23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello, -- I am very upset with Navient not honoring what was stated in a notification letter to me dated XX/XX/XXXX. 

-- The letter stated : " XXXX, your loans listed below are now successfully enrolled in our Auto Pay program. 
The payment amount of {$0.00} will be automatically extracted from your designated bank account on the same day of each month. Your first withdrawal will be XX/XX/XXXX. 

Loan Information LOAN DATE ORIGINAL LOAN AMOUNT OUTSTANDING PRINCIPAL INTEREST RATE LOAN PROGRAM XX/XX/XXXX {$33000.00} {$31000.00} XXXX XXXX  XX/XX/XXXX {$33000.00} {$38000.00} XXXX XXXX XX/XX/XXXX {$33000.00} {$36000.00} XXXX XXXX   XX/XX/XXXX {$33000.00} {$35000.00} XXXX XXXX '' -- Since I received this confirmation in a letter from Navient, I believed that my loans would be at those interest rates stated in the letter. For some reason, only my 1st loan 's interest rate matched with what was stated in the letter, and the other 3 loans did not get enrolled into Autopay with new interest rate as the letter stated. 

-- I have been compounding interest on my other 3 loans at incorrect interest rates from XX/XX/XXXX  until now. They have been compounding at 5.84 %, 5.31 %, 6 %., instead of what was stated in Navient 's confirmation letter. 

-- Even though I received confirmation of Autopay enrollment for ALL my loans in XX/XX/XXXX, they weren't aren't all enrolled into Autopay until XX/XX/XXXX because I had to submit the request again on XX/XX/XXXX. 

-- I want Navient to correct the amount of interest I have accrued from XX/XX/XXXX until now to reflect the interest rates that should have been implemented as per that confirmation letter. I should not be held responsible to pay for a mistake in the system that was on Navient 's part. 

-- I first emailed Navient to ask about the discrepancy and the response I received was only stating the current status of my loans and interest rate - which I was well aware of. There was no explanation as to why I needed to re-submit autopay enrollment request for the other 3 loans when I already did back in XX/XX/XXXX and received confirmation that they were all enrolled with new reduced interest rates. 

-- I called and spoke to Navient customer service representative XXXX XX/XX/XXXX XXXX and he said he could not figure out why only 1 of my loans were enrolled into Autopay when I had received confirmation for all 4. He could not find any notices of cancellation or dis-enrollment, but he assured me that my loans are all enrolled in Autopay at this moment. When I asked if there was any way to retroactively correct my loan interest rates from XX/XX/XXXX until now, he said there was nothing that could be done.
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 XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXX Account Number : XXXX and list of Inquiries. 

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

XXXX, XXXX, and Transunion is showing XXXX ACCT # XXXX date opened was XX/XX/XXXX which is incorrect. The original creditor XXXX XXXX XXXX is showing the date opened as of XX/XX/XXXX. I've recently disputed this account in XX/XX/XXXX and it was reported that there were no errors or everything was fixed. However that was not the case as we see in my attachment below which shows the correct date. 

According to 15 use 1681i ( 5 ) the credit bureaus stated everything was complete and accurate and also 15 USC 1681 s-2 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. 

This is constant violation of the federal law. This account needs to be removed immediately.
Product: Mortgage

Regarding forbearance, which I engaged until XX/XX/XXXX. In XXXX, I signed modification papers, sent them and made the first payment in XXXX. Then I sent the second payment in XXXX and it was returned to my bank. On XX/XX/XXXX, I contacted Flagstar about it and was told they hadn't returned any payments - I showed them proof but they keep ignoring my request for help - and the fact that I'd notified them in XX/XX/XXXX of my divorce and Successor In Interest status. I have gone back and forth with them on several issues, to which they want to verbalize but do not want to put information in writing to send to me so I can actually look at it and make actual INFORMED decisions, unlike the modification I was forced to do in XX/XX/XXXX and the verbal arrangement ended up not matching the written - choice was sign it after making payments for 3 months or lose my house. 
In XX/XX/XXXX/XX/XX/XXXX, I submitted information after the forbearance had continued, to the loss mitigation department. They send letters stating information is missing and I keep resubmitting what is on the list but they won't send me a list of what's missing only a notice. 
They have not complied with several requirements - some of which deal with things being done in a timely manner. I file complaints, they jibber jabber and then the complaint gets closed even though all I am asking is for information about financing, missing documents, etc to be sent to me in WRITING - whether it be by Fax, Email or Mail. And they simply flat out refuse that they don't have to put anything in writing at my request..I have to call and talk to someone - from the same department that misled me two years ago. I have financing set up with another mortgage company but until this matter is resolved by Flagstar I can't move forward to assume the mortgage.
Product: Debt collection

