23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is a followup to my complaint against Navient filed on XX/XX/XXXX in regards to late payments on my student loan accounts. The previous case number is [ Case number : XXXX ]. Upon speaking with them on both yesterday & today, their response was that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how the lender is to handle a situation when subsequent information updates a report that was allegedly accurate in the present time ( i.e., the identical situation I am currently in. ) https : XXXX The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct. '' Navient representatives told me that because the delinquent payments were accurately reported in XXXX of XXXX to XXXX XXXX that any subsequently initiated deferments or forbearances would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in forbearances. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. * All of my Navient accounts that were part of the XXXX XXXX to XXXX XXXX late payments show forbearance status effective as of " XXXX XXXX. '' Also, I was on an unemployed deferment up until XXXX XXXX. Therefore, my credit reports do not currently accurately reflect previous payment statuses with Navient, both as they actually existed and as Navient has recorded them. I am thus requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the XXXX accounts showing a total of XXXX 90-180 day late payments from XXXX XXXX to XXXX XXXX be updated and/or corrected and removed.
Product: Credit card

I was involved in an elaborate scam facilitated by a self-professed XXXX customer service representative XXXX XXXX, whose XXXX number was published on XXXX XXXX search results. 
This scam, misrepresented as a necessary process to lock down credit cards that were considered vulnerable due to what they believed as a worm attached to my computer. These transactions would all be reversed but would trigger a lock on these card as a result of the recipients contact names and transfer amounts. 

All other financial institutions credited me for the transactions that involved their organizations : XXXX XXXX, XXXX, XXXX, XXXX  XXXX XXXX among them. ( All settled within 48 hours ) The only hold out was XXXX XXXX who assured me they would make their Fraud Claim report and their actin to cancel one of their transactions to Goldman Sachs Apple Card. XXXX separate submissions of a claim each taking XXXX  months to research were all rejected as a result of being a completed transaction made by the merchant, XXXX XXXX dispute repeated assurances with every submission this would be settled as a scam and not my responsibility to pay myself. 

Know that it is clear Goldman Sach is severing ties with Apple Card in XXXX, its clear to me that this is process is an attempt to run out the clock and leave me holding me ultimately responsible.
Product: Debt collection

Portfolio Recovery Associates filed a Summons And Complaint against me. The complaint stated I owed them {$670.00}. The case number is XXXX in the XXXX Judicial Circuit Court located in XXXX, MI. 
During pretrial the lawyer representing the law firm attempted to use computer generated statements and I stated they were hearsay. The lawyer then produced an affidavit.I can not remember the Affiant 's name. I asked the plaintiff ( PRA ) if I could question the affiant and also requested the original assignment agreement between the original creditor and PRA. 
The judge allowed it and set a trial dated. Shortly thereafter I received a dismissal filed by PRA. 
My complaint is this. They dismissed the case because I believe they did not have the legal right to sue for the full amount. Which is why I asked for the ORIGINAL assignment agreement. This agreement typically says how much the assignee can sue for. Never the full amount. PRA is still reporting this on my credit reports. I believe this a violation of The Fair Credit Reporting Act. 
I also believe their Affidavit process needs be investigated. In 2010 they had an employee signing a deceased woman 's name ( XXXX XXXX ) and had been for over 15 years.When the person who signed the affidavit was questioned. She stated that they signed so many affidavits she didn't think anyone would notice
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX In accordance with the fair credit act XXXX  XXXX XXXX XXXX, has violated my rights. 

15. U.S.C 1681 section 602 A states I have a right to privacy 15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without instructions 15 U.S.C 1681c ( A ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report 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 to be inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage from XXXX XXXX was sold to XXXX XXXX XXXX, XXXX XXXX had erroneously sent negative reports to credit bureaus on many consumer accounts. I spoke with XXXX XXXX several times who only said they were aware and working on it. I also disputed the negative reporting with credit bureaus. XXXX deleted the entire account so now I show no past positive payment with any real estate and my score decreased dramatically, Equifax now shows account as closed and no real estate balance. XXXX XXXX has not been reporting my current timely payment either. XXXX XXXX error has decreased my credit score significantly and impacted my reputation, credit worthiness and financial abilities. My reports should reflect my past timely payments ( before XXXX XXXX ) and years as well as my current timely obligations. XXXX XXXX XXXX is in violation of the FCRA by not reporting fair and accurate information for their entire consumer base as well as improper deletion entirely of an account they acquired..
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2015 XXXX XXXX XXXX  XXXX XXXX Balance : {$14000.00} XXXX  XXXX Balance : {$52000.00}
Product: Debt collection

The original creditor BMG Money sold my account to XXXX XXXX XXXX who in turn turned my account over to a law firm to sue me called XXXXXXXX XXXX XXXXXXXX. I have communicated with them to lower the debt or settle it but neither company can give me an accurate amount owed. The representative for both companies that I spoke with confirmed that there is a discrepancy in the amount owed and proceeded to tell me that they didn't know the correct amount. Keep in mind this conversation is on a recorded line for security purposes. They can't accurately verify the amount of the debt and I have had this account since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CEASE CREDIT REPORTING I CHOOSE NOT TO MAINTAIN A CREDIT FILE UNDER  F.C.R.A. 15 USC 1681a ( g ).
Product: Checking or savings account

I had fraud way back and the bank is giving me a hard time using debiting my account and well as wiring funds its has caused me lot of embarrassment in. public and most of all cost me a lot of business deals I travel. a lot out of the country and I want all my accounts closed with bank of america as they are known for this kin d of abuse as well as treatment. especially since I have over XXXX XXXX run there bank they are rude crude on the phone and in person they are mad that they have good client that leaves big balances on deposit with them but make it hard someone with my status should get royal treatment and have good business banking relationship with personal banker but not with B of A I am being penalized for having to much in the bank I have emailed them as well as faxed them 9 times been to bank as well as had my power of attorney go to the bank there no fraud on the account what so ever they are mad that they paid me on some disputes I had not used the bank account for some time and now they are causing me more problems especially the fraud Department one day they clear it the next day its frozen one day it works one day I am told to come to a branch sit with manager call the fraud dept I answer all questions every time with flying colors still am penalized my time is valuable especially since I make {$6200.00} dollars a hours times 40 hours a week times 20 days a month thats about a million a month I make for this aggravation please help me asap I do not want to talk to them more do I want to ever step foot in bank of America period just cut me check send it to my address or wire it out to my other bank PLEASE FEEL FREE TO CONTACT ME WITH ANY QUESTIONS XXXX XXXX XXXX XXXX XXXX XXXX USERNAME XXXX password XXXX my accounts been locked up for 4 months XXXX XXXX XXXX XXXX XXXX XXXX I have over a million in each account plus I have a cd for XXXX XXXX I want a check mailed to my address on file asap and my accounts closed its been a bunch of XXXX and its costing me everything I am also filling a law suit as well.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX
Product: Vehicle loan or lease

My husband and I bank with XXXX, but our car loan was with Wells Fargo. We decided to pay off our car loan but werent sure how to go about it. We contacted Wells Fargo first but were told we could not pay $ XXXX by phone and that we would first need to increase our credit limit and visit a WF branch in person to make a payment abs we could use a debit card to do so. Next, we called XXXX and explained that we wanted to make a $ XXXX pmt on our WF loan and asked what we needed to do. Their only helpful suggestion was to increase our credit limit for the day. My husband then went into the WF branch to make the pmt. His banker was a young girl ( XXXX XXXX on receipt ) who seemed new and didnt know how to process his large pmt. My husband offered to go to XXXX to get a cashiers check and speed up/simplify the process. The banker said she would get her manager to help her. The manager then did over rides and told my husband, let me try this after asking for his debit card. A day or two later, we noticed a non ATM fee of almost {$900.00} charged to our account. Not once were we ever advised of the possibility of a bank fee if we allowed our debit card to be used to process our $ XXXX pmt. We opened complaints with both WF and XXXX executive depts. WF stated the bankers who assisted my husband claimed to have informed him they were processing a cash advance and advised him of possible fees-this is a complete lie. The signature line of his receipt is blank. Nothing was explained, she did over rides on everything and nothing was explained. I followed up with XXXX from the executive dept on XX/XX/22, to ask for a resolution. XXXX informed me that a notice was sent via mail and the manager denied any misinformation. XXXX went on to say that if he was in my position, he would have done more research before making the payment because there was no need to make a $ XXXX payment right away. I am absolutely blown away by the lack of tact, professionalism and compassion. We do not have to disclose our family dynamics nor finances to XXXX. We simply need our money back and for Wells Fargo to chose to assist their customers, rather than protect employees who have made grave mistakes and caused us to lose our mortgage payment because of fees. 

As for XXXX, they said despite failing to disclose or inform us of fees by phone-their bank fee schedule is available online so that protects them from needing to assume responsibility for failing to disclose a fee to us. Please help. We need our {$900.00} back. That was our mortgage payment for XXXX. 

Please see attached receipts which have a blank signature line.
Product: Student loan

I have a XXXX XXXX loan with ACS Education. I have made all my payments online and on time, always on the 1st of the month, for almost 8 years now. This month, when attempting to pay my monthly bill, I have not been able to access my account. Each time I sign-in with what I have verified multiple times as the correct login information, I 'm told the service is temporarily unavailable. I have sent multiple emails to customer service both through the website and directly from my personal email account detailing the problem and attaching screenshots showing the issue. I have also attempted to contact customer service via phone, but the system will not let you talk to anyone until it recognizes your SSN and DOB. Despite repeatedly entering these accurately, the system claimed it did not recognize either so I 'm unable to reach anyone to resolve the issue. Further complicating this is that I do not have an account number to include on a check to mail to ensure my payment is processed correctly because ACS uses my SSN as an account number - and I think it is really dangerous to include this on a check.

I have received no response or from ACS, only acknowledgments that my email has been received and that I will receive a response in 48 hours. This has not happened, and I have been having the same problem for four days now, putting me in danger of submitting a late payment! This is clearly a way for ACS to force late fees or other issuers on its borrowers, with little or no borrower ability to contest! Please contact someone at ACS to make sure they know this is happening and ensure that borrowers are not being unfairly penalized for the servicer 's incompetence. A quick XXXX  search on the web will show you that ACS has in the past caused similar problems for other borrowers and this is really hurtful - particularly for those of us who do everything we can to make our payments responsibly. I thank you for your time and please feel free to contact me directly if you would like further details.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
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 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
Product: Debt collection

The Company Is continuing to report the debt to my credit report after the debt was paid and they agreed to remove it from the report.
Product: Debt collection

Synchrony bank, has placed late fees on every month even if I pay a day before. Their excuse is that they need the payment 5 days before is due. That is not what the contract says. Now they are trying to collect money on an account and won't send me proof of the account. They are affecting my credit and won't provide validation.
Product: Debt collection

Debt collector calling me several times a day from several different numbers after I've blocked them. They've called my daughter which I have no idea how they got her number. This is XXXX XXXX XXXX. The call comes across as " SCAM LIKELY. " : The caller states her name is XXXX XXXX. I've advised that my debt to XXXX XXXX XXXX was paid back in XX/XX/2017 and I have a pay off letter. She has threatened felonys and garnishment telling me they have my wage information. 

She is calling from.XXXX/XXXX/XXXX. 

