23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a first-year XXXX XXXX, and I have approximately {$370000.00} in medical school loans that will be in repayment starting XX/XX/XXXX. On XX/XX/XXXX I called Mohela customer service and initially spoke with a representative who was in training. I was inquiring why my IDR plan request placed in XXXX of XXXX through Federal Student Aid had not been processed by Mohela as of XX/XX/XXXX. I was also inquiring why I had been placed into a " Level '' repayment plan, which meant I had a roughly {$2000.00} payment due on XX/XX/XXXX. The representative was unsure why my request had not been processed yet and told me it might be " lost. '' I asked if there was any more information and he told me there was not. He suggested that I enter forbearance so that I could avoid paying the amount due in XXXX. I explained that my expected monthly payment on the SAVE plan would be $ XXXXmonth, as my monthly repayment is calculated on my income as a medical student, which was near {$0.00}. Therefore, I did not want to enter forbearance. I wanted my application processed on time. The representative told me that there was nothing he could do, and even if I was transferred to a supervisor, there was nothing more Mohela could do to help me. I disagreed and asked to speak to his supervisor. 

Ultimately, I was transferred specialist who did send a request to the processing team to address my IDR application. I also resubmitted my IDR request on Mohela 's website. I was not provided with any information how Mohela had " lost '' my request. Nor was there any acknowledgement that by them " losing '' my request, it could ultimately cost me thousands of dollars. The suggestion by the representative for me to enter forbearance is not a solution to Mohela being delinquent in processing my IDR request. In fact, this would cost me thousands of dollars of interest that I would NOT be paying if Mohela had processed my IDR request in a timely fashion. I would also lose out on PSLF payments ( that I qualify for as a physician ) if I entered forbearance.
Product: Checking or savings account

I am having this Wells Fargo XXXX checking account since XXXX or XXXX its seems. Was having XXXX on this account for some years and later moved XXXX else where. 

Now I transferred XXXX to wells fargo once again to this wells fargo business checking account ending in XXXX. I was able to receive payments. When i am trying to send the zelle payments. I blocked me. asked to call Wells fargo. Called at around XXXX pm XXXX on XXXX XX/XX/XXXX. Tallked to XXXX- very rude and non cooperative customer service. She sent me a text message and it said that it might take XXXX hours. I got the message immediately and I enrolled into it. 

It seems Wells Fargo customer service has no idea what they are doing?
Product: Credit card or prepaid card

Someone transfer XXXX $ from my account to anther account I file a claim for it on Bank of America and they denied my claim its not my who transferred this amount I tried to explain that someone hacked my account but they denied my claim thats is not fair if they do their work right they will found that was a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled out a collection account, as settled in full, and it is still appear on my credit reports. It does not show that they were settled or anything. They appear on my XXXX  and on my Experian Credit Reports.
Product: Mortgage

I live in a condo. I have own this condo for at least 15 years. The condo was in my corporation 's name which is XXXX. XXXX XXXX. I refinanced 4 years ago but had to take the condo out of the corporation 's name and put in my name. At the time that I refinanced I was not aware nor did Ditech tell me that I had to have insurance to cover the inside of my condo. XX/XX/2017 the entire building caught a fire and the fire marshall made all 24 famlies move out. I wrote Ditech and sent all necessary information concerning the fire in order to get a delay of payments. They denied that request. Since the fire I have been paying my mortgage even though I am paying rent for another location. In XX/XX/XXXX Dtech wrote me and ask for proof of insurance. I told them that My Condo Association have insurance and have agreed to replace the building including the insides. Apparently that answer was not sufficient. I tried getting insurance for the inside of the condo but the insurance company told me that I would have to wait until the building is rebuilt. Meanwhile Ditech added inside insurance for my unit. My question to you is how can they add insurance to a burn down building and I am not allowed to nor can i stay there? Isnt that illegal. The building is still vacant and boarded up per the city.
Product: Debt collection

They keep calling but I don't know who they are. They call at least 3 times a day.
Product: Checking or savings account

