23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Hello CFPB, I have been making reduced payments to Navient since XX/XX/XXXX due to financial hardship while my account was being reviewed. Navient then stated that I need to make higher monthly payments without clearly communicating nor acknowledging the program requirements. I have been in communication with Navient to continue with the reduced payments to prevent my private loan from going into default. I have sent in paperwork to show I can not make higher payments and was denied ( 3 ) times. One of the reasons I was denied according to a Navient representative was, " the director has an issue and/or does not agree with the amount you pay for rent. '' Navient phone call recording will validate this conversation. I have recently spoken with a representative multiple times this week starting ( XX/XX/XXXX ) via phone in attempts to negotiate and was not advised that my account was already placed in default. I received a letter in the mail today ( XX/XX/XXXX ) that was allegedly written and mailed on ( XX/XX/XXXX ) stating I have until ( XX/XX/XXXX ) to " make suitable payment arrangements '' even though I'm currently still making the same reduced payment. I believe this is fraudulent activity and illegal practice on behalf of Navient. I would like to explore other options to discover a reasonable solution resolving this issue that ultimately does not result with my account in a default status. 

Thank you for reviewing this matter. 

-XXXX
Product: Credit reporting

Experian is reporting a XXXX account on my report. I have sent several validations letterrs and they have not followed through and showed my paperwork that this is my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

For several months of 2023, I have tried to solve a problem with the XXXX XXXX bank account, in which I sent you a letter explaining the situation since this account was closed, paid in full but in my report it appears to me that it had 2 late payments. 

Unfortunately I was a victim of bank theft and this account the bank made the refund of the security payments but once the problem was solved the account was paid and this problem was never had. 

I sent a letter waiting for a response from the company and to date I have not received any notification, I made several calls so that please with the evidence sent this will be removed from my report, because it is an account that is not due and that only affects my credit. 

The person in charge notified me that since the account is closed they can not make the modification that this modification must be made through the credit agencies since they can not delete this so I ask that this information be corrected or removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES LISTED BELOW! 
XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX removal date XX/XX/XXXX XXXX XXXX XXXX  inquiry XX/XX/XXXX THEY ALSO VIOLATED MY RIGHTS UNDER 15 U..C 1681 SECTION 604 A SECTION2 : THE LAW CLEARLY STATES CREDIT CREDIT CANT FURNISH A ACCOUNT WITHOUT WRITTEN INSTRUCTIONS I HAVE NOT GIVEN THESE BUREAS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL AS XX/XX/XXXX THE CREDIT BUREAS HAS RESPONDED TO MY DISPUTE AND THEY DID HONOR MY REQUEST TO REMOVE FRAUD ACCOUNT OFF MY CREDIT REPORT FROM 3 CREDIT BUREAS. 
as XX/XX/XXXX the 3 credit bureas removed this fraud account, and then between XX/XX/XXXX -- -- XX/XX/XXXX this negative fraud accounts was back on my credit reports damaging my credit again and holding me back from progressing my living situation as iam not mobile and not able to get better paying jobs due to bad credit and a car and home as well. 

15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT. 

it has been 30 days and you are in VIOLATION of the law becuase iam a victim of identity theft!! please delete items as soon as possible! 

thesen accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
under,15 U.S CODE 1681b - Permissable purposes of consumer reports ( a ) IN GENERAL subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. as a consumer iam demanding the deletion of the accounts listed i IMMEDIATELY
Product: Debt collection

Prancer Capital Corporation has been calling me muilipule times a day every month to try to collect a debt, and leaving detailed messages on my voice mail ( that does NOT have my name attached ) Today for example I was called at XXXX, XXXX XXXX and I declined the call, they then called right back at XXXX XXXX  AND again at XXXX at which point I advised them to stop calling me, and the MANAGER refused stating that they could call me as much and as offen as they liked. 

They have been calling me consistantly twice a day every month starting from the XXXX of the month I have 33 Messages that have been left on my phone since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXXXXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/2017 and are proceeding to sale set for X/XX/17 - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the clients right to counsel. The lender is also not allowing time for the appeal period to be address and responded to prior to proceeding to sale. The denial letter has also not been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

A payment to USAA Credit Card was due on XX/XX/XXXX. The grace period to avoid a late fee of {$35.00} was XX/XX/XXXX. We were not able to make the payment until XX/XX/XXXX and by then we would avoid a 30 day late reported to our credit bureau. The attached USAA statement clearly states pay by XX/XX/XXXX. We paid on XX/XX/XXXX as documented and they are saying because it took 2 days to post between XXXX and USAA that it was now 30 days late. USAA suggested we should open an account there and then creditting internally would be on the same day as the payment day. Our bank, XXXX said even though it pended on the XXXX, USAA had their money on the XXXX of XXXX. My purpose of this complaint is that USAA placed a 30 date late on my credit bureau unjustifiably. I am enclosing a copy of the USAA XXXX statement that shows when the payments are due. Note that XXXX 's statement shows a credit for a disputed late fee of {$35.00}, also this statement which followed in XXXX clearly shows that USAA received the payment on the XXXX XXXX, just as required. My bank posted it on our bank statement from pending to posting date XX/XX/XXXX. That's an internal banking thing that has nothing to do with me.
Product: Credit card

