23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have made  XXXX  payments on my student loans throughout the course of the loan. Sometime arou nd  XX/XX/XXXX - XX/XX/XXXX , my  student loan payment went up substantially  ( fr om about  XXXX  to  XXXX   ),  although my salary had not. I called Navient and was informed that my loan terms had changed and the option other than monthly payment decided by them was to do a forbearance. I took this option unaware of the PSLF that had gone into affect. I have worked for a   XXXX   XXXX  l for the last 9 years (   XX/XX/XXXX - XX/XX/XXXX  ). I j ust found out through the course of the last year of the PSLF and now understand why I was essentially forced into forbearance because had I made the payments I was making previous to the abrupt change, I would well have been with in the 120 p ayments necessary for forgiveness under the PSLF. I recently call ed (    XX/XX/XXXX  ) N  a  vient  as my last forbearance is about to expire. They now say my only options for repayment are to pay out the loan ( which is now more than the original loan because of continued interest accruement ) in full, in a 2 year or 3 year repayment plan because I got married and they are now considering my husbands income as mine. I have my own  XXXX  and have always used that for documentation and offered to send it but they said A ) it was too early to set up and resolve a new plan, as my forbearance is up in   XX/XX/XXXX , B  ) my new repayment plan would be made dependent on my filed tax return. They have mislead and withheld information that caused me to make decisions which have accrued more debt.
Product: Debt collection

To Whom It May Concern, I have recently noticed a collections account on my credit report that is inaccurate and does not belong to me. Also, the collection agency pertaining to this account is Enhanced Recovery Corporation and they are not licensed to collect debt in my state, which is Tennessee. According to Tennessee state law, any company attempting to collect any type of debt, REQUIRES a license. I would like this account removed from my credit reports effective immediately! 
Thank you in advance!
Product: Student loan

the problem is navient says i 'm on a variable interest rate..i went back on my records when i was with   XXXX   XXXX   my private loan payments were always {$320.00} ...  XXXX   XXXX  i was switched over to  Navient  and payments stayed the same till  XXXX   XXXX  when they went to {$320.00}.  XXXX  of  XXXX  they went to  XXXX .  XXXX  of  XXXX  they went to  XXXX  and now its  XXXX   XXXX  and its up to  XXXX  ..it has gone up {$3.00} in 5 months this year alone.. I know for a fact i never singed on variable intrest rates and have called serval times requesting the paper work showing i signed off and agreed to variable   interest rates..I have never recived any proof of this and my rates keep going up.
Product: Student loan

I reached out to Navient in attempt to see if they would take a settlement that was within my financial realm. Navient, the XXXX XXXX XXXX  of a company, turned me down. I was in school at the time I reached out to Navient for a resolution but they're predatory ways still bombarded me with phone calls, emails and text messages. How can I still be in school and still be forced to make payments? When this loan was taken out with my name, I was barely out of highschool! I didn't even graduate from the college that the money was sent to! This loan started off at XXXX and now it exceeds almost XXXX from the hellish interest rates alone! Now I get messages saying that Navient is going to pass my info to another loan servicer?? Is this their way of avoiding accountability?
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XX/XX/2015 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

Attached is email confirmation that I returned the device to the store from XXXX but continue to be harrassed about this being an outstanding payment.
Product: Credit reporting or other personal consumer reports

I disputed debts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Equifax, XXXX, and TransUnion, stating theyre not mine. 

XXXX is the only one that has removed the accounts. 

I was homeless from XXXX to XXXX, never received notices, and these debts dont belong to me. The bureaus had 30 days under 15 U.S.C. 1681i to investigate and remove unverified info. Its been over 30 days since the disputes, nothings fixed.

After disputing, I sent certified validation letters to the creditors addresses listed on my report. Multiple letters returned undelivered [ see attached ], proving the addresses are inaccurate. This shows the bureaus are violating 15 U.S.C. 1681e ( b ) by reporting unverified, incorrect data. Theyve ignored my dispute and evidence, damaging my credit. 
. 
What I Want : Remove all fraudulent debts from my credit reports immediately. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Investigate why the bureaus failed to act within 30 days and are still reporting inaccurate info. 

