23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I think this concerns both federal and private loans. Regardless, my servicer is navient. They make it EXTREMELY difficult to make any additional principal only payments. All I wanted to do was make additional principal only payments ... to be done automatically through my bank. Every month, my bank would send them a clearly labeled principal only check to be applied to loan " X ''. An additional automatic payment by check to my particular loan. They will not accept it unless I WRITE A LETTER EVERY TIME I send in a check. WRITE A LETTER??? Seriously??? This is unheard of. This is ridiculous. I cant even write ONE simplified letter stating " ALL additional payments beyond my monthly payment should go to principal only for loan X ''. They will not accept it. You have to ATTACH A LETTER TO EACH CHECK EVERY TIME! You do n't even have to do this for mortgage loans. I have a loan for XXXX and it is absolutely EASY to make additional principal only payments. The bottom line is ... Navient does NOT want me to pay off my loan early! They make it Extremely difficult knowing that typing a letter for each check is very time consuming and simply will not get done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not the first time complaining and they are ignoring my request.. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX and after few days without any chance to verify ( validation period ) my records ( 30 days to ask for verification ) or according to the FDCPA, XXXX XXXX XXXX placed the account XXXX in my credit report in a clear violation of the law. 
Previously contacted XXXX via CFPB to obtain copy of any CONTRACT or ORIGINAL DOCUMENTS to validate any debt but the answer was they try to contact me in a old address which has not been a verified address without any success but now they decide to validate by themself. 

The report show inaccurate and not validated information because during the time they are indicating to the credit bureau, i was not living at the address so how XXXX could open an account and charge every month using my identity and social security. 
See residency letter from shelter during the period open and charge under my name. 

EXPERIAN shows day account open XXXX and XXXX XXXX ( inaccuracy open dates ) EXPERIAN shows as closed account vs XXXX shows as Open account. ( inaccuate status ) XXXX XXXX reported amount XXXX EXPERIAN and XXXX XXXX ( Inaccuarte balance ). 

The address attached to the account has been a cause a few fraudulent credit account open using my identity. 

This information is submited by XXXX XXXX XXXX TO EXPERIAN AND XXXX  WIHOUT ANY VALIDATION OR VERIFICATION. 

During that time frame and before I was living in a shelter so the dates obviously are incorrect XX/XX/XXXX until XX/XX/XXXX, previous that address I was living in a hotel room for 6 month since XX/XX/XXXX and previous to the hotel room my addres was in zip code XXXX in the XXXX since XX/XX/XXXX until XX/XX/XXXX ( 1 year ) the amount is wrong and somebody used my information to open the account.. XXXX XXXX XXXX violate the 30 days period and the Credit Bureau EXPERIAN AND XXXX  allow them to post false, Inaccurate and not valid information without any support. 
XXXX XXXX XXXX break the FDCPA 809 section by posting information without validation in the frame time of 30 days according to the law. 

EXPERIAN AND XXXX is in violation of the FCRA by allowing XXXX XXXX XXXX posting inaccurate, false, not valid information hurting my credit report.
Product: Student loan

Navient has refused to lower my monthly payments based on my monthly income. During this time my account as fallen delinquent, account balance and increased, and my credit has been damaged. They have required me to pay over {$1200.00} each month on these 4 private student loans. This has hindered me from being able to pay on my federal student loans at all. I have been paying them what I can afford. I now have a XXXX XXXX and they have still increased my required payment amounts even more. Finally, on XX/XX/XXXX ( while on a recorded phone call ) Navient agreed to temporarily lower my monthly payments. After providing my income statement, monthly bills, and being harassed about why I had each bill. Supervisor XXXX XXXX ( employee # XXXX ) stated my payments could be temporarily lowered to {$510.00} per month until XX/XX/XXXX. Then these payments would go back up to {$1200.00} per month. I was also told that my account would be reported delinquent to credit bureaus until at least XX/XX/XXXX before the account would then be brought current. I later received a letter in the mail that listed the recurring automatic payment dates but no detailed terms and conditions. On XX/XX/XXXX I received a call from Navient stating the payment arrangement would be automatically be debited from my account at XXXX and to make sure that I had the funds available. On XX/XX/XXXX the funds were deducted from my account. I am now receiving more harassing phone calls from Navient. They are telling me that my payment agreement has been rejected and that I need to call them back. Navient has taken my money and now refusing to honor our agreement and bring my account current. Please see attached payment arrangement.
Product: Checking or savings account

