23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am a first year XXXX XXXX with my loans serviced by XXXX XXXX. When I graduated medical school in XXXX, I began making payments towards my loans on the REPAYE ( income based repayment program ) through XXXX XXXX servicing. My loans were transferred to XXXX XXXX at the end of XXXX because I applied for Public Service Loan Forgiveness which is run by XXXX. During this transition, my loans were placed in administrative forebarance by XXXX without contacting me. I called the company to clarify the reason for this and the customer service rep informed me that this was a necessary part of the transition and that I should wait for my monthly payment to be posted to my account. At the end of my admin forbearance, I was surprised to find that the outstanding interest of my loan ( {$2800.00} ) was capitalized. From my understanding, interest should not capitalize after administrative forbearance, especially since I did not consent to this. I again called XXXX to gain clarity and/or reverse the capitalization. I was told by a customer service rep that this interest was incorrectly capitalized and that she would be submitting a request for review - she mentioned this process may take up to 90 days for resolution. I received the following email message stating this : XX/XX/XXXX : " An administrative forbearance was applied to your loans and does not accrue interest during the period of XX/XX/XXXX to XX/XX/XXXX. '' I waited for 3 months for this to be resolved, trusting that it would happen based on my earlier conversation. In XXXX, I called XXXX to get an update and was promptly told that no such request was filed and that, in fact, that capitalized interest would not be reversed. I was told the law was " constantly changing '' regarding these things and also advised that I should not care about my interest being capitalized because " it wont matter with PSLF. '' I found this to be a financially irresponsible response to my concerns. 

Overall, I'm disappointed with the knowledge of the customer service representatives and XXXX.
Product: Mortgage

I am in the process of refinancing my XXXX and XXXX Mortgage. I currently have both with Ocwen who bought the loans from XXXX who bought it from GMAC. I had asked for help to lower payments on our loans a few years back due to the economy and salary restructuring from my job. 
I have been approved to get this new loan from a different lender, but Ocwen has informed me that I have what they call a Shared Appreciation amount tagged onto the payoff. I have asked for this to be removed as I explained my situation that this would help me and my family get reorganized and back on our feet, due to hardship with my wife health and medical expenses. 
Ocwen verbally has said that the Shared Appreciation amount has been removed several times, which i have 2 payoff quotes showing it. Now they state that it can not be removed. Myself and the new lender has been calling and talking with Ocwen several times a week about this and getting no where. My wife and I never agreed to a Shared Appreciation amount as we never signed an ok for it. We did sign for a modification on the existing loan a few years ago but this was not with Ocwen. 
after todays phone conversation with Ocwen I have gotten no where but an I 'm sorry we made a mistake. I am out a few thousand dollars, and a lot of time as I have been trying to resolve this since XX/XX/XXXX. All I am asking is to pay off both the XXXX and XXXX mortgages and be free and clear form Ocwen.
Product: Checking or savings account

Bank of America has opened an account in my name without my permission. Ive asked them to close it and they insist on me giving them my social security number- I REFUSE.
Product: Bank account or service

I opened an online bank account with www.pnc.com a couple of months ago. It was suppose to be a free online checking account. I found that they charge me {$25.00} for 'service fee '. They refuse to refund this money.
Product: Credit reporting or other personal consumer reports

I have been disputing this account since XX/XX/23. XXXX have not authenticated nor have done correct investigations for this account and it is still impacting my credit negatively. Another credit reporting agency did do a proper investigation and showed this should not be reflecting on my credit file. I have called, submitted online and done everything on part to prove this account does not belong there.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report once again, I realized that some of the accounts were erroneous and unverified. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$220.00} ; XXXX  XXXX XXXX Balance : {$400.00} ; XXXX  XXXX XXXX Balance : {$260.00} ; XXXX  XXXX Balance : {$25000.00} ; XXXXXXXX  XXXX Balance : {$65.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On or before XX/XX/year>. I purchased a home at ocmbc as the lender accord and satisfaction has be tendered and pay in full and has not be reported by the 3 national credit bureaus
Product: Credit reporting

Transunion will not remove the fraud alert from my credit report!!!! 
I DID NOT ASK TO HAVE A FRAUD ALERT PLACED ON MY CREDIT REPORT REMOVE THE FRAUD ALERT AND ALL ALERTS FROM MY REPORT XXXX Va XXXX SS # XXXX dob XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I never used Remitly, the international money transfer service.

