23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out a personal student loan of {$10000.00} through Navient in XXXX. In XXXX, after graduating college, I started making monthly payments and have been paying ever since. Around XXXX of XXXX I received notification that my Navient loan was being transferred to XXXX. In XX/XX/XXXX I was checking up on said transfer and realized for the life of the loan I have paid {$22000.00} and yet I still owe {$13000.00}. On XX/XX/XXXX I contacted XXXX to see what options I had for getting out of this debt cycle. Their response was to get another loan to lower rates. This shocked me, they have my loan but are unable to lower the interest rates? I asked XXXX which company I should go through and they suggested NAVI-REFI!!! I am now in the process of trying to shuffle through the shell game of 3rd party refinance because NAVI-REFI goes through XXXX.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my consumer credit report from these companies XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

There were several occasions where credit karma guaranteed if I wasnt approved then they would pay me. This happened multiple times as I am trying to rebuild my credit.
Product: Debt collection

On XXXX/XXXX/XXXX I made first contact with XXXX XXXX in order to find out what the general status of the debt was. I was unable to get this information as they has stated that the debt had been assigned to ACI ( American Coradius International, LLC. ) for collections and they could provide no further info and that I 'd have to contact them ( ACI ). I then made contact with ACI the same day, XXXX/XXXX/XXXX and was forwarded to a woman named XXXX who stated she was in charge of my account. She verified my contact info, e.g. DOB, home address etc. and gave me my internal reference number for ACI. I mentioned I would be sending in some correspondence and I thanked her and the call ended. Shortly after that call, I went to their site and decided to try and register, which I did successfully and decided to browse my account. Menu options upon logging in were : Balance, View payments, Contact Us and Profile, all of which had info once clicked. I took several screen shots of what I viewed which I will attach to this complaint. I later went back after receiving an email from ACI verifying my enrollment and to my amazement, all of it was no longer available and what was there was merely " Terms and Conditions '' under each category. To say the least I found this interesting. I later decided to fill out a Verification letter from CFPB ( XXXX ) and mailed it off via USPS Certified mail on XXXX/XXXX/XXXX ( file attached ). I have been very proactive in dealing with creditors since my wife and I had a major financial setback in late XXXX. The last time I had utilized XXXX credit was on XXXX XXXX, XXXX and to this date, XXXX/XXXX/XXXX I have had no contact from either XXXX XXXX ( XXXX Bank ) nor ACI in any form whatsoever. I also found it odd that upon viewing recent XXXX reports, from XXXX XXXX and from XXXX XXXX, ACI appears nowhere on any of them in the reporting of this debt, however they requested an " Account Review Inquiry on XXXX/XXXX/XXXX ( screen shot attached ). Now, my last recollection of my balance with XXXX XXXX following my last purchase in XXXX XXXX was approximately {$1600.00}. The amount that I was able to view upon logging in on the ACI website before the info apparently was removed was {$2100.00} ( screen shot attached ) which of course I found completely outrageous to say the least given the lack of contact, not to mention it could very well be violating various codes ( XXXX XXXX XXXX XXXX - XXXX, XXXX & XXXX ). Again I will reiterate, I have not received any communication from ACI let alone XXXX XXXX in any way shape or form since XX/XX/XXXX aside from the " Account Review Inquiry '' on my XXXX report mentioned above.
Product: Credit reporting or other personal consumer reports

I look at my account in notice inaccurate information are being reported as 30day late but I was never late I also disputed Mutiple times on this account XXXX XXXX XXXX XXXX XXXX I try to resolve this issue Mutiple time in they said account is accurate I even show them proof of inaccurate information being reported they didn't provide me detailed description of all procedures used in the process to determine complete accuracy of information reported here goes my attachment of inaccurate information I circle being reported on XX/XX/year> 30 days late that was never late
Product: Credit reporting or other personal consumer reports

I had an account with Self credit builder and paid it off 2 yrs ago and it still shows up as a closed account on my credit report
Product: Credit card or prepaid card

I have had this credit card for several years. On my last statement they showed a total balance due of {$3000.00} which I decided to PAY IN FULL BEFORE THE DUE DATE. When I went on line to check my account, they claim I owe them an additional {$50.00}. When I called to complain, they said it was accrued interest.How does one one get the bill paid up if there is always going to be accrued interest?
Product: Student loan

