23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the ones I attended, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX 
As a matter of fact, XXXX XXXXXXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 
Because of the numerous claims of fraud and misconduct perpetrated by XXXX XXXX XXXXXXXX, the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans in the amount of {$110000.00} will be discharged and my credit repaired. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. 
These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 
I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 
After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates?

Didn't Navient have to pay restitution to the Federal student loa
n borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? 
Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. 
This application is a sham. 
Why do we need to prove anything? 
Navient knows who we are. 
Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. 
Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 
XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! 

Link to XXXX XXXX  Letter : 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

IM A VICTIM OF IDENTITY THEFT AND REPORTING THE FRAUD DONE TO MY PERSONAL INFORMATION TO CFPB, XXXX, XXXX, EXPERIAN, AND FTC. I HAVE ATTACHED FTC REPORT SHOWING ALL THE FRAUD DONE IN MY NAME, *****PLEASE READ FTC REPORT******
Product: Debt collection

I have been contacted multiple times about a supposed debt I am not familiar with. I have sent a certified letter requesting further information about the debt, and about their ability to collect a debt within my state with no response. I spoke to a staff member with them, who said they would send this information, and all that was sent was a single statement from the supposed creditor, and no further information. It was threatened that they would be suing me for the money, but I am not comfortable with the amount of information I have.
Product: Prepaid card

Several weeks ago I opened American Express Serve Free Reloads prepaid account XXXX with card number XXXX XXXX XXXX. Yesterday, Amex suspended my account and has been stonewalling me since. 

I had a balance of {$1600.00} in my XXXX XXXX account and wanted to withdraw it into a bank account - which is a feature of the card. Very quickly afterwards and without any warning, I received email that my account has been suspended because of violations of Member Agreement. 

Calling Amex XXXX Account Protection Services yields nothing. They claim that the decision is final and they ca n't do anything about it. They refuse to explain what happened, what I did wrong ( just point to section XXXX which is very broad and non-descriptive ), and refuse to escalate to a supervisor or say what can be done to cure the account to a good standing. It 's a complete stonewalling. 

Additionally, because the account is suspended and not closed, I ca n't reapply for a new account with Amex XXXX as any old account must be closed. 

I request that Amex XXXX either a ) re-activates my account in good standing ( I 'm willing to work with Amex to clear any misunderstanding ) or b ) closes my existing account and allows me to re-apply for a new account. 

I 'm particularly upset that Amex XXXX did n't give me any warning of account suspension, did n't give me any explanation, or a chance to resolve the issue. 

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

equifax won't give me my credit score and when i apply for credit it does not give them my score when i go to check credit so i can't get a loan or credit card due to there being not credit score or credit report it will not give me a score online when i try to check it it does not work very unhappy
Product: Payday loan, title loan, or personal loan

This is my only source of debt. I renewed/refinanced at the beginning of the year. I was signed up for automatic debits on the XXXX without my permission. One came out and I over drafted, I got a big fee from my bank. So, I called in and asked to be taken off automatic debits. The rep said ok, but it only worked for that month. The next month I was in the same situation, big overdraft and fee from my bank. I called in again and scheduled payments on the correct days through XXXX. It worked for 2 months. This month, I was scheduled for the XXXX, they reverted to the original date of the XXXX without telling me. Now I am overdrafted with a fee from my bank. My bank will not refund the charge because they see me as a risk who frequently overdraws, even though I have asked one main several times not to auto debit me on the XXXX, but rather to charge me on my payday. How can companies like this expect us to be 100 percent on time all the time with no question if they do not provide the same standard of service?
Product: Debt collection

XXXX Service keeps calling and calls under different # 's continuously. 
XXXX called on XXXX, XXXX ; on XX/XX/2018 @ XXXX, XXXX, XXXX, XXXX : XX/XX/2018 @ XXXX, XXXX, XXXX, XXXX. They call at least 4 times a day. I believe it is Citibank because I missed one payment. 

