23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient class action lawsuit XXXX v Navient Corp., my loans are eligible and were delinquent for consecutive months due to high risk/complications of a XXXX XXXX. The loans in question originally date back from XXXX. Navient never offered me income repayment plan ; I was offered forbearance. I learned of this later from the ombudsman office this consolidation option. The delinquency has been damaging to my credit for years. I have emailed the CEO for relief ; even worked with XXXX XXXX XXXX for a resolve. No assistance as of yet from this establishment. My next step is Attorney General and FCRA.My loans are not with this establishment any more. At the time XXXX XXXX was my lender and they used unfair tactics to get young borrowers such as myself at the time to get these loans for XXXX. These late payments on my credit score are high jacking my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times myself, as well as via XXXX ( paid service ) and MasterCard credit protection service. Experian will no report my XXXX XXXX card that is closed, that is reported by both XXXX  and XXXX  because the account is in good standing when closed in 2013. XXXX XXXX has been contacted and they have contacted Experian as well. Experian also is quite unprofessional and rude when speaking with them and said if I want me card reported I can enroll in their Experian service that I have had prior and the XXXX XXXX card that was closed in good standing was reported that cost me {$39.00} per month. I believe that is illegal, at minimum amoral. I do have a current XXXX XXXX card that is unrelated that is being reported properly so the two are not confused. This is effecting my credit score negativity by 45 points based on comparing all three credit reports and scores in real time via XXXX. This is within the time limit the are required to report accounts in good standing by statute. Please help as my fiancee and I are looking to apply for a mortgage this spring. Thank you!
Product: Credit card or prepaid card

On XX/XX/XXXX i paid off my account with Citibank and they refused to release my credit limit. I understood a few days would be reasonable but they wanted me to wait almost 2 weeks. I voiced my complaints about how rude they staff was and sent a message in the secure messaging center. In response they completely closed my account in retaliation.
Product: Debt collection

On Monday XX/XX/2019. Navient went as far as to contact a friend of mine and ask where I was and if they would deliver a message to me. This was embarrassing and caused much confusion. They are not to call anyone that they do not have my permission. They also went as far as calling my neighbor!!!!!!!!!!!!!!!!!!!! I asked them to stop over and over. They continue to harass me and hope they will not contact anymore acquaintances.
Product: Student loan

Navient Account # XXXX SSN XXXX I graduated from XXXX in XX/XX/XXXX, upon which my three ( 3 ) Federal Loans were activated. I was currently on an income-driven repayment plan with a total payment of approx {$510.00} per month, increasing over time. In 10 of the 12 months my payments exceeded the amount due, meaning I am paying my loan at a faster rate than the standard 10-year payment plan. <P/>Last week I requested to update my income-driven repayment plan as I switched jobs and took a pay cut. I also currently work abroad in XXXX XXXX, earning XXXX instead of USD. Over the last 2+ years the XXXX to USD exchange rate has been diminishing. <P/>I submitted the IDR Plan Request on XX/XX/XXXX. On XX/XX/XXXX my IDR Plan was approved. My monthly payment INCREASED from {$510.00} to {$890.00}. In XX/XX/XXXX I reported foreign earned income of {$20000.00}. It does not make sense that my monthly payment INCREASED to {$890.00}. This is 47.8 % of my monthly income. <P/>What I suspect happened is that they read my pay stubs ( reported in XXXX ) as USD. Rather than XXXX for example, they may have read it as {$250000.00}? Not sure - but this is the only explanation. <P/>When trying to contact Navient, scheduling a call back is the easiest so I do n't have to spend hours on hold, but they only accept US-based telephone numbers. I am not based in the US and therefore can not use this option. I am currently on the line with Navient ON HOLD. I was quoted a wait time of 10-13 minutes and it has now been 55 minutes. Speaking to them is nearly impossible.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the persistent harassment I have been experiencing from New Rez Mortgage Company. Previously known as Green Tree, they have disregarded my explicit instructions to contact me exclusively in writing, as stated in a letter on file from the time when the company was still Green Tree. 

