23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My private student loan is handled by Navient. My payment for this loan is {$82.00} per month and is due on the XXXX of each month. For well over a year now I have been making an increased payment of {$120.00} a month, but the loan is still earning interest in between that time. I sent an email to Navient regarding the same and received the following response : Dear XXXX, Thank you for your inquiry and for your business with Navient. 

Interest accrues daily based upon your principal balance and interest rate. When your balance is higher, you? re accruing more interest. As your balance decreases, you? ll accrue less. 

The number of days between payments determines the amount applied to interest from each payment. All payments are first applied to outstanding late fees ( if any ) and accrued interest. Whatever remains is applied to principal. 

In order to maximize the payments that you send, it? s a good idea to send them regularly - meaning every 30 days or so. If you let too much time pass before sending a payment, more interest will accrue. 

When you make a payment that is greater than your monthly payment amount, the payment is credited first to satisfy your current and any outstanding payments due. Any additional amount is applied toward future payments. 

If the additional amount is enough to satisfy a full future payment, your next billing statement will reflect {$0.00} Current Monthly Payment Amount Due. If the additional amount only partially satisfies a future installment, your Current Monthly Payment Amount Due will be a portion of your monthly installment amount. 

If you receive a bill for {$0.00} amount due, you may continue to make payments since interest will continue to accrue on your outstanding principal balance. 

If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX to XXXX., and Friday XXXX to 8:00 p.m., ET. 

Sincerely, XXXX, Your Navient Email Representative Navient says in its response that if I make payments every 30 days, the loan will " accrue no interest. '' See above response. Please help me find out what is going on. Thank you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Transunion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, XXXXXXXX XXXX XXXXXXXX : Account number : XXXX, XXXX : Account number : XXXXXXXX XXXX XXXX XXXX Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I am filing a formal complaint against Citibank regarding an unjustified account lock and the subsequent inability to regain access. 

On XX/XX/year>, I attempted to make a XXXX transfer through my Citibank account. Immediately after initiating the transaction, my account was locked without warning or explanation. When I attempted to reset my password and regain access, Citibank refused to allow me to do so, preventing me from managing my funds. 

I contacted Citibanks customer service multiple times to resolve the issue, but I was met with unhelpful responses and no clear resolution. Despite verifying my identity, I was still unable to access my account or complete necessary transactions. This has caused significant inconvenience, financial distress, and a disruption to my daily financial activities.

Not only that but they activated my debit card before it even came in the mail!! What if someone stole my debit card and began spending money when I can't even access my account.
Product: Mortgage

Our Mortgage company Mr Cooper/Nationstar for the last couple years has over charged our escrow account only to refund money later in the year. I have requested for them to change the time frame in which they do their recalculations multip times ... currently they recalculate in the middle of the XXXX XXXX  and XXXX XXXX  tax payment and our XXXX Insurance payment ... which is the most opportune time for the bank to pad the escrow account. Recently I requested for our escrow account to be discontinued because of their inability to accommodate, service and provide clarity on our escrow account. They are now claiming that we do not qualify to remove our tax and insurance and escrow account because of a covid forbearance payment that was due in XXXX being made in XXXX. In XXXX we made the XXXX and XXXX Payment on time, and we were just trying to be cautious in-case something worse than Covid took place. We live in NJ and XXXX and XXXX were very difficult times. We have never been late on a Mortgage payment with Mr Cooper in the 5 years that we have the loan.
Product: Credit card or prepaid card

An electronic payment of {$320.00} was transmitted to Barclay 's in the on XXXX by XXXX XXXX XXXX XXXX. Barclays '  repeatedly refuses to credit my acount and continues to try to charge me interest on the money it has already been paid. Proof was submitted verbally, and in writing over 5 times that the payment was made. Each time a contact is made, Barclay 's says it can not correct the problem because requested information is missing. I confirmed several times that Barclay 's has the information it requested. In several calls, reps refused to connect me with a supervisor. on XXXX XX/XX/2020, at XXXX I spoke to Supervisor XXXX ( XXXX XXXX ) who confirmed Barclays has the info, and has had it since XXXX. On XXXX XX/XX/2020, XXXX sent me the same letter, refusing to credit my account. 

There are at least two cases set up with Barclays to address this problem. The case numbers are XXXX and PYT XXXX I do not know if I am being discriminated against due to my status as a Senior citizen, or if this is a more widespread, business practice. 

I encourage the Federal government to initiate a broad investigation to determine if this a pattern and practice of Barclay 's. 

It is difficult to determine if this is outright fraud, or just monumental incompetence
Product: Credit reporting or other personal consumer reports

THIS BILLING DISPUTE IS FOR THE PAST PRESENT AND FUTURE CERITIFCATE OF INDEBTEDNESS WHILE UNDER THE FOLLOWING CONTRACTS! NOTICE OF FRUAD 16 USC 4333.3 Dept of EducationXXXX XXXX ACCOUNT # XXXX XX/XX/XXXX {$2300.00} XXXX Dept of Education/ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$580.00} current balance {$1200.00} Original balance {$700.00}. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX AS PER 15 U.S.C 1666e Correction of billing error forfeit Penalty to comply with any of the requirement of this section.

I agreed to pay them with credit card indebtedness via the certificate of indebtedness by periodic.

deductions from my deposit account for the securities listed above, The company did not credit my certificate of indebtedness account for the Dividends payment.

that they mad off my treasury coupon.

via the Electronic Funds Transfer act, I am requesting that you fix this.

billing error immediately.

Any finance amount or any related finance charges in this open-end consumer credit plan as per 12CFR PART 1026 which states The regulation does not generally govern charges for consumer credit, except that several provisions in subpart G set forth special rules addressing certain charges applicable to credit card accounts under an open-end ( not home-secured ) consumer credit plan. The regulation requires a maximum interest rate to be stated in variable-rate contracts, secured by the consumer 's dwelling.

Adverse reports about a consumer credit standing or report that an amount or credit account is.

the link because the consumer failed to pay the disputed amount or related finance charges, and any acceleration of debt is prohibited. As well as restriction of any account A request for expedited processing is being made in writing as per 12 CFR 107O.17 As per 16 CFR 433.1 I got a money purchased loan they gave me a consumer loan, nor did I receive a cash advance. 
Please provide all documentary evidence on the public and the private side according to XXXX XXXX principle generally accepted in the United States.
Product: Credit reporting or other personal consumer reports

Please understand I am the only person writing this with no help from a 3rd party.I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. As per the regulations outlined in the Fair Credit Reporting Act ( 15 USC 1681 ), it is imperative that consumer reporting agencies, such as XXXX and Experian and XXXX conduct their responsibilities with fairness, impartiality, and utmost respect for the privacy rights of consumers. 

As a consumer, I am entitled to ensure the confidentiality of my personal information, as reinforced by 15 USC 6801, which underscores Congress 's stance on financial institutions ' obligation to safeguard customer privacy. Entities providing information to credit agencies, classified as financial institutions, fall under this directive. The Accounts in question are as followed XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, According to 15 USC 1681 section 604, a consumer reporting agency may furnish a consumer report only upon the written instructions of the concerned consumer. XXXX, Experian and XXXX and any financial institution furnishing information to credit agencies lack my explicit consent or written authorization to do so. Therefore, any form of consent, whether verbal, non-verbal, or implied, is hereby revoked. 

Furthermore, 15 USC 6802 mandates that a financial institution must inform consumers of their right to opt out of disclosing nonpublic personal information to third parties. However, I was never notified of this option by the furnisher of information to credit agencies.

Moreover, according to 15 USC 1681C, consumer reporting agencies are prohibited from including adverse items of information in consumer reports without authorization. This account being reported without my consent violates this provision. 

Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful for any entity to furnish inaccurate information to consumer reporting agencies, and XXXX and Experian and XXXX fail to maintain reasonable procedures as required by 15 U.S. Code 1681e.

Furthermore, according to 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time, a right I am now exercising. 

Therefore, I demand that XXXX, Experian and XXXX and any financial institution involved cease the reporting of my information immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over two months ago, I asked Equifax to investigate errors on my credit report. They are supposed to respond within 30 days, but have yet to respond.
Product: Mortgage

My mortgage with XXXX XXXX XXXX was modified in XX/XX/2014 at which time I was not provided with an " Amortization Schedule. ". 

Thereafter the mortgage was sold to Select Portfolio Servicing ( SPS ) XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX.and I have made numerous requests from them for said Amortization Schedule however, they tell me that they can not provide me with one because " the mortgage was modified. '' This seems very unusual to me since I understand that HUD would allow for such information to be provided to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re :  Notice forProof of Claim To Whom it may Concern : This is a this complaint is submitted Under OHIO XXXX XXXX XXXX Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Since this is an error I demand that you send me the following proofs for the following accounts : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AND XXXX XXXX # XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed letters to all three credit bureaus disputing the inaccuracies on my credit report and requesting the removal of those accounts. To date, I have not received any correspondence from Equifax as to the results of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XX/XX/23 ) i've contacted this company about reporting inaccurate information accounts that dont belong on my report that are currently giving me a hardship within my life that's stopping me from making purchases and extended my credit to the companies that I actually want to do business with. I know under U.S.C 1681 e ( b ) they should be furnishers of information, such as creditors or lenders, have a responsibility to provide accurate and complete information to consumer reporting agencies. 

XXXX ( XX/XX/23 ) i've spoken with this company about the same problem reporting inaccurate information there telling me to just wait Equifax ( XX/XX/23 ) I've contacted this company about inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many many complaints to CFPB regarding a Chase card and fraud in 2017. Attached is IRS FORM XXXX Fraud Affidavit. Hopefully Chase will recognize the theft and fraud this time. I have already submitted multiple documents including the XX/XX/2017 sheriffs report in previous complaints together with felony information on the thief. Also attached is recent letter received from Chase offering settlement. There are several things wrong with this. I had XXXX and was paying off debt monthly because I couldnt make a lump sum payment so how can I make a lump sum payment now when I am on social security?. My credit score was always mid XXXX. I had requested many times to remove theft including the fraud payments that allowed the credit limit to be doubled and allow me to continue payments on what I owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors are reporting inaccurate information and have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  U.S. DEPARTMENT OF EDUCATION XXXX XXXX  U.S. DEPARTMENT OF EDUCATION XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.
Product: Debt collection

Apex Servicing aka Valley Servicing continues to email the same email message to our business email ( XXXX ), call us repeatedly on our business phone line ( XXXX ), and send fax letters of the same email message content to our fax line ( XXXX ) with demands related to employee payroll deductions. We understand they wish to arrange a remittance to them of debt owed by an employee through employee payroll deductions. When speaking with their representative on the phone, they did not indicate the specific employee name their demand was associated with. We are not aware of current employees ( we have less than 10 employees ) that owe any debt to a debt collector. We have not received a court order regarding any employee payroll deductions. 

Upon searching Apex Servicing on XXXX, we discovered that the State of Washington Washington State Department of Financial Institutions ( DFI ) received information that an entity using the name Apex Servicing has sent faxes to employers attempting to garnish wages from employee paychecks for alleged loans owed. The alert notice states " Apex Servicing is not licensed as a collection agency by the Washington State Department of Licensing ( DOL ). Apex Servicing is not registered to conduct business in Washington State by the DFI, the Department of Revenue, or the Secretary of State. '' ( Reference attachment of alert notice dated XX/XX/ ). 

A search of Apex Servicing aka Valley Servicing on the State of Hawaii DCCA Professional and Vocational Licensing Division did not show any results of licenses for the named company either. 

We believe Apex Servicing aka Valley Servicing is a false actor and impersonator, that is attempting to obtain money without cause from our business through false debt and false wage garnishments using employee payroll deductions as a reason to collect from our business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed complaints about XXXX XXXX and transunion all 3 were asking for proof of who i am so i finaly sent all 3 a copy of my state id proof of address by social security mail from social security i happy to say XXXX finaly sent me my credit report but XXXX an transunion are still asking for more proof and refusing to send me what they have on my reports what i sent i sent to all 3 credit companies it was good enough for XXXX why not the other two agencies?
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX 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  XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed : {$2000.00} ; US DEPT ED XXXX Balance Owed : {$4700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$3500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$1000.00} ; XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance Owed XXXX {$640.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$100.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.