23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have contacted my Loan Servicer numerous times to get this problem resolved, each time to no avail. My most recent contact was today XXXX XX/XX/year>. 

On or around XX/XX/year>, I submitted an Income Based Re-payment Plan request to MOHELA, my loan servicer. This was done with the understanding that it would be processed, of course with the caveat of a longer than normal processing time. 

Over the past months they have been grossly inconsistent with expected timelines and went back and forth with whether or not it could be processed at all.

In the past two weeks, I have been informed by MOHELA that they would not be processing ANY Income Drive Repayment Plan requests. One representative told me this was by direction of The Department of Education, another told me this was by XXXX XXXX XXXX, and a third informed me this was by direction of an internal MOHELA memorandum. 

This is contrary to the following made public in updates provided by FSA on XX/XX/year>, and XXXX on XX/XX/year> ; " XXXX expects servicers to begin processing certain IDR applications that were paused following court orders affecting the terms and availability of IDR plans. '' After review all MOHELA service representatives have agreed with me in there being a gross miscommunication somewhere. However, none could assist me by ensuring my IBR request would be processed in a timely manner according to guidance made public by the very office MOHELA serves. 

In summation : Despite XXXX XXXX XXXX XXXX and XXXX XXXX XXXX making public remarks that loan servicers are expected to process Income Driven Repayment Plan applications, I have been told by numerous MOHELA service representatives that MOHELA does not currently intend to process such applications at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my report in XXXX I noticed a large amount of fraudulent accounts, address and names reporting. these accounts i never applied for, names and address i never used
Product: Credit reporting or other personal consumer reports

XXXX XXXXXX/XX/year> the inaccurate reporting of the student loan account referenced above under my credit file according to the fcra reporting act you are required to ensure accuracy and completeness of the information you report pursuing to fcra section 623 A6 15usc 16 81s2 that you verify the accounts and details specifically time frame and negative payments history reportings second the verify the account details comply with the requirements under the FCra 615 f and section 605 b which addresses the handling and dispute accounts and protection against reporting of fraudulent or unverifiable information if this information can not be fully verified I requested immediately deletion from my credit report as required under the fcra section 605d
Product: Vehicle loan or lease

This company is reporting on me and I don't have no idea who these people are they put a judgment out on me and these people here I don't have no idea who these people may be these people could be scheming I know I have went through an identity theft everything supposed to be frozen but these people keep coming at me with some judgment and I don't know who these people is they're harass me and you need to have them stop and pull that judgment off me it doesn't make sense by the god of judgment on me and I don't even know who these people are contracts and all that might be fake check this company out
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. 

Account name : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXXhas 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.

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, credit repair services, or other personal consumer reports

I

am writing in regard to my credit report which was recently issued to me and includes negative items from the following. 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. 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. 

Please remove inaccurate information CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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  Doesnt exist. Inaccurate information My rights have been violated sharing and posting information that is not accurate per FCRA please remove The FCRA is a federal law that requires credit bureaus to provide consumers with fair and accurate credit reports. Section 609 of the FCRA states that whenever a consumer disputes an item on a credit report, the credit bureau must provide reasonable procedures to ensure that the information is in fact accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of some accounts on my credit report, they did and stated that everything was accurate. 
I did a research myself found improper and inaccuracies on my credit report after they did their research. 
I have attached the accounts information.. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX listed on the attachment, 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 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have no knowledge of this lender or amount I am being charged for. Letter dated XX/XX/XXXX as a Notice of Judgement Enforcement Proceedings from XXXX XXXX XXXX, XXXX. Attorney at Law, XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX. An attempt to call and speak with someone regarding this letter was made # XXXX -did not address themselves as a law firm but " hello how my I help you ''. It appears that this company has a history of fraudulently filing suits in attempt to collect debts. I have not been presented with any documentation, signed agreement or application to provide proof of the debt.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer saftey
Product: Debt collection

Account has been closed by XXXX a long time due to an issue with payment and the faulty camera they provided. XXXX closed credit account in 2015. They transferred file to a third party. They are still claiming that account is open and they are still reporting missing payments which is innacurate. Account is no longer open. See account status : XXXX : XXXX XXXX XXXX reporting inaccurate information is PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

The WAYFAIR site offers the Comenity Bank Wayfair Card and an invitation to apply. The invitation clearly states that it will not affect the credit score negatively and that a preapproval would then advance to the actual card application. I filled out the preapproval form and WAS APPROVED for the Comenity Bank Wayfair Card. I was then notified on the pop up screen that further information was needed. My credit was indeed affected with a HARD INQUIRY by Comenity Bank.

