23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Today, XX/XX/XXXX, I called Ocwen Mortgage where we have a HELOC to understand why they reported we missed a payment. We have automatic withdrawal set up with Ocwen so tno payment would be late or missed. The automated service stated my last payment was received on XX/XX/XXXX and the next payment was due on " XX/XX/XXXX '' which did not make sense if the payment was taken. According to Ocwen all payments are automatically withdrawn on the XXXX of each month. This was also noted as the withdrawal date in our account. I spoke with the representative, # XXXX, who stated that my XX/XX/XXXX payment of {$380.00}, was not taken due to insufficient funds. Then told me I was behind on my XX/XX/XXXX payment which I didn't understand because the automated service noted they withdrew an automated payment on XX/XX/XXXX. While speaking with the representative I pulled up my bank account which clearly showed there was no activity on my account on XX/XX/XXXX and my balance was over {$850.00} on XX/XX/XXXX and over {$3000.00} on XX/XX/XXXX. Ocwen never attempted the payment on XX/XX/XXXX as agreed then stated it was my banks fault. I called the bank who stated Ocwen never made an attempt according to their records and on XX/XX/XXXX I had over {$850.00} in my account which was more than enough to cover the {$380.00}. Today is XX/XX/XXXX and my payment should come out today, as of this moment they still have not taken that money out of my account. They note in my account record the " payment due date '' and " payment received date '' as the XXXX of each month. This is not true. When looking into the issue of the XX/XX/XXXX payment, their record shows in my account it was received on XX/XX/XXXX and they did a " payment reversal '' for the {$380.00} on XX/XX/XXXX. This makes no sense. My credit score went down 100 points! Please help. I can send the account information, bank statement, etc.
Product: Debt collection

PERSONAL NOTE Dear consumer reporting agencies my name is XXXX XXXX Iam an upstanding citizen of U.S.A., Iam being held back from getting a higher paying job and an apartment where I desire to due to false information on my credit report I noticed today XX/XX/XXXX I ask please to investigate and remove false items reporting on my credit. thank you Have a Good day. 
Account information below ACCOUNT NAME : CAPITAL ONE Balance {$4700.00} The current amount owed on the account. 
Balance updated XX/XX/XXXX Date the creditor last reported information about the account balance. 
Credit limit In open-end credit, the maximum amount a borrower can draw upon or the maximum that an account can show as outstanding. 
{$4000.00} Account info capital one credit card Account number : XXXX Open/closed Date opened Indicates the date an account was opened. 
XX/XX/XXXX Account type Status Account charged off. {$4700.00} written off. {$4700.00} past due as of XX/XX/XXXX. 
Status updated Date the creditor last reported information about the account payment status. 
XX/XX/XXXX Past due amount The balance currently reported as past-due by the company holding the account. 
{$4700.00} Highest balance The highest amount that you have owed on an account to date. 
{$4700.00} Monthly payment Last payment date XX/XX/XXXX Company Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX INVESTIGATE THIS ACCOUNT ABOVE AND REMOVE OR DELETE ACCOUNT 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 ) THESE TWO LAWS SIMPLY STATE THAT ALL ITEMS ON YOUR CREDIT REPORT MUST BE XXXX ACCURATE AND IF AN INVESTIGATION IS DONE AND COMPANY CAN NOT PROVE AN ITEM ON YOUR REPORT IS ACCURATE IT MUST BE REMOVED THANK YOU
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/year> disputed via chat, because I couldn't get them by phone..Spent 3 hrs. disputing via chat 3 different individuals, 1 was even a supervisor named XXXX... the other 2 name 's are XXXX and XXXX. Nothing just left me hanging. Later that evening, last night, I finally got through. Spoke to a person named XXXXShe apologized, made a complaint and changed, updated my address and phone # she said. This morning I logged into my account to see the address information is still incorrect and no mention of my phone #. Then I received veiw emails from them ..Having problems contacting them by phone again.. I am extremely scared of identity theft. I don't like how this company goes about its business. Please help...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XX/XX/XXXX # XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX,XX/XX/XXXX XXXX BANK # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX BANK # XXXX, XXXX BANK XX/XX/XXXX # XXXX, XX/XX/XXXX XXXXXX/XX/XXXX # XXXX, XXXX XXXX # XXXX, 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Student loan

