23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Demand for Inclusion in Navient Settlement and Investigation of Compliance Violations Dear CFPB, I am writing to formally demand inclusion in the current Navient settlement based on their non-compliance with federal laws governing student loans, repayment programs, and accurate credit reporting practices. I am a former borrower with Navient under account number XXXX and am experiencing unjust harm due to Navients actions, including mishandling my repayment options and deleting records of my account to deny any relationship. 
Navient engaged in deceptive practices that significantly impacted my financial well-being : 1. Misrepresentation of Income-Driven Repayment Plans : Navient misled me regarding income-driven repayment ( IDR ) plans, failing to adequately notify me of annual recertification requirements. As a result, I incurred additional interest and penalties, a burden exacerbated by Navient 's failure to provide clear, accessible information on these programs. 
2. Failure to Comply with Credit Reporting Requirements ( XXXX XXXX Compliance ) : Navient has reported inaccurate, negative information to credit bureaus regarding loans I held with the now-defunct XXXX XXXX XXXX . These loans should be removed as they were legally questionable and reflect a failure to uphold federal standards of accuracy in reporting, including compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), which mandates the highest standards of accuracy, timeliness, and completeness in consumer reports. 
XXXX. Deletion of Records and Access : Navient has taken steps to erase my borrowing history, which I believe is an attempt to shield themselves from liability. This act appears to be a violation of laws governing financial record-keeping and is likely intended to prevent accountability under applicable U.S. Code sections, including those covering unfair, deceptive, and abusive acts or practices ( UDAAP ) per 12 U.S.C. 5531 and 5536.

Given these circumstances, I am requesting : Immediate inclusion in the Navient settlement or an investigation into Navients practices as they pertain to my case. 
Full compliance with all XXXX XXXX standards, as my credit report must be corrected to remove erroneous negative entries related to loans from the XXXX XXXX XXXXXXXX. 
A review of Navient 's record-keeping practices in relation to my account, as the deletion of my account information appears to violate data integrity requirements set forth by the CFPB and applicable federal statutes.

In addition, I request that all relevant citations and federal statutes governing these violations be applied to my situation to ensure fair treatment and relief. 
Thank you for your attention to this matter. I look forward to a prompt and comprehensive response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit report of accounts I do not own. I did not authorize any inquiries from these compnies. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Company : XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX Myself and my brother have spoken to the representative XXXX XXXX XXXX and her Manager, I've tried on several occasions to setup a reasonable payment plan with this company and their representatives and they refuse to allow me to setup a plan, First XXXX XXXX stated that I would have to put down {$3000.00} and then start a payment plan and then I spoke to her supervisor ( I can't remember her name ) and she advised that I would have to put down a {$1900.00} deposit then pay {$130.00} a month. This conversation was onXX/XX/18 at approximately XXXX EST. I spoke to XXXX XXXX approximately XXXX on XX/XX/18 attempting to setup a payment plan and she was really rude and told me that she couldn't tell me anything about the loan because it was in default and my brother XXXX XXXX XXXX the co-signer on the loan, XXXX XXXX XXXX me that she spoke to my Sister n ' Law XXXX XXXX XXXX is not on my loan at all, I spoke to my Sister n'Llaw XXXX XXXX and she advised me that XXXX XXXX advised her of my loan information, she stated that XXXX XXXX told her my loan terms, when it went into default, how much I owed, how many payments I was behind and when it went into default. My sister n 'law is not on this load at all and should not have received any of this information from XXXX XXXX XXXX XXXX XXXX While speaking to XXXX XXXX on XX/XX/18 I advised her after she told me that she had spoken to XXXX that she was to not tell her anything about my loan and she stated that I didn't have the authority to tell her who she could and couldn't speak to about the loan, by this time we were arguing and I told her that I just wanted to setup a payment plan and she said that she couldn't tell me anything about the loan and that I had to have my brother contact them to setup a plan. 

I've tried to setup a payment plan with this company and they will not allow me to setup any terms that are reasonable and affordable, plus they violated my privacy by telling a 3rd party that isn't in the loan all my private loan information. 

Please help with this situation. 

Thank you, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I requested a loan of {$100.00} on XX/XX/24. There were 4 installments of {$31.00} with a total payoff of {$120.00}. I made 2 payments and when the 3rd was going to be made I had issues with fraud on my bank account. It was difficult to make payments on my Possible loan through another bank account and they did not make it easy. I paid off the account but hey then reported to the credit bureaus negatively for something I could not control.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion violated the Fair Credit Reporting Act by not conducting a reasonable investigation as required by the Fair Credit Reporting Act. On or about,   XX/XX/XXXX    , I obtained my credit file from  XXXX   XXXX . I noticed that an account from  XXXX   XXXX   XXXX  was still listed on there, however I believe that the opening date for the account listed was incorrect. Also, I believe the date of charge off was incorrect as well. I immediately sent out a letter to TransUnion disputing that this account from  XXXX   XXXX   XXXX  was time-barred and needed to be deleted from my credit file. TransUnion wrote back stating that  XXXX   XXXX   XXXX  verified that the account was totally accurate and will stay on my file. I then sent a second letter once again asking for the account to be reasonably reinvestigated and also for TransUnion to send me my credit file with all information that they used to verify this account from  XXXX   XXXX   XXXX . I then wrote to  XXXX   XXXX   XXXX  and asked them to send me the information that they had regarding this account but they have not done so. If  XXXX   XXXX   XXXX  did not have the information to verify the account with me, how was TransUnion able to verify that this account was accurate? Who did they speak to? and what information did they look at? Upon my further investigation, TransUnion also listed the account with an incorrect past due balance, inaccurate opening date and inaccurate late payments. I recently applied for a credit card which was declined because of TransUnion 's inaccurate information about me.  <P/> The account I am referencing to is :  XXXX   XXXX   XXXX  Acct #  XXXX
Product: Mortgage

When I originally signed my mortgage agreement ( a 30 year fixed rate FHA loan XXXX, I was given an estimated monthly payment of {$1400.00}. Of this amount, about {$820.00} was principal and interest and the rest was escrow XXXX property taxes, insurance, mortgage insurance, etc. ). Both my mortgage agent and the mortgage originator were aware that my property taxes would be adjusted based on the selling price and I was told that the {$1400.00} was an accurate estimate based on all available information at the time of closing. As it turns out, this estimate was very far from being accurate. 

After being in the house for approximately 1 year, I was told that my monthly payment would be going up by {$30.00} per month. I was not happy about this, however, I understand that it is not always possible to accurately estimate expenses so I paid it without complaint. Then about 1 1/2 years after closing ( which was about a month ago ) I received a letter saying my monthly payment would be going from {$1400.00} to {$1700.00} per month, primarily due to higher property taxes. 

This was upsetting for several reasons. First, I can not afford to pay an extra {$240.00} per month for home. Secondly, the property taxes due for 2015 were based on the selling price of my house XXXX not a higher value ) and this was known when my original escrow was calculated. Third, when I called my mortgage service noone ( not even the " operations manager who I waited on hold for 30 minutes to talk to ) could explain how this outrageously higher escrow amount was calculated. All he could say is " Well, it looks like your property taxes went up. '' When I explained that my mortgage company knew they would go up and by how much when my original monthly payment was given to me he had nothing to say. 

To me, this seem like a classic " bait and switch '' tactic by the mortgage agent, the mortgage originator or both. I say this because all of the information needed to give me an accurate estimate of my monthly payment was available when I closed on my home. Instead of providing accurate information, they ( apparently ) estimated my escrow based on property taxes that they knew were lower then those that I would have to pay. I am shocked and want to know if this is legal and XXXX if so ) how it could be so. After all, all other types of installment payments ( that I am aware of ) require an accurate disclosure to the consumer of their monthly payment obligation. After all, if this is not provided how can the consumer determine if the home is affordable or not when they make a 30 year debt obligation. 

Thank you for your time and I look forward to your response.
Product: Debt collection

It shows on my credit report that on XX/XX/2019 a amount of {$180.00} : A amount of {$36.00} ; a Amount of {$36.00} ( twice ) is owed to CHOICERECOV ( Original Creditor : XXXX XXXX XXXX ), .. I have reach out to the creditor multiple times asking them to remove the account out of my name because it doesn't belong to me ... the name that's on the account isn't even my full name.. I disputed it and even went and got a police report due to fraud.. and the creditor ( XXXX  AND XXXX ) is still stating there is nothing that they can do because the account is sold to someone else.. The debt was once removed and now its appearing back on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX  XXXX Balance : {$16000.00} XXXX XXXXXXXX Balance : {$9100.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00}
Product: Payday loan, title loan, personal loan, or advance loan

so i contacted explore credit multiple times and was eventually to get {$100.00} payment for XXXX pay periods jsut to the original payday loan but then they went back on their words and said it was actually XXXX every 2 weeks for a year and i dont have that money nor can i pay in full with the 700 % interest
Product: Debt collection

Noticed a debt collection on my credit report from XX/XX/2020. I disputed the amount and recieved paper work about 45 days later. I didnt have the money to settle/pay debt. I was able to pay debt in XX/XX/2020. I reached out to Convergent Outsourcing to settle debt. They stated they no longer had this account it was transferred to another collection agency. I was able to contact the agency who had my account and the debt was paid and no other action was needed. I reached out to Convergent to request that the collection be removed from my credit report as they no longer had the account. I spoke with several representatives as well as " supervisors '' to rectify the situation. I just wanted something stating that they were going to delete the account from my credit report. I was told varying stories about how they wouldnt give me a letter stating it would be removed, but they requested the deletion to the credit bureaus. I asked if I could have documentation of that and they refused. They said I would have to wait until they reported their monthly progress to the credit bureaus. They were supposed to update on XX/XX/2020 and it has not. I am trying to get a mortgage and can not because of this.
Product: Debt collection

