23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loan is with NAVIENT, I have called several times about my loan and each time they could not offer me an affordable plan so they only offered forebarance of my loans. The interest just kept adding up and now they are almost double. I have called 4 times in an attempt to agree to a payment, each time i call i am given a different amount to pay. The last amount i was given was {$170.00} which was not easy for me but i did not want to continue on this path of not paying. I received several bills for over {$1000.00}. it does not add up. When i call about it they always give me a new number to pay and send a bill for way more than that. Something is not right here and something needs to be done about it. They have also been unable to produce the note to my loan. " it has been coming in the mail '' for quite some time.
Product: Credit reporting, credit repair services, or other personal consumer reports

i attended the XXXX XXXX XXXX XXXX as PhD candidate from XXXX - XXXX and my undergoing thesis revision and examinations until XX/XX/XXXX ( as XXXX student ). I just got the Student Exit forms from the XXXX in XX/XX/XXXX. I have not worked full time since full time studies and examinations and have deferred my repayment viz either still academic status, job search, unemployment and financial hardship. My prior credit history for Navient and Dept of Education loans should be corrected, re-reported and compliant for reversing negative credit scores / FICO reduction should kindly be instigated for all Navient and Dept of Education loans loans prior to this month back to XXXX. However there are periods were my deferrment or forbearance was not reflected, and showing past due amount when I only exited the XXXX in XX/XX/XXXX. More recently there are several past months showing past due default status.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

XX/XX/XXXX, 2018-Called and spoke to customer service regarding PMI cancellation. I asked why PMI had not yet been cancelled. From what I understood, I had met the requirements. Young man was unsure why it had not been cancelled but agreed I had met the loan-to-value requirement. Offered to put in a request to cancel. I was instructed to call back after XX/XX/XXXX to ensure cancellation. 
XXXX XXXX-Since it was a Sunday, I submitted a request online to the Escrow Department for confirmation that my PMI had been cancelled. Other than an auto-response confirming receipt, I received no response. 
XXXX XXXX-I spoke on the phone with a customer service representative in the Escrow Department. I informed him that I had received a written notice that my mortgage insurance had been cancelled, but my account still showed disbursements occurring. He informed me that the PMI department did not take calls directly, but he would put in a request for them to reach out to me. I was informed that the projected completion date for my inquiry would be XX/XX/XXXX. I have not heard from the company since. I've been told that the PMI department does not speak to anyone directly when I've called customer service and no one can answer my question about why my PMI continued to be dispersed from my loan payments after it should have been cancelled. Each call to customer service requires a lengthy wait on hold just to speak to anyone.
Product: Student loan

As to date, AESXXXX has currently defaulted my loan and placed a charge-off on my credit report, which continues to damage my credit causing undue harm while I'm unemployed, instead of granting any forbearance while addressing these issues, they are currently damaging my credit on purpose. 

My XXXX loan was specifically acquired to attend XXXX XXXX XXXX on XX/XX/year>. I can no longer make payments on it due to unforeseen nation wide industry unemployment. In this case I have asked and requested servicer American Education Services / National Collegiate Trust many times for some sort of help in the form of forbearance or temporary pause but have not received any help whatsoever. Most recently, from the borrowers defense approval, my federal loans have been completely discharged and credit repaired due to crimes committed my XXXX and XXXX XXXX XXXXXXXX, found guilty in many cases and subsequently closed down. I also submitted a school misconduct discharge application for my XXXX XXXX loans and those to have also been discharge and credit repaired. I expect a path to discharge to be set for this XXXX loan as well. 

In this case of all the legal precedence against XXXX  XXXX XXXX, the federal XXXX XXXX approval, my XXXX XXXX loan discharge along with the provided FTC holder rule, this loan acquired for these found criminal institutions ( including private ) are ill gotten due to seller misconduct.
Product: Mortgage

Agency manipulated the United States Constitution, published information about my XXXX XXXX XXXX without consent, slandered and lied during Financial Discussions when I had asked for XXXX XXXX against the person. Individuals used my social security number to apply for housing. 

During my stay here individuals broke lease agreements like my roommate smoking cigarettes regularly, person 's coming to my room asking for methamphetamine, people telling the word XXXX at all hours of the day, XXXX intimidating me like coming near my door ( XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX. 

I will not be returning to this estate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on XX/XX/21 to inform them that XXXX & XXXX XXXX XXXX XXXX has never contacted orrepolied to me about the validation ofsoclled debt. 

Transunion told me on the phone that the debt was verified by XXXX & XXXX XXXX to them. I explained to them that I personnally requested Validation of the Debt by Certified/Return signature. So, they said they would investigate. But they did NOTHING!! 

