23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XX/XX/XXXX This letter of complaint is concerning Navient telling me that I owe higher monthly payments than what was agreed upon in my consolidation loan promissory notes payment plan.
Navient sent me a letter onXX/XX/XXXX and XX/XX/XXXX with an updated payment schedule stating that my monthly payment will be increased to {$260.00} because my loans were under disclosed. According to my promissory note I selected the graduated payment plan C1 and my agreed upon payments are : 75 months at {$75.00} on XX/XX/XXXX 75 months at {$130.00} on XX/XX/XXXX 150 months at {$170.00} on XX/XX/XXXX Beginning XX/XX/XXXX I am on the final step of the payment plan of 150 payments of {$170.00} remaining with a payoff date of XX/XX/XXXX.
Navients letter stated that in order to pay the loan off on time the payments have been adjusted to {$260.00}. No documentation ( though requested multiple times over the phone ) has been provided proving their claim. They indicated that an audio recording exists indicating that I agreed to this higher amount, but in order for me to hear the recording I will need to secure a subpoena, pursuing legal action. Upon further questioning they admitted that no such recording exists.
When I spoke to representatives on the phone, telling them I can not pay the higher monthly amount they are demanding, they informed me that I could go into forbearance. Only after I communicated that this is something they are being sued over did they then inform me of other payment plans.
At this time Navient is stating that I am 90 days past due on my loan despite my continuing to make payments of {$170.00} ( the payment due according to the promissory note ). I am asking Navient to correct this with all of the credit bureaus. I am also asking that my payment plan be corrected to the contractually agreed upon amount.
Out of fear of being put into default I have paid the extra monthly amount that Navient has declared that I owe. I have paid Navient {$540.00} in overpayments from XX/XX/XXXX - XX/XX/XXXX. This extra amount is enough to cover my monthly payment due of {$170.00} for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I am unemployed and have been borrowing money from family and friends to make these monthly payments. I am no longer able to make payments due to this undocumented increase in payment that Navient is stating that I owe.
Unable to make Navients unjustified payment increase, I continued to make the agreed upon payment of {$170.00} starting in XX/XX/XXXX. Navient has charged late fees of {$100.00} for me not paying the higher amount. I am requesting that Navient return to me the amount of {$100.00} and any additional late fees added after XX/XX/XXXX.
To reiterate, I am also requesting that any erroneous reports given by Navient stating that my account is 30 or more days past due be corrected with all credit bureaus. And lastly, that Navient correct the monthly amount due to the agreed upon {$170.00}.
Product: Money transfer, virtual currency, or money service

I filed two disputes with PayPal and the people they have in place to resolve problems are from the XXXX and they can barely speak English. Also they do not understand the American culture. I had a problem with XXXX where they were to credit money back to my credit card and they never did it and it took PayPal employees from the XXXX about two weeks to understand what was going on after I made many phone calls. As of today I have a {$240.00} dispute with PayPal and its going no where because I have no way of communicating with PayPal employees from the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that you are not restricting files provided with an FTC fraud report. Because it is required by FCRA law 605b, I am sending this letter certified mail to assist establish legal remedies. If you do not ban the items mentioned below that are reporting incorrectly due to identity theft, I will turn over my paperwork to my attorney to initiate legal action. It is my aim not to take legal action, therefore please follow the law. Please delete the following products, which are fraudulent and were opened without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX FI XX/XX/2020. If you say that these goods are 100 % true and verifiable, I require copies of any paperwork linked with this item that has my signature, as I am aware that none exists. In the absence of such documents carrying my signature, I formally request that this information be removed from the credit file you keep under my Social Security number immediately.
Product: Credit card or prepaid card

I am a Discover Member since 2013, but they have closed my account but I never made a late payment or did any thing wrong, This is affecting my credit score since my total available balance is dropping significantly,
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX,
Product: Debt collection

I was sued by Portfolio Recovery and had a scheduled date on Monday, XX/XX/2024 at XXXX. The hearing was schedule via XXXX. Not only was the attorney approximately XXXX minutes upon logging onto to the court hearing, but Upon request for required documentation written on my answer denying the claim prior to court and during the court hearing such as a signed written agreement, disputing the amount owed and a service that I dont remember having. The attorney XXXX XXXX representing Portfolio Recovery and judge stated that once Im being sued they dont have to provide a written agreement. I did not deny the facts of opening an account with XXXX ( XXXX XXXX  ) ; however, I did not agree with the amount owed and was never notified of the debt owed by Portfolio Recovery. The XXXX letter received was a lawsuit from XXXX XXXX. I am going to appeal the decision made with the XXXX XXXX XXXX in XXXX GA because Portfolio Recovery had unsubstantiated debt, attempting to collect on a debt without offering to provide necessary documentation to me within XXXX  days and initiated the debt collection lawsuit without possessing required documentation needed.
Product: Vehicle loan or lease

San Diego County Credit Union, They add XXXX to my loan amount XX/XX/year>, it is a scamm I just find out now.
Product: Credit card

I currently have a PayPal rewards Mastercard issued through Synchrony Bank and have over XXXX redeemable cash points but both companies/business 's will not find a solution on how to distribute to me. I've been going back and forth for over a month getting bounced around to different representatives with the same result and both companies take no responsibility and blame the other company. I've attempted to speak with supervisors and they've opened tickets to resolve but the ticket gets closed with no resolution. The points are set to expire XX/XX/2023 and I don't want to lose the cash value due to the large amount of points.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00}
Product: Vehicle loan or lease

On XX/XX/2021 I called Hyundai Motor Finance to transfer my title held by them from XXXX to XXXX. They sent me an email to respond to with the documents the need to send to XXXX. XXXX gives me 30 days to register my vehicle after moving. On XX/XX/2021 I went to the DMV to see if they received the documentation from Hyundai Motor Finance and they did not have it. I then called Hyundai Motor Finance and they had no record of my transfer request and they could not contact anyone in their title department to find the request. They told me to resubmit the request which could take another 15 business days to process. There was no one I could escalate to that could contact the title department to fix the issue with their process. This is unacceptable as my insurance called me to end my policy since my car is registered in a state I don't live in. My registration also expires on XX/XX/2021 which I am unable to renew since I no longer live in XXXX. Now because Hyundai Motor Finance dropped the ball I am unable to drive my family 's only car.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR RESPONSE HAS TAKEN MORE THAN 30 DAYS DELETE ACCOUNTS AT ONCE. Please Follow Suit and remove the following accounts from my credit report ASAP. If you fail to due so you will be breaking the FCRA rules and laws. In this complaint I will attach a follow suit letter. Proof of XXXX deletions, and the original letter which you failed to respond to within 30 day time period will be all be attached to this complaint. As a result you guys must delete these accounts due to privacy consumer rights at once. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ACCOUNT HAVE BEEN REMOVED FROM OTHER BUREAUS PLEASE REMOVE AT ONCE.
Product: Credit card or prepaid card

XX/XX/2019 Store Purchase XXXX XXXX XXXX  XXXX XXXX ADDRESS NOT AVAILABLE, XXXX XXXX SHOPPING Edit {$200.00} Transaction ID : XXXX - ( {$200.00} ) XXXX Store Purchase XXXX, XXXX, NC ON HOLD - {$3.00} I did not make these purchases but American Express / XXXX will not provide a provisional credit for these amounts until issues are resolved. I'm legally XXXX and can't purchase life saving medications.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account and currently still being applied. These fees were assessed despite having sufficient funds available at the time of transactions were authorized. However, due to delayed postings of charges and credits I was unfairly charged over draft fees. This issue appears consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe the practices are deceptive and unfair
Product: Money transfer, virtual currency, or money service

I had a checking account with XXXX ( XXXX, XXXX, NJ, XXXX ) on XXXX XXXX - Transferred - {$10000.00} XXXX to Discover Saving XXXX XXXX Closed XXXX XXXX XXXX XXXX to Discover Saving XXXX XXXX Discover revers back to XXXX XXXX went to XXXX XXXX and asking for my money but they told we didn`t have your money we have transferred to Discover. 

XXXX I have called to Discover and they told we don`t have your money. 
XXXX I have called to Discover and they told we don`t have your money contact to XXXX. 
XXXX I have called XXXX they told we have closed your XXXX and We didn`t have your money. 

I am redirect to XXXX to Discover and Discover to XXXX but nobody told Where is my Money and when can I get it. 

I would like to help me what should I do to get money and who can help me to get money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my Innovis Consumer Report are all fraudulent accounts : XXXX XX/XX/XXXX XX/XX/XXXX # :XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX MasterCard # :XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXXXXX Rewards Visa # :XX/XX/XXXX, XXXX XX/XX/XXXX # : XXXX, XXXX XXXX XXXX # :XX/XX/XXXX, XXXX XXXX XX/XX/XXXX# : XXXX, XXXX XXXX XXXX XXXX # : XXXX, XXXX XXXX XXXX XXXX # :XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX # :XX/XX/XXXX, XXXX XX/XX/XXXX # :XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX # :XX/XX/XXXX. The above accounts are all fraudulent accounts and not my accounts. I been receiving harassing and threatening telephone calls of profane, vulgar and and abusive language, garnishment of wages, job loss, being sent to jail and prison, violence and death from the above creditors Debt Collection Representatives. This is extremely concerning, disturbing, disgusting and frightening for me to be receiving threatening and harassing telephone calls of profane language, violence and death. I am in fear of my life. The above creditors are in serious and major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws. Innovis should not have these fraudulent accounts on my credit report. Innovis is in violation of the Fair Credit Reporting Act under Federal and State laws for reporting inaccurate information on my consumer report.
Product: Debt collection

ARS ACCOUNT RES HAS A ACCOUNT ON MY CREDIT THATS NOT MINE/INACCURATE.
Product: Credit reporting or other personal consumer reports

I filed for bankruptcy back in XX/XX/year> and experian did not report my bankruptcy and still has not over the months even after the bankruptcy was discharged. On the report it is still showing all past due amounts and when I disputed those items to show they are under bankruptcy, I was sent back a report saying everything is correct and the dispute did not change anything. I tried to submit another dispute after the fact ( months later ) and received a message saying I can no longer dispute these items. I have tried numerous times to contact them by phone and I can never get a hold of a live agent and the one time I was able to get through I was immediately hung up on. I will contact the Bankruptcy Lawyer to see if I have any other options but as of now Experian is not willing to work with me on removing these items and showing a discharged bankruptcy.
Product: Vehicle loan or lease

I tried to request a car loan ( XX/XX/2023 ) deferment from Chase Auto Finance and they refuse to defer my monthly payment. My spouse is currently not working. I am having financial hardship and difficulty staying afloat with our monthly bills. Chase, instead recommended that I divide my monthly payment by paying half now and half in 2 weeks. This does not solve our current situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 60 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 60 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the XXXX data breach and may have found its way into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies. 
Examples : XXXX I did not authorize this inquiry Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XXXX Company Information : XXXX XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Company Information XXXX XXXX Date of Inquiry XXXX XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX 2. The following inquiry is more than two years old, and I would like it removed I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. Please note that you have 3o days to complete this investigation. 
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 want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/year> but I never received a response. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN HAS BEEN GIVEN A FTC REPORT AND IT IS OBLIGATED TO DELETE THE ACCOUNTS ACCORDINGLY UNDER 15 USC 1681s-2 AND IF THE ACCOUNTS ARE NOT REMOVED IT WILL CONSTITUTE A {$1000.00} FINE PER 15 USC 1681n AND 15 USC 1681K