23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Navient Corporation regarding their failure to update my account information and the inconsistent information provided by their representatives. 
To provide some context, my account with Navient has been in forbearance for a or XXXX and XXXX, during which I expected my account to be reported as " current '' or " paid as agreed '' on my credit report. However, my account being forbearance due to XXXX XXXX has failed to update my account accurately, resulting in a negative impact on my credit score. 

Furthermore, I did receive the notifications of any late payments or delinquency on my account. As a responsible borrower, I have always been diligent in managing my finances. It is concerning that Navient did not inform me about any issues with my account, as I have the right to be promptly notified of any changes or concerns regarding my loan. 

In an effort to rectify the situation, I have contacted Navient multiple times to request that they update my account information. However, during each call, I have received conflicting and inconsistent information from their representatives. This lack of clarity and inconsistency has further exacerbated my frustration and made it difficult for me to understand the status of my account. 

I appreciate your attention to this matter and I kindly request your assistance in resolving this issue. 

Thank you for your time and consideration. I look forward to a satisfactory resolution to this complaint. 

Yours sincerely, XXXX XXXX
Product: Checking or savings account

I am trustee of an insurance trust, which holds two life insurance policies on my father. we have {$600.00} in an acct at XXXX. Axos bank advertised a desire for business accts and a {$100.00} bonus. they also advertised a fast online process. 

on XX/XX/XXXX I applied online. In that app I provided ALL requested information. at XXXX XXXX I recd email from axos stating they were in receipt, and asking me to upload 3 docs. I had provided those exact docs a few minutes earlier, so our timing just crossed. 

XX/XX/XXXX XXXX recd email with docusign. I signed all docs, which were app, sig card, certification, etc. At XXXX XXXX I recd email stating that my app was assigned to XXXX XXXX. I immediately called him and was able to get in touch. We discussed next steps and focused on the timing of the ach which was a draw from the XXXX acct. I was eager to get funds out of XXXX to avoid another monthly fee. XXXX said he would let me know by calling the next day the timing. THIS WAS THE LAST TIME THAT I HEARD FROM HIM. 

at XXXX XXXX I recd emailed signed documents that I had previously signed. 

I heard nothing until XX/XX/XXXX, an email from axos telling me to logon for a secure message. the message asked me for the same information that I had provided 2 times : first in the initial app. second on the docusign documents. ( my driver 's license, address, email, etc ) I informed them that they had the info but provided it again, and again uploaded my driver 's license. this concerned me that something was off in the processing. 

I waited a few more days, still heard nothing. so I used the service they provided and setup a calendar appointment with XXXX for monday XX/XX/XXXX at XXXX XXXX. this appt was confirmed. and was a wk after app with no new info and no status update. XXXX failed to call me so the appointment did not occur. 

so on XXXX at XXXX I emailed XXXX and summarized the above events, and his failing the appt. I did not hear a response and still two weeks later nothing from Axos. 

Axos is not required to accept my money. I realize that. but they actively solicited and on same day of app moved very qkly. then just stopped. if there was an issue with my acct that they did not like or want, that is their perogative, but they did not say anything. that was my frustration. so I went to XXXX and XXXX and both places were able to open an account within 24 hrs with no duplicative requests for information. 

I no longer want anything to do with Axos but I'm filing this complaint because I'm exposing their behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX ) Police Department. Ive also mailed in certified letters to XXXX. I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all 3 bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX, consumer protection Law firm ( XXXX, FL ) He notice several instances where XXXX  are in non-compliance with the FCRA. Im a victim but Im treated as if Im nothing. XXXX  continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that XXXX  did not go through the original furnisher to verify these accounts are mine and they must do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. If XXXX  fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As XXXX  has violated the FCRA.. XXXX  has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by ( XXXX XXXX ) These individuals are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they continue to report. We are seeking full damages We feel these individuals have not assisted in making sure their respective bureaus are in compliance 1.BULLCITY FINANCIAL SOL Original creditor : XXXX XXXX XXXX  {$110.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX 2. XXXX XXXX XXXX Original creditor : XXXX  XXXX {$75.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX  {$450.00} Balance updated XXXX XXXX, XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX
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 Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXXXXXX XXXX  XX/XX/2023 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

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

Please help this company does not care about what they are reporting. I have sent in these request to remove these inaccurate things as quickly as possible.
Product: Mortgage

Rocket sent me email XX/XX/year> stating my XX/XX/XXXX payment was over due. I sent email including copy of my check # XXXX for {$2300.00} like I do every month for over a year for XXXX {$2200.00} + {$76.00} extra toward principal so check is even {$2300.00}. It even states that on the check ( copy ) I sent them in email so clear as can be. They respond with ''Do you want the part of this check ( that was put on principal ) to be your XXXX XXXX payment? '' I said, " Yes, like every month. Why would you suddenly do this and add a late fee and applied my entire check to principal and then tell me I have not paid my XXXX XXXX payment??? I send a separate check during the year to be put on my escrow account because they told me I had to do it that way. I told them they need to hire accounts receivable people that know how to handle the finances!. I checked again just now and they show I currently owe {$4400.00} due XX/XX/XXXX. I've already sent my XXXX. XXXX check ( early as always ) for {$2300.00}. They don't seem to care to fix this and I am XXXX and am so frustrated by them and their juvenile emails. I don't need this kind of harassment if you will. I pay so there should be no problem, no harassing emails.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Equifax have all reported my credit score wrong some of injuries, My credit score never goes up only goes down I've had a XXXX score for A year and a half now That's all the keep reporting my score yet
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

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

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, the 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 XXXXXXXX
Product: Debt collection

I got a phone call from a lady who identified herself handling my case file her and that she was about to file my case in court if I did not respond today. I did not catch her name and she did not state her company details. 

She gave a call number XXXX. 

When, I called that number, an XXXXAmerican  male answered and after confirming my identity, he went on tirade on how I came form XXXX to try to rip money off people in America. That some have been looking for me and are about to throw me in jail. 

He reconfirmed my address and that if i did not respond immediately some XXXX people are getting ready to throw me in jail. However, he was ready to help me only if I could calm down. However, since I could not get him to state who he really happens to be or who his employer is, except to say that I owe money to XXXX XXXX who has been looking for me everywhere and were coming for me right away, I had no no choice but to hang up.
Product: Money transfer, virtual currency, or money service

Customers of a local XXXX restaurant here in XXXX XXXX, XXXX 's in XXXX XXXX, have been seeing random charges hit their debit and credit cards. The restaurant uses the Clover POS system. The restaurant is claiming that customers who visited between XXXX and XX/XX/2021 were not actually having their cards charged due to " payment processing errors. '' They now claim they are " catching up '' on charges from months ago. To consumers, who don't remember they ate here months ago, are of course just seeing the charges and thinking they are fraud. In addition, there was no warning or communication that they would be charging customers cards well after their visit to the restaurant. As a consumer I am concerned that a merchant can maintain my card information so long after a visit and effectively charge my card without me being present. This seems borderline illegal, especially because these charges could result in consumers being hit with overdraft fees not expecting these charges to hit.
Product: Vehicle loan or lease

I believe I am a victim of predatory lending practices.When I financed the car total amount of the loan at the beginning of the term was approx. 23K with starting pmt of {$520.00} beginning XX/XX/XXXX. I have had 2 times of being over 30 days late, paid the late fees and caught up. As of XX/XX/XXXX The loan amount is XXXX The APR is XXXX and I have asked multiple times on several occasions to reduce the loan APR or to have it refinanced and XXXX representatives stated that they do not offer any reduction services.I receive anywhere from 4-6 calls a day 4-5x a week from XXXX XXXX XXXX. After I make arrangements to pay they still call me and ask me to verify my employer and I have verified my employer 2 times in the last month and they continue to ask. I am 26 days past due and pay anywhere from 100-400 every week and I am not catching up due to late fees and interest. I do not want to let the car go, I want to make good on the loan but being upside down to the amount of more than the car is worth is just mind boggling to me.
Product: Debt collection

I have never signed or agreed to do business with the company know as Credit collection services I requested debt validation which is required as per article 15 usc 1692g which I never received any response. I am requesting that due the fact of them not being able to validate this debt I am requesting it to be immediately removed from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible I the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under 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 : is also states a consumer reporting agency can not furnish an account without my written instructions XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, MA XXXX Available Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX, XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, MA XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, VA XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX, XXXX, MD XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Debt collection

I am the XXXX of a mid-sized XXXX XXXX in XXXX NY. On XX/XX/18 was notified by a co-worker that XXXX XXXX from XXXX XXXX XXXX needed me to call him about a collection and that it was very important that I call him back. 

I returned the call to Delta and was asked numerous personal questions - which I refused to answer for fear of identity theft - and was then told that it was important that I cooperate because the issue was time sensitive and that it was going to be adjudicated. 

I was finally placed with a supervisor, XXXX XXXX XXXX, who stated that this had to do with an educational loan. I graduated 25 years ago and we finally agreed that the debt was not mine. She stated my name was common - yet knowing that they felt comfortable calling my place of employment, causing personal embarrassment - rather than seeking to contact me via mail, or using my personal number. 

In looking at this agency, ( EIN XXXX ) they have a long history of abusive practices.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : -
Product: Vehicle loan or lease

XX/XX/year> was date of denial I contacted the XXXXcedes Benz finance services department and was told that they have nothing to do with the approval or not but they sent a email stating they wasn't able to pre approve me when I referenced 15 USC 1611, 15 USC 1691a ( b ) discrimination is a crime violation of truth in lending act is a crime given false information also is a crime and the dealership said that the finance company which is Mercedes Benz finance services asked for down payment which is violation of 15 USC 1605 no comparable cash transaction necessary when finance charge is present
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 to be updated. 


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 TRANSUNION 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! 


Update the late payments from my consumer reports
Product: Credit card

I am currently an American Express Business Platinum card holder. For almost the last month I have been unable to use any of Membership Rewards for travel purchases or transfers. I have contacted American Express multiple times and am continuously transferred to multiple departments, all telling me different reasons for why the site is down as well as different time frames that it should work again. I have not received any call backs regarding the issue and am now going on almost 30 days of being locked out of using any membership rewards points I have earned. At this time the only help I have been offered is to have their 'travel team ' book my travel for me for a fee. It seems ridiculous that AMEX has locked me out of my account and is forcing me to pay a fee to book travel that I should otherwise be able to do for free on my own via the amex travel site.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, My name is XXXX XXXX with last SS # XXXX lives at XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XX/XX/XXXX. I have found the information from my TransUnion credit report is incorrect that shows collection of {$260.00} from XXXX XXXX. 

The fact is, on XX/XX/XXXX I was scheduled to see my primary doctor at XXXX XXXX XXXX in XXXX, XXXX XXXX for sick visit. And later I received bill shows {$200.00} my responsible for it and my mother helped me contacted them to find out why I got bill for because I know it was covered under my health insurance. And I was told that charge for out patient fee. And I made this clear to register office that bill is not correct for charge because I was scheduled to visit the doctor. 
This is not fair to me. I hope CFPB may help to solve this matter. 
I look forward to hearing your resolve. 

Thank you. 

XXXX XXXX. 
my contact information : XXXX XXXX