23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My loans originated with XXXX XXXX then went to Navient then now is serviced by XXXX. For several years I have called and requested explanations. I was encouraged early in the loan to consolidate but never once did they mention that they would be considered private student loans. I have some private and some federal loans. I originally borrowed approximately {$76000.00} I have made approximately {$76000.00} in payments and the amount I owe is {$88000.00}. No one can explain this to me. I am getting ready to retire and I need to figure this out. Again multiple questions to them yet no answers. How can this be legal? 
I believe the loan is still held by Navient but serviced by XXXX. 
Thank you for addressing this. 
XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which is ( XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please remove inaccurate numbers as well as listed below : XXXX. XXXX XXXX. XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

You have 30 days to validate or deletion is required! 

Thank you, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

We had problems from day one they did not disclose the vehicle was wrecked and glued back together there own machanic showed me. i have pictures and the bumper came off the glue did not hold.The XXXX XXXX XXXX has the same complaints, They lied to us stating they would put us in another vehicle re do our contract then re po the vehicle we lost out jobs and house over this. my credit report sucks now we live in a park and never in my life have i ever been XXXX i am embassed to say the least.
Product: Debt collection

I disputed my final XXXX XXXX XXXX ( after XXXX years of service ) when I terminated my account on XX/XX/XXXX because they refused to provide a prorated amount based on date of cancelled service. They continued to bill for the entire month of service XX/XX/XXXX - XX/XX/XXXX, even though my account was cancelled and transferred to another XXXX on XX/XX/XXXX. XXXX turned over the debt to a debt collector XXXX, XXXX in XX/XX/XXXX. I submitted a partial payment for the period of time I had service. This payment was refused because it was not for the entire amount shown. I continued to dispute the debt withXXXX, XXXX and refused to pay. I provided copies of bills showing the billing period and asked them to go back to XXXX and have them provide to me in writing why these charges were valid. XXXX, XXXX notified me stating " the client '' has not changed their position. I then received a new notification from a new debt collector McCarthy, Burgess and Wolff the end of XX/XX/XXXX, starting the debt collection process all over again. I paid the bill in full because I no longer want to be bullied or harassed by XXXX or any company representing them. I submitted a letter to McCarthy, Burgess and Wolff stating the payment was under protest and I provided all back up documentation again, showing the bill in question and when the services were terminated. XXXX XXXX is a bully and their customer service is non existent. I am appalled that they can get away with this type of behavior. I have always paid my bills on time. I feel violated that my only course of action was to pay a debt that I do not owe in order to have this matter settled.
Product: Payday loan, title loan, or personal loan

I signed a contract with XXXX XXXX XXXX for the installation of XXXX Panels. They installed the panels but the City should perform the final inspection before it starts up. 
They City first came for inspection and needed some modifications done, XXXX XXXX XXXX did the modifications then a final inspection was scheduled. City came for inspection but nobody from XXXX XXXX XXXX ( now aquired by XXXX XXXX ) showed up. The City did not approve the XXXX Panels to start. This has been going on for almost a year now. Good Leap is the loaner and I have been paying monthly installements ( {$220.00} ) for 10 months now. I called Good Leap and asked to put a stop on payments until the Panels are approved to work. They said the can't do that because I am paying for the equipments not for the service. I asked for reimbursement as well.
Product: Debt collection

My vehicle was repossessed, and no additional payments or balance increases should have been applied after that. However, my credit report reflects a balance increase from {$7100.00} to {$7200.00}, which is inaccurate and misleading.
Product: Checking or savings account

In regards to CFPB CASE # XXXX. I am yet to receive the check that was mentioned in the letter either by mailed or email. 
I have called the number on the letter, but no one is available to respond.
Product: Student loan

Radius Global Solutions LLC is trying to collect on a loan where the statute of limitations is up. The Creditor is listed as XXXX, formerly known as XXXX XXXX. The statue of limitations on the loan is has expired and I would like to never be contacted about the loan ever again and it removed from any and all systems including XXXX 's system formerly known as XXXX XXXX. I called the Radius Global Solutions and gave them my attorneys information after again informing them the statute of limitations to collect on the loan is up for a second time after receiving a letter from them trying to collect on the loan dated XX/XX/2020 only because the letter was threatening me stating that if I did not notify them within 30 days of receiving the letter they sent they would assume the debt is valid and they would illegally obtain some judgment against me. It is illegal for both XXXX, formerly XXXX XXXX and Radius Global Solutions LLC or anyone else for that matter to collect on a debt for which the statute of limitations has expired and I would like to see some accountability here. Not only has XXXX XXXX threatened to break into my home and steal my college degree if I don't make payments to them, and yes I have recordings of these calls for proof, but they told me to plant a money tree so I can pay them back, like this is some kind of joke to them. I have been sued in a state that I have never even been to and I want to make sure that this doesn't go any further than it already has. If I have to sue them, I have an attorney and am willing to but I'm not sure why they can't just treat people humanly and accept that the statute of limitations if up so I'm not sued again in another state I've never been to. It's not of how these student loan companies treat people. The statute of limitations is up and I need them to recognize it and stop trying to collect on it.
Product: Credit card or prepaid card

I already filed one complaint with the CFPB ( COMPLAINT ID XXXX ) and will be adding this new complaint against the same group ( CITI BANK ) who sent this most recent letter adding more unethical practices and malicious behavior to the former complaint. Additionally, I be taking this to both LOCAL and NATIONAL news channels as CITI BANK has further made unethical and malicious practices against a customer during COVID-19 PANDEMIC who has a perfect payment history with them. Moreover, I am looking into things that I can do with my on staff attorney about any ambiguous clause CITI BANK may think they have where they can ask me to bring forth a payment that is roughly 60x ( YES 60X ) my minimum payment. I have NEVER had a PAST DUE amount with CITI BANK in 10+ years. 

