23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I made consistent payments to Navient for a year, then they raised the payment. After asking to continue at the affordable payments, they refused. I could n't understand why they would n't want consistent lower payments but sent my accounts to a collection law firm. Now I am getting calls from them every 10 minutes.
Product: Student loan

As given here as concise yet clearly as possible I am still experiencing the following : - There is as of yet no clear or guided humane help with my student loan debt situation. 

- Currently under Navient, who my student loan debt was transferred to after having XXXX ( Now XXXX XXXX ) servicing them for sometime, plus prior to them under SallieMae. 

- Worsened or led to the unfortunate current problem I have after I consolidated my debt, and whoever did the " processing '' back then accepted the variable over the constant interest rate - to make more money off of the principal and what is added ( i.e., the interest, which keeps running and accumulating to the amount owed daily, with no real relief etc. ) to such! 

- At the end if the {$150000.00} or +thereabouts forgiven/discharged/etc. will unfortunately result as brought to awareness of in at least one online reference in $ 20,000-30,000 worth of taxes that was mostly based on monies the debtor did not pocket - the bank/loan servicer did, though I and not them wind up paying for their taxes owed! Does that make sense to a " self-defeating '' aid at the end for those who just went to school or not? 

- Have this unfortunate situation as given/based as if on some type of horrible or not humane " usury-racket '' activity which goes against a true care for this situation. 

- Currently unemployed, have been mostly on forbearances/IBR plan for years yet was told by at least one reference that you could be and/or better off on PAYE and/or REPAYE and not get the problems with interest charges as Navient ( and others before ) has you on one so that they could make money off of the interest?

- Had done a previous complaint when under XXXX, which resulted in a contact with someone ( agent/etc. ) for the US Dept. of Education, who only did an audit, recalculation, etc. of my student loans though still left my situation as " same-old-same-old '' with the interest rate still running and adding to the principal with no positive aid of some type whatsoever! 

- Also have to renew my plan soon as such will be expiring within a month or so, and the other day went to their website to login and found their services down. 

- Also aid in taking are of a sister on XXXX who receives such on Social Security as I did as a XXXX XXXX to my father who was a veteran and passed away in 2012. 

Will look forward to any options, assistance, etc. that your services could render with this severe debt situation and thank you kindly again for your services!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to look at a new car when my credit was pulled I saw several accounts that I have never done business with, I don't have any paperwork or bills from collections agencies or any type of notifications. I have been back and forth in College between XXXX and XXXX. I now live in XXXX. Someone has you my information to open accounts and credit. 
XXXX XXXX File Number : XXXX XXXX Report Confirmation # : 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 The following addresses are not mine on my credit report they are inaccurate as reported : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I am a victim of ID The
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain accounts on my credit report, following a data breach that compromised my personal information. Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the removal of any fraudulent accounts or unauthorized inquiries from my credit file. 
Accounts to Be Blocked and Deleted : 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/XXXX
Product: Mortgage

I had a tragedy in XXXX XXXX, XXXX when I loss my son in a accident. I could not work and had to file for bankruptcy which was discharged XXXX/XXXX/XXXX. I 'm in the process of purchasing a home after I was able to get my credit up again. I 've called BB @ T several times have spoken to several different people. Today I called and spoke with XXXX XXXX who stated that they had submitted to HUD 78 months ago to close the loan. When I call HUD they have no record of this at all. But yet on last Friday I was told by BB @ T that the loan was closed. I hated doing a bankruptcy and even after that I had at least XXXX short sales which BB @ T would never approve ... im just trying to get my life back purchase my home and do the right thing. All I need is verification that the loan is closed with BB @ T and HUD. 

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

XXXX had input a Hard Credit Inquiry on my credit report, which I did not authorize. Moreover, I specifically requested that the phone conversation be recorded and they will not pull my credit. After I discovered a first hard inquiry on my credit report from XXXX, I contacted them by phone and spent an hour being transferred to different people, and via email in effort to remove the hard inquiry from my account. Got a response by email that my request has been submitted. Checked my credit report again two weeks later, and found a second (! ) hard inquiry from XXXX on my credit report. The credit bureaus ( XXXX, Equifax ) claim they can not remove an unauthorized inquiry from my account.
Product: Credit reporting or other personal consumer reports

There are inaccurate late payments reporting on my credit report, which I believe is misleading and misrepresents the nature of the debt in question. The entry reported as a late payment, in fact, a cancellation of debt that has been processed with the IRS. I have received a Certificate of Indebtness from the creditor, confirming that the debt has been officially canceled. As per IRS guidelines, this cancellation of debt is considered taxable income, not an unpaid debt. According to the Fair Credit Reporting Act ( FCRA ), only accurate and complete information should be reported on a consumer 's credit report. Since this represents a cancellation of debt and not an outstanding obligation, it should not be classified as a late payments. Reporting it as such is inaccurate and has lead to mis information to potential creditors about my creditworthiness. i received from the company a 1099c canceled debt. XXXX  has reported there is no active mortgage for Regions Bank. i have also opt out with the companies as well in written, unwritten, verbal, and nonverbal authorizations they have been opted out. The Credit bureaus have been Violating the Fair Credit Reporting Act ( FCRA ) definition of accuracy under Section 1681e ( b ) requires a focus on objectively and readily verifiable information, which may require consumer reporting agencies to accurately report information derived from the readily verifiable and straightforward application of law to facts.
Product: Checking or savings account

