23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Request for Refund : NAVIENT STUDENT LOAN # XXXX. 
Violation of US Bankruptcy Court Discharge OrdeXXXX # XXXX. 

In XX/XX/XXXX, XXXX XXXX applied to Sallie Mae for a student loan which was granted. 
XX/XX/XXXX, XXXX XXXX filed for bankruptcy protection in the XXXX XXXX XXXX Ohio [ Petition Number XXXX ]. naming Sallie Mae/ Navient as a creditor with a balance owed in the amount of XXXX XXXX, XXXX XXXX and XXXX ( {$41000.00} ) XXXX XXXX XXXX XXXX. 

XXXX XXXX /Navient was served notice of the bankruptcy proceedings [ as a certified unsecured creditor ]. 

XX/XX/XXXX, the bankruptcy was discharged. 
Bankruptcy Court records indicated that Sallie Mae/Navient received a total distribution of XXXX XXXX XXXX XXXXXXXX ( {$160.00} ) XXXX XXXX XXXX XXXX 

Sallie Mae/Navient continues to bill XXXX XXXX and collect principal and interest through the current date of [ XX/XX/XXXX ] XX/XX/XXXX. 

The Second Circuit Court of Appeals [ New York ] [ Case # XXXX, [ XXXX ] filed XX/XX/XXXX ] upheld U.S. Bankruptcy Judge XXXX XXXX refusal to dismiss the lawsuit against student loan servicer Navient Solution LLC for violating the courts prior order discharging a borrowers loan after bankruptcy. 
The court ordered that Sallie Mae/Navient student loans whose borrowers had filed and received a bankruptcy discharge after XXXX, and who had listed Sallie Mae /Navient as creditors XXXX Loans must be discharged as stated in the bankruptcy order. 

XXXX XXXX filed for bankruptcy protection in XXXX and listed Sallie Mae/Navient as a creditor owning a total of {$41000.00}. 

XX/XX/XXXX, the U.S Bankruptcy Court of XXXX Ohio granted and discharged the petition. 

Although Navient/Sallie Mae received a portion of the distribution from the Trustee, as a final settlement, Navient continues to bill XXXX XXXX for Principal and Interest. 

The 2nd, Circuit [ NY ] stated that in the decision, penned by Circuit Judge XXXX XXXX and joined by Judges XXXX XXXX and XXXX XXXX, the court agreed with the bankruptcy courts finding that the language of the " educational benefit '' provision is an unconventional way to discuss a loan. The court said that if Congress intended to protect all educational loans from discharge, it would not have done so in such stilted terms. 

Therefore, XXXX XXXX is requesting a full refund of the total amount of {$41.00}, XXXX that was owed on XX/XX/XXXX, the time of his bankruptcy discharge. 

A response is required within Twenty ( 20 ) days of this date. 

Respectfully Requested and Submitted. 

XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Office ) XXXX ( direct )
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT TRANSACTION, NO PROOF OF MY INVOLVEMENT, REPEATEDLY DEMANDED THIS BE REMOVED FROM RECORD, STILL CONTINUING TO REPORT IN VIOLATION OF FCRA GUIDELINES. USING MY CREDIT REPORT AS A MECHANISM TO COERCE PAYMENT ON A FRAUDULENT TRANSACTION.
Product: Credit reporting or other personal consumer reports

Reporting information on a consumer 's credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them the place such information on my consumer report. Because my privacy rights have been violated, I am demanding the company block and remove the accounts from my consumer report not later than 4 business days after such information that I have provided. Inquiries : XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting

On XXXX XXXX, 2016 I checked my credit report on XXXX XXXX and had a total of 24 hard inquires removed from my credit report. I checked my account again on XXXX XXXX, 2016 and all 24 hard inquires were placed back on my account without sending me a reinsertion letter as required by FRCA section 611. I have been calling Transunion ever since and received no help. No one will transfer me, no one will connect me to an American representative, or the fraud department. Multiple agents have been belligerent, some have told me that they know what happened but its basically too bad and I should simply file a complaint because they will not fix it.
Product: Credit card

