23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To Whom It May Concern : I am compelled to address a significant concern regarding the Navient/XXXX XXXX XXXXXXXX ( Case No. XXXX ), specifically regarding Navient 's reported inability to disclose credit scores for the pertinent timeframe. 

This settlement distinctly offers relief to " non-traditional '' borrowers, identified by having a XXXX score below XXXX at loan origination. My apprehension is rooted in Navient 's claim of being unable to retrieve my credit score from the relevant period, citing data retention policies. This assertion not only casts doubt on the settlement 's efficacy but also on Navient 's commitment to fulfilling its obligations with integrity. 

The essence of my concern lies in the possibility that Navient may have agreed to the settlement without the genuine intent or capability to validate and acknowledge claims from borrowers like myself, who are presumptively eligible for relief. Such a scenario would not only undermine the settlement 's foundational goals but could also represent a substantial breach of trust and agreement. 

The gravity of this issue extends beyond my individual case, potentially affecting numerous others in similar predicaments. Hence, I seek your intervention to ensure Navient adheres to the settlement terms with diligence and honesty. If Navient is indeed unable to provide credit scores from the discussed period, it becomes imperative to question the validity of loans issued under these conditions, suggesting a negotiation in bad faith. 

Furthermore, it is pertinent to highlight the coercive pressure to add my father as a co-signer based on his similar credit standing, a move that was crucial for loan qualification. This detail underscores the broader implications of Navient 's practices on borrowers and their families. 

I urge your immediate attention to this matter, advocating for a resolution that upholds the principles of fairness and accountability. Your action is not only crucial for individual cases like mine but also for the integrity of the settlement at large. 

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

Legal Department, This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : ( Collection account ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I am in the process of getting a new home loan with PNC Mortgage. I have been waiting for loan approval for 65 days ( after conditional approval went through with no difficulties ). Further, the loan officer and processor will not answer phone calls or emails, and will not tell me a closing date. The initial closing date estimate ( XXXX XXXX ) came and went, and now I 'm out of my apartment and not in the new house ( essentially homeless ), living at a hotel and incurring costs and time off work. The new home builders are ready to close, as am I. 

PNC help lines will not respond to my calls, and I have caught them in lies ( through parallel communication with the lawyers doing the title work ) on a number of occasions. 

I know this probably is n't the right outlet, but at this point I do n't know what else to do. Continued hotel costs may put me at financial risk. PNC will do nothing to help me, and I 'm afraid that pulling out and going with a competitor will incur severe penalty fees. ( They have not discussed any of these steps with me throughout the process. ) Thank you for your time.
Product: Credit card or prepaid card

I opened my HomeDepot card last year in XXXX while doing some updates to my home. The next month I went online to pay the total balance. Iogged in and I paid the total balance off and believed I was good to go. WRONG last month XX/XX/2019 I received an email alerting me of a delinquency and drop in my credit score. Come to find that HomeDepot Credit Card was stating I owed over {$130.00} I got on the phone and called to find out what was going on. Apparently they charged me a late fee of {$27.00} and another late fee and another late fee total amount due was {$130.00}. I spoke to an agent and they had no concern for the issue they said no sorry you didn't pay on time and you did not make a payment in XXXX, XXXX or XXXX. I must have talked to 6 different people and One agent waived one fee. They offered no solution no explanation as to why it was not on the statement the day I paid it in full. Crickets is all i heard NO one had the answer. I pay my bills on time, early when possible I had a great credit score and now my credit score has dropped over 100 points. That is so wrong. I paid the balance off. If there was a late fee I should have been able to pay it. If the system didn't show me how am i suppose to know that there is an outstanding fee. Per the CARD act credit card companies can not charge you more than 3 % of the minimum amount due. I had a XXXX balance. Again how is it possible that I now owe {$130.00}. I hold both Citi Bank and Home Depot responsible. This is not honest way of doing business.
Product: Debt collection

See attatched : XX/XX/XXXX usaa Collection Letter. usaa Closed CFPB XXXX XXXX. I MADE THEM AWARE I DID NOT OPEN THIS ACCOUNT & I requested the Dr 's License Original Signed Contract usaa DISMISSED. usaa CONTINUES HARRASSING COLLECTION ON ID THEFT. see attatched statement MC end ( XXXX opened XX/XX/XXXX ) WITHOUT VERIFICATION. Balance {$100.00} NOT MY ACCOUNT. see attatched XX/XX/XXXX VISA CARD OPENED WITHOUT VERIFICATION end ( XXXX **CREDIT CARD FRAUD CLAIM ** UNAUTHORIZED TRANSACTIONS. ** I DID NOT OPEN THIS ACCOUNT XX/XX/XXXX, XXXX ) See attatched 1099-C CANCELATION DEBT XX/XX/XXXX USAA USED MY PRIVATE DATA FROM THIS ACCOUNT TO OPEN THE OTHER TWO. USAA HELD ME LIABLE FOR THREE ACCOUNTS DURING SAME PERIOD.XX/XX/XXXX I call to stop collection attempts. CLEARLY USAA does Not verify this account belongs to me. Rep informed me they can not speak to me anymore without me sending my license. I refused. Rep says are you a member of usaa.? All members are being required to send in LICENSES to update old info. I DO NOT WANT TO BE A MEMBER ANYMORE. USAA OPENS FRAUDULENT ACCOUNTS THEN COLLECTS ON THEM DURING A COUNTRY VIRUS EMERGENCY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a concerned consumer, this was not made in error I am the consumer concerned and is being violated by XXXX, EQUIFAX, AND XXXX I have sent dispute letters challenging accounts that were not notated in a timely manner, I made a previous complaint and it was not addresses correctly. I am not disputing to verify if the accounts belong to me, I am simply complaining that the accounts were not investigated in a timely manner and notated that they were in fact in dispute once I reviewed my credit report. The investigation was prolonged and I did not receive results in a timely manner and the account remarks did not show these accounts were disputed by me the Consumer.
Product: Credit reporting or other personal consumer reports

All of my student loans with XXXX XXXX have been in deferment for over 6-years. Student loans were deferred nationally in XXXX because of the Covid 19 Pandemic. Yet My credit was set as a default as follows : XX/XX/XXXX - 90 Days Late, XX/XX/XXXX - 150 Days Late, XX/XX/XXXX through XX/XX/XXXX - 180 Days Late. My loans are still in deferment, and even though XXXX XXXX corrected the status on all XXXX loans, The late payment history has to be removed permanently. I will contact the Department of Education if necessary, but the loan status must delete these late payments permanently.
Product: Credit reporting or other personal consumer reports

Dispute of Negative Accounts Request for Deletion for Non-Compliance and Inaccuracies Name on Report : XXXX XXXX Social Security Number ( Last XXXX Digits ) : XXXX Dear Sir or Madam, I am writing to formally dispute the negative accounts reported on my credit report by XXXX XXXX XXXX, Jefferson Capital, and XXXX XXXX XXXX. These accounts are inaccurately reported, and I am requesting their immediate deletion from my credit report due to their failure to meet compliance standards as outlined in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX guidelines. 

Please find the accounts in question below : XXXX XXXX XXXX XXXX : {$720.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX XXXX Jefferson Capital Balance : {$540.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : Jefferson Capital XXXX XXXX XXXX Balance : {$460.00} Last Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Account Status : Open Remarks : Collection Account Original Creditor : XXXX XXXX XXXX These entries are damaging my credit report and, upon review, may contain inaccuracies or reporting issues inconsistent with the XXXX XXXX  compliance standards. I request that each of these accounts be thoroughly investigated, verified, and, if non-compliant or unverifiable, immediately removed from my credit file. 

Actions Requested : Verification of Compliance : Confirm that all aspects of these accounts are fully compliant with XXXX XXXX standards, including the reporting of balance, status, dates, and creditor information. 
Deletion of Unverifiable Accounts : If these accounts can not be verified as accurate or compliant with all applicable standards, I request their immediate deletion from my credit report.

Written Confirmation : Please provide written confirmation that these items have been investigated and, if appropriate, removed from my credit report.

In compliance with 15 U.S.C. 1681i, I request that you complete this investigation within the legally required 30-day timeframe and provide me with an updated copy of my credit report showing these corrections.

Thank you for your immediate attention to this matter. I look forward to a prompt resolution and verification of these corrections. 

Sincerely, XXXX XXXX Phone Number : XXXX Email Address : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was alerted by my XXXX XXXX app that there had been a hard inquiry reported to Equifax, which I hadnt requested nor authorized. I immediately contacted the company that performed the inquiry, XXXX XXXX, and they opened an investigation. I also went online and disputed the transaction through Equifaxs online process. I then received a letter from Equifax, dated XX/XX/XXXX ( just one day after the dispute was filed ), stating that the inquiry was a factual record of file access. On XX/XX/XXXX, I received a letter from XXXX XXXX  saying that their investigation had been completed and confirmed that it was fraudulent. The letter further stated that the bank would inform all three credit bureaus to have it removed. So, on XX/XX/XXXX, I checked my credit report and found that the inquiry is still on their and still impacting my credit score. I again filed a dispute with Equifax who again stated that inquiries are factual records of file access. I understand that it is factual that someone accessed my credit file, but they did son fraudulently so this should not appear on my credit file, especially when it impacts my credit score. Also, I wanted to attach the letter from XXXX  to my dispute, but Equifaxs website does not offer that option.
Product: Checking or savings account

I have tried to reach out to capital one several times. When I first learned there was claims and charges being filed on my account I immediately called Capital one. Except then they decided to close my accounts. My identity was stolen as was my debit card. I am not a risk to the bank and would like this re reviewed as I had no idea at the time of these claims. I only learned after the fact. Now I cant have a checking account at capital one even though it isnt my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputed the unverified, unvalidated, and inaccurate XXXX XXXX Credit Card numerous of time most recent XX/XX/2022. The account keep coming back verified with none of the requested information provided i.e. original contract or correction in inaccurate and incomplete payment history. I have exercise my rights according to the FCRA.
Product: Credit reporting or other personal consumer reports

Please see the True bill attached for the ( 5 ) violation of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and delete from my credit report. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the attached dispute letter, which is dated, and time stamped, and invoice attached.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account - XXXX 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 an account without my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 RE : Requested wave from Late payment 30days from Capital one account. 
If you explain the 30 -day Late Payment issue, I found that a company that I didn't know in the private account of the bank had automatically deployed {$34.00} for five months. I immediately contacted the bank and stopped the Debit Card. But there was a passing without knowing that Capital Payment was paid. I continued to receive a message that I couldn't pay for it in Capital One, but I thought it was a wrong message. Later, I found out that Debit Card had a capital one payment on a card that was stopped, but I knew that it was already reported to the credit -related company. I admit that I made my mistake, but I am disappointed that the credit score has go down over 100 points. 
I want to make a good credit and I will ask you to exclude the credit company.
Product: Mortgage

On XX/XX/2020, I applied online for a Cash Out Refinance Loan from Navy Federal Credit Union ( NFCU ) and was required to fee for the credit check. Based on their product offering pages and application it seemed like NFCU offered this type of loan, so I completed the application and paid the required fee. A few days later, the loan officer from NFCU ( XXXX XXXX ) informed me that NFCU does not offer this product and was going to withdraw my application. After our conversation, I realized I should have asked for a refund since the product was not offered. This product seemed like it was and I won't have applied if it was not available.I attempted to contact loan officer multiple times after - through email and phone, but she didn't not return any of my messages. A few weeks later, I spoke to another representative ( I didn't get name ) that told me she was processing the return payment and that it will take a few business days. I waited over a week and nothing was returned/credited to my account, so I called in again. I spoke to another phone representative, who told me nothing had been processed and they need to get authorization from loan officer. The representative told me they can not get a hold of my loan officer, so I should call back and ask to speak to them directly. I called back a few days later to ask for a supervisor, but they weren't available, so I was given 2 names ( XXXX XXXX and another but I can't find my notes ) and the rep asked either of these supervisors to call me asap. About 2 days later ( XX/XX/XXXX ), I called back to speak to one of the supervisor to get an update on refund, and spoke to her. XXXX said she was going to process the refund and that I would see the amount in my account in a few business days, but may take a little longer since it was a holiday weekend. On XX/XX/XXXX, I checked my account and still did not see the refund, so I called back. I left XXXX a voice message asking for her to return my call so I could get an update. I didn't receive a call from her, so on XX/XX/XXXX, I called back to get an update, but she was not in the office. The phone represenative did confirm the application does give the option for a Cash out Refinance loan on investment properties, but NFCU does not offer them. I am submitting another complaint with NFCU.
Product: Debt collection

I have recently received a phone call from Audit systems at XXXX and they are saying that I have a outstanding debt from a company and they wont provide any information about the debt, they have some information but keeps asking me about more information about my personal life information that should never been asked. The debt was never verified by the reporting company as written off, and could not even provide statements of so called documents of charges that rendered service that was not covered by insurance. The debt collection agency would not issue any verification of the charges that she was trying to collect and repeatedly request and gave a 2 day call back retraction schedule for a sunday since the call was taken Friday. And I was told to call back if any ideas or suggestions about this debt and the call is outgoing only. So it sounds very much fraudulent.
Product: Checking or savings account

on XX/XX/XXXX I checked my Bank of America checking acct to pay my bills, rent, etc with the stimulus and economic hardship money I received along with unemployment only to notice {$3400.00} was debited from my acct on XX/XX/XXXX. I made appointment with bank to discuss issue. Spoke with XXXX who got bank mgr involved along with XXXX XXXX on speaker phone. There was a balance left on charge-off fraudulent auto loan back in XXXX with Bank of America and they took the money leaving me with a {$100.00} balance in the middle of a pandemic that me and my family is struggling from. This fraudulent charge was removed from my credit and from my bank statements on my acct and almost a year later later this occurs which I thought issue was resolved. Also I was informed this is illegal to do because of pandemic order signed by the President and further more Bank of America is a Federal Bank which makes it illegal to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent out the first complaint and Experian did not remove the inaccuracies on my credit report
Product: Credit card

Currently I am a Capital One Quick Silver Credit Card holder. withdrew {$160.00} in cash On XXXX XXXX, 2016 I made a cash withdrawal for {$160.00}. 
The charge appeared on my account and I continued to pay my bill. Come XXXX XXXX, 2016 and I signed into my account only to see the charge duplicated. I filed a fraud investi- gation. Capital One gave a temporary claim adjustment but latter old me that there was no fraud, I ask for their investigative report but they have not given me any proof only all indications that it if in my statement as a charge which I will unfairly have to pay next billing cycle.
Product: Credit reporting or other personal consumer reports

I have not been too interested in my credit before now that I am upon reading my cred report I have found serveral fraudulent account and serveral hard inquiries on my report which includes XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX hard inquiries which includes XXXX XXXX XXXX XXXXXXXX XXXX  XXXX