On XX/XX/XXXX, I attempted to make an ATM withdrawal from a XXXX XXXX ATM in Terminal 2 of the XXXX XXXX, XXXX XXXX XXXX. After inserting my Charles Schwab Debit Card into the ATM, I entered my PIN and then entered the amount {$11000.00} Mexican Pesos to be withdrawn. After this screen, the ATM indicated the exchange rate and ATM fee that I would incur and I was asked whether I agreed to this amount. At that moment I declined the transaction as I did not agree to the exchange rate being provided. The ATM cancelled the transaction and it returned my card to me. Upon returning from my trip in the first few days of XX/XX/XXXX I realized that this transaction had not been cancelled and my account had been debited {$570.00} USD as if the ATM withdrawal had been completed. I called Charles Schwab at that moment and they opened an investigation and provided me with a temporary credit which the investigation was carried out. On XX/XX/XXXX I received a letter informing me that XXXX had concluded their investigation and came to the conclusion that this withdrawal was made at their ATM. Due to these findings, Charles Schwab reversed the temporary credit I had been given. I then called Charles Schwab to dispute these findings as I did not make this withdrawal and wished that they take additional actions to dispute this claim. Charles Schwab indicated that they had done what they can and that my request to ask for video footage from the ATM can not be honored as VISA does not allow this type of request. I then contacted XXXX to request this video and was told that they can only authorize this type of request to my bank. I relayed this message to Charles Schwab and was once again told there was nothing more they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these listed accounts, with the dates and amounts, have violated my rights ; XXXX XXXX account number ; XXXX, XX/XX/XXXX, {$450.00}, {$260.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$23000.00} XXXX XXXX ; XXXX, XXXX, XXXX, no verified date ; {$2600.00}, {$4000.00}, XXXX ; XXXX, XX/XX/XXXX, {$9200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$9400.00} XXXX XXXX XXXX XXXX XXXXo verified date, {$9400.00} XXXX ; XXXX, no verified date, {$58000.00}. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681section 604A Section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. I NEVER gave any written instruction to furnish this information. 

XXXX, Transunion, and XXXX are in direct violation of these codes by furnishing and reporting these accounts on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : I am putting in a complaint because Sychrony Bank ( Care Credit ) has kept late payments on my credit report. 8 months ago, I informed them that I could not make the monthly payments due to hardship and the high interest rate. They informed me that they would take off the interest rate, closed the account so I can afford the monthly payments and continue to pay off the loan. They also said the understood my hardship and would take off the late payments on my credit report. 
The past 8 months, I have never missed a payment and Ive made every payment on time but there is still late payments on my credit report. I have mailed the courtesy letters every month asking them to please take the late payment charges off of my account. They sent me a letter stating they couldnt because its a law and that they have to keep the late payments on my credit report. 
I have continued to send letters every month to Sychrony and the credit bureau to get this matter resolved because its highly effecting my credit score.
Product: Debt collection

I was employed by XXXX XXXX between XX/XX/XXXX-XX/XX/XXXX. I was shocked when I saw a collections from them on my credit report six years later. Since they are a trucking company and not a lending institution, and since I was an employee, a XXXX XXXX XXXX, not a borrower, I filed a dispute with XXXX, who was able to remove the collections from my report. Then, XX/XX/XXXX the same collections shows up on my XXXX. After several disputes to no avail, on XX/XX/XXXX at XXXX, I contacted Lockhart Morris & Montgomery , the collections agent : they were very curt and simply concluded refuse to pay. On XX/XX/XXXX at XXXX, I contacted XXXX  only to find out that it was a ticket in OHIO that had come in after I had left the company ; as a company driver, all over-weight tickets and other fines are the responsibility of the employer ; I spoke with XXXX  collections personnel, XXXX , who could not figure out what the charge was for nor the code attached to it : " this kind of charge is usually from the Independent Contractor side. '' When informed that I was an employee, " Oh, why don't you call payroll and see what the code is for, then call me back. '' It is only after I spoke with payroll that I discovered the charge deriving from a fine in OHIO. Why I am supposed to be responsible for it? I don't know. Why seven years later? I don't know
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XX/XX/XXXX,  a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX XXXX was the financing company. 

On or aboutXX/XX/XXXX, I was informed by XXXX XXXX XXXX that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX XXXX and the contract was signed on XX/XX/XXXX 

Please review attached
Product: Credit card

I have a TJ Maxx credit card and every single time I check my account online it makes me change my password. I put in my user name, confirm the picture used as another security benefit, enter my password and after all of these are completed. It makes me answer security questions, enter my credit card number, and lastly, change my password which can not be a previous password. I check my account from several computers/mobile devices and do not always have the card with me. When I go to pay my bill, I am denied access because I dont have my card/account # and denied because my password is incorrect. Which have subsequently caused me late charges on more than one occasion.I have called and sent messages to the company ( and synchrony bank ). I am now paid in full and trying to cancel my account and realized again, my credit card is at home. I have entered the correct password, confirmed photo pin, username and security question ( I know this because If i enter an incorrect password/username/answer it doesnt alow me to continue to the next screen ). But can not close my account which has now put me in a fit of anger to send this complaint. I am to blame for the small mistake of not having my card on me at all times, but that is a little insane to have me jump through XXXX different security obstacles and still be denied. I am not seeking monetary reimbursement for late fees but anything that looks negative on my credit report I would like reviewed and changed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with Error resolution requirements under the Electronic fund transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, 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 XXXX Account # : XXXX, Account Name : XXXX - Account # XXXX XXXX, has violated my rights. 

