23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am not surprised Navient is being sued/accused of Bad practices. It all makes sense now. I wanted to apply for a REPAYE repayment plan however Navient customer representative on the phone said I had to apply for the INCOME DRIVE PLAN ( even though I did qualify for REPAYE ) because its the same thing as the REPAYE!!!!!!!! ... ... ... ... ... ... .really!! The Rep finally admits with SHAME in his voice! that they are different and continues my application process. Can't believe they train Navient employees to LIE & misguide us. To catch them redhanded had me disgusted. I then submit my papers required to apply for the REPAYE plan ( submitted via FAX, upload file on site, and uploaded file while on phone, emailed them too ) .. They some how never received it for over 2 months .... Finally after 2 months of calling/following up/waiting ( and continuing uploading of files ) I call them yet again and they tell me that they decided to finally push my application to start the process ... ... After 3 weeks MORE it gets processed. Now They charge me no where near the 10 % of my income that they are suppose to charge me and I end up arguing with them again for weeks until they finally decide to lower my payments to the amount the GOVERNMENT REPAYE program plan should be. This company makes you feel like your in your local car dealership. They LIE, Manipulate and mis-guide you in order to make you pay as much as possible per month. Can't believe this company does business with our government. Disgusted
Product: Student loan

FedLoan Servicing notified me that I was required to submit the annual recertification for the IDR plans on my federal student loans. I timely did so, but have since learned from the U.S. Department of Education that  this was a false and misleading demand -- as, due to COVID-19, the deadline to recertify IDR plans has been extended for at least 12 months. This means, for example, if I was scheduled to recertify on  XXXX XXXX, XXXX, I was not required to recertify until XXXX XXXX, XXXX. And because of FedLoan 's false recertification demand and threat to take me off the IDR plans, my new calculated IDR payment is much higher than if they would have let me know that I was not in fact required to recertify for at least another 12 months. Because of their deceptive notification and practices, I demanded that FedLoan roll back my recent recertification and put my previous monthly amount back in place -- but they refused to do so. I hope that CFPB can hold them  accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SD XXXX Re : Account # XXXX | SSN : XXXX Dear Sir/Maam, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : XXXX XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negative documentation impact my consumer report and are considered as part of my transactions and experiences between your company and me. Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the expressive time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would demand that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. Please forward any changes to my account to the address below. Thank you for your attention and understanding in this matter. I look forward to hearing back with the positive adjustments made to correct payment history by removing everything negative inflicted on my reputation as a upstanding consumer. 


Regards, XXXX XXXX XXXX : CFPB FTC Texas Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continued time in and time out to correct closed accounts account balances information being incorrect and each time its disputed its denied without properly reviewing particularly theres an account with XXXX  XXXX  that shouldnt even be on my report because the company did not follow the proper channels that the fair credit reporting act follows never received documentation never verified the debit was valid nothing even called the bureau today to see if I can get copy of the documents and no help so this is why Im filing this
Product: Mortgage

My loan was transferred to Mr. Cooper and I have set up biweekly payments. They refused to provide the pay off date for the biweekly loan. 20 requests, complaints to customer service in writing, escalation to supervisors to no avail.
Product: Mortgage

In XX/XX/2019, I agreed to a Forbearance Plan with Ditech to make a portion of my payments due to current financial hardship. Both Ditech and I agreed to a monthly payment plan which is due to end in XX/XX/2019, at which time I will began to make full payments and pay any outstanding balance owed. At the time of establishing the Forbearance, Ditech stated that it would be reported to the credit agency as " Forbereance Plan and Paid to as Agreed. As of today I am current with all agreed to payment arrangements under the Plan. However, Ditech has reported it to the credit agency as " Past Due '' on the balance owed ( minus the Forbearance payments ), as opposed to being in a " Forbearance and Paid to As Agreed ''. 

This past due status has impacted my credit score substantially. On XX/XX/19, Ditech says they are unable to provide me with documentation/material outlining the Forbearance process and how its reported to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. A am a victim of Identity Theft and have filed a report with the FTC. 
2. My Name, SS #, and Date of Birth were stolen, and the thief was allowed to add a fraud XXXX email account, add another phone # and address to my XXXX  Credit Report, and were able to obtain a Credit Card in my name mailed to the address they added to my Credit Report. 
3. I called Experian today after checking my report to make sure corrections were made and I do have a 7 year free credit report alert monitoring - which I confirmed - I have a " Pin # '' which I would need to use if I needed to get information - or unfreeze - my credit report - Experian did not ask me for this information - which I thought was concerning - since this is supposed to protect me. 
4. I have opted out from receiving any direct mail from banking agencies etc. as well as other direct mail over a year ago. 
5. Although I am not receiving those, Companies are STILL ALLOWED TO MAKE " soft inquiries '' and get my CREDIT REPORT. 
6. Experian will NOT stop " soft inquiries '' without me sending more " personal '' information - including - Driver 's License, Bank or other type Date of Birth, etc. in writing - I do not feel I should have to mail them MORE personal information. 
7. I do not want anyone checking my credit report for any reason without my permission. 
8. I don't think any of the requests should be allowed or honored - this is an invasion to my privacy which has already been compromised. 
9. XXXX and XXXX indicated that existing creditors are allowed because of the CRA Credit Reporting Act can continuously look at my report - EVEN if I am never late and have a great credit score. 
10. Experian said I can OPTOUT of these inquirie in # 9 - by furnishing in writing the more intense " personal data ''. 
11. SO THERE IS CONFLICTING INFORMATION GIVEN TO ME - IF THE CRA IS ALLOWING THIS - IT SHOULD BE STOPPED - AT LEAST FOR THOSE OF US THAT CONTINUE TO HAVE GOOD CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My transunion report show a collection account thats is not valid and does not belong to me, under FCRA transunion has failed to provide me with the proper procedure they follow to investigate a collection account that does not belong to me. i would like this collection account deleted from my report with any further delays as its hurting my credit. 

XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX,
Product: Checking or savings account

Capital One Bank transferred my IRA account to XXXX XXXX XXXX as of XX/XX/22. I received notification through the mail from XXXX XXXX that this had been done. I called Capital One IRA department and spoke with XXXX ID # XXXX on XX/XX/22. He claimed that Capital One is phasing out IRA 's however nothing online confirms this in fact the contrary. He also said Capital One mailed notification that they would be transferring my account. I did not receive this mailing. I am trying to call XXXX XXXX which disconnects you and has unreasonable call wait times. I still can not reach them. I like to know how it is legal to transfer an individuals funds without their consent. If I did not respond to the notification then my funds should have been returned to me. I would like to know what law gives Capital One authorization to do this.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their XXXX " XXXX XXXX XXXX '' savings accounts. Capital One misrepresented the XXXX XXXX XXXX as having XXXX of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the XXXX XXXX XXXX XXXX This deliberate obscurity and lack of transparency violated XXXX XXXX and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Money transfer, virtual currency, or money service

I opened an account with Robinhood last year and deposited over {$90.00}. My money should have grown exponentially due to XXXX stock purchased. Robin Hood has stolen my money and close my account without any reasoning whatsoever and they refuse to return my money.
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. 
Office of the XXXX  XXXX account # XXXX, XXXX XXXX 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB. Im a victim of fraud, please forward these documents to Capital One. Thank you!
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a formal dispute to Equifax regarding inaccurate and fraudulent items on my credit report. These inaccuracies are negatively impacting my credit profile. Under the Fair Credit Reporting Act ( FCRA Sec XXXX ), Equifax is required to respond to such disputes within 30 days ; however, as of today, no response has been received. Below are the details of the disputed items : Correction of 30-Day Late Payment on XXXX XXXX  Account Account : XXXX XXXX  - Account Number : XXXX Issue : A one-time 30-day late payment was inaccurately reported on my account. I have not missed any payments, not to mention one can clearly see XXXX and XXXX reported that there was a 30 day late in XXXX where as Equifax reported the same in XXXX, none of the reporting was correct and needs to be updated according to the supporting documentation, including a copy of my payment statement for the month in question, was provided with the dispute to demonstrate that the late payment mark is erroneous. 

Dispute and Removal of XXXX XXXX XXXX  ( XXXX XXXX  ) Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Account Number : XXXX Issue : This account was fraudulently opened in my name. Supporting evidence, including documentation proving the account was unauthorized and fraudulently created, was also included in the original dispute. 

Despite providing all necessary supporting documentation, Equifax has failed to respond within the 30-day timeframe stipulated under the FCRA. This lack of response represents a violation of FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ), which mandates a timely and complete investigation of consumer disputes.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Here are the account marked inaccurate. XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

in XX/XX/XXXX i financed a air conditioner through synchrony bank and was issued a credit card account and was told that if i paid it in 18 mo i would not be charged interest if paid off in full by that 18 month in XXXX i got laid off due to pandemic i kept making my regular payment never missed but when XXXX came i could not pay it off in full the oringinal balance was XXXX i had paid it down to XXXX i ask could i have more tome but they would not extend it they turned around added XXXX to XXXX account and told me that was the interest for XXXX and then they started to charge e interest on top of interest daily this is not the program my sales person told me at this rate i will never pay this off my balance is XXXX and i have been making my payments regularly the total interest should have been charged on remaing balance which was XXXX this is a real rip off even on a regular loan i would not be paying this much payment is XXXX and only XXXX dollars is put on principal can you please check this out .I i already transfered this to a 0 % credit card but i want the excess interest that was put on this account refunded to me
Product: Credit reporting or other personal consumer reports

Demand to opt out indefinitely. In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. Equifax and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data. 
Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as Equifax and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to Equifax, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon.

Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet Equifax and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which Equifax and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried, for a significant period of time, to dispute a Bankruptcy that is being reported under my name and attached to my social security number. I first consulted XXXX XXXX, who contacted Experian on my behalf. The XXXX XXXX was used to " verify '' the Bankruptcy through XXXX 's data system. There were no phone calls, no paper trails, no true verification of validation of anything. XXXX XXXX did nothing to question their method of verification, but certainly took money from me in a hurry. I then contacted Experian on my own and tried to submit my dispute using the FCRA because I have been advised that it's best to dispute this way, even if something is not valid, unverified, or potentially fraudulent because too many people have abused the system by filing false police reports in attempts to get credit sweeps and get a clean file. The problem is no proper investigation has been conducted. Experian collects their information from XXXX. XXXX claims to get their information from the courts. The clerks in the courthouse, will testify that they do not verify or validate anything by phone, e-mail, or fax regarding court records. The court records DO NOT SHOW the entire social security number, and if any of these entities had honestly taken a look, they would see that my social security number, which Experian knows very well, is NOT on the court records. What the court records show is completely different. Therefore, they have reported inaccurate information for a long time. Due to the fact that I was duped into trusting XXXX XXXX to perform any work for me, plus trying on my own to dispute this matter, Experian has decided they don't have to look into this any further. At this time, I have more information, and they will not allow me to initiate a new dispute. This has gone on long enough, and I have been more than civil, patient, and respectful. They are not entirely accurate when the investigation results ' letters come back stating the court verified it or that XXXX verified it. Experian and XXXX are for financial gain, and I represent money to them because they can continue to report unverified items. The court reports use name and address, which XXXX records. That is not proper validation, particularly when Experian does nothing except repeat what XXXX states. After all this investigation I discovered on my own, they have now decided to not give me an opportunity to dispute this.
Product: Debt collection

1st Franklin Financial should have been removed from my credited report as it was dismissed within court. My info was misused, after paying off initial loan with 1st Franklin Financial they printed a following check to keep me with them, I rejected the check & it still ended up on my credit report for 6 years. I now have a letter from the county court which dismisses 1st Franklin of pursing payments any further.

I would also like my XXXX Data Breach settlement, my information was compromised 2017 & a number of times afterwards as inquiries, random addresses which Ive had to update a few times have been displayed & used on my credit report that were not my address.
Product: Debt collection

On XX/XX/year>, I went to the hospital and was later billed for {$1500.00}. 
On XX/XX/year>, that exact amount was paid in full, and the hospital portal showed as such. 
I was contacted by CMRE debt collectors via phone and mail due to debt I owe on a visit on XX/XX/XXXX for {$1400.00}. 
None of the account or reference numbers match the number that CMRE says the debt is to, and they spelled my middle name as XXXX instead of Virginia. 
When I contacted CMRE, they blamed me for the incorrect balance and assumed I didnt go through my records to find the correct bill of the {$1400.00} amount. I paid the hospital one payment of exactly how much I owe.
Product: Credit reporting

hello i have tried sevrel times to get experian to delete negative info that the company agreedto delete no response and there system will not allow me to do an online dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting derogatory information on my credit report I've gone onto their portal 3 times to obtain a copy of my credit report from them and each they asked me to enter my PII in order to obtain a copy of the report and each time i've done it on 3 separate occasions and each time I receive a letter in the mail telling me to access my credit report on their website and each time the site address and the PIN doesn't work after trying it several times the most recent letter came with a site of https : XXXX pin XXXX