23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient is the most disgusting company I have ever dealt with. Several times while I was attending XXXX University, Navient tried to dispute this fact, and then when I had to take a leave of absence from the school due to a chronic illness, I was able to negotiate an interest-only payment for a year or so but had to fight to get an additional year. 

On XX/XX/XXXX and XX/XX/XXXX, Navient sent an e-mail stating that the interest-only payment of {$24.00} would be ending, but I was NEVER given the amount of the modified payment. There was a conflict in information from customer service and my online statement as to the adjustment. I kept inquiring about other payment options because I am on XXXX but was told by Navient that I had no other options. Navient only divulged the modified payment of {$220.00} and due on XX/XX/XXXX while responding to a CFPB complaint about a week ago. 

When I received this information from Navient, I immediately called because I knew I would have to go into default because my income will not support this {$220.00} payment. I was told by a Navient phone representative on or about XX/XX/XXXXthat the only other option would be to file a XXXX waiver in which would be put in the mail and that I could not receive the form via e-mail. I kept waiting for the form to arrive via USPS ; however, it did not. I checked the online account on Thursday, XX/XX/XXXX, and discovered that I had a new document dated XX/XX/XXXX with the form attached. I, immediately, filled out the form and carried it to my oncologist on Friday, XXXXXX/XX/XXXX. That same day, I received a notice from Navient stating that I had a new document -- did not receive any notification of the XX/XX/XXXX notice. This XXXX waiver is misleading and counterproductive because it seeks a Permanent/Total XXXX and not for students that are on XXXX for XXXX XXXX XXXX. I am not sure why Navient refuses to negotiate a reasonably monthly payment. Hence, I have a similar loan with XXXX and have been making payments of {$82.00} without hardship for about two years. 

I can not understand the logic of this company. Navient is operating more as a payday loan company with these exorbitant interest rates, late fees, bad customer service, and unwillingness to modify payments. Expecting a student on XXXX to pay {$220.00} a month for a {$6000.00} ( now almost {$12000.00} ) student loan is lunacy, to say the least. My thinking is that Navient is seeking defaults.
Product: Mortgage

I am filing a 2nd complaint to the CFB. First, complaint was XXXX an there has been zero resolution. Unfortunately, the CFB did nothing to assist other than notify Flagstar I complained. The response letter I received from Flagstar was of an upmost joke. The office of presidents XXXX XXXX and XXXX XXXX have been unresponsive to numerous voicemails left asking for there time to discuss. I am now filing a second complaint because Flagstar is withholding an appraisal they received on XX/XX/XXXX. It is now XX/XX/XXXX and I have not received this even though in my contract it states I will receive any appraisal. They are now 4 days past the 72hr received mark. Beyond that there team keeps recirculating the same questions, questioning proof of funds for the initial land purchase when all documentation for there questions have been sent over in XXXX upon initial loan application, again in XXXX, again in early XXXX, again last week, again on XX/XX/XXXX, and again XX/XX/XXXX and as of today they are noting the documentation is not there and wont guide me to what will solve there questions. Beyond that XXXX XXXX who was an escalation POC prior to my first complaint has ignored all lines of communication since XXXX. I have relayed multiple emails, calls, voicemails with zero response. Furthermore, at this point they have shown extreme negligence, false claims, now breach of contract, withholding appraisal which I am beginning to believe they are withholding said appraisal as it came in at a value that was sufficient to fund, but they are trying to manipulate and get the appraiser to change this so they don't have to fund the project. As speaking with my agent she noted the appraiser had spoken with her about details of the build and both had agreed the comps on the appraisal fit the criteria of the build and where great comps. Now notation from Flagstar this morning states The appraiser is doing their due diligence to see if there are going to be enough similar sales available to provide a credible appraisal. There is a very real possibility we may not be able to obtain a credible appraisal on this property, all parties involved need to be aware of that. Thus leading me to believe they are trying to persuade said appraiser to change his original submissions. At the time I spoke with XXXX XXXX when I formally escalated internally to Flagstar I pitched my case and he was able to assist in moving things forward, but in that conversation he did mention grounds for getting a lawyer involved due to the circumstances at that time and that by doing so could give further resolution. Now as this loan progresses more than 3 months since that conversation, I feel the case is getting stronger to the negligence, false claims, now breach of contract, now withholding appraisal, and presumably appraisal fraud that the insertion of a lawyer may be in my best interest since the CFPB escalation path was unsuccessful the first time so I am hoping a second complaint will bring this head ache to a close.
Product: Debt collection

Collection Service Inc is attempting to collect a debt that has a service date of XX/XX/2012 for {$100.00}. They have not validated that I owe this but this debt is past the 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my husband and I were tremendously impacted by the pandemic Covid. As I understand it this is considered a natural disaster. Not only did I lose over XXXX XXXX of my income but my husband was also diagnosed with stage XXXX XXXX XXXX in XX/XX/1920. With mounting medical bills and a lack of income we have done our dead level best to stay current with everything that we have. It seems that accommodations have been madev for most on their credit reports however ours seem to be impacted. We have been consistently in contact with our creditors and paying as much as we can. I would certainly hope that there is some sort of compassion for the pandemic and a life-threatening illness where these remarks can be removed from our credit scores or our credit bureaus so we are not so severely impacted. I am attaching a picture of my husbands diagnosis with the XXXX XXXX  that were found On his colon after a clear XXXX only XXXX year before. He had done all the pre-requisite screening and the doctors are amazed by the anomaly of my husband having a stage XXXX XXXX XXXX with a clean XXXX  a year before. I would appreciate any help we can get
Product: Debt collection

New relevant information. Not a third party unauthorized. Not a duplicate. XXXX : THE ACCOUNT HAS BEEN UNDER DISPUTE SINCE I HAVE BEEN AWARE OF IT. IF AN ACCOUNT IS BEING DISPUTED YOU ARE REQUIRED TO COMMENT ON THE FILE THAT THE ACCOUNT IS UNDER DISPUTE. IT DOESN'T MATTER IF I DISPUTE DIRECTLY WITH YOU OR WITH THE CRA, YOU ARE REQUIRED COMMENT THAT IT IS UNDER DISPUTE. NOT COMMENTING OR REMOVING A COMMENT WHILE AN ACCOUNT IS STILL DISPUTED IS A VIOLATION IF MY RIGHTS. 

I WAS NOTIFIED ON XXXX THAT YOU REMOVED THE DISPUTED COMMENT FROM EQUIFAX. I WAS NOTIFIED BY YOU THAT YOU WERE WORKING ON MY DISPUTE ON XXXX. YOU VIOLATED MY RIGHTS BY REMOVING THE COMMENT. NOT ONLY IS THE ACCOUNT THE RESULT OF IDENTIFY THEFT, BUT BY REMOVING THE COMMENT YOU FURNISHED INACCURATE INFORMATION TO THE CRA, THIS IS A VIOLATION OF THE FCRA, AND FTC GUIDELINES. YOU HAVE CONTINUALLY SHOWN YOUR INABILITY TO FOLLOW GUIDELINES SET BY THE FTC AND THE FCRA, BY CONTINUING TO REPORT THIS FRAUDULENT ITEM AFTER BEING NOTIFIED THAT IT IS THE RESULT OF IDENTITY THEFT, BY CONTINUING TO REPORT AN ITEM AFTER BEING PROVIDED AN FTC ID THEFT REPORT, YOU DID NOT GET A DOCUMENT TO VERIFY WHO WAS OPENING THE ACCOUNT BEFORE EXTENDING CREDIT, AND YOU HAVE FAILED TO PROVIDE ME SAID DOCUMENT UPON REQUEST, DESPITE ME REQUESTING IT 4 SEPARATE TIMES, AND YOU CONTINUE TO VERIFY THE DEBT AS ACCURATE WHEN IT NEVER SHOULD HAVE BEEN OPENED IN THE FIRST PLACE AS IT WAS THE RESULT OF FRAUD. Attached you will find verification of claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to follow up you about the request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me. The items I'm questioning have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove/delete the following items listed below : XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Paid my Amazon prime visa bill down on XX/XX/2023 they put a hold on my credit limit. They claim because it was a large amount. Ive made large amounts before and they never held y credit limit, even after paying late. Ive called XX/XX/XXXX and asked about the hold and they stated because it was a large amount and they are wanting for it to clear but it cleared on XX/XX/2023 from my account and on their end, but it will be cleared on XX/XX/XXXX. Called again XX/XX/2023 and they said the same thing and said it will be off XX/XX/2023. Im being punished for wanting to pay my bill down it seems to me cause they been had the money, the money cleared the next day on both ends, so they are holding my credit limit hostage because I couldnt take the amount I owed them anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

