23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX  and paid for the part up front and put the rest on the balance on a new Apple GS Bank  credit card. Unfortunately, I had to return the XXXX XXXX  about a month later. I had paid XXXX monthly payment on my apple card but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXX month payment which was considered an over payment. It took Apple 2 months to credit my GS credit card account and I never got my refund check for the over payment.
Product: Student loan

Navient/XXXX is prohibiting me from deferring my private student loan as I pursue my XXXX degree at the University XXXX XXXX XXXX in XXXX, PA XXXX. They are claiming that because I worked between my XXXX ( when the loan was initiated ) and XXXX degrees, that two different in-school loan-deferment types applied and that the deferment type applied during my XXXX degree has a four-year time limit ( which is nowhere to be found in my loan disclosure documents XXXX. Getting a XXXX degree have different timelines depending on your research area. 

NavientXXXX made me go on forbearance having me pay {$50.00} per XXXX months XXXX after each one expired ), because they said that it was my only option. Then, after XXXX forbearances and collecting {$200.00} later, they denied any further forbearance applications because they claim that there is a 12-month forbearance time limit, which again is undisclosed ( i.e., not in any communication documents for the forbearance ). 

I was then forced to take an unsubsidized Stafford loan -- -at a higher interest than the private student loan -- -in order to start paying off the NavientXXXX loan XXXX I am paid a stipend that only covers my daily living expenses and, thus, unable to start repaying my student loans. XXXX The purpose of in-school deferment is to defer the loan payments because the borrower is in school and earns little to no money to start paying off loans. Note that Stafford loans work this way and do not have different types of loan deferments and have no arbitrary time limits. XXXX The latest communications I have with NavientXXXX about my in-school loan deferment ( around XXXX 2014 XXXX resulted in their collections department representatives verbally harassing me that I needed to start taking responsibility for my loans, even though I am not in loan default. These phone calls should be in their recording archives, and I would be shocked if their XXXX XXXX department is not appalled by what they said to me. ) Navient/XXXX has made up these arbitrary time limits while my loan is still active. All the documentation they provided me do not have these arbitrary time limits. These arbitrary time limits are not in my loan disclosure statement, in particular. 

In addition to getting the financial matter resolved, I am requesting CFPB to investigate Navient/XXXX business practices on managing private student loans. 

( P.S. When I first paid a bulk of my private loan using my new XXXX loan in XX/XX/XXXX 2014, Navient did not honor my loan-disclosure right to partially payoff my loan. They instead held on to the bulk money and put my account on a pay-ahead status, deducting only what is due every month from the bulk money that they held. It took over XXXX months of phone calls for them to implement my loan-disclosure right to partially payoff my loan. Dealing with Navient is the most frustrating experience, and I hope that CFPB will investigate their practices to avoid any other student to go through what I have gone through. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I see that Discover Bank claims I had a personal loan with them ... .which is COMPLETELY untrue. 

My credit report does not even reflect the address I have lived at for over 10 years so there is NO WAY this account is mine. 

I have gone back and forth with Discover and they have done NOTHING to fix this. I just get a message if they tell me to wait for a call from their Executive office and noone has EVER called. 

The number they gave me is XXXX But I have yet to reach anyone. 

If this account is going to be reported, I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If they can not provide me with this information, I request they please remove the accounts.
Product: Mortgage

Please investigate mortgage loan application # XXXX with Guaranteed Rate. The loan officer, XXXX XXXX and his boss, XXXX XXXX have refused to following federal/state guidelines concerning employment and grant assistance. Specifically, XXXX and XXXX XXXX XXXX, 2016 responses regarding XXXX full time employment requirement are inconsistent with the XXXX income regulations. Guaranteed Rate has misled me ( and Seller ) with pre-approval process. The company has discriminated against me by refusing to honor Indiana 's XXXX XXXX XXXX assistance program. In reliance of Guaranteed Rate 's misleading statements and invalid pre-approval documents, I spent {$450.00} on appraisal fees, and {$3000.00} in down payment expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Acct number XXXX is in violation of my privacy rights according to 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$260.00} XXXX  XXXX XXXX XXXX : {$290.00}
Product: Payday loan, title loan, or personal loan

I wanted to look at the rates for a personal loan. Upon reviewing the terms everywhere it had listed a No impact to credit and soft credit inquiry. Once I reviewed the offer and the TIl, I was expecting a hard inquiry disclosure to be visible and clearly identified as Thai wouldve been the final step. However it was hidden within numerous bullet points. It is very predatory and deceptive. They made sure to highlight everywhere that its a soft inquiry and yet when it a hard inquiry that is hidden and not shown with any disclosure. I asked the company to cancel my loan as I did not agree to the loan terms or viewed the loan agreement. It was not visible to me at all. 
Date XX/XX/21.
Product: Credit reporting

See attachments. 

Experian does not have the proof document. They are using tactics to defer and delay. 
They have my personal proof of ID on file. We went over this many times. 
Why are they allowed this? 
Who can I seek out to get help?
Product: Credit reporting or other personal consumer reports

I am listing accounts that need to remove the late payment history. 

Items that need attention : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late/Open XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$8400.00} Late/Open XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3600.00} Late/Open XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$3000.00} Late/Open XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$4200.00} Late/Open
Product: Credit reporting or other personal consumer reports

Why I not receiving responses from the XXXX bureaus? I remember I send my dispute letters last month it's been 30 days and I NEVER received any response. Please make an action now or else I will file a case. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are reporting, a bankruptcy on my consumer report and they have put in the data furnisher as ( XXXX BANKRUPTCY XXXX ), of XXXX XXXX which is false. I have attached a letter from the ( XXXX BANKRUPTCY XXXX ), of XXXX XXXX verifying and stating that they do not furnish information to the consumer reporting agency or any credit monitoring service, nor do they validate or verify any information concerning bankruptcy. 


XXXX, XXXX, and Experian falsely stated this information on my consumer file and have not deleted this information from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX****. ( Please see the pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

Over the past few months I have received multiple communications from Navy Federal Credit Union ( NFCU ) about a credit card debt they claim is owed. This complaint is due to the blast ant and continued violation of the FDCPA 1692 ( a ) ( 3 ) ( 4 ). Also NFCU continues to send these letters by mail and email that does not include the information that a consumer has the right to dispute. The last email was received on XX/XX/2020. In addition the envelopes that are sent has the insignia of NFCU. As a natural person I am requesting that there be penalties for these violations per the FDCPA 1692K. Also the company has violated the District of Columbia Response Supplemental Emergency Amendment Act ( emergency act 23-286 ) for initiating these communications during the public health emergency. A compliant has been filed with the Office of the Attorney General of DC.
Product: Debt collection

I have recently bellied up in a business endeavor over the summer which is leading me to have to proceed in filing for bankrucy. Both business and personal. I have lost everything this summer and barely can stand on my own two feet right now.

My federal school loan collectors have called me as much as 27 times one day. I have spoken to them numerous times that I am unable to afford and pay my school loan debt at this particular time. Unfortunately, the harassment and calls have gotten even worse.

I have applied for FAFSA as I am reapplying for college to finish my degree. I am o the cusp of filing for bankruptcy and I need these people to please leave me alone til I can get back on my feet. 

I have spoken with an attorney that has advised me to record and collect the daily harrassment, as well as recording calls ( when I do answer ) and emails that deem in an almost threatening kind of manner. 

My credit has been absolutely destroyed by defaulting on my school loans. I feel taking a federal loan for the prospect in obtaining a degree was a burden that has completely destroyed the next decade ( 7 years ) of trying to get a mortgage, or even to attempt to get a car loan in the near future. Without any credit, except reoccurring defaults, I feel destroyed.
Product: Credit card or prepaid card

I had receive a store card from XXXX ward through the mail with a card attached to an advertising magazine. The card limit was {$1000.00} limit. I misplaced the magazine with the card attached to it. The card was activated without my knowledge and a {$430.00} charge was made on the card. Wyen I realize the collection on my credit report, I disputed the collection on my credit report that was placed XX/XX/XXXX. I disputed the fraudulent and unauthorized transaction. XXXX XXXX then resolved the account after I disputed by charging off the account in XX/XX/XXXX,  instead of removing the account completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

