23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Since I have contacted Navient XXXX more times than mentioned in this complaint, it is clear that it has become a waste of time to try to reason with them directly. 

Things had been plodding along with my Navient IDRs until the latter part of XXXX of XXXX, when my job ended. I called their representative on XX/XX/XXXX and asked how I should proceed with recertification. The XXXX told me that I didnt need to send XXXX XXXX  XXXX, that the XXXX would be based on my income at that time ; and that I only needed to send my application with a letter of explanation. I faxed the requested documents on XX/XX/XXXX. ( See attachment ) They also told me at that time that I would not owe anything, and they would place me in forbearance or deferment. I told them that instead, I would pay them XXXX a month until I knew an exact amount. I have done so and am still doing so XXXX. 

I checked in with Navient on XX/XX/XXXX to make sure that they had processed my application from XX/XX/XXXX. They claimed that they never received it. I faxed another application on XX/XX/XXXX. It included a letter of explanation and, at the XXXX ; XXXX request, my XXXX XXXX, since I receive XXXX distributions XXXX about $ XXXX a year. ( See attachment ) Still hearing nothing, I called and was told that I should have sent XXXX XXXX! Not thinking that was possible, I asked my XXXX  holders for their input. Their rep explained that it wasnt possible before XXXX  end, that the loan company was most likely stringing me along. 

By now I was into XXXX of XXXX, with no movement and confusing and conflicting directives from Navient. When I went back to them, I was told that I should send XXXX XXXX, but to include letterhead correspondence from each XXXX  holder XXXX dated XXXX. The XXXX confirmed that they had everything needed to process my application except the above documents. I complied on XX/XX/XXXX by faxing XXXX correspondence and XXXX XXXX from the XXXX  holders XXXX Navient. ( See attachment ) I called in XXXX of XXXX to see where things stood, and was told that they had everything needed to process my app and that I would receive correspondence from Navient confirming my XXXX recertification in a XXXX  of weeks. However, as of XXXX, XXXX, I have received no such correspondence from Navient and they have not processed my XXXX IDR application. 

Though I have paid Navient XXXX every month since XXXX, XXXX, and am still doing so, they have been calling daily since XXXX, XXXX. They say that I am behind on my payments and owe them money. When I tried to explain what was going on to the rep calling me the XXXX  time in this series of harassing calls, she would not let me talk and spoke over me. 

I sent my new XXXX XXXX application by certified mail on XX/XX/XXXX. Tracking ( See attachment ) shows that my application was picked up on XX/XX/XXXX. As of XXXX  date, they have not processed my XXXX application. 

I also did not receive correspondence or a check from Navient for their class action lawsuit settled in XXXX for their past unscrupulous behavior. They need to make this right, also.
Product: Mortgage

XXXX - signed solar contract with XXXX XXXX XXXXXXXX - XXXX XXXX XXXX based on false information and deceptive practices. 
XXXX - contacted Mosaic Solar about a bridge loan in my contract from XXXX XXXX XXXX XXXXXXXX XXXX Mosaic Solar sent loan documents but was never notified it was not a bridge loan as per my contract but a home improvement loan. 
XXXX- received a letter saying I owed {$3300.00} in deferred interest on a loan I wasnt notified existed under my account. 
XXXX - started to receive notifications for my Mosaic Solar loan about my interest rate changing. When I went to my account I only had my one loan I registered. I discovered XXXX that Mosaic Solar registered a home improvement loan to send me notices but never indicated I needed to register it to see it on my account. I was also not looking for this loan as my contact with XXXX XXXX XXXX says it is a bridge loan. 
XXXX - contacted Mosaic Solar and offered to pay the bridge loan in the amount of {$25000.00} and they refused because they wanted the deferred interest because they said I was 3 weeks late. I told them their loan documents do not match my contract and I did not solicit them as a lender, XXXX XXXX XXXX did and suggested they get the deferred interest due to violating the Truth in Lending laws. They put me in for collections because I refused to pay. 
In summary- XXXX XXXXXXXX XXXX made false promises and statements at the time of contract signing. Mosaic Solar did actions for self interest and offered no protection for the borrower. Once again I did not solicit Mosaic Solar. I have negative credit report and even if I wanted to pay the loans, I can not get a HELOC because of the negative report. 
XXXX XXXX XXXX XXXX XXXX lied about the costs and according to Mosaic XXXX had no right to represent their institution on the contract. 
Mosaic Solar has put lien or has the ability to lien on my home because of the home improvement loan that was not in my contract. 
I contacted the AG and even Mosaic Solar said in a written response that XXXX XXXX XXXX XXXX XXXX  does not represent their lending institution. However, it does not address the situation they sent me different loan documents than I requested and did not address it. They secretly registered the loan to send me text notifications and email notifications.
Product: Debt collection