approximately in XX/XX/XXXX i applied for credit through my local credit union, XXXX XXXX XXXX XXXX XXXX, and was denied credit due to bad credit bureau reporting from all three credit reporting agencies stated my loan officer from XXXX XXXX XXXX XXXX XXXX. my complaint is that the bad credit still looms with my recent free report from Experian. I am looking for help to improve my credit rating even though our student loans my have fallen behind in past years. The problem still follows me and am not able to get credit because of student loan delinquency in the past. Please help. 

Thank you XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. 
The list of accounts below has violated my federally protected consumer rights to privacy And confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 

15 U. S. C. 1681 Section 602 A, states I have right to privacy.

15 U. S. C. 1681 Section 604 A Section 2, States a consumer reporting agency can not furnish an account written without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting erroneous information on my credit report and negatively affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my civil rights according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Product: Debt collection

I have contacted each company various of times and i have gotten no where. On The Florida office of Financial Regulations this company licensed has expired and is illegally doing business in Florida as a collection agency.
Product: Debt collection

I have tried repeated times to get Cavalry Portfolio Services to verify the debt they say I owe, and they have not done so. I have made a identity theft / fraud complaint with the FTC. By law, they must remove any fraudulent information from the Credit Bureaus, as this fraud is negatively effecting my credit score and impeding my ability to conduct business in commerce. 

Cavalry has no contract with me, and can not sufficiently validate the debt they claim I owe, therefore they must remove this account from my credit report. - both XXXX and XXXX are reporting negative information on a debt that is fraud and is inaccurate which violates my rights to privacy and they are violating the laws that require them to report accurate information. This fraud must be removed from my credit reports at XXXX and XXXX Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX as a US Department of HHS covered entity improperly shared information with a third party about my medical/dental debt and services to ( XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX XXXX HIPPA notice to customers is attached. 

FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and has not been validated nor the original contract provided legally without violating HIPAA. My previous disputes with the CRAs ( XXXX, XXXX, and Experian ) have been ignored to date. 

Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting the continued unlawful reporting of private consumer information.

The account has not been validated after request and no HIPAA release has been provided to me for any of the medical debt and reporting of dental services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of title 15, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
Product: Debt collection

A third-party debt collector bought the debt, which was also collected/closed/charged off on the credit report. By law, this debt collection can not ask for debt payment. This is affecting my score negatively. The reporting of this account is incorrect as I still see a balance after the charge-off. I would like to urge the agency Phillips & Cohen Associates , Ltd. XXXX XXXX XXXX XXXX, DE XXXX. Phone # XXXX. Email XXXX to reinvestigate and provide all the missing information. Please explain why there is a past due balance while the report shows it as a charge-off. I'm sure this is a violation for me. All my credit report information and professional has been leaked and involved in data breach. 

Information shows : XXXX XXXX XXXXXXXX XXXX Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my credit report, a discovery of unknown inquires appear on my credit report. Due to not knowing who the person is who applied for each of these account I was advised by my local government to complete a FTC. The FTC then provided me to come here with the form to have the issue resolved. This is my first attempt at resolving this issues.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the lack of investigation and proper documentation provided by Experian regarding inaccuracies on my credit report. I have previously reached out to Experian concerning the discrepancies, but I have not received a satisfactory response or resolution. 

