23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have tried no less than 3 times to setup autopay.. get the confirmation of request but each month the billing statement comes I am not enrolled in autopay and my amount due shows less and not the full amount of My agreement. Multiple months now I am missing out on the autopay interest rate reduction and reps on the phone have been of no assistance.
Product: Mortgage

I was trying to refinancing my home since 1 year ago because the interest is too high % 5.75 is killing me, The refinance institutions have been rejecting me and I did not know why. I recently learned that it was because my lender, Specialized loan Services is reporting my payments incorrectly and irresponsibly. This has been costing me thousands of dollars because the interest is extremely high and outrageous.

My main concerns also include that my loan was sold to, apparently 2 different banks without my knowledge, and somehow my payments were lost in the process. I have no track record of almost {$60000.00} of payments that I have made. According to specialized services, they can not report new accounts for 90 days. If this is true, I understand but at some point that money has to go somewhere. They are saying that they have no record of this, but I have proof of payments. 

I also recently learned today, XX/XX/XXXX that my loan was sold to a company named XXXX in XXXX. I had absolutely no knowledge of this. I feel that they are taking advantage of the situation and it is affecting me in the sense that I can not refinance. I keep getting rejected, and it seems that this is the reason. 

Because of them, I have been spending thousands of dollars on pure interest because of incorrect reporting. This is not fair to me in any way, especially during and economic crisis. I need this resolved now and I need to know where all of money has been applied to. If they can not show me this in detail, I need my money back because that would be theft. 

thank you.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the invalid late payments listed on my credit report and request their removal in accordance with U.S. Codes 15-1681, 15-1666b, and 15-6802.

U.S. Code 15-1681 mandates that credit reporting agencies maintain accurate and fair reporting. Any unverifiable or incorrect information must be removed.

U.S. Code 15-1666b ( Fair Credit Billing Act ) requires creditors to investigate billing disputes before reporting to credit agencies. My disputed payments should not have been reported.

U.S. Code 15-6802 protects consumers ' financial privacy, ensuring that personal information is not shared inaccurately. 

The reported late payments are invalid and negatively affecting my credit. The FCRA allows me 30 days to rectify payments, and I request the account be updated to reflect " PAANL Paid As Agreed, Never Late. '' Please take immediate action to remove these inaccuracies and update my account. I can be reached at the contact information provided for further discussion. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I spoke with national credit ajust and explained to them, I made a settlement with the original creditor which is " southern management '' and I have the proof. Southern management and I settled for XXXX. Before we settled it was on my credit but after we settled the credit bureau took it off my account ( when I provided proof of the settlement ) XXXX XXXX  then submitted a collection for the very exact apartments ( XXXX  ) so now those apartments are back on my record. I have kids and it's not right for them to submit false information, That's considered fraud, and it's going to deprive me of my freedom to live where I want, it's depriving me of 14th amendment Due process. It's not fair I make the settlement with the original creditor, which I have the bank charge proof, the document from southern management of our settlement and documents from them confirming what I owed and it gets taken off my record and then national credit duplicates the collection on the same apartment. The date I made the settlement with the original creditor for cadence apartments was XX/XX/year>. I believe XX/XX/year> is when national credit put the same apartments back on my record requesting collection
Product: Student loan

I submitted a Reconsideration count for XXXX because I had had previous forbearances and deferments that would qualify for the limited waiver. It was granted and I was told that my servicer had to wait for the Education Department to send them the changes or I could send in another Employer Certification. I did and there were no changes. If they count them, I would be qualified for Forgiveness before repayment begins again. I am attaching the documents I previously submitted that they disregarded. It will show that I was on Forbearance/Deferments for the for the XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX
Product: Debt collection

