23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Capital One is limiting the amount of banking data they share with third-party applications. As this is my personal data, they should not be allowed to dictate the terms of that data sharing. I should be able to use applications and tools that enable me to live a healthy financial life -- and this shouldnt be limited to the services provided by Capital One. As such, I am submitting a complaint against Capital One because no consumer should be locked out of their own data.
Product: Credit card

CBNA made a hard inquiry on my credit without asking me. I already have a citi bank card and have had it for a year, why are they pulling a hard inquiry and lowering my credit score by XXXX points???
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union has not reported my auto loan to XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I applied for citi bank credit cardXXXX " Citi Rewards+ ( SM ) Card '' at XX/XX/2019 and got approved at XX/XX/2019 XXXX Please see the attachment file ), I did not receive that credit card until now, the citi bank kept telling me " Citibank has received returned mail from the Post Office pertaining to your account. " However, I checked my address which is correct and I also received the debit card from citi bank successfully which means there is nothing wrong with my address. I made couple calls to citi bank credit card department, they kept telling me can not locate my account and just hang up on me. It has already been 5 months after I got approved of the application but I still haven't receive the card, I don't know what to do.
Product: Mortgage

I was approved by Universal American Mortgage Company ( UAMC ) for a jumbo mortgage at 4 %. I was provided a cash to close summary and a good faith estimate. Without notice and just 23 days prior to closing I was told that my rate was 4.5 % yet rates had not changed in the marketplace. Facing being homeless, I locked in at this rate and was provided a new cash to close summary and good faith estimate to cover UAMC 's tracks. I was told the reason for the change was due to a drop in my credit score and some reference to a non-existent business loss. While there was a drop in my credit score from XXXX to XXXX, the XXXX still exceeded to requirements of the loan when I first applied. There was no loss in my business which the IRS can attest to based on the taxes paid to them on profits as an XXXX XXXX UAMC 's bait and switch tactic will cost me over {$38000.00} over the life of the loan. They are crooks.
Product: Credit reporting or other personal consumer reports

Im deeply upset to see unauthorized inquiries on my credit report today, and I have no idea how they got there. I checked my report as usual, but suddenly these discrepancies appeared. I tried refreshing my browser, hoping it was just a glitch, but the inquiries remained. This situation needs to be resolved immediately, and I urge you to thoroughly review the documents Ive sent to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of the account listed below on my credit file. The account information is incorrect and misleading due to repeated and inaccurate charge-off entries : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Balance : Account charged off. {$13000.00} written off. {$13000.00} past due as of XX/XX/year>. 

This account has been listed as charged-off on a month-by-month basis in the payment history section of my credit report. A charge-off is a one-time event that should not be continuously reported as if it occurred multiple times. This ongoing reporting is inaccurate, misrepresents the account status, and unfairly damages my credit profile. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. By allowing this incorrect and repeated reporting, the credit bureau has failed to meet its obligations under the law.
Product: Debt collection

Transunion reported on my credit report on XX/XX/XXXX that I have a collection for {$210.00}. That is the wrong date, the account was opened XX/XX/XXXX. I never recieved anything in mail about this account. I called the collection agency and they gave me information and told me that the account was being sent to another address that I know longer stayed at. I paid the debt and Transunion telling me that they can't remove the debt. 

I had no knowledge about this debt when it reported on my credit report. 
The last letter was sent to an address that I know longer lived at, XXXX. I haven't been at that address for 4 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I tried to make an order on XXXX  through Zip for 2 XXXX XXXX XXXX. The order never went through and I never received an email for the order from XXXX  or Zip. Zip also automatically took a second installment payment without authorization. After contacting Zip and XXXX, neither seem interested in providing a solution to refund me my money for items I never received. It was a waste of time trying to deal with their customer service. The amount was for {$58.00}. Zip took 2 payments of {$14.00}. They will likely take the third payment by the time I get a response from this report.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit card

I received an email on XXXX/XXXX/16 that my Kohls credit card was past due. I thought I had scheduled a payment. I accessed their website on that day, the website did n't show a payment or a pending payment so I scheduled a payment as I must have forgot to schedule a payment for my XXXX bill. Now I have a payment out of my checking account on XXXX for approx. {$400.00} and a XXXX payment on XXXX for the same amount. So the second payment overdrew my checking account and kohls has a XXXX payment showing on their system which has n't been deducted from my checking account. They ca n't explain the XXXX payment. They think it wo n't go through but ca n't guarantee it. I asked for the refund of the XXXX payment and they indicated that it would take weeks for me receive by check. They indicated that had I done it through a representative that they could have electronically refunded me the money. I think holding on to my money for weeks is wrong since I have now incurred fees on my checking account.
Product: Mortgage

