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

Navient keeps adding balances to my loan account. This is adversely affecting my credit score. I am currently in the process of financing and their frequent updates are detrimental to this process. Navient did not have my correct contact information and I was not notified when my loan was taken out of forbearance.
I took out the loan in XX/XX/XXXX with XXXX XXXX/Navient for the amount of {$23000.00}, the school I attended was XXXX XXXX University in XXXX  Georgia. XXXX refunded XXXX XXXX/ Navient the amount of {$7700.00} on the date of XX/XX/XXXX. Then reducing my balance due to {$15000.00}. Navient failed to provide me with the paper work showing my reduced loan balance that was due. Navient failed to provide me with the paper work with my updated reduced interested rate, and they failed to update my account online ( navient.com ) reflecting this change to my account, my account never reflected the reduced balance, nor the reduced interest rate. Navient has continuously charged me an illegal amount of interest and fees. I had to contact Navient and provide them with my updated contact info only to be informed that my amount due is {$36000.00}.
I have been paying on this loan since XX/XX/XXXX- XX/XX/XXXX ( view paperwork it is highlighted ).
Navient has been reporting incorrectly to the credit bureaus as FAILURE TO PAY. Navient has been reporting the incorrect original balance of the loan.
Navient has reported the loan as closed/charged- off and has been continuously reporting false, fraudulent, incorrect information.
Please view the paperwork I have attached. It will show the payment history over the life of the loan to navient as well as my credit report that has the incorrect balance and payment history remarks.
I respectively ask that the dates from XX/XX/XXXX - XX/XX/XXXX be removed and set to current. I also want all loans older than 6 years off of my credit report, as that is more than the SOL ( statute of limitations ) for my state. I request this error be corrected ASAP ( AS SOON AS POSSIBLE ), as Navient is doing illegal collecting and reporting practices.
Product: Debt collection

I had a tablet that used data from XXXX back before my bankruptcy. It was a on-demand thing, so when I did n't use it there were n't any charges on my bill. I removed the SIM card from the tablet in the months before I declared bankruptcy while I was selling my possessions to pay my debts. 

Mind you, this thing was n't plugged in and I did n't have a contract. Somehow, XXXX started positive balance ( a credit on their books ) to a negative. My bankruptcy went through and I thought the matter was done with. Now, I 'm getting calls from XXXX, CA. A company called Diversified Consultants is attempting to collect on this debt, which is a piece of XXXX to begin with, but should have been discharged completely by my bankruptcy.
Product: Vehicle loan or lease

Upon returning my leased vehicle, over 60 days later ( which is the required period ), I received a letter with alleged damage to the returned vehicle. The alleged damage was not substantiated by fusion, and I fully contest all of it. Furthermore, the employees at fusion  are engaged in extorting as much money as they can. Different agents I spoke to gave different cost amounts for the same item. I tried to reasonably negotiate and settle. I filed and paid for arbitration with the XXXX XXXX XXXX XXXX. The response I got from them was, " Fusion Auto Finance, LLC failed to comply with the XXXX  policies regarding consumer claims. '' They therefore can not arbitrate with them and closing my case. Fusion still continues to call me and send notices.
Product: Vehicle loan or lease

Summit Financial never helped us recover this account at all. The customer service representatives we're very rude and always lied. I contacted the company through email multiply times to resolve my issues and even when the car was totaled what steps did I need to take next and still no answer. On my credit report they have it as a charge off and that is untrue. Summit Financial needs to fix my records or delete the record and its entirety.
Product: Credit card or prepaid card

I have to deposits hold for {$50.00} on XXXX, XXXX. the deposit was released back to me, but the merchant informed me that cashapp holds the money for 30 days. upon contacting cashapp I was asked to provide documentation, with company letterhead, dates, {$0.00} balance, contact info, last four of card info. I've provided email receipts, and physical receipts, cashapp is refusing these documents, but refusing to tell me why they aren't acceptable now. 30 days is to long to wait on " my '' money that has already been released to me.
Product: Mortgage

Loan Depot was my possible new lender. They have my FHA file and will not transfer it to a lender that I decided to go with. I have sent several e-mails and made several phone calls and nothing is being done. I need this file to be transferred to my new lender immediately and it only takes 3 minutes to do so.
Product: Credit card or prepaid card

I was charged a no-show penalty fee on my XXXX platinum card by the XXXX XXXX   Hotel for a reservation I made and cancelled at the XXXX  travel web portal. XX/XX/XXXX, I filed an online dispute with XXXX and uploaded a copy of the attached reservation cancellation. On XX/XX/XXXX, I spoke with XXXX at XXXX travel in XXXX, TX. XXXX acknowledged that the reservation was cancelled and that the penalty fee should not have been charged. On XX/XX/XXXX, XXXX left a voicemail message for me indicating that her manager XXXX had reviewed the account, contacted the XXXX XXXX and confirmed that the XXXX XXXX   would refund the penalty charge. 

