23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2019, I was informed by a Discover representative that my student loans were reviewed by their legal team and my loans are not eligible for deferment despite my half-time enrollment in XXXX studies. I submitted my Master Student Loan Promissory Note, originally serviced by XXXX, and explained to at least 6 different representatives the interim definition in that statement which states I shall get 10 years plus 6 months in school deferment for XXXX study, and 4 years plus 6 months for XXXX study. I am asking for XXXX study deferment, as I am in XXXX   school. Discover says, this is a misunderstanding - I can only have the XXXX deferment, and they refuse to honor this XXXX study deferment period. I offered to continue paying interest while in school, and explained I would only use 36 months of the XXXX deferment, but was still denied. I have spent at least 5 hours on the phone with Discover in  the month of XX/XX/2019, and was told there is nothing I can do to get my loans into deferment while I am in school.
Product: Debt collection

A company called ALLY Financial has repeated called my home and left a message for me to contact them in reference to someone else who allegedly owes them a debt. I do not know this person who allegedly owes this debt nor have I ever done business with this company or this person. I do not know who they are. I feel that I am being harassed by ALLY Financial with whom I have never had an account with nor done business with, nor do I know the person that they are contacting me about. It seems that they are running a scam or phishing.
Product: Mortgage

I formerly had a loan with Ocwen mortgage. They have reported on my credit report that I was 30 days late in making a payment. I have called them multiple times to have it removed ... they do not ... I have been promised calls back ... I have not received any. 
The issue occurred in XX/XX/2015. They had just completed an escrow analysis ... it was incorrect. I had just switched insurance ... they were assessing my escrow account as if I were paying both insurance companies ... I called them to correct it ... and to let them know they actually owed me money. I received the usual run-around from them ... and their call center in XXXX. During the dispute, I called and told them that I was not going to be paying the additional amount because of the faulty escrow analysis ( about {$90.00} per month ) ... because this problem should n't have persisted so long ... and, that they owed me nearly {$2000.00}. Finally, in XX/XX/XXXX everything was resolved ... they sent me a check of nearly {$2000.00} and reduced my payment ... it took several months to rectify. It is almost unbelievable that they are now stating that I was late greater than 30 days ... for {$90.00} ... when they actually owed me {$2000.00} at the time ... and, the fact that they wo n't remove it ... and, I am unable to speak with anyone in this country with authority ... ridiculous ...
Product: Debt collection

I've received a few weeks ago ( beginning of XXXX ) a letter from XXXX XXXX XXXX saying I own XXXX XXXX {$380.00}. I thought it was odd because I know I don't own them anything. So i called my mother in law who just retired from XXXX. I lived in my last place at NJ XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. My mother in law was the one who opened and eventually closed and transferred my account to her house in XXXX, NJ. My mother in law called her friend from XXXX and he inded confirmed what we all knew, that's not my bill! The account the collection agency is saying is mine, doesn't have my social, my email, full name, DOB, phone number, literally nothing that belongs to me linked to it! They most have a first name and half of a last name. Some how they linked a completely stranger to me, and now they are bothering me with letters with a debt is not mine. I've already disputed it ( same day of XXXX  letter ) and they sent me a letter XX/XX/XXXX ( a joke that proves nothing ) saying XXXX confirmed the name and address and that I still have to pay them! I can no longer dispute that bill because XXXX confirmed that debt ( face slaps ), a debt that IS NOT MINE! 
Reference # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # 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: Credit reporting or other personal consumer reports

I am listing 2 fraudulent inquiries fro my Transunion Credit Report. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Listed inquires do not belong tome and must be removed from my Tranusnion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report.
Product: Mortgage

My mortgage has been transferred to GreenTree Mortgage dba XXXX. I have requested a modification due to my current health issues. While in the process of requesting a modification, I also requested several legal documents from them such as my Mortgage Note, and copy of my security deed, and past 3 yrs mortgage history. I requested these documents 30-45 days ago, but never received any of them. The payoff balanced that was quoted to me was {$42000.00} more than what I originally started with the mortgage. I did not understand how the principle balance increased so high. In addition, I asked the name of my current investors or who really owns my mortgage, but was given vague and erroneous information. There are so many discrepancies with my loan. My original loan was with XXXX and then transferred to at least XXXX different servicing companys. Please help me, I do not want to lose my home, or taken advantage of. I am XXXX years old and very afraid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I was selling an item on XXXX XXXX when an individual told me they were keen on purchasing my item and would collect later that day, as they were busy they were keen to make the payment so their 'husband ' could collect later that day and so I didn't sell to someone else. The individual asked for my email address so they could XXXX me the funds. I agreed- but did not feel comfortable as despite having XXXX associated with my XXXX XXXX XXXX XXXX XXXX XXXX, I had only used this service once as a test and was not overly familiar with how it is used. It also took several business days for the funds to show on our accounts. BoA had also provided little to no advice on how to use XXXX when I joined them as a customer in 2022. 

After various back and forths the individual had notified me that they had received a bounce back email, and that I also should have, from XXXX that highlights that a sale transaction could not be completed as this required a business account. I did in fact receive an email that appeared to be XXXX and even had similar domain name. The email stated that first business account transactions required a minimum amount, which indicated that the buyer would have to overpay and me refund them the distance. Unfortunately and stupidly I did do this - thinking I was refunding them the amount. When making the transaction I did not receive a warning from XXXX. I immediately sensed something was wrong and rang Bank of America straight away and asked if the payment could be reversed as it was still 'processing ' in my account. Unfortunately they told me they could not do so. They notified me via email 9 days later that my claim was unsuccessful and they would try out of 'courtesy ' to locate my funds to the recipient bank - and that I would hear back within 60 working days. 

I relocated to the XXXX from the XXXX in 2022 and so am used to instant bank transfers that show as soon as a transaction has taken place. I am not used to bank transactions taking several days to process, unfortunately this was a factor that made me give the scammer the benefit of the doubt that they had sent the money. I feel Bank of America has really let down consumers protection with regards to the XXXX within the BoA app with very little education material on how this process works. I am bitterly disappointed that despite the transaction taking days to process - for some reason this can not be reversed?! When conducting their investigation Bank of America never asked for any evidence at all to aid their decision and this was all conducted orally- which leads me to think how can the bank be judging this in a professional unbiased manner? I also was fooled by the authenticity of the email I received and so with this fear greatly for the security of banking in the future with undoubtedly more sophisticated scams taking place in the future through mimicking someone/AI. Any help would be greatly appreciated! I certainly will look to stop banking with Bank of America if they can not resolve this.
Product: Checking or savings account

After submitting a fraud claim from my phone being stolen, people were able to access my XXXX and send themselves money that was out of my control. I was told since I've submitted other fraud claims before that they would close my checking account with the inability to open a new one. My claim is valid with an attached police report. I don't know what else I can do to prove the fraud claim.
Product: Checking or savings account

I received an email this morning that a checking and savings account were opened in my name with XXXX XXXX XXXXXXXX. This happened with Truist yesterday as well. Ive called both accounts to alert them and called XXXX to put a fraud note on my file. I saw on a website I should also report this to you, so I am doing so. If you need any other information please let me know.
Product: Consumer Loan

I GOT BEHIND ON THIS ACCOUNT BUT HAVE BEEN MAKING PAYMENTS. I HAVE ASKED THAT MY CREDIT REPORT BE UPDATED ACCURATELY AND THEY ARE SAYING THAT THEY ARE REPORTING CORRECTLY.
Product: Mortgage

In XXXX, OCWEN Loan Servicing , LLC, assumed servicing of my house note from XXXX MORTGAGE. Once the note was transferred, I was notified that there was an overage in my escrow account and received an escrow analysis showing the overage of {$1100.00}. OCWEN informed me that I could not keep the money in the escrow account, so I chose to have the funds dispersed to me. In XXXX, OCWEN dispersed {$1800.00} from my escrow account to my insurance company for hazard insurance on schedule, leaving a negative balance of $ XXXX. The negative balance grew until I was notified of the payment increase. 

