23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Navient is attempting to illegally collect on a student loan XXXX by bankruptcy. Navients response to a previous complaint states that the loan was a qualified education loan. This position is incorrect as referenced in Bulletin XXXX : Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts, where the CFPB explains XXXX Second, Fifth, and Tenth Circuits have held that the educational benefit exclusion does not apply to student loans. ( XXXX, XXXX XXXX at XXXX ; XXXX, XXXX XXXX at XXXX ; XXXX, XXXX XXXX XXXX XXXX. ) The CFPB also states that this type of loan was not exempt from general order of discharge because it was a loan made in excess of the cost of attendance ( see attached statements ). The CFPB states that the practice of attempting to collect on a loan such as this constitutes a violation of federal consumer financial law. Navient is even in breach of the Navient XXXX XXXX XXXX where Navient is to refrain from informing private loan borrowers that their loans are non-dischargeable in bankruptcy. Several agents told me private loans were non-dischargeable in bankruptcy. This loan was not made, insured, or guaranteed by a governmental unit, or made under any program funded in whole or in part by a governmental unit or nonprofit institution. The loan is not a qualified education loan per IRS code XXXX ( d ) ( XXXX ) as it was higher than the cost of attendance, paid directly to me by check, and was not used solely to pay qualified higher education expenses as my first year was paid for by scholarships, grants, and federal student loans. I have included statements from XXXX that prove this fact as no money from the loan was paid to XXXX at any time. Any private loans in these categories ( loan in excess of cost of attendance as this one was ) are XXXX by standard bankruptcy discharge orders, just like most other unsecured consumer debts. ( See, e.g., XXXX, XXXX XXXX at XXXX ; XXXX XXXX XXXX XXXX at XXXX ; XXXX, XXXX XXXX at XXXX ) The CFPB examiners discovered XXXX student loan servicers engaged in unfair acts or practices, a violation of the Dodd-Frank Act, when they resumed collection of debts that were XXXX by bankruptcy courts. The conduct caused or was likely to cause substantial injury to consumers because the representations made to consumers in billing statements and other collection attempts were likely to result in consumers making payments they did not owe. Navient is attempting to do this to me now even as I have repeatedly told them that this loan was XXXX because it was not a qualified education loan and is treated as any other consumer debt. In addition to this complaint, I have recently written letters to CFPB XXXX XXXX XXXX, CFPB Private Education Loan Ombudsman XXXX XXXX, and Congressman XXXX XXXX to alert them to Navients activity. I wish for this to be resolved before Navient transfers this loan to XXXX, a servicer who is known to mishandle loans. Attached are the statements from XXXX, the bulletin from the CFPB, and my bankruptcy discharge order.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the item from my credit report, they should be promptly corrected. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the accounts information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

We had a credit card through Chase ( specifically the Southwest rapid rewards card ) that we paid off the balance and closed the card in XX/XX/XXXX. The card was not closed as we had requested and we were charged an annual fee of {$100.00}. When I received a statement in XXXX regarding this I called Chase on XX/XX/XXXX and requested the card be closed. They agreed to close the card and refund the annual fee. I then received another bill XX/XX/XXXX with the {$100.00} charge, an interest charge of {$1.00} and a late fee of {$25.00}. I called again on XX/XX/XXXX and was told there was no evidence the card was cancelled or that the annual fee was refunded. I spoke with a supervisor who stated that she could not refund the annual fee and that I would have to fax a letter to the executive office. She also would not allow me to speak with her supervisor ( name XXXX, in XXXX OH )
Product: Credit reporting

Equifax continues to verify fraudulent accounts that I did not apply for. This is very frustrating as I have provided them with a copy of my identity theft report. My credit has suffered severely due to someone stealing my identity. XXXX of the fraudulent accounts are listed on my credit report and they do n't state the companies name, so I have been unable to dispute with the creditors directly. The fraudulent accounts are XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX. What are my rights around this? Am I able to sue Equifax for allowing fraudulent accounts to be reported on my credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

Per agreement with XXXX on XX/XX/19 this company was suppose to remove all late inquiries to my credit report. They still continue to report this account late. I got an alert from XXXX  last week and XXXX  today that they have reported 3 late payments and are still updating this account as LATE. I am attaching the agreement that outlines that these late payments are to be removed from all credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting negative items on my consumer file without consent from me. As pursuant to 15 usc 1681b ( a ) ( 2 ) I never gave no company written instruction to furnish anything on my consumer file. I am requesting to remove these negative information from my report immediately this is DEFAMATION OF CHARACTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I certified mailed a letter informing Experian, XXXX, and XXXX of the identity their and the accounts that are not mine. Along with the letter I have sent them a police report, the a copy of your XXXX  Identity Theft Report, a government-issued ID with a photo, proof of your address, social security card and Notice to Furnishers of Information.
Product: Mortgage

I HAVE AN ENFORCEMENT CASE AGAINST WELLS FARGO. THEY REFUSE TO PROVIDE MY ASSIGNMENT OF MORTGAGE AND NOTE. THEY REFUSE TO PROVIDE MY POOLING AND SERVICING AGREEMENT CLAIMING PRIVACY. MY MORTGAGE WAS POOLED AND SOLD INTO A TRUST. THE TRUST IS OF PUBLIC RECORD. CLEARLY THEY HAVE NO RIGHT TO THE MONEY I AM PAYING THEM EVERY MONTH. TO THIS DAY THEY REFUSE TO PROVIDE THE DOCUMENTS. BECAUSE MY MORTGAGE RESIDES IN A TRUST THE INFORMATION IS OF PUBLIC RECORD AND NOT PRIVATE AND PROPRIETARY AS THEY CLAIM. IT IS ALSO SUBJECT TO THE SEC PROCESS OF FILING REPORTING AND MAINTAINING SUCH DOCUMENTS. THEY HAVE A VERY SERIOUS ISSUE. SEE ATTACHED DOCUMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute in regards to incorrect items on my credit report. It has been well over 30 days I haven't received any investigation results.
Product: Debt collection

This is a formal complaint that LENDING CLUB CORPORATIONS are reporting inaccurate information. I am in distressed since finding out they have included the information on my credit profile, not only did they fail to maintain to follow the proper steps to determine wether the information was fraudulent, but they have continued to harass with out giving me the opportunity to defend these false claims. I am not in the best position to pay or lose money on an account that is not mine. As a matter a fact, they lack to do their due diligence, which is required by law, meanwhile I'm in distress because it's preventing me from obtaining a stable job. Please, I would appreciate any assistance with this misleading company. I have attempted to explain that this account was fraudulently opened to set me up for failure, and is now impacting my personal and professional lifestyle.
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems is reporting debts on my credit file that are not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If IC Systems is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 . Or list of inquiries 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

XXXX XXXXXXXX XXXX indicated to me that they have merged my information into old information from 15 years ago. Told me they can not verify my info. I paid a XXXX charge off trying to clean my credit. They are reporting incorrect into to all three major credit bureaus and they all are reporting incorrect and different information. I have disputed to no avail.
Product: Credit card or prepaid card

I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I first gained knowledge of a collection account against me after obtaining copies of my credit report. I disputed with the XXXX major reporting agencies. It was only removed from experian. I disputed multiple additional times with the other two reporting agencies. Each time they came back as confirmed. I then received a letter from Radius Global ( the collection company ) that they received an inquiry regarding the acct with the original creditor, XXXX XXXX. The letter stated that I returned a DVR box on XX/XX/XXXX and all DVR charges were stopped then. This is absolutely wrong! I will attach portions of bills since that date that show continued DVR charges. 
The reason I believe the collection wrong is due to the fact that XXXX offered and I accepted to lower my monthly bill on XX/XX/XXXX with an increase in my internet speed, everything else was to remain the same. 
On XX/XX/XXXX I contacted XXXX customer service due to my services not working. I was told my account would be credited due to the non-service. 
I was then told, the XX/XX/XXXX change disconnected the DVR service. The customer service rep stated I should have been told that as its in their documentation. She said it needed to be upated in the information provided to customers. She advised I would receive an additional charge to add it to my account as it was. Instead, I requested services be returned as before the XX/XX/XXXX change. She was to escalate my request to whatever dept handles such things. ( XXXX did not add the DVR back before I canceled services XX/XX/XXXX. ) I was transferred to IT due to Services not working, After multiple attempts by their IT dept to fix service, it was determined that the equipment needed to be exchanged. My billing was to be frozen until I was able to exchange the equipment as no services were being received. I advised that it would be a couple of weeks as I was not going to be home. 
A bill was received dated on XXXX. 
New charges of XXXX due for services XXXX XX/XX/XXXX ( Base price XXXX ) It included a partial charges of XXXX for DVR service through XX/XX/XXXX. I contacted customer service, the rep advised the DVR service showed as added to the bill was still never reactivated as a signal couldnt be sent. The bill also did not show as returned to how it was before the XX/XX/XXXX. 
On XX/XX/XXXX I contacted XXXX customer service again to address multiple issues. I was back home and needed to exchange equipment. Billing had continued and was not frozen as agreed. DVR service never reactivated as signal unable to be sent, New charges on bill for DVR service, missing credit for Services not working and having multiple days without service not received. Billing errors as account not changed back to be like before XX/XX/XXXX. After bring transferred multiple times and being put on hold, I requested all services be canceled immediately. I wasn't home to utilize it much anyways, was tired having to spend hours on phone with the XXXX reps. I advised instead of exchanging equipment, I would be returning it, which I did.
Product: Debt collection

I HAVE MADE NUMEROUS REQUEST OF PROOF OF DEBT AS WELL AS DISPUTE ANY DEBT PURCHASED BY THE NON AFFILATED THIRD PARTY DEBT COLLECTOR PORTFOLIO RECOVERY ASSOCIATES
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX {$0.00} XXXX Update to never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen Loan Servicing has listed our home for foreclosure sale 4 times on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice it is a fact that I am a federally protected consumer, as such I have the right to privacy. Notice it is a fact that my federally protected rights have been violated. Notice it is a fact that I have never signed a contract or promissory note with the company XXXX XXXX, XXXX, whereas I believe them to be a debt buyer. Notice it is a fact that this company must operate under the FDCPA. Notice it is a fact that I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX. Notice it is a fact that failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. Notice it is a fact that I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy. Notice it is a fact that I demand this account be removed from a collection status and reported as paid in full or pay {$560000.00} for every minute this account has been illegal reported on my consumer reports.
Product: Credit reporting or other personal consumer reports

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that clearly violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. ( XXXX ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me. ( XXXX ) Computation Error : There is a computation error or similar accounting error on the creditors statement. Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXX  - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

NAVIENT - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

XXXX  - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately.