23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraud accounts on my credit report and I informed Equifax several times and there 's been nothing done about it, they told me to get a police report and I did and sent it to them and the items are still reporting. It has been a year and half now that I been trying to fix this issue. 

Credit File # XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$12000.00} XXXX/XXXX/XXXX {$12000.00} CHARGE-OFF {$12000.00} Reason for disputing : Fraud Account, I contacted the XXXX XXXX XXXX and said they cleared me from responsibility on this account however Equifax is still reporting this account. 

XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$0.00} XXXX/XXXX/XXXX XXXX DAYS PAST DUE {$500.00} Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX XXXX XXXX XXXX XXXX XXXX. I have never been late on this account. 

XXXX XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX {$4100.00} XXXX/XXXX/XXXX {$0.00} PAYS AS AGREED {$6500.00} Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX XXXX. I have never been late on this account. 

XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX {$1300.00} XXXX/XXXX/XXXX {$130.00} PAYS XXXX DAYS Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX, XXXX XXXX and XXXX, XXXX XXXX I have never been late on this account. 

XXXX XXXX Hide Details XXXX XXXX/XXXX/XXXX {$5300.00} XXXX/XXXX/XXXX {$0.00} PAYS AS AGREED {$5000.00} Reason for disputing : There has been fraud charges on this account and filed a claim with XXXX XXXX and they informed me not to make a payment till the dispute is in progress for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX I have never been late on this account. 


Fraud Inquiries XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Debt collection

I rent and art studio for {$XXXX} a month from XXXX XXXX, a nonprofit organization. On XX/XX/XXXX myself and another XXXX recieved an email from the manager of the warehouse property stating that not only did the property managements portal stop receiving payments 2 months prior, but that she had already referred our accounts to a creditor ( Transworld Systems Inc ). By doing this she admitted to not making any effort to notify me of the debt or to collect it prior to sending it to a collection agency. Attached is the email. 
I paid the debt the same day and the proof of payment for the two months and the current month ( XXXX ) is attached. The collection agency never contacted me and I assumed the issue was resolved. I just found out from another XXXX the name of the collection agency and that they were only sending debt collection attempts to the wareghouse space rather than my home address so I was unable to verify that the debt was even sent to them. I found the number of Transworld Systems Inc and called them, but they said that XXXX XXXX has yet to tell them the debt was paid or update them in any way. I have contacted XXXX XXXX and they sidestepped the issue by saying " the issue was resolved on their end ''.
Product: Debt collection

NCB is claiming that I owe them {$6400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting or other personal consumer reports

Experian Credit File ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never applied for any XXXX  XXXX consumer product. 

I applied for a XXXX credit card product via their website to pre-qualify for a SOFT PULL ONLY. I was approved but never accepted their offer. It clearly states on their website that if you accept the offer then there would be a hard inquiry, otherwise it would only be a soft pull. Screenshots are attached. Clearly states on website that there will be NO IMPACT to credit score. Hard inquiry dropped my score XXXX points.
Product: Debt collection

XXXX XXXX Filed False Paperwork into the county Records a crime PC115 causing a cloud on my title, Exhibit A XXXX XXXX Misrepresented themselves by substituting XXXX XXXX Exhibit ( A ) as Trustee then using TRUSTEE CORPS as a Trustee on other paperwork. 
XXXX XXXX took an action it was not legally entitled to take violating 1692 ( e ) ( v ) XXXX XXXX Failed to Disclose who the Foreclosing Party they allegedly Represented was ( Unjust Enrichment ) EXHIBIT ( B ) ( C ) XXXX XXXX used the courts and police & Sheriff Department to Forcefully Remove my from my Home by Filing False Court documents.
Product: Mortgage

I prepared a letter to  XXXX   XXXX   XXXX  dated  XXXX   XXXX ,  2017 to complain  about the horrible treatment regarding a mortgage refinance. As of today I have not received a letter regarding my concern. Out refinance loan  was denied. However, we did not receive a letter indicating the reason for their decision. I am very disappointed in M & T Bank because they have not responded to my concern in my letter. We have a mortgage with M & T and we completed an application for a lower interest rate, thus a lower monthly payment. I am sadden by their treatment to me and my husband. I requested a letter from their mortgage section a letter of denial. As of today 's date we have not heard anymore from M & T B ank.
Product: Money transfer, virtual currency, or money service

Hello ... .. I wrote through this platform some weeks ago and I got a response after my complaint was forwarded to Binance.US and they sent me a mail saying the will up lift my withdrawal lock so I can get my money out of the company to pay for my XXXX and some days later I tried getting on my account and they are telling my account is banned for no reason which my money is on there is like they are trying to go away with my {$2400.00} for my XXXX ... .. its been months now and I to keep on postponing my XXXX cause I dont have any money for it all I got is on my Binance.US account and they want to rob me of my money thats such a bad company to put money on .... all I want is just for them to give me my money ... My ticket id is # XXXX on my Binance.US company
Product: Credit reporting, credit repair services, or other personal consumer reports

