23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

One year ago I applied for and was approved for Income Based Repayment plan. You can see the approval on my website : XXXX XXXX XXXX has split into Navient, and they began harassing me about making additional payments. I wrote to them many times, sending copies of the IBR approval, but they never responded in writing. It is time to renew my repayment plan but they 're always changing their websites and making then worse, and eliminating any means of sending them communication by e-mail. I have tried to complete the renewal process online but they make it either very difficult or impossible. Really since it became Navient, it became a nightmare! I want to repay my student loans, and now I have a good job, but dealing with Navient is extremely unpleasant and they do n't respond to my written letters, which I sent with a confirmation of mailing. Now it is somehow become impossible for me to submit my Income Based Renewal, their website just says " Your identity is not yet confirmed by the Social Security Administration ( SSA ). To complete processes on XXXX requires SSA identity confirmation. '' It is just another instance of a consumer credit organization that has become unhinged and begun trampling upon the rights of those whom they were designed to serve. I spent several years XXXX here in the USA, but after enjoying this success, I felt the need to give back, so I moved to the XXXX, where I XXXX for 5 years. This culminated in my XXXX there. Upon my return to the USA, I experienced a period of low income. You can understand how I was hard pressed to make student loan payments during these periods, and I was able to get Income Based Repayment plans during those times, right up to the present. Now I have a good job and I have been trying to get Navient to update my Income Based Repayment Plan but they just will not respond to my written letters. I finally went online, although I find it extremely distasteful to do so, and still it is like trying to deal with XXXX XXXX, Although I now have a good income, I am living in XXXX, where I pay {$2800.00} a month for housing. This is in fact the average cost of housing in this area at this time. So I will still need to use an Income Based Repayment plan for a while. I will get XXXX raises next calendar year, due to successful union negotiations and my completing required certifications in automated train control systems, so the future will bring increased ability to make repayments on my student loans. It appears that none of this is of any interest to Navient. They just want to dictate terms in violation of my rights under the IBR approval they granted me last year ( see XXXX ). Please help me to deal with the 'Navient Monster '. I have tried in good faith to get them to communicate with me in writing by US mail at this address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX without any success. I need to get assistance with this out-of-control organization. Thank you for your time. 
yours in prayer - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I hope you are having a excellent day. Recently I have filed a dispute with the credit reporting agencies because of inaccurate information reported on my credit, which is hindering me of getting more credit. To this day I have not received any updates from them regarding the investigation that is suppose to take place. I have sent out the necessary letters and also gave them the necessary time frame to dispute all inaccuracies and reach back out to me but alas they have not reached back out to me. I also filed a 30 day demand letter in order for them to update me on the investigation but also I have not heard from them. This is very important for me because as stated earlier I can not receive any high end credit because of the inaccurate information the credit bureaus reported on my credit. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ACCESSED XXXX ACCOUNT See attatched Experian letter XX/XX/XXXX Requesting VERIFCATION WITH ORIGINAL SIGNATURE OR DELETED IMMEDIATELY TO NO AVAIL.see attatched proof of delivery XXXX Thurs XX/XX/XXXX. See attatched Experian Credit Reports XX/XX/XXXX. ( Opened. XXXX XX/XX/XXXX ) Report Confirms XXXX Account XXXX Kindly Note the Grey Background Hiding Account Numbers & XX/XX/XXXX ( opened. XXXX XX/XX/XXXX ) Credit Report Confirms XXXX Account XXXX Kindly Note Grey Background we can Barely See Account Numbers. I believe this is done BECAUSE THE ACCOUNT NUMBERS CHANGE??? XXXX & ExperianTtogether Create this Fraud. I AM REPORTING WHAT I BELIEVE TO BE A CRIME. THIS IS NOT FAIR CREDIT These two Companies Collaborate Together Against Cinsumers. This is no error. Next see attatched XXXX DOCUMENTATION CONFIRMING NUMEROUS DIFFERENT ACCOUNT NUMBERS ending 1 ) XXXX 2 ) XXXX 3 ) XXXX XXXX ) XXXX all previously sent to Experian. I DEMAND EXPERIAN PROVIDE DRS LICENSES FOR EACH ACCOUNT AND SIGNATURE AUTHORIZING VERIFICATION I OPENED OR DELETE IMMEDIATELY. Experian & XXXX have ruiened my credit for years. Experian covers up for XXXX Clearly Experian would have noticed the two accounts changing.
Product: Checking or savings account

XX/XX/2023 : I was a victim of a XXXX scam. The scammer posed as one of my friends from high school and created a XXXX XXXX. The XXXX posted stated that he received a promotion and therefore is selling furniture and other items. I inquired about an item that was for sale and we agreed Id purchase these items for a deposit of {$350.00}. I sent the {$350.00} through Zelle on my XXXX XXXX XXXXXXXX XXXX app to who I believed was my friends wife. Shortly after sending that money I read comments from mutual friends under the original post and realized I was a victim of a scam. I felt used and so sick to my stomach. I was taken advantage of. I immediately called my bank to report the incident and take the next steps to get my money back. I also did my best to protect others from this scammer by reporting the zelle recipients email.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN RESPONSE TO CFPB:XXXX XXXX XXXX  AKA XXXX XXXX DOES NOT BELONG TO ME. I HAVE PROVIDED ENOUGH PROOF TO SHOW THAT THIS ACCOUNT IS NOT MY ACCOUNT I DIDNT GIVE ANY ONE PERMISSION TO OPEN THIS ACCOUNT IN MY NAME. HOWEVER I WAS PREVIOUSLY A VICTIM ODF IDENTITY THEFT AND AM STILL HAVING THE ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to your letter, it states that Carmax didn't receive my payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX, until XX/XX/XXXX. How could you have missed those three payment that are clearly shown directly in the middle of the page that reads XX/XX/XXXX payment {$310.00}, XX/XX/XXXXpayment {$310.00}. And XX/XX/XXXX payment {$310.00}. How can Carmax reverse payments they so-called never recieved? Obviously XXXX XXXX XXXX has fraudulent record keeping. Furthermore I sent all three payments again in a lump sum of {$1300.00}, that was three payments and the sum of {$470.00} for the tow fee by the repossession company. I also believe Carmax is trying to fraudulently add late fees to my account, my payments are due on th XXXX of the month and I always pay on the XXXX and yet Carmax still applies late fees for ON TIME PAYMENTS. I will be seeking {$5000.00} for each occurrence in a court venue to me with factual proof that my complaint does have merit, and I'm owed {$20000.00} in restitution.
Product: Credit reporting or other personal consumer reports

Progress card I had all the balance of {$130.00} that I paid months ago. I keep telling them that I paid it off. I showed them in my bank statement that I paid it off to their third-party company and they wont Update my Credit file that I paid off my debt is still show balance not paid and I paid it off. I have proof that I paid it off with my bank statement months ago. I feel that this is being done to me because I am a XXXX XXXX every time I bring my credit up theres something to make my credit go back down. I have been trying to fix my credit so I can buy property and these people is not, reporting the right information on my credit report I would like my credit report, update and accurate information
Product: Student loan

On XX/XX/XXXX I received notice of a Mohela forbearance where I could then make a request for a refund of payments made between XX/XX/XXXX and XX/XX/XXXX which I did in writing on XX/XX/XXXX ( unfortunately my request was on the old servicing platform that I can not access ). I was told I would receive my {$300.00} payment from XX/XX/XXXX and {$3000.00} from XX/XX/XXXX. I received a check mailed on XX/XX/XXXX for {$2600.00} ( assuming this is the {$3000.00} minus the {$300.00} auto pay ( times two ) from XXXX and XXXX ). I cashed the check and immediately had a stop check and {$15.00} fee from my bank. I have called Mohela countless times thereafter to remedy this, I was told that because the refund was processed and placed my account into delinquency, that the check was forfeit/stopped. But I was never notified of this prior to or after receiving the check, thereby losing the check for {$2600.00} AND {$15.00}. I was even placed in a general forbearance in XXXX to remedy this situation, I was told that a ticket was sent to accounting/management on XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX via phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below has violated my federally protected consumer rights to privacy : 1. XXXX ACCOUNT # XXXX 2. XXXX XXXXXXXX XXXX  # XXXX ACCOUNT # XXXX 3.XXXX XXXX XXXX ACCOUNT # XXXXX 4. XXXX ACCOUNT # XXXX 5. XXXX XXXX ACCOUNT # XXXX 6. XXXX XXXX ACCOUNT # XXXX 7.XXXX XXXX XXXX  ACCOUNT # XXXX 8. XXXX XXXX XXXX ACCOUNT # XXXX 15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C. 1681 SECTION 602A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

CLEARLY I DID NOT GIVE ANY WRITTEN INSTRUCTIONS TO THE CREDIT REPORTING AGENCY THEREFORE THEY ARE IN VIOLATION OF MY FRDERALLY PROTECTED RIGHTS.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested removal of the charge off account currently reporting on my credit report. In response, I was told they were unable to locate the credit file for me which raises more concerns. Under the Fair Credit Reporting Act ( FCRA ) is to accurately report and maintain information on consumers ' credit files. The inability to locate my credit file does not absolve your responsibility to respond to my dispute properly and verify or remove inaccurate information. I submitted all required personal identifying information, including [ list any information you provided : full name, address, Social Security number, etc. Because Equifax can not locate my credit file, the charge-off in question can not be properly validated and should therefore be removed from any records or reports tied to my identity.
Product: Debt collection

XXXX negotiated the debt with XXXX XXXX XXXX and paid it off in XXXX of 2022. I get several calls a week from a company called XXXX telling me that they are calling because I owe XXXX XXXX XXXX which I do not. The settlement was for {$2500.00} and I have emails from XXXX telling me that my debts have been paid in full on XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX you furnished alleged transaction on my TransUnion Credit Report that you identified as late in this account ( XXXX XXXX XXXX ) : ( Account Number : XXXX ) 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( 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 for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : XXXX ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. 

A creditor can not treat a payment as late without complying with this section of the law. I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know your not. 

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or Delete and Remove the transaction you have listed as late on the account below : ( XXXX XXXX XXXX ) : ( Account Number : XXXX )
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX Acct # XXXX has violated my rights XXXX XXXX  XXXX # XXXX has violated my rights XXXX XXXX  Acct # XXXX has violated my rights XXXX XXXX XXXX Acct XXXX XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX XXXX  Acct # XXXX has violated my rights XXXX XXXX acct # XXXX has violated my rights XXXX acct # XXXX has violated my rights XXXX XXXX Acct # XXXX has violated my rights XXXX  XXXX Acct # XXXX has violated my rights XXXX XXXX XXXXXXXX XXXX Acct # XXXX has violated my rights XXXX XXXX Acct # 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 an accoun

t without my written instructions. 15 U.S.C. 1681 ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information other than records of convictions of crimes which antedates the report by more 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: Debt collection

On Tuesday XX/XX/2018 I was sitting at my desk at work. I received a call on my cell phone at XXXX, no message left. Then my work line received a phone call. I picked it up an hung it up because, I advised Pacific Union Financial the only number to contact me is XXXX and my work line is a recorded line. He then in turned called back again. I work in a call center, I can't pick up the phone. While I understand that I am behind. I find this harassing. I had to place my caller on hold. I picked up the phone and advised him that he isn't authorized to call this number and hung up, because I was at work. He then called my cell number again and left a message. I understand that I owe a debt and I am behind. but this behavior is excessive and harassing. I reached out at lunch time to contact the mortgage company and advised them that I was filing a complaint with the CFPB. The representative that contacted me was XXXX,
Product: Debt collection

I called and they stated it is for a utility bill I never authorized. They refuse to prove that the debt is valid
Product: Mortgage

As of XXXX I called to verify what information is needed. I was told they bank account number clarification which was told to my relationship manager on XXXX. I stated that the account number ending in XXXX was the same account ending in XXXX which reflect on multiple documents sent several times. As of today I received another electronic letter asking for more banks statements which have I provided. The letter is not specific to which additional account history they are needing and I am the only consumer they should be concerned with. I feel they are being too invasive and not acting on a loan modification workout plan. My consumer rights are being severely impacted, they are asking for other peoples personal information ( not on the loan ) that I can't provide. I am entitled to a loan modification review and they keep stalling in redundancies. My renters have no banks statements no bank account information I can share. I uploaded and emailed my stock account and explained I am doing credit card advances/borrowing money to make ends meet until a solution arises. I told them my hours wages vs debt owed to include utilities, cost of living etc. Which also reflect on the shared branching institution deposits. On XXXX XXXX I received a call XXXX who received the CFPB complaint and she said they have until XXXX to finalize a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following inquiries. I did not consent to, authorize, nor benefit from any of the following Chapter XXXX Bankruptcy. The court does not report Bankruptcies. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose.I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX ) ( Chapter XXXX Bankruptcy Date Opened : XX/XX/XXXX ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$9800.00} ) ( OFFICE OF THE ATTY GEN Date Opened : XX/XX/XXXX Amount : {$10000.00} ) ( XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED : XX/XX/XXXX, DEPT OF ED : XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX XXXX XXXX ; the card was paid off and kept a XXXX balance. And set up for autopay. There was a charge without my knowledge that was paid off immediately after my learning. 

I received a notification of a late payment on my account, and I called the bank. They immediately corrected the payment status and gave me credit back for the late fee. 

Now, I could not take the 30 days late mark from my credit bureau, every time I call XXXX  XXXX XXXX they transfer me to the credit service desk once I explain everything to Credit Card Services, they transfer back to me Custome Services. I am in a loop.
Product: Mortgage

we are trying to perform a short sale with Wells Fargo. There have been XXXX offers on my home, yet Wells Fargo has not even reviewed them yet, after two weeks, because they ca n't seem to get this open to do a short sale.
Product: Checking or savings account

I was a Suntrust customer since the merger of the XXXX banks i haven't been able to register for online access I have went to the bank around a year ago it was supposed to be taken care of Now I'm getting weaker due to complications of my health declining from XXXX im unable to leave my house I have call no help or long holds
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights significant issues with the platform.

Despite using Zelle numerous times and reporting discrepancies, both my financial institution and Zelle have failed to adequately investigate my claims. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. 

The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. I urge you to review my case and take the necessary steps to ensure proper investigation and resolution of my claims. 

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

XXXX XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX XXXX XXXX XXXX   XXXX TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX SYNCB/ XXXX  TANGIBLE PROOF NEEDED ASAP XX/XX/XXXX TO WHOM IT MAY CONCERN, This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named federal law. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( Equifax, Experian or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for at least the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, then by law all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

I would also like to request, in writing, that no further telephone contact be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Regards,