Despite my repeated requests during phone conversations for them to refrain from calling me, New Rez Mortgage Company continues to ignore my requests and cause me significant stress by persistently contacting me regarding my mortgage. This behavior is in direct violation of the letter in my file, which explicitly states that they should only communicate with me in writing.

I strongly urge New Rez Mortgage Company to thoroughly review my file, where they will find not only the aforementioned letter that they are blatantly violating but also my impeccable payment history. This payment history clearly indicates that my mortgage payments are consistently made on the last working day of each month. 

I trust that the Consumer Financial Protection Bureau will take appropriate action, as you have done in the past, the complaint number for the former complaint is XXXX, in that complaint is where I also provided a letter to the mortgage company to contact me only in writing. I have also paid my mortgage by phone during the first quarter of 2023. When asked by their agent, if they could use my phone number to contact me I said no, they are not to contact me by phone, and if that call is recorded that is further proof that they are in violation of the no contact by phone request and is thus harassment.
Product: Mortgage

Called Citizens Mortgage to request a cancellation of PMI insurance on XX/XX/XXXX for my 30 year FHA loan from XXXX After 30+ min of waiting with an employee that seemed to have very limited knowledge on the subject they then referred to their manager. They then also asked to send my request in writing via email citing all their criteria. 
After sending the email with all the information they requested. I got no reply indicating they received my email. 

On XX/XX/XXXX i got a letter from Citizen Mortgage rejecting cancellation of PMI insurance citing we had to keep PMI for the lifetime of the loan. Even with no missed payments and over XXXX XXXX paid off on the loan. 

My next step was to call citizens again XX/XX/XXXX at XXXX XXXX  mountain daylight time. 
I spoke to an employee named : XXXX. 
I explained the situation to XXXX. He then spoke with management for 5 minutes. When he returned he declined my request to cancel PMI. Again, stating I could not remove it from the loan. 
Next I requested to speak with a supervisor After being on hold for 20 minutes, XXXX told me it would not be possible to speak with a supervisor. 
He then said somebody would call me back in 1-2 days to continue dialogue about the issue. 
He could not give me a exact date or time.
Product: Mortgage

I took out a heloc loan in XX/XX/2022 for {$70000.00}. I knew this was a long term loan and wanted a fixed rate. It was supposed to be fixed as I had done a fixed loan on my own in the past under Suntrust. It was at the time of merger and the bank was in chaos. When I realized the rate was not fixed I began calling in XXXX. Check the logs... multiple calls with no action until XX/XX/2022 when someone tried to help. I was expecting a conversation about the rate and was looking for a rate around 4.11 % when I first started seeking resolution. Instead, someone changed the rate to XXXX? %, then they took my husband off the loan and never notified me of the " new loan ''. I never signed the paperwork, never got an amortization schedule and didn't know what was done until months later. I thought they were still working on it because Truist customer service is the worst I have experienced. After getting a " fixed '' loan that I never signed, I noticed all my payments in some months were going to 100 % interest and nothing to principle. I asked for a rate adjustment and to review my loan payments. This has been going on for XXXX years now and the last person I spoke with ( XXXX ) told me to go ahead and report to the CFPB. XXXX said my credit hasn't been damaged and I can't prove anything. The market XXXX XXXX, that was working on a resolution never called back. I went to the branch and was told he was fired but they knew he was working on it. XXXX in XXXX would never call back or answer emails. The new market XXXX wouldn't call me back. Is it legal to refi a loan without my signature, take my husband off the loan, apply my principle to interest? And never got the lock I was looking for for months. I have filed multiple complaints because no one will respond or call me back.
Product: Consumer Loan

