23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

( Federal & Private Loans ) One of My main distress as a Navient loan borrower is that this entity has misled main core accountability, and as well as failed to execute its central part commitment in the servicing of student loans, breaching the Federal consumer financial laws ( Assembly Bill No. 2251 ) as well as the confidence that borrowers positioned in this entity. Most Federal and private loan student borrowers have a right under federal law to hand-craft their/our monthly student loan payment as a share of their income, an arrangement that can offer borrowers extended payment relief, and other significant benefits. Additionally, Navient escorted us as borrowers confront economic destitution that was not short-term or provisional into lavish payment liberation intended for borrowers engagement short-term financial problems, before or instead of affordable long-term repayment options that were more outrageously advantageous to them ( Navient ) to make the most revenue as a for-profit in light of their financial situation. In addition, in essence to Navients beneficial most profit situation on their behalf ; I feel that this entity has the most interest to make the most profit with student loan borrowers as oppose to helping the higher learning individual prosper. Lastly, it is so sad that this Company ( Navient ) is responsible for this action which reflects my fortune of student loan debt. I went from owing $ $ a set amount to an extreme amount of money due to these type of processes. 



XXXX XXXX XXXX.
Product: Debt collection

Hello. I hope you can help me. My wages from my new job are being garnished by Midland Funding, LLC since XX/XX/2019 until now ( XX/XX/2019 ) without any written notice or warning from Midland Funding, LLC. I Literally found out my wages are being garnished by accident after contacting my job 's payroll department on XX/XX/2019. My employer did not even inform me that my wages were being garnished for 2 months, until I contacted them because I receive my pay via direct deposit with no pay stubs mailed to me ( I need to go online for my pay stubs ). They are garnishing my wages {$74.00} weekly since XX/XX/2019. 

I read online that if a debt collection company does not inform the person they are collecting the debt from, that is illegal and violates the Fair Debt Collection Practices ACT. 
Please help me regarding this matter. I am finally struggling already and just started my new job a few months ago? Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, CA XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. XXXX ACCEPTANCE XXXX XXXX, MI XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX : {$26.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday ( XX/XX/2021 ), I sent a letter to Equifax asking for their method of verification concerning a XXXX XXXX Bankruptcy that is being reported on my credit report. 

On Tuesday ( XX/XX/2021, according to the date listed on the report I received back from Equifax ), Equifax stated that they verified this entry through XXXX. 

On Tuesday ( XX/XX/2021 ), I sent Equifax a letter, requesting that this item be disputed. I also included a letter from both XXXX ( stating that the bankruptcy was deleted from my file with them due to not being able to verify such entry ) and the US Bankruptcy Court ( stating that they do not furnish such information to any third-party agency ). 

On Sunday ( XX/XX/2021, according to the date listed on the report I received back from Equifax ), Equifax stated, again, that they verified this entry through XXXX and it will remain on my credit report, even though XXXX themselves no longer have it on file. 

On Saturday ( XX/XX/2021 ), I wrote Equifax a final letter, stating that if the bankruptcy ( which they can not verify once again from XXXX ) is not removed, I will file a complaint with the CFPB, as I am doing now..
Product: Mortgage

I have requested my mortgage company, Stonegate Mortgage, terminate my PMI multiple times as we are below the 78 % LTV that is required. 
Everytime I call, they tell me they will the next month and it does n't happen. 
We hit 78 % LTV in XXXX 2017.
Product: Money transfer, virtual currency, or money service

2022 I purchased {$32.00} n XXXX  for a online game decided on selling XXXX  back to cashapp minutes later once I made the transfer the XXXX  was picked up by Block then it went into XXXX have not been able to retrieve any monies since XXXX All transactions are on my cashapp statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX and Amsher Collection Service requesting in writing debt validation and requesting XXXX remove the account based of of incorrect reporting. My report on XXXX didnt obtain a status change with the account showing as collection and past due which is illegal. I asked for written verification from Amsher Collection Service and nothing was sent to me within the 30 days allowed. Also Amsher Collection Service is not licesed to operate in the state of Ohio.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX  XXXX XXXX Balance Owed : {$2000.00} ; XXXX  XXXX Balance Owed : {$7300.00} ; XXXX  XXXX XXXX Owed : {$3000.00} ; XXXX  XXXX Balance XXXX : {$1700.00} ; XXXX  XXXX Balance Owed XXXX {$3400.00} ; XXXX  XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$210.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as confirmation that the debt associated with Account Number : XXXX XXXX XXXX has been fully resolved. The settlement payment of {$54.00} was completed in accordance with the agreed terms, and the balance is now XXXX. 