In all my communications with XXXX I indicated that my statement closed at months end, and as such there was urgency to getting this matter resolved and the charged removed before the end of the month. The charged was not removed and XXXX  reported the account to all credit bureaus with the amount in dispute resulting in a negative impact to my FICO score. This resulted in my reported XXXX balance shooting from {$0.00} to {$540.00} even though that amount was the subject of an active dispute and Id been advised by XXXX travel that it would be corrected.

XXXX violated the Fair Credit Report Act by failing to report that the amount was subject to an active dispute.

In 3 years, this is the THIRD time I have been assessed a no-show penalty fee after cancelling a reservation through the XXXX   Travel web portal. This is evidence of a systemic failure of XXXX that  it had ample time to remedy just based on my complaints and correspondence.
Product: Mortgage

I have a Mortgage Loan serviced by " Selene Finance ''. I tried for about XXXX Years to get a HAMP Loan Modification. The Loan changed hands of Servicers but my application was declined multiple times. 
I was so frustrated with the process that finally I applied for a Short Sale in XXXX XXXX. This process went on for over a year .In fact the Buyer Offered more than a full offer but they declined the Offer. The Loan outstanding is about $ XXXX. The Buyer progressively increased the offer and his final ALL CASH Offer was $ XXXX. But demanding $ XXXX, Selene Finance declined the Offer, strangely Now, they have scheduled an Auction of my Property on XXXX XXXX, XXXX. I am left with no option but to re-instate the Loan or lose my house in Auction. I got their re-instatement quote of {$220000.00}, only yesterday, although I have been following up through my XXXX XXXX for about a month now. 
I am working very hard to arrange this sum. As it is a very large sum of money, I request your good selves to arrange to postpone the Auction by 1 more month, so that I can arrange this money.
Product: Credit reporting

XXXX XXXX/XXXX/15 I have disputed this illegal inquiry on my credit report more than a dozen times with Experian. Each time, Experian violates the FCRA and fails to investigate and correct my file. This HARD INQUIRY was not authorized by me, was made without my knowledge or permission, and was NOT FOR A PERMISSIBLE PURPOSE under the FCRA. The Statute requires Experian to delete this hard inquiry in the event it can not substantiate a permissible purpose, of which none exists. 

Yet Experian continue to violate the FCRA overtly, This is wrong, and I formally demand a further reinvestigation into their illegal practices. I can not prove a negative. The burden does not lie upon me. The FCRA was clearly written to protect consumers. How do I prove permission never existed? I can not prove a negative. And yet Experian continues to illegally report this hard inquiry. Under the FCRA, I am entitles to statutory damages of {$1000.00} PER INCIDENT in which Experian does not follow the law. 

Do I really have to sue? Or will the Bureau enforce the law and actually protect consumers? 

This hard inquiry MUST BE DELETED as it was not for a permissible purpose, and not authorized by me. 

I expect the law to be followed and this hard inquiry to be immediately deleted. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit card or prepaid card

1st Call - XXXX XXXX XXXX I got a text message saying a package was returned with a phone number to call, I called and spoke to " XXXX ''. She questioned whether I could tell when a text message was sent to me, she then proceeded to ignore me for about 60 seconds as I asked questions then come back talk over me, and ignore me for another 5 minutes, after that. 

2nd Call - XXXX XXXX XXXX Second I spoke to " XXXX '', who verified my information and then transferred me to " XXXX '' who was very rude, he decided I need to be verified again to put in a simple report against an agent. He then lied and said he didn't have any of my information. When I questioned that I had been verified by XXXX, literally standard procedure for your reps before transferring a call to a supervisor, and had entered my credit card number into your robo system he relented he lied and did have my info but wanted to verify me. So I told him I wasn't confident he was a Citi rep and that he should do an alternate verification method and asked him to text me a code to verify. He said " no '', we had to do it his way only, and that if I didn't he would hang up on me. I told him ok then hang up on me and I would write this report to the CFPB, OCC, FDIC, and Federal Reserve, and he said thank you for giving me permission to hang up on you and then he did. 

