23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> at XXXXXXXX XXXX, I checked my credit report and saw that the XXXX account had been charged off. Here are notes from XXXX to XXXX of 2023. 

XXXX 1- Did not provide information about account being closed during the pandemic.

2- Did not offer a settlement.

3- Did not notify of charge off XXXX XXXX XXXX XXXX Track America ( Company account was sold to ) Called XXXX and spoke with XXXX ( XXXX ) to inquire about account being closed and charged off during the pandemic. No one was able to provide me with information after being transferred several times.
Product: Money transfer, virtual currency, or money service

Discover Card in XXXX NC made an UNAUTHORIZED DEBIT from my checking account on XX/XX/19 for {$100.00}. The last time was was authorized 17 months prior to this debit. I stated at that time this was 1 time and 1 time only!!! If they ever did this again I would report them. {$79.00} in fees later. I need them to refund the {$100.00} plus the {$79.00} plus a pain in the XXXX fee {$50.00}. 

If I have to close this account like a friend had to { yes it was Discover } because of this fraud the fee goes up to {$250.00} and whatever penalties you slap them with. 

For whatever reason they think a check by phone is whenever they feel like it. I am on EBT and doing the best I can ifinancially. I told them after I shut down the credit cards I would pay them what I could to pay off the balance. I have not lied to them or run from. 
Trying to find affordable housing, a job, education oppertunities has been difficult enough with out takin time to run around and take care of going to the bank twice, going to a vendor twice, multiple calls ect. 
I did not need or want this XXXX. 
2nd submission got no response to the first one.
Product: Debt collection

I want this company to Cease any communication and NEVER contact me again. I'm XXXX with other health issues so i don't need any of their UnNecssary XXXX  or XXXX  i've endured on my health including having an XXXX XXXX. It should be against the Law for any debt collection company or any company to call use scare tactics, threats, and abuse a XXXX person over the phone for an account from 20 years ago then when you tell them you filed Bankruptcy they become vulgar and nake threats the way these people talk the way they did to me and i had every right to defend myself and i was provoked in saying the things i did. On XXXX i received a call from XXXX XXXX. The first person i spoke to said he was calling about a credit card debt for XXXX XXXX who isn't in business anymore. I told him i filed Bankruptcy a year ago he then told me i was Lying and i don't pay my bills and i didn't include them in my Bankruptcy. I told him to give me their information yet he refused. I then asked for a supervisor who was even worse and he wouldn't give ne his name or their address and he in fact told me i was Lying about the Bankruptcy and i told him i never even heard of their company then he became very Vulgar telling me i'm Lying about getting their letters and i know i got them so i need to tell the Truth. Then this so called supervisor told me i don't pay my bills and i informed him the debt he is calling about is way past the Statue Of Limitations from 20 years ago and i need to pay my bills. He wouldn't give me his name or their address then he continued to make vulgar comments telling me i'm Lying and i know i got their notices he even claimed i never included them in my Bankruptcy and i informed him their company have never been on my credit reports he then tells me if you paid your bills you wouldn't have filed Bankruptcy. The third XXXX i spoke to was very rude as well and he refused to give me his name or their address. He told me when i get home call and give me my Bankruptcy file number and told me if i filed i would know the case number and i told him if they were a Legitimate debt collection agency they would know they can't just talk to people any kind of way or make threats to you or about your credit report and any company like XXXX XXXX need to be shut down. I also would like to know how i can take Legal Action against them.
Product: Student loan

I am confused and Nelnet has misleading information. I went from Great Lakes to Nelnet and I am still lost. When I log into my Federal Student Aid account it shows that I have a payment of {$0.00} due on XX/XX/, but when I log into Nelnet it shows that I have to make a payment of {$420.00} due on XX/XX/. 

I am enrolled to get my XXXX, but I am not going to be able to afford it as I live paycheck to paycheck and now I have an extra payment of {$420.00} per month.
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. 

XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Debt collection

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, XX/XX/1970, 84 Stat. 1128. )
Product: Credit reporting or other personal consumer reports

Under the doctrine of the estoppel by silence, engelhardt v gravens ( MO ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please remove my hard inquiries from my credit report. I been asking equifax to remove them.
Product: Debt collection

This company keeps calling and texting me saying I owe a debt that I do not and that was the result of identity theft. I have ask this company to stop contacting me I dont Know how they got my information.
Product: Mortgage

