23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient took over my student loans from XXXX. 
I have had problems ever since. 
Their website is EXTREMELY difficult to navigate, I have received different information from each person that I have spoken to regarding various issues & most recently when applying for an economic hardship deferment, I have become extremely frustrated with this company. 
I have been granted an economic hardship from XXXX, my other student loan provider & it took them about one DAY to do so. I have spent MONTHS trying to get the same deferment processed through Navient, however, I am pretty sure that they make the process difficult on purpose. I provided proof of my deferment from XXXX to Navient along with the deferment application & repeatedly it has been denied. However, there is no information about WHY it is denied, just that I am not providing necessary information ...? So, then each time, I must call Navient and ask someone why & they tell me to do something different & re-submit. Still, months later, when my forebearance is about to expire, they have not processed anything nor have they tried getting in touch with me. 
When I called again yesterday, I was told that they need proof of my income. Even though I have already provided proof of my deferment from XXXX, which is generally all that is needed, proof of acceptance from another provider. And I was told previously that this is all Navient needed. Now they want a paystub. I do not have one, I am self employed. SO, she tells me that I should be applying for an " unemployment deferment '' ...?! I am not unemployed! I just do not have a proof of income YET ... 

So, I sit waiting once again to see if my deferment application will be accepted. 
I am pretty sure that this company deliberately makes this process difficult & their website hard to navigate to keep people from being able to to what I am trying to do, ask for assistance while not being able to pay back their loans, temporarily. 
I have never had any issues with ANY OTHER STUDENT LOAN PROVIDER until this company took over. 

PLEASE HELP!!
Product: Mortgage

I recently refinanced my home mortgage with XXXX XXXX  XXXX, and my new loan funded on XX/XX/XXXX. I called my new servicer, The Money Source, Inc. ( TMS ) on XX/XX/XXXX, and asked that my property taxes ( $ XXXXmo ) be removed from my monthly payments, and to have my escrow account balance ( {$380.00} ) refunded to me. My property taxes are the only item going into the escrow account, and I want to pay them directly myself. TMS told me that it would take XXXX business days to complete my request. When nothing happened, I called TMS again on XX/XX/XXXX, and they told me that my request was in process, and would take another 24/48 hours to complete. Today is XX/XX/XXXX, the request remains unfulfilled, and I have not heard from TMS since calling them on XX/XX/XXXX. I am submitting this complaint because at this point, I am doubtful that they are actually processing my request. I am attaching the monthly billing statement I currently see when I log into my TMS account, confirming that my request has still not been processed. 

In summary : I would like property taxes ( $ XXXX ) removed from my monthly payment, and I would like the balance of my escrow account ( {$380.00} ) refunded to me. My current monthly payment is {$1500.00}, and my new monthly payment ( due XXXX ) should be {$1400.00}.
Product: Credit card

The company is XXXX 's XXXX  and the bank is Comenity For the past 3 months ( XXXX, XXXX and XXXX ) I attempted to pay via phone. The computer refused my checking account info and forced me to speak with a human at a cost of {$9.00} each call. 
I went to make a payment online. The site repeatedly refused my checking account. I finally had to resort to my husband 's account. Then it still would not accept the bank account. Only until I went through the process of setting up auto debit. Which we are against. We got defrauded before. 
This month ( XX/XX/XXXX ) the computer forced me to call for a human and guess what, the call center is closed and will not be open till XX/XX/XXXX. Which would mean another {$40.00} late fee for their problem computers. But remember it's never their fault, I am being cheated for a {$40.00} late fee. I am tired of being constantly told I am wrong. 
There are other problems. 
I was told by the computer that my statement is {$1600.00} Then I am told I have a balance of {$1700.00} I have the XXXX statement that reads {$1700.00} Why am I making payments, and nothing is going down? 
Furthermore, it is always my fault, and I have a monthly charge of {$40.00} late fee. No matter what I do. 
I am well aware of the bankruptcy going on. Why am I being forced to pay for their problems?
Product: Student loan

Received a call back in XX/XX/XXXX about student Loan Forgiveness. Spoke with a XXXX XXXX, who said he worked for XXXX XXXX. Discussed how to reduce my student loan amount. So I paid {$230.00} from XX/XX/XXXX to XX/XX/XXXX. Then, payments were paused. I thought I had paid a little over {$1100.00} towards my loans to reduce the amount. 

