23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was a student at XXXX XXXX in XXXX, XXXX My private student loan service provider is Navient. I attempted to get on an income based payment plan to pay back my student loans and went through an income verification process in XXXX of 2015. They enrolled me in the program and took my XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments directly from my bank account. On or about XXXX XXXX, 2015, my co-signers began receiving collection calls from Navient. I contacted Navient to find out why. I was advised that the employee that I originally spoke with was no longer with the company and never finished my enrollment process in the program, and that as a result, my account was considered past due because the amounts that were taken out of my account were not the full amounts that were originally due on my loans. The Navient representative told me that I had to make another payment to bring my account current, even though Navient had just taken a payment from my bank account approximately five days prior to this phone call. They also told me that because the employee never finished my enrollment process, I was " unenrolled '' in the program. I had no way of knowing I had been " unenrolled '' or that my enrollment was never properly completed. Navient never contacted me to advise me of this. I spent approximately an hour on the phone with a Navient representative again going through the process of enrolling in the income based repayment plan. I was advised that the payment I had just made in XX/XX/XXXX would be applied to my XX/XX/XXXX payment and that I would not have to make another payment until XXXX XXXX. On XXXX XXXX, 2015, I started getting phone calls again from Navient. I was advised that they could not apply my XXXX payment to XXXX, and that they wanted me to make another payment immediately, in addition to the XXXX XXXX payments. I called them back on XXXX XXXX, 2015, requesting to speak to a supervisor. I explained that I was informed that my XX/XX/XXXX payment would be applied to XX/XX/XXXX. The representative basically told me that the " processing department '' told them they ca n't do that and that I would have to make another payment immediately. I asked the representative why Navient is n't held accountable for their employees ' representations and the assurances they make to their customers. I have been advised several different things by different employees over the last few months, who continue to make false representations or fail to complete my account paperwork to rectify this situation and yet, Navient is not held accountable. At what point do I, as the customer, have any way of holding Navient accountable for the representations of their employees? This is getting out of hand and is affecting my credit.. I am trying to be responsible for my student loans and am attempting to repay them, but every time I try to negotiate with Navient, they make critical errors or make false representations and then do n't live up to those representations. Who can I contact about this?
Product: Credit reporting or other personal consumer reports

I have repeatedly sent certified letters to Experian and collection agencies portfolio recovery and XXXX funding and original creditor about these fradulent accounts and information is repeatedly being updated by credit bureaus and XXXX XXXX portfolio recovery is simply not responding to any of my letters nor have any company validated these fraudulent accounts. 

I have also recently repeatedly disputed the accuracy of reporting on this XXXX  collection account, and the results came back verified despite me contacting XXXX XXXXXXXX about this account before it was charged off on XX/XX/XXXX. The information credit XXXX company had on file for this account was incorrect during our recorded phone conversation. I gave my correct email, address and phone number during our phone conversation and was told that the information would be corrected and the investigated. On XX/XX/XXXX I was notified via phone that I would receive an email to send in an affidavit to complete and send back and I never received that email with an affidavit before this account was closed so how can this account be verified as accurate if I never had the chance to submit an affidavit when I notified you about this account before it was closed/charged off. 

Below I have attached all letters sent to XXXX XXXX, Experian and XXXX funding about these fraudulent accounts.
Product: Debt collection

I offered debt collector TrueAccord Corp. a payout amount to resolve debt owed and was ignored. Instead TrueAccord Corp. continues to send me numerous electronic mail messages to collect debt owed which has now caused me to feel extremely harassed by them. Electronic mail messages started on XX/XX/2023 till present with an emails sent ( on average ) every 4 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

All named XXXX, XXXX XXXX and Experian are in violation of compromising the principals information and also the cfpb for breach of information, their breach have casued ..... 
1. Reporting information that is not metro 2 compliant 2. Information that is fraudulent 3. THe illegal reporting of the Principal XXXX XXXX The report is filled with incorrect addresses, incorrect socials, and incorrect payment history, balances and more, Their reporting has taken longer than 30 days THe most important violation is that non of their employees know that the company they work for is a private company that uses codes and statutes as a cloak for authority. There are no laws that say they have the ability to report on anyone and their employees refuse to remove information. So now I bring this as actual and constructive notice of a lawsuit filed XX/XX/23 for account XXXX XXXX XXXX
Product: Debt collection

