23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I would first like to say I have never once defaulted on my student loans nor can I recall making a late payment ( not saying it hasn't happened, I am just unable to recall at the time of composing this letter. ) I have struggled with Navient and their unfair business practices for quite some time. Their representatives have always taken on a more aggressive tone when I've outreached the company over the years of my loans being in repayment ( since XX/XX/2010 ). 
I have always needed some type of program assistance in repaying my loans. The only assistance offered over the years has been a forbearance period ( where interest continues to accrue while not being obligated to pay ) and an interest rate reduction program. While struggling to repay loans each month, i've always made due, especially when single and without the responsibility of maintaining a household. 
While I continue to submit my financial status on a yearly basis, lately I have grown more frustrated as it appears that Navient continues to provide a monthly repayment amount that is not conducive to my situation. What is the point in disclosing all your financial obligations to a company just for them to provide you with a figure that THEY feel is reasonable?? I am not only repaying repaying Navient for my private loans but also repaying my federal loans through a different servicer as well. Several weeks ago, I phoned Navient ( as i often do ) in effort to discuss the figure they provided following the submission of my financial status documentation, due annually. I was provided with $ XXXX/mnth. I  explained to the representative if there was any way I would be able to qualify for a lower payment as it would be a great hardship in trying to make that payment each month. The representative ( in which I regret not taking his name ) stated that there was no other lower payment options available to me. I advised the representative that it wasn't the fact that i didn't want to pay, it was more of not having the funds to pay that given figure. The representative callously informed me that if i wasn't able to pay then i would simply default on my loans ( which I am aware of ) and have them sent to collections to be dealt with. I was really taken aback by the representatives remarks as that isn't the goal of anyone who cares remotely about their credit. I am maintaining a household in which I am also the " breadwinner ''. On top of weekly daycare expenses, mortgage, car payments, utilities, groceries, medical bills, and monthly federal loans expenses, i am drowning and wish there was more that could be done in lowering my payments with Navient. It has been so frustrating with dealing with Navient regarding a plan that works for me, not just a plan that they come up with that they simply advise " it's as low as you can go. '' In closing, this complaint is more two fold, as one sees, I am not only having issues lowering my monthly payments but also having revolving issues with the lender/servicer ( Navient ) as well.
Product: Debt collection

On XX/XX/XXXX, finally received a bill with fines from law firm and I demonstrated a grant deed I am on title. 

In XXXX XXXX previously sued for a XXXX vioaltion which turned to a XXXX, ooo fine and XXXX, ooo legal fee. 

The company failed to allow me to discuss matter on behalf of my husband, and I was the one paying the HOA. 

Now the problem is reoccurring. They bar me from obtaining information, not payments are rejected, returned to bank via another company called smartstreet. No will give me information : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX secretaries, attorneys, XXXX XXXX were dues are paid, all. 

Fees now are XXXX and will continue if not paid. 

No due process, violations of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We were asked to force our tenants to be moved out of the community, and they were not going to settle until that was done. We had to show proof that they were moved out. 

We were threatened by the other neighbors when we returned, Hoa did not intervene, and we chose to make the property a rental again.

Now the same things are happening. Hoa not sending my husband bill. I am trying to pay, refuse to speak with me. I had no idea I needed to add my name to title, and did not know how to do it. 

We refinanced, in XX/XX/year> and the tile was changed. Sent the trust deed showing us both on loan, XXXX XXXX dismissed that evidence. They continue to add excessive and unnecessay fees a practice they have done in the past. I requested time to obtain a copy of XXXX deed, they continue to add more fines. 
My husband is XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and only has a high school education.
Product: Credit reporting, credit repair services, or other personal consumer reports

MORE THAN 45 TO 60 DAYS AGO I REACHED OUT TO THE 3 CREDIT COMPANYS ABOUT ACCOUNTS LIST ON MY CREDIT REPORT THAT I NEVER SIGN OR USED THEY HAVE YET TO REMOVE THESE ACCOUNTS OR GIVE ME ANY INFORMATION ABOUT THEM TO THIS DAY.
Product: Credit reporting or other personal consumer reports

I did not authorize the following companies to access my credit file, and I request that these inquiries be removed immediately unless proper documentation can be provided to validate their legitimacy. 


XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a hard inquiry can only be recorded if I provided express authorization or if there is a permissible purpose. As I did not consent to these inquiries, they appear to violate the FCRA.

To resolve this matter, I kindly request the following from Equifax : 1. Proof of Authorization : Please provide documentation, such as signed authorizations or contracts, that the companies listed above submitted to verify they had my permission to conduct these inquiries.