I was in school XX/XX/XXXX for 2-3months. I withdrew XX/XX/XXXX due to lifes inconvenience. Never received any disbursements from the 2 loans that appears to be on my 1st enrollment of school. I started back in XX/XX/XXXX. Through the 2yr time  period. Sallie Mae/ Navient has made numerous bad credit reports such as delinquent against my credit. Ive always had to lean towards forbearance there was no other option. My interest rate continued to go up ridiculously. I was also told when in forbearance no bad credit reports would be made against my credit. When I went back to finish school XX/XX/XXXX. Had more loans during my 2nd enrollment. Finished XX/XX/XXXX. Couldnt find a job right away. Sallie Mae/Navient continued to perform harassment. Contacting & sending my billing information to friends and family for me to pay. An unprofessional act & complete embarrassment to me. I was in forbearance again as my interest rate continued to go up again & again. Now Im dealing with paying them an awful amount of money that has been adding on my loan account. Due to forbearance, interest rates continued to climb up every time. I feel as though I am a victim of the scam & allegations Navient is being sued upon.
Product: Debt collection

Almost 3 years ago I got a phone call from a debt collector saying they were trying to collect on a delinquent account for a store called XXXX and I spoke with that agent for almost 30 minutes on the phone telling them that I do not owe. Any money at all and that they needed to send me all Account Details to validate the debt and all of the cash and credit card transactions that I made towards that card because I always paid back what I used on that card it was only at a {$200.00} limit and each time I went into the store I paid back what I owed add One online payment via their website and with the cashier that I was cleared and now all of a sudden it 's on my credit report after 3 years I find it very odd now that all of the locations of XXXX have closed and all of a sudden I am getting something on my credit report saying that I owe them {$320.00} and I said that they need to also check with the XXXX store  in XXXX XXXX Florida in the XXXX store in XXXX Florida for the Reps that I gave cash money to for my account and told me that each time I was cleared I only use the card no more than four times
Product: Credit card or prepaid card

Yes that's simple Capital One credit card I got a credit card and they cancel the thing that was fraud used on it they even sent me a letter that I'm going to send here that my credit wise and credit card was was closed but yet they haven't taken the chargers or give him my card back what I would like is my card back and all these charges to go away I will send the corresponding picture and they still won't take it off and it's on my credit report denying me everything
Product: Checking or savings account

This case is a follow-up to Complaint ID : XXXX, where the full complaint details are attached within the PDF files below. 

When calling Navy Federal Credit Union looking for a resolution, they were unable to address the concerns I had with their company and the reasons why they breached my security ... nor did they resolve my issue regarding communication directly. 

Instead after breaching my security, by letting the Co-Guardians submit papers via fax, Navy Federal Credit Union allowed the Co-Guardians to re-release held with funds from my accounts or assets at the time, and re-write the beneficiary to the Co-Guardians themselves. 

As discussed, in the previous complaint against Navy Federal Credit Union, the Federal Credit Union handled the matter internally, but did not communicate with me ... the former account-holder about the circumstances. 

I may be unable to contact the credit union based on unethical standards performed in the transaction of {$1800.00}, based on their policies ... but I have attached an authorization to release information form ... which should be routed to an appropriate party. 

As Navy Federal Credit Union is unwilling to share more information with me, and the Co-Guardians deposited the funds into a separate account, legally and specifically blocked to my access ... I would ask this secondary complaint to be submitted to them. 

In addition, since there may have been financial theft or losses, by the credit union regarding my assets or membership, which seems improper to me ... and/or other parties, I am attaching the Authorization To Release Information, signed by me to overturn their unethical decisions and release information to the appropriate attorney.
Product: Mortgage

In XXXX 2015 I rec 'd a letter stating that as part of a lawsuit my second mortgage was being forgiven by Bank of America. It was to be effective XXXX 2015. The account has been removed from my banking and I do not have access to it anymore. However, I called to get a letter of release in order to sell the property and I was told I would have to wait 30 days. I waited more than 30 days and called back. This time I was transferred to a nthe new department. This rep stated that there is a 90 day waiting period before the letter of release will be mailed. The 90 days expired XX/XX/XXXX. I called back and was advised that this letter of release could take 1 week-10 months to receive! The property is currently under contract to be sold and we can not close until this letter is filed. It has taken over a year to get a contract on this property and we do n't want to lose this buyer. If we can not close with this buyer we will be forced into foreclosure!
Product: Bank account or service

i took my parents out to dinner and to make a long story short, originally i was gon na pay by my card ... hence the swipe but i changed my mind. thats still allowed right, to change my mind right? so when the waitress came back, i had told her that i would be paying cash, where i was given both receipts and told by the waitress that the bill would be voided off at latest the following day at which point, i gave her a cash amount for the bill which was XXXX dollars and change and additional cash for her tip. at this point some days passed and i called up chase bank and filed a dispute for the amount wasnt ' voided off my debit ... at that point if you were the mediator, chase bank, it would be an easy situation to decide right? considering the XXXX by law is mandated to keep a copy of all charged receipts for a time of two years, just in case their are misunderstandings like this one. its simple, either im lying or not. if you were chase about two months later, wouldnt you of requested from XXXX a copy of my signed receipt authorizing the debit charge and if XXXX cant furnish a signed copy, then this dispute becomes easy right? what a way to treat your clients, like s.it! i have been yelled at, basically told to XXXX by chase bank. everything and anything, to tell me to buzz off and to make this complaint a wee tid more interesting, i sent via usps certafied tracking to chase hq in XXXX XXXX a copy of both unsigned receipts given to me and they still havent so much as written me a letter except when i called and got yelled at like a two year old to be told your dispute has been denied, so i go i wan na appeal, i get hung up on. its simple, excuse me XXXX in XXXX XXXX in XXXX, we want a copy of his signed authorization, oh you dont have a copy, hence two months later. 


client XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX : chase bankdebit dispute for cash payment given to XXXX @ XXXX
Product: Credit reporting or other personal consumer reports

First and foremost, I want to emphasize that my right to privacy is of the utmost importance. I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy.

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim. 

Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity-theft and have filed a police report to ensure that the fraud was reported. Some fraudulent accounts and inquiries appeared on my credit report. I was instructed to file a police report and affidavit to have these fraudulent accounts and inquiries removed from my credit report. I have filed an affidavit and police report with TransUnion and XXXX  and disputed these fraudulent items four various time. For some odd reason, TransUnion and XXXX  will not comply with the FCRA ( Fair Credit Reporting Act ), which enforces credit reporting agencies to comply with reporting accurate information on consumer credit files, but they are not reporting correct information on my credit file/report. Instead, they are reporting incorrect information, which I am highly disgruntled about. If my credit file is not updated, then my next steps is to file a complaint with the state attorney general and take legal actions and file a lawsuit with the courts. Please let us prevent all of this and just provide a resolution and remove these fraudulent items from my credit report. The Fraudulent items include : - XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Amount Reported : {$130.00} - XXXX  XXXX Inquiry Date : XX/XX/XXXX -XXXX  XXXX XXXX : Inquiry Date : XX/XX/XXXX -XXXX XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX: Inquiry Date : XX/XX/XXXX -XX/XX/XXXXXXXX XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX/XX/XX/XXXX: Inquiry Date : XX/XX/XXXX -XX/XX/XXXX : Inquiry Date : XX/XX/XXXX -XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX: Inquiry Date : XX/XX/XXXX XXXX : Inquiry Date : XX/XX/XXXX XXXX XX/XX/XXXX: Inquiry Date : XX/XX/XXXX XXXXChapter XXXX Bankruptcy : U.S. Bankruptcy Court : Date Filed : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made agreement with ClearOne Advanced with 7 accounts. I payed 6 of 7. I had problems with XXXX account because I never authorized the settlement but they took the money from my bank account until I stopped payments from my bank. 
1. XX/XX/XXXX I sent a lot email show I never authorized the settlement but they ignored me. 
2. XX/XX/XXXX They made payments to my account with settlement that I dont authorized. I sent email show issue. 
3. XX/XX/XXXX I stopped the made the payments. 
4. XX/XX/XXXX I request cancel the agreement but they made that but They took the money back and when I requested my refund the said is 0.
Product: Student loan

