23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Navient was sued by XXXX XXXX XXXX across the nation and they stated they would cancel the debt of the loans that had defaulted based on certain criteria laid out in the finalized agreement with the court. I received a response from Navient that unfortunately while I met all the criteria for student loan cancellation, my loans were not on the list of for profit universities through my CFPB complaint. The CFPB closed the case. However I stated I fall under Category 3 Non traditional Private loans below : Category 3 Criteria : Non-traditional Any non-traditional private education loan with an outstanding balance and in Past Due Status as of the Debt Relief Forgiveness Date disbursed by SLM XXXX lenders, subsidiaries, predecessors, successors, and/or affiliates after 2002. Non-traditional as used herein means a private education loan disbursed ( 1 ) to a borrower with a XXXX  score below 670 at origination to attend a private for-profit educational institution; or ( 2 ) to a borrower with a XXXX  score below 640 at origination to attend a public or a private not-for-profit educational institution. Please see page 42 on the consent order that Navient signed under Category XXXX Criteria for non traditional private educational loans. 

Navient has done nothing to cancel my defaulted loans, and refuse to cooperate and instead believe I do not qualify while simultaneously acknowledging that the loans have been past due and delinquent for years and say they do not understand because when I forwarded them the signed agreement the representatives believe I should have the loans cancelled. 

I do qualify for the debt cancellation for every tuition answer loan that was taken out. I under the Category 3 Criteria non traditional private educational loans. I had a XXXX score under 640, tuition answer loan XXXX, to attend a not for profit educational institution. 

I asked Navient to respond to my request and they sent a letter that I attached below from XXXX XXXX an advocate for Navient. 

I requested to show proof that my XXXX  score was above 640 at the time of origination and they stated they would research the information. However, since they already made this decision wouldn't they have proof that my XXXX score was above 640 considering they sent this letter stating I didn't qualify. 

The facts present that my XXXX score could not have been above 640 at time of origination because I had to have a cosigner. 

Navient is not cancelling the loans as they have stated they would do with the Multi State GA agreement. 

I qualify because my XXXX score was under 640 at time of origination, under the order of the court. 

I have attached all correspondence from Navient and myself. Also, I have attached the XXXX XXXX agreement. Please see page 42 under Category XXXX private loan cancellation.
Product: Credit reporting or other personal consumer reports

My credit profile was oneof those affectedby the Equifax breach. Please remove the following fraudulent inquiries as it is affecting me and my family.
Product: Credit reporting

XXXX XXXX Acct # : XXXX - NOT MINE, No proof of debt XXXX Acct # : XXXX No Proof of debt XXXX XXXX XXXX, XXXX Acct # XXXX -NOT MINE, No proof of debt since XXXX Acct # XXXX NOT MINE, No proof of debt UNIVERSITY XXXX Acct # XXXX NOT MINE, No proof of debt XXXX Acct # XXXX NOT MINE, No proof of debt INCORRECT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX not accurate not my address XXXX XXXX XXXX XXXX XXXX XXXXPlease be advised that this is not a refusal to pay the debt, but a detect sent pursuant to the Fair Debt Collection Practices Act 1 : USC 1692g Sec 809 ( b ) you title that I owe this. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe or gave authorization to. I am demanding proof that I am the exact party to these or gave authorization to, and a prearranged coercion, which is obligatory on me to wage this debt. This is NOT a request for " legalization '' via E or evidence of my mailing address, but a demand for AUTHENTICATION made pursuant to my Precise Name Date of Birth Social Security Number and correct address current XXXX XXXX XXXX XXXX XXXX XXXX accordance with section of the Fair Debt Collection Practices Act. Or I request this be removed with immediate effect. I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt, including specifically the alleged agreement or other instrument bearing my signature or authorization.
Product: Bank account or service

I was robbed at an ATM while XXXX, the XXXX can be seen in the camera footage. I requested that the bank review this information and help me recover any costs or proceed with police complains, they did not, and did not show any proof that they attempted to resolve the issue in any meaningful way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing this XXXX XXXX account with Experian for about a year now starting with date XX/XX/19 item was removed and deleted and placed back on my credit and the account number is XXXX amount showing before deletion was {$140.00} police report was sent also with report number XXXX for identity theft dispute report number XXXX XXXX XXXX refuses to send me information on why this continues to be reported and has not responded to my request for information.
Product: Credit reporting or other personal consumer reports

Hi there! 

Hope you're doing well! I was looking into some legal stuff and noticed a few things regarding my credit information that I'd like to discuss. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), it emphasizes the need to ensure that consumer reporting agencies handle their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Equifax and XXXX, being consumer reporting agencies, handle my credit info, and as the consumer, I have the right to ensure my private information isn't shared. This right is backed by 15 USC 6801, which states that financial institutions, including furnishers of information to credit agencies, have an obligation to respect customer privacy and protect the security and confidentiality of nonpublic personal information. 

Now, here 's the deal : 15 USC 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can only furnish a consumer report with the written instructions of the consumer to whom it relates. The furnishers of information to credit agencies ( like financial institutions ) need my consent for this, and they surely don't have my written consent. I'm revoking any and all consent, be it verbal, non-verbal, written, implied, or otherwise.

Moreover, 15 USC 6802 ( b ) ( c ) states that a financial institution can't disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how they can exercise their nondisclosure option. However, the furnisher of information to credit agencies never informed me of this right. 

I also noticed that XXXX XXXX XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including certain adverse items of information without permission. This account they're reporting seems to be an adverse item they're sharing without my permission, which goes against the law. 

Furthermore, XXXX XXXX XXXX XXXX ( A ) ( XXXX ) says that a person shouldn't furnish any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Equifax and XXXX, it seems, might be falling short on maintaining reasonable procedures to avoid violations. 

To add to that, XXXX XXXX XXXX XXXX states that every consumer reporting agency should maintain reasonable procedures to avoid violations of section XXXX and limit the furnishing of consumer reports to specific purposes. It seems like Equifax and XXXX might not be maintaining these reasonable procedures. 

Last but not least, XXXX CFR XXXX states that a consumer can exercise the right to opt out at any time. So, just to make it crystal clear, I'm opting out of your reporting services. 

I appreciate your understanding in sorting this out!
Product: Debt collection

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Student loan

In XXXX of 2020 Fedloan Servicing deleted student loans from my consumer credit report as a result of not being able to properly validate the accounts. I have contacted Fedloan Servicing via mail on XXXX of 2020 notifying them that I am deserving of remedy under the Fair Credit Reporting Act, 19 U.S. Code 1681b and years of defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : Bankruptcy XXXX XXXX-discharged Filed on XX/XX/2017 Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX Balance Owed : {$3000.00} US DEPT ED XXXX Balance Owed : {$2400.00} US DEPT ED XXXX Balance Owed : {$5700.00} USDOEXXXX XXXX US DEPT ED XXXX Balance Owed : {$590.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX {$6200.00} DP OF EDUC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Student loan

I also have open case with ombudsman XXXX which I have not heard anything back. 

I have recently read that the FSA is taking action to target forbearance steering by student loan servicers and believe I was a victim of this practice on at least two occasions : ( 1 ) XX/XX/XXXX when I began my XXXX XXXX I spoke with my servicer on multiple occasions regarding my student loans and inability to pay the amount indicated under my repayment plan. The servicer suggested I enter forbearance rather than income based repayment. This significantly affected my progress toward PSLF as I was working for a qualifying XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  during this time period, as well as my outstanding loan balance at the conclusion of my residency in XX/XX/XXXX. ( XXXX ) XX/XX/XXXX through XX/XX/XXXX. I XXXX  in a XXXX XXXX XXXX  in XX/XX/XXXX and was automatically placed in school deferment. This was an online degree program which I completed while continuing to work full time for a qualifying XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to my servicer when I noticed I had been placed in deferment and asked them to leave me in repayment as I intended to continue to make my payments for the duration of my program. I continued to make payments of roughly {$600.00} every two weeks, which have not counted toward PSLF because I did not have a bill due for this payment period ( i.e., as I was steered into deferment ). In fact, the servicer had essentially conveyed to me that staying in deferment was my only option while XXXX  in school. Additionally, I would like to point out that at the conclusion of my professional education ( XX/XX/XXXX ), I attended a 'required ' exit counseling for my student loans. At this exit counseling, the presenter told a classroom full of XXXX XXXX XXXX XXXX that Income Driven Repayment ( IDR ) would have no benefit to our cohort based on high earnings. The presenter misrepresented the IDR program and undermined the advantages of IDR for a large percentage of this cohort - many of these XXXX  XXXX  could certainly have benefited from an IDR, particularly those who were going to work for qualifying XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). It is my assertion this directly impacted my delay in pursuing the PSLF program, thinking that I did not qualify because " I made too much money '' according to the exit loan counselor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting fraudulent inquiries on my credit report without my knowledge. I called and asked them to be removed but with no luck. I told them that I would send in a FTC report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian along with XXXX and XXXX all have improperly reported a late payment on an open ended credit plan without formally providing me written notice of the options I as the consumer can exercise to opt out of this information being reported. Per the following law, I was never afforded the opportunity to opt out of the reporting as I would like.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Also, the reporting of the late payment is also in direct violation of 15 U.S. Code 1666b - Timing of payments which states : ( 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.
Product: Checking or savings account

My complaint is with cashapp I went through the process 4 times once they recovered my account back for me after I was logged and locked out. But they say I had to have authorized the transactions which I clearly didnt. I'm in Texas and a person from North Carolina hack my account and stole about {$600.00} out of my account before my company could get me back in control of said account. I want to be refunded. Here Is the list of the unauthorized transactions.. 
XXXX XXXX XXXX {$73.00} XXXX XXXX XXXX {$98.00} XXXX {$20.00} XXXX {$38.00} XXXX. {$30.00} XXXX. {$20.00} XXXX {$25.00} XXXX {$170.00} XXXX {$10.00} XXXX {$20.00} XXXX XXXX XXXX {$20.00} XXXX {$25.00} XXXX {$20.00} XXXX {$25.00} XXXX {$20.00} XXXX {$45.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle financed with  XXXX   XXXX   XXXX   XXXX . At one point my loan was issued to a particular   XXXX   XXXX   account manager. During the time this employee managed my account, he would constantly harass and call my husband and I, yell, scream, make insulting comments about our financial ability to pay for the car, and was overall verbally abusive. I came to the point where I did not answer phone calls from  XXXX   XXXX  because I refused to be subjected to this type of abuse at the hands of a major financial companies employee. I filed several complaints with the  XXXX   XXXX   XXXX   XXXX   Office of the President.  Nothing was resolved. Towards the end of   XX/XX/XXXX ,   XXXX   XXXX  added a {$200.00} insurance charge to the monthly payment claiming I did not have insurance on the vehicle. I was attending school out of state and was not aware of the additional charge tagged on ; however, we continued to make the normal monthly payments. The paid additional surcharge was calculated as nonpayment. The account  manager  put the car up for repression in   XX/XX/XXXX .  As a result, my husband and I immediately redeemed the vehicle and prevented the repression by refinancing the loan with a different financial servicer,  XXXX   XXXX   XXXX   XXXX   XXXX  in   XX/XX/XXXX .   The car was redeemed, the  XXXX   XXXX  loan was paid in full, and I kept the vehicle. I filed appropriate complaints with  XXXX   XXXX   Office of the President a nd other agencies. Again, nothing was resolved.      XXXX   XXXX   XXXX   XXXX  reported the redemption as a repression to a consumer credit agency. The account is still incorrectly reported as a repression rather than a redemption with the account paid in full and closed. I have contacted both the credit agency and  XXXX   XXXX   XXXX   XXXX . to have the inaccurate report removed. I confirmed with a  XXXX   XXXX  customer service agent that the account states the loan was paid in full, transferred to a different financial institution, and closed. Nonetheless, the account was incorrectly reported as a repossession. I am having a difficult time correcting the matter with  XXXX   XXXX  and on my credit report. Apparently, there is no one in the dispute resolution department that I can speak to verbally to confirm the information. After being subjected to unlawful emotional and verbal abuse as a paying customer, I am still enduring financial harm due to the inaccurate report to the credit bureau. This is a mistake on the part of  XXXX   XXXX , yet I am having to spend an inordinate amount of time contacting the financial institutions, issuing paperwork, and documenting all the communication. I fear  XXXX   XXXX  will continue to provide incorrect information and subject me to financial and professional harm.
Product: Credit reporting

I am having an issue with the Experian website in trying to upload an amended police report that I have made on XXXX XXXX 2015. I picked up the report on XXXX XXXX 2015 and it shows the original report filed on XXXX XXXX 2015 and on page XXXX it is the amended report from XXXX XXXX 2015. I am trying to upload the police report because there is fraudulent information on my credit report that is reporting there is multiple fraudulent inquiries on the credit report with XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX on XX/XX/2015, XXXX XXXX XXXX XXXX on XX/XX/2015, XXXX Card on XX/XX/2015, XXXX XXXX XXXX XX/XX/2015, Colorado XXXX on XX/XX/2015, XXXX Colorado XXXX on XX/XX/2015, XXXX Bank on XX/XX/2015. One of these inquiries resulted in a Fraudulent account with XXXX XXXX union Account # XXXX to be established fraudulent in my name.
Product: Credit card

Over a month ago, one of my XXXX cards with Citicards was blocked for payments. I have no idea why. I've been calling and calling. Every time I call there's someone in the XXXX with a terrible connection asking me about my number of my debit card for security checking. I do NOT HAVE a debit card with Citi. They also asked me for lots of other data, like the number of my other credit card, which I provided. 
I also talked to a supervisor, actually XXXX : one on the phone and one in the chat. 
When I don't give them a debit card number, they hang up on me. When I ask to be transferred to U.S. customer service, they say ok but put me in the same loop again and I land in the XXXX again, with the same result. 
The online chat says they can not help, I have to call. 
It's been a total nightmare. 
I have a credit balance on this card. 
All I'm asking for at this time is to transfer my credit balance to one of my other XXXX cards from the one ending in XXXX and to close that account. 
The document I attached is that latest message I received from a supposed supervisor who admitted himself that it was frustrating but could not help either.
Product: Checking or savings account

Navy Federal Credit Union is reordering transactions to charge multiple overdraft fees for purchases made while the balance was positive. Ive asked to be opted out and are still receiving fees. International fees