23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was sent a paper letter from Mohela on XX/XX/2023 indicating I was on administrative forebearance from the period of XX/XX/2023 to XX/XX/2023. Today XXXX/XXXX/XXXX  I checked my online account and noticed Mohela had generated a bill and a due date of XX/XX/2023 within the last few days ( as I check my account regularly ). I have not been notified digitally nor by regular mail of this due date. In addition, this payment was generated during the aforementioned administrative forbearance period as indicated on the correspondence I had received. Had I not checked for myself I would not have been aware of an upcoming payment date. This is unacceptable. In addition I submitted a XXXX  E-Sign Employment verification as I normally do which was submitted to Mohela on XX/XX/2023. It is now almost 70 days post my submission and my payment count has yet to be updated. 

This company 's lack of communication is unacceptable. I have never delt with this level of incompetence in the over XXXX  years I have been enrolled in XXXX. I hope you can assist me, thank you.
Product: Checking or savings account

On XX/XX/2023 my checking account with Credit Karma money was charged {$820.00} at XXXX XXXX. I contacted Credit Karma after I was contacted by another creditor that my payment hadnt gone through. I then realized I didnt have my card. A new card was ordered and I submitted a dispute as instructed by the agent. On XX/XX/XXXX I received the results of their investigation as a legitimate charge. I called again immediately as I absolutely did not make this charge nor authorized it. I found out by calling XXXX they require a membership to even purchase anything from their store which I do not have. I argued again with credit karma money who did everything but help me in this situation ( absolutely did nothing at all ) According to the warehouse manager they reviewed the footage and informed me it was a gentleman and a rough guess of age would be mid 40s. I informed them of the situation and they had no knowledge of any dispute submitted!! My husband is a police officer I am fully aware of how the system works. They not only allowed a very large purchase which should of been suspicious in the first place but they did absolutely nothing to help me as the customer resolve it. The only response Ive received is there is nothing we can do nor willing to help me any further.
Product: Debt collection

Recently signed up for monitoring company in which I first noticed fraudulent account reporting from company BYL Services I have no relations to think account this is a result of identity theft as I have reported to the FTC as Identity theft and seeking that it be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is in connection with XXXX XXXX XXXX XXXX reporting fraudulent information on my credit report and Experian failing to investigate this matter. XXXX XXXX XXXX XXXX has sent me all the paperwork in connection with this fraudulent account. There is no form amongst this paperwork disclosing the opportunity to Opt Out. This alleged account is in connection to a car purchase transaction. According 15 USC 6802, there should have been a disclosure with the option to Opt Out. A financial institution such as XXXX XXXX can not disclose nonpublic personal information without first providing a consumer notice that complies with 15 USC 6802. I never received this Opt Out notice. I can tell you if I ever had the opportunity to fill out this document I would have because this company has been a nightmare to communicate with. I have lost wages due to this illegal activity and been denied credit. XXXX XXXX is currently committing aggravated identity fraud as defined in 18 USC 1028A. Experian is reporting this fraudulent account on my credit report despite multiple attempts to dispute the legality if this account being there. Both companies are committing aggravated identity fraud against me. 

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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX  hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 4 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Checking or savings account

At XXXX XXXX on XX/XX/22 I received an email saying my account was overdrawn. At XXXX XXXX on XX/XX/22 I got a second email about a second charge that caused an overdraft. At XXXX XXXX I got another email stating I now was being charged {$36.00} twice for over draft fees. It hadn't even been 24 hours since I received the first email about the first overdrawn charge. Their policy is 25 hours. They claim its not their problem that the emails were sent later than they should have been, and refuse to remove the fees so I can get my account out of the negative.
Product: Debt collection

On XX/XX/XXXX I received a letter from a private student loan debt collector claiming that I have not paid my loan but I have been making payments despite my account with them showing no payment is due. I am currently in graduate school and should be making student loans and the global pandemic of Covid 19 protects borrowers from making payments during this time. My loan amount is also significantly lower than the amount they are saying I owe. My current loan amount is {$620.00} and they are saying my balance is {$1300.00}. 

