23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In XXXX my mother XXXX and I had spoken many times to Navient regarding all 5 of my private student loans and how we want the payments applied. After many attempts on the phone and multiple emails, we wanted Navient to apply our payments correctly, and in addition, we wanted to put the extra payments towards the principal. After all these attempts, they finally implemented payment posting as we requested. Please know that this took many hours both on the phone and in emails, as well as constantly monitoring and tracking all 5 private loans on the Navient website. 

I recently noticed that Navient has been sending me emails requesting " Overpayment Directions ''. My mother called in to Navient on XX/XX/XXXX at XXXX PST  and spoke to XXXX, ID # XXXX to better understand the letter and our next steps. 

My mother explained to XXXX that back in XXXX we gave instructions to Navient during many phone calls and outlined in emails on how to apply payments. She explained to XXXX that we make payments based on loan number. In other words, I have 5 loans, and make 5 payments. I pay extra money on every loan, every month. All 5 loans should have all extra money paid applied to the principal. 

My mother then explained to XXXX that this letter does not provide an option to " put the extra payment to the principal '' so we was unsure how to respond. XXXX said this is a standard letter and is system generated. 

XXXX informed my mother that her system notes already have XXXX set up to place the " extra payment to the principal ''. XXXX said " I know this is confusing '', and then she began to read about my payments being an accrual or something of that nature. What she was saying did not appear to have anything to do with the nature of my call so my mother told her to not read from a script. XXXX then said, yes, we already have XXXX XXXX instructions. Navient makes these phone calls so difficult, and it is so frustrating that they talk about things that don't even appear to make sense with the issue we are talking about. Is she trying to intentionally confuse us further?? 

XXXX and my mother walked through a payment that I recently made and she confirmed that the extra money being sent is going to the principal. So, now I'm really unclear why this letter is being generated, other than to try and confuse me. XXXX provided no viable reason as to why we are receiving this letter since they already have instructions on what to do with extra money I pay. I have no faith in Navient and any information they provide us. I also have no faith in how they apply my payments. 

Only one loan number is being input for this complaint, but please note that I have 5  loans.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit eport. 

Equifax : XXXX  XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Inc. 19 ) XXXX XXXX XXXX XXXX XXXX and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process a XXXX was unfair and Seceptive, as they XXXX nor '' ky comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer servick and XXXX fair lor ides, Ich violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not XXXX comply with error, resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE NEVER FILED XXXX XXXX XXXX AND EXPERIAN AND XXXX CONTINUE TO REPORT THIS UNVERIFIED XXXX XXXX INCLUDED IS A LETTER OF WITHDRAWAL, AND LETTER FROM XXXX XXXX THE DATA FURNISHER CASE NUMBER XXXX WAS NEVER FILED IN A BANKRUPTCY COURT.. IT WAS WITHDREW I HAVE NOTICE OF WITHDRAWAL...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had identity theft and have been disputing fraudulent information on my credit reports with the three main bureaus XXXX, XXXX and experian for many months. 

I have even sent them a copy of my identity theft reports but they refuse to investigate. 
Even if there was no identity theft, the information is still inaccurate across the bureaus as follows : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX {$480.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX {$680.00} high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$110.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX Acnt # XXXX {$340.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment : XXXX XXXX XXXX XXXX XXXX # XXXX {$26.00} the following information is inaccurate across the bureaus high balance : date of last activity : date opened : balance owed : closed date : last payment :
Product: Debt collection

I have identified instances of identity theft on my consumer report, which I believe are clear violations of both state and federal laws, particularly 15 U.S. Code 1681c-2. I did not explicitly consent to the reporting of these accounts, nor was I informed when initiating these transactions that they would be reported. This infringes upon my right to privacy. My securities and XXXX  number have not been identified with the account listed. If the agency declines to remove this account, please provide evidence that you are not an affiliated, for-profit organization potentially profiting from the reporting of these private transactions. Since I have not granted permission for reporting, these accounts should be removed immediately. No verification or validation is required, and I do not consent to communication with the accounts I am requesting to be removed. Accuracy is not the concern, as the accounts belong to me. These violations stem from unauthorized transactions executed without my explicit consent, resulting in the disclosure of highly personal information to third parties. The credit reporting agency has also failed to provide clear and conspicuous information regarding the reporting of certain accounts, as mandated by the Gramm-Leach-Bliley Act. Additionally, I was not notified when a consumer report was being generated on my behalf or when an investigative report was requested, which I believe is a violation of 15 U.S. Code 1681d. Identity theft occurs when information is obtained and shared without express written consent, as in this case. The credit reporting agency lacks evidence demonstrating my consent for the reporting of these private transactions and accounts, as required by the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

I purchase something on XXXX XXXX and I did pay through XXXX and I trusted this guy to pay through it. And now he scammed me worth of {$800.00}. I still have his number and some screenshot conversation. And it happens on XX/XX/XXXX XXXX
Product: Student loan

I am complaining because my loan payment has increased immensly. I am repaying my loan on a repayment plan and i am not informed that i am paying interest only. Navient is not applying my payments toward principal at all. I owe over 43,000.00 in principal and i am not making a dent. I have been paying this loan back consecutively for two years and nothing has been applied toward principal. I called but no call back. It doesnt make sense how my initial loan payment was half that amount and now ten years later after i graduated it is twice as much. I deferred for years due to financial hardship and didnt pay interest but i should still have money put toward principal. This is not right.
Product: Vehicle loan or lease

Requested payment modification with Ford Credit on XX/XX/XXXX. Rewrite was denied XX/XX/XXXX and as of today I have been lied to be each Ford Credit Call rep at XXXX. I was told 7 to 14 days to receive my letter of declination. As of XX/XX/2019 I have not received any notification as to the declination. Also, I was solicited to defer my monthly payments which I did for the month of XXXX and XXXX and was told it would not report to the credit reporting agencies. Another Lie. My payment due date is the XXXX of the month and today, the bureaus reported a 2 month deferred payment. I just got off the phone the XXXX from XXXX XXXX, she stated they reported every month on the next day after payment due date. XXXX stated they reported to the bureaus on XX/XX/XXXX. Thats a Sunday. Lies, Lies and more Lies. She stated they do not report, however why as of today XX/XX/2019 with a payment date of the XXXX having one business day with a 10 day grace period, why would the bureaus be showing a 2 month deferred payment unless Ford reported it. Ford Credit is the New XXXX XXXX. Fraudulent and out right lies from Representatives. I also requested recording of my calls and was denied. I requested transcripts of those calls and was denied. However, XXXX said she would look at the calls as a coaching opportunity. After speaking with 6 to 10 reps and they all stated the same information on different dates and different calls. They are all Liars.
Product: Debt collection

On XX/XX/2021, I called this company and spoke with 4 different people. Their company continued to hang up on me. When I finally got someone on the phone, I agreed to a settlement of {$980.00}, which is ridiculous because the original debt is XXXX. I gave the rep my card number 3 times, but they continued to say that the system wouldn't allow them to take this information. So I provided them with my husband 's bank information, routing and account number. After the rep took this information, she assured us that the payment went through and we will receive a letter in the mail in 7 days saying the debt was paid. She was extremely rude when taking our information. When the information was received, I asked for a confirmation number. She did not provide me with a number. I also asked if she could email me something saying the debt was paid. I commenced to give her my personal email. She said it wasn't working. I tried to give her my husband 's email, she said she couldn't use his. I tried to give her my work email, she said that she couldn't take that. So finally my personal email works. I check my email, but still not email from Midland. Today, XX/XX/XXXX, I checked the account for Midland and my balance still reads {$1400.00} as my balance. So that let 's me know that my payment was not received or didn't work. This has been a terrible experience with a debt collection agency. This has actually been the worst experience ever. This is a huge hindrance. I am working on my credit report and trying to settle somethings and this is not working out.
Product: Debt collection

Renton Collections. This has been going on sin ce  XX/2016 . They c ontacted me by phone several times over the past few months, in which I requested written proof of the debt in question. I asked for proof and even went to dispute it, but I was told it was easier to pay it off. In which I have paid monthly payments of {$50.00} to {$150.00} and now find out that not only is the debt in dispute, the total amount was charged off and I do not owe any money and that it was paid by my insurance company. Not only am unsatisfied with their operation, practices, but false names false acquisitions and finally, They WITHDREW {$50.00} ON  XX/XX/2016    YOU WERE NOT AUTHORIZED TO DO.   I do not have any responsibility for the debt they are collecting, I told them if I am responsible for this debt, mail me the documents that make you believe that. THEN THEY stop all other communication with me and with this address under RENTON, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and sent it to another DEBT Company and also would not indicate to them that it is disputed. reported it to a credit bureau, also report that the debt is disputed. I contacted the BBB, They have numerous slanderous complaints. They do this to people under different names. i even told them THEY were being recorded and they changed their name and hung up.     Thank you for your cooperation.   Sincerely,  XXXX   XXXX ,  XXXX .    XXXX  see :  Renton Collection    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent accounts on my credit report. 
I have also directly contacted the company associated with these accounts, and they have confirmed the removal of the accounts. Therefore, I am puzzled as to why these accounts are still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove these fraudulent accounts not only violates this obligation but also exposes me to further harm. 

I request that you promptly eliminate these accounts from my credit report, aligning with the actions taken by other credit bureaus. Failure to do so will leave me with no choice but to pursue legal action. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent accounts, and following these submission, XXXX XXXX XXXX have removed these accounts from their records. 
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: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX XXXX XXXX is reporting to my credit report as Account charged off, written off. This is considered canceled debt, this is considered ordinary income by the IRS, this is an inaccurate account that is furnished on my credit report, the company filed it on their taxes and also reported it on my credit report as debt. The IRS states that this company was supposed to send me a 1099c form so that I could file this as ordinary income. I haven't received the form. They are in violation of law 15 U.S.C sec. 1681e ( b ). This account has to be deleted as this company and the credit bureau is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

company will not validate and show the method of verfication for disputed items. i have sent letters out on XXXX XXXX until now every 30 days company still have not validated or provided the method of verification. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 


XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX Account Number : Please investigate and delete from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report. 

XXXX. Validate Verify XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report
Product: Money transfer, virtual currency, or money service

I was scammed {$11000.00} to a scammer that was identified as a XXXX XXXX XXXX XXXX woman named XXXX XXXX. After a couple weeks of talking from a wrong number text, she convinces me to invest in a fake platform called XXXX  it seemed legit at first as I was able to withdraw a {$30.00} profit from my {$100.00} deposit which is the amount I started off with. The scammer convinced me to invest more so my profits can be more. I put in another {$1000.00}. After making a few more profits that week, the scammer tells me to increase my account to {$10000.00} so my profits can be bigger. She says she gets inside info from her uncle to make these profits. I decide to put in another {$8000.00}. We're up to {$9100.00}. 
After a few trades, my account is at XXXX. I thought I made over XXXX. But when i try to withdraw the funds, it tells me I have to pay over XXXX in taxes in the next 3 days. After panicking, I pay a $ XXXX payment for the tax before realizing this is all fake. I saw reviews that night of this scammer and platform. 
I tried to get my money back from my banks but they tell me that I can't get my money back. This is very unfortunate for me. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under a lot of fake accounts which she is currently in jail because of her actions and facing years in jail for fraud I even have my police report Its been years since I contacted all the debt collection to let them know that it wasnt me my parents even hired someone to help me fix my credit I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX account to learn more about my credit as I was checking I see it alot of old fraud infos fake errors on my account. one of them is PayPal it shows that I had a An account since 2015 with them but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company Which is XXXX  XXXX they keep on reported me messing up my credit please help me get my identity back.
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 

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 under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, AMONG OTHERS. XXXX  XXXX  IS THE BANK THEY TRICK YOU INTO USING! This bank is owned by XXXX XXXX XXXX and the other companies listed above. XXXX is listed under XXXX XXXX. Cutting to the point XXXX  and ALL OF THEIR EMPLOYES, and i mean all of them will harass you and call at inappropriate times of the morning and night. 

My biggest problem is ; I was in a motorcycle accident where i was rear-ended from behind at a stop light and was almost dead, shortly after being released after almost 2 months, ( and mind you i stayed current up until my first release, even hospitalized with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) after they keep demanding payment but while i was in the hospital with XXXX XXXX XXXX and a XXXX after being released the first time they had blocked access to my online account ( for what I've tracked and logged for over a month now. ) to this day i am writing this even, i still have the vehicle and i still can not make a payment due to this, and just today alone i received OVER 78 PHONE CALLS AFTER DOING A REVERSE LOOK UP FROM EVERY SINGLE ONE OF THEIR EMPLOYEES PERSONAL LINES, AND EVEN COMPANIES THAT ARE XXXX AND NOT THE BANK THEMSELVES. 


Additionally After opting out ( i have attached the letter to this complaint that was sent so i made it when i got used of my hands and brain again! 

As per the USC codes, i took the liberty of stating, only regarding the Second part of this complaint. That being after sending a certified letter Opting-out. XXXX  XXXX is in direct and in-direct violation as well as Breach of contract. 

*****The USC Codes state under15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Reasonable procedures to ensure compliance No person shall be held liable for any violation of this section if he shows by a preponderance of the evidence that at the time of the alleged violation, he maintained reasonable procedures to assure compliance with the provisions of this section.

( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.

ATTACHED IS THE COPY OF THE INITFINDINGS THEY HAD LOCKED ME OUT STILL AFTER A MONTH OF BEING IN A XXXX  IN THE HOSPITAL, STILL HARRASSING ME. WHEN I GOT TO MY PHONE I HAD OVER 500 EMAILS AND AN OUTSTAND 789 CALLS. BARE IN MIND MY WIFE WAS IN DIRECT CONTACT WITH THEM AS WELL BEGGING TO NOT REPORT A LATE PAYMENT AS I AM STILL IN THE MIDLE OF GETTING A MORTGAGE LOAN BECAUSE THEY INTENTIONALLY REPORTED A FALSE MISSED PAYMET IN XXXX, THUS MAKING ME GET DENIED MY MORTGAGE ***LOOSING THE HOME I WAS IN AT THE TIME BECAUSE THE LEASE WAS UP, PUTTING MYSE XXXX XXXX  MY XXXX BABY GIRLS ALL UNDER THE AGE OF XXXX WITH XXXX OF THEM BEING XXXX AND XXXX XXXX XXXX!