This is a medical bill that was processed by XXXX XXXX and they do not process my medical bills to my insurance correctly. Because they can not be reached by email, I have to call their Patient Financial Services Department on the phone and there is no written record of the conversation and they always tell me, don't worry, don't pay it, we will bill your insurance, but they don't do it correctly ( or at all ) and then the bill does not get paid and XXXX thinks its delinquent and turns in to collection. 
I have been getting letters from the Collection agency USCB XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX since at least 2009. I can send you copies of collection notices from them since 2009. And complaints filed with your office as well as CDMHC. 
I am also a XXXX patient at XXXX XXXX XXXX XXXX XXXX, and they bill my insurance correctly, then XXXX bills me for balance, they never make mistakes and I pay the bills on time and never late. But XXXX bills are always billed incorrectly, due to XXXX 's inefficiency and unfamiliarity dealing with a private insurance company for their coverage, and consequently it appears on their records that I don't pay the bills. 
My insurance does not permit me to pay the bills and get reimbursed, they pay their insurance amount and then XXXX is supposed to bill me for the balance. 
This has been going in since 2009 but XXXX doesn't get it right, and USCB calls me, and leaves threatening messages. I finally disconnected my home phone. And I have been receiving collection notices from USCB since 2009 most for bills that were paid. I am XXXX years old XXXX patient, all my bills with other medical providers are current. I want to file a complaint against USCB for Elder Abuse. I know I cant file against XXXX Patient Financial Services because as I have been told by Dept of Managed Health Care, they are not an HMO. So I am left with few options other than your department for Consumer related issues. I am running out of options to stop this incessant billing and notices every year. 
And I told XXXX I refuse to correspond with a collection company and will never pay any money whether owed or not to USCB or any other collection agency for errors and omissions that are XXXX 's fault.
Product: Credit card

REF : XXXX I applied for an American Express credit card on XX/XX/2024 and was denied. Regardless of the reason for being denied. I have the RIGHT to credit. What gives American Express the Right to access my Principal estate without it benefitting me? Withholding access to my Securities is Securities fraud. American Express is violating The Equal Credit Opportunity Act and the Consumer Credit Protection Act. 
You are denying me access to MY credit, While at the same time breaching your fiduciary duties, committing acts that the Bill of Exchange Act and The Trust indenture act was enacted to protect us investors from. I dont mind you profiting from my receivables, just dont deny me my right as an investor to access the same benefits. I am owed principal interest every billing cycle to be applied to my Principal 's balance. I hereby claim ALL principal 's interest. 
This can be settled in an equitable manner. Please reconsider your decision, dont discriminate against my rights. XXXX is also a form of payment. Banks Borrow, issue security and pay interest according to 12 USC 1431. 
If my application can't be reversed, then retract my application. A Hard inquiry has been added to my consumer report which proves American Express has acquired an investment from my principal estate. 

Thank you, By : XXXX XXXX XXXX XXXX For : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1994 My only employer is XXXXXXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Product: Checking or savings account

On XX/XX/XXXX, Santander charged a " Monthly Fee '' from XXXX to XXXX for a total of {$30.00} to my checking account. I called Santander on XXXX to dispute this charge because it's never happened before. I spoke to a representative that said they could do a " courtesy '' by waiving this fee but stated the reason was because I was required to hold a total of a {$20000.00} balance in order to avoid the fee. Considering I had a " {$0.00} '' balance since my last HELOC was satisfied in XXXX, a recurring monthly fee of {$30.00} was never charged to my account. I asked the representative if the criteria changed w/my checking account without me knowing. She said it did not, but proceeded to tell me the {$20000.00} requirement. She failed to answer my logical question on what happened for the past 5 years prior to using it again to pay on a PSL, and the fee was NEVER deducted. She said nothing changed, agreed to waive the {$30.00}, but then said, " now you have been informed of the requirement of holding a {$20000.00} balance to avoid future fees, {$30.00} will be the monthly fee ''. This is an outright UDAAP, and I told her so. This is EXTREMELY deceptive, and makes absolutely no sense, nor did the lack of assistance from the CSR I was dealing with. While she said she understood what I was asking, she continued to say nothing changed with my account ( if nothing changed, why was I never charged this fee before ), and " NOW THAT I KNOW THAT $ XXXX is required, as long as I don't hold that level of balance, I WILL BE CHARGED a $ 30 monthly fee ''. This is the comment that influenced this complaint submission.
Product: Money transfer, virtual currency, or money service

