23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for-profit schools such as the one I attended, The Illinois XXXX XXXX XXXX XXXX XXXX XXXX 

I have been making payments on my Navient loans ( acquired by Sallie Mae ) since XXXX and still owe {$6800.00} at XXXX % interest, a rate which has steadily increased from XXXX XXXX. I have been paying on this predatory loan since XXXX. I paid 2x more interest in XXXX than in XXXX. Why has my interest rate tripled as I tried to pay off my debt? 

The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the Biden administration has just announced a blanket federal loan discharge for anyone enrolled at The XXXX XXXX from XX/XX/XXXX, to XX/XX/XXXX. I am exempt from this discharge, as I paid off my Federal Loans first.

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 XXXX 's. 

These private loans with a high risk of default were part of a package deal offered to " for-profit 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 the borrowers scammed into taking loans to at least XXXX for-profit schools. 

After the XXXX 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 t

o 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? 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. I am unable to gai
n access to the applicati

on even though this 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 for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend for-profit colleges who have committed misconduct and misrepresented themselves to the public to entice stude
nts to enroll. 

Senator 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: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to put credit freezes on these credit agencies reporting my non public personal information without the consent of the consumer controlling his principle. I did not give these credit agencies my consent in no way shape or form to traffic and communicate any information pertaining to my principle. This is aggravated identity theft these companies are getting unjust enrichment while the consumer does not benefit from the use of his own non public personal credit information. These financial institutions did not allow the consumer to remove his non public personal information in which the consumer never gave consent to. The consumer has the right to his non public personal information kept private and these credit agencies violated my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting or other personal consumer reports

I thoroughly reviewed again my credit report and I can still see the unverified and fraudulent items that need reporting and correction through your company. The List of items below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Dear Sir/Madam, I am writing to file a complaint against Midland Credit Management for violating several consumer protection laws, including 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR1006.34 ( c ) ( 4 ) ( I ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). I am requesting that the collection agency be removed from my credit report due to these violations.

According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is prohibited from making false or misleading representations about the character, amount, or legal status of any debt. However, Midland Credit Management has repeatedly misrepresented the amount of the debt owed, leading to inaccurate information being reported on my credit report.

Furthermore, 12 CFR1006.34 ( c ) ( 4 ) ( I ) states that a debt collector must provide the consumer with a written notice containing certain information about the debt within five days of the initial communication. Midland Credit Management failed to provide this written notice, thereby violating this provision.

Additionally, 12 CFR 1006.34 ( d ) requires debt collectors to provide accurate information to credit reporting agencies. However, Midland Credit Management has consistently reported inaccurate information about the debt to the credit reporting agencies, resulting in a negative impact on my credit score.

Moreover, 15 USC 1681-S2 ( 7 ) ( A ) prohibits the reporting of inaccurate information to credit reporting agencies. Midland Credit Management has violated this provision by reporting inaccurate information about the debt, which has adversely affected my credit report.

I demand that Midland Credit Management be removed from my credit report immediately due to these violations of consumer protection laws. I also request that the collection agency cease all further collection activities and refrain from reporting any further inaccurate information to credit reporting agencies.

I appreciate your prompt attention to this matter and look forward to a resolution in a timely manner. Thank you for your assistance in addressing this issue. 

Showing on XXXX, XXXX, and XXXX
Product: Money transfer, virtual currency, or money service

multiple of my payments were not authorized by me, ive tried multiple time to Get answers & they kicked me out of the whole app, they made me not able to too send or request money, other people were using my cashapp doordash purchases & more i no longer can access cashapp nor due to how much i complain about things weird happening with that account of mine.
Product: Money transfer, virtual currency, or money service

I have contacted a person online through XXXX  where his initial phone number was XXXX XXXX XXXX where he said he would sell XXXX XXXX XXXX XXXX for 9 people for XXXX XXXX He asked to me chat on this number XXXX XXXX XXXX as the previous one was his work phone number. i Asked for 9 tickets XXXX adults and XXXX kids. He asked me to send in two different amounts XXXX $ each. He said his name as XXXX XXXX and Zelle transfer account was XXXX XXXX and he works in XXXX XXXX and he has some many complimentary tickets that he can sell. I transferred XXXX $ from my XXXX XXXXXXXX XXXX account and another XXXX $ from my XXXX XXXX account. After i transferred my money, the customer did reject my call and did not respond for my calls. I used my wife 's number and asked for tickets and he still responded and started to fraud my wife as well.. I lost my XXXX $ dollars and reported claims in both XXXX XXXX and XXXX  XXXX XXXX and none of them were able to help me. I just need some help from you to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both Experian, XXXX and XXXX XXXX XXXX with no successful resolution. Experian and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. XXXX  XXXX Account # XXXX, ( Original Creditor : XXXX XXXX XXXX ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by XXXX XXXX Account # XXXX, ( Original Creditor : XXXX XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

I am submitting this formal statement regarding TransUnion 's failure to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute inaccurate information on my credit report, TransUnion has failed to conduct a reasonable investigation and has continued reporting erroneous data. 

TransUnion continues to respond within 24 hours stating that the accounts are accurate without proper investigation and proof of accuracy.

Disputed Account ( s ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Department XXXX XXXX According to recent findings from the Consumer Financial Protection Bureau ( CFPB ), TransUnion has been found to improperly handle consumer disputes, failing to conduct thorough investigations and often maintaining inaccurate data despite clear evidence to the contrary. My experience aligns with these findings, as TransUnion has either dismissed my dispute without adequate verification or has not responded within the legally required timeframe.

Under the FCRA ( 15 U.S.C. 1681i ), TransUnion is required to : 1. Conduct a reasonable investigation of disputed information.

2. Correct or delete any inaccurate, incomplete, or unverifiable information.

3. Respond within 30 days of receiving a dispute. 



TransUnion 's failure to comply with these legal obligations has caused undue harm to my credit profile, potentially affecting my financial standing, loan eligibility, and overall creditworthiness. If TransUnion does not take immediate corrective action, I will escalate this matter to the CFPB, Federal Trade Commission ( FTC ), and, if necessary, pursue legal action for violations of the FCRA. 

I demand that TransUnion immediately conduct a proper investigation, correct or remove the disputed information, and provide written confirmation of the resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Product: Debt collection

i was giving a credit then they told me i have to pay it back
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I made a ftc affidavit because I checked my credit report and I noticed that XXXX XXXX XXXX, headquarter XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX are fraudulent inquiries, I never authorized these inquires and want them removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX first reported a 30 late payment on my credit report to XXXX, XXXX, and TransUnion on XX/XX/XXXX. I wrote all three credit bureaus a letter in XX/XX/XXXX stating that the statue of limitation had expired, showing them their historical data since XX/XX/XXXX, and asking them to delete the account because they're in violation of the FCRA because the account is still reporting on my credit reports which is causing me to be denied credit. XXXX, TransUnion, and XXXX  allowed XXXX XXXX to re-aged the account even though their historical data shows that the first date of delinquency was XX/XX/XXXX. They allowed XXXX XXXX to report inaccurate information to their companies claiming that the first date of delinquency was in XXXX, refusing to delete the account from my credit report, stating that the account shall remain until XXXX ( 12 Years ) since the first month of delinquency. XXXX  then updated the account this month which caused my credit score to drop 51 points.
Product: Debt collection

They are trying to collect a debt from an old apartment. They are saying that the account was opened in XXXX, but I ended my lease in XXXX. The balance is supposedly XXXX but that is not possible. My monthly rent was only XXXX and the complex files for eviction after 30 days late. Lawyer fees for that complex is XXXX so there is no way possible that I owed that amount. Additionally the lease should have been terminated with no money owed because I ended the lease due to military orders. I have sent numerous letters to this agency asking for verification of the account to see how they are reporting this inaccurate information and they will not respond to me.
Product: Credit reporting

Dear sir/madam, as I was going through my credit report on Experian, XXXX and XXXX, I noticed a negative report on my credit. The negative report was from a Company called XXXX. First I have never had any account with XXXX .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. I DO N'T EVEN KNOW WHAT KIND OF BUSSINESS THEY OFFERI am requesting that XXXX or any of their affiliates should remove such negative statement from my credit reportI ATTACHED A COPY OF MY UTILITY BILL AS A PROOF
Product: Debt collection

The bill that the XXXX is trying to collect is for services that I did not authorize. The animal shelter in XXXX MT took an injured cat to the XXXX. The XXXX chose to due major XXXX on their own accord and at their own expense on this cat they assumed to be a stray. Well after the XXXX was done it was discovered that it was my cat and they want me to pay this bill and have turned this into Credit Associates for collection. I did not authorize these services, especially XXXX for {$980.00} I was not even aware of the services until after the fact. The collection law firm that represents Credit Associates, XXXX, refused to take the account as it is not a valid collectible debt. However Credit Associates still reports this collection on my credit report. I have disputed this account previously however they refuse to remove the reporting.
Product: Debt collection

The company IC.SYSTEM.INC. Is requesting me to pay the sum of : {$3000.00} in Collection of an account that doesnt belong to me. 
Ive been a victim of ID Theft. 
Theyre harassing me and need to stop.
Product: Mortgage

I have a mortgage loan with a company called BSI financial services and XXXX XXXX. I was late on my XX/XX/XXXXpayment which I paid on XX/XX/XXXX. I would have paid it sooner but due to hurricane Harvey I made the payment late. In XX/XX/XXXX my payment went up to {$3900.00} from {$2400.00}. I did n't understand why it went up so high so when I called BSI and told them my payment was so high XXXX XXXX told me to go ahead and make my normal payment and that he would check the issue for us. This had happened before and they fixed it. We thought that is what happened again so I made my XX/XX/XXXXpayment in XX/XX/XXXX but by that time we were were told we now owe {$11000.00} by XX/XX/XXXX. They said they could n't apply my XX/XX/XXXX payment because it was now considered a partial payment. They raised our payment that is supposed to have a locked interest rate for 5 yrs of 9.6 % was raised to 13 % they said it was a default payment interest that would go back down when we caught up on our payments. We are only in our 2nd year. That should have taken our payment to {$2900.00} but instead our payment went up to {$3900.00}. We definitely can not make the payment of {$3900.00}. When we asked them why it went up that high they told us because we did n't have enough escrow and that our insurance went up. Upon looking at our escrow it looks like we do have money in escrow but they told us they do a different math and we have to know their math to understand it. They could not explain their math to us. They still have not been able to explain the reason our payment is so high and we were asked how much we were able to pay but I have n't paid anymore because we do n't know what it 's going to and they already put one payment for {$2400.00} that we made in an unapplied account. We feel like we are just giving money to them and it 's not going towards anything and we do n't understand what we are paying and we do not get concrete answers and it also takes days to get ahold of them. In XX/XX/XXXX we told them we were having a hard time being timely because at the end of XX/XX/XXXX we had to evacuate due to hurricane Harvey. We spent money, my husband lost time and money from work and we spent extra money getting AC replaced that went down during power surge etc ..they raised our payment by {$500.00} for XX/XX/XXXX anyway then for XX/XX/XXXX and XX/XX/XXXX they raised our payment {$1500.00} higher in addition to our {$2400.00}. We were told that the hurricane relief rules did n't apply to them because they were giving us a commercial loan on our property.
Product: Credit reporting or other personal consumer reports

I purchased a car XX/XX/XXXX. I was making Auto payments on time twice a month. Went in to the hospital with XXXX XXXX XXXX. Also had my baby early due to it born with XXXX XXXX. My payment did start to become late or missed. But I noticed where I was making payments at was labeled has charge off like example i paid XX/XX/XXXX it reflects on my credit report has charge off. I made full payment to off the balance XX/XX/XXXX. And it reflects on my account has a charge offs for another couple of months until XXXX. I've been disputing this since XXXX. I feel like it's been over looked. I have bank statements uploaded to prove.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, I spoke with XXXX XXXX, VP Lending department at XXXX XXXX XXXX, he informed me that these XXXX [ Equifax ], had point a Lock and or a Frozen my Credit Report information. Listen up Equifax, XXXX Lock. Freeze my XXXX  Credit Report, whoever you within Equifax, you XXXX XXXX youre Not Stopping me, listen up Im ALL Ready in court with a Big Case Im XXXX, Im Not certain as to who you are within Equifax, in Federal court Im going to personally sue you and get you a go jail card, you XXXX XXXX XXXX XXXX XXXX, youre Not Stopping me. Hey Equifax you did think I could do, you XXXXXXXX XXXX, that XXXX XXXX XXXX XXXX XXXX XXXX account, better get that XXXX OFF my Credit Report, Purge this XXXX off my Credit Report, Im loving it, Im the XXXX Boss Now, XXXX XXXXXXXX XXXX  out, XXXX XXXX ( XXXX ) XXXX  out, XXXXXXXX XXXX XXXX  out, XXXX XXXX, that XXXX {$15000.00}, XXXX out, XXXX XXXX XXXX, {$11000.00}, XXXX out, Im a the XXXX XXXX man XXXX, this is funny, XXXX XXXX, Im paying this TradeLine off before the XXXX of XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to file a dispute with Equifax directly, using their online dispute portal, but it will not let me. I get an error message saying I can not file a dispute online. I am disputing the account on my Equifax credit file from XXXX/XXXX. This account is now paid in full and has a XXXX dollar balance. I have attached a letter from XXXX/XXXX, which shows that the account was paid and there is a XXXX dollar balance, as of XX/XX/2021. 

As for XXXX and the two people I spoke to at XXXX, XXXX and XXXX, they both used rude, aggressive and intimidation debt collection practices when I attempted to pay this loan and obtain the attached paid in full letter. Both XXXX and XXXX would not let me finish my sentence, they intimidated me by saying they would not send the debt satisfaction/paid in full letter unless I respected them and that they would make certain that the account was NOT updated with the credit bureaus to list it as paid in full and a XXXX dollar balance. I have previously complained about XXXX and their debt collection practices, and XXXX and XXXX of XXXX only prove the point that their actions were abusive, intimidating and illegal in how they attempted to collect upon this debt from me.