On XX/XX/XXXX I XXXX XXXX XXXX endorsed a check made out to myself and PNC Bank N.A . The check in the amount of {$71000.00} was mailed out via overnight with XXXX. The issue is the check was for home repairs due to damage from hurricane 's Ian and Nicole. PNC bank was fully aware that I'm not responsible for the mortgage note but I am the primary on the homeowners insurance. The person responsible for the mortgage passed away last XX/XX/XXXX. PNC bank illegally sent the funds that were issued in my name and there name in the name of the deceased, that was not primary on the insurance. I XXXX XXXX XXXX have followed the proper protocol and have signed the necessary documents, stating the funds will go to the repairs of the home. I had absolutely no problem with them sending partial payment and requesting inspections be done. I spoke with several employee 's and none them seem very competent enough to handle the situation, especially since they can't seem to return phone calls and put you on hold for 45 minutes to an hour " RESOLUTION DEPARTMENT ''. This is absolutely horrific!! I've been to the branch several times hoping they were able to endorse the checks seeing as I have no business with them but when I was informed about the proper steps I would have to take, I did what was needed and they did what they wanted. My family and I have been fighting with the insurance company, which we are in litigation right now and the sad thing is I truly did not want to have to fight with PNC Bank to. The house is uninhabitable and we are living in our pool house with our three dogs. PNC is fully aware of the situation and not to mention we have contractors scheduled to start work but no funds to pay them.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : 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 INQUIRY XXXX XXXX XXXX XXXX XXXX Incorrect Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX EMPLOYER XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I admittedly fell behind on my loan due to a bevy of injuries I experienced over the last 19 months. Coupled with COVID-19, times have been hard. I tried to get ahold of my local Heights Finance branch, and not only were the representatives there extremely rude and condescending, but I got nowhere. Since Heights Finance has charged off my account and sold it, I wanted to negotiate a fair payoff of this loan in exchange for removal from my credit report, which is within the purview of law to accomplish. But I want the corporate office to facilitate this, because the people here in my home office are impossible to deal with.
Product: Debt collection

I had chosen to use Dividend Finance because it was easy for my remodeling contractor to manage his risk and because it seemed to suit my needs. The contractor did tell me that the interest rate was 9.99 % APR. Upon approval of financing, I received absolutely nothing from Dividend Finance describing the terms of this loan. 

I completed a welcome call with Dividend on XXXX XXXX. This call was completely devoid of useful information. On XXXX XXXX I received two letters from Dividend, each dated XXXX XXXX. Neither letter referenced a full account number. On XXXX XXXX, I typed the website noted into the letter into my browser. I opened an on-line account for me ( XXXX XXXX ) and one for my wife ( XXXX XXXX ). It was at this time that I finally obtained the full account numbers for the two loans : XXXX for XXXX in the amount of {$9600.00} and XXXX for XXXX in the amount of {$44000.00}. Both of these amounts were the agreed prices of the work done on my house. 

Since I had recently closed on a HELOC, my plan was to pay the principal balances of both loans in full immediately. It was at that time I discovered that Dividend Finance charged me {$450.00} interest on account XXXX, and {$60.00} interest on account XXXX. Given the date of the letter, I must surmise that the loan period began on XXXX XXXX. That must interest does not accrue on those amounts at 9.99 % interest in 10 days. I attempted to contact Dividend that day, but no one answered the customer service line at XXXX. I also paid the principal balances in full on both accounts on XXXX XXXX, which Dividend has acknowledged. 

I contacted Dividend again during the morning of XXXX XXXX and demanded an accountability of the terms and forgiveness of the debt, The customer service agent stated that interest began accruing when they paid my contractor, but neglected to say when that was, except that it was " about a month ago ''. Perceiving that the customer service was not empowered to make a decision of any kind, I asked to speak to his supervisor. He put on an extended hold, and then told me that a manager would call me later to resolve this issue. No manager ever called.
Product: Credit reporting or other personal consumer reports

Experian is willfully reporting inaccurate information that violates HJR-192 Public Law 73-10. Despite being provided with substantial evidence and clear information to rectify these inaccuracies on the credit report, Experian has negligently and deliberately failed to make the necessary adjustments. This blatant noncompliance and refusal to adhere to the law and congressional mandates are causing significant harm. Under the Fair Credit Reporting Act ( FCRA ), Experian has a legal obligation to ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Their failure to correct known inaccuracies constitutes a willful violation of the FCRA, as established in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Moreover, Experian 's continued reporting of inaccurate information, despite being informed of the errors, can be seen as a reckless disregard for their duties under the FCRA, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). Experian 's actions not only violate federal law but also undermine the protections intended by HJR-192 Public Law 73-10, which prohibits the reporting of late or missed payments as this is not possible. The failure to comply with this law, despite being provided with the necessary documentation, further evidences their intentional misconduct. I demand the immediate removal of all disputed information and the correction of the reported status. Failure to comply will result in legal action to enforce compliance and seek damages for the harm caused by Experian 's reckless and unlawful behavior.
Product: Debt collection

i sent payment in full on a debt for XXXX the payment was refused and she added on over 150.00 in fees and threatens to take more legal action against us
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complain for you to notify that I am dissappointed as I saw my credit file with such an erroneous items. Through the law 605b of the FCRA, im sending this letter for you to help me establish a legal course. Kindly adhere to the law. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was paid and canceled. I just want it removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : 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 -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX 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 an account without my written instructions.