23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Responding to XXXX in which my complaint # XXXX regarding student loan was marked as a duplicate complaint. That complaint # was closed, however, after calling your company, I was advised to select a different option. My complaint with Navient student loan was sent back with the company providing inaccurate information regarding my initial complaints. I am re submitting my document so that a closer look can be taken on what I was provided and what the company response claimed.
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 USC 1681. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in both of my police reports. I'm a 3X victim of identity theft. The accounts do not belong to me and I have sent in proof. Why they are still reporting these accounts I asked to be deleted. What other proof do you need.
Product: Student loan

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EQUIFAX and the account name is USDOE/XXXX  balance {$0.00} account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED MY DISPUTE TO ALL THREE CREDIT BUREAUS BY MAIL LAST MONTH AND I STILL HAVE NOT RECIEVED AN RESPONSE REGARDING MY ISSUES WITH TWO ACCOUNTS. I WOULD LIKE TO SEE IF THE CFPB CAN SEE WHAT THE PROBLEM IS AND MAKE THEM PROCESS MY PAPERWORK BECAUSE I'M TRYING TO BUY A NEW HOUSE. ATTACHED IS A COPY OF EVERYTHING I SENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a XXXX XXXX XXXX, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see the items below ACCOUNTS XXXX XXXX not mine XXXX/XXXX XXXX not mine XXXX XXXX XXXX {$270.00} not mine XXXX XXXX XXXX XXXX {$360.00} not mine XXXX XXXX {$330.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are 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
Product: Debt collection

I had an outstanding balance with XXXX ( XXXX XXXX in Virginia ). I get XXXX notification from the debt collection agency ( NCC ) with the indication of having a lien on my bank account, which took place today XXXX/XXXX/15. I believe that they have no right to garnish or freeze my acct. The following is what I read on my attorney general 's website. 
" When Can a Creditor Garnish Your Wages in Virginia? 
Most creditors can not get a wage garnishment order until they have first obtained a court judgment stating that you owe the creditor money. For example, if you are behind on credit card payments or owe a doctor 's bill, those creditors can not garnish your wages ( unless they sue you and get a judgment ). 
There are some exceptions to this rule. Your wages can be garnished without a court judgment for : unpaid income taxescourt ordered child supportchild support arrears, anddefaulted student loans. " No court order was issued, only XXXX notification received and it does n't seem right that they processed this in such a way.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to TXXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Student loan

I refinanced my student loans through SoFi. I submitted an application and accepted interest rate of 3.05 % before their stated deadline of XX/XX/2021. On XX/XX/2021, I received a call from a SoFi representative stating that my interest rate was increasing to 3.55 % because they were unable to verify my income based upon my pay stub. As instructed, I uploaded my pay stub to my online portal. 

On XX/XX/2021, I called SoFi to follow-up on the status. I was informed that the initial 3.05 % rate had expired. I then asked to speak with someone on their escalations team because I did not understand how the rate expired if I followed their instructions and it was SoFi 's delay in contacting me to ask for more proof of income. I then spoke with XXXX XXXX on their escalations team to explain the situation and to explain the pay stub and prove that I made the income that I represented. It appears that SoFi was simply looking at my gross income, however, as a travel nurse, I receive tax-free funds that are no included in that gross figure they were going off of. I explained XXXX XXXX that SoFi needs to add up the gross amount as well as the tax-free portion of the pay stub. XXXX XXXX seemingly understood and said that if all of my paperwork was initially in prior to the deadline, then I should receive the 3.05 % rate. She then stated that she would have a " reviewer '' look at my file and get back to me ASAP. Immediately thereafter, I also uploaded a new pay stub that I received ( since I was just paid again ) as well as a copy of my bank statement to show how much income I was receiving. 

On XX/XX/2021, I received an email from an " XXXX '' at SoFi indicating that they can only offer me a 3.55 % interest rate. I emailed XXXX XXXX asking why this was and I received a response from " XXXX XXXX '' indicating that the previous rate already expired and that this new rate was based on the income paperwork. This is just going in endless circles even though I accepted a rate of 3.05 % and submitted my necessary proof of income. SoFi appears to be luring consumers in with lower interest rates and then hitting them with a higher rate without any logical explanation- they simply repeat themselves over and over again. 