2. Investigation and Removal : If no such proof can be provided, I request that these inquiries be removed from my credit file immediately.

Furthermore, under the FCRA 611 ( a ) ( 15 U.S.C. 1681i ), Equifax is required to investigate disputed items and provide a resolution within 30 days of receiving this notice. Any unverifiable or inaccurate information must be removed. 

If Equifax can not validate the accuracy of these inquiries with the required documentation, please kindly remove them and confirm the corrections in writing. 

Thank you for addressing this matter promptly. If you need further information, feel free to contact me directly.
Product: Debt collection

I contacted GC Services in XXXX XXXX to advise that i was not in agreement with the amount that they claim that I owe XXXX. I was advised that I needed to contact XXXX to address. We also discussed that i have equipment that I need to return which would drastically. Reduce the amount due. I contacted XXXX and returned the equipment reducing the balance by over {$1000.00}. XXXX advised me that they would have a supervisor contact me to discuss other charges. i then made contact with GC Services and provided an update. I advised GC Services that I was working with Dish as I was not in agreement with the amount of XXXX claim. The representative at GC Services requested that I make a good faith payment on the account while I work with XXXX to resolve. I made a payment of {$75.00} to GC Services three days later I received an alert from my credit monitoring service that i had a new collection. I immediately contacted GC Sercices who advised that there was nothing that they can do. Since then GC Sercives has updated the item on my credit report six times within a one week period. They even took the amount due back to the original amount. This seems to be retaliation for disputing the item. With them updating the item it makes it look as if it is a new item. GC Services sent an updated Dish bill in XXXX XXXX the bill showed the XXXX payment that I made to GC Sercices it also reflected the returned equipment. The date on the XXXX bill is XXXX XXXX XXXX. The bill was never sent out to me. XXXX does it have any of the debt collection language. Why would XXXX create a new bill for an account that was closed in XXXX or XXXX of XXXX. This further shows the deception of the collection practices. This bill was only generated when GC Services was challanged to do a debt validation. I only had service with XXXX for three months. I canceled the service due to service issues and the overall customer service exoerience I had in the shirt period of time i had the service.
Product: Debt collection

So I contacted XXXX and I wanted to get original copy of the contract. They told me that I need to contact auto now which is a car company in Kansas City Missouri that is now out of business so I have no way of getting the original contract. They just told me to pay.. That was my only option.
Product: Mortgage

My wife and I have "owned" this home since XXXX.  When we bought the home in XXXX, we had a mortgage with XXXX which sold it to Nationstar.  We are the parents of XXXX children and until XXXX of XXXX, we have been a family of 8 on 1 income.  My wife went back to work in XXXX at the school that my children attend  and with careful planning and budgeting it should have helped, but it didn't.  We've spent so long robbing XXXX to pay XXXX that we were ignorant in our efforts to establish a coherent budget that we could follow.  We were caught up on the mortgage through XXXX and then one missed payment became many.  Towards the end of XXXX we received our monthly statement from Nationstar stating we had an amount due of $XXXX.  We were prepared to pay this with our tax return, hoping to get caught up and make on time monthly payments and get out of this hole that we're in.  But unfortunately, it doesn't work like that.   I called them on Friday, XXXX to make the payment and was told I had to call back on XXXX.  Ok, no problem.  They gave no other information and no indication that there would be a problem.  So, on XXXX my wife called.  I work 3rd shift and was sleeping, so she called to try to get this resolved.  They informed her that we are in "active foreclosure" and that our account was sent to foreclosure on XXXX.  Wait, what?  My wife and I take full responsibility for being in the situation that we're in, we screwed up.  Here's the part that I have an issue with...  At no time did they contact us.  Not once.  There were no phone calls, no voice mails, no standard mail or certified mail. Not even an email.  Absolutely nothing.  The only correspondence we've received from them has been our monthly statement.  Which aside from indicating that we were late and owed a ton of money gave no other information.  In order to remedy this situation, we now need to pay $XXXX to a law firm that has been retained by Nationstar.  Again, we have gotten no correspondence from them either.  If we as consumers are held responsible for our actions by way of financial punishments (i.e. foreclosure, etc.) when do the financial institutions get held accountable for not following due process?  It's very frustrating.  So, since XXXX, I have been working with a XXXX housing counselor and I contacted CFPB to see if they could shed any insight on my situation.  I've done this with the understanding that they may not be able to do anything to help, but my hope was that they could at least offer some insight and point me in the right direction.  And so far I have not been disappointed.  Unfortunately, I am still at the mercy of Nationstar to grant me a loan modification, in the hopes of saving my house.  To anybody reading this, I would say this:  Do not wait until it's too late to take advantage of resources that may help you fix a situation, or avoid one altogether.  Unfortunately it doesn't take much to let things get away from you with the intent of fixing it tomorrow or next month, and then letting it drag on until it's potentially too late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy. 

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.
Product: Credit card or prepaid card

I applied for a Southwest Rapid Rewards Visa through Chase Bank. I applied because, even though there is a {$69.00} annual fee, there was a promotion providing {$200.00} statement credit on the first flight purchased and I was in the middle of booking tickets to see my grandson for his birthday. I applied, got approved, and the pop-up advised that the card was linked to my Southwest account for immediate use. The card information was present, but the purchase was continuously declined because I was missing information. The Southwest account identified that the 3 digit security code from the back of the card was missing. After numerous attempts to contact Southwest and Chase, I was ultimately transferred to Chase from Southwest customer service. Chase advised that my only option is to wait 7-10 business days for the card, to then make the purchase, at which time the fares would change, or use a different card, which would negate the reason for applying and result in a loss of the statement credit. I requested for the card to be expedited. Representative XXXX advised that Chase does not expedite credit card issuance, contrary to what research suggests. XXXX advised that the only assistance that could be provided is to close the account or wait for issuance. I elected to close the account, but as this is a known Chase/Southwest  issue , dating back over 4 years, this should be investigated, as I and others view this as a bait-and-switch tactic.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the several unsuccessful attempts to remove fraudulent items from my account. Despite multiple reports and requests for assistance, the resolution process has been frustratingly ineffective, and the fraudulent charges persist, causing significant distress and inconvenience. 

I discovered unauthorized and fraudulent transactions on my account, prompting me to contact your institution immediately to report the fraudulent activities. Since then, I have diligently followed the necessary procedures for disputing unauthorized charges, providing detailed information, and submitting supporting evidence. 

Regrettably, my efforts to rectify this situation have been met with continuous setbacks, leading me to question the efficiency and effectiveness of the resolution process. I wish to bring the following issues to your attention : Despite multiple reports and the provision of supporting documentation, it appears that the investigation into these fraudulent transactions has not yielded the desired results. The lack of progress is concerning, and I am left with unresolved issues on my account. 
Throughout this process, there has been a significant lack of clear and consistent communication. Timely updates on the status of the investigation and the actions being taken would have provided reassurance during this challenging period. 

To my dismay, the fraudulent items persist on my account, indicating a failure to adequately address the issue and protect my account from further unauthorized activities. 

I understand that addressing fraud cases is a complex and challenging task, but as a concerned customer, I expect a higher level of urgency, transparency, and commitment to resolving such issues promptly. 

I am formally requesting an immediate and thorough review of the handling of my case. I insist on a comprehensive explanation of the steps taken to investigate and remove the fraudulent items from my account. Additionally, I seek clear assurances and a detailed plan outlining how your institution intends to prevent the recurrence of such incidents in the future. 

If my concerns are not addressed satisfactorily, I may have no choice but to escalate this matter to the relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : 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
Product: Credit card or prepaid card

I set up automatic payment online for this account for the balance on the account 's last statement be paid in full on the due date. I have a confirmation that the AutoPay was set up correctly that on the due date the account balance will be paid. However, I keep getting emails saying that Bank of America will NOT AutoPay the balance, but the minimum & NOT on the due date, but the day after-which can subject me to late fees & finance charges. Then I have to call and wait online sometimes for hours to get a refund. Today, I finally got someone on the phone XXXX @ XXXXcustomer service rep named XXXX, and having spent over 40 minutes explaining the problem she seemed to NOT understand she finally gave me an explanation that made absolutely no sense. Something about that a month prior to the last Statement I had a credit balance ( because Bank of America instead of AutoPay the statement balance it only AutoPaid the minimum, charge interest & I had to go through this whole thing then to get a refund, hence the credit balance ) and " because of the credit balance, only the minimum is paid because Bank of America gets confused when there is a credit balance and doesn't know how much to AutoPay, even if the last statement has a balance ''. As I stated - MAKES NO SENSE!!
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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
Product: Credit reporting or other personal consumer reports

Transunion is reporting incorrect dates of negative items being opened. From First premier bank, XXXX XXXX and World finance company. There has to be maximum possible accuracy on my credit report under law 15 USC 1681 e ( b ) The dates opened are incorrect and I want these items removed immediately under the law I stated., Thank you, XXXX XXXX
Product: Credit card or prepaid card