Describe what happened so we can understand the issue ... 
I became delinquent with my XXXX dues and in order to catch up a settlement stipulation was proposed and accepted. Approximately 6 months later the attorney who I was sending payments to was fired by my home owners association. At this time the balance owed was approximately XXXX dollars. The new attorney fees brought the balance up to approximately XXXX dollars. I was approved for a short sale by the mortgage company but received an estoppel letter from the home owners assoc attorney, demanding XXXX. After the sale was stopped the attorney demanded the XXXX in full ( even though i was making payments on the settlement stipulation ) or threatened foreclosure. They did foreclose and the association bought my condo at auction for XXXX dollars. Now the mortgage company is auing the homeowners assoc and me. 
In spite of the fact that I had received a modification on my mortgage and was current I believe my homeowners assoc and thier attorneys strong armed me out of my condo. 
I am niw looking at probably having to file bankruptcy due to their actions. Any assistance you can provide will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$7500.00}
Product: Debt collection

On approximately XX/XX/XXXX, I noticed a garnishment on my paycheck. 
I received a copy of the judgement from my Human Resources Director. 
I was not served at anytime, or afforded the opportunity to dispute this debt in court, and this company was given a default judgement. 
The last known address that they indicate was from more than 4-years ago, l. I legally changed my address with both the US Postal Service and NYS Department of Motor Vehicles on or about XX/XX/2014 ; which if this company had researched, they could have located my current address, rather than using " Sewer Service '', which is illegal in NYS  Additionally ; This Jusgement was filed in a county that I do not live in and is in no way associated with me. 
THIS COMPANY HAS NEVER ATTEMPTED TO SERVE ME OR CONTACT ME IN ANY WAY PRIOR TO FILING FOR THIS JUDGEMENT. 
I plan on pursuing an order to vacate this judgement as well
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consuming rights to privacy and confidentially under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A Status 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 convictions of which antedates the 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I refinanced my XXXX student loan through SOFI. I have only ever had one student loan with a balance of around {$40000.00} and that was the one I refinanced simply for a lower interest rate. I refinanced it around XX/XX/XXXX and by XX/XX/XXXX the existing loan with XXXX still had not been paid off by SOFI. I was only a little concerned at this point because I knew it can be a long process. Around that time my new loan with SOFI ( the one a now should have with the lower interest rate ) and it had a balance of {$44000.00}, but my existing loan through XXXX still had not been paid off. Then I saw on my XXXX loan payment history there was a payment of {$4400.00} towards it from SOFI. They sent the wrong amount of money to pay off my existing loan- they sent {$4400.00} when they should have sent over {$44000.00} ( the balance of the new loan with the lower rate ). As of XX/XX/XXXX I have had two loans and two monthly payments. This is fraud and I chatted with multiple agents from SOFI and all had told me my existing loan has already paid off, I have spoken with multiple agents on the phone and they lie to me. One agent transferred me to XXXX XXXX instead of someone else in your department. They all say they cant do anything and I just get transferred for hours. One lady told me there was a glitch in the system. That same lady told me there was an error with the payment and the funds were resent on XX/XX/XXXX via ACH to XXXX and the payment should be posted to your account by XX/XX/XXXX the latest. The payment never showed up on my account- the only payment is the monthly auto pay that I am still paying for and it should have been paid off by now. I am extremely upset as now by debt has doubled, I have been struggling with two monthly payments, and nobody at SOFI is able to help me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a guy named XXXX called from a company called XXXX XXXX because I had expressed interest in his mentoring program. XXXX sent me something to sign electronically while he had me on the phone. I didn't get a chance to read it and they never sent me a copy. I was under the impression, the money he charged me for in the amount of {$870.00} was for marketing mentoring from XXXX XXXX. And it was the 1st payment of 4 payments they were going to withdraw from my account in 30-day increments to equal {$3500.00} in order to help me start an online business. As soon as I gave them my cash app debit card number, they sent me an email from a guy named XXXX to join a zoom meeting with him in about an hour. I joined and they recorded it. XXXX 's email was from another company called XXXX and it looks fraudulent now that I looked it up. I thought I was going to be receiving help from XXXX XXXX. The guy named XXXX spoke with a very heavy foreign accent and gave me his email : XXXX to contact him with questions on starting my own business. And, I could not understand his accent. In the meeting, I asked for a refund because I felt this wasn't what I signed up for. He told me to send an email to XXXX. I have sent several emails. They refuse to give me a refund. I reported my card stolen to Cash App  and it has been canceled so they won't charge me anymore. The support at XXXX XXXX told me they are now going to keep my money for a course. I told them I would take a look at it. I went through the first few modules and there was another guy named XXXX who was training and also does live training on Thursday who also has a very heavy foreign accent. And, I can not understand what he is saying. The course is useless to me. I have begged them to give me a refund. I have no use for the training I can not understand in a foreign accent. This is not what I expected. I have filed a dispute with the Cash app. After I go through the process and tell them what happened, they respond with the same email asking me to file a dispute. they have done this many many many times. They always send me an email telling me the steps to file a dispute which I have already done a whole bunch of times. They do mention that they will send a link to something they call an Information Retrieval Form. But they have never sent that link. In the email, they mention a toll-free number I can call to get help. The number goes to voice mail saying they have no one to answer the lines and help. I sent several emails with the name of the merchant, the amount of the transaction, the date it was made, and the reason for the dispute. Then they always tell me if I need help, I have to Go through the app and contact support. I have done that many many many many times. And every time, they say they have no information and I need to follow the steps to file a dispute. Today is XX/XX/2022, and I have been going through this ever since XX/XX/2022, with no help from anyone at all. I want a chargeback for the {$870.00} they took from me for services I never received and a course I do not want because it is useless to me.
Product: Credit card

