23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

We took out a Parent Plus Loan from Navient for our daughter to attend XXXX. She graduated in XXXX, XXXX so the payments started in XXXX of XXXX. We make ( 2 ) payments every month : 1 ) {$1700.00} for our portion of the Parent Plus Loan and 2 ) {$300.00} for a student loan our daughter, XXXX, took out to close the gap. 
We make the payments every month and we pay more than is required. 
In the twenty ( 20 ) months that we have been making payments, so far Navient has 1. Lost a check for {$300.00} even though BOTH checks are sent in the same envelope every month and 2. Did not credit our XXXX XXXX payment of {$1700.00} to our account even though they did credit the {$300.00} and, again, BOTH checks are sent in the same envelope every month. 

Fortunately, because we had gotten ahead on the {$300.00} payments ( Navient sent two invoices within the month of XXXX, XXXX for the same payment so we just made the extra payment to make sure there were no problems ), the only consequence of losing the {$300.00} check was that we were no longer ahead on the account. 
In the case of the missing {$1700.00} credit, I called Navient when I noticed that the invoice we received showed the account as Past Due. After waiting on hold for nearly 20 minutes, the Navient representative told me I would have to fax over a screen shot of my bank account showing that the payment had cleared. Because Navient does NOT actually cash checks but uses the checks for electronic withdrawals, there is NO cancelled check for me to send to show the payment had been made. As of today, I have not heard anything back from Navient as to the status of my account ( this was done on Thursday, XXXX/XXXX/XXXX ) so I will have to call them again tomorrow to make sure the payment has been properly credited. 

Clearly Navient is a sloppy company that is raking in billions in student loans. In only 20 months of payments they have made 2 very careless mistakes. Something needs to be done to hold their feet to the fire and make sure they are servicing these loans in a responsible matter. 

Thank you. 
XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I went to the emergency room in an ambulance under duress. I was released on XX/XX/XXXX. I started to receive bills from XXXX XXXX/XXXX XXXX XXXX totaling {$2900.00}. I did not believe I was responsible for these bills so I did not pay them. I called my insurance company and was assured I had a XXXX   patient responsibility for these Items. There were three separate charges as follows : XX/XX/XXXX- {$1400.00}, XX/XX/XXXX- {$740.00}, and XX/XX/XXXX- {$760.00}. I reached out to the XXXX XXXX after finding out I was placed in collections. I was told that my insurance company had denied the claims and they would not remove me from collections. After another call to my insurance company it was determined that XXXX XXXX had billed the wrong portion of my insurance and I again was assured I had XXXX patient responsibility. This was approximately XX/XX/XXXX. Now I called both the collection company Online Information Services and XXXX XXXX about this matter and both refused to remove me from collections while we sort this out. After placing numerous phone calls to all parties involved in the matter I was informed by my insurance company that a claims specialist had gotten to the bottom of this and it was sorted out. Now I'm still seeing this reported on my credit, and I called Online Information Services yet again and the last answer I got was that they're showing three accounts closed, but I still have three accounts open showing I owe them a debt. I explained to them that there were always only three accounts and this is impossible but now at this point they refuse to remove it from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am XXXX days past due on the XXXX XXXX XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 3 8 and 10 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my accounts and transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My
name is XXXX XXXX XXXX. I have a twin brother by the name of XXXX XXXX whose information is appearing on my report. I have contacted the credit bureaus : XXXX, XXXX, and Equifax to resolve the matter. Equifax submitted the dispute but responded that all the accounts belonged to me which is not true. Equifax has refused to use documents from the creditors to support my dispute. Equifax has also blocked my file permanently so my employer has been unable to pull my credit to make me eligible for my securities license. Since I ca n't get my securities license, I can no longer be an Agent with XXXX. I 'm also unable to close on my home. I did not renew my lease so XX/XX/XXXX, I 'll not only be jobless but homeless.
My mother died after giving birth to my brother and I. Luckily she named us similarly because we were separated and adopted by different families. She was a drug user so the cause of death has n't been fully explained. We have no idea who she is.
My brother and I not only have different names but different social security numbers as well. I would greatly appreciate if you all would request that Equifax remove the files from my credit report that were not only deemed fraud back in XX/XX/XXXXbut also remove the items that are attached to my brothers SSN.
I also believe that they purposely and maliciously disputed information in my brother 's name so that all accounts could and would be verified. The reason why I feel this way is because all of my brother 's creditors are sending him letters to MY address in regards to a dispute. My brother did n't dispute the information so why would the letters say XXXX XXXX instead XXXX XXXX XXXX if I 'm the one who requested the dispute via Equifax? Refer to the document attached labeled XXXX.
Product: Debt collection

