23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I refinanced my student loan in XXXX of 2017, with XXXX. XXXX sent a check to Navient overpaying my students loans by {$730.00}. Despite numerous promises, Navient has refused to return the over payment to me and has continuously engaged in delay tactics in responding to my request for documentation and refunding monies due and owed to me.
The first conversation I had with Navient was on or about XXXX XXXX, 2017, and I was told a check would be mailed to me. After not receiving a refund, I called back on or about XXXX XXXX, 2017, and I was told the funds were returned to XXXX. I requested documentation from Navient verifying when the funds were sent and where. I was told that I would receive the information within 7-10 days. However, now three months later, I still have not received the requested documentation. I followed-up with XXXX, and they indicated that Navient never returned the funds. Therefore, I sent a demand letter to Navient on XXXX XXXX 2017, along with documentation about my account and the over payment. Once again, I demanded Navient to return my over payment. I spoke to XXXX XXXX, in the Office of the Customer Advocate, on XXXX XXXX, 2017. She told me that she would check into the status and get back to me byXX/XX/XXXX. When I did not hear from her, I send her an email on the morning of XXXX XXXX, 2017. She called me later that afternoon onXX/XX/XXXX, and told me ( yet another story ) that the check was returned to Navient as undelivered and on XXXX XXXX, 2017, and that they resent it on XX/XX/XXXX, but that the check remained uncashed. Once again, I demanded verification and was told that it would take up to 10 days. I sent an email to XXXX XXXX onXX/XX/XXXX with instructions on where to send the refund payment and further requested confirmation when the check would be send. I also demanded documentation and a written explanation from Navient about its efforts to refund the over payment. I have yet to hear from XXXX XXXX or anyone else at Navient. It has been almost four months, since my student loan with Navient has been paid in full and yet it refuses to return my over payment. Navient has engaged in fraud and has wrongfully converted my funds.
Product: Checking or savings account

XXXX Down fraud transfer my name and use my name request and send my wife name to transfer with my phone service port line pull to make another account and pull to information my phone service and phone service give 7 days temporary pin without my permission and make XXXX dollars money transfer my account to wife account and money is gone Bank blaming to us we request mistake but we not request the reason we dont need this money because the day is car payments and comed payment why we move or transfer this money to XXXX XXXX money in my account I deactivated because few days before debit card bank order and we not in position this card before hacker use my card purchase and thats day incident Ill be stop my XXXX XXXX 
Anyway is long detail me and my wife dont request this fund by XXXX we facing serious theft and we need to bank fraud department to find more detail because is not our number use to transfer money I have several proof in my hands
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2018. I pulled my Experian credit report showing my XXXX XXXX account for my XXXX XXXX XXXX still seems to show open on my Experian Credit Report. A comment was placed on the account that reads " account payments managed by a financial counseling program ''. This is a fraudulent comment that has been placed on my Experian report as no payments are being managed by a counseling agency. On my XXXX & XXXX report, the account shows closed & paid off. I have been trying to resolve this with Experian for over 2 years, and they always come back saying XXXX has verified the account has still open. Experian continues to violate the FCRA and keep this account open. XXXX XXXX has not verified this account correctly.
Product: Checking or savings account

On XXXX XX/XX/2018 I desposited my school refund and a cashiers chque in the total of amount of {$47.00}, XXXX. 

The monies were available for more than thirty days which my bank PNC then determines the cashiers check was fraudulent and took all the monies back with out an investigation. Are banks insured by FDIC? 

Never in my life have had a check bounce. How will my bills get paid? PNC took all money back and spoke with an investment bankers who said they were not suppose to go in my account and do that without an official investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. XXXX ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( XXXX ) XXXX XXXX. XXXX ( XXXX ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( XXXX ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted Transunion via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. Transunion is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with Shellpoint Mortgage Servicing reporting me in error 30-60-90 days late. When in fact I made all the payments they requested.

During the Covid 19 pandemic I chose to put my mortgage in forbearance since non of knew what the future would be. It was my understanding that the mortgage would be put on hold and when things were back to normal, they would put the loan obligations on the back end of the mortgage afterwards I would resume regular payments. Or find some other arrangement.