I attempted to resolve the issue with Wayfair because they have the credit card application and invitation on their site. Wayfair blamed Comenity Bank and could not assist. Comenity Bank blamed Wayfair but it was Comenity Bank that did the hard inquiry without authorization or at the least deceptive invitation after the  preapproval which is deceptive and then advances to the credit card application that does affect the credit rating. I have repeatedly asked Comenity Bank to remove the hard inquiry. I no longer want the credit card but do need the hard inquiry removed that was not authorized and was deceptively done after the preapproval assurance that there would be no affect on the credit rating. Wayfair allows the invitation for the card on their website which can only be used for Wayfair purchases and Comenity Bank is therefor advancing credit card applications on the site so both are responsible for the deceptive invitation that assures there will be no hard inquiry.
Product: Checking or savings account

Hi on XX/XX/year> at XXXX am i receive an call from the wells Fargo corporate about harassing me that they will not closed my checking account as i had previously requested till i pay their overdraft fees of {$98.00} to them before they can close my account. And this is an fraudulent practice and this is also in violation of federal laws and the fair lending protection act also this is an unfair banking practice and criminal act. i got an call from them again on XXXX XXXX at XXXX am about the same harassing calls they will not close my checking account so i has warn them on what i plan to do is to take legal action against them if they continue to disrespecting my request for them to close my account and trying to fraudulent me my money and i own them nothing. so the federal laws has already orders all banks and finance institutions about not to charge consumers with these overdraft fees and service fees because their don't have money in their checking, saving, and business accounts and it insufficiency they have no rights to rule and tell us on how we oath to manage our money in our account. That our hard and earned money and we can manage our money anytime we want to in and out of our banking accounts. so i encourage you folks to warn them about violating the laws about these unfair banking practice in criminal fraudulent practices toward XXXX consumers and about the penalties that we will take action and file an lawsuit in the courts if they willfully continue to violate consumer rights and not close our banking accounts we has also found out that we got banks and other financial institutions who has already been in previous legal trouble with consumers and federal agencies and has taking legal actions against these junk and fraudulent fees in the courts in the previous years doing the future. please teach them to respect these federal laws about fair banking practicing and respecting us consumers rights and please make sure that XXXX of you do knows the federal laws and the XXXX constitutional rights about fair banking practicing thank you very much
Product: Student loan

I've spoken with Mohela multiple times about getting my account placed into administrative forbearance because of the >60 day processing time that has passed while awaiting processing of my SAVE plan application. This was initially delayed despite multiple calls to Mohela, but once it was finally placed and I received confirmation on XX/XX/year> stating that " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. ". Despite this confirmation, my account states that it is still accruing 6.5 % interest daily through today. I'm working to get this corrected, but Mohela has not been helpful each time I call, which has required a 60-75 minute wait each time.
Product: Debt collection

I received a call at XXXX on XXXX/XXXX/16 from XXXX XXXX XXXX . The woman stated that she was calling to collect a debt and when I proceeded to ask questions about where the debt was coming from. She asked if I filed for bankruptcy and if my co-signer had filed which was odd because I have not filed and my mom had filed in the pass which has nothing to do with my current situation. I asked again what company was this from. She said XXXX which is the originator but it actually is from Discover Student Loans. She told me that she wanted to get this resolved or else wages will be garnished or they will have to sue. I was so upset because I have never heard this before and this was my first time communicating with anyone from XXXX XXXX XXXX. I told her that I will let my lawyer know and he will be in contact. She persisted to try and get my lawyers contact info and I repeatedly told her that I will let him know to contact them. She was n't satisfied with the answer but I finally was able to end the conversation.
Product: Debt collection

I am requesting that you verify this debt and provide me with documentation that proves that I owe it. I am also requesting that you remove this debt from my credit report if you are unable to verify it. 

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA gives me the right to dispute inaccurate or incomplete information on my credit report. If you are unable to verify this debt, you are required to remove it from my credit report. 

