23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

( 1 ) Already Approved IDR from StudentAid.gov : I am attempting to provide real facts for already approved IDR for a New Navient email received on XX/XX/XXXX. I followed Navients prior suggested and continued suggested link TO StudentAid.gov. The message stated on StudentAid.gov that my already approved IDR is not due to recertify income until XX/XX/XXXX. ( XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX Navient logged in web account already approved IDR from studentaid.gov complimentary copy uploaded with Navients system confirmation. The already approved IDR was embedded within a PDF document. I provided this three times to Navient to clear up communications and validate IDR. The first uploaded Navient PDF didnt get acknowledge via phone communications, therefore, I took image receipts of the other two from Navients system confirmation. Navient kept saying they didnt receive anything from me, however, again, my logged in web account, Navients system confirmation stated otherwise.

( 3 ) *New Problem, As of XX/XX/XXXX, I am missing credit in my Navient web account for XXXX paid through XXXX XXXX. ( XXXX XXXX ) ( XXXX ) Although I have an already approved IDR from studentaid.gov, I recently had temporary funding available, therefore, I made good faith efforts. I paid off 2 private signature loans and 1 federal loan. In addition, I made numerous payments toward my federal loans. For some reason, my Navient communications by phone and email do not reflect any of my efforts? However, I have Navient payment and date confirmations. Payments were posted from my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Thank you for reading my concerns with receipts for validation. Kind Regards. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my TransUnion report, there is a name that does not belong to me... XXXX XXXX '' is not me. Also the address XXXX XXXX XXXX
Product: Student loan

I was encouraged to defer my payment for three months by Navient. I told every financial counselor I spoke with from Navient that I was unemployed and looking for a job and that I could not afford payments. They told me I could take a deferment for three months once my account was up to date. I asked my Mom to help me make that payment and after the payment was received they told me I was unable to take a deferment. I received countless calls every day ( 3 or more times daily, at all hours of the day ) from navient financial counselors. Several months later I found out I was in a deferment for three months, and I asked why I was still receiving harrassing calls from navient workers. All the counselor I was speaking with did was apologize. I still am not employed full time, I work part time and it is difficult for me to make my payments every month ( although I do, about 50 % + of my income is paid to student loans ). I told navient counselors this and asked for information on other payment plans. I began asking this in XXXX and was told an email would be sent out to my mother ( these loans are in her name ) and that they would sent mail about repayment plans to our house. Nothing was sent and I have been asking them every month since XXXX about this. I am disgusted with dealing with Navient/ XXXX XXXX and I hope these circumstances change for the people who are indebted by them. If my payments were lower I could afford to do a lot more, but with the circumstance I am in now, I would have to make at least double what I make now to ever be able to move out and live on my own.
Product: Debt collection

This is a hospital bill. Years ago the hospital put XXXX of my bills together and I have been paying on this bill. All of a sudden this added. bill appears.I have tried talking to them to no avail. When i contacted the hospital I was told they were not aware of this bill, and that I am not in arrears.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom is reading this. I am writing this because I am being told by Experian and XXXX that somehow I am not a real person who's writing to them and all this nonsense. I tried calling all 3 credit bureaus and could not get anyone on the phone to speak to. I sent in my ID and social security card along with a fraud report and was told Im a liar and its not me. I don't know what these crazy people want me do to prove its me. I am the victim of identity theft and someone stealing my information and now I'm being treated like the criminal and its not fair at all. I don't know who stole my information and for all I know it can be the same companies asking me to keep sending them my information. These companies should have already received my paperwork that it was fraudulently opened and I don't know how in the world they would expect me to pay on something that was not mine. If I have to, then I will just also report this to the better business bureau and also the Attorney General for help with this issue. I already see that these 3 companies are being sued almost every day for their fraudulent business practices themselves. I would just like for this fraudulent information to be investigated and taken off my report because its not mine. these companies wrote me letters saying they sending it to the company to investigate if its mine or not and my question is, how in the heck are they going to know if its mine? nor do they even care to spend the money and investigate my issues. They just want me to be a XXXXXXXX XXXX XXXX and pay the money for any fraudulent account that shows up. So their investigation will not be in my best interest anyway. Please do the right thing and remove theses fraudulent accounts from my report, because having to hire a lawyer to get it off and then sue is just a waste of my time and their time and money. Thank you for listening and my apologies for my rant, but this is just ridiculous I documented a fraudulent report and then then tell me I'm lying, its very unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX XXXX on XX/XX/XXXX at XXXX XXXX   regarding payment for the account ending in XXXX. The representative stated that if I paid {$45.00}, another payment wouldn't be due for another 60 days and that a XXXX XXXX rep would be contacting me to receive payment. At the beginning of XX/XX/XXXX, I received a credit alert that the XXXX XXXX account was past due for 30 days. I called them and asked how it could be past due and the first rep said she didn't understand how it was past due so she transferred me to a second tier rep who said that they would get back with me. Throughout the duration of the call which lasted about 28 minutes, I was placed on hold multiple times as the reps did not understand why the account was reported as past due. I asked them if they could review the phone call from XX/XX/XXXX and they agreed to do so. I knew if they reviewed the call, they would see what that particular rep told me and they would remove the negative credit reporting. On XX/XX/XXXX, at approximately XXXX XXXX  I received a call from another XXXX  XXXX rep by the name of XXXX ( rep ID number XXXX ) who said that there was " no error '' on their part. I asked her if she reviewed the call and she stated that she did. I asked if I could hear the call to point out what was said and she said that they did not allow customers to listen to their own calls per company policy. I asked for a copy of that particular policy and she stated that she could not provide a copy of the policy per another " company policy ''. I would like to have the negative reporting removed because I was told that another payment would not be due for 60 days. XXXX XXXX also would not provide any real answer as to why the rep said that and why they refused to produce the " company policy '' they referenced in the XX/XX/XXXX phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone have been applying for credit in my name at the following places -XXXX XXXX : XXXX XXXX XXXX -factual Data : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DBA : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX I was in the hospital and the bill went to a collection agency, Rash Curtis. In XXXX my husband and I filed bankruptcy but then about 6 months later we withdrew the filing. I never heard from this company again and on my credit report it said discharged in bankruptcy. A few weeks ago I pulled up my credit report and they have begun posting on this debt that I have refused to pay. I received a phone call on XX/XX/XXXX from this company. I called and have been told I owe XXXX in  medical bills dating back to XXXX. I asked about the discharge and they said they lifted that after the bankruptcy was discharged but we never received any information, no letters. When I called they said they sent a letter in XX/XX/XXXX about a new medical bill, I have no idea what they are talking. They said they have called numerous times but have never left a message. Now they want a settlement or for me to pay the entire XXXX, and will continue posting to my credit report that I am not paying. I am not sure what to do and if this is legal. I have no problem paying, but the posting on a credit report from a XXXX debt doesn't seem ethical or legal.
Product: Payday loan, title loan, or personal loan

Dollar Financial dba The Check Cashing Store ( a name they use in Florida ) is a company I used for a Payday Loan in XXXX XXXX Florida. They were offering a brand new product that was a {$1000.00} loan in the early part of XXXX of this year ( 2019 ). The loan was represented to me with a ninety day payback due on the first of XXXX ( 3 months ). The 'Federal Truth In Lending Disclosures ' page in the contract under the PAYMENT SCHEDULE says 'My payment schedule will be one payment of {$1300.00} due on Thursday, XX/XX/2019 '. Regrettably the above mentioned company took {$450.00} in an ACH ( not a check ) on XX/XX/XXXX ( one month after I took the loan out ) out of my checking account thus causing financial pain and distress as my account went negative and my bank charged {$84.00} in fees as well. A complaint was also filed with the Florida Department of Financial Regulation in XXXX Florida. Please let me be clear that NO check was given to them for this date ( XX/XX/XXXX ) or any other date by myself.
Product: Mortgage

The prior owner sold her property @ XXXX XXXX XXXX on XXXX/XXXX/XXXX ( Legal : XXXX ) ; she had refi 'd 2 of her properties ( this XXXX & XXXX XXXX XXXX ) at the same time with BOA in XXXX XXXX ; both new dot 's had the same legal attached ( from the XXXX XXXX XXXX ) ( XXXX-recorded XXXX/XXXX/XXXX @ Rec # XXXX & XXXX-recorded XXXX/XXXX/XXXX @ Rec # XXXX ) ; Title Company & prior owner have made numerous phone calls to BOA starting the beginning of XXXX XXXX to have them do a Partial Release on Lot XXXX, but instead they did a Corrected DOT-correcting the legal description to XXXX ( recorded XXXX/XXXX/XXXX @ Rec # XXXX )
Product: Credit card or prepaid card

Dear CFPB, Thank you for taking your time to review my message below and do all that you can to help me solve this terrible experience. 

On XX/XX/XXXX, my wife and were taking a flight home via JetBlue, and per usual we were being hassled into applying for their card. After many attempts to decline the offer, the representative remained predatorily persistent, stating that the card would offer amazing benefits like 15-months XXXX percent intro on purchases & balance transfers, JetBlue miles etc. 

We decided to apply and got approved. After receiving my card in the mail, on or around XX/XX/XXXX, I called the customer service number to confirm that my zero percent APR on purchases was valid. The Barclays representative confirmed that this was true, so I proceeded with adding my checking account for auto-pay for peace of mind. 

I went ahead and started spending on my card, with the confirmation and intention that I wont have to pay any interest for the next 15-months. When I reviewed my statements on or around XX/XX/XXXX, I noticed I was being charged 20+ % interest. I reached out to Barclays immediately, after being transferred back and forth no one was able to assist me nor took ownership of their error. The rep mentioned they would have a manager call me back and no one did. I called back several times, again same story, the rep mentions a manager will call back yet no one did. 

Finally, on XX/XX/XXXX I got a hold of a manager who suggested I write to the office of the XXXX XXXX XXXX, Delaware. I wrote them a letter stating the wrongful interest on my account. On XX/XX/XXXX I received a voicemail from Barclays acknowledging that they received my letter and were reviewing my account. Until today I have not received any response and the wrongful interest keeps accruing on my account. I have made several more attempts to reach out and its the same circle of a manager will call you back and no one ever does. Barclays has handled this ignorantly and unprofessionally. This is a terrible experience, I have good credit, I've never missed a payment, and all I want to do is pay-down my card in full less the wrongful interest. 

We are struggling as a household, my wife just got fired from her job because she requested a XXXX XXXX. I'm the only bread-winner in the household and our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I really need your help here, I don't know where else to go. I don't want to ruin my credit that I've worked so hard for and default on this card. 

Thank you for your help in advance. 

Respectfully, XXXX XXXX
Product: Mortgage

Rec 'd mail notice of XXXX Tax notice in the amount of {$1200.00} due by XX/XX/XXXX. 
Called Essex Mortgage XXXX and was told the payment was made via wire on XX/XX/XXXX at XXXX XXXX. I called my county office and provided this information while the mortgage company was on same line and they requested a document/confirmation number and the mortgage company could not provide. The county also said they did not have a payment for this date and time. 

XX/XX/XXXX @ XXXX XXXX CST After on the phone for an hour and half, I could not get any other information other than a supervisor will call me back. I received a phone call from XXXX, XXXX and he stated the wire was setup from a 3rd party vendor, XXXX XXXX and he could not provide any other information as there were other home owners information with that payment. 

XX/XX/XXXX I called my county office this morning at XXXX CST and they confirmed the Property taxes are still due.
Product: Student loan

I qualify for XXXX and made XXXX payments and certified my employer through XXXX  I am submitting letter from XX/XX/year> of forgiveness from the XXXX but Mohela has failed to forgive loan based on attached. I have made multiple calls every month to Mohela from XX/XX/year>, XX/XX/year> and XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXX {$65.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3000.00} XXXX  XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXX XX/XX/XXXX {$230.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX - email from Genesis XX/XX/XXXX - email from Genesis XX/XX/XXXX - voicemail from Genesis XX/XX/XXXX - voicemail from Genesis XX/XX/XXXX- XXXX from Genesis XX/XX/XXXX - voicemail from Genesis XX/XX/XXXX - voicemail from Genesis This does not include two initial calls that I answered from an undelivered number in that time range where a woman was pressing me to answer her questions and pay my debt. Upon the first call I received, I asked them to PLEASE stop calling me as I had submitted a dispute request in the mail and had up to 30 days to receive information to continue on with the dispute. At the time, this woman mentioned that the dispute letter " hadn't shown up in my account '', but I have confirmation date of delivery letters from USPS showing that the debt collector did indeed receive my request for a dispute and more information. It has now been 30 days since my request to have that information received, and I still haven't gotten any clarification around this debt collection and why it is believed to be owed. I still receive weekly calls asking to pay my debt and harassment that if I don't pay I could be in big trouble. I have called Genesis three different times in the last week and no one picks up the phone. I do not believe that I owe the debt amount, but yet I can't get any information as to why this debt collector believes I should pay them or how they came up with the number they think I owe. 

In addition to this information, the debt collector is asking us to pay {$730.00} on behalf of " damages '' that were never proven with an old rental property that I once rented from. In my time at this location, there were many occurrences that happened in which we felt we were treated unfairly. 

We had asked COLUMBIA DEBT RECOVERY LLC DBA GENESIS to provide proof of damages, along with a written letter asking to provide that information in the matter of 30 days. They had until XX/XX/XXXX to prove that information, and yet I'm still getting calls asking for us to pay our debt. All calls from Genesis should have been put on hold according to their original email correspondence in which they stated in writing " If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. '' Our letter was written and submitted to them by XX/XX/XXXX and again, there is proof of that from USPS delivering that letter. I have also attached the PDF of the written letter submitted.
Product: Debt collection

XXXX certified letters within a 60 day period to I.C. System, Inc. has failed to provide the following requested information to validate alleged debts:1. Signed credit applications between myself and the original creditor2. Copies of all signed vouchers from the date accounts opened until default3. Copies of all statements from the date accounts opened until default4. Proof of the statue of limitations5. Proof of agreements that they were hired by the original creditor ( creditor as defined by the FDCPA ) or6. A copy of the contracts I.C. System, Inc. purchased the alleged debts7. If the alleged debts were purchased, provide a copy of agreements between I.C. System, Inc. and myself, signed by me, stating that I have a contractual responsibility to I.C. System, Inc. for the alleged debts8.Provide proof that I.C. System, Inc. is bonded/Licensed for debt collecting in the state of AlabamaBy failing to provided all of the information that was requested on my behalf, the disputed claims are now considered invalid and all collection efforts must be stopped and the accounts must be deleted from I.C. System, Inc. I.C. System, Inc. can not validate their claims, therefore they can not, by law, collect on it, or sell it to another collection agency. Also, reporting debts to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ), and carries a {$2500.00} fine. Please advise I.C. System, Inc. of their infractions and that the alleged debts must be removed from their account immediately, and they also must be removed from all credit reporting agencies.Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMorgan/Chase has me listed as having two credit cards with them in the past, which I have never opened or applied for.
Product: Debt collection

XXXX keepds calling me and texting me about a debt that did not belong to me. They tried to tie it to my credit card but my credit card company investigated and reversed the debt. The are now using a company by the name of FMA Alliance to harass me. 

I would like to formally request that they provide validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ), which stipulates that a debt collector must provide proof of the debt and its ownership upon request. 

To clarify, I have no knowledge of this debt, and I believe there may be a mistake. I request that they provide the following documentation : Proof that the debt is mine. 
The name of the original creditor. 
The amount owed, along with a detailed breakdown. 
Any signed agreement or contract that supports this claim. 
Until this information is provided, I request that you cease all collection efforts related to this alleged debt.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I sent {$500.00} through XXXX from my citizens bank account to my sons XXXX XXXX XXXX  account, the funds left my citizens bank account but were never credited to my sons BOA account. I contacted both banks on a conference call and was advised the payments failed, and would be returned to the citizens bank account within 14 business days. Today is XX/XX/2020 and the funds are still in limbo. I have called the supervisor working on the case for me from citizens bank and he has not gotten back to me In the last two days. I have sent money to my son countless times through XXXX using his phone number before this and since the issue and this has not happened before.