23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In 2020 I negotiated to pay off my daughters student loan with NAVIENT. I was the designated cosigner, and my daughter was behind in her payments. I wanted to put an end to the issue and so reached out to NAVIENT to negotiate a settlement for loan close out. We talked about loan close out options, I explained that I wanted to settle the loan in full and did not want to simply drop the cosigner. Eventually we agreed on a final closure price. NAVENT would not send written documentation and refused to send contract negotiation info, they said they needed to be paid first. I said I would not move forward unless I got a letter from them stating the terms and that they agreed to close out the account, as loan to be settled and marked Paid in Full, for the agreed to settlement value. On XX/XX/2020, I received a letter from NAVIENT agreeing to these terms that said they agreed to settle for 66 % of loan value. This amount would be {$17000.00}. It said that after I completed the full payments they would consider the loan settled in full and would stop all further collection actions. '' They verbally explained that payment could be done over a 6 month period of time. I completed all payment in 4 months. They agreed I had met my obligation and said they would process the loan for closure. It is now 7 months later and they have not processed the loan for closure, in fact they have changed the rules and assigned the full loan value minus the settlement, to my daughters responsibility and they still have me listed as cosigner for remaining balance too? I realized this situation just very recently when checking my other daughters student loans. So I called them on these tactics and they first claimed the settlement was not for loan payoff, but was to remove cosigner. I protested. Both my daughters and I had separate verbal discussions which are completely opposite to their claims. The letter they sent is opposite of their claims of a cosigner settlement. They are not returning my phone calls, now ; I want to pursue formal complaint and lawsuit.
Product: Student loan

I applied for direct debit in mid-March of 2015 for a private student loan serviced by Navient ( originated with XXXX XXXX ). I was given to understand that it could take a few billing cycles for the automatic debit to kick in, so I made a manual payment for XXXX. When I noticed that the XXXX payment had not been automatically debited, I called the private arm of Navient on XXXX XXXX and asked why no XXXX payment had been debited but my " amount due '' shown on the Navient website was at {$0.00}. I was told that it was taking a little longer than normal to activate direct debit and that my account had been put into an automatic forbearance. I was told that this would not affect any credit or reporting, but that interest would continue to accrue on the unpaid balance ( including that payment that was n't made-without my knowledge- in XXXX ). I was assured by the customer service representative that my next payment would be automatically debited as scheduled on XXXX XXXX. As of XXXX XXXX, no payment has been debited. I made a manual payment on XXXX XXXX, even though the website still says my amount due is {$0.00}.
Product: Credit reporting or other personal consumer reports

information about traffic tickets from 2018 doesnt go away
Product: Mortgage

Looking to refinance investment property with Green Tree Lending Service and submitted personal information almost a month ago. The company took all loan information from my partner and myself and has not responded back to any of our call concerning the process. We are told that if another loan agent take over he/she would have to conduct another credit check and basically start the process all over which would not be good for our credit scores. We both have good credit and have been owning the property for a number of years. XXXX XXXX agent : XXXX XXXX, phone XXXX Ex XXXX
Product: Debt collection

Hello, Thanks for helping on this matter. 
I bought a phone from XXXX XXXX XXXX and I was told to returned back the phone within 2 weeks if I dont like the service. I returned this phones back in the space of XXXX because the service was bad. They took the phone back from me and offer to mail me a check for the taxes charged on the phone. They never mailed me the check and to my surprise I found out they report a total of XXXX  on my credit. Im so shock to see how bad they hurt my credit even though I didnt have the phone in my possession. Please kindly help me on this matter. I have starved to pay my credit card bills and I was sad to see XXXX XXXX XXXX trying to hurt my credit with this FALSE claims. I dont have their phone or use their service or owe this sum of XXXX   Please help me!! 
Thanks
Product: Debt collection

MIDLAND CREDIT MANAGEMENT , INC. are attempting to sue me for a debt. The company has used unfair, and unconscionable means to collect or attempt to collect debts. The company did not present the original contract. Pursuant to 15 USC 1692 ( I ) ( b ) : Authorization of actions : nothing in this sub chapter shall be construed to authorize the bringing of legal actions by debt collectors. 

This debt collector has placed derogatory items on my consumer credit report and participated in identity theft regarding my information. I have never given this company direct consent to obtain any of my information. 

