23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loans were serviced by Navient who repeatedly recommended and encouraged me to go into forbearance in XXXX and XXXX rather than make qualifying payments towards what would have been public service loan forgiveness ( PSLF ). This has extended my loan obligation and will in the end cost me thousands of dollars. It is only now coming to light through various reporting that this was a deliberate strategy on their part to get borrowers off the phone. I would be happy to provide whatever evidence is necessary for CFPB to take action against Navient for intentionally misleading borrowers.
Product: Student loan

Navient has continuously charged usurious interest and has not applied payments toward principle. We have paid more than {$40000.00} interest on a {$46000.00} loan over a period of twelve years.
Product: Mortgage

i had a fire claim. The insurance company tendered multiple payee checks. We signed and forwarded the checks to the lender. All of the repairs that were the subject of the claim were performed. The lender is refusing to process the checks. I need to pay the contractors who did the repairs, but the lender is refusing to reimburse me approximately XXXX XXXX 

Equally concerning is the fact that i send the lender emails, and the lender never responds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXi got a letterbf said date saying my XXXX  XXXX XXXX due to globle warning the chip is in default .i called XXXX dealership .explained .made an appointment .said ( ( WE CAN TRADE YOU ANOTHER CAR IF ON LOT SAME YR.BUT DIFF.MODEL .UR PAYMENTS AN BALANCE WILL BE TRANSFERED OVER ) ) i get to my appoint .young lady said we just need to do a follow up .can i open my XXXX  credit report..45mins later she comes back saying YOU DID NOT QUALIFY FOR FINANCE FOR A NEW.VEC..i never ask for. A new. Car nor fanince..days later in my credit report HARD INQUIRES .with XXXX XXXX all fall under different names.i emailed 3 latters to XXXX ..no respons
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so Account name : XXXXXXXX XXXX Account number : XXXX
Product: Debt collection

Company contacted me on multiple occasions via phone. They never sent me any letters nor did they leave any voicemails. According to my credit report the collection was placed in XX/XX/2022 and I wasnt notified until XXXX about the account being placed in collections.
Product: Consumer Loan

Hi, I took out a loan at spot loan for {$300.00} and I now owe them over {$800.00} ( interest rate ) I was in a financial hardship with my son being sick and needing bills paid. My due date for payment is coming up on XXXX XXXX 2015.. I have recently lost my job. What can I do pls help!!
Product: Credit reporting

CFPB indicated that Case number : XXXX was a duplicate of Case # XXXX. 
Case # XXXX was submitted in XXXX. Case number : XXXX was submitted in XXXX. Now is the end of XXXX and nothing has been resolved even though I was instructed that CFPB was working on it.
Product: Vehicle loan or lease

Around three months ago I attempted to trade a vehicle. I backed out of this transaction, but not before the dealer paid off the loan. The account was closed for approximately three months, before being re-opened without any notification to myself. I had initiated this process, and was advised that I would be told when the account was returned to a normal state. Ever since I have been fighting the finance company to remove late fees and correct the balance so I can accurately settle the account. The information I give them never goes beyond the customer service rep I speak to, and written communications in their portal go for long periods without reply, and when they do finally reply there is again no action being taken. I don't know what else to do besides submit an official complaint, as my attempts to correct this with the company have gone nowhere for two months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about Equifax in regards to the data breach. They sold stocks before letting the public know about the data breach. They wanted to line their pockets before their stock took the plunge. 

And I checked with their website, and according to them my information might be at risk.
Product: Mortgage

Since XXXX 2013 when Specialized Loan Services was assigned as Service Provider for my loan, they have refused to send me monthly statements, respond to my written requests ( and via multiple phone calls ) for explanation of misc charges applied to my account. They will not tell me where the overage of {$520.00} in payments I made went to ( was not applied to principal or put in escrow ) and they continue to raise my mortage payment.
Product: Mortgage

This is a THIRD complaint on the same issue with this company. See previous complaints : # XXXX and # XXXX. 
The response provided by NewRez Compliance Department employee XXXX XXXX dated XX/XX/XXXX, states NewRez sent an email to me on XX/XX/XXXX. I sent XXXX emails to NewRez ( Assumption Department and Loan Consultant XXXX XXXX ) on XX/XX/XXXX ; NewRez did not send an email to me on XX/XX/XXXX, and has NEVER provided an email with an update on this matter. Note : My XXXX emails sent on XX/XX/XXXX, were second requests ( first request XX/XX/XXXX ), for an update on the assumption. I have also emailed several requests prior to this time for an update and have heard absolutely nothing from XXXX XXXX. 

Both parties to the assumption have asked repeatedly for an update since XX/XX/XXXX. If NewRez sent an email to me on XX/XX/XXXX, it was sent to the wrong email address. 

I am asking for a copy of the email NewRez says was sent to me on XX/XX/XXXX. This response also indicates I called NewRez on XX/XX/XXXX, which I did. If an email had been sent to me by NewRez on XX/XX/XXXX, as reported by XXXX in the letter dated XX/XX/XXXX, why wasn't I told this on XX/XX/XXXX? The response also indicates I was to follow-up with NewRez on XX/XX/XXXX, as the complaint would be escalated. XXXX ' response makes no sense! 

NewRez does not take customer service or complaints seriously, as can be seen by the above response provided by XXXX on XX/XX/XXXX. They did not research the issue to obtain the correct information for the response provided.
Product: Checking or savings account

I have banked with Bank of America since I was XXXX XXXX XXXX. I am XXXX now -- so my entire adult life so far. I am not sure why I still bank with them because over the course of the last few years, there have been multiple issues that have brought me to this level. Today, when reviewing my checking account, I noticed dozens of overdraft protection fees charged to my checking account. I was completely unaware that there would be a fee associated with overdrafts because I have my checking and savings accounts linked. The point of that, or so I thought, was that as soon as my checking account balance is overdrafted, my savings would automatically and immediately fill in the balance. 

I always had sufficient funds in my savings to cover the expenses in my checking. The whole reason I stopped keeping a balance in my checking account is because my debit card with Bank of America has been compromised almost XXXX times over the last decade. Rather than risking this happening, I started keeping all of my funds in my savings account. Any direct deposit check I received, any deposit I made, and XXXX transaction -- all of it goes directly into my savings to protect it. 

I am sure Bank of America will say that the explanation is in the fine print. That is not enough for me. I should have had a representative call me and point out that my checking account was getting charged dozens of times in the same month, and what I can only assume may be hundreds of times over the last XXXX years.
Product: Debt collection

I was sent a letter saying I owed XXXX to XXXX for vehicle insurance. I have never had an insurance payment through XXXX for that amount. It was sent to a collection company who I contacted and explained this to. The collection company wanted me to send them my insurance information. I then requested a signature sheet which they did not do and attached the debt to my credit report. When I disputed the debt with the credit reporting agency they took 2 days and said it was accurate but that they did not have a signature sheet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

1. XXXX XXXX XXXX - balance is showing as {$1100.00}, no account number listed ; account stated opened XX/XX/XXXX ; company address XXXX XXXX XXXX XXXX CA and XXXXXXXX XXXX XXXX XXXX CA XXXX, listed on both XXXX  and TransUnion
Product: Debt collection

In XXXX, I drove from Georgia to MA to visit my elderly mother. Many entities were conducting cashless tolls, including the Port Authority of New York and New Jersey. All of the signs I passed indicated that I would be mailed a bill. 

I never received a bill from the Port Authority, but several weeks ago, I received a letter, dated XX/XX/2021, from an entity called AllianceOne. There was scant information but it was trying to collect on a {$66.00} debt I purportedly owe to the Port Authority. The toll was {$16.00} and a fee was tacked on for {$50.00}. 

I called AllianceOne today to get information, fortunately, after I went to the Port Authority 's website. The website clearly states that the toll is {$16.00}, and the first late fee is {$5.00} after a month. After another month, they assess a {$50.00} late fee. I never received a bill. 

When I called AllianceOne, the person with whom I spoke on a recorded line said that the Port Authority does not have to send a bill, in case the person driving through the toll is homeless, and that it is my responsibility to call and figure out how to pay the toll over the phone. That is patently ridiculous and patently false. 

My guess is that the Port Authority and this company are working together, as the Port Authority is not sending bills, and then refers everyone for the extra {$50.00} fee, which they split with AllianceOne. This can't be legal. 

I wrote to AllianceOne today to dispute the debt and included a check for the toll amount, But they have to be ripping off lots of people traveling through the XXXX area. Please look into this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Americredit improperly & unknowingly ran credit on XX/XX/22
Product: Debt collection

There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to the invasion of individual privacy and rights. 

This Consumer Complaint is against Source Receivables Management , LLC for it's violations of the Fair Debt Collection Practices Act ( FDCPA ) against ( me ) XXXX XXXX XXXX. 

I XXXX XXXX XXXX was never afforded the opportunity to dispute this alleged debt, in violation of 15 U.S.C. 1692g ( b ) which is provided to me by law. See. 15 U.S.C. 1692g.

No Notice of Debt was ever received by ( me ) XXXX XXXX XXXX in violation of 15 U.S.C. 1692g ( a )
Product: Credit card or prepaid card

Capitol Bank is reporting false account and information on my credit file. 

I request the an original Consumer Contract with my Signature on it that is required to be on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA,  unverified accounts must be removed and XXXX  was unable to provide me a copy of verifiable proof, XXXX XXXX must remove the accounts listed below.

Attached police report and FTC report. Forward to creditor.
Product: Debt collection

On XX/XX/2019 I was contacted by a supposed private courier that said that they had a certified letter that was to be delivered to me by Friday XX/XX/2019. If I needed to reschedule the delivery they advised me to call CRS XXXX XXXX and provided me with a case number. 

I called CRS XXXX XXXX and the person that answered claimed to be a paralegal and said that the case that was against me was from an old XXXX XXXX account that was overdrawn 10 years ago for about {$500.00} and that CRS XXXX XXXX  was sending a court summons for the amount of {$1500.00} but I was given the option of making a payment plan or paying a lower amount before XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX REPORT TO EXQUIFAX THAT MY LOAN PAST DUE {$780.00} WHICH ISN'T CORRECT. MY ACCOUNT ISN'T PAST DUE. XXXX XXXX NEEDS TO MAKE SURE THEY HAVE REPORTED TO ALL CREDIT BUREAUS MY ACCOUNT IS CURRENT. THEY ARE INTENTIONALLY NOT REPORTING CORRECTLY IN MY OPINION. THEY CORRECT TWO, AND THEY ONE THAT WAS CORRECT THEY MESSED UP.

** ALL CREDIT BUREAUS SHOULD BE CORRECTED IMMEDIATELY!! **** MY ACCOUNT ISN'T PAST DUE!!!!
Product: Debt collection

This company claims they purchased a debt from charter communications, which I do not have any accounts with at all, the rep over the phone refused to give me any information or validate the debt but instead chose to hang up the phone. I am asking for them to stop all collection attempts and remove any invalid information from my credit report until we verify the original debt. 

the debt was for XXXX, on XX/XX/2022 the phone rep made a threat to place it on my credit report unless I immediately paid this. with no verification. then she disconnects the call. 
I repeat I do not have an account with XXXX or XXXX communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union I have tried to fix this and so did a lender in the past. I am alerting everyone no institution that deals with privacy manners should be allowed to use subcontractors or otherwise broken English speaking people, lets get together and make sure it is made Law. They say I own homes in Texas never happened with me, they let a Debt collector into a frozen account while they are looking at my account knowing I owe no Debt we have to put a stop to this abusive behavior.
Product: Credit reporting or other personal consumer reports

This is my second complaint and whom ever responded was very impertinent. Again i need a copy of the 1099c which means the debt was cancelled according to IRS.

The company is still send inaccurate information to the credit bureaus and this is a violation under FCRA.

FYI : The statute of limitations on debt in North Carolina is XXXX years, according to N.C.G.S. 1-52 ( 1 ).
Product: Debt collection

On XX/XX/XXXX I received a letter from American Coradius International LLC phone XXXX XXXX regarding a collection of a debt for XXXX credits accounts/Bill me later from current creditor XXXX XXXX  Original Creditor XXXX  for the amount of XXXX I called the collection agency on XX/XX/XXXX at XXXX spoke to an agent XXXX to verify the validity of the debt and was told that the account was charged off in XX/XX/XXXX. I asked her for the copy of the charges so that I can verify that the account/amount is valid but she advised me that she was not able to give me that information as she did not have it and she asked me to call XXXX XXXX  at XXXX which I did at XXXX and was informed that they " XXXX XXXX  '' do not have any records of accounts prior to XX/XX/XXXX. I was asked to call XXXX XXXX  XXXX XXXX and I did at XXXX and was told that they do not have a record of the account, they in turn asked me to call XXXX at XXXX XXXX and I did at XXXX and was again asked XXXX call XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) without success and I was asked again to call the collection agency. I called and spoke to supervisor XXXX XXXX who told me that he would be able to request the records but that would mean that the debt would no longer be with his agency, he asked me to call XXXX  back and I did again and was asked to call other departments XXXX, XXXX XXXX and I did unsuccessfully. I also called XXXX customer service at XXXX XXXX ( called multiple time reached automated reply stating we are not able to help you at this time requested that I contact the help center on line which I did and sent them messages without resolution. I called the collection agency back and asked to speak to XXXX XXXX and left a message asking him to call me back at XXXX and when I did not get a call back, I called again at XXXX, he told me that he is going to put out a request to have the details of the account mailed out to me. As I would like to resolve this matter would you please assist me in getting in touch with the group/company that is able to handle this matter. I can be reached at XXXX XXXX or via email XXXX or XXXX. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second complaint I have filed against XXXX XXXX XXXX since my mortgage was transferred to them effective XXXX ( see dispute number XXXX ). Now they are reporting my mortgage twice to Experian!!!! They are reporting my loan under XXXX XXXX XXXX with an outstanding principal balance of {$130000.00} and also reporting it under their loan servicing company XXXX XX/XX/XXXX XXXX ( listed as XXXXXX/XX/XXXX on the report ) with an outstanding principal balance of $ XXXXThis makes it look like I have 2 mortgages with a total outstanding balance of {$260000.00} when in fact I have 1 mortgage with XXXX XXXX XXXX XXXX an outstanding principal balance of {$130000.00}. It took me several weeks of calling XXXX XXXX XXXX and filing a complaint with Experian and CFPB to get my last issue corrected - this is totally unacceptable!!!! This bank needs someone overseeing their business. This has caused me so much undue stress which I do not need right now as my husband has very serious health issues I am also dealing with.
Product: Checking or savings account

