23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Today I called Navient around XXXX XXXX, EST. I spoke with a male representative concerning in-school deferment. I had mailed out an in-school deferment form on Thursday to help speed up the process of deferring my loans. The man said they had not received the form yet, but my school 's registrar could call this number ( XXXX ) XXXX to give them my school information ( full-time status, graduation date, etc. ). 

I called my school 's registrar and gave her the phone number to call someone at Navient to provide them with this information. She said it should not be a problem as she has made these phone calls before to inform employers of student 's information. 

I call Navient back around XXXX, this time speaking to a female representative. She immediately transferred me to a different department, where I then speak to another female representative. I asked this representative if my information has been updated since my school registrar had called. She said there were no records of her calling in any department. I thought this was strange, and told her that the registrar most likely did call within the past hour. Still, no records to be found of this phone call. The representative told me to call my school back and see if they could update the XXXX website and possibly resend the in-school deferment form via online upload or through fax. 

I call my school back around XXXX and directly contact the registrar. I told her Navient had said there were no records of her phone call and she said she most definitely made the phone call, and had spoken to a woman named XXXX with a XXXX accent. I also discussed the information being updated on the XXXX   website and was told it would be updated tomorrow. 

I call Navient back around XXXX, and speak to a new representative. I fill her in on what's been going on today, and she tells me the same thing, no record of the registrar calling. I'm frustrated at this point, since there is no reason that conversation should have been ignored and not recorded on my Navient account. This representative then tells me that Navient isn't allowed to discuss my account with other people unless they have my consent. She tells me that the registrar making a phone call wouldn't do anything to update my account. I ask her why another representative would provide me with this information and give me the phone number for the registrar to call and she said she didn't know. She also said that there was no record that I even called Navient at XXXX today discussing this. She checked with customer service to see if they had any record of my phone call and they did not.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

XX/XX/15. Someone changed my Bank of America online username and password. They XXXX transferred XXXX from my saving account. I called in the fraud department and cancelled the transaction. Later they changed my user name and password again, made an transfer about XXXX dollars. I told the agent to freeze my account and not authorize any transactions. 
Same day, my XXXX account, someone changed my username and password, they transferred my money from saving account to the checking account, and trying to withdraw XXXX dollars. It was declined, but was not able to log in to my online banking. I wasnt able to follow Up if there is any further unauthorized transactions. 
XX/XX/15. Some one went to the XXXX XXXX and authorize an check of XXXX, it was pending, so the customer agent wasnt able to dispute the transaction. I was not able to access my online banking, couldnt see any more unauthorized transactions. 
Later, I realized that my phone number was stolen and I notified the company the phone number is associated with fraud activity.
Product: Payday loan, title loan, or personal loan

I want to be removed from the loan that was refinanced without my permission. I originally agreed to co-sign the personal loan for the amount of {$17000.00} for my daughter. She was going through a rough time with a break up and a new baby and I offered to help her out with getting caught up on her bills and what not. This was on XX/XX/XXXX. I then agreed to change the financed amount to {$20000.00}. 

At this point I thought the loan was signed for and it was good to go. I then recently found out through checking how much time was left on the loan since it wasnt my loan and my daughter had been paying on it for what I thought was awhile. That it had been refinance twice since then I do not check my Usaa account at home or online since it is less secure and I have had my identity stolen in the past. I didnt think anything of it, just assumed the loan was being paid by my daughter for the original amount we discussed. I noticed when checking that it is not for the {$20000.00} I had thought. She has since refinanced the loans, and no one ever talked to me or spoke to me at all. She had my social from the first time applying. 

Since then there have been two refinances one for {$40000.00} on XX/XX/XXXX and then an additional one for {$46000.00} on XX/XX/XXXX. 

