23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 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 need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX. XXXX XXXX Account Number : Amount : {$7300.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account Number : Amount : {$820.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Account Number : Amount : {$4000.00} Date Opened : XX/XX/XXXX I request that these accounts be deleted from my credit file because they are fraudulent and do not belong to me. These entries are creating unnecessary stress in my life and preventing me from moving forward. I am requesting that they be removed so that I can continue to make progress with my goals without further setbacks.
Product: Payday loan, title loan, or personal loan

On Tuesday XX/XX/, I had about 19 outstanding odds pre approvals for loans, about 7-9 of them were from onemainfinacial for up to XXXX. I applied for the loan due to outstanding odds and excellent pre-approval rates. When I applied, i immediately got an inquiry on XXXX, yet the rep told me they can't process my application " due to a county wide flood watch " " in my county New York, due to the hurricane, one main was not allowed to process loans in my area " I live in XXXX with credit score well over 700. I called back and asked how was that possible when I was referred to apply for a loan from a family member in area, they said send a tax return and said they can't approve it due to tax return. I told them that I along with millions of other Americans had minimal work during the Pandemic ( I still worked briefly and paid taxes which reflects on my return ) and they said that doesn't matter and it's understandable for me to complete the application ( I got a inquiry and was basically denied and discriminated against before my application fully processed ) .after denial I'm still at excellent approval odds for a loan double the amount. Clear lies, deception and unfair lending practices. I'm taking this level of discriminating and unfair lending practices to court to seek monetary damages.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to the delayed posting of charges and credits, I was unfairly charged overdraft fees. 

To make matters worse, my account was subsequently closed following these overdraft charges, which has caused significant inconvenience and financial stress. This issue appears consistent with recent findings by the Consumer Financial Protection Bureau ( CFPB ), which identified similar practices by Navy Federal Credit Union. Specifically, transactions settled with insufficient balances despite initially having adequate funds available at the time of authorization. 

I believe these practices are both deceptive and unfair, and I request an immediate review of my account and a refund of the overdraft fees applied. Additionally, I would appreciate clarification on the process and reasoning that led to the closure of my account under these circumstances.
Product: Credit card or prepaid card

On XX/XX/2020 US Bank sent me a letter letting me know that they have elected to close my personal credit card and my business credit card. The only other information provided was the name and phone number of someone who worked there for more information. 

I called that number, and I was told that MONTHS AFTER i voluntarily chose to close my personal checking account, they chose to do a review, and because of that review, they have chosen to close my credit card accounts. I asked why they needed to close my credit card accounts, especially since there is nothing wrong or illegal in me closing my personal checking account. The individual who i talked with over the phone from US BANK said that that is all the information they are given, and if I wanted more information, I would need to mail the Office of the President, so I did. 

When i received a response from The Office of the President, a few weeks later, they reiterated the same information that I already knew. They said that they can't share what the review findings were, but that they are in their right to close any accounts they see fit because it is in my card member agreement for my credit cards. 

I have never been late, delinquent, or have missed payments. I still don't know why my accounts were closed, and it is frustrating to try and get an answer from US BANK. After this occured, a few weeks later I applied for a Business Credit Card, and was denied. Part of the reason was the following : " Credit obligations with us have been delinquent ''. I have never had any delinquencies with them, and US BANK has chosen NOT TO TELL ME what has made me delinquent. 

This behavior by US BANK is unfair, and inappropriate. I get the feeling that because i chose to close my personal checking account months ago, they retaliated by closing my credit cards, and making sure i never receive any of their products again.
Product: Student loan

Navient is awful. Apply every year through studentaid.gov for renewal of XXXX. This year I receive notice from Navient that I'm in default. I call having no idea that the government does not own my loan, Navient states I have some commercial loan with them and they don't deal with studentaid.gov any longer. I have no clue what's she's talking about, never heard this until now had these loans beginning XXXX all news to me, she says the only way to avoid being turned over to credit bureau is entering forbearance! She said that was the only way to avoid credit reporting. Today they say I don't qualify for any forgiveness for 25 years. They told my co worker the Biden admin announced student relief know there loans would not qualify and only said they would to look good in mid term election. WHAT KIND OF CROOKED COMPANY DOES THESE THINGS? HOW CAN THEY CONTINUE? Someone has to do something. They are.destroying lives!!! I emailed senator asking for help also. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Report number- XXXX result date XX/XX/2019, source Experian. The report does not show that I am on a payment plan with XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$2300.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$4200.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XX/XX/XXXX Open/closed Closed Balance {$10000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$2300.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$15000.00} XXXX XXXX XXXX Account number XXXX Collection Date opened XX/XX/XXXX Balance {$390.00} XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Open/closed XXXX Balance {$2300.00} XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$4200.00} XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$10000.00} XXXXXXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$2300.00} XXXX XXXX Account number XXXX XXXX XXXX XX/XX/XXXX Open/closed Closed Balance {$15000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$150.00} XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$2300.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Open Balance {$4200.00} XXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$10000.00} XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed XXXX XXXX {$2300.00} XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$15000.00} XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Balance {$150.00}
Product: Debt collection

I received a collection notice from : The collection Firm or Franklin Collection Services, INC XXXX XXXX XXXX, XXXX, MS XXXX, XXXX. Attempting to collect on an aged satisfied balance account with XXXX XXXX XXXX.
Product: Credit card

I opened my first Citi credit card in XXXX. Since then I have opened XXXX cards. I have never been late on a payment. I have never missed a payment. I have never been late or missed a payment on any credit card in my entire credit history throughout all XXXX credit agencies since my credit history began. The dates I will be quoting are from my XXXX credit report. On XX/XX/XXXX Citi lowered XXXX card limit from {$3000.00} to {$500.00}. This was a brand new card that I got for the bonus miles. That was no longer possible due to the lowered limit. Next, on XX/XX/XXXX, Citi lowered another card from {$6000.00} to {$4400.00}. The previous usage was 71.58 % and the new utilization became 96.89 % with the decrease. This was a specific issue because I had opened a dispute on this card on XX/XX/XXXX for {$2000.00}. Citi has still to this day XX/XX/XXXX, denied my dispute. I have reopened it XXXX  times. This is a very upsetting issue. I followed all instructions from Citi and there is no reason for these denials. I've never been contacted by the disputes dept regarding my cases once. I will be making a different complaint regarding that dispute. Through the summer I fought with Citi about reinstating my limits and how these actions were causing high utilization which lowered my credit score.That did not work. Then, on XX/XX/XXXX, Citi lowered my original card which was opened in XXXX, from {$7000.00} to {$5800.00}. The Previous usage was 83.7 % and the new utilization became 99.9 %. The XXXX and final card I have with Citi is the kicker. On XX/XX/XXXX Citi lowered my {$10000.00} limit to {$300.00}. My previous usage was 0.74 % and the new usage was 47.33 %. Now, this all caused the most amazing waterfall effect to my XXXX XXXX that I think existed. If this is not credit abuse, I don't know what is. The excuse given to me was high utilization. Well. I believe that Citi caused this on every level. You can see the chasing trend on my credit report. They would decrease my limit. Then wait until my credit report catches up on the findings. Then do it again claiming the reason is high utilization as the cause. They were causing extremely high utilization. They then continued that trend and blamed me. My credit dropped over XXXX points in XXXX  months. It went from Very good to poor. I complained to the XXXX. XXXX  did recommend I come here. Citi offered the solution of reapplying and requalifying for higher credit on my cards. I then asked if they realized what was done? If they already knew that wasn't possible because my credit was demolished now because of the actions Citi took? They said yes, they knew that. So we agreed that was not an actual option for me and they apologized and wished there was a solution. I worked hard to build my XXXX XXXX and available credit. I stayed so diligent all these years paying on time. I upheld my end of the credit card agreement. you give me credit, I spend it, I pay for it. I am a ( very ) small business owner and single mother to a XXXX XXXX student. To take all of this from me is taking my air! Whatever documents that are wanted or needed I will submit. Please ask. I have everything.
Product: Credit reporting or other personal consumer reports

I sent letters to Wells Fargo specifically informing them that I was not " disputing '' at this time and needed further information so that I can properly review my credit reports and they failed to provide me with information other than they have deemed my account to be reporting accurately. I demand they send the information I have outlined within my letters immediately and do not appreciate them delaying this matter any longer.
Product: Debt collection

I sent an email on XX/XX/year> requesting a debt validation, and my statements from XXXX. I have received no follow up correspondence, except for calls and emails that I have now past due payments. They have taken previous automatic payments from my account without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of EOS CCA ( Original Creditor : XXXX ) - XXXX ( Collection ) account and XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
Product: Checking or savings account

I am filling a complaint against Capital One regarding the deceptive practices related to their XXXX XXXX XXXX XXXX XXXX accounts. Capital One misrepresented the XXXXXXXX XXXX account as having XXXX of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by XXXX XXXX XXXX Account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Mortgage

On XXXX I was approved for a forbearance with select portfolio servicing. However, I was under the impression it was a modification which I later found out to be the forbearance. In XXXX of XXXX I was told my new payments were going to be roughly {$1500.00} a month. At that point I made my monthly payment in XXXX and XXXX. In the end of XXXX I was told I had the forbearance and I was behind in payments by the amount of {$4700.00}. At that time I considered refinancing my home, but was unsuccessful because the housing market had crashed. XXXX XXXX my payment amount begin to fluctuate around the amount of $ XXXX {$1700.00}. I contacted XXXX in XXXX of XXXX to start the modification process to save my home. I submitted all of the required documentation that was need in XXXX and again in XXXX. I was told by XXXX that my modification was approved and all my documentation was sufficient. I was placed on a trial payment plan in XXXX of XXXX in the amount of {$1400.00} ; I made all the required payments in XXXX, XXXX and XXXX ( all payments were automatically withdrawn from my bank account. ) On XXXX XXXX, XXXX I received a letter from XXXX stating that my modification was approved and new payments were to begin on XXXX XXXX. I just needed to sign the loan modification agreement by XXXX XXXX XXXX ; which I did on XXXX XXXX. I submitted the signed documentation by fax on XXXX and originals by FedEx on XXXX. On XXXX XXXX I was contacted by XXXX and was told that my divorce decree was not sufficient. This is the part that I am confused on, because in XXXX and XXXX my divorce decree was used at that time but now I am being told that it is not sufficient to complete my modification ( which was already approved ) and they have now stated they will denied my modification and start the foreclosure process on my property. I have tried to contact them to see what is the issue with my divorce decree and have spoke with several managers and was told " there is nothing we can do '' and then have been hung up on. I asked if I may file a complaint, I was told they do not do compliant. I spoke with XXXX XXXX XXXX and XXXX XXXX. XXXX has stated my past due amount is {$6900.00} as of XXXX XXXX.
Product: Credit reporting

I used the website www.experian.com to pull credit reports from my mom and my dad. I thought when I was just pulling a credit report and then find out that it is a membership for credit monitoring. I tried to cancel the membership with the company and they refused to cancel. I tried to get a number for the billing department and they refused to give me the number to call billing. The only number they would provide is a number for their membership services. Their website is also misleading because the company does not disclose that they are not the credit reporting agency experian. This company should disclose on the first page of their website that they are a for profit business and that they are not the credit reporting agency. Experian.com should be required to disclose that they are not the credit reporting. When I talked to XXXX XXXX # XXXX she verified that the company would not disclose the phone number for their billing department. The only phone number provided to me from XXXX was the number to their membership department.
Product: Credit card or prepaid card

Your company Capital One, Kohls did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). 

If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ).
You can prove that this process mandated by the FCRA took place between your company, XXXX and XXXX consumer reporting agencies?
Capital One Bank, KOHLS did not respond to dispute letter XXXX-2017 Per the Fair Credit Reporting Act section 611 your company did not  complete an investigation within 30 days.
Product: Debt collection

Trying to purchase property they run my credit, collection account was not active, I initiated contact by mail. Collection company purchase a collection account that is old. 
I request a Validation of the account, company fail to provide prove and breakdown of fees, date was sold, amount was sold, amounts they add on, copies of all documents. 
Account was remove from my credit and know is back under other collection company. Company fail to provide prove of the account and verification. Know they are calling everyday all day with will take legal action, where is getting to a point that are screaming over the phone. Thread of taking to court or calling my work for payments.
Product: Credit reporting or other personal consumer reports

I am disputing incorrect information being reported on my credit report by XXXX XXXX regarding a credit card account that I previously held. 

- **Account Number : ** XXXX - **Account Status : ** Closed - **Payment Status : ** Charge-off - **Balance Owed : ** {$960.00} - **Credit Limit : ** {$1100.00} - **Account Type : ** Revolving - **Account Rating : ** Closed - **Date Opened : ** XX/XX/XXXX - **Date Reported : ** XX/XX/XXXX - **Date of Last Activity : ** XX/XX/XXXX - **Last Verified Date : ** XX/XX/XXXX - **Closed Date : ** XX/XX/XXXX **What happened : ** I had a credit card with XXXX  XXXX, and I have never missed a payment on this account. Despite this, my credit report incorrectly shows a balance of {$960.00} listed as a charge-off. I have contacted XXXX XXXX multiple times to request that they update my credit report to reflect " paid as agreed and never late. '' However, I keep getting the runaround, with representatives promising to make the updates, but no action has been taken.
Product: Student loan

I have corresponded with XXXX studentaid.gov on dates of XX/XX/XXXX and XX/XX/XXXX and several others. The principal is XXXX and interest is XXXX. My taxes have been taken throughout the years due to this account. I have hit hardship plenty of times and also has failed in obtaining property for housing due to this matter. My correspondence has requested the agency to restate the rightful agent as power of attorney and to reverse all equity, interest, principal, to the rightful heir of the contract.