23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Dear sir or madam, I am writing this complaint in regard to my lender, Navient. I have been attempting to contact Navient for the last couple of weeks regarding my monthly payments - specifically, potentially lowering my monthly payments since I am not only unemployed, but my payment amount has gone up with no explanation ( it is now {$500.00} when it was about {$480.00} only a couple months ago ). I have emailed Navient twice ( XXXX XXXX and XXXX XXXX of this year ) with the promise that my account would be reviewed and that I would receive a response shortly. I have not gotten a response to either email, and I think that more than two weeks should be enough time to be at least acknowledged by a live person from Navient. 

I submitted a complaint here about Navient in 2015 and I have filled out the financial information sheet that was emailed to me by a XXXX XXXX XXXX XXXX ; I attempted to email the completed form to XXXX XXXX, but when I sent the email, I immediately received an automatic response saying that my email could not be delivered because " delivery to this address is restricted. '' In addition, I requested proof of validation of debt from Navient starting in XXXX of 2015 and repeatedly reminded them of my request in the handful of letters I sent to them via the postal system. Navient simply told me they had already sent me this documentation, but I never received it. 

The primary concern I would like to address is the monthly payments and trying to negotiate a lower amount that I can afford each month. Of course, I will alert Navient if, at any time in the future, I am able to afford to pay a higher amount. The secondary concern I would like to discuss is Navient providing me with proof that the debt in my name is, in fact, valid. Thank you very much for your time. 

Best, XXXX XXXX
Product: Debt collection

There trying to collect a debt from me and my name on the account isn't even spelled correctly I've never in my life seen XXXX spelled XXXX and didn't the party take any kind of identification before opening the account????
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

My bank account was levied back in XXXX of 2023 I reached out to you guys about tactics XXXX funding took no written notification no information was provided before they went to extremes. 
I filed a complaint with you about this company they agreed per the letter that they would be willing to work with me payment arrangements when I contacted them per the letter they said they don't have to do payment arrangements I reached out to you guys about the bank not doing what they were supposed to and providing me written notification and that was passed on to someone else I'm still fighting with them to get my funds released. 
The monies in my account are exempt first I get a survivor 's death benefit for the passing of my mother second XXXX XXXX XXXX XXXX XXXX XXXX and third I share account with my son 's dad therefore every one of these count and are exempt status.
Product: Checking or savings account

I am the successor trustee to the XXXX XXXX XXXX XXXX XXXX ( certificate of trust attached ). My late aunt had XXXX accounts with Bank of America, XXXX checking and XXXX savings ( attch XXXX ). Both accounts are labeled as owned by the trust. But the bank says that only the checking account is owned by the trust ; the other is personal to my late aunt. They refuse to release the funds unless I go through probate, which will cost the trust around {$10000.00}. I can't believe that my aunt would have directed the bank to change the title on the savings account but not change the ownership. Clearly Bank of America made the mistake, and now refuses to correct it. 
The bank also made me create a new checking account with a new tax id. It was supposed to be free, but now they are charging the account {$25.00} per month because there isn't enough money in it. The money is in the savings account which they refuse to close and transfer to the new account.
Product: Debt collection

Security Credit Services never sent a letter to me allowing me to dispute the debt in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received pre.approved confirmation certificate from upgrade company for low fixed rate loan on XX/XX/XXXX I went to the company website at XXXX and to check my rate with out impact my score as been shown in steps of that website then I found hard inquiry in my transunion report from webbkupgrade on XX/XX/XXXX and I do n't even complet their application they mention clearly it not impact to check rate.i thought nothing will impact my credit score as I never send then any documents to apply for this loan just wanted to check my rate and how much line I will approve for. thanks
Product: Credit reporting or other personal consumer reports

They report my Capital One account closed but it's not accurate I close it a long time ago
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXXXXXX XXXX XXXX TO wHOM IT MAY CONCERN, I am having isues with addresses that do not belong to me showing up on my credit report. the folllowing address do not belong to me. Please delete inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX I would like my name and information to be remove from any and all promotional ad and insurance offers. Please OPT ME OUT. AND SEND ME A NEW UPDAYE CREDIT REPORT.
Product: Credit card or prepaid card

The account is paid and closed. 

The last 4 of my social are XXXX
Product: Vehicle loan or lease

i applied for auto loan at Bank of America where I have accounts for 15 years, i recieved approval email in XX/XX/2021 XXXX. when i got the approval i went car shopping for used car. i checked the Bank affiliated dealerships i found out they are offering used cars way more than its market value. i did informed the agent at the bank and she said if the dealership is not affiliated with the bank the interest will be more from 2.59 % to 3.09 % i said ok. i found couple of cars and the bank ( client specialist : XXXX XXXX ) asked for proof of income and address, emails back and forth i told her im XXXX XXXX i receive XXXX and she still sent me emails asking about w2 or paystub, i provided the proof of income and the address i had to change it on my bank statement and other bills that i can get because all was paperless ( all online ) so i didn't bother to change it from XXXX  to XXXX  i live in shared house no bills on my name and had address a postal service to make sure i get my mail ( all explained to lady who started the loan process and documented it ). i moved to XXXX and work in XXXX. some cars were sold so i went to MA and saw a car and put deposit {$500.00} to guarantee i get it. Supervisor XXXX XXXX ( assistant vice president client specialist ) who communicated with me and said bank statements or bills have to be 2 months then later she said we can take your driver license as proof of address if it has your physical address. i went ahead and changed the license after labor day and dealership where i put deposit informed me that they sold the car because i didn't finish the deal as in purchase order. then i sent the License to ( both XXXX and XXXX ) they kept me another day and XXXX called me to say we can not give you the loan because the license just changed now. 
everything i explained to them on the phone that i moved from ny to nj and was planning to get back to ny as my financial situation getting better and after all the runaround they told me no, wasting money and time. this is clear incident of discrimination .i have very good credit score ( attached ) and paid a lot of my cards not like many people after covid still struggling. i m dealing with the bank and they saw all my income for years. if they turn blind eye to all of this this is clear matter of discrimination may be if my first name was different i would have got the {$17000.00} loan. WHY In the beginning they give me approval and made me shop for car ... .its clear the underwriter saw name and didn't like it I printed all communication ( emails )
Product: Debt collection

XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX APT XXXX, XXXX XXXX XXXX TX XXXX ASSETCARE LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ASSETCARE LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX
Product: Debt collection

I am writing to you regarding the presence of late accounts on my credit report that are severely impacting my financial standing. I demand the immediate and unconditional removal of these late payments to rectify the injustice that has been perpetrated against me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am a customer of XXXX XXXX XXXX. My first complaint is I was never notified about the lawsuit and making a claim. We pay our mortgage every month and somehow we are being charged with {$5000.00} in late fees or other miscellaneous fees. It keeps going up. In addition to this problem, every year according to them our escrow account is short for paying homeowners insurance and taxes. This is almost impossible. I contacted Ocwen about a year ago regarding the processing of our monthly payments and fees to get an accounting history on this and I never received anything. We really need to have this rectified and I believe we should have a part of the claim filed against them as we have been billed incorrectly and right down frauded. I am hoping to get some assistance to fix these errors and compensated for the mistakes that are piling up every month. 

Thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX we agreed on a 24 month payment plan for XXXX XXXX XXXX. Upon our request ; we asked XXXX to send us proof that we signed a contract stating we agreed to pay for services over 24 months. We received from XXXX XXXX XXXX XXXX XXXX And XXXX form dated XX/XX/XXXX and the signature did not even come close to mine nor my wife 's signature. The form stated that we had agreed to a 60 month plan which was false. We also received a XXXXystem Purchase and Services Agreement dated XX/XX/XXXX. The signature on this form was no where close to mine nor my wife 's signature also. So these forms were fraudulently signed and stated we agreed to a 60 month plan instead of the 24 month plan we agreed to. 
The signatures on both forms do not even match, nor or they close to the same signature, which proves we did not sign these forms. 
Please review and respond to whatever steps we are to take next. 
Thanks! 
XXXX XXXX.
Product: Mortgage

Greetings, I am a resident of NC and a home owner that has had some hardship as having no employment to working XXXX jobs to keep my home. Ive submitted a loan modification to OCWEN a loan bank to please make adjustment accordingly to my income and adjust my interest rate to be affordable. However, they have denied and proceeded with attorney to for foreclosure / or short sale. I submitted paperwork and documents requested, paystubs employer statements over and over and they down play my income and deny any options. By the time you receive this i would hope that I am not put out. I would hope that they consider this is where i live. I want my home and I surely will pay. I only asked for a lower interest rate and an affordable payment. What affordable XXXX XXXX dollars with an interest rate of at least XXXX. 
They told me not to go to court that they would delay the foreclosure when in all I should have went and talked to the Judge. It seems they want me to lose the home giving such misleading advice.
Product: Credit reporting or other personal consumer reports

There are several accounts on my credit report that do not belong to me. This information was stolen and used without my consent while I was incarcerated and in rehab. I have submitted reports from the FCRA and identity theft affidavits explaining that I did not authorize the opening of these accounts and they should be removed immediately as they are fraudulent. While only some information was removed the other remains.
Product: Checking or savings account

Opened a Citibank Business Checking Account with an advertised offer to deposit {$25000.00} into a new Business Checking account to receive {$700.00} after 60 days. I opened a new business checking account and deposited {$26000.00} on XX/XX/XXXX. XX/XX/XXXX should have been over 60 days but I never received the bonus. I called a Citibank XXXX in XXXX and was told to wait for it to post in a couple of weeks. It never posted. I went into the Citibank branch where I opened the account on XX/XX/XXXX and was told they would put in a request for the bonus and I should see it in 2 weeks. Two weeks later, still nothing. I then called the Citibank business line and spoke to a manager and explained the situation and they said they would put in a request and it should be in there in 2 weeks. It is now XXXX XXXX and the bonus has never been posted. Apparently this seems to be a common occurrence with Citibank. Had I known about this I would not have opened this account. Its extremely frustrating because not only is Citibank not doing what they are advertising, but even if they are " forced '' to give consumers the bonus they have rightly earned, there is no punishment and therefore no incentive for Citibank to change this apparent policy of not awarding banking bonuses as advertised ( meanwhile they get use of the customers and small business owner 's money for free for months! ) This egregious business practice should be punished.
Product: Credit reporting or other personal consumer reports

Account # XXXX XXXX XXXX  Formal Complaint of Improper Handling of Notarized Documents, Consumer Rights Violations, and Request for Immediate Removal of Tradeline Dear XXXX XXXX, I am writing to formally address your recent claim that the notarized documentation I submitted regarding the debt in question " does not appear authentic. '' This response is both unfounded and in violation of my consumer rights under federal law. 