Then, once I got an email from Aidadvantage XXXX XXXX regarding my loan payments are to resume soon. I looked into my account and saw none of my payments I had done from XXXX 2021-XXXX 2022 reflected. I called customer service on XXXX XXXX and spoke with a representative who informed me it sounds like fraud. Since I would have to work in public service to get forgiveness. Since Im a stay at home parent I wouldnt qualify. The representative then gave me the number to their Fraud department which l called and spoke with another representative. She had me fill out a feedback form and inform to file a complaint with the Consumer Protection Bureau. So now I filing a complaint regarding fraud. I will be contacting my bank, XXXX XXXX XXXX XXXX, regarding this as well.
Product: Debt collection

This company is attempting to collect a debt that is beyond the statute of limitations for a lawsuit, 4 years in California, and reporting the account beyond the 7 year limit for credit reporting. I have written to this collection agent asking for verification of this debt to establish these dates and also to establish that the agent actually either owns the debt or is acting on behalf of the original creditor. When I telephone the collection agent about this, an agent asks for payment and tacitly implies that that the debt is not beyond the statute of limitations and that it is empowered to take " further action '' on this zombie debt, when such is not the case. 

After disputing the information in the credit bureau, this collection agent 'verified ' the information that it was reporting as being correct. Yet when I subsequently telephoned the collection agent I was told that it had received my request stated above and that it was 'investigating ' but that it had no information on the account and had to retrieve information from the original creditor which 'takes up to 30 days '. I confirmed that my dispute was received by the collection agent PRIOR to the time the collection agent responded to the credit bureaus that the debt was reporting correctly ... a violation of the FCRA. Moreover, the collection agent failed to mark the debt as 'disputed ' in the credit bureau ... another violation of the FCRA .
Product: Checking or savings account

On Wednesday XX/XX/2020, I went to BBVA Compass to deposit funds into my co-workers account because we both have an account at the same bank in which I have been making deposits into her account for the past 4 years. About 8 months ago the branch and other branches required you to show photo ID on all transactions whether its your account or someone else account and I could understand that because it leaves a paper trail on who did what and the time etc. On the date listed above around XXXX the drive through banker told me I forgot to send my identification so I sent it up to her. She had me wait 5 minutes and then she called me Mr. XXXX even though she had my drivers license and asked me was I making a deposit into someone else account ( and my words to her ; mam cant you read I thought you were done and about to say thanks and have a nice day Ive been sitting here all this time and you havent even looked at the transaction can you hurry up I have somewhere to be ). She then had me wait an additional 4 minutes and Im still the only customer and comes back on and asks me whats the last four digits of my social security number. I instantly told her why does she need my social security number on an account I am not an authorized user or my name is not attached too and she said thats a requirement and went on to say I couldnt have been coming to that branch because thats what they have been doing which is a lie Ive never been asked that!!!!!! I have never been asked for the last four of my social and I dont appreciate it being asked. I asked for a manger and she refused to come to the window and she told me she will send me the money back and I can go to another location as if I done something wrong. I told her to fly me the deposit back and send me her information and this supervisor information. I dont know what they have going on at that branch but its unacceptable and put people at risk of having their identity stolen by the banking representatives or someone in the parking lot listening. I went to BBVA on XXXX and XXXX  XXXX XXXX and took the same deposit slip and cash sent it up with my ID was there 2 minutes the banker said thanks and have a nice day. I asked her are they required to ask for the last 4 of people social when making deposits if its not their account she said NO!!!!! and I told her thanks and have a nice day. I am a victim of identity theft and have been for the past 12 years and I feel the supervisor and the banker at BBVA copies customers ID to get their XXXX  gifts for theyre family members by making customers provide their personal information to them knowingly.
Product: Money transfer, virtual currency, or money service

Subject : Request for Review and Regulation of Cash Apps Borrowing and Banking Systems Dear Consumer Financial Protection Bureau, I am writing to bring to your attention certain aspects of the Cash App system that I believe could benefit from your review and potential regulation. 