This collection agency is on my credit report ruining my good name for debt that was never mine that i do not owe and they refuse to remove themselves.I have explained it wasnt my debt but they ignore me and keep reporting it after many attempts to have this removed. I did not have a credit card or anything. 
account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX
Product: Debt collection

XXXX, gave me the right to pass my account on to another customer. That customer has taken full responsibility with payment arrangements organized by XXXX. First XXXX was harrassing me about this debt that dont belong to me. After explaining the situation XXXX removed this account from my credit report. Now AFNI has the account and has reported to my credit without sending me any notice or validation. Please remove this from all 3 reports as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I asked XXXX XXXX  to dispute 6 accounts on my credit report that were collections. The investigation is still pending as of XX/XX/XXXX over 1.5 years I am unable to get XXXX XXXX and equifax to unblock the freeze and XXXX XXXX says to contacts XXXX XXXX and XXXX XXXX says to tell XXXX. I give up but I am in in credit purgatory and my rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a credit card for a bed through Synchrony bank. I had two returned payments not go through ( I could swear they do that on purpose ). Because of this, they closed my account. I then decided to pay the entire balance ( {$700.00} on the XXXX on the XXXX ). Before the XXXX, I was already reported as late earlier this month ( XX/XX/XXXX ). However today ( XX/XX/XXXX ), I was reported as having a delinquent account on all 3 bureaus. I contact synchrony and they say that its the bureaus fault but it says the balance is {$0.00} in the details and it has already been reported as closed. I was reported twice in the same month for late payments but the account was closed and the balance was payed in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX : I called XXXX XXXX about refinancing a rental cottage. They told me my credit report showed house was discharged ( lost ) in a bankruptcy. So I can not refinance. Rep told me XXXX never reaffirmed that I was paying. 

I called XXXX XXXX. They say their Bankruptcy dept will look into it. I could call back in a few days to see if they 've done anything (!! ) I checked the 3 Credit Reports. All of them show the following incorrect information : 1. That my cottage mortgage to XXXX was discharged in bankruptcy and now was closed. 

TRUTH ; It was not discharged. While it was on the bankruptcy list, I missed 3 payments to XXXX. Judge allowed me to keep the property. XXXX transferred the note to XXXX, who has a debt service contract with them. XXXX assigned a new acct number. 
I paid the back payments and then made every monthly payment. 

After a year of making EVERY payment, XXXX transferred note back to XXXX. XXXX used the original loan number. 

HOWEVER, XXXX NEVER REAFFIRMED MY PAYMENTS. 

Sidebar : XXXX also did not pay the taxes due XX/XX/XXXX because they said a ) insufficient funds in escrow even though I had been assuming they were collecting tax funds needed and b ) XXXX county allowed them to pay in XX/XX/XXXX. Result : I did not get the XX/XX/XXXX tax credit for taxes paid! They should be closed for this incompetency. If insufficient funds, it was their fault. I paid the mortgage and escrow! 

2. My credit reports ( 3 ) state that my mortgage to XXXX was discharged in bankruptcy and then just listed as transferred. 

