23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been struggling to repay my student loans. Over the years my student loan company Navient has insisted I pay more than I can afford, this has forced me to request deferments. I was unemployed for 4 years and requested deferment at that time, however when I attempted to start payments again the company insists that I pay such a large percent of my income, it makes it impossible. Right now they are insisting I pay {$1000.00} a month! I need a flexible payment plan so I can afford food, gas, tolls and rent, not to mention be able to go to the Dr. once in a while-I have not been to my PCP in over a year. I am requesting to start with a monthly payment of {$250.00} to XXXX a month and then I can increase the amount next year. If my car breaks down, I have no way to fix it and get to work with this large amount they want. They set borrowers up for failure. And on top of that the website mentions nothing about student loan forgiveness, there is no drop down box for that-I am a social worker and have been one for going on 15+ years now. The high amount they want means I can't make consistent payments to qualify for student loan forgiveness! Right now that program only allows you to get your loans forgiven if you make consistent payments for 10 years-another barrier. Please help. Thank you.
Product: Credit card

I'm going through a financial hardship and I can't make my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX : {$940.00}
Product: Vehicle loan or lease

This is a recontact from previous CFPB complaint ID XXXX. Chase indicated in that response that " they are unable to process payments from my XXXX account as it is neither a demand deposit account nor a checking account ''. This is a false and inaccurate statement. My XXXX account is both. I have my payroll direct deposited there, it as an account number, a routing number. I have numerous other bills set up as auto pay through that account and no other company has ANY issues pulling my monthly bills. Additionally, Chase is false as they HAVE pulled from this account on numerous occasions. Given that sometimes I have to call and practically beg the reps to do it causing delays. They just ca n't seem to get it right. Additionally, they stated that they tired to process payments from the XXXX XXXX XXXX. This is also a false statement. I have confirmed with Chase on multiple occasions that they were provided the correct account information to pull the payment. Also, I have followed up with XXXX who confirmed that at no time nor on the dates Chase provided did Chase submit any such payment requests to them. Chase is being dishonest in an attempt to collect additional fees from me and they are destroying my credit as well. I should not have to pay over priced XXXX XXXX fees just to make my payments when Chase offers the option to pay online and ca n't seem to process my payments. I have attached proof that Chase has pulled from my XXXX XXXX account over the last few years. They make this process difficult for me as they can charge me daily on my late payments. They have taken advantage of me over the years due to me being a single mother. I have told them over and over again that I am on a tight budget and their constant inability to pull my payments and charging me additional fees and reporting negatively to the credit bureaus hurts me and my family. They do n't seem to care. They need to fix this. They are being dishonest. I want my credit fixed, I want their assurance they will pull my payments as scheduled and I want a refund of late fees and my last XXXX XXXX fee. I am not scheduling anymore payments with them until this occurs as it is XXXX to do so, they do n't process them anyways. Please fix this CFPB.
Product: Debt collection

I have been requesting validation of debt since XX/XX/XXXX, XXXX convergent outsourcing have not Verified debt is mine/I owe them money. 
I have sent 4 letters requesting proof. 

The first letter sent was XX/XX/21 The second letter sent was XX/XX/21 The third letter sent was XX/XX/21 The fourth letter sent was XX/XX/21 I asked for proof of licensure They are not license to even collect debt in Illinois. I have sent all this information to XXXX  And they have ignored every document sent. 
Im sending all documentation to states attorney general/ cfpb /FTC. 

I am filing this document for further proof moving forward ..... 