However, I have received text messages from Remitly, portraying me as a XXXX  speaking client, although I have never signed up for Remitly. 

The text messages are from the number XXXX and XXXX : " XXXX XXXXXXXX XXXX XXXXXXXX XXXX Remitly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I believe this may be part of a scam, I am unsure why these messages were sent to me.
Product: Debt collection

I XXXX XXXX hereby attaches a copy of a collection letter I received from XXXX XXXX XXXX. I will agree in lieu of filing any protest against the collection to pay a reasonable settlement immediately, as long as it's in the area of {$350.00}. I will need this letter of settlement sent to my email address, and a contact number to call in the settlement amount, or an address where to mail it by XXXX XXXX. Thank you for the opportunity to negotiate this matter. XXXX XXXX
Product: Credit card or prepaid card

I have had this card beginning approximately XX/XX/XXXX. There have been two balance transfer 's as well as purchases throughout. I have been steadily and relentlessly been charged various of fee 's for various reason 's. Whenever i have called Capital One to try and understand how these fee 's were calculated, all I was ever able to understand was that it was too complicated to explain to me. I have wasted probably over 100 hours of phone time and an equal amount of time trying to read and understand the ever changing terms and conditions in the monthly statements. 

Based upon the spreadsheet I have created, Capital One is charging me {$900.00} in various fee 's. WHICH I DISPUTE. 

I have attached all my Capital One statements for the years XXXX, XXXX, XXXX, XXXX and XXXX thru the XXXX statement. I have also attached my spreadsheet which summarizes my entire history with Capital One, Month by Month with a running balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant 18 USC 8 I owe no debt to this company is violating my consumer rights to privacy pursuant to 15 USC 168 1B2. company also no permission to report ANYTHING using my pursuant 15 USC 16814.

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instrctions
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis Consumer Center, XXXX XXXX XXXX, XXXX, GA XXXX, Telephone : XXXX, www.consumerdisclosure.com ; provided the following incorrect information on my credit report : XXXX Account with a Reported Delinquency Status Including Bad Debt & Bankruptcy XXXX Percent of All Department Store Accounts Reported in the Last 24 Mos to Total # of Accts XXXX Time Since Most Recent Collection Agency Filing Reported XXXX Insufficient Information on Bank Revolving Accounts
Product: Debt collection

I explained this debt is reappearing after on or about XX/XX/2022 I provided a police report and confirmed my address during the time the account was active. The representative told me I was mentally unwell ( XXXX ) and I'll pay this bill after they report it to the credit agencies. These charges were a result of identity theft.
Product: Debt collection

I received a collection letter saying that I owe {$260.00}, from an outstanding debt with XXXX in a checking account # XXXX which was transfer to XXXX. I have not had a checking account with them only credit account which are paid and closed. I contacted XXXX directly and they said that I do not have a balance with them, also I check my credit report and nothing shows up.
Product: Money transfer, virtual currency, or money service

Last year I lost access to my chime account because I couldnt find my id to update my email address. Durning this time my chime account was still open and someone was using my account to make unauthorized transactions. Chime support refused to refund my money or update my information until i did the id scan. I offered to email them my temporary id from the XXXX but they declined, due to this i lost salot of my money
Product: Credit card

TO REBUILD MY CREDIT PROFILE. I APPLIED TO CAPITAL ONE CREDIT. APPROVED FOR THIS CARD BUT COMPANY REFUSED TO ACTIVATE THIS CARD. THIS COMPANY INSIST I AM NOT WHO I AM. I HAVE COOPORATED. BUT TO NO AVAIL. SO I SIMPLYH WANT TO CANCEL MY APP. BUT THIS COMPANY WANTS TO CHARGE ME AN ONGOING MEMBERSHIP FEE. I JUST WANT THIS COMPANY OUT OF MY LIFE. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a loan so I can help my mom get a new car and I was denied. I have been with my bank for a very long time and have other accounts with them. My banker gave me a copy of my credit and there are things on my credit that is not mine. Please move them from my credit because I've contacted the FTC and my local police. I'm doing this on my own. XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX AND XXXX. There were also some inquiries that are not mine as well 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.
Product: Money transfer, virtual currency, or money service

Zelle failed to implement adequate security measures, resulting in the unauthorized transfer of funds from my account despite my efforts to protect it. The platforms lack of fraud prevention tools and unwillingness to provide recourse to victims of theft has caused significant financial loss and emotional distress. Zelles negligence in safeguarding its users transactions constitutes a breach of duty, warranting compensation for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transfinancial Companies has been reporting improperly on my credit reports on multiple occasions. After being asked to verify information of the debt the company provided me with the incorrect social information on the debt and the records of validation. The company then removed one of the accounts and left the other account on my credit report in the amount of {$940.00}. I have repeatedly requested that the company remove this incorrect account from my credit reports as it is not mine. The company also placed the same account in the amount of {$940.00} with the same account number as a new account on my XXXX  report as a new account with the company. As it stands on my XXXX  report I have two separate accounts for {$940.00} with the same account information and account number that has the incorrect social security number on them, verifying that the account is not mine.
Product: Credit card or prepaid card

I made mistake ordering on computer with credit card from 2 different companies which I was charged on XX/XX/XXXX and XX/XX/XXXX and I paid for these XXXX. Then I noticed on my credit card account I was being charged only the amount I could see but could not log in and had not been able to for over a year to get more information. I called but they could not locate my number as they stated but I could call automated and receive all transactions. Even thou I had cancelled on both and had cancelation numbers I was being billed. I then started writing Citi bank dispute center on the XXXX of XXXX and continued to write thru out XXXX I continued to get more statements of purchases that I did not make and of this week and last week I continue to receive. I leave in mailbox and write refuse as always. With ciibank I get a dispute letter stating that I had a dispute of XXXX and with each of my past letters I stated that was the only purchase I made in person and have paid for ... .NONE OF THE OTHERS DID I CONSENT TO!!!! they talked as if on XX/XX/XXXX ( XXXX and XX/XX/XXXX ( XXXX ) credit dispute adjustment in process but charges that I have logged is also XX/XX/XXXX XXXX XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) totaling XXXX for XXXX # XXXX I have not received XXXX 's statement so more charges could be tagged on. They did agree to close the card and I appreciate that because I have not used the card except for Downtown in XXXX, ga and I paid that amount! I did not give permission for any of those charges. Please help me get my balance of XXXX again. I pay this card each month when I used it in full until these problems started. Its not fair to ask me to pay for merchandise I do not have or ordered. Have a great week! my case number is XXXX citiibank, n.a.
Product: Credit reporting or other personal consumer reports

The following accounts are reporting on my credit but is not mine XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXXXXX credit card in which I never had. Then there's also inquires on my report for credit items I haven't applied for which includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit has been compromised because of this accounts and inquiries. They are hindering me from buying home for family. This is not acceptable and I was hoping that help could be provided for my sake.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a Truist Bank checking account to take advantage of a bonus offer and fulfilled all the requirements, but I have not received the bonus. When I contacted customer service, the representative initially apologized but did not agree to provide the bonus or transfer my call to a supervisor. However, when I mentioned that I would file a complaint with a federal agency, a supervisor assured me that an investigation would be conducted and the outcome would be communicated within 15 days. It has now been over 15 days, and I have yet to receive any response or the promised bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a fraudulent account where charges were made on XXXX XXXX XXXXXXXX account for months now. Finally XXXX has removed and deleted this account off my credit report. I disputed this also with experian numerous times and it is still appearing as an adverse account on my experian credit report. I have submitted proof plus the fraud form and the disputed item but experian is still currently reporting it. I am getting to the point where I have been more than enough patient with experian and XXXX in resolving this issue as it is causing me a hardship in obtaining substantial credit with this account on my credit report. I did NOT do these charges and I am at the point of obtaining legal advise in suing experian and XXXX for ruining my creditworthiness as they are not correcting this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to request your assistance in regards to my credit report. There is an item on there that I would like investigated. 

Summary : I made a payment to my credit card company before the due date. The credit card company claims they did not receive the payment and charged off my account. However I have emails showing the due date, the scheduled payment date, and a pdf from my bank showing the ACH withdrawal. My account was charged off even though I made the required payment on the before the due date. 

Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Current owner of Debt : XXXX XXXX XXXX XXXX owed as reported : {$300.00} XX/XX/2022 : I received an email from XXXX XXXX XXXX XXXXXXXX informing me that I had a payment due on XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : I received another email informing me that my payment has been received and scheduled for XX/XX/2022 for the amount of {$320.00}. 

XX/XX/2022 : An ACH withdrawal was debited from my checking account for the amount of {$320.00} by XXXXXXXX XXXX 

XX/XX/2022 : Due date, as referenced in the email. 