They contacted me after the company I borrowed was paid more than 4 times the amount owed I was contacted by Mid West Fidelity Services stating that I still owe money when a loan in the amount of {$900.00} was paid more than {$2500.00} in payments. The company advised me not to worry about the paper work and that I could pay it off and it was just a formality and that I would not owe the amount and to sign I signed and paid more than 4 times the amount received I was later contacted by Mid West fidelity Services stating that I owed an additional {$1100.00} plus after paying more than {$2500.00} on a XXXX loan. The company is over charging the consumer in bogus fees and needs to be investigated for illegal lending practices XXXX XXXX is charging illegal lending practices and needs to be investigated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. They failed to acknowledge my attached letter request. Their response was invalid because they never bothered to read my letter. That's critical when requests are sent in. I tried dealing with them directly but they continue to blow off consumers and refuse to acknowledge any requests submitted to them. Their fake response doesn't do squat for me or the issues I asked them to address. They should read it! 

XXXX. XXXX account was not closed in XXXX, it was closed sooner than that by me prior to it being charged off. This expiration date needs to be back dated to an accurate date. If it stays on longer I will sue XXXX, XXXX and Experian. 

XXXX. They continue to keep putting old addresses on my report that don't exist anymore. Not sure why but it needs to be removed period!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

This happened in 2014 from XXXX XXXX XXXX in XXXX, CO. I took out a loan of {$220.00} and I submitted a check to pay the loan off and when I did, they recieved it, however they processed the check AFTER my account closed. 4 years later, I am getting certified mail from the company, and then getting threatening phone calls from out of state collectors claiming they are investigators, attorneys and telling me if not paid, then they are going to send a sheriff to issue a warrant for my arrest. 

Along with the original amount, they are attaching huge amounts that don't even make sense that reach up to {$3000.00} They have called me late night, showed up at my residence on a weekday around XXXX Needless to say, this issue concerns me, frightens me and probably ended up in the hospital due to me stressing over this.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation! 
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.

Delete this at once!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters to XXXX XXXX, XXXX, experian and im on my 3rd round with experian. Ive started my disputes as of XX/XX/XXXX and as of XX/XX/XXXX. 

XXXX XXXX XXXX  {$560.00}, XXXX {$1300.00}, XXXX XXXX XXXX {$440.00}, XXXX XXXX XXXX {$8700.00}. 

I have sent proof of verification, validations, I requested for removals, original signed documentation, signed contracts, ect. I have never received anything from original creditors reporting to the 3 bureaus and or any proof. If anything my credit is being damaged more and more affecting my ability to obtain necessary credit by being re reported eveytime i dispute. Experian and XXXX  seems to do more harm and hold credit hostage. Nothing has been provided to me 100 % validation or verified under FCRA. All documents are notarized and have tracking. 

i have sent XXXX XXXX deletion of XXXX XXXX XXXX to the other two bureaus but still have no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past 2 years I have been settling accounts and fixing accounts. Every time I apply for a loan my score shows about 100 point difference from what fico says, I keep disputing things that are settled and the day I apply all my old stuff gets re-recorded as new delinquent. Then my credit gets ran 20 times. I believe an inside influence is being used to cause me to have adverse marks and to prevent me to have credit of reasonable standard. I watch my credit super close I keep getting told my score does not match my file. I need an investigation to determine whom is altering my credit. This is all 3 major credit bureaus and none of them match.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX
Product: Debt collection

I was told conflicting information about being on the income driven repayment plan. When I first started this plan several years ago, I asked if I could still make payments towards my loans even though I had a XXXX dollar per month payment on the income driven repayment plan. I was told I could not make payments towards my loans and that it would affect my status in the income driven repayment plan if I did. Therefore I did not make any extra payments towards my loans, even though I had some ability to do so during this time. Now I owe more on those loans because of interest accrued. I called the lady and last month to ask the same question, can I make payments on my income driven repayment plan Loans even though I have a XXXX dollar per month payment. I was now told that I can make payments on my loans with no consequence to my income driven repayment plan. I wouldve been doing this for years had I known it was a possibility, Which would impact the life and accrued interest of my loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living being. I have rights under 15 USC 1681.

Equifax is govern by USC1681 and they have violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681 because I have the right to privacy and I did not give Equifax written permission to furnish these accounts : Account number XXXX