Ridiculous. I also believe they call under these other numbers : XXXX, XXXX, which puts their calls at 12 a day. They are relentless!
Product: Debt collection

I mailed a certified letter to XXXX XXXX XXXX on XX/XX/2020 disputing the collection account for a XXXX XXXX   account in the amount of {$320.00}. By the way, I DO NOT ever recall having a XXXX XXXX account. I received a response letter from XXXX XXXX XXXX dated on XX/XX/2020 stating the account has been recalled from their office and returned back to XXXX XXXX on XXXX, please see the attached documents. 

This account was then bought by IC System Collections agency as it showed back up on my credit report within a few weeks. I mailed a certified letter to IC System on XX/XX/2020. The certified mail receipt number is XXXX XXXX XXXX XXXX XXXX and was received by IC System Collections office on XX/XX/2020 at XXXX per the United States Postal Service tracking site. To date, I have not received a response from IC System, they have not provided any documentation to prove that this collection account belongs to me. I also created a dispute with XXXX and they are stating that it has been verified ; however, again, no documentation has been provided to me to support their claim and I do not recall ever having a XXXX XXXX   account. 

This complaint is in regards to IC System Collections as no response has ever been provided to me. It is my understanding that if validation is requested, the collection company must respond within 30 days or delete it from my credit report. 

IF THE PRIOR COLLECTION COMPANY, CREDENCE RESOURCE MANAGEMENT WAS UNABLE TO VALIDATE THE DEBT, HOW IS IC SYSTEM COLLECTIONS NOW ABLE TO VALIDATE THE DEBT?
Product: Credit card

Charges and transactions that are fraudulent charges and transactions on my secure card account.
Product: Mortgage

Fifth Third began servicing my mortgage in approximately 2016. At the time the mortgage was originated, we had to pay PMI. We reached out to 5/3 and asked about the process to have it removed, and were advised that after a year of payments, we could request to have it removed. We paid for a year, and called to request to have it removed. 

We were advised that we needed to pay for an appraisal to ensure that we met the LTV ratios. We did so. 5/3 sent an appraiser and charged us over {$500.00} for the appraisal. The appraisal came back, and our request to remove the PMI was denied. Apparently we were {$4400.00} away from the appropriate LTV ratio. 

We made payments for another year. We contacted 5/3 and requested for the PMI to be removed. This time, we submitted an online valuation of our home. 5/3 again declined our request to remove the PMI, based on an even LOWER LTV ratio, and advised us that we should order an appraisal for {$150.00}. 

I called 5/3 and said that I thought their business practices were unfair, deceptive, and designed to rip off customers and enrich 5/3. They charged us over {$500.00} for an appraisal, and a year later, they said that an appraisal costs {$150.00}. In the meantime, they continued to collect PMI from us, in the amount of approximately {$250.00} per month. 

They declined our request to remove the PMI, and gave different standards and guidelines for removal each time, and different reasons for why we were declined each time. They also gave conflicting information on the cost of an appraisal. 

5/3 had someone call me back, and I never spoke to this person. They left one message with me, and I have left at least 10 messages with 5/3 's requesting resolution of my complaint. I even requested an appointment to speak with someone because I could never get in touch with anyone. I have not received a response. 

In the meantime, 5/3 has continued to collect PMI from us each month, even though we met the required LTV 2 years ago.
Product: Debt collection

XXXX XXXX  is what I believe the lady stated, said she was calling about a debt from XXXX. I have no notice or documentation of such. All of a sudden they are trying to reach my son about a debt. He is only XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Date XX/XX/XXXX Amount : XXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX AmountXXXX I tried Disputing this several times now Im trying another approach. FTC report # filed XXXX
Product: Checking or savings account

Our business has been locked out of our business checking account for about 10 days and after such days a new password in the mail was mailed out to us. After receiving the new password, We placed the new password in and we were able to regain access to our online banking account..we were then prompted to input new security answers in which we completed. Phone number and site were connected..account completed. Great We logged back into our account with the same password to change it to our own password and after sending a code to our phone the code was accepted and the password was changed to our own password.. we next log out and then back in with our newly established password and again our account was locked out and all online services suspended due to too many attempts on password but speaking with the rep we were told the security questions were cleared not something we have the ability to do..and that we have to wait for yet another password to be sent to us in the mail..
Product: Credit reporting

I have informed Tranunion that the following addresses are not mine or never was mine : XXXX XXXX and XXXX Please have these addresses removed from my credit file.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any following items on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the following items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have disputed inaccurate information on my credit report with all three credit reporting bureaus and the collection companies reporting and they will not remove. 
XXXX, XXXX, XXXX XXXX are not my accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a letter from my previous mortgage company that my social security number, name and other information was stolen. I received the letter in the mail today, dated XX/XX/XXXX, XXXX they informed me that my information was stolen. last year around XX/XX/2021, i filed a police report and id theft report because i was afraid of something like this. I sent out ftc reports and a police report to the three credit bureaus asking them to remove certain accounts from my credit reports, including XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. the credit bureaus are allowing these accounts to pop back up on my report. i already told them i was the victim of fraud and id theft and i expected them to remove the files and block them from coming back on there but that is not the case. recently, i noticed someone tried to apply for a mortgage in my name through XXXX. XXXX said i have a fraud alert but that is not helpful. i am supposed to have one for experian but that does not seem to be the case because someone keeps accessing my credit files even with fraud alerts and none of them are not working so well. i called experian today about this, they transferred me to so many different people. the person who is supposed to handle my case never called me back. I left him a voice mail and he never returned my calls which is sad. XXXX did not do anything at all for me to remove any accounts i requested.
Product: Mortgage

This mortgage company is doing fraud against my account. I have called several of times and argue with people who clearly see that they owe me a refund and that my payment is to be lowered..instead they try to talk in circles like I'm XXXX and raise my monthly payment. It's not time for ins and taxes to go up and they already raised me..I 'm fixed. I never wanted this company due to its reputation bit they bought my loan from the other mortgage company. I have spoke to repair who see it in system where it shows to come back to me and say they will fix and call bk no responses. I have had some to lie to me and say report to high dept. No calls. I asked for the calls to be pulled. No one has done that. But they want to keep my money. Then my investor approved me for the forgiveness payments due to covid. It's all to go to bk of loan..they even said it with company. Now when it's time now it's a different conversation. My investor has it clear to do so and then they lie and say no it dont do that. Then it's only half then it's no you have to pay that in a lump.some. your frwud is what it is. I did a program to lower my payment and did the application to help me. Yes help me and you want to keep the refund check because I did the help for covid. I needed the help. You dont pu ish us for the help. I will be filing a complaint with them as well to let them know what your company is doing to us. I owe nothing and if you do your job my payment will go bk to where it should be and I wouldn't be going thru this fXXXX Send me my money and fix my payment asap before due again and you owe the difference I had to make of the higher payment last month. Stop lying and holding our money because the government helped us. This just like you charge us for payment when we under plans now you fixed that. Fix my account. I been patient for to long and now something new.. I'm not going to keep getting taken advantage of
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate and not updated correctly and removed. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Experian*** Account Name : XXXX XXXX Account XXXX Card Monthly Payment {$25.00} XXXX Date Closed -- Date Closed -- Balance {$620.00} XXXX ** XXXX XXXX Account XXXX Card Monthly Payment {$25.00} XXXX Date Closed -- Date Closed -- Balance {$620.00} Equifax*** XXXX  XXXX Account XXXX Card Monthly XXXX {$25.00} XXXX Date Closed -- Balance {$310.00} Balance {$0.00} XXXX XXXX  Account XXXX Monthly Payment {$0.00} Date XXXX Date XXXX High Balance {$580.00} XXXX XXXX  Account XXXX Monthly Payment {$0.00} Date XXXX Date XXXX High Balance {$580.00} XXXX Not reporting Equifax** Account Name : XXXXXXXX XXXX Monthly Payment {$0.00} Date XXXX Date Closed -- XX/XX/year> Balance {$0.00} High XXXX {$470.00} XXXX Account Name : XXXX XXXX Monthly Payment {$0.00} Date XXXX Date Closed -- XX/XX/year> Balance {$0.00} High Balance {$580.00} XXXX Account Name : XXXX XXXX Monthly Payment {$0.00} Date XXXX Date Closed -- XX/XX/year> Balance {$0.00} High Balance {$580.00}
Product: Debt collection

