23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

After graduation it 's was hard to find a job. Went through forbearance program. One year later, still could not find a job ; my parents told me about extending terms ( which Navient offered them for my moms graduate loans ) from ten too twenty years which would lower my payments in half and make my monthly payments possible from XXXX to around XXXX. I call them up a week before my loans are due and the tell me I have to wait too my forbearance is up to discuss payment options ( which I found weird cause my forbearance was up AFTER the due date ). BUT I did n't know Their company, Their policy. So I wait till the appropriate amount of days, told immediately because its private loans they ca n't due anything and they have to forward me to collections. Collections answers, I explain the situation and they do the quote ( rough banking statement by asking me how much I make ) and tell me I can afford to make the payments, there 's nothing you can do. I asked about the term change and immediately get denied. I let them know I work full time hourly at XXXX and they tell me if I was customer service a year ago I would have advised you not to do forbearance ( making me feel like XXXX beacause I could n't find a job a year ago ). Needless to say I get help from my father to help pay for the payment for the month that had had a penalty charge for being late. 

Ultimately I am disgraced on how little Navient informs customers on what they want, either you pay or you ca n't right away. They should tell you immediately that they do not have repayment options or income driven repayment options immediately before you sign up. Also there website is confusing as all XXXX so you do n't know what your looking at just tons and tons and tons for words that can confuse the XXXX out of XXXX year old kid and his parents that are trying to get loans for there kids. 

Hopefully this can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked and alarmed when I received my credit report. 

Creditor : XXXX XXXX XXXX ACCOUNT # XXXX I was never late 30,60,90 days on the date ( XX/XX/XXXX ) and ( XX/XX/XXXX ) XX/XX/XXXX,XX/XX/XXXX I'm not sure what happened I always made my payments on time to you, when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit card or prepaid card

Capital One accused me of something, however they will not tell me what it is and start asking for a bunch of documents such as license, bank account, social security card. 
I've never had this happen before. I gave them this info when I signed up for the card. 
They can have me verify it over the phone. 

When they refuse to tell me what exactly they are ACCUSING ME OF after harassing me for about an hour I begin to think that they are fraudulent and harassing. I refuse to send documents because I have a right to address the issue or complaint. I have a right to know what the complaint IS. 

They still will not tell me and they have put a lock on my account which for future would be fine but I have an existing balance I am making payments in good faith on and they are refusing to post my payment to. I am not kidding. 

Per conversation XX/XX/20 at XXXX Arizona time I spoke with a manager at Capital One who refused to post my payment. They had been sending me emails saying they did not receive my payment. I confirmed with my bank that they did receive my payment on XXXX ( was due XXXX  ) and they refused to post my payment which they did not dispute receiving. This will be causing me to be charged for late fees, etc. My bank confirmed that they did receive XXXX on XX/XX/20.
Product: Student loan

My student load debt through Navient is {$55000.00} ( principle plus interest ). I asked them if I pay the principle amount, in full, will they forgive the remaining interest. They told me no. They said I have to pay the full amount. They were not willing to negotiate at all. I believe this is unjust and unfair. Note***My principle amount is around $ XXXX. Can someone please assist me with this?
Product: Debt collection

XXXX XXXX XXXX reported a balance of XXXX to Experian for a auto loan on my Experian credit report and never contacted me and the debt is not verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and correct the following information in my file. I HAVE REACHED OUT NUMEROUS TIMES PERTAINING THIS MATTER IN THE PAST FEW MONTHS!!! EXPERIAN, XXXX AND XXXX ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION ON MY CREDIT REPORT. ACCORDING TO TH FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY LAW TO VERIFY, THROUGH THE PHYSICAL VERIFICATION THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU REPORT ON A CREDIT PROFIL. OTHERWISE ANYONE PAYING FOR YOUR REPORTING SERVICES COUL FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 

I demand to see verifiable proof ( i.e : and original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 
I demand that the following accounts be verified or removed IMMEDIATELY!
Product: Debt collection

I have had an ongoing struggle with American Express refusing to stop sending my mail to my grandmother 's address in Georgia. Previously, I filed a complaint here to which they responded that they had the right to contact me at any address that I had provided them with or that they reasonably believe I can be contacted at. After this, the case was closed as I had no way I could counter them. However, it has now been a year, and I have changed the address on my account and instructed them not to send any mail to my grandmother 's address as it is not associated with me, they can not contact me that way -- I am not even in the state -- and they do not have my or her permission to send mail to that address. That previous complaint was closed in XXXX of last year, XXXX. It is now XXXX of XXXX and they are still sending mail to my grandmother 's address in Georgia, while I am in Maine. I have contacted the collections agency in charge of my account and verified with them that my address is correctly stated on my account as my current Maine address. I also explained to them the problem, and they told me that there is no reason why American Express should be sending any mail to my grandmother 's address. 

