23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In the past couple months Ive called Naivent customer service in several attempts to be placed on hold at one time over 1 hour at a time to make reasonable payment options for my student loans. I feel like Navient systematically and illegally failed me at every state of repayment. I believe that Navient improperly directed me into forbearance causing me to acquire more debt. I was offered first a forbearance and I needed to pay a curtain amount which I paid, than later received a letter in the mail that stated that my loan was now delinquent. When i called i was told that the information that the previous associate provided was incorrect and they would not waive any of the late fees that I was assessed due the the negligence on their part. I was offered the income- driven repayment plan but was unable to make the payments provided. I also have previous late payments on my credit for a period of time I believe my loans to defer. I have reached out several times to attempt to have these issues rectified and the have gone unresolved. I am a single mother in a one income house hold. Im seriously wanting to purchase a home in the future and this is preventing me from doing so, I am reaching out begging for some sort of resolution.
Product: Debt collection

This is a notice and request as per the Fair Debt Collection Practices Act ( FDCPA ), [ 15 U.S. Code 1692 ( g ] for validation of debts made pursuant to the FDCPA laws. In order to validate this debt under the law that exists, please provide me with ALL of the below mentioned items : The identity of the original creditor. 
The amount of the alleged debt. 
The name and address of the original creditor, if different from the current creditor. 
The original lawful contract signed by both parties in wet ink, therefore binding both parties, ( the natural person ), and GOLDMAN SACHS BANK, that prove I agreed to pay the alleged amount. 
A XXXX accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt. 
Proof of compliance with the truth in lending laws of the United States Code, title Title 15 1601 et. seq. and Regulation Z.
Product: Credit reporting or other personal consumer reports

I am writing to express my gratitude for taking action to remove some of the fraudulent accounts from my credit report. However, my appreciation is overshadowed by deep frustration and distress over the incomplete resolution of my identity theft dispute. While I am thankful for the steps that have been taken, it is disheartening that not all of the accounts I am disputing have been addressed. This incomplete action leaves me in a state of uncertainty and distress, as my financial stability and peace of mind continue to be compromised. I urge your bureau to recognize the importance of finishing the work you have started. It is essential that all the fraudulent accounts that have been reported are thoroughly investigated and removed promptly. Piecemeal resolution only prolongs the anguish I have endured as a victim of identity theft. This is the fraudulent account left that you havent remove : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX. Please remove this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account # XXXX, # XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 602 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

U have sent a previous complaint concerning my account but they were not properly answered. I want to state the questions more specifically. 

1. Your banker told me it is federal law to do so what you did to me concerning insurance. If it is federal law it must be public knowledge and so what law do you refer? I never gave any permission or signed any paper to agree. At the time, I was not advised when you started it. Also, you charged what you wanted.what were the guidelines? 

2. What law allows you to force me to pay for your insurance after I paid off the principal on the line of credit? I requested to not pay that and you refused and you base this for a reason to not release my lien. Actually I did pay it and you still will not release my lien. It seemed like blackmail to me. 

3. Your bank told me that I would be reimbursed the insurance money since it was covering a loan that no longer existed. Have you now decided to just keep the money and have me pay for nothing? What federal law covers that? 

Your bank cashed to check that paid for this insurance and fees. Why do you deny? 

4. In XX/XX/XXXX I went to wells Fargo and made an additional payment on principal and I was told the remaining principal was XXXX. In XX/XX/XXXX, after 9 months of payments, my balance was XXXX. Please explain how. In fact, please explain why this happened all the time, the fact that the computer balance always differed from what the bank stated. Please explain. 

5. When I called the home equity dept at one time about this situation i was told they were attempting to collect a debt. Please explain this when no payments were missed. 

6. In XX/XX/XXXX-XX/XX/XXXX Harp assisted me with payment to your bank. Everything was brought to date and stayed that way.Please explain what status you kept my account.
Product: Checking or savings account

On XX/XX/2021 my posted balance was {$1000.00}. On XX/XX/2021 XXXX transactions cleared totaling {$250.00} left a posted balance of {$780.00} but they charge me an overdraft fee of {$36.00} for each transaction totaling {$250.00} leaving a posted balance of {$530.00}. On XX/XX/2021 They refunded on overdraft fee of {$36.00}. Then at transaction of {$1.00} cleared, then a transaction of {$320.00} cleared, then a transaction of {$760.00} cleared and they charged me a {$36.00} overdraft fee for that transaction because it caused my account to go negative $ XXXX. On XX/XX/2021 my account was not negative, but they charged me the late fees. They told me it was because they added up all the pending transactions and it made me negative even though they didn't clear and was just pending. They didn't charge me the fees the following day on the other two transactions. Now that BB & T is Truist it's ripping people off. I have been told they will do nothing about it because the computer program makes all the decisions. 
They closed a prior complaint that was filed on XX/XX/2021 COMPLAINT ID XXXX wrongfully. The resolution reached it's deadline so they made up a resolution that had nothing to do with my complaint and closed it out. 
They have provided CFPD false information to close the account. They probably do this all the time and their complaints need to be really investigated.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal statement notifying the above parties that the accounts under VIN # XXXX are disputed. The vehicle in question was purchased on or about XX/XX/XXXX, financed by XXXX XXXX XXXX XXXX, repossessed in the state of XXXX XXXX 
Under the laws of UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.

I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATER a XXXX o * $ XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF XXXX COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercia reasonable manner of the notification and resale of the subject vehicle. If no such proof is not provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCP and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes recodes and including but not limited to UCC 9-625 remedies. Furthermore, you are hereby notified.
Product: Student loan

I have been trying to get into contact with the National Collegiate Trust, or NCT, in regards to coming to a settlement on my loan. They do no have any contact information available. The company that they use to service the loan, American Education Services, ( AES ) has refused to give me contact information for NCT. I have called and spoken to several supervisors, who have given me false contact information for some other bank - XXXX XXXX XXXX  - who have no idea why AES is giving out their number.

In short, I can't reach anyone to get any information or negotiate a settlement for my loan.

Furthermore, CFPB issued a lawsuit against NCT in 2017. 
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-national-collegiate-student-loan-trusts-transworld-systems-illegal-student-loan-debt-collection-lawsuits/ I have since been made aware that NCT has been the subject of multiple lawsuits, and that my loan may be eligible for discharge.

I would like for NCT to provide me with irrefutable proof of ownership of my loan. If they can not provide this proof, I am requesting dismissal of the loan, and repayment of any and all payments made by myself to them on a loan they have no legal ownership of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX AES account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making on time payments to XXXX XXXX XXXX XXXX 's and they are not reporting to my credit report at all. The company has been saying that they are reporting to my credit file but it is not there.
Product: Credit reporting or other personal consumer reports

Hello There! 

I recently read through a copy of my credit report and I saw addresses on there that are not correct. I looked up your website and I have enclosed proof of my current address that you require. 

Here is a list of the incorrect addresses, please remove them : The only address that should be listed is shown at the top of this letter. I also would like for you tocorrect the spelling of my name. There should absolutely not be any variations of my namebecause it is spelled one way. I have enclosed my ID as proof of the correctspelling. 

Again, here is a list of the incorrect spellings : EMPLOYER - XXXX XXXX XXXX  This employer information does not belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania [ XXXX ] To Whom It May Concern, This letter is to inform you of negative and outdated reports on my credit report and for you to update my personal information, effective immediately upon receipt of this notice. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Under Title 15 U.S. Code 1681e which speaks about Compliance procedures, specifically for Identity and purposes of credit users, every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

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. 

Please update my name, address and contact info as well to : PERSON - XXXX XXXX XXXX XXXX DATE OF BIRTH - XX/XX/1988 MAILING ADDRESS XXXX XXXX XXXX, XXXX, Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX Update my personal information as I reported it so my Credit Report stays consistent with my information and remains in honor therefore I wont be subject to frivolous inconvenience. Any item older than ( 30 ) Thirty days please remove and update as well. Pursuant to 15 U.S. Code 1681c, Requirements relating to information contained in consumer reports, that item must be deleted from the report as soon as possible. 

Any other information other than whats been provided above is entirely inaccurate and as such represents a very serious error in your reporting. Please delete this misleading and outdated information and supply a corrected credit profile to all creditors who have received a copy within the last three months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under Federal Laws, you have ( 30 ) Thirty days to oblige this notice. 

Thanks for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX exposed my personal data. 
XXXX offered 1 year of credit monitoring and free credit freezing. 
I decided that, since the credit bureaus ca n't protect my information, I must take steps to protect my credit. 
Transunion and XXXX want to charge for credit freezes unless there is an identity theft report. 
I believe that XXXX should pick up credit freeze charges, as it was their breach that caused an issue. 
I believe that identitytheft.gov should recognize the theft of personal information as identity theft and grant a report of the same rather than defining identity theft as the misuse of a stolen identity which could happen 20 years from now. 
I believe that Transunion and XXXX should not collect a windfall profit from the mistakes of XXXX due to the reaction of responsible citizens trying to protect their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX Fed Loan Servicing updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported. 

Facts : Employee ID # XXXX completed a forbearance on my account that started XXXX and ended on XXXX. 

Employee ID # XXXX completed another forbearance on my account that started on XXXX. 

A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments. 

Later on XXXX a 12 month IDR plan was placed on my account. 

In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) Fed Loan Servicing is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX. 

Fed Loan Servicing has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.
Product: Debt collection

I received a letter from this company called XXXX XXXX XXXX about a year ago and I went to their website thinking I needed to pay. However, after looking on their site, it contained a lot of incorrect information about me. I began investigating the charge and it was claimed while I had insurance. I looked through my insurance to see if I ever received a charge from them and I never did. On top of that, I never went to the office they were requesting payment from. 

I then began looking into the company and found this site XXXX XXXX XXXX XXXX   They are a fake scam company that tries to scare people by using a statement that looks real and then have people pay them directly on their website. After reading the site, I decided to ignore the letter and throw it away. 

Months lately, XXXX was hacked and through that I was able to get a year of free credit monitoring. I received an e-mail recently saying that my credit score dropped. I logged into the XXXX  site, XXXX, and saw that my credit of XXXX dropped to XXXX. Apparently there was a collections filed against me by no other than XXXX XXXX XXXX! I have contacted the XXXX Credit Bureau to see if there was anything that can be done and they were unable to help me. I am now trying to dispute this collections as well taking the necessary action to report these people so that this doesn't happen to others.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are showing payment history on a closed account with XXXX on my profile. It has negatively affected my ability to secure credit and loans. Title 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies. I have disputed this with XXXX & XXXX to delete the payment history, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

MISSING INFORMATION I CANT DISPUTE WAS ISN'T THERE XXXX
Product: Bank account or service

My back account was close because of fraud activity they did not do any investigation at all. So they just close my back account I do n't have any idea what happened I would like this to be fix and clear my name they said I deposit a check that was no good I do n't use check so I want to my local police department to file a police report I do n't know who would do this but I need to get this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am 30 days past due on XXXX XXXX  partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please report XXXX XXXX account information on credit report as it appears on the attachment as you have failed to do so I. Compliance with Federal Truth in Credit Reporting act and FTC law as explicit.
Product: Debt collection

On XX/XX/2018 I sent an email to CashNetUSA revoking authorization to automatically withdraw funds from my checking account. On XX/XX/2018 I received an email confirming that They had received my email. On XX/XX/2018 CashNetUSA automatically withdrawed {$180.00}. I called on the morning of XX/XX/2018 and let them know that the payment was pending and they said that if it went through they would reverse it immediately. I have called 5 times since then and have been lied to about refunding me the money. Ever time I call they apologize and admit their wrong doing but still have not refunded my money. My email clearly stated the revoking of authorization of withdraw from my checking account.
Product: Vehicle loan or lease

Bridgecrest is the company that I have my auto loan through. I recently spoke with them because I was told that if I was on the app I would see what day I would have to worry about my car being repossessed or being in repo status. I noticed a tow truck car driving by my house and decided to call them and I talk to a representative who then told me that I had had 24 failed bill pay payments go through my account since the beginning of the year of XXXX this was shocking to me because I knew that the total was always so high of what the bill and payments did they wanted were and then it never seem to go down a matter how much I Paid, Ive had this car and repossession status several times because they never are straight with what is going on with the account. I was told by this representative that XXXX XXXX bill pay was trying to take out every week or so money to pay on my loan, but I havent had a XXXX XXXX account since XXXX. Theres no way that I will have an account open in order to do a bill pay and when I called XXXX XXXX and ask them about it they had no idea what I was talking about so I asked Bridgecrest if they would refund the fees that come with each of these billpay payments being returned, which is adding up to be now hundreds of dollars And I was told no. I believe Bridgecrest is a predatory loan company I think that they dont want me to do well with this loan they dont want me to pay on time they want to repossess the car again because they know that I will get it out because Ive already done that twice. Ive proven that I have the ability to Pay the extra money that cost to get it repossessed and out of repossession. I think they bank on that and I think they live off those fees that theyre charging me off some bogus XXXX XXXX bill pay that no one can explain to me if you think about it 24 payments through this XXXX XXXX bill pay they charge me a return fee of {$24.00}. Every time thats over {$400.00} that that, I am owing that I should know because I never sent anything up like that. Im hesitant to pay them any money at all because Im not sure where they apply. It seems to only go towards the interest and never towards the principal and I am afraid that its in their best interest to repossess the car, rather than let me pay off the loan, also I was told that someone manually put me into repossession status, which is why I was not able to see it on the app and it came right after my negotiation with another auto dealer who would be willing to pay off my loan from Bridgecrest and instead lend to me for a new car. Its my belief that Bridgecrest would rather get the car and sell it then have me have someone pay off the 10 day payoff quote, which would be thousands of dollars that they would miss out on on these bogus fees.