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

My wife and I have been working towards purchasing a home in XXXX, California. To cover the closing costs, which include the deposit and down payment, we both withdrew funds from our shared XXXX account. We proceeded to deposit our respective XXXX checks at a Bank of America branch. 

While my wife 's check was cleared immediately, mine was placed on a 7-day hold. Bank of America provided no explanation for this hold. Given that my wife is white and I am XXXX, we can't help but suspect that this discrepancy may have been XXXX XXXX. 

This unexpected 7-day hold has put our home purchase at risk, as we XXXX not be able to close on time. Bank of America has only referred to this as a 'confidential hold ', offering us no options to escalate the issue or meet with someone who could expedite the verification of funds. 

The check in question was from XXXX, a company with over a XXXX dollars in holdings, and we had sufficient funds in our checking account to cover the deposit. Considering we received no explanation, and that my wife and I deposited checks simultaneously for the same amount, it's difficult not to conclude that XXXXXXXX XXXX may have played a part in the decision to place my deposit on hold, while hers was not.
Product: Credit card

On XX/XX/23 I received an email from Wells Fargo stating I had applied for and been approved for a Wells Fargo Active Cash Visa Card with a Credit Line of {$16000.00}. I also received an alert from XXXX XXXX and XXXX that there had been a hard pull of my credit report. 

I had not applied for this and have never had an account with Wells Fargo. I immediately contacted Wells Fargo, and after talking to XXXX different people, I was told that they would have to talk with someone in a credit card department that would not open again until Monday. My husband also spoke with Wells Fargo staff about this and was also told that I should call back in a few hours because at XXXX XXXX the credit card likely would have been processed and they should be able to cancel it. 

I called again on Sunday, XX/XX/23 and was told that because the card had not yet been created they couldnt cancel it. However, I was requesting they prevent the card from ever being created, as the creation of this card could allow someone to begin spending money on a fraudulent account. Wells Fargo was unable to help me and as it stands the card will be created before it can be cancelled- and it can only be cancelled by my calling Wells Fargo again tomorrow to try to get this resolved.
Product: Debt collection

There are two companies involved here. One is XXXX XXXX d.b.a. XXXX XXXX ; the other is National Credit Adjusters. In XXXX of XX/XX/XXXX I took out a loan with XXXX XXXX. It was predatory -- 227 % -- but I knew I would be paying it as soon as the funds from the sale of my house arrived. In XXXX I mailed a check to pay off the loan, but when someone from XXXX XXXX told me of the hundreds of dollars of interest that would accrue while they verified the check, I canceled the check and sent a cashier 's check instead. 

When they received the cashier 's check, XXXX XXXX sent me an email saying that my loan was paid off. The email said that I could get a paid off letter from their Website by logging in to my account, so I logged in and retrieved the doc. ( It is a copy of the original loan doc with the words PAID IN FULL superimposed across each page. ) Then two-and-a-half years later I was contacted by the collection agency National Credit Adjusters saying to send {$5000.00} for this loan. Despite sending them my evidence and explaining to them that the loan is paid off, they continue to keep this on my credit report and continue to send me letters asking for payment. 

My son has two XX/XX/XXXX XXXX. If he were to catch the coronavirus, it would most likely be fatal. So when my employer reopens their doors, I will not be able to go back. For that reason, my wife and I plan on selling in Southern XX/XX/XXXX and moving to XX/XX/XXXX where things are more affordable. The problem is that my credit rating makes it difficult for me to qualify for a loan and Im not able to do anything to raise that rating due to National Credit Adjusters reporting that I owe for a paid-off loan. 