On XX/XX/30, I attempted to resolve a debt, {$7400.00}, with National Credit System. When I called, they stated that the calls were recorded, quite clearly. I spoke to a gentleman who said his name was XXXX XXXX. He stated that my debt was {$7400.00}. I then asked if we could compromise for an amount of {$6500.00} and make payments. He refused. He said it would have to be a lump sum payment. I told him that we do not have that type of money. This is a refusal. 
He then offered {$4500.00} if it were a lump sum. I again, because he is so special, told him that we do not have that kind of money laying around. 
Then Mr. XXXX stated that even if I make payments to them that it does not get reported to the credit beaureaus at all unless its paid in full. Then Mr. XXXX stated that my " Rental Bureau '' report would not show anything of payments unless its paid in full. This is false statements and economic terrorism. 
XXXX  shows payment history on their site for this particular debt, as does the other bureaus- XXXX  , XXXX  . This company shows no payments being made for each and every single month since the debt was placed with this company. Economic destruction threats. Statements made by Mr. XXXX. 
This company is allowing their employees to coerce and make false and misleading statements to consumers. According to their own intake call messages, all calls are recorded. I attempted to negotiate in good faith. I explained that I could file bankruptcy instead of making an offer. He was not swayed and refused to work with me in any tangible way. 
The complaint against this company is that the person, I believe used a false name as it was, made false statements and representations in a bad faith attempt at collecting a debt. 
I made a {$20.00} payment to see if I even get a receipt to prove payment. Still have not gotten a receipt, at all, to which Mr. XXXX stated would be received. 

Then this company first shows a {$11.00} fee, a " convenience '' fee, to pay by debit card. Then when you run the card, it charges you {$4.00}. Why am I being charged for running a card even? 

In closing, this company and its representatives are fraudulent in their statements and can not be trusted to follow the laws as outlined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX  to remove.this old 12yr .account They say they did .but the red late marks still exist.

The problem.is that the student loan put me.in forbarence and mamy times. Once.a.whole.year So at that time I was told I didnt have to pay But the loan company continued to hold me to the payments and add all these unnecessary fees When I first got the loan I was a child XXXX years old poor, living in the projects with my mom The school persuaded me to get this loan. When I didnt even know what a loan was. It was for {$7000.00}. Now over 30yrs later its about {$14000.00}. I want all thoes fees dropped and all the money I ever paid to be applied to my original {$7000.00}. The Loan company which is no longer in existance still has derogatory late fee marks on my credit. If the governor dont go back to the original amount from XX/XX/1977, I am going to stop paying all together and then they will get none of the money back I dont care if it goes to 100,000. I OWN NOTHING for them to take anyway. I am getting ready to retire and enough is enough. I have rights too And by.law the loan company dont have a right to put stuff on my credit report without my permission. As of now I am suppose to be in forbarenced but if I stop paying they report it on my credit report as late or not paid as they have done in the past. Yhe old companies lied and swindled me and other students. Much of what was paid by me and other students was never even applied or recorded and still marked as late which is why they went out of business I want 1The residue of any red or negative remarks remove from my credit from past years and 2. My.loan returned to the original amount and all that Ive paid applied to that amount.

3. Any of my rights the Loan company has not abided by to be honored.

Ive been working in the XXXX  XXXX  for over 10 yrs. XXXX XXXX and XXXX  XXXX. I applied for Forgiveness and no response returned. Please help thanks. If you need more info please email me at XXXX or XXXX and in the subject put. For Ms XXXX consumer help. Thanks for listening. 

Please publish without my email address .thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX-Date Opened XX/XX/XXXX Amount {$540.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX Amount {$23.00}, XXXX -This account is over 7 years old and I would like it removed because it defies the statute of limitations. 

XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XX/XX/XXXX Amount $ XXXXThis account is over 7 years old and I would like it removed because it defies the statute of limitations XXXX XXXX XXXX XX/XX/XXXX Amount {$75.00}
Product: Money transfer, virtual currency, or money service

I was selling furniture on XXXX XXXX, XX/XX/scrub>XX/XX/2024, when I thought this person was buying the furniture. He sent me an electronic check on XX/XX/2024 to my personal email ( which I did give him ) for {$1600.00}, then I used my Chase bank app to deposit the check that same night. The check was cleared by my bank on XX/XX/2024, so I thought the transaction was legitimate. So he asked me to pay for the movers for him, since he had given me more money than I was selling the furniture for, which was {$1100.00}. He gave me the moving companys information to send the payment using XXXX. After investigating the check, it was a fraudulent check after all. I called Chase bank immediately to inform them. I had asked about my XXXX transaction to the moving company, the company does not exist. My bank does not help with fraudulent XXXX transactions, so Im at a loss for {$500.00}. The bank is also threatening to close or restrict my bank account. I have been with Chase bank over 15 years, and have multiple accounts. Ive never come across this before, and of course have Never knowingly tried to deposit a fraudulent check. That is why I called the bank the very same day it was cleared to inform them of the situation. Of course, the fraudulent amount of {$1600.00} has been deducted from my account, and so has the scam XXXX transaction of {$500.00}. The response from the Chase representative, the fraud claims department will investigate, if it is a fraudulent check, the amount will be deducted. You will also be reprimanded for this action. Your account will be restricted OR closed immediately. You will receive a letter informing you of their decision. We do not assist with fraudulent XXXX transactions. We can not refund or reimburse you for the money. Once the transaction is received by the other party, there is nothing we can do to further assist you. Yes, I did report this profile to XXXX about the scam. 
Is there anyone that can help me, please?!
Product: Money transfer, virtual currency, or money service

