23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Dates : XX/XX/XXXX - XX/XX/XXXX Total Current Balance : {$100000.00} XXXX of students were XXXX by Navient into taking out XXXX private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, I was able to file a XXXX XXXX claim with the Dept. of Education against XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, and my Fed. loans of {$78000.00} were discharged and my credit repaired. 
My XXXX XXXX Claim was also part of the Sweet Vs. Cardona settlement for which I was a full class member. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that XXXX XXXX/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for XXXX months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a XXXX of a settlement deal for the rest of borrowers XXXX  into taking loans to at least XXXX for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of XXXX payments students could have enrolled in, but instead steered toward XXXX? Furthermore, hasn't Navient been sued at least a XXXX XXXX times for other XXXX loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. This application is a XXXX. Why do we need to prove anything? Navient knows who we are. Under the FTC " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were XXXX into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont Know About The Inquiries 
Like.XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX AND On XX/XX/XXXX
XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX XXXX XXXX On XX/XX/XXXX
XXXX XXXX AND On XX/XX/XXXX
Can You Please Delete It 
This one Is ID Victim
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified account that is reporting late payments inaccurately and I want to dispute the inaccuracy of this account. I have contacted the company related with this account, and they have confirmed that the late payments were errors and have agreed to update my account and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected this account on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I have filed disputes regarding Titian revenue solutions and provided proof that they have been reporting an account that does not belong to me. They have now started to call me and attempt to collect the debt even without providing proof or even investigating. I've had this dispute open since XX/XX/2020 and this has not been removed. I have had numerous problems due to XXXX XXXX data breach and they are not helpful at all in resolving issues. I'm trying to buy a home for my family but can not because they wont do what is required under the FCRA. I've written letters and called and there is no way to reach a person at XXXX directly. The documents they sent my address is not sufficient proof, no proof of identity it's just papers with some of my personal information nothing else. The credit bureaus and XXXX Revenue do not adhere to the laws that govern the reporting to a consumer 's credit report. None the less my participation in the class action lawsuit that XXXX  was involved in regarding their data breach that I was a victim of offers no real resolution to these issues and its unfair to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with XXXX, XXXX, and Experian. I even submitted a letter from the XXXX XXXX court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.
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 right to privacy and confidentiality under 15 u.s.c 1681.. 
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 
15 U.s.c 1681 section 602A. 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 an account without my written instructions ... 15 u.s.c 1681 c. ( 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Checking or savings account

A incursion on my account ending in XXXX was made by a digital wallet transaction. It was fraudulent and not authorized. I reported it and opened a claim.in XX/XX/2023 The bank assured me that the debt card was dropped. The bank issued a new debit card and I refused to activate it. I continued to monitor the account in XX/XX/2023 new fraud charges appeared on my account and I reported them but the bank did not open a claim. More charges appeared later I called to complain to management but I was told that they would not accept a call. I called a completely different department and opened claims for the transaction in XX/XX/2023 but refused to open claims for all since they say I had not reported them sooner. The told me the debt card was close. They next day the fraudulent charges continued. The bank has been unable to stop this and because of their incompetence continues to say that the older charges will not be reversed. The bank is allowing this steal to continue. I need them to accept the responsibility for their lack of action to protect my account.
Product: Student loan

On or about XX/XX/XXXX, I signed a promissory note with SoFi Lending agreeing to refinance XXXX for a 7-year loan term at a fixed interest rate of 3.506 % consisting of 84 payments beginning XX/XX/XXXX and ending XX/XX/XXXX. According to the promissory note each payment would be in the amount of {$2000.00}. With auto pay that rate was reduced to 3.256 %, which I understand would serve to accelerate the number of payments, and not decrease the monthly payment amount. Since the loan funded I have had the following payments automatically withdrawn from my checking account : XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - {$2000.00} ; XX/XX/XXXX - XXXX. Notably 3 of these amounts are different, and all are above the {$2000.00} amount included in the promissory note. 

On XX/XX/XXXX, I received correspondence from XXXX, the SoFi loan servicer, that my repayment schedule had changed. It reflected an interest rate of 4.006 % and a monthly payment of {$2000.00}. I contacted XXXX and although they could not confirm why I received that letter, they assured me my rate was 3.256 % I requested a copy of my promissory note, which was provided to me by XXXX. 