I want XXXX  to remove invalidated debt from all XXXX  and all background agencies, immeadiately.
Product: Vehicle loan or lease

In addition to charging 22.99 % interest, which I thought was usury and therefore illegal, Credit Acceptance has added over {$500.00} to what I owe, and refused to explain why. I openly entered into the agreement, so I am not looking for a remedy for the crime of usury. 
I have been making extra payments nearly every month for eleven months. According to several amortization calculators that I have used I should owe {$820.00} effective XX/XX/XXXX. According to the person who I spoke with on the phone on XX/XX/XXXX, my payoff balance as of XX/XX/XXXX will be {$1300.00} and will continue to increase until paid after that date. 
I previously called and asked for a breakdown of what I have paid and what portion of the payments went to interest and what part to principle. They sent me a list of the payments that they have received. It agrees with my records, but they did not explain the difference in our calculations of a payoff amount. 
I think I made myself more clear to the person I spoke to on XX/XX/XXXX, and he refused to send me any additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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

I applied for a mortgage on our rental home and have received roughly 100 mortgage solicitation calls in 2 days! I have to keep my phone on silent because it is constant. Ive also received numerous solicitation texts as well. It is my understanding that the 3 credit bureaus sell my information to solicitors. This is absolutely harassment. This must stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXXXXXX XXXX  XXXX Account : XXXX In accordance with the Fair Credit Act XXXX  Account has # XXXX has violated 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 consent.
Product: Checking or savings account

I use to have a Business Checking account with B of A a while back and closed it due to fees. I than closed all accounts with B of A. 

I reopened personal checking accounts and credit cards with Bank of America and the XXXX XXXX dashboard appeared on my online access to my personal checking accounts. 

I have notified Bank of America numerous times of the Business Dashboard appearing on my personal checking side and they stated it went to be sent to IT to fix, they have failed to resolve the issue. 

I did apply for a Business credit card but no other Business products. and I had to enroll to gain access to that account with Bank of America. 

I still would see the Business advantage dashboard on my personal side and called Bank of America, To remove an old Business account that is now associated with my personal checking, B of A has failed to resolve the issue. 

And now that I have an attempted fraud charge on my Bank of America personal debit card, I have zero access to lock my debit card because I am being told I dont have a personal checking account online? I have 2 separate online IDs for my personal and business credit and yet I am being told I dont have an online personal account?
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I issued a check from my investment company Robin Hood in the amount of {$4700.00} to be made payable to XXXX XXXX XXXX XXXX XXXX. This check was made payable to pay off my auto loan In full. The money was successfully deducted from my investment account. On XX/XX/2021 the check was returned unpaid from XXXX XXXX. The money was never returned back to my Robin Hood investment account. Robin Hood stated when I asked them what happened to my money upon review, we verified that youve attempted to deposit the check multiple times. The check was endorsed twice and the first one was successfully deposited by XXXX XXXXXXXX XXXX on XXXX while the second endorsement was returned by XXXX XXXX finance. I retrieved a copy of the sequence from Robinhood and the money was successfully deposited into a bank account through XXXX XXXX  XXXX on XX/XX/2021. I have the sequence number the bank account number but when I called XXXX XXXX XXXXXXXX they would not disclose any information to me as to where my money went. I have been in contact with Robinhood, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX but nobody will trace what happened to my money. I have lost {$4700.00} and can not receive any assistance from anybody.
Product: Credit card or prepaid card

My partner and I were scheduled to fly to XXXX from XXXX XXXX in XXXX at XXXX on XXXX XX/XX/2022, and arrive in XXXX at XXXX. XXXX XXXX cancelled the flight less than XXXX hours before takeoff when we were already on the way to the airport. When we arrived, there were no other available flights to XXXX that day or the next. We were told by the XXXX XXXX staff that there might be a flight to XXXX XXXX days later. 

We were told we had the option to book alternate means of travel and request reimbursement later, as according to XXXX XXXX 's cancellation policy. The only other flights out of the airport that day were XXXX flights to XXXX, and XXXX flight to XXXX. The flight to XXXX was also operated by XXXX XXXX, and would allow us to catch a second XXXX XXXX XXXX to XXXX from XXXX, and arrive at XXXX on XX/XX/XXXX. Since we had hotel reservations in XXXX and a flight to XXXX XXXX from XXXX, we decided to rebook the flights ourselves. My partner and I filed for compensation for the cost of the new flights, meals we had to purchase while waiting in the airport, and the statutory cancellation compensation. 

