23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This complaint regards XXXX signature student loans disbursed XX/XX/XXXX and XX/XX/XXXX. The loans are currently held by Navient XXXX XXXX XXXX. 

I am currently in school at University of XXXX XXXX XXXX XXXX in XXXX, New Hampshire. I entered this school XX/XX/XXXX. Each year, I filled out a new deferment form for my prior student loans. This fall, I had to do the same. 

I went onto Navient 's website and printed out the required deferment paperwork. I had my registrar complete the paperwork and fax the documents to Navient. Navient 's website says that deferment requests may take up to 21 days to process. I waited the three weeks. The website continued to say that I needed to make payments. I never received even a letter or an email confirming or denying my request for deferment. I occasionally got a message from my parents that Navient had called, always during school hours, but had refused to tell my parents why they were calling. I had my parents inform Navient when the company called that I had sent in a deferment request, but they would n't accept the message. 

I repeated the process, having my registrar send another deferment form, in case the first one had failed to successfully reach Navient. Again, the website never acknowledged the deferment request in any manner. I did not receive an email or a letter regarding the matter. I called Navient, and the automated message said that the deferment request was pending. When I finally got through to a human being, they told me, for the first time, that my loan was no longer eligible for deferment ( apparently I had used the allowable 48 months ). 

This information was not available online. This information was never conveyed to me by email or letter, even though I received numerous other letters and emails indicating that payment was due unless I enrolled in deferment or forbearance. And every attempt to contact me by phone occurred during school hours with Navient 's representative refusing to leave a message. 

It should have been so difficult to find out that my loan was ineligible for deferment, even though I am still in school. It was unreasonable for Navient to fail to respond to XXXX separate faxed deferment requests. 

If not for this asinine process, I would have made my payments on time. I would not have incurred late fees and the added interest. 

XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXXXXXXXXXX
Product: Debt or credit management

They offerd a refund if you opted out of there new system, and would forfeit any rewards from pending litigation. I took them up on their offer 6 Mos ago and have not received a refund.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning the repeated issues I have encountered with the delayed correction of my payment records on my credit report. Despite my previous attempts to resolve these matters, I have faced ongoing difficulties which have not been satisfactorily addressed. I have submitted corrections for delayed payments on multiple occasions. Despite assurances from your team, these corrections have not been reflected in my credit report in a timely manner. This delay has adversely affected my credit score and my ability to obtain credit on favorable terms. Under the Fair Credit Reporting Act ( FCRA ), the Credit Bureuas are obligated to ensure the accuracy of the information you report. The continued presence of these inaccuracies is a violation of my rights under the FCRA. Please help me correct the late open accounts immediately : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5900.00} ; XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$2500.00} ; XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX Balance Owed : {$360000.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the Equifax breach and I feel my information may have fallen into the wrong hands. Please delete immediately.
Product: Debt collection

XXXX XXXX. 

On XXXX XXXX, 2016 Banco Santander forwarded a letter to me advising me of a second notice of payment. This letter was given to my son by a neighbor which we do not know, because it was placed in their mailbox incorrectly. 
The issue is that Banco Santander violated my privacy by providing in clear view inside the address window my full name, address, the reference being a personal loan, including my account number, the total amount due for the loan, and that it was a second notice. 
This violated my rights by a financial institution by providing in open view private information that should have not been previewed in plain sight. 
I made contacted Banco Santander on XXXX occasions. XXXX XXXX ( supervisor ) on XXXX/XXXX/2016, And XXXX XXXX @ XXXX XXXX XXXX XXXX, XXXX. As of this date my financial institution has not return my calls made any attempt to contact me nor provide a resolution to this date. 
This issue openly embarrassed me in front of my neighbors, and my children. I formally request an investigation, and fines to correct this abusive practice by Banco Santander. Enclosed are pictures of the envelope as received.
Product: Credit reporting, credit repair services, or other personal consumer reports

American enterprises illegally reinserted the account # XXXX in my XXXX  credit report on XX/XX/2020. This account have almost 7 years old. For that reason I sent a registered letter on XX/XX/2020 # XXXX requesting validation made pursuant to the Fair Debth Collection practices Act and Fair Credit Reporting Act .Not receiving any reply in 30days by American enterprises I decided to send a second registered letter in XX/XX/2020 # XXXX, requesting again validation documents with a copy of any viable evidence bearing my signature, showing the account is being reported accurately .On XXXX XXXX they sent a copy of statement that does not have any signature of mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never heard of nor had any contact with this company that has accessed my credit file. 

Please remove this from my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that there were inaccurate accounts on my credit report. 

XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.

I contacted Transunion LLC and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and i requested specifically the alleged original application bearing my signature and they have to been able to provide such proof to me.

