who dont have money are afforded the opportunity to get deferred, the payment gets put on the back of loan and there credit is restored. They do not tell the credit bureaus that payment is late, better yet the payment history is masked. Navy federal never tells a borrower with no money issues that its against the law to mask a report. They just do it. But for me during my XXXX XXXX XXXX they said its against the law to help me. They accused me of asking them to alter a report. So is it fair to say Navy Federal is altering reports for some and not all Navy federal consumers.?? What makes me different? I was XXXX and although I didnt need money I needed help during that time. Navy federal has said I have their sympathy but nothing further. Now my account with excellent payment history is in shambles. Stop payment isnt a insufficient funds or closed account so why treat it with the same severity?
Product: Debt collection

Received letter at a family members address from XXXX district court about a court case started in XX/XX/XXXX. The letter was a change in attorney. The plaintiff is Pallisades Collections. The defendant is a business i dissolved inXX/XX/XXXX. I have not received any detail about the bill to verify it is still owed. It is XXXX. Anything beyond six years is uncollectable. The statute of limitations is 6 years.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have asked that they provide the purchase agreement to show full ownership of such amount and other documents so I can review to see if this account belongs to me but they fail to do so.
Product: Student loan

Mohela is refusing to abide by rules set by the US Department of Education. According to Studentaid.gov, the earliest date for recertifying an IDR plan is XX/XX/XXXX. However, despite this guidance, my Mohela account shows a recertification date of XX/XX/XXXX, and Mohela has stated that they will not be pushing out this date, despite my pointing out the Department of Education 's guidance. 

Website : https : //studentaid.govXXXX XXXX XXXX XXXX When do I have to recertify my IDR plan? The earliest you could be required to recertify is XXXX XXXX XXXX On your account ~~My Aid~~ page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX XXXX, that date will be pushed out to XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of dispute, in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They told me that recovering these lost funds were impossible and tracking these transactions were unfeasible.
Product: Student loan

Account Name : Dept of Ed / NELNET Account # : XXXX Account Name : Dept of Ed / NELNET Account # : XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of th 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 listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file for accuracy and asked all three credit bureaus to validate accuracy. After further review, some items were removed off some bureaus but others remain. according the FCRA, all information must be the same on each credit report. If one bureaus finds inaccurate information or delete information it must be shared between all three bureaus. i have provided a copy of the investigation results as well to the bureaus. 

XXXX : XXXX, DELETED by Transuion, remains on XXXX and XXXX XXXX : XXXX, DELETED by XXXX, remains on Transunion and XXXX
Product: Mortgage

I received a letter from the mortgage company stating that I had the right to purchase my own insurance to cover a lapse in coverage due to transfer of the loan to this company. I was unable to purchase coverage for the previous year for the months of XX/XX/XXXX to XX/XX/XXXX. Therefore, I allowed the mortgage company to charge me {$270.00} to cover the lapse and I purchased coverage for this year XX/XX/XXXX to XX/XX/XXXX, which I paid in full XXXX XXXX. 
I am still being charged monthly for insurance coverage. Why??? I was told because there was a lapse in coverage. But I received a letter stating You have the right to independently purchase acceptable insurance from the insurance agent or company of your choice and we urge you to do so. 
I dont understand. Please help me. Please.
Product: Mortgage

In XXXX my wife and I told Bank of America that we could no longer make our mortgage payments. The reason being I have health reasons that take include XXXX and I have XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX in my XXXX ), XXXX XXXX XXXX XXXX in my XXXX, and XXXX XXXX XXXX in my XXXX All these problems require a specialist. We live on social security and my wife has a small XXXX dollar pension. All we have heard or gotten from Bank of America is 5 letters wanting us to refinance! We have told them5 times now that the house is theirs we do not want it or can afford it! They continue to carry us as delinquent in our payments for all this time!! They have ruined our XXXX XXXX of the first things we asked for was a short sale. They sent us a refinance form! We sent item another letter stating that we did not want the house, to no avail they are now finally now starting foreclosure on us. How long are these Banks aloud to put of what the customer asks for?? It has been 22mounths since we turned the house back in to them and are still being carried as delinquent with a bad credit rating! I do not think this is right! I had to go to the VA. for medical help and prescriptions.
Product: Credit reporting or other personal consumer reports

I am sending this complaint to TRANSUNION regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. 

XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1900.00} Date Opened : XX/XX/XXXX
Product: Vehicle loan or lease

XX/XX/21 my car was in a car accident XX/XX/21 XXXX insurance deemed my car to be a total lost and issued a check for XXXX the check covered the car difference of what Ally was asking for. Ally kept the balance and wants me to pay additional fees of XXXX .My gap insurance was not applied and they kept my payment of XXXX I made XX/XX/21. They received more than what the car was worth.
Product: Credit reporting or other personal consumer reports

i was a victim of the equifax data breach and i check my credit report and found lots of innacurate accuounts and information, i sent of to EQUIFAX paperwork showing and proving that i was a victim and i will attacth all documents at the bottom. i am filling this complaint to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX bussiness days of you receiving this complaint. i have attached a copy of FTC identity theft criminal complaint # XXXX as proof from US federal trade commission that all of the aforementioned consumer credit accounts that where compromised as a result of identy theft, this is something that holding me and my family back and not able to refinance my home because no one will extend credit to me because of all of these wrongful and innacuracies in my report. as a victim of a breached in your company its sad to see that you guys are not taking responsability and I hope this complaint will serve justice and i can move on with my life.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and observed numerous inaccuracies associated with my account. These discrepancies are adversely impacting my creditworthiness and ability to secure credit. I trust that you will conduct an investigation into this account to ensure its accuracy. The specific account I am requesting verification for is the XXXX XXXX, identified by the Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016, XXXX XXXX XXXX  was opened. We had a car with them and surrendered the vehicle due to undisclosed information for the temporary insurance they provided. The agreement was for us to utilize their insurance until we found a company that would insure our vehicle under full coverage. At the time we only had liability. Our monthly payment was higher due to XXXX XXXX insurance. A few months later we gained full coverage with XXXX and called XXXX XXXX to give them the information and to cancel their insurance and go back to our regular monthly car loan payments. They told us they will not cancel their insurance it will continue on for the duration of our loan. We were outraged, we tried to speak with upper management. We was unsuccessful. We told them we would not continue business with them. They did not disclose that information nor did we sign any documentation stating their temporary insurance will stay on for the duration of our loan which meant we would have to pay two full coverage car insurance plus the car note payments. We told them to come and pick up the vehicle. We explained we placed new tires on the car, and replaced the car battery. They sold the car at an auction and did not include the updates. They then told us we had a remaining balance to pay them. We were again outraged. After a few months of searching for free legal representation, we received a notice of our credit report scoring plummeting tremendously due to XXXX XXXX placing us in collections. XXXX XXXX reported every month of non payment, even though we tried to state the fraudulent act they committed on us. We lost out on home purchasing due to them and as a result we had no choice but to pay the settlement amount they suggested to us in order for them to close the account and have it removed. It is XXXX years later, they still havent removed themselves from our credit and placed the account as a charge off. We paid them in full.