23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I believe Navient has a major issue with the way they are processing my payments. I have Auto-Pay set up, the payment then goes through my XXXX XXXX XXXX account/shows up as a charge in my bank account, then, fast forward a few days and I get a notice from Navient saying my " Payment Reversed '' and the loan is now delinquent. This has happened for several months now. I finally just got off the phone with both my bank and with Navient. Navient states that they have my correct Bank account number and routing number and are insisting that this is a problem with my bank. My bank shows no history of Navient trying to charge my account On XX/XX/XXXX, my loans came out of forbearance, ( Navient told me I should use forbearance rather than deferment ), knowing my account was set up for Auto-Pay prior to the forbearance, I left the account alone, knowing to be paid automatically through Auto-Pay.

On XX/XX/XXXX, I got an email from Navient stating a " FFELP 1st Delinquency Notice ''. However, my account was set up on Auto-Pay so this should not have happened. XX/XX/XXXX, I receive an email from Navient stating " Payment Not Processed '' on all of my loans connected to the Auto-Pay and also an email stating " FFELP 2nd Delinquency Notice ''.

At this point, XX/XX/XXXX I call Navient, speak to a representative and we decide to RE-ENROLL in Auto-Pay and the rep placed me on a 1 month forbearance resuming payments XX/XX/XXXX. XX/XX/XXXX, I receive and email from Navient approving my Auto-Pay enrollment success.

So, I sit back and wait thinking my payments will go through and I will be back on track with proper repayment status. XX/XX/XXXX, I get an email from Navient stating my " Auto-Pay Terminated ''. And at that point I made a DIRECT payment through my bank account that showed up in my bank account, which was then later " Reversed '' by Navient. XX/XX/XXXX, I RE-ENROLL for Auto-Pay a SECOND time and receive an email from Navient stating " Auto Debit Enrollment Approved ''. XX/XX/XXXX, I get an email from Navient " Payment Not Processed '' on ALL of my loans.

I just called Navient and they suggested I make a payment using my debit card over the phone, which I did. They insisted that it was an error on my bank or my part.

I am frustrated beyond belief. I am trying to honor my repayments and maintain a good standing but Navient is making it EXTREMELY difficult to repay my loans. I believe there is an error in their payment processing system.
Product: Student loan

I have been trying to end my Forbearance and make payments on my accounts. On XX/XX/24, I called and was on the phone with MOHELA for XXXX hours. I asked to be taken out of forbearance as as my PSLF form was processed and therefore forbearance was not needed. They agreed to remove the forbearance in 10 days. 

I called back in early XXXX to request a status update and was on hold for XXXX hours. I was told there was no way to check the status and that they do not have the staffing to process the request. 
I have sent XXXX emails to have my account taken out of forbearance. I have submitted an income driven repayment request which XXXX said MOHELA must process in 30 days. 

I would like to resume my payments and MOHELA is delaying to gain more interest on the accounts.
Product: Money transfer, virtual currency, or money service

I initiated a dispute with PayPal regarding a {$130.00} transaction from a merchant which was a recurring service which had been cancelled. I purchased a domain name from XXXX ( XXXX ) and never consented nor authorized a charge for web hosting in addition to the domain name. I never received advance notice that I was going to be billed for something in which I did not sign up for. Despite their own terms and conditions requiring XXXX day notice on billing, I received the invoice 1 day before the renewal, via email at XXXX on XX/XX/2022. I cancelled the service shortly after midnight on XX/XX/2022. I was billed by the merchant, for a service that had been cancelled, after never actually signing up or requesting that service, on XX/XX/2022. 

Multiple attempts to contact both PayPal and the merchant XXXX have been unsuccessful. Multiple email requests to both have gone without a response to date. 

I am requesting a full refund of {$130.00} regarding these charges. They were deceptively added to the account, and the company makes it impossible to cancel the charges. Hold times of multiple hours are met when attempting to speak with their " Cancellation '' department over the phone, and emails and live chats go without a response.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX I deposited a tax refund check of the amount of {$3600.00} that I received through the mail by the United States Department of Treasury ( IRS ) to my Citi Bank Savings Account. 

On Thursday, XX/XX/XXXX, when I attempted to login to my account, I was unable to view my account via Citi mobile and when I attempted to use my debit card it declined. I called the bank on Thursday and they said that my account was flagged because I deposited this check. I verified with them my identity, where the check came from, who it came from, and that I received it by mail. I also pointed out that it is a Tex refund check which all of that information is found on the image of the check. They said it will take 24-48hours for them to review my account. I decided to called them on Monday, passed the 48 hours mark and I called the bank was informed that Citi said that my account status is on foreclosure because I violated their term. I was only notified because I called. No email or text alert did I receive with this update. 