This is a violation of the fair credit reporting act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Bank account or service

At approximately XXXX, I received XXXX email from USAA Bank informing me that had changed the password and pin number for my checking account. Per USAA employee XXXX this was done because someone called in claiming to be me and told them he was on a trip to XXXX via XXXX and needed to obtain some extra cash, however, when he tried to use his debit/credit card at an ATM there were problems. The times on the XXXX emails I received from USAA were XXXX and XXXX, XX/XX/2016. After the bank made the requested changes this individual made XXXX withdrawals of over {$700.00} between XXXX and XXXX. 

The process when you call USAA ( process they put me through ) they ask for my account number or my social security number. Then they ask for the last XXXX digits of my social security number along with my password ( my wife does n't even know my password ). Sometimes they ask for my pin number. Then when I get to an agent in the department I want we go through this process again. How did this individual have all of my personal information? 

XXXX, the USAA person I initially dealt with at XXXX told me the individual had taken out {$450.00} x XXXX. By the time she passed me off to XXXX, she had raised the amount of the withdrawals to {$710.00} x XXXX. It was only when I check my online account register that I learned the actual amount taken from my account was {$720.00} x XXXX. The online account register does not show the location of the ATM used to withdraw the money. After USAA returned my money to my account. I followed the advise of my attorney and set up a new account here in XXXX XXXX, Arkansas and began via ATM withdrawals transferring my money to my new account. AT NO TIME did USAA allow me to make more than one {$600.00} ATM withdrawal a day. 

From the documents I have there are significant questions as how this could happen with such a supposed high quality organization as USAA Bank. This gives me the impression this was an inside job.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete all accounts and inquiries listed below from my credit file, pursuant to the provisions outlined under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) due to my victimization in a recent data breach.

Please ensure that all of the following accounts are blocked, deleted, and marked as " fraudulent '' on my credit report : Accounts to be blocked and deleted 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I had a procedure done last year at the XXXX XXXX, in XXXX XXXX, MO. I was approved with a line of credit thru Green Sky. They procedure didnt meet my expectations, nor really any customers at that. Less than 6 months later their doors are shut, closed out of business. This place is not legit.. I was told if I didnt like my results to come back, however they are now longer in business and I feel I should not need to pay for XXXX service. I have told the place of treatment this as well as Green Sky, I am disputing this collection. They are no longer in business for a reason of unsatisfied customers and complaints, which I am one. Please see you can help dispute and resolve this matter. Please take off my credit as it is hurting my score. I make the money but I refuse to pay for service that didnt work and when I tried to reach back they were out of business. Thank you in advance, XXXX XXXX
Product: Credit card

I scheduled a credit card payment for my Costco Citi Visa Card to be paid on XXXX XXXX, 2017 in the amount of {$6700.00} which was the statement balance on the card. On that day, XXXX XXXX, 2017, I received an email from Citi stating, " We reduced a recent payment of {$6700.00} to {$3900.00} from XXXX XXXX, 2017. When a payment exceeds an account 's balance, plus 7.5 % we reduce the payment to the balance on the day we withdrew the funds. I immediately called Citi card processing to inquire about the e-mail and actions they 've taken. The representative I spoke to expressed that {$6700.00} will be debited from my checking account as that was what I scheduled. On XXXX XXXX, I noticed that Citi debited my checking account for the {$6700.00} and the {$3900.00}. Per most recent statement, I was only required to pay the statement balance of {$6700.00}. I called Citi again to figure out what happened and to get my money back as I did not authorize the payment of {$3900.00}. I demanded that I get the {$3900.00} back and the representatives told me that I wo n't get my money back until 3-5 business days. I got passed around to 3 or 4 the Citi representatives until I spoke with a lady named XXXX XXXX who claims that she is the Executive Analyst with Citi Credit Card. She said that she will file a claim on my behalf and make an effort to get my money back soonest. She said that she will reach out to their refund department at her level to " escalate '' the issue. All of the representatives I spoke with agree that it was not my fault as I scheduled a payment for the statement balance and their system somehow collected an extra payment. I XXXX XXXX to give me an update soonest via e-mail ; I have not heard from her. Long story short, Citi took funds from my checking account without my authorization even after I spoke with their representative to ensure that only the payment of {$6700.00} get debited in my checking account and they wo n't give it back until 3-5 business days.
Product: Checking or savings account

on XX/XX/XXXX shortly before midnight my Ally Bank checking account had a charge posted to it - pending - for {$1800.00} from " XXXX XXXX '' in XXXX, XXXX. It completely wiped out the money in my account. I called Ally Bank immediately and told various representatives about the fraudulent charge. They said they could not help me until it was posted. I asked that they put a fraud alert on my account and cancel the card which the charge came through. They said they would handle both. On XX/XX/XXXX when I checked my account in the morning, the charge was gone. And my new debit card arrived yesterday XX/XX/XXXX. But a short while ago my account was charged again {$1800.00} by " XXXX XXXX '' in XXXX, XXXX! And it posted! I called Ally Bank and asked how this could have happened - I have a new card, there was supposed to be a fraud alert on my account - it was a charge from the exact same scammer! My account is now hundreds of dollars below zero and Ally Bank says it needs to investigate the matter and they do not know when I will get my money back! This never should have happened a second time! I need urgent help please. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX ( Original Creditor : 11 XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