After numerous calls to Transunion about the wrongful VALIDATION of my RIGHTS. I am now seeking legal assistance against Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is listed twice. Same account different dates, past due etc. Ive tried MULTIPLE times with Experian. They wont even allow me to submit the dispute.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX Currently have some Fruad inquiries on my credit report. 
I did not authorize these inquiries XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/year> Navy Federal Credit Union Attn : XXXX Power of Attorney XXXX, FL XXXX ] Subject : Formal Complaint Regarding Unlawful Practices Dear Navy Federal Legal Department , I am writing to formally lodge a complaint against Navy Federal Credit Union regarding a series of unlawful practices that have had a significant negative impact on my financial standing and personal well-being. 

For over five years, I have been under the impression that certain accounts held in my name were closed, only to recently discover that they remain open and have continued to accrue activity. I was informed by your representatives that these accounts were closed, yet I have evidence that they have remained active, resulting in unauthorized credits and debits that I did not authorize. 

This situation has not only caused confusion but has also led to significant distress as I have been wrongfully blacklisted due to these actions. It is deeply concerning that a financial institution would engage in practices that violate the rights of its consumers, including breaches of the Universal Commercial Codes and Privacy Acts. 

Moreover, I have been made aware that other consumers have experienced similar issues, indicating a systemic problem within your organization. The claims that I have caused financial losses to NFCU are unfounded and misleading. As consumers, we are the lenders, and it is imperative that our rights be upheld and protected. 

I request that you conduct a thorough investigation into this matter and provide me with a detailed response regarding the status of the accounts in question. Additionally, I demand that any negative impact on my credit report be corrected immediately and that I am informed of the Thank you for your attention to this serious issue. 


Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block , Inc . ) Due to an adequate customer service and unfair practice. Which violated the consumers Financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair deceptive, as they did not comply With error resolution Requirements under the electronic Funds transfer act ( EFTA ) and Regulations E. These actions have called significant inconvenience and financial loss, And I seek appropriate redress for these violations.
Product: Mortgage

Hello, my name is XXXX XXXX. I had my sale postponed for only a few days until they placed it again for foreclosure sale on XX/XX/19. This does not give us enough time for a review or even get everything in order. We did what we would and sent in all documents for a loan modification. Why is it so hard for a bank/ servicer/ investor to try to work with the borrower and provide a modification mortgage payment that we can afford? We are willing and ready to make the payments but we have not had an offer. 
Let me explain my previous situation that has put us in this horrible place with fees and over dues. From my first bank, XXXX XXXXXXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXXXXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX BY XXXX XXXX XXXX   XXXX, whoever they are. 
I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, AS XXXX XXXX   XXXX XXXX XXXX TRUST BY XXXX XXXX XXXX XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXX XXXX XXXXXXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX TRUST BY XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
SN SERVICING CORPORATION, XXXX XXXX  XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been attempting to remove the fraudulent bankruptcies reporting on my credit report since XX/XX/2020. Its been well over a year and not only have the bureaus provided verifiable proofs that they are mine, they have not even started their investigations since I have received no letters from them. I have reached out to the courts in question and mailed the letters of their findings to the bureaus and yet they are STILL reporting the inaccurate information. At this point, I'm tired of mailing certified letters and shelling out money on a dispute process that is supposed to take 30 days and is now taking over a year. The bureaus are comfortable violating my rights under the FCRA and the federal law and I've had enough. This is their last chance before I sue for damages and more.
Product: Mortgage

I started a short sale process in XX/XX/2018 with Mr. Cooper. The process has been so long, my agent has submitted all requested documents and the bank has taken very long to work the file. we were told the file is only worked on every 5 days but at times it is way longer than that to get responses. The bank has always KNOWN of the FORECLOSURE SALE DATE and says they are working with us and will hold or postpone the sale date while we are working the file but they actually never do. On XX/XX/2018 they said the short sale has been approved as long as a counter offer of XXXX was submitted, the bank conveniently deleted that ONE MESSAGE but you can see attached the responses to that message and the message alert through my agents email that shows the date of the message being sent. The counter offer they needed to provide approval was sent and the approval never came. we called numerous times to have sale date of XX/XX/2018 postponed and they said they would but actually never did. It has been nothing but mortgage servicer abuse that has taken this long!!! All I want is to avoid foreclosure and I don't appreciate the games they are playing with my file. 5 moths with a file is just way too long when there are not many short sale files left to work with. Not answering messages or working the file on a timely manner is really time consuming for everyone.
Product: Debt collection

I have never heard of Americollect, have no written contract with them and never received any benefits from them.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered fraudulent account. Please remove this account, as it is negatively impacting my ability to secure credit. 
XXXX XXXXXXXX {$710.00} XXXX # XXXX
Product: Credit reporting or other personal consumer reports