EXPERIAN : - XXXX  XXXX XXXX  - inquiry on XXXX My personal information was part of a cyber breach. This inquiry was not done by me or in my behalf and was done unknowingly with my personal information. 

- XXXX  XXXX XXXX  - inquiry on XXXX My personal information was part of a cyber security breach. This inquiry was not done by me or on my behalf. This inquiry was done unknowingly with my personal information XXXX : XXXX XXXX # XXXX : the account is not reporting properly on my report as this account is closed. 

XXXX XXXX XXXX : # XXXX : the account is not reporting properly. This account is closed. 

XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX Bank : # XXXX : the account is not reporting properly. This account has no balance and is closed. 
ALL INQUIRES FROM 2018 should be removed from my credit reporting with XXXX XXXX : XXXX XXXX Bank : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX : # XXXX : the account is not reporting properly. This account has no balance and is closed. 

XXXX XXXX # XXXX : the account is not reporting properly on my report as this account is closed. 

XXXXXXXX XXXX XXXX XXXX  XXXX this account is not reporting properly. This account has no balance as is closed. 

INQUIRIES FROM 2018 Should not be reporting on my credit report and should be immediately removed. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair investigation of the disputes I raise. However, I believe that Experian, XXXX, and XXXX have not conducted a thorough investigation as required. I have provided all necessary documentation to support my claim. 
All of these items are reporting on my credit report incorrectly and have not been investigated and corrected accordingly. 

I request that the CFPB assist me in resolving this matter and ensure that my rights are protected. I would appreciate your guidance on the next steps to take, and I hope to receive a response from you soon. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are old and need to removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THE ACCOUNTS REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATED INFORMATION as of XX/XX/XXXX EQUIFAX has violated me multiple times and is liable for damages. Good Faith in the banking system is dependent upon proper and accurate credit reporting and EQUIFAX has cause me to lose faith in the banking system. I am no longer willing to extend my credit as the original consumer and creditor if this matter is not solved and payment has been made. 

EQUIFAX had furnished a unauthorized inquiry on my reputation that i have disputed in XXXX and they have not verified accuracy in a timely manner and proper manner according to the FCRA guidelines and have not performed their Grave responsibilities in confirming accuracy under the FCRA. They claim they have investigated my claim but in fact DID NOT and are in violation of 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction this states they may investigate ONLY! through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer '' I want to know which personal interview they have conducted. Pursuent to 15 USC 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair and accurate to me. EQUIFAX allowed inaccuracies to be furnished on my consumer report. This act of Ill Will has caused me to lose confidence in the banking system and as a result i will no longer be extending my credit as the original creditor and consumer to anyone nor will i allow you to furnish a report on my behalf as a result. If you wish to do and continue to do business with me i am demanding you do what i say. I seek for paid remedy for damages under 15 USC 1681n and 15 USC 1681o for the total sum of {$8000.00} with additional violation under 15 USC 1681 inaccurate procedure of report investigation.. Pursuent15 U.S. Code 1681 ( 2 ) ( 3 ) - Congressional findings and statement of purpose EQUIFAX Is a Elaborate Mechanism who Assumed its roll collecting my information against my concent and right to privacy, Once again they have violated me under -1-. 15 USC 1681 -2-. 15 USCode 1681b ( 2 ) -3-. 15 USCode 1681e -4-.15 USCode 1681i -5-. 15 USCode 1681c ( 5 ) -6-. 15 USCode 1681s2 -7-. 15 USCode 1692j -8-. 15 U.S. Code 1692j
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 Social Security deposited {$880.00} in my current prepaid account, upon receiving deposit current prepaid closed my account and I have no access to my money, there's absolutely no customer service for me to talk too only online chat, I'm not the only one they've done this to, apparently it's a wide spread practice for this company to lock people 's accounts or close them with no way to access funds and no way to get any information, this company is running a major scam!!!
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against XXXX located in XXXX, GA ; EXPERIAN located in XXXX, TX and XXXX located in XXXX, PA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, XXXX, EXPERIAN AND XXXX has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of XXXX, EXPERIAN AND XXXX has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.