23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

All of my student loans have been consolidated with Navient as of XX/XX/2017. I have never missed a payment or went into forbearance and even pay extra towards the principal of the loans in order to pay them off quickly. My problem is how they handle my over-payment. My goal is to simply apply my extra payment to the smallest loan to pay that off quickly. Their website allows this to happen yet this never happens. Any extra amount I attempt to pay towards the smallest loan is ignored and spread across all loans, allowing Navient to make the most out of interest and barely making a dent in my loans.

This misallocation of funds must stop!

I have contacted the company to fix the issue on their website and they have had to go back into my account to move any extra payment into the smallest loan. I should not have to call every month to have them move funds correctly as directed on their website. This is a pain and back practice.
Product: Debt collection

I am not liable for this debt with XXXX XXXX and I do not have a contract with NATIONAL RECOVERY AGEN plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$3000.00}
Product: Student loan

I was told that I needed to take out a private loan while attending XXXX college in XX/XX/XXXX-XXXX. The financial aid department was n't clear about the interest rate and the whole time I attended heald I was told false information, such as job placement. They did not care about the students, if I was late on a XXXX payment they would not give me access to login onto the computer until I payed, which would affect my academics if I did n't pay on time. They would even pull me out off class to let me know I need to make a payment, This was humiliating for me.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  - XXXX - XX/XX/XXXX - {$3500.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$11000.00} XXXX  - XXXX - XX/XX/XXXX - {$8900.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$850.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2900.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I saw interest charge {$10.00} on my credit card at XX/XX/15. I don't quite understand why it occurs in my account as the autopay was enabled to pay full statement balance every month. The customer service is unable to do the refund.
Product: Payday loan, title loan, or personal loan

I opened up an account with Grain Technologies, an online line of credit provided by an app. I was awarded {$1000.00} and the amount was deposited to my checking account. This also reports to my credit report. I wanted to log in and payoff this balance and close my account. When I logged into the app, it said It needed to verify me, and requested I upload a copy of my drivers license. It then says verification can take up to 5 days. That was XXXX weeks ago. I have attempted to call the Grain Technologies customer support phone number, which does not have a live person or voicemail option. It is nothing more than a pre recorded sales pitch. I then sent XXXX emails over the past week. Each provides an auto reply that said I would hear from someone within 24 hours. That has not happened in either case.

I am demanding that a member of Grain contact me within 24 hours, provide me with a pay to payoff this account and close it.
Product: Checking or savings account

I received a direct deposit of approximately {$1900.00} on XX/XX/XXXX. This deposit has been removed from my Wells Fargo account without my knowledge or permission. 

Wells Fargo can not tell me why this has occurred or when it will be resolved. They have also stated that they are not sure if they will be able to refund any overdraft fees that occurs as a result of them taking my money.
Product: Payday loan, title loan, personal loan, or advance loan

Remove Affirm accounts from credit report. Affirm account opened fraudulently, not opened by me
Product: Credit card

Creditor appears to be appending charges to my bill not tied to any realized spending activity. There are no associated ledger records of the transactions either
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to login into my account ( s ) to get credit reports & dispute not known accounts via XXXX, Transunion, & XXXX and each one is " unable to complete my request '' online
Product: Credit reporting or other personal consumer reports

this information is not mines!! my identity was stolen.
Product: Money transfers

I made a wire transfer through Citibank to XXXX in the amount of {$18000.00} in order to purchase a land in XXXX on XXXX. It took almost 1 month and the fund was never received by the beneficiary. I got answers that the transfer takes up to 5 day,10 days, and 20 days ... every time I called. Citibank is supposed to contact me if there is anything wrong but they never did and instead, I contacted Citibank almost every week since the transfer was made. Citibank promised me that I will get full refund and fee if the transfer is not made. So the last time that I called them was on XXXX. XXXX, XX/XX/2015 and I was told that the fund was returned because the account number that I provided was not correct. I also contacted the bank in XXXX to check all information and all information is correct including the account number. I would like to get my full refund and the processing fee as they promised since my time has been wasted and I will not trust them again. The problem is that Citibank told me that they will refund me with the current rate and without the fee which means I will lose money. This does n't make sense at all! Citibank kept telling me different answers and changing their minds which is not right. I highly doubt that if they ever transferred the fund. I ca n't pay for this because I provided correct information. In addition, I could always modify the information if there is anything wrong. I really need my full refund because Citibank failed to transfer my money. I 'm providing information regarding to this issue below. 
Source Account : XXXX ( Checking ) US Dollar Amount : $ XXXX : XXXX XXXX XXXX Account : XXXX : XXXX XXXX XXXX XXXX : XXXX Number : XXXXCitibank Reference Number : XXXXTrace Number : XXXX up by : XXXX XXXX XXXX XXXX XXXX XXXX My name has been changed to XXXX XXXX and XXXX XXXX XXXX my previous name
Product: Credit reporting or other personal consumer reports

Equifqx and XXXX are both reporting illegally. XXXX XXXX XXXX is not my account but has been fraudulently added to my collections and derogatory marks. Resulting in illegal defaming and damage to my report and score. 
Consumer laws and FCRA 15 usc 1681 are to be affective immediately.

