23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I will file MONTHLY REPORTS with the CFPB until either my Student Loans are PAID IN FULL or Navient is HELP LEGALLY RESPONSIBLE for their DEPLORABLE BEHAVIOR! 

I don't expect this company to actually resolve my problems as that is not their modus operandi. However, I take solace in the fact that each complaint will cost Navient money when they have to research and respond. Each dollar that you have STOLE from me will be extracted in this manner.

Navient is the most crooked Student Loan Provider in the  industry! They steal a living off the back of working families and when that is not enough to satisfy them, they steal from the US taxpayer. 

Unfortunately, I fell victim to their battle cry " forbear them, forbear them, make them relinquish the ball ''. 

I have sheepishly relinquished the ball to Navient and their predecessor Sallie Mae for over 16 years and as of today, my balance is nearly the same as it was on day 1.

If the executive leadership at Navient or their predecessor Sallie Mae had any ethics whatsoever, they would have informed me that an Income Based Repayment Plan was my best option. This option was NEVER DISCUSSED WITH ME until all my deferments & forbearances had been exhausted! 

Why did you wait until 2018 when all my deferments & forbearances had been exhausted to tell me about the Income Based Repayment plan? 

Why did the company 's representative convince me that forbearance & deferments were my best option when in fact an Income Based Repayment Plan would have resulted in my loans BEING PAID IN FULL OVER 5 YEARS AGO?
Product: Checking or savings account

Yes CHIME closed my account for no specific reason or they won't tell me why they closed the account I asked them to mail me a check they told me they needed documentation which was a bank statement in the last 30 days with the address on it proving the address was correct. Then they asked for a letter explaining the funds that was put in the account which I sent a letter from the unemployment office explaining the funds I also sent them my lease a picture of my state ID a ( front and back ) a picture of my social security card and they are still refusing to release my money and I have called them multiple times and they keep giving me the run around so I want to file a lawsuit and I would like to press charges for theft, because this has been going on for 6 months and I still have yet to receive my money.
Product: Credit reporting or other personal consumer reports

THE HOME DEPOT/CITIBANK pulled my report without authorization on XX/XX/2023. 

I assume related to fraud found on my report. Ive attached police report and
Product: Debt collection

I was sued by Bank of America for a credit card in XX/XX/XXXX and I do not know if this credit card was actually opened or used by me. In the summons / complaint, they included a copy of a statement from XX/XX/XXXX, but did not include any information that would be useful in determining if this account was actually opened and used by me. This timeframe was during a period in which I was homeless, or in various medical facilities, and I would like to have sufficient information to determine the accurate origin of this credit card, as well as the respective credit card agreement in effect at the time this card was opened.
Product: Credit reporting or other personal consumer reports

Account was closed in XXXX of XXXX. No valid reason was given from lender on why the account closed. But after account was closed they starting reporting late payments to the account when during the entire contract I was never late. Account is closed but company still and currently has it active. When pulled up online or on app, its still giving statements as if its active. Called to ask Citi bank whats going on here and talked to at least 5 representatives. I asked for statements to be faxed and company came up with excuses of why they couldnt. Also no one had any answers as to why the account is still reporting and giving statement dates, if its been closed since last year of XXXX. Company said they apologize for the error and inconvenience, that theyre is nothing else to do on my end and they will contact me. That was on XXXX XXXX.
Product: Credit card

I have had a Direct Express Debit Card for several years. I get my SSI electronically transferred to this card on the XXXX of each month and my XXXX transferred to this card on the XXXX of each month. On XXXX/XXXX/2016 my first card expired. Before my first card expired, I was sent a " Dummy '' replacement card from Direct Express. When I tried to activate the new " Dummy '' card about XXXX on XXXX/XXXX/2016, I was told by a Direct Express Representative that she could n't activate the card and it must be a " glitch '' in their system. She said she would send me a replacement card without charge and it would take 5-7 business days, but if I wanted my Direct Express Debit Card in two days there would be a Express Shipping Charge of {$15.00}. She went on to say that once I received the card I should n't have a problem getting a credit for the {$15.00} Express Shipping Charge since the first replacement card that was sent to me could n't be activated. On XXXX/XXXX/2016 I called Direct Express Credit Card Services to check the status of my replacement. I was told that a request for a replacement debit card had not been submitted. A man told me he would submit a request for a replacement card for me, but there is a {$15.00} charge for Express Shipping. By this time my SSI was two days late, the reason was that I had received a " Dummy '' Direct Express Debit Card that could not be activated in their system. After speaking to a Direct Express Representative the second time, I called within two hours and my second replacement card was in the process of being shipped. Direct Express took {$15.00} from my account to pay for the shipping of my second card. I was and am still angry that I had to pay a shipping charge. I have spoke to many Direct Express Representatives and am told that the charge of {$15.00} Express Shipping was a valid charge to my card. I should not have been sent a " Dummy '' Direct Express Debit Card that could n't be activated because of a " glitch '' in their system. I should n't have had to pay for shipping at all. The " glitch '' was their problem. I had to wait at least until XXXX/XXXX/2016 to receive my SSI/XXXX Benefits because of Direct Express Debit Card Services " GLITCH. ''
Product: Money transfer, virtual currency, or money service