I was in the military from XXXX. While in the military I got an auto loan from Coastal Credit LLC. They sent a complete copy of my contract to My command master chief before I was ever even late on a payment. After this when I was late on a payment they decided to send letters to My commanding officer informing him that my account was past due and giving him all the account details. When I got out and moved back to Michigan my truck was repossesed in the middle of the night and I was told by coastal credit and the repo comany that I could not get my Items back unless I paid off my balance. They then sold my truck which had a XXXX value of {$9000.00} for around {$4000.00}.
Product: Credit card

We bought four XXXX tickets which were fully refundable. Two weeks before our travel we cancelled our ticket because the XXXX airport was not save to travel. The staff was on strike and the airport had long security lines with no staff.People were missing flight and we had a one hour transfer thats why we had to cancel our flight. Our credit card company didnt help us. They denied the dispute and we didnt get the refund although we never traveled and cancelled before the 24 hour time.Please help us. We bought 4 tickets.
Product: Debt collection

On XXXX XXXX, 2015, my coworkers and I were rear ended by another party. I immediately saw a chiropractor XXXX XXXX in XXXX. XXXX XXXX was aware this was an accident and other insurance company was paying for my injuries. During the negotiations, his office was trying to refer to me to an attorney they knew, I declined. XXXX XXXX never told me he was going to send me to collection. The other insurance company paid XXXX XXXX directly. I have had to send his collection company a XXXX paid invoice because XXXX XXXX office would not communicate with them. Now, I get a call from his collection company and spoke with XXXX XXXX there that I owe interest and they would remove the collection from my credit. How can this be if I got a XXXX paid invoice??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting multiple cards that are not mine. Multiple account numbers, with delinquent statuses. 

I have tried to dispute this with the credit reporting agencies, but there has not been any changes. I am hoping that this submission will get me the results that I am expecting. 

I am a XXXX XXXX XXXX XXXX  and I am trying to move forward in life, but theses inaccurate accounts are holding me back. I just want this remove so I no longer experience embarrassment and anguish when looking to apply for a new car/home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/XXXX ) I checked my credit score from XXXX XXXX, I have a XXXX rating from transunion and XXXX. So I wanted to check Experian to see if all three credit companies had the same rating for me. 
Experian had a score of XXXX for me and incorrect information on two closed history accounts that have been removed from XXXX and XXXX. 
I called to file a dispute on a XXXX  XXXX account that was showing a charge off three months past the time it was paid. It was also showing charge off when I was making monthly payments every month since XX/XX/XXXX. This account was paid off on XX/XX/XXXX. 
The person I talked to was trying to persuade me to not file a dispute, I insisted but do not know for sure if they went through with it. 
The second account was the same. A XXXX account that was paid off on XX/XX/XXXX. 
Their records show that it was still in arrears XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would like for these accounts to be removed from my credit report. 
This is egregious behavior for a credit reporting agency to miss these very important facts that determine the paths of peoples lives.
Product: Debt collection

The company, IC System is trying to collect for a pet health plan that I nop longer want yet they keep renewing. I am not interested, as I explained to XXXX XXXX XXXX in keeping this plan, yet they continue to : '' auto-renew '' it. When they would not stop billing me or harassing me on teh phone, I changed my credit card number to stop teh fraudulent charges yet they continued and have now placed this with a collection agency damaging my credit.
Product: Vehicle loan or lease

GoldCar lending came and repossession my car and there were no late payments on the car and I had just paid the car note XXXX XXXX and XX/XX/year> they came and got the car. I called to get the car back and was told the car was no longer available they had sold it. The Balance {$5600.00} is what I would have had left to pay if I still had the car. This not a legit car dealership it's a local mom and pops dealership that sale used cars.
Product: Credit reporting or other personal consumer reports

Im reaching out to ask for help with an identity theft issue Ive been trying to resolve. An account with XXXX XXXX ( account number : XXXX XXXX XXXX ) was opened in my name on XX/XX/year>, but I never authorized any transactions on this account, nor do I even know what was bought. 