I have been called at least once a day from different phone numbers ( all from different area codes ) all tracing back to mercantile adjustment bureau. They never respond and always hang up XXXX seconds after I answer. I told the original caller that the information was incorrect and that it was in dispute, however they still call repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXX ( Opened : XXXX. XXXX, XXXX, Highest Balance : {$25000.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
FSTPROGRESS Account # XXXX, 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 an 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: Student loan

I believe my loans were illegally consolidated without my consent. I also believe that my loan company did not properly advise me on repayment options.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX use my report without my written consent. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time.
Product: Credit card

XX/XX/XXXX, I called Bank of America to close one of my two BoA credit card accounts. Said yes to long list of disclosures, discussed in detail what and why I was closing the account, was told I would get a refund of annual fee and that the account would be closed. 

Soon afterwards, I got a notice from a vendor saying my ( other ) card was denied. 

I called BoA to find out what happened. Turns out they had closed the wrong card. 

MANY hours of discussion ensued with various agents, including supervisors, about why they couldn't just reopen my card. I was told it would take two business days for the " reopen card '' request to be processed. This means I am left without a credit card for five days ( Saturday-Wednesday ) during holiday season and have notices coming in from many vendors that my card has been denied. 

This is entirely Bank of America 's fault, and they have done nothing to resolve the problem for me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 .S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the resuit of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XXXX. XXXX, XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX under the account number XXXX, a loan account opened at XXXX XXXX XXXX. XXXX, XXXX and XXXX XXXX, XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX AT XXXX XXXX on under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to MoneyLion INCXXXX company for reporting late payments on my consumer report which is illegal and they replied through email and failed to comply and follow the guidelines and federal laws of FCRA. The letter I sent states : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best Regards, XXXX XXXX XXXX
Product: Credit reporting

I am sending you this formal complaint concerning and TU their business practices. This bureau continues to report inaccurate information. I am formally requesting remove this debt from my credit. In the years from XX/XX/XXXX-XX/XX/XXXX my identity was stolen. I discovered this because accounts were opened accounts in my name. I have seen where someone has continued to apply for credit in my name.It is possible that the thieves that committed the fraud. In XX/XX/XXXX I filed a ID Theft Report copies were sent to all XXXX major credit bureaus. I have sent the proper documentation to all XXXX bureaus and the XXXX debt buyers. XXXX DELETED the XXXX Account and then reinserted the account without my knowledge, this as you know is in violation of FCRA15 U.S. Code 1681i
Product: Debt collection

Credence Resource Management, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX added a collections request for a {$2400.00} Debt with XXXX XXXX being the original creditor. 

I called XXXX as I am a customer of theirs but never have used them for XXXX services. They said that they had no record of the debt and could not help me. 

I called XXXX and asked them to provide proof of the debt. They tied the debt to me at an address in another state. I asked to provide proof that it was me and they simply replied that I owed the money and that the debt was in my name. Then they said even if they were to remove the collection that it would quickly return. They offered to negotiate a lower amount. I had this conversation 5 times because they kept transferring me until I got fed up and hung up on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete this fraudulent information from my file. The item I need to be deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX XXXX showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the item as soon as possible. 

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

A few months ago, I decided to look through my credit reports as I am getting ready to buy a home in the next year and when I opened my credit reports, I immediately noticed several accounts in derogatory status and I knew right away my identity was compromised and someone had opened fraudulent accounts under my name and social security number. One of those accounts was a Bank of America credit card showing a balance of {$520.00} closed on XX/XX/2021. Over the last four years, I've only opened two XXXX XXXX credit cards and one XXXX XXXX account along with an auto loan that is now closed. I did not authorize the opening of this account, I was not aware of this credit card, nor did I ever explore a credit card with Bank of America. I tried contacting the credit bureaus and they will not do anything to help remove this from my reports. I asked for wet-ink signature, original contract, payments, transaction history, any and all correspondence sent from Bank of America XXXX I never received emails regarding the credit inquiry on my file ( which was not done by me ). This is violating several FCRA laws and needs to be removed by the credit bureaus with or without the assistance from BOFA. I have asked for multiple pieces of information only to verify the account and never send anything. This clearly violates the FCRA and the FDCPA acts multiple times and needs to be removed from my credit reports immediately. What Bank of America has done is illegal and should be fined for breaking multiple FCRA laws and reporting regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : 01 XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

XXXX, Transworld Systems inc has sent me a debt collection notice for a debt stating I owe XXXX that I do not owe XXXX XXXX. I have spoken with XXXX XXXX and the Customer Service person did not find any such debt. The amount for collections reminded me that the amount asked for is simular to the amount I asked XXXX to help me pay. I was refused XXXX assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 ( A ) Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts 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 balance deposits initially available funds.I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : XXXX XXXX Account 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: Mortgage

Our mortgage was sold to Roundpoint Mortgage company in XXXX 2021. Our property tax and insurance are in an escrow account and should be distributed to the county and insurance company when due. 

Our insurance premium for the year was due on XX/XX/XXXX and Roundpoint should have paid that bill from our Escrow account. On XX/XX/XXXX we received an Expiration/cancellation notice from our Insurance company because they hadn't received payment. At that point I reached out to Roundpoint asking why this hadn't been paid and asked them to get back to us as soon as possible. I've sent several emails to Roundpoint over the last ten days and the only response I'm receiving is an automated reply.

I went ahead and paid the insurance premium directly so we wouldn't have a lapse in coverage on our policy.

Nobody at Roundpoint will get back to me.
Product: Mortgage

A mortgage we are responsible for was sold/ transferred to Fay Loan Servicing for processing. We have paid the full monthly amount billed for our mortgage on-time or early every month for over 9 years ( Originated in XXXX ). Again, we have never been late with a payment.

Fay does an annual escrow review as most companies do... When we are provided the new amount, we automatically apply that amount in our bank account for electronic payment. ( NOTE : I have been advised that Fay does NOT accept electronic payments- so my bank has to print and send a manual check. These checks are drawn against my account typically several days before the end of the month and are due to Fay by the XXXX ). 

Fay repeatedly mis-applies funds against my account. I get a statement from Fay showing the breakdown of the payment against Principal, Interest, Escrow. Yet Fay routinely does not apply the funds according to the statement. They apply monies to escrow whenever they perceive a shortage - and do so without notifying me.

I receive a letter from them ( this year that letter was dated XX/XX/XXXX - but arrived well after that ) - however Fay had, without consent or notice, applied payment to escrow and put the balance of my payment in " suspense '' starting in XXXX, and continuing through XXXX and XXXX. NOTE : The letter I get in XXXX states that I have a new amount to pay to rectify the escrow and provides a start date - no other action necessary. The most recent letter states I will begin to pay that amount for the payment due XX/XX/XXXX. 

However Fay had already altered payments in XXXX and XXXX, applying funds other than as indicated on my monthly statement- this is evident in the transaction history. 

This also triggers account default notices, late payment notices, phone calls and other bothersome communication - all of which is in appropriate because Fay arbitrarily applies my payment however they choose and not in accordance with my statements or the communications they send me. 

I am not certain, however I am concerned that this mis-application of funds may affect the amount of interest that Fay is charging... 

I have had to call Fay several times every month, they put me on hold for over 20 minutes on more than one occasion, each call requires a minimum of 30-45 minutes to resolve issues ( that Fay created ).

I also note that Fay- in my opinion- has some of the worst processing logistics I have ever seen. They have had my check ( from the bank ) hung up in their own mail room on more than one occasion... I have mortgages with multiple service providers and Fay is by far the worst to deal with on multiple fronts.

Fay recordings invite you to provide a brief survey at the end of calls by pressing a number on the keypad. I have likely made about 20 calls to Fay this year and have opted to take the survey every time. I have never been given an opportunity to take their survey ( by staying on the line... ). Another enormous waste of time.
Product: Checking or savings account

PNC will not allow me to access my account via the XXXX investment site