23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A friend and I traveled to XXXX via XXXX XXXX in XXXX  2017. Her and I both visited a merchant on the beach selling photos and frames. Her and I both bought the same photo with frame for {$47.00}. We both swiped our cards and left the store. Upon returning home, I checked my bank statement ( my card was a checking account, not a credit account ) and was shocked to find the original and legit charge for {$47.00} but also an additional charge for {$240.00}! I immediately called my bank to dispute the charge, as there was no way I returned and bought any additional items. I also called my friend to warn her. This guy double charged her also and I have proof. Her bank reversed her charges, as did mine. But 2 months later, I receive a letter stating my request was denied as the merchant has sent in my signed receipt. I was shocked, as I know it could n't be mine. Impossible! ... When I finally saw the receipt in question, I was shocked! It is 100 % NOT MY SIGNATURE. I am floored my bank is accepting this and giving him my money. They say they want a copy of the original receipt for the correct charge of XXXX. Of course I do n't have that. I am NOT disputing the XXXX!!! The charge after the fact of {$240.00} is what I did NOT authorize. Plus, the receipt says XXXX pesos. That does n't even equal XXXX ... Please look at my signature! It 's been the same for years. And look at the forged receipt. Not even close! ... The " XXXX '' is wrong! The " XXXX '' is wrong! The 1st or 2nd " XXXX '' is missing! The " XXXX '' is a loop and never has been! The " XXXX '' looks like a 5th grader " XXXX '' ... My " XXXX '' has NEVER EVER been written like that! ... Please please help me!!!
100 % FORGERY ... I will swear my life on this! Plus, I have a witness that was stolen from on the same day and time!!! I have all proof ...
Also, I XXXX  the merchant in question. Company and/or address does n't even exist ...
Product: Checking or savings account

On XXXX XXXX, XXXX, Wells Fargo Bank legitimately withdrew {$9000.00} in response to a legal order. I have been working with the jurisdiction on the amount and will be getting a partial refund when Wells Fargo gets the money to them. I called Wells Fargo today to ask when the jurisdiction will get the funds and was told that the money did not go out until yesterday - XXXX XXXX, XXXX. That means that the bank sat on money that did not belong to them for 13 days before remitting. That is unreasonable. My expectation is the funds would be pulled on XXXX and a check would have been created and sent on XXXX. The jurisdiction would have received the funds and applied to my account by XXXX - XXXX. When I called this week and reconciled the charges, I would have a check on it 's way back to me.
Product: Credit reporting or other personal consumer reports

I disputed accounts and inquires on XX/XX/year> due to my information being exposed in multiple data breaches as well as uploaded my identity theft report and documentation supporting my disputes to Equifax and XXXX. XXXX and Equifax have sent via email that the information they had was accurate, verified and updated. They completely ignored my documentation and failed to comply with FCRA 15 U.S.C. 1681c-2 Section 605b within my disputes. I reached out to XXXX and Equifax via phone to determine how the information was verified, and they stated, " We've updated the information based on the previous disputes that were put in for these accounts, nothing has changed. '' XXXX has removed the same accounts that XXXX and Equifax are stating " verified and updated. 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. All have been removed from XXXX on XX/XX/XXXX and XXXX, XXXX. Equifax removed these accounts on XXXX, XXXX  and then added them back onto my report XXXX XXXX, XXXX  as a XXXX account. Furthermore, I disputed the account XXXX XXXX XXXX due to Experian and XXXX furnishing a balance and past due after the account was closed causing my credit score to decrease drastically thus hindering me from obtaining credit. I also provided documentation showing the last statement with a {$0.00} balance following the account closure and the bureaus failed to update that account as Paid/Never Late.
Product: Mortgage

BANK OF AMERICA NA has demand payment of the aforementioned loan document first on XXXX XXXX, BUT WAS NOT ENTERED INTO VA. DATABASE UNTIL XXXXThe loan has been transferred over 18 times noted in XXXX XXXX Supreme Court through XXXX Banks. ( see court records ) It has now been transferred back to XXXX XXXX XXXX without sharing the information that we have asked for in truth of detail.We understood that the last assignment was BOFA MERRYL LYNCH ASSET INC An Accelerated foreclosure is set up for XX/XX/ and we are demanding the RIGHT TO CANCEL
Product: Debt collection

I am not liable for this debt with ( XXXX XXXX XXXX XXXX ) I do not have a contract with Portfolio Recovery. The debt listed on my credit report is non-factual/fraudulent I looked at my credit report and noticed an unusual collection that does not belong to me, completely unauthorized. I know that I have in the past lost my personal credentials while job hunting in which I had my social card which is how I believe someone possibly got my information. Please kindly I ask that you remove this collection off my report!!!!
Product: Student loan