Hello. 

I currently owe money to XXXX XXXX. It was sent over to a collection agency during the midst of the Covid-19 outbreak and I have not been able to pay the debt off. XXXX is very well aware of this and I understood the collection agency. 

Recently the collection agency who had it apparently sold it to another collection agency known as Midland Credit Management ( The lady identified herself as this company ) and we received a letter about the debt and threatening to hand it over to a lawyer in our area. 

Currently I've been receiving phone calls every few hours since XX/XX/2020 with today being XX/XX/2020 where I finally picked up the call. The lady did not identify herself and said she was with the agency stated above. She began saying I owe {$1000.00} in debt to XXXX XXXX  and said " I owe her a reason for not paying her debt and once were done with this call we will decide what action to pursue ''. Upon a threatening voice and much harassment for the past 10min of the call duration I hung up. To date I have maybe 15-20 missed calls from the agency and unable to block their number due to them calling from a blocked caller ID. 

And ... if you're wondering ... I do not give my number out ever and I never get calls from unknown since high school
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, XXXX and Experian about some inquiries that i had just noticioed on my credit report that I DID NOT AUTHORIZE. XXXX, XXXX and Experian all told me to reach out to the companies that reported the inquiries. I did that. The companoes told me that there was nothing they could do about it and to speak with the credit beauruas. No one is trying to help me mean while these inquiries are on my credit trpoert without my authorization. The credit beuarues are suppose to do a thourough investigation but have not sone so. This is hindering me from living life. I am requesting that you look into this mattter and have the following inquiries removed AS SOON AS POSSIBL : XXXX XXXX XXXX ( X/XX/2016 ) XXXX XXXX XXXX XXXX ( X/XX/2016 & X/X/2016 ) XXXX XXXX ( X/XX/2016 ) XXXX XXXX XXXX XXXX ( X/XX/2016 & X/X/2016 ) .XXXX XXXX XXXX ( X/X/2016 )
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # 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

This morning, I noticed some incorrect accounts appearing on my credit report, and I have no idea how they got there. I routinely check my credit report, but this time, I came across unexpected discrepancies. I even refreshed my browser to see if it was a temporary glitch, but the inaccurate accounts remained. Due to this issue, I request a thorough review of the documents I have submitted so that I no longer have to worry about this problem.
Product: Credit card or prepaid card

I have a prepaid card through BOFA. I live in California there were several withdrawals in XXXX XXXX Nevada until my Account was drained. XX/XX/XXXX {$480.00} XXXX/XXXX {$480.00}. XXXX then {$460.00}. On XX/XX/XXXX XXXX {$460.00} and {$480.00} was withdraw!! Not one time did they alert me. They said they would Reembuirse me. Its been 30 days. Im will be homeless soon. They keep giving me the run around. Its obvious it was FRAUD. Ive been on hold for Over 39 hours between 5 days. They there was a glitch. Im a REAL PERSON. MAYBE {$2300.00} isnt a lot to some people but thats all I had. 30 days waiting now they say it will be another 45 days. This can not be LEGAL. HOW can they hold my money HOSTAGE????
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX  XXXX XXXX card and XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts was open fraudulently. Heres my police report to go with my ftc report to have theses accounts removed or blocked.