23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello CFPB, I 'm reaching out in hopes that you can help me resolve my current predicament with my student loan lender. 

I recently submitted an application ( attached to this complaint ) to have my co-signer released from my private student loans and, due to my debt to income ratio, it was subsequently rejected. After I received the rejection, I contact Navient to discuss the rejection reason because I believed it was incorrect or, at the very least, not a comprehensive review of my income. 

Although Navient confirmed I can submit a dispute to have my cosigner release application re-reviewed, they specified that their " procedures requires another credit check to be performed '' on the this disputer which, in my specific scenario, is illogical because I 'm not disputing my credit history, I 'm only disputing the income I disclosed on the application. Additionally, this issue arose from the way in which the application was written - the question of " Gross Annual Salary '' does not clarify whether it was Gross Annual Individual Salary or Gross Annual Household Income ( mine and my wife 's income combined ). 

When I spoke to the Navient Customer Service Rep, they specified that I could have either combined mine and my wife 's income under the " Gross Annual Salary '' section or included her income under the " Additional Income '' section. However, to me, this was not readily apparent when I completed the application because, from everything in the document, the questions appear geared towards the " individual '' rather than the " collective '' ( me and my wife rather than solely me ). 

My hope, by lodging this complaint, is to have my dispute handled without an additional hard credit check, especially since it 's been less than 48 hours since the initial check was performed.
For your reference, below is a timeline of the events : 1 ) Monday, XXXX XXXX, XXXX - I upload my application via Navient 's website 2 ) Monday, XXXX XXXX, XXXX - Navient performs a hard credit check 3 ) Tuesday, XXXX XXXX, XXXX - Navient emails me rejection notificaiton 4 ) Wednesday, XXXX XXXX, XXXX - I contact Navient to obtain information about filing a dispute, I 'm notified ALL disputes require a credit check. I request whether there 's an exception that can be made for me, since I do n't dispute the credit report and only want my application to be re-reviewed with my household income rather than my individual income. 

Should you require any additional information, please feel free to contact me and I would be more than happy to discuss.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Money transfer, virtual currency, or money service

I am a military member of the XXXX XXXX in XXXX XXXX XXXX   abroad. 
To receive my salary, I have a bank account at the XXXX XXXXXXXX XXXX in XXXX, USA. 
The transactions are made between this account in the US and an account, also in my name, in XXXX. 
On XX/XX/2020, I created a transfer from the US to XXXX, worth USD XXXX, which discounted the fees, would be at the date XOF XXXX via TransferWise. 
The confirmation of such transfer is attached, which includes the transfer code, my identification code, the partner bank, the destination bank, the values and the date. 
The planned date of completion of the operation was XXXX XX/XX/2020. 
The allegation is an international policy against dirty money of illicit origin. 
After the problem, TransferWise offers imprecise advice, slow, eluding end avoiding responsibilities. 
On XX/XX/2020, TransferWise sent a message announcing the interruption of XOF transactions, also attached. 
I have not been prompted to submit documentation that attests or supports the suitability and lawfulness of the money involved. This is my monthly salary. 
TransferWise does not direct me and does not offer me subsidies for a lawsuit, such as - documents questioning the reason for the refusal of the money, - date of refusal of the money and name of the partner who refused, - tracking of money, - names of partners, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex wife took out money from usaa after filing for divorce using my identification and military XXXX   papers
Product: Credit reporting or other personal consumer reports

XXXX  veteran, homeless tried to buy a house credit freeze was on, called XXXX on XXXX and was unsuccessful, XXXX compliance requires reasonable accomodation and XXXX opted after one hour and me verifying myself fully for me to have to call back because the representative computer froze. 

I am still without a home and I am now trying to just get an apartment and this account is still frozen and I can not login. I have requested to several times for them to not inconvience and break the law but the employee refused to transfer me to a supervisor. 

I will be seeking legal remedy but in the mean time I do not have the energy, physically or mentally to continue to have to use the little energy I do have for companies that have zero respect for my serivce to this country. 

It is an uphill battle for basic things and it continues to impede my ability to focus on my health without being harassed and/or my disabilities to be ignored. 

I attempted to reset my password after 1 failed login and their system is trying to " FORCE '' me to call them. Why do company think they have the " RIGHT '' to force people while also forcing them to the mental anguish of their unskilled unqualified employees while this is against the law. 
Many laws, rules and regulations were broken, this goes against all their internal policies, employee handbook, laws, rules and regulations. 
I am being discriminated on my fair housing, fair credit, equal opportunity, civil rights act XXXX, privacy act XXXX, XXXX and many more. 

