23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On previous occasions, including on XX/XX/2024 at around XXXX XXXX time. I spoke with a representative of Lakeview loan servicing. The representative seemed unaware of the federal regulation requiring mortgage XXXX balances to be applied to principal after a payment is completed. I requested an escalation to supervisor. The supervisor seemed to be unaware of the federal regulation requiring the application of XXXX balances to principal. Furthermore, the supervisor seemed confused as to the topic of conversation or unaware of the context of the previous conversation on multiple occasions, indicating a possible attempt at using confusion to discourage consumers from requesting the services entitled to them under the law or an unqualified individual answering the companies phones. I requested the application of my existing XXXX balance to my principal. I also requested a review of my account to ensure that the XXXX balance was being applied XXXX automatically to my principal, the supervisor confirmed over the phone that the XXXX balance was not actively being applied automatically to my principal balance- as required by federal regulation. The supervisor informed me that I needed to make an explicit request to apply the extra XXXX funds to my principal, which is not in accordance with federal regulation. The company has failed to apply the payments accurately on multiple occasions. The typical payment is of XXXX biweekly. With a XXXX payment of around XXXX. The remainder should automatically be applied to principal. Previously I called and had the XXXX balance of about XXXX applied to my principal, indicating that they had failed to perform their duties for at least XXXX months. On this occasion, I was informed that I had a XXXX balance of about XXXX, indicating that they failed to perform their duties for another XXXX months. The last time that the issue occurred the company assured me that this would not occur again. The issue has occurred again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXXEquifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct the account completely from my Credit Reports : XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am trying to buy a dishwasher. I had to unfreeeze my account to apply for a credit card that would provide 12 months same as cash. I had no problems at all with XXXX or XXXX. Experian blocked my request, which denied my credit. I have tried for 4 days to speak to a representative and their automated system tells me there is no representative available and hangs up. I have tried at all hours, different days with no success. My personal bank and my credit monitoring company has advised that Experian is always an issue when someone freezes and unfreezes their accounts. Experian tells me my account are unlocked, but the credit inquiry tells me Experian blocked the request. I can not get it resolved online or on the phone. I am going to try to send hard copy to them, which is think is very unfair and untimely based on someone's need to repurchase an appliance that is broken. I have good credit. I am not trying to get over on anyone. It's very embarrassing to be at a store and have your credit denied two times.
Product: Student loan

Navient provided incoherent response to my previous complaint. 

Company 's Response Thank you for reaching out to the CFPB with your concerns regarding your student loan account. Our records confirm that your Income Based Repayment ( IBR ) renewal was processed on XX/XX/2020 ; however, in response to the impact of COVID-19, on Friday, XX/XX/2020, President Trump announced that the U.S. Department of Education ( ED ) will waive interest on all federally held student loans and automatically postpone payments through XX/XX/2020. Your interest rates have been reduced to 0.00 percent during this period. Interest that accrued prior to the suspension will remain your responsibility. During this time, no payment will be due. This forbearance will not count against your voluntary forbearance time. Although you will not be required to make monthly payments during this specific administrative forbearance period, payments you would have been required to make under IBR through XX/XX/2020 will count toward loan forgiveness provided all other qualifying factors are met. If you choose to make payments during the administrative forbearance period, you may do so ; however, youll need to make those payments manually ( not through auto debit ). Well communicate with you in XXXX to help prepare you for XX/XX/2020, when the 0.00 percent interest rates and administrative forbearance period ends. Theres no other action needed, unless you want to opt out of the administrative forbearance weve placed on the account. If you want to opt out, well remove the administrative forbearance and youll be required to make monthly payments. The 0.00 percent interest rates will remain in effect, will not be charged interest through XX/XX/2020, whether the forbearance remains in effect or not. 

Navient unilaterally assumed I did not want to start making payments on my IBR plan. Their assumptions ARE INCORRECT. 

SEND IBR PAYMENT AMOUNT DUE NOW!!!!!!!
Product: Checking or savings account

I have been over charged draft fees and was being charged by a company for years though I asked for that to be stopped. Constantly being over charged
Product: Checking or savings account

I opened XXXX joint accounts with Charles Schwab with my sister, who lost her husband due to a reckless driver hitting him as a pedestrian last fall. After consulting her, we opened a joint checking and brokerage account to send the insurance money to so I could help her by using the money to purchase derivative income instruments to make up for the loss of income and keep her house. Without explanation, Schwab locked these accounts around the weekend before XXXX, leaving us distraught over what to do. Almost $ XXXX in assets were frozen and when we asked the local Schwab representative about it, they only said it was " flagged for fraud '' and they could not contact the fraud investigations department directly. This was on the XXXX of XXXX. 
After confirming our identity and our account activity, they merely requested to remove the freeze. We went to the same location on XX/XX/XXXX with the same result. We can not make transfers or trades and despite calling several times no actions have been taken to unfreeze the account. These people are not police. They do not have the authority to deprive access to client assets without probable cause and act in shadows to prevent timely resolution.
Product: Debt collection

Voicemail from ( XXXX ) XXXX " We have an important message from Midwest Recovery Systems. This is a call from a debt collector. Please call XXXX. '' Go to XXXX XXXX >
Product: Debt collection

This collection agency calls very frequently. They not only call my cell phone, but the home phone, my parent 's cell phones and even my sister and brother-in-law 's cell phones. My dad received a call from them yesterday and they refused to say who they were
Product: Checking or savings account

This complaint pertains to both a new Checking and Savings account with US Bank. The mailer prominently displayed " Get {$800.00} '' I responded to a mailed advertisement for a {$400.00} checking and {$400.00} savings new account promotion. The promo code was XXXX. 