I noticed a collection account from Allied Collection Services Llc on my credit report for something I have no knowledge of, I sent them a certified letter asking for validation of the debt such as signatures, copy of contract, anything that could help me resolve this, they have not responded and continues to report this debt as mine. I have never had any dealing with the company they are representing and do not owe this debt, I am requesting them to provide all documentation they have showing this debt to be mine.
Product: Prepaid card

I bought several gift cards as gifts and kept XXXX for personal use. When I went to register my prepaid card I noticed that it had been fraudulently used and immediately called the company. After hours of time explaining the situation and long holds, I was told they could not do anything about it and would need to fax over information, affidavits all of which I did. After many numerous follow up phone calls the representative said it could take 90 days to receive a response from the mechant and another 90 days for review. This process has been discriminatory as I 've received nothing but the runaround. When I 'm on the phone with them, they place me on hold, they will not give me their last name or supervisors name or number. They have horrible customer service and have yet to have resolution on my prepaid visa card that I 've bought months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. These accounts from XXXX has been on my report fraudulently the past year violating my fcra rights hurting my ability to purchase a home. XXXX XXXX XXXX XXXX has been reporting on my account fraudulently for over XXXX  years. 

I wrote to the credit bureau on XX/XX/XXXX requesting an investigation that I believe were outdated. I have received no reply or acknowledgment that an investigation has begun. This is my second request. This is passed the XXXX window and these in accurate fraudulent accounts needs to be removed from my credit file asap. There are even accounts on my report that are not only fraudulent but these accounts have been reporting negative on my credit file for over XXXX  years. The credit bureaus are not following their own laws. Its been over XXXX  days. Accounts such as XXXX XXXX XXXX continue to violate my FCRAa am rights account # XXXX {$29.00} XXXX XXXX XXXX # XXXX {$190.00} Those accounts have been reporting negative on my profile since XXXX and should be removed asap. XXXX XXXX XXXX has been reporting negative on my profile since XXXX XXXX XXXX  # XXXX fraudulent account as well and refuse to send any validation that verify such accounts. XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts were all opened under my name and these accounts were not authorized by me. These companies have not verified any information by me. The credit bureau are violating my FCRA rights by continuing to report theses fraudulent inaccurate accounts.
Product: Debt or credit management

Midland credit management is collecting for XXXX and they continue to say it is for XXXX which is another collection company they cant tell me who they are actually trying to obtain funds for which did take me a minute to realize. When I dispute the collection they refuse to remove off my credit due to I am not sure it belongs to because they do not even know the original company
Product: Credit reporting, credit repair services, or other personal consumer reports

As I have been looking over my reports. I see that there are late payments reporting on my credit report for the months of XXXX, XXXX, XXXX. I am requesting that the late payments on my credit report be removed. Per 15 USC 1666 b. I have been current so I don't want that to continue to affect my scores. 

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

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal, and non-verbal, per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit Reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The Bureau of Consumer Financial Protection enforces the enforcement regulations prescribed there under Shell, the Federal functional regulator, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. According to IRS Publications, a Charge-Off is considered income which means it can not be reported on my consumer report.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX is reporting unauthorized inquiries, collections, late payments, names, addresses, and phone numbers on my credit profile. I am a victim of identity theft from multiple people stealing my information. I have reached out to these credit bureaus numerous of times and havent gotten a response. They only update the accounts as meeting FCRA requirements without doing the proper investigations. The Louisiana Department of revenue XXXX XXXX XXXX police department, and XXXX police department are all aware of the fraud that has been committed against me and also have fraud reports from me. Also the supervisor at the social security office in XXXX Texas informed me that someone has been using my social to work in Wisconsin and I have never lived there before. I have also reported this to the FTC office. I am disputing all collections, late payments, and inquiries from XXXX, equifax, and XXXX. Also I should only have XXXX name, XXXX address, and XXXX phone number on my credit profile according to the FCRA. The fraudulent information on my credit report is very detrimental to my character and has caused me not to be able to obtain credit. I am going to attach a copy of my FTC report on this complaint
Product: Bank account or service

On Monday, XXXX XXXX, 2015 my father-in-law an elderly person requested help from me ( daughter-in-law ) and son due to XXXX XXXX XXXX not receiving the payment. After authenticating my father-in-law about XXXX times. The Bill Pay Transaction to XXXX XXXX XXXX for a phone bill of {$50.00} paid on XXXX XXXX, 2015 was never received by XXXX XXXX XXXX which has caused my father-in-law stress after never having any issues. It is unfair and deceptive practice that Chase gave the runaround from XXXX until XXXX, where we patiently waited XXXX XXXX hours for a Claims manager due to the 'high volume ' of calls, when I was finally transferred to a Manager in the XXXX after speaking to over XXXX different Chase representatives ( various of which we did n't document their names, a few were XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX and lastly XXXX XXXX, claims department manager ). 
The call started with a simple question as to why XXXX XXXX XXXX had not received the recurring payment for the phone bill. Chase referred us back to XXXX XXXX XXXX to provide them proof of payment which XXXX XXXX XXXX did not approve and requested that a " Transmittal Report '' be faxed directly from Chase. We then contacted Chase again and requested the transmittal form which all representatives were not familiar with and they continued to transfer us to different representatives where the issue was finally and hopefully resolved by XXXX in the evening. 

It has been the worst experience with Chase and the type of experience and most unfair practice. There is lack of training, and it is important that clients and elders are n't treated with this type of experience.
Product: Credit card or prepaid card

I had purchases in the amount of {$640.00} on a promotional balance that expired with the XX/XX/2019 statement. I called the credit card company in XXXX inquiring as to when I needed to payoff the promotional purchase to avoid interest. She said I needed to make the payment after the XXXX statement closed. I made my XXXX statement payment in full of the expiring promotional balance of {$640.00} on XX/XX/2019, 8 days prior to the due date of XX/XX/XXXX. Rather than my payment paying off the expired promotional balance, my payment was applied to two other younger balance transfers and I accrued {$10.00} interest on the {$640.00} of purchases on the expired promotional balance on the XXXX XXXX. I called the credit card company today, XX/XX/XXXX, and they tell me I now need to make the payment in full plus interest to avoid further interest on the balance and that I made my payment too early as the balances were all 0 % promotional on the XXXX statement, yet I was accruing interest on the {$640.00} as of XX/XX/XXXX. I asked how come the payment wasn't applied to the balance accruing interest, and they said it wasn't accruing interest last month yet there is interest accrued on this months statement. They refused to fix the issue. Im not sure how I could have avoided paying this interest as they would not extinguish the expired promotional purchase balance with the payment in full I made before the due date. This can not be in compliance with the CARD Act of 2009, as I had a balance accruing interest and my payment was not applied to that balance.
Product: Student loan

Aidvantage is servicing my loans. They show I owe over {$400000.00} XXXX for unsubsidized loans taken out in XXXX is my new repayment start date. 
Problem with that is that I began repayment of my student loans in XXXX after I graduated from XXXX  XXXX XXXX in XXXX of XXXX. 

This tanked any chance I had at loan forgiveness by the Biden Administration. Besides the fact that I never took out an unsubsidized loan for those amounts. 

I have asked Aidvantage for all documentation through their service portal last XXXX. In XXXX they apologized for the delay but still have not found the loan origination paperwork. 

I have not taken out any student loans anywhere since the fall semester of XXXX. 

Can you help me get to the bottom of this to correct the loan amounts, loan type, and repayment start date? 