I am requesting the periods of XX/XX/XXXX through XX/XX/XXXX of the No bill due period be counted on all loans towards my 120 payments as I would have made a payment if they were not in Administrative Forbearance when determining the outcome of my Borrower Defense Application 3 years later. With the additional payments being counted I will reach the 120 payments required for forgiveness. I am willing to pay the loan payments from XX/XX/XXXX through XX/XX/XXXX that were in Administrative Forbearance.

Per the article here : XXXX XXXX It states the following : The Department will address forbearance steering by : Conducting a One-Time Account Adjustment to Count Certain Long-Term Forbearances toward IDR and PSLF Forgiveness Borrowers steered or inappropriately placed into long-term forbearances miss out on critical progress toward IDR and PSLF forgiveness ; this can set them back years. The Departments regulations and servicer contracts have safeguards, including a 12-month limit for any single use of forbearance, and a 36-month cumulative limit on discretionary forbearance. A review of past forbearance use shows that long-term use of forbearance was remarkably widespread. More than 13 % of all Direct Loan borrowers between XX/XX/XXXX and XX/XX/XXXX have used forbearance for at least 36 months cumulatively. These changes will be applied automatically to borrowers accounts later this year. To mitigate the harms of inappropriate steering into long-term forbearance, FSA will conduct a one-time account adjustment that will count forbearances of more than 12 months consecutive and more than 36 months cumulative toward forgiveness under IDR and PSLF. Borrowers who were steered into shorter-term forbearances will be able to seek account review by filing a complaint with the FSA Ombudsman at StudentAid.gov/feedback. 
I am requesting a one-time account adjustment from XX/XX/XXXX through XX/XX/XXXX as my loans were in Administrative Forbearance when determining the outcome of my Borrower Defense Application 3 years later as I am willing to make back payments. 
Attached is my Borrower Defense Application dated XX/XX/XXXX, emails from the Borrower Defense Department putting my loans in Administrative Forbearance and the when the application was approved XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for various accounts. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed. 

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I requested free annual credit reports from XXXX, XXXX  and Equifax. Before releasing a report, each bureau posed identifying questions that I successfully answered. Equifax, however, asked a question " which of these cities is associated with ... person X. Person X is unrelated, unknown to me, and therefore not a party to any credit account I've obtained. The N/A ( not applicable ) option was missing. I selected an answer that I presume was correct since I was able to move on to the final identifying question. 

I filed a dispute online with annualcreditreport.com and called Equifax on XX/XX/2020. Equifax referred my back to to annualcreditreport.com, denying any connection between Equifax and the questions posed at the site. I've since received a letter from annualcreditreport.com instructing me to contact the bureau ( s ) directly. 

I called Equifax XX/XX/2020 and spoke with a representative who provided ID # XXXX. I was told providing wrong information to " trick '' consumers was part of the Equifax identity verification process. I stated that I understand providing questions about me, that if answered incorrectly, would call my identity into question. I questioned why information pertaining to another would be used to trick me in the pursuit of proving my identity, and he merely stated, " that's a good question ''. The conversation was difficult and my request for a supervisor was denied. I was told my complaint citing the convoluted identifying questions asked by " XXXX '' would be forwarded, but I should not expect to receive a response to my inquiries. 

The point of the call was to seek a process that would ensure the other person 's Equifax history is not otherwise connected to mine and it appears from this call, Equifax may not have a process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance The FCRA my rights are being violated. According to 15 U.S. Code 6801-Protection of nonpublic personal information.

15 U.S. Code 6802 -Obligations with respect to disclosures of personal information. 
Once again my rights are being violated and illegal practices is taking place. 
I have not given Any company written or verbal consent to do so.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX