23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Two years ago Navient placed me on a plan that Id have to renew every six months with step rate payments. I started off paying around {$180.00} a month and most recently my payments were up to {$240.00} per month. The program allows you to slowly work your way back to the full payment amount which is {$330.00} for my student loan. When I extended the lower payment program in XXXX they advised me to call back after my XX/XX/2021 payment if I still needed the assistance, which I do. I called them today XX/XX/2021 around XXXX and initially spoke to an employee named XXXX who asked me the number of people in my household and my salary, after providing it to her she advised there were no options for me. I asked to be transferred and instead I was hung up on. I called back, XXXX answered once again and this time she transferred me to XXXX employee ID XXXX. I went through my financials advised her my salary is {$3600.00} a month, my expenses are right around {$3600.00} a month, and I have a four person household of which two are my dependents. I only provided her my portion of the bills because my husband takes care of anything I can not afford. I advised her that I could still pay the {$240.00} or even a slight increase to {$260.00} but she stated there are no options available to me and its Lender discretion as to whether they provide you options or not, which to me sounds like they are ELECTING to not help me any further. For two years Ive made payments on time and Ive kept my promise. The lender clearly advised the lower payment options would be available until I made my way to the actual payment amount of {$330.00} and based on my calculations I should have at least 2 more years of lower payments available until I reach the full amount. I have ensured payments were made during covid even though all other student loan companies allowed for deferments Navient would not, and now theyre not even willing to assist a borrower who is trying to do the right thing and is asking for assistance. I would like my loan and case reviewed because Ive been faced with a lot of abusive practices from Navient over the years and I havent complained. Ive received threatening calls and emails, impacts to my credit report even when Ive tried to work with them and now Im facing another issue because I cant pay the full amount, my credit will be impacted again even if I remain paying the lower amount. At this juncture I have no options but to file a complaint with the CFPB. They have at minimum violated the following regulations UDAAP, Fair Lending, and FDCPA and I need someone to look further into my case. I thank you for your time and consideration.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a third party which is not true. I have attached my ID and letters to this complaint for your review. 

EXPERIAN XXXX XXXX XXXX Account Number : XXXX {$190000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX {$37000.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$300.00} XXXX XXXX XXXX Account Number : XXXX {$1900.00} XX/XX/XXXX XXXX Account Number : XXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$37000.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$300.00} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Account Number : XXXX {$680.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Account Number : XXXX {$2100.00} XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting two open collection accounts for a debt collection company called XXXX XXXX XXXX. Both of these accounts have been deleted from my credit report by both XXXX XXXX and XXXX. The last payment on the account was 2011 and both accounts exceed the Michigan statute of limitations for collection ( 6 years ) as well as 7 years on a credit report.
Product: Credit card

PenFed The credit card company fails to withdraw funds automatically. The system changes within the company as stated by the agent over the phone suggests internal system issues. However, the company keeps charging delinquent fees to the account even after I make a over the phone payment with the agent. {$25.00} fee charged, automatic payment reversed and now the minimum payment has tripled. 

PenFed continues to not respond to e-mails, not file disputes, does not follow up on promises, does not withdraw funds from automatic payments. 

The internal challenges of poor communication with customers, systems that fail to process payments, and invalid billing/websites are causing a massive burden to me as a consumer. I have to literally manage this account as a full-time job, If I do n't audit the account I find many charges that are without proper information or explanation. The company is only nice when it attempts to collect payments but when it comes to managing customer experience lacks any empathy or understanding. 

It seems like they are happy to lend but unable to manage transactions, provide proper dispute process or work through their internal partnerships with a third party lender XXXX XXXX XXXX.
Product: Student loan

I attended career point college for 17 days. They ultimately shut down. I did not complete one class or receive any credits from this school. I am now harassed by student loans for a loan I did n't even use. It was for over XXXX and over XXXX when when interest will accrue. This is unheard of to me. How do I owe something that was given to a school that shut down and I did n't get a chance to use or benefit from
Product: Credit card

Dear Sir/Madam, I am writing to formally file a complaint against Navy Federal Credit Union regarding a deceptive practice related to my recent credit card application. I received a preapproval offer for a credit card from Navy Federal, and based on this preapproval, I submitted an application on XX/XX/year>. To my surprise and disappointment, my application was later declined and despite having been initially preapproved. 

This outcome is concerning and raises serious questions regarding the transparency and fairness of Navy Federal 's practices. The preapproval offer led me to believe that my application would be automatically accepted, which in turn caused me to proceed with the application process in good faith. To have my application then declined, after receiving a preapproval notification, is both misleading and deceptive. 

