23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In 2019, I received ( what I now understand to be a predatory ) marketing email from NaviRefi offering to lower my monthly payments. My government student loans at the time were being serviced by Navient. I assumed this was the same company and that I was simply adjusting my payments down during a difficult financial period for my family. 

Two years went by with me making monthly payments. Each tax season I would receive ONE student loan tax form to submit with my taxes from NAVIENT - again reinforcing my belief that these loans were still in the federal program. 

I have been working as a school teacher for 20 years. I remained hopeful that one day I would make enough payments for loan forgiveness ( yet each time I had applied for Teacher loan forgiveness there was yet another hurdle to jump through and the process became exhausting. ) I had no reason to move my loans out of the secure government servicer program. They had remained IN the federal program for 20 years as I made regular monthly payments. 

When Biden announced the Temporary PSLF program, I applied and was told I had to consolidate my eligible loans. I was shocked to learn that my loans had been moved to a private program within the same company that serviced my federally secured student loans. 

I complained immediately and relentlessly. NaviRefi said that I signed a document acknowledging I would lose all federal privileges. Not only do I have no recollection of doing so, according to their own documentation - I spent less than 4 minutes signing their disclosure form. 

Two of my smaller loans have been canceled through the XXXX program- yet I was scammed out of student loan debt relief by the very servicer the government authorised to service my loans. 

When this site requests the name of the company to file the complaint against there is no NaviRefi but several iterations of Navient. How am I supposed to know which one? ( Screen shot attached )
Product: Money transfer, virtual currency, or money service

{$5500.00} was hacked out of my XXXX XXXX XXXX account through cashapp on XX/XX/19 at around XXXX. I had {$47.00} dollars on my cashapp account and that was sent to my bank than they withdrew {$3000.00} dollars and then another {$2500.00}. They used these funds to purchase XXXX and then sold the XXXX the very next day. They then sent the funds to a XXXX XXXX XXXX XXXX account. I contacted cashapp multiple times and have yet to receive a response. I filed claims with my bank and they do not believe me. I have but no choice but to submit a claim here. If any additional information is needed please feel free to contact me.
Product: Credit card

My credit card bank checks were stolen from my mailbox. 
Someone used one of them and cashed at a bank for {$14000.00} not associated to the credit card company that issued the checks. That bank processed it even though they held the check but released it after 7 days. The bank then charged another {$440.00} check transaction fee. Total damage {$15000.00} in credit card fraud. 
My credit card company has no feature to block any transactions over 'x ' amount of dollars. It could have been prevented if they had this feature
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing to formally contest the inclusion of fraudulent accounts in my Equifax credit report. Despite submitting a dispute letters and the required documentation to the Federal Trade Commission ( FTC ), as per your guidelines, this accounts persist on my Equifax report. After uncovering these fraudulent accounts, I contacted the relevant companies, which acknowledged its fraudulent nature and assured me of its removal from their records. Subsequently, XXXX and XXXX have both expunged these accounts from their records after verifying its fraudulent status. I am puzzled as to why Equifax continues to report these fraudulent accounts, especially since the other credit bureaus have already removed them. I have completed all necessary steps and furnished all relevant documentation to substantiate my claim of identity theft. I hereby request a comprehensive investigation into this matter and the immediate removal of these fraudulent accounts from my Equifax credit report. The companies have confirmed the fraudulent nature of these accounts, and its persistence on my credit report is unjustified and detrimental to my creditworthiness. 

XXXX XXXX XXXX
Product: Debt collection

Company has failed to provide requested documents to validate the debts they seek to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is not going on 90+ days since I have opened a dispute with Transunion , XXXX , XXXX  XXXX. 

I demand that these agencies deletes these negative and fraudulent tradelines from my credit profile. This has gone on for far too long. 

I had a CFPB complaint submitted on XX/XX/XXXX, and here we are 30+ days later and there still has been no change or updated to my consumer credit profile. 

Previous disputes : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed about three things in my credit report and within a week equifax closed my dispute with no further explanation. After requesting documentation I got no further response.
Product: Debt collection

I'VE BEEN DISPUTING AN ACCOUNT THAT RECENTLY APPEARED ON MY CREDIT REPORT THAT I BELIEVE IS PART OF MY IDENTITY THEFT CASE FROM EARLIER LAST YEAR AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. IT KEEPS COMING BACK SAYING VERIFIED BUT I DON'T KNOW HOW IF IT'S NOT MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

Collection Creditor : Phnx Finan / PHOENIX FINANCIAL SERVICES LLC Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 
Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information )
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXX XXXX & XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I was involved in a fraudulent scam where I received a phone call from someone impersonating a XXXX XXXX sheriff. I ended up being scammed in to submitting {$3000.00}. I have tried contacting Wells Fargo about this, I have filed a police report with the XXXX XXXX Police and the XXXX XXXX Consumer Protection. NOW, it turns out the person who scammed me is actually serving a life sentence in prison in Georgia. He somehow opened a bank account in XXXX of 2022. So now the FBI is aware of the situation. I have reviewed the EFTA Regulation E as well as the CFPB and I have also had a Lawyer review these documents. It is made clear that Wells Fargo is violating the EFTA and CFPB by not refunding the {$3000.00} to me given that this was a fraud and a scam. I am asking that Wells Fargo refund the {$3000.00} and THEN WELLS FARGO can go fight with XXXXXXXX XXXX ( the scammer 's bank ) to find out how this person was able to open a bank account from prison and get {$3000.00} back from XXXX and/or the prison inmate.
Product: Credit card or prepaid card

COMPANIES INVOLVED : XXXX, WELLS FARGO, XXXX, XXXX, XXXX Personal credit cards were opened in my name under identity theft. The XXXX XXXX   was opened around XX/XX/XXXX and the Wells Fargo card was opened XX/XX/XXXX. I found out about them from XXXX credit monitoring and contacted the companies directly to close the card. I am in the process of freezing my credit to prevent this from happening going forward. I would like these removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX AFFIRM INC ACCT NUMBER : XXXX  XXXX # XXXX. I've called personally and confirmed this account was outdated but still reporting to the account. Was told that information will be deleted due to this fact. To date, has not happen.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Inquiries Dispute Good Evening, I recently reviewed my credit report and discovered several unauthorized inquiries from the following companies that I did not authorize. These inquiries are fraudulent, and I am requesting their immediate removal. The details are listed below : 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 XXXXXX/XX/XXXX Please let me know if you have any questions or need further clarification. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and I cant figure out how they got there. I check my credit regularly, but this time there were unexpected errors. I even refreshed my browser thinking it was a mistake, but the discrepancies remained. Because of this, I urgently request that the documents Ive provided be carefully reviewed so I can finally stop worrying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax : Please see below and attached for documents. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX - XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXN XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report. 

I would like to request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry.

In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 61XXXX.
Product: Mortgage

I asked for a forbearance during my application process for XXXX and got approved for 6 month to pay half my mortgage as I did when i was done they put me in a modification for the same amount I was paying and for 40 yrs not giving me any other options I later learned they were supposed to ask for the difference I didn't know what I signed due to heavy meds and they have robbed me of a mortgage for 30 years I have paid on time for ten years its not fair what they did to me. That's Nation Star mortgage now called Mr Cooper and it was about 10 years ago. i just found out my Atty Generals office and all 50 states sued for about 80 million dollars they had my info and never contacted me. this has caused me severe XXXX I cant sleep at night and till this day I struggle to keep my home. Please help me...
Product: Vehicle loan or lease

I completed a loan process through XXXX XXXX  to pay off the lease end amount from Kia Motors Finance in XX/XX/XXXX. It is now XX/XX/XXXX and to date I still have not received the title from Kia.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credt 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, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 1 looked at my XXXX credit report on XX/XX/year> and noticed some things are Incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report & shall follow reasonable procedures to assure maximum possible accuracy of the information conceming the Individual about whom the report relates according to 15 USC 1681 ( eXb ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generalit, ater any reinvestigation under paragraph ( 1 ) of any information disputed And according to 15 USC 1631i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( Ajin generalit, afer any reinvesfigation under paragrach ( 1 ) of any information disputed by a consumet, an bem of the information is found to be inaccurate or incomplese or can not be verfied, the consumer reporting agency shan.- ( promply delete that item of information from the file of the consumer, or modity that tem of information, as appropriate, based on the results of the reinvestigation ; and ( " promptly notty the fumisher of that information that the information has been modfied or deleted from the tie of the consumer and according to 15 USC 16818-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency il the person knows or has reasonable cause to bebeve that the information is inaccurate
Product: Debt collection

On approximately XXXX XXXX, 2015 I mailed in a payment of {$120.00} to Afni Inc for collection account XXXX. In my envelope I included with my payment, a letter stating the following : '' Dear Afni : I 've included a payment of {$120.00} for the above mentioned account. By accepting and cashing said payment, you agree to delete your listing/tradeline regarding the above mentioned account from my credit report and you will notify the credit bureaus accordingly. 

If you do not agree to delete your listing/tradeline regarding the above mentioned account from my credit report, please send this check back to me at the address found above. 
Regards, XXXX XXXX '' In addition to the information above, I wrote on said check on the memo line : " By cashing this check you agree to the deletion of acct # XXXX " On XXXX XXXX, 2015, Afni Inc deposited my check into their bank account thereby agreeing to the terms of the letter as well as the terms written on the check submitted. 

On XXXX XXXX, 2015 I called into Afni after seeing in my bank account that my check had been cashed, to confirm deletion of the account on my credit reports. The customer service agent was not able to help me at the time and no supervisor was available to discuss the matter with me directly so, I left a VM for return call. I had received no call back so I called again on XXXX XXXX, 2015. Again the agent on the line could n't help me and no supervisor available to discuss so, I leave another VM for return call. On XXXX XXXX, 2015, I place another call into Afni Inc since no return call and I find that they have released a payment back to me and my account is now showing not paid. This is certainly not the case since I have a copy of my cashed check from my banking institution showing the withdraw of funds from my bank account from Afni Inc .
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX   XX/XX/XXXX CFPB XXXX XXXX XXXX XXXX, IA XXXX Dear CFPB : On XX/XX/XXXX, I received employee instructions for a garnishment/ earnings withholding order from my HR department from an attorney out of California representing XXXX XXXX , XXXX. , much to my surprise. After freaking out about my livelihood being threatened, I called the attorney of record and spoke to XXXX XXXX at XXXX. She said I could modify the amount that is to be taken from my paychecks but I told her this was not my debt, I did not know who the company was nor did I know that the debt/ judgment existed! I have lived in Nevada since XX/XX/XXXX so I was never served any paperwork on this debt nor have proof that the suit was ever published in any newspapers to notify me of the debt. 
There are a few issues that need to be raised : 1. I never received debt validation, as I was unaware of this judgment until a few days ago, so I request full debt validation with original application signed etc. 2. This judgment is not on my credit report nor has it ever been so I was unaware of its existence. 3. The judgement /garnishment order was served across state lines without proper domestication of said judgment in Nevada from California , which is illegal. See NRS 17.330-17.400 attached hereto. 4. XXXX XXXX refused to provide debt validation as I kept telling her this was not mine I had not idea what it was. 5. Upon a phone call to the attorney about violating the above laws, they sent a termination of withholding to my HR department. 6. I would like to file as many complaints as there are issues with this situation so that they do not do this illegally to anyone else! I want them to be fined and that they be held accountable to the maximum limit of the law and the judgment to be thrown out! 7. I want monetary compensation for the illegal activity on their part and my rights that they have violated. 
XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I would like to file more complaints but was unsure how to choose more than one violation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX
Product: Debt collection

On XX/XX/2018 a Affidavit of Truth ( Fact ) was mailed via certified mail : XXXX XXXX XXXX XXXX XXXX. It was received XX/XX/2018. SOUTHERN MANAGEMENT CORPORATION is demanding that I pay {$720.00}. According to UCC 2-201 ( 2 ) silence under Tacit Consent. They were given 21 days to respond to rebut the facts point for point law for law. They have not rebutted the facts. The third party witness is my public notary. SOUTHERN MANAGEMENT COPORATION actually had two months to respond and still acquiescence by silence and Tacit Consent. Default Judgement dated XX/XX/2018 was mailed certified mailings : XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. After submitting the Default Judgment I received only a XXXX XXXX XXXX XXXX  Fraud Affidavit with only ten days to respond. This affidavit did not rebut any facts in any way shape or form. Nor does it have any laws rebutting my Affidavit of Truth ( Fact ). On XX/XX/2018 a Certificate of Commercial Dishonor has been submitted to the court for filing. The mail they sent it in is Fraudulent Mail with electronic stamping, my name has no FKAs, AKAs, or DBAs I don't know who that person is. Nor do I know there intent and I do not wish to contract with them. Nor have I consented to contract with them. All my affidavits have been signed and notarized by a public notary. The filing for this has been mailed to XXXX County Superior Court in XXXX, Georgia with the county clerk. The county clerk has been submitted her Oath of Office if the Affidavit is not filed when received, please see book 1 pages 435 - 436. I also have filed a Power of Attorney in Fact please see Book 1 Pages 437 - 438 these were filed in the Real Estate Office of the court. Proof will be attached here as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXXXXXX XXXX ) mistakenly placed a 30 day late payment on my account. XXXX XXXX fixed the mistake two weeks later XX/XX/XXXX. My credit report was negatively affected by XXXX points. The issue has been disputed with XXXX three times and nothing has changed. XXXX XXXX XXXX has done everything they can do on their end.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Experian Credit Report.

15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or mail in a fraudulent account. 
I demand to use verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the amount listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/accounts. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately : 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 In addition, DELETE all non-account holding inquiries over 30 days old. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of re-investigation. 

Thank you, XXXX XXXX