23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have reached XXXX out of the XXXX payments needed for XXXX. I asked ( via telephone ) Mohela to describe the next steps in writing and they stated they refuse to document this process in writing and I am also " not allowed '' to confirm the next steps with the Department of Education. ( e.g. I can not contact the DOE to confirm that Mohela has sent my case to the DOE to confirm my counts ). Additionally, I was told to wait the XXXX business days before any progress can be confirmed. Yet again another example of Mohela purposely stalling this process.
Product: Debt collection

I was informed of identity theft in XXXX and froze my XXXX credit bureau accounts. I checked my credit reports then and didnt see any suspicious activity in XXXX. However, I was notified on XX/XX/XXXX that my XXXX XXXX XXXX dropped from mid XXXX to XXXX which was XXXX points drop! I checked for the reason and see suspicious activities and most importantly a collection called Capital Accounts LLC trying to collect {$930.00} for XXXX XXXX XXXX XXXX XXXX. I called Missouri XXXX XXXX and turned out that I had a XXXX there in XXXX. However, I paid about {$650.00} there as my portion and was assured that that was what I owe. Their explanation is that I owed additional about {$650.00} because my insurance rejected to pay their portion. However, I was never informed of this. I never received a call or anything in the mail saying that I still owe money to XXXX XXXX XXXX or that the insurance didnt pay anything. I moved to other State XXXX years after the service in XX/XX/XXXX, and I had my XXXX XXXX delivered to my new address through XXXX for about an additional year. I never received anything about this. I asked them to email me what has happened and havent received anything. I tried to dispute it through XXXX and they want a FTC report to proceed. The question is why they didnt bill me for the right amount at the first place if I owed more. I have never missed a bill and paid them right there on the day of service. Why should this happen after XXXX years in XXXX right when I am in the middle of an identity theft. I believe this is fraudulous and shocking. I cant afford this. A XXXX point drop in my XXXX XXXX is huge for me as I am trying to buy a house in a couple of months! My XXXX XXXX has never been this low. I have been spending so much time on calls about this identity theft issue and suspicious activities in my accounts. The question is why my identity was breached. I was subject to XXXX breach in XXXX but never got a logical response from them. I have been calling them again these days and they sound very irresponsible.
Product: Student loan

I was advised to consolidate student loans and PLUS loans, which I am now told do not qualify for any of the income-driven repayment plans. The only option is a calculation based on the outstanding balance, regardless of my income or expenses. 

The only reason I consolidated and switched to this servicing company was to participate in the income-based repayment, which they told me I was doing. Only today did they advise that I am not eligible because a portion of the consolidated loans is PLUS. 

During the first year, they apparently miscalculated or had me in the program they now tell me I can not participate in : my payment, based on my income, was $ XXXX. The new payment, based on the new program/formula, is $ XXXX XXXX impossible to pay ). 

This is 25 % of my take home pay, before any expenses are paid.
Product: Debt collection

My ex wife and I purchased a car with ford motor credit, we got divorced in late XXXX. She allowed this car to be repo and filed bankruptcy on the debt ( since in the divorce decreed, per the judge, she was given the car and the judge removed me from all responsibility with this debt ). In XXXX, before I was about to be transfer to my new command in Oklahoma, I received notification regarding being suited for this auto loan. I tried to contact the law firm and received no response from them-They refuse to call me back. I went to court and I should the paperwork of my divorce and other document to the judge. He proceed to dismissed the case, and told the attorney that they need to come back to court when they can prove their case properly. I thought it was done. In XXXX I'm XXXX in XXXX and filed out that I'm being garnished for a auto loan that I wasn't served on after the court case in XXXX. I can't pick up the phone and call the law firm-I 'M IN XXXX. By the time I get back- I'm sent back to XXXX  XXXX and then TO XXXX XXXX Ks . I have tried to contact this law firm and ford motor credit and can't get any responds back. THIS GARNISHMENT HAS BEEN GOING ON FOR ALMOST TEN YEARS-The problem with judgment is, Virginia Court System Clears their system every about 5 -7 years, so I can't find anything on this original judgment other then the garnishment paperwork. They have taken from me a total of XXXX on a car and I still owe XXXX. And the best part of this issue, the car didn't even cost that much in the beginning.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit and I saw some fraudulent things that need to be removed of my credit.
Product: Credit reporting

equifax is posting unverifiable incorrect, and outdated information on my credit report and when i request method of verification i asked them detailed question about how did they come to this conclusion that its correct they dont answer them they just send some template method of verification
Product: Credit reporting or other personal consumer reports

I am writing to formally address an urgent issue with my credit report. It has come to my attention that certain information associated with my account has been incorrectly mixed with that of another individual. This account is, without question, not mine, and it seems that my personal credit information has been mistakenly linked to someone elses details.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent XXXX XXXX XXXX lease on my credit reports. XXXX XXXX XXXX is a criminal organization. The number of complaints against XXXX XXXX XXXX are unfathomable. The lengths to which the XXXX XXXX XXXX criminal enterprise will go to defraud consumers is truly astonishing. According to several reports XXXX XXXX XXXX has even been caught FORGING SIGNATURES ON LEASES AND LOANS. I fought XXXX XXXX XXXX since 2013. THIS DEBT IS OLDER THAN SEVEN YEARS AND MUST BY LAW BE REMOVED FROM MY CREDIT REPORT. I DEMAND THE IMMEDIATE REMOVAL OF ALL INSTANCES OF XXXX XXXX  XXXX FROM ALL OF MY CREDIT REPORTS. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent Experian a letter in XX/XX/2022 to investigate and update information that is being inaccurately reported on my credit report on XXXX XXXX XXXX  I sent a follow up letter because I didnt receive any response nor were any of these accounts notated as being in dispute. 

I sent another follow up letter in XX/XX/2022 because they only corrected 3 of the 7 accounts. All the accounts are reporting the same and they are ALL WORNG. SO they ALL should have been updated They are reporting on these accounts an inaccurate payment status. 
2 of the accounts are closed and they are reporting a derogatory payment status. 2 of the accounts are open and current, 1 is a dept of education student loan that is in deferment so not only are they violating FCRA, they are blatantly disregarding FEDERAL LAW.

Ive included 4 of the accounts copy of the credit report with the information that is being reported by THEM NOT THE CREDITOR inaccurately. 

I will not accept any response stating that the creditor has verified its reporting accuretly, IT IS NOT THE CREDITOR that Is reporting it wrong EXPERIAN is reporting WRONG. 

I also included all three letters that were sent to them.
Product: Debt collection

I signed up for the XXXX XXXX XXXX and cancelled after I was dissatisfied with the product. The company continued to bill me and send me products even after I had cancelled. Then I started receiving letters from XXXX XXXX XXXX XXXX for one of  the kits sent to me AFTER I had cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts I had nothing to do with.
Product: Debt collection

I noticed this account on my credit report and I did not recognized the debt. Under account type the debt is listed as mortgage however I have never purchased a property. I've sent XXXX certified debt validation letters to the company one mailed XX/XX/2021 and the other mailed XX/XX/2021. I have gotten XXXX response from the company, but according to the credit bureau they have " verified '' this account. How is this account verified when the company has failed to validate the debt with me. The amount listed on the credit report is for a total of {$3400.00} also listing a past due amount of {$740.00}. I have no idea what this debt is, who's this debt is as I have never had anything remotely close to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) and LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) and LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

Currently I am being harassed through phone calls, emails, written mails, etc by XXXX for repayment of federal student loan. As directed I have been making payments directly to US Dept of Education in XXXX GA for the past few years and I am current. I am pregnant and this harassment is a huge inconvenience and very unhealthy
Product: Credit reporting or other personal consumer reports

This company is in violation of my FCRA rights. This company is reporting multiple inaccuracies and violating my rights by reporting Charged Off Payments ( c/o ) monthly on a closed written off account. They also are in violation by updating balance monthly when this account last update should reflect XX/XX/XXXX. 