On XX/XX/XXXX, as I was reviewing my bank statments, I observed the above funds withdrawals and contacted SoFi. Initially I was told by SoFi that this concern needed to be addressed directly with XXXX. When I informed them that I had already tried, and reminded them that my agreement to repay the loan pursuant to the above terms was with SoFi, i was told they would address the issue. I forwarded to XXXX XXXX, of SoFI, attachments that evidence the promissory note sent to me by XXXX, export of bank statements evidencing the withdrawals, and correspondence from XXXX evidencing the 4.006 % I was told on XX/XX/XXXX that it may take 24-48 hours to get a response from XXXX. To date, SoFi has informed me that they have still not received a response.
Product: Debt collection

XXXX of this year I took out a loan with this company. Things feel apart after, They began to take money out of my account on a random basis and multiple times a week, I had to contact my bank, file a fraud report with them. I filed a BBB compliant as well. I had to change my debit cards and my checking account information. This company took money from me ranging in amounts of XXXX to XXXX per week. I have correspondence from all of this including the BBB incident number XXXX. So over the weekend I get a letter they have turned me over to collections for this huge amount. I am beyond upset, I do n't owe these people money, they took advantage of me, and now to have them attempting to collect this is horrible. I have submitted to the collection agency who is XXXX Offices of XXXX XXXX and their number is XXXX.
Product: Mortgage

I requested XXXX forbearance in XXXX due to significant income loss. The 12 month forbearance ended XX/XX/XXXX. To which I inquired if there was an option to go beyond the 12 months, as there had been previously. I was told that was not an option, so I was sent a loss mitigation package which I filled out an returned. I was told at the beginning of the forbearance that I would be able to roll all past payments to the end of the mortgage as a balloon payment. The reason I know this is because my girlfriend works on at XXXX XXXX. She has shown me the guidance on this. She is also ending forbearance ( with XXXX ), and her past payments are being rolled into the back of her loan. She was also on XXXX forbearance and she started hers the month after I did. 
My servicer reported a 180 day late ( without any previous lates ) in XXXX. I was told that my loss mitigation package was accepted and that I wouldn't have a payment due in XXXX. I called back to inquire about the late payment and asked why it was reported that way. I was told that the information had been previously shared with me and it was not. I am in the mortgage industry and I cant have derogatory marks on my credit due to various license applications that I must submit at different times. I would have never entered into this had they told me that I would be shown as late on my credit. 
I called back on XX/XX/XXXX and said I could make a regular mortgage payment as to avoid the late on my mortgage and they said I couldn't and I had no choice but to have it show as late ; unless I decline the loss mitigation option and pay the approximately XXXX that is due from the forbearance period. 
My understanding, under the CARES Act that no derogatory marks would be issued once in XXXX forbearance period. They came to me with the loss mitigation payment which is higher than what my regular payment would have been. If I am struggling how does that make any darn sense. My escrow should also go down because of a reduction in my property taxes but they said they cant adjust it because I'm in a trial period. This just seems antithetical to common sense. 
I do think that my servicer may not be applying the rules correctly or misinterpreting the rules. I had to get XXXX XXXX involved twice when I was applying for the forbearance as they rejected it hence why Im coming to your organization.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. 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 XXXX Code XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX USC 1XXXX 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! 


XXXX USC XXXX ( 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 EXPERIAN XXXX Never Sent the 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! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved, The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed the disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Thank you!
Product: Debt collection

After requesting a copy of my credit report, I found this account from a third party they said stated over the phone, ( Vance & Huffman LLC Partial Acct # XXXX ), about me owing {$340.00}, for which I know nothing about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I. XXXX XXXX XXXX am a victim of identity theft. There are fraudulent accounts on my profile that need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When trying to remove a freeze on my Equifax credit report, I am unable to access my report. My online account on myEquifax appears to be locked out and is inaccessible. When calling Equifax, they are unable to locate my account via SSN, address, name, or phone number. They suggested faxing in the request to remove the freeze along with a copy of my license and SSN card, which I did on XX/XX/XXXX, to no avail. After calling back to check, they are still unable to find any account for me. 

I have several previous lines of credit, including a mortgage and car loan, and never had any trouble accessing Equifax in the past to place or remove a freeze. Since Equifax is unable/unwilling to unlock the freeze, I can not apply for further lines of credit with lenders who pull Equifax reports. I would appreciate help getting Equifax to resolve this issue promptly.
Product: Credit reporting or other personal consumer reports

A bankruptcy is being reporting inaccurate and/or incomplete information concerning me in consumer reports. This conduct has caused me distress and financially harmed me with costs and loss opportunities. 