I called in XXXX to close the account then in XXXX they took money from my checking account. I called them. Told them I closed the account in XXXX upon further looking she saw I requested a statement showing I had a XXXX balance and I wished to close the account. She would close the account. I asked that my {$10.00} be returned. The money was returned now they say XXXX behind and charged me I late fee. I want this problem fixed. I called back and the lady said XXXX hours but every day I get a text from them I owe them {$38.00}. 
The last XXXX number are XXXX. 
I wish this problem be fixed and no late charge on an account that is closed. 
Thank You XXXX XXXX
Product: Student loan

I took this loan out in 2006 prior to the financial collapse and new regulations of student loans. I have since made payments on this loan for the past 3 to 4 years until I have endured financial hardship and am unable to make payments. I requested an unemployment forbearance/deferment but was denied and was told my private student loan offers absolutely no temporary relief what-so-ever despite having paid on time for many years and never requesting a forbearance before. I have contacted several individuals at XXXX XXXX XXXX and KeyBank in an attempt to try to get some help but have been given the run around and repeatedly been given different answers. 
KeyBank should not be in the business of Student Loans. I 'll end up on the streets unable to rent or ever purchase a home because my credit will be ruined all because I could n't make payments to my student loans during a time of pro-longed unemployment. Since KeyBank affords no temporary relief during hardship and private student loans can not be discharged in bankruptcy, I do n't have any options left but to default on this private KeyBank student loan, face collection harassment, and an eventually a collections lawsuit I ca n't even afford to defend. There is absolutely no way I could immediately pay the remaining XXXX dollar balance immediately upon default as lenders demand and harass debtors with. Maybe if banks such as KeyBank would spend more time actually helping debtors find a job so they could actually pay their student loans, the student loan market would n't be in such a mess.
Product: Credit reporting or other personal consumer reports

Under Section 15 USC 16811 ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within XXXX  days or receiving a consumers dispute XXXX. [ XXXX XXXX and XXXX XXXX ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately. 
XXXX XXXX was open fraudulently This debt collector engaged unfair, abusive, and deceiving tactics that are unlawful under the FDCPA. They provided this account, for which i did not sign an agreement, and we did not agree. XXXX parties must sign a legal contract, and I was not involved in any of it. Furthermore, they failed to stick to the correct five-step validation procedure, which renders these activities unfair. I'm enttied to payment under the FDCPA for each infraction, and it's apparent that they broke my rights. 

I havent had access to my credit report since XXXX. As they claim you cant access it while anything is under dispute. I was told, nothing was under dispute.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I made my first mortgage payment of {$3300.00} to the account provided by my lender at XXXX XXXX XXXX. Shortly after, I received a letter informing me that future payments should be directed to XXXX XXXX with a new account number. Subsequently, I was informed by my bank, Wells Fargo, that the account at XXXX XXXX XXXXXXXX had been closed and the payment could not be processed. Ccopy of the documents attached ). 
Despite opening a claim with Wells Fargo on XX/XX/year>, the process is taking longer than expected, causing considerable concern and stress. Wells Fargo initially indicated that the issue would be resolved within 5-10 days, but I have now been informed it could take up to a month to retrieve the funds.

To expedite the resolution of this matter, I kindly request your assistance. Attached to this letter are copies of the following documents : 1. The letter from my lender instructing me to make payments to XXXX XXXX XXXX 
2. Emails from Wells Fargo indicating the account closure and details of the claim.

Please provide any documentation or support that may help facilitate the claim with Wells Fargo and confirm the status of my mortgage payment. Additionally, I would appreciate your guidance on any steps I should take to ensure that my mortgage account remains in good standing during this period.
Product: Credit reporting or other personal consumer reports

Experian would not block fraudulent accounts after providing a FTC report and other information requested by Experian
Product: Student loan

I have had Navient as a student loan servicer since XXXX. This month I received a letter from Navient that raises my payments from {$110.00} a month to {$360.00} a month. I can't afford this, my only income is from social security. In 23 years this has never happened. This loan now has an accelerated schedule to pay the loan off in XXXX with these huge payments. Please investigate - there's no way I can afford this, can Navient do this?