I believe this practice undermines consumer trust and violates the principles of clear and honest communication that financial institutions are required to uphold. I was not provided with a satisfactory explanation for the sudden reversal of my approval, nor was I given adequate information regarding the criteria that led to the denial after preapproval. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have been disputed on these dates : XXXX, XXXX for late pays after account closed, comments/remarks incorrect, never got a response for XXXX, XXXX , Experian 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 XXXXXXXX
Product: Mortgage

Shellpoint purchased by loan following XXXX bankruptcy. When the transfer occurred they added my mother back on the account ) XXXX XXXX XXXX ). She was never a signer on the loan. SHe also quit claim deeded her name to the property over 10 years ago when she filed for bankruptcy. Title of the property is in Trust and they appear to not like that. There is nothing they can do about it 15 years later. Technically, leaving my mother on the account would discharge the debt which would be adversarial towards Shellpoint, the new loan servicer.
Product: Mortgage

I have contacted NewRez on SEVERAL occassions to have the PMI removed because I am below 80 % XXXX ratio. They never send me the information I need to have it removed. I have requested the PMI cancellation authorization form be emailed to me because I do not get any mail from them when I put in a request online. The only mail I receive is a letter saying they are behind and will follow up shortly. They NEVER send the form. I have tried calling to speak to someone. I have used the chat feature. They all tell me the same thing. " It will be sent '' and then it NEVER gets sent. If you use the chat feature they end the chat on you before your problem is resolved. I will be seeking legal guidance if I do not get PMI canceled as they are now STEALING from me.
Product: Debt collection

This letter is to formally dispute the debt you are attempting to collect from me. I am writing to inform you that your recent collection efforts have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, your actions have violated the following provisions of the FDCPA : * **12 CFR 1006.34 ( b ) ( 5 ) : ** This section prohibits you from using unfair or unconscionable means of collection, which can include harassing phone calls, misleading statements, or threats of violence. 
* **12 CFR 1006.34 ( c ) ( 4 ) ( i ) : ** This section restricts the false or misleading representations you can make about a debt. 
* **12 CFR 1006.34 ( d ) : ** This section limits the number of times you can contact me regarding the debt. 
* **15 U.S.C. 1681s-2 7 ( A ) : ** This section prohibits harassing, oppressive, or abusive conduct in connection with debt collection. 
**Due to the aforementioned violations, I am requesting that you : ** * Immediately cease all communication attempts regarding this debt. 
* Remove any inaccurate information about this debt from your records. 

I am aware of my rights under the FDCPA and will not hesitate to take legal action if these violations continue.
Product: Credit reporting or other personal consumer reports

EXPERIAN, XXXX XXXX XXXX IS IN VIOLATION OF INVESTIGATING A DISPUTE I requested to be investigated by mail. They claim someone else sent the letter so I am providing proof of identity or the third time. I demand Experian, XXXX and XXXX to investigate the disputes that were submitted by mail. I received a stall letter from your company and demand you continue to investigate my dispute or you will be further in violation. I have submitted all Documents already via mail. I am uploading them again for proof of identity. Please resolve this matter ASAP or a lawsuit will commence immediately
Product: Credit reporting 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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

I started a refinance with Wells Fargo in XX/XX/XXXX. I have been given the run around through this entire process. I was told my closing date was XXXX XXXX, 2016. I have all of my paperwork which states they are incorporating my second loan of {$4500.00} ( which I pay {$360.00} a month which would be eliminated ) and my XXXX mortgage and my refinance payment would be {$2600.00}, with {$4000.00} to borrow at closing at an interest rate of 4.15. I was told nothing could be changed and all was finalized. I was told this was approved by the underwriter. I have all of the emails indicating this. I am told today after all is finalized that now they ca n't do this and they ca n't incorporate the XXXX ( which its not a second its line of equity ). I am told my new payment is {$2700.00} and I will still have to pay my XXXX, with a new interest rate of 4.34! This is completely bad faith and inappropriate. I completely disagreed with the appraisal of my home, I never got a response from anyone above XXXX when asked. XXXX XXXX stated he would look into it and every time I spoke to XXXX the amounts raised until it was finalized last week. I am appalled that I was charged {$400.00} for an appraisal I was finalized with a payment and now I am told all of these items are incorrect and it is not financially sound to proceed with these new terms. No one can provide answers or even explain why the amounts have risen every phone call or why I am being treated this way. 

This refinance has been the utmost disappointing experience I have ever dealt with as a consumer. I can attest that also being in the service industry if my company were to treat someone the way I have been treated, I would be completely appalled. This is the most unprofessional experience I ever had. 

I am asking for what I was originally promised ( see the attached loan aggreement ). I am completely disappointed and feel at this point Wells Fargo is estopped from changing any items as I signed the paperwork and was told it was finalized and had planned so accordingly. 