Ocwen loan servicing , LLC bought my mortgage from indymac bank about 5/6 years ago. I had paid the months mortgage to indymac as the Ocwen letter was received mid month of the date of loan sold. My first mortgage, XXXX mortgage statement from Ocwen did not reflect the payment made to indymac. 
I called indymac first to find my payment, the number was directed to Ocwen. I have never been able to contact indymac since before my loan was sold. So I spoke with Ocwen and explained my payment went to indymac and why, I gave them my check number and bank proof payment was made. The response was " sometimes it takes a few. Months to receive, do n't worry about it ''. 
My XXXX statement still reflected XXXX payments due and late fees. I called again. This time no one could give me an answer. 
I fought Ocwen over this payment until I was hospitalized an went through XXXX XXXX..as I was able to regain my strength I started calling again, as I was trying to do a HARP OR HEMP on my loan. 
In XXXX the loan was sold, I had no longer knew where the receipts were as I was not in a position to track them as I had other people cleaning my home as I recovered..yet I had sent proof in the XXXX month.. 
Ocwen has never removed the fees or gave me credit for the payment I made. I can have the bank research the payment and will, at Ocwens expense at this point. 
Ocwen stopped reporting to the XXXX major credit agencies, I was actually able to have XXXX agencie contact Ocwen with me regarding the matter..Ocwen openly stated to the credit agency they only had been servicing my loan for 6 months XX/XX/XXXX. I had years of proof payments were made to Ocwen long long before, such as XX/XX/XXXX, and asked for aa supervisor ... the supervisor stood by the 6 month story even with proof I 'd made years of payments. ..I noticed that none of my payments had been reported for years, yet none were late. I did notice on my year end escrow statements, all my payments were made. I have now started to receive default papers after trying to refinance, but the loan processer was telling me Ocwen was refusing and holding up the HEMP, HARP, I do n't remember which. 
My escrow statements show payments made on time as I mentioned, now my homes value has almost doubled and Ocwen is blocking me from refinancing my home and keeping my credit score from the good points it should receive. 
I did receive a XXXX intrist form from indymac AND last years Ocwen XXXX had a different tax ID number on it. I did n't notice this until reading a fraud story regarding Ocwen. I 'm in an intrist only loan at 7.7 %, trying to get down to a 4.2. % 30 year fixed. 
I can have the bank research the payments and will if need be..but their straight up lying of such things as servicing my loan for 6 moths must end! They openly lied to me and a credit reporting agency.
Product: Debt collection

I received an email from XXXX  stating my account had been sold off to Global Trust Management. They are located in XXXX, FL. 

They called me in XX/XX/XXXX at my work location. I did not record the date as I didn't realize they were going to call me back. They left a voice mail on my phone and another employees phone stating they were " XXXX XXXX and they have something for me and to call them at XXXX ''. The number they called from was XXXX. 
I didn't return the phone call. The next day XXXX XXXX called again and I answered and advised I could NOT receive personal phone calls at work! I hung up. 

XX/XX/XXXX bw XXXX-XXXX - received yet another phone call from them at work. Advised I have already told someone I can't receive personal phone calls at work. and disconnected the call XX/XX/XXXX -  XXXX. Received a call that went to VM. The vm was from a " XXXX XXXX '' looking for my location and left the return number of XXXX. The number on the caller id was XXXX. They are obviously spoofing local XXXX numbers to call me from and leaving a call back number to the XXXX. 

XX/XX/XXXX - around XXXX Received a call from " XXXX '' from same location looking for me. Advised this person I cant take personal calls at work and I have advised them of this repeatedly. She stated she would code my account correctly and harassed me for a phone number. I told her I didn't have one as I can't afford it right now. I told her to mail me something if they need to contact me. She stated they mailed a letter in XX/XX/XXXX, which I did NOT receive. I have yet to receive any mail from this company. She confirmed she does have my correct address. She stated that legal action is about to happen and they can save me money and hung up.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing frustration and disappointment with the outcome of my second attempt to remove fraudulent items from my credit file. Despite providing comprehensive documentation and diligently following the necessary dispute procedures, the fraudulent entries persist on my credit report, posing a significant threat to my financial well-being. 
I am deeply concerned that despite my sincere efforts to rectify this issue, the fraudulent items persist on my credit report. This situation has significant implications for my financial standing and security, making it imperative to resolve this matter promptly. 