This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

Attachments- XXXX  attachment - proof payment last account activity should reflect XXXX XXXX XXXX attachment -Proof of incorrectly and inaccurately reporting payment history on a closed written off account. 

XXXX  attachment-Proof of incorrect balance update on XX/XX/XXXX XXXX
Product: Debt collection

While living in XXXX, VA I had to pass the XXXX XXXX XXXX, one time. After passing this bridge, I went onto their website for the XXXX XXXX XXXX and paid the toll for the bridge. Shortly after, to verify this I called the XXXX XXXX XXXX phone line to ensure the debt had been paid and posted, they did verify this. 

It is now over a year later and I am getting a harassing letter from an unknown debt collector Linebarger Goggan Blair & Sampson, LLP. I researched this organization only to find terrible reviews of scam artists ripping off dozens of customers. I paid the stupid debt to get them to hopefully leave me alone. I paid {$150.00} for a bridge I crossed OVER A YEAR AGO, without ANY notification or ANY indication that I owed money, FOR A YEAR. 

I know for a fact it does not cost {$150.00} to cross a bridge one time, they waited for this fine to increase by using fee 's for time not paid to increase the value I owed without notifying me of the debt FOR A YEAR and I'm not surprised in the slightest from the reviews. I am not the only person who has encountered this. They are scam artists and should audited, if not for me for all the other American 's who have wrongly been squeezed money out of by these " Attorneys at Law ''. It's despicable especially in light of recent events in the world. If my story isn't enough to convince you then maybe read some of these. 

Some of the stories from this company are far worse than mine ... 

https : XXXX I am not alone with dealing with this shady organization.. please do something about this or they will continue to do this to other Americans. I don't care to get my money back I would only hope nobody else has to deal with this cancerous company.
Product: Mortgage

XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) transferred mortgage loan account to Freedom Mortgage Corp. as a Debt Collector claimed XX/XX/XXXX payment had not been remitted. Subsequently, Freedom has rejected all indisputable documentation substantiating all payments remitted timely presented multiple times. The Freedom account perfect pay [ XXXX XXXX XXXX XXXX ] has been perverted to chronic delinquent-default status, and I have been subjected to harrassment, humiliation, intimidation at XXXX XXXX XXXX as the result of being deluged each month since XX/XX/XXXX with delinquent and default notices, hand-delivered notices posted on my front door and deluged with HUD foreclosure packets, while Freedom accrues late fees, submits negative reports to government and consumer reporting agencies. My losses incalcuable, irreparable. 

Note : Freedom has established pattern for targetting FHA Insured mortgages - see XXXX Prosecuting Atty v Freedom XXXX XXXX, XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX worked to resolve for over 3.5 years through HUD, XXXX XXXX XXXX XXXX since XX/XX/XXXX without resolve. XXXX  XXXX Complaints XXXX, XXXX. 

But, XX/XX/XXXX Freedom 's Escalation XXXX XXXX  XXXX # XXXX, XXXX # XXXX, admitted account current at time of transfer to XXXX  XXXX XXXX XXXX ( XXXX XXXX x XXXX ) and I. 

But, Freedom has not corrected and adjusted account from XX/XX/XXXX transfer to date.
Product: Mortgage