In XXXX, my mortgage statement stated that my payment would increase from {$180.00} to {$350.00}, with no explanation. When I contacted OCWEN, it was discovered that there was no escrow analysis on file to justify the payment increase. The Customer Service Representative I connected with was unable to explain any reason for the increase. With no acceptable explanation, I was transferred to an Escalation Manager. It was at this time that I requested an escrow analysis to determine the reason for the increase in my payment. Upon receiving the analysis, I then was informed that my payment would increase an additional {$91.00} to cover a projected shortage of {$3200.00} in equal payment spread out over 36 months. 

While trying to discuss this issue with XXXX different escalation managers, I became increasingly frustrated as I was continually given different answers to my questions as to how the insurance could have been overlooked. The second Escalation Manager, which I spoke with, tried to explain to me that OCWEN was doing me a favor by spreading out the shortage that was an oversight on their part. I was never given any option on how to rectify the situation. Each person I spoke with, insisted that an escrow analysis was only required once a year. Which, at this point, was one year from the time the note was transferred. 

At that point, I was able to speak to a Consumer Ombudsman. It was n't until my second call to an Ombudsman, did I receive any credible information. The first Ombudsman that I spoke with, issued a letter to explain everything that the second Ombudsman had already explained to me, but she was unable to.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to REMOVE these inaccurate accounts in my file. 
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

The two derogatory accounts have both reported incorrect information about my accounts to the credit bureaus. The XXXXXXXX XXXX  Account has reported incorrect amounts, payment history and information on the account. The XXXX collection company has reported an incorrect amount as well as personal information. Through prior credit repair I was able to remove them off my credit report ( I have attached proof of removal below ) but they have recently shown back up only on my XXXX report and I would like removed again and permanently from all three credit bureaus. 

In accordance with the Fair Credit Reporting act XXXX XXXX Acct. # XXXX, and XXXX XXXX Acct. # 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

This was paid off in a settlement through Pollack & Rosen for XXXX XXXX XXXX. I have a letter stating the account is paid in full. However, it is now XX/XX/2022 and XXXX has created a new account number for the {$2900.00} which was forgiven in the settlement, put it back on my credit report as being owed and reporting late payments. I have reached out to them multiple times and they say it is in the process of being closed but it is taking time. We believe they are stalling in hopes to collect the balance they agreed to forgive. We have disputed it on our credit report and XXXX came back verifying the information is correct and states it is still owed. We have had our lawyer contact the credit bureaus telling them to remove it off my report based on the letter stating paid in full. However the credit bureaus have listened to the debtor vs using the letter from there lawyer representation stating the account is paid in full. This refusal of XXXX to correct and honor their settlement has caused issue on my credit report and is a true violation of 15-U.S.C.A. Sec. 1681i. We can provide the documentation from all lawyers to show this account is paid in full and should be removed with no late payments reported. Since they notified the credit bureau when we disputed the account on our credit report they returned it to them as valid an still owed. This shows additional continuation of deceptive practices on their side. Our next step is to sue them with our lawyer charging them for the legal fees.
Product: Credit reporting or other personal consumer reports

On credit report it shows that account was charged off. They charged it off but also sold it to a collection agency named XXXX. This information is inaccurate.
Product: Debt collection

LVNV Funding is attempting to collect an alleged debt that is not owed to them. They are 3rd party debt collectors and have illegally obtained my personal information. I do not have any written consent or agreement with LVNV Funding. They have been tarnishing my reputation and consumer reports with their illegal practices. LVNV Funding is not licensed to collect in my domicile state of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I Checked all three Credit Reports from XXXX, XXXX Equifax Online at XXXX I noticed several fraudulent Accounts, Names, Addresses and Phone Numbers, someone apparently obtained my personal info and used it to open fraudulent credit accounts in my name! 
XXXX Accounts : XXXX. XXXX XXXX BANK XXXX. Acct XXXX Opened XXXX XXXX. XXXX XXXX XXXX Opened XXXX XXXX. XXXX XXXX. XXXX XXXX Acct XXXX Opened Unknown XXXX. XXXX XXXX XXXX Acct XXXX Opened XXXX XXXX. XXXX XXXX  Acct XXXX Opened 2018 XXXX. XXXX Acct XXXX Opened Unknown Fraudulent Names : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Addresses 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 Fraudulent Phone XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Fraudulent Employment Names : XXXX. NJ XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered several accounts that were opened without my authorization. These fraudulent accounts are negatively impacting my credit history and affecting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I attempted to retrieve information from a reporting company i have no knowledge of that reporting a charge off on my credit profile. The company updated my credit report which manipulates the statute of limitations as well as never produced the proof of this alleged debt. Thus violating 15 USC 1692 ( e ) false and misleading representation and 15 USC 1692 ( f ) Unfair practices. XXXX XXXX is the company that is violating my rights to privacy under the Privacy Act of 1974 due to not providing the evidence of myself and the company doing any business together and possibly acquiring my personal information illegally. Also, violating federal law 15 USC 1681 not reporting information that is 100 % accurate. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, i can only presume that no proof of the alleged debt or any debt means no debt exists. Please remove this charge off from my credit report immediately because it is damaging myself and my families well being. XXXX XXXX charge off.
Product: Debt collection