My account loan number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my XXXX credit report back in XXXX, I noticed that Key Bank pulled my credit for some unknown reason on XX/XX/2022. Outraged, I called Key Bank to voice my concern. That call was placed to Key Bank on XX/XX/2022. The associate I talked to at that time, XXXX, assured me that the inquiry would be removed by Key Bank. Over two months later, it still remains. It must be removed immediately as it is causing me undue hardship.I had no interest in Key Bank credit products then, and will not have interest moving forward.
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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX. 
Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following entries on my credit report, which I believe to be inaccurate : Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made numerous attempts to correct these discrepancies, submitting the required documents and following up multiple times, but no action has been taken. These errors have caused unnecessary financial hardship and have put an immense strain on my personal well-being. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report free from inaccurate or unverifiable information. I expect a thorough investigation and a resolution in a timely manner. Please ensure that these concerns are properly addressed as soon as possible.
Product: Mortgage

I previously had a mortgage through PHH Mortgage. I recently refinanced my mortgage through XXXX. XXXX requested a current pay off statement from PHH on XXXX occasions in XXXX and PHH refused to provide a current pay off statement. They initially provided a payoff statement through XXXX XXXX and then provided a payoff statement through XXXX XXXX. We closed our refi and sent payment on XXXX/XXXX/15 to PHH overpaying our interest through XXXX XXXX. PHH refunded the balance of our escrow account. However, they DOUBLE PAID our PMI first before refunding. Our PMI was current and there was no reason for the double payment. We no longer use the same PMI company and I believe I am owed a refund of the duplicate payment. PHH has also not refunded the overpayment of 20 days of interest ( XXXX through XXXX ). I have called PHH to request info on where my overpayment went and they have refused to provide info. I asked for a statement of how much my overpayment was and they advised they did not have that information. They did not answer my question when I asked about the duplicate PMI Payment. They offered to send me a list of my payments XXXX which I am able to see online ) but then never faxed it.
Product: Checking or savings account

I initiated a transfer from my XXXX savings to my Capital One 360 savings on XX/XX/year> which should have been deposited on XX/XX/year>. Still havent seen it. They sent out an email with no specific date for the situation to be fixed. I need my money!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and opened an auto loan in my name with Nissan Motor Acceptance on XX/XX/XXXX, Which I am in the military, United States XXXX and I was on XXXX at that time in XXXX. I pulled my XXXX  credit report on XX/XX/XXXX and noticed a charge off amount of {$18000.00} written off with a past due amount of {$17000.00}. Account number XXXX Nissan Motor Acceptance.THIS IS NOT MY ACCOUNT. I contacted Nissan and XXXX about the matter. Nissan and XXXX  are still reporting this fraudulent account to third parties which is hurting my reputation to attain credit. After researching, Ive founded that FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : which XXXX has failed to do so. I have provided all information needed to block the fraudulent account but XXXX has not blocked it from my report which is a violation of the FCRA and Im also filing a complaint with the XXXX XXXX XXXX  and seeking litigation.
Product: Consumer Loan

Hi. I used XXXX to find the best rate for a personal loan to make some repairs on my home. Netcredit was one of the first people to contact me so I started an application with them. And regret every second of it. I have contacted them several times cancel the application because when you get to the end of the application it asks for your user name and bank password. In this day and age I am not confortable with that especially when the fine print says that the third party agency is my accounts POA and they can monitor and access my accounts anytime. I let them know they can call to my bank and get the records straight from them or I can fax them. I had a XXXX and now its a XXXX Who gives someone with that score 65 % interest rate on a loan? Let alone a non authorized hard inquiry. These car title loans and high interest loans should be shutdown because they are all profit base to the company and put strain on the borrower. I am not going to stop here with this issue. I will be writing several state officials and local government in my state to stop this robbery that is allowed to happen everyday. The only reason I am so adamant about this is a couple years ago my credit was n't so good and I had to take a title loan. I almost lost my car and job trying to pay the loan back. I had to take money out of my 401k to pay off the amount. I payed it off in 1 year and none of the history on the account shows in my credit report. The Netcredit acoount # XXXX was never authorized to go through and should have never been a hard inquiry because I did not agree with their terms for the loan and they refused to call my bank saying the only way to complete the loan is to put your bank login and password and pray. Please if there is anything on my end that can speed this process up just let me know and I will make sure it 's taken care of within 24hrs. Thank you and I hppe we can resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