XXXX XXXX denied all of these expenses on the ground that the flight was cancelled due to " extraordinary circumstances. '' XXXX XXXX has not replied to repeated phone and email requests for more information as to what these " extraordinary circumstances '' were. There were no XXXX XXXX labor strikes, extreme weather events, or anything else that could be classified as extraordinary that day in either XXXX or XXXX. In fact, XXXX XXXX flew their own plane from XXXX to XXXX with us on it, and then into XXXX later that night. We were never able to take the original flight which cost {$100.00}. The first leg of the replacement flight cost {$450.00}, which the XXXX XXXX staff at the airport told us would be reimbursed. Their only grounds for not reimbursing us is that the flight was cancelled due to extraordinary circumstances. Yet, they have not even provided a cursory observation of what those circumstances might be. 

I disputed the cost of the new leg of the flight with Capital One on XX/XX/2022, as it was clearly covered by XXXX XXXX 's cancellation policy. On XX/XX/2022, Capital One rejected my claim because I had indeed taken the replacement flight, which was obviously not the point. They said I could appeal by submitting documents detailing the purchase and XXXX XXXX 's cancellation policy. I appealed, and the appeal was rejected on XX/XX/2022. Capital One 's appeal decision stated that I had not provided the requested documentation. I had however provided documentation, and when I tried contacting Capital One to find out what was missing, they were unable to provide any answer. The manager I spoke to admitted that the plain language of the XXXX XXXX policy should cover the new flight, but that XXXX had rejected the dispute. When I asked for even a basic explanation, the manager would not provide one. He also would not allow me to appeal again, provide new information, or give me any contact information for the team at XXXX he claimed was responsible for the decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that there are unauthorized inquiries in my name being used on my credit report and would like to file a dispute. This information is unauthorized and I do not approve for it to be reflected on my credit report. I believe that I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my report. I am insisting that they be deleted from my credit report as soon as possible. This fraudulent activity is impacting me negatively with creditors. I have reported the theft to identity theft 's FTC. Please review enclosed copies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, there is an unauthorized inquiry from American Express on my XXXX XXXX credit report. Let it be clear, I DID NOT APPLY for an American Express card! Nor did I receive any letter from American Express. XXXX XXXX and American Express illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the FIFTH TIME I am addressing American Express EGRIOUS NEGLIGENCE! After the XX/XX/XXXX CFPB complaint, I received letters dated XX/XX/XXXX from American Express stating that my application may have been declined in error. We apologize for any inconvenience this may have caused. What does American Express not understand? I DID NOT APPLY FOR AN AMERICAN EXPRESS CARD! Any application American Express received was unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( TransUnion, XXXX and XXXX ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage 3 & 8 and now 9 is in effect. This system acts like the mob and if they can't get it together the courts will .... I had enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting this debt as an open acct on my credit bureaus but the acct was charged off in XXXX. This company is also still charging interest on a charged off acct and also reporting this account as a mortgage account when it's actually a home improvement loan. I have called and talked to XXXX XXXX in XXXX, XXXX and I also in XXXX and my last attempt to settle this debt was in XX/XX/XXXX and also XX/XX/XXXX. I offered to settle the account for 50 % of the debt. This company is continuously reporting on the account and charging more interest which I know is illegal to keep charging interest on a charged off debt. I have notified XXXX, Trans Union and XXXX about the inaccurate information and the company claims this is accurate information. This company should get penalize for trying to deliberately destroying a person 's credit.The original contract was 60 months but they're reporting I'm 69 months delinquent. Every month still reporting
Product: Credit reporting or other personal consumer reports

I recently review copy of my credit report and notice i had fraudulents account on my credit report.Please remove these accounts from my credit report. they are hurting my ability obtain credit. 

SYNCB/AMAZON XXXX XXXX XXXX XXXX, 2023
Product: Credit reporting

I have disputed with Experian in XX/XX/XXXX and in XX/XX/XXXX with ftc affadvit and police report with utility bill, copy of id, and copy of report of identity fraud accounts reporting on my credit file and they responded with a credit report with the same info on it again. I also reported with the companies that were reporting and only a couple of them actually sent me notification that they will inform the bureaus to remove my info. I just checked again and even though there was no verification, the accounts remain on my credit file causing extreme distress and preventing me from refinancing my home loan. There were a couple of things that they said they verified but did not provide me of the info that they verified with. I told them that whatever they verified was not true because they were not my account!!! 1. XXXX Negative item- never heard of them. 2. XXXX Negative item 3. XXXX Negative item XXXX Negative item 4, XXXX. These were formerly disputed through your organization in XX/XX/2015 but you were unable to reach me because of change of phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 A States that I have the right to privacy 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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: Debt collection

Originally I was dissatisfied with service from XXXX internet service. Could never get anyone on phone. Eventually stopped paying. They sent it to collection with Southwest Credit. I wrote to XXXX XX/XX/XXXX explaining. Contacted Southwest Credit XX/XX/XXXX and we negotiated and I paid agreed amount. Now do not owe anything but Southwest Credit refuses to clear me resulting in a poor credit score as they have a " no deletion policy ''. This is bogus because although the account has been cleared this sits out there affecting my credit score and I want to refinance while rates are low. I am being adversely punished for something that has been taken care of.
Product: Debt collection

I was served through the City Court notice that Lowes was trying to collect a debt through law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I corresponded with one of the lawyers, XXXX XXXX, about my debt via email. He decided the pay off would be {$500.00} dollars by XX/XX/2017. I paid the amount and I have proof it was cashed. I have contacted the firm, and put in a complaint. They have not responded.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the accuracy of certain items on my credit report, as reported by [ XXXXExperian ] . This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ), specifically highlighting violations of : 15 U.S.C. 1681 Section 602 ( a ) : Right to Privacy - It is my right to have my credit information treated confidentially and disclosed only for permissible purposes. The accounts below have been reported without my written authorization, violating my federally protected privacy rights.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Permissible Purpose and Written Consent - This section mandates that consumer reports may only be furnished with the consumers written instructions. I did not provide written consent for these accounts to be reported, making the reporting unauthorized.

15 U.S.C. 1681c ( a ) ( 5 ) : Adverse Items Reporting Limit - This section states that adverse information can not be reported if it predates the 7-year limit. If any of the report
ed information exceeds this timeframe, it must be removed.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : Accuracy of Information - This section requires that furnishers of credit information only report accurate information. If there is any discrepancy in the reporting of these accounts, it constitutes a violation. 

The items I am disputing are : XXXX  XXXX XXXX Revolving Account # XXXX- Listed as a charge-off. 
XXXX  XXXX XXXX Revolving Account # XXXX- Listed as a charge-off. 
XXXX XXXX XXXX - Account # XXXX - Listed as a collection. 
I request a thorough investigation of these accounts to verify their accuracy and ensure compliance with FCRA requirements. If the investigation determines that these items were reported without permissible purpose or written consent, I ask that they be permanently removed from my credit report. 

Please confirm receipt of this dispute and notify me of the investigation results within 30 days, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear KIKOFF LENDING LLC, I am writing to address a grave violation concerning the unauthorized reporting of information to my credit report, as established by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), alongside relevant XXXX XXXX Missouri identity theft fraud laws. 

It has come to my attention that KIKOFF LENDING LLC has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a fundamental requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, XXXX XXXX Missouri law emphasizes the necessity of consumer consent for credit reporting, in alignment with FCRA regulations. Identity theft fraud laws within XXXX XXXX Missouri also underscore the severity of unauthorized access and misuse of personal information, highlighting the significance of protecting consumers ' rights. 

I assert with unwavering certainty that I have not provided consent for KIKOFF LENDING LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, potentially resulting in damage to my creditworthiness and demonstrating a disregard for federal and state laws. 

I demand, with the utmost certainty, that KIKOFF LENDING LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws in XXXX XXXX Missouri XXXX 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under FCRA regulations and XXXX XXXX Missouri identity theft fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that KIKOFF LENDING LLC will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX