23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Re : Navient Settlement XX/XX/XXXX My name is XXXX XXXX. I am requesting student loan debt cancellation. According to the https : XXXX I am a borrower whose debt spans generations : my mid-career student loan was applied for through XXXX XXXX XXXX XXXX. I was residing in the XXXX of Maryland when I applied and returned to Maryland after the 2 year XXXX XXXX was completed in XXXX. 
For years Navient failed me ( XXXX XXXX ) and consumers who counted on the company to help give us a fair chance to pay back our Student Loans. Consequentially, prior to and since the XXXX settlement resolution, the interest has accrued due to Navients forbearance steering practices. As a result, this borrowers loan balances has almost doubled from approximately {$50000.00} the original amount to approximately {$93000.00}. 
During the last 24 years, Navient has failed and or refused to disclose accurate information on loan forgiveness after XXXX years of qualifying payments. 
In a recent phone call to the Navient, the representative, misinformed this caller about loan forgiveness and placed this borrower on hold multiple times for XXXX minutes ; and refused to answer questions about the number of forbearances, income driven, deferment applications were filed from this borrower. The representative refused to disclose the number of payments received from this borrower, asking, whats the reason for the question. After being placed on hold for a long period, she answered that the total was approximately {$14000.00}. 

The conduct reforms imposed by the settlement include prohibitions on compensating customer service agents in a manner that incentivizes them to minimize time spent counseling borrowers. As result of said conduct during the aforementioned phone call, Navient has failed to adhere to the terms of the Settlement. After many, many phone calls it appears Navients guidelines for Loan Forgiveness are either impossible or Navient is not following the Settlement terms. As a result, Navient has impeded the timely process of applying for student loan forgiveness. 
Finally, this borrower, XXXX XXXX, did not receive any notification or information from the Servicing provider, Navient of the class action lawsuit settlement. Nor did XXXX XXXX receive a Post Card. 

What recourse is available now that I am well past the age of retirement having worked directly in Public Service positions and currently as a XXXX with XXXX. 
Thank you and I appreciate your consideration and assistance. 

Respectfully, XXXX XXXX, LMFT MA ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX has removed a debt collection agency from my account that I have been disputing for several months and it remains on Experian and XXXX.
Product: Debt collection

Continued phone calls with refusal to tell me what it is about. They say they sent me letters, but I never received any. I have no idea what creditor or debt they are talking about. They ask if I am XXXX and I say yes, they then ask me to verify personal information ... .my birth date, address, etc. I refuse to give out personal info to a complete stranger who calls me over the phone. I ask them to send me something in writing and they refuse ... ... they say " so your telling me your refusing to comply? I say " how do I know this is not a scam and your just trying to gather my personal info? '' They say " since you are refusing to comply, the phone calls will continue '' and then they hang up on me.
Product: Credit card or prepaid card

I have received an email from XXXX XXXX ( XXXX ) on XX/XX/22 that a new account was opened in my name. As I logged into XXXX it notified me that I had a new credit card for Nordstrom. I have never opened up an account with Nordstrom. I do not shop at Nordstrom, ever. I am a victim of identity theft. I have called Nordstrom and filed a complaint as soon as I found out to let them know of the situation XX/XX/22. I have also reached out to XXXX on XX/XX/22 to put a freeze on my account. XXXX advised me to file a report with FTC as a supporting claim.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries XXXX XXXX XXXX Goodman Frost Pllc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action - unauthorized inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Action-unauthorized inquiry on XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly requested validation of this debt but have not yet received any evidence proving my legal responsibility for it. Despite sending a notice to the collection agency, which went unanswered, and writing to the credit reporting agency for verification, I have still not obtained any confirmation that the debt is rightfully mine. As of today, this debt continues to appear on my Equifax credit report.
Product: Credit card

Complaint number:XXXX, addition to complaint when talking to the discover card representative I asked her what was discover cards late fees and she could not tell me. She had to stop and try to calculate the amount they charged me on my account. This is very disturbing because on all my other bills including other credit card bills the late fees are the same every month. They do n't change based on who you are, or how much you make. If this is the case discover card can do what their doing now and charge me what ever they want that month. The XXXX to XXXX unwanted phone calls a day are also annoying, even after paying my bill for that month they still aggressively call my house and parents house trying to get me to pay them more money for that month and nothing going to the {$7500.00} balance that I have with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
You have no permissible purpose by law to contact third parties with my private or personal information.Your offenses amount to aggravated Identity Theft pursuant to 18 U.S.C 1028A.You have knowingly transferred, possessed, or used, without lawful authority, a means of identifications of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
account deleted from my consumer rep This agency is a violation of 15 USC 1692g.This is an official dispute of this account.I demand the above account deleted from my consumer report.
Product: Debt collection

I contacted Eastern Account Systems and advised them that the account obtained by them from XXXX XXXX was a result of identity theft. The account was previously with XXXX XXXX XXXX and they voided the account as a result the account was removed. 

The first representative i spoke with advised me to send my former complaint with CFPB. The second representative wasnt helpful at all and told me SHE could not clear the account. The service address for the account is somewhere I have never lived. I gave NO ONE my authorization to obtain a XXXX account in my name. I also was out of the country training for my job when the account was opened and obtained the account. 