Please see all of the attached documents, emails, loan aggrement, complaint about the appraisal. I have actually never filed a complaint with any company prior to today as I understand as a consumer that it is a big deal. I hope no one else goes through what I did with Wells Fargo. I have been a loyal customer to them for many years. It 's sad to know that this is where loyalty will get you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have tried on numerous occasion to have this information removed from my credit report , XXXX XXXX office has reach out to XXXX XXXX  to have the item removed on several occasions. I have an email that was sent to XXXX XXXX   requesting that the information be removed and I have a statement from the XXXX XXXX office to attest to the account is XXXX  and a email that was sent on XX/XX/XXXX XXXX XXXX. I called capital accounts to request XXXX XXXX no one there knows who he or she is which I don't believe. When asked if they could call the the doctors office I am told no they do not do that. 
As for Equifax I have several confirmation number and sent the exact documents that I have attached to this file showing that I do not owe this debt and that the XXXX XXXX has email the collection company to have the item removed from my credit report. The last confirmation number dated XX/XX/XXXX XXXX. I have several confirmation number dating back to XXXX. I am in the process of purchasing a home and this negative information is on my credit report. Equifax can call the physician office to verify as well.
Product: Credit reporting 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 : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy : Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Student loan

I first applied for an income-driven repayment plan and received no communication on the status of that plan. I then applied for the SAVE repayment plan months ago and have received no further communication on the status of that application. I completed the one-time payment required to cancel my IBR plan and move to the SAVE plan five weeks ago. Nelnet states they will provide correspondence every 10 days-I have received no further communication on the status of my plan and my payments are set to resume in 2 months.
Product: Debt collection

I received notification that I had a past due debt on my credit report. I called XXXX and the report is from a Collection agency - Online information services. They said it is a debt collection for some company called XXXX XXXX. Ive never opened any account with this company and have not received any correspondence as far as bills, account statements, or any kind of contact. I looked them up online and it says its an energy company in Texas. I do not nor have I ever lived in Texas. It seems someone opened an account there in my name.
Product: Debt collection

I receive multiple daily phone calls from the company, which are followed by 5 to 10 robo calls right afterward, all documented by a scam blocker app through XXXX XXXX
Product: Credit card

XXXX XXXX is managed and administered by TD Bank. I belive that TD Bank is making a credible effort to attempt to withhold information from XXXX XXXX. I believe that TD Bank is doing this by purposely not manning phone lines, aswell as changing the main payment portal that customers used in the past. The portal in question is used to view credit interest rates and remaining balance. Phone calls to TD BankXXXX go unanswered for upwards of two plus hours by design. I belive that these XXXX companies in conjunction could use these tactics to defraud customers out of interest and late fees. I believe that CFPB should open a wide investigation into this matter due to the amount of Americans that could be affected by this issue.
Product: Mortgage

I refinance my mortgage and it has been almost 2 months since my mortgage has been paid in full and Suntruct will not refund the money that was in my escrow account.
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate 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 XXXXXXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to XXXX, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), for the following items within the time set forth by law. 

Capital One Bank Usa XXXX Open Date XX/XX/2017 Capital One Bank Usa XXXX Open Date XX/XX/2017 Balance {$440.00}
Product: Mortgage

CITI MORGAGE lied to me XXXX times on my morgage.They said if I made payments in a modification plan for 6 months, they would cut the payments down to a more reasonable payment since I lost {$2000.00} in income.They did not reduce the payments, in fact they went up on the payments.I filed bankruptcy, but did not put the house payment in the bankruptcy.We tried another modification .The modification was for me to pay {$660.00} down and {$300.00} in lawyer fees.They lied to me again. They went up on the payments. I ended up finally in foreclosure.I tried XXXX more time for a modification.This time they came back saying I did n't have enough income to pay a modification. I though that was why they do modifications. so I let them take back the home.
Product: Checking or savings account

XXXX. Token Overreliance Without Considering Compromise Risk * Wells Fargo repeatedly claims that the digital token and phone number used in the {$1000.00} transaction matched my account. However, this simplistic verification process does not address the potential for XXXX XXXX or device compromise. 
* I provided proof of replacing my phone, just as the very first agent asked me to do, which is a significant indicator of fraud, yet Wells Fargo has failed to address or consider this evidence. 
XXXX. Failure to Investigate Buyer Fraud in the {$70.00} Dispute * Despite providing extensive documentation, including screenshots of XXXX XXXX and text messages confirming the transaction, Wells Fargo entirely ignored this evidence. 
* The buyers acknowledgment of the sale and subsequent blocking of me after the dispute clearly demonstrate fraudulent intent. 
XXXX. Dismissal Without Transparency * XXXX XXXX responses fail to provide a transparent explanation for their decisions. There is no detailed rationale for why my evidence was deemed insufficient. 
* Their reliance on generalized statements about transaction authorization ignores the specific fraud indicators and buyer behavior I submitted. 
XXXX. Procedural Errors and Negligence * Wells Fargo addressed me as " XXXX XXXX '' in earlier correspondence, raising serious doubts about the diligence applied to my case. This error exemplifies their lack of care and attention to detail.