Please refer to case XXXX US bank mentioned in their doc that they confirmed with XXXX  that the transaction was successful and the receipent was credited on XXXX XXXX. However, that was not true. The receipent is my wife, and she did not get the money in her XXXX  XXXX.
Product: Debt collection

This is not my debt, this is my brother 's debt. This company ( Navient ) has obtained mine, as well as my husband 's information and has been contacting us. I have already told them I do not know where my brother is and asked them to stop calling me, but they have persisted. I am on the " Do Not Call Registry '' and have made a formal complaint with them as well. I have made multiple attempts to contact them regarding this issue and have been hung up on, lied to, and treated poorly. I attempted to block their calls, but they call from a different number every time. This company seems to be looking for contact information for anyone who knows or is related to the debtor. It is completely inappropriate to harass innocent people to get what they want.
Product: Credit card or prepaid card

U.S Bank issued me a XXXX debit card ( U.S. BankReliaCard ) for unemployment benefits. I did not request this card nor have I filed for unemployment. I've tried to report this to the XXXX XXXX XXXX XXXX XXXX XXXX but I'm not certain that I was able to. 

On XXXX, I called XXXX XXXXXXXX XXXX XXXX, got the automated line, and selected the option for the U.S. BankReliacard. I spoke to whom I believe was a US Bank representative who said she deactivated my account. I say I believe she was with US Bank because it took her very long to respond to questions and she did not seem certain or knowledgeable about her responses ... Not very professional. She did not provide a case number and said that " authorities '' looking into this could access the info with the account number that was opened under my name. 

The XXXX unemployment benefits card/unemployment benefits was requested -- not by me -- more or less on XX/XX/2021. I received the card in the mail more or less XX/XX/2021 ( I was on vacation/out of town and got the card when I returned on XX/XX/2021. ) U.S. Bank says that the card had not yet been activated or used. 

In XX/XX/2021 ( more or less ) I initiated a security freeze after learning that XXXX was hacked and their customer 's account info was stolen. 

I also received a letter from XXXX XXXX saying that my request to open an account ( can't tell if it's a bank account or credit account ) was denied. I never contacted XXXX XXXX to open an account. The letter was dated XX/XX/2021. I called XXXX XXXX and informed their Customer Advocacy department. My case # is XXXX. Thankfully, they denied " my '' request for an account.
Product: Credit reporting or other personal consumer reports

Due to processing times, my payment processed 1 day after the monthly deadline. 

I called and showed them that i made the payment on time and they provided a reversal of the status as a courtesy. 

I am attaching the email so that my report can be fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX posted the wrong information, we called and they told us my account was XXXX $ so I asked why they charged me XXXX $ for no reason, they told me they are going to fix it, and in the end, they fix it and I decided to close it. 

Since I got this credit card I barely used it and it gave me a lot of problems, one of the reasons I decided to close it, was because this bank for some reason shows me charges that I never did or recognized and it charged interest of those charges and late fee. Like I said before, I don't use this card at all. When I checked it using the app and I saw those charges I called the bank immediately because I never used my card and they charge me for something that I never used and charge a late fee and other amounts that I never recognized or accepted. According to the last call they fixed it and my account was XXXX $ I decided to close it and they told me my account was XXXX $ and closed it and they told me nothing to worried. 

I called the bank to know why they report a negative and they told me to fix this issue I need to re-open the account again and the bank will fix it, so I said no, I don't want to re-open it. I don't want any relation with this bank. They didn't give more information and I told them that I need an explanation of why was the reason I got a negative on my credit. I insisted to get an answer and they were rude and disconnected the call. My credit was intact and had good points and I am trying to keep it high, but this bank affects my credit report. And according to the last call, I requested to close the account without any debt and they told me it was closed and had no debt. Please help me to resolve this issue, I need to clean my record and keep it clean. Thank you. 

Please find in the attached file where they fixed everything and put the account XXXX $ with no debt, all amount was fixed and the account with no debt. 

Transunion file number : XXXX
Product: Credit reporting or other personal consumer reports

Good Morning, Several disputes has been sent to Transunion to verify an unknown inquiry and to this date they have not provided any kind of documentation that they verified this. All they do is send out a standard letter... This is not acceptable. 

Inquiry- XXXX XXXX XXXX XXXX please delete