AFTER GOING THRU MY STATEMENTS FOR TAX PURPOSES I FOUND NUMEROUS CHARGES THAT I DID NOT APPROVE I CALLED MY XXXX  CARD TO LET THEM KNOW WHAT WAS GOING ON THEY TOOK MY CLAIM FOR ALOT OF CHARGES AND THE SAD PART IS I FOUND EVEN MORE AFTER I SPOKE WITH THEM THEY ASKED ME TO SEND IN STATEMENTS WITH THE INFO ON THEM WHICH MAKES NO SENSE SINCE THEY HAD JUST SENT ALL THE STATEMENTS TO ME, BUT I SENT THEM IN AND HAD BEEN WAITING FOR THEM TO GIVE ME IT BACK BUT THEN I GOT A LETTER SAYING THEY WERE REFUSES MY CLAIM THEY DIDNT SAY WHICH ONE OR WHY. I DID NOT DO THESE CHARGES IF SOMEONE IS SAYING I DID ITS A LIE AND I ONLY KEPT PAYING THE CARD OFF CAUSE I DIDNT WANT MY CREDIT MESSED UP I SHOULDNT HAVE TO PAY FOR FRAUD OF ANY KIND ON MY CARD
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I had disputed accounts on my credit reports. with CFPB and XXXX and XXXX Trans Union. The CRAs were not reporting correctly. The complaint number is XXXX with the CFPB. XXXX has resolved the account reporting problem, XXXX and Trans Union has not. The Company that I have the accounts with has notified me that they have removed all prior paying history with all the CRAs and updated correct information. I am not sure why Trans Union and XXXX has not updated the accounts and did the same. This is a violation of my fair credit reporting rights and is truly not fair.Hopefully CFPB can help me with this reporting issue listed on the complaint number listed, informing XXXX and Trans Union what has taken place.
Product: Checking or savings account

Truist bank. I am not going to stand for this line no further action required. On XX/XX/2023 I had a United States postal service purchase for {$39.00} for registered mail. I never received any green ticket in return. I paid for green tickets to be signed and returned. If i wanted no green ticket I would have used regular mail. The bank needs to step up and protect the customer. I was told the return address has zip XXXX and my zip code is XXXX. I think I can figure out my zip code where I live. I am not going to the other side of town to that post office to fix the post office problem. The solution is the bank will credit my account {$39.00} for none service. If not the ceo will have a lien on surety bond. I am not playing around. You have a bunch of XXXX in your call center. They emailed to me the charges were authorized. I never said anything about it not being authorized. This shows me the intelligence level of your call center. I think I speak English ok.
Product: Debt collection

PORTFOLIO RECOVERY IS REPORTIMG INACCURATE, ERRONEOUS AND INJUROUS INFORMATION ON MY CREDIT REPORT ( S ) .WHEN I OBSERVED MY CREDIT FILES I SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED ( 2 ) VALIDATION REQUESTS IN ACCORD WITH THE FDCPA SECTION 809 AND DISPUTES TO THE CREDIT BUREAUS REGARDING THIS ALLEDGED DEBT.. 
CERTIFIED MAIL ARTICLE NUMBERS APPEAR BELOW : 1 ) # XXXX XXXX XXXX XXXX XXXX 2 ) # XXXX XXXX XXXX XXXX XXXX 3 ) # XXXX XXXX XXXX XXXX XXXX 4 ) # XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ILLEGALLY PLACED AN INQUIRY ON MY XXXX XXXX CREDIT REPORT ON DATE XX/XX/2020 SUBSEQUENT TO RECEIVING MY VALIDATION REQUEST ( S ) WHICH RECEIVED NOTHING CLOSE TO VALIDATION. 
PORTFOLIO RECOVERY IS IN VIOLATION OF FEDERAL AND STATE LAWS FOR COMMITTING CONTINUED COLLECTION ACTIVITIES. THIS COMPANY HAS VIOLATED THE FCRA AND FDCPA AS THIS IS A VERY SERIOUS VIOLATION IN ADDITION TO REPORTING AN ALLEDGED DEBT THAT I HAVE DISPUTED IN ITS ENTIRETY..I WANT THIS INACCURATE ITEM DELETED FROM MY CREDIT REPORT IMMEDIATELY.IF IT IS NOT DELETED IMMEDIATELY I WILL PERSIST AND FILE MORE COMPLAINTS AND SEEK COUNSEL.I PLEAD WITH CFPB TO ASSIST IN THIS MATTER. I APPRECIATE THE CFPB FOR THEIR EFFORTS IN ADVANCE.
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : 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