23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The previous page on this form would only allow me to add one issue. Therefore, I am adding it to this section. I have two problems : privacy law, debt balance, and payment. 

First issue : On XX/XX/2023, Navient contacted my husband, children, and job regarding the student loan debt. The Navient representative left a detailed voice message regarding my student loan to those I mentioned in the previous sentence. According to the privacy law, Navient violated my rights by telling others who have no financial obligation about my debt. This is not the first time Navient has contacted others regarding my student loan debt. My job does not allow personal calls and emails. I told them previously on the phone not to contact those persons and recently sent an email for them not to contact others regarding this debt. I do have those voicemails and the email Navient sent. 

Another issue regarding this student loan debt, Navient has increased the total amount that they say I owe. I have been paying on this debt for years, and there has been no decrease in the balance. I do not get a bill stating how much I pay monthly and whether the total amount decreases. Every time I sign up at the end of the six months to get a low monthly payment, the amount increases by at least {$50.00} or more. I need assistance finding out why my payments continue to rise, and I will never finish paying off this debt. Navient says they are here to help, but I need to see how they are helping me. There is no way the total {$26000.00} increased to {$71000.00}. I have talked with Navient representatives numerous times regarding this debt 's payment amount and balance. This is never ending debt that I will never pay off. Navient is increasing payments, getting more money from me, and putting in more debt. It will never stop with them. I feel like they do not care that they put people like me in debt and struggle to pay them. This needs to stop.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I went to make my payment last night ( XX/XX/19 ) to Paypal Credit. The balance was wrong. I had a charge this month for {$690.00} with 6 months same as cash. The only charge on the account ( XXXX ) was the {$690.00} but when I logged in to my account it said the balance was {$720.00}. Wrong Balance. I made my payment which was on time but at the time of payment their help line was closed. So, I called this morning and asked why I had the wrong balance. I was told it was a late fee ( {$28.00} ) that will be removed when my payment is credited. 
I WAS NOT LATE! Paypal credit added the charge before the payment was late. This makes this fee a fraudulent charge. No one can legally apply a late charge for an account that is not late. 
I believe the charge will be removed but I also believe this is Paypal creating a fraudulent charge that should be reported.

Paypal Credit is out to create an out of time charge. This fraudulent charge might only take each consumer for pennies but for a company the size of Paypal could quickly add up to big money. 
Please look into Paypal Credit and stop these fraudulent fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

My federal student loan was officially forgiven on XXXX. XXXX reported on XX/XX/ that I have student loans on my credit reports which showed up today. 

I called today and spoke to a XXXX representative at XXXX pm. They have me on administrative forbearance and have not yet completed my forgiveness. They claim it is on the US Department of Education as the hold up. 

I then chatted online with studentaid.gov at XXXX pm about the reason why my loan has not been processed. My transcript is here : Hi, my name is XXXX. I am reviewing your question and will help you momentarily. 
XXXX thank you XXXX PM That is not something that the website would approve, that would be something that would be approved by the US Department of Education. 
XXXX XXXX PM so what does that mean? 
my loan amount is {$0.00} on my dashboard That you would need to wait for the approval of the loan forgiveness from your loan servicer. 
XXXX the loan servicer says they are waiting on you XXXX PM I have a letter from my servicer saying my loans are forgiven XXXX PM Okay are they showing that they are forgiven on their website? 
XXXX XXXX PM I have all zeros, except for my loan status being in administrative forebearance XXXX PM XXXX said they are waiting on you so they can finish the processing XXXX PM That is something that your loan servicer would handle. 
XXXX PM I just spoke with them and they said it is you. 
Your loan servicer would have to release that forbearance. 
XXXX PM If I do not get a resolution to this I will be contacting the Federal Trade Commission Bureau of Consumer Protection and my Senator and Congressman. This needs to be resolved and no one knows an answer. 
XXXX PM That is fine if you feel that you need to do that, I have advised that your loan servicer is the one that would handle that loan forgiveness for you. 
XXXX Ok. Thank you for the information. 

Please advise what I do to resolve this issue. 

Thank you, XXXX
Product: Credit card or prepaid card

I have been a loyal Chase customer for the last decade, and have two credit cards with Chase, including a Chase Sapphire Preferred Card. I always pay it on time, I use it frequently, and it's yet the card that is punishing me with a tremendously high APR of 24.99 %. I called up and got cavalier and nasty client 'relationship ' representatives who were not able to budge on the APR, despite the fact that all of my other credit cards were. I have done a good job of increasing my credit scores, I have no bankruptcies, leans or anything that should be allowing Chase to punish me, and yet they are not willing to budge. They tell me that there's nothing they can do, that it goes through periodic reviews, but that I can not ask them to lower it, and they're quite nasty about it. I have never heard of such a thing. My other credit cards lowered my APR over the phone by at least 10 %, and Chase isn't willing to come down at all.
Product: Debt collection

To whom this may concern, Vance & Huffman are reporting a debt that I do no owe and there reporting XXXX and the letter XXXXthat they sent over to the CFPB shows a different amount of {$550.00} this is not my debt and I need this to be removed from my credit report. They haven't shown any proof that I owe them directly they have not validated that I owe any loans with them. I need for this matter to be investigated and for them to remove this erroneous debt from my credit report.
Product: Debt collection

I just feel so disappointed big banks like XXXX are ripping poor people like me. I tried so hard back in 2016 to get hold of someone in XXXX to resolve this matter. What 's sad is this real time resolution reported delinquent note is post closing of property with XXXX balance? I do n't even think that 's in compliance. I had XXXX mail me this note after closing to sign and they even told me they forgot to get my signature at closing. And with advice of my coworkers at XXXX XXXX that any balance should have been disclosed at closing, I just discarded the 3 notes they repeatedly sent me to my apartment. Then after a few months I started getting calls from real time resolutions for {$2000.00} note. I received written notice after they reported it on my credit. When I asked them for proof of signed docs they sent a doc with my signature! But I did n't sign that for sure. When I finally got hold of someone in XXXX short sale dept they said they had mailed the {$2000.00} cashiers check paid by me at closing back to XXXX XXXX XXXX. When I asked them why would they do that, they said a lady called in as me ( identity theft ) on the phone to send the check back and since XXXX did n't know where to apply the {$2000.00} cashiers check that was pd at closing, they mailed it back! HOW DOES A BANK NOT KNOW WHERE TO APPLY A CASHIERS CHECK THAT WAS COLLECTED AT CLOSING > THAT CHECK SHOULD NEVER HAVE BEEN SENT BACK. I remember signing a {$2000.00} check for my ex-husband from XXXX and at that time, I thought it was some escrow acct balance refund because I never expected this stupidity on the bank side.
Product: Debt collection

I am being asked to pay {$3800.00} and I only owe {$1100.00} for my last month of rent.
Product: Credit reporting or other personal consumer reports

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Credit Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/18 I received a call from YCCS at the number XXXX. When I returned the call they demanded highly sensitive personal information but would not tell me who they represented or why they were calling. When I finally got them to admit to what they were and what service it was, they transferred me to another employee who, again, would not tell me the purpose or details of why they were calling. 

They demanded, without notifying me as to why : Full legal name Full address Any previous addresses Telephone number Partial Social Security Number and various other demands just to explain as to why they were calling so that I could even say if the phone number they called me on was the person they were looking for. 

They gave, even under repeated questioning as to the purpose of their call, zero answers or indication as to why they were calling. 

They also never sent me any written validation statement as to me owing any debt, as again I believe this call is a mistaken identity and in error, and only continued to demand I reveal my full legal identity and many other personal information points to a level of harassment that would constitute a scammer trying to swipe my identity.
Product: Bank account or service

banking promotion is not applied although all conditions met, incorrect information relayed through secured messaging. At times I 'm referred to their internal marketing area? not sure why I need to contact them. Requested escalation and referred that I visit the local branch which is not convenient to visit -I commute for work.
Product: Debt collection

XXXX XXXX Account # : XXXX XXXX XXXX XXXX I am writing in response to several debts listed on my credit report because I do not believe that l owe what you say I owe. 
Conducting sham investigations that fail to properly address consumer disputes is against FCRA laws when handling disputes. XXXX uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. XXXX routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when XXXX has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, XXXX sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. I respectfully request in writing the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) : Show me that you are licensed in my state, and provide me with your license numbers ( if applicable ). 
Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : You can not add interest or fees except those allowed by the original contract and state law. 
You do not have to respond to this dispute except to tell me that you either intend to cease your collection efforts or to pursue other legal means of collecting this debt. 
Should you pursue a judgment without validating this debt, I will inform the judge and your case will be dismissed based on your failure to follow the FDCPA. 
Any attempt to collect this debt without validating it, violates the FDCPA. Be advised that I intend to record all phone calls, keep all correspondence and will not hesitate to report violations to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them this debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. 
If you do NOT own the rights to collect this debt, I demand that you immediately send a copy of this dispute letter to the original creditor that you say I owe money too so they are also aware of my dispute with this debt. 
Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My father purchased a car for me back in XXXX. We opened a car loan with XXXX XXXX XXXX. My father died in XX/XX/2006 and while putting my name on the car loan and removing his name, they marked us both as deceased. I now have no credit score through Equifax. I have tried filing disputes through the agencies and the information comes back as " in good standing and correct. '' I have tried calling XXXX and after several months of them trying to un-archive my account, I was told my name and information had been deleted from their database. They did not fix their issue by marking me as " living '' but deleted me entirely. Now when I call, they can not locate me or my case. I can not get a loan, a credit card, basic utilities in my name due to this mess. I have contacted a lawyer who didn't want to touch the case. What do I do? 
Thank you! 
XXXX
Product: Debt collection

On XX/XX/22 my credit report agency notified me that I had a negative account change in my credit. I looked and I was in collections with an agency called Online Information Services for {$520.00}. I then saw that this agency reported this to XXXX on XX/XX/22, reported it to XXXX on XX/XX/22, and reported it to XXXX on XX/XX/22. It was for an energy company in Texas. I have never lived in Texas nor did I ever give my consent to anyone to use my information to open an account under my name. The Energy company 's name is XXXX XXXX. The account number for this person is XXXX XXXX XXXX. I found out that the person used my social security number to open this account and used my name. The number associated to this account is ( XXXX ) XXXX. On XX/XX/22 I filed a police report but do not have the report yet. The report number is XXXX. This is the second time that this has happened to me.
Product: Money transfer, virtual currency, or money service

It was brought to my attention that someone has been sending or uploading cash through XXXX XXXX to a person or company I have no ties with. I reached out to XXXX and provided the name that shows up on the transaction history and advised them I have no knowledge of this company. I filed a fraud claim and explained to the representative that I believe my card information was saved at a fast food restaurant and they began to make several withdrawals from my account. In one day they hit my account 2 times. I was never even notified of the withdrawals. The bank gave me a temporary credit and then took it back and advised they found no error. They could have contacted XXXX and discovered that the XXXX XXXX name is in no way shape or form tied to me in any kind of way. I have reason to believe it happened at XXXX XXXX mile away from my house.
Product: Debt collection

Sa-vit collection agency has reported as of XX/XX/year> that I owe {$530.00} in unpaid medical debt. I have medical insurance and have always had it. I rarely have co pays so I have no idea where they are getting this balance from. I was never reached out to about this debt. Im pretty sure an administrative error occurred and my insurance was never processed. Instead of these employee doing the correct thing and submitting a claim through insurance, they are trying to get me to pay them hundreds of dollars. The original debt is from XXXX XXXX XXXX which the only thing I could have received was bloodwork. My bloodwork costs me nothing or XXXX dollars with my insurance so its very clear something sketchy is going on with these companys.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need your assistance in getting these 2 XXXX  XXXX XXXX accounts removed from my Experian credit report. I have submitted all of the requested documents ( proof of address, State ID, and Social Security Card, Police Report, and Federal Trade Commission Identity Theft Complaint ) to Experian. I feel as though Experian is being defiant of the rules and laws of the FCRA. These XXXX  XXXX XXXX accounts do not belong to me. These accounts were opened as a result of identity theft. I have been disputing this account for the past 12 months. My next step is to sue Experian. I have proof that I have made every attempt to rectify this matter within the last 12 months. This is my last attempt to rectify the removal of these 2 XXXX accounts before I seek legal assistance.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed fraudulent accounts on my report XXXX XXXX XXXXXXXX is not my account and need to be remove from my report immediately. 

XXXX, XXXX XXXX XXXX is not my account and need to be remove from my report immediately. 
these fraudulent accounts are hurting my credit and my personal finance and need to be remove from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card is showing me as a secondary on the account although I DO NOT have a card, do not know the credit card number or the account number and have never used the card or even had access to a card associated with this account. The card was opened in XXXX by my then fiance. I assumed that when the account appeared on my credit report it was showing in error so when I filed bankruptcy on XXXX I included what card info appeared on my credit report for this account which basically amounted to the card name and address of the account. I recently used XXXX XXXX to check my credit and was surprised to see XXXX  still reporting the card as mine so I called the credit card company on XX/XX/XXXX to ask how to go about removing the info from my credit report and I was told that I was a secondary on a joint account and that I could not remove myself. I was also told that adding it to my XXXX bankruptcy did absolutely nothing to rectify the situation because I was not the primary card holder on the account. The primary cardholder keeps his balance very close to his credit limit and in turn it shows on my credit as using a very high amount of the credit available to me which I dont think is fair to me seeing as I did not use the account to incur any of this debt that I am now being told I could be held responsible for with no way to remove myself. I'm being told that this is possibly a form of identity theft seeing as I was never consulted by my then fiance about opening this account jointly. And I am also being told that since I am only a secondary I may not have as many rights in working toward a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I have been disputing several accounts with this company and I submitted proof that they are reporting false, inaccurate information. I showed them what the three credit bureaus are displaying and showing them that the accounts are not 100 % accurate. I have sent them several letters and month after month they reply that they " verified it as accurate '' or that the accounts belong to me without supplying the proper documentation. I told them that e-Oscar  and automated responses are not acceptable forms of verification and keep asking them for viable proof, such as a contract bearing my signature ; and still, with all the proof I have submitted disagreeing with them, they refuse to delete these erroneous accounts or to provide why they believe they are reporting accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy 's has reported an hard inquiry that was not authorized in XXXX 2020 that has my SSI number incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately :
Product: Student loan

I was going through process of student loan forgiveness during Obama years. I was signed up, but Navient representative told me " they '' were offering a better program and that my loan would be forgiven due to low income. They advised me not to sign up for the Obama program, but to stay with Navient, as the Obama program was not a good choice for me. I panicked and canceled my application. Then, realized that I had been given false and misleading information. I was upset, embarrassed, and now I can not believe I listened to Navient! I have been XXXX  for 20 years. I XXXX and work for XXXX. I do not make enough money to pay my loans. I am on income based payments. I feel like I am in a financial trap and wish I had signed up with the student loan program during Obama.
Product: Payday loan, title loan, or personal loan

On   XXXX    XXXX , 2017 I paid my conns account in full on the phone with a customer service rep in the amount of  XXXX . This company has yet to close my account and this has caused several negative marks to be placed on my credit report. I 've been in contact with conns everyday asking them to close my account and to remove the credit markers. They 're offline department has admitted fault and told me my payment was not applied to my account because of the rep error. Customer service has yet to close my account and they keep telling me the account is processing for closure and it could take 3 billing cycles. Mean while I incur more negative credit markers. Please help me resolve this matter.