XX/XX/2021 I received an alert from XXXX XXXX that my date of birth was changed in my Bank of America accounts. I called Bank of America and they said it wasnt possible. I told them to check anyway and sure enough my date of birth had been changed. They said they did not know how that happened.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent an international transfer of {$230.00} to a person in The XXXX I have been sending to for almost 5 years straight. Nothing changed on either end as far as bank accounts, names, etc. 

On XX/XX/2022, Moneygram notified me that the transaction was in progress. 

On XX/XX/2022, Moneygram notified me that the transaction had been sent I checked with the recipient on XX/XX/XXXX, and she had not received the money. I checked with her again on XX/XX/XXXX and she still had not received the money. I looked online in my Moneygram account and it said " Additional Info Needed '' which had never happened before. I checked my bank account and the money had been withdrawn on XX/XX/2022, and was being held by Moneygram. 

On XX/XX/2022, I called Moneygram. I spoke to XXXX CSRs that day. The first XXXX told me something was missing, and the last one told me it was a technical error. He said it was sent to IT for a resolution and to wait XXXX hours. And that he would escalate it. 

I waited XXXX hours and checked with the recipient. No money. On XX/XX/2022, I called Moneygram again. I was told, again, that it was a technical error and was in IT. And to wait another XXXX hours. I asked for a refund so I could re-send, and informed them that they were just holding my money, and they said no. 

I waited another XXXX hours. No change. On XX/XX/2022, I called Moneygram again. The first CSR insisted something was missing that needed validation. I explained that I have been told repeatedly it's a technical issue. She transferred me after saying she could not resolve the issue. The next CSR told me it was a technical issue in IT and to wait XXXX hours. I asked for a refund, and he said no. I asked for an XXXX on this getting fixed, and he said I would just have to wait XXXX hours and call back. I explained, again, the urgency of getting this money to the recipient. She is sick and needs to see a doctor. He just said sorry, and to wait XXXX hours, and he would escalate ( which had already been tried ). I asked again for a refund and he said sorry, they can not give me a refund. I told them they can not just hold my money indefinitely, and he said he agrees but he can not give me a refund. And I'll just have to call back in XXXX hours. 

As I told the CSR, I can not just have them continue to hold my money and tell me to call back every XXXX hours, and also refuse me a refund so I can re-send the money. I am at a loss as to how to either get my recipient her money, or get my money back.
Product: Credit card or prepaid card

The is a complaint against Synchrony Bank where I had several Credit cards from them. I have tried to close all of my accounts with them but they think other wise. My XXXX card I closed, my Walmart card I closed, I tried to close my Guitar Center Gear card last XX/XX/2018 and thought It was closed but it remains open, they will not close this account. I had PayPal credit and paid it off and they will not close this account as well. All accounts are paid off and I want nothing to do with this company. they have told me even though my accounts are paid off we can not close them for sixty days. There are no pending charges nor will there be ever again. I want all accounts with company gone from this world I no longer want nor do I need this company for any reason what so ever!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional Violations : 18 U.S. Code 1341 - dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure or selling my personal information without my consent. 15 U.S. Code 1692d ( 1 ) - for destroying my reputation. 18 U.S. Code 112 ( b ) - for attacking or endanger my liberty as a non-citizen national of the United States due to negative report/s without my consent. 18 U.S. Code 2340A - Torture due to unlawful negative reported, distributed, released, or shared without my consent. Lesley Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal Nov 14,1995 ) - Liable for willful non-compliance because of not removing the negative reports which is being reported without my consent. 15 U.S. Code 1681b ( 2 ) - Reporting without my consent. 15 U.S. Code 1692a ( 1 ) - Pretending to be a credit bureau. Demanding Cease and Desist asap. 15 U.S. Code 1681 ( 1 ) - Inaccurate credit report due to no consent reporting. US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs Chase Manhattan - inaccurate reporting due to intentional defamation/ no consent reporting.
Product: Credit card or prepaid card

I Received my credit report showing a inquiry from Capital one from XX/XX/18 showing I applied for a credit card. 3 years ago I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any credit cards and this remark on my credit is causing many issues for me applying for a home which is affecting my score.The item is inaccurate, misleading, or incomplete, may have violated federal law.
Product: Credit reporting or other personal consumer reports

Experian refused to allow disputes in removing negative and inaccurate information on my accounts.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Visions CU : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

They have marked my account with a charge off and a derogatory mark. My visions credit card was reported with unauthorized use and I had ordered a new replacement card that never was delivered. The account as of XX/XX/2023 is paid off. 

