23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient has begun ignoring the payment instructions I sent them again. The instructions were dated XX/XX/XXXX and were received by them on XX/XX/XXXX. This is the SAME PROBLEM I reported in my previous CFPB complaint XXXX about Navient in XX/XX/XXXX, where they told me and the CFPB that they WOULD follow my instructions. Please see the feedback I submitted to that previous complaint as well, as they are also relevant. 

As only one recent example, my payment of {$210.00} received by Navient on XX/XX/XXXX applied {$19.00} to Loan XXXX, {$100.00} to Loan XXXX and {$91.00} to Loan XXXX. The amount due on these loans were : {$19.00} for Loan XXXX, {$20.00} for Loan XXXX and {$18.00} for Loan XXXX ( total : {$58.00} ). According to my payment instructions, Navient should have applied my payment as follows : {$19.00} to Loan XXXX, {$20.00} to Loan XXXX and {$170.00} to Loan XXXX. All of the {$150.00} extra principal from my payment should have been applied to Loan XXXX, the loan with the HIGHEST interest rate and LOWEST balance. I have attached Navient 's loan information sheet that shows their miss-application of funds ( {$100.00} to Loan XXXX and {$91.00} to Loan XXXX   ) for this example. 

I've included the relevant payment instructions below that were also included in my previous CFPB complaint against Navient. 
-- -- -- I am writing to provide you with updated instructions on how to apply payments when I send an amount greater than the minimum amount due each month. Please apply my payments as follows : 1. After applying the minimum amount due for each loan, any additional amount should be applied to the principal balance of the loan that is accruing interest at the highest interest rate.

2. If there are multiple loans with the same highest interest rate, please apply the additional amount to the loan with the lowest outstanding principal balance.

3. If any additional amount paid above the minimum amount due ends up paying off an individual loan, please then apply any remaining part of my payment to the principal balance of the loan with the next highest interest rate and lowest outstanding balance.

4. Do not put any loans into paid ahead status or advance my payment due date.

Retain these instructions. Please apply these instructions to all future overpayments.

-- -- -- If I have to submit any further complaints about Navient, I plan to ask for monetary compensation for the time it takes to submit all past and future complaints ( about 2 hours each ). This is a ridiculous waste of my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Loan servicer Navient failed to acknowledge my documented financial hardship due to XXXX as I was unable to my my loans and was looking to reasonably defer them. Regardless, I had also moved and was trying to update my contact information to get status of my loans by mail, however upon attempt to contact by phone, nobody was able to review and change my loan information. My email address had changed because I no longer had access to my school email. As I was experiencing my hardship due to XXXX, the loans apparently defaulted and I had no way to access nor was I in any condition to deal with it due to XXXX. Now that they have defaulted, not only is the lender reflecting late payments but the reflection on my credit is a double reflection of default on both servicers, both the original, and the lender, which there should only be one or the other.
Product: Checking or savings account

I, XXXX XXXX went to my bank ( Wells Fargo ) yesterday XXXX/XXXX/XXXX at XXXX am to make a withdrawal of {$XXXX} from the ATM # XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX. My son was very late for work and after putting the ATM card in the machine and indicating the amount, he grabbed the card and drove off without taking the cash. Immediately afterward, he realized and returned to the ATM. But there was a message on the screen that said " cash retained ''. 

