23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

ARS Account Resolution Account # : XXXX XXXX They have failed to respond to my letters about incorrect account information. It is against the law and a violation to report health information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Student loan

I took out the loan in XXXX for $ XXXX I've paid {$250.00} a month since XXXX. 
Today, I owe {$19000.00}. 
The interest rate on my loan is currently XXXX. 

My debt has been bought from Sally Mae and sold at an unfair rate that I never approved. 

I lost my job due to the pandemic and took as much forbearance as they allowed. Now I'm all out of deferment/forbearance time and they're punishing me by raising the interest. 
I can not make any more full payments. They do not give options for partial payments. Because I can not make payments, they've started charging penalty fees. 

Navient calls my house 20+ times a day. 

They have called the police on me XXXX XX/XX/XXXX XXXX They will not let up, and now they are harassing my father. 

I am a single mom. I fear we will be homeless by the end of the year due to their predatory nature. 

How is this allowed?
Product: Mortgage

I refinanced my existing mortgage. On XX/XX/XXXX at XXXX the title company wired the money to NewRez ( the exising mortgagor ) to pay off the mortgage. NewRez applied the payment on XX/XX/XXXX and took 3 additional days of interest out of my escrow without any notification to me. How can they the steward of my escrow account take money out for their benefit without any kind of notification? This should be illegal!!! The title company has provided me proof of the wire to NewRez the morning of XX/XX/XXXX and I have forwarded that to NewRez and their response was it took 3 days to process. They charged me 3 days of additional interest by taking my money without permission thru my escrow!!! How can this be?? dont they have a fiduciary duty-Its my money and their charge was crooked and false. How many people are they stealing from? Im sure this is a widespread practice. Along with delaying my escrow refund by 30 days with no interest on my money. They charged me XXXX in interest for a time period they already had my money ( full mortgage had been paid off )!!!
Product: Vehicle loan or lease

I have been experiencing major hardships due to medical bills for my XXXX year old daughter. I am a single XXXX mother with no other monetary assistance except what I earn. My daughter has been in and out of the hospital  and I have been laid off work due to excessive absences because of her illnesses. 
In the course of this loan, I have given you {$3500.00} for my now repossessed car. I managed to pay this in spite of all of my difficulties. However, I can not at this time catch up my payments and I see that your fees continue to escalate. 
I am not currently in a position to pay off this loan and the loan payoff amount is more than what I originally bought the car for. This is a terrible hardship  for me and I have requested to have the loan canceled but can not speak to anyone " in charge '' at this " bank ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for the XXXX XXXX XXXX XXXX. 
EARN {$200.00} Earn a {$200.00} bonus after you spend {$500.00} on purchases in the first 3 months from account openings. 

I have excellent credit and they said that 7 years ago I had a collection that I settled back XX/XX/XXXX they said that they will never take that off the credit bureau probably do but they keep it forever and if that's the case I needed to know so I would never apply for XXXX 's credit cards because I received a hard inquiry on my credit score and I don't want to keep getting hard inquiries with XXXX if they do not take away the 7 years when I was young it was actually back in XXXX but I started to do better in my life so I considered settling for XXXX and XXXX  something dollars. I spoke to the lender and the consumer Department and they told me they didn't know if they had a 7 years forgiveness
Product: Checking or savings account

HI MY NAME XXXX XXXX XXXX XXXX IM BANKING WITH BB & T BANK FOR OVER 2 YRS I DEPOSIT CHECK TO MY ACCOUNT MY EMPLOYER CHECK I DEPOSIT THIS CHECK TO MY ACCOUNT REGULAR BASES NEVER RETURNED ACCIDENT HAPPENED ON XX/XX/XXXX WHEN I DEPOSIT CHECK EVENING THE NEXT DAY THEY PUT HOLD ON THE CHECK UNTILXX/XX/XXXX I WENT TO THE BANK ASK FOR HELP TO RELEASE THE FUND THE BANKER ANSWER WAS YOU HAVE TO HAVE SIMILAR AMOUNT OF THE MONEY SHE SAID SORRY WE CANT HELP YOU AND ON THE XX/XX/XXXXTHE FUND WAS NOT AVAILABLE I CONTACT THE BANK AGAIN THEY SAID NOTHING WAS PROCESSED FRIDAY AGAIN SORRY WE CANT HELP YOU AND TODAY XX/XX/XXXX THE BANK CHARGE ME WITH XXXX DOLLAR OVERDRAFT FEE CONTACT THE BANK ASKING WHY YOU CHARGING ME OVERDRAFT FEE THE ANSWER IS YOU FUND WAS NOT AVAILABLE ON THEXX/XX/XXXXI 'M SEEKING JUSTICE FROM YOU TO HELP TO GET MY {$72.00} FROM BB  & T
Product: Payday loan