The following alleged Public Record you are reporting concerning me is inaccurate and/or incomplete, and also unverifiable : Reference # XXXX I contacted the Court of Record you list on my credit file, and they confirmed that they neither provide or verify court records to you or to any other third-party. 

I then contacted XXXX and XXXX XXXX XXXX XXXX XXXXXXXX informed them of their errors in reporting and they responded with a letter deleting any and all Public Record notations.

Therefore, they could not have possibly verified this information, and I request that you delete the alleged Public Record and provide me an updated copy of my consumer file. In addition, I request a description of the procedure used to determine the accuracy and completeness of the information of the above-listed. 

I disputed information that you included in a consumer report that you prepared and published about me, including, but not limited to, the business name and address of all furnishers of information contacted in & connection with such information and the telephone number of such furnishers when you initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have quiet of few accounts, Inquires and addresses on my reports from all 3 credit bureaus and have disputed everything I have talked to them over the phone multiple times times and just got the run around every time and they say everything is verified which I don't know how even the information on the accounts that I know are mine the information is incorrect and they won't help me so here in my complaint and am now prepared to take further action.
Product: Money transfer, virtual currency, or money service

Saturday XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX I started a message on XXXX with a person selling XXXX XXXX XXXX XXXX XXXX She was in the XXXX XXXX I was in. She was selling 5 seats of tickets for all XXXX XXXX XXXX, for {$150.00} a ticket. 
I had wanted to purchase 3 tickets for one game for {$450.00} total. She said that was fine. She would transfer the tickets to me in the XXXX XXXX  after she received the payment. 

I used PayPal to send her the money. She sent me a message back that she could not transfer the tickets to me unless she transferred all 5 she had for the game. I said I did not want or need them all. She asked for more money, but I said I would not send anymore. After that I could not send her messages. 

I went on the PayPal website right away to dispute the transaction, and I also contacted the bank that PayPal would draw the funds from XXXX ( through XXXX XXXX XXXX  ) and asked to stop payment. 

PayPal responded back within the hour stating they did not think it was fraudulent and that it was consistent with other PayPal transactions. But I have never sent money to this person and have not sent money to someone based outside the US. 

XXXX sent me a message back on XX/XX/year>, asking for more information on the transaction and locked my debit card so no more transactions could happen. 

I responded back on Monday XX/XX/XXXX, with my answers. 

XXXX  then notified me on XX/XX/XXXX at XXXXXXXX XXXX that a dispute had been filed and provided a link to upload any info. I did not have time to upload anything, but there was not much documentation to provide anyway. 

XX/XX/XXXX at XXXX XXXX XXXXXXXX responded back that they feel there was no error. They stated that they are unable to dispute authorized ACH transactions, as the ACH network does not support service disputes. I asked back why they had no protection for fraud for their customers and if there was anything else I could do. They said to try to work with PayPal since they were the ones that transferred the funds. 

I tried to appeal to PayPal again and again they did not try to get my money back.
Product: Debt collection

Keep sending multiple letters of amount owed to the collector but i dont have a contract signed with them
Product: Credit reporting, credit repair services, or other personal consumer reports

problem is with XXXX and transunion they keep reporting 2 of my account as derogatory And delinquent when both account should be reported as paid charge off. I was denied credit because of there neglecting of transunion and XXXX. I what it repair ore remove from my credit report
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. 

15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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

I HAVE REQUESTED FOR THE FRAUD ALERT ON MY CREDIT REPORT TO BE REMOVED BUT LOOKING AT MY PROFILE IT STILL SHOWS I HAVE A FRAUD ALERT ON MY REPORT AND IT'S MAKING APPLICATION DIFFICULT FOR ME. I NEED THE FRAUD ALERT REMOVED FROM MY REPORT ASAP. AND I HAVE ALSO REQUESTED FOR MY CURRENT ADDRESS TO BE UPDATE TO XXXX XXXX XXXX   XXXX IN XXXX
Product: Credit card or prepaid card

My wife and I were part of XXXX breach of 2022 and Capital One knows this and refuses to take off charges that are fraud my wife was in and out of hospital during this time and she handles all the bills so that's what took so long before it was noticed this was explained to her Capital One as well as Mine we sent medical records for proof and they still won't take care of this my wife thinks we are being discriminated against because we are poor this is horrible the stress it has put on both of us identity theft is horrible and will follow us the rest of our lives it is not my fault I refuse to pay for fraudulent charges