Please find the details of the settlement below : Debtor Name : XXXX Original Creditor : CCS Account Number : XXXX XXXX XXXX Settlement Amount : {$54.00} Payment Date : XX/XX/year> This letter also confirms that this account should no longer reflect any outstanding balance and should be reported as Paid in Full or Settled to all relevant credit reporting agencies. 

If you have any further questions, or if additional documentation is required, please do not hesitate to contact me at [ XXXX ] or [ XXXX Thank you for your cooperation. 

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

All 3 credit companies told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer. I was victim of 2 data breaches I have not received any validation from Equifax, XXXX, XXXX they violated FCRA611. I requested that they don't use e-oscar for this and instead verify that they have the contract of my signature onsite for FCRA 609a1a. I challenge that because I never received substantial information such as an original signed consumer contract from none of them. During this time period I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from all 3 agencies per FCRA and FDCPA
Product: Credit card

Each month the card co.charged my account 2 different interest rate : XXXX 36.07 % for general purchases, the other on 12 % for refusing the offer an offer for a transfer..Each month since the offer.Since then on XXXX XXXX paid the account in full.based on what their associates said was necessary to.closed the account..This week on XXXXbilled me by mail..Saying I owed them XXXX for standard purchases.and $ XXXX balence transfer offer. [ Offer I refused.and Paid in full what was requested to close the account. 
They want to charge extra Interest paying in full..and closing the account.After paying off the account.I cut up the credit card.Their associate said this was ok.
Product: Credit card

This is breach of contract I informed the CFO that I, XXXX XXXX, agent on behalf of XXXX XXXX, principal hereby accept all titles, rights, interest and equity owed to XXXX XXXX, principal. 
I advised the CFO of the company to apply the to apply the principals balance to the principals account for each and every billing cycle for set off. I also instructed the CFO, to communicate in writing once instructions are completed. This is instructed to happen within 5 business days. 
I sent my Claim of Credits letter on XX/XX/23 I sent my Opportunity to Cure letter on XX/XX/23 I sent my Default Notice letter on XX/XX/23 With these documents I provided a durable power of attorney as well as references to federal reserve act sections 16 and 29 in addition to copies of multiple endorsed bills relating to the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, applicant, are aware of Ally Financial deceptive and discriminatory practices while operating as a creditor 15 USC 1602 ( g ). I, XXXX XXXX, the applicant, initiated a Consumer Credit Transaction dated on XX/XX/2021 using my Credit Card 15 USC 1602 ( l ) and furthermore, not only did a transaction occur warranting unauthorized use as per 15 USC 1602 ( p ), However, I, XXXX XXXX, applicant, which is myself, never benefited. 
It is clearly and conspicuously Ally Financial have performed deceptive business practices.
Product: Debt collection

As a XXXX XXXX XXXXXXXX individual, I have been relentlessly harassed by Portfolio Recovery Associates , LLC, whose fraudulent and illegal actions have severely damaged my financial, emotional, psychological, and physical well-being. Despite providing irrefutable evidence that the debts they are pursuing resulted from identity theft, including police reports, fraud alerts, and a frozen credit file, Portfolio Recovery Associates , LLC has continued to ignore this evidence and pursue baseless claims. Their aggressive debt collection tactics, has caused my credit score to plummet from XXXX in XXXX of XXXX to the XXXX, leaving me financially vulnerable and unable to access essential financial services such as better rates on services. 
The constant stress of defending myself against these fraudulent claims has only worsened my XXXX and deteriorated my mental and physical health. The emotional toll of this harassment is profound, as their repeated disregard for my rights has left me in a state of emotional and financial devastation. The burden of trying to protect myself from this ongoing assault is overwhelming, and I fear for other vulnerable individuals who may not have the resources or capacity to defend themselves as I have attempted to do. I can not endure this any longer without immediate intervention. These vile baseless attacks have gone on long enough! 
I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate Portfolio Recovery Associates, LLCs unlawful practices, cease all collection efforts, and hold them accountable for their blatant disregard for federal, constitutional, and state laws. The extent of the harm they have caused, both to me and to other vulnerable consumers, justifies the need for swift and decisive action. I can not afford it nor can I tolerate much more undue stress than these predatory debt collectors have already caused.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed in a request to all 3 credit reporting agencies ( XXXX, XXXX and Equifax ) for a copy of my consumer report, consumer credit score, and an Opt-Out. I received a report from XXXX and XXXX, and a score from XXXX, but have not received any report from Equifax or any of the other items I had asked for. 
On XX/XX/year> I mailed a dispute to all 3 credit reporting agencies regarding items on my report that I did not recognize and wanted more information on. 
I did not receive a response to this request. 
On XX/XX/year> I mailed another dispute to all 3 credit reporting agencies again requesting an investigation into items on my report that I did not recognize and again did not receive any response whatsoever.

