23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had been a Chase credit card holder without interruption for more than 20 years with few, if any, missed payments. 

I was on an extended trip overseas when I lost my Chase Freedom card. When I returned home I received a letter from Chase Bank stating that since my account had been inactive they would close my account if I did not respond by the established date ( beginning of XX/XX/2023 ). 

I called Chase Bank and requested a new card in XXXX a week before the deadline. I received the new card and attempted to activate it immediately ; however, I was told my account had been closed. 

It seemed illogical to close someone's account while a new card was en route to them, so I requested that the account be reinstated. Chase refused and encouraged me to open a new account instead. I insisted on having the matter escalated and provided appropriate call back times. 

I received XXXX voice messages, both of which were not at times when I stated I would be available. I returned the calls a number of times, but was never able to speak with anyone. I also received a written notice that the decision to close the account was final. This does not occur as fair or reasonable account handling on the part of Chase. 

I responded to the letter within the set time frame and yet my account was closed anyhow. Losing one of my oldest credit relationships was detrimental to my credit score and credit history. 

There is an obvious flaw in the operation of account closures as it should not be possible to terminate an account for inactivity when there is a pending card delivery.
Product: Student loan

The university I attended from XX/XX/XXXX to XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX University XXXX XXXX XXXX XXXX  ) has had numerous lawsuits. Due to defrauding students and leaving us with debt and worthless degrees. The school has now been closed and is no longer operating. About a year ago, I applied for the Borrowers Defense ( BDTR ) program under the Biden Administration, which I was approved for on XX/XX/XXXX. However, I still have private loans with Navient. Navient has opened up a program called Navient School Misconduct. I have applied for the school misconduct discharge program, but Navient has denied me without an actual reason. Can CFPB please help and have Navient give me a valid reason as to why I was denied? I submitted court documents ( complaint and docket ) I worked with a lawyer on my application and still got denied. I want to know the actual reason for being denied, not just a general one. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

XX/XX/24 The balance owed on the vehicle is XXXX The balance owed and its about XXXX years old with XXXX A SECOND COLLECTION COMPANY THE FIRST COLLECTION COMPANY IS Exeter financial they have a XXXX balance on the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed in police report to equifax and all other supporting documents and they did not update my credit report. And my credit score and report has not changed
Product: Credit card or prepaid card

I rented a car from XXXXXXXX XXXX  company on XX/XX/ and returned it on XXXX XXXX. On XX/XX/XXXX, XXXX stated they released the funds they had on hold which was {$1100.00} Approval Code XXXX from XXXX and the {$200.00} deposit they had on hold Approval Code XXXX also from XXXX. Well, the credit card company said they never received the release of funds from XXXX and now I am out {$1300.00}. Ive gone back and forth with XXXX and the credit card company and Im not getting anywhere. In the meantime, I am having to suffer to pay my credit card for funds that were never returned to me. I am a XXXX citizen on a fixed income and can not afford to have to pay all of this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SANTANDER I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and SANTANDER with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2015.
Product: Debt collection

I have requested VALIDATION of debt from Santander Consumer USA via  letter. Letter was sent XX/XX/2018. Letter was received by Santander Consumer USA on XX/XX/2018. Tracking is attached. In response to my letter, Santander Consumer USA sent numerous documents but not one of them VALIDATED the debt in question. i have asked for agreements that granted them the ability to report negatively on my credit report and agreements that bear the signature on a binding contract, factual documentation and records. None of these requested documents have been provided. This debt reporting to my credit file is hurting me substantially and has cause me to be denied by several banks. I would like to have this issue resolved by having this derogatory and offensive account removed from my credit file with all 3 credit bureaus ( XXXX, XXXX, and XXXX ).
Product: Mortgage