I Have an account in Coinbase with XXXX XXXX XXXX. Since 2 months I cant sell, transfer or buy cripto currencies because the account is under revision. I Have tried to speak with coinbase and its impossible, no answer. Calls, email... but no solutions. 

I would like to send my cripto currency. 

Thanks
Product: Mortgage

My mortgage company ( Lakeview Loan Servicing ) failed to make my property tax payment by the due date ( XX/XX/XXXX ), per my courthouse. While I was at the courthouse paying my other property taxes, I paid the property taxes on my home ( XX/XX/XXXX ), because they were going to be delinquent. 

The mortgage company eventually ( after the due date ) paid my property taxes to the court house in the amount of {$760.00}. However, my courthouse could not cash their check because the property taxes had already been paid by me. 

I have tried, relentlessly, to get my mortgage company to reissue to me the {$760.00} that I am owed for the duplicate payment. Most recently, I spoke with them on XX/XX/XXXX, where they told me they made a request to my courthouse to refund their payment on XX/XX/XXXX. They told me that my courthouse was slow in processing overpayments, so it would take 8-12 weeks from the date of the request ( which would be XX/XX/XXXX, at the latest ). However, my courthouse is adamant that they never even cashed the check from my mortgage company, despite the fact it was withdrawn from my escrow account. They say they mailed the check back immediately to the mortgage company. Today, I spoke with my mortgage company again, since they should have received the overpayment early last week ( nearly TWO WEEKS ago, per their own guidance on my last call in XXXX ). 

Today, one representative told me that they HAVE received the check from my courthouse, but that they are waiting on XXXX XXXX  ( which I assume to be some third-party administrator ) to send Lakeview the money XXXX I asked for the issue to be escalated to a manager, and the manager claims that they do NOT have the check from my courthouse. She tells me that she has no idea when they will receive it, but my courthouse ( who I spoke to this morning ) maintains their duplicate payment was NEVER even cashed! 

I feel as though the mortgage company is taking advantage of the fact I can't do anything to get my money back. I shouldn't have had to make the payment in the first place, as it's their responsibility to remit my escrow payments in a timely manner. I have now paid TWICE for my property taxes, as my escrow account was debited for the duplicate payment. It has been nearly six months, and I feel this is unreasonable for a financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : riginal Creditor : 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 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 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: Mortgage

We have a chapter XXXX case going, our mortgage arrears are included in our chapter XXXX we are paying our chapter XXXX every 2 weeks on time. PNC is our mortgage company, I find out information by calling not by notices. My XXXX complaint- they do n't send notices! We were approved for a reduced principal modification back in XXXX, showing our XXXX payment due on XXXX XXXX, 2015. We sent all the paperwork back by the end of XXXX as requested, we signed and had the paperwork notarized. I had n't received any payment books or papers stating completion by the end of XXXX, so I called PNC to find out that the modification could n't be completed due to PNC wanting a motion from the bankruptcy judge approving the modification. I had no paperwork, or calls regarding this issue. I found out due to calling in to PNC. I talked with our attorney for bankruptcy and they were able to get the motion heard XXXX weeks later. Our attorney advised us that the judge will not rule on the motion due to the ruling being unnecessary. Our home is not included in the bankruptcy, only the arrearage. So I have n't heard from PNC, and we were planning on making our XXXX XXXX payment, I still have n't had any correspondence from PNC. I called yesterday XXXX/XXXX/2015 and found out that our modification was thrown out due to the judge denying the motion as unnecessary. I will attach the judges decision. I spoke with a person in the bankruptcy department for PNC and she stated that the denial due to it being unnecessary should n't go against us for the modification. I was asked to send in the letter our attorneys sent us stating that as expected the judge denied the motion as unnecessary. I called PNC today to verify and faxes take XXXX days to upload, the person in loss mitigation did say he would send an email to the closing department to see if they can get our modification reactivated. I was asked to call back on Friday afternoon. How can we get denied since a judge denied the motion as being unnecessary?
Product: Credit reporting or other personal consumer reports