The company had its attorneys reach out to me in which no remedy was given. Pursuant to 15 USC 1692 ( e ) ( 3 ), attorneys are of false representation. However, my instruction for remedy was not completed properly. Both companies have violated the TILA, FDCPA and FCRA. I would like remedy and this matter to be resolved immediately.
Product: Credit card or prepaid card

I have a American Express serve card that XXXX XXXX gave to me and they closed my account for no reason given they told to write a letter I just want my money I have over XXXX dollars in there
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX had me sign papers for the purchase of a truck & XXXX  as a co-borrower. I never gave my consent or had any knowledge this was on the paperwork until the payment was not made in XXXX. My name is associated with XXXX XXXX XXXX XXXX which is a trucking company. XXXX XXXX who is the owner made all these arrangements with XXXX XXXX & told me all I had to do was sign for the company because he had already signed. Which I found out after the fact, he had signed nothing. 
I contacted Chrysler Capital & let them know I would not be responsible for these accounts & had never agreed to be a co-borrower. They told me file a dispute with all 3 credit bureaus who contacted Chrysler Capital who in turn, stated that these accounts did belong to me so they were not removed from my credit file. On XX/XX/XXXX, I called XXXX XXXX XXXX & spoke with the finance manager & told him I wanted my name removed from these loans but he stated that he could nothing for me until he spoke with his GM. He stated he would call me back but I have neve received a return call. One account is {$35000.00} for a jeep & the truck is {$54000.00}, I do not have either vehicle. If I known up front that I was going to be a co- borrower, the transactions would have never taken place.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I was perusing auto refinance offers. While looking, I received several email and text notifications that my credit had been pulled. I never received notification that my credit would be pulled and I did not authorize a hard pull. I immediately called XXXX to report the fraud, and XXXX identified the company as Flagship Credit Acceptance, based in XXXX, Texas, but said there was nothing they could do to reverse or stop the pull. I have never heard of Flagship Credit Acceptance, and I did not authorize any credit check from them. Since XX/XX/XXXX, I have called multiple times to address this with Flagship, but they do not answer their phone. The company I was perusing on XX/XX/year>, XXXX, said they have no record of me filing an application or authorizing a hard pull of my credit.

I have since received a rejection letter from Flagship, but, again, I did not authorize Flagship to pull my credit or review an application for refinance.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Was not XXXX XXXX obligated to protest card holder for hackers inside their company and from hackers that used their company to hack peoples accounts? 
Someone using XXXX XXXX hacked into my bank and took {$300000.00} a few years ago. XXXX DID pay it back BUT did not stop them from hacking and taking funds from my XXXX and XXXX credit cards to the amount of over {$40000.00}! This funds ent to a fake XXXX credit card account! 

XXXX XXXX NEEDS to stop letting hacker work for them!!! 
They owe me over {$40000.00} plus the amount that the hackers took from my XXXX Credit cards. Plus damaged that they did to me of {$50000.00}. 

In XX/XX/XXXX/XX/XX/XXXX I became XXXX  and sent a claim into XXXX XXXX to have my payment paid by the payment protection plan that ALL card holder had pay for> I was told I did not have that coverage that I was paying for as required by them ( federal court ruling XX/XX/XXXX ) I can canceled both cards and started to pay them off at {$100.00} to {$300.00} per month. About four years ago someone at XXXX XXXX or through them took {$3000.00} from MY bank! They did send me a blank check for no more then # 3,000.00! But when the hacked into my bank the got my other credit cards and started transferring money ot of them to a fake XXXX card account! Before I caught them and pt a stop to it the took over {>= $1,000,000}! XXXX XXXX has been ordered by several federal court to stop setting up fake accounts in class action law suites! 

I can not get credit with the only credit card the did not ler XXXX XXXX steal from ME!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered the monthly monitoring from Equifax. This service includes daily updates and credit reports. I went to upload a new report since the last one was weeks ago and I am checking on an unverified item. The report would not load and I received this : We're sorry. We were unable to complete your entire order. Please carefully review the order status below to see which products were not able to be delivered. You will not be charged for the undelivered products. 