Changed insurance companies in XX/XX/2022 for my mortgage. XXXX XX/XX/2022. Sent Freedom Mortgage company a notification stating changing insurance companies and not to send payment to XXXX XXXX XXXX XXXX as they were being canceled. Notification to cancel XXXX XXXX XXXX was sent XXXX XX/XX/2022 via my insurance agent. Sent all required paperwork for new insurance company on that same day to Freedom Mortgage. Insurance agent has receipts showing they received it and sent again on XXXX XX/XX/2022, since they never admitted receipt for new insurance company. Mortgage company sent payment of {$5000.00} to canceled insurance company and not to new one. Canceled insurer sent refund check to me. Mortgage company demanded and gave instructions to have all monies be sent back to them and they will pay new insurer. Mortgage company never sent payment of {$2300.00} to new insurer within allotted time of 3 months since initial policy date back in XX/XX/2022. On XXXX XX/XX/2022 XXXX canceled the policy due to nonpayment. On XXXX XX/XX/2022, Freedom Mortgage admitted to their mistake via phone conversation, however, as of XXXX XX/XX/2022 seems unwilling to work or compensate for their error. Can not get new insurance thru same company until after 30 days from cancelation date. New insurance policy with a different company will cost x2 as much as original quote. Their failure to pay has now placed an undue burden on me.
Product: Payday loan, title loan, or personal loan

When my financial hardship began I contacted my lender Marcus by Goldman Sachs in XXXX 2022 to inform them that Im having difficulty making the full payment and can I request a hardship or assistance plan? I was informed by their rep. NO i dont qualify. It bothered me because another lender company I applied at the same time worked with me and I have no problems and I'm currently back making my regular monthly payments with that lending company. But Marcus has been a complete opposite and nightmare. The numerous calls through my day. This company called over 15 times in a day and everyday but sunday. It was so horrible that I had to cut my phone off because they called so much. Plus the letters about the loan to make it seem as if I was not contacting them to work something out. I reached out again in XXXX, XXXX, XXXX, and in XXXX. just to see if I qualify and again all four times their Rep told me no about a payment plan and that I dont qualify. The conversation in XXXX I mentioned to that Rep. than stop all the phone calls if you cant help me and all Im asking for was a short term plan just until I can get back on my feet. He went talked to his manager and came back with NO! because I dont qualify and informed me that collection calls will continue. As they did everyday but sunday! 15 plus phone calls from Marcus to add on the stress level I was already under. Letter in XXXX came that they charge off to XXXX XXXX XXXXXXXX for non-payment after I made numerous attempts to make payments just not the regular monthly payment as they requested during that time and they not once worked with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all XXXX credit bureaus and they refused to investigate. I paid XXXX XXXX XXXX MD which is a medical bill. I paid him which is the XXXX  for the medical bill in XX/XX/XXXX. I have the bill attached below with XXXX with the receipt that states its paid. The bill went to XXXX accounts collection agency and they have refused to remove it since XX/XX/XXXX. XXXX XXXX is doing the exact same thing. According to the Fair Debt Collection Practices Act, 15 USC 1692g, I did not make a agreement with these collection agencies so there can not be a balance. I have sent letters and they have refused to remove them. The dates are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX closed my account as a charge off, I sent them a letter according to the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, they refuse to send me a 1099-c to fill out because i have to file it on my taxes and they are delaying it. XXXX XXXX are in violation and refuse to delete it. According to the IRS Publication a company who writes off a debt is suppose to send you a 1099-C form to fill out because a loss for them is considered income for me. In essence, it is their responsibility to furnish accurate information. Charge offs on my credit report is illegal.

After i had notified them all of these companies, they refuse to remove it. According to 15 U.S. Code 1681 says if they are still reporting it after being notified that its {$1000.00} per violation. They have cause damage to my consumer report and according to 15 U.S. Code 15 says actual damage or injuries caused by them shall recover triple the amount. They have been reporting inaccurate information for a year and according to 15 U.S. Code 1681s-2, they are prohibited from reporting if they know or suspect its inaccurate. They have to report accurate information according to 15 U.S. Code 1681e ( b ) says they have to report accurately.
Product: Credit reporting or other personal consumer reports

Over several times, I have reached out to XXXX, XXXX, and TransUnion trying to update and correct the information on my credit profile. But for some strange reason, the credit bureaus refuse to follow the guidelines of the FCRA. According to the FCRA, there should only be XXXX address listed on your credit profile. Any address that is not deliverable to you through the XXXX Postal Service is inaccurate and should not be listed on my credit profile. 

XXXX. XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX, TN XXXX None of the addresses above are deliverable to me through the XXXX Postal Service. Therefore, all XXXX of them are inaccurate and should not be reported on my credit profile. It is a direct violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX XXXX XXXX  EQUIFAX XXXX XXXX  EQUIFAX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EQUIFAX XXXX XXXXXXXX EQUIFAX XXXX XXXX XXXXXXXX XXXX Take name down to just XXXX XXXX XXXX and Only active addresses are XXXX XXXX XXXX XXXX XXXX Texas, XXXX, XXXX XXXX XXXX, XXXX, Alabama, XXXX
Product: Credit reporting or other personal consumer reports

XXXX had been paid in full but will not correct credit report. The account is still showing a balance. Experian investigated but kept the same information that was a remaining balance. I sent the paid in full letter to eperian but they did not correct their error.
Product: Credit card or prepaid card

I was shocked after I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX 2017 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this transpired, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time. 

I do ask in light of the good standing relationship we have that you remove any late payments from my credit report and refund me any late fees that was added to my account. I do not believe it is accurate and did some research on some laws called the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ) and also XXXX XXXX guidelines set forth by the XXXX XXXX XXXX XXXX ( XXXX ) which I could use to protect my rights.
Product: Mortgage

I started my home loan with XXXX XXXXXXXX in XX/XX/year> and then the bank transfer our home loan to fay services from about one year for no reason, now fay services increased the monthly payment from {$1600.00} to {$1900.00} per month for no reason, they just deducted from our checking account without any explanation. 
Thanks XXXX XXXX
Product: Debt collection

I had disputed a debt with Action Collections in 2018. After that I did not hear from them nor did I receive any paperwork stating that I still owed the money. I was not given any chances to resolve this debt before filing a lawsuit. I spoke to XXXX who said I needed to talk to their attorneys. He transferred me to XXXX in the attorneys office who is part of Action Collections. Now my {$650.00} debit is up to {$1500.00} because they are charging me {$240.00} in interest AND {$600.00} dollars in attorney fees which is almost the same amount as the original debt to begin with. When I called to pay the {$650.00} and agreed to pay the interest, they declined my offer and wouldn't take my payment. The insisted I pay double when I have not even received paperwork on this debt nor have I even been served papers to validate their claims. 

The address they had on file is inaccurate and when I told them they state wasn't their problem.
Product: Debt collection

I received a letter from Firstsource Advantage LLC in XXXX XXXX  referencing XXXX Claim Number and Reference no. The company claims I had written a check to XXXX XXXX which has been turned over to them for collection. The check was for an amount less than {$8.00} and in addition I owe another {$25.00} for their collection service. I have verified online and with my bank that this check cleared. On XX/XX/2022 I sent a certified letter to Firstsource letting them know that the bank shows that the check had been cashed. Additionally I contacted the XXXX XXXX telephone number on my statement and they confirmed that they show the check cleared in their system. I have not heard back from the company. Meanwhile, I went to pick up groceries at XXXX and they were unable to cash my check due to an adverse notice from XXXX. I have spent an inordinate amount of time trying to understand why they are claiming that the payment I made to XXXX did not clear and whether the claim is a mistake or fraud! Thank you for your help. I have documentation I can submit. Please let me know if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent transunion a dispute about a inaccurate item that that are reporting on my credit report on XX/XX/2020 and i haven't receive anything or has the inaccurate item been remove from my credit.it has been over 30 days allowed by the FDCPA to respond, which is a violation and should be removed.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN COMPLAINING FOR MONTHS, TO BE EXACT XX/XX/2019! SOMEONE TRIED TO OPEN A DISCOVER CARD WITH MY NAME AND MY IDENTITY WAS STOLEN! I CONTACTED DISCOVER AND THEY KEPT PASSING ME ON TO OTHER PEOPLE FOR THEM TO HANDLE THE CALL! I WAS TOLD THAT I WAS GOING TO RECEIVE A DOCUMENT IN THE MAIL AND LOW AND BEHOLD THE DATE ON THE DOCUMENT SAYS XX/XX/2019 AND NOW ITS XX/XX/2019 AND IM JUST RECEIVING IT! I WAS TOLD THAT THIS WAS GOING TO BE OFF OF MY CREDIT REPORT! BUT TO NO AVAIL! I CONTACT AND ATTORNEY AND THEY TOLD ME TO FILE A COMPLAINT WITH FCC AND I DID JUST THAT! NO ONE REMOTELY CALLED ME BACK ABOUT THIS MESS! THIS IS HORRIBLE AND SO ARE THEIR PRACTICES! IVE BEEN CALLING AND ON HOLD IT SEEMS LIKE FOREVER, JUST TO BE REROUTED AND SOMEONE SAYING WE'RE SORRY FOR THIS THAT AND THE OTHER! NO TAKE THIS MESS OFF OF MY CREDIT REPORT!!! THIS IS NOT FAIR! I WAS EVEN TOLD THAT SOMEONE WAS GOING TO CONTACT ME, BUT DIDN'T AND I'M STILL WAITING!
Product: Debt collection

I am a victim of identity theft. Portfolio Recovery is attempting to collect a debt that was already flagged by the original creditor as identity theft. Portfolio Recovery is attempting to collect a debt from XXXX XXXX that was not opened by me.
Product: Credit reporting

After I filled out the questionaire, Equifax denied me access to my free credit report, asking me to mail in my request with personal information. I answered those questions truthfully, and I was denied access. If someone has been fraudulently using my identity, I should n't have to put myself even more at risk by sending a letter with my SSN via the mail. That 's completely ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX c: XXXX

XXXX XXXX XXXX c; XXXX

are not mine 

equifax reporting wrong information
Product: Credit card or prepaid card

american express will not fix my problem without me getting on the phone, which i can NOT do because i am XXXX. 

Please Call I CAN NOT CALL ON THE PHONE, I AM XXXX The concern on your account can not be resolved online. Please call XXXX at your earliest convenience. 
something is wrong an i am XXXX i can NOT call on the phone!!! 

FIX WHATEVER IS WRONG AND LET ME GO XXXX!! SEND ME AN EMAIL AT XXXX XXXX YOURSELF I AM XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a store credit card was filled out at the store CBXXXX that has a HIGH inquiry that I did not authorize consent..
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian gave my information out without law required proof they have gave out credit report to companies without my permission like XXXX XXXX XXXX XXXX XXXX XXXX. Experian has stuff on hard inquiries they companies on me report have never herd of me when the company checks they get back to me and tell me they dont see me ever having an account with them or even applied companies above is dome of the 50 companies on my hard inquiry that I have checked and the company 's never heard of me, when I filed a complaint Experian blocked me from calling writing and online account. I have applied for credit and they gave out false information to them. Then when denied credit they refuse to give me a free credit report, and When I get a report from a third party the refused to let me do a dispute. Then they even went as far as to call the XXXX, Tx police department telling me not to write call or even do anything on line with them so them refusing to do so they by federal law can not report my credit they have to remove anything I disputed then they even had a representative even threaten me. And one of the files is what they sent me on a resolution and a report nothing there
Product: Credit reporting or other personal consumer reports

acct # XXXXHas a late payment being reported the account was opened XX/XX/scrub>XX/XX/2021 I requested proof, in the form of a copy of the original envelope i mailed the alleged late payment in, which clearly shows the original postmark date, i also requested payment history of accounts balance dates and certified copy of original contract with my signature verifying this is indeed my debt.Under section 611 ( 5 ) ( A ) OF the FCRA-You are promptly required to " Delete '' all information which can not be " vERIFIED.
Product: Credit card

Incorrect information is being reported on my credit report, stating that I was late when, in fact, I have never been late.
Product: Credit reporting or other personal consumer reports

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. 

Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX  [ XXXX ] Equifax : XXXX XXXX  [ XXXX ] XXXX : XXXX XXXX [ XXXX ] I am in disagreement with the account listed below which still appears on my credit report. 
This is Aggravated identity theft according to 18 U.S. Code 1028A.n
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX account number XXXX, also reporting as XXXX XXXX account number XXXXThis is the account they fraudulently changed in XXXX of XXXX to XXXXas if this was a new account, when this account is over 8 years old fraudulent making it look like its a new account that has just been put in collections after 8 years. I have filed dispute after dispute. I am not getting any information as to why this old account is still being reported on my credit report under a different account number that i have no knowledge of. This account was opened XX/XX/XXXX. They are reporting that the last payment received was on XX/XX/XXXX and the law states that they have to remove any account thats older than 7 years old or from the last payment thats older than 7 years old. They are also reporting that the account was closed on XX/XX/XXXX. XXXX XXXX XXXX XXXX account number XXXX. They changed it to XXXXas if this was a new account under XXXX XXXX which is the exact same account changing the account number to make it look like a new account going in collection.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.