I am also mailing the " present '' collection agency an identity theft affidavit notarized, my dispute letter, and a copy of this complaint.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX- Account XXXX : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX - Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : SXXXX XXXX XXXX- Account Number : XXXX UNAUTHRORIZED INQUIRIES : 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
Product: Credit card or prepaid card

This account with Synchrony Bank was opened when I bought a mattress at Mattress Firm and they offered me no interest financing. I have had a myriad of issues with Synchrony. Their operations and systems are chaotic. The latest problem I had was when they randomly decided to cancel my autopay causing me to miss a payment. Their method of informing me was to send an uninformative email on XX/XX/2023 to me to click a link to read a message for me. The link did not work when I attempted to click and read the message. I attempted various times. 

Today, I logged into my sychrony account and discovered that my payment was overdue. I went back to the uninformative email of XX/XX/XXXX and was able to click through and open the message. The message stated that my autopayment amount was being changed to {$0.00}. My balance is still {$1800.00}. There is no reason listed for this change and it was not a change that I authorized or attempted to perform. Now my account is overdue. 

Earlier problems with Synchrony include that they did not send me information in the mail when my account was setup and the first payment ( or perhaps multiple payments ) were missed because I didn't know the account had been opened yet. I learned about it after receiving a past due statement. Resolving this was difficult and I spent hours on the phone with off shore customer service agents that could not help and were not trained to address the issue and did not know English sufficiently well to comprehend the problem. I was finally able getting it fixed after one helpful customer service agent finally escalated and I spoke to an American agent who got it resolved. 

Synchrony appears to either act in bad faith intentionally hoping to cause customers to miss payments so that they can charge exorbitant interest rates citing breaches of contract OR their systems and operations are poorly setup to actually manage their accounts.
Product: Mortgage

We have attempted to modify our home loan with Bank of America, only to be told for the XXXX time that our investor XXXX will not allow modification of the Loan, the process has been very stressful, and I know that we are not alone in this. Please Help!!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : ( XXXX ) XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting

As of Tuesday, XXXX XXXX, 2017, TransUnion is still knowingly and illegally reporting a debt of {$430.00} to XXXX for XXXX XXXX XXXX , XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX XXXX XXXX , XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I attempted to activate my XXXX XXXX XXXX  on a different network but I was told by that company that my phone, that I've had for years was unable to work on their network because the phone was locked. I contacted XXXX XXXX XXXX today via the XXXX XXXX XXXX Device Unlock Request online but was denied due to an unpaid balance. I am attaching a screenshot of the email to show such. Since, I have ported my existing number over from my most recent carrier to the new one, neither of which are XXXX XXXX XXXX I am now without a phone or means to communicate outside my home. The email did not show a balance so I pulled my credit report and it is showing a balance of {$830.00} under XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). This account is showing as a Collection/Chargeoff. I have submitted a complaint against XXXX and Transunion for this same account through CFPB and they both came back saying that the company verified this account so it remained on my credit report although it is very inaccurate. I have also attached a screenshot of my XXXX credit report to show the inaccuracies to include the date last active date, Transunion says XX/XX/XXXX, XXXX says XX/XX/XXXX. The last reported date says XX/XX/XXXX and XX/XX/XXXX. The date opened says XX/XX/XXXX and XX/XX/XXXX. Lastly, it shows a balance of {$830.00} but being that this account was CHARGED OFF, and a charge off is considered a certificate of indebtedness which means it is income and must be removed and it has not is a direct violation of my rights as is the reporting of the inaccurate account on XXXX and Transunion. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate and must be removed. In addition to these accounts being removed, my balance with XXXX XXXX XXXX needs to be corrected to paid in full. I want to reiterate that according to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In addition to the removal of this account from my credit report, I need this phone, XXXX XXXX XXXXXXXX XXXX XXXX, to be unlocked for use. I am a XXXX mother and in need of means of communication. This has caused me severe undue hardship and stress. I just need my credit report remedied by THE DELETION OF THIS ACCOUNT ON BOTH TRANSUNION AND XXXXXXXX XXXX XXXX XXXX  to update their records to paid in full as it has been and my phone to be unlocked so I can feel safe with the ability to communicate and not worry about the negative impact this falsehood has on my credit report and personal credibility or I will pursue all monetary compensation allowed. I need this remedied within the next 24 hours. Thank you for your understanding and cooperation.
Product: Credit reporting or other personal consumer reports

I have been reviewing my credit report on XXXX agencies. Through my research and investigation, I have noticed that there are many inaccuracies and incomplete information. However, to be fair to me as a consumer, this inaccurate and incomplete information has had a negative effect on me being able to be approved for creditors. Having negative, inaccurate, and incomplete information has contributed to my denial of credit. In addition to having information on my report for closed accounts and too many addresses. As a consumer, I request that the following inaccurate, incomplete, old addresses and closed accounts be removed from my profile. Also, there are XXXX inquiries from XXXX at the end of this document that needs to be removed. As per 15 USC 1681 ( I ) ( 5 ), I am sending this request and supporting documentation.
Product: Money transfer, virtual currency, or money service

Bought a TV through PayPal Credit/Bill Me Later back in XX/XX/XXXX. With my current balanced added with the TV, my minimum payments were around XXXX a month. In XX/XX/XXXX the TV was refunded back to PayPal credit for its full amount and when it was my new minimum payment raised to XXXX a month. When I called PayPal credit for clarification they told me that because that promotional offer was done that my new minimum payment was XXXX. I told them it didn't make sense because I made on time payments every month and gave them a refund for the TV full amount. They stated after that the promotional offer no longer being there is the reason for the new minimum I told them I wasn't able to pay that minimum and the logic of my new minimum made no sense they said their was nothing they could do and that was the last time I spoke to PayPal credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Experian has stated this account/item was updated from our processing of your dispute in XXXX 2023 information is still inaccurate on this account. How could that be if this account was reinvestigated and presented with all accurate information. 
my address ID on experian is XXXX, the address ID showing for this account is XXXX that address does not match mines and i don't know who's address that is. as you can see in the screenshot, XXXX is reporting this last verified XX/XX/2023, nothing here on experian, since the last investigation XXXX has deleted this account As of XXXX, if they weren't able to verify how is Experian and XXXX verifying this account? date of last activity is still not matching, opened date is still not matching payment frequency is still not showing on experian. and in the two-year payment history Experian is still showing no payment for the month of XXXX according to the FCRA 15 USC 1681 everything must be 100 % accurate DELETE THIS ACCOUNT NOW
Product: Debt collection

The debt thats on my credit report is paid and/or has reached its max time of being on my credit report but, have not been remove.
Product: Consumer Loan

I purchased a TV on XXXX/XXXX/XXXX for over $ 7k. I have been making payments on it and have not been late. I logged in today XXXX/XXXX/XXXX to make, what I thought would be my final payment only to find a balance of {$3300.00}. When I signed up for this I was told that I had to pay off the balance by Month XXXX. I went to the store on XXXX XXXX to get my balance owed and asked them when my promo would end to which I was told XXXX/XXXX/XXXX. I called your phone support people regarding the balance I see on my account and she rudely told me that I was misinformed and nothing can be done! She also refused to provide me with my balance prior to the interest. 
I will gladly pay the amount that I owed prior to all the interest even though I was over changed for the TV but I need someone to rectify the issue of the insane interest so I can make my last payment.
Product: Student loan

I have co-signed for my Son to attend School, XXXX, since he has graduated he has not secured work. Therefore he can not afford the monthly payments for both SallieMae and Navient. Because of this his student loans have grown substantially ... 

Navient -1st attempt to lower payments, I was told they could not do anything for me, even though I was told when I co-signed they would put him in a comfortable payment plan. Navient allowed a forbearance to bring loans up to date, however I mentioned to them that my Son will still not be able to afford the payments and he will be put back into the same position ... 3 months go by, receive several calls asking for payment, finally Navient works with me on lowering payment to a more affordable payment. However this now hit my credit report reflecting the 90 days past due. If they would just have put me into this program on my 1st attempt, this would not have affected my credit report. Additionally, the actual loan amount has increased substantially from when I actually co-signed to now ... because of interest. Highway robbery ... 

SallieMae-1st attempt to lower payments, I was told they could not do anything for me, even though I was told when I co-signed they would put him in a comfortable payment plan. Navient allowed a forbearance to bring loans up to date, however I mentioned to them that my Son will still not be able to afford the payments and he will be put back into the same position ... 3 months go by, receive several calls asking for payment, finally Navient works with me on lowering payment to a more affordable payment. However this now hit my credit report reflecting the 90 days past due. If they would just have put me into this program on my 1st attempt, this would not have affected my credit report. Additionally, the actual loan amount has increased substantially from when I actually co-signed to now ... because of interest. 

Please let me know what can be done about this ...
Product: Credit reporting or other personal consumer reports

As I was reviewing my credit report I came across some unauthorized inquiries. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have had 2 accounts on my credit with Doctor Business Bureau.  Called again XX/XX/XXXX to request detailed info, they would not release the info nor send me info in regards to these accounts as they state on their end shows in dispute, would not advise when it was opened. I advised per my credit report I don't see an open dispute. They went on to give me the name on the account which happens to be my maiden name which I do not go by for years now. I have not had services where they indicate these charges are. These charges are from XX/XX/XXXX. They stated I need to mail them my ID, ID Affidavit notarized and a police report for them to release from dispute and send me the info they have for me to confirm and review if mine. These 2 collection accounts are not mine and they are giving me hoops to jump thru in order for me to review what is on my credit and putting on my credit which does not match my name. One account shows UNPAID in the amount of {$130.00} and another UNPAID in the amount of {$180.00} Was given account number XXXX.
Product: Debt collection

I currently have an account with XXXX that I have had for more than XXXX years. This line was the result of fraud reported many times to the carrier and ERC and ignored. They continue to harass me during work hours even after I sent them the copy of the fraud affidavit. How can I owe for a debt that is not mine and why are these people allowed to threaten and insult me daily.? I have requested orginal signatures from the account and have nothing.