I have repeatedly encountered unethical behavior from Navient, my loan provider. Since I began taking out loans in XXXX, I have had customer service representatives tell me via phone that my first option was to defer or forbear. They then told me what my full payment would be without Income Based repayment, asked if I could pay it, and when I said I could not ( it was approximately {$500.00} per month ) they said I could forbear. At no time was I offered the option of Income Based Repayment. I chose forbearance several times because Navient did not ever provide documentation or tell me via phone calls to customer service that I was eligible, or able to, have an income based payment. This has cost me thousands of dollars. Additionally, some of my interest rates have changed dramatically, from 3.2 % originally to 6.8 %, with no documentation, notice, or information available on my account on the Navient website. Futhermore, I was never told, in writing or over the phone, that Navient charged late fees of their own. On a phone call XXXX/XXXX/XXXX, when I learned about late fees from asking questions, the woman on phone said someone in " back office '' would mail me a copy of itemized late fees in 5-10 business days ( XXXX XXXX ) and that I should call XXXX if I need to follow up. I was told over the phone that since XXXX, I was paying {$67.00} per month just for my federal loan. This is far more than even some of my payments on my income based repayment plan. At no time was the late fee disclosed in writing, OR itemized on any of my statements I received from Navient. When I finally received documentation of late fees in writing, I saw that my late fees were {$6.00} per loan. There is still nothing on the website disclosing late fees on my account in any way in the online portal I use to service my loan. In the years since I began taking students loans in XXXX, and my final ones in XXXX, my total loan amount has over doubled and has continued to grow as I have finally begun an Income Based repayment plan. I believe these factors and situations demonstrate unethical behavior on the part of Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Trans Union inquiry issues and that they did not follow FCRA 611 I had already disputed this with them and customer servicer refused to fix the issues, I don't only have inquiry reinserted on my credit report with out them notify me but I have about an additional 30 inquiry 's not seen before. 

here is a list of inquiry 's XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions on the law and request that I receive a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We received an annual escrow analysis/escrow account disclosure statement showing that our escrow payments would increase from {$2100.00} to {$2800.00}. I have spoken to associates on the phone on XX/XX/XXXX and XX/XX/XXXX to try to request information, as the projections on this disclosure show that taxes would be paid twice annually. This is not correct for our jurisdiction as taxes are only paid once, in XXXX, for both county and city taxes. I am concerned that this has caused an incorrect calculation for our payments, and such a sharp increase will cause financial strain on my family.
Product: Money transfer, virtual currency, or money service

We're a XXXX XXXX who have used Square to process payments, our account was closed for no reason and our money held by Square for 90 days. As per their email below our funds should have been released XX/XX/year> but it is now the XXXX and their customer support is no help. All we want is to get our money for services that was already rendered. Square is unhelpful.
Product: Mortgage

Bank of America sent us a check in the mail for overage on our escrow account, They did not complete and escrow analysis on our account as to date- Normally they would pay the Home owners insurance first they they would see how much money would we owe to pay our taxes. But to the large refunded amount we will receive from escrow will make us short from with paying our home loan, Later they will submit a larger fee for us to pay on our home loan.
Product: Credit reporting or other personal consumer reports

To whom may concern, please be advised I have been discussing mortgage assistance options with XXXX XXXX XXXX  from the beginning of XXXX. I have responded to all of the requests for documentation in a timely manner only for them to return and request the same information over and over again. XXXX XXXX XXXX and its agents have systematically created an environment to put myself and clients like myself in a position of default. I believe this to be a business strategy of theirs. Additionally, in all of my conversations agents led me to believe that any settlements would not have negative impact on my personal credit, and they have gone ahead and reported negatively on my personal credit on a commercial account where the borrower is an entity. I ask you remove any negative reporting on my personal credit immediately and ask that you investigate XXXX XXXX XXXX for their practices in general and in specific with mortgageassistance
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX I mailed off a certified letter to the following credit bureaus. I noticed that it has been past 90 days now and nothing has been resolved at this point your company continues to report inaccurate information on my credit report. I am now sending my second letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that you breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached a letter of the inaccurate information that is listed on my credit file by your company. The accounts listed on my credit file are reporting inaccurately and theyre listed in the attachment below. You removed some but you didnt remove the following in the attachment.
Product: Credit reporting

I looked at my credit report the other day and noticed that there was a new account on it. It only showed up under equifax and has not shown up on trans union. The new account does not belong to me. It is a XXXX XXXX XXXX credit card that was opened in 2004 and has a balance of XXXX, with a previous balance of XXXX. I have never banked with XXXX XXXX XXXX, do not have a credit card with them, and do not have an account that dates back to 2004. This card does not belong to me, but is showing up on my credit report. I am worried that this was cause problems and would love for this issue to get fixed asap. I appreciate your understanding and help with this matter. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX  XXXX
Product: Checking or savings account