I have an account with Binance.US and i have been putting my money in as an investment for crypto currency. One day O tried logging in and all of a sudden my password was incorrect. I tried using the forgot password link but its not sending me the forgot password code. I never changed and of my information. I have been submitting requests to their online customer service since XXXX and I have yet to get any sort of response or resolution. They have kept all my money and theres nobody to reach out to in order to get this matter resolved. They are a complete scam stealing money from innocent hardworking Americans!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in a police report a dispute letter with a clear ID and received a response of contact the companies that the inquiries are from but I have already did that and they have no records of me in there system so I called equifax and they told me they didnt investigate which I had already knew that because the companies have no records of me
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I have an AMEX Gift card with a XXXX $ credit. 
I have tried so many times to use it, and it has been impossible, getting rejected in all places. 
AMEX says just choose another retailer, but nothing works and my card is already expiring because I am not able to use it. 
I also followed all the advise in this thread : https : XXXX No luck!
Product: Debt collection

I sent a certify settlment letter with a sign receipt to their office and someone sign for the letter. I havent receive any calls are respond from this company in over 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have opened disputes with all three credit agencies regarding the reporting of a medical debt. This debt is indeed not true as the original creditor is accepting payments. XXXX and TransUnion have not removed this account from my report, XXXX has. I also do not have any contract with the collection agency that is listed on this report.
Product: Mortgage

I closed on my loan with XXXX in XX/XX/XXXX. The loan was recently transferred to Mr. Cooper based in Texas. My payments for the entire XX/XX/XXXX were {$1800.00}. Once the loan was transferred to this new " Mr. Cooper '' company, I received two statements from them. One in the amount of the {$1800.00} payment that was what I was paying while with XXXX and another in the amount of {$2000.00}. I contacted the company on numerous occasions, along with emails seeking answers. There was no documentation stating why the amount increased. I spoke to three separate representatives on three different occasions and not one could tell my why the amount of my mortgage increased. I was told they would investigate and call me back, however all I received was an automated call from Mr. Cooper stating I owed {$2000.00} ( which is once again different then the previously mentioned amounts ). I once again called this morning, XX/XX/XXXX, and spoke with a XXXX who was of no help ... I told her I will not be paying my mortgage until I have a clear explanation as to why the amount increased and she told me " I will document you will not be paying. '' I have never dealt with a more disorganized group of people. I work in banking and have been in mortgages for the better part of 15 years, the way they handle their customers is absolutely atrocious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never given my written consent to share ANY of my information
Product: Payday loan, title loan, or personal loan

Filed a complaint in XXXX regarding fraud on my HELOC account at Huntington. Complaint ID XXXX. The fraudulent balance was removed but the interest it accumulated was not credited back to my account as promised. In Huntington 's response I was told it would be taken care shortly. However I've followed up with Huntington 's representative numerous times and the matter has still not be resolved. From no less than 20 times of me reaching out him he has only responded 1 time. In his response he informed me the interest charge would be resolved in a matter of days ... that was weeks ago. He is no longer returning my numerous voice mails or follow-up emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an email on XX/XX/2022 that there was a credit inquiry on my card that was a soft check on XXXX & XXXX XXXX XXXX  and a hard check from WF CRD SVC on XX/XX/2022 however I have not applied for any credit cards at all.
Product: Credit reporting or other personal consumer reports

I'm writing to discuss my significant worry regarding the challenged records recorded on my credit report. I have as of late drawn these slip-ups out from the shadows and have at least a couple of times referenced a comprehensive assessment. Regardless, no matter what my consistent undertakings, I actually really can't get any objective or XXXX XXXX 

These mixed up records are genuinely impacting my credit report and are basically demolishing my ability to have a normal presence. The XXXX result of these slip-ups has caused XXXX XXXX for me, and I'm left with no choice aside from to search for your close by assist with rectifying what's going on. 

