23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I noticed there is New Chase total account and credit cards account open under my information. I have not acknowledge or consent to opening these accounts. Please authenticate the account holder and provide documentation. I have not consent to or acknowledge of these account opening.
Product: Credit reporting or other personal consumer reports

TransUnion failed to provide me with a Method of verification as they are required to do by XXXX law.
Product: Student loan

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

As a matter of fact, 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 XXXX XXXX XXXX the Biden administration has just announced a blanket discharge for anyone enrolled at XXXX XXXX XXXX  from XX/XX/XXXX to XX/XX/XXXX. 
My Federal loans ( Distributed and Repaid amounts Attached in XXXX  ) discharged and my credit repaired. 

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 2000 's. 

These private loans with a high risk of default were part of a package deal offered to " for-profit online 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 online schools. 
After the AG 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 to 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?

Furthermore, 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.

This application 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 online for-profit schools.

Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 

XXXX XXXX XXXX has sent a letter to Navient 's CEO ( Attached ) 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, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I got a lease at XXXX XXXX XXXX XXXX in 2022, the terms of this lease are predatory the lease amount is for almost the whole total of the car and the option to buy out the lease after its over as for another {$33000.00} which will mean I will pay double the price of the car. The terms of the contract were switched while I went home to wait for my husband before we went back and signed the paperwork. Also, my signatures on the paperwork are not really my signature as they are forged. Ive gotten XXXX other opinions from other dealerships about my lease and they have all unanimously told me that I will never get out of this. Ive been buried in this lease and that its predatory. I tried to take this up with the dealer many times and the bank Ally financial even as recently as yesterday and the dealership sales manager did nothing. He actually laughed in my face and said then who signed it when I told him I didnt sign it, and kept trying to insinuate that I was lying about this and that it doesnt matter because I signed the contract however, I didnt sign the contract and even if I did it doesnt matter because its clearly predatory. All I want is to be released from this. My credit is being destroyed and even when the lease is over, I wont be able to afford to get out of it. I am completely stuck in this.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts and inquiries be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. The information below details the affected accounts and inquiries : Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$6900.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$680.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1300.00} Inquiries : XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : #, XXXX, Account name : # XXXX, Account name : # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate and should be removed from my credit report
Product: Checking or savings account

One of my employees deposited a check. The same day a representative informed me that the check will not clear after the deposit was accepted. They immediately restricted my account and told me that they reserve the right to restrict my account if they believe my account is a high risk account that has performed a high risk transaction. This violates my rights as a consumer. They are now holding my money until XXXX XXXX. They have restricted my use of my account and are forcing me to close within the next 14 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 : Mailed a certified letter using the United States Postal Service requesting debt validation from I.C. Systems for account number XXXX ( documents pg. 1 ) ////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Debt Validation Letter received ( documents pg. 1 ) //////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Received Feedback from IC Systems and XXXX. XXXX XXXX provided no proof of debt and IC Systems indicates that : " We are terminating further collection efforts ... '' ( documents pg. 2 ) //////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : Put in a dispute with XXXX to have the debt removed from collections report number XXXX ( documents pg. 3 ) ////////////////////////////////////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// XX/XX/2021 : XXXX responds that even though there is clear paperwork indicating that IC Systems was terminating further collection that they were going to continue further collection?? ( documents pg. 4 ) ////////////////////////////////////// //////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////////// Resolution : The resolution is clear as it is in the paperwork provided to me, that I provided to XXXX, and now providing to Consumer Finance. This debt is not mine, it never was which is why it was removed from both XXXX AND XXXX!! XXXX XXXX hasn't provided any proof that this is my debt and IC Systems typed that it will no longer try to collect on this debt. Honor what was written or I will absolutely seek legal counsel and sue XXXX XXXX, IC Systems, AND XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report includes fraudulent information afecting my credit and social security, using different names, different addresses. Accounts for collection that they are not mine. I have reported to XXXX and TransUnion detailed of all those fraudulent information. These two companies and XXXX XXXX and other included did not want to remove fraudulent movements. 

I need your help to ask XXXX, TransUnion and all companies that included in my credit report and reported to XXXX and TransUnion to remove al fraudulent records in my account. They are affecting my credit report.
Product: Debt collection

LVNV Funding has been harrassing and targeting customers for previously paid debts and suing them even though they have proof the debt has been paid. I paid off a previous creditor, XXXX XXXX XXXX, through a settlement payment in XX/XX/2020. LVNV Funding and XXXX XXXX updated my credit to show that the account had been paid during XX/XX/2020. Today, XX/XX/2020, I received a lawsuit from LVNV Funding for an amount larger than was due although they knew in XX/XX/2020 the account was paid and settled! LVNV Funding claims their client, XXXX XXXX, is behind the suit, but that is not true. I have proof that XXXX XXXX settled the account before this lawsuit was filed. Furthermore, XXXX XXXX even issued me a new credit card in XX/XX/2020, so they showed their agreement with the settlement by doing this and accepting the settlement check. LVNV as attempted to sue me on EVERYTHING that was reported on my credit as bad debt. One time maybe, but 6 is overhaul. I believe that is excessive and shows that they are harassing me purposely. I strongly believe I am being harassed. They are violating the FDCPA. Please check into there collection and consumer targeting practices.
Product: Debt collection

Midwest Recovery Systems put something on my credit report for a payday loan I never took out. I received nothing in the mail and no attempt to contact me directly. It literally just showed up on my credit report this morning. There is no amount and no other information available. And after reaching out to the company itself, I still have not been given any credible information except that I would be able to pay over the phone with a credit card if I chose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID Theft since 2013 IRS, for the past year and a half I have also had to change my bank cards which is an awful inconvenience for me when paying my bills. I contacted the credit bureaus and the companies involved and ask for them to remove all negative items from my credit file. I mailed a copy of a police report to all of the companies and I am waiting for their responses besides actions. XXXX XXXX was excellent and responded immediately. I am waiting for Experian and XXXX besides the companies which I spoke with explaining my situation.
Product: Consumer Loan

I borrowed {$1500.00}, on a Title Loan from Title Max, XXXX, TN, on XX/XX/XXXX. As of XX/XX/XXXX, I have paid {$2000.00} ( {$570.00} over the {$1500.00} borrowed, - in 9 months ). Yet, the Merchant claims TODAY I still OWE- Balance - {$1000.00}, requesting a total -- SUM of {$3400.00}, -effectively Interest & Fees of -- -- - {$1900.00}, on a {$1500.00} -- 9 month loan ( exceeding appx. 700 % APR ), abusing State & Federal Laws..
Product: Credit reporting or other personal consumer reports

I find out a multiple late payments in my credit report by XXXX XXXX on all three major agencies. Experian, XXXX and XXXX. 

In accordance with the Third Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 0 2 states, " I have the right to privacy. '' 15 USC 1681 section 6 0 4 a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

under 15 USCS 1 6 6 6 b, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Mortgage

To whom it may concern, My client XXXX XXXX XXXX and I are very dissatisfied with the process in which Movement Mortgage provided for the transaction, located at property ; XXXX XXXX XXXX XXXX XXXX. XXXX, Movement Mortgage has failed to take accountability for the mishandling of XXXX XXXX file. XXXX XXXX set out to relocate to XXXX XXXX  from XXXX, by the end of XXXX and XX/XX/XXXX, the day before we were set to close XXXX XXXX XXXX and I were told, The loan was denied by XXXX XXXX XXXX, supervisor to XXXX XXXX XXXX, due to income, how is this so when that is verified initially. I entrusted our affiliated partner Movement Mortgage, to provide my client with exceptional service, in which they failed to do, Movement Mortgage, states 7-Day Process and how fast the file goes to underwriting, if this is so how did this happen and why is my client distraught/lost XXXX Earnest Money, XXXX Appraisal and XXXX Inspection, totaling XXXX. XXXX XXXX received a Conventional Pre-Qual letter on XX/XX/XXXX and I followed up with the loan officer XXXX XXXX to make certain that XXXX XXXX file was all set to move forward, prior to the beginning of the home search process, I was informed that XXXX XXXX file was all set to write offers. On XX/XX/XXXX we presented an offer on property XXXX XXXX XXXX XXXX XXXX XXXX and the offer was accepted on XX/XX/XXXX, at which the contract went binding and set to close on or before XX/XX/XXXX, and 25-day financing contingency. My client, the listing agent and I, had a rough time getting in contact with the Loan Officer, only when I saw the Loan Officer XXXX XXXX in the office he would inform me that he would reach out to the listing agent and my client, he assured me that the file was moving right along and would close prior to the anticipated close date, which was false. I would like for Movement to take accountability for the mishandling of XXXX XXXX, the entire process was difficult/stressful, from the improper verification of income, lack of communication, incorrect appraisal order FHA instead of Conventional. Attached are the documents used in the transaction. Please advise how you all would like to proceed. 



XXXX XXXX XXXX email : XXXX XXXX
Product: Credit card

Comenity/Ulta is purposely messing with my funds and livelihood. On a monthly basis I schedule my payment 3 days prior to it being due. Every month I get a returned check fee from them and my back which is an extra {$70.00} per month in fees. They take over a week to withdraw my payments when I have other monthly bills that come out like clockwork. 

Comenity is the only card I constantly have issues with and I know they do this on purpose to constantly charge me added fees. Not only have they hurt me financially but they keep decreasing my limit and it has also affected my score. You can see that my history shows clearly I submit payment timely before the due date and every month they make me out to be as if I don't pay my bills and then cause me to incur fees. This has got to be stopped and they should be investigated and shut down. I can't wait until I no longer have to deal with this card company. Never again!
Product: Checking or savings account

I was charged fees for two or more years for having less than a minimum in my checking account. Wells Fargo NEVER notified me via mail or email! I never received any statements alerting me of the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2015 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2015 XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Credit card or prepaid card

XXXX XXXX, 2023 Bank Of America 's app accidentally, instantaneously, and without ANY warning paid off my Bank of America credit card TWICE OVER by taking an extra {$500.00} ( {$480.00} ) out of my Bank of America checking account when 1 had already paid off the entire {$500.00} credit card balance a week ago. I spent four hours on the phone this morning getting transferred around and being given different phone numbers to call, then calling XXXX was finally told they'd refund my money in a few minutes and gave me a confirmation number XXXX Then the money was never refunded. So that late afternoon I called back, was again kept on the phone for over an hour being transferred around, and was mocked, snubbed, and was told by XXXX the " manager '' that he doubted my story, even though he could see the facts of the overpayment on my credit card and withdrawal from my checking right in front of him. Instead of having a XXXX balance, I have an OVERPAYMENT of about {$500.00} on my credit card. Then they said there's NOTHING they can do about it to refund my checking account today. They say that, although they transferred the money OUT of my checking account instantaneously, that it will take them TEN DAYS to put the money back. My checking account has been completely drained by their mistakes. 1 don't have ten days to pay my other bills due now! And, they say if I were to just go to the ATM and withdraw the extra funds from my credit card, they would actually CHARGE me interest and cash advance fees on it!!! This is criminal behavior. Why can Bank Of America get away with this? Why don't they have to pay ME interest. 
cash advance or overdraft fees?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of 30 days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that needs to be remove in my credit file right away : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a debt buyer of an old payday loan account that was included and Discharged in my past bankruptcy in XXXX. The bank that I was with when I got this payday loan was also included in my last bankruptcy and is discharged successfully. 

However, this creditor keeps calling all around to my family members houses, they call their cell phone numbers, and on their XXXX accounts, as well as mines EVERYDAY while trying to collect their {$XXXX}. 

I have reported them already to the FTC, and to the local police. They have been posting this debt on my credit report every month since XX/XX/XXXX. This debt has caused my credit scores on all of my credit reports and made it impossible for me to obtain fair credit to purchase a house, buy a new car, or obtain a loan, or anything based on credit. Indeed, this is a scam, discrimination, harmful to me personally, and to my credit reports. I pay all of my bills on time. 

I have disputed this creditor with all the credit bureaus and asked them to remove it, but they won't.
Product: Money transfer, virtual currency, or money service

I sent money through Paypal on XX/XX/2018 at XXXX. Later that day they said they are reviewing it and could take 72hrs. Its now been 4 days and counting, nothing has been released, the {$13000.00} has been out of my account since XX/XX/XXXX and no one answers my emails nor do they have an answer as to why my money is not available to the recipient or at least refunding my money. 

I even had a PayPal concierge send me an email stating it would be released in XX/XX/XXXX by XXXX. That too never happened. 


They said email XXXX they will respond. Its been 4 days now and no once has at least acknowledged one of my 5 emails I have sent. 

PayPal Transaction ID : XXXX
Product: Checking or savings account

I was in the process of purchasing a XXXX property from a reseller. put the deposit of XXXX XXXX down then the deal became ridiculous. Amounts owed change timelines were rushed and nothing was as it said. The deal fell through. I disputed the XXXX with my bank Chase. Chase temporarily gave me credit and started the investigation in XXXX XXXX XXXX, then today the credit was reversed, and they are stating that the merchant supplied evidence that it was completed. Not only do I not own the property but now I am out XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries listed on my credit report. After reviewing my credit report, I have identified inquiries that I did not authorize, and I believe they are adversely affecting my credit score.

The unauthorized inquiries in question are as follows XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX Please investigate these inquiries as soon as possible and remove any that are not associated with my direct permission or consent. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that incorrect or unauthorized information be removed from my credit report. I request that you promptly update my file to reflect this dispute.