The choice I made for the best description is not valid. I wasnt able to choose anything else. XXXX My complaint is that I spoke to XXXX on XXXX/XXXX/2016 about XXXX I advised XXXX that I had a plumbing issue and I was not able to make payment until XXXX/XXXX/2016. A XXXX representative was advised of my arrangements and spoke to me on a valid number that is listed to my account nevertheless loan express called a reference and/ or skipped traced on my account after speaking with me. THIS IS HARRASSMENT! I have proof that my best friend was contacted by XXXX with the phone number XXXX on her cell number XXXX in attempts to verify location info. There were several calls back to back on XXXX/XXXX/2016. I have proof of these unlawful calls as well.
Product: Student loan

XXXX XXXX in XXXX, CA was supposed to be doing a student loan forgiveness program. XXXX XXXX XXXX is the representative that handle everything. She gave me the name of Equitable Acceptance to make my payments to. The initial payment was {$150.00} and the remainder was {$49.00} for 33 months for total loan forgiveness and removal from my credit report. Equitable Acceptance showed up on my credit report as a loan of {$1200.00}. I called Equitable Acceptance at XXXX, which is the number given to me by XXXX XXXX and that is not a good number. My loan was consolidated and is now with XXXX Department of Education XXXX XXXX with a payment due to them currently. I did not authorize this and this is also not the agreement that I had with them. My case id with XXXX XXXX is XXXX
Product: Mortgage

In XXXX of 2016 my wife and I entered into a mortgage agreement with Chase. In fact there were two mortgages the first was approximately {$220000.00} and the second was {$55000.00}. What we did not realize at the time is that the {$55000.00} dollar figure included a balloon of {$50000.00} due in ten years. I suppose the idea was that after a short time we would refinance the house once it appreciates and pay off the second. Of course that did not happen and now after never missing a payment on either we have paid over {$59000.00} on the second ( which obviously exceeds the initial loan amount ) and still owe over {$50000.00}. I am not blaming anyone for this situation. However, my question is this : Am I to continue to pay on this loan to my detriment even though the house is worth far less than the two mortgages? Chase is simply continuing to collect payments on a loan where of the monthly payment of {$490.00}, only {$65.00} goes towards the principal and refuses to allow any form of refinancing or restructure.
Product: Checking or savings account

My name is XXXX XXXX please add this new complaint to XXXX case number XXXX I need claim number XXXX I need {$0.00} to be credit back into my account because I never requested it to be taken out of the account by yall and I need the claim to be reopen or appeal to be reopen to be investigated or credit the account back for {$0.00} or give me a onetime credit for {$0.00} because I really need that amount back and for claim number XXXX I need to know if {$23.00} was credit to my account or not if not please credit it or give me a onetime credit for it and look at my attachment below please. checking account number is XXXX and saving account number is XXXX
Product: Mortgage

My wife and I have been trapped and dealing with OCWEN since 2013 when I first lost my job. They said we needed to be behind on payments before we could qualify for a HAMP Program. We also hired a company that deals with OCWEN called XXXX XXXX XXXX, they told us along with OCWEN that they work together to help customers reduce interest, payments and ultimately save your home. We feel both of these companies have deceived and taken advantage of us especially by OCWEN saying they work with them. 

To date OCWEN continues to change the amount owed on our home, we have made our trial payments on three different modification plans, our interest rate to 4.6 % when in 2013 when we originally agreed to the plan it was 2.3 %, they extended the terms of our loan to 555 months even after paying on our original loan for over 8 years, they continue to add un explainable fee 's. We have not been offered any forbearance or any programs to help short term, they will not tell us why. Our relationship manager has changed two times and neither one would make effort to call us at times that were schedule by them or their staff. OCWEN continues to call 5-10 times per day saying that we need to make payment, even though we pay every month on time. OCWEN refused to accept our XXXX payment in any form unless we spoke with our relationship manager. We sent a check certified to the payment department, they recieved it but have not cashed it yet. 