Despite my attempts to get this resolved with XXXX ( XXXX XXXX XXXX  ) and Experian, I continue to be told that the account is verified as mine. Ive even provided evidence to a debt collection agency that is harassing me about this debt, but I am still being pursued for something that is not my responsibility. 

I am asking for your help in getting this account closed and removed from my credit report. Ive tried everything on my own, and Im getting nowhere. The stress of this situation, especially with the collection harassment, is overwhelming, and I just want this issue resolved. 

Thank you for your time and assistance. I would greatly appreciate your help in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX Account Number : XXXX XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiryXXXX XXXX XXXX XXXX XXXXXXXX XXXX  Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX
Product: Mortgage

I want to file a complaint against Cross Country Mortgage, which is denying my right to have specific reasons in writing why my mortgage application was rejected, including the information that the underwriter did not consider my second source of income, which made me ineligible for the amount that I applied for it. 
Cross Country Mortgage asked the sellers for an extension date on my current Purchasing Contract until XX/XX/2020. However, the mortgage company did not have my file ready on that day. 
The same office requested me to pay off {$7800.00} in debts on XX/XX/2020, only five ( 5 ) days before the closing date as a condition to be approved. However, when I informed Mr. XXXX XXXX that I did not have the resources to pay that debt, he informed me that there was no anything else to do regarding my case. I sent an email requesting to Cross Country Mortgage the document stating that my loan would not be approved because the underwriter did not consider my second source of income, which directly affected my debt-to-income ratio. 
In response to an email sent to Cross Country Mortgage on XX/XX/XXXX requesting my document Mr. XXXX XXXX, Non- Originating Branch Manager responded that the company " is in the business to close loans not deny them ''. 

I believe that any company is in the business to approve deals and have profit, however in this case if my application can not be approved it is my right to have a letter stating the reasons. 
According to the information received from the Mortgage Lender the reason was that the underwriter did not accept my second income, and that should be included in the " Denial Letter ''. 
I was extremely diligent working with this company proving documents, pay stubs, letters, replying to emails, and doing everything to meet the contract dispositions and the deadline. As a consumer, I can not be penalized for losing my escrow money, since my Purchasing Contract is contingent on the approval of this loan. 
On XX/XX/XXXX Cross Country Mortgage documents such as all my assets to close " the deal '' and proof that I paid the debits they requested. They knew I would make a complaint to the appropriate agencies, so they are trying to " cover-up '' things that have been done wrong. Seems to me that they did not read all my emails saying that I don't have the resources to pay those debts in full right now, which again was a complete change made by Cross Country Mortgage on its criteria since they pre-approved me. 
I am under the impression that this company is not acting in a good faith doing business and this is unacceptable.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I bought a NetSpend Prepaid card lost it before opening it they would not assist me in refunding my money already put on the card
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including bankruptcies. These items are not mine. Please remove them from my report. 

XXXX XXXX XXXX  XXXX {$320.00} XXXX   XXXX {$1800.00} XXXX XXXX XXXX {$3800.00} XXXX  XXXX XXXX  XXXX {$16000.00} XXXX XXXX {$0.00} XXXX  XXXX {$33000.00} XXXX XXXXXXXX {$1200.00} XXXX  XXXX {$610.00} XXXX XXXX {$460.00} XXXX  XXXX {$6800.00} XXXX XXXX {$700.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISCHARGED XXXX {$0.00}
Product: Credit card or prepaid card

I got this promotional letter in my mail from Bank of America for a credit card. It says that I am already pre-approved and then a great 0 % APR for 9 months and cash back bonus. Based on that I applied for a credit card and my application is denied.

1 ) If I was not pre-approved - why Bank of America that I am approved already?

2 ) Moreover I already have Bank of America credit card and credit score of more than XXXX so why my application denied? 
3 ) If Bank of America has to deny my application - why they sent me targetted offer like and screwed up my credit score by denying it?