I am writing to formally follow up on a dispute I filed regarding the accuracy of information on my credit report. The dispute investigation was completed on XX/XX/year>, yet to date, I have not received a description of how the investigation was conducted, including the procedures used to verify the accuracy of the information in question. 

This is my second attempt to obtain this crucial information. According to the Fair Credit Reporting Act, specifically 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used during the investigation, including how and from whom the information was obtained. Failure to provide this information within the legally mandated time frame violates my rights under the law. 

I kindly request that you provide a detailed description of the investigation as required, including how the information was verified. Please consider this a formal demand to comply with your obligations under the Fair Credit Reporting Act. If you fail to respond adequately, I will be forced to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or pursue legal action. 

As this is my second attempt to obtain this information, I kindly ask for an immediate response that complies with the FCRAs requirements. If XXXX is unable to provide a complete description of the investigation process, I demand that this disputed account be permanently deleted immediately from my credit report in accordance with my rights under the FCRA. This is a violation of consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

To Whom It May Concern : I received the attached letter from SPS today. I am baffled and befuddled how this company can not correct the Escrow account? The letter sent is still INCORRECT. They have changed my property taxes to {$9000.00} and my property taxes are {$18000.00} PER YEAR? 

This is beyond frustrating. SPS is going to make us loose our home? And to top it off. I have been writing letters to them to correct the escrow account to reflect the correct annual property tax amount since XX/XX/XXXX an entire year. 

I have attached the property tax bill from XXXX XXXX XXXX and it clearly states {$9100.00} is due XX/XX/XXXX and {$9100.00} is due XX/XX/XXXX. This totals, {$18000.00} First and foremost the {$9000.00} amount is short {$390.00}? 

Second, based on this escrow analysis my escrow account will continue to be SHORT. By XX/XX/XXXX it will be short again. By XX/XX/XXXX it will be short again ..... 

Based on my complaint it is my contention that SPS should be liable to pay any shortage as they will not calculate my monthly escrow account correctly? I should not have to pay an additional shortage amount every month for the duration of this loan. IT NEEDS TO BE CORRECTED. IT IS NOT CORRECT. 

Is there anyway I can get a new servicing company because SPS is going to make me and my husband lose our dream home over property taxes? 

If, the property taxed are {$9100.00} two times for the year? HOW CAN MY ESCROW BE SET AT {$9000.00}? PLEASE EXPLAIN THIS TO ME? IT DOES NOT MAKE SENSE? 

FURTHER I AM REQUESTING THAT SPS BE RESPONSIBLE FOR ANY SHORTAGES AS THEY ARE NOT CORRECTING MY ESCROW ACCOUNT WHICH THEY ARE BOUND TO DO BY LAW. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I notified all 3 Credit Reporting agencies - XXXX, XXXX, and Experian- as well as XXXX XXXX XXXX subsidiary- that I was no longer an authorized user of my XXXX XXXX XXXXXXXX XXXX Credit Card XXXX None of the parties have removed the debt from there reports. The end result is that my credit score has been artificially been kept low by including this debt in the calculation of my credit score.
Product: Bank account or service

I applied for accounts with Ally Bank and they opened my accounts made money transfers from my origianl checking account and then blocked access to my Ally accounts and wo n't give my money back. They say they could n't do the credit check and think I 'm fraudulent. I told them never at any time on their website did they tell me they would do a credit check and I was a victim of id theft a few years ago and froze my credit reports. They refuse to give the money back. They should never have opened accounts or transferred my money to their accounts if they could not do the credit check. And they should have advertised and told me online they do credit checks.
Product: Checking or savings account

On XX/XX/2019 Synovus completed its purchase of FCB Financial Holdings. I used to have an account at FCB, which I promptly closed ahead of the merger completion date. I've never been a customer of Synovus, neither do I want to be. I have received multiple emails from Synovus that just won't stop and they have no opt out link in them. I have reached out to the local President of Synovus on several occasions ( one of the emails was a welcome letter from him ) asking to be removed from the email spam. 