Your help would be greatly appreciated, help with dealing with OCWEN and saving our home
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and again in XX/XX/XXXX, I disputed inaccurate information on my credit report with XXXX, XXXX and Experian Credit Reporting Agencies. I sent letters in the mail that my name is being reported inaccurately as well as inaccurate reporting of fraudulent accounts. I provided an updated Driver 's License and Utility bill with my accurate and up-to-date information to correct my name and address. I also requested that these 3 Consumer reporting agencies to validate with proof that XXXX XXXX, XXXX  XXXX XXXX and XXXX are all fraudulent accounts and they sent me a notice via mail that the information on my consumer report has been verified without providing any proof of such verification. XXXX and Experian continues to report that the information in my report has been verified. Verified by who? If I am the consumer, who has authority to validate who I am?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my father passed away. I asked GM Finacial for a brief extension or payment deferment due to death of an immediate family member. I made up the deferred payment XX/XX/XXXX. But according to my credit report it was listed as a missed payment that month. And on my transunion it says I missed a payment again in XX/XX/XXXX when that lease matured in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have advised both XXXX and Experian several times that they are furnishing information on my credit report that is unlawful which is the attorney general. as stated XXXX release this statement***Important Notice*** Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction
Product: Debt collection

Disputing the inaccurate, misleading, and potentially unlawful reporting of the following collection account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), credit reporting agencies are legally required to ensure that all information reported is accurate, verifiable, and fair. The reporting of this account contains multiple errors and potential violations that must be corrected immediately. Debt Buyer : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Bank Account Number : XXXX Date Opened : XX/XX/year>. Disputed Errors : Unverified debt collection reporting. Incorrect past due balance reporting. Failure to validate debt upon request. Potential illegal re-aging of the account. Possible violation of IRS regulations if a 1099-C was issued VIOLATIONS OF FEDERAL LAW : Unverified Debt Collection Reporting FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX is a third-party debt buyer with no documented proof that this debt has been validated as required by law. FCRA and FDCPA prohibit the reporting of an unverifiable debt. 2. Inaccurate Past Due Balance FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) The report states a past due balance of {$450.00}, which is the same as the original balance. If XXXX XXXX XXXX purchased this debt for less than the original balance, they can not legally report the full original amount owed unless they provide documentation proving they are entitled to collect the full amount. Adding unauthorized fees or interest would be a violation of FDCPA ( 15 U.S.C. 1692f ( 1 ) ). 3. Failure to Validate Debt Upon Request FDCPA 809 ( 15 U.S.C. 1692g ) XXXX XXXX XXXX did not provide the original signed contract, itemized payment history, and clear proof of debt ownership, I've requested them to cease collection efforts and remove this account from my credit report. I demand immediate removal or written validation of this debt immediately. FCRA 605 ( c ) ( 15 U.S.C. 1681c ( c ) ) If XXXX XXXX XXXX has changed the date of first delinquency to make this debt appear newer, this is an illegal practice known as re-aging, which extends the negative impact of the account beyond its legally allowed reporting period.
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 

The disputed items are as follows : XXXX XXXX & XXXX XXXX
Product: Student loan

I would like to payoff my student loans ( Account XXXX XXXX ). However, my loan servicer refuses to provide the payoff information and the wiring instructions to provide payoff amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
3 Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5.Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report
Product: Debt collection

I contacted the company, XXXX XXXX XXXX XXXX XXXX ( XXXX  ). I kept getting transferred to departments where I could leave a voice message that was never returned ... departments where the phone rang without answer or rang about 3 times and disconnected. I tried for 5 years at least to get a full statement. My debt was transferred to a debt collector and finally received 2 statements within a short period of time. They were to small to really be legible. These statements were sent based on a voice mail I left. I wrote a letter of insolvency and was immediately sued. To date, I have called this debt collector about 5 times in the last 2 years and there has been return call. I am being bullied and harassed. My mental health is not great and I am suffering over this situation to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : During XXXX of 2022 I noticed that my Experian Credit Score was no longer available. I then received a letter from a credit card company claiming I was deceased. After checking with the Social Security Administration and learning that there was no information leading to me being deceased while checking with FICO who also said they had nothing on me being deceased I later learned after speaking with Experian that XXXX XXXX XXXX is the credit card company responsible for claiming I was deceased. I never had a XXXX XXXX XXXX  credit card and told them this numerous times. 