3rd Call - XXXXXXXX XXXX XXXX XXXX Then I called again and spoke to " XXXX '' who verified me, and when I asked for a supervisor she literally just hung up on me, no warning, no talking literally just ended the call as soon as I mentioned CFPB, FDIC, Federal Reserve, and OCC 4th Call - XXXX XXXX XXXX XXXXXXXX XXXX I called " XXXX ''??? who refused to identify herself, this is the 4th agent who has made it impossible to get anything done by my financial institution... She had people talking loudly in the background and told me my phone was the problem, the one I had just spoken to 3 other agents on. I proceeded to explain to her the situation and for her to just give me her name and let me talk to a supervisor and she started on some nonsense to avoid giving her name. 


Call # 5 I can not receive FedEx packages, in the interest of my best financial benefits, it is Citi and Citi Banks Fiduciary Duty to note to never send me XXXX packages as they WILL NOT be received, and the evidence of this is the returned package that has had me spending XXXX minutes on the phone with your agents and seems to be yet still unresolved.
Product: Debt collection

This is about two accounts : A few years ago I had two debts that were purchased by National Credit Adjusters. I was contacted by National Credit Adjusters. I received a voicemail that said they were looking for me and asking for my employer 's information because they wanted to notify my supervisor. Terrible things were said to me. They called me at my work phones several times. I was embarrassed and scared. They contacted family members and told them I had a debt. They told me the most intimidating threats. He left me voicemails that ended with '' good luck with your case ''. I made payment arrangements and paid this company and the original creditors a lot of money. I asked from National Credit Adjusters for my payment ledgers. They said they were not allowed to do that. All they did was send me letters telling me I had a lump debt and I needed to pay. The fees and collection tactics were abusive. I paid more than the fair fees. 

I received a call today. XX/XX/2019. The caller asked me what I was going to do about my debt. I am terrified I am going to start being harassed by this company again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 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 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: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter requesting a investigation because i flet the items is not being reported legally, and on XX/XX/2021 i received a letter stating that your investiagtion was complete. 

i requested a complete copy of all the information that was transmitted to the data furnisher as part of the investigation, as required by FCRA ; Who did they speak with? what was the date? the name? and the address? what number did they call? 

This inaccurate reporting has caused me severe financial and emotional distress.
Product: Debt collection

I received a threatening letter, arrest warrant will be issued today if you dont pay {$300.00} to us by end of day. I would have to purchase a prepaid card and send to them. By taking a picture front and back. Then the would send me a letter stating its paid in full ..
Product: Debt collection

I demand that this be deleted from my credit report effective today as I do not recognized this account, no knowledge and no prior contractual obligations with this company. You violated my rights rights under 15 USC codes sections XXXX d, XXXX f g of FCRA/FDCPA. Remove from my credit report. You violated XXXX of the FDCPA by engaging in conduct that the natural consequences of which was to harass, oppress, and abuse client in connection with the collection of an alleged debt and the collection letter you sent me which contains veiled and empty threats of legal action ; You violated XXXX of the FDCPA by its use of any false, deceptive, or misleading representation or means in connection with the collection of any debt when you engaged in, at least, the following discrete violations of XXXX ; You violated XXXX ( XXXX ) ( A ) of the FDCPA with its false representation of the character, amount, or legal status of any debt and the collection letter you sent me which contains veiled threats of legal action against me, the client ; You violated XXXX ( XXXX ) of the FDCPA by its threat to take any action that can not legally be taken or that is not intended to be taken when you sent me the collection letter contains veiled threats of legal action against me, the client ; You violated XXXX ( b ) of the FDCPA by engaging in collection activities that overshadowed or was inconsistent with the disclosure of the consumers right to dispute the debt with the language it used in the Collection Letter ; and You violated XXXX of the FDCPA by its use of unfair or unconscionable means to collect or attempt to collect any debt when you engaged in all of the misconduct alleged herein.
Product: Debt collection

Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over 30 days, I still have not received anything back According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 

This a violation of my rights.
Product: Debt collection

I was notified recently i was being sued for a debt that i do not owe. The debt was origination is from XXXX XXXX and was fraudulently opened. The collection company suing me is Hunt and Henriques. 

The original creditor was informed early 2020 that the account was opened fraudulently and should be removed from my credit report. After months of back and forth the creditor agreed to remove the account from my credit report and absolve me of liability. 