Neither of those times was I spoken to about the new loans. I want to be removed from those two loans as I never agreed to the loan for that amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX added a debt to my credit report today. I called them provided my social and name and no one could find an account. I tried to dispute via XXXX and system gave errors. Account number XXXX XXXX XXXX. I dont have any delinquent accounts. This is now going to appear as if i have had a delinquent account as part of my history.
Product: Credit card

I opened a charge account at Dillards and the account is managed by Wells Fargo Bank , N.A . I paid the very first statement in full by mail. Wells Fargo Bank failed to credit the account for the first payment. The second account statement arrived in today 's mail They are charging me a late fee of {$27.00}. I phoned them today and wrote them directing them to close the account. I ca n't believe how dishonest Wells Fargo is. I would like to know how many people they did this to. I can not possibly be the first. They have undoubtedly done this to thousands of other people.
Product: Credit card or prepaid card

I opened a US Bank XXXX XXXX XXXX  because they had an offer of a {$750.00} bonus after spending {$7500.00} within 120 days. I met this obligation within 90 days. Now US Bank is saying that my XXXX XXXX  purchases do not qualify for this spend. MY PURCHASE WAS NOT A CASH ADVANCE, NOT GIFT CARDS OR ANY OTHER MONETARY ITEM. IT WAS A COMMEMORATIVE COIN SIMILAR TO A PAINTING OR A GIFT ITEM. It is not fair not to consider this for minimum spend. What if I had bought an appliance and sold it immediately on XXXX. This would have qualified for minimum spend, do not understand the logic of US Bank. I have attached the necessary documents
Product: Credit card or prepaid card

charged me late fee on XXXX/XXXX/XXXX. Compass Bank advertises on their website their " dedication '' to their customers and forgiveness of late fees and a host of other lies from Compass bank. when i called them on XXXX/XXXX/XXXX because i had been displaced from my home due to XXXX XXXX, Compass customer service agent stated the he does not care and did not remove late fee. 

i imagine Compass Bank told many victims of XXXX XXXX similar brush offs when thousands of customers also called Compass asking them to make good on their promises. 

BBVA Compass bank is a no good dirty rotten bank.
Product: Credit card or prepaid card

I had two missed payments and my account was closed. I live in XXXX Florida where Hurricane Irma caused major damage. I was without work for a while and was unable to pay my credit card. i had no phone, i had no internet and no way of contacting the credit card to let them know of my financial statuts.I made a two payments as soon as i could and my account was closed. I think it is unfair that they would close my account when i had financial troubles.
Product: Credit reporting or other personal consumer reports

I do not consent to e-OSCAR and want a human to read this complaint. I see that XXXX XXXX was removed from my consumer report by TRANSUNION. TRANSUNION removed this account because of the many disputes I made due to many federal consumer rights violations. This is a NOTICE for GENERAL COUNSEL I will have proof of my claims attached. Also, an invoice will be attached below with the original report marked up showing the violations. If we can't come to a fair and reasonable resolution, then I fully intend to pursue Arbitration. YOU HAVE 5 BUSINESS DAYS TO RESPOND BEFORE I FILE FULL ARBITRATION.
Product: Student loan

Due to the SAVE updates in XXXX my payments increased from {$240.00} to XXXX. My taxes from XXXX were used and I lost my job in XXXX and used pay stubs to certify my income. I was advised to submit for a recalculation and used my XXXX taxes and the new total on studentaid.gov was $ XXXX I submitted on XX/XX/XXXX. I recently received my newest payment schedule updates and I do not need to recertify until XX/XX/XXXX. And Mohela still has my payments as {$550.00} and the application for recalculation is closed on the studentaid.gov site. IF I choose to recertify now when I don't have to, I will be on a processing forbearance and will be subject to interest for the 2 months it takes them to process the request. I am frustrated. I spent 6 months this year already in an unrequested forbearance BEGGING to make payments and accrued almost {$5000.00} in interest. PLEASE help fix this fiasco. I would appreciate my payments getting lowered to either the {$240.00} ( because we were all told our totals would only decrease in XXXX and mine increased ). Or the {$310.00}.
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the XXXX Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX
Product: Mortgage