They said it will take 30 to 60 days for the process to be complete. However they are withholding all of my funds including the money that I already had in the account ( about XXXX ) prior to depositing this check. I have no access to the account and am unable to pay any bills. 

Unfortunately for me, it is challenging for me to verify with the IRS if they have cleared the check from their end since it will about 6 weeks or longer just to verify. 

However withholding my funds, even money that was already in my checking and savings account prior to me depositing this check is unethical with no real verification or proof that I committed fraud.
Product: Mortgage

I have submitted each mortgage check to ditech ( I have XXXX mortages ) with them and they continue to post the money in the wrong account even though the correct account number is written on the check. I have recently tried to pay off my small mortgage and they applied it to the wrong account. They state that " they had a big computer update and it changed account numbers and many customers had that problem. '' However, that does not change the fact that they have messed up my account. They have told me to wait and I have waited 3 weeks! I call each day and they say it is being reallocated and " researched. '' I have my check stubs as backup to my claim. When I call, most of their representatives are rude and get snappy. They are not customer friendly and do not help customers try to resolve issues. I would have hoped that having an excellent payment history would help, but obviously they are too busy to care about their customers.
Product: Credit card or prepaid card

Bank of America closed my credit card, they did not mention why. I called them and stated there's nothing they can do to reinstate the account.
Product: Checking or savings account

I opened a checking account with Citibank , N.A . in XX/XX/2019 through the advertisement to earn XXXX XXXX XXXX AAdvantage miles after fulfilling account-opening activity requirements as a new customer. However, I have not received any AAdvantage miles as of XX/XX/2019, even I fulfilled the activities in early XX/XX/2019. I contacted Citibank 's customer service three times, and each time a representative confirmed that I have fulfilled the activity, recorded my complaint and promised that I will receive the award miles soon, because it's more than the advised 90-day period processing time after I fulfill those requirements. 

The latest case number I was given was : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX account # XXXXXXXX XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX DEPT OF ED/XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have a 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.
Product: Student loan

I got a {$35000.00} private " signature '' student loan from  XXXX   XXXX  in  XXXX  for graduate school at   XXXX   XXXX   University. I had previously taken out other very small " federal '' loans through  XXXX   XXXX  for  undergraduate  school in  XXXX  -  XXXX  for which I attended a mandatory seminar covering all the rights, responsibilities, and provisions of student loans. This included things like, the debt would be forgiven if I die and there were provisions for forbearance if I should become unemployed or have financial hardship. When I took out the " signature '' loan, I was told that it was a  XXXX   XXXX  education loan like the others I had, but I needed a co-signer. My brother agreed to do that for me. After I graduated in  XXXX , I found out that this loan was nothing like my other loans. I could n't find a job and the only income I had was what I could get from   XXXX   XXXX  . The only " forbearance '' I could get was for 30 days and I had to pay {$50.00} for what really amounted to a 30-day extension, not a forbearance. Later I was told that even that option was no longer available and that there was no forbearance or hardship option at all. The only job I have been able to find since graduating with my  XXXX  is working in a   XXXX   XXXX   part-time for $  XXXX , which is what I do now. I have been paying on the loan since  XXXX  as an automatic deduction from my checking account. I am paying $  XXXX /month on an " income adjusted '' program when my net income is about $  XXXX /month. In spite of the fact that the payment is debited automatically every month and am not delinquent in my payments, my brother gets  DAILY  collection calls and letters from Navient. Then he calls me and is terribly upset, which is much more upsetting to me than it would be if they called me directly. The stress is enormous. I have asked how I can get him released as a co-signer and was told that I ca n't. They said my only option is to take out a loan with another lender and pay off my student loan. I now have to take medication for  XXXX  and  XXXX . My student loans are my only debts. I have no credit card debt, mortgage, or even a car loan. I now owe more than I originally borrowed. This is a nightmare.
Product: Credit card or prepaid card

In early XX/XX/XXXX, I rented a vehicle from XXXX in XXXX XXXX. When I arrived to pick up my confirmed reservation, no such vehicle was there, and I was told I could only take a substantially different/ lesser vehicle ( the book value about 35 % of the one I reserved ). The total rental was for around {$680.00}. When the vehicle was dropped off in XXXX some days later, the XXXX facility refused to provide any receipt. Instead, I noticed a charge on my Bank of America credit card for {$1200.00}. I immediately filed a dispute with Bank of America. On XX/XX/XXXX, I received a letter from BofA that they were " working on [ my ] claim '', and there was " nothing [ I ] need to do right now- we'll give you an update as soon as we complete the claim process ''. 

Having heard nothing further in 5 months, on XX/XX/XXXX, at about XXXX XXXXXXXX XXXX, I called BofA customer service to find out the status of my dispute. After being shuttled around by various, completely unhelpful agents, I was finally told, some response had previously been sent to me ( nothing I ever received ), that they could provide no further information concerning what that response had been, and I would have to telephone their " merchant relations '' dept. the following Monday, as said department only operated M-F, XXXX XXXX XXXX  ( a bit odd for a national bank having its roots in California ). Adding more insult to injury, the BofA representative could not even provide a direct contact phone number for their " merchant relations '' dept. 

It is beyond absurd that a national bank, doing business in all four time zones, can not provide the most basic of information to a customer who has previously disputed a charge.
Product: Credit reporting or other personal consumer reports

FCRA Section 605B Unauthorized, my permission nor consent was not given to place this account on my credit report.15 U.S.Code 1692a315 U.S.Code 1692ca15 U.S. Code 1681
Product: Debt collection

National XXXX keeps calling and leaving messages. I spoke with their President at one time months ago and he promised to remove my number, but they called again several times lately. 
This is the XXXX time I have had to write you a letter. This is a copy of the letter I sent today. 

You keep calling my office number and leaving a message for a ( sounds like ) XXXX XXXX ... YOU MIST TAKE MY NUMBER OFF YOUR LIST. Months ago, I had to go all the way to the head person. He promised to take my name and number off the list. If I have to do this again, I will file a complaint and make sure I gather all my emails and call info. The harassing messages are coming from a XXXX call center -- - number XXXX XXXX. 

Besides, I understand it is not legal to leave a message about a debt anyway! 
DO NOT CALL my numbers again!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no Knowledge of the loan account reported by XXXX.
Product: Credit reporting or other personal consumer reports

It is my personal statement that the inquiries that I have listed are fraudulent and a result of identity theft and need to be deleted from my Comsumer report pursuant to 15 USC 1681c-2 within XXXX XXXX XXXX of your receipt of this report. Also, pursuant to the FCRA and 15 USC 1681e ( b ) you must maintain accurate records of my personal information within these reports at all times. Please update my personal information to reflect accurately. 

Please see attached Identity Theft Report.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to provide an overview of the credit reporting disputes I have encountered and the actions taken, which involve the following companies : Equifax XXXX XXXX XXXX XXXX XXXX  Please note that I have included delivery information for each dispute to demonstrate my efforts to resolve these issues. 

Equifax Disputes : On XX/XX/, I mailed my initial dispute to Equifax, and it was successfully delivered on XX/XX/. 
On XX/XX/, I sent a follow-up dispute ( Round 2 ) to Equifax, which was received on XX/XX/. 
XXXX Disputes : On XX/XX/, I sent my first dispute to XXXX, and it was delivered on XX/XX/. 
On XX/XX/, I submitted a second dispute to XXXX, which was delivered on XX/XX/. 
XXXX Disputes : On XX/XX/, I mailed my second dispute related to the XXXX XXXX  account to XXXX, and it was successfully delivered on XX/XX/. 
On XX/XX/, I sent another dispute ( Round 2 ) to XXXX, which was received on XX/XX/. 
XXXX XXXX XXXX  Dispute : On XX/XX/, I submitted a dispute regarding XXXX XXXX XXXX, and it was delivered on XX/XX/. 
In each of these disputes, I have consistently requested verifiable proof to substantiate the accuracy of the accounts in question. Specifically, I have sought either an original consumer contract with my wet signature or a certification from the creditors confirming the accuracy and completeness of the account information. 

Despite my persistent efforts, the responses I have received have not adequately addressed these concerns, and proper validation details have not been provided in accordance with the Fair Credit Reporting Act ( FCRA ). 

I kindly request your assistance in facilitating the resolution of these disputes, as they have adversely impacted my credit standing and financial well-being. I believe that my diligent efforts, supported by delivery confirmations, demonstrate my commitment to addressing these issues. 

I understand that you may require additional personal information to assist in forwarding my complaints to the relevant companies, and I am prepared to provide such information as needed in compliance with your guidelines. 

Thank you for your attention to this matter, and I look forward to your guidance and support in resolving these credit reporting disputes effectively. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing ( again ) to formally dispute the inaccuracies and inconsistencies in my credit report regarding the account with XXXX  XXXX, Account Number : XXXX. I have recently received my credit reports from XXXX, XXXX, and Experian, and after a careful review, I have identified several discrepencies that require immediate attention. 

XXXX inconsistencies in XXXX Dates : XXXX XXXX the last activity on XX/XX/XXXX. 
XXXX reports the last activity on XX/XX/XXXX Experian XXXX the last activity on XX/XX/XXXX XXXX. Discrepancies in Reported Late Payments : XXXX  XXXX reported a XXXX late payment to both XXXX & Experian XXXX XX/XX/XXXX. 
- However, it was reported to XXXX that I paid on time XXXX. Request for Documented Proof : I request DOCUMENTED PROOF of any LATE payments associated with this account. 

These inconsistencies not only misrepresent my credit history but also violate the Fair Credit Reporting Act ( FCRA ). I demand immediate action to rectify these errors, including the escalation of this investigation and the removal of the account from my credit report. 

I expect a prompt response within the statutory timeframe as outlined by the FCRA. Please provide me with updates on the progress of this dispute and any documentation supporting your investigation. 

Failure to address this matter appropriately will leave me with no choice but to pursue further legal actions to ensure the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

I Demand Equifax provide me with Certified Full Disclosure of their alleged Verification Methods concerning their purported Reinvestigation and updated reportings ; per the FCRA 611 ( a ) ( 7 ). See the attachments.
Product: Mortgage

On XX/XX/XXXX, I submitted complaint number XXXX to the CFPB regarding the servicing of my mortgage loan by Shellpoint Mortgage Servicing and the handling of my escrow account. 

That complaint was a follow-up regarding ongoing issues that were addressed in CFPB complaint number XXXX, which remain unresolved. 

My mortgage is coming off of forbearance and will be due for the XX/XX/XXXX payment. Shellpoint has not provided any information on the deferral of all back payments. 

Additionally, the company has to date, refused to provide an up-to-date escrow analysis and a breakdown of what my mortgage payments will be with the escrow shortage spread out over a 5 year ( 60 month ) period. 

It appears that they are attempting to ensure that I am in default and therefore subject to foreclosure. In my last complaint I requested a complete transaction history from inception. Shellpoint 's response was that they do not have any history prior to XXXX. If this is true, Shellpoint has no basis for determining what has been paid or what is owed on my mortgage. 

As stated in my prior complaints : On XX/XX/XXXX, I sent the attached letter ( Qualified Written Request " QWR '' ) to Shellpoint Mortgage Servicing which was completely ignored. Under the law, Shellpoint was required under Section 6 ( e ) of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ), to confirm receipt of the letter within five ( 5 ) business days and respond with an answer within thirty ( 30 ) business days. On XX/XX/XXXX, I sent a second ( 2nd ) letter to XXXX XXXX, the COE of Shellpoint Mortgage via FedEx. ( see attached letter dated XX/XX/XXXX ). To date Shellpoint has not resolved the issues. I will be resuming payments on XX/XX/XXXX and have not been informed of the : 1. ) Total amount that is being deferred and total amount owed on my mortgage including all deferred amounts. 2. ) The terms of that deferral, whether it be a recast changing the maturity date or a balloon payment- To be clear, I want a complete written breakdown of my loan, the amount owed, the amounts ( all amounts ) deferred on my loan ( past & present ). 3. ) An accurate and up to date escrow analysis as of XX/XX/XXXX - Including evidence of any and all expenditures listed as escrow advances 4. ) A written copy of the servicer 's guidelines ( from the investor ) that clearly shows that escrows can not be included in deferrals. 5. ) A complete written explanation of what can be done with escrow shortages again, from the investor ) 6. ) A payment breakdown that includes my current monthly payment with taxes and insurance ( based on an up-to-date accurate escrow analysis ) AND A breakdown of what the escrow shortage payments will be over a 5 year period.
Product: Mortgage

Wells Fargo XXXX XXXX x XXXX. - {$130000.00}. XXXX {$69000.00} XXXX XXXX x XXXX. - {$99000.00}. {$23000.00} XXXX XXXX x XXXX - {$65000.00}. {$110000.00} {$200000.00} PAID + {$53000.00}????? 
{$260000.00}! 

WHAT WAS THIS?. WHEN DID I SIGN THIS? Was this the 'second first XXXX loan released in both XXXX and XXXX??? 

To the CFPB. this was on YOUR watch. 
HOW did Wells Fargo STEAL my property? 
Wells Fargo took my duplex for money I DID NOT GET! did not save.and $ XXXX.i paid. 
And Probably the money I just paid on a loan modification on my HOUSE! 

Why is this OKAY?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still in the process of getting this inaccurate data removed m=from my profile. XXXX Eqifax and XXXX  has inaccurate information relating to my credit profile. My name is listed incorrectly and there are ample amount of credit inquiries as well as negative accounts reorted on my file. I am asking that CFPB steps in and ensure that the credit bureaus does what is right under law