I empathetically request that you lead a comprehensive assessment concerning the specifying of all of these challenged records. It is essential that the crucial advances are taken to revive and change my credit report right away. With your help, I want to restore the accuracy and uprightness of my credit record, allowing me to recuperate control over my money related success. 

I genuinely request that you offer this matter your most outrageous thought and take a fast action. Your joint effort and moving in settling this issue quickly would be colossally important. 

Much gratitude to you early on for your appreciation and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX  XXXX CA,XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA,XXXX  ; XXXX XXXX XXXX XXXX XXXX CA,XXXX ; XXXX XXXX XXXX XXXX CA,XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

When our original homeowners insurance jacked or premium up from XXXX to XXXX, I began shopping for a new policy. However, SLS simply paid out the increase and then re-estimated our escrow account and increased our monthly payment by {$300.00}, a 17 % monthly payment increase. 

At no time did they verify if we had accepted such a ridiculous premium increase. They did not act as an agent or a fiduciary of the borrower and simply forced us through the escrow to pay such a massive increase. 

After I eventually found a reasonable provider with a premium that was lower than the original {$1400.00}, we submitted a request to cancel the escrow account. SLS refused siting the homeowners policy. The date of the refusal was AFTER my new provider had actually submitted the new declaration page. XXXX XXXX informed us of the regular difficulty they have working with SLS.

I had paid our new insurance directly, I had informed SLS I was paying it directly, yet SLS simply turned around and paid out the entire premium out of the escrow account. SLS has been notified that XXXX XXXX will only accept payment from the client, yet continues to be obstructionist in cancelling the escrow account. 

First, the CFPB needs to materially review the regulations around escrow accounts. 

Second, the CFPB needs to materially review rules around servicing transfer. The borrowers have no say in these transfers even though the borrowers are the most impacted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX for weeks now trying to get this one inquiry off my file that I have no knowledge about. I Pulled my XXXX credit report in XX/XX/XXXX. I contacted XXXX  immediately once I seen this unauthorized inquiry. XXXX forward me to the creditor ( Wells Fargo Auto ) but they are not providing me with proof that I made this inquire. Per XXXX they are not able to remove this inquiry. I advised them I never authorized this inquiry. I am asking for proof where I made this inquire. The XXXX rep said it will soon fall off my credit report which I feel as though its wrong to say because I did not make this inquiry. This inquiry is hurting me from acquiring new credit lines. The inquiry is WFB Auto ( XX/XX/XXXX ).
Product: Credit card or prepaid card

I received an email on XX/XX/2020 from American Express stating that after recent review of my AMEX Serve Account, they identified activity that they believe violates the terms of the Serve Consumer User Agreement. Please see attached email and I have included an attachment of User Agreement Section 15 ( d ). 

I have no idea what they are talking about. I called to ask and the supervisor XXXX whom I spoke with said she couldn't tell me anything. That I had to write to the Serve Customer Care. She gave me the address. I asked how am I to get the remaining funds in my account. She said there are pending transactions and after they cleared, AMEX would mail a check to me for the remaining funds. : She couldn't tell me anything else. I specifically asked about the time frame regarding receiving the money in my account and she couldn't give me any idea. My paycheck is direct deposited however, AMEX returned it to my payroll office and they will in turn mail a paper check to me. I live paycheck to paycheck and this whole thing is a shock. I have been banking with American Express for over five years and they have been great. I'm wondering if this has anything to do with a dispute I filed? Although I have done everything they have instructed me to do. When I have called to try and get answers, the recording says that my account has been permanently suspended, good bye. I ; m not kidding!