I sent my mortgage payment in the amount of {$180.00} on XXXX to Fay Servicing. Fay Servicing LLC sent the payment ( my check ) back stating that account was in active pre foreclosure or foreclosure status on XX/XX/XXXX. I called Fay servicing on XXXX and was told I had an attorney and they could not speak with me. I do NOT have an attorney and had they checked the Bankruptcy records and properly documented the account they would see I can represent myself. By their own statement it showed I was current and paid ahead until XX/XX/XXXX and that the balance due for that payment was only {$65.00}. Fay took my previous XXXX payments from XX/XX/XXXX without issue. Fay Servicing took over servicing of this loan around XX/XX/XXXX. I NEVER had a problem with making payments over the past almost 7 years with the previous servicers. I am concerned Fay Servicing is dealing in deceptive practices forcing on time borrowers into foreclosure by their, Fay Servicing, own doing. I might suggest that Fay Servicing provides evidence as to how many other people they are sending back payments on to put them in a delinquency scenario.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX and XXXXXXXX XXXXXXXX Has reported false information under my report. Account has been paid in full and I was never ever late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my recent credit report I did not authorize the listed inquiries below please DELETE them from all three credit reporting bureaus due to Inaccurate Reporting I did not authorize any inquiries to be pulled either in writing, verbally or initialed.

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Product: Mortgage

XXXX XXXX XXXX XXXX  processed our request for mortgage modification XX/XX/2017. 
I received the Trial Modification agreement dated XX/XX/2017. My first trial payment was due XX/XX/2017 with XXXX XXXX XXXX. The three trial payments were made to XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX stating my mortgage servicing was transferred to Rushmore Loan Management after I made the 3rd payment.. I spoke with Rushmore customer service several times and they assured me my payment wasn't changing and they were processing the final modification documents. 2 weeks later I received a property foreclosure sale notice in the mail, I spoke with Rushmore customer service and they stated they were not going to honor the modification received from XXXX XXXX XXXX and that my payment had increased to approximately {$2200.00}, Rushmore continues to increase my mortgage payment. XXXX XXXX the relationship manager has been unwilling to correct this awful situation. I don't want to lose my home to foreclosure. I will resubmit my request for mortgage modification
Product: Credit card or prepaid card

This card work by having the user deposit money into the account. Three hours after depositing {$250.00} into an account that still had about {$100.00} my account spending power was $ 0- I had not made any purchases. I was intending for this money to be used to purchase XXXX gifts. After three separate phone calls I received no clarification aside from being informed that my account was showing negative {$650.00}, I could not see this reflected in my app, had not made any large purchases on this card ever, and no one could explain to me what this charge was labeled as. The only escalation solution was to schedule me for a call in two days, on XXXX eve. I have since gotten {$100.00} added back to my account with no context, and no knowledge of where the rest of my money is. So. No information from customer support, no one further than a call center attendant to speak to, and no explanation of what this mysterious charge is. The only question they would answer apart from their " escalation '' scripted schpiel was that yes, it is an internal issue, and yes, others have been experiencing the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Under Section XXXX, restrictions on investigative consumer reports [ XXXX U.S.C. XXXX ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the XXXX XXXX now! 

XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They have accounts Ive never applied for on my account. Theres so many address associated with my credit file it shows theres a lot going on. I need my credit profile completely whipped as I was a victim of identity theft.
Product: Debt collection

Called in XX/XX/2020 or before and ask them to quit calling home phone ( XXXX ) and cell phone ( XXXX ) and person said she would remove numbers from the list. I have no debts due.
Product: Student loan

On XX/XX/XXXX I requested a refund from EdFinancial Services for my student loans payments made during XXXX ( A total of {$11000.00} ). It has been 6 weeks and I have yet to receive any information regarding where my refund is or any confirmation email that they have sent my request to the appropriate government agencies. I need to receive my refund before XX/XX/XXXX in order to apply for student loan forgiveness.
Product: Credit reporting

I contacted the credit bureau about putting a fraud alert on my account due to inquiries made that are not mine. I requested to have the fraudulent inquiries removed and was denied. They informed me to contact the creditor to have them remove it. I did and was unsuccessful due to the age of the inquiries. Apparently the creditors could not locate me in their system to remove the inquiry. In this case I am req6the removal of inquiries that are fraudulent and not done by me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Processed Late Due to System Issue : My payment was made on time, but XXXX 's system delayed processing it. I have attached a copy of my bank statement showing the payment was initiated before the due date. 
Incorrect Reporting Due to Account Closure : The account was closed, and no further payments were due. Despite this, the payment was incorrectly marked as late. Attached is the communication from XXXX confirming the closure of the account with no outstanding balance. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I have tried to work with American Education Services ( AES ) who serviced my loans since XX/XX/XXXX to come up with a payment plan to pay off my loans, they refused to help and allow me to pay an amount I can afford while I was back in school. I stated I had every intention to pay the loan and no luck with a agreeable payment plan. It got to a point where the payments on two loans were more than I could handle, thus, my loans defaulting. I have two private student loans that are serviced with American Education Services ( AES ). Loan #  1 ending in XXXX defaulted in XX/XX/XXXX. Since then, I have had three or more different companies try and collect the debt. AES reported to the credit bureau that the status was transferred, closed, {$48000.00} written off. Since XX/XX/XXXX I have been getting letters to collect the debt. In XX/XX/XXXX, I contacted XXXX credit reporting to dispute the loan and ask that it be removed from my credit report because the company, AES had sold my loan to several debt collectors, all whom are trying to collect debt from me and they had violated the original agreement. Currently remains on my credit report. AES also failed to provide me a XXXX, a tax from needed for cancelation of debt since they reported it was written off. I contacted AES, asking for the cancellation of debt and they stated they did not need to provide one as the account was transferred to another lender. Loan # 2 ending in XXXX with AES was defaulted in XX/XX/XXXX. Reported to credit agency as transferred, closed, XXXX XXXX written off. Same situation as described above, just second loan to default, asking for it to be removed, still on credit report, different companies trying to collect the debt, no XXXX tax document.
Product: Debt collection

Was notified by all Credit reporting agencies I had a collection posted on my Credit account submitted by XXXX Ability Recovery Services LLC. 
Once notified I contacted Ability Recovery Services LLC immediately via phone to inquire about debt and to request a Validation Letter, which they refused to provide as Ive never received previously at any point and have no knowledge of this debt as Ive been a victim of identity theft in the past. Ive also contacted the original debtor via phone, name & contact provided by Ability Recovery Services LLC and theyve advised they have no records of any debt owed by me under my Social Security number, Date of Birth or otherwise.

At this point Id like to demand it be removed from my Credit Report as Ability Recovery Services LLC has violated my rights to dispute.
Product: Debt collection

This company keeps calling me when I told them they have the wrong number. They keep saying that they are looking for someone named XXXX. I explain to them that I just got this phone number, so the person on the started telling me my address and name, which is a privacy act violation.I called back multiple times, and the lady said I am acting crazy this is not right I have XXXX 
I do not appreciate someone calling me and making threats when I am not the person the company is looking for.I never authorize this company to release any information.I could have been someone else on the line. 
I am asking for a XXXX settlement for the privacy act violation and them leaving me a voicemail telling me you have been warned. 
I am planning to file civil lawsuit for XXXX discrimination calling me crazy.
Product: Vehicle loan or lease

I settled the debt in XXXX. Nissan NEVER REPORTED IT TO THE CREDIT BUREAUS. They even continued to respond to disputes with incorrect information saying the debt was still owed. I called them multiple times and they swore up and down they would fix it. Now my credit is damaged and unable to get a mortgage due to this.