I called Shellpoint Mortgage, They where not very helpful or did not know what to do. I was told to go on line and fill out a form to get out of forbearance in order to renew my mortgage.I tried to explain to them that all I wanted was to put the missed forbearance payments at the end of my mortgage and start making my regular payment., I was told a gain to go online which I did. 
They then told me me to make payments of {$1000.00}, which i did. It is a little less than my usual payment of {$1200.00}. It is a couple XXXX less than my normal payment which I offered to pay. I nor the Newrez person seemed to understand. I thought it my have something to do with my escrow account ( taxes an insurance ) Thats fine and dandy, I make ALL of the payment on time every time as I have for XXXX years without missing a mortgage payment. 

I have a copy of my check registry to show I faithfully made the payments. ON TIME! 

This issue is really messing up my life. My credit score dropped substantially preventing me from getting favorable rates on a HELOC or restructuring my credit cards, as the balance has increased due to poor cash flow from COVID 19.

I just dont see where I went wrong. I followed their instructions to a T. I thought we could put our mortgages in forbearance without penalties or consequences. Doesnt the CARES act protect me from not suffering harm to my credit rating during the period that I received the accommodation?? 

I did as I was told and and made the payments for a lesser amount for 3 months, even though I had No problem making my payment for the original amount. 

I have copies of the debit transactions showing I made ALL payments on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the following creditors explaining I never applied for correct with them as Im not in market for a new auto loan : Equifax XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX  XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute fraudulent accounts under my name with the main three credit bureaus. XXXX  and XXXX  have taken care of the issue and deleted all the accounts that do not belong to me. As of today Equifax is still reporting those accounts as mine and it is hurting me to get a mortgage loan. I have submitted multiple disputes and they keep reporting the accounts. I have sent them my police report and all the documents needed to prove my identity. However, they have not taken care of the issue.
Product: Credit reporting or other personal consumer reports

WF CRD SVS fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). WF CRD SVS is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ). 

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Credit reporting or other personal consumer reports

In XXXX of this year I reached out to Experian and told them that they had all of my personal information reported incorrectly and I noticed that there were accounts on the report that didnt belong to me. I told them that they needed to fix all of this and they told me to put it in writing so I did. THEY DID NOTHING! I wrote them and disputed again in XXXX and again THEY DID NOTHING. Not even a response! They are intentionally ignoring me and refusing to abide by consumer laws put in place to protect me. It is now XXXX and my credit report is still WRONG. I feel violated and humiliated when I look at my report and/or when anyone else does too. This is not right at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

This is regarding a 4 year old debt. I co-signed someones bail to prevent their loss of employment. The original debt was for XXXX XXXX XXXX in the amount of {$790.00}. I believe the debt may have been purchased from XXXX XXXX XXXX by XXXX XXXX XXXX, XXXX and later sold to AWA collections. I became concerned when I noticed a different amount and creditor on my credit report and disputed the amount. Since the dispute in XX/XX/2018, the amount has increased to {$1000.00} and appears to be increasing at a daily rate. I contacted the creditor to whom the debt was sold and was told it will gain interest 6 % everyday until it is paid and up to 10 %. When I asked the criteria for applying interest she did not know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX XXXX Date of Inquiry XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th attempt contacting the credit bureau about the afore mentioned accounts. These accounts do NOT belong to me and I ask that they be deleted from my credit profile. 

FDCPA Section 807 Violations Mispleading False Reporting XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXXdischarged Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX Account Info Reference Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$570.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$570.00} {$570.00} Payment Info Original balance {$570.00} Balance {$570.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

As of today, the Apple Card issued and administered by Goldman Sachs Bank is still reporting as an open and active account on my XXXX credit report. The account was closed in XX/XX/2022. Therefore, an update needs to be done to ensure that all credit reporting repositories show this information as a paid as agreed account, zero balance, closed by consumer.
Product: Mortgage

*Submitted loss mitigation package XXXX/XXXX/2015. File was deemed complete XXXX/XXXX/2015. 
*This file has been in and out of review 8 times. I have attached dates and case tracking for your review. 
*I have escalated this file to Ocwens escalation department on multiple occasions. I have also attached those documents for your review. 
*I am asking for your assistance with the loss mitigation process with this servicer, Ocwen . The only response that I have received from the last escalation is " under review ''. Documents are aging, not because of a delay with the borrower, but because of Ocwen. The borrower is faced with great difficulty each time a document is requested. It feels as if this servicer wants the borrower to give up. Each delay is pushing the borrower to that point. The borrower does not have enough equity to make a reverse mortgage feasible. Prior to entering into the loss mitigation process the borrower had researched refinance options but was told there was no way to approve because of income. She could not have afforded the appraisal or closing costs to refinance. 

*We need help and oversight.
Product: Credit card

I have received several phone calls from a fraudulent group claiming tobe Macy 's and stating that I have personal financial business they needto discuss with me on behalf of Macy 's. I have since contacted Macy'sdirectly and I owe them no monies and there is no update on myaccount that they were privy to that I needed to be notified about. 
This fraudulent caller has continued to harass me even though I havenot answered since the initial phone call from phone number ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to Transunion was dated XX/XX/2022, but I never received a response from them. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please fix the account : XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote a letter to XXXX XXXX XXXX XXXX to opt out of reporting which is my consumer right over a month ago I also sent that same letter to Equifax and they both ignore my letter I'm now asking for the cfpb to enforce My consumer right to remove the account and honor my consumer right according to the XXXX XXXX XXXX XXXX XXXX 

Both letters will be in the attachment section below
Product: Debt collection

They are continuing their harassing calls and this is becoming childish and if it goes on any longer I will hire a lawyer that will easily win this case due to the circumstances. XXXX XXXX XXXX is not the number that owes this debt and I will not repeat myself.
Product: Debt collection

I have reached out multiple times to ConServe to ask for information surrounding this account, as the information they have is mistaken. Not only has ConServe not provided this information in full, but they have also failed to substantially respond to errors in the information they have provided as to why this debt in this amount is valid to me. 

Currently, ConServe has indicated that I owe {$780.00} for a registration fee of XXXX of {$620.00}, a registration fee of {$510.00} for XXXX, and 3 late fees totaling {$45.00}. However, records show that I dropped the classes on XX/XX/XXXX. According to XXXX 's reimbursement policy, the last day to drop classes with 80 % drop of charges is XX/XX/XXXX. The charges ConServe claims that I owe do not reflect 20 % of either classes ' registration fees- which would result in a {$220.00} charge, before late fees. Further, XXXX 's policy is to charge a late fee for each late payment. The records sent to me indicate I owe 3 late fees though there are only 2 payments due on the account. 

I last reached out to ConServe on XX/XX/XXXX regarding this issue and have received no repsonse.
Product: Mortgage

In the beginning of XXXX I applied to refinance my home mortgage through American Financing and was assigned a loan officer. He was very courteous, informative, and responsive to the questions that I had about the loan and submitting any relevant information. As time went on and I submitted any missing pieces to the application, I was assigned an additional helper by American Financing to answer questions. 100 % of the time he forwarded my  questions back to the original loan officer because he stated himself he was not qualified to answer them. 

This further delayed any responses that I was getting regarding the loan. After numerous voicemails and e-mails to the original loan officer with more questions I had, I was finally able to make contact with him ( weeks later ) because I asked the receptionist to be assigned another loan officer. He then begrudgingly reported to me that my debt to income ration was too high and that he would need another current paystub from me in order to proceed. ( First of all, why not just give me a call instead of keeping me in limbo for weeks, and return my voicemails/emails? It seriously takes 2-5 minutes out of the day to answer someone and explain what is going on ). I also mentioned that I was willing to have a cosigner support me through the application if necessary. Next, instead of waiting for my most current paystub ( which was a much higher amount than the previous ) and considering the possibility of a cosigner, I received a rejection letter by email with no message or rationale attached. Just a flat denial on a pdf sheet. 

Although speculative, this cold response felt somehow like a sleight to me for asking to be assigned another loan officer? I seriously just wanted answers and to talk to someone consistently about the application because time was going on for days without a response. He even told me that the acceptance/denial was in his hands, so I don't understand why he was unwilling to have a conversation about my financial situation and the factors involved. I even submitted a message from my current employer regarding the stability of my job in spite of the pandemic. 

Not only was this whole process confusing and non communicative, I was also at one point told by the helper that I was pre-approved and that we were going to continue with the application process. The loan officer later told me that he is new, made a mistake, and was looking at the wrong account. 

It felt pretty awful to go from communicating with a very normal, professional person to then being treated like a nobody as they apparently started to realize that my credentials might be too tight for them to consider. 

And if the guy was just busy.. just tell me that! All I needed was a bit of decency in communication regarding what was going on, instead of blatantly ignoring my emails and phone calls. 

It feels snaky to have my credit report pulled ( to its detriment ) and then just bail on the process with no further explanation as to why we were unable to refinance or considering other alternatives.