As such, I believed the bank would do the necessary adjustment. But that was definitely too much to consider of the bank. Two hours after I received a notice saying that my account has been overdrawn. So I then called the bank to report the matter. I was subsequently granted a claim number XXXX and was told that it will take approximately 10 to 15 days to investigate the matter.
Product: Credit reporting or other personal consumer reports

I noticed a problem with a car loan from XXXX XXXX XXXX that had been paid off after an accident was still showing a balance. I tried to get it corrected. They corrected the balance but showed me as being behind over 60 days on that account. The account was never behind and I have the documents to prove it. Experian made my credit record worse by doing this. I've tried to get it corrected with Experian, XXXX, and XXXX XXXX XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. According to FCRA Section 605B ( a ) the Experian shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX Date opened XX/XX/19 Balance {$20000.00}, XXXX XXXX XXXX Date opened XX/XX/19 Balance {$0.00}
Product: Checking or savings account

On XXXX I discovered that there were XXXX forget checks in the amount of {$79000.00} ( XXXX ) and in the amount of {$2800.00} ( XXXX ) XXXXThese were faked and forget checks ( I still had a full book of checks including these XXXX in my possession ) .I immediately contacted the Police and made a report as well as went to the branch and made a report of fraud to seek a refund. On XXXX I received a refund for the smaller check- {$2800.00} but bank refused to refund {$7900.00} stating that my claim was Out of timeframe.Therechecks were clearly both signed and forget by same individual, couple of weeks apart. XXXX for {$7900.00} posted on XXXX, so my claim was made within 60 days of posting and within 1 day of discovery. I wrote to the bank asking them to provide terms of service, something showing the rules for making fraud claim and have not received a response. I have banked with this institution for XXXX XXXX, and have not been receiving any updates concerning 'timeframes ' for making claims for these type of account or situation. They clearly see that it is fraud since the refunded the other check but they are holding on to my funds. I have never had any withdrawals or checks against my account in the amount of more then XXXX dollars.
Product: Checking or savings account

A transaction was unauthorized on my debit card for over XXXX I filed a dispute with the bank they took two days and decided that the transaction was no error occurred I tried to file a rebuttal to have the relook at the transaction and they refused I didnt authorize the transaction or else I would not have filed the dispute. They did no investigation just decided that there was no error
Product: Credit reporting, credit repair services, or other personal consumer reports

My federally protected consumer rights have been violated. See attached documents immediately.
Product: Mortgage

My wife and I applied for a primary home refinance with Navy Federal Credit Union and were assigned a processor on XX/XX/XXXX. We were warned by Navy Federal Credit Union at the time of application that the volume was heavy and the average wait to close was about 82 days. We complied with all the required processing procedures in a timely manner, yet after waiting over 150 days, we still hadn't closed or got any formal resolution of our application. Still no formal response from Navy Federal to date. We finally received an email from a newly assigned Navy Federal Processor on XX/XX/XXXX stating that our application was " submitted to the Credit Committee as is '' and the date to have all items successfully received into the file was XX/XX/XXXX. " You are welcome to reapply in the future if you wish to proceed. Upon contacting the originator of this email we finally made phone contact with this processor. She told us that the application was incomplete. Asking her exactly was incomplete about it, she thinks that it was just incomplete due to poor communication between us and the processor. I can tell you we always responded to any request about this application in a quick thorough timely manner. Any lag time in anything was due to Navy Federal 's poor processing actions, not ours. We Have requested a formal written response as to why we haven't closed to date ( XX/XX/XXXX ). We got a voicemail from someone stating she was Navy Federal Supervisor XX/XX/XXXX which just stated " if you still desire further correspondence regarding the previous loan application her number is # # # # # # # # # #. Please give me a call if you want to reapply and there is no waiting period for you to satisfy ''. I have left 2 messages since this message was received and I have yet to get any response. In the mean time I have decided to initiate a loan with another company on XX/XX/XXXX. Perhaps our situation can help others in making a better decision when considering using Navy Federal Credit Union in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are repeatedly showing incorrect information regarding an open XXXX XXXX  account, a closed XXXX XXXX, a closed XXXX XXXX XXXX account, closed XXXX XXXX, closed XXXX Credit Card, and a closed XXXX  XXXX XXXX account. I have not been late on these accounts and have disputed it numerous times. I demand that the credit bureaus furnish proof that I have been late on these accounts within the 30 days that they've received my disputes ( on XX/XX/2020 through certified USPS ).  Otherwise, it needs to be taken off immediately. 

In addition, there are two charge offs ( XXXX XXXX XXXX and XXXX XXXX DBA XXXX  ) that have never been validated on my credit report and are just being brought to my attention through looking at my credit report. These are debts that do not belong to me. I dispute the validity of these charge offs and demand an immediate investigation on if these accounts even belong to me. 

In addition, there are numerous addresses and phone numbers that do not belong to me reporting on my credit that need to be removed. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX   XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ; ( XXXX ) XXXX ; ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This is my 5th attempt requesting the removal of inquiry that I did not authorize To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX Experian and/or XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize. 15 usc 1681 15 USC 1681 Section 602 States I have the right 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. 

Unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, XXXX and Experian regarding the inaccurate and harmful reporting of my credit account details. Specifically, I demand immediate action to correct the following : 1. Late Payments 2. Collections 3. Charge-Off Status
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the lawsuit filed on XX/XX/2019. Case XXXX the company is still failing to conduct reasonable investigations and reporting false/inaccurate information to the Credit Reporting Agencies. They never contacted me nor provided me with any accurate documentation of the alleged debt. 

The amounts that are said to be owed are incorrect. I also had a security deposit that was not given back and I am assuming was applied to the prorated amount that was owed. I do dispute the amount that is said to be owed and do not owe said amount. I have disputed the account several times and the incorrect amount has been lowered but is still not accurate. The collection account from Fair Collection & Outsourcing is showing an open status and balance which is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Experian and XXXX for continuing to report and furnish inaccurate information on my consumer report after several disputes have been launched and being in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 XXXX XXXX is still reporting each month on my Equifax credit report when they are no longer the servicer. XXXX is also reporting which is the servicer. If XXXX is no longer the servicer of my student loans and they are transferred to XXXX, how is XXXX still reporting an update monthly to Equifax. Please see the attached credit report for verification. This is fraud and I am prepared to obtain a lawyer after numerous attempts to resolved that have gone unsuccessful.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX submitted a dispute to remove or show that my Mohela student loan was paid in full. XXXX told me that my dispute did not specify what I wanted them to do so I had to submit another one. I also submitted verification of the debt being paid in full which I had a letter from Department of Education detailing this back in XX/XX/XXXX. I submitted another dispute in XXXX which again verification was submitted. I contacted experian today ( XX/XX/XXXX ). I was told that documentation was never submitted to verify that my loan was paid in full by the first agent. I requested to be sent to another agent to reprocess the dispute. I spoke with this other agent who was able to see the documents that were uploaded prior but did not provide a reason why it was not sent before. 
In the mix of everything I had already spoke with Mohela approximately XXXX weeks prior and I was told that the credit bureaus would be notified by XX/XX/XXXX that the debt was paid in full. XXXX and XXXX have already sent me letters last week confirming that the debt has been paid in full but for some reason XXXX has not. I do not appreciate the way this has been handled by XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry made without my knowledge or consent XXXX/XXXX
Product: Mortgage

Good Morning, Thank you for your consideration and response. 

I have spoken to my attorney and he has informed me that we are no longer in litigation at this moment. Please revisit our case/complaint for questionable business practices by JP Morgan Chase pertaining to our request for a home loan modification that has been going on for 6 years now. 

Thank you again for looking into our case. 

Kind Regards, XXXX XXXX XXXX XXXX From : Consumer Financial Protection Bureau [ mailto : XXXXXXXXXXXX ] Sent : Tuesday, XXXX XXXX, 2016 XXXX To : XXXXXXXXXXXX Subject : Your submission, [ Case number : XXXX ] Subject : Your submission, number XXXX We reviewed the complaint you submitted and sent it to the company for a response. 

The company was unable to respond to your complaint because it appears you 're involved in pending or prior litigation about the same issues raised in the complaint. No further action will be taken on your complaint. 