Perhaps if a company can not allow consumers to reset their passwords and other verification methods they should not be allowed to be on the www as this a technical minimum and such a basic task that have been around since the inception of the internet and here I am a XXXX veteran just trying again to buy a home or simply rent an apartment for now for over 5 months. XXXX has impeded my ability to do so many times along with other companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

-XX/XX/XXXX I bought a used XXXX XXXX XXXX from XXXX XXXX in XXXX MI -I made all payments on time via automatic bank withdrawal from my XXXX XXXX XXXX. -XX/XX/XXXX I traded the XXXX in at XXXX XXXX XXXX XXXX XXXX MI -XX/XX/XXXX I received a letter from Nissan Motor Acceptance thanking me for financing and affirming that my " contract obligation has been satisfied. '' XX/XX/XXXX I received a letter from Nissan Motor Acceptance saying I still owed them money. I called the 800 on the bill and spoke with XXXX who threatened me with an even larger bill if I did not pay the one they sent me. I refused and called XXXX XXXX to make sure the loan had been paid off. They assured me it had and that Nissan 's records must be in error. -From that date forward, I kept getting letters as well as threatening phone calls. I have dates and names of those I spoke with. -It has been continuous even though I threatened them with legal action, but they have continued to harass me and now I find that they have also falsely registered this as a current delinquent amount on my credit report EVEN though they have marked it closed and paid. They have harassed me and turned me over to collectors who have harassed me with early morning calls, etc. -I have all necessary documentation to support this, and I want them to cease and I want to sue them for harassment and for damaging my pristine credit history. -This has been ridiculous!!
Product: Credit card or prepaid card

Company closed my account. No Reason given.. However, the account was only a few months old. I believe that this action is actually discriminatory. Fortiva offered the account to open as an additional account to my original Retail account and they specifically marketed to me this account.
Product: Debt collection

I 've been trying to repair my credit and got a notification that there was a collection added to my report. I attempted to contact the number listed but to no avail. I contact the credit card company that it had associated it and they sent a letter saying that they are n't obligated to give any information. 

I then sent a letter to the collection agency LVNV and they are n't responding. I 've also disputed this through XXXX XXXX XXXX on XXXX and they still have n't responded as of yet. 

Please assist.
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. 

The following Accounts have violated my rights : XXXX XXXX XXXX - # XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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: Vehicle loan or lease

I helped my fiancee get a loan for a car with credit acceptance corporation, the payments and loan amounts somehow increased, the term of the loan was extended, as was the payment amount, initially we signed an agreement for a total of XXXX at XXXX per month, however the last statement says XXXX dollars XXXX XXXX for XXXX years, I did not sign anything that says that, I dont understand how they can change the amount without my consent m
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSWORLD SYSTEMS INC was notified of my Chapter XXXX bankruptcy XXXX yet they have still added an account to my credit report an account to which I have no knowledge. I demand they remove this entry immediately from all major credit bureaus. I demand to know what this debt is for. I demand to know how they obtained my social security number. This entry on my credit report has caused me to be denied for a loan and housing.
Product: Credit card or prepaid card

RE : dispute with XXXX Citi Card - XXXX  XXXX  claims an order was delivered but never was delivered. I have repeatedly provided XXXX Citi Card with proof of non delivery to me to no avail. In fact they have gone out of their way to outright lie to me claiming that documentation was never received by them when in fact they have admitted as such. Tracking clearly shows this was delivered to XXXX XXXX FL, I do not live there and have received nothing! Now dealing with executive response unit but this has been going on since XX/XX/2018. What has happened to this company? Its time to leave ... ... ... ... ... ... ... ... ....
Product: Credit reporting or other personal consumer reports

To whom it may concern. 

We contacted XXXX XXXX, they asked to reach out to your office for help. 
We are requesting your assistance to have a negative mark removed from our credit bureaus, which both XXXXXXXX XXXX and XXXXXXXX XXXX  refused to do, even after numerous attempts. In XX/XX/XXXX, my wife and I obtained a mortgage through XXXX XXXX XXXX which eventually was transferred to XXXX XXXX . In between XXXX XXXX XXXX, we lost our business, and my wife XXXX XXXX was diagnosed with XXXX. This was right about when the pandemic started. Also, due to financial burdens and medical bills, we had no choice but to file for bankruptcy. Obviously, once a person files for bankruptcy, all creditors get notified, which of course, XXXX XXXX was. Although the mortgage was never included in the bankruptcy, we were able to negotiate and get approved for a modification program through the bank, and we have all files to prove it. During the bankruptcy, our attorney reached out to XXXXXXXX XXXX, but unfortunately, they never reached back out to him for negotiation. Regardless, we went through the modification, and we were making payments on time without missing any. Since then, we have sold our home and closed on it XX/XX/XXXX of XXXX. XXXXXXXX XXXX was paid in full, and we have a letter directly from XXXXXXXX XXXX, showing that our mortgage was paid, satisfied in full of no liens on the property whatsoever. Unfortunately, we recently found out that it was reported to the bureaus that it was included in the bankruptcy. Weve asked XXXX, and XXXX XXXX numerous times to change the reporting to paid in full, they refused to and treated us very unfairly. Due to that negative mark, we are currently paying a high interest rate on our new mortgage. So, we ask of you to please help us out, try and reach out to them and ask them to possibly change it to paid in full/never late. We would love to be able to refinance for a lower rate. If you have any questions, please dont hesitate to call us at XXXX. 
Thank you, XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Credit Reporting act. the list accounts below have violated my federally protected consumer rights to privacy and confidentiality. Account # XXXX XXXX XXXX open date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX U.S.C 1681section 602A.Section 1 States I have the right to privacy. 15 U.S.C 1681section 604A Section 2 : It also states a consumer reporting agency can not furnished an account without out my written instruction. 15 U.S.C. 1681c ( @ ) ( 5 ) Sections states no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedate more than seven years,
Product: Mortgage

Submitted a first time home buyer application from last XXXX to XXXX XXXX of Bank of America on XXXX XXXX in XXXX Ct. 
She has been giving me the go ahead to find condos in a specific price range, indicative of inexpensive HOA fees. 
I believe I am racially discriminated, they initially intended to forward my application to a XXXX XXXX mortgage personnel because she deals with low income loans. 
Now, I am being punished, every condo I try to close on, she throws it out and I have to inform the seller of my misfortune. 
Just Friday, XX/XX/XXXX, she ran figures with me and distinctly told me to find a condo within a specific price range, today XX/XX/20 found just that and informed her, and she did not speak/ call me all day ... almost end of day, very impersonal, emailed to say the numbers wont work and boldly sent numerous emails stating she misinformed me. She mocks/ disregards me at her leisure. 
Complained numerous occasions to her manager XXXX XXXX, and still no resolution. 
I believe my rights and privileges are violated and disregarded as an XXXX XXXX  female. 
XXXX. Found a condo in an undesirable area, she XXXX XXXX told me to put up beautiful pictures, so I dont have to look outside at the guys that hang out on the corner! ) XXXX XXXX
Product: Debt collection

In XXXX, I was admitted to a XXXX XXXX in XXXX, Florida called XXXX. During this time I was recruited to a school called XXXX XXXX XXXX whose primary role was to help me rehabilitate myself by furthering my education. Upon admission to XXXX i was advise to apply for a student loan, however, because of my XXXX XXXX  i lacked the XXXX XXXX XXXX XXXX XXXX XXXX XXXX   about what the student loan entailed. In addition, I came to later discover that the XXXXXXXX XXXX was not even an accredited learning institution. 


It has been nearly 30 years later after the student loan. In XXXX I was placed on permanent XXXX. Last year, I took a part time job while still on XXXX and filed my XXXX taxes. While waiting for my refund to arrive I received a letter that my wages were garnished by the Department of Education. As a result, I immediately contacted the department to advise them of my XXXX status of which they requested written proof from the Social Security Administration in order to qualify me for disability discharge and return my wages. I forwarded the information to their offices and was notified of their receival of the document. Shortly after, I received a letter from the department that I was denied for Disability Discharge. Can you please assist me regarding this matter????
Product: Credit reporting or other personal consumer reports

My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Again, my personal borrower 's information was shared without my authorization.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full. 
The Dept of Education allowed external stakeholders of some sort, not certain who or what to call them, illegally accessed my student information. XXXX XXXX and his numerous associates or anyone else have rights to my personal information. I discovered this by reports via multiple news outlets, media and online. I never consented to any of that. 
I am writing to formally dispute responsibility for my student loan debt, as XXXX allowed my personal information to be accessed by unauthorized parties without my consent. This breach of privacy has compromised my ability to accurately manage and protect my account. I request that this matter be investigated promptly and that all associated debt be reconsidered under these circumstances. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$160.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
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. 

Account Name : XXXX XXXX Account Number : 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

I had multiaple inquires submitted by a dealership when I only authorized them to run my credit once. This happened twice. The first set is XXXX   XXXX XXXX, XXXX, AND XXXX XXXX DEALER is dated for XX/XX/2019. SOUTEAST XXXX XXXX and XXXX IS DATED FOR XX/XX/2019. I did not approve for them to pull my credit this many times. There was a recent event where a mortgage company did the same, the inquires are from XXXX dating XX/XX/XXXX, XXXX XXXX and XXXX. I would like to dispute these and have them removed from my credit report.
Product: Vehicle loan or lease

I have worked with BMW financial for BMWs for 6 years, never made a late payment. Upon the expiry of my XXXX lease, I returned my vehicle into the XXXX dealership as I moved from the bay area. I returned the car. The person at the XXXX   dealership said the car looks great and I signed an XXXX and that was it. 
Three weeks later XX/XX/XXXX I received a bill for $ XXXX+ stating there was {$XXXX} for excess wear on the after market rims I had placed on the car. I have the four original rims in my garage. Had I been given the opportunity to know what would be charged to me, I would have easily returned these. I received a third party assessment in the mail after I had already received a bill from BMW, stating that I would have the chance to rectify any charges assessed on the condition of the vehicle. I never was. 
I called BMW on the XXXX and they said it was a dealer issue. I called the dealer and they said it was a BMW issue. 
I had BMW offer a {$XXXX} discount off the {$XXXX} amount they requested, but I disputed the entire charge. On XX/XX/XXXX I sent a letter stating the above and got no response and just continued demands for the bill outstanding. 
I am shocked that they would treat a customer this way, with my history of perfect payments with BMW. 
I got no response. No explanation. No offer to take the original as-new rims. Nothing just a $ XXXX invoice.