Attachments : Certified mail receipts Returned envelopes from validation letters Company Involved : Equifax, TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

ABILITY RECOVERY SERVI XXXX I asked them to validate the debt. They told me they can not, they do not have my signature, and there is no contractual agreement for me to pay. And they want to get paid.
Product: Vehicle loan or lease

The company never sent correspondence stating how much the car was sold for in auction. Disputes with original creditor in XX/XX/XXXX, along with disputing with credit bureaus from XXXX, XXXX, and XX/XX/XXXX. The account is charged off and the creditor is reporting monthly that a payment is being missed and that amount of debt owe increases monthly if not being reported. 
Prestige Financial XXXX sent letter to me stating vehicle was auctioned off in XXXX for {$9000.00} amount owed as of today ( XX/XX/XXXX ) per credit report is {$17000.00}.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX resurgent capital services XXXX XXXX XXXX XXXX sold account to XXXX XXXX, Resurgent Capital Services. Now I do not know where this account actually exists because it has been passed on to so many different collection agencies. 
I told original creditor my situation, then I told XXXX XXXX the same situation and no Resurgent Capital Services the situation on three separate correspondences.

I am collection proof. I am XXXX/XXXX/XXXX. My husband passed away in XXXX taking 75 % of our income with him. I have no funds to pay the amount they say I owe and I do not have funds to secure legal help. I have social security income that barely meets necessities. This is not the situation I intended to be in at XXXX years old.
Product: Credit reporting 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : Bankruptcy # XXXX UNAUTHORIZED INQUIRIES : 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 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: Student loan

Afternoon, I was placed on a program due to my income probably about 8 months ago. I also had to submit information like my bank statements and work statement information. I was then requested again in XXXX to do the same thing. My account was also in delinquency and I was told once I get on this program and make payment my account would no longer be deliquient and it would show up as paid on my credit report. A couple of days ago I received a call saying that my accounts were delinquent and this is after I made the required payments. I also received a call stating I was denied from the program today. This is a total crock of stuff after all of the on time payments I made I am still being penalized and delinquent this is not a good business practice at all. I would like to resolve this situation or go into default or be transferred to a different servicers because this is ridiculous and very unprofessional. I spoke with XXXX XXXX when she told me I was denied. I am also on a income rebased payment with the federal government and I have loads of student loans there so I dont understand the denial either since the XXXX has my tax returns.
Product: Bank account or service

Capital One has been unwilling or unable to process an simple account transfer. When I went to complain, I found several other bad reviews of capital one " Filibustering '' customers to keep their accounts at capital one after the customer has decided to leave. 

I processed a transfer with XXXX at the exact same time, and XXXX processed their transfer in XX/XX/XXXX. Capital One has a variety of EXCUSES as to why they ca n't perform the transfer but the process is designed to get me to forget about it and leave my money with them. It 's a CON. I filed the proper paperwork. They should FOLLOW IT.
Product: Checking or savings account

Money was taken out of my account by a scammer. Money was taken from my account via XXXX to XXXX. I don't even have XXXX.my bank would not refund the charges and said there's nothing they can do.
Product: Debt collection

I am writing to you regarding a debt that your agency claims I owe. In accordance with my rights under federal law, specifically IS USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with written validation of this debt. 
This includes, but is not limited to, the following information : 1. The amount of the debt.

2. The name of the original creditor.

3. A detailed explanation of the debt, including any interest, fees, or other charges.

Under 15 USC 1692g, I am entitled to receive this validation before I can consider
any payment. Until you provide this information, I am requesting that all collection activities cease.

Additionally, I would like to draw your attention to 15 USC 1681q of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of false pretenses to obtain consumer credit information. 
Any attempt to falsely claim a debt or to misrepresent the details of the debt would be a violation of this statute and could result in legal consequences for your agency. 
Please treat this letter as a formal dispute of the debt in question. 
Furthermore, I am requesting that you cease all communication with me regarding this matter until you have provided the requested validation. All future communications should be in writing and sent to the address listed above. 
I expect to receive this validation within 30 days of the date of this letter. Failure to provide proper validation will result in my pursuing all available legal remedies to protect my rights. 
Thank you for your prompt attention to this matter
Product: Payday loan, title loan, or personal loan

For the last 11 years, appoximately every 2 months, we continue to receive credit card/ pre-qualified line of credit applications for the previous occupant of our home. The offers are sent from BBVA, BBVAUSA.com, Reservation code XXXX. Former occupant was Ms. XXXX XXXX XXXX. I have no bank/credit accounts with BBVA- and have no interest in receiving any offers. 

-We have lived at our current address of : XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX, for 11 years, since XX/XX/2010. I have no knowledge of where Ms. XXXX XXXX currently resides. In addition to it being waste of time and USPS mail, it also indicates the potential for identity theft if someone else were to receive this and impersonate Ms XXXX XXXX information to request a line of credit at our address. 

We keep getting pre-approved offers for her, only from BBVA. I have contacted them multiple times to update their database/ address, but it never works. They have a contact phone of XXXX ; usually the call representative states that they will make a note of it in their database, but apparently that is not being connected to their direct-mailing / credit offer section. 

I have also called the " Opt-out '' phone 3 of XXXX to opt out of pre-screened credit offers, but again it does not seem to prevent these letters from BBVA.
Product: Debt collection

Filed Bankrupcy debt not owed. capitol one bank since XX/XX/2014
Product: Credit reporting or other personal consumer reports

BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Reported : XXXX XXXX, XXXX - {$3000.00} In good standing This amount was above my {$2500.00} credit limit, unbeknownst to me. 

All charges were approved. 

Account was PAID IN FULL BEFORE DUE DATE but was reported anyway, which caused my score to drop by almost XXXX points. 

I phoned Barclays ands asked for credit increase to prevent another occurrance, they stated it would require a hard inquiry. 

I SPECIFIALLY DECLINED PERMISSION FOR A HARD INQUIRY - AS THIS WOULD FURTHER HURT MY SCORE- WHICH APPARENTLY WAS MADE ANYWAY XXXX XXXX
Product: Debt collection

Fair Collections and OUT has been threatening legal action against me for a debt that IS NOT MINE. They have called me, harassed me and after disputing this in writing with them on 2 separate occasions, they have continued to say that I owe a debt that I HAVE NEVER SIGNED FOR. I have requested proof of this alleged debt in the form of a contract bearing my signature and they have failed to provide this. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I have the right to a fair credit report that reflects only accurate accounts under the fair credit reporting act. This company has continuously violated my rights and their practices go against the Fair Debt Collection Practices Act. I am requesting for removal of this account from my credit report IMMEDIATELY. This company has been given several chances to prove the accuracy of this account but they have failed to provide any proof other than a claim that they purchased this debt from another company who I also did not sign an agreement with.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Debt collection

I authorized my mom to make a 1 time payment with my card for a product. My mom gave them her name and address for the purchasing of the product. The product is supposed to be in her name and her own account not mine. Collection agency send me a collection letter in my name and when asked for a recording of the purchase they stated they do not have it. This bill should have never been in my name. I did not order it and the amount is disputable. I was not aware that this product had more payments which were my mom 's reponsibility to pay not mine. Thank you.
Product: Credit card or prepaid card

Hello, I am a XXXX XXXX not in XXXX XXXX  and my computer was hacked by someone claiming to be from XXXX. I just noticed in my email that several complaints with you were filed by this hacker. I have not filed any complaints and would like them withdrawn. They are listed below and I have changed my password to your site XXXX XXXX XXXX Your complaints COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX General-purpose credit card or charge card Problem with a purchase shown on your statement CHASE BANK CREDIT CARD XX/XX/2022 Closed Marked as a duplicate complaint on XX/XX/2022 XXXX XXXX XXXX General-purpose credit card or charge card Other features, terms, or problems CHASE BANK CREDIT CARD XX/XX/2022 Closed Feedback provided XXXX XXXX XXXX General-purpose credit card or charge card Problem with a purchase shown on your statement CHASE BANK CREDIT CARD XX/XX/2022 Closed Feedback provided
Product: Debt collection

I was admitted to the XXXX XXXX XXXX XXXX XXXX in XXXX California. I am a XXXX veteran and the billing was supposed to go to the VA and the provider sent the bill to collections even though I corrected the wrong health insurance information with them and I provided the providers billing office with a three way call with the VA to cancel the debt. Through out all of this I Was still mistakenly sent to collections and my credit had been affected making it more expensive for me to find a house in the new location I am being assigned to work in.
Product: Debt collection

It has been over a year of constant calls from ally financial about the amount they incurred by repossession of my truck. They ordered the repossession. I paid all of my payments and late fees in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX RE : Follow up Recently, I mailed a letter requesting verification of inaccurate accounts reporting on my credit report your bureau maintains on XX/XX/XXXX. I received a response stating that the account ( s ) were verified on XX/XX/XXXX. I am formally requesting a description of the procedure your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ), your agency is required to forward all relevant information to the original creditor to ensure proper investigation of my dispute. I am requesting you provide me ALL information used for your investigation, as required by FCRA 611 ( a ) ( 7 ). These accounts I am demanding your PROOF, you legally HAVE to provide to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA you are required to provide this information to me within 15 days or you are to delete the negative items from my credit report. You have failed to provide any PROOF of validation to me. Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXXXX/XX/XXXX