23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Similar to my last complaint, I am being actively refused transparency by Navient. On XX/XX/2020 I called to provide financial information for my enrollment in their Rate Reduction Program. This information did not differ from the information provided previously that maintained my eligibility for the program. I am not sure I actually provided this information, and Navient has told me two lies thus far about why I was denied : the first, when I asked on the first phone call, was that it had to do with my XXXX  score. I was told this by two employees, including a supervisor. That was false. Upon submitting my former complaint, I was then sent four documents ( attached ) stating that it was a failure on my part to comply with terms and conditions, which as stated to me entailed on time payments every month, which I provided. This claim was demonstrably false. I was contacted by a Customer Advocate who has sent me multiple documents ( attached ), all of which contain conflicting information about what information was provided initially, why I was denied, and apologies about their lies which ultimately amount to Navient saying whoopsie daisy about providing me blatantly false information in lieu of answering my questions truthfully. 

Now, they refuse to provide me the audio of the initial phone call so that I XXXX make certain that their claim of me having provided them the financial information ( prior to XX/XX/2020 when I emailed in a paper copy of it for review ) is true. I may be  misremembering that conversation and I dont see any reason why, if I am, the audio should be kept from me. After being lied to and sent in circles multiple times, you can imagine why I might not have faith that theyre telling me the truth. 

Finally, my initial question remains unanswered and I have been cause undue XXXX  and XXXX  by their inability to practice their business ethically. I still have not been told how and why it is that the same information that kept me in the program has suddenly pivoted to ejecting me from it. It doesnt make sense to me, and I have a feeling they know very well that it doesnt otherwise I dont know why they would lie to me this way. I can accept that they have decided to stop offering me the program - conveniently during a federal student loan payment and interest freeze which has resulted in the loss of revenue from interest and fees. Ultimately, the problem isnt that I was removed at this point, its the lies and deliberately misleading information I have been given and the information that is deliberately being omitted. There isnt a lot I can do about the ethics of a fundamentally unethical system that exploits students, but I can than demand better by advocating for myself and refusing to accept lies, non-answers, and evasion tactics designed to confuse me. 

I have attached copies of the documents I have been sent by XXXX XXXX and by Navient.
Product: Credit reporting or other personal consumer reports

Hello, In XXXX, I realized that my XXXX credit card had more than {$3000.00} in false charges on it stemming from a check ( it was not a checking account and had no checks associated with it ) to XXXX. It was my fault for not checking the balance more regularly ; I didn't check it because I never used that card. By the time I did, the fraudulent {$3000.00} had already been reported to the credit bureau. 

When I called XXXX to try to fix this, it took weeks and weeks of talking with them on the phone - they would not give me a contact person, so every time I called, I had to explain the entire situation again because they didn't keep notes. They told me to not pay the balance since it was fraud and would be removed from my account. Finally, after about 6 months, the fraudulent {$3000.00} was removed from the account and they sent me a letter ( attached ). But in the meantime, XXXX late payments were reported to the credit bureaus. I asked many many times for XXXX to change this, and they repeatedly said they had. Finally, I said please close the account, which at that time was at like {$50.00} balance and they said would disappear. It did not disappear. Note - XXXX removed this from my credit report. XXXX and Experian did not. 

Of course, 4 years later, the late payments and that residual balance are still on my credit report. In fact, when I tried to dispute it with Experian last year, they insisted that they talked to XXXX and that it was correct ( without providing any documentation ) and then all of a sudden a bunch of charge offs appeared on my account, making it worse. The initial charge off balance is now {$400.00} and seems to be continually going up, and no one will listen to me or help. They sent me no documentation other than the dispute results and a credit report ( attached ). 
XXXX opened XXXX disputes also confirming that XXXX was correct with no recourse and no documentation other than : Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX XXXX and the credit bureau say my account is closed. But this amount is listed every year as a charge off, creating more of a credit issue. I asked many times to speak to someone else at the credit bureau and at XXXX and they said it was not possible and refused to do anything about it. 

Experian XXXX is XXXX on XXXX Experian XXXX score is XXXX on XXXX XXXX XXXX report from XXXX  XXXX is XXXX XXXX score is XXXX I am truly frustrated and sad. 

XXXX XXXX
Product: Mortgage

Dear SPS, Per email received below from Alleged owner as stated by SPS - please respond to email as there is a number to contact provided as well as I have providing your information to XXXX XXXX Bank. XXXX XXXX bank is confirming they are not the owner of any note. Who is the actual beneficiary of payments and or foreclosure? 

SPS - Response to who is the owner of the note Noteholder In your inquiry, you requested clarification regarding your noteholder 's identity. XXXX, XXXX XXXX, as trustee, on behalf of the holders of the XXXX XXXX, Mortgage Pass-Through Certificates, XXXX XXXX is the noteholder of the account, and SPS is the mortgage servicer. As the mortgage servicer, SPS is authorized to collect all payments and administer the terms of the note and security agreement. Questions or disputes regarding the account and any request for mortgage assistance should be directed to SPS in order to ensure a timely response and resolution. 


XXXX Response - below Thank you for your recent correspondence. 

As per our database, you will need to contact the servicer for the address ( es ) listed in your email. The servicer info is as follows : Servicer : XXXX XXXX XXXX XXXX, Master Servicer Phone # : XXXX XXXX ( option XXXX ) / XXXX The servicer is the direct and only contact who would have the information you are seeking. XXXX XXXX is not an investor but a Trustee and therefore does not physically own the loan or the property. XXXX XXXX does not have any say in how the property is disposed, loan modifications, etc. This is the responsibility of the Servicer. 

If you were referred to XXXX XXXX by XXXX XXXX XXXX, please provide the name of XXXX XXXX XXXX representative for our records. 

Thank you for contacting XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Mortgage Backed Securities Fax XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my credit report and noticed there are numerous student loan accounts. I should only have XXXX is the only servicer of my student loans. I have XXXX student loans on my credit report that is reporting inaccurate information. They are saying that the account was delinquent back in XXXX but have no info on the report from when it was open. The accounts were open in XXXX but did not start reporting any info until mid XXXX. I have asked for this matter to be addressed. XXXX, XXXX, nor Experian has addressed this matter. I have disputed the info numerous times and only 1 account was removed from XXXX. All of the accounts associated with the Dept of XXXX should be removed immediately. It's showing late payments on my credit report and that the account has been transferred to now XXXX. The information on the report is inaccurate. The accounts were delinquent from XXXX to mid XXXX. The accounts are 7.5 years old and should be removed immediately.
Product: Student loan

On XX/XX/year>, I called Navients Office of Consumer Advocate at ( XXXX ) XXXX and requested the School Misconduct Discharge Application. 

I attended XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX which is an XXXX XXXX. ThXXXX XXXX XXXX  were found to be predatory institutions. 

I urgently need my Private Loans with Navient to be discharged, hence my immediate request for the application. 

Navient Consumer Advocates did provide me with the application because the school was a non-profit ( not true ).
Product: Credit reporting or other personal consumer reports

XXXX XXXX Reported : XXXX. XXXX XXXX + {$13000.00} Is reporting to my account fraudulent On my XXXX credit report it is reporting me as the authorize user which I have no consent to be so I am hereby requesting that you immediately block the following information from my credit report, as it is the result of identity theft, pursuant to Section 605B of the Fair Credit Reporting Act : [ List specific details of the information you want blocked ]. 
Please also send the required notifications to all furnishers of this information regarding the blocking of this data.
Product: Credit card or prepaid card

While on a ferry in XXXX, on XX/XX/2021, my husband purchased a soda at the ferry convenience stand for XXXX Euros. The vendor entered the incorrect amount and charge us XXXX Euros or {$4600.00}. I noticed the error on my card while in XXXX and called CITI bank on XX/XX/XXXX. We started a billing dispute. They determined it was consumer responsibility. I called back and Citi then advised me to submit the issue under the Fraud dept. I was required to shut down the card and he claim was moved to the Fraud dept for investigation on XX/XX/XXXX. On XX/XX/XXXX, they determined it was not fraud and referred me back to the dispute center. After multiple calls, they will do nothing to assist me with this error as I do not have a receipt. Not sure what difference this makes as the receipt would show the same charge, same date and same vendor as the statement displays. Its not a store or typical business where I can contact the merchant. Its a floating convenience store on a ferry. I have asked for help in this matter as its in a foreign country and they have resources to help track down this merchant and resolve the issue. 
Despite what Citi is stating, I believe this to be fraud. I was overcharged for a soda by XXXX Euros.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, EQUIFAX and XXXX. Please delete the following accounts : XXXX XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX Balance {$0.00} U.S. DEPARTMENT OF EDUCATION XXXX Balance {$4000.00} U.S. DEPARTMENT OF EDUCATION XXXX Balance {$6400.00}
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, while reviewing my credit report from XXXX, Experian, and XXXX, I discovered several unauthorized hard inquiries. These inquiries were made without my consent or knowledge and may negatively impact my credit score.

Actions Taken : Notification to Credit Reporting Agencies : In accordance with the Fair Credit Reporting Act ( FCRA ) USC Code 1681i, I have submitted disputes to XXXX, Experian, and XXXX. I have requested a thorough investigation into the unauthorized hard inquiries and the prompt removal of these inquiries from my credit report. 

Direct Contact with Companies : I have also directly contacted the companies associated with the unauthorized hard inquiries to inform them of the unauthorized nature of these inquiries and request clarification. This action aligns with the requirements outlined in the Fair Credit Reporting Act ( FCRA ) USC Code 1681s-2 ( a ).

Additional Information : Relevant USC Codes : Fair Credit Reporting Act ( FCRA ) USC Code 1681i : Procedures for Reinvestigation of Disputed Information Fair Credit Reporting Act ( FCRA ) USC Code 1681s-2 ( a ) : Responsibilities of Furnishers of Information to Consumer Reporting Agencies CFR Codes : 12 CFR 1022.43 : Duties of furnishers of information to consumer reporting agencies regarding the accuracy and integrity of the information furnished
Product: Debt collection

i have a new collection on my credit report that is not mine from check into cash this is not my debit and wish for it to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX on XX/XX/XXXX to look at a XXXX XXXX XXXX  XXXX pickup and a XXXX XXXX XXXX box truck. I wanted to test drive and negotiate as I wanted to pay cash. 

1. I was told financing wasn't an option as the autos were older than 10 yrs. 
2. The box truck was considered commercial and could not be financed. 

Regardless, I didn't want to finance the autos. If all worked out, I wanted to make a deal for both trucks-CASH -- NO FINANCING. 

Prior to test drive, the dealer required that I complete a credit application for no reason other than potential discriminatory reasons. I have never heard of anyone requiring a credit report prior to a test drive. They already obtained a copy of my insurance and drivers license. There was no reason to check my credit file. This was deceptive. I requested the dealership to remove the used car inquiry but they did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : This is my second complaint to CFPB about the same issue. And my 5th dispute with TransUnion TransUnion have yet to provide me with ANY copies of original documents ( a original signed contract with my signature ) as required by FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA TransUnion are required to PROMPTLY DELETE this Negative XXXX XXXX account # XXXX. 

Note : XXXX have Deleted this UNVERIFIED ITEM
Product: Debt collection

Back when I was in college I was misguided and took private student loans through XXXX XXXX XXXX. This was over 20 years ago. I fell into financial hardship and was unable to pay the loan. I did try working with the company and offered to pay something, but the company refused. The company filed a lawsuit which dragged in court for 10 years or more, looking at the loans the statute of limitation is passed. These loans along with other private student loans were XXXX in bankruptcy. XXXX XXXX forgave my loans but XXXX XXXX XXXX continued to come after me. 

On XX/XX/XXXX, the judge granted a judgement. At this point I had given up and had no argument. Plus, I hired an incompetent attorney who had no clue what he was doing. I couldn't afford to pay him anymore and I fired him. I filled out whatever paperwork they needed. I was ordered to pay I believe was a little over XXXX plus court cost. I noticed the paperwork asking if I was head of household which I am. Section 222.11 of Florida Statutes states that a creditor may not garnish earnings that include wages, salary, commissions, and bonuses payable to a debtor who is head of household. 