I called US Bank as instructed on the document to open the correct product accounts. The customer service rep helped me open both Checking and Savings account and recited the promo code back to me to confirm. 

I met ALL stated terms on the promotion including dates, direct deposits, and minimum balances. The date by which the promotion amount should have been deposited passed with no bonuses deposited. 

I emailed customer service via email and had several exchanges. The rep helping me, XXXX XXXX, was very friendly and attempted to resolve the situation. 

Ultimately they confirmed I met all criteria, but that the code was entered incorrectly ( again, must have been by the telephone rep since it was over the phone ) and they attempted to but could not enter it correctly since the date of the promo had passed. 

Response : " I noticed the incorrect code was added to the account when it was opened so I submitted a request to have the correct promotional codes added to your accounts. It should take 2 business days to complete. '' Several exchanges later, the email rep apologized and said there was nothing they could do. 

Response : " I heard from our back office about the bonus again. They weren't able to add the bonus because the promotion is expired. I'm so sorry for any disappointment. ''
Product: Credit reporting or other personal consumer reports

My information was exposed in the data breach. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 U.S.C. 1681B ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, I have filed police reports, wrote letters, sent in proof, called all 3 bureaus multiple times, probably close to hundreds of times now. I am a person, I am natural human, a citizen who works hard and pays my bills. I am embarrassed and ashamed by not being able to have credit and live the life I am accustomed too. I did not make these charges, I did not open these accounts, yet I am treated like a criminal instead of a victim. I filed the police report, I sent in copies of everything asked from me on MULTIPLE occasions. 
I am demanding these accounts be removed from my credit report by all 3 bureau '' s and I am demanding that inquiries be removed!!! 
Account : XXXX XXXX Bank XXXX XXXX XXXX. XXXX # XXXX. XXXX Bank # XXXX. XXXX Bank XXXX XXXX XXXX. XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft. This student loan doesn't not belong to me. I have filed a police report concerning this matter Case number XXXX. I submitted this information & haven't got any resolution to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

aIn accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 
ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX # 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 States : A consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) States : 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  issued me a XXXX back in XXXX, and they are still reporting that I owe the full balance on the account. The account should show a ( XXXX ) balance. I want them to either remove this or show a ( XXXX ) balance. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX - XXXX - Account Number : XXXX has violated my right, And lists of unauthorized inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Student loan

I have been enrolled in auto pay throug Navient for over one year. My interest rates changed on my private loans in the last month, yet I am paying late fees for XXXX and XXXX. One representative told me it was an error and it would be handled. It never was. Another told me it’s only for XXXX, which is incorrect based on the statement provided from Navient. A supervisor told me it’s an accumulation for months yet I have never been informed. And another representative told me the company doesn’t know when rates change so they don’t know what my payments should be. I am a XXXX year old XXXX  struggling to make the payments monthly, but I have been paying as requested, even the late fees even though no one at the company can provide me with an accurate answer as to where the late fees are coming from. I spent 2.5 hours on the phone just today and still could not get an answer but was switched between representatives and supervisors countless times. They’re unprofessional on the phone, claiming I don’t pay, when my payments are automatically withdrawn.
Product: Student loan

I was receiving monthly bills for {$910.00} from XXXX Mohela for my student loan. My first issue was back on my first bill in XXXX. I put in the information to my bank account using my correct ID number for this loan account and I provided the address information that I had on the bill. Apparently that is not the correct address as that does not go to the billing center which doesn't make sense considering that's the information given to me on the bill. I had to wait weeks for this payment to finally go through. One end it said it was paid but I never had the money taken out of my account. I was frustrated and becoming worried that I would not have the money in my account when they finally took it out AND that I would have to do another payment before this original payment was taken out ( essentially XXXX {$910.00} payments at once ). 

I finally contacted them when I noticed it wasn't being taken out as I'm now worried that it would mess up my credit score/interest charges, etc. They informed me that the check from my bank was being sent to the wrong office. I informed them that I have no other information about where to send and the correct information should have been provided. This was cleared up as I expressed my frustrations. 

I now did not receive my XX/XX/2023 bill that was due on XX/XX/2023 until XX/XX/2023. I received the bill A MONTH late and 11 days after the payment due date. I called to inquire before the due date why I had not received a bill for this month ( with all of the repayment plans, etc it gets confusing what is actually due when ) and they informed me that a bill was sent and I do have the payment ( they have claimed sending me bills before with another loan I have with them but I have never received them in the mail ). They resent that bill and I got the original one in on XX/XX/2023. I then received XXXX 's bill a few days later totaling XXXX 's " missed '' payment and XXXX 's making it {$1800.00}. I again call in a panic asking what is the true payment I owe and did they even receive my XXXX payment. They told me I only had to pay the original {$910.00}. 

It is a monthly battle with this company to receive accurate and timely information. I spend every month having to call them to figure out something whether it is because they are not sending me bills, sending them late or providing inaccurate payment amounts.