Thank you. 
XXXX XXXX
Product: Debt collection

I lived in HUD low income housing for 8 years. I gave 20 days notice and received a letter for my new landlord that I always paid on time, didn't owe anything, and he even added that I was one of the top XXXX cleanest tenants. 4 years later, I see on my credit report a debt for almost XXXX XXXX dollars. I contacted the apartments and they told me the previous property management company took off with all the XXXX XXXX money and sent everyone that filled out the forms to collections. They told me to just dispute it because there's no proof. I disputed it 4 times. I was never notified before it showing up on my credit report. The apartments told me the notices were sent to their own apartment that I had vacated. I did give them my forwarding address in writing. This was intentionally done so I couldn't fight it. After 4 years, the only proof I have left is the letter from this landlord to my new landlord and a copy of my lease dated XXXX, when I moved. I am going to be forced to file bankruptcy because of this if it's not fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted the following reporting agencies which are XXXX, XXXX, & equifax and made it clear that these items -XXXX XXXX Acct XXXX XXXX -XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX -XXXX XXXX XXXX Acct XXXX XXXXXXXX -XXXX XXXX XXXX XXXX Acct XXXX  XXXX -investment retrievers Acct XXXX XXXXXXXX are not my accounts and Ive been a victim of identity theft and they have yet to abide by the fair credit act and remove these unauthorized fraudulent accounts.
Product: Credit card or prepaid card

There was Two charges that appeared on my Credit card on the XX/XX/XXXX,XX/XX/XXXX For Light bill and Cable bill that was paid. On the XX/XX/XXXX I called in notified the company and began the dispute. On XX/XX/XXXX They Credit is back the {$520.00} which is the total of  {$170.00} Light bill and {$340.00} Cable bill.The Company reverse the charge of {$340.00} on XX/XX/XXXX because i had the same cable company. Spoke with the fraud department which gave me a fax Number .To send bill from the cable company to show that My account has n't been as of yet and the amount of the charge an my is n't the same amount. which @ the time XXXX which is a past due of 2 months. Now on the XX/XX/XXXX they sent me a letter saying We have researched your claim and results that this is my charge. So i research myself. They do n't have the account to that was paid with my card. So they ca n't match and assume that the charged is valid because of the company. So I spoke with the Company fraud department again and faxed over the new bill which is then {$330.00}. because it still has n't been paid. It was denied again. I have the bills from the past six months the prove that charge is n't mine and that no payment has been made since the issue has been going on.
Product: Credit card or prepaid card

On XX/XX/XXXX of 2019 about XXXX XXXX I got home from work and I knew my XXXX XXXX bill was due and could not find the bill. So I used the previous months bill to call in a payment. The recording told me that my balance was {$56.00}. I used my debit card to pay the total balance that I owed. I did not think to look at the mail in XXXX because I made no purchases and knew I paid the bill on the date it was due in XXXX. I did look at the mail from XXXX XXXX in XXXX which showed two late fees when I paid the total balance due on the date it was due in XXXX. I called the phone number on the bills and finally got a hold of a customer service rep. The rep said I paid the bill too late in the day on the XXXX of XXXX and because of this when they finally took payment from my bank on the XXXX of XXXX they charged me the {$25.00} late fee in XXXX and another because I did not pay that XXXX late fee. I was furious, and instead of using profanity I told the rep to close my account and hung up. I got a bill today where another late fee was added and am very mad. It would be one thing if I paid the bill after midnight and I knew I was late, but I paid the bill on the XXXX of XXXX, I called them and the automated system did not tell me I was late. So paying the total balance I owed there should be no late fees applied.
Product: Debt collection

Purchase a ring from XXXX XXXX in XXXX XXXX XXXX XXXX, TX they used XXXX to finance. I paid XXXX XXXX {$45.00} biweekly automatic draft thought my XXXX XXXX XXXXXXXX account. I explained to XXXX XXXX XXXX that the account was paid on the 1st call and 2nd call the rep said he would mark as dispute. When I called today to get additional information this person was  rude/disrespectful etc. I ask XXXX XXXX XXXX for the copy of the contract and the original amount. The young lady said that they do not have the original amount or the contract to call XXXX XXXX XXXX XXXX XXXX. She offered me a {$800.00} settlement and I explained to her that I have already paid this account I did not receive a paid in full since they was a automatic draft. This is the ONLY account that I have had with XXXX. 

I Called XXXX XXXX XXXX XXXX XXXX he said that they no longer own the account and did not have a copy of the original contract or amount. He said that XXXX XXXX XXXX purchase the account to call them for the original documents and the amount. afterwards since I cant get anyone to help me I am filing a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, ENHANCED RECOVERY COMPAN add a collection on my credit report per XXXX and XXXX.
Product: Mortgage

We worked on releasing the house back to Welles Fargo, they agreed then we found out the put us in foreclosure