I would appreciate it if you could investigate this matter and take the appropriate action. I look forward to hearing from you soon.
Product: Bank account or service

This is regarding my client who is under the XXXX and needs support regularly. He is in our care now and is entering XXXX services soon. This client was charged more than XXXX dollars in excessive transition fees every month. The last two months shows more than XXXX dollars lost from his meager check of XXXX dollars. The branch manager at XXXX at XXXX in XXXX knows him by name and understands that he is under XXXX. This case manager tried to explain that my client does not understand what he signed into and believes that he was just signing into a no cost direct deposit account as explained to him. The bank employee clearly does not want to resolve this. They claimed that they did everything as per the law. My client has even transferred a dollar from his saving to his personal checking and got XXXX dollars of fee every time. This is the money he has earned pushing carts in heat and rain and snow. He wants all his money back -- which is at least XXXX dollars or more. The bank manager first did not want to work with XXXX and me and later wanted to return only what she thinks is appropriate. She clearly brushed aside my concern that my client was being taken advantage from the very beginning therefore all the money has to be returned. She defended her predatory practice of opening saving account that charges money for going low, for transferring his own money from saving to checking, and others that we do n't even know. My client is gullible and has XXXX. He cant even tell you the change he receives after buying a gum. The store manager denied any wrong doing and denied to return the money back. This was reported to the corporate online XXXX and provided all the info requested on the XXXX of XXXX because they wanted to investigate. But, it does not look like this is going anywhere. I am reporting it here, because I believe that my client has fallen to the victim of predatory banking by citizens. I am at disbelief that the bank is scooping money out of this clients account who does not even understand simple addition. I am awestruck with the corporate culture that takes advantage of the poor and vulnerable and still claim that they are doing everything by the book and challenge those who reminds them simple moral practices in banking. 
I want this matter to be investigated and want the bank mangers to be trained to work with people who are XXXX not make their bonus on the expense of people like my XXXX client. 
Thanks
Product: Credit card or prepaid card

I have been severely impacted financially by COVID-19, and I have tried calling my credit card company, Barclays, regarding my Barclaycard XXXX card to bring my interest rate down lower due to my hardship. They are not willing to provide any assistance whatsoever. I need the government 's assistance in ensuring I am not overpaying these credit card companies with extremely high APR interest, when my main motive is to get out of debt with them. Thanks.
Product: Credit reporting or other personal consumer reports

looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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. 



I sent a letter asking them to make sure everything is complete and accurate and here is my tracking number They sent me investigation back and said everything is complete and accurate but if you check my attachments everything is not complete and accurate And according to nd according to 15 USC 1681i 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( XXXX ) : ( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

But they did not do that as well either. 

and according to 15 USC 1681s-2 they are suppose to 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

Dear Dispute Resolution Team, I am writing to dispute the accuracy of information regarding an account on my credit report. I previously disputed this account for accuracy, and it was verified by your agency. However, upon reviewing my credit report, I have noticed a discrepancy in how this account is being reported to different credit bureaus. 

Specifically, the account in question is being reported as " closed '' on one credit bureau 's report, while it is being reported as " open '' on your credit bureau 's report. This inconsistency is concerning and has the potential to negatively impact my credit score and financial standing. 

I urge you to investigate this matter thoroughly and rectify the discrepancy in the reporting of this account across all credit bureaus. It is imperative that accurate and consistent information is provided to consumers to ensure fair and transparent credit reporting practices. 

Please provide me with an update on the status of this dispute and the steps being taken to address this issue as soon as possible. I appreciate your attention to this matter and look forward to a prompt resolution. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Yes, I truly am struggling to pay my mortgage. My XXXX has had a XXXX and I'm currently unemployed. 

My true issue is regarding a insurance claim on my home. My insurance is lender placed, so I am starting this process with my mortgage. I've asked them to contact the insurance, they have. An agent named XXXX left a XXXX on my cell. I call the mortgage and both the insurance and customer service department kept switching my call back and forth because no one knows what they are doing. I'm already very upset to say the least. 

I need to know why the insurance isn't send additional funds to me. When and how much is what I need to know. 

I am also having issues with the XXXX of XXXX regarding my home. I can't fix anything without any money. 

PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I had a Bankruptcy filing placed on my credit report after my Social security number was comprised and taken over by a completely different social Security number. This was dismissed due to Identity theft. I have asked for this to be removed from all 3 credit bureaus to no avail. In XXXX of XXXX, this happened a second time and was again dismissed at the federal level, due to fraud. Please help me to remove this fraudulent information from my credit report as soon as possible.