States correspondence has been sent via mail which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me losing my job in XXXX, my vehicle was repossessed by NMAC. My personal belongings were kept & even though, I tried to get my personal belongings back I was unsuccessful. To my understanding the vehicle was sold & then I started getting letters from XXXX XXXX XXXX Offering me a settlement. I agreed & paid the settlement in XX/XX/XXXX under the terms that NMAC would delete the negative remark from my record ( verbal agreement ). Upon checking my credit report NMAC has not deleted the item from my credit reports. 
NMAC only updated my credit reports to settled for a lesser amount. I have been disputing with the bureaus & NMAC to delete the information from my credit report. Now every time I do a dispute NMAC add remarks to my credit report ( so in other words NMAC goes in & out of my credit report adding remarks ). Can they do that? Now the vehicle was repossessed around XX/XX/XXXX & when I look at my credit report its still being reported as L ( which stands for charge off ) for the years of XXXX, XXXX & XXXX. I thought that after it was charged off in XXXX NMAC were supposed to stop reporting. Why is NMAC still reporting years later?? 

I wrote NMAC in XXXX & XXXX & my cries to get NMAC deleted from my credit report has fallen on deaf ears. I called NMAC & complained & was asked did you get it in writing that NMAC would delete the negative remark from the credit bureaus, I said no, I didn't know I needed to get it in writing. I was appalled, because the customer service representative said we can't delete anything. Irregardless of what NMAC is saying & doing they reneged on our verbal agreement & kept my personal belongings that were in my vehicle. I specifically requested that NMAC be deleted from all 3 credit bureaus so that nothing negative would be reported on my credit report!!!
Product: Checking or savings account

Hello, my name is XXXX XXXX I were banking online with XXXX XXXX and Chime bank and on the XXXX of XXXX my funds were moved or stolen out of that account without my authorization and on XX/XX/XXXX the chime bank account was hit with funds being removed without my authorization they stole funds from my XXXX account on XX/XX/XXXX and they stole funds from chime bank on the XXXX in total of {$2300.00} and I have been in a XXXX  state over this, because that's the only income I receive monthly from SSI benefits. I have been without my pay because of the unsafety of my account through those banks which they assured me that my accounts were safe. Please I just need them to refund me my money back I have contacted them several times and put in disputes I also went to my local police department to file a report on the transactions. These people were or in XXXX Florida, but I am a resident of XXXXi. I just need for them to refund my money back so that I can pay my rent and utilities. Thank you
Product: Debt collection

Ultimately, my debt is invalid or inaccurate, and I have the right to have it removed from my credit report.
Product: Debt collection

I recieved a letter from XXXX XXXX dated XXXX XXXX 2015 stating that they 're informing me that they have cancelled the following account from their active collections files and are removing the account from their credit file if it was listed. Client name XXXX XXXX, Account # XXXX, date of service XXXX, balaance {$2000.00}. Signed from their collections department. I kept this letter in my personal records until last week when i tried to get electric services in my name at my place of residence and i had a outstsnding balance for {$2000.00} XXXX referred me to indentity theft.gov which they referred me to consumer finance.gov. when i called online collections they told me they had no record of this on file at all but i clearly have sletter from them stating this information!!!!!! # #
Product: Mortgage

money taken from from escrow on XX/XX/XXXX and received a threatening email from XXXX XXXX stating they didnt receive payment and my homeowners insurance would be canceled in XX/XX/XXXX. i am leaving the XXXX in XXXX weeks and am unable to resolve this in a timely manner. WE WARE STUCK BETWEEN TWO INPERSONAL COMPANIES THAT HAVE NO RESPECT FOR PEOPLES LIVES OR TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and the following accounts are all fraudulent and not my accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX   XXXX XXXX. I been receiving harassing and threatening phone calls of profane and abusive language, threats of legal action, wage garnishment, jail, prison, violence and death from representatives from the above creditors. This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State law. The fraudulent accounts are not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. XXXX XXXX XXXX XX/XX/XXXX {$660.00}, XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$990.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$390.00}, XXXX XXXX XX/XX/XXXX {$4000.00} XXXX XXXX XXXX XX/XX/XXXX {$1100.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$940.00}, XXXX XXXX XX/XX/XXXX {$2500.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat your payment on a credit card account under an open end consumer credit plan as late for 286 purpose.