23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

RE : CFRB Case XXXX Navient States : Thank you for reaching out to the CFPB with your concerns regarding your student loan account. We have confirmed that Navient services one Spousal Consolidation Loan on your behalf. Due to non-payment, Navient filed a claim with your guarantor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The claim was returned on XX/XX/XXXX. Because we were not able to resolve the past due amount on your account, on XX/XX/XXXX, this caused the loss of guarantee. XXXX did not pay the default claim and Navient continues to service your loan as an uninsured student loan. We have submitted an update to the National Student Loan Data System ( NSDLS ) to update the status to Defaulted Uninsured. By signing the Promissory Note, you have agreed to pay the principal and valid interest that accrues on the account in full. Please contact us at XXXX if you would like a copy of your Promissory Note. If you are interested in bringing your account up to date, please contact our Cures Department at XXXX. 

The purpose of consolidation may have been to take advantage of loan forgiveness programs offered through the Federal Government. By Navient illegally converting this loan to a non-federal loan, those opportunities are eliminated. The promissory note that was forwarded was specifically for Federally guaranteed loans. If a signed Promissory note for NON-federally guaranteed loans can not be produced, then these related accounts need to be expunged from our record.
Product: Credit reporting, credit repair services, or other personal consumer reports

failure to abide by fcra. 
continued failure to comply w previous complaints. 
continued " updated '' files which canot be proven accurate and nothing was sent my way from either the bureau or these companies within 30 day limitation. 

refuses to remove all reported adverse accounts. 
refuses to remove accts closed under fraud statute which should be deleted. 
accepts fraud from companies violationg cardholder agreements etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage lender ( XXXX XXXX XXXX XXXX ) ; Formally Known As ( XXXX XXXX XXXX  ) ; transferred/sold my loan to " RightPath Servicing '' : failed to report my mortgage payments under the Federal Pandemic Forbearance/Modification Plan. 
As a result, took advantage of the consumer ( person filing this complaint ) ; by their formed ( SPV ) companies formed for a single purpose to isolate their investment through abusive, threatening business practices ( i.e., physical threats, abusive communication, behind the scene deceptive tactics; attempting to cause financial and other harm ; by affecting my life in a negative way. They ( the parent company ) have in every which/ way violates my consumer rights in their nefarious methods to isolate their investment and activities. 
They have greatly harassed me, leaving threatening communication /paper at my house. following me in my daily life routines. They have teamed up with other outside entities against this one consumer to pull together a " lynching team '' including partnering with XXXX companies as a debt management system to validate their unlawful practices through national correct coding methodologies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any items in my credit report that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX GREEN XXXX XXXX XXXX, TX XXXX XXXX A XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX 2015 I applied for a checking account with Citibank online. Not sure if I did it right so I applied again on the phone and again on the XXXX online. On XXXX XXXX 2015 I received several letters from Citibank. XXXX of which contained a bank card in each. Great I had the account. I went to a Citibank Atm and deposited {$20.00} which is still in the account at the time this complaint is being filed. I tried to use my bank card and it was declined twice. Once I got home I called customer service who told me there was a restriction on the account and I needed to call new account services. I was also informed that I had XXXX accounts. I told them I only wanted XXXX and gave them the account number of the one in which to keep, the one with the {$20.00}. So just to be exact I am writing this complaint pertaining to the account ending in XXXX. On Monday, XXXX XXXX 2015, I called new account services where I was informed that I needed to send in proof of address. I was told that a cell phone bill would do and I promptly sent a copy of my phone bill to them. I faxed it to the number ( XXXX ) I received from the agent. I called the next day which was XXXX XXXX 2015 to verify that new account services received my fax, they did. Later that day I received a call from a number I did not recognize, XXXX. The gentleman on the line explained that he was calling on behalf of Citibank and he was the XXXX reviewing my proof of address I sent in and he thought to check with me because my XXXX bill had an apartment number and I did not put one on my bank application. I explained to him that it did not matter because I stayed in a hotel and all mail came through the front desk, so I would get it as long as it came to this address, the same one that I gave them on my XXXX bill as my proof of address. He asked if this address is permanent, I assured him it was. He then explained to me that he would have to talk to his supervisor as they usually do n't give accounts to people in hotels. He said he would call me back after he spoke with his supervisor, either later that day or the next. The next day I waited, I did not receive a call so I called new account services. They explained to me that the account was denied by XXXX and I will be receiving a letter soon. I feel as though I have been a victim of discrimination again. Where I live should not play a part in whether I get an account. I gave all my documents as asked of me. I already had the account, they sent me a card, so the only reason for them declining or closing my newly opened account has to do with the address where I live. I am not sure of the reason they put in the letter or the reason they will give your organization but I feel that it should be known that I have the card and even placed money in the account. The reason for them closing the account has to do with the fact that my address where I am a permanent resident is a hotel. I do n't think that people who live in hotels, or shelters, or any residence that Citibank does not agree with should be a reason that a person is denied an account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments associated with my XXXX XXXX XXXX account for the dates of XX/XX/XXXX and XX/XX/XXXX. This information is negatively impacting my credit report and, consequently, my means of living. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, I assert my rights as a consumer to dispute any inaccurate or incomplete information on my credit report while 15 U.S.C. 1666b Additionally, I would like to draw your attention to the provisions under 15 U.S.C. 6802, which mandates the proper handling and safeguarding of consumer information. It is imperative that your institution adheres to these regulations to maintain the integrity of my credit report.
Product: Credit card or prepaid card

