23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was attending the school for almost a year and never finished my education was making payments upon the loan as agreed but the school had been closed down due to fraudulent charges against students and i felt as though I shouldn't have to pay anymore money into a school I did not finish and closed down due to fraud I've tried to settle these accounts but the settlements that they want I think is unreasonable and I refuse to pay them. As this has gone on for almost 10 years, it has taken a toll on my credit score and don't damage that I need reversed. I believe that the amounts should be forgiven and i shouldn't have to pay another cent to these people.
Product: Mortgage

Weve had numerous issues with USBank on this loan modification. 

Most recently, USBank has refused to take additional income into consideration, even though both sources of additional income live in the home and contribute financially on a monthly basis. 

We have sent them this documentation on XX/XX/18 and XX/XX/18. On XX/XX/18 USBank denied the loan modification request. They claimed they had taken all provided income into account in the loan modification review THIS IS A LIE USBank did not take ANY additional income into consideration for this loan mod review. The net proceeds of XXXX and his wife is {$4400.00}. US Bank LIED to us on a recorded line, said that the wifes income was included but that they only made {$3100.00} ( see attached pay stubs. ) We were also dissuaded from filing an appeal with the person calling us telling us that only one appeal or complaint could be filed on a loan EVER. Once again. This is a BOLD FACED LIE and the true mark of an organization that has targeted minorities for foreclosure. We believe that the reason for telling us not to file an appeal was so that there would be no record in the file should this file be audited in the future. 

US Banks track record on this file is less than stellar. This file was started as a loan mod and someone at US Bank didnt think that a XXXX borrower was worthy enough to complete a loan mod review on the file and decided to move it into short sale on their own. Once moved back to loan mod there has been one delay after another. 

Now, we expect US Bank to deny everything on this. It is what you do. But for an added bonus we will also be submitting this complaint to Californias Attorney General. I really am sick and tired of every file we have with your company ends with US Bank attempting to commit a servicing violation or outright fraud. 

I want the loan modification to be reviewed with ALL of the income that was sent to USBank.
Product: Checking or savings account

Disputed Amount : {$98.00} XXXX XXXX has refused to properly address several issues pertaining to my account. the previous issue pertains to my credit card and i will be refiling that dispute later today.

this ins now the 4th months I have called them, told them to STOP allowing XXXX to charge my account as I do not personally have an account with them and they CONTINUE to allow them to withdrawal funds. i have stated and called month after month notifying them TO STOP ALLOWING THIS COMPOANY TO TAKE FUNDS FROM MY ACCOUNT and they continue to allow this.

They refused to address the issue this month, I have opened claims and called, and they simply turn the other way. my account is now overdrawn and i am unable to access MY MONEY that I worked very hard for.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 XXXXXX/XX/XXXX
Product: Mortgage

Loan number :  XXXX  Mortgage company :  Specialized Loan Service ( SLS ) B ought this property in  XXXX   2014  at {>= $1,000,000} ( with PMI ). 15 year fixed and I made some additional payment ( now, the outstanding principal is {$340000.00 } ( lo w to value ratio is below 78 % ). I sent every required doc to SLS and asked them to cancel PMI. They did another round  appraiser ( Broker Price Option, BPO ) and rejected my application. The reason is that they gave an estimated value of {$420000.00}. What they did is ridiculous : they compared my home with recent sal es with much smaller size and lower selling price. If they compared with similar model, no hom e ( same model as mine ) was sold below {$460000.00}. It is simply unfair comparison. Any one has basic  statistic training knows the the importance of picking right sample.     Plus,  XXXX  estimate for my home is around {$530000.00}. Even thou gh it may overestimates, I can not believe they came with this number.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$13000.00} XXXX XXXX  Balance {$0.00} XXXX XXXX  Balance {$5000.00} XXXXXXXX XXXX XXXX Balance {$3800.00} XXXX XXXX Balance {$7900.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance {$1600.00}
Product: Student loan

I called Navient customer service on XX/XX/XXXX to verify that I was making a payment in full on my Loan XXXX and I wanted to make sure that Navient did not move the payment in full in the amount of {$1600.00} to the other loan, Loan XXXX which has a much larger balance. I was assured that my payment would be applied as I had entered online on XX/XX/XXXX. On Monday, XX/XX/XXXX, I logged into my account to verify that Loan XXXX was paid in full and LOW AND BEHOLD Navient customer service had lied to me again. The payment assigned to Loan XXXX was moved to Loan XXXX and only the monthly amount was applied to Loan XXXX. Needless to say I was furious and called Navient Customer Service and had to argue with the customer service representative to move the payment back to Loan XXXX and even had to threaten a lawsuit before she fixed the payment. How does Navient keep getting away with these ILLEGAL practices. I also had applied to have my consolidated loans forgiven because I work for the government and have worked for them for 13 years but my loan forgiveness was denied because when Navient consolidated my loan, they consolidate it into a loan that did not quality for loan forgiveness and once again Navient acting ILLEGALLY because I specifically asked for the consolidation that had the potential to be forgiven in the future. I was never given income driven payment option in XXXX when I had lost my job due to an XXXX and almost {$4000.00} in interest was added to my loan. Forgive my loan since I have worked for the XXXX XXXX XXXX for 13 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

For almost a year now I've been in contact with the credit bureaus about inaccurate items that have been reported to my credit profile. It has left me with a tremendous amount of stress due to the fact that I can't get approved for what I need to get approved for. They are in violation according to Congress and I am ready to file for litigation if necessary. The accounts are unauthorized, and I didn't approve of the accounts. I need these accounts removed immediately. It's been over 45 days when I suppose to have heard from them in 30.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity.

I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I will file a complaint right away!
Product: Credit reporting or other personal consumer reports

I am aware of all rights that I have and that are protected by Congress under the Fair Credit Reporting Act. The credit reporting agencies XXXX and Experian have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, Section 604a, Section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I was a member of XXXX XXXX in XXXX NJ for 15-20 yrs. The only contract I signed was in my first year. My method of payment was automatic credit card reduction. On XXXX XXXX of this year, I decided ( along with my wife ) to switch gyms. We informed Golds on XXXX XXXX. I called Chase XXXX on the XXXX to inform them to stop payment of any further transactions from this vendor. My next payment was due on the XXXX of XXXX and my wife 's next payment was due on the XXXX of XXXX. 
Sure enough, on the XXXX of XXXX, I received a notification on my phone that a payment was authorized. I immediately called them to inform them that the payment was made and they assured me that it was only pending and that there was a dispute in process. Sure enough, on XXXX XXXX, the next payment was subtracted. I called them again and they once again claimed that it was a disputed charge and would be taken care of. Finally, on the XXXX of XXXX. I received my bill and the charges were on my bill. Again they told me that the charges were pending and a refund would be given if they could get the funds back from the vendor. Since there has not been a contract in many years, I should automatically be put on a month to month basis and not required to abide by the 30 day exit period. I feel that Chase XXXX chose the vendor over me, when in fact, the dispute should be between the vendor and me. XXXX should have cut off the vendor when I requested and let the vendor come to me with any complaint.
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( 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.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Re : Identity Theft Dispute and Failure to Acknowledge Accounts Dear Consumer Financial Protection Bureau, I XXXX XXXX am writing you to file a complaint against TransUnion and XXXX for their failure to acknowledge and address the identity theft accounts that I reported multiple times. Despite providing an Identity Theft Report and the necessary documents, the following accounts have not been acknowledged or investigated by the credit reporting agencies : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX These accounts were included in the disputes I submitted dating back as far as XXXX of this year. This puts them well outside of their XXXX threshold. I have sent the Identity Theft Report and supporting documentation multiple times, and it is deeply concerning that TransUnion and XXXX have failed to acknowledge these disputes or initiate an investigation. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681i, I request that any account listed on my credit profile due to this identity theft inquiry be immediately removed while under investigation by your company. It is crucial for my financial well-being that these inaccuracies are rectified promptly.

Furthermore, I would like to bring to your attention that, as per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four days from the receipt of this affidavit to resolve this matter. I expect a thorough investigation and resolution of the identity theft accounts within this timeframe.

Enclosed with this letter are copies of all relevant documents, including : Identity Theft Report Dispute letters submitted to TransUnion and XXXX Proof of delivery and acknowledgment ( if available ) I appreciate the Consumer Financial Protection Bureau 's intervention in this matter and request that you investigate and ensure compliance with federal regulations. 

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX Please see attachments below
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. I've contacted the bureaus in reference to inaccurate information and they didn't respond and didn't address anything. Please see attached FTC report.
Product: Credit card or prepaid card

My Bank of America credit card/credit information was stolen and three ( 3 ) fraudulent purchases were made ( XX/XX/2018 ) with my card. I reported this to the bank within a few days and they have only responded one time stating the card was present at teh time of the transaction and failed to credit my account for the fraud. I submitted a police report as well with the XXXX, TX police department regarding this fraud/theft. I resubmitted a second request ( XX/XX/XXXX ) for the bank to look at the fraud case and they have failed to respond in writing or by phone over 30 days. The bank is not providing a timely response, not providing sufficient phone or email support to remedy my case and not protecting the card holder credit information with authorization security features.
Product: Student loan

Hello My name is XXXX XXXX, I enrolled A student loan From NAVIENT for {$17000.00} With XXXX XXXX XXXX. I've been paying them {$500.00} a month to build up my account and they would negotiate a settlement with them. I followed the creditor 's Instruction 's to the letter, but they won't listen to reason. This has been going on for the last 8 month 's. They called my house 10 time 's a day, I submitted a cease and Desist letter, they stop calling the house. Now they Email me 4 times a day, have called everyone in my family, my son 's, my In-laws my parent 's. Now Today they threatened with Default this Friday. I reminded them about XXXX XXXX XXXX Program, they tell me we won't deal with them, we want the loan paid in FULL, NOW!!! They won't listen to reason. I Keep reporting them to XXXX XXXX XXXX, send them all the email 's, tell them about the Threats, now XXXX told me to file a complaint with you, I don't know what else to do. Please Help me if you can. Me and my son have Paid almost {$150000.00} dollars worth of Student loan 's off, but NAVIENT is the worst company I ever had to deal with. My Son XXXX Got his XXXX  In XXXX  and is working XXXX XXXX, In XXXX GA, We are Paying every loan that we got Back. He Pay 's almost {$2000.00} dollars a month, and I pay {$600.00} a month, but NAVIENT doesn't Care!!! They are Very Belligerent! Please Help Us if you Can, Thank you.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Please make everyone aware of horrific tactics used by DMB Financial , LLC. I signed a contract with DMB in 2018 to assist me in debt management. I paid DMB monthly payments, and was asked to follow a process of not making payments to my creditors, not answering my creditors phone calls and signing over my authority to work with my creditors to DMB. Sadly, DMB ended up asking me to take back several of my accounts and they did not finish the rest of my program. They wanted me to continue with additional payments, which I can not afford because I had to fix the mess and much larger balances on the accounts I had to take back because of DMB. I also was sued by three creditors in the process. Also, in checking my credit report, I found out that DMB had reported a check lost in the mail excuse to one of my creditors, who charged off my account. Now, I have been rejected for an apartment due to my credit status. I am heartbroken that I ever believed this companys lies to me.

Essentially, I was managing my credit and had a good credit report before DMB. Now, my credit is a mess. I simply do not know how to fix what DMB did. I can not believe I PAID this company to ruin my credit.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Has violated my rights. 
15 USC1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under a open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

There are inaccurate accounts I want to remove
Product: Credit card

I recently went on a trip aboard at the beginning of XX/XX/year>. For a week I was aboard and I used my AMEX credit card for purchases. When I returned, I checked my online account and noticed each use of my card aboard had resulted in a XXXX  transaction fee, totalling over {$70.00}. I was not aware that using this card would result in these fees. I contacted AMEX to resolve the issue. I explained that I wasnt aware of foreign transaction fees on this card and had I been aware I would have used a different card on my trip. I requested a refund of the fees but AMEX would not do so. I attempted to escalate the situation to a supervisor and explained but AMEX would still not provide a refund.
Product: Checking or savings account

In a matter of 60 days my Wells Fargo XXXX checkings account was XXXX XXXX
Product: Vehicle loan or lease

I was laid off as a supervisor in XX/XX/year> I started drawing unemployment I pay child support on XXXX child and they were taking {$660.00} out of my check monthly. Well when I got laid off I got to draw unemployment until XXXX and we were only taking {$130.00} a week in child support and it got me behind my caseworker never would return your call or even when I went up there see me. I've been to 5 times in the past 5 months and trying to keep a roof over my wife and her daughters head and mine I started my own buisness just to make at least grocery money, my minimum child support payment of XXXX . And the XXXX payment is no big deal when you're paying a lawyer and had to fire gher because she was horrible. So to get back on track if AMERICAN CREDIT ACCEPTANCE could work with me till i get This straightened till my 6th court date in The middle of XXXX. Thanks we only have the XXXX as of right now we don't have the extra money to fix my truck.
Product: Credit reporting or other personal consumer reports

I really would like all of my accounts looked at. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX Your company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( 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.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]