23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is my XXXX complaint against my mortgage company. For this complaint, I called last XXXX to get information for a Deed in Lieu of Foreclosure. I was told by the agent that I had to attempt a short sale XXXX for XXXX before a Deed and XXXX could be considered. Speeding up on the same subject, about XXXX months ago I requested information for a short sale. The information provided had all work out options including Deed in Lieu. I read the information for a Deed in Lieu and it did not say anything about having to do a short sale. I called again and spoke to a representative and agreed with what the paperwork said. She tried to go back in the notes to see why he would tell me that but she said she said since my account transferred to a new system, she did n't have access to anything earlier than XXXX 2014. How convenient. She said I can still attempt a Deed in Lieu but since my house is already up for sale I just wanted to finish out this option first. After submitting the shortsale information, I received correspondence stating that they received my request for a loan modification and I will receive additional information for what is needed. I clearly filled out the information for short sale and not a modification. I added the information for my realtor and her contact information, giving permission to speak with her. Then I received a letter from an Attorney basically suing me and I had to respond to the Answer, which I did. I called last Wednesday and the lady at the law firm could not find anything for me, not even a file. She transferred me to XXXX which just happened to be a mailbox, I explained I just wanted to verify again that it was received. If not, then I can fax the information over. I did not receive a call back, letter or anything. What I did receive today was a Motion for Default Judgment because I failed to respond. I called the law firm again and they were closed. I called the mortgage company, and of course he had no information on file. He suggested I speak with the short sale department and explain the judgment to see what has happened. He transferred me and they were closed. I ca n't deal with them on my own anymore. I keep trying to do the right thing and just not walk away, and sell the house and not leave it empty, but I still keep getting the incorrect information. That is not fair to me at all. I am trying to do right and have a lot of things on my plate besides this and I am still getting screwed. I do n't have the money to hire an attorney but if I have to I will make sure Ocwen absorbs the cost. I have done everything I was suppose to do and I still get sued.
Product: Student loan

MOHELA is horrible. I sent in a message XX/XX/2022. Requesting a refund on the payments Ive made during forbearance. I instead decided to call and handle it quicker. I was on hold for XXXX minutes  but was told Id be approved in XXXX  days, and be refunded in XXXX  days. 
I sent a message XX/XX/XXXX requesting an update. I sent another message XX/XX/XXXX. I sent a complaint message XX/XX/XXXX. I sent another complaint message XX/XX/XXXX. Ive never received a single reply from any of the messages sent. I have called every day at least once and at different times for the last XXXX weeks and there are XXXX minute wait times to speak to someone. Once you finally get someone on the line, they hang up on you. This is getting absolutely ridiculous. 
Again, MOHELA is horrible.
Product: Prepaid card

I got a {$1000.00} American Express gift card on Monday, XX/XX/XXXX. I went online to activate and register it and then proceeded to try to use it. To date I have only been able to use it once at a physical restaurant. It has otherwise been declined 11 times at both online and physical store locations ( XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. ). Additionally, every time it declines a transaction, it deducts {$.00} from my balance. I have called Amex several times over the last few days and they have repeatedly told me that it is the retailer 's fault - that there is nothing wrong with my card. However, every retailer is declining the charge and telling me that Amex is not allowing it to go through. I currently have {$910.00} left on the card and I would like to be able to access that money. Based on other CFPB complaints, it seems I am not the only person to experience this issue.
Product: Credit card or prepaid card

I've had a Capital One MasterCard for over a year now. I began with a {$300.00} credit limit. The first time that I requested an " online '' increase on XX/XX/17 resulted in a denial. The explanation provided didn't make any sense ( see attachment ). In XX/XX/XXXX, I submitted another " online '' request which resulted in a {$100.00} increase. I've made a majority of on-time payments on this credit card. I've always paid 3 - 10+ times more than the minimum monthly payment of {$25.00}. I've paid the card off in FULL several times. Despite all of this, I've never received an " automatic '' or promotional increase from Capital One. On today, I spoke with a representative by the name of XXXX with their Executive Resolution Department who was rude and defensive from the very beginning of the conversation. She didn't prove to be helpful at all. She even refused to let me speak with her supervisor.
Product: Credit reporting or other personal consumer reports