I have looked through the statement that American Express included with the last complaint, as well as my contract with them. I can not find anywhere that states that they should be allowed to continue sending mail to an address not affiliated with me after I have made several attempts to change it. Moreover, the fact that the collections agency agreed that my address was stated correctly AND that they did not see any reason why American Express should be sending any mail regarding my account to an address that is not mine and not on my account is highly disturbing. American Express has continued to be aggressive, dismissive, and rude. They may have been able to use the contract to push the blame onto me last time, but I fully believe that this time they can not do so, as I have learned from our last interaction and have done my reading this time, using the last complaint 's correspondences to understand the situation and what my rights are. I will not stop fighting this until they stop sending my mail to an address that they have no right to be using. I have repeatedly told them that that address is not affiliated with me and can not be used as a way to contact me, I have updated the address on my account, and have discussed this with the collections agency and confirmed that there is no reason why American Express should be sending mail to that address. They MUST cease and desist immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a bankruptcy listed on my credit report that was deleted and then added back on. I called the courthouse. They stated that they don't have anything in the system and that they don't report to credit bureaus. They said that a third party does and that I needed to dispute or file a police report which I have. This needs to be removed again permanently. I have retained an attorney. I have also disputed this multiple times. My attorney states that we can sue the credit bureau and win due to all of my documentation and XXXX refusal to remove it. 

Also, all of the bureaus have multiple inquiries on my report that I did not authorize. They are as follows : XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX should not be reporting 3 times, 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. 

Please remove these asap.
Product: Credit reporting or other personal consumer reports

all documentation has been sent to Transunion to effectively block /remove account from my Transunion consumer file of account XXXX XXXX XXXX # XXXX this is in regards to an identity theft Fraud account that Transunion reports illegaly. CFPB I have to have this issue resolved. Transunion is in the business of pushing private company policy instead of abiding by Federal law as it is being governed. Federal Law is Required to be followed ( FCRA ) Transunion seem to be ignoring such law. CFPB remind Transunion that they are not above the law.
Product: Credit reporting or other personal consumer reports

I received a notification that Bank of America removed my discharged bankruptcy information on their credit cards I had and added a remark of being several days past due. This error caused my credit score to drop XXXX points causing it to he XXXX. Someone has mistakenly made this change and has affected my credit and causing a hardship to now be able to be in immediate position to move if needed. They need to correct this outrageous life affecting error and put all of those bankruptcy XXXX  XXXX discharge information/coding back onto all of those credit cards they incorrectly removed and return my credit score to the XXXX range that it was.
Product: Checking or savings account

Citi Bank offered a sign up bonus of {$700.00}. I opened and funded the account. Kept required balance in for the XXXX plus XXXX days - they did not pay the bonus. Called them multiple times to no avail. Now at over XXXX  months since opening. I want my {$700.00}. I have withdrawn most of the balance and want my bonus and to close and never deal with them again
Product: Checking or savings account

I opened a business account with USBANK. Upon opening I was unable to access my online banking. After 3 or 4 phonically into their service center I was granted access. I immediately transferred {$4000.00} from my personal account to avoid fees associated with USBANK low balance policies. 

After another week of work I attempted to go into a local branch and close my account due to negligence on their part. They refused and declined to acknowledge my money was transferred, even though. have the confirmation email saying it was complete. 

I still have no access to the account and they are holding any monies I transferred. IF I don't get my money back soon, My XXXX credit score will be affected. In that time I will hire a lawyer and sue USBANK. 

I just wanted to do business and they literally prevented that. I now have an account with a competetor without issue. I need my money back to avoid fees there. USBANK does not return my calls nor do they offer any help in the branch locations. I'm tired of the run around and want my cash. I will keep filing complaints weekly until this is resolved. 

It's an emergency situation for me financially, and USBANK is playing games. 

I also dont appreciate them selling me a credit card while opening the account. This bank is a bully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, Chase Bank notified me by mail that the Bank will close my credit card ending XXXX on XX/XX/XXXX for the reason " continuing the relationship creates possible reputational risk to the company ''. This is puzzling to me as the account is in good standing, furthermore, my credit score is over 800, and my credit report shows no derogatory records of any kind. Calling the number they provided gave me no further information. I have attached here the letter I sent to Chase on XX/XX/XXXX. Chase had also denied my credit card application in XX/XX/XXXX. I had also opened a Chase checking and a separate savings account on XX/XX/XXXX with total deposit of {$450000.00}. After 2 weeks they froze the account and gave back my money. I have attached here the 2 inquiry letters I sent to Chase ( dated XX/XX/XXXX and XX/XX/XXXX ) and Chase 's response on XX/XX/XXXX which stated " previous unsatisfactory relationship with the bank ''. The problem is I have never had any problem with Chase or any other bank. AT this moment I still have 2 Chase Cards. Chase simply would not tell me what the problem is. I would like a chance to find out and address any problems, be it a misunderstanding or mistaken identity. I would really like to find out and address the problem.
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 U.S.C 1681 XXXX XXXXXXXX XXXX  XXXX XXXX Credit report XXXX credit report XXXX15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Debt collection

I was fired from my job XXXX of this year and just received notice from the IRS that they are taking my tax refund to pay an unpaid federal debt. I checked my credit report and my student loans are all in good standing. 

So I tried calling the phone number listed on the screen and the answering system stated that the company I was calling was a debt collector Trellis Company any information obtained would be used to collect the debt. I was never notified by Trellis Company that they were taking my refund. The one and only notice that I received was last week from the IRS after they finally approved my refund. Which puts me in worse financial hardship because now I have no way to pay my rent nor buy food.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 my company had bought a new XXXX  and XXXX  for me through the service provider " XXXX ''. My job shortly after relocated me to south Texas and my service wasnt great at all so I called and called and finally got XXXX  to accept me to return my XXXX  and XXXX so I could go get another provider that worked better in the area. I did that and then a year later they hire ENHANCED RECOVERY SERVICES! They have done nothing but harass me and called me names and lied about the balance which went from {$750.00} dollars to {$1500.00} somehow. I have tried many times and was patient but we have an attorney who asked us to file this and we will be in touch.
Product: Credit card or prepaid card

A fraudulent account was opened online, in my name, with Barclays Bank Delaware on XX/XX/XXXX.I have opened disputes with credit bureaus, reported to Barclays Bank Delaware fraud department for investigation on XX/XX/XXXX when I became aware of the fraudulent account. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft.I received a collection letter for a separate, fraudulent account. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with Barclays Bank Delaware in the amount of $XXXX. I have never received a card for the account with this company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the account. I did NOT apply for the account!!!Barclays Bank Delaware also never contacted me to verify my identity before the account was fraudulently opened in my name!Barclays Bank Delaware has been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get this removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed 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 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 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 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
Product: Student loan

My student loan which was with XXXX was originally consolidated to lock in at 3.1 % rate, now that navient took the loan over, they are stating that my loans are in fact not consolidated even though I have a letter from XXXX stating this. They also recommend that I can now consolidated my loans with navient in order to let wee my payments but higher rate than what I had locked in originally. Case manager ca n't seem to explain to me how my loan became unconsolidated during the navient take over. How can my loans became unconsolidated?? I feel it 's unfair that I have to consolidate my loans again at higher interest rate to avail lower loan payments.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Center, it's clear that the disputed items are in fact listed on my credit report, yet you claim it's not which implies that my report is not being properly looked over I will be taking legal action if we can't resolve this issue asap as it is making my day to day life harder and harming my well being, i have attached a copy of my credit report with the disputed accounts highlighted in yellow and i will document this correspondence as well as all others. 



I am writing to formally dispute multiple inaccuracies and instances of fraudulent information reported on my credit file. Despite a previous request for corrections, this information remains unresolved and is negatively impacting my financial standing. 

Fraudulent Accounts Listed on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00} ( Repossession ) Original Balance : {$22000.00} Status : Repossessed Legal Basis for My Dispute Under the Fair Credit Reporting Act ( FCRA ), you are legally required to ensure the accuracy of the information contained in my credit file. Specifically : 15 U.S.C. 1681i : You must conduct a thorough investigation of any disputed information and correct or remove inaccuracies within 30 days. 
15 U.S.C. 1681e ( b ) : You are obligated to ensure maximum possible accuracy of the information in my credit report.

15 U.S.C. 1681c : Outdated negative information and unverifiable data must be removed from my report.

Immediate Actions Requested Remove all fraudulent accounts listed above from my credit report. 
Delete the fraudulent address XXXXXXXX XXXX XXXX XXXX XXXX XXXX from my personal information. 
Provide written confirmation of the results of your investigation. 
Failure to comply with these legal obligations will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to enforce my rights under the FCRA. 

I have attached documentation to support my dispute. Please let me know if you require any additional information
Product: Debt collection

Radius Global calls my phone number up to three times daily ; Monday through Saturday. I have answered the phone to tell them to stop calling, although I did not verify my information. The representative agreed to take my number off of the call list. They called the very next day. I do not know what debt they hold because when I ask them to tell me who they are and why they are calling, they say they have to verify my information first before they can reveal any information. I have call logs, but they do not leave voicemails.