23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX XXXX, XXXX, I accepted a Mortgage Loan Modification Agreement from Ocwen Loan Servicing , LLC . Ocwen 's Contract Management Modifications Coordinator, XXXX XXXX, signed-off on the agreement on XXXX XXXX, XXXX. Subsequently, all of my monthly mortgage payments have been paid on-time or ahead of the due date, which is the XXXX of each month, as required. However, on four [ 4 ] separate occasions since the approval of my Mortgage Loan Modification, Ocwen has placed my account on a Trial Modification Plan and/or Forbearance, despite the fact that I have not defaulted on the agreement. In addition, I received a " Notification of Default '', dated XXXX XXXX, XXXX. Note, that each time an incident occurred I contacted Ocwen Loan Servicing LLC., to dispute the recurring problem. As a result, they would refer me to an " Escalation Manager '' and/or their Research Department to have the issue resolved. Subsequently, each " Escalation Manager/Specialist '' [ XXXX ext. XXXX, XXXX ext. XXXX, XXXX ext. XXXX, XXXX ext. XXXX ] would allegedly investigate, then resolve the issue, over a period of one [ 1 ] to two [ 2 ] months, only to have the situation recur. Nonetheless, XXXX continue to receive harassing telephone calls from customer service informing me that I have an arrearage that needs to be paid, mortgage statements that indicate my mortgage is on a " Trial Modification Plan '', and more recently a " Default Notice ''. My mortgage is clearly not in default. Payments are made directly from XXXX XXXX XXXX on the 30th or last business day of each month from my checking account, once my Direct Payday Deposit enters my account. This is extremely frustrating. Please help resolve this issue.
Product: Mortgage

Bank of America sold my account in XXXX 2016. It was never delinquent, but Bank of America reported it delinquent in XXXX 2016.
Product: Student loan

Im horrified by the lack of good information to help customers of Navient. They purposely lower payments to the interest payment amount t in order to have a forveverloan. Ive called several times over the years to get help due to financial issues and hardships after each childs birth. I return to paying like normal after each time. However, I asked what they could do and they read back the lowest payment was the total monthly interest total! I said isnt that my interest payment total? They state each time yes were able to help you lower your payment though. They purposely lead borrowers to have a forever payment. They do not tell you Ill be paying nothing into principle. ( mind you - you should know your payments information ) This is deceitful and should not be tolerated. I took this opportunity while working two full time jobs to get my degree and get a good job. I know there are millions of people who are trusting Navient to have their best interest at heart. This disgusts me! They are loan sharks. Please look into this as they are not practicing ethical behavior.
Product: Student loan

My balance never seemed to go down only up. Too much interest. I do n't make enough to make a payment and support my family. Too many calls harassing about missing payments but never got a a call when I made a payment. The loans are more of a burden on me than anything that 's happened in my life. My education seems like a joke to have to be repaying all this money that in the end keeps on adding up and not decreasing. I have never been able to get a good repayment plan or help on getting smaller payments. The interest is the only thing that I feel that I am paying and not the actual loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shows a hard inquiry on my credit report that I never done. It was for CB Indigo on XX/XX/2022. I called them directly and told me it was going to be removed around XXXX and never went through.
Product: Debt collection

I received notification on XXXX XX/XX/2022 from XXXX that my credit score dropped XXXX points due to overdue unpaid debt. XXXXXXXX XXXX email stated the debt was reported by America First Credit Union. I called America First that same day as I have never had an account with them. I spoke to XXXX, and told her that I never had an account with America First. Finally, after a lengthy call, XXXX told me that they had a picture of my drivers license and asked me if I knew a XXXX. I told her that I don't know any XXXX. I then said what do I do next and she said report it to the FTC. This, I am asking for your help to resolve this. Thank You Very Much.
Product: Debt collection

Validated with the lab that my insurance will cover the XXXX XXXX. No Co pay or deductible was requested. 
The lab billed my insurance company, and my insurance company paid out the claim. 
The lab company then proceed to bill an additional {$750.00} for just simple XXXX XXXX. This is outrageous. My credit history is clean, I pay everything on time - always, but I will not be paying for highway robbery. Please remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.15 U.S. Code 1681i states I have the right to my privacy it also states a consumer reporting agency can not furnish a account without my written instructions. Code 1681s 3. 15 U.S. Code 1681b 4. 15 U.S. code 1681 a a person shall not furnish any information relating to any consumer reporting agency if the person know or has any reason to believe the information is thus inaccurate I ask that the accounts listed below are fairly removed from my credit report since the information is incorrectly reported. 

Before doing so i would like to state that the Name XXXX XXXX XXXX Is not my name! 
My name is XXXX XXXX and only XXXX XXXX The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bills Bankruptcy XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Considering the fact that this information is Incorrectly reported on my credit report I ask that it is removed. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank went through a system update in XX/XX/2022 and since then, have not reported my credit info to the credit bureau. I paid off my balance and unfortunately this is not getting reported to the credit bureau, impacting my ability to get a mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection/charge-off in the amount of {$690.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, this account is well over ( 7 ) years old and second, I have not had a XXXX account since college which was many years ago. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

Company put a hold on my account because I purchased an XXXX. 