Details : CITI BANK is demanding I make a {$12000.00} MINIMUM PAYMENT which is absolutely not a legal business practice or within my terms for a personal revolving credit line where my current balance is roughly {$18000.00}. My MINIMUM PAYMENT of {$510.00} in XXXX and was not only made in-full ON TIME but I actually paid {$1300.00} which is 3x what was required. 

CITI BANK is making unethical business practices during a STATE OF EMERGENCY and forced a credit line closure thereby withdrawing liquidity from the consumer market. CITI BANK forced debt collections and pre-mature Credit Card debt collections to customers who have 10 years+ of perfect payment history in addition to withdrawing liquidity to the market is absolutely tortuous and almost criminal considering they are being BAILED OUT yet again for not running a clean balance sheet. 

This is all in response to my {$13000.00} payment I placed a hod on when CITI BANK decided to tell me they were going to arbitrarily reduce my credit line once the payment was made. Again, pulling liquidity from the consumer market. I decided to revise my payment and pay {$1000.00} and they closed my account and are now demanding I pay them {$13000.00} as a minimum payment a month later. NOT LEGAL at all. 

They appear to be trying to use the clause in the XX/XX/2020 letter related to " past due '' amounts and new balances ( letter included in this complaint ) however, I was NEVER past due and in-fact overpaid and have always overpaid above minimum payments so their letter is arbitrary and a blatant threat to a customer.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately.i had two late payment on a account that was in fact paid on time.the consumer reporting agencies need to report all information with complete accuracy.this account has not been late on payments.Ive attached a copy of my report to this complaint on the following XXXX dates for XXXX XXXX account XXXX shows a late payment on XX/XX/XXXX. It says 30 days late. Equifax dates for XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It says 60 days late. XXXX dates for XXXX XXXX account XXXX shows a late payment XXXX XXXX says 30 days late. 

The 2nd error on all three credit bureaus reports comparisons is XXXX dates for XXXX XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It states in been late 30 days. XXXX dates for XXXX XXXX XXXX account XXXX shows a late payment XX/XX/XXXX. Its been late for 30 days.Equifax dates for XXXX XXXX XXXXXXXX XXXX account XXXX shows a late payment XX/XX/XXXX. It says 60 days.im now requesting you to investigate the accounts and update these payments to paid on time immediately.thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me .Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, XXXX XXXX XXXX XXXX XXXXXXXX. As a matter of fact, because of the numerous claims of fraud and misconduct perpetrated by these online for profit schools, such as XXXX XXXX XXXX, I was able to file a Borrower Defense claim with the Dept. of Education against XXXX XXXX XXXXXXXX, and my Fed. loans of over {$70000.00} are currently being discharged and my credit currently being repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a post class member. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early 2000 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least 150 for profit online schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Mortgage

Wells Fargo was named in a CFPB Class action settlement and is denying me settlement at this time. My mortgage was affected by the class action lawsuit, and I want to be compensated appropriately.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry was placed on my XXXX Report by XXXX XXXX on XX/XX/19 that I do not recognize. I did not authorize this nor did I sign for this. Please remove. 

Inquiry was placed on my XXXX Report by Barclay Bank of Delaware on XX/XX/19 that I do not recognize. I did not authorize this nor did I sign for this. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft.  A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to Capital One/XXXX XXXX with his information that resulted in an inquiryXX/XX/XXXX; an official dispute of this information was sent certified mail to Capital One/XXXX XXXX XX/XX/XXXX however a review of credit report still lists this information which is a violation of consumer laws and the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 an alleged fraud or extortion. XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$2100.00} ; XXXXXXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed accounts that are reported incorrectly with proof from XXXX that the reporting is incorrect. They repeatedly state verified as accurate. I have also repeatedly complained with the CFPB that they have NOT verified causing me to be denied credit and employment. Equifax needs to be sued! As well as be banned by the FTC!
Product: Credit reporting or other personal consumer reports

I 'am a victim of XXXX XXXX an unfortunate ordeal that has profoundly impacted my life in a dramatic manner. 

As a result of this harrowing experience, I have suffered severe injuries and continue to endure immense pain. It is crucial for my well-being and future prospects that the information pertaining to this traumatic event be blocked from my credit report immediately. I fear that the presence of such sensitive details on my credit history could have far-reaching repercussions and hinder my ability to move forward. 

I implore you to take swift action in addressing this matter and ensure that the necessary steps are taken to safeguard my privacy and protect me from any potential harm that may arise from the unauthorized disclosure of this information. Your cooperation and prompt attention to this request are deeply appreciated.

I kindly request that you provide me with confirmation once the information has been successfully blocked from my credit report. Please be assured that I am committed to providing any additional documentation or information that may be required to facilitate this process.
Product: Credit reporting or other personal consumer reports

This morning, I noticed that incorrect accounts had appeared on my credit report, and I have no idea how they got there. When I reviewed my report as I normally do, I found unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the inaccuracies remained. Because of this, I request that the documents Ive submitted be carefully reviewed so I can have peace of mind.