23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

To keep it short and simple, I have had student loans since XX/XX/XXXX. Every time I called and explained that I could not pay the loans ( they were too expensive monthly ), I was told to use forbearance. When I married in XX/XX/XXXX, the same year I completed my XXXX, my husband also had student loans ( about the same amount as mine ). When I tried to explain to Navient that we were married and now had {$170000.00} in student loans and could not afford the monthly payments, they would never take that into account. They want to treat each account separate ( total household income as filed on our taxes against each student loan account ). This is not fair math. Each persons income to each account would be fair, but that was not an option. We filled taxes jointly, because we are married. A couple years ago I called Navient and once again expressed that I was not able to make such HIGH monthly payments on my account. I was told then that our best solution was to consolidate the loans. I had no idea that my then ~3 % interest rate on some of my loans would go to the prime rate set by congress , doubling it. I was NEVER told about my options to pay lower rates and after 20 years my loans would be forgiven. I was tricked into believing that forbearance was the only and best way to go. All the while they were charging me compound interest. I was also never told that the first three years after enrollment in income based repayment, many consumers are entitled to have the federal government pay part of the interest charges if they cant keep up. For 14 years I have been in forbearance and interest fees have been compounding a problem I already had - I CANT AFFORD THE MONTHLY PAYMENTS - especially with 2 of us in the same household with the same amount of student loan debt! This compounded interest equates to tens of thousands of dollars. This is an unfair and deceiving practice.
Product: Vehicle loan or lease

I paid off this vehicle back on XX/XX/2022. There was an overpayment of {$140.00}. Refund has still not been issued despite contacting the loan company and giving them my checking account information XXXX times. The last call was made on XX/XX/2022. They unable to give me an answer as to when my refund will be issued. Previous phone calls I made I was always given an excuse either they need my checking account information or their supervisor is in the hospital.
Product: Checking or savings account

I am a TDbank checking account user and keep receiving emails from them on a saving offer of 2.5 % APY after depositing over XXXX USD. I did open it on XX/XX/2019 and deposited XXXX at the time I opened it and finished all the requirement they set up, however, I still did not see the 2.5 % APY rate showing in my account after the first month 's bill statement which was confirmed through their online account message center. Actually, you can see in the promotion offer, they advertise that I will get the APY in 10 days. Anyhow, it has been about 30 days. I would not have opened this account and transferred my money from another saving with 2.25 % APY. and keep losing my money with the TDbank. Thank you for your help.
Product: Mortgage

I submitted documentation to the short sale Deed in lieu ( DIL ) specialist/ Veteran Affairs deed in lieu point of contact appointed by Bank of America ( BOA ) in XXXX 2011. I subsequently received and submitted notarized paperwork from the BOA attorneys working to complete the DIL. The expectation was that I would receive a final no further contact in form of letter when process completed, however I would receive 1 ) a release of the title ; 2 ) cancellation of the mortgage ; 3 ) record release of the mortgage ; 4 ) report cancellation of mortgage to credit reporting agencies as deed in lieu of foreclosure ; 5 ) report cancellation of debt to IRS ; 6 ) and final settlement paperwork upon request. I only received the XXXX IRS tax documentation with regard to the DIL. I did not receive my receive any of the other agreed upon items and when I requested the final settlement paperwork the attorney denied I had completed a DIL. Subsequently, I had the loan sold to another bank and the property was foreclosed after repeated attempts to complete DIL 's.
Product: Debt collection

XX/XX/2023 XXXX cst. Todd Bremer and lawson continue to refuse to take my phone calls to clarify what my account is. They've provided what appears to be a word document stating I owe them a balance but has not provided any details on how the balance was generated. I do not have any past balances on any accounts.
Product: Debt collection

Debt occurred from identity theft and the collection company didn't even verify this account.
Product: Student loan

In XXXX, I consolidated all my loans with Navient and was approved for the ibr with XXXX dollar payments for one year.. After, currently reviewing a copy of all XXXX credit reports I saw XXXX open accounts. I immediately contacted all of the original loan holders and I was told the loans belonged to Navient and any additional reporting was done by Navient.. I recently contacted Navient in XXXX and sent all the appropriate documents and a copy of my credit reports.. I never heard anything from Navient..I spoke with another Supervisor on XXXX/XXXX/2017 and I was told to furnish the documents and they would correct the reports which should show a Credit score increase. I also, spoke with Navient in XXXX about my loan currently rising on my credit reports, she said it was from the interest. I was advised to pay on the interest.. I immediately made the payment but when I received my report in XXXX the payment did n't reflect the balance and it had risen by XXXX ... I also asked about other options as far as how to get the loans payments to reflect on my reports and I was told that they would immediately. I also asked about my loans been forgiven since I own a non-profit business which is a service. The rep told me that they were not going to grant me any type of loan forgiveness and I was lucky to be have granted the ibr ... I have read the complaints against Navient buying, harassing consumers and negatively reporting inaccuracies on consumer reports. The information that was explained to me was n't the results that I am /expecting working with a company.. I could have chosen any agency to handle my loans but I chose Navient..I thought I made the best decision but per the news Navient is a fraudulent company who chooses to make it hard for consumers to become debt free.
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. 

Account Name : XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

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: Debt collection

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ONLINE IN SV ( Original Creditor : XXXX XXXX XXXX XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been enthusiastically working to rebuild my credit for over a year in order to buy a home and was just within reach when I decided to dispute an inaccuracy on a closed XXXX account. I had no idea that doing this would result in my score dropping 19 points because the closed, negative account was deleted. After looking online I see many other people outraged that Equifax is doing the same thing to them. ( Some having their scores dropped over a hundred points for having something deleted ) Nowhere was I informed that I risked my score dropping if I disputed an error. I never would have risked it had I known this was the case. I thought disputing an error was my right, not a punishment, and I would like to voice my complaint and request this behavior be investigated.
Product: Credit reporting

XXXX XXXX admitted that they were taking off my other credit reports after complaining to both XXXX and XXXX. Both of those credit bureaus plus XXXX decided it was wrong information. The reporter XXXX XXXX previously reported to this same Consumer Financial Protection Bureau as well as XXXX and XXXX that they were deleting this line item as it was false. XXXX XXXX even threw in the towel on these and stated that they are taking it off. It is evident that this was a commercial debt to a different company that XXXX Bought and tried to stick to my personal record even though it was a corporate debt with a different tax ID. The last attachment shows XXXX taking it off even without CACH throwing in the towel. Under my rights under the FCRA Equifax the only remaining credit bureau carrying this false information should investigate and take off immediately. For the last 2 years this has been reported wrong and I really do not want to take all parties to court. Yet we have all documents that prove XXXX is wrong oin ever putting this on my report
Product: Credit reporting or other personal consumer reports

I wrote to XXXX, XXXX XXXX and Equifax to correct the information that they were reporting and have it removed. XXXX somehow disagreed and Equifax and XXXX XXXX failed to respond within the time allowed. I filed a small claim against the three bureaus.
Product: Money transfer, virtual currency, or money service

Account Details Last Reported XXXX XXXX, XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$1300.00} High Balance {$1300.00}
Product: Credit reporting

I found out that my credit score is low because of an incorrect reporting. My report shows foreclosure when there was none.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Equifax charged my XXXX credit card {$19.00} for a subscription. What happened was that in XXXX, as part of an application to refinance our home I had to lift my credit freeze on all credit bureau companies, including Equifax. In order to lift the freeze I had to sign up, I did for 1 month of trial cost of {$4.00}. After XXXX accessed my credit report with Equifax, I cancelled the service online. I received confirmation, after I received the confirmation I went to my Equifax account to remove my billing info and check what charges I had on, it was only the {$4.00}, the charge, I wanted to remove my billing card after the cancellation for my own peace of mind, it didnt allow me nor gave the option to remove my billing card, many hours hours after I cancelled they billed my credit card {$19.00} and when I spoke to them more than once they said the charge happened before I cancelled, which is not true, they intentionally have their system rigged. 
When I called them XXXX time to make sure they understood what happened and asked for reversal of charges they refused to reverse the charge on my credit card. This was a complete rip off and an example of a very shady practice by this company. Respectfully, I thank you. 
ISSUE Problem with fraud alerts or security freezes HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes DID YOU REQUEST INFORMATION FROM THE COMPANY? 
No I WANT THE CFPB TO PUBLISH THIS DESCRIPTION O
Product: Debt collection

Online Information Services a collection agency for XXXX XXXX. Online Information Services list on all three credit bureau for me as a charge off for {$170.00} XX/XX/2017. And neither company can provide me with proof that this account is mine, they can not provide me with an agreement contract that bares my signature. I disputed this account with them on many occasion and still unsuccess. This account has damaged my credit for the last 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had a credit card with XXXX XXXX  XXXX. They closed my account without advising me or calling me in advance. I had automatic payments and when the closed it they also disengaged my automatic payment. Later they reported me late.
Product: Student loan

When trying to use Navient 's website and contact the organization or obtain forms they state are necessary for requests, one is returned to the sign in screen ( and is logged out ), and then when one signs in again, one is sent to the home screen. There is no evident way to actually send communication to Navient. When calling their number, I waited for 20 minutes -- -after being told the wait is two -- -and having never spoken to a representative, I was auto-switched to the post-call survey. I uploaded a letter from my educational institution using the function on Navient 's website to show that I am fully enrolled for the Spring semester. Upon receiving it, Navient notified me that they need proof that I am enrolled and have no such proof. The ironic thing is that what triggered this statement is the very upload I gave with the information. I have spent a day of my life trying to do a simple thing, request a loan deferment because I am enrolled in school after taking a semester off. Their website offers endless cycles and no help. If they are profiting off of my interest, the least they could do is provide an actual human being to speak to.
Product: Credit card

Tried to make purchase XX/XX/23 electronically from what turned out to be a spoofed website of a fishing tackle retailer ( I got this information of the actual business the " scammer '' purported to be. ) Who confirmed there was a fake website created to imitate them. 
I got a XXXX reciept in XXXX writing. I notified my bank USAA immediately that I tried to make a purchase and got a very strange reciept. They classified it as fraud dispute somehow, I never once said I did not try to make the transaction in question myself. I have been trying to get refunded on basis of never receiving a product for nearly 7 months, and they refuse to process as no product received dispute. I sent emails to " vendor email '' never getting a response, and have made 15+ calls to USAA trying to resolve this dispute and get my money for a product I never received. They have not provided me any clear direction as to what, I need to resolve this issue. I sent them all information via their online document submittal portal for bank disputes. Last conversation I had ( after 5 or 6 previous ) with their member problem resolution team stated, I would recieve further feed back I have not received anything since then. I somehow got refunded for a very similar transaction attempted tge day before the one on question on XX/XX/23.
Product: Mortgage

my mortgage company charge me late fee for the last nine months even if i only miss one payment and unable to refund the fee and continue to charge me a monthly late fee.
Product: Debt collection

pinnacle credit services has for the last several years reported a debt on my credit report which is inaccurate. the amount they show owed and date of services are only XXXX of the disputes I have made XXXX times last year and once this year and it is still being reported as accurate. upon calling them after the results of this years dispute I was told that pinnacle credit services does not speak to clients about their debt but, so it can be handled responsibly, but they would give it to someone else while they still are reporting it on my credit report, which in and of itself causes an inaccuracy on the credit report which would equate to it having to be removed or updated due that. upon asking for a supervisor on several phone calls from myself to pinnacle credit bureau, I was told they speak to nobody and my request to speak to someone from pinnacle management would be denied and upon forcing the issue as I am entitled to under the law I was hung up on by pinnacle credit service this year alone no less than XXXX times for demanding to speak to XXXX of their supervisors as to their conduct as it relates to the fair credit reporting act and its inaccuracies on my credit profile. They also attempted to give me XXXX different phone numbers to call in relation to XXXX showing of pinnacle credit service on my credit profile and could not even verify if any of these numbers had to do with the original creditor, XXXX wireless, which shows on my credit report. I allowed them to forward me to a convergent outsourcing whom told me they could not speak to me either as this situation as they put it is in " cyber limbo '' and nobody can speak to me because it is out of their hands and supposedly back in the hands of pinnacle credit service who show on my credit profile but absolutely refuse to speak to me about their name on my credit report. I informed them I was going to the FTC website and making a formal complaint in regards to this as it has affected my ability to obtain credit and it is inaccurate on many levels. Pinnacle Credit Services are a fraudulent company with many complaints for the same thing I am coming here about and when a phone call is made to them an automated message is given stating they will refuse to speak to anyone even though they are reporting things on peoples credit reports. This constitutes fraud and clear blatant violations of the FCRA and any and all measures must be taken to enforce the law and assist people like me who have legitimate disputes where these agencies care little to nothing and refuse to speak to anyone to fix situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX charged my credit card {$26.00} on XX/XX/2021 for services that I had not applied for and that I do not need.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXX XXXX XXXX, JPMCB CARD, XXXX XXXX XXXX  , yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXXXXXX, JPMCB CARD / XXXX, JPMCB CARD XXXX - Date opened XX/XX/XXXX, JPMCB CARD XXXX - Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Previously contacted Citibank on a range of issues stemming from their contradictory statements -- three statements for a single month -- and their very belated non-compliance with credit reporting guidelines. After multiple for letters from the bank, none of which were relevant, Citi changed tactics and inconspicuously & without explanation shifted the onus to me, the client. The bank should be heftily fined, reprimanded or otherwise disciplined. Meantime, Citi has effectively wrecked my credit rating -- and not once has discussed the dispute with the client. If I could afford the protracted time and exorbitant money involved, I would file suit. XXXX
Product: Credit reporting or other personal consumer reports

I recently relocated to the state of TN. I have debt buyers and collection agencies on my report that are not licensed in the state of TN. Also I do live in TN but XXXX has my address listed inaccurately. I can provide the address which I do not want shared with debt collectors and collection companies. None of the collection companies listed on my report are licensed to collect a debt from this state. I will take action towards this. I tried to dilute with experian but was unable to do so. Transunion XXXX and XXXX please delete these debt buyers and collection agencies from my report that are not licensed in the state of TN
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 XXXX XXXX XXXX. 

XXXX : XXXXXXXX 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, 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 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 According to : 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.