Today, XX/XX/XXXX at XXXX I received another email from Synovus informing me of customer wait times longer than normal. I don't care : I'm not a customer. Any emails from Synovus sent to me at XXXX must stop immediately.
Product: Debt collection

XXXX claimed I owed them {$640.00} as of XX/XX/XXXX, but that was not true. 

On XX/XX/XXXX, I made a purchase of {$640.00} on XXXX XXXX via XXXX. This order was then canceled, and from that day, XXXX claimed I owed them that amount of money even though it was purchased by a credit card linked to XXXX. 

I have tried to contact XXXX by email in the past few months to dispute the issue, but I have never heard from them. XXXX then closed my account, and I can not contact them again.
Product: Debt or credit management

I ran into a problem with my personal account around XX/XX/year> and was told over the phone without any proper or clear information that I wasnt allowed to bank with Navy Federal Credit Union any longer. Not only did i have a car loan that i was paying off, I had a personal loan and a credit card account all accumulating to about {$28000.00} that they shut me out of. My initial plan was to repay but this has negatively and greatly impacted my life and credit score and is still annotated on my reports today. I, as a veteran of XXXX XXXX XXXX XXXX  do appreciate the services of Navy Federal Credit Union, but this incident has had an extremely hard impact on my life. If Navy Federal Credit Union does not forgive me of the debt accounts they sold and remove it from and cease the reporting of said accounts to all 3 of the credit bureaus, i will be forced to sue and take part in the current open law suit against Navy Federal Credit Union.
Product: Mortgage

I began the process to refinance an existing loan with Amerisave Mortgage on XX/XX/XXXX. Since then, I have provided all financial documents requested. I noticed that I had a new loan originator assigned to me and inquired why I had someone new assigned to me. I noticed that the online portal stated that I needed to complete the loan application and inquired why it stated that I needed to fill out the loan application if I had already done so. 

On XX/XX/XXXX, my loan processor requested that I send her information about my retirement account. I provided the information to her on XX/XX/XXXX. Amerisave requested a payout amount from my mortgage company and I was told that my loan was in underwriting. 

Since XX/XX/XXXX, I have repeatedly ( eight phone calls and at least 3 emails ) contacted the loan processor and others at Amerisave to check on the status of my loan. I have received zero responses regarding the status of my loan ( no returned phone calls nor emails ). I am concerned that the loan company is trying to let the time run out so that they don't have to honor the loan application.
Product: Credit reporting or other personal consumer reports

Greetings! I am submitting this complaint to seek another answer as to why I am seeing another inaccurate late mark in one of my accounts. I recently received a copy of my credit report, and found that this account ( XXXX XXXX ) was already repaired months ago. And I am 100 % sure that I paid this account on-time since then. So, I feel that the information reported about this account is misleading and incomplete. Therefore, I am requesting that the Credit Bureaus will re-investigate and REPAIR this account again : XXXX : XXXX XXXX Balance : {$49000.00} XXXX : XXXX XXXX Balance : {$49000.00} TRANSUNION : XXXX XXXX Balance : {$49000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of violations pursuant to the Fair Credit Reporting Act. The consumer reporting agencies have violated 15 USC 1681b ( 2 ). I never provided them written instructions to furnish a consumer report on me, but yet they are doing so and with inaccuracies that are damaging my reputation.

I have recently pulled my consumer reports again today, XXXX/XXXX/2022, and find that the consumer reporting agencies are still violating my rights. 

Pursuant to 15 USC 1681b ( 2 ), you are to remove ALL negative accounts as it pertains to me, the consumer and natural person. You are also to mail me a copy of the updates to the address provided. See attachments of the accounts that are to be deleted immediately. 

In the attachments, you will also see all XXXX consumer reporting agencies ' failures to ensure the maximum possible accuracy as well which is another violation under the FCRA.
Product: Checking or savings account

I was sent a card by mistake in the mail from Citibank and it had a debit card in for a checking account that I never opened
Product: Credit reporting or other personal consumer reports

I have requested Equifax to update my personal information, but they have failed to make the necessary corrections. I have submitted all required supporting documents to verify my updated information, yet the issue remains unresolved.