23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

In the XX/XX/XXXXXXXX, I was looking for private loans to help me finish my last semester at XXXX. I had already reached my maximum Federal aid allowance, and was in need of private loan help. I called several companies for the best deal. Navient offered me a private loan where I did not need a co-signer, which was rare. I asked about having different repayment options for after I graduated, because I was worried that I would not have a job 6 months after graduating. The representative assured me that I would be able to apply for IDR plans once my private loans entered repayment. 6 months after graduating I called Navient to sign up for IDR because I did not have a decent job and my loan payments were $ XXXX/month. When I called the representative I was told that my private loans did not qualify for IDR, and that the only option for me was to enter into forbearance. I tried to argue this point, saying that I was promised I could get IDR, but to no avail. I had not choice but to take the forbearance, as I did not have the money to pay my loans. I paid {$50.00} per loan to put my loans on hold for a total of {$100.00}. I have called several times since then, and always get the same answer. I have been continuously putting my loan payments on forbearance ever since the XX/XX/XXXX. I originally took out 2 loans, one for {$10000.00} with an interest rate of 12.875 % and the other for {$11000.00} with an interest rate of 11.750 %. Now the loans equate to {$16000.00} and {$19000.00} for a total of {$35000.00} in debt.
Product: Credit reporting or other personal consumer reports

Im completely at a loss right now because I discovered inaccurate accounts on my credit report this morning. I always check my credit report regularly, but today I saw errors that I never expected. I thought maybe my browser was acting up, so I refreshed it, but the inaccurate accounts didnt go away. I feel so confused and desperate for help. Please, Im asking that you carefully review the documents Ive provided to resolve this and make sure it never happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This formal dispute letter is written in connection with violations committed by both the XXXX and Experian credit bureaus. Both have violated my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( hereafter " FCRA '' ) which prohibits Consumer Reporting Agencies ( " CRA '' ) from engaging in deceptive and unfair practices. 

WHAT YOUR COMPANY NEEDS TO KNOW 1. Please be aware that I dispute the information ( U.S. Bankruptcy Court item ( s ) ) contained in my credit/consumer file.

2. I carefully investigated this incident, the U.S Bankruptcy Court never provided any information to the credit bureaus, nor do they ever validate and/or confirm public records. The attached letter states these facts unequivocally.

3. The credit bureaus have reported derogatory information to my consumer/credit for 7 years since XXXX, and have caused me much difficulty in attaining fair interest rates4. If the CRAs can not validate the information with the information furnisher, CRA must remove said information from the consumer file. '' 4. According to the FCRA, I have the right to an accurate consumer/credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXXXXXX XXXX Experian received a letter concerning my credit report. This is NOT a request to conduct an investigation or a request to contact the data furnishers for items on my Experian credit report and ask them to verify the accuracy of the information. 

I am simply demanding the following accounts to be DELETED from my credit report immediately. The list of accounts, below, has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Experian is in violation with the Fair Credit Reporting Act, 15 USC 1681. Let me further explain. Pursuant 15 U.S.C. 1681 ( a ) ( 4 ), I have the right to privacy. ( I demand these accounts be deleted ). Pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), the term consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. ( Ex. Late payments, amount financed, charge-offs, etc. ). Pursuant 15 U.S.C. 1681b ( a ) ( 2 ), A consumer reporting agency can not furnish an account without my written instructions. ( I have never given Experian permission to furnish any of these accounts ). Pursuant 15 U.S.C. 1681c ( a ) ( 5 ), No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Pursuant 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), A person shall not furnish any information relating to a consumer to any consumer reporting agency. 

I am simply demanding the following accounts to be DELETED from my credit report immediately. The list of accounts, below, has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, 15 U.S.C. 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a Method of Verification letter in XX/XX/2020 requesting for the company Transunion to provide me with a letter detailing how they verified this bankruptcy belong to me. By law Transunion had 15 days to respond to this request. The response didn't come until 42 days with the only response being " this information is accurate. '' However this is not what my request asked for. I then followed up in XX/XX/2020 requesting, a method of verification document for a second time. The response the same as the first. When I call and attempt to speak to someone about it in the dispute department I'm constantly put on hold and once some one gets back on the phone they just regurgitate what the person before them said. To date I have yet to be provided a method of verification. Due to this company neglecting to respond within the 15 day time period they were required by law and neglecting to provide me a method of verification document almost 90 day since the initial request, I demand this be removed from my credit report.
Product: Checking or savings account

I was issued a check by XXXX XXXX XXXX in the amount of {$20000.00} ( check number : XXXX ). I endorsed the check and my husband made the deposit into our joint bank account with Bank of America on XX/XX/2020 and said check cleared on XX/XX/2020. The check was deposited into out joint account with Bank of America ( which the bank has since closed ) account number ending in XXXX.Peculiarly on XX/XX/2020, Bank of America sent notice to us that Bank of America was debiting {$20000.00} from their account because someone had attempted to re-deposit said check again. We deposited said check only one time and did not make a second deposit of the same check. We tried for months to get answers from Bank of America but they refused to give us any answer as to why they stole {$20000.00} from our account. They refused to provide us with any and all information. Finally, on or about XXXX of this year, we asked our attorney to personally contact Bank of America to obtain clarification as to this error. After hours of being on the phone with multiple agents, Bank of America was unable to produce a clear answer as to why it debited {$20000.00} from our account and refused to provide any information even to our attorney. Further, the bank was unable or refused to provide an explanation as to where the {$20000.00} is currently being held. 
Our bank statements correctly show that the check in questions was deposited only one time into our account in XXXX of XX/XX/XXXX. Bank of America directed us to file a fraud claim with the check issuer. After hours of compiling a fraud claim packet and speaking extensively to the check issuer, XXXX XXXX XXXX, it was unable to proceed with the fraud claim investigation. This was due to the fact the check in question was deposited only one time. The check issuer was perplexed as to the reason Bank of America direct my husband and I to file such claim in the first place. XXXX XXXX XXXX does not show any attempts to deposit this check more than one time or into more than one account. XXXX XXXX XXXX records indicated that said check was cashed into a Bank of America account on XX/XX/2020, and never again after that time. 
Moreover, XXXX XXXX XXXX does not have a returned check from Bank of America or any information that would indicate the check was cashed/deposited more than once. It is clear that an error occurred on the part of Bank of America and for well over a year my husband and I have been damaged through those errors. We want to know why Bank of America stole {$20000.00} from our account and why it continues to refuse releasing the money back into our account. We are elderly and on a fixed income we want answers as to were all our money has gone to.
Product: Credit reporting

Over the last 12 months I have sent multiple letters to Equifax stating XXXX XXXX wrote off this account for company tax purchases. It should not still be on my credit report because XXXX XXXX took the tax credit once this account was written off. 

XXXX XXXX
Product: Checking or savings account

In the XXXX  of 2021, my wife and I began receiving mail for our joint accounts at Bank of America that no longer included my wife 's name. It had been overwritten with a new unknown name that we had never seen before. 

We contacted Bank of America as soon as we realized what was going on. We became concerned that there was some sort of identity theft. When we contacted the Bank, they could not figure out what had happened. Their customer service reps advised I go to a branch, open new accounts without my wife 's identity, and transfer all of our funds there. For security, I took those steps. 

This did not address the root cause -- my wife 's identity had been overwritten in the Bank 's systems. On XX/XX/2021, we were advised to file an identity theft claim. We filed the needed paperwork and it has still not been resolved. 

While the identity theft claim has been in review, the Bank has continued to process all of our joint banking with the unknown identity -- including official government paperwork regarding a real estate purchase in 2021. We just received tax forms on XX/XX/XXXX that list the unknown identity. I called the Bank again and they are continuing to review the identity theft claim. Their agents are completely unable to take any action to freeze or pause processing of issues involving my wife 's account. 

We have seen no evidence of fraudulent transactions, tax filings, or other records associated with this activity. All problems are stemming from the Bank 's incorrect paperwork. Based on my personal expertise in cybersecurity and finance, I believe that while this could be identity theft, this is most likely indicative of a lack of proper controls at Bank of America. The underlying issue is likely a database collision -- where they merged two online accounts incorrectly. This should not be possible. In fact, Bank of America employees at the branch and at the customer service and fraud departments that have reviewed the case described it to me as something they had never seen before and that should not have been possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX by law according to 15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

This company has reported numerous negative payments on my XXXX, Equifax and XXXX credit report and I ( XXXX XXXX ) would like for those payments to be updated to PAANL status due to my current up to date payments.
Product: Mortgage

The mortgage was purchased by Carrington Mortgage on XX/XX/XXXX ( transferred to Carrington Mortgage on XX/XX/XXXX ) from XXXX XXXX XXXX. We paid XXXX XXXX XXXX  the XXXX payment of {$1800.00} on XX/XX/XXXX with it showing as accepted by a transactions document ( sent from XXXX XXXX XXXX ) on XX/XX/XXXX. Carrington mortgage, who we did not send a payment to until XXXX, is stating they did not receive XXXX 's payment due to a return for non sufficient funds, which is false, because we did not submit a payment to Carrington Mortgage until XXXX of XXXX. We have contacted XXXX XXXX XXXX  and they say everything is good on their end, they received XXXX 's payment. Carrington does not see it at way and we have sent the documents to Carrington Mortgage from Amerifirst showing that the payment was accepted. We did not receive notification from Carrington on this matter, I caught it when I went to pay XXXX 's payment to Carrington that we were overdue for XXXX 's payment. Being it is a transfer of a mortgage, we had 60 days of no credit reporting/late fees according Carrington. We submitted documentation via email of history of transactions from XXXX to Carrington on XX/XX/XXXX via email with bank statements showing the payment as valid. They stated it would take XXXX business days to credit our account if the investigation was valid. We paid 2 payments on XX/XX/XXXX in the amounts of {$1800.00} for each payment to cover XXXX ( which really was not late but was in investigation still according to Carrington, who said over the phone they would credit the Payment of XXXX after investigation ) and XXXX payments. XXXX received a credit, via over the phone we were told, and then we paid XXXX 's payment on XX/XX/XXXX in the amount of {$1800.00}. In XXXX, we had a hit on our credit for XXXX being past due by over 30 days, because the credit did not happen according to " payment history '' on Carrington 's website. They then applied XXXX 's payment to XXXX 's payment. Every time we call, they seem to be lost at what has happened and do not see conversations logged in their system. We paid, what we consider XXXX 's payment on XX/XX/XXXX in the amount of {$1900.00} ( payment increased due to escrow increase ), which they will I assume apply to XXXX 's payment, which will also hit our credit report due to be " 30 days late '' according to Carrington. So now, we will have two reports on our credit report showing " 30 days late '' due to their inability to apply payments correctly, along with communicate to XXXX  on the matter, even though I have given them proper documentation from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly lates on the XXXX partial account numbers - XXXX ; XXXX and XXXX. ( Please see pages 20, 21 and 22 of the attached credit report. ) I consolidated these loans and was making my monthly payments. I was sent a notice saying that I was late on payments. The payments I was making did not get credited to the right accounts and consequently it caused the lates on my credit report. This accounting error was not my fault. I was told by a representative that they would correct their accounting error and remove the late payments. This has not happened. I have contacted the ( 3 ) bureaus to fix this inaccurate reporting which is harming my credit score. Please remove the lates from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company refuses to send me the original documentation with w/a wet signature to prove that the alleged account belongs to the consumer. Prints off are not sufficient as we all know those prints off can be uploaded and altered. Again I want this account removed immediately from the consumer file. If the company can not respond to my request and give me what is needed and oblige the law then IMMEDIATELY REMOVE
Product: Mortgage

After 4 years of trying to obtain a modification from Wells Fargo - ( as explained in my other complaint - XXXX ) unsuccessfully, I am now reporting all and any attempts by Wells Fargo that delay, undermine, confuse, and or subvert and sabotage our attempt to reclaim our home. After 2 months of working with XXXX Home Mortgage Preservation Specialist ( XXXX XXXX ) and sending redundant documents which where then denied were received on several occasions, we have just today been notified of a NEW Specialist, which will start the process all over again. This will only increase the arrears and I believe this to be deliberate. 
There is no question that we are now in a position to pay a reasonable mortgage payment and that has been proved continually. These constant machinations to detain conclusion is damaging, against the law and there is no good reason for constantly switching specialists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX {$2000.00} XXXX XXXX $ XXXX XXXX {$220.00} XXXX   XXXX {$290.00} XXXX  XXXX {$500.00} XXXX   XXXX {$140.00} XXXX  XXXX {$31000.00} XXXX  XXXX XXXX {$390.00} XXXX  XXXX {$0.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX
Product: Debt collection

I closed my account with XXXX on XX/XX/XXXX, I paid all that was owed and received confirmation of my account being left in XXXX both for services or installment plans after my payment of {$74.00} dated XX/XX/XXXX. 

I received a collection letter dated XX/XX/XXXX from XXXX XXXX XXXX. stating the following : Creditor : XXXX, XXXX Client Account # XXXX Convergent Account # XXXX Amount Owed : {$250.00} After receipt of letter I went to the XXXX store on XX/XX/XXXX and was contacted with costumer service XXXX XXXX EID XXXX who said he could not provide information on my account, that I needed to contact the collector for information on the amount owed. Same was told by the store clerk. 

On XX/XX/XXXX I contacted the Collector XXXX XXXX XXXX, who told me that they could not provide information on my account other than the amount owed, in addition they failed to identify themselves. 

I have sent a letter to the collector disputing their harassment and the debt. 

It is very unfortunate and illegal the manner in which this companies act. No one provides information, not only this they fail to provide anything in writing. It is as if the strategy is to force the consumer to give up and pay an unlawful debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced recovery is failing to respond to my correspondence. I have mailed them several times inquiring about their account they are reporting on my credit. When I satisfied the balance in 2020 I clearly remember the representative stating that they would delete this account from my credit. Now Enhanced Recovery ghosted me after they took my money. Please delete this account from my credit.
Product: Credit card or prepaid card

Re : USAA XXXX XXXX XXXX XXXX Credit Card XXXX The reason for my complaint is that i asked for an account Review and a adjustment on my credit report of a late payment dated XX/XX/2021. 
If you review my account carefully, along with any customer service notes/interactions ; I had called and asked for a payoff amount on my credit card ending XXXX before I headed out for XXXX. The same day I proceeded to pay off my balance as provided on the website, automatic system and confirmed by a live rep. A few weeks after, I got a notice that I was delinquent on my account by about {$1.00} and it was reported to the credit bureau as not paying my account. As soon as I was aware of this, I proceeded to payoff the balance that I was not aware of, and as you may know, acces to emails or communication during XXXX is very limited depending on the location, which made this more unfortunate for me. I contacted customer service as soon as it was possible for me, and unfortunately the representative was not understanding of my situation and was unable to provide any help or solutions, moreover I was treated like any other person who has been irresponsible with payments. 
I am humbly requested that my account is reviewed and the late payment be reversed and reported to the credit bureaus. 

Usaa reached out and all they kept saying is that the charge is correct, which indeed I have no arguments against. I informed USAA that the representative provided incorrect information about my pay off right before my XXXX, and I proceeded to pay off what I was advised to close out the balance on the account. The representative provided erroneous information which caused a negative remark on my credit report due to USAA negligence. USAA DOES NOT WORK ON THE WELFARE OF THE SERVICE MEMBERS, they utilize predatory practices that affect consumers, specifically XXXX XXXX military. 
See attached statements showing amount due and pay off amounts being equal. 

XXXX XXXX. 
XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I feel th at western union should be held accountable for the large fees they charge for money transfers in minutes, when in fact it can take 2 hours for it to complete. Money in Minutes is misleading. I h ave had  XXXX  transactions in the pa st 2 weeks that have had a 2 hour review process. My banking info and card I am using match my western union profile. The person I am sending money to is my h usband.   I contact ed Western Union about both m y transfers.      XXXX  transaction was on  XXXX / XXXX / 17  in the amount of  XXXX  in which I was charged  XXXX  for money in minutes. I contacted them to find out why my money transfer was in review, I was told he just needed to go to a person with his ID and not one of their Kiosks. However the email did not state that. At this time it was to late for me to go to  XXXX   XXXX  since the funds had already been removed from my account.      XXXX  time was today  XXXX  in which I was sending my husband  XXXX  in which I was charged  XXXX  for transfer in minutes. After initiating I got an alert to call them to expedite the process or I could wait. I called and spoke to a woman at about  XXXX   XXXX  est. She asked me questions like, why I was sending it, where, and my relation to the receiver. At the end she said I will get an email with in 5 min and  that the transfer will be ready for pickup in which this time he could go to a person or Kiosk It is  XXXX    XXXX   est time and the transfer is still in progress under review. I called and spoke to a gentleman and he told me the review t akes 2 hours an d I would have to wait.     This was a domestic transfer as well.