XXXXXXXX XXXX XXXX should not be in the business of pronouncing someone dead when they are unable to retrieve debt. That's not the right way to go about the problem. I need XXXX XXXX  to make things right and report to Experian that I am alive and that the amount owed is XXXX. Nothing more. Nothing less. What they did was fraudulent and harmful to my credit report. Their privileges of reporting to credit reporting agencies and issuing credit cards should be terminated. 

Thank you. 

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

On XX/XX/2022, I submitted a letter, and I told credit bureaus to investigate every piece of information on the accounts that I have listed below. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge of concerning such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. 

They stated that my account was verified but how is this possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. 

Accounts XXXX  ACCT # XXXX XXXX {$160.00} XXXX XXXX XXXX  ACCT # XXXX BAL $ {$430.00} XXXX XXXX XXXX ACCT XXXX XXXX {$0.00} XXXX XXXX ACCT # XXXX BAL {$400.00} XXXX XXXX XXXX ACCT # XXXX BAL {$4100.00} XXXXXXXX XXXX  ACCT # XXXX XXXX {$730.00} XXXX XXXX ACCT # XXXX BAL {$630.00}
Product: Debt collection

National Credit Adjusters purchased an account from XXXX XXXX in XXXX 2017. They are stating that I owe XXXX in outstanding principal and extremely high interest charges. 

XXXX XXXX was not licensed to conduct business in the State of Virginia and therefore the debt is invalid. 

( And actually over the years I had the line of credit with XXXX XXXX I more than paid back the principal and the maximum interest allowed in the State of Virginia, had they been licensed ). 

This account needs to be closed and marked paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 - A Fraudulent security alert was placed on my Experian Report, XXXX / XXXX. - A credit card For XXXX XXXX  XXXX  was opened and I was never informed and Never Opened that credit account!! 

I didnt notice until I checked my XXXX  report that it was up there, but XXXX removed it, Now I been dispute it was Experian but they no help and sent over all the info! 

THE QUESTIONS IS HOW THE ACCOUNT WAS OPENED IN THE 1ST PLACE WHEN A FRAUDULENT ALERT WAS PLACED ON MY REPORT?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attempting to get a mortgage approval to buy a home. 2 of 3 credit agencies allowed my credit reports to be pulled by the finance company. Equifax however did not allow my credit report to be pulled because it was locked. 

I called Equifax 's XXXX number three times this morning. Their automated system makes it impossible to speak with someone to fix this. 

I then obtained a secondary Customer Service number of XXXX XXXX. I called it this afternoon and a woman that barely speaks English asked me multiple questions about past mortgages, past loans, addresses, date of birth etc. and said that I was authenticated. She then determined that my current address that I have been living at for over a year and a half was not updated. She refused to update it on the call despite having already authenticated me. 

A third-party company that has incorrect information about me should not prevent me from buying a house. THIS IS RIDICULOUS!
Product: Debt collection

credit reporting show no collects it also show 3000 plus balance due which in correct if there is no collection why do the record show XXXX balance, remove this from my report are show to whom I owe
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I froze my Equifax credit reporting after the big hack. I did it online and contrary to what they claim, they never gave me a PIN to identify myself. 

Now I need a mortgage and need to unfreeze it. Both XXXX and XXXX have been easily done. Equifax requires the PIN that they never gave me, but provides no phone number and no online method of retrieving the PIN.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ; XXXX Inquiry Date XX/XX/2021 ;
Product: Debt collection

I received a collections account notification on my credit report - however I never received any phone calls, mail or emails. I have never had the chance to verify the debt and so I have no clue what its for.
Product: Debt collection

This account was charged off on the following date XX/XX/year>. Since 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. Self Financial
Product: Checking or savings account

Got a call from one of the agent representing XXXX XXXX XXXXXXXX They trapped me saying that they pay my credit card and mortgage bills. After paying my bill they asked be to payback 50 % of bill that they paid for me. After i deposited the money to their account, the transaction which they paid my bills got reversed. Then i realized this is a scam. I have all the proofs that i deposited to their account. Please help me in recovering my money. 

I have deposited the money into their Chase bank account.