I called  XXXX  who is the services my student loans multiple times to figure out why I have over  40  late payments on my student loans. I explained to the agent that my loans were in forbearance and deferment which means I was not obligated to pay the student loans those times because my payments were put on hold for the forbearance. The agent agreed that in  XXXX  my loans were in fact in forbearance, but  XXXX  would not remove the late payments. The agent then proceeded to tell me to contact the credit bureaus to see if they can remove them or wait the  7-10 years so they can fall off my credit report. I do no t think it is right to penalize someones credit worthiness by putting late payments on their student loans when they were not obligated to pay due to forbearance and deferment. I contacted all   XXXX   credit bureaus and asked if they can delete the late payments. They all declined and informed me that the original creditor would have to remove the payments. I feel as though this issue will never get resolved
Product: Credit reporting or other personal consumer reports

I am writing to dispute an entry on my credit report under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that all information provided to credit bureaus must be complete and accurate. It is critical that my credit report reflects the true status of my accounts. 

On my credit report, I noticed a report of a late payment fee on my XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, which was 60 days past due. Additionally, the account was closed as a result. I believe this information is inaccurate, as the late payment and closure were due to a misunderstanding and not representative of my usual payment history.
Product: Vehicle loan or lease

In XX/XX/XXXX I my mother ( XXXX XXXX ) purchased a vehicle for me. The finance company was Tidewater XXXX XXXX based in XXXX XXXX VA. The loans was for 60 months in term and XXXX monthly. So I had been using my debit card to pay every month. I started to run into financial difficulties in XXXX and then finally filed for bankruptcy in XX/XX/XXXX. 

There was a " stay '' that was in place to protect me for 90 days until the debts are discharged. Throughout the period from the time I filed on XX/XX/XXXX, I received several calls from Tidewater XXXX XXXX. I had two calls from them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX. They left messages on my voicemail demanding payment on every occasion. They also sent me a letter " Congratulating me on my Fresh Start with my bankruptcy ''. They also offered me {$15000.00} to purchase a new vehicle. They knew I filed bankruptcy. 

They finally came to repossess the vehicle on XX/XX/XXXX. I called them on the date of this complaint and they did could not give me information because I was not the owner of the loan is what they stated. So I asked them to return the payments that I had paid. They didn't say anything. So I notified that I would be filing the report. They violated the bankruptcy stay order.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting act XXXX  Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

XX/XX/year> I sent {$650.00} to experian from my XXXX  because some companies wont take XXXX and when they wouldnt let me have access to my money I got angry and cancelled my service so now they say I have to wait 30 days to recieve my money back by check instead of sending it back through XXXX  like the recieved it and now my bills are going to be delinquent because theyre taking their precious to return my funds and I feel like its intentional.
Product: Debt collection

CREDIT MANAGEMENT , INC opened an account fraudulently. I have no knowledge of this account and did not open it therefore I am not liable for it. I wish to have this account removed from my credit profile. 

Date opened XX/XX/XXXX Status Collection account. {$270.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$270.00}
Product: Credit reporting or other personal consumer reports

I would like these accounts deleted and removed within 7 days as they are fraudluent accounts 15 USC 1681 Section 602 states I have a right to privacy 15USC 1681 Section 604 ( a ) Section 2 states a credit reporting agency can not furnish an account without my written instructions.

15USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

IC Systems representing XXXX XXXX XXXX I paid the debt in full. ( XXXX ) and IC Systems has charged my debit card XXXX! For a total of over XXXX US dollars. This is absolutely unprofessional and what I consider theft! I spoke with XXXX at ext. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting that you include the following fraudulent items to be removed from the Credit report. 

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

Upon attempting to obtain my credit report online, website states it's unable to do so and directs me to obtain it via mail. No reason given as to why. 

Furthermore, Equifax ask for identity verification info from over 12 years ago.
Product: Debt collection

Failing to honor a mandatory arbitration clause in my credit card agreement. I received a summons on a debt from Midland credit and immediately requested arbitration. They continued with the lawsuit against me and we arrived at court on XXXX XXXX. The lawyer representing them is XXXX XXXX XXXX. I brought a copy of my agreement obtained from XXXX He immediately questioned the validity of of that agreement because it was dated XX/XX/XXXX. I went home and printed yet another agreement from XX/XX/XXXX, both having the same arbitration clause. He is now asking for summary judgment and I have a new court date of XX/XX/XXXX. He is also claiming his client may be in TILA violation and submitted the wrong agreement on cfpb.
Product: Credit reporting or other personal consumer reports

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system 15 US Code 1605 " Definition of a FINANCE CHARGE '' OFF XXXX XXXX XXXX Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment and installments 15 US Code 1635 Right of Rescission
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 name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate.
Product: Debt collection

XXXX XXXX turned an overdue bill over to Optimum Outcomes on XXXX/XXXX/XXXX for {$230.00}. On XXXX/XXXX/XXXX XXXX was paid and they requested Optimum Outcomes to return the account, ( XXXX ). The recent credit report still shows that the Optimum Outcomes have it as an outstanding debt, when in fact it is not. Optimum Outcomes shows a zero balance so they need to remove the entry from my credit report. XXXX XXXX XXXX
Product: Debt collection

I have recently found a collection from you on my credit report. Under my rights under the Fair Debt Collection Practices Act, I am requesting that you validate the alleged debt with the creditor and balance listed below : Medical Facility : XXXX XXXX XXXX XXXX Balance : {$37.00} Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to the above medical provider to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to 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 confidentiality under 15 USC 1681. 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. As well as 15 U.S.C 1681b Permissible purposes of consumer reports. 

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XXXX  Inquired on XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report.
Product: Student loan

I have sent in XXXX IBR ( income based repayment plan ) applications. XXXX were denied as incorrect, XXXX were " lost '' and simply do n't appear or were simply not responded to. I finall got them to acknowledge they received on on XXXX XXXX 2016. I talked to operators XXXX and XXXX. 

the call to XXXX was disconnected while she put me on hold. 

The call to XXXX resulted in her stating that they ca n't give me a mandatory deferment, because " there 's no breakdown. ". 

I think right there is a violation of honesty and law because the definition of a mandatory breakdown is that if you are qualified they MUST give it to you. 

I asked what a Breakdown is, and it turned out that they want paper documentation of my income although they already had a faxed copy of my income as Of XXXX XXXX ( verifiable with XXXX receipt. ) So I guess my complaint is : 1 ) On XXXX XXXX, on or around XXXX XXXX XXXX XXXX initlaly lied about the availability of forbearance. Mandatory forbearance is available. 

2 ) When I told her there is something called " Mandatory Forbearance '' is available, she said " You ca n't get it because there 's no breakdown. '' Which is also false. 
I could get it, she admitted after I asked her what a breakdown is ( paper documentation of income ) that it was available. 

But Navient goes further and make it deliberately difficult to get the form required. She would not email me the form, nor admit that the form is easily available on their web site. 

She said I have to wait 24-48 hours until they place the form onto the web site, and then log on to my account to get the form. 

The choices below are naive -- " Having problems with customer service '' really means " Executives are deliberately putting in place obstructionist procedures. '' Their malfeasance in order to deliberately " string out '' loans to collect interest longer before the 25 years forgiveness may amount to fraud against the Federal Government.
Product: Student loan

Navient is counting my income as my husband 's income, and he is a XXXX. Navient says we have to file taxes separately in order for my income to not count as his, but he has NO income and he is my dependent. How does that work? His payment was {$110.00} a month and now is {$330.00}. Both Navient and XXXX moved us from an IBR to ICR this year, and I can not figure out why. We spend {$XXXX} a month on our son 's XXXX, plus whatever XXXX bills I may have. With what Navient is charging for my husband 's payment plus my payment, we are paying over {$1000.00} a month on student loan payments. I bring home less than {$XXXX}. We can not pay this amount for my unemployed husband. He has no income and it is a double charge for my income to make him pay based on my income. Navient has been threatening to charge him even more. I can not figure out how to get help, and Navient is being incredibly awful to my husband. With the XXXX, we do NOT need additional XXXX and we are not going to be able to survive with the payment they have assigned him based on my income. We had to complain about Navient before ( last year? ) for being even worse and telling my husband to falsify a government document. I do n't know how to get Navient to reduce my husband 's payment. How can it be right to charge me twice on an ICR ( which is supposed to be an IBR plan )? He has XXXX income.
Product: Checking or savings account

On XX/XX/XXXX, there was already a person trying to replace my debit card in the XXXX XXXX Chase bank and it cost {$5.00} on my card for the express delivery fee, but this action was unsuccessful. On XX/XX/XXXX, someone deposited a fake check with an amount of {$2300.00} and transferred {$1500.00} from my daughters account to my account. Then, this person went to the bank with my ID and withdrew {$3000.00} right away. The signature on the withdrawal slip was different from my signature. The Chase bank employee didnt double check the signature on the withdrawal slip with my signature and gave the money to the unknown person. Before this event happened I already warned the Chase bank and told them to make a note about if anyone wants to withdraw money, must show both my green card and ID. Its the banks employees issue that they didnt check my notes on my account. At the moment we found out our money was gone, we had contact the bank directly. But they didnt ask for anything just tell us to wait for the investigation results. Suddenly, the chase bank ask us to had the police report in order to continue on the investigation. After a long process, we fax the police report in one of the Chase bank, then they just tell us to wait. We tried to call in every few weeks and the answer they gave us was our case already close and it wont be reopened again because we didnt provide the police report within 60 days. This is unfair and irresponsible because none of the employees had mentioned this in the pass before and all the time when we called in they always gave us a perfunctory response.