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't 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 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 XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX, IL XXXX XXXX RE : XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Lastly, I logged on CarMax to get Pre-Approved and next thing I know I had 3 inquiries. Nowhere does it say when getting pre approved that they're going to pull your credit. It wasn't until I started getting the notifications did I realize that my credit was being pulled.
Product: Credit card

This is a shipping dispute -- never received the item. Ginny 's billed me even though I did not receive the item. Total confusion -- I recall receiving the item later on and returning it immediately. I even called accounting trying to rectify the problem and was assured the problem was fixed, but received a bill and a late fee. For some unknown reason Ginny 's refuses to comply with Fair Credit Act and remove 30-day late. I have never been late on any bills and have an excellent paying record with all my accounts. I have been disputing this item for almost two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a dispute to Equifax and they did not respond to my dispute as of today. I attempted to call however they do not answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the bureaus on XX/XX/XXXX and could not get them to resolve these unauthorized inquiries as I do not recognize them. Please have the bureaus show me the proof such as signed documentations of my approval. Below are the unauthorized in questions. 

XXXX XXXX XXXX  XXXX  Credit Cards Inquiry date : XX/XX/2020 XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/2020 XXXX/XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  Credit Cards Inquiry XXXX XXXX XX/XX/2020 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has the following WRONG addresses on my credit report. 

XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX has the following WRONG addresses on my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX has the following WRONG addresses on my credit report XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX These addresses do not belong to me and may be negatively effecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Requesting a Method of Verification Letter To Whom It May Concern, I recently received an answer to a dispute which state that the accounts XXXX XXXX XXXX XXXX and XXXX XXXX were verified according to the information that you have on file. Very Respectfully, I am sure there was an error in the outcome of your decision. I am requesting the Method of Verification for the following disputed accounts : XXXX XXXX XXXX XXXX and XXXX XXXX. This is in accordance with the Fair Credit Reporting Act XXXX ( a ) ( XXXX ). This is a request under FCRA XXXX ( a ) ( XXXX ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA XXXX ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than XXXX days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA XXXX ( a ) ( XXXX ). Please reply within XXXX days or delete the items, as originally requested.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX  XXXX XX/XX/year> ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ; XXXX XX/XX/year> XXXX XXXX XX/XX/year> ; XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX  XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX XX/XX/year> ; XXXX  XX/XX/year>.
Product: Credit reporting or other personal consumer reports

COMENITYCB/XXXX  XXXX Balance : {$0.00} I believe the information being reported to be inaccurate.
Product: Credit card

XXXX ( I already started a complaint on this matter- referenced here ) But I would like to add that I previously always received an email BEFORE a payment came out of my account, and NEVER got any notice of this upcoming payment before the payment came out as I had previously. Amex said they are investigating this but they have not cited a reason OR offered a solution. 

Had I been made aware in advance that they were going to draft {$3400.00} on XX/XX/year>XXXX  in advance, I certainly would have changed my settings on the auto payment to NOT permit this payment, I would have chosen to pay the MINIMUM DUE. The fact that I was not notified in advance that this payment would be drafted left me totally unaware that it ever was going to be drafted, leaving me overdrawn in my bank causing me to incur overdraft fees AND it would have bounced my mortgage payment if my XXXX hadnt loaned me money until it gets resolved. 

I believe the fact that I never received notice of this payment is DIRECT VIOLATION OF ( below ) ( d ) Notice of transfers varying in amount Official interpretation of 10 ( d ) Notice of Transfers Varying in Amount See interpretation of 10 ( d ) Notice of Transfers Varying in Amount in Supplement I ( XXXX ) Notice. When a preauthorized electronic fund transfer from the consumer 's account will vary in amount from the previous transfer under the same authorization or from the preauthorized amount, the designated payee or the financial institution shall send the consumer written notice of the amount and date of the transfer at least 10 days before the scheduled date of transfer.
Product: Mortgage

I received the answer from my complaint, yet this did not answer my questions nor did it solve the issue. Again I asked for a complete statement of payments, none has come. My monthly bill is {$720.00}. I answered the last complaint in letting you kno  w Bayview has had more than enough time to produce the document I requested. This has not happened. My  XX/XX/XXXX  bill again was {$720.00} I have made payments Totaling {$850.00}. thus the balance for  XX/XX/XXXX  should have started at, {$590.00}. This balance is offset by my payments thus far in the month of  XX/XX/XXXX of {$810.00}. My balance to start  XX/XX/XXXX  should be {$500.00}. This is not showing on their site, only the last payment of {$10000.00} from  XX/XX/XXXX shows.
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Also there is still the matter of the Attorney fees, again their contracted attorney has yet to answer my certified letter on them mailing 20+ copies of letters to my tenant, who is not on the loan nor has interest in this property. I am demanding half of the attorney fees be returned by Bayview for failure to do their due diligence on this matter. It was their attorney that did not do the work, let them refund me and collect the money from their attorney. This would be well over {$550.00} of fees to be returned.
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LET THEM KNOW THEY ARE ON NOTICE AND I WILL SUE THEM SHOULD THEY OBFUSCATE ANY LONGER. I have continued to call and follow up on this matter, yet they will not be forthcoming on this. Their canned letter of response is not acceptable.