Firstly, I have noticed that Cash App currently does not have a system in place that enforces repayment of borrowed money from XXXX user to another after a specific period. This lack of enforcement can lead to situations where borrowed money is not repaid, causing financial distress for the lender. I propose that Cash App should implement a system that requires borrowers to repay their debts after a certain period or face an accumulating interest rate. This would encourage timely repayment and make the borrowing system more robust and fair. 

As an example of the issues Im highlighting, consider the experience of my friend, XXXX XXXX ( $ XXXX ). XXXX, residing in XXXX, Texas, found herself in a predicament where she had loaned over {$550.00} to a user named XXXX XXXX. This was not a one-time transaction but a series of loans over a period of time. XXXX, who has been continuously requesting money from various users in the area for reasons that remain unclear, has refused to repay the amount borrowed. 

This situation has placed a significant financial burden on XXXX and caused her considerable emotional distress. The situation took a further distressing turn when XXXX mother contacted XXXX. She promised to repay the loan on her sons behalf, only to then ask XXXX for {$20.00} for pain medication. This raised suspicions of a potential scam, adding to the complexity of the situation. 

Such a predicament could have been avoided if Cash App had a robust system in place to enforce repayment of borrowed money after a specific period. The implementation of an accumulating interest rate over time for unpaid debts could serve as a deterrent for borrowers who delay repayments. This would not only protect the lenders but also maintain the integrity of the platform. 

Secondly, I have concerns about Cash Apps bank account system, specifically its handling of transactional disputes. In my experience, the dispute resolution process is not as efficient or effective as those offered by traditional banking systems. This can leave users feeling frustrated and unsupported, particularly in cases of fraudulent transactions or errors. I believe that XXXX to this system could greatly enhance user trust and satisfaction. 

I understand that the CFPB has the authority to supervise larger nonbank companies that offer services like XXXX wallets and payment apps. I kindly request that you consider these issues as part of your ongoing efforts to ensure fair, transparent, and competitive markets for consumer financial products. 

Thank you for your time and consideration. I look forward to any actions you XXXX take to address these concerns.
Product: Credit reporting

I requested that a Bankruptcy that is showing on my credit files be deleted and was never sent any information as to what was going to happen or has happened. This has been on going for months. This is affecting my credit and is causing me mental anguish as I can not move forward with my life until this matter is addressed and handled. Credit report reference number is XXXX and XXXX. It showing up on all XXXX of the credit bureaus in error please help me to get this addressed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, United States XXXX XXXX XX/XX/XXXX Subject : Formal Dispute Regarding Unauthorized Access and Deletion of Student Loan Data Dear CFPB, I am writing to formally dispute the unauthorized access and deletion of my student loan data, as reported in the XXXX XXXX article titled " XXXX  and XXXX : Did XXXX XXXX XXXX XXXX XXXX  '' ( published XX/XX/XXXX ). The article highlights potential violations of the Family Educational Rights and Privacy Act ( XXXX ) by XXXX XXXX and associated entities, including the alleged access and deletion of student loan records without proper authorization. 
As a borrower with an active student loan account, I am deeply concerned about the implications of these actions on my financial and educational records. XXXX explicitly protects the privacy of student education records, and any unauthorized access or alteration of such data constitutes a serious breach of federal law. The reported actions not only undermine my rights as a borrower but also raise significant concerns about the security and integrity of my personal information. 
Specifically, I request the following : XXXX. Investigation : A thorough investigation into the alleged unauthorized access and deletion of my student loan data, including confirmation of whether my records were accessed or altered without my consent. 
XXXX. XXXX : Full disclosure of any parties involved in accessing or altering my student loan records, including any XXXX-party entities such as XXXX or affiliated organizations. 
XXXX. Rectification : XXXX correction of any inaccuracies or deletions in my student loan records, along with a detailed report of the changes made and the steps taken to restore the integrity of my data. 
XXXX. XXXX XXXX : Assurance that all future handling of my student loan data will comply with XXXX regulations and other applicable privacy laws. 
I expect a prompt response to this dispute within XXXX  days of receipt of this letter. Failure to address these concerns may result in further action, including filing a complaint with the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( FPCO ) and pursuing legal remedies as necessary. 
Please contact me at XXXX or my email address to discuss this matter further or to provide updates on the status of your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves. 
Sincerely, XXXX XXXX XXXX : NELNET
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspi-cious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

