23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Yesterday I had a phone call conversation with two representatives from Navient 's customer advocate office who confirmed they are the ones who respond to all CFPB complaints. During the call the representatives directly contradicted their response to CFPB complaint case # XXXX on the matter of their refusal to release my cosigner in accordance with my Promissory Note. 
During their response to case # XXXX Navient stated I was denied cosigner " On XX/XX/2017, you were denied for cosigner release, for one reason. '' and also stated " We have enclosed a copy of the full letter sent to you on this date explaining that you were denied for only reason number 2, missing proof of graduation. ". 
- During my call yesterday, which is recorded, Navient stated their legal department determined that proof of graduation was part of their credit inquiry. But this is simply not true in any industry nor has it ever been outlined by Navient. I asked what other credit criteria Navient imposes and was told that was " proprietary '' information- even though my Notes clearly outline Navient isn't allowed to have any undisclosed requirements not approved by me. 
- More so, in their response to the CFPB case # XXXX they listed all the requirements as : you, the borrower, must provide proof of successful completion of school, be a U.S. citizen or permanent resident, be up to date and have made 12 consecutive, on-time payments of principal and interest immediately before applying, and pass a credit check including income verification when the release request is processed. ". 
- Navient appears to not fully understand what a comma means and if proof of graduation was part of the credit check - the requirements would not have been separated by a comma. But this is because all can see what they are trying to do. For years they stated one thing without ever reading my actual Note and once they figured out they have been wrong and have caused harm, simply can not admit fault and correct their actions as doing the right thing is not allowed apparently. 
- Navient is also refusing to allow me to speak to a manager or equivalent job classification in the advocate 's office and now has all calls forwarded to one " supervisor '' XXXX who has already ended a call mid conversation when he struggles to face factual information he is unable to distort or distract from. XXXX has also stated this morning that, quote, " you have no right to request to speak to a higher authority '' - meaning by his own decree which he does not have the authority to decide that I must only speak with him. Even though he has already proven he has no desire to engage in any sort of factual conversation. 
- Navient, DO NOT, just post a response that you send to the XXXX  Department of Banking. My complaint is here with the CFPB since the conversation placed yesterday directly contradicts a prior response. 
-Navient needs to explain why they either lied to the CFPB in case # XXXX or lied to me yesterday which regardless has now caused great harm to my cosigner.
Product: Credit reporting or other personal consumer reports

EXPERIAN claims to have verified this account however that is a lie. The account XXXX XXXX XXXX account # XXXX is inaccurate. The open date reads XX/XX/XXXX and status update reads XX/XX/XXXX. However EXPERIAN claims they verified this account in XXXX of XXXX. This is an agregious violation. How can this account have been verified if the status update is from XXXX? If this account was verified why is there no activity in the payment section for XX/XX/XXXX? EXPERIAN clearly lied and kept this account on my consumer report without verified the accuracy. Delete this account for inaccurate date open date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( ORIG CREDITOR : 10 XXXX XXXX XXXX ),
Product: Credit reporting, credit repair services, or other personal consumer reports

We have been having problems with the XXXX XXXX XXXX online payment system and now with their credit reporting department. 

XXXX 's online system was broken/unavailable/ had issues, that resulted in a possible late payment of our card in XX/XX/XXXX. 

We called in XX/XX/XXXX ( applying for a mortgage and checked the report ) have requested that they correct our report reflecting timely payment, since it was their fault since their online system is broken even as of today. 

The CS rep for the credit card was rude to me and very aggressive. She was impolite and spoke very harshly with me as if she was doing favour to me just by speaking to me.

We feel that it is improper and irresponsible that they deal with us in this way despite us being good customers with an impeccable credit record ( we don't have any other late payments ever in our reports ). 

This has happened solely because of the unavailability of their online systems for payment. 

We request that customers using their credit card be aware that their systems have not been fixed in the last one year, and be aware that their response is rude, very unhelpful and callous. Hope that our experience with them serves as a rude awakening to customers using XXXX XXXX XXXX card. 

We request that the CFPB look into this matter for an amicable resolution and prevent such occurrences to help consumers.
Product: Debt collection

my identity was stolen and several accounts were created in my name including this. Remove this fraudulent account to prevent it from further ruining my consumer report and good name.
Product: Credit card or prepaid card

I have XXXX credit cards from different companies -- XXXX, XXXX XXXX, and Synchrony for XXXX. What I am noticing is that it is difficult to readily locate your credit limit when you view your account information on line. This is important to understanding and managing your total spending. What I am able to readily see, is the outstanding balance and the available credit. As you know, the outstanding balance does not take into consideration, pending charges. So, in order to get your true spending, you need to take your credit limit and subtract the available credit. I think this is very important and necessary to budget and managing your credit card spending, especially if the company raises your credit limit. In order to find your credit limit, you have to open up the last statement. Hopefully, between the time you pull the statement and when it was printed, there wasn't any change to your credit limit. I think credit card companies implemented this approach to make it difficult for the consumer to manage and budget their credit card spending, leading to increased spending. I see this a strategic tactic to get you over spend.
Product: Credit reporting or other personal consumer reports

In alignment with the Fair Credit Reporting Act : The accounts listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

XXXX XXXX account number XXXXXXXX XXXX account number XXXXXXXX XXXX account number XXXX, have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy.

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years.

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Paypal violated their policy by permanently suspending our business account : XXXX and holding all of our funds for 180 days without explanation or valid reason. XXXX was started by my family and me. It is a website that sells handmade crafts and accessories. 

I've been successfully running online shopping business for 3 years, and in 2018 we processed {$400000.00} of revenue through Paypal. 


In XXXX after 2 months of operating XXXX  my business Paypal account got permanently suspended and all of our funds were withheld for 180 days. Paypal 's explanation : " After a review, we decided to permanently limit your account as we found potential risk associated with it. '' This is absurd, we are a legitimate brand that holds stock inventory and we have a full team of customer service reps. 

Our business has less than 2 % disputes over XXXX orders. Due to this hold of {$21000.00} for 180 days we have to take out personal loans and can not pay our employees.
Product: Debt collection

Online Information Services placed a collection on my credit bureau and the original credit is XXXX XXXX without written consent. I contacted the company and confirmed I have never stayed at the address where the account was created. The amount owed is {$790.00} and I have contacted the company to state I have never stayed at the address owed. They are saying this is my account.
Product: Student loan

Identified an incorrect balance being reported on my credit report. My loan is consolidated and they are reporting two. They are also reporting double the balance that is owed. I have submitted a request through the credit bureaus and it is still in pending status waiting on Mohela. 

Submitted on XX/XX/year>. Complaint was supposed to be reviewed and resolved by XX/XX/year>. Still no response and it is XXXX.
Product: Credit reporting or other personal consumer reports

Hello My Name Is XXXX XXXX XXXX I sent out several letters. I told the credit bureaus to investigate every piece of information on the account I have listed below. its A credit card that Dont Belong To Me Its Many People With Same Name As me So Its got ta be a mix up however I did some investigating and the account does not belong to me wrong name my name Has XXXX  on it Heres the account number Account Name - XXXX  XXXX Open date - XXXX Account name XXXX  XXXX Open date XXXX According to the FCRA the term investigate consumer report means a consumer or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do proper investigation according to the law.

Also every piece of information on this account is not reporting 100 % Accurate.

According to FRCA 15 USC 1681 Everything has to be 100 % accurate Please remove This Account Wrong opening date I will be forced to seek legal representation to protect my rights. Should I take legal action become necessary, the following costs will be incurred : 1. Attorney 's Fees : Approximately {$3000.00} to {$5000.00} for legal services.

2. Court Costs : Estimated at {$500.00} to {$1000.00} 3. Potential Damages : Depending on the severity of the impact on my credit, damages may range from {$10000.00} to XXXX Im looking for this company to reinvestigate this account because it does not belong to me also remove from my credit file delete out they system because this my third time asking them to remove it does not belong to me Im bout to take legal action at this point I need to know who verified this account also send me copy showing they deleted out they system
Product: Credit card or prepaid card

Barclays Bank refuses to reverse a charge for a transaction in which the merchant admittedly never provided the services for which I contracted. On XX/XX/2020, I paid merchant XXXX XXXX {$390.00} via my Barclays credit card in order to transport luggage. Through no fault of my own, the luggage was never loaded on the plane, and I subsequently sent the luggage via airfreight with another company at about double the price ( see attached invoice ). US Department of Transportation Regulations require that all charges be refunded to the customer under these circumstances. ( See : https : //www.transportation.gov/individuals/aviation-consumer-protection/refunds ). In violation of these Federal regulations, the merchant desires to give me a " travel voucher '', which I neither requested nor want, and would mosts likely never use. Bizarrely, rather than refund an admittedly illegitimate charge, as it is required to do by law, Barclays Bank has decided to assist the merchant in its own violation of Federal law and regulations by insisting that I must accept the travel voucher, rather than a refund of my money. By so doing, Barclays is violating the law while also acting as an accomplice of the merchant in its own violation of Federal law. Barclays need look no further than the fact that I admittedly never received the services for which I paid. Failure to refund my money makes Barclays a party to the merchant 's fraud and deceptive practices. Barclays is not a Tribunal, and has no right to choose sides. It is a bank which must follow banking law, which stipulates that I am not required to pay for services which I never received. Barclays should follow the law and refund my money.
Product: Credit card or prepaid card

To whom this may concern. Capital One has restricted my account and Im unable to use my credit card. I have not received any letters, communication directly from the company as to why I am being restricted. I have made over 4 attempts to reach out to capital one to get a reason as to why my account is restricted and the company refuses to provide any valid reason as to why my account is restricted. Im reaching out to see if CFPB could be off assistance to get answers as to why my account is being restricted and me being unable to utilize my card
Product: Debt collection

I am being constantly harrassed by a collection company, Diversified Consultant, collecting " XXXX ''. I remember briefly opening an account with XXXX approximately three years ago, maybe more. it was not a contract. It was for a landline. The service did not work in my home. So I immediately returned the equipment and cancelled my account. 

I just recently started hearing from them. By " recently '', they started contacting me a year ago. I explained to them the above. However, they constantly harrass and call me, even after I repeatedly asked them to stop. Also, I asked for some kind of paperwork from them and did not receive any. I do not owe this. It was reported to all three credit bureaus. I want it removed from my credit report. I want them to stop calling and harassing me. 

QUOTE FROM APPLICABLE LAW : Debt collector CAN NOT : Inappropriately call you. Collectors cant call at inconvenient times ( such as before XXXX XXXX or after XXXX XXXX ) or at work if you arent allowed such calls. 
Harass you. Harassment includes threatening harm or violence, using foul language, or calling repetitively. 

The above applies to the Diversified Consultant. I have documentation of their nonstop calls. I use my phone a lot for business and they have disrupted my work numerous times and compromised my work.
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This collection account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Debt collection

calls using a fake called id multiple call throughout the day call prior to XXXX
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information related to the XXXX XXXX XXXX XXXX and XXXX accounts on my credit report. The credit reporting agency conducted an investigation but did not provide sufficient documentation to verify the accuracy of the account. They failed to meet the standards outlined in Section 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable reinvestigation and proper verification of disputed information. Simply stating that the account was verified without providing proof or adequately addressing the dispute is a violation of the FCRA. Cases like XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) highlight the credit reporting agency 's obligation to go beyond the original source and ensure that the information is accurate when faced with a dispute. In these cases, the courts ruled that credit reporting agencies must conduct a thorough investigation, and failure to do so can result in liability for noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times to remove and or correct inaccurate information on my credit report. I am a victim of identity theft and this is defamation to my character as a business owner and consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act # numbers 1st account is XXXX XXXX, XXXX account is XXXX bank XXXX, and XXXX XXXX XXXXXXXX have 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 states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Barclays bank account # XXXX open XX/XX/2004 Status open. I have more than 15 years in having this line of credit with Barclays Bank and have never been late with them. This past XX/XX/XXXX when I checked my reports I saw a 30-day late payment been reported to credit bureaus. When I researched what happen, was that they reported my 30-day late because of an annual fee that I didnt even know I was paying for who knows how many years. This is unfair business practices, negligence, I never received a late payment insertion notice required by California Reporting Act. And the list of violations can go on. I know this can be a mistake and it can happen to any company that it is why Im using Consumer Financial Protection Bureau as a portal so we can get to an agreement. I want a deletion letter as soon as possible from the mentioned company so I can provide to my mortgage company. I have {$600000.00} home loan pending because of this mistake. So please be reasonable, let s continue making business and lets avoid court for a very simple thing to correct. Please see unfiled attached document. Many thanks to whomever reads this complaint.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

Comenity Capital was involved in a lawsuit that I was a part of. They used misleading terms and advertising to get me to sign up for 3 credit cards. I have contacted XXXX XXXX XXXX over 20 times to explain and send a copy of the settlement. 
They have never I am disputing these collections. I was relived of my obligation to these accounts. In addition the dates on the 3 accounts are all wrong and they change form open to close all the time. I Also when I called the last time, they threated to sue me. 
There are 3 accounts {$1900.00} {$2700.00} {$2200.00}
Product: Credit reporting or other personal consumer reports

In XXXX I co-signed on an auto loan with XXXX for XXXX daughter. In XXXX she filed bankruptcy and continued to pay on her auto loan. At that time they told her they would no longer send her any correspondence regarding the account and she started making her payments online. I was not a part of the bankruptcy but did not receive any notifications or information about the account at any time since then. In XX/XX/XXXX she spoke with a representative who told her she had XXXX remaining payments until the loan was pain in full. She made those XXXX payments and thought she had pain it in full. At no time did she or I receive any type of notice about any outstanding balance due. The first indication of this was when I was notified by the credit bureaus that I had a XXXX day late on my credit report from XXXX XXXX I knew nothing of this, was never notified, or given the opportunity to pay the balance. I would have paid the balance immediately if I had any idea that it was outstanding. I have not been aware of any of the information regarding this loan since XXXX. We have both tried contacting XXXX by phone multiple times, she has sent a letter, and I have filed disputes with the credit bureaus but XXXX refuses to remedy this situation. They state that they do not have to notify me because it was in bankruptcy. I was not part of the bankruptcy and was not given any opportunity to fix the problem and yet they are able to directly impact my credit report over something I had no control over at all. I hope this is not how our financial system works. I try to keep my credit reports in good standing but am now being told that because of technicalities they can punish me for something I did not do. This will impact me for years and for some reason XXXX seems determined to do it. The loan was paid perfectly throughout its term and did not have a late until this fiasco at the end, that I believe is XXXX 's responsibility. I have tried to discuss it with them, thinking that they would be understanding when they knew the circumstances but to no avail.