Resolving this hold required a massive amount of personal data to be mailed unsecured to a XXXX XXXX XXXX I requested a secure portal instead. The company ( After two weeks ) was incapable of making this work. 

When I requested to close the account, the company refused, locked the account and hung up on me ( twice )
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request I am a victim of XXXX and the information listed below on my credit report is a result of that XXXX XXXX  Account Name : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} Account Name : XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} Account Name : XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8100.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Thank you for your prompt attention to this urgent matter.
Product: Mortgage

Wells Fargo continues to charge the PMI on my mortgage even though I asked to have it re-evaluated due to my home being past the 5 year mortgage term and having enough equity. They said they only do that if I refinance. It was said that the PMI was to adjust itself. I also think I was charged fees for when I asked for XXXX relief that should have not been charged. The XXXX relief process was not explained and I ended up paying a large lump sum after the 3 months was up. Im general I think Wells Fargo is not helping mortgage clients.
Product: Bank account or service

I am a victim of identity theft through mobile app from banking with Bank of America with XXXX checks deposited in my account of fraud that i have no idea of why were they deposited into my account and the Bank of America immediately located me and closed my account so now I am not able to get another account with any other bank and I just do not think that Bank of America handled my situation in a great matter because It has been over one year now and I am still not able to open another account with any other bank and other banks want to but Bank of America sent me in under the XXXX which XXXX is willing to remove the notification after the investigation that I had but Bank of America is being very rude due to the fact that I am not guilty of this situation and it is hurting me because other banks wants to help me.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration to follow up regarding the presence of fraudulent items on my account, despite my previous attempts to address this issue. This letter serves as my second formal complaint regarding the matter.

Despite my previous correspondence and efforts to rectify this situation, the fraudulent items remain unresolved. I have taken all necessary steps outlined by your company, including contacting your customer service department, submitting dispute forms, and providing any requested documentation.

I urge you to escalate this issue internally and allocate the necessary resources to conduct a thorough investigation into these fraudulent activities. Additionally, I request regular updates on the progress of resolving this issue and expect transparency regarding any findings or resolutions reached.

Failure to address this matter promptly and effectively will leave me with no choice but to explore alternative courses of action, including seeking assistance from relevant consumer protection agencies and legal counsel. With this, I am asking for your assisstance to remove these fraud 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 Balance : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) BalanceXXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : {$0.00} ; XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XX/XX/XXXX ; DEPT OF ED 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 XXXX XXXX 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 : {$0.00} ; XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX  Balance : {$9000.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$4000.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I bank with Capital One and as of XX/XX/year> my direct deposit have not been issued to my account due to an " outage ''. 

It is XX/XX/year> and I still have not received my salary to my account!
Product: Checking or savings account

I'm being charged by XXXX and an electric company when I have not even had any services and I do not have a stable home so this does not make sense to me you can reach me via email for now at XXXX thank you
Product: Bank account or service

I am a student at XXXX University in XXXX. I am originally from XXXX. In XXXX my debit card was stollen. There was a charge of {$73.00} on my account to XXXX. XXXX is a XXXX website that does not have any contact information. Bancorp South reimbursed my account three days after. In XXXX XXXX responded saying that I was a Cardholder since XXXX and provided a fake name and address that did not match anything the bank has for my account. XXXX XXXX while I was home in XXXX break Bancorp South sent me a letter stating that I would have to write a rebuttal letter by XXXX XXXX, XXXX in order to receive my money back. I returned to XXXX Monday XXXX XXXX, XXXX and received this letter Monday XXXX XXXX, XXXX. The bank has withdrawn the reimbursement of {$73.00} because I did not respond by XXXX XXXX, XXXX even though I did not receive any notice until XXXX XXXX, XXXX. They will not return this money.
Product: Debt collection

MCM has been using harassment and intimidation to collect a debt I do not owe. 

MCM should be investigated.
Product: Credit reporting or other personal consumer reports

Remove hard inquiry from XXXX XXXX XX/XX/2023 XXXX
Product: Student loan

I am writing to address a critical matter concerning the presence of inaccurate accounts on my consumer credit report, which have been reported by Great Lakes. It has come to my attention that these accounts have never been properly validated, infringing upon my consumer rights. I demand the immediate removal of these accounts from my consumer report, as their inclusion violates my rights and is causing severe damage to my reputation and financial well-being. 
The reporting of inaccurate information on my consumer credit report by Great Lakes is unjust and has resulted in denials on credit applications, as well as significant harm to my financial standing and reputation. It is imperative that you rectify this situation by removing these accounts from my consumer report without any delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My name is XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the credit bureau do a verification of all information they were reporting on my credit report and they did so and states in written that all information was correct but upon further inspection I did a thorough search and discovered that indeed the credit bureau '' s had not done their due diligence and were indeed reporting inaccurate, and incorrect information on my credit report even after they stated that they had done their research. I looked into the matter and found these following accounts on my report which are as follows : XXXX Acct Number XXXX, as well as these accounts which are XXXX XXXX Acct Number XXXX, XXXX  XXXX XXXX, the information is not cohesive, the dates are all over the place, the name on some of these accounts are similar to my name but incorrect. So I was digging I came across some of the laws that govern how these companies are to behave which is that in accordance with the Fair Credit Reporting Act XXXX  Account # 's XXXX, XXXX, XXXX, have all violated my rights. Also 15 U.S.C. 1681 Section 602 A clearly states that I have the right to privacy.

Also 15 U.S.C. 1681 Section 604 A Section 2, States a consumer reporting agency can not furnish an account without written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE : XX/XX/XXXX DEAR DISPUTE DEPARTMEN, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formalescalation in the appropriate courts of law should the need arise. 

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a handwritten letter to Equifax for a dispute of 4 collections that were on my account. In that request I asked them to fully verify the disputed items within 30 days and send me an updated copy of my credit report once the investigation is finished. They only sent me and updated copy of my credit report and said that the accounts were verified with no actual proof of it. On XX/XX/2022, I sent in another letter to Equifax a for a dispute of the 4 collections that were on my account. In that request I asked if they can provide the original contracts for the items that I previously disputed for, fully verify the items, and to please deleted the account that they can't provide the original contracts for. I haven't received an update or anything about the investigation from Equifax. XXXX sent me an updated stating that they deleted an account with an updated credit report but they didn't provide me with the contracts that " verified ''.
Product: Debt collection

Good evening For the last month or so, a company has been calling my phone at least 2 times a day. The name of the company is Portfilio Recovery Associates. They call from different numbers and then doesn't want to identiy themselves. I dont have time for the harassing calls. You block one number and they call from another.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ) XXXX XXXX Federal Trade Commission Consumer and Governmental Affairs Bureau Consumer Inquiries and Complaints Division XXXX XXXX XXXX, XXXX. 
Washington, DC XXXX Re : XXXX XXXX Plus Four ( Refuses to accept any correspondence or delete the discrepancy ) To whom it may concern : I am respectfully requesting an investigation be initiated on my behalf on the above-mentioned company, specifically Plus Four Inc. I have on numerous occasions sent correspondence, thus was refused by Plus Four Inc., made phone numerous telephone calls to both of the named companies and they continue to report false information on my credit profile. 

I have been continuously harassed by this company as they are trying to collect on a medical bill when I had medical coverage on the dates of services they have provided. My Health Plan Insurance provider has also been in contact with the initial medical provider, and thus as per the attached correspondence the medical provider has noted a {$0.00} balance on my account. 

Plusfour has been notified on several occasions from the original creditor to delete any and all discrepancies and they have refused to do make ti proper corrections/deletions to date. 

Although, I have continuously informed the referenced collection agency of this they continue to harass and demand payment and refuses to accept any of my written correspondence or the direction from the original creditor, XXXX XXXX. 

I have also written all three credit bureaus, and XXXX, has been the only agency that refuses to accept my evidence and delete from my credit profile. 

I am hopeful that you can assist in getting this resolved and removed. I thank you for initiating this claim and taking the time to assist me in rectifying this issue. I would also like to initiate and exercise my rights to collect the fees ( {$1000.00} per occurrence ) as per the FCRA of not removing when I first requested on XX/XX/2019. 

Regards, XXXX XXXX XXXX cc : XXXX XXXX PlusFour Inc. ( Refuses to accept any correspondence )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a fraudulent account using my name/SSN/other personal information was opened. I immediately closed the account and at XXXX XXXXXXXX XXXX recommendation, contacted XXXX to place a fraud alert on all XXXX major credit bureaus. I wish to remove this fraud alert since I instead froze my credit at all XXXX bureaus. I was easily able to remove it with both XXXX and XXXX. 

I spent hours the week of XXXX XXXX trying to make contact with Experian. I tried the online self service center ( click " remove alert '' ), which indicates that my request can not be processed each time I try. I tried submitting via their online document upload and also repeatedly received errors in submitting my information. I have called over XXXX times and keep getting put through the self-serve automated system only to eventually deadend even after indicating that I want to remove a fraud alert- it will repeatedly ask if I want to add an alert and eventually disconnects. I tried asking for a representative but the auto system indicates that a call can only be transferred for specific reasons and then it goes through the auto system again and eventually deadends. Pressing zero also ends in the line being cutoff. I did go online and checked for their chat service, but status has been unavailable each time I checked this week. There is no email contact listed for consumer queries. 

I just want to request the fraud alert be removed from my Experian credit, but I can't make contact in any way to achieve this.