A notary public has officially authenticated the documentation, which makes it legally binding. Therefore, your agency has no legal right or authority to question the authenticity of properly notarized documents unless you have substantial legal evidence to prove otherwise. Your arbitrary dismissal of these documents is not only inappropriate but also in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Consumer Rights Violations : Improper Disregard of Notarized Documentation : The 15 U.S.C. 1692e of the FDCPA prohibits collection agencies from using any false or misleading representations in their attempts to collect debts. Dismissing legally authenticated documents without a valid reason constitutes a violation of this provision.

Failure to Validate Debt : Under 15 U.S.C. 1692g, upon a dispute, a debt collector is required to validate the debt and provide accurate documentation. Rejecting my valid, notarized documents without proper cause fails to meet this standard of validation and is a violation of my rights as a consumer. 

Credit Bureau XXXX : Experian, XXXX, XXXX I must remind you that the Fair Credit Reporting Act ( FCRA ) holds you responsible for reporting accurate information to the credit bureaus. Under 15 U.S.C. 1681i, during an investigation into a disputed account, credit bureaus must not report inaccurate or unverifiable information. As such, I am formally requesting that you immediately remove the tradeline related to this account from my credit report while this claim is under investigation, as the account is currently disputed and should not be reported in a way that could harm my credit.

Failure to comply with these legal obligations would constitute a further violation of my rights, and I reserve the right to take legal action to pursue damages for reporting inaccurate or misleading information on my credit report.
Product: Credit reporting or other personal consumer reports

Capital One has been Furnishing account transactions. I have recently contacted them to let them know If they were ware that this inaccurate information that was being reported and was in violation according to the law and the only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! 
A creditor can not treat a payment as late without complying with this section of the law! I have already request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

they have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).
Product: Mortgage

Loan Depot wrote a note of {$170000.00} fraudulently and have slandered me, created credit rift and partially destroyed my Social Media Profile. 
I've contacted Connecticut State Attorney Generals Office, XXXX XXXX XXXX, Associate Financial Examiner, Dept of Banking, Consumer Affairs Office, Tel. Direct in XXXX ( XXXX ) XXXX and recently filed a Complaint against Loan DEPOT. 

Connecticut Superior Court Docket # XXXX Judicial Branch Case Detail : XXXX : XXXX? XXXX
Product: Checking or savings account

My account went overdrawn and I have never had a refund on this account before, I called tcf and asked for a credit of the nsf fees and was given two credits for {$15.00}. I feel tcf intentionally charges customer overdrafts and never wants to reverse any. I have called 4 times and just do n't have the time to continue to call. I just got back to work from being off medical and do n't intend to overdraft again
Product: Bank account or service

I filed a claim of unauthorized transactions from my savings account. Wellsfargo has not refunded the full amount of money despite being a loyal customer since 2002. I was originally told that I would be receiving all of that money back but now am told that is not the case. If I had many suspicious withdrawals, why did n't Wellsfargo notify me? I have also filed a police report regarding this cyber theft.
Product: Money transfer, virtual currency, or money service

Sunday morning XX/XX/XXXX Coin Base website  would not accept my 2FA. I followed the guidelines and submitted front and back of drivers license and a vitural shotnof me holding my license. They already have this on file. Sunday afternoon I hear nothing. I then learned Coinbase is the one with the problem on there end with their 2FA system not working. Finally Sunday night I finally emailed  customer service ( no phone number) and advised them they had $XXXXOf my money that they have locked me out of. She said she sent  she would sent it to a specialist. This is Thursday and I still cannot get into my account to retrieve my money. This should be a crime at what these people are doing. I have no idea if they even have my money or have I been robbed or scammed?  They have done nothing to help me. Please can you help me get my account unlocked and my money back?Warm regards XXXX XXXX XXXX
Product: Credit reporting

Transunion advised me to contact creditor directly and also that they would forward my information to XXXX XXXX XXXX to verify the accuracy of my documentation. I have not received a response from XXXX XXXX XXXX or transuinion regarding the fraud inquiry. No proof has been submitted to me as advised. Per FCRA no response from creditor the the must be removed.
Product: Debt collection

Repeated phone calls from various different numbers even after I asked them to stop calling and advised that I was not aware of the debt they claim to be collecting.
Product: Credit reporting or other personal consumer reports

I have several inquiries hard inquiries on my credit report from credit applications I have never applied for the breach cause so much sensitive information to be out there I have tried to call each one to report this a fraud and the credit beaures