I disputed a charge for XXXX on XX/XX/XXXX they deducted the money and charged me several nsf fees which I also disputed.. they never credited my account even though ******they charged the transacts back to XXXX XXXX on XX/XX/08 ****** I was served a paper by XXXX XXXX with the charge back information.. today I spoke with a man who id himself a s a manager for bank of the west and he sd he could not help me and just wanted proof that I disputed the charge. All the calls are recorded that I disputed them they charged me for it then then charged it back to the company also trying to make me pay it twice while also charging me fees
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after XX/XX/2023. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Loan # XXXX Wells Fargo Bank To : I am writing you asking for some assistance and support to help, saving my home with wells fargo Bank. I recently had some set back that lead me to be late on payments and have miss payment .During that time I had a loan Modifications.I been calling and writing the bank asking for help to get back on track. They told me to re-apply for a loan Modification which I done, but was denied .I was only oweing XXXX and the prices just going up and up .During this time I ask to be on a payment agreement and was told no, also they told me if I get to reinstate my loan I would have only have 30 days to pay XXXX where would I get that from.I am a single parent with kids in the home .Wells fargo telling me to short sale my home, I feel like they dont want to help me and just want to see me and my family homeless. I been thru Hud couseling and my counsel is XXXX XXXX whos trying her best to help me save my home her office is @ XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Phone : XXXX Fax : XXXX Website : XXXX Agency ID : XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX She was looking into different grants and programs to help me out.All the other people I went for help seems like its a no win thing.I went to court but nothing happen, because wells fargo didnt propertly serve me any court papers .So my court date I have to wait for it too come in the mail.They are trying forclose on my home, I am begging please to help me .I am a single parent working mom, where would me and my children go if we get put out Believe me Iam trying I want go back to school right now I cant because ei would over stress, because I dont know if I will come home to a home..I ask can the payments go on the end of my mortagage, but I was told no.They say we dont want your house, but wont and cant give me any assistance .Then said if I done a repayment thats price will be double that amount XXXX every 2 weeks until its paid off or it can go as long as 12 months .every day I m watching the news and reading about them getting over on consumers with false loan modifications and bank accounts and so on.I am not a bad person I just need a little help, thru out all this some wells fargo member was mean and rude .But I just prayed for everyone for better days, I prayed for myself, the wells fargo rep and the underwriting that they say keep denieding me for everything .Im stress out heart broken over the fact I may be losing my home and there s no help out here .Is it something you can do to help me? I am trying to get my credit straight and better .Because refiance I was denied .Is there any grant money out here to help people get caught upon their mortgage.I very much appreciate you and your time to read my letter XXXX thank you in advance for help .They have an lawyer and sheriff people of XXXX all ready to take my home I contact save my home, I apply for other loans to get help was denied .They people coming out to the house taking picture of my home scary my kids .this is sad. I look forward to hearing from you. 




Thanks, XXXX XXXX XXXX XX/XX/XXXX SS # XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX
Product: Debt collection

Called and stated they were filing a complaint with my county and would take me to court if I did n't pay the {$560.00} today. I requested this in writing and they stated they could not send me anything in the mail until I paid. She was not happy that I would not give any information over the phone.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XX/XX/XXXX 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