I am enrolled in an income driven repayment plan with Navient, which requires a yearly verification of income. Every year I timely file my paper work, yet Navient systematically ignores the receipt of the documents allowing the deadline to lapse which results in a capitalization of the interest. After the first occurrence of this in XX/XX/XXXXI would make repeated calls to the Navient after sending my proof of income to ensure that this would not occur. In general it would require 3 to 4 calls insisting that the paper work had been sent in a timely fashion and demanding that the acknowledge receipt of the documents and officially update their records to indicate that they had received it. This was an incredibly frustrating process and it was clear by their actions that Navient have been acting in a bad faith. It was not a one time occurrence, I faced this same scenario every year when attempting to renew my income driven repayment plan. Although this was a nightmare to deal with I thought my persistence had prevented any further unwarranted and erroneous capitalization of interest. However, due to my mistake I did not regularly check on my loan balances and aside from my yearly fight to remain in the income driven repayment plan I did not pay close attention. Recently I checked my loan balance and noticed it was much higher than I recalled and was able to determine they had capitalized interest in XX/XX/XXXX. I know that I had timely filed my paper work as I do every year. I think it is telling that my final payment of the prior year was processed, interest was capitalized and days later my payment was adjusted for my new income. Despite my timely filing of the paperwork Navient allowed the time period to elapse solely so they could capitalize the interest and processed the paper work for the recalculation days later. In my opinion this is an example of the systemic fraud undertaken by Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$360.00}
Product: Money transfer, virtual currency, or money service

A friend asked me to use Cash App to repay me for an item I purchased for him. The amount was XXXX XXXX 

I had a Cash App account but stopped using it because of problems with it. Also, at that time, I had the Cash app on another tablet that was since stolen, and a different debit card. I could not access my old Cash app account, so I opened another. 

The system would not let me access the account, the message was " unable to verify device. '' I tried multiple times over multiple days. After those attempts I used the chat feature for assistance. 

The chat clearly was not a human. The responses were too fast to be written out, and none addressed my problem. Many were boilerplate I followed the instructions, again, and again, multiple times. They asked me to do the same thing, which lead to the same result. 

I asked for a human, and to have a human guide me through what to do. XXXX did identify herself as a human. 

No success. I responded that I was going to get my friend to back the transaction out so he could pay me directly. 

He gave me the Identifier : # XXXX, the date was XXXX XXXX account to pay was # XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and noticed unauthorized inquiries that I dont recognize. Im really frustrated because I check my report regularly, and these inquiries just suddenly appeared. I refreshed my browser to see if it was a mistake, but nothing changed. I need this situation resolved as soon as possible, and I expect the documents I sent to be checked carefully to ensure this problem doesnt happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a recurring problem, not a duplicate complaint. Please send to the company for a response. Debt Parking. Company appeared on credit report. No dunning letter was ever received notifying me of my right to dispute the debt as required by the Fair Debt Collections Practices Act. 

I have sent multiple certified letters requesting debt validation to company. Most recent certified letter request sent via USPS, XXXX XXXX XXXX XXXX XXXX, signed for by Vance and Huffman on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : Delivered on XX/XX/XXXX Company has failed to reply. The company received my requests as evidenced by certified mail signature. 

In all verbal communications company has failed to provide information as to what the debt is for, how the debt was calculated, the original creditor ( if different from Vance and Huffman ), complete payment history. The Fair Debt Collection Practice Act requires debt collectors send a written validation letter within 5 days of initial contact. No letter was ever received from Vance and Huffman despite my verbal notification of my mailing address and request for the communication they are required to send by the Fair Debt Collection Practices Act. Greater than 90 days have elapsed since my request for validation of the debt was received by Vance and Huffman, yet they have violated the Fair Debt Collection Practices Act by failing to respond in writing to my mailing address as requested multiple times. 

The debt still remains on my credit report despite my disputes and unanswered requests for validation. The Twila Boatley vs Diem Corporation in 2004 case the courts ruled that reporting the debt to a credit reporting bureau is collections activity. The Fair Debt Collection Act requires debt collectors to respond to debt validation requests and limits collection activity until the debt is validated. On XX/XX/XXXX the FTC released a publication regarding XXXX XXXX XXXX and debt parking, Vance and Huffman is engaging in the same illegal behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim. I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.
Product: Debt collection

XXXX XXXX bought a debt I owed to Capital One. The last payment sent was to Capital One in XX/XX/XXXX. XXXX XXXX has called me daily numerous times a day for around a year. They have called my parents, past neighbors, and anyone they think is associated with me. They have lied to the credit reporting agencies about the last payment date to keep it on my credit report. As I stated last payment made was XX/XX/XXXX, they are reporting I made a payment to them in XX/XX/XXXX which is an absolute falsehood. I have told them to stop contact, I have sent them a letter requesting them to stop contacting me, my family, past neighbors, past employers but it seems to be of no avail. Not only have they lied to keep their debt on my credit report, they are harassing me. Its been 11 years since I last made a payment, but they set it up so they could continue to harass me and lower my credit score until XX/XX/XXXX!
Product: Student loan

FedLoan Servicing is undercounting my payments toward Public Service Loan Forgiveness. I have been trying for nearly FOUR YEARS to have this corrected and it still has not been. 

My federal student loans, which were originally being serviced by XXXX XXXX, were removed from deferment in XX/XX/XXXX XXXX because I graduated in XX/XX/XXXX ). On XX/XX/XXXX, the loans were transferred over to XXXX from XXXX XXXX without my consent. At the time of transfer, the loans were on an Income Based Repayment Plan with a payment amount of {$0.00}. 

The loans were subsequently transferred from XXXX XXXX to FedLoan Servicing -- again without my consent. At some point after this, the {$0.00} payments that had been recorded and previously counted toward PSLF from XX/XX/XXXX through XX/XX/XXXX were converted from " eligible '' to " ineligible '' payments on XXXX of my loans. The denial reason listed in the PSLF payment tracker is " You Do Not Have A Bill Due For This Payment Period ''. However, I did have a bill due ; the monthly payment amount required was {$0.00} under the Income Based Repayment plan ( due to how low my income was XXXX. 

Per https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service/questions : " If my scheduled monthly payment under an income-driven repayment plan is {$0.00}, does each month during which my payment is {$0.00} count toward the required 120 separate, monthly payments? 
Yes. Any month when your scheduled payment under an income-driven repayment plan is {$0.00} will count toward PSLF if you also are employed full-time by a qualifying employer during that month. '' All loans have always been paid in one single auto-debit from my bank account and PSLF loan counts for all should be the same. I provided a verification letter from XXXX on XX/XX/XXXX stating that my loans were on an Income Based Repayment plan with a {$0.00} payment at the time of transfer, and the counts still have not been corrected. Loans # XXXX, XXXX, XXXX, XXXX, and XXXX in my account need to be reviewed and the payments that are currently being counted as " ineligible '' from XX/XX/XXXX through XX/XX/XXXX need to be updated to " eligible ''. 

I have called and emailed FedLoan Servicing over 20 times in the past four years trying to get this resolved.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor
pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Debt collection

On XX/XX/XXXX, XXXX ARS ACCOUNT RESOLUTI added a derogatory mark on my XXXX credit report per XXXX XXXX. Upon further research, Debtors creditor did NOT verify this collection. Also, there was NO written form of communication, contract or SIGNATURE for this accused debt at all. A billed without a signature does NOT validate the debt. According to the FCRA. ARS ACCOUNT RESOLUTION has violated my rights as a consumer and per the HIPAA/PHI law and I am requesting legal action to remove this account immediately from my report. I have also sent certified letters to this company and they have failed to validate a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance. 
This account has been paid in full. Late payments still report and loan still reports on credit report. 
XX/XX/2019, account has been paid in full. 
Amount of {$16000.00} Has been disputed previously before, but still reports on credit report.
Product: Credit reporting or other personal consumer reports

I kindly request an update to my credit report, specifically the removal of the hard inquiry that are not initiated by me. I've already attached below the necessary documents to support this request. Thank you for your prompt attention to this matter.
Product: Debt collection

They called on the following dates : XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, and today XX/XX/XXXX at XXXX. I get multiple spam calls daily as well for the same creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with these credit agencies that's reporting unverified accounts without certified physical documentation and not with the creditors themselves inwhom I have no contract with. I have disputed the following accounts a few times but the response of the credit bureaus always account verified. Who and when was these accounts verified, # 1 XXXX XXXX XXXX XXXX, # 2 XXXX XXXX , I'm demanding that the above accounts be blocked immediately and permanently if I'm not provided with certified physical documentation and the Method Of Verification used as stated by the laws of the FCRA XXXX I'm enforcing my rights as an consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX The credit bureaus have failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed along with Inquiries was authorized by me. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified Also under Section 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( c ) Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.

( 2 ) Effective date. Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996.

They have refused to supply me with documents and overlook this statue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of a Identity Theft on my credit report, which I have identified as a violation of the Fair Credit Reporting Act ( FCRA ). According to my records and confirmation from FTC, there is no account filed under my name, and the creditor should not report such information to any credit reporting agencies.

I am a victim of Identity Theft. Please see the attached documents relating to this case and completed identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. Enclosures : Police Report/Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) Identity Theft JPMCB CARD Credit bureaus must honor my request to remove fraudulent information from my credit report. This is called blocking. Once information is blocked, companies cant report the debt or try to collect it from me.
Product: Student loan

My brother has assumed responsibility for paying this account, and he has made late payments. I have no way of being notified that late payments are due or that they are going to be past due and my credit score is suffering, as they are reporting XXXX lates as of right now.
Product: Credit reporting or other personal consumer reports

Failed to properly verify and remove third party collections accounts reported by third parties/ also medical bills which violate hippa laws. 
accounts reported appears to be a medical bill, and I believe its inclusion on my credit report is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Health Insurance Portability and Accountability Act ( HIPAA ).

Third party collection agencies are unfairly reported. I did not authorize the sale or transfer of debts to third parties. They lack my consent and legal right to collect or report any debt. Validate or remove immediately.