DPTEDXXXX {$4000.00} XXXX {$11000.00}
Product: Vehicle loan or lease

We bought our truck back in XX/XX/XXXX for {$29000.00}. We made multiple truck payments and stayed ahead. We started falling behind in XXXXXXXX XXXX XXXX and tried to make up payments as we went. We got threatening phone calls and ever agent we spoke to that they are trying the truck from us even though we where trying to catch up. I made a payment in XX/XX/XXXX and told them I would make another large payments to 100 % catch up in XX/XX/XXXX when I received my tax return they got very upset with me told me that that was not OK and that they were not waiting and they were going to come take my vehicle. I received a written notice on XX/XX/XXXX stating that my entire balance of my vehicle was due in the amount of {$29000.00} making it seem that I have only made a {$300.00} payment total to my truck that doesnt make sense to me since I was paying it frequently for over a year and a half of {$650.00} {$.00} a month when I did reach out to Wells Fargo multiple times to try and set my account straight. They told me they couldnt adjust my payments. They could not adjust my loan, they could not help me with trying to come up with a plan to get ahead, that they were just going to take the vehicle, and even if I did make monthly payments it did not matter because even if I was still one month behind they were still taking my vehicle from me.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 

My credit and daily life has been underminded by Identity Theft, authorize credit utilization, credit report showing wrong information, money laundering, false advertising fraudulent activity
Product: Credit reporting, credit repair services, or other personal consumer reports

Per original complaint XXXX, which I can no longer access because it was closed based on the " goodwill gesture '' of NBT Bank on XXXX XXXX XXXX I was provided with the following statement ( See below & attachment ) : QUOTE : Therefore, as a goodwill gesture, we will be removing the repossession from your credit history and we are working to eliminate the remaining balance of the loan. You can consider this letter as evidence that there is no longer a deficiency balance and your loan is considered paid in full. We hope that in the future, should a similar situation present itself, you would speak with members of our collections and/or customer service teams to keep us informed of your situation and allow us the opportunity to work through the challenges and avoid repossession altogether. Sincerely, XXXX XXXX XXXX XXXX XXXX MONETARY RELIEF AMOUNT {$3300.00} Instead, the debt was reported AGAIN after this as a repossession at the close of that month dropping my credit score again. After nearly 3 months with no intervention on the company 's part, I submitted a dispute with credit agencies using this document provided by XXXX XXXX as " evidence '' for removal from my credit report. Instead of the result of the dispute being a removal, NBT 's response, despite furnishing the credit agencies with this document from the XXXX XXXX XXXX XXXXXXXX XXXX as it was presented in the original complaint through the Consumer Financial Protection Bureau, was to immediately report the debt TWICE in ONE WEEK as DELINQUENT ACCOUNT, DEROGATORY, COLLECTION/CHARGE OFF, amount owing ( TWO different amounts on TWO different days - See attached ), which dropped my credit score with XXXX ANOTHER XXXX points!! XXXX is showing recent delinquent reporting from NBT ( see attached ) - actual score will be updated within a week. XXXX  Dispute is currently still pending. I shudder to think what the end result of that will be. 

There are hardly words.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 6802 ( a ) financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX SELF- REPORTED XXXX Balance : {$110.00} ; UTILITY SELF- REPORTED XXXX Balance : {$220.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$3300.00} ; XXXXXXXX XXXX XXXX XXXX XXXX : {$7300.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I am NOT responsible for these fraudulent accounts and inquiries. Someone stole my identity and generated fraudulent accounts and inquiries in my name. These accounts and inquiries are fraudulent, damaging my credit score, and should not be furnished on my consumer report as they are in VIOLATION!!!

Under 15 U.S Code 1681b- 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 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the unauthorized accounts and inquiries listed IMMEDIATELY! 

15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) 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 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other : By the written instructions of the consumer to whom it relates.

15 U.S.C 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of accounts/inquiries/information listed below. Under the FCRA, you must remove all unverified, invalid, derogatory accounts/inquiries/information from my consumer report if you do not provide documented and verifiable proof. 

The consumer report that was prepared under my social security number by XXXX is reporting inaccurate information, which is a violation of The Fair Credit Reporting Act. 

Ive listed the following inaccurate information below from my Experian/XXXXXXXX Consumer Report that must be removed.