RESULT : IT APPEARS I LOST TWO HOUSES IN BANKRUPTCY WHEN I DID N'T LOSE ANY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

This company has continuously reported inaccurate information on my consumer report. They intentionally reported a charge-off on my consumer report when it is in fact considered income. According to The IRS, they clearly defines a charge-off as Gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting a charge-off on my account inaccurate! I have contacted this company several times to delete this inaccurate account from my consumer report, but they constantly refuse to correct their unlawful behavior. It has damaged the character of my consumer reputation and I will be seeking remedy.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site XXXX. Please dispute the account. It was opened without my knowledge, authority or consent. 

JXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting Act XXXXt Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A States I have 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
Product: Debt collection

This person called my father on several occasions ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) and left him messages about me. I did not give his number to this person. I have not received any phone calls to my phone at all.
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding my credit report. Despite my recent requests to remove fraudulent accounts and inquiries, as referenced in reports XXXX, XXXX, and XXXX, new fraudulent entries continue to appear. This ongoing problem is extremely concerning and requires immediate resolution. New Fraudulent Inquiries : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXXXXXX 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  - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XXXX XXXX, XXXX Please take immediate action to remove these fraudulent inquiries from my credit report. Additional Fraudulent Account : XXXX XXXX  XXXX - XXXX - XX/XX/XXXX. This account does not belong to me. Kindly review and remove it from my records. Your prompt assistance in addressing this matter is greatly appreciated. Please confirm once these fraudulent entries have been removed and provide any necessary documentation or updates regarding this request. Thank you for your attention to this urgent issue. I have attached my FTC report, ID, and proof of address.
Product: Debt collection

XX/XX/2019 XXXX Receives Customer Rebuttal to Response ( The consumer indicated he/she DID NOT accept the response from the business. ) Vengroff states in their response that " no answer ''. I answered my phone XXXX XXXX PT from XXXX with a woman who identified herself as " XXXX '' from Vengroff. She stated that I had been leaving message with the wrong office, so she did not get them. I advised XXXX that I was at work and I would be open to calling her tomorrow, Friday XX/XX/XXXX. She stated that I could call her using the # on my caller ID and that her office is very busy and small. That someone would get back to me when they could. The biggest concern I had with the phone call is XXXX advised me that it was a recorded line ; however, she did not utilize the Mini Miranda or advise that she was attempting to collect the debt. 

XX/XX/2019 Forward Business Response to Customer XX/XX/2019 Receive Business Response Vengroff Williams has investigated has reviewed the complaint. Our offices has attempted to contact the consumer at the number provided and reached no answer. The consumer may contact our offices @ XXXX or XXXX XXXX XXXX to XXXX XXXX  EST. 

XX/XX/2019 Notify Business of Dispute XX/XX/2019 Send Acknowledgement to Consumer XX/XX/2019 Case Reviewed by XXXX XX/XX/2019 Case Received by XXXX ( Less ) Case Description : Obtained notice of a debt by XXXX XXXX provided to VWI. Attempted to call VWI 3 times over a 3 week period with no response to resolve. Left VM Purchased a sales agreement from XXXX XXXX on a XXXX XXXX. When the car was stolen, the vehicle service agreement reimbursement was wrongfully issued to me ( per XXXX ). XXXX turned the proposed debt to Vengroff Williams Inc. I received notification of the debt in XX/XX/2019. I have lft VM 's for Vengroff at XXXX ( which states a medical billing service ). I have talked to XXXX XXXX that states they can not work with me that i must go through Vengroff. Neither entity is willing to help me resolve an issue that XXXX initially created in their own error. Credit is being damaged and I received a collection letter at my place of work. XXXX is being uncooperative and Vengroff is being unresponsive. 

Extra Detailed Info Date of last interaction with business : XX/XX/2019
Product: Checking or savings account

CFPB you don't have a category for what Wells Fargo, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All of them decided to keep the wealth they were entrusted with. No effort has been done to make them return that wealth. 

That put me in the position of having to explain what happened to the entire United States Government without giving legal advice. 

CFPB you don't have a category for banks keeping deposits that someone else made into another person 's account. XXXX XXXX XXXX XXXX kept the gift deposit I put in someone's account. 