To Whom It May Concern, On XX/XX/XXXX, we received a letter from Specialized Loan Servicing, hereinafter referred to as SLS, that they were taking over the mortgage servicing of our consumer credit transaction. At the time we received that letter, our consumer credit transaction ( debt obligation ) was in default and contractually due for the XX/XX/XXXX payment. At that time, SLS did not have a legal and valid assignment to it prior to attempting to collect on our debt obligation in violation of California Fair Debt Collection Practices Act, hereinafter referred to as the Rosenthal Act, California Code of Civil Procedure, section 1788.13 ( l ). The chain of title leading up to who SLS says is the beneficiary of our debt obligation is flawed and void. We adamantly dispute the assignments that have been recorded in the county recorder 's office. Unaware of SLS violations under the Rosenthal Act at that time, we made attempts to secure a suitable loan modification agreement and we resumed making payments. After years of trying to secure a suitable permanent loan modification agreement, SLS denied us and we once again stopped making payments in XX/XX/XXXX. We have been recently made aware that SLS is not our creditor nor are they representing an entity that is our creditor. SLS is attempting to collect on a debt without the legal right or ability to do so in violation of the Rosenthal Act, California Civil Code section 1788.17. In their illegal collection attempts, SLS has filed a Notice of Default and a Notice of Trustee 's Sale due to non-payment on the debt obligation. The filing of these foreclosure documents are in itself a violation of the Rosenthal Act, California Civil Code section 1788.13 ( j ). SLS has misrepresented to us the status of the debt, the ownership of the debt, the amount of the debt, they are attempting to collect illegal fees and costs not authorized by the law or the contract, they have misrepresented amounts owed to the escrow account, they have assessed illegal foreclosure fees, and they have repeatedly threatened to foreclose on our property if payment is not made. Only creditors and/or their authorized agents may commence and complete a foreclosure in California. These are all violations under the Rosenthal Act, California Civil Code section 1788.13 and 1788.17. We have taken this matter up with the judicial system, however, Defendants are trying to disregard this matter judicially and so far they are getting away with it. We are filing this complaint in an effort to use all resources available to us as we continue the matter in the judicial system. SLS is blatantly disregarding federal and state laws and they should be held accountable for their actions. Their conduct is unlawful, unfair and deceptive.
Product: Credit card or prepaid card

Us bank shut down my account on XX/XX/2022. They claimed I used the card for business purposes. Confiscates my points and wouldnt allow me to get statement credit for them. 

Told them that all purchases were personal and not business related
Product: Debt collection

I have a negative account in which I do n't know about on my credit report for XXXX. I am not familiar with this account and it does not belong to me. It 's for almost XXXX and I have no idea how this mix up happened.
Product: Mortgage

This complaint is long overdue. I lost a home to foreclosure with Ocwen Mortgage Services. Home was purchased in XXXX using a VA loan benefit. Ocwen acquired the loan shortly after. In XXXX I suffered a work-related injury that had me off work for over 5 months, the majority of which was unpaid. Ocwen would not work with through this time. They would refer me to assistance programs and every time I sent the aid packages ( by mail and fax ) they would claim to never receive them and send me another package to fill out. Every financial aid request was dealt with in similar manner. This happened on at least 5 occasions. Ocwen would not negotiate any restructuring of payments, refused partial payments, failed to honor XXXX  gap protections that were part of my original mortgage loan, and after 3 missed payments they blocked me from online payment access, phone payment access, and wouldn't cash checks sent by mail. When I would try to call Ocwen reps would tell me I had to pay the full delinquent amount to be able to re-establish payment. I was not able to do that as I had only received 45 days of worker 's compensation from my employer at 80 % of base pay. I believe Ocwen acted in disregard of consumer protections and failed to consider or respond to financial aid benefits that were supposed to be available to borrowers during that time. They acted with callous disregard for my hardship, failed to honor XXXX protections that were present in the original loan, and refused to work with me on partial payments or any type of restructuring of the loan. Is there any recourse against Ocwen or their parent company? Have there been any class action settlements that I may have missed because I was basically transient after losing the home and had no firm address as a point of contact to receive information of this kind? This foreclosure also caused me the loss of my VA home loan benefit in the amount of {$39000.00} that I have never been able to repay. It seems obvious that Ocwen acted in a manner to intentionally force foreclosure despite all my efforts to try to work with them on a solution.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2023, and XX/XX/2023, Equifax allowed a dispute to be added to my credit report file by XXXX XXXX XXXX  against my will and was not authorized or disputed by me. This statement by XXXX XXXX has affected my credited worthiness and has harmed my ability to receive credit from other lenders. 

The account was Charged-off and there is no Account #. The amount is for {$1500.00}. If Equifax has proof of this dispute received from me, please forward it with your response to this complaint.