I flew XXXX XXXX in XXXX XXXX I am allowed a trolly 14 pounds A trainee at counter insisted I have to check bag Long queue and no supervisor at desk So I paid via XXXX but card would not accept Only card I had was Schwab debit I paid to get on flight but disputing the charge and CFPBwish to intercede
Product: Credit card

I applied online for a credit card thru Bank of America was 0 % interest. I th I thought it was for a special promotion for more than a year. I called the bank and asked for the contract. They sent me something else with a later saying this is best imformation we have with a number. I called number and it was wrong number to call, finally I had to call the number on my credit card and rep said that was business account number and my account an individual account. He then stated he was sorry but the rep sent me the wrong paper work. He said he would send the contract I signed. It was terms and conditions and I do n't see anywhere one there saying it was for one year! If I did that 's fine I will abide to it. I just saying I thought it was 16 or 18 months.I asked if they would lower my interest rates even they would n't do nothing for me..i been a long time customer of Bank of America and a XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate name and addresses on my credit report. Despite prior disputes, this incorrect name and addresses remain listed : These name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name and addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Equifax. To be brief, in 2017 I moved from XXXX to XXXX. I successfully and thoroughly completed my cancellation of XXXX as they DID NOT offer services in XXXX at this time. For some reason, I do not know why, XXXX sent my fully paid account to collections, in 2017. It is not a valid debt. I have to dispute this probably about every year with each credit bureau as XXXX gets a new credit agency every year or so sent to me ( first agency was XXXX and now XXXX ), I assume to keep it going. EVERY dispute has been removed with each bureau until recently with Equifax ( even though they have removed this collection probably about two times before in the last six years ). In all honesty, I guess my complaint is against all three agencies because there is NO REASON why I should have to keep disputing this account FOR 6 YEARS NOW ... I am so tired of having to do this especially since Equifax all of the sudden does not want to take this off. I really don't know what else to do at this point... I really need this collection removed as it is not valid and needs to stay off my report. XXXX and XXXX has already removed the collection account ( once again ). It has been 6 years! I have not set up a new account with XXXX since 2017 so any new collections should NOT be valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
( XXXX XXXX : ) XXXX Balance : {$73.00} ( XXXX XXXX : ) XXXX Balance : {$91.00}
Product: Student loan

We have been making interest-only payments on our student loans beginningXX/XX/XXXX without issue until Navient made a payment system and UI change to their website in the beginning of XX/XX/XXXX. As of ourXX/XX/XXXX payment we have been forced to call Navient every month to have the payment on the consolidated loan reallocated to what was originally requested in their online payment form.

Prior to XX/XX/XXXX, Navient has allocated our payments as requested, the full {$35.00} going to the unsubsidized portion of the consolidated loan ( 1-03 ). As of the payment on XX/XX/XXXX and again with the payment made on XX/XX/XXXX, Navient has split the payment across both loans ( XXXX Subsidized and XXXX   Unsubsidized ). We have been forced to call 3 times to resolve the issue with the 2 payments, as one gentlemen refused to help.

We understand there are regulations around consolidated loans being paid off congruently, however, there is {$0.00} due on both portions of this consolidation loan as it is on an Income Driven Repayment Plan as well as In-School Deferment status. The only logical way to process a payment in this scenario is how Navient had been processing it for each of the prior 12 payments : the entire {$35.00} payment that we directed to the Unsubsidized loan ( 1-03 ) should be made to it and never split, again, as they had been for the prior 12 payments.

Navient has offered no permanent solution to this problem - aside from the gentlemen who refused to help made what seemed to be an IT related joke about how it's programmed. We have been disgusted with XXXX XXXX and Navient ( since they took over our loans ) ever since XXXX XXXX allowed loans to default without making any communication attempts via email, phone or even postal mail!

We've attached a screenshot of the payment history showing prior and current allocations of our payments. You can see the payment forXX/XX/XXXX was split, despite submitting it the same way as all previous payments, which clearly shows {$35.00} being allocated to loan XXXX and {$0.00} to loan XXXX. You can also see how we allocated the pending payment for XX/XX/XXXX, which ended up being split and required a call to reallocate it. Sadly, I have to keep a detailed spreadsheet of every balance, payment, confirmation number and how Navient applied the payment because they aren't a trustworthy servicer and don't provide line-item detail in their statements - oh wait, they don't provide statements!
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

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
Product: Mortgage

I sent a Payoff request to this company via the email XXXX as per that companies instructions. The first request was sent XX/XX/2021, the second was on XX/XX/2021. I still haven't gotten the payoff quote so that I can pay off my mortgage.