23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Due to the settlement and exposure of the fraudulent practices by Navient, I am disputing the entire loan. Please remove from credit reports. I am no longer responsible. 

XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : **Complaint Regarding Private Student Loans Navient Corporation** To Whom It May Concern, I am writing to formally submit a complaint against **Navient Corporation** regarding their handling of my private student loan, which I believe involved deceptive and unfair practices that have caused significant financial hardship. 

I obtained a private student loan from Navient in XXXX, and have since experienced a variety of issues, including but not limited to : - **Steering into costly forbearance options** instead of receiving assistance with more appropriate repayment plans. 
- A lack of transparency regarding the terms and conditions of my loan, including changes to the interest rate and payment schedules. 
- **Failure to provide proper disclosures** at the time of loan origination, resulting in financial harm. 
- Deceptive practices, including **misleading communication regarding repayment options** and my eligibility for alternative solutions, which led to a worsening of my financial situation. 

These practices are consistent with the issues raised in the recent settlement between Navient and several states ' Attorneys General. I believe my case falls under similar circumstances, particularly concerning **unfair loan servicing practices** that were detailed in the settlement. 

I kindly request that the CFPB investigate my case and take appropriate action to address these concerns. I have included copies of my loan documents, correspondence with Navient, and any other relevant materials as evidence. 

Please let me know if any additional documentation or information is needed to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was granted Forebearance by my Mortgage company XXXX from XX/XX/XXXX to XX/XX/XXXX -- - They unfreezed my credit and just started this month in XX/XX/XXXX to add negative information- that I was late 26 payment, when i was actually in forebearance. They took one year to modify my mortgage payment from XX/XX/XXXX to XX/XX/XXXX, and just sent my first new statement in over a year ... that my payment was changed from {$2800.00} to {$2500.00}, new payment effective XX/XX/XXXX. Also I wrote back on XX/XX/XXXX that my common law spouse also a co-borrower on my the shared mortgage loan, died back on XX/XX/XXXX as i have death certificate on file, wrote a hardship letter to XXXX... they have ignore my request. XXXX XXXX was a XXXX XXXX working the ICU XXXX ward at XXXX XXXX and also at a XXXX XXXX... .was very sick from XX/XX/XXXX to XXXX XXXX when he died at home from XXXX causing mulitple XXXX in his body. I requested XXXX for hardship on my mortgage loan and they have ignore my request. I am seeking further help for CFPB to intervene in this matter. Their Loss and migitation department is a mess, that handle forebearance customers ... .I request help many times..and they are messed up my credit report as being late 26 times.
Product: Credit reporting or other personal consumer reports

TransUnion Dispute # XXXX XX/XX/XXXX = dispute submitted XX/XX/XXXX = dispute resolved I submitted a dispute through TransUnion for a 30 day late payment from XXXX XXXX on XX/XX/XXXX. The dispute was resolved and the 30 day late payment was deleted from my credit profile on XX/XX/XXXX. On XX/XX/XXXX the disputed item was reinserted on my credit profile.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found that XXXX XXXX XXXX XXXXXXXX has been reporting inaccurate information to my credit report. By the FCRA 15 U.S.C sec 1681i ( a ) 5 I ask that this item be investigated and removed from my credit report.
Product: Credit reporting or other personal consumer reports

the company name is XXXX inquiry date is XXXX and it says contact by mail only i do not know who these people are
Product: Student loan

I made a payment online and received a payment confirmation email on XX/XX/XXXX. The due date for the payment was XX/XX/XXXX. Then noticed a few days later I started getting late notices ... .I tried emailing them but their email returned invalid. I checked online and saw that they doubled my pay as well as added a late fee. It went from XXXX to XXXX and added another XXXX equal {$160.00} I need for them to accept the payment that I already made as well as remove any late pay that they would attempt to report to the bureau. This is predatory because they know I'm trying to get into an income based payment plan and their policy requires that you have 12 consecutive on time payments to qualify. This is predatory.
Product: Student loan