On Monday XX/XX/XXXX, I received a at XXXX PM I received a call from a company called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was working at the time and couldn't answer but returned their and spoke to someone by the name on XXXX XXXX at extension XXXX. I am doing whatever I can to put this behind me, so I wanted to hear what the agent had to say. She said they were willing to settle this debt with me due to a promotion they are running. We can settle for up to XXXX XXXX  I told them to give me a few says so I can speak to family in attempt to get this money. She put me on hold stating she was going to speak to the wage garnishment department. At that point I was confused. How am I head of household, and they are garnish my wages. She advised that the company was in process of filing for wage garnishment through my employer. I proceeded to ask the agent if the loans she is talking about was including the XXXX. She answered no. AT that point I questioned the legitimacy of the call because if I was ordered to pay back XXXX. According to what she is telling me the company is trying to charge me over XXXX. Something about this whole thing does not sound right because I had one of those cases/loans dismissed by court some time in XXXX. I am currently paying all of my household bills and providing care for my wife and three children while she is looking for work. I am in and out of the hospital, my most recent stay due to a XXXX XXXX. I can not afford my hospital bills let alone this debt that it seems the agent is tacking on more money that I owe. I would think that they would not use intimidation tactic and add money being that this is a law firm and we are working with a court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 15, 16 and 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1.  This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, per the FCRA, I notified PayPal Credit that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Product: Credit reporting or other personal consumer reports

This account as well after I Reviewed credit and information is believed to be inaccurate financial information about me. I have not taken a loan to my knowledge, sent letter via us mail as well as disputed with credit reporting agency.
Product: Credit card or prepaid card

This AMEX XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

AMEX XXXX
Product: Mortgage

Guaranteed Rate Mortgage company is saying I owe them {$150.00} for a drive by XXXX appraisal I never ordered nor was I made aware of. I was told by XXXX XXXX he could not help me with my mortgage a month later I took care of lien problem that was preventing XXXX from closing. His assistant told me she would be in contact. she never contacted me after two weeks I went with another company now I am getting soft credit pulls and a bill I was completely unaware of for {$150.00}. They never informed any such thing would be done or needed to be done.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Synchrony Bank and Living Spaces, where I was offered the credit card, for issues related to unexpected interest charges applied to my account and the lack of adequate notification regarding the terms of a promotional offer. 

When I signed up for their credit card at XXXX Spaces in XX/XX/XXXX, I was not made aware of the XXXX deadline for a promotional " no interest '' offer. Despite diligently making regular payments to reduce my principal balance and having no late payments, after the promotional period expired in XX/XX/XXXX, Synchrony Bank applied interest retroactively to the entire purchase amount. Since then, I have been incurring additional interest not only on the remaining principal but also on the large amount of interest that was added post-promotion. This situation has resulted in me paying interest on top of interest, which has significantly increased my financial burden. 

Moreover, I have experienced repeated difficulties accessing my electronic statements due to errors on Synchrony Bank 's website, which has been the only method provided by the bank to alert me of changes in my account status. This has significantly hindered my ability to manage my account effectively. Please see a screenshot of synchrony bank errors when trying to access my statements. 

In response to this situation, I have paid my account balance in full as of today to prevent further accrual of unfair charges. Despite my efforts to resolve this matter through customer service, including a conversation with XXXX XXXX, the Customer Service Accounts XXXX, I was informed that nothing could be done to address my concerns. This response is unsatisfactory and has compelled me to seek assistance from your agency. 

I believe that Synchrony Bank, in partnership with XXXX Spaces, has not provided adequate communication regarding the terms of their promotional offer and has failed to provide accessible and reliable customer service to address errors and concerns. I am requesting your assistance in investigating this matter, and I hope for a resolution that includes the refund of all retroactively applied interest charges, given the circumstances of poor communication and technical issues on their part. 

Thank you for your attention to this matter. I am looking forward to your support in resolving this issue. 

Sincerely, XXXX XXXXXXXX XXXX