What happens now? 

We entered the information you provided into the XXXX XXXX XXXX, a secure online database operated by the Federal Trade Commission. Civil and criminal law enforcement authorities worldwide, including Consumer Financial Protection Bureau investigators, use the XXXX XXXX XXXX to identify questionable business practices that may lead to investigations and prosecutions. 

Can I hire my own lawyer to look into this? 

Yes. While we ca n't give legal advice or represent individuals in legal matters, if you want more help you can contact a private attorney or your local legal aid office for free or low-cost legal resources at XXXX. 

Is that it? 

Your complaint helps us identify trends and problems in the marketplace and understand the challenges people are facing so we can do a better job looking for these problems when we supervise companies, enforce Federal consumer financial laws, and write rules and regulations. 



Thank you, Consumer Financial Protection Bureau XXXX ( XXXX ) XXXX ( XXXX ) AR XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to fix this with the bank and now for the second time they keep reporting wrong information to Transunion credit report. this mortgage went to foreclosed in XX/XX/XXXX and it was removed from my credit in XX/XX/XXXX. why is the bank still reporting this mortgage under my name. i went to puerto rico in XX/XX/XXXX and they were other people living in this house. this bank is a fraud and has a good reputation of  doing dirty management like this. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason my XXXX XXXX was declined was stated as Your credit balance is too high relative to your credit limit When I looked at my credit I see my discover card reflecting a XXXX balance when in fact it has a XXXX with a credit limit of XXXX balance which is under 30 % usage. I believe this is the reason I was declined.
Product: Credit card

It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX and I earnestly hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am writing to you today because every month, my credit score dips roughly a number of points as a result of a misunderstanding between me and Comenity BankXXXX XXXX Credit Card XXXX 

In XXXX of XXXX  I opened a XXXX XXXX credit card at a store in XXXX, Illinois and purchased a pair of boots as well as sunglasses. These were to be shipped to my home address in XXXX XXXX. 

I never received the package, so I didnt pay for purchases on the credit card. There was a triangular conversation happening between myself, my apartment building and the delivery service. I later learned that the package was either lost or ( most likely as this happened to others ) stolen from my apartment doorstep. I also was not receiving mail nor did I receive a physical J Crew card with which to set up an online account. At this point in XXXX, I called and let XXXX XXXX know while simultaneously making a payment for my sunglasses which I purchased and received. In the meantime, unbeknownst to me Id been hit with a late charge despite having not received the package. And keep in mind that I am also not receiving email or physical mail at this point- or phone calls! So completely in the dark, I am getting charged late fees on an order that never arrived. 

Fast forward to today and I have a hefty bill full of late fees ( no principal because no order was received ) but even worse I have a suffering credit score. My score sits at XXXX and continues to take hits as a result of this.
Product: Debt collection

I received a letter from Cedars Business Services, seeking payment for a traffic ticket from XXXX, XXXX, from XXXX. The total debt is {$210.00} : {$91.00} fee and {$120.00} principal. There is no date specified for the infraction in the letter from Cedars. In  XXXX of XXXX, my wife and I were traveling in XXXX. Upon our return, we received ( and paid for ) a credit card bill, with charges for our rental car, plus an additional charge for the traffic infraction. We have received no communication from any XXXX  government entity. We have lived at the same address for the last 10 years, so there is little chance of a postal issue. 

In a letter dated XX/XX/XXXX, I responded to Cedars, requesting documentation of the purported charges. 

The address of Cedars Business Services is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX. Their phone number is : XXXX. The date of their letter is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 i put in a dispute with chex systems they did not investigate by the law of the fair credit reporting act and left the inaccurate and incomplete information on my consumer report this issue need to be address.
Product: Debt collection

Navy Federal CR Union Debt Validation Request Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods.

For my debt validation methods these are the things I would require from you. I would require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action.

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company.

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days.

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your immediate attention to this matter.