23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am contacting you because I noticed that Navient has significantly extended the payoff date of each of my federal loans ( and significantly increased the total payoff amount of each of them ) after I opted in to the COVID-19 administrative forbearance. After deciding to take advantage of the administrative forbearance in XX/XX/2021, I noticed that payoff schedules for all of my loans were significantly extended, resulting in much larger total payments. For example, there is one loan for which I should have 18 more months left of payment ( or 24 months if I include the forbearance period ) and for which I owe around {$2600.00}. However, my account now reflects that I have 32 more months of repayment resulting in a total of nearly {$4600.00}. Another one, in which I should have 12 more months of repayment ( 18 if counting the forebearance ), now shows a payment schedule of 25 more months. The total balance on that loan should be around {$2100.00} but the new payment schedule would have me paying {$5600.00}. 

Similar discrepancies are reflected on all of my federal loans serviced by Navient. There is no reason that this should be the case given I was paying all of the loans consistently up until XX/XX/2021, had already paid off interest on the affected loans, and those loans have been on a 0 % interest rate for over a year now due to the COVID-19 emergency relief measures.

I requested that these errors in my estimated payoff schedules be corrected and received three different responses from three different Navient representatives. None of the responses is satisfactory. I spoke to one specialist on the phone who stated that my loan terms had changed since I had changed my payment plan ; however, my payment plan has been the same for several years. Another specialist who replied to a written complaint said that Navient would not be able to update my account and reflect the proper payoff schedule while my loans were in the administrative forbearance. This doesn't make sense as it would mean that Navient effectively stops servicing the loans by providing up-to-date information on their status during this period. And a final one indicated that postponing my payments would inherently extend my projected payoff date, resulting in a higher payoff amount. However, that response doesn't explain why the loans would be extended for multiple times longer than the requested forbearance period, with the result being several thousands of dollars inexplicably added on to the total amount due.

I wanted to report my concerns around this development since the inaccurate information impacts my eligibility for an employer-paid loan repayment program that I participate in. I also recognize that I am uniquely able to track these bizarre changes because of the record keeping that I do for that program. I suspect that other borrowers would not have historical information about their loans that would enable them to see how dramatically and arbitrarily their payoff estimates have increased just by moving their loans into the administrative forbearance from one day to the next.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, XXXX and Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, XXXX and Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX, XXXX and Transunions inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX  Balance : {$15000.00}, XXXX XXXX Balance : {$6600.00}, XXXX XXXX XXXX Balance : {$35000.00}, XXXX XXXX XXXX XXXX Balance : {$14000.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$14000.00}, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureau equifax concerning an account with  XXXX  loans for  XXXX  which i sent certified asking them to verify the accuracy of this claim and as of  XXXX   XXXX ,2017 i havent heard back from them i sent this request letter certified since  XXXX    XXXX ,2017  and has never been disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently check my credit for accuracy and to my surprises there were a number of accounts reporting in my name, credit accounts that where not mine and I didn't have any knowledge of, this is when I realize that I have been breached and my identity stolen, immediately I started to investigating in what steps I should take to mitigate the damage in my credit, I found out that a report with the FTC has to be made. So I'd like to ask for you help to resolve this issue and restore my credit reputation. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a follow up complaint regarding the unresolved inaccuracies on my credit report despite multiple attempts to correct them. This is my multiple attempt to dispute the incorrect late open account and the late closed accounts that continue to appear on my report. On numerous occasions, I have provided all necessary documentation and followed all required procedures to have these inaccuracies corrected. Despite my persistent efforts, the errors remain uncorrected. This has caused significant damage to my credit score and has affected my ability to obtain credit. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these inaccuracies be investigated and corrected immediately. Please acknowledge receipt of this complaint and provide a detailed update on the actions being taken to resolve these disputes. I expect a resolution within the statutory 30-day period as mandated by the FCRA. Kindly help me correct the late open account and remove the late closed accounts as soon as possible : 1XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$160000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

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, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX has violated my rights. 

XXXX5 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
Product: Consumer Loan

I purchased a vehicle from Drivetime, They gave me a high interest rate but I was ok with it considering my credit rating. After driving the car for 3 years and bettering my credit I traded it in. The dealer that I traded to took awhile to send the payoff so my account was marked with my first late payment. I contacted Drivetime and explained the situation to them, They agreed to remove the late payment as a courtesy and I thank them for that. Fast forward a couple months and Drivetime is now XXXX, now the late payment is again reflecting on my credit report. I have contacted Drivetime again and even filed a XXXX compalaint just to be told that there is nothing they can do, which is XXXX because it was done before. I worked so hard to get my credit back into shape without filing bankruptcy just to have this single late payment ruin my credit again.
Product: Credit card or prepaid card

I made a purchase using the XXXX XXXX. The item cost more than the balance of the XXXX XXXX so I used my credit card to pay the remaining balance. I ended up returning the item I purchased and all of the money went back onto the XXXX XXXX. The card was locked by the company and they refuse to give me access to the funds claiming it was fraudulent.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I wired the financial company one hundred and twenty three thousand to buy my trucks that was the amount that they asked for. I had a security deposit that was supposed to be returned after the loan was paid off I payed off loan 31 months in advance
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4200.00}, {$440.00}, {$5800.00}, {$8200.00}, {$11000.00}, {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

2. XXXX XXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- AUTO ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to medical bills that I had in collections ( since removed ) I applied with XXXX XXXX, XXXX. and XXXX XXXX XXXX, XXXX. for secured card. They both made inquiries into my credit report. This was for cards backed by a deposit - not my credit-worthiness. They needed to place this more conspicuously as there is an implied contract of the card not being based upon credit worthiness. Also, where one normally can dispute this with the credit bureaus, here it is modified so that I am required toys every the banks remove the inquiry. This creates a greater burden of proof upon the consumer and allows for more abuse in the part of the bank - they are in control - they do what they want. It should be removed, but more so, these agencies provide facto public services. If more of their policies reflected these actions, legislation would follow as they should service as a mediator and an over site board in these sorts of disputes. It is unconscionable to think that they should be able to do this. Laws should be enacted to protect the consumer and allow them to dispute information with the bureau to which it has been reported.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to notify you that I am a victim of identity theft and that I wish to inquire about specific entries in my documents that have resulted from the crime. The documents under consideration have nothing to do with any transactions involving products, services, or money that I have made or approved. Assuming no one cares, please erase any information in my credit record obtained through claimed fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$7500.00} ; XXXX XXXXXXXX Balance : {$2200.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card

I contacted Capital One on XX/XX/XXXX to request they close my account or downgrade, or whatever was necessary for them to refund the renewal fee that they posted XX/XX/XXXX, which would have paid for 12 months of future use of the card. Capital One refused. Capital One made several excuses. These excuses were lies. 

Background : I applied for the card in XX/XX/XXXX. 
The first 12 month fee showed on my bill with a date XX/XX/XXXX. 
I had just received that card, and used it for the first time XX/XX/XXXX. I paid the bill without complaint. 
The second 12 month fee showed on my bill, assessed XX/XX/XXXX. I paid it without complaint. 
The third 12 month fee showed on my bill, assessed XX/XX/XXXX. 
This bill would be due XX/XX/XXXX. 
I paid the account balance in-full, actually {$2000.00} more than owed due of a purchase refund crediting the account XX/XX/XXXX or XXXX. 
I called to notify Capital One I would not pay to renew the card another 12 months, and asked that they refund the fee and close the card if necessary. 

Excuses Capital One made : 1. Capital One is not able to refund or waive the fee. 
2. Fees can not be disputed once they are assessed. 
XXXX. I called too late, I had to call before XX/XX/XXXX. 
4. The reasons are all documented in the XXXX XXXX XXXX 

Reality : 1. A business is always " able '' to refund/waive any fee they charge. Capital One simply did not " want '' to. 
2. All fees can be disputed before bill due date. It is even written on XXXX XXXX XXXX XXXX We will generally treat Fees as purchase transactions unless otherwise specified below. These Fees apply to your Account only if your TruthinLending Disclosures provide for them. '' 3. Capital One card statements indicate there is a 40 day window to cancel and receive the refund for the annual fee. This language is written explicitly ; " How can I Avoid Membership Fees? If a Renewal Notice is printed on this statement, you may avoid paying an annual membership Fee by contacting Customer Service fewer than 40 days after the annual membership Fee was assessed to request that we close your account. To avoid paying a monthly membership Fee, close your account and we will stop assessing your monthly membership Fee. '' Considering the fee was assessed XX/XX/XXXX, I should have until XX/XX/XXXX to close the account and remove the fee. 
4. The XXXX XXXX XXXX XXXX Customer Agreement document was downloaded and carefully reviewed after speaking to Capital One on XX/XX/XXXX. The document has nonspecific boilerplate language regarding membership fees, and no language that supports the excuses made to me by Capital One. 

Summary : I over-paid my credit card balance. I requested to cancel membership in a timely manner. I deserve to have my over-paid balance fully refunded. I deserve to have the membership fee for the card fully refunded, with closure of the card. I " deserved '' to not be lied to and bullied in this relationship.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX - XXXX XXXX add a hard inquiriy on my credit report per XXXX.

On XX/XX/XXXX, XXXX - XXXX XXXX add a hard inquiriy on my credit report per XXXX.

On XX/XX/XXXX CITIZENS BANK add a hard inquiriy on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report seen where there was a collection account from " XXXX XXXX XXXX '' for an account with XXXX  or whomever it is with. 
I've never done business with XXXX or this company or ITS affiliates. 
PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS ASAP. 
I'M ALSO ATTACHING A COPY OF A POLICE REPORT RECENTLY FILED. 
THIS IS NOT MY ACCOUNT. 
SEIZE ALL COMMUNICATION EFFORTS AND REMOVE THE NEGATIVE INQUIRY EXPEDITIOUSLY
Product: Debt collection

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, sent Capital One in writing a DEBT VALIDATION letter in order to validate a debt shown on my consumer report, on all 3 major consumer reporting agencies. Pursuant to 15 USC 1692g the debt was to be validated and is being disputed by me, XXXX XXXX. I sent CAPITAL ONE the validation letter along with a CEASE AND DESIST letter on XX/XX/2021 certified mail and CAPITAL ONE received the letter on XX/XX/2021. I received a letter dated XX/XX/2021 from CAPITAL ONE asking me to send them additional information which I am not required to do so. Capital has refused to validate the debt and has also not ceased collection activities. CAPITAL ONE is still harassing me by sending me letters and still having false information reported to the consumer reporting agencies after the cease and desist letter was received.
Product: Debt collection

XXXX, XXXX, XXXX XXXX, XXXX XXXX MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX I have disputed with this company more times than i written down Requesting validation bearing my signature from the disputing them with the credit bureaus. and they refuse to send me the correct validation i requested 1. When was the account opened. 
2. The first time i missed a payment.
3. When did you take over the account 4. Validation that is a competent evidence bearing my signature showing that i have or ever had some contractual obligation to pay you. 
They will not release this information to me and its been way over a year. Also i can submitted by mail a certified mail receipt and letter i wrote and the company never responded the so called original credited and any company that represent them with again no responds from either company. I think they are scammers because why would n't they release the information i ask for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Us Bank # XXXX is reporting a balance on an account and updating that I settled back in 2017. I have and have attached a deletion letter I received stating this account is settled and should be removed. There is no reason for it to still be updating on credit and it needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT ( XXXX XXXX ) DUE TO IDTHEFT APPEARED ON MY TRANSUNION CREDIT REPORT. WERE DISPUTED TRANSUNION DID NOT REVOVE OR DELETED. THAT IS A SERIOUS VIOLATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection account ( XXXX XXXX XXXX XXXX XXXX ) has been disputed on many occasions due to negligence of a property managment and mishandling of personal information by the company in the time of stay the lease was legally terminated with all cost expunged. I have continued to dispute this error to get it removed from my credit file but it has been to no avail. I need this issue to be resolved