Recently, one of my loan servicers changed, from Nelnet to Sloan. Being confused by which loan it was, I called the new servicer, Sloan, on XX/XX/year> and mistakenly requested them to be taken off the auto-debit option. Then, having realized my mistake, I called them back the same day and asked to be reinstated back to auto-debit. The customer service agent assured me that I would be able to do it online without a problem. So I logged onto my online account on the same day ( XX/XX/year> ) and submitted the application online to be put back on auto-debit, as it was the only option available to submit the application. The application was successfully submitted and received by Sloan, and I received a confirmation message on my provided e-mail account. 

On XX/XX/year> I received a note from Sloan stating that my loan was disqualified from a borrower benefit. Upon logging on to my account, I discovered that I have not been enrolled into auto-debit and that my account was past due, asking me to pay the two payments of {$560.00} that have been missed due to not being enrolled in auto-debit. 
On XX/XX/year>, I called Sloan customer service, and have been told that they haven't received my application for auto-debit despite me having e-mail confirmation message that they have received it. They then informed me that I would have to resubmit the application again and pay the outstanding amount, and that all the borrower benefits that have been removed from my account due to the account been past due would not be reinstated. On XX/XX/year>, I have again re-submitted the application for auto-debit to Sloan, and have, again, received a confirmation e-mail stating that they received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One was charged off without giving me a creditor to pay or contact. Now, I have a negative item I am unable to remove or pay. Please remove.
Product: Student loan

I started qualifying employment for public service loan forgiveness in XXXX of XXXX. According to NSLDS, my Direct Subsidized and Unsubsidized Consolidation Loans were disbursed on XX/XX/XXXX and I went into repayment on that same date. Since that time, I have made on-time qualifying payments every month for a total of 110 qualifying payments on each loan. This mean I should be required to make only 10 additional qualifying payments in order to obtain forgiveness on the remaining balance due. 

My FedLoan Servicing account indicates I have made only 70 qualifying payments on the Direct Subsidized Loan and only 71 qualifying payments on the Direct Unsubsidized Loan. 

I submitted requests to FedLoan Servicing online to ask someone to look into this issue on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have received automated confirmations that my inquiries have been received. However, I have not yet received actual help.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in those account to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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 information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8200.00} XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX  XXXX XXXX XXXX : {$1000.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$620.00}
Product: Debt collection

On XXXX/XXXX/XXXX XXXX, I contacted Citibank by phone regarding my credit card debt of {$12000.00}. We arrived at an agreement, which they proposed that as from XXXX XXXX, they would automatically withdraw {$210.00} every month from my XXXX checking account inorder to start paying off my balance. I provided them with my routing number and checking account number. They withdrew {$210.00} from my checking account on or around XXXX XXXX, XXXX. They were supposed to continue doing automatic payments from my checking account, something my daughter XXXX advised me to do so as not to be late on payments on any of my accounts. My daughter XXXX was a witness to this phone call. 
About a week ago, I received a letter in the mail from Citibank stating that my account had been sent to collections for non-payment. I was very surprised.I do not always monitor my account as I am very busy working trying to make a living for me and my family. After checking my account, I noticed they did not withdraw XXXX or XXXX 's payment. When I contacted Citibank, they stated that my account had been sent to collections because I had no set up automatic payments which is untrue and incorrect. I asked them to reinstate my account which they have declined to do and this is why I am filing this complaint. Citibank 's actions are damaging my credit when I did my best to work out an arrangement with them. Please help.
Product: Debt collection

XXXX XXXX XXXX reported a collection debt of {$1100.00}, but I never received a check. It does appear on my XXXX credit report opened date XX/XX/2023, reporting a high balance of {$1100.00}
Product: Credit card or prepaid card

We used the XXXX card to pay for 3 different dental procedures over the span of 2 years and we were given 18 mo. to pay off each procedure without incurring interest.

After we used the card for the first procedure, we set up auto-pay through our bank to ensure that amount would be paid in full prior to the conclusion of the 18 mo. promotional period ; however, XXXX began applying those payments to all 3 charges which cased the first to exceed the 18 mo. 

We contacted XXXX to request they waive the interest and we would pay the entire balance in full which they denied. Additionally, they were unable to assist us with questions regarding charges more than 1 year earlier, telling us we needed to write a letter to inquire about charges prior. 

The rep we spoke to even mentioned this " is like a credit card '' and as such, first dollar in should be paid, as is the case with every other credit card. XXXX prays on people with busy lives who rely on clear understanding up front. XXXX argues the terms of how payments are applied are noted in the terms however I see no such information noted in the terms on the reverse of the latest statement. 

BEWARE OF XXXX XXXX PREDATORY PRACTICES. IF YOU HAVE MORE THAN ONE PROCEDURE, CONTACT THEM TO ENSURE YOUR PAYMENTS ARE BEING APPLIED THE WAY YOU WANT/EXPECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was notified of the identity theft that I have been a victim of since way back in XX/XX/2018. I have a security freeze on my Experian Report, have sent in Police Law enforcement ID theft affidavits. I have provided proof that I am a victim of Identity theft this only occurred after my wallet was stolen. Not only are they authorizing these fraudulent accounts to be placed on my Experian credit report, They were notified that I did not authorize these accounts to be opened. I requested this account be blocked in particular because I have never received a single piece of documentation from this company. I have never been in any of their branches, never signed anything and the address they show that opened this account XXXX XXXX XXXX XXXX, Tx XXXX was never my address. I have notified the creditor. I am attaching my Identity theft Affidavit below once again. I called and spoke to Experian Fraud specialized services department whom located my identity theft affidavit. I advised them I have never done business with XXXX XXXX, and that the account only appeared after my wallet was stolen and after my identity was used unauthorized. Experian Refuses to block the fraudulent XXXX XXXX account and advised me there is nothing they can do. This is not my account. I did not authorize this account to be opened, I never received any information from this creditor. I never signed anything for this creditor. I never authorized anything verbally either. That's just it the account was only opened after my wallet was stolen by THE THIEF that stole my identity. Please Review Experian 's practices as they do not seem concerned about victims of Identity Theft. They are not following consumer laws.
Product: Student loan

I made a small purchase through my XXXX account, which was a gift I was sending to a friend. I checked " send as gift '' and entered her name, address and phone number in the shipping details. I paid for the transaction using my credit union bank account. 
The very same day, my friend received a phone call from Wells Fargo Bank asking for me to make a payment on my student loan! How can it be legal for Wells Fargo to have access to the information I enter into my XXXX account, especially when the transaction does n't even involve wells fargo bank? I had also made a payment within a few days before this incident
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX, l initiated a dispute with TransUnion about XXXX XXXX XXXX XXXXXXXX XXXX XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SD XXXX about reporting inaccurate information on my credit report by this credit card company. This account was open on XX/XX/18 closed and charged off and sold to third party collection agency or debt buyer. After TransUnion investigation, their finding was this account was verified as accurate but sold but no other party listed to who it was sold too .and it is not accurate. TransUnion updated credit report send to me stating that XXXX  XXXX XXXX  verified this account info as true not inaccurate information. But they are not telling the truth because this account was paid in full after it was charged off to third party collection agency. I have written XXXX  XXXX XXXX  several certified letters asking them to send me and all three credit bureaus who the account was sold to like name of collection agency and their contact info.XXXX  XXXX  XXXX  never responded back to me but supposedly responded back to credit bureaus. The credit report has another collection agency listed credit report but when l called this collection agency they told me it was transferred to another collection agency after a few calls l finally found who account transfer to them and l paid them in full. That collection agency agreed to pay for deletion and l paid them. They provide me with a pay for deletion letter to send to credit bureaus and the credit bureau refuse to delete this account because they said, XXXX  XXXX XXXX  has to send them updated info like who owns or who this account was transferred to. I been working and waiting on this new info or update for two years now But every time l send in dispute credit bureau saying this info is verified and accurate because it is not accurate because they are saying it is sold but to whom it say it not listed or given in comment area of my credit report.
Product: Debt collection

A place called Convergent is constantly calling me on my work phone. They have been told before not to call my work. I will file a complaint with the FDCPA if the calls do n't stop. I also want verification of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX AND XXXX  ARE IN VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS, INQUIRIES AND COLLECTION ON MY CREDIT FILE : Fraudulent Collections Accounts : XXXX -- -- ->Date Opened -- -- -- >XX/XX/XXXXXXXX XXXX XXXX : XXXX -- -- ->Date Opened -- ->XX/XX/XXXX XXXX XXXX XXXX : XXXX-XXXXXXXXXXXXXX -- >Date Opened -- -- >XXXX XXXX XXXX XXXX  : XXXX -- -- -- >Date Opened -- -- >XX/XX/XXXX Fraudulent Inquiries : XXXX - XXXX XXXX  -- >Inquiry date -- ->XXXX XXXX XXXX  XXXX -- -- >Inquiry date -- -- > XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX XXXX  -- -- ->Inquiry date -- ->XXXX XXXX XXXX -- -- ->Inquiry date -- -- ->XX/XX/XXXX XXXX XXXX XXXX  XXXX -- -- ->Inquiry date -- ->XX/XX/XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX  XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- XXXX XXXX XXXX XXXX -- -- ->Inquiry date -- XXXX XXXX  XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX  -- -- -- ->Inquiry date -- XXXX XXXX XXXX -- -- ->Inquiry date -- -- XXXX XXXX XXXX  -- -- -- >Inquiry date -- -- XXXX XXXX XXXX  -- -- -- >Inquiry date XXXX -- XXXX XXXX XXXX XXXX -- -- -- >Inquiry date -- XXXX XXXX -- -- -- ->Inquiry date -- -- XXXX XXXX XXXX XXXX  -- -- -- >Inquiry date -- -- XXXX XXXX XXXX  -- -- ->Inquiry date -- -- XXXX XXXX XXXX -- -- -- >Inquiry date -- -- XXXX XXXX -- >Inquiry date -- XXXX XXXX XXXX XXXX XXXX -- >Inquiry date -- XXXX XXXX  -- -- -- -- >Inquiry date -- -- XXXX Fraudulent Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX   XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX Fraudulent Names XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Mortgage

XX/XX/XXXX I sent XXXX XX/XX/XXXX I sent XXXX XX/XX/XXXX and XX/XX/XXXX I sent XX/XX/XXXX which is my mortgage. XX/XX/XXXX they sent me paperwork to catch up payment saying I hasnt paid at all. They have put my partial payments into an acct and not towards my mortgage. I contacted them to ask for paperwork to catch up. They sent it I filled it out had till XX/XX/XXXX to send all paperwork. Which I did XX/XX/XXXX per email. XX/XX/XXXX I recieved paperwork saying I was denied cause I didnt send it. I called and left message of when I did per email. To no avail. I have applied to vet organizations for help. And have left message letting them know I need a current amount after what I paid is taken off. They have given me nothing or those organizations. I have left message telling them to take my escrow money to put it towards payments. Or send it to me and I will do it. They are also still making us pay taxes even though we are exempt. They know this the county sends them stuff and I have every month with my payment since XX/XX/XXXX of last year. There is over 5000 in that escrow because of that.
Product: Credit reporting or other personal consumer reports

Once I saw accounts on my credit profile i immediately ask for verification, company didnt verify or tried to unlawfully verify account and Im a victim of identity theft 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

This debt was supposed to be from XX/XX/2003 15 years ago the amount of this that is {$310.00} dollars that was passed over to a debt collector and that on my credit report that I need it removed
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX account was never late. The account should be updated to show it was never late or removed. Requested proof of late payments. none could be provided. 
I provided bank statement proving banking errors to company with no response. Account number XXXX