I strongly believe Hunt and Henriques and XXXX XXXX are attempting to scare me into paying the debt with this small claims suite . They are practicing predatory and illegal debt collection techniques. This should be investigated by the CFPB and appropriate action 's should be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXXXXXX Bankruptcy 2. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX 4. XXXX XXXX  I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  obtained my credit report that resulted in a hard hit against my credit without authorization from me to run my credit report. I've reached out to them concerning this matter and was assured that XXXX XXXX who obtained my credit report at their request on XX/XX/21 would go in to have the search/ hard hit removed! This has not happened resulting in my searching for remedial action. I have even received an email from the Sr Loan officer XXXX XXXX advising that he would get this cleared up after phoning initially the number obtained from my credit report and then reaching out to him after receiving an email offering refinance loan services.
Product: Debt collection

The following Cease and Desist letter to stop communication for a debt that has already been forgiven from WELTMAN, WEINBERG & REIS CO., LPA debt collection. 
Attached to this compliant regarding the debt collection from XXXX XXXX XXXX you will find my Copy B form. Specifcally from the IRS, as iv recieved from XXXX XXXX XXXX XXXX XXXX CEO that is to be reflected and XXXX out immediately. Amount of {$20000.00} as it shown on my 1099C-Cancelation of Debt. As a debt collection WELTMAN, WEINBERG & REIS CO., LPA to stop all attempts and forms of contact as refrenced in my Cease and Dessit letter as well as the removal of this debt that has been taken care of already by the IRS.
Product: Debt collection

This company called my grandmother " looking '' for me and attempted to collect information about me. This is unethical and inappropriate.
Product: Payday loan, title loan, or personal loan

I receive solicitations in the mail from Tower Loan. I have been to the office in XXXX, MO to request that these are no longer send to me. I've called the business directly and made a request to not send me solicitations. Every time I speak with somebody they promise to remove my information but that ultimately doesn't happen. I've added my information to the FTC 's database for out-out indeterminately in the pre-screened credit offers. 
https : //www.consumer.ftc.gov/articles/0148-prescreened-credit-and-insurance-offers I  consider these letters I receive in the mail as spam and given the multiple requests to cancel them, harassment. This portrays a company as deceitful and showing no respect for their consumers. I no longer wish to ever do business with this company ever again based on their actions
Product: Mortgage

I recently submitted a repayment option with my Mortgage Company Chase. I was assisted by a third party XXXX XXXX on XXXX XXXX, 2016 with explaining to Chase my reason for the temporary hardship. In the request I explained thoroughly to Chase why I had fallen behind on my mortgage due to a hardship. My father past away without a life insurance policy, therefore I had to assist in his burial expenses where I had to forego my mortgage payments for 4 months to pay off the burial and funeral expenses. When I could I would make a mortgage payment when I could. This is when I reached out to Chase for assistance. I sent to them all the necessary documents required and also explained to them that I am working a XXXX job XXXX days a week approximately XXXX hours and a XXXX job working XXXX days a week approximately XXXX hours. I feel this is more than enough income to grant me a repayment play and it would only be a short period for approximately six to four months. After a few weeks with the underwriters reviewing the reques, they came back with a decision to deny and suggested I arrange for a Short Sale. I know I am making more than enough income to bring the mortgage current with the option for a repayment agreement. That is not what I wanted.I want to continue maintaining the property and just wanted the option of a repayment option to bring the mortgage current. I was so hurt a little depressed from the decision. This is why I am reaching out to you all for further assistance. 

Thaanks
Product: Mortgage

The amount of money XXXX claims I owe is incorrect. The balance is more than it should be. The information needed for the modification was timely submitted, yet now XXXX is saying they do n't have everything. I started with a realtor just in case my modification was not accepted, and I also have an investor to buy the property because I did not want a foreclosure on my record since then I can not get an apartment or any rented home. I 'm asking that I get at least an additional 30 days for them to review my modification or time to complete the short sale process. I received a letter stating that it was in review and now they are stating that they need an additional 30 days to review the package, but they ca n't stop the sale until then. Please help me in getting some extended time.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXXXXXX XXXX Balanced {$250.00} XXXX XXXX XXXX Balanced {$230.00} XXXX XXXX XXXX Balanced {$500.00} XXXX XXXX XXXX Balanced {$250.00} XXXX XXXX XXXX Balanced {$160.00} XXXX XXXX XXXX Balanced {$160.00} XXXX XXXXXXXX XXXX Balanced {$320.00} XXXX XXXXXXXX Balanced {$0.00} XXXX XXXXXXXX Balanced {$620.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 experian dropped my score from above 660 ( fair ) To below 600 ( poor ) for no reason, no outstanding debt no bad report, I am trying to get into a better apartment and to qualify I need a good credit score now Im XXXX  and I have not done anything wrong I avoided debt to qualify and Experian has harmed me by dropping my score for reason. 
Spent an hour on the phone with Experian operator and she said there is nothing they can do Please ask them to return my score to what it was so I can qualify for my apartment Thank you