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: Credit reporting or other personal consumer reports

HELLO MY NAME IS XXXX XXXX I AM A VICTIM OF IDENTITY THEFT SOMEONE ELSE STOLE MY PERSONAL INFORMATION TO FRAUDULENTLY OPEN ACCOUNTS IN MY NAME
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear Credit Bureau Representative I am writing to formally dispute inaccurate information on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified several inaccuracies that are negatively affecting my credit profile. Per my rights under 16 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ), I am requesting an immediate investigation and removal of the erroneous information.

The specific inaccurate information is as follows : 1. US DEPARTMENT OF EDUCATION XX/XX/year> {$4000.00} 2. US DEPARTMENT OF EDUCATION XX/XX/year> {$7300.00} Under 16 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ), upon being notified of a dispute, the credit bureau must investigate the accuracy of the reported information and correct any inaccuracies in a timely manner. 

I have attached copies of relevant documents ( e.g., statements, proof of payment, identity verification documents ) to support my claim. Please remove or correct the inaccurate information immediately and provide written confirmation of the corrections. If the disputed information can not be verified, I expect it to be deleted in accordance with the FCRA. 

Please respond to my request within the legally required timeframe. If this matter is not resolved promptly, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

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

XX/XX/2022 I reached out in regards to his complaint multiple times with this company and have yet to remove any items on my credit report. Per 15 USC 6801-6805 I can opt out, especially if I did not have clear disclosure to reporting and 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. I also included everything down below in the letter explaining my concerns. You all have violated my privacy and my personal information and must do whats right to the consumer upon request. Thank you, see attachments below sent off the following credit bureaus please remove me from all credit reporting agencies and update my report properly. Thank you.
Product: Bank account or service

My bank, Compass Bank, chose to process all debits on a particular day before processing the credits. This, of course, led to overdraft charges. I went to look at their policy, and found the paragraph below, which basically says that they can process them however they want on any given day, in their total and absolute discretion. No doubt, they use this policy to consistently rack up overdraft fees. This policy is unconscionable and should not be permitted. 

This is the policy I found : Processing and Posting Order. You authorize and agree that we may, in our sole discretion, determine the order that we process and post credits, debits and holds to your account. You also authorize and agree that the order and/or manner in which we post credits, debits and holds may vary by product, service, account type or type of transaction. You also authorize and agree that we are allowed to pay or authorize some credits, debits, and holds, and decline or return others, in any order we deem appropriate. The order in which in which we post credits, debits and holds to your account may not be the same as the order in which you make the withdrawals from or deposits to your account. You agree that any order in which we process and post credits, debits and holds to your account will not be an abuse of discretion. If two or more items are presented for payment from your account on the same day, we may pay or charge the items to your account in any order without regard to any contrary instructions from you, even if paying a particular item or items causes the available balance for your account to be insufficient to pay one or more other items that otherwise could have been paid, which may result in the occurrence of additional or other service charges that otherwise may not have occurred. We may pay items drawn on us, debit your account for any service charges and other amounts that you owe us under this Agreement or otherwise, and we may exercise any rights of set off we may have against the account before we pay any other item. 

If an item was initiated at a point-of-sale terminal or a XXXX transaction or ATM, you agree that we may charge the amount of the item to your account or place a hold on your account in the amount requested by the merchant immediately upon authorization of such transaction, even though we have not then actually received the item for payment. We will make payment for a transaction only after the actual transaction is presented to us physically or electronically. Each such hold will reduce the Available Balance in your account by the amount of the hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$290.00}
Product: Credit reporting

I hired XXXX back in XX/XX/XXXX to assist me with removing items that did n't belong on my credit report due to the age of the debt or incorrect information. I had an auto that repossessed in XX/XX/XXXX and it was auctioned and sold. The creditor added on extra fees and I had disputed with them regarding the balance owed. This still item still remained on my credit report during my dispute with them. In XX/XX/XXXX, with the assistance of XXXX, this item was removed off my credit report It has now re-appeared showing a totally different company as the original creditor and the open date for the account is showing XX/XX/XXXX which is incorrect. I fell that they are trying to re-start and old debt and to my understanding, that is illegal to do. I did reach out to the collection agency today, XX/XX/XXXX and when I advised this information that they are reporting is incorrect, I was placed back into the call rotation. I 'm hoping you can help me. This is showing up on XXXX, but I 'm not sure if it 's showing up on the other XXXX credit reporting a agencies.
Product: Checking or savings account

On XX/XX/XXXX my tax return in the amount of {$5800.00} was deposited into my credit karma money spend account. The same day my account was lock and I was told it was under review. I have contacted them multiple times a day since without any help. I just am being told it is handled by a higher team and to wait. Law states a banking institution can not hold you funds for more than 7 days without reason. I have read online this has happened to others. I don't want a check to be sent to me which apparently never arrives I just want to pay my rent and have access to my money