WESTLAKE FINANCIAL SERVICES is attempting to collect a debt without a contractual obligation binding I the consumer and WESTLAKE FINANCIAL SERVICES. WESTLAKE FINANCIAL SERVICES ARE THREATENING TO UNLAWFULLY REPOSSESE MY AUTOMOBILE ILLIGALLY ON XX/XX/2022, if I don't pay this ALLEGED DEBT, without responding to my CONDITIONAL ACCEPTANCE LETTER sent certified mail and it was delivered and received XX/XX/2022. Pursuant to title 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES, prohibits the collection of any debt without a CONTRACT. WESTLAKE FINANCIAL SERVICES is attempting to collect a debt in the amount of {$480.00}, there is NO CONTRACTUAL AGREEMENT between XXXX XXXX XXXX and WESTLAKE FINANCIAL SERVICES for them to lawfully reposes my automobile, there for WESTLAKE FINANCIAL SERVICES is in VIOLATION of 15 USC 1692f ( XXXX ) -UNFAIR PRACTICES. I DEMAND WESTLAKE FINANCIAL SERVICES CEASE COLLECTIONS, {$0.00} OUT ACCOUNT XXXX, DELETE ANY NEGATIVE DOING TO MY CONSUMER REPORT, AND GRANT ME MY TITLE LIEN FREE WITHIN 30 DAYS, IF YOUR COMPANY FELLS TO DO SO I WILL SEEK LEGAL ACTION.
Product: Money transfer, virtual currency, or money service

Someone stole my phone and sent XXXX to someone I do not know. And they wont give it back they keep denying my dispute
Product: Credit card or prepaid card

XX/XX/2021 Keep receiving this message with pre-qualification over and over again. My former account is paid in full and closed at my request when I lost my wallet. I advised the team at that time my bank account and all cards associated with me were closed as a precaution with new ones having been issued. 

My online portal was locked by your team during such time with card disabled. Your team advised auto-pay was still connected I advised to remove clearly and was told that no changes could be made by discover on behalf of the customer this would have to process several times and once the payments came back unpaid a number of times the feature would be disabled. 

The bank account was said to be pending closure for 30 days each time a transaction presented it kept the account for finalizing it's complete closure further delaying the process. I. have spoken with countless representatives at Discover all of with whom states they submitted for the card to be removed from revoked status given the circumstance they see it is paid off and there are countless notes on file advising the same. 

There are people with charged off accounts for thousands and you reissue I'm having to jump through hoops for a card I lost and requested closed at my request and that has a XXXX {$0.00} BALANCE? Unheard of. 

If this is not rectified expediently and this hold is not removed I intend to exhaust every legal remedy available as it is not accurate and differs from what countless correspondences with your team have stated. 
-- -- -- -- copy of your blacklisted email Thank you for your interest in Discover. Unfortunately, at this time we are not able to provide you an offer due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT Rest assured, your request did not impact your credit score. In fact, you can easily keep track of your XXXX Credit Score for free and learn more about what affects your credit at Discover.com/Credit-Scorecard. 

You can submit another request eight days from the date of this letter. 

Sincerely, Discover Credit Operations Team XXXX Reference Number XXXX XXXX Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you. 

You also have a right to a free copy of your report from the reporting agency, if you request it no later than 60 days after you receive this notice. In addition, if you find that any information contained in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX Balance : {$6500.00}, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XX/XX/XXXX