The Department of Education sent me a email in XX/XX/2023 stating that my student loans were being discharged due to a borrower defense application. The loan service ( Dept of EDXXXX XXXX ) processed my loan discharge on XX/XX/2023. I contacted XXXX on XX/XX/2023, and they confirmed that the loan was discharged and that they sent letters to all 3 credit agencies ( XXXX, XXXX and TransUnion ) on XX/XX/2023 informing them of this discharge, so that they could remove it from my credit report. All three agencies failed to do so. After confirming that the loan was definitely discharged by XXXX on XX/XX/2023, I contacted all three agencies and disputed the debt online and provided them with the email letter from the department of education that stated the loan was discharged. All three agencies have responded back in a mater of days stating that they " investigated '' the matter and that the debt was " accurate '', when in fact, it is not and needs to be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix this problem with credit acceptance corp XXXX XXXX and XXXX I disputed this for paid in full or off of my credit report for fraud credit acceptance corp agreed to all the credit bureaus that the information was correct about me being a cosigner and on credit acceptance buyer declaration the terms and agreements were suppose to be on point but it's not the reason why saying this is if I told you I was the cosigner and all the three credit bureaus said it's correct about me being the cosigner why is my signature under the buyer and not under cosigner that seems fraudulent to me and needs to be on my account as paid or remove it off for fraud
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report and to express my concerns regarding the security of my personal information following the XXXX data breach and also inaccurate reporting of charge-offs on my credit report and to request your assistance in ensuring compliance with federal laws, specifically 15 U.S.C. 1635 and 15 U.S.C. 1692g. These accuracies have negatively impacted my credit profile and require immediate correction.

Under the Fair Credit Reporting Act, entities handling consumer information are required to implement reasonable procedures to protect personal data. The following provisions are pertinent : 15 U.S.C. 1681 ( b ) : Purpose of the FCRA This section mandates that consumer reporting agencies use reasonable procedures to ensure the confidentiality, accuracy, and security of consumer information.

15 U.S.C. 1681e ( b ) : Accuracy of Information Consumer reporting agencies must ensure the maximum possible accuracy of information in consumer reports. The breach has led to inaccuracies in my credit report, including [ describe inaccuracies, if applicable ].

Legal Grounds for Complaint Right of Rescission 15 U.S.C. 1635 Under the Truth in Lending Act, I have exercised my right of rescission for the relevant account ( s ). This legal right voids any obligations related to the account and invalidates any associated charges, including the charge-off status. Despite this, the creditor continues to report the account inaccurately.

Debt Validation 15 U.S.C. 1692g Pursuant to the Fair Debt Collection Practices Act, I have requested validation of the alleged debt ( s ) from the creditor ( s ) and/or debt collector ( s ). To date, no sufficient validation has been provided, and the continued reporting of these charge-offs violates federal law.

15 U.S.C. 1681w : Disposal of Records This section requires proper disposal of consumer information to prevent unauthorized access. The breach suggests potential negligence in adhering to these requirements. 

Please remove the following items from my consumer report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

THIS IS NOT A DUPLICATE COMPLAINT This is a new complaint written on XX/XX/XXXX addressing Ocwen Loan Servicing 's illegal attempt to sell my home scheduled for XX/XX/XXXX. 
For the sixth time, Ocwen Loan Servicing is attempting to illegally sell MY home. I have had to file previous complaints to address the previous five illegal attempts of this entity to sell my property. Once again, Ocwen Loan Servicing is in gross and blatant violation of CFPB regulations, federal and state law, and a consent judgment governing their behavior. What is it going to take to stop the illegal behavior of this entity?

We have been struggling to have our mortgage modified with Ocwen Loan Servicing for a number of years now. We have always qualified easily for a modification, but this company has done everything they can do to avoid modifying the mortgage. They have instead continually attempted to foreclose on us illegally, in clear violation of CFPB regulations. Because of a consent judgment against Ocwen Loan Servicing, this company is required to follow a very specific modification process and they are required to modify the mortgage. Ocwen Loan Servicing is completely out of control and we desperately need protection against their endless unlawful attacks. It is likely that the activities of this company are negatively affecting many Americans. 

Specifically, through their haphazard implementation of a fictitious modification process, Ocwen has continually disregarded numerous provisions of the Home Affordable Modification Program ( HAMP ) enacted under the Troubled Asset Relief Program ( TARP provision of the Emergency Economic Stabilization Act of 2008, Pub.L. No. 110- 343 ; 122 Stat. 3765 ; 12 U.S. C. 5201, 5211-5241 ; 5219 ( a ) ), Regulation X, 12 C.F.R. 1024.41 ( g ) and ( j ), Regulation X 1024.35 ( b ) ( 10 ) and other laws over and over again.

In addition to the modification problems, they have also been dual-tracking me by continually attempting to foreclose on me while I have been in the active modification process the whole time. We clearly and easily qualify for a modification, and these people know that. Blatantly attempting to foreclose on and steal the home of someone who clearly qualifies for a mandatory modification is a grossly criminal act. This complaint should be referred to the appropriate authorities for criminal prosecution.