I had my credit card ending in XXXX cancelled without any notice given on XX/XX/2020. I contacted customer service and spoke to a supervisor who said her name was XXXX, employee Id XXXX. She told me it was cancelled since I had not used it in six months. I asked her why I was not notified, even the courtesy of a phone call or email that it would be cancelled for lack of use, and she abruptly stated they are not required to do so. I explained to her that part of the reason for non use was due to COVID-19 but she couldnt care less. 

I told her I had {$35.00} in cash rewards on the card and she told me they had been cancelled. I asked her to reinstate the account and the cash rewards and she outright refused to do so. I ask her then to send me a cheque for the {$35.00} and she refused. I asked to speak to her supervisor and she refused, stating I could only complain to the bank president and only by regular mail. 

I have been treated in an appalling, disrespectful and insensitive manner by a bank who I had dealt with for several years and my account was in good standing. I would like the bank to reimburse me the {$35.00} that I legitimately earned. Fifth Third Bank is reaping millions of dollars by summarily cancelling customer accounts without notice and forfeiting their rewards. Any reasonable person would view this type of conduct repugnant if done by anyone, let alone a bank.
Product: Checking or savings account

I have a checking account with PNC Bank, the company I work for pays me with a check and every time I deposit my check the money is available the very next day except my most recent check which I deposited on XX/XX/2023. The next day I get a message from PNC Bank saying that my deposit is being held for reasons beyond their control but when I called my boss ( check issuer ), he called his bank and the said that the check was paid the same day it was deposited. So why is PNC holding specially when I live paycheck to paycheck and I have automatic payments coming after my deposit? PNC Bank then decided to pay the items presented as automatic withdrawals and then proceeded to charge me {$36.00} as overdraft item fee. This is a practice I have seen other banks do because they have done it to my spouse and I think it should be illegal.
Product: Mortgage

Today XX/XX/2021, I called the service provider for my loan as I have for the past few months to inquiry why my payment was not taken out as scheduled with my auto payment plan. I have a bi-weekly payment plan. My loan was initially with XXXX and later transferred to XXXX XXXX, serviced by Loan Care. My payments went like clockwork for quite some time until the last few months when my payments were taken out 1 to 2 weeks after the scheduled date. In one instance I was notified my payment was late! I have spent many hours with Loan Care on the phone to ensure my payment is processed and more recently to urge them to correct the issue. What I learned today after three hours on the phone with multiple people, is that loan cares computer system does not support the bi-weekly payment plan I have which was grandfathered due to the loan transfer. They have to initiate a service request each time. Of course, it was working correctly for quite some time, so I am not sure this is accurate. I asked to be put in contact with XXXX XXXX to discuss a new service provider who can meet my needs but was hung up on upon being transferred. It seems loan care can not or will not fix this issue. I am at a loss about what to do here other than refinance. Please help.
Product: Mortgage

This loan was transferred from XXXX XXXX XXXX XXXX XXXX ( XXXX ) to Specialized Loan Servicing ( SLS ) effective XX/XX/XXXX. The onboarding process has been a series of errors with no resolution. 

XX/XX/XXXX : Made XX/XX/XXXX payment to XXXX via automated phone system. 
XX/XX/XXXX : Received notice of servicing transfer from XXXX effective XX/XX/XXXX. 
XX/XX/XXXX : Called SLS to make payment for XX/XX/XXXX. They said the account was still onboarding from XXXX so they could not accept a payment yet. 
XX/XX/XXXX : First monthly statement from XXXX. XXXX was full of errors. Monthly payment amount was incorrect. Also showed a past due amount even though we were up to date with all payments to XXXX through XX/XX/XXXX. 
XX/XX/XXXX : Called SLS to discuss statement errors and make XX/XX/XXXX & XX/XX/XXXX payments. The two customer service reps I spoke to could not explain why XX/XX/XXXX XXXX payment was not applied. They could not explain why our monthly payment amount was incorrect. They kept putting me on hold, but each time they said they could not correct the account. While on the call, I emailed SLS a bank statement as proof of XX/XX/XXXX payment to XXXX. Then I made payment with the customer service rep for XX/XX/XXXX & XX/XX/XXXX. The customer service rep said she submitted requests to have our account researched and corrected. The call lasted over 90 minutes. 
XX/XX/XXXX : Called SLS to follow up. They said the proof of XX/XX/XXXX payment to XXXX was noted in our account and that the Cashier Dept. was still working on updating and correcting our account to reflect all payments received. 
XX/XX/XXXX : Monthly statement ( received on XX/XX/XXXX ) showed a past due amount even though we had paid our account up to date through XX/XX/XXXX. 
XX/XX/XXXX : Called SLS again to follow up. Transferred to Escalation Dept. The rep said the errors have been corrected in their system. The rep said a request will be sent to correct the account by applying the payments to show we have paid through XX/XX/XXXX. She said I can check back again after 5 business days. I requested contact info to complain about this process. She gave me a SLS XXXX XXXX XXXX in XXXX, CO. 

It is unacceptable for it to take so long for our account to be corrected. We are very concerned that XXXX will incorrectly report negative info to the credit bureaus and damage our credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX Bank : Account number XXXX Credit Account XXXX XXXX  : Account number XXXX XXXX Account XXXX XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Account XXXX XXXX  : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Attached are the following : * NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Product: Checking or savings account

On XX/XX/2020, I opened my checking and savings accounts and fulfilled all the requirements to receive their {$600.00} bonus ( {$300.00} for checking w/two {$500.00} direct deposits, {$200.00} for {$15000.00} deposited in savings until XX/XX/2020, and {$100.00} for both ) by XX/XX/2020. Generally, most banks will post the bonus as soon as possible but it is now XX/XX/2020. When I called to talk to a representative to ensure I had met the requirements and inquire on the date I'd receive my money, they said that it would be delayed until XX/XX/2020. They are breaking the contract we had both agreed to without any viable or legal reason. After being on hold for 25 minutes, I was finally able to speak to a representative that said the money should post on XX/XX/2020. Considering their track record and abrupt breaking of our agreement, I am filing this complaint to ensure they abide by the contract both parties agreed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 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 U.S.C 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 or has reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Duplicate reporting on all XXXX credit bureau credit report. Since XX/XX/XXXX amt {$970.00} the original creditor charge off and sold the debt to a collection agency on XX/XX/XXXX. Equifax, XXXX, XXXX are reporting the same amount of {$970.00} twice on my credit reports. This is a major issue for me.
Product: Credit reporting or other personal consumer reports

XXXX5USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently I am being charged late payments during COVID forbearance period, It has been documented that XXXX XXXX  committed fraud by misleading students such as myself. I have disputed the account on my credit report which carries a balance of {$15000.00} and 28 late payments as of XXXX XXXX. 
After a review of voluminous amounts of evidence, the Department found that from XXXX to XXXX XXXX repeatedly misled prospective students across the country with claims that 90 percent of XXXX graduates who actively seek employment obtained jobs in their field of study within six months of graduation. This claim was the foundation of a national advertising campaign called, XXXX XXXX XXXX XXXX to brand XXXX  as a XXXX XXXX XXXX  where it used the 90 percent placement statistic as the way to convince prospective students to enroll. 

In fact, the institutions actual job placement rate was around 58 percent. The Department found that more than half of the jobs included in the claimed 90 percent placement rate were held by students who obtained them well before graduating from XXXX and often before they even enrolled. These jobs were not attributable to a XXXX education and their inclusion was contrary to the plain language of the 90 percent claim. Moreover, XXXX excluded from its calculation large numbers of graduates who were in fact actively looking for work simply because they did not conduct a search in the manner that the XXXX XXXX XXXX department preferred. 

The Department also found that senior XXXX officials knew of the problems with the 90 percent statistic for years, in part due to concerns about its accuracy raised by alumni. 

In XXXX, the FTC reached a {$100.00} XXXX settlement with XXXX around similar allegations. The Department also reached a settlement with XXXX related to older job placement rate statistics in XXXX. The attorneys general of New York and Massachusetts also reached agreements with XXXX in XXXX to resolve allegations of misleading job placement rates.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX located in XXXX, Al. The car is a XXXX XXXX XXXX and has XXXX miles on it. On the Buyers Order the car is {$38000.00} which includes all of the taxes and registration fees and such. However, we financed our car through the dealerships lender which is Credit Acceptance and our monthly car payment is {$810.00} and at the time the dealership stated that my credit was the best theyve had. I have since then fallen on hard times and am unable to make my payments due to going from a XXXX income household to only XXXX. My fianc lost his job and we tried to keep up with the payments the best that we could but due to the high payments and high APR, it became impossible to do so. I feel as if I have been a victim of Credit Acceptance hiding my auto loan cost and I also feel as if I have been setup to fail with the extremely high rates. After financing through Credit Acceptance, my auto loan price went up to {$58000.00} being financed with the APR stated to be XXXX  %. We are behind tremendously and continue to receive calls every single day, multiple times a day after repeatedly telling the company that we are unable to make any payments at the time. We would like to have our claim investigated to ensure that we are not a victim of the unfair, deceptive, and abusive acts already filed against Credit Acceptance. The true cost of credit offered is far higher than what we were initially told which deprived us of the ability to make informed decisions, to compare financing options, or to avoid high interest charges. We would really appreciate your help in investigating this matter.