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I on behalf of the principal accept ALL RIGHTS, TITTLES, EQUITY and INTEREST. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- WELLS FARGO HAS DISCRIMINATED UNDER THE EQUAL CREDIT OPPORTUNITY ACT AGAINST THE PRINCIPAL DENYING A RIGHT TO CREDIT BECAUSE THE PRINCIPAL EXERCISED A RIGHT TO CREDIT. NOWHERE IN FEDERAL LAW DOES IT STATE A DENIAL OF A RIGHT DUE TO A FAIR XXXX XXXX SCORE WHICH IS FICTACIOUS AND NOT A CREATION OF CONGRESS. A FEDERALLY PROTECTED RIGHT CAN NOT BE DENIED DUE TO FICTATIOUS SCORE. I AM DONE DEALING WITH THIS MATTER IN GOOD FAITH FOR WELLS FARGO CONTINUES TO REPEAT ABOUT A XXXX SCORE BEING THE REASON FOR DENYING ME A RIGHT WHILE OBTAINING MY ESTATE AND SECURITY FOR ITS GAIN. WELLS FARGO WILL BE HELD LIABLE UNDER 18 USC 241 AND 18 USC 242 AS WELL AS UNDER ECOA AND THE SECURITIES ACT OF 1934 FOR SECURITIES FRAUD. WELLS FARGO YOU WILL ALSO RECIEVE A I.R.S. AUDIT UNDER I.R.S. FORM 3949a AND I.R.S FORM 211 FOR YOUR BREACH OF FIDUCIARY DUTIES. THESE UNLAWFUL ADVERSE ACTION HAS CAUSED ME MASSIVE FINANCIAL HARM AND IS INTERFERRING WITH MY PURSUIT TO HAPPINESS AS DESCRIBED UNDER THE CONSTITUTION. WELLS FARGO YOU HAVE FAILED IN YOUR TRUTH IN LENDING REQUIREMENTS AND HAVE FAILED TO DISCLOSE TO ME MY RIGHT OF RECISSION AT THE MOMENT OF APPLICATION, THERE FOR UNDER TILA THE DEADLINE TO RECIND MY ORIGINAL APPLICATION IS NOW 3 YEARS. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I HERE BY EXERCISE MY TRUTH IN LENDING RIGHT TO RECIND MY " ORIGINAL '' CREDIT APPLICATION APPLICATION ( SECURITY ) WITH YOU WELLS FARGO AND NO LONGER WISH TO EXTEND CREDIT AND DO BUSINESS WITH YOU -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- YOU WELLS FARGO HAVE UNTIL XX/XX/XXXX TO RETURN TO ME MY ORIGINAL CREDIT CARD APPLICATION UNDER TURHT IN LENDING. FAILURE TO DO SO WILL RESULT IN A SEVERE FEDERALL VIOLATION UNDER TURHT IN LENING AND MY NEXT FORM OF COMMUNICATION WITH YOU WILL BE VIA FEDERAL COURT LITIGATION. DO NOT CALL ME WITH NO RECONSIDERATION STALL TACTIC LIKE THE PAST 3 TIMES. YOU HAVE COMMITTED SECURITIES FRUAD UNDER THE SECURITY EXCHANGE ACT OF 1934 BY ACQUIRING MY SECURITY VIA CREDIT APPLICATION WITH SOCIAL AND DENYING ME MY OWN CREDIT AND WILL BE HELD LIABLE.
Product: Credit reporting

I contacted equifax on XX/XX/XXXX about the fact that they are not reporting my public federal bankruptcy number XXXX filed on XX/XX/XXXX DISCHARGED on XX/XX/XXXX they keep telling me that they can not input this information despite it being public information and on the pacer.gov website I faxed in my federal bankruptcy paperwork to equifax on XX/XX/XXXX and they have confirmed it was received. This bankruptcy information is reported correctly on transunion and experian I have called and complained numerous times as its affecting my credit report with equifax to this day. There are XXXX negative accounts showing up under XXXX XXXX XXXX XXXX XXXX that should be updated with this information as included in bankruptcy if that is n't enough these XXXX accounts WERE also included in my ex husbands bankruptcy case XXXX filed on XX/XX/XXXX discharged XX/XX/XXXX. I have also contacted XXXX XXXX at XXXX XXXX XXXX XX/XX/XXXX and he said by law this information would be corrected in 72 hours however as of XX/XX/XXXX it is still being reported wrong by Equifax and XXXX XXXX XXXX XXXX XXXX .
Product: Debt collection

I was reviewing my credit reports recently and discovered that there had been a collection placed with my 3 credit bureaus by a junk debt buyer called XXXX XXXX XXXX out of XXXX New Hampshire for some sort of medical debt. I DO NOT have an outstanding medical debts. The original debt is also listed as being from a facility that I DO NOT receive care from called XXXX XXXX XXXX XXXX in XXXX, Maine. I have sent XXXX XXXX XXXX the below debt validation request, which they REFUSE to respond do/provide and REFUSE to remove this slanderous, inaccurate derogatory item from my credit reports. My next step is hiring an attorney and suing these people for all they are worth for COMPLETELY violating my rights. 

To Whom It May Concern : I was recently reviewing my credit reports in preparation to purchase a new home and came across a medical collection account placed by your agency on all XXXX of my credit bureaus. As allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you immediately validate the alleged debt in writing. I am aware that there is a debt from XXXX XXXX XXXX, but I am unaware of what these alleged amount due is for and your collection does not include any sort of breakdown of fees whatsoever. I am fully within my right to know this information. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) of 1996 to fully protect my privacy and medical records from unauthorized third parties, such as your company. I never provided my consent to XXXX XXXX XXXX to ever release any of my private medical information to a third party. I am aware that HIPAA does allow for VERY LIMITED information about me, but anything more is to only be revealed with the patients authorization and consent. Therefore my request is twofoldvalidation of debt and HIPAA authorization.

Please provide to me a FULL breakdown of fees, including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my private medical information to you. Cease ANY AND ALL credit bureau reporting until this debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent via certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek monetary damages from your collection agency. I will await your prompt reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 

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

I am writing to file a complaint regarding inaccurate and inconsistent reporting by XXXX on my credit report. The bank has reported incorrect late payments and other erroneous information that is negatively impacting my credit score. Despite my attempts to resolve these issues, the information remains inaccurate across all three major credit bureaus ( XXXX, Experian, and XXXX ). 

The details of the issue are as follows : Inaccurate Late Payments : XXXX has reported late payments on my account that are inaccurate. I have consistently made payments on time, and these late payments do not reflect the actual payment history. This misinformation is damaging my credit report and score. 

Inconsistent Information Across Credit Bureaus : The information reported by XXXX is inconsistent across the three credit bureaus. Some bureaus report late payments, while others show discrepancies in balances, statuses, or account details. This inconsistency is causing confusion and is detrimental to my credit standing. 

Failure to Correct Information : I have made attempts to dispute this information directly with XXXX by [ briefly describe any attempts to dispute or resolve the issue, such as contacting the bank, submitting disputes to the credit bureaus, etc. ]. However, the incorrect information has not been corrected. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that XXXX corrects the inaccurate late payments and inconsistent reporting across the credit bureaus. I also request that XXXX be held accountable for their failure to provide accurate and consistent information to the credit bureaus. 

Thank you for your attention to this matter. Please contact me if you need any further information or documentation to support my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I acquired a copy of my credit report I noticed that there were two accounts listed on them. One was from XXXX XXXX XXXX ( Collections agency ) and the other was From XXXX/XXXX. I discovered they were related in that the XXXX account was closed, and the debt on the account was sold to XXXX XXXX XXXX for collections. I contacted The debt collector and told them that it was not my account on or around XX/XX/2018, they then told me to dispute the account with the Federal Trade Commission and obtain a support document to send to them. I proceeded as instructed, and the collections account was removed from my credit reports. I soon noticed that XXXX  and Experian after many attempts to get the account removed from my credit report with them, and sending the same proof to them as I sent to XXXX XXXX XXXX, after a 30 day investigation they decided it was accurate, and left it in place.
Product: Credit card or prepaid card

I have a capital one credit card and I have missed some payment back in XXXX and XXXX. I was having some financial hardship at the moment and could not make those payments. Since then, I have faithfully made all my payment as things got better for me for the past 2 years.
Product: Money transfer, virtual currency, or money service

Wire transfer of XXXX XXXX XXXX was sent from XXXX XXXX  in XXXX, Vermont in USD to my Wise USD account on XX/XX/year>. This is considered a domestic wire si

nce there is no cross currency exchange ( from USD to a USD account ). This type of transfer usually takes a few hours. Every single employee that was paid by this company has received their money, except for me, and Im the only one using Wise. Received confirmation and transaction ID from XXXX XXXX  assuring the money was indeed sent to Wise. After 3 business days and providing proof of payment and transaction ID to Wise they can not ( will not ) locate the transfer. I now do not have my pay for the month since Wise apparently can do nothing to help me, even though Ive complied with all their demands ( verified with XXXX XXXX multiple times, made sure all account numbers and bank codes were correct etc )