I ask for removal immediately or legal action will occur
Product: Credit card or prepaid card

I hired somebody to fix my credit and they were disputing inaccurate infos on my report and  XXXX  disputed everything that 's on my report including a secured card I had through First progress bank for  XXXX  $ which I opened  XXXX /2016 I made the initial  XXXX  $ deposit from my checking account. While investigating the dispute first progress closed my secured card and I called to verify myself and let them know I was n't disputing the account to not close my credit card or reopen it they declined and I reverted for them to return my  XXXX  $ deposit and i have been getting the run around everyday for the past month with them passing me back and forth department on hold for 4hrs and still stalling from refunding me my deposit and they even added extra fees to my account
Product: Credit reporting

I opened up an investigation with ChexSystems regarding XXXX XXXX XXXX. They opened the investigation, and I was told they had up to XXXX days to respond. The credit union did not respond in time, and the item was deleted from the file. I received a letter from ChexSystems stating that the source has certified that reported item is accurate, therefore the it has been reinserted into my consumer file. I contacted ChexSystems and they informed me that the financial institution has XXXX days to submit certification. They never told me that information when the initial investigation was started. As a consumer I should have been advised of an accurate time frame. The credit union had XXXX days by law to verify the accuracy of the information that was being disputed. They failed to do so in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the improper use of my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated. 

Section 607 ( a ) of the FCRA states that " whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' I have reason to believe that the information contained in my credit report is inaccurate, and I request that it be investigated and corrected immediately.

Furthermore, Section 611 of the FCRA requires that " any person who knowingly and wilfully obtains a consumer report under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. '' I believe that my credit report was obtained without my consent or authorization, and I request that the individual or entity responsible be held accountable for their actions. Additionally, I had identity theft due to XXXX XXXX XXXX I request that you take immediate action to investigate this matter and provide me with a copy of my credit report as soon as possible. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

For over 10 years, I've worked as a XXXX in XXXX and for the XXXX XXXX. I have dedicated my XXXX career to XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX. I've been diligent about making my student loan payments in a timely manner and following all of the Public Service Loan Forgiveness ( PSLF ) rules and procedures. I've spent endless hours on the phone with lenders and servicers trying to fix their mistakes. 

In XX/XX/2020, I was notified by Fed Loan Servicing that I had made 120 qualifying payments and could apply for forgiveness, which I did immediately. My application has been pending for over six weeks. So, I called Fed Loan Servicing today. I was told that the process could take up to six months, and only then will my application be forwarded to the U.S. Department of Education for the second step. The process is painfully slow. 

There is no good reason that the confirmation of eligible payments should take so long. Fed Loan Servicing has been verifying my employment and payments all along, and notified me that I was eligible. The company is obstructing public servants from taking advantage of the PSLF program. Meanwhile, financial records, including credit reports, show that I have a huge amount of educational debt. Additionally, I must continue to endure the stress and anxiety associated with having no faith in the system working properly or fairly.
Product: Vehicle loan or lease

This company has the incorrect amount that I owe on my credit report and statement. They have billed me for fees that are not in the contract that I signed. They did not apply my payments properly and are rude when I call them about it. They shout and make comments to me about my payment history. I told them that I was only calling about my bill and not about their opinion. i told them that my experience with them have been horrible and I would not recommend this company to anyone.
Product: Debt collection

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX- [ ] I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX  XXXX   for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX  XXXX  emailed that they would send me a check so that I could pay off the car to the lender ( XXXX XXXX ). Some weeks went by and when I contacted XXXX XXXX  they said that they paid XXXX to XXXX XXXX  in XX/XX/2020 instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/2020 I contacted Gap  ( XXXX XXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender XXXX XXXX. They confirmed that they had received the XXXX check in XX/XX/2020 and I let them know that XXXX  said they would pay the remaining balance of the {$400.00}. It may have been a little more. However XXXX XXXX  put a charge off on my account at the end of XX/XX/2020. They were given XXXX in XXXX. When I spoke to a manager at XXXX XXXX  in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX  XXXX  and XXXX XXXX to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/2020 and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done
Product: Credit reporting or other personal consumer reports

I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions.

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated. 

XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Conns Home plus issued me personal loan for appliances. I make payments weekly. I called in to request statements for my loan to show not only payment history but, how my weekly payments are being applied ( interest and principle ). I was told that due to the accounting rule 78 and having the type of loan I have ( verified it is an interest-bearing loan ) they are unable to provide a breakdown of how my payments are being applied. I have never had a loan where a statement is not supplied. I was told that I have a 0 % APR at the time of purchase in store but told over the phone that I have a 29 % APR. This now brings UDAAP into question. I am seeking the assistance of the CFPB to obtain statements showing how my payments are being applied, and what my actual interest rate is. Detailed payment history is not provided online nor upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Services XXXX, A part of XXXX gave a report to a lender I was trying to obtain a loan from. Due to the information in the report my loan was denied. When I tried to get a copy of the report and my score this company stated they couldn't verify my identity. I have an account with XXXX and pay monthly for my 3 credit reports. I was told by the representative because XXXX is a subsidiary company under XXXX they do not share information. I would have to send a copy of my social security card and driver 's license either by mail or fax. This is unreasonable and risky if the mail does not reach it's destination. I can't believe a company like this has no problem sending my report to a lender if requested, but I was the consumer can't get a copy without taking extra steps. I asked to speak with a XXXX but was told they can forward a message and get back to me within XXXX hours. There are steps that can be taken to verify people, like asking information only the consumer would know. My personal information has been compromised in the past and I would like to know if anything is on this report that is fraudulent or inaccurate. When I asked about putting a freeze on the report they stated they can't do that until I'm verified. Please help!
Product: Payday loan

When I applied for the loan the account that I used was closed prior to receiving money. My account was hacked while paying bills online. I gave them a copy of the account to show I never received the money. I pulled my XXXX report and seen this was on my reported information.
Product: Credit card or prepaid card

The card is with Synchrony Bank ( XXXX XXXX ) for car repairs. I applied when I had a costly car repair bill in XXXX. I've been paying it down and the company actually closed my account so I couldn't use it anymore for car repairs. Their claim was I didn't make payments on time ; however, I disputed this but then thought it was best to pay it off get rid of the card as I didn't have good experiences with customer service and online reviews of other consumers claimed questionable practices. 

On XX/XX/XXXX, I signed on and saw that my balance was {$160.00} so I chose to pay it off and get rid of the card. I received a confirmation email after I made the payment. 

On XX/XX/XXXX, I get an email from Synchrony saying my next payment is on XX/XX/XXXX. {$4.00}. First, they closed the account so how can additional money be charged to it? I tried to get in touch with customer service to no avail and the chat option did not work either as it's set up for automated responses. 

Further investigation shows they added interest to the account a day AFTER I paid the balance on XX/XX/XXXX. Please see attached documents. 


My information is below : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Phone : XXXX Email : XXXX XXXX
Product: Checking or savings account

I deposited a XXXXXXXX check  sent to me by a supporter and friend in early XXXX. After XXXX  weeks, the check still had not been cashed, but the bank would not give me back the check to take to another financial institution. They said they could hold it for 90 days and there was nothing I could do about it. Nothing. It has now been far beyond the 90 days and no check and no deposit. No word at all from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a previous complaint about an account XXXX XXXX XXXX XXXX XXXX in which after further investigation of the account the company sent out a letter to all three credit bureaus requesting the DELETION of ALL RAITINGS SUBMITTED by XXXX XXXX XXXX XXXX as of XX/XX/2021 but Experian has refused to removed the account. Every time I call I am treated with DISRESPECT and told that they ( Experian Staff ) " Dont Have To Do Anything '' and then even more negative remarks appear on the account with Experian Staff continuing to tell me that the Data Furnisher ( XXXX XXXX XXXX XXXX ) has been contacted and the account has been verified properly updated on XX/XX/2021 and XXXX XXXX. How is that possible????? I am in constant contact with the Data Furnisher and I know it is not true because XXXX and XXXX properly investigated the account and HAS REMOVED IT FROM MY CREDIT REPORT as of XX/XX/2021. I have had enough with the EGREGIOUS Actions that Experian Has Taken Against me. This is Discrimination!!!!! Every time I call I get bad remarks on A account that should have been Deleted Per the Data Furnisher 's Request???? As of today their are 30 Negative marks plus on this account.

Today I am up loading a copy of the CREDIT DELETION LETTER along with a copy of my ID and the information that is shown on my Credit Report from Experian who again is purposely keeping INACCURATE INFORMATION on my credit report which is hindering the proper Credit Score that I deserve.