Their delay in processing your application and general incompetence has now forced me to accept a higher interest rate.
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 fees due to lagged posting of charges 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 do believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

I tried working with both Citi Bank and XXXX XXXX XXXX. I filled a dispute with my credit card company on XX/XX/XXXX over the phone that XXXX XXXX XXXX went over my {$1000.00} Credit Limit. I made 3 extra payments torwads my credit card ( XX/XX/XXXX {$320.00}, XXXX {$300.00}, XXXX {$100.00} and XX/XX/XXXX {$200.00} ) during the duration of the car rental to me the obligation amount. Citi decreased my credit card limit from {$1000.00} to {$490.00} when I filed my dispute. They reversed the {$1200.00}. the charge and post it back on my credit card that I am unable to pay. Now, Citi expects me to pay {$1200.00} by XX/XX/XXXX. I can not meet that obligation due to the lack of work and I won't start work until after XX/XX/XXXX. I work as a XXXX XXXX  and my last assignment ended in XX/XX/XXXX. I was NEVER LATE paying my credit card obligation to Citi and yet they decreased my credit card limit because I have other credit card balances. I don't see how that had anything to do with my flawless pay history with Citi.
Product: Credit reporting or other personal consumer reports

Request for Removal of Closed Accounts Reporting No Balance I am writing to formally dispute and request the removal of closed accounts on my credit report that are reporting a XXXX balance. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, I am entitled to accurate, fair, and verifiable reporting of information on my credit file. 
Upon reviewing my credit report, I noticed the following closed accounts that are inaccurately listed and are no longer relevant : According to the FCRA, any information reported must meet strict standards of accuracy, relevance, and necessity. Closed accounts with no balances have no bearing on my current creditworthiness and are, therefore, irrelevant and potentially misleading. 
Furthermore, under Section 605 ( a ) of the FCRA, outdated and irrelevant information must be removed from my credit file. Reporting these closed accounts with XXXX balances serves no purpose other than to unnecessarily clutter my credit profile, which can mislead potential creditors and violate my rights as a consumer. 
I kindly request that these accounts be investigated and permanently removed from my credit report. Please provide written confirmation once the accounts have been removed or provide documentation verifying their continued relevance and accuracy. 
If these accounts can not be verified or meet the standards outlined in the FCRA, I expect their immediate removal. Failure to comply with this request may compel me to take further action to enforce my rights under consumer protection laws. 
Thank you for addressing this matter promptly. I look forward to your response within the 30-day time frame allowed by law.
Product: Credit card or prepaid card

I have the chase sapphire reserve card. Or I did. I was upset yesterday on the phone and cancelled. 

Here is my complaint : On XX/XX/XXXX, I tried to take advantage of a zero percent balance transfer for 12 months that was being promoted. I was confused by a notice I got that said it would be included in my overall balance and was afraid Id have to pay it off immediately if I continued automatics payments as I had set up to pay in full. I called to inquire before doing the transfer. My impression from that phone call was that I could turn off automatic payments and pay any balance over the {$12000.00} I was planning to transfer for the 0 percent apr for 12 months. My impression was that if I did this I would avoid additional interest and fees on other purchases. Its possible I misunderstood, but this was my impression. I did the transfer and paid the 5 % transfer fee of {$600.00}. Ive noticed several fees since then so I called yesterday to inquire. Im told that when I apply payments above the minimum amount due that it automatically goes to the lowest interest in my balance. ( My balance transfer is now down to something in the {$9000.00} range ). They say that I can not specify that I want my payment to go toward other purchases first. The only way to avoid paying interest on new purchases is to pay off my transfer first. Im not the most credit savvy but a brief search online tells me the credit CARD act of 2009 should allow me to pay higher interest first. The person I spoke to yesterday tells me that, even if they reviewed my call from XXXX before I did the transfer and they confirmed I was told by their agent that I could pay any balance above {$12000.00} and not accrue more fees for interest, it was false information from their costumer service and legally Id still have to pay off my zero percent transfer before I can apply any payments to higher interest purchases and be accountable for all interest fees Ive already accrued. This feels very deceptive at a minimum. Is it legal for them to not allow me to pay my balance toward higher interest purchases first?? Thank you.
Product: Mortgage

I contacted U.S. Bank the week of XX/XX/2016 to refinance a loan on a lot we have had with them for over 8 years. I had 2 months to do this since the loan was due to mature in full XX/XX/2016. The delays from U.S. Bank in returning my calls and my emails, delayed the process to the point that I am now in default on this loan. I am still in process of re-financing and U.S. Bank has now reported my payment as 30 days late when they wo n't even allow me to make a payment unless it is payment in full. I am in this situation due to the extensive delays in U.S. Bank 's response time to my numerous calls and emails. I started this in XX/XX/XXXX to avoid the exact situation I am now in and it took them until XX/XX/XXXX to submit my application. We have never missed a payment in 8 years and I have asked U.S. Bank to extend the default day from XX/XX/XXXX to XX/XX/XXXX and no one at U.S. Bank is willing to help. My loan officer simply said they can not help to extend the default date and gave me a general number to call. I have spent hours now on the phone with U.S. Bank trying to find someone to help me extend the default date just to XX/XX/XXXX and no one can or is willing to help. I am so frustrated as I was told to call U.S. Bank back about 2 months before the maturity date which I did, to start the process. I made it very clear to my loan officer I wanted to make sure this was complete before the maturity date and that I was concerned about getting it done in time. He assured me it would n't come to that but then they denied my re-finance application on XX/XX/XXXX! This now made it too late to get anything done before the default date of XX/XX/XXXX. No one at U.S. Bank seems to care except one Mortgage Supervisor in Minnesota who has spent time with me on the phone trying to help but does n't have the authority to extend the maturity date. I am still in process of re-financing this loan and have found a bank that is able to do so but U.S. Bank is still not willing to help in any way. I would like U.S. Bank to take the late payment off of my credit since this is due to their lack of responding to my many emails and calls that put us in this situation and I would like them to extend my default date to XX/XX/XXXX. They certainly are n't concerned about our situation or finding any other way to assist us. I am extremely disappointed in their customer service.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed proof of my identity and a copy of my FTCIdentity Theft Report. 
In accordance with the Fair Debt Collection PracticesAct, I am asking you to immediately stop all collection activities about this debt, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft. 
I have enclosed a copy of the Notice to Furnishersof Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRArequires that debt collectors give an identity theft victim documents related to an account if the victim asks. 
Pleasesend me copies of all records relating to the account, including : Pleasesend me a letter explaining what you have done to : XXXX {$650.00} XX/XX/2023 XX/XX/2023 Account applications made on paper, online, or by telephone Account statements or invoices Recordsof payment or charge slips Delivery addresses associated with the account Recordsof phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Inform the business where the account was opened that the debt is the result of identity theft Stop collection activities against me Stop reporting information about the debt to credit reporting agencies If you've already reported the debt to credit reporting agencies, notify them that the debt is the result of identity theft Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX XXXX Enclosures : FTCIdentity Theft Report Proof of identity Notice to Furnishersof Informatio
Product: Credit card or prepaid card

I received a new Bank of America card for my account and was told by customer service today XX/XX/2018 that my account XXXX had been closed last month for inactivity. When I spoke with customer service I was informed that the account could not be reinstated because the terms and conditions were no longer available. 

I have had an account with them for nearly 30 years and I suspect that my account came under scrutiny because I had retired last year and this was an easy way to eliminate the account that was no longer as profitable for them. 

They offered to let me apply for a new account under what I assume would be less favorable conditions ( Especially because my income has obviously changed since my retirement.
Product: Credit reporting

A few months ago I ended up filing some disputes because there was incorrect and incomplete information on my credit report. So I prepared a nice letter and sent it with a copy of my driver 's license, proof of my social security number and proof of my mailing address so that Experian would be able to verify my identity. 
It has been at least XXXX months since I mailed my letter and I have n't heard back. When I try calling their XXXX number they want a report number before I speak with an agent and since I do n't have XXXX I ca n't speak to anyone. 
I thought that the credit companies had to respond back to me within XXXX days otherwise they are supposed to remove things from my credit report?! 
Well it 's been way more than XXXX days and all of the stuff I disputed is still there. I know I can go online and buy a credit monitoring service and try to dispute things online but I thought that Experian is supposed to help me for free! 
I 'm at the point where I 'm done wasting time and need to get this fixed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that the following fraudulent inquiries be blocked and deleted from my credit report. These inquiries were not authorized by me and are the result of identity theft or the data breach. 
Please take immediate action to block and delete the following inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Inquiries to be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a refund from Navy Federal Credit Union for my mortgage overpayment. The refund was intially sent in the form of a check. My mail was delayed because I was in the process of relocating. I contacted Navy Federal Credit Union and asked them to cancel the check and deposit the amount in my savings account instead. The refund amount of {$370.00} was deposited into my savings account on XX/XX/2022. On XX/XX/2022 Navy Federal Credit transferred this amount to their debt collections department. I never received notification and was never contacted by their debt collection department. I contacted Navy Federal Credit Union this evening to find out why the refund for my mortgage overpayment was transferred from my savings account.
Product: Credit card

Used my card to pay for service/fee ( exit tax at XXXX XXXX airport ) and the merchant processed as a cash transaction. I was unaware of this. I was charged {$10.00} plus interest. Barclaycard offered to remove both charges, which is fine but that is only part of the problem/resolution.
Product: Credit reporting or other personal consumer reports

There were 3 personal loans XXXX, XXXX. XXXX were open fraudulently by XXXX and were sent to XXXX XXXX for collection. XXXX XXXX never contacted me either via email/mail/phone to try to solve the issue but sent the account straight to collection causing and extremely negative impact on my credit reports and employment. 
I contacted Experian and submitted a police report and a copy of complaint with Federal Trade Commission but nothing has been done by Experian.