I have sent letters explaining to remove information from my credit report due to the account closed for a long time. also my personal information was impacted in the XXXX Data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  never showed proof of their investigation with XXXX. I asked them to investigate an Issue. I also told them to provide me with the original contract from the original Debtor with my signature and XXXX  failed to do so. They sent me a later stating that the information is updated which should of been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This report is not filed by a Credit Repair company or a 3rd Party and is this is not a DUPLICATE Complaint. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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 Account Name : US DEPT ED Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account XXXX XXXX Account Name : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent remove in my report and found that I need to visit FEDERAL TRADE COMMISION orXX/XX/XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any remove listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XX/XX/XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX BALANCED {$2800.00} XX/XX/XXXX XXXX XXXX {$4800.00} XX/XX/XXXXXXXX BALANCED {$790.00} XX/XX/XXXXXXXX BALANCED {$670.00} XX/XX/XXXXXXXX BALANCED {$0.00} XXXX XXXX/XXXX/2023 XXXX XXXX/XXXX/2023 XXXX XX/XX/year> XXXX XX/XX/year>2023 XXXX XXXX/XXXX/2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX/XXXX/2023 XXXX XXXX/XXXX/2023 XXXX XXXX/XXXX/2023 XXXX XXXX XX/XX/year>2023 XX/XX/XXXXXX/XX/XXXX XX/XX/year>2023 XX/XX/XXXX XX/XX/scrub>/2023 XX/XX/XXXXXXXX/XXXX/2023 XX/XX/XXXXT XX/XX/year> XX/XX/XXXXXXXX/XXXX/2023XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/scrub>/2023 XXXX XXXX/XXXX/2023 XXXXXX/XX/XXXX XX/XX/scrub>/2023 XX/XX/XXXX/XXXX/2023 XXXX XX/XX/year>2023 XXXX XXXX/XXXX/2023 XX/XX/XXXXXXXX/2023 XX/XX/XXXX XX/XX/scrub>/2023XX/XX/XXXX XX/XX/scrub>/2023 XX/XX/XXXX XX/XX/scrub>/2023 XX/XX/XXXXXXXX XX/XX/year>2023 XXXX XXXX XX/XX/scrub>/2023 XX/XX/XXXXXXXX/XXXX/2023
Product: Credit card or prepaid card

Ok, so my sister created my username and password for me and that was fine with me! Then sometime, a good while before XXXX ( I don't remember the dates and can not look as they have me totally blocked from all account access ), I was just browsing my account and switching my personal information to the accurate contact info, and then all of a sudden my card and account are completely locked, blocked, frozen, however it is whenever you can't even log in! So I called customer service and they were asking me what my previous username and email and phone and stuff were so I told them. To the best of my abilities, not knowing that it was going to be wrong. So I immediately call and I tell my sister what had just happened and when she told me what she provided to them for my personal information, it's the exact same things I verified with the fraud management department! So at this point, they tell me I have to submit proof of identification and social and birth certificate. So I send them what they ask for and then they tell me that I did not pass their identify verification process and that I have to call the SSA, go through what they called a XXXX  process, have SSA fax them the results, and then I should gain back my account access. After speaking with the SSA I learn that they do not and will not fax anything on behalf of anyone. I'm really lost in figuring out what to do about this. Please help me out! Thank you! 

