23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I submitted all required documents for an income driven repayment plan by the deadline of XXXX. They received the initial application via the website portal. Since my income had changed from the previous year, I then faxed over my proof of income to their fax number. They did not update my account and did not notify me that they did not have the complete application until XXXX when they stated by IDR was denied and I owed {$1500.00}. I then contacted them and they told me I just needed to upload my proof of income. Since they claimed they did not receive my initial fax, I uploaded a document through the website per their instructions. They then updated my account for the future payments to accurately reflect my income but refused to update it for the month of XXXX and state I still owe them {$1500.00} for that month. My income has not changed at all. I submitted the initial fax by the deadline. They did not inform me they did not receive the complete application. They told me I just needed to upload proof, which I immediately did. Now they will not update my account and are trying to say I did not file within the deadline, except I did. It is not my fault someone in their company did not update my information with the initial fax that I submitted with my application. And now they are refusing to be held accountable and simply update my account. If they are not going to man the fax machine, that should not be an option to submit documents. This was in no way my fault and I have repeatedly explained the situation to them and asked them to update my account, as they are required to do. I have fulfilled my end of the financial agreement. They are not.
Product: Debt collection

Friday XX/XX/XXXX at about XXXX cmt, I was contacted by XXXX from Bayside Capitol Services LLC by a phone call on my brother 's cell phone. I spoke to the man and explained that I am XXXX XXXX. He kept talking and even speeded up. Then he did explain the debt and I am not disputing that I do owe it. So I asked if he would contact me through email due to my XXXX. He said that there were important documents that would be delivered to me at home. He asked when I would be home. I told him Monday XX/XX/XXXX after XXXX cmt Then I asked again for those to be emailed. Today. XX/XX/XXXX the same man called my brother 's cell again and left a message, then he called my work and spoke with the HR department. They delivered his phone number to me. I finally received an email with a .pdf file attached this .pdf stated that I had already agreed to a set payment amount and set dates of payments for the next 8/9 months until the amount of the debt is paid off. I did not agree to pay any amount nor have I signed off on any paperwork from this company.
Product: Credit reporting or other personal consumer reports

I HAVE ACCOUNT REVIEW INQUIRIES ON MY REPORT THAT TRANSUNION REFUSE TO LISTEN TO ME THEY NEED TO REMOVE AND DELETED THE REQUESTED INFORMATION ON MY CREDIT REPORT PLEASE HAVE IT REMOVED CFPB PLEASE HAVE THEM TO REMOVE THE ACCOUNT REVIEW INQUIRIES PLEASE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX Account # XXXX Credit Limit {$8500.00} Account Holder : XXXX XXXX XXXX TO XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX {$9900.00} I do not agree that my XXXX XXXX XXXX was ever as high as {$9900.00} and am certain if I had ever charged over my {$8500.00} credit limit, XXXX would have notified me and I have no records of them doing that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Inquiry by XXXX XXXX XX/XX/2020 is still shown on my EQUIFAX Report. I have disputed this directly with EQUIFAX 5 times but still has not been solved ; they kept saying that the inquiry is factual. This inquiry was unauthorized, which I already contacted XXXX myself to let them know. They told me that they had sent the info to all three credit bureaus yet the inquiry still remains on EQUIFAX. It should be removed since it was unauthorized ( somebody used my identity trying to open an account with Verison ). EQUIFAX what else do you need from me to work on this? It is very frustrating. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and to Experian? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 



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

TRAM America ( XXXX XXXX ) is a law firm that represents XXXX XXXX XXXX to try and collect the debt on their behalf. They sued me without any warning that they were going to do so. They also did not serve me with the papers because I no longer lived in that state. I called them for a week ( XX/XX/2019-XX/XX/2019 ) and they did not pick up or return my messages. Finally, I had to call XXXX  XXXX XXXX for them to connect me to a TRAM America representative. I can not qualify for anything and this debt ( {$2800.00} XXXX is seriously affecting my quality of life. I explained to them that I wanted to settle the debt. But the most important thing was they reported to the Credit Bureau. The lady was rude and unprofessional. She made me feel small and disrespected. They do not report to the Credit Bureau- how does that help me? If I am making may payments, that information should be communicated to the Credit Bureau and my score should improve. TRAM America should be ashamed of themselves. They're a group of lawyers who are out to get the consumers, they care nothing about us and only want to push for their quotas.
Product: Credit card

American Express denied me a credit card stating I had a bankruptcy filing on my credit report but that is not correct. I contacted XXXX and XXXX to get this information removed. XXXX he stated they did but clearly they did not because I qualified for this credit card and was discriminated against by American Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XX/XX/2021 I requested an investigation of the inaccurate information concerning my credit file to all credit bureaus. The request was to provide the source of who reported bankruptcy/dismissal of bankruptcy on my credit file. Within 30 days the credit bureaus have failed to comply with the request of the inaccurate information. Therefore the public records inaccurate should be deleted/removed. 
I have never filed for bankruptcy and only XXXX deleted/removed the inaccuracies from my credit file. 
Please have this incorrect information bankruptcy/ dismissal of bankruptcy deleted/removed from my credit file within a 10 day period. Or I will seek monetary relief.
Product: Credit card or prepaid card

Discover offered a balance transfer with zero percent financing for 18 mos. I applied and was approved on XX/XX/2020, received email verification. Prior to receiving an actual card with terms and agreement Discover open an account, processed the balance transfer. I attempted to make an immediate payment but was blocked by Discover and told an account number was required to open an online account, I can only obtain account number from the actual card which I had not received. Discover claimed the card was sent regular mail with a tracking number and their package did not require a signature. I informed Discover I did not receive card and tracking is showing mail was being held at the Post Office. Discover refused to contact post office to see what was going on, and/or issue new card told me to wait. Thirty ( 30 ) days later I still do not have the card, Discover is refusing to set-up an online account on my behalf and had not resolved this  issue with full knowledge a payment is now due. Discover is engaging in an deceptive business practices to generate late payment fees and interest. I want CFPB to enact or enforce laws to prevent this type of blanant deceptive business practices.
Product: Mortgage

I purchased my home in XX/XX/XXXX with Caliber Home Loans who sold my mortgage to XXXXXXXX XXXX, on XXXX I refinanced my home with Caliber Home Loans. on XX/XX/XXXX there was a deed of reconveyance filed in my county with an account number on it. XX/XX/XXXX there is a DEED OF TRUST recorded in my county with a completely different account number on it. I have attempted to get all statements of my account from Caliber Home Loans, I have also filed disputes with different agencies. Caliber Home Loans now has an additional account number on reporting on my credit report with another completely different account number on it. This is Mortgage Fraud and I have been disputing these accounts with this company and their affiliates since XX/XX/XXXX. In XX/XX/XXXX after I have disputed multiple times and asked for different information be provided by the company they sold my information to XXXXXXXX XXXX XXXX XXXXXXXX. XXXXXXXX XXXX XXXXXXXX recorded documents in my county XX/XX/XXXX after I disputed it multiple times and all of my affidavits and requests for validation of debts have also been ignored. This is a clear violation of the Violation of Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, Defamation of Character and Identity Theft and securities fraud.
Product: Debt collection

I was involved in a motor vehicle accident in late XXXX of 2020. I was the driver at fault, and in XXXX, my insurance company reached a settlement with the other party 's insurance company. I received a letter from an unknown debt collection agency named " Jonathan Neils & Associates, Inc '' in late XXXX. In the initial letter, it stated in large print : " SEVEN DAY NOTICE '' regarding an accident in XXXX. I initially thought that it had to do something with the accident I had in XXXX. It stated that I owed " {$1600.00} '' in remaining damages to an insurance company I had never heard of in my life. I told JNA that I did not have that much money, that I am low-income, that I am too young and a XXXX XXXX. They sent me a " contract '' to sign and pay {$140.00} a month, so I made my first payment of {$140.00}. After further analysis with my insurance company, they said that the claim was settled a long time ago and that I had no liens or debts charged against me. I even faxed JNA the property release form and they claimed that they " did not understand '' what it was about. I realized that JNA was a fraudulent debt collection agency and that I wasn't the only victim in this. Several others fell victim to this agency as I was looking at the reviews of JNA online. I talked to my legal provider and I had them write a formal cease and desist letter for them to refrain any contact with me and to drop all " charges ''. Their claim number and stories were bogus, and when I called them, they switched their stories from one insurance company to another. None of their information was true. I want this agency to be held responsible for their federal crimes. These people almost made an XXXX pay almost {$2000.00} to pay for nothing. Unbelievable people that exist.
Product: Debt collection

Two dept collection agencies ; Account Resolution Service,  XXXX XXXX XXXX, have been reporting unverified and invalid information to all three major credit bureaus, creating a highly negative impact on my credit score. The agency Account Resolution Service reported a collection in the amount of {$1400.00} and the agency XXXX XXXX reported a collection in the amount of {$780.00}. I reached out to both agencies via certified mail in effort to request that they validate the dept in question. The letters were sent out on XX/XX/2020. I then allowed the collection agencies 30 days to respond to my letter. It is now XX/XX/2020. This exceeds the 30 days I allowed for the agencies to respond. I would like further assistance in the validation or removal of these items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CBNA with account XXXX is discriminating against me and is using its power to have incorrect and false information regarding this account on all three credit bureaus. This account was paid years ago. According to the FCRA and Arizona Law this account should no longer be listed or reported on any of the three credit bureaus. They are listing it as delinquent even though it is paid. This is causing me to have a lower credit score because of the false information this company lists on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXXXXXX XXXX XXXX XXXXXXXX # : XXXX BALANCE : {$270.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXXXXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX - XXXXXXXX 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 informationisinaccurate.
Product: Credit card or prepaid card

I opened Bank of the West platinum Master credit card # XXXX XXXX XXXX XXXX with XXXX XXXX XXXX ( VP ) XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ) his email is : XXXX.
I closed the credit card on XX/XX/XXXX and since I have a credit of {$220.00}, XXXX XXXX XXXX has promised me many times that I will receive the check of {$220.00}, but today ( XX/XX/XXXX ) I have NOT yet received the check.
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For last 2 months, I have come in and talked to XXXX XXXX XXXX and other people at Bankofthewest many times but they continue delay the check.
Product: Vehicle loan or lease

Working on the behalf of XXXX XXXX XXXX, we went to the West Virginia DMV, filled out paperwork to have the registration changed from Virginia to West Virginia. They faxed the completed form to Captial one to the correct department several times without any response. I found out later that it was being sent to the correct department at Capital one, but they just failed to complete the request. Since that time, I have been in contact with their Executive Office of the President and as of XX/XX/XXXX, they have not completed the request. This process started in XXXX of XXXX. They appear to have processes that do not work and they are not willing to fix them. They also are holding up the registration so the car is idle and XXXX is paying the payments on the car and also full coverage on the car for one that is stationary. This is, in my opinion a very unprofessional way for XXXX XXXX to handle this account and cause these issues for a XXXX American Citizen. This aided in my wife 's car accumulating over XXXX miles since XX/XX/XXXX, but that is another story, which is a XXXX XXXX XXXX in her car that XXXX need to be replaced again after XXXX miles. With the XXXX XXXX XXXX, there have been things that came to light of bad business, this is one of them. XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Been A Victim of Identity Theft. I did Authorize these Accounts. They are Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

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 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

such XXXX  CFPB complaint numbers : XXXX XXXX XXXX XXXX XXXX XXXX with the complaints were : 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. XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 


the second complaint to all three reporting agencies were also : did not authorize or do any of these hard inquiries on my reports : 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, XXXX I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

AFFIRM ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX THE AMOUNT DUE IS XXXX THE TOTAL AMOUNT WAS SENT BY CHECK ON XXXX, THE COMPANY RETURNED THE PAYMENT AND CHARGED OFF THE ACCOUNT.
Product: Student loan

Since XX/XX/XXXX, we have been working to pay off several ( 15 ) direct loans serviced through Navient XXXX. Each month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) we have called them to discuss how we would like our loan payments to be allocated across the loans. We have faxed ( XX/XX/XXXX ) and discussed over the phone exactly how we would like our payments to be allocated ( see attached letter ). We have also requested an itemized receipt of each month 's payment, which we have still not received. Navient has yet to comply with any of our requests and continues to misallocate our payments across the loans to benefit their company. Instead of deducting excess payment to the principal of the loans with the highest interest rates, as we have written and verbally requested, they continue to misuse our payments toward the principal of the loans with the lowest interest rate. Additionally, despite the fact that our required payment every month is less than the total interest that accrues each month, they are allocating the bill in such a way that we would be paying on the principal of the lowest interest rate loans instead of distributing the bill across the interest on all the loans or, in the case that some principal must be paid off each payment cycle, to the loans with the highest interest rate. In XXXX, XXXX, and now XXXX each different person we spoke with on the phone submitted a work order to " fix '' the issue ( s ) of that month. We have yet to receive any confirmation that the XXXX and XXXX work orders were completed, and since we are still seeing errors in how we want our payments allocated, the work orders appear to not be enough to solve things. The XXXX work order was submitted today, so we will have to see if this one resolves any of our issues with payment allocation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these two accounts from XXXX XXXX XXXX for {$180.00} and XXXX XXXX for {$2200.00} which I believe to be fraud. I have not had these credit cards before and wondering if someone used my information to obtain them.
Product: Checking or savings account

I want to change the phone number on my business checking account, and I can't. It says I have to go to a branch. The nearest branch is ~1000 miles away. Why did they even open this account if they cant service it?
Product: Credit reporting or other personal consumer reports

Transunion has not updated my credit information from XXXX XXXX since XX/XX/year>. I have XXXX balance and my score has not changed. I am in the process of buying a home and this has affected me greatlyl