For almost 6 days been trying to get XXXX money from VA TREASURY thru my credit karma account ive allways had and they refuse to acknowledge any funds in the accound and that my trace ID # is too long over 15 digits and no info on my old account and why it isnt in the new account or why i cant get an answer from using my trace id to loacate funds
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX transferred XXXX but here I only received XXXX in my checking account, XXXX less hidden plus a fee of XXXX, in addition XXXX had already charged me USD XXXX for the transfer.
Product: Credit card or prepaid card

Last year I purchased an item through a Jared Store Credit Card, provided by Comenity Bank. The item was purchased on a plan stating no interest if paid in full within 12 months. The end date of the plan was XX/XX/XXXX. I had automatic payments of {$300.00} applied to the account on the XXXX of every month for the course of the year. My XXXX statement ( attached ) indicated that I had until XX/XX/XXXX to pay the remaining {$1400.00} on the account or the accrued interest would be applied. To avoid this I issued a payment of {$1500.00} on XX/XX/XXXX, thinking that this would satisfy the terms. On XX/XX/XXXX I was charged {$1100.00} in accrued interest for the promotional plan. 

When I called the bank to resolve the issue I was told a variety of things ( ex. I can't be helped because it was too far from the end of the promotional plan, I had to call customer service in order to pay that balance off, that the {$1500.00} applied to the minimum due first so the terms were not met ). The XXXX statement simply indicated that I needed to pay {$1500.00} by XX/XX/XXXX, which I did. I had no indication that the terms were not met until XX/XX/XXXX when I logged into the account and saw the interest charge applied. 

Please let me know if you need any additional information from me. Thank you for your assistance.
Product: Prepaid card

On XX/XX/XXXX I used my XXXX Prepaid XXXX to rent a car from XXXX XXXX XXXX in XXXX, XXXX XXXX. On that day, a pending transaction in the amount of {$960.00} was put on my card without any warning. The car was returned the next day and payment was deducted from the same card. 

I have spoken twice with XXXX Prepaid, and they requested that documentation supporting the release of the transaction be sent to XXXXXXXXXXXX. 

XXXX has sent the requested documentation yet I received word today that the documentation was unacceptable. XXXX has said that it has done all it can and that it is now down to me to resolve this issue with PayPal/Netspend. 

I am a retired XXXX trying to live in XXXX XXXX on a fixed income. As of this morning I have a little over {$11.00} for groceries to last until I receive my next social security payment on XX/XX/XXXX. Having nearly {$1000.00} held back from me for two weeks is a nightmare.
Product: Mortgage

Dear, CFPB In two consecutive months after sending the my payment on the first of the month for a due date of the XXXX of the month. The Bank hold on to the check and cash it the after the grace period and charge me a {$30.00} fee. When trying to make a payment over the phone ( XX/XX/XXXX ) the instructed me to go to their website and authorize and external account. 
I made such phone on call on XX/XX/XXXX, them they asked me to wait until the deposit micro-transactions on my account, I got the micro deposits on XX/XX/XXXX, I called today XX/XX/XXXX and told me they still can't take my payment -for up to 4 more days- because the system can not take my verification yet. On XX/XX/XXXX and XX/XX/XXXX I had to take time off at work to be in the phone for about XXXX, I was transferred to XXXX different people today until a representative told me they can't take my payment yet. 
This is a blatant delaying technique in order to harvest late fees. 


Thanks.
Product: Student loan

On frequent occasions the Navient website has not accurately posted my payments. I took screen shots throughout XXXX to show how within the same billing month the payment due amount jumped all over the place despite me submitting payments of the entire amount due each time I logged in. Attached are screenshots of the revolving amount due within a few days of each other despite me processing payments to the entire amount due. Not only that but their website makes critical decision making information obscure to access. They have embedded loan details and other factors about the promissary conditions impossible to track down. There have also been floating " Late fees '' posting to my account. These fees should not apply because I currently have Income Based Repayment at {$0.00}. A phone customer service person told me those were just late fees and would not affect my account but could not ensure anyway that they would not be reflected on my overall balance. Recently I was about to make a change to my account to move some of my balances to a consolidation to ensure that they would be eligible for REPAYE. I asked the customer service person what fees or expenses I might incur from this move. They listed that I needed to make a minimum payment of {$5.00} for that month and that I would need to pay the interest for that month. After asking if that was all the expenses I would incur she insisted yes until I asked if any interest would be capitalized on my account. She then indicated that it would, because I asked but it was obvious that she was trying to obscure that information as well. I believe they have done this on a few other occasions and it has caused me to rack up over {$20000.00} of capitalized interest that could have otherwise been prevented. Their website is unethical in how it fails to provide detailed and accurate information about my loans and payments. Most of the time their customer service members are digging for answers about why things are occurring on my account as opposed to having access to clear and truthful facts about my loans. They are intentionally obscuring critical decision making information about my loans. In no way are these tools proper for loan management and are causing my loans to inflate to larger amounts as opposed to assist me in paying them down. I believe I was not given proper information to choose the proper Income Based Repayment plan reflective of my circumstances and that has also added over {$72000.00} to my overall amount owed. Their loan servicing is unreliable, inaccurate and unethical.
Product: Mortgage

I placed a call to Freedom Mortgage 2 weeks ago in regards to my escrow analysis. Freedom has incorrect tax line amounts ( XXXX County ) they are projecting for XXXX which caused my payment to increase {$400.00} per month. I provided them a copy of my tax bill as requested showing my XXXX taxes were XXXX per installment not XXXX per installment. They confirmed they would update the tax lines and process an updated escrow analysis effective XX/XX/XXXX in 7 days. Well, today was day 14 and I called them only to find out nothing was fixed or even submitted. The rep told me she would submit the request and it would take another 7 days to have it fix! And then they would request another analysis to adjust the payment. Freedom is collecting extra money that is not needed if they just simply update the tax lines with the correct information. I expect them to update the lines and fix my payment amount due XX/XX/XXXX. Worse customer service I have ever received.
Product: Money transfer, virtual currency, or money service

I had just started my XXXX  year of college and my new friends and I wanted to see a XXXX XXXX concert. Tickets were sold out on XXXX and a friend had told me that she had had really good experiences buying tickets on XXXX. I messaged a few people and one got back to me. I purchased four tickets for {$160.00}, with PayPal fees it amounted to {$160.00} on XX/XX/2019 to XXXX. Shortly after I sent the money, the person selling me the tickets deleted their XXXX account and I was no longer able to message them. I filed a complaint with PayPal outlining the exact altercations and reasons why I would need my money back, but they refused. They claimed that my story was not believable. The tickets that I received were counterfeit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On XX/XX/XXXX I entered the Cares Act Covid-19 Hardship program with my Mortgage company Freedom Mortgage on XX/XX/XXXX they told me it was time to start the exit process and resume payments they also told me that the VA had approved me for a partial claim to secure the outstanding balance. I filled out the paperwork they sent me and then I got a call saying they incorrectly filed it with the wrong maturity date on the paperwork i filed and had notarized. I was in contact with them over the next several months seeing if they were going to resend the the paperwork and what date would I have to prepare to start making payments they said i was still under hardship protection and as soon as they heard back from the VA they would re-send the paperwork then about a month ago I started getting calls from people who wanted to buy my house. I contacted the Mortgage company and they told me that I shouldn't be getting those calls because I was still in the reviewing process and because it was there error on my paperwork I wasn't in danger of foreclosure and I should prepare to resume payments on XX/XX/XXXX. Then I received a letter to accelerate the the lien on my home. Now my house is set for sale on XX/XX/XXXX. I spoke with the VA and they have no record of them even filing a partial claim on for my home or any claims at all in their system. The mortgage company is engaging in dual tracking to foreclose on my home and the VA says they have no record of them uploading any documents or filing any claim in their system.