23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I firmly believe that Navient has been scamming me out of money for many many years. I was actually never given notification that XXXX XXXX had been taken over by Navient, which I found extremely odd given the amount of debt I owe. You would think the company would reach out even by letter or e-mail to let you know they were taking over thousands of dollars in student debt. Looking over transactions since XX/XX/2008, I 've noticed some very questionable business. Not only have my loans grown by thousands since I 've been paying for the past 8 or so years consistently ( over {$400.00} ) but the payment history is never consistent on their end. There are certain months where only {$1.00} is applied to my principle balance, and the remaining {$420.00} is applied to interest alone. The interest and principle payments are never consistent. The interest payments range from $ XXXX-over {$400.00} per month ( with my minimum payment resting at around $ XXXX monthly. ) My loans are split into XXXX separate ones based off semesters, and my highest interest rate is 10.5 %. However, a {$10000.00} loan is now sitting at over {$13000.00} EIGHT years later. I 've had multiple calls with Navient where they will not allow you to overpay on a loan in order to pay it off. They actually have said over the phone that they can not take a payment higher than {$500.00} at a time, but they will gladly put your loan into deferment or forbearance. This option is offered when trying to OVERPAY on student loans. If you make an extra payment online it automatically goes toward interest, which they also fail to explain online or over the phone. I 've been told in order to pay extra on the debt I must write and mail a letter stating the extra amount is to hit principle alone, and that it is still not guaranteed. I 've held credit cards, car loans, and other forms of debt that I 've had no problem paying. I work XXXX jobs consistently in order to make sure my student debt does not fall behind. While I 'm taking steps to pay off this debt in a reasonable time frame ( I will be XXXX in one month ) Navient makes it nearly impossible. Please explain to me how a debt can have a MINIMUM payment of over $ XXXX monthly, no consistent paper trail, multiple " fees '' that are n't outlined, and a significant increase in total debt owed after almost ten years of consistent repayment? I believe I 've paid over {$30000.00} in interest alone over the past 8 years, and I 'd like some answers as to how that makes any sense when dividing my interest and principle balances owed. Thank you.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my XXXX, my XXXX my XXXX XXXX XXXX and to my XXXX! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

I have disputed this debt many times. I rather set up payment arrangements with the original medical facility. I have requested documentation so that I can sort this out. I have expressed that I am unemployed and unable to pay the debt in full. I was told that they do not offer discounts or payment arrangements. How am I supposed to pay this debt if I dont have the money, am not able to set up payment arrangements, being charged interest and can not get a copy of the debt details in full to make sure it is accurate. This company is very rude and unhelpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my TransUnion Credit Report and I noticed that my credit report was recently updated with 3 Inquiries that I didnt not have no knowledge of. I didnt not give permission or authorize these companies to check my credit report. I have listed the inquiries below that I didnt not authorize. 

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: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE OR RECALL ANY OF THESE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I was first informed to set up an account with XXXX XXXX and my parents were paying a monthly loan to them on my account. We have been paying them since XXXX XXXX XXXX. We were not given any monthly request but we continued to send money to my account. When I called in after 2 years of paying the monthly payments, XXXX XXXX said that they no longer do student loans and have transferred that over to Navient. We were not notified of this at all. 

The worse thing is, that they somehow link my account to another person 's account. Thus, I no longer have an account and have been paying this other person 's account. I called in asking for a refund. We faxed our bank statements to Navient in order to verify and support our refund. We submitted the fax papers on XXXX XXXX, XXXX. We were given a refund back but not the entire amount. Navient 's claim was that they did not know where the rest of the money went. They held off our refund request. I called in continuously asking what is going on, their response was, " our research team is still doing work on this issue. '' They claimed that they would call back after a certain amount of days in order to inform me of the situation, but they did not. 

This company is lacking in its customer service. I was on the phone for about an 1 hour and 40 minutes. I always have to explain my issue to the recipient because they would not give me a direct line to a manager/supervisor. That wastes another 20 minutes or more of my time. 

They claim that they will give the rest of the refund by this Thursday, XXXX XXXX XXXX. I do not believe it. But we will see. 

I am complaining about their customer service, their productivity, switching my accounts, and their lack of communication.
Product: Student loan

On XX/XX/year>, I received an email that Mohela would be switching platforms. I was informed that they would notify me once my account had fully transitioned to the new platform in order to create an account and make my payments. However, I still have not received such an email. I have received emails from Mohela telling me that my account is past due, despite being enrolled in auto payments AND the auto-payments being withdrawn from my banking account like normal. I have also received auto-withdrawal confirmation emails, while simultaneously getting emails informing me that my account is past due. I went to the website to check my payment history, but do not have access and when I click " make a payment '' the website glitches and sends me to the login screen. I'm not sure what I'm supposed to do. The email from XXXX XXXX also mentions that this transition should be complete two weeks after XXXX XXXX, but I still have not received an update. I have also tried to contact them directly, but I can not get through their phone line. The original email also states the following, " Were managing the transfer of Auto Pay information to try to ensure your payments arent interrupted. We will notify you if an interruption occurs so that you may make a manual payment via the new website after the transition is complete. '' However, I have not received any updates, except that my payments are past due. It is frustrating that I can not access any of my loan payment information, their website is useless, my payments are going through, but I am receiving notices that I am missing payments, and it is messing up my credit score. Mohela is a fraudulent and incompetent company that is screwing over thousands of Americans.
Product: Credit reporting or other personal consumer reports

The following account showing in my credit report is not one I recognized XXXX, XXXX during this period I was in XXXX, XXXX as a dependent. Enclosed is the XXXX contract orders.
Product: Debt collection

A representative from American Cordalis called this number XXXX. The person they are seeking collection does not live here. The person they are seeking collection has a common name and may not be the same person who previously lived here. When XXXX of the tenants answered the phone the XXXX time, he assumed it was the person who previously lived here, informed the representative that the person was burned out of their current residence due to a fire and had no number, and requested that they not call the number again. From what the tenant indicated, the representative agreed to stop calling. A XXXX call occurred. The phone calls have also occurred right before XXXX. The tenants feel harassed and have no outstanding debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC Violations XXXX - CARD SERVICE {$2700.00} XXXX - CARD SERVICE {$5700.00} XXXX  XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these addresses : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed a charge that I was not familiar with so I immediately call bluebird American Express at XXXX. A male IVR picked up and said they are expecting higher than normal call volume or they can not answer right now, and it disconnects after 5 seconds. I thought that was very strange and unacceptable. So once I got off from work, I kept calling and a woman IVR picks up also and NEVER EVER gives me the option to speak with a live representative. Between XXXX and XXXX I made six call attempts until I gave up and said Ill just call back tomorrow. My last call was this morning, XX/XX/XXXX : same result. 

I have made over 25 phone call attempts in 7 days. I have even dialed the international number to no avail, and reached out to Bluebird Amex on XXXX, and they advised me to call the same non-working number XXXX. My phone number was provided through our XXXX exchange, and I told the person on the other side of the screen what was going on, yet no one contacted me to resolve anything.. 

That is unacceptable. If a business is holding my funds or if I am their client, I should be able to reach them anytime during operation hours!!!! Especially if I suspect fraudulent activity!!!! I have never had any issues with Bluebird and I love them, but this first-time problem is major, and intolerable! 

I also think it is ridiculous that I can not email, live chat or reach someone alternatively -- only through an XXXX number or through XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is not a problem with the company or my account. What issue is that this is my mortgage company that I make payments towards my home. I purchase this from the homeowner who carry the loan. Now, I only owe {$6000.00} of the 10 year loan with NO LATE payments for 9 years. None of this information is shared with the credit agency. This only XXXX of the problem. I, XXXX XXXX XXXX, is born deaf and asking me to communicate by phone is something that is very unlikely. I get no discount or reduce fee for the landline that I have to use to operate my cap-tel machine, which I use to talk on the phone. The odds of the other person on the other end being able to understand how to talk to me is 50 %. OK, last thing I want to express is I am falling downward and with no bottom there is because it all started with my XXXX provider in XXXX. I had to have CATARACT XXXX. So XXXX XXXX XXXX need {$1700.00} to start and {$300.00} each time at hospital. XXXX so {$600.00} more. {$2300.00}! All this was dug up with personal loans. Now, its every month get a loan. IT '' S GOING TO KILL ME. thank you for listening and hopefully someone will care about this deaf man ....
Product: Debt collection

XX/XX/XXXX, XXXX XXXX XXXX, Pressler & Pressler attorneys obtained a default judgement against me for a XXXX Bank XXXX XXXX in the sum of {$17000.00} In XXXX, I was served with motion to enforce litigants rights, and writ of execution for bank levy. The debt {$17000.00} was collected and satisfied through bank levy. 

On XX/XX/XXXX I received an empty certified mail ( not return receipt XXXX envelope from Pressler, Felt, Warshaw LLP. 

XX/XX/XXXX I received a certified mail package From XXXX XXXX XXXX, Pressler, and XXXX XXXX of New Jersey, XXXX XXXX containing Motion to Revive Judgement for {$17000.00}, plus XXXX costs, and {$7600.00} in interest. 

XXXX XXXX XXXX remained XXXX, despite disclosing in the filing that the debt had been transferred to XXXX XXXX XXXX. 

Therefore, we respectfully submit that 1 ) this debt was paid by bank levy, 2 ) Pressler and XXXX XXXX have fraudulently transferred the 'debt ' to a third entity. 3 ) despite this they have defrauded me and the court by representing that I was served according to the rules of the court, making false statements to the court ; claiming they had standing in the matter, and unconscionably adding costs and interests to a debt they had previously collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX 15 U.S.C 1

681 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.

15 U.S.C 1681e section b : States 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.

15 U.S.C 1681o section a : States any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my [ ... ]
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name Is XXXX XXXX Today Date Is XX/XX/2020 ( I'm The Only One Writing This Complaint!!! No Help By A Attorney Or Credit Repair Agent ) ) I've Been Having Trouble With These Inaccurate, False And Fraudulent Information That Don't Belong To Me I've Contacted My Local Police And Made A FTC Report Number : XXXX Ive Also Contacted Experian and XXXX XXXX XXXX XXXX About The Fraudulent I Spoke To A Lady By The Name Of XXXX And She Told Me That My Account Didn't Match What They Have That This Account Might Be A Mix Up Credit File Or Fraud And She Was Going To Update And Remove The Account, I Waited 60 days After That I Contacted Experian Updating Them With The Information But Experian Failed To Remove The Account I've Disputed This Same Account 5Plus Times Experian Updated My Account Saying Its Verified When I Call To Get A Explanation Experian Told Me That Its A Computer Generated I Was Very Disappointed XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report!!
Product: Credit reporting or other personal consumer reports

This account has been charged off as of XX/XX/XXXX. Since then the account has repeatedly been updated as a collection account every single month. This is an update in the payment history. A charged off account should not include an active payment history. The balance has been updated to XX/XX/XXXX. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly and have violated my rights. I am demanding a deletion of the following accounts. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2500.00}
Product: Mortgage

Hi, My current loan to value ratio onmy mortgage with Freedom Mortgage is 53 %. My credit score is over XXXX. I have never filed a bankruptcy, never been delinquint or late with any payments including credit cards, previous mortgages, insurances, property taxes etc Have not made an insurance claim in past couple decades!. Have an immaculate credit history. I see no reason for Freedom Mortgage to continue escrowing my property taxes and insurance. I have made multiple request to Freedom mortgage to waive the escrow collection. They have given some bogus excuses that make no sense! I can manage my property and my funds very well without a third party!
Product: Credit reporting or other personal consumer reports

They took action by making daily phone calls. Here are several dates they have called me : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( have much more ). Also, I have received letters and I will upload them at a later time.