23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My private loan is currently through Navient. I read on the article regarding Navient cheating borrowers in interest and misleading consumers in their loan products. During my financial struggles, Navient advised they will place my loan on forbearance not providing me with full details and verbally consenting to the agreement. I was told they can lower my payments to help. The program they put me in was an interest only 2 year plan. For the duration of the 2 years, I made my minimum payments and had a few months to apply more to principal. when I would check my outstanding balance, I started with a {$28000.00} student loan and after the 2 year period, my principal balance increased to {$33000.00}. I contacted Navient to complain and advise why nothing has been applied to principal. They advised I am on the interest only plan. I paid this interest only plan for almost 3 years before I noticed the balance was not decreasing. I advised I want to pay off the loan as soon as possible and to remove me from the interest only plan. my payments jumped up to over {$560.00} and noticed only {$100.00} is being applied to principal. I called to complain and requested an amortization schedule but they advised there is nothing they can do. They recommended another forbearance or to extend my terms to lower my payments. 

Soon after, my school ( XXXX ) filed bankruptcy and closed their doors in 2016. I called to request a discharge, forgiveness or a principal reduction as the school credentials are no longer valid and it was almost impossible to get a good paying job. XXXX XXXX XXXX was sued due to this reason. An individual who had no degree would be able to get the same job as me and start at a higher rate. I do not believe I should be liable to pay the remainder of the loan and tried to request a discharge but they said there are no programs for this and kept recommending forbearance or an extended term. I graduated XXXX with an principal starting balance of {$28000.00}. 8-years later, my unpaid principal balance is {$27000.00}. 

Navient cheated me with interest charges and did not apply the proper amount to principal and mislead me with no available programs to help pay down my debt. 

Please help!
Product: Credit card

I filed a complaint with the CFPB under the COMPLAINT ID number XXXX for 4 charges made improperly on my credit card. The Bank recognized the error and made a credit in my favor, however the credit made is for the amount of 2 of the improper charges, leaving 2 charges still pending to be credited. The Bank closed the case without having made the full refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and Inquiries appearing on credit. 


1. XXXX XXXX XXXX {$580.00} 2. Dept Of EducationXXXX {$9400.00} 3. Dept Of EducationXXXX {$4300.00} 4. Dept Of EducationXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/2008.
Product: Debt collection

On XX/XX/2020, XXXX XXXX, I received a call from +1 ( XXXX ) XXXX. The person on the phone introduced herself as a debt collection agency ( Credit Management or similar ) and asked me to verify the number of my street address. She told me they are calling to collect {$23.00} I owed to XXXX. She confirmed it was for me personally, not for dependents, but could not confirm what the amount was for ( even at a high level, e.g., medical services ). She demanded that I provided a form of payment ( " How are you going to pay this today? " ). I told her I rarely use XXXX for anything and that I have paid everything I bought from the pharmacy. I also told her that I will have to contact XXXX to understand more about this claim. She asked me when will I contact XXXX, how her company can contact me to collect my debt, and will I call them back to make a payment. I asked that they only contact me by mail and informed her that I will not make a payment to debt collector unless I initiated the call. 

After the call, I reached out to XXXX Customer Service at XXXX. The representative forwarded my call to their Billing Department. I provided my personal info to Billing and the person confirmed I am not in their system and that I don't appear to own anything to XXXX.
Product: Debt collection

Diversified adjustment service contacted me on behalf of XXXX. Advising that I owe a balance in excess of {$XXXX} dollars. I advised the rep that under the advisement of a XXXX representative that If I return the equipment that I would only be responsible for the service charges. I submitted all relevant information regarding this claim including return labels with tracking. XXXX via diversified adjustment service advised me that they denied my dispute. They said that even though I returned the equipment that I will still be responsible to pay the full price for each Piece of equipment. However they did not charge me for XXXX of XXXX items returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I requested a copy of all three credit reports via XXXX and I noticed that my Trans Union Credit report as well a my XXXX credit report had identical Collection Account from : XXXX XXXX XXXX. Both credit agencies reported This account status as OPEN and showed a PAST DUE BALANCE of {$1200.00}. This is violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. 

According to the Fair credit reporting Act I have the right to a completely accurate credit report, and they are required to remove any information that is not true, verifiable, and accurate. 

I IMMEDIATELY called and sent notarized letters demanding remove this account from my credit report, and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion. 