I kindly request the following actions : A thorough and immediate reevaluation of the documentation provided in support of the dispute. 
Removal of the inaccuracies associated with the fraudulent items from my credit file. 
Clear communication regarding the resolution and the steps taken. 
I have attached copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : 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 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 or other personal consumer reports

Good morning dear in XXXX XXXXXXXX XXXX I find it in my Equifax report some account from XXXX XXXX last XXXX XXXX XXXXI dont applay for this account it was the identity theft I don't recognize this account, this account is fraudulating is come up in my credit report and still over there.Please help me for remove that.
Product: Credit reporting, credit repair services, or other personal consumer reports

as i was reading my consumer rights i saw that the bureaus have 30 days to respond to my disputes. I sent a letter on XX/XX/21 and i have yet to hear from them and it has been past 30 days. This is a direct violation of FCRA and my consumer rights. I demand these accounts are deleted. 

I have attached proof of address and license.
Product: Credit card or prepaid card

I have serious concerns that TD Bank ( the Company ) is not adhering to the Fair Credit Billing Act, as it relates to my rights to a timely, accurate, fair, transparent, and equitable dispute process regarding fraudulent activity on my account. 

The Company is also failing to acknowledge and directly reply to my inquiries and requests for information on this matter. I have made several attempts, and spent hours of hold and phone time speaking with the Companys representatives, but have received nothing that could be considered responsive to my original requests for information, which has been pending for almost 2 months now. 

Please see detailed documentation of my complaint, attached.
Product: Prepaid card

I have followed ALL the steps given to me by the issuer and STILL CANT USE THE CARD. They asked for information about minor children in order to release the funds and even when I provided the information for an adult both by phone and on their website the card would still not work. I believe this is a scam and the bank has intentionally made the card useless in order to steal money from consumers. This is the SECOND card gifted to children that is faulty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter 30 from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and XXXX is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to XXXX. XXXX reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as XXXX took over the account XX/XX/XXXX. With interest, XXXX is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, XXXX, Equifax and XXXX. They have all refused to remove this account from my credit reports. They can not be requiring XXXX to prove the {$30000.00} in loan as XXXX can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have XXXX provide copies of loan contracts that I signed both to me and to the credit bureaus. XXXX has not provided me with one lender signed loan contract. I am requesting that you mandate XXXX correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If XXXX can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my XXXX account as a straight principle payment. XXXX, with XXXX stated today ( XX/XX/XXXX ) on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include XXXX.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report and I would like them to be removed.
Product: Vehicle loan or lease

Step 1 : What is this complaint about? 

The Complaint is with Ford 's Credit Dept. A.K.A ( XXXX / Internal name ) and Agent XXXX, who is in charge of an account. 

Step 2 : What type of problem are you having? 

Since Covid 's National pandemic started, I have communicated with Ford. I am a XXXX senior veteran, Also my wife 's caretaker and also XXXX. XXXX does have a 6-month extension program that helps its clients, through Ford Credit to prolong the lease, in the event a hardship occurs. Prior to Covid, I had 4 hardships used and are documented on Ford 's Internal system. Although grateful, and through the pandemic, I used my last 2 extensions. which an aggregated fee is charged by Ford Credit to exercise the option given. But during the Pandemic our monies were depleted because our main income came from hosting XXXX exchange students through the U.S. Department of Education in Washington D.C. So we did fall behind again making it tougher for us to stay afloat. 

Step 3 : What happened? 

I did receive a letter in the mail ( monthly billing statement ) that I was behind, close to {$1600.00} - {$1600.00}, Although we are doing the best during this Pandemic and living in the 3rd highest Covid cases in XXXX County, Upon calling Ford to notify them that I am unable to pay through their Account Manager Credit portal, I was transferred 3 times until a whippersnapper named XXXX answered. Upon our dialogue, he aggressively in an intruding like form started asking questions that are not protocol when attempting to make a payment, he asked, " who was XXXX XXXX  '', I asked him what does that have anything to do with me paying for the cars past balance, he aggressively continued to probe in an interrogating matter. He then asked me for a phone number, I gladly gave him my wives and he went on a hunt like manner and questioning every answer I gave using reverse Psychology as if we have committed some crime. I told him I would call him back and never did because I felt he went too far and disrespected us by blocking us to resolve the account with close to full past due payments. 

Ford Credit is the company I would like to pay XXXX to come current, but their account manager online portal payment tab is not available on my account because they have XXXX it and are causing further hardship on us seniors during the Covid Pandemic. if someone can email us with the proper instructions to pay the past due without getting interrogated would be appreciated. XXXX XXXX would be turning on his grave if he heard how we were treated. being XXXX customers since XXXX  I now will be looking into another foreign company that treats its Seniors with dignity.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 
I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XX/XX/year>.
Product: Checking or savings account

TD Bank has restricted XXXX from linking my account. They originally did it with my debit card but will not allow me to link my bank account. I need to have this linked in order to withdrawal funds and they put me in a stressful position. They have restricted this with another website as well.