23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a new phone number and new address and I have tried to update this with Capital One, however they are not able to accommodate my request within their system despite my best attempts and multiple escalations. After I told their agent that I am complaining to CFPB and that I have recorded their calls, they filed an internal complaint and now refuse to speak to me over the phone stating that their system is down ( I also recorded this as proof ) the problem : 1. As a consumer I have the right to information on my account such as my balance, recent transactions, payment history. 2. Capital one refuses to update my address and phone number stating that they need to verify my ID, and they are not willing to accept my United States Passport or my Passport Card. ( these are two valid forms of ID that I used to open my account ) I have no other ID, eve though I offered my birth certificate as well. 3. My personal data is being sent to an old address that is now someone else residence, this means that I don't have access to any communication including debt collection. I am concerned that someone else is getting my statements. 4. I am unable to update my phone number for the same reason, they state that I lack a state ID, however I simply do not have this, nor do I have the means to obtain. 5. I am unable to make purchases because I can not receive the security PIN, it keeps going to the old number. 6. The biggest problem is that I can not login online, nor can I update my address to get statements meaning that I have to call in to Capone to get status updates, verify transactions, and I'm concerned that the information may not be accurate or complete, and it is also very time consuming as to call in requires going through verification and hold times. 7. I believe that by law as a consumer I have the right to receive statements by mail to my designated address, on the last phone call I clearly provided this address to the agent and she acknowledged it but was not able to update. I believe Capone is out of compliance with at least one federal law, which is their duty to maintain updated customer information. Because I don't know how much I owe or payments, now the card is going into collections and this will impact my credit score. I Have attached the XXXX recording of phone call. If you are not able to download or access the recording please reach out to me. I have also added the recording on XXXX and I can send the link if needed.
Product: Credit reporting or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
Product: Student loan

Navient continues to raise my monthly payment fees. Without factoring in having XXXX children, bills, a single parent and a job that does n't permit me paying what they keep requesting.
Product: Debt collection

This complain is about XXXX XXXX card ... while applying I was told to open a new card that I would earn a certain amount of points. 
Never got points, it was turned around on me and said I had to purchase. In the initial transaction online said transfer and new purchase. 

Second complain is about allocation of payment. I paid a lump sum in XXXX and majority was suppose to go to balance transfer. Only {$63.00} dollars was applied, and the rest was getting high interest rate. Every time a payment is applied it only goes to the first bucket of interest. According to my statement, the transactions are divided into two brackets. One is a higher interest rate than the other. So, I was paying higher interest rate for the balance transfer when money was apply to pay some of it off. The credit card company told me that they can't allocate payment.

So, if payment can't be allocated, why is there two bucket verses one payment. The statement is broken into different catergory. Please advise on this situation.

It's like buying 2 different purchase with two different interest rate. If it is so then a person should be able to allocate payment. If not then they owe me XXXX  point for opening a card with one interest rate as the rep claims. I believe to open a XXXX card was XXXX points or more at the time of promotion. 
Please advise to XXXX Thank You, XXXX XXXX
Product: Mortgage

XXXX was submitted XX/XX/XXXX. At the time I submitted this complaint, I had dealt with Rushmore Mortgage directly endeavoring to get them to stop the continuous daily calls I was receiving trying to collect on a mortgage for which I was not responsible due to bankruptcy. They denied having knowledge of the bankruptcy, even though I had spoken with them about it repeatedly and had written them repeatedly referencing the bankruptcy requesting them to cease the pursuit, they continued to do so. When they were unable to trick me into paying, force me into paying in retaliation they placed reported to my credit bureaus a past due mortgage amount that had been discharged in Federal Court. On XX/XX/XXXX Rushmore responded the referenced complaint indicating that they would remove the reporting from my bureau, yet it is still there now in XX/XX/XXXX. I would like them to remove it immediately and send me a letter indicating that it should not have been there in the first place and they are going to remove it from all my bureaus. Rushmore, when speaking to me, represented themselves as the new note holder, but when CFPB was involved, they identified themselves as the servicing agency for XXXX XXXX XXXX. This credit bullying and racial discrimination practices is damaging to anyone who is exposed to these tactics and this needs to stop. Them denying their intent and then walking away with no penalties of any kind is one of the reasons it continues. Please assist me in procuring the resolution once and for all.
Product: Checking or savings account

XX/XX/year> there was a fraudulent check deposited in my account without me knowing I contacted the bank and said this was not me XX/XX/year> Santander account was closed Present day I can not open up any account due to the falsely accused fraud on my consumer report as well as my XXXX XXXX account.

I contacted Santander Bank and got the situation resolved but its still reporting on my consumer report preventing me from using any banking institution
Product: Debt collection

Company has listed collection reports on my XXXX, XXXX, and XXXX reports. They have not provided documentation showing they have a legal right to pursue me for this alleged debt. They have failed to provide my original agreement with XXXX and they have also not provided a Bill of Sale from Creditor. Company must provide documents or remove accounts from my credit reports.
Product: Checking or savings account

I received an email on XXXX XXXX that capital one was closing my account and will send me my remaining balance from my checking and savings account to my address on file in 7-10 business days. I called and was told that no one can tell me why my accounts was closed or when the bank will release my funds. Its 12 days later and capital one still hasnt released my funds from my accounts.
Product: Checking or savings account

BMO Harris promised a {$200.00} new checking account bonus in exchange for a few requirements. They were all fulfilled, including receiving direct deposits from my employer 's brokerage account. The deposits required, at the time, were of {$300.00}, the ones I received were above {$500.00}. Nevertheless, I have received no bonus, yet.
Product: Credit reporting or other personal consumer reports

According to the FCRA my federally protected rights have been violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized No permissible purpose 15 U.S. Code 1681b - Permissible Invasion to my right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report after solving the address issue which was getting it added to my account.Now my date of birth and social security number is incorrect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case To Whom It May Concern : I am a victim of XXXX XXXX The information listed below, which appears on my credit report is the result of XXXX. 

Please block this information from my credit report withing four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

These accounts have resulted in several hard fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the accounts, or collections, as reported on my consumer credit report that is being maintained by your organization. 

Per the Consumer Financial Protection Bureau ( CFPB ) the documents needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I sincerely request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. 

I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, Equifax, and XXXX. Please delete the following accounts. 

Ive listed each account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im requesting that XXXX send me proof of the corrections. I appreciate your urgency in correcting this mater. 

Sincerely, XXXX XXXX XXXX XXXX : Proof of Identity Trafficking Documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several reports including contacting other regulators such as SEC, OIG, FBI, State ATTY 's etc.. to get fair reporting treatment in which has been denied, accounts show closed but have missed payments, accounts discharge show charged off, and also comments that are not valid, alerts that have no contractual reason to be there, third-party accounts that have no contract or obligation to contract with. this is all violation to FCRA I have disputed my whole record nothing is valid. I don't live at previous addresses, some have never lived reported on file. Only address should be on my report is XXXX XXXX XXXX XXXX XXXX, FL XXXX I certify that this address is correct an only address to be used for mailing purposes or domicile I have provided below insurance policy to assist in identity
Product: Credit reporting, credit repair services, or other personal consumer reports

My current mortgage account with NewRez/Shellpoint ( Account # XXXX ) is not reporting my account as current as of to date. The last date it is reporting is XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regarding erroneous information reported on my credit report, I filed disputes with XXXX, Equifax, and XXXX. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 30 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ).

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. when the most recent payment date ought to be displayed.

The FTC believes that this company has consistently violated FDCPA 809b by failing to validate this collection account.
Product: Debt collection

Collection Agency by the name of Diversified Consultants Inc. is reporting a debt of {$1600.00} that they claim I owe to XXXX XXXX XXXX XXXX. I never had an account opened with XXXX XXXX XXXX XXXX so I called Diversified Consultants to try to resolve this matter. I was given the run around and promised proof of this debt upon my request. I waited over 2 months for these documents which never arrived. I filed a complaint against Diversified Consultants with the XXXX. They finally responded to the complaints by saying this maybe a case of fraud but proceeded to say they will not remove this debt and they have no wrong doing. This is a shameless company that has no regard for customer service and following laws.
Product: Credit reporting or other personal consumer reports

DISCOVER bank had inaccurately reported ( month / year ) as late and it has damaged my cred im it history and stopped me from getting approved for housing.. I asked them to send me proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.15 U.S. Code 1666b - Timing of payments ( 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. 
they have not given me the proof of the mailing or delivery of the information required by section 1666b, therefore violating section 15 USC 1681s-2. This account is in violation of 1681 eb because it is not accurately reporting ans demand this late payment be updated to paid as agreed
Product: Checking or savings account

I was trying to send crypto from my robinhood account to another wallet and it wouldnt let me saying theyve restricted my account. Now I cant even withdraw my money from the account and its just sitting theres for a long time now and every time I contact them they just say they are investigating and wont let me withdraw my funds. I dont care about the account anymore I just want my money back since its rightfully mine and they should not be holding my money from me.
Product: Student loan

I applied for SAVE on XXXX. I am currently on PAYE and was on REPAY prior. On XX/XX/XXXX I called about the processing delay. They originally claimed that my loans did not qualify for SAVE. All of my student loans are direct loans and this information was simply not true. After further pushing as to the reason why my application had not been processed, they informed that that my application was declined for missing information ( which they never notified me about ) and require 3 years of tax returns to re-process the application. I referred to the Federal Register update 685.209 ( e ) from XX/XX/XXXX that eliminated the previous years income requirement. The rep insisted that this is just required and that the government has to know how much money I made during nonpayment ( even though I file and pay taxes every year ) and could not tell me why. I have never received in writing why my application was declined or what information was " missing ''. I later recontacted them again on XX/XX/XXXX and pushed for supervisor who assured me that my application would be processed within 2-3 weeks and that the tax return requirement was in fact, not required. 

As of XX/XX/XXXX, my next payment is due on XX/XX/XXXX and they still have not processed my application and their stated reason is that they are " behind '', even though I have been speaking with peers with applications submitted after mine that have already been approved. My choices presented to me by the phone rep was to pay the monthly payment ( that I can't afford ) or extend my forbearance. They continue to ignore my application while my loans gather interest. It is incredibly unfair that I have to continue to accrue interest that will be capitalized because of their inability to perform the most basic of their job functions. It feels predatory that the ineptitude of a company can contribute to my student loan debt. Why should they do anything in a timely manner if they benefit from it financially? 

Mohela clearly does not have the necessary staff knowledge to appropriately service loans. They can not be bothered to keep up with current/up to date rules and requirements. There is no consistency. Every time I speak with a representative ( after hours on hold ), I am told something different or a vague explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information 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
Product: Credit reporting or other personal consumer reports

Hi recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account Is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Also I researched that in accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

Here is the item I am asking you to verify as accurate : Experian : XXXX XXXX XXXX XXXX- Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXAccount # XXXX ) ( XXXX XXXX Account # XXXX ) XXXX : ( XXXX XXXX XXXX- Account XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX Account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX Account # XXXX ) ( XXXX XXXX # XXXX ) Please remove all inaccuracies from my credit report thank you so much for all of your help.
Product: Credit reporting or other personal consumer reports

I need to unfreeze my credit. Experian wont allow me to login to unfreeze my credit. 
None of their online or automated phone systems, fixes my issue. There is no option let you speak to a live person or chat with a live person, to resolve my issue. 
This happened on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Was getting weekly robo-calls from Harris & Harris for a year or more and then the calls seemed to stop, until today.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following inaccurate information on my credit report : SPECIFIC DISPUTED ACCOUNTS : 1. [ Account Name ] Account Number : [ XXXX ] Disputed Entries : [ Late Payments in XXXX ] Reason for Dispute : These entries are incorrect. The account was paid as agreed. 

LEGAL BASIS FOR DISPUTE : Pursuant to the Fair Credit Reporting Act ( FCRA ), I hereby dispute these entries based on the following legal provisions : 1. 15 U.S.C. 1681b ( Permissible Purposes of Consumer Reports ) : - I did not provide authorization for the reporting of these disputed items. 

2. 15 U.S.C. 605B : - It is illegal to report information on my credit report without my explicit permission. 
- These unauthorized entries must be immediately removed from my credit report. 

3. 15 U.S.C. 1681i ( a ) : - You are required to : a ) Conduct a reasonable reinvestigation within 30 days of receiving this dispute b ) Remove any information that can not be verified by the creditor c ) Provide me with written results of the investigation REQUESTED ACTIONS : 1. Investigate the disputed accounts with the respective creditors 2. Remove all unauthorized and unverifiable information 3. Provide an updated credit report reflecting the corrections 4. Notify all previous recipients of the report about the corrections DOCUMENTATION REQUESTED : Please provide : - Proof of authorization for reporting these entries - Original account documentation - Verification from the original creditor I emphasize that under FCRA Section 605B, the reporting of information without my permission is explicitly prohibited. I demand immediate removal of these unauthorized entries.
Product: Student loan

I have submitted two PSLF reconsideration requests to FSA ( case # XXXX in XX/XX/XXXX, case # XXXX in XX/XX/XXXX ) for the same concern, and both times the FSA has failed to provide an adequate answer, explanation, or plan of action. My reconsideration requests pertain to application of the IDR adjustment and the subsequent qualifying payment adjustment. Based on studentaid.gov, my four months of economic hardship deferment from XXXX on my GradPLUS direct loans should count as qualifying payments. Unfortunately, my payment tracker is STILL not updated despite all this time and all of these attempts. The emailed responses to my reconsideration requests are extremely lacking, stating that " the IDR adjustment has now been applied .... we are [ now ] considering your request closed '' is completely unacceptable. It offers me no explanation as to why these four months aren't counted, because they should based on their website and the explanation of the IDR payment adjustment initiative. Specifically, my four months qualify because I was in economic hardship deferment after XXXX. I am currently at 115 payments and have been employed >120 months by a qualifying employer ; I am therefore eligible for forgiveness under PSLF ( after I submit one final ECF verifying my qualifying employment for XX/XX/XXXX ), but I need these four months to be applied. Please help, as I have called FSA numerous times and no representatives can provide further explanation.
Product: Money transfer, virtual currency, or money service

I have used zelle and have fund that I have had problems while using it. Transactions were canceled and impossible to track. XXXX have been times were I was not able to even fix the issue at hand. I would have to wait and keep calling my bank to figure out what the problem was with using zelle and where my money was going. This left me vulnerable to security scams. I have has people call and trend to be the bank asking for my account information.
Product: Checking or savings account

On XX/XX/2022 a transaction occurred for {$140.00} and after contacting Chime multiple times in regards to an unauthorized transaction to an unknown individual. Chime closed the claim the within 24 hours without explanation or returning the money and refuse to resolve the issue after multiple attempts on contacting them. I live off a fixed income and every little bit counts. Please help resolve this issue.