I am not sure what the credit reporting agencies are doing, but they are definitely not responding to any of my concerns. And I think I read somewhere that the credit reporting agencies are supposed to respond to a dispute in 30 days or something like that but I haven't received a response to some of my concerns for almost 4 months.
Product: Credit reporting or other personal consumer reports

IT IS UNLAWFUL TO REPORT CHILD SUPPORT ON MY CREDIT REPORT AND IT SHOULD BE TAKEN OFF IMMEDIATELY. 
609- FCRA
Product: Mortgage

Being new to Georgia, I sought potential lenders for a mortgage, and went with my agent 's lender. Silverton Mortgage, XXXX XXXX, was the loan originator and Vanderbilt Mortgage is the servicing company. From the onset, we express our desire to lock in at the lowest rate, pay off debt, and be provided the best loan product and advice that Silverton had to offer, as we did with others lenders we sought to go with. We were told by XXXX that she had our best interest at heart, and we were in good hands. When asked to lock in a 3.5 % rate, XXXX told us that she didn't lock her clients rates early because she has several years of experience and she would tell us when we should lock in our rate. We asked for all documents and disclosure, docusign documents, credit rates and scores used to determined our loan, and we have yet to receive them. We were told that our credit report and scores were pulled twice and was told that the updated score was XXXX. Come to find out, our score was only pulled once on XX/XX/2022, so she lied. We were told not to payoff different accounts ; and, yet we were ultimately charged with and {$11000.00} buy interest down fee, and we want it back. Also, XXXX stated in an email that she doesn't keep her clients documents, so she couldn't give us requested documents. We asked for the documents that the underwriters use, and still today, we have not received them. I have communicated with XXXX, from Vanderbilt Mortgage, XXXX XXXX, XXXX XXXX, XXXX XXXX, and left a message for XXXX XXXX of Silverton Mortgage. I have disclosed concerns with XXXX early on in the process. The home was priced at {$440000.00}, and to win the bid, we bided up to {$30000.00} over asking price. We asked that the {$30000.00} be added as an addendum note in closing documents because it was going to be paid outright, and not financed into the loan, or wasn't the price of the home, but XXXX stated that she could not do that. I have different correspondence to support what I'm saying.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company called Equifax is linking the information of another person with mine and I have been calling for a long time, sending papers putting all the evidence in their hands and they do nothing, I can not make a loan I can not do anything
Product: Mortgage

I qualify for mortgage assistance from XXXX XXXX housing authoritiy. They need a XXXX form to submit payments on my behalf and they sent the wrong form initially. They, Amerihome, after a month have still failed to get ne the correct form after I have made several calls and been on hold for at least an hour every time
Product: Credit reporting or other personal consumer reports

My credit over the course of 6 six years has randomly, & continuously altered- points dropped etc.. I have alerted the FTC, & this bureau before.. There are inquiries I did not initiate, nor do I have anything do with I have however received threats in which someone stated my credit was going to be altered.. I am making another report because as you can clearly see by my credit, & the non usage- other than point dropping is correct.. AGAIN if you look over the last 7 years you will see this..
Product: Money transfer, virtual currency, or money service

I have been trying to access my assets with Crypto.com for over a month. I can see the total value of my assets, on their app, but when i click on the " wallet '' to sell or transfer them, it is blank. I have used their chat feature and their customer service email. I have reached out 7 times in the last 30 days. Each time they tell me that they are working on the problem and I never hear back from them. Each time I reach out to them, I have to go through a " verification '' process which is lengthy and ridiculous since I have already done it 3 times so they know that it is me. Plus I have access to my account on the app so there is no reason that I can't access my assets.