My two-and-a-half pieces of evidence : 1. The email from XXXX XXXX saying my loan is paid off. 
2. The Paid in Full doc from XXXX XXXX XXXX. 
3. I did not save the copy of the cashiers check ( I figured numbers 1 and 2 would be enough ). But I do have a bank statement showing a cash withdrawal of {$5000.00} ( used to buy the cashiers check ) on XXXX. The paid-off email is dated XXXX. This is my half piece of evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems is showing up as a XXXX collection account on my XXXX Credit Report. It was showing on all three of my credit reports but XXXX and XXXX deleted the incorrect information from my reports but this continues to show on my XXXX report. I have disputed this over and over and given all of the information that I have gotten which is not very much. I called National Credit Systems on XX/XX/XXXXat about XXXX while waiting for a doctors appointment spoke to a few people. ended up speaking to Mr. XXXX. He looked every way that he could in his system under my and my wifes social security numbers. He said you are not in our system. Which makes sense because we dont owe any money. We called National Credit Systems again on XX/XX/XXXXand recorded the phone call. They looked up our social security numbers and said you are not in our systems if either of you had ever owed us money you would show up in our system. There is nothing that we can do for you. We disputed with XXXX and they say verified then the next time the added a statement. that is not acceptable. The original creditor listed on the XXXX report is XXXX XXXX in XXXX OH. We did live in those apartments but our lease ended on XX/XX/XXXX. We did not owe them any money when we moved out. In fact they returned our deposit to us. When we called them they said that the company was sold in XXXX and they have no prior records. We applied to get an apartment they told us no because this was on my credit report. National Credit Systems says I dont owe and there is nothing in their system but somehow this was reported to the CRAs. XXXX says verified. We have been fighting to have this incorrect information deleted for over 6 months with no help from National Credit Systems or XXXX. National Credit Systems says they cant help me but from what XXXX Says they reported and verified the collection debt. We have put earnest money down on a house and are scheduled for an appointment with our Mortgage Lender on Friday XX/XX/XXXX at XXXX. And this will affect our getting mortgage and the kind of rates we are offered.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXXXX/XX/XXXXXXXX Balance Owed : {$0.00}XX/XX/XXXXXXXX Balance Owed : {$0.00} XX/XX/XXXX XXXX Balance Owed : {$9600.00} XXXX XXXX Balance Owed : {$1400.00} XX/XX/XXXXXXXX Balance Owed : {$11000.00} XX/XX/XXXXXXXX Balance Owed : {$12000.00}.
Product: Credit card or prepaid card

I went out of town from Illinois to Georgia. I only took one card, my Capital 1 credit card. I ended up going to XXXXXXXX XXXX XXXX in GA, where I was able to pay for my food, but when I swiped to pay for the games, my card was declined. I opened the app to see that my card was restricted. This was Friday, XX/XX/XXXX. I was told that a representative would reach out in 10 business days. They left me stranded in GA with no financial way to get around, for no reason. A representative never reached out. It is now XX/XX/XXXX, and my account is still restricted. I took out a XXXX dollar cash advance, and I feel like they have restricted my account so that the fees build up.
Product: Mortgage

I fell behind on my mortgage during the beginning of the pandemic. My tenants took advantage of me and the pandemic and all stopped paying. When my dad passed away a month before the pandemic XXXX hit and it was hard to try to get the tenants out and go upon the necessary steps needed. 
For the past year it has been a run around with wells Fargo trying to do a modification. every time I sent information it was " wrong '' causing me to have to do the process all over. This happened three times. When finally everything was done they denied me and suggested a short sale. No other options just basically I will lose my home. I am devastated.
Product: Credit card or prepaid card

! I pay my balance IN FULL every month less any statement credits. In XXXX. I paid everything in full less a credit that ironically hit XXXX days later, even though it was submitted days before my statement due date! so I got stuck with XXXX in finance charges for a XXXX statement credit .called they would not waive the fee but said if you pay balance in full the next statement then no more fees.I did that for XXXX payment .looked at my XXXX bill and yep..more finance charges!! XXXX this time. called them asked for a supervisor ... and told her to pull up the call I had the prior month with the prior supervisor who refused to credit the finance charges.She found the call date but ironically that call wasnt recorded. XXXX refused to credit the finance charge when the prior agent clearly told me there would not be any more once I paid my prior balance in full by the due date and that calls were recorded.
Product: Student loan

My loan was placed into administrative forbearance by Mohela- which per the government and MOHELA counts towards PSLF. I made 120 payments as of XX/XX/2024, submitted the employer certification form, and called Mohela to place me in a pslf processing forbearance. I was told on 3 separate occasions I would be placed into the forebearance, and nothing has been submitted. There are 3 payments listed as ineligible payments from the administrative forebearance placed by Mohela, and so my count is XXXX. Because of their error and lack of ability to update the payments as eligible, I can not get a processing forebearance. I have spent over 9 hours on the phone, and the representative is unable to assist and then transfers me to voicemail. I am now late on the payments- payments that I do not owe. They have been unable to assist and tell me there is nothing I can do. I called Federal Student Aid, who states that Mohela has to switch the counts. This is illegal and predatory.
Product: Credit card or prepaid card

On XX/XX/2022, I contacted American Express customer service about not receiving my {$10.00} " AMEX DINING CREDIT '' for the month of XXXX. I made a valid purchase on XX/XX/XXXX named " XXXX $ XXXX Mon, XX/XX/2022 '' with the following details " Which Wich Total : {$15.00} Ordered : XX/XX/2022 XXXX Order number : # XXXX Contact Restaurant : ( XXXX ) XXXX ''. This XXXX transaction used my XXXX {$10.00} dining credit instead of XXXX which resulted in me not receiving credit for the transaction made on XX/XX/XXXX. The initial customer support representative was very understanding and told me not to worry. They noted this on my account and the credit will be taken as the XXXX credit instead of XXXX as they will manually credit my account for the XXXX transaction once I've made it. 

After I made the XXXX transaction for the AMEX XXXXining Credit, I contacted customer support on XX/XX/XXXX to manually credit the transaction. This time the customer representative was not helpful and told me they couldn't. They thought I did not understand how it works. 

I will provide the timeline of the transactions below : XX/XX/2022 - XXXX order placed for {$7.00} XX/XX/2022 - American Express credits my account for {$7.00} of the {$10.00} XXXX credit XX/XX/2022 - XXXX  order placed for {$7.00} XX/XX/2022 - American Express credits my account for the remaining {$2.00} of the {$10.00} XXXX credit XX/XX/2022 - XXXX order placed for {$15.00} XX/XX/2022 - American Express credits my account for {$10.00} for what was supposed to be {$10.00} XXXX credit XX/XX/2022 - XXXX  order placed for {$11.00} No credit received for month of XXXX XX/XX/2022 - XXXX order placed for {$10.00} XX/XX/2022 - American Express credits my account for {$10.00} for the {$10.00} XXXX credit I have receipts and further proof if needed. I do not appreciate the hassle to be able to claim this credit when I was initially told it will be given to me by the first customer representative.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Dear Compliance Team, I am writing in response to your recent letter regarding the above-referenced account. While I acknowledge your statement that the account has been closed since XX/XX/year>, I remain concerned about the accuracy and completeness of the information associated with this account. 

Your letter indicates that a tradeline is not being reported for this account. However, I am requesting written confirmation that no negative reporting related to this account exists on my credit reports with any of the major credit bureaus ( XXXX, XXXX, and XXXX ). Additionally, if there are any records related to this account still being reported, I formally request that you provide detailed documentation verifying the validity of such information. 

Furthermore, if this account is no longer valid, I request written confirmation stating that it will not be sold, reassigned, or re-reported to any credit reporting agency in the future. 

I appreciate your cooperation in resolving this matter. Please provide a written response confirming the requested information within 30 days of receipt of this letter.
Product: Student loan

In XX/XX/XXXX 2017 I submitted a form to switch from the IBR repayment plan to the REPAYE payment plan. It is now XX/XX/XXXX and my form still has not been processed. I have n't been able to make regular payments because I do n't know what my payment will be. I asked to be in forbearance until they processed the form, but it has been so long that now I am losing months towards my Public Service forgiveness. I get different answers every time I call, promises that the form is bring processed the next month, and then it is n't. I have been with FedLoan for a long time now, and every. single. time. I have to do something with them it is a nightmare and a headache. It is very, very stressful. Every year when I submit to have my payments counted towards Public Service Loan foregiveness they miscalculate my payments and I have to ask them to recalculate them, until they get it right. EVERY YEAR. I have friends who have the exact same problem. The mistakes they make regularly are criminal and nobody does anything about it. I have made a point to make smart decisions with my career and my money, and FedLoan makes it so, so hard to continue to do that. I 'm feeling really defeated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact XXXX, XXXX  and Transunion. I have sent mail since XX/XX/XXXX and have yet to get any documentation on the investigation results. My personal information and credit report have so many inaccurate information. It has been past the 30 days and yet to be fixed. 

As per The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I have been violated and remedy asap. 

This section of the FCRA was amended by 602 of the Economic Growth, Regulatory Relief, and Consumer Protection Act ( P. Law 115-174 ) effective May 24, 2018. 