CFPB you don't have a category for banks keeping loan payoffs done for someone else. I paid off Wells Fargo & XXXX XXXX  XXXX loans. Both banks kept the loan payoffs. Both banks did their best to bring the loan holders into the picture. The loan holders didn't keep the payoffs, the banks kept them. 

CFPB you don't have a category for banks that decide to keep a deposit dropped at a bank by mistake. 
XXXXXXXX XXXX XXXXXXXX XXXX did that. 
It told you it knew about the mistake. 

CFPB you don't have a category for banks keeping deposits and not opening bank accounts. XXXX XXXX XXXX did that. Federal Reserve Board knew about the deposit. That's why it filed a complaint against that bank with you. 

The investigation into all this started in XXXX. In XXXX cases were closed and investigations were shut down. 
I was told about everything as it happened. 

This complaint is the only way I could send information to you. There isn't a category to send you information in non complaint form. 

None of this is going away. The five banks 's dishonesty is making sure of that.
Product: Mortgage

I am filing a formal complaint against HomeTap , Inc. 
This was the mortgage company that I thought was a registered Reverse mortgage lender to help me out when I needed it. It appears they took major advantage of me in multiple ways. Parts of their program may have similar components as a Reverse mortgage. I believe it is an option loan on my home. The communication was poor from this company, and I never got a monthly statement! Plus, the terms of the are vague and the huge charges and/or terms are usuary violations in my opinion. XXXX XXXX is the charge, but it says up to? I did not understand. 

I was charged I see {$730.00} for a transfer tax. But I did not sell or change vesting? I was charged {$420.00} for an intangible tax. Plus was charged $ XXXX an up front fee! They did not communicate well at all in helping me comprehend these unusual complex terms and fees. I feel I was misled and taken advantage of! 

Besides putting the lien on my home, they also may have put a UCC on my home. Uniform Commercial Code. Which means they could also have a lien on all your stuff. Tvs, beds, washer, dryer, fridge, stove. Anything that had value. This was extra collateral besides the house!! They could take if terms were not followed. 

Plus : Waive your right to a JURY trial. 
You pay all costs on both sides of trial and or hearing I believe that this company practices and procedures need to be reviewed for any regulatory action determined. I am filling a complaint with the following entities : FTC ( Federal Trade Commission ) CFPB ( Consumer Financial Protection Bureau ) XXXX ( XXXX XXXX XXXX ) I appreciate your time and focus on this serious matter. I am a XXXX XXXX, and we need to be protected from these types of companies. XXXX I have all documents for your review if needed. I can be reached at XXXX and my email is XXXX I look forward to your involvement with processing this complaint.

Sincerely, XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I was transferring {$230.00} from Cashapp to my XXXX XXXX account and was told that I should recieve the funds by XX/XX/XXXX. However, there was no deposit of my money into my bank account. I had previous issues with Cashapp with a scam I felled into which resulted in the loss of {$3500.00}. I instructed them that it was a scam and that I have evidence to prove it but they instructed me that they'll do an investigation and never got back with me. I was able to talk with my local bank and they instructed me to talk with cashapp to see if they can retract the deposit back into my cashapp. However, they told me that I may been to wait several months to see i even get my money back!
Product: Mortgage

I filed XXXX complaints back in 2020 because PHH mortgage routinely fails to provide access to my online account, does not accommodate online payments in order to increase the amount interest charged on loans. 

For the last year I have called several times requesting access to my online account, I am told " They aren't accepting new online registrations '', I have previously been registered. " The website is down for maintenance '', this period lasts months, " We will forward you request to our technical team '' that takes a week, and then they provided a letter saying I had access then requiring an email confirmation that they never send. 

Without the email code I can't get into the account. Even if I could I can't make a payment that has to be sent via snail mail so that they collect interest. 

This is an ongoing deliberate practice of keeping consumers from having access to their mortgage account, to force people to pay unnecessary interest, and to delay consumer access to the most important financial account most people have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans that are currently reporting inaccurate as delinquent accounts that should have been removed already. The accounts are causing harm to my credit score and are negatively impacting my credit application decisions. The accounts are in good standing by fed loan servicing and I can provide proof that they are not delinquent.