Account cased 13 days after opening and including equipment returned with receipt within 13 sldays. This debt is for an early termination fee. I do not owe with verizon.
Product: Student loan

Under Navient, I was never informed of the public employee forgiveness program, nor was I informed of income driven repayment options. I have been accumulating inters for years on a loan that I did not know had alternative options. As a public employee, for nearly 10 years I could have paid at almost to the point of forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I believe I am one of the affected people from the security breach that happened with Equifax that happened XXXX 2017 as I have discovered from their website, https : //www.equifaxsecurity2017.com/ Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Product: Debt collection

This was on an account that is over 2 years old. I moved from one place to another. I cancelled my XXXX account and asked them to send me a box to send their equipment back. It took XXXX different boxes to send it back. When I did I got a receipt and kept it. I still have it. This is the second time that I am having to dispute this on my credit report they just keep sending it back to collections. I am very upset about this. I do n't owe them anything. They even said I did n't and sent me back a refund check with there apologies. How does this keep happening?
Product: Credit card

Someone hacked my chime account and stole over {$400.00} and the bank refuses to give it back to me
Product: Credit reporting or other personal consumer reports

I have been very patient with XXXX and have requested them to remove inaccurate information from my credit report that has implications for fraudulent activity. This is the fifth time I am bringing this matter to your attention, and I don't have the words to explain how disappointed and frustrated I am. Dealing with people and systems that are purposely directed towards innocent individuals, treating them like trash and ignoring them, is unacceptable. This has gone far enough. This has to stop now, especially with Experian, XXXX, and XXXX. 

If you graded them as criminals, they would be the worst of the worst. Their actions have kXXXX  so many people 's hopes and dreams and, in some cases, might have caused divorces, murders, and even suicides. Their corrupted actions only benefit the richest corporations and have actively been labeled above the law. Is that really happening? 

All information provided to the Bureau or the Commission, whether orally or in writing, shall be treated as confidential and not publicly disclosed until the Effective Date. This will be mentioned to the attorneys I am going to hire to sue and pursue punitive damages for the duration of the combined efforts accumulated over the last year. I was hacked by a hacker and lost over {$300000.00}. Now we know how they get their informationemails, passwordsall because of negligence and greed. Hope you are ready to pay again. This shouldn't happen to anyone. How do you recover from a loss like this? I have lost everything, and I have to live with that. I don't think you realize how much anger has built up. 

I would like Experian, XXXX, and XXXX to please remove all the negative, inaccurate, and unverified information. Especially the charge-offs that are not supposed to show any balances and have been fraudulently added after being removed correctly. The creditors have already committed fraud by not removing them since they had their time to send the 1099c, and it has been sent to the IRS as 1099a. If anyone like you or I lied or stole money at that level, we would see prison time for sure. Above the law, you would think. Is fraud a crime or not? 

And next, please remove your own fabricated hard inquiries. If the consumer does not receive any funds from the transaction, why are you adding them back on after removing them? Sneaky, like you know you are breaking the law, like adding more apples to the bag that was already weighed and packaged equally, then expecting to pay the same price for stealing. I hope you find it in your hearts to give a little back sometimes instead of taking every drop you can like spoiled, entitled brats. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX, XXXX 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 not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Per code USC 1681c-2 A consumer reporting agency shall block the reporting of any information in the file on a consumer that the consumer identifies as information that resulted in an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

Per accounts should not be furnished on my consumer report as they are a VIOLATION!!!! PER, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject subsection ( c ) any consumer reporting agency may furnish a consumer report under the existing 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 all accounts listed IMMEDIATELY! 

In accordance with the Fair Credit Reporting Act XXXX Acct # : 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 an account without my written instructions.

15 USC 1681- XXXX XXXX Account number XXXX. A Charge-off is considered income ( according to the IRS ) Income is forbidden to be on a credit report per 15 USC 1581 2Ai - no transactions or experience are allowed to be on a credit consumer report.

I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report Account Name : XXXX XXXX  Account Number : XXXX Consumer reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum accuracy. 

I contacted XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature. They have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof.