23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Navient is reporting one private student loan to the three credit bureaus as a " charge off '' with a balance and an amount past due when it can not report this way. Furthermore, they have attempted to have three different collection agencies collect from me even after repeated written requests to Navient and each agency ( XXXX, XXXX, and XXXX ) for debt validation. None of the companies have provided debt validation or accurate reporting of supposed debt and yet Navient continues to attempt collection and report the debt. I am requesting a full deletion of this account from all three credit bureaus for the aforementioned reasons. I am requesting that they cease any and all communications or attempts at collecting a debt that has not been properly validated or reported.
Furthermore, there are two other private student loans that they report as joint with XXXX XXXX. They are reporting these inaccurately and have also failed to provide debt validation or accurate reporting of supposed debt. I am requesting that they cease any and all communications or attempts at collecting these debts that have not been properly validated or reported. I am requesting a full deletion of both of these accounts from all three credit bureaus for the aforementioned reasons.
Product: Debt collection

I have reached out to this company called Professional Debt Mediation, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and spoke with a man named XXXX XXXX back in XXXX XXXX 2015. I have spoken with this man over the phone and through email and he has been very unprofessional to me and rude through both phone and email. I have provided them with signed documentation from the apartment complex called XXXX XXXX XXXX XXXX in XXXX, FL, and he still refuses to correct my debt. I have already paid them a little over {$400.00} and I stopped payment until they made their corrected actions. How do you expect to collect a debt from someone when you proceed to be rude and vulgar with them? I have documentation and email communication with this man to prove my case. 

According to Better Business Bureau ( BBB ), this  company has had 104 total complaints since 2015 for billing/collection issues and has a " F '' rating overview. I have been trying to work with them for the past few years to correct the total cost of what is owed and they keep denying my claim, ( even though I am presenting physical evidence ). This is completely unacceptable and is one of the main reasons to cause my credit to fail with a low score. I have sent money to their client directly because I refused to work with them and XXXX told me that their client claims to have never received it. I provided them proof that it was accepted and delivered and the money was basically stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry to my consumer report. On XXXX XXXX, 2021 Santander consumer USA, Inc obtain my XXXX consumer report without my authorization or a permission. I do not recognize this inquiry or any accounts with this company that is listed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to this company twice in order to settle this debt with no response or acknowledgment that letter was received.
Product: Credit reporting, credit repair services, or other personal consumer reports

in 2014 my information was used at a hospital for treatment. I submitted a dispute with Equifax explaining that in 2014 i was in XXXX and couldnt possibly be in a hospital. Equifax did not complete an investigation to verify if i was in XXXX, only submitting to the collections company to verify my info. This investigation took longer than 30 days and i did not receive anything back. i called back requesting this be removed from my report and was told they are not allowed to remove data, the only thing they can do is submit another dispute. Agent XXXX # XXXX admitted to not investigating my claims.
Product: Credit card

On XX/XX/XXXX I made an online purchase for fertilizer. When I did not receive any tracking information, on XX/XX/XXXX I emailed the vendor inquiring about my order. I received no response. I never received the fertilizer, so, I filed a disputed charge with Wells Fargo since it was their card I used. I received a response that rejected my dispute. I sent a XXXX  request on XX/XX/XXXX for them to review the decision and received another rejection. I wrote a letter to the Operational Initiatives Manager, XXXX XXXX, on XX/XX/XXXX and received another rejection. 
I believe all Wells Fargo had to do was have the vendor provide verification that the order was shipped. I have never received what I ordered, no communication from the vendor, and nothing but rejection from Wells Fargo.
Product: Mortgage

On XX/XX/XXXX I filed bankruptcy, there were fees that were not removed from my billing statement. I have tried countless times since then to have them removed but the Lakeview Loan Servicing refused to do so. I was told that they would look into it and never received responses. It has showed on every single statement since that time with no correction. 
On XX/XX/XXXX due to XXXX I had to file another bankruptcy and still the Lakeview Loan Servicing refuses to remove it. Any attempt to call results in another department needing to handle it, said department states theyll look into it but never resolved it. 
Almost 9 years of seeing fees that should have been removed. Bankruptcy in itself is strenuous, the stress lasts and never lets up and to see fees that should have been removed in XXXX creates even more stress. I have to continually live in fear that if I argue with them they will attempt to sell my home leaving my family and I XXXX I make my payments on time every month and have to look at this fee continuously, trying to avoid it like a plague. This is my final resort and all I can do is pray that its removed without the company holding it against me and attempt to take my home.
Product: Debt collection

I found on my credit report that I had been filed against from my doctors office. I was never aware of any balance my insurance always took care of everything over my copay. If there was any bill that I needed to pay, why was this not collected at the time of my appointment. Why was I not informed that my insurance wouldnt be covering it anymore.
Product: Credit card or prepaid card

Received 2 emails claims they are going to close my Amazon -chase credit card. 
And want additional information My acct is fine!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted documents of proof of payments and proof of merchants stating the accounts have been paid as agree and Equifax will not remove duplicate inquiries or collections that have been paid and or disputed. In turn for this reason they will not raise my credit score which is reflecting that I am a high risk or have a high number of unpaid accounts or late payments.. None of which is true.. I have not been able to get approved for a loan or I am only offered high intrest rates and I have to have my credit pulled in order to be reviewed which in turn lowers my score.. I have submitted request in wirting to all three angencies, requesting at least remove the duplicate hard inquiries from my report which should bring my score to at least 700-720 none of which has been done.. I have paid off loans and I also have a 21 % debt to income. I have lost grant money due to Equifax unfair and inaccurate reporting..
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my XXXX XXXX and needs to delete immediately : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a letter requesting that inaccurate accounts be investigated that were showing on my credit report. It's been 2 and a half months and I still haven't received a response.
Product: Mortgage

My daughter and I have a mortgage serviced with United Wholesale Mortgage located at XXXX XXXX XXXX XXXX XXXX. Ph : XXXX. We opened this is XX/XX/XXXX. My daughter moved to XXXX and shortly after opened up a local bank account with a local credit union. She got the accounts mixed up in XXXX and XXXX and had XXXX returned items not for XXXX however, but for an error as the bank account was closed. In XXXX she had her online payment privilege 's taken away and was told she needed to mail in certified funds for XXXX yr. I called in and spoke with an agent in XXXX after we received a notice that they sent back a partial payment. Turns out they lost one half of the money order sent and we had to send in another half plus the returned money order on a rush to cover that payment for XXXX. NOTE XXXX MAILED IN PAYMENT WAS RECEIVED AND CREDITED. They told us to dispute the online payment reinstatement due to the error and XXXX XXXXXXXX XXXX  guidelines are that if XXXX or more XXXX XXXX  happen within a certain timeline. So we are trying to get our online payments back on. But in the meantime we are fighting to pay our monthly payments. XXXX we sent in XXXX payments. Only XXXX of those XXXX received. ( XXXX month payment we are 90 days out to get back ) Now in XXXX we have already sent in XXXX payments with tracking confirming receipt and its the XXXX and they still say they have not received our payment. NOTE : NOW 3 MONTHS MORTGAGE PAYMENTS WE ARE OUT AND WONT GET REFUNDED FOR 90 DAYS ). My daughter is XXXX and living on her own. This is creating a hardship and can not keep paying XXXX or XXXX mortgage payments each month in order to avoid a 30 day late on our credit reports. We need our online payments reinstated and they said they will get to it XX/XX/XXXX. Her funds are not being refunded from her bank until 90 days so she is {$2700.00} in the hole and doesn't have money to pay her bills and cant keep this up! We have sent the bank statement showing she had funds to cover the payment so they can reinstate our online payment privilege 's. Receipts to show payment made and tracking info was received all 3 times. Yet no one can figure out why they sometimes get it and sometimes don't. No can help when we call, nothing get done in time and when we do get a response they don't help. We just need our online payments reinstated per guidelines and we can avoid a hardship that they are creating. 
Its important to note that In XXXX I was on vacation when I got the mailed notice regarding the returned partial payment and that the mortgage had not yet been paid. This was on the last day of the month after hours. There was no way to make a payment, online privilege 's were taken away for my daughter but I thought if I could go on the account and make my own account I could pay online, but I couldn't. I tried to do an instant money gram and they do not accept those either. Unless its business hours or you can pay online, THERE IS NO WAY TO PAY.
Product: Credit reporting or other personal consumer reports

After losing my wallet with social security card and Driver 's license I have check on my credit reports and notice hard inquiries that I did not give permission to pull credit reports
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against MOHELA, a service provider for student loans, for their persistent negligence and incompetence in managing my Public Service Loan Forgiveness ( PSLF ) employment verification and qualifying payment count. 

Since XX/XX/2023, I have submitted several PSLF employment verification forms to MOHELA. Despite this, they have consistently failed to process these submissions and apply the qualifying payment count to my account. This ongoing issue has not only caused significant stress and inconvenience but also stands as a barrier to my financial well-being and progress in loan forgiveness under the PSLF program. 