XXXX completed this process and scheduled the removal to be reflected as of XX/XX/2022. Trans Union ignored my request and instead reached out to XXXX XXXX XXXX and informed them to change the status of the account from OPEN and to remove the PAST DUE balance so they could keep this. item on my report. By the next round of monthly reporting Trans Union updated the account type to COLLECTION and removed PAST DUE and replaced it with UNPAID. They noted in my credit profile that account information disputed by consumer, meets FCRA requirements. This of course was not true this Account had been reported inaccurately for the last 4 year on my Trans Union credit report which affected me negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on three separate occasions asked XXXX, XXXX  and Experian verify some information that is reporting on my Credit bureau in regards to a XXXX  account on my bureau. Each time they all said it was verified and when I asked for an investigation I received no response. I have since contacted the original Creditor XXXX  and everything reporting in my bureaus is completely different than what the creditor sent me. I intend to sue if the information on my bureau is not updated or completely deleted from my bureau. You did not investigate this properly.
Product: Debt collection

Midwest Service Bureau continues to call me on my cell phone after I told them they do not have permission to contact my cell phone in violation of the TCPA. I then ordered them to Cease & Desist calling and they continued to not only call my cell phone after being ordered not to they contacted my mother who I do not live with and lives in a completely different town. They disclosed my private health information to her without my permission ( violation of HIPPA ) and  continue to call her despite my telling them to cease and desist ( harassment, violation of FDCPA ). 

Additionally, I have never received any validation notice regarding these accounts, I attempted to tell their collector that the bills were a result of a criminal action and I was a victim of a crime but they have not marked the debt as disputed ( as required under the FCRA ) and continue to attempt to contact me and my family about these bills.
Product: Credit reporting or other personal consumer reports

I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me. 
This letter serves as a formal complaint regarding the inaccurate and incomplete credit information contained in my credit report. Specifically, I am writing to address the presence of the following queries : QUERIES THAT I DO NOT RECOGNIZE AND THAT ARE IN TRANSUNION 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 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  My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons : As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

No Account Recognition : I do not recall opening or transacting with the entity associated with this account.

Possible fraud : Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent. 
Your obligations under the Fair Credit Reporting Act ( FCRA ) :
Product: Debt collection

This debt was settled by the party that I signed a contract with. Last year XX/XX/ I received a call as well as letter stating portfolio recovery brought my debt from a debt collector. I disputed this claim with written notice alerting portfolio recovery that this debt and agreement was cleared. Portfolio recovery removed the debt from my credit report however in XXXX XXXX they have placed it back onto my credit report. I have asked them a number of times to provide with me the proper documentation on this debt and they have yet to send me this information. They have ignored me for the pass two month and they update to my credit report every month which is hurting my credit without proper communication nor documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

D

ear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX
Product: Credit card

I FILE BANKRUPTCY IN XXXX AND XXXX XXXX XXXXXXXX WAS ADDED TO MY BANKRUPTCY. I FILE XXXX XXXX  AND IT WAS SWITCH OVER TO XXXX XXXX WHEN THE XXXX XXXX  WAS NO LONGER ON MY ACCOUNT. SO XXXXXXXX XXXX XXXXXXXX WAS ONE OF THE ONES THAT WAS DISMISSED IN THE CLOSING OF THE XXXX XXXX. SO A FEW MONTH AFTER CLOSING XXXX ADDED THIS ACCOUNT BACK ON MY CREDIT REPORT. I SEEN IT AND CALLED THE XXXX CREDIT CARD DEPARTMENT AND THEY WERE SUPPOSE TO TAKE IT OFF MY CREDIT REPORT. YEARS LATER WHEN LOOKING INTO BUYING A HOUSE I SEE THIS {$600.00} PLUS CREDIT DELINQUENT ON MY ACCOUNT. SO I CALLED THE XXXX NUMBER AND FOUND OUT THAT XXXX SOLD THE ACCOUNT TO A DEBT COLLECTED INSTEAD OF DIMISSING IT IN THE BANKRUPTCY.
Product: Credit card or prepaid card

On XX/XX/2023, I made a purchase from XXXX XXXX for herbal detox foot soak beads in the amount of {$23.00}. Upon arrival I found that the product was not as advertised by what appeared to be laundry pods not detox foot soak beads. 
This was reported to Synchrony Bank/PayPal Credit several times . 
Originally on the phone with representatives i was advised that I did not have to return the product as it was have cost me almost {$30.00}. I supplied information regarding other complaints about XXXX XXXX that is overseas and appears to take advantage of customers via PayPal and the challenges with returning bad merchandise. 
I was temporarily given a credit of {$23.00} that was later recharged back in XXXX. On XX/XX/2023 and spoke with a representative, XXXX, for about an hour. He stated to me that some companies had been doing that and that he would place a dispute again. 
He also filed a discrimination case because I was sent documents of delivery and no one observe the poor quality of the product and the fact that the merchant knew it would cost too much to return overseas. Because the product was still in my possession ( I threw it out because I feared what was really in these pods ). This is not what I was advised on the phone during the many calls.
Product: Checking or savings account

Made a purchase on XX/XX/23 with XXXX XXXX  for my XXXX birthday dress. Less than XXXX hours after the order was placed I emailed to confirm I would receive the order by XXXX. I was told orders take XXXX to produce so it would not arrive in time. I asked could I cancel the order and was told that I could not cancel because the order was already in production but I could request to change to a ready to ship item. 

I couldn't understand how I could not cancel since it was in production but I could change for a different product and stated that in an email to the merchant. At that point, the merchant stopped responding to me. 

XXXX days later I received a package but it was not the item I ordered nor did it fit. 

I contacted the merchant via phone since they stopped responding to my emails requesting a refund and to return the item I received that I did not purchase and was told someone would get back to me but no one ever did. 

I submitted a dispute claim with Citibank. The merchant responded well after 90 days later and provided shipping information to Citibank and Citibank closed my dispute in favor of the merchant. 

I don't understand how that's possible. The purchase amount was {$280.00} and I did not receive the item I ordered. I had to order a completely different dress overnighted from a different vendor. I want a refund. 

I still have the item snet to me in the packaging it was received in. I will return it happily.
Product: Credit card

Around XX/XX/2024, I purchased tickets to travel to XXXX, Texas. After my arrival, I had some issues where the room I booked through XXXX was a double charged, and secondly, the room had a foul odor. I complained to the management, about the smell and the front desk clerk stated that she should change our rooms. The following when I went down to have the room changed, another clerk was at the desk and she informed me that it was not possible. When we left the hotel for breakfast, the clerk stated that she went to investigate the smell and would not honor the change of room as the previous front desk clerk stated. In addition to the invasion of privacy, the room smelled like smoke, and overall it was a bad experience.
Product: Vehicle loan or lease

XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX asked for a down payment of {$5000.00} violating 12 CFR 1026.4 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction ; Also pursuant to 15 U.S.C 1666f it states that with respect to any sales transaction, any discount from the regular price offered by the seller for the purpose of inducing payment by cash, checks, or other means not involving the use of an open-end credit plan or a credit card shall not constitute a finance charge as determined under section 1605 of this title if such discount is offered to all prospective buyers and its availability is disclosed clearly and conspicuously. Therefore, you are in violation of federal laws for EXTORTION me to paid a down payment. 


my right of Rescission Pursuant to 12 CFR 1026.23 ( b ) ( 1 ), Truth In Lending Act as I was never told I had 3 days to rescind the transaction nor was I given the notices that come along with all consumer credit transactions. I am rescinding the transaction, and rescinding my signature endorsement ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, also named has failed to clearly & conspicuously disclose my right to rescind ; I XXXX XXXX participated in a consumer credit contract and not a loan Pursuant to 16 CFR 433.1 ( i ), which clearly states Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.

Take further notice that Pursuant to 12 CFR 1026.4 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law. Also, on 12 CFR 226.18, the Term Finance Charge is the dollar amount the credit will cost you ; Take further notice that 20 days after your receipt of this notice you must return any money, or property given to I the consumer, and also terminate and reflect that termination of the security interest placed on the property which in this case is XXXX XXXX XXXX XXXX XXXX  # : XXXX NOTICE OF RESCISSION Attached also find a power of attorney revocation for this transaction. Now the agent and principal XXXX XXXX has full Power of Attorney in fact over XXXX XXXX and can take any necessary decision if needed. 

I XXXX XXXX has also the full Fiduciary control over XXXX XXXX to represent it in any process and or legal matter.
Product: Credit reporting

I think I disputed account but not 100 % sure. I do know that I never received any communication from collection agency ( certigy ). I did receive communictions from a different collection agency asking for payment on XXXX returned checks from XXXX which I paid XXXX 2013. Certegy is reporting that the account is open and that I have XXXX late pays. Certigy should be reporting acct closed and no late pays. I never set up any payment plan with Certigy or first collection agency that was assigned my account. I also requested validation and received no response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ).

With my rights under this law, I am requesting the removal of the following student loan accounts from my credit report, and I officially opt out of any reporting of these accounts to any credit reporting agencies.
Product: Credit reporting, credit repair services, 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 XXXXXXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 16 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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. 15 U.S. Code 1681 to ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.