I hired XXXX over the phone, I waited til Tuesday because that was XXXX day they said I can get an am delivery. ... they called me at XXXX and told me dumpster would be there soon and got me to sign contract over the phone ... .. I called at XXXX XXXX and I was told dumpster would not be there untill XXXX XXXX ... .. I had to hire different dumpster company. ... XXXX is charging XXXX dollars for cancelation fee ... .. XXXX different people lied to me knowing the truck was n't coming to get me to sign contract ... ... I just needed a XXXX, I had XXXX men I was paying that were just waiting .... when I told XXXX at XXXX XXXX I was gon na cancel there XXXX dollar fee on my credit card he laughed at me. .... I was scammed
Product: Mortgage

I applied for a Loan Modification that was approved. I had no idea how much the actual modifciation was for, however was told I had to make XXXX ( XXXX ) payments in order to get the full details. I made the payments then they sent a modification that was incorrect, had incorrect math by nearly XXXX and I could not qualify for the payment as it was more than double my earlier payment, They withdrew the modification advising they were investigating the math, and the overall XXXX  and principle amount and appraisal of the property. However they received the appraisal and it was XXXX under the amount of the modification. While I was waiting on the corrected modification I have been still making payments of nearly XXXX per month that I can not afford of qualify to pay. Then they transferred the servicer to a new servicer. I have requested a copy of the modification that is signed by the prior servicer, notarized and recorded. They do not have one and have said it was never signed as it was to be changed, yet no one will change it. I have been paying on a modification of a loan that is over XXXX, on a house only worth XXXX. The math is totally wrong and they have been collecting my payments and applying them to a loan that has never been ratified. NO one is helping me and I have provided over XXXX pages of back up. Yet I missed a payment and they called me ASAP for payment arrangement. Everyone refuses to talk to me and when they do they say its under review. Its been going on over a year now. I do not know what to do. Im very scared and worried
Product: Mortgage

To avoid foreclosure XX/XX/XXXX Caliber Home Loans offered us a loan modification contract in which we had to pay 3 monthly trial payments of a certain amount, on time every month. We made our payments on time and the modification never happened. They sent us another agreement and another and another over the course of a year. When we went to make our payment for XX/XX/XXXX, the person on the phone said that the home had been foreclosed on and sold on XX/XX/XXXX. We had been led to believe that we were making monthly payments and working towards a modification when in reality CaliberHome Loans did what is known as " dual tracking '' and sold our home out from under us with no notification, no monthly statements breaking down our payments, no copies of the contract we signed, and no effort to make the modification we had been promised happen.
Product: Checking or savings account

I deposited a check from XXXX to the checking account I had with BMO Harris Bank. After a few days, the balance reflected that the check had been deposited into my account, so I transferred some funds out of that account. Then, after a few days, when I logged into my BMO account, I noticed that the check was returned and my account balance went to negative because of that. And I was charged a " returned check fee ''. I suddenly transferred some funds into that account to avoid the balance being negative. After the funds got settled, my checking account was closed by BMO Harris Bank. I called them to return the fee that they charged and the customer service representative said that due to my account got closed, it's difficult for them to see the transaction history, but she promised me that they will contact me about returning the " returned check fee '' in the next 72 hours. However, I have never heard back from them so far. 

Firstly, it's XXXXXXXX XXXX decision to issue me a new check and void the check I deposited into my checking account with BMO Harris Bank. Secondly, why BMO Harris Bank allowed me to transfer the funds out even if the funds were not fully settled? I wouldn't know the check would be returned. Thirdly, BMO closed my account without any proper or prior notification and I have no access to my statements and transaction history any more. And BMO failed to resolve the fee issue.
Product: Credit card

We submitted our payment to the Wal-Mart store in XXXX, XXXX. The check was returned and we were asked to send the check to Wal-Mart XXXX XXXX in XXXX, XXXX We complied. Wal-Mart cashed our check but did not credit our account. We called and later faxed copies of the canceled check and our bank statement. They refused to credit our account, saying they never received payment or cashed the check. We provided them with the Source of Receipt Document from the Federal Reserve Bank, showing the check was processed in XXXX. Walmart XXXX XXXX refuses to credit our account.
Product: Credit reporting or other personal consumer reports

I looked at my report and on XX/XX/2023 I sent a letter to experian, XXXX  and XXXX XXXX to reinvestigate my accounts. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse item 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 has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX of NCB Management continues to call family members of the person who supposedly owes a debt that he is trying to collect. He has called more than once after he was told he has the wrong number and not to call again.
Product: Vehicle loan or lease

In XXXX, we moved back to XXXX. During that time I was locked out of the app to make a payment and it got over looked between the holidays and the struggle of moving. As soon as I realized, in XXXX, I called Harley and caught up all late payments via the telephone. They are reporting the Harley as a repo, however it was never repoed and is now current on payments.
Product: Debt collection

AES/PHEEA is reporting to XXXX, XXXX, and XXXX a debt that was paid in full. 
The company is reporting XXXX, XXXX, and XXXX dates of last activity XXXX and XXXX. I have contacted this company via telephone. The company states they do not understand why XXXX, XXXX, and XXXX are reporting the outdated date. The only thing they can persist is XXXX XXXX continues to report. 