Account with ATT/Citbank Universal Card. I disputed receipt of statement but paid without but it was a few days late. They took away the promotional rate of 7.99 to 29.99 accessed fees. Despite all my attempts and payments to resolve this, they gave to attorney. I made agreement and paid the amount. My account was to be marked as closed/ paid. Attorney still filed judgement, but court also found that it was satisfied and paid. Citibank charged off " after '' I paid the agreed amount and is still trying to show it as an open balance. The account should show nothing owed. In the judgement they tried to say i received all statements and I never disputed. But all that was sent to me with each letter was a generic message that i was not entitled to a promotional amount. The judgement also had the court paying me back money. I just want my credit reports to show this is closed/paid. It should not be charged off and with a balance. Filed to have judgement vacated.
Product: Vehicle loan or lease

I am writing to file a formal complaint regarding the car loan I have with Exeter finance LLC. Despite making payments totaling {$20000.00} over the past two years, my loan balance has not decreased and has actually increased due to excessive late fees and other charges. Below are the details of my loan : * Loan Amount at Start : {$32000.00} * Current Loan Balance : {$35000.00} * Car 's Current Value : {$17000.00} * Interest Rate : 26.18 % APR * Payments Made : {$20000.00} paid over 2 years Despite my efforts to make regular payments, I have been told that my loan balance has not decreased because of late fees that are continuously added. The lender claims that my payments were late every time, but I have not been clearly informed about why this was the case, nor have I received adequate explanations regarding the application of fees. As a result, my loan balance has increased, and I am now in a situation where the loan exceeds the cars current value. 
I have serious concerns about the fairness of the fees and the loan servicing practices, as it seems I am being trapped in a cycle of debt. I have already paid {$20000.00}, yet the loan balance has not reduced as expected. I am now left with a car worth far less than the remaining loan balance and no clear path forward.

Specific Concerns : 1. Excessive Late Fees : The loan balance has increased due to recurring late fees despite my attempts to pay on time. The fees seem excessive and unfairly applied.

2. Lack of Clear Communication : I have not received adequate explanation from the lender regarding the late fees or why my payments are being considered late. This lack of clarity is financially harmful. 
3. Loan Balance vs. Car Value : My car is currently worth {$17000.00}, yet my loan balance is {$35000.00}. This has left me upside down on the loan, making it nearly impossible to pay off the remaining balance through regular payments.

4. Financial Hardship and No Path Forward : Given that Ive already paid {$20000.00}, yet the loan has not decreased as expected, I am struggling to see a reasonable way out of this debt. I feel that my efforts to pay off the loan have been undermined by excessive fees.

Request for Resolution : I would like the CFPB to investigate the lenders practices and help facilitate a reasonable resolution. Specifically, I request : * A full breakdown of my payments, loan balance, and a detailed explanation of any fees assessed, including the reason why my payments were considered late. 
* A review of whether the lenders fees and practices are fair and in compliance with consumer protection laws. 
* Facilitation of a reasonable payoff amount, considering I have already paid {$20000.00}, and the current loan balance is not reflective of my cars value. I would like a fair opportunity to settle the loan and close this account without being burdened by an unreasonably high balance. 
I have attached relevant documents, including loan statements, payment records. I would greatly appreciate your assistance in resolving this issue in a fair and timely manner.
Product: Debt collection

A debt validation attempt was made to CAC Financial XX/XX/23 and this company has failed to validate my debt. Instead they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to my personal health information.
Product: Debt collection

On XX/XX/XXXX, I reached out to XXXX XXXX and several other medical supply companies in-network for my insurance at the time attempting to purchase a XXXX pump. I told XXXX that I only wanted a XXXX pump if it would be fully covered by my insurance. On XX/XX/XXXX, XXXX XXXX from XXXX told me that my insurance had denied my claim. I was due to give birth in just two weeks, so I purchased a XXXX pump from another company. 

XXXX later sent me a XXXX pump without my approval or knowledge. They sent it along with a bill for {$40.00}, which was my co-insurance. I paid the {$40.00} and my insurance paid the rest of the bill. I already had a XXXX pump from the other company, but I figured I would keep this one and have one for work and one for home, and {$40.00} co-insurance would be reasonable. However, XXXX kept sending me a bill for {$40.00} per month, totaling {$240.00} over the course of 6 months for co-insurance. The total bill including the insurance amount was {$590.00}, a totally unreasonable amount for a device that should have been free with insurance. You can buy a XXXX pump on XXXX for around {$150.00} or even less with no insurance. When I realized this was a shady " rent to own '' scheme I had never agreed to, I asked to return the pump. However, XXXX refused and transferred a debt of " {$310.00}, '' which I never authorized, over to the National Recovery Agency. NRA has now incorrectly reported me as " past due '' for this item. 

I disputed this item on my credit report with Experian on XX/XX/XXXX, and included the email thread I had with XXXX. However, on XX/XX/XXXX, Experian closed my dispute in favor of NRA.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1200.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$1100.00},, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$690.00} XXXX XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$610.00}, XXXX XXXX XXXX Account XXXX : XXXX date opened XX/XX/XXXX bal. {$550.00}, XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX bal. {$370.00}, XXXXXXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$220.00},, XXXXXXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX date opened XX/XX/XXXX bal. {$110.00}XXXX XXXX XXXXk XXXX Account # : XXXX XXXX XXXX XX/XX/XXXX bal. {$0.00}, XXXX  Account # : XXXX date opened XX/XX/XXXX XXXX {$0.00}, XXXX # : XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I currently have an Cash App account under XXXX XXXX  however, I had several others over the years. I believe this was in XXXX or XXXX and several people had taken money out of the cash app account. When I inquired about it CashApp representative said an statement that explained they were not at fault and wiuld not help. I then closed that account at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I submitted a complaint on Equifax to remove specific accounts that do not belong to me. I submitted a police report and FTC report and a letter disputing these fraudulent accounts. In a response from Equifax, dated XX/XX/2018, I was told the " disputed accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX are currently not reporting on the Equifax credit file. The additional disputed items are currently not reporting on the Equifax credit file. '' However, I reviewed my credit profile and the accounts remain on my credit profile. I called Equifax to figure what the issue is and was told these accounts are now verified. I asked to speak with someone who monitors their CFPB responses but was told this department does not exist. I was transferred to the fraud department to report these same accounts. The person explained the accounts were again verified electronically by the furnishers. I recorded the conversation concerning the way disputes are conducted in which I was told the investigation were conducted electronically. Furthermore, it was explained that unless the company returns a request for deletion, the account will remain on my credit report. A complete investigation is suppose to be conducted and in my case as well as all others subjected to Equifax method of verifying accounts is not happening. This is just unacceptable!! Unfortunately, the file is to large to place on the complaint However I will condense for an additional complaint if one is needed. Furthermore it is unacceptable that a response from Equifax to the me and the bureau which governs their methods, would be fabricated. These accounts are still on my credit profile, please remove immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and completeness of the balance associated with the account : XXXX XXXX XXXX. Open Date : XX/XX/year> I believe the reported balance is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermor

e, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question. Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported balance associated with my account.

2. The provision of complete account-level documentation that verifies the accurate balance in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA. 

Please send me written confirmation of your findings and any corrections made within the required timeframe. 

Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX Balance {$520.00} XXXX XXXXXXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

COMPANY CONTINUE TO HARRASMENT DISABLE VETERAN FOR ID FRAUD ACCOUNT NOT MINES AND NEVER HAD ANY " XXXX '' XXXX ACCOUNT, POLICE REPORT FILE, FRAUD AFFIDAVIT FILED VIA MY ATTORNEY WITH " XXXX AND FTC '', COMPANY REFUSE TO REPLY BACK TO " XXXX  '' ON ABOUT XX/XX/2020, DISPUTE VALIDATION OF DEBT AND NEVER SIGNED ANY APPLICATION FOR CREDIT CARD ... ..NOTE : VETERAN IS 100 % XXXX  AND LEGALLY XXXX ... .VETERANS ON SOCIAL SECUIRTY/ VA PENSION ARE EXEMPT FROM JUDGEMENT OF PENSION DISABLITY INCOME GARNISHMENT
Product: Credit reporting or other personal consumer reports

I have disputed these accounts for multiple inaccuracies and requested multiple times from the credit bureaus to provide me with all method of verification which they never responded or provided. I want these accounts removed as they should be in correlation with FCRA. They are required to provide 100 % accurate information and submit all methods of verification which they failed to do. 

1. XXXX XXXX  - XXXX PAYMENT STATUS - COLLECTION, LATE 120 DAYS, COLLECTION DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

2. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  REMOVE DUE TO INACCURATE REPORTING. 

3. XXXX  - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING XXXX. XXXX  - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 5. XXXX XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING. 

6. XXXX - XXXX DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING 7. XXXX - XXXX REPORTING A COLLECTION/CHARGE-OFF BUT STILL REFLECTING A BALANCE OF {$1100.00}. 
DATE OF LAST ACTIVITY - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX REMOVE DUE TO INACCURATE REPORTING