According to my credit report, XXXX XXXX charged off my account on XX/XX/2022. I never received a notice regarding this action. In fact, I was sent emails informing me of my next due date. 

When I tried to contact XXXX regarding this matter, they stonewalled me and told me they no longer had access to my files and therefore could not discuss this matter. My account should have never been sent to a debt collector. 

It is my belief that this debt violates my consumer rights according to the FRCA. I would like to request that this account be removed from my credit report. Each consumer is entitled to a fair and accurate credit report and this behavior by XXXX strongly violates these statutes. 

Thank you for your attention to this matter. Please let me know if there is any additional information I can provide to assist in your investigation. 



Sincerely, XXXX XXXX
Product: Debt collection

the amount that is trying to be collected from CONSOLIDATED RECOVERY GROUP is completely wrong they are stating this was a loan their are no loan documents to prove that I ever signed for a loan with this company or any other company they are committing federal fraud by trying to collect illegal amounts on a debt that they purchased from a third party I owe them nothing and they are illegally trying to collect debt and stating that I got a loan with CONSOLIDATED RECOVERY GROUP or their third party company they bought the debt from I was never loaned any money or signed a contract for a loan but this what is being reported to all three major credit bureaus.We have sent 5 of the same legal cease and desist orders to CONSOLIDATED RECOVERY GROUP via email and us mail for them to stop this fraud but to no avail now they are breaking the law and now a federal investigation needs to be started to stop this I will be turning this over to the FBI and filing fraud charges if CONSOLIDATED RECOVERY GROUP does not fix this today I have proof of all of their illegal actions and threatening and intimidating and illegal actions to defemate my character and my credit history illegally by using these tactics.I have all the amounts they are illegally trying to collect and report. CONSOLIDATED RECOVERY GROUP needs to Cease and desist all collection activity and have original creditor to contact me by mail and prove to me that I took out an unsecured loan with their company and the document needs to say that I applied for and got approved for an unsecured loan because I got my credit pulled for a loan from them or their affiliates and I never signed for a loan with them or their affiliates never.I have proof from the credit bureau they are saying this a charged off debt loan.
Product: Mortgage

In XXXX, we received notice that our loan had been sold from XXXX XXXX XXXX to Regions Bank. We logged into Regions Bank and setup account. After setting up the account we setup an auto draft and also setup estatements. Since mail is very bad in our area. Figured this would take care of things and didn't think about it. Then in XXXX we get a notice that our account is past due from XXXX XXXX XXXX XXXX. So, we tried to login but of course our password didn't work. Region 's doesn't have hours during the week after XXXX or hours on the weekend. It's also not possible to reset the password online, at least we tried and it kept saying we were entering incorrect information. We finally were able to get in after a call to them. They denied we ever setup autopay in that call and acted liked we were stupid that a regular payment was in XXXX area of the website and auto draft was in another area of the website. Of course we knew that already, because we can navigate a website. Since, are login in XXXX the auto draft is actually unavaillabe unlike it was in XXXX. In the response, to my husband 's complaint they also said they attempted to call us on multiple dates. Not sure what number they called, but no messages were left. Probably, just an autodialer system where their agents hang up instead of letting the call go through. We signed up for estatements in XXXX, we have yet to receive we have never received a text or an email regarding payment from Regions Bank. When we regained accesss to the website in XXXX, we also re-enrolled in estatements. Still haven't received an " estatement ''. This company clearly has outdated technology that doesn't work or maybe they are XXXX against XXXX. This is common issue with southern people where the majority of this bank is housed. I am a XXXX and this is the first home I have owned, albeit with my husband. XXXX are often discrimated against in the XXXX and it goes under the radar, because XXXX feel that they are the only race that suffers from systemic XXXX I have built my credit since emigrating from XXXX in XXXX of XXXX  and with XXXX lie this company has wiped XXXX points off my credit and it just isn't right.
Product: Credit card or prepaid card

Capital One Credit Card charged me an extra {$73.00} despite the fact that I paid all the balance on credit card bill in full before due date.
Product: Credit reporting or other personal consumer reports

I can not have this on my credit. I understand that it is an abuse that there is still this incorrect information under my name. 

XXXX - XXXXXXXX XXXXXXXX XXXX XXXXXXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an incorrect reporting on my credit stating current, was past due 30 days three times. That statement is incorrect.