Such a level of service is unacceptable and unbecoming of a company tasked with managing a matter as crucial as student loans. It is imperative that MOHELA be held accountable for their actions, or lack thereof, to ensure that borrowers like myself are not unduly harmed by their incompetence. 

I urge the Consumer Financial Protection Bureau to take this complaint seriously and conduct a thorough investigation into MOHELA 's practices regarding the handling of PSLF forms and payment counts. It is vital that measures are taken to rectify this situation promptly and prevent similar occurrences in the future. 

Thank you for your attention to this matter. I am hopeful that with your intervention, a resolution can be reached that upholds the rights and interests of student loan borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/XXXX and I noticed some things are incomplete and not accurate, And according to FCRA Fair Credit Reporting Act, Whenever a consumer reporting agency prepares a consumer reportit shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
These accounts are not complete and not accurate XXXX. 
Under 15 U.S.C. 1681i ( XXXX ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
According to XXXX XXXX XXXX XXXX, Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( XXXX ), 15 USC 1681e ( XXXX ). Delete account immediately XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
According to XXXX XXXX XXXX XXXX, XXXX is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( XXXX ), XXXX5 USC 1681e ( XXXX ). Delete account immediately I sent a letter asking them to make sure everything is complete and accurate and hre is my tracking XXXX They sent me investigation back and said everything is complete and accurate but if you check my attachments, everything is not complete and accurate. 
And according to 15 USC 1i 5 They are supposed to do this ( XXXX ) treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph XXXX of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- -- ( B ) ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based of the results of the reinvestigation and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( XXXX ) : ( XXXX ) description of reinvestigation procedure A consumer reporting agency shall provide to a consumer adescription referred to in paragraph ( XXXX ) ( B ) XXXX ) by no later than 15 days after receiving a request from the consumer for that description. 
!!!!!!! BUT THEY DID NOT DO THAT AS WELL EITHER!!!!!!!!!! 
And according to 15 USC 1681s-2 they are suppose to NOT furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate. 
According to 15 USC 1681s-2A. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has any reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX who has reported inaccurate and misleading information on my credit report, violating federal laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Here is a detailed account of the issue : Loan Origination : I originally obtained an auto loan for {$9600.00} in XX/XX/XXXX with Account Number XXXX XXXX XXXX XXXX Vehicle Return : In XX/XX/XXXX, I returned the vehicle to the lender and expected the loan balance to be adjusted accordingly, given the resale of the vehicle. 

Initial Balance Update : After returning the vehicle, XXXX XXXX updated the loan balance on my credit report to {$5000.00}, assuming the loan was properly adjusted to reflect the resale value. 

Disputed Balance : In XX/XX/XXXX, XXXX and XXXX of XXXX, I disputed the balance of the loan with the credit reporting agency, as I noticed discrepancies with the reported amount. To my shock and dismay, XXXX  XXXX responded by increasing the balance to $ XXXX balance that is both incorrect and inflated. 

Violation of Federal Laws : This action clearly violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as the reported amount is inaccurate, misleading, and without justification. The increase in balance directly contradicts the documented events of the loan and resale, and it has had a detrimental effect on my credit score and financial standing. 

The actions of XXXX XXXX are wholly inappropriate and, frankly, illegal. I demand that the CFPB investigate this matter immediately and take appropriate actions to ensure that my credit report is corrected and that this company is held accountable for its misleading and unlawful conduct. 

To resolve this matter, I am requesting the following : Immediate correction of my credit report to accurately reflect the loan balance after the vehicle return and resale. 
Investigation into the actions of XXXX XXXX  specifically the wrongful increase of the balance. 
Removal of any negative impact on my credit report caused by these inaccurate reporting actions. 
Appropriate penalties for the violation of federal laws under the FDCPA and FCRA. 
I have attached documentation supporting my claims, including my original loan agreement, return receipt, and correspondence regarding the dispute. 

I expect your prompt attention to this matter and look forward to a timely resolution. Should you need any additional information or documentation from me, please do not hesitate to reach out.
Product: Student loan

Navient claims that my student loans are Department of Education loans serviced by Navient. Navient claims that as Department of Education loans, my loans are federally guaranteed loans ( e.g., can not be discharged through bankruptcy ), but since they are serviced by Navient I have none of the benefits and protections of of other Department of Education loans ( e.g., no interest accrual on loans during Covid non payment periods ). I accrued thousands of dollars in student loan interest during Covid. I have complained to a Navient about this, that it does not make sense that Navient gets all the federal benefits and protections on my loans and I get none. I do not think this is fair. I have attached communications with Navient regarding this issue.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$0.00}