23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This complaint is against Navient Student Servicer. I started at XXXX University in XX/XX/XXXX. At that time, my previous student loan had been forgiven and closed. I completed my XXXX XXXX XXXX in XXXX in XX/XX/XXXX. In XX/XX/XXXX, Navient started taking payments ( {$300.00} per month ) from my account but by XX/XX/XXXX, I requested a forbearance. The forbearance process was not explained fully but it was granted. Within a few days, another loan from Navient appeared on my computer screen for {$430.00}. When I called Navient, I was told that there were two different loans. When I attempted to explain that I only had one loan, the representative told me that I took out a personal loan. I have never taken out a personal loan with Navient. I have always used the FAFSA system for my student loans. The representative granted a deferment on both loans for 6 months. Now, Navient tells me that I am not eligible for forbearance and that I owe {$95000.00} in student loans. I informed the Navient representative that could not be correct and she informed me that each day my loan was on deferment, I was being charged. I informed her that it seems Navient has a deceptive system they are using on students and she attempted to offer the Navient Student Forgiveness Loan. The representative started to ask me if someone else used my student loan information and she also mentioned the loan from Sallie Mae when I was attending the University of XXXX which was closed. She then told me that I paid off three of the loans but I still have eight more loans. When I asked her about the private loans, she could not explain how I received that type of loan without applying for it. I understand that not paying the student loan is not good but I can not pay {$800.00} worth of student loans per month. Navient is being unreasonable but according to them, they go by the reported income on W-2 forms. Well, if that is so, I should be eligible for a decrease since my spouse passed away on XX/XX/XXXX. I mentioned that fact to her but she was so involved in trying to sell me the Navient Student Forgiveness Loan package, she failed to listen to what I was saying. The Federal Government urges education but when individuals seek student loans to assist with their education, the loans are referred to companies that treat the consumer unfairly. The Federal Government should place a cap on the amount a company can charge per month for a student loan. They should also decrease the charges the student faces after receiving a forbearance or deferment.
Product: Credit card

On XX/XX/2023, I applied for a credit card increase for my Truist Credit card. 

On XX/XX/XXXX. XXXX  I noticed two inquiries from Truist bank. I contacted Truist and informed them that I did not authorize two inquiries. I never received any written decision regarding the application. 

Truist has been very discriminatory towards me. They have frozen my verified deposits and since that complaint, they are denying me for every request. The only thing that has changed since my initial credit approval is an increase in income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Bankruptcy Courts have mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
I obtained my credit report online and based on my findings there was a U.S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( XXXX ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
Product: Mortgage

Service 1st is targeting veteran mortgage holders with deceptive advertising and misleading disclosures that grossly underestimate escrow accounts and try to convince veterans to switch from low fixed rates to adjustable mortgages at extremely high costs.
Product: Credit reporting or other personal consumer reports

Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Demand for Immediate Correction of Inaccurate Credit Reporting Account No. XXXX To Whom It May Concern, I am writing to address the results of your recent investigation regarding the charged-off account XXXX ( Account No. XXXX ). The findings you provided only reaffirm the inaccuracies that I previously disputed. Specifically, the account continues to be reported with erroneous updates on a monthly basis, which is both misleading and damaging to my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that the information reported is accurate and to investigate disputes thoroughly. Your failure to address this ongoing issue constitutes a violation of my rights as a consumer.

I demand that you take immediate corrective action to remove this inaccurately reported charged-off account from my credit report. If this issue is not resolved within the next 30 days, I will be compelled to file a formal complaint with the Consumer Financial Protection Bureau and consider legal action for damages caused by your negligence.

Please provide written confirmation of your actions to rectify this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

These items are not only incorrect but are also causing significant financial and emotional distress due to their derogatory nature. I request your prompt attention to complete a thorough investigation within the mandated thirty-day timeframe, as per my understanding of the law. The timely resolution of this matter is crucial to alleviate the distress caused by the inaccurate reporting. I appreciate your cooperation and look forward to your response. The items in question have already been removed by other credit bureaus and are detailed belowXXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am the person making this complaint & I give cfpb authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed that there are items that are not right. 

I saw these inquiries are on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Inquiry from XXXX XXXX XXXX, Note : HARD Inquiry - XXXX, Date : XX/XX/XXXX I doubt this is correct, please remove it. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : APPLE CARD/GS BANK USA ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I do not recall this account ever being paid late or missing a payment. Please remove the inaccurate account from my report. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within ( 4 ) business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report five fraudulent accounts appearing on my consumer XXXX Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card account opened at XXXXXXXX XXXX in XX/XX/XXXX under account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under account number XXXX and a credit card account opened at XXXX XXXX in XX/XX/XXXX under account numbeXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from my consumer credit report and all collection activity related. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are ALL fraudulent inquiries on my credit report that I just found. 

XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Miscellaneous )
Product: Credit reporting or other personal consumer reports

Please see attached documents. Do not close this coamplaint stating it is not me. I am a natural person and a consumer.
Product: Credit card or prepaid card

Today, XX/XX/2021, my husband applied for a capital one card on my phone. Unfortunately, autofill switched his name to mine when enteringhis address. My credit was pulled and I received an alert. Please remove this hard inquiry from my history. I do not want to apply for another card from Capital One. One is enough!
Product: Credit reporting or other personal consumer reports

I did not give consent to any entity to disperse any personal or financial information to any other institutions or orginizations. These were posted to my credit report illegaly and vilolation of the law. these need to be removed. 

Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX  Account number XXXX Account name XXXX. XXXX, XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX
Product: Credit reporting or other personal consumer reports

There is incorrect information on a closed account that I have, on XX/XX/XXXX there is a late payment for XXXX of the XXXX credit card companies and another late payment on XX/XX/XXXX. I never missed a payment on this account and as you can see from the picture below the other XXXX burreas did not submit a late payment. 

This is the the Wells Fargo credit card on my consumer credit report.
Product: Student loan

XXXX XXXX MOHELA Account XXXX XXXX XXXX XXXX XXXX I was previously serviced by XXXX, and my student loans were transferred to XXXX, then to MOHELA as part of the federal loan servicer changes. However, MOHELA can not locate my account using my Social Security number and will not allow me to register for online access. 

Navients website instructs borrowers to use the same login credentials for MOHELA, but MOHELA does not recognize my information and claims my loans are still " being transferred. '' This has persisted for XXXX months ( since the XX/XX/year> transfer date ), leaving me unable to view my loan details, make payments, or verify my balance. 

Due to MOHELAs failure to provide access to my account, my student loans have been incorrectly reported as late to credit bureaus, negatively impacting my XXXX XXXX through no fault of my own. These late payments must be removed immediately, as I have been unable to make payments solely due to MOHELAs system failures. 

Steps Ive Taken to Resolve the Issue : XXXX ) Called MOHELA multiple times Wait times exceed XXXX hours with no callback option, and I have been unable to reach a representative. 

XXXX ) Checked XXXX & MOHELA websites XXXX confirms the loan transfer, but MOHELA does not recognize my account. 

XXXX ) Attempted to register on MOHELAs website Received an error stating my loans are still " being transferred. '' XXXX ) Called Navient multiple times They confirmed my loans have been transferred but could not assist further. 

XXXX ) Contacted XXXX XXXX XXXX ( XXXX ) They confirmed MOHELA is my servicer but could not resolve the access issue. 

How This Has Affected Me : XXXX ) I have been unable to manage my student loans, which has directly led to missed payments and incorrect credit reporting. 

XXXX ) I can not verify my loan balance, interest rates, or due dates, leaving me unable to make informed financial decisions. 

XXXX ) MOHELAs failure to provide access has caused lasting financial harm, including damage to my XXXX XXXX. 

XXXX ) This failure violates borrower rights under the XXXX XXXX XXXX. 

Requested Resolution : XXXX ) Immediately confirm my loan transfer status and XXXX me full account access. 

XXXX ) Provide written confirmation of my total balance, payment due date, and loan details. 

XXXX ) Remove ALL late payment marks from my credit report and notify credit bureaus that these were reported in error due to MOHELAs failure to provide account access. 

XXXX ) Fix the delays preventing me from managing my loans. 

XXXX ) Improve customer service response times so borrowers do not have to wait hours for assistance. 


I expect a resolution within XXXX  days, per CFPB guidelines. If MOHELA fails to correct this, I will escalate the matter to the XXXX XXXX XXXX Ombudsman and pursue further legal action. 

Loan Servicer Name : MOHELA Previous Servicer : XXXX Loan Transfer Notification Date : XX/XX/year> Thank you for addressing this matter urgently.
Product: Student loan

My federal student loan servicer, Fedloan Servicing, is engaging in fraudulent and irresponsible behavior in handling my account and in their service with regard to my Stafford Federal Student Loans, which was taken out during XXXX school. I have been diligent in repaying my outstanding loan balances starting in residency, and have continued to repay the balances during the COVID pandemic. I have paid off all outstanding interest and down to a principal balance of XXXX in that exact dollar amount. However, in XXXX, XXXX, without any notification or explanation, my balance was mysteriously revised upward from XXXX to XXXX while the entire country 's federal student loans were on hold. There has been no documentation or explanation on the service portal/online to explain the reason for the balance change. I contacted Fedloan Servicing by phone on XX/XX/XXXX and was on hold for 1 hr and 45 minutes, spoke with representatives ID # XXXX and ID # XXXX. I was informed this is a correction sent by the Board of Education for interest not charged by XXXX XXXX, my previous servicer from XXXX to XXXX. No explanation of the charges was provided, no timeline of when they should have been charged or an itemized bill was provided. Absolutely no notification was provided by FedLoan or XXXX XXXX, and according to their agents, aside from a total charge, no other information is available. Neither party has taken responsibility for their accounting error, or provided any documentation to support these charges beyond passing on these mysterious charges to me. I have lodged a complaint with their financial board and I am reporting this as fraudulent activity and accounting error that is now being passed on to me, the consumer.
Product: Credit reporting or other personal consumer reports