The debt last date of activity XXXX and XXXX which is well over the Federal Regulations for reporting status of seven years on my credit reports. These amounts effect my debt to income ratio.
Product: Checking or savings account

I am a Capital One customer. I did not know Capital One was have technical issues until Friday morning. I usually get paid on Thursdays but didn't realize it didn't hit. I never got any communication from Capital One stating these issues. I had to research and also try to call ( Got hung up on ) many times. I have a car note through capital one and its now late. I have other bills which are now late and have received late charges. I want a credit on my account because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion on Tuesday XX/XX/2021 starting at XXXX XXXX XXXX  regarding unauthorized inquires that have appeared on my credit file through the last 2 years ( XXXX ). Each representative that I spoke with and the supervisor XXXX XXXX XXXX were unwilling to help me.
Product: Mortgage

I am in Chapter XXXX and asked for a payment history for my mortgage from my bank and they wo n't do it unless my attorney sends a letter.
Product: Vehicle loan or lease

XX/XX/2022 bmw took three payments from my checking account. They say they only Took one. My bank sent them a charge back for two of them. BMW sent me a letter saying my bank denied my payment. Even tho they took three payments.
Product: Credit card

I received a credit card that I never applied to, which was issued by Comenity Capital Bank.

I called to the customer service at the bank and explained her this situation and requested to cancel the card.

However, she asked my several personal information in order to verify me.

I informed my name, address and the last four digit of my social. 
I guess this information may be enough to verify me. However she continuously asked my date of birth. So I refused it because I am so much worry about leaking my personal information because the credit card was issued and the customer service center asked me so detailed personal information. I stopped talking and requesting to cancel my card again. 

Recently, I also received a credit card issued, which was linked to XXXX XXXX. I also called to the bank and requested to cancel it. It was not complicated and was not asked much delicated personal information.
Product: Debt collection

In Early XX/XX/2020 Simons Agency placed a collection account on my XXXX  report. ( Exhibit A ) Simons agency is claiming I owed {$170.00}. I never received documentation Or calls from Simons agency validating this debt and was provided no information on services rendered. They are in violation of the the FCRA. On XX/XX/XXXX after speaking with the collection agency, I called XXXX XXXX XXXX and they said I had a balance of {$190.00} which I promptly paid to them. ( Exhibit B ). I never paid anything to Simons Agency. There also appears to be a discrepancy between what XXXX  claims I owe and what Simons agency reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : The XXXX  XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : Dept of Ed/XXXX  # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

Navient services my Federal student loans. I was enrolled in an Income-Based Repayment Plan XX/XX/XXXX. I realized something was wrong when my payment amount increased dramatically XX/XX/XXXX. I called Navient and was told that I did not complete required annual recertification to maintain lower payments. I told them I never received notification through email, mail, or otherwise that this was required, when it was required, and what the consequences would be if it was not done on time. It was only when I logged into my Navient account and checked the Correspondence section that I saw they had sent an overdue notice regarding the need to recertify. I do not fully understand the penalty except that I believe a whole year of payments were basically wiped out. I did not submit a complaint because I did not fully understand everything and was assured that notice had been sent. My student loans are about {$60000.00}, so a year of interest or whatever the penalty was is enormous. Please help me understand what I can do to make Navient own up to their inadequate notification and correct this problem. And by the way, I have never missed a payment or been late on a payment even when my payment unexpectedly increased more than 100 % from one month to the next. Thank you for your help, and I hope by submitting a complaint a year later that it does not diminish any chance of correcting this problem. Thank you very much. 
Sincerely, XXXX XXXX
Product: Credit card

I've consistently made sure payments on this account are made on time, never allowing them to become overdue. I'm uncertain about the reasons behind the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Checking or savings account

My direct deposit was not credited to my account on Wednesday. Thursday morning, Capitalone still had not informed customers on what happened. I tried to call customer service but the wait time was too long. I work throughout the day, so I do not have the time to wait. Thursday afternoon, I still have not received my paycheck. The inconvenience of a large bank to not provide customers with their money or transparency on the issue is detrimental. I still have some money in other accounts but what about the people that were depending on having their money on time. We are already living in an economy where everything is high. This is unacceptable!!
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXX Balance : {$990.00}
Product: Student loan

I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and NAVIENT with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2014.
Product: Mortgage

After 13 years of good standing with Bank of Oklahoma, they sold my mortgage after signing me up for " 3 months deferment with no fees to be tracked to the end of my loan due to COVID ''. 
Before that 3 months was up, they sold my loan to Freedom Mortgage. This was 2 years ago. Freedom Mortgage has yet to send me a bill with a monthly payment and due date. I call them at least once a month every single month. After 2 years they FINALLY sent me a packet and I signed and had it notarized and sent it back within the deadline given. To this day they still say they didn't get it even when provided with who signed for it and when, as well as the tracking number. Their negligence has caused them to add an additional 10 years to my mortgage. Today I get a package asking me if I want to save my home and asking for financial documents they got long ago and more than once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a duplicate tradeline item for the balance of {$4100.00} on the XXXX XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) This duplicate entry is harming my credit score and is a violation of the Fair Credit Report Act. Please delete this trade line item from my credit report.
Product: Credit reporting

I have repeatedly notified Equifax that they have a duplicate account ( XXXX XXXX Credit Card ) listed on my credit report. The account numbers, date opened and balance are all the same. I have disputed this incorrect information more times than I can count. I have also disputed several other items that were incorrect but Equifax does not take the necessary steps to remove these items. This companies negligience is going to cost me my career. They are never held accountable for their mistakes and the consumer is the one that suffers. Is Equifax going to feed, clothe and provide my XXXX month old son 's need when their horrible reporting system is inaccurate and out of date and eventually costs me my security clearance and job? No. Of all things I have disputed I have never received anything regarding how they " verified '' these negative entries as I requested. This is because they do n't verufy anything. This is merely a ploy to make XXXX of dollars off consumers by peddling there so called " products ''. No one holds these people accountable and they dont care that the inaccuricies negatively impact many peoples lives. They also report inaccurate low credit scores using the incorrect and fraudelent activity that they report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX after dispute for re-aging of account, XXXX XXXX XXXX # XXXX are allowing the re-aging of this account to continue.The date of 1st delinquency on Experian is XX/XX/XXXX.on XXXX and XXXX  IT IS XX/XX/XXXX.The ORIGINAL creditor is XXXX XXXX XXXX XXXX who provided ambulance service on XX/XX/XXXX, on XXXX.The date of service for the charge and the dates of first delinquency are two years apart.The Fair Credit Reporting Act requires accurate, clear and complete reporting.Multiple disputes with the bureaus are quickly " verified '' falsely.The tool of re-aging is a damaging and illegal tool not permitted with statutory damages attached for collector and bureau.I 'm entitled to accurate reporting by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX we had an apartment at XXXX XXXX in XXXX, WA with a roommate. That roommate quit his job and became unable to pay his portion of the bills. We were evicted. 

On XXXX XXXX, XXXX, XXXX XXXX XXXX ( aka XXXX XXXX ), XXXX XXXX filed for and received a judgment in the amount of {$2500.00}. 

On XX/XX/XXXX, A Writ of Garnishment was then issued in favor of XXXX XXXX XXXX, XXXX XXXX, and assigned to XXXX XXXX XXXX, XXXX. 

That Garnishment was served on one of our employers. That Garnishment was paid in full through the Continuing Lien on Earnings. 

XXXX XXXX has continually and fraudulently reported on our credit reports that we still owe over {$8000.00}. We disputed those reports. XXXX removed them ... for a few months. They then RE-reported on our credit reports that we still owe over {$8000.00}. We have disputed it again. 

We have attempted numerous times to contact them to get this resolved. No phone calls are returned. 

If we had actually owed the amount they are claiming, a Judge would have issued a Judgment and Writ of Garnishment for that amount. However, the Judge issued them in the correct amount of {$2500.00}. That amount has been paid. 

Please note as well that XXXX XXXX is under investigation for fraud.