23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Barclay card is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). The account in question ends in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on Tuesday XX/XX/2021 starting at XXXX XXXX XXXX regarding unauthorized inquiries that have appeared on my credit file through the last 2 years ( XXXX ). Each representative that I spoke with and the supervisor were unwilling to help me.
Product: Student loan

In early XX/XX/year>, I talked with a career coach from XXXX who was surprised to hear my graduation date was not updated with Mohela and my payments were not being deferred while I was still in school. I was not aware that a graduation date update could even be made with Mohela until this conversation. 

My private student loan has a 21 month period where payments are {$150.00} minimum while I build experience in my profession with low pay, which is intended for after graduation. After the 21 month period ends, my monthly minimum payment is about {$1500.00}, so deferment is a big deal as this amount would be more than half my monthly income during the latter part of the 21 month period. 

On XX/XX/XXXX, I had Mohela email me the necessary information for a graduation date update : Student Name, Students Loan ID # or Last 4 SSN, Original Graduation Date MM/DD/YYYY, New Graduation Date : MM/DD/YYYY, Is the student enrolled at least half-time or more?, Reason for graduation date change, and Signature of School Official. It took my school a while ( XX/XX/XXXX ) to get together a letter with that information. The letter had all of this information that Mohela requested, but they are now telling me that my graduation date change has been declined because it's missing necessary information ( that is there ) or the information is not formatted exactly as they have requested ( the new graduation date was in the body of the letter ). 

When I contacted them today XX/XX/XXXX for what information was missing, they emailed me the same list of required information which completely matches the previously provided information and is all present in the letter my school provided me. 

I asked them to resubmit the graduation date today because it has all of the information requested, but I was told it was already denied so nothing would be done. 

Claiming that the formatting of the letter the school provided the information in is an unreasonable burden on me, creating pointless delays and discouraging me from properly deferring payments while in school.
Product: Credit reporting

The website is totally inconsistent. I easily obtained credit reports from XXXX and XXXX but Experian will not process my online request and will not let me resubmit the request. I have no idea of how to dispute this with Experian. They should be required to have a live customer service number.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Ocwen has been sending foreclosures and adding deceptive fees and not accepting payment and then putting me on a foreclosure notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fallen victim to identity theft, and I am submitting this complaint regarding the presence of fraudulent information in my credit reports. The following items are not associated with me, and I have neither received any funds, goods, nor services as a result of identity theft, nor have I authorized them. The XXXX, Experian, and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC Sections 1681i, by persistently reporting unverified information without providing any proof within the legally allotted time. This reporting is unauthorized. Please find below the specific items that are being reported on my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. The fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit.
Product: Credit card

I recently received credit card that I did not apply for. It is reflected on my credit report with a balance. I have never applied for this card and have not visited this store in almost a year. XXXX sent a card to me and its not mine. It is even under my maiden name vs my married name. They wont answer my calls to remove it or cancel it.
Product: Checking or savings account

I submitted all requested documents to open an estate account under my father 's, the deceased, name. Despite notifying them that not only was I counting on these accounts to pay for food, gas and other essentials, Bank of America continued to take a hard line and are still keeping the money in my father 's accounts from me. 

Three days later, I called Bank of America again at one of their corporate offices, they claimed to not have one of the documents I provided in person, on Monday, the morning of XX/XX/2021. On Monday, the banker at Bank of America claimed it was too much money to open so soon. One of the accounts had only {$1000.00} in it. Bank of America then claimed they had to open them all at the same time, today on the phone, Friday XX/XX/2021. 

The banker at Bank of America at XXXX XXXX, told me it would take a week to set up an estate account. At XXXX XXXX XXXX, they were ready right away and they were surprised it took so long to approve the transfer of my father 's bank accounts into an estate account. They said they could approve withdraws numbering the amount in each of the three bank accounts and the two CD 's, either separately or all at once. 

Therefore, I provided all required documents and Bank of America would not comply promptly in either opening an estate account under my father 's name with me as the executor of the account or in allowing me to open an estate account at another bank. I do need the money for gas, and other essentials. The will has been probated and I am approved as personal representative as of XX/XX/2021, yet Bank of America not only continues to not approve the opening of an estate account under my father 's name, but will not show any compassion and open one of the smaller accounts and CD 's so I won't starve, be stranded or be without other essentials.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. Send email stating they did NOT receive mortgage payment when the company was called called regarding emails company employees responding to concern state that they NEVER received XX/XX/XXXX, payments and more. 

Our bank XXXX XXXX XXXX  was contacted regarding the payments showing that in fact NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXXDID receive payments, however NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. Falsified where they posted the payments to falsified statements they quote ' NEVER RECEIVED PAYMENTS ' regarding our VA mortgage account After you log in to their web page i.e., et al., etc., https : //signin.newrez.com/signin/myaccount AFTER you make payments states ' Congratulations ' YOUR PAYMENT WAS RECEIVED however the company NEWREZ LLC DBA , SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXX XXXX XXXXXXXX. Never posted correctly on account and list the mortgage payment and escrow payments as quote ' SURPLUS ' after sending numerous emails alleging never got payments in XXXX alone the folling payments were made XXXX accounts XXXX myself XXXX my daugthers paid to AFER sending emails they never received payments NEWREZ LLC DBA , SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX NEWREZ-SHELLPOIN HIST RTN XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} XX/XX/XXXX NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} XX/XX/XXXX NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX XXXX XXXX XXXX {$870.00} - - - XX/XX/XXXX NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} ESCROW ADDITIONAL PAYMENTS XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX XXXX XXXX XXXXXXXX XXXX {$230.00} XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX XXXX XXXX XXXXXXXX XXXX {$200.00} After you click links on their web page under payments it listed payment as quote ' SURPLUS ' same issue with escrow payments not being posted accurately to account same with escrow payments AFTER receiving notices from company that they quote need payments for escrow the loan is FULLY AMORTIZED VA LOAN, and more issues regarding mortgage fraud on behalf of this company https : //signin.newrez.com/signin/myaccount , NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX.
Product: Payday loan, title loan, personal loan, or advance loan

The last date I was able to make a payment to my account was around XX/XX/XXXX. I have not been able to access my account and profile since XX/XX/XXXX, or since I updated my cell phone number and email. Since XX/XX/XXXX, I have been lied to from Affirm Representatives about when I would have access to my account. On XX/XX/XXXX, I was informed by an Affirm Supervisor that I would be able to access my account by XX/XX/XXXX. I can not access my account today. The Supervisor I spoke with today said it could take an additional 3-5 business days to access my account with my updated information and to make a payment. I sent an email to the CEO of Affirm today which states the following : Dear CEO, I am very displeased with the way your Affirm Representatives have handled me gaining access back into my Affirm account. 

I changed my cell phone number around XX/XX/XXXX, and updated my Affirm account. Since, I have not been able to gain access back in to my account. To make matters worse, someone elses first name, last name, account purchase history, and email address was showing in my account with my new number. 

I have called and spoke with an Affirm Representative and/or Supervisor almost every single day regarding this matter with no avail. Most of them seem untrained and have no clue as to what is going on. I have sent the front and back copy of my drivers license and I have taken a photograph as required by your system in order to access my account. 

I am concern with intentional identity theft at this point in the process. 

Please assist with this matter, and advise on how to move forward as soon as possible. 

Sincerely, XXXX XXXX XXXX If I am unable to make payments to my account due to their database system issue, then I should not be held liable in any way.
Product: Checking or savings account

On XX/XX/2020 I used an atm and atm said transaction error or something and did not dispense any money but still still charged my account XXXX $ I called the atm company they said dispute with bank so I called and filed a Dispute with my bank indi and now there saying I get no provisional credit even thuu I go its been over 10 buisness days they say there waiting for the response of the merchant which I thought is what the credit was for was for consumer to have access to there money back while waiting for the response and I thought was mandatory if not sorry Im wrong there saying it could be 90 days until I get my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX- XX/XX/XXXX, XXXX - XX/XX/XXXX, EQUIFAX MORTGAGE SERVI XXXX XX/XX/XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/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
Product: Debt collection

XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA
Product: Payday loan, title loan, or personal loan

I am a Regions Bank customer ; I was regularly receiving emails about opening a personal line of credit. The emails said I was approved for the line of credit, it was only a matter of how much they would lend me. I applied for the line of credit one day, the representative told me in a couple of hours I was approved for {$10000.00} and what account would I like the money deposited to the next day. The next day came, nothing was happening. I called and nobody at Regions Bank had an answer. Finally, after a few days a supervisor of the personal loan department said the person I spoke to had made a mistake and that certain credit cards would need to be paid off with the money. I declined to do this. A few months went by, and I inquired again. I went over what happened before, submitted an application, went to the bank branch to sign the paperwork. This time I was denied credit saying I had too much debt to get a personal line of credit. I called the branch manager to say the ad looks like it is a matter of how much money they will loan as I am Pre-Approved. She never got back to me. Now my credit score is lower because of two credit inquiries and I have no money to restructure my debt. The emails are deceptive from Regions Bank is the basis of my complaint. They say you are pre-approved when you are not really. An XXXX does not absolve Regions Bank of the deception in the tone of the email advertisement. It is fraud.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.they informed me that recovering lost funds was impossible and tracking these transactions was unfeasible.The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit card or prepaid card

In XXXX I added my husband to my card They sent me a card for him. In XXXX he was flagged as fraud after buying gift cards for the kids. He called the credit card company it was taken care of and XXXX of the XXXX cards went trough. The next day he went back to buy the second and sure enough was flagged again this time restricting the use of our card. He called and he told them it wasn't fraud it was him. They said it would take 5-7 business days. He called for XXXX weeks after seven days and was told its in the fraud department, they will get back to you, we know nothing about this. Talked to a supervisor and he said this isn't right can you call back in 5 days he did, Got another supervisor same story. Finally he had me call as I'm the primary. They said the same thing to me. I asked for a letter, as did he, to explain the reasons why are card is restricted, they sent us nothing. Fast forward to today, I talked to a manager he asked for a copy of my social security card, drivers license and utility bill. To prove who you are. I told them I pay the bill every month through my bank account, you sent me this card, why would you need more. Sorry, I need all three forms of proof. ( yet you can Vote without ID ) Then asked for a bank statement. Well my husband being a XXXX veteran with XXXX and former law enforcement, Had enough and said no, to all that and said to just close the dam account and never do business with capital one again. This is disgusting. They should at least of sent us letters with answers and have a place of contact at the level it was escalated to. They did nothing but say we can't help you on this level, fraud will contact you. Well fraud never contacted us, the only fraud going on here is capital one venture card. My husband has his own capital one savor card that wasn't restricted, go figure We pay our bills every month and what they are doing is criminal as far as we are concerned.
Product: Checking or savings account

In 2018 I received a call from Navy federal saying I had fraud on my account and that I would receive a form to my email to fill out and email back I did and switch 2 months my accounts was closed I was then told they never received the form so I went into the bank to fill out the form and still nothing happen with the. Past 5 years I fill out this. Form over 40 times and. When calling or going the back I am told they dont have the form to fill out again in the meantime I had a lawsuit go into said account I had. 1 checking account and 3 savings account in which 2 was saving open for my children this has cost me so much pain my XXXX XXXX XXXX account was closed without any notice nor expansion my XXXX XXXX  just disappeared it like I never opened the account Someone is using XXXX to defraud me the answer the phone like their government agency and the Bank just the other day I called XXXX XXXX  XXXX only for the person on the other to give bank account numbers that does not belong to me at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/23 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 
Here are the accounts : XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX : {$980.00} XXXX XXXXXXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00}