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with XXXX XXXX  . Please prioritize this matter for prompt action. I have tried to email them, at XXXX XXXX XXXX, a part of Experian Consumer Support Division XXXX XXXX XXXX XXXX, TX XXXX But I am not getting any response or completion of my request. 
"
Product: Money transfer, virtual currency, or money service

lam fiing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take imely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant in convenience and financial loss, and I seek appropriate redress
Product: Debt collection

XXXX XXXX  was paid as agreed I XXXX XXXX XXXX and missed 3 payments I emailed the company asking to pay XXXX towards the balance and they said they sold it to jefferson collect now XXXX  is on my report while jefferson financial is collecting. I don't belive 2 company 's can collect on the same debit. And I have been paying jefferson collections every month
Product: Student loan

I 'm making this complaint against Navient, who is currently my student loan provider, which once was XXXX XXXX. I want to start off by saying that I graduated from Virginia XXXX College in XXXX, and when I graduated, I owed almost {$49000.00} for my loans. It is now XXXX, and I still owe almost {$43000.00}. So I only paid off {$6000.00} in 12 years. That just does n't add up. Moreover, when I 've looked at my statements, they do n't make enough sense to understand how my payments are being applied. They just kept increasing my payments every year. It went from {$220.00} per month for a little while, then just kept gradually going up to {$260.00}, then {$270.00}, and then to over {$330.00}. Furthermore, I changed jobs in XXXX, and I could n't afford the monthly payment they had me on, so they pushed me into deferment for my loans. I did n't pay on my loans for several months, and then they finally offered me income based repayment. So it lowered my payment to {$98.00} per month, which was all I could afford at the time. So they had me on that for a year, and then when I reapplied for it in XXXX, my payment went from {$98.00} to {$220.00}, which made absolutely no sense because it was still supposed to be income based repayment. I knew my payment would go up a little because I got a raise, but my income had not increased enough to justify making my payment over {$200.00} a month. So once again, they offered to put off my payments, but this time they pushed me into doing forbearance. So I had it in forbearance for over six months, now I 'm currently back to paying {$220.00} per month, which I can barely afford. I 'm barely making ends meet, and they refuse to work with me at all. They refuse to lower it anymore. The only thing they ever offer is forbearance or deferment.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. As a victim of a data breach, I have confirmed that these accounts were not authorized by me. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed. 
Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$1900.00} XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2300.00}
Product: Checking or savings account

On XX/XX/23 around XXXX  while I was at work I got a notification that {$600.00} was taken out of my chime account and I immediately called and filed a dispute over the phone. Overnight my dispute was denied and I got an email once again while at work notifying me of the denial I call again and filed a rebuttal that was denied in under 30 minutes and another was denied under 30 minutes and I called to have another submitted and I was told it was being submitted but yesterday I found out that was not done and I just did another and 20 something minutes later it was denied. After having this happen to me I found out that chime was known for this. This is the bulk of my first payment at my job and its XXXX this is not ok and this has been over the span of almost 2 weeks. I filed a police report and fbi complaint and also a XXXX complaint as well but at this point I have ran out of patience and need a solution in a timely manner just like how I can be denied under 30 minutes.
Product: Debt collection

The explanation XXXX XXXX provided is contrary to how my account was handled. As stated, I called in XX/XX/XXXX 2016 asking for the TOTAL amount needed to bring the account current. That includes late fees. I was given a total and paid it accordingly. In XXXX XXXX XXXX  response they stated they apply funds to late fees first. Clearly that is not how my XX/XX/XXXX payment of {$3300.00} payment was allocated. I have tried several times to get an understanding of why my lump sum payment was not applied to late fees but it is extremely difficult to communicate with employees of XXXX XXXX. The customer service representatives are rude and very antagonistic.
Product: Mortgage

Refer to attached for dates, applied for a loan was clear that I would be putting at least 20 % and informed of the earned benefit of no taxes and USAA was adamant they must include this amount. 
Even w/o 20 % including a non payment amount lowers the approval amount which is discriminatory. 
Still a homeless veteran trying to focus on her health, USAA and XXXX XXXX have the same issues as noted by XXXX. 

They have also violated ADA and so many other laws. I am tired of being harassed and discrimintated against in a country I fought for and sacrificed and lost so much.

protected class member 5 of 9.

I gave them a signed contract and since they opted out to abide by the law, I missed out on a house and it has caused additional stress mental and physical pain as all this worsen my service connected disabilities.

It was also told that the debt is from me trying to establish businesses to make money as I was terminated while I have beenn fighting for my life. 
It is such a shame that veterans are treated better in other countries. They have continued to send emails that are discrimintary and call when explicitly told not to. 

Their is nothing for me to say, this is a straight forward process if the law is followed, they also have had everything they needed and opted to gundeck. 
IL and IN even by XXXX XXXX own words have significant tax differences and yet both numbers were the same and neither assist in determining the house I can shop for.