We are unable to complete your order at this time. Please contact our Customer Care department at XXXX ( XXXX ) 7 days a week between the hours of XXXX - XXXX Eastern Time Zone for immediate assistance. Please record the following information and have it available when you call : Eval Code : - Status Code : FL, Reason Code : IC_PE_FL I called and was on the phone of over 90 minutes. They were unsure of how to fix this issue. They said they would send it to the escalation department and I would be notified via email in 7-10 days. Well, the time has passed. No notificaiton. I also tried to upload the report via XXXX and XXXX NO EQUIFAX REPORT! I am paying for this service and can not obtain a product. I can not spend 90 minutes on the phone with someone who does not know what is going on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX added a late payment onto my credit report. Privacy Act of 1974 states The No Disclosure without Consent Rule states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains1 Also 15 USC 1666B states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

the credit reporting agency duties to report accurate information and according to USC 1666B this late payment is not accurate reporting and needs to be removed immediately.
Product: Debt collection

XXXX to XXXX I had mailed multiple attempts with certified written letters, and police reports. Regarding my identity fraud on the debt collections that is placed on my credit report. XXXX XXXX have not responded to none of my validation letters or police report and federal trade commission report that was certified mailed to them. The notarized signatures that goes with Id theft claim to. Only to my first letter that was sent out to them. However, they did receive my request, but nothing was done after that. within 30 or 60 days as well. My credit score dropped from XXXX to XXXX from this XXXX XXXX account and XXXX XXXX, XXXX XXXX that was reported on XX/XX/2019. On the other hand, they did removed the XXXX XXXX and XXXX XXXX on XX/XX/2019 but did not replace my points back where it should be, XXXX or maybe above. I have a good credit report file and my credit score shouldn't drop tremendously like that. I am fighting so hard to keep my credit score and report on the positive side. I feel the consumers should have way better protection. My fraud Identity theft, is not taking into a removal or into consideration. Additional to that, Experian has not respectfully taken my identity victim to fraud seriously I made multiple attempts and provided an police report, federal trade commission report, and proof of my identity documents to XXXX and XXXX and they thoroughly investigated my concerns and immediately removed the items that stated above. However, Experian is not removing the items that do not belong to me and not taking my identity reports into considerations. However, I am a Victim of Identity Theft. Every other creditor like XXXX and XXXX have removed the items off my credit report. XXXX Experian and the other credit bureaus on XX/XX/2019. I have communicated with Experian and XXXX XXXX multiple time in the past that I am a victim of Identity Theft and Experian and XXXX XXXX has not takem my case into consideration.
Product: Debt collection

I received a email that my credit score went down and they found an open account. Someone recently opened a XXXX  account owing {$4000.00}. I never opened a XXXX  I only had XXXX  XXXX and just opened a XXXX acct. I tried to dispute the error but they said the information is correct. Some one used my ssn in XX/XX/XXXXto buy stuff with XXXX  its false and Im not paying {$4000.00} for something I didnt do! Who ever looked at my dispute need to look again anything I opened will be on my credit but XXXX  no it wasnt me.
Product: Checking or savings account

There was a fraudulent charge on my card for the amount of {$510.00} on XXXX XXXX. I called the bank and disputed it. Over two weeks later, they credited it back to me. Today on XX/XX/XXXX, the bank did a reversal of the amount.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

We acquired XXXX XXXX internet as a provider. They promised us adequate speed for our needs, so we entered a contract with them, only to find out we could not even watch a movie, use our phones or work from home etc ... We paid for services for XXXX mos while they tried to correct the problem, in the meantime accrued charges for extra data to our phone, could not watch movies or work from home while they tried to fix. they sent us to collection agency for equipment charges and early termination fees which we are not liable for. they failed to reach their part of the contract. meanwhile they are blaming us for breaching the contract. we contacted them several times speaking to XXXX XXXX on XXXX/XXXX/XXXX which is the highest supervisor we could reach and she refused to remove the amount.
Product: Student loan

Over the past 4 or so years, I have been repaying my loans to Nelnet that were separated into two groups. As I understood, these groups were determined based on similar loan types, interest rates, etc.. This year, I got a notification that my groups were changed. After digging into it, I found out that I had a high interest loan that was being hidden into a group with a low interest loan, which was deceiving. If I had known that I had the high interest loan, I would have been paying llall extra payments towards it. I feel like this is an unfair practice. At least it was fixed this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX of 2020 I asked XXXX  XXXX XXXX  to let me differ payments because we where affected by COVID-19 and they ignored me we needed there help.
Product: Vehicle loan or lease

I purchased a vehicle through credit acceptance, the interest rate was 22.5 percent. Then XXXX hit, I couldn't afford the payments, it was all going to interest not the principle of the loan. So I had to eventually I had to do a volunteer reposesssion of the vehicle. Now, it's still reporting on my credit. Becuase, when they resold it for less than the present loan the remaining. So car loan had a remaining balance, the company wanted me to pay the remaining balance.I just saw where Credit Acceptance was in a law suite .
Product: Credit card or prepaid card

They dropped the limit of my credit from XXXX $ to XXXX XXXX violating 15 U.S. Code 6802 and the Gramm-Leach-Bliley Act, never did they furnish an opt out to reporting to consumer credit beuros. They also closed my account without any authorization.. also not getting consent to recheck my credit score for the new limit... this is unacceptable
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> XXXX  credit card account just closed my account and knocked down my credit score by XXXX points. I filed bankruptcy almost XXXX  years ago and all my unsecured creditors were notified, including pedal. XXXX was supposed to have closed my account nearly XXXX years ago like all the other unsecured creditors did. So they waited almost XXXX years to close my account on my Equifax credit report which knocked down my score XXXX point the other day. This is ridiculous and should not have taken place with this incompetent XXXX  credit card company. I would like them to fix that error on my Equifax credit report and give me back my XXXX points and show my account as having been closed XXXX years ago
Product: Credit card

On my first complaint I stated that I was back charged over XXXX dollars at a rate of XXXX percent XXXX years on around XXXX. This was on my Lowes Synchrony Card. Now Synchrony has cancelled my card from XXXX XXXX XXXX even though there is a XXXX balance and also having been current even on the XXXX XXXX. This is punishment for sending this information to you department. I am sending my Account statement showing 64 percent interest added to my balance and also the letter from Synchrony Canceling my XXXX XXXX XXXX account card which had a XXXX balance.
Product: Credit card

XX/XX/XXXX - Citi misprocessed a check for {$1100.00} ( the statement amount ) as {$11000.00}. ( Note the extra XXXX in the ones position. ) They then ACHed this amount directly from our bank account, fraudulently taking an extra {$10000.00} ( {$11000.00} - {$1100.00} ) from the account. 

It appears that they did not do any verification of the check amount. 

This is not a trivial error. {$10000.00} is enough to bankrupt many households. 

I use the term fraudulent because they were not authorized to withdraw {$11000.00} from our account. If there is a more appropriate term to use, please substitute it in the following. 


XX/XX/XXXX We received the XX/XX/XXXX statement showing the problem. We immediately contacted Citi Customer Service. The initial response from the Customer Service rep was : Great! Now you dont have to pay your bill for a while!

We requested that the fraudulent charge by ACHed back into our account. They responded that first Citi had to do an investigation into why our account had a credit balance and that while the account is under investigation, we can not get anything back. 


XX/XX/XXXX We received a letter from Citi saying : Were verifying recent payments on your account so we can process your request for a refund. Please allow 10-14 business days for us to respond to your request.

This is the only communication we have received from Citi. 


XX/XX/XXXX We contacted Citis Retention Department. They were also unable to help. They did say that on XX/XX/XXXX, Citi decided it needed a new investigation to determine why they had not sent us a check. Again, since the account is under investigation, we can not request a refund. They did say that whatever we did, do not cancel the account because then we would never see our money. 


XX/XX/XXXX As of this date, we have not had any further communications from Citi. They have not returned our money. They did apply some of it to subsequent charges. At this time, we are owed {$8500.00}, which is the XX/XX/XXXX statement balance. 


According to the Account messages on the statement, any credit balance not resulting from a disputed charge can be refunded by calling the customer service phone number and requesting. We have made such requests. They have refused to honor them. 

It appears that Citi is generating investigations solely to avoid returning the funds that they fraudulently acquired. Note that their investigations are into their own processes and not into anything we may have done, but they are using them to penalize us. 

Throughout this process, Citis Customer Service reps have been unhelpful to outright rude and obstructionist. The impression I got was Yeah, Citi does this and there is nothing we can do.