I will attach discrepancies below
Product: Student loan

I am in the PSLF program with XXXX and I requested that Navient revisit my loan payment of XX/XX/2012 as they report it as short. Sallie Mae took over my Direct Loans without my approval inXX/XX/2012. In XX/XX/2012 I received a bill for {$1200.00} that did not reflect my Income Based payment plan that I was on with Direct Loans. I called to have my bill recalculated based upon my income and I was eventually told my new payment would be {$390.00}. The representative also stated my first payment would be due on XX/XX/XXXX so I made my payment early on XX/XX/XXXX. The following month I received a bill for {$410.00} and paid it in full. The next month it dropped to {$400.00}. I have found out through XXXX that this payment does not count toward my 120 payments because the payment was not for the full amount. 
I can only assume the customer service representative only saw the payment for loan # XXXX and did not include Loan # XXXX. At the time I was not aware they were separate loans. I paid the amount she instructed me to. As you can verify from my payment history I have always made my loan payments in full and on time. I made my payment in good faith for the amount I was told was due. Obviously if the representative would have told me to pay an additional {$12.00} I would have done it. Unfortunately they did not provide a written statement reflecting the new amount due so I made my payment based upon their employees verbal statement of the amount due. I have submitted documents proving my case. Document 1 shows the original payment due of {$1200.00}. XXXX that did not reflect my correct IBR plan. Doc 2 clearly shows my payment of {$390.00}, no amount past due, and a XXXX payment due of {$390.00}. ( apparently this was an additional statement error that was then changed to {$410.00} ). Again I made my payment on time for the amount I was told. I should not be responsible for their billing errors. As I researched Navient online it appears this is a common practice.

I contacted Navient ( since they took over from Sallie Mae ) to try to get this issue corrected. They did not credit the payment as requested and I have included their summary as the last document. The bottom line is that I paid the amount that was requested by their agent, I paid it 2 weeks early, and when they billed me an additional amount ( above the statement amount ) the following month I paid that in full as well. Clearly I met my obligation for that to be a qualifying payment.I should not be punished for their employee 's mistake. As I am nearing the end of my PSLF program I am trying to ensure I have credit for all of my payments. With the uncertainty surrounding the program itself, every payment is crucial before the program ends so I really would appreciate your assistance in resolving this as soon as possible. I can be reached at ( XXXX ) XXXX or via email at XXXX. 
Thank you XXXX XXXX XXXX Acct # XXXX
Product: Credit card or prepaid card

In XXXX, Synchrony Bank closed my newly opened ( less than one month old ) XXXX XXXX credit card along with my other three credit cards I had open with them. I had accumulated {$420.00} in XXXX credit according to my billing statement. This money was confiscated by Synchrony. I contacted them and was told to contact XXXX XXXX to find out where the money was. XXXX told me Synchrony never sent them the funds to be applied to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate to XXXX, XXXX and Equifax. I have never been late on any payments. Date XX/XX/XXXX, amount {$550.00}. I tried contacting XXXX XXXX asking to have my account updated to paying as agreed on all three bureaus. I was advised that my request would be forwarded to the proper department to review and update. Nothing has been updated on any of my credit bureaus. XXXX XXXX, XXXX, XXXX, and Equifax is violating my rights as a consumer under Section 15 USC XXXX. 

There are about XXXX inquires reporting on all three of my bureaus that I never authorized or gave consent to anyone at the reporting companies to run my credit. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
XXXX is reporting unauthorized inquires from 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 is reporting unauthorized inquires from 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 
Equifax is reporting unauthorized inquires from 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 card or prepaid card

On Friday XX/XX/2021 XXXX XXXX of Bank of America put a hold on my credit card ending XXXX without any notice and with no clear reason. 
Since then, to unblock my card, I had to make repeated phone calls to the XXXX XXXX with waiting time 40+ minutes, let alone, by their request, was forced to visit their branch having massive waiting lines too and all of this in vain because, to date, my credit card is still not working.
Product: Checking or savings account

Chime notified me that my account will be closed without reason, I was told the funds in my savings account will be transferred to my spending account and all remanding balances will be sent via check in 30 days howver its been over 30 day and I stain didnt revive my money I e tried calling and emailing and theyre response is sine theyve ended theyre banking relationship with me they can no longer assist me