I need to access me crypto so that I can sell them to take care of some financial problems that I have. I have already lost out on selling at a higher price. The fact that I can't get the problem fixed so that I can get to me assets is very suspicious. Are they not solvent???
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct COMENITYBANK XXXX BALANCED {$6500.00} XXXXXXXX XXXX XXXX BALANCED {$11000.00} - XXXX XXXX  XXXX BALANCED {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I purchased a truck and camper trailer from John Gibson Auto sales in XXXX AR. My husband was laid off work a few months later and we were unable to make the payments. The truck and camper were repossessed. On XX/XX/XXXX I called John Gibson Auto and asked if they would be willing to settle up our debt with less than full balance and report as such to the credit bureaus. They were willing to work it out with us. The same day I paid the amount we settled on with my debit card over the phone. I received the receipt and letter stating the agreement. I went to our local bank to obtain a loan in XX/XX/XXXX the debt was still showing in our credit. I spoke with John Gibson auto at that time, they agreed to fix the problem. I found it was not correct again on my credit and filled a dispute with XXXX. Again in XX/XX/XXXX we find the same information on our credit report. I reached out to John Gibson Auto again they said the issue had already resolved. XX/XX/XXXX issue is found again on credit report. I have spoke with John Gibson Auto, ( XXXX XXXX ) she said the issue was being resolved. XX/XX/XXXX I received a alert from XXXX XXXX telling me I had a missed payment on my account with XXXX XXXX XXXX which is the finance Co used by John Gibson Auto they are a buy here pay here auto sales. John Gibson and XXXX XXXX are both listed on my credit and only XXXX XXXX on my husbands credit. I spoke with XXXX on XX/XX/XXXX so the issues could be disputed once again. I called John Gibson Auto on XX/XX/XXXX and was told nobody was in the office to take my call I should call back on Monday.
Product: Debt collection

Repeated phone calls for payment method that was sent back by this company saying I now owe a balance. Ive been utilizing this method for many years now this has never happened.
Product: Debt collection

On XX/XX/XXXX, I went to court to change my mind for filing XXXX XXXX bankruptcy. I have sent 4 letters to each one of the creditors explaining the bankruptcy was never filed. I sent XXXX XXXX a letter asking for an update on my credit report and asked them to removed the bankruptcy and sent them the same letters. XXXXXXXX XXXX removed the bankruptcy after looking over letter from the court stating no bankruptcy was filed. I am asking for help to remove this bankruptcy off of my Experian credit report. I have called Experian and sent in proof that their showing inaccurate item on my report about the bankruptcy. I'm asking for help to have it removed for I can get on with my life. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

To begin this incident, I'd like to mention that my CIT savings account originally had a balance of {$22000.00} on XX/XX/year>. 

On XX/XX/XXXX I opened a new savings account with XXXX XXXX ( a subsidiary of XXXX ). I initiated a transfer of {$22000.00}, however due to an error with their mobile app, I did not see a confirmation that this transfer was requested successfully. I subsequently added another transfer of {$22000.00}. Two days later on XXXX the XXXX I received confirmation emails of both transfers. These transfers were initiated from the XXXX XXXX mobile app and pulled from my savings account with CIT Bank. 

On XX/XX/XXXX, I had seen that both transfers were processed and brought my CIT savings acount balance negative : the transfer for {$22000.00} and {$22000.00}. My original balance was {$22000.00} and as a result of the erroneous second transfer, my balance went down to - {$2200.00}. I called XXXX XXXX  for assistance and they mentioned to me that the {$22000.00} transaction will be refunded to my CIT savings account. Wanting to avoid a negative balance / overdraft, I had asked them to stop the {$22000.00} transaction. 

On XX/XX/XXXX, I had seen a return item of {$22000.00} from XXXX XXXX  on my CIT account. However, I was not told that XXXX XXXX  's system would automatically retry the payment. This resulted in another transaction of {$22000.00} on XX/XX/XXXX that appeared on my CIT savings. 

On XX/XX/XXXX, a return item of {$22000.00} was credited back to my CIT savings account. However, due to this auto-retry that XXXX XXXX  had done, this had caused a restriction to be placed on my CIT account XXXX 

On the XXXX XXXX  side, although the {$22000.00} was processed, it did not show up on my XXXX XXXX  account. I was left with a balance of {$0.00} on my XXXX XXXX account and left with a balance of {$0.00} on my CIT savings account. I have been in contact with both banks several times and have both been sent back and forth between CIT / XXXX XXXX. 

The advice I have been given from XXXX XXXX  ( XXXX ) several times was to call CIT and ask to file a dispute in order to receive my original credit of {$22000.00} back. The advice that CIT has told me several times is to contact XXXX XXXX  XXXX XXXX ) in order to get my {$22000.00} funds credited back to CIT. I am getting the run around from both banks.