Date of Incident : XX/XX/2023 Amount Involved : {$9700.00} Actions Taken : I paid the amount insisted upon by the property manager. I was told I would receive rent assistance and only pay prorated charges. Payment was made directly to the manager. Issue is the property manager was terminated for stealing money from the property, which affected my account status. Despite assurances from the manager that my account would be updated by corporate, my account was not attended to due to her sudden departure. This incident is negatively impacting my credit score, despite my fulfilling the agreed-upon payment terms. I was promised rental assistance through a letter from the church, but due to the manager 's departure, I never received the necessary documentation. Please see the attached emails/correspondence from the property manager, which confirm the agreed-upon payment terms and promised rental assistance.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$9300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$580.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Checking or savings account

On XX/XX/year> while I was away on business in XXXX ( NC ), I got a text from Chase Bank saying someone was trying to wire {$4500.00} was this me? I texted back with no and someone reached out right away. The number came up at Chase Fraud XXXX number ( XXXX ). I XXXX the number to make sure it was legit, and it was. These people already had all my information. They knew exactly the amount I had in my checking account, and they knew my account number and all my security question answers. They told me with all the craziness in the world there are different transactions they must do instead of sending all the money at once. They referenced the XXXX XXXXXXXX XXXX closing and everything has changed since then. They made me do three transactions over three days. They told me to not answer any calls while they were on with them. I believe they were re-routing calls from the real chase fraud to their cells because the only call I got was on the last day of transactions ( XXXX ). They acted as me when chased called I believe the first two days. I made transactions of {$10000.00} on the XXXX ( a preliminary transaction to move some money ), then {$24000.00} ( they said they couldn't do more than that these days ) on the XXXX and finally {$7400.00} on the XXXX. They said when all the money is transferred, they will call me back once it is all cleared on the wires. On Thursday the XXXX and Friday the XXXX they were very accurate on when to call me back and told me XXXX or XXXX XXXX I didn't hear back from them on Saturday and Sunday but got worried when I didn't hear anything back on Monday. I went to Chase bank branch ( address below ) where I keep my money on Tuesday the XXXX and that is when I found out I was scammed. I showed the Branch Manager, XXXX XXXX ( information below ), my cell phone logs, and he verified that the number they were calling from was the Chase Fraud number. He told me that he had never seen or heard of scammers using their fraud number to scam people. These individuals were so elaborate that when they put me on hold, they had Chase commercials and Jingles playing. I honestly believe that they were hacking into Chase 's website along with XXXX XXXX which I later found out that is where the money went to. I was tricked into thinking this was Chase 's Fraud department and got robbed of {$44000.00} almost. I filed a police report and subpoenaed a XXXX XXXX investigation which took a year and a half to conduct. I have all the documentation verifying that I was scammed, and these transactions were fraudulent. Chase will not re-open my case with this new evidence. That is why I am filing this complaint. 

XXXX XXXX VP / Branch Manager JP Morgan Chase Bank XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX verified my phone log records from XX/XX/XXXX, XXXX and XXXX that every time I was called it came from the chase fraud XXXX number.
Product: Credit reporting or other personal consumer reports

My credit report is all kinds of incorrect. There are collection agencies collecting my personal information without my consent and inaccurate dates and amounts. I have disputed with all XXXX credit bureaus and no one listens to me. I am being denied rental homes because of the inaccuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters to Department of Education/Navient . They have never validated the debt as requested. The only thing they have done was make a remark on my credit report. As I have stated to this company DOES NOT have my permission to report any information to the credit bureau. This is a VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ), 15 U.S. 1681a ( 2 ) ( B ) and 15 U.S. 1681b ( a ) ( 2 ). I was never given the opportunity to decide if I wanted my information reported. That is in reference in the Gramm Leach Bliley Act ( 15 U.S. 1681a ( 2 ) ( A ) ( III ). VIOLATION OF 15 U.S. 1681 ( a ) ( 4 ). Department of Education/Navient is not reporting accurate information. On my XXXX XXXX  XXXX credit report, there are several dates where the data is unknown ( marked by an X ) or not reported. If the data is unknown, this is not 100 % ACCURATE! That is a violation of 15 U.S. 1681e ( b ). Department of Education/ Navient is also in violation of compiling, furnishing, misleading, false and deceptive forms. That is in violation of 15 U.S. 1692J. Pursuant to 15 U.S. 1692K, Department of Education/Navient must comply to any provisions to make my credit report compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Box 1 : ATTN Fraud Department : Remove fraudulent accounts from my credit re