P.S. XXXX  forgot to mention that there are also over {$5000.00} in unemployment benefits accrued too, or should be anyway.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX  AND XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXXXXXX AND XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I was diagnosed with XXXX in XX/XX/XXXX right around the time the pandemic began. Throughout the time that student loans have been paused, I have been dealing with health issues and accumulating medical debt. Since my XXXX diagnosis, I have had multiple surgeries and and trips to doctors so my expenses have been significant. I had to decide between paying medical debt which does not accrue interest or paying down my student loan XXXX and finally seeing the XXXX decrease for the first time since I started paying 10 years ago. I paid nearly {$5000.00} into my student loans since the pandemic and it has not been easy but I had to make a choice that best helped me decrease my debt in the long term. With the announcement of the student loan forgiveness plan, I will be eligible for $ 20k forgiveness and that covers my current XXXX plus the money I put into the loan. I have requested a refund of all moneys paid in since XX/XX/XXXX but my servicer, Nelnet, is dragging it's feet processing my refund. They are purposely delaying my request and will be putting me in a position where I may not be able to request the refund if my forgiveness goes through first or will not have option to pay that back in if it is the not the amount I am expecting. I have called and have been lied to about the process. I first requested the refund on XX/XX/XXXX and was told I would have a response in a week. 3 weeks went by and I followed up and was told that it would be 4-6 weeks for a response and then an additional 4-6 weeks for a refund. Thats almost 3-4 months! I believe they are unfairly and intentionally dragging out this process for their benefit ... it is a delay tactic and it will have severe consequences for many of us that are hopeful this forgiveness program will help us reduce or eliminate debt in hopes of building a better future.
Product: Credit reporting or other personal consumer reports

Collection : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antidotes the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my credit without my permission
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 Speedy cash withdrew XXXX from my account. And I did not give them authorization to do so. They need to show a present contractual obligation for them to do so from that account. This is theft, if you take something that you don't have authorization to receive. Shame on you speedy cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The companies listed below 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Amount {$300.00} Balance date Account designator code Individual account Account number XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  Date opened XX/XX/XXXX Amount {$560.00} Account designator code Individual account Account number XXXX XXXX  XXXX. XXXX XXXX Date opened XX/XX/XXXX Amount {$590.00} Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXX XXXX. XXXXXXXX XXXX  Date opened XX/XX/XXXX Amount {$620.00} Status date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX
Product: Payday loan, title loan, or personal loan

Duvera Billing Services is incorrectly reporting a debt in the amount of {$1000.00}. Their records show an account was established on XX/XX/2015 for an Installment Sales Contract loan.Their records show that 13 % of payments were made as they automatically deducted the amounts from checking account after numerous attempts to change payment terms, frequency and amount. I was told I could change the billing frequency and due at any time and then was told nothing could be changed. Upon review of the application and credit report, I determined that the loan was granted because the store fabricated information in the app to get me to qualify for the Installment Sales Contract.  They lied and said I was a manager and changed income amount from what I reported. I saw they misspelled my employer name and lied and said I was a manager when in fact a Host. The store advertises everyone approved because they are adding things to consumer apps to get them qualified for a Installment Sales Contract and are not properly explaining the repayment terms and are doing business unethically. The payments were only made because I they automatically deducted from the account I provided and I hate to put a freeze on the account because they said that I could make new arrangements but kept deducting payments.They need to make sure they are doing business ethically and not lieing to consumers and ruining credit. The collection could have been avoided if I was not lied to about being able to change payment arrangement due dates and frequency.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received this email from them : " Please be informed that a business decision has been made and your account has been closed due to our internal policies. Unfortunately, due to our privacy policy we will not be able to provide you any more detailed information. '' They took all of my personal information and private business information as an application and then denied without reason.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

Details are as follows : collection/charge off XXXX Account Number : XXXX XXXX CARD Account Number : XXXX XXXX CARD Account Number : XXXX XXXX Account Number : XXXX XXXX CARD Account Number : XXXX XXXX CARD Account Number : XXXX late payment XXXX XXXX XXXX personal information Previous Address ( es XXXX : XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current XXXX ( es ) XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX X CANCEL XXXX XXXX, CA
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have called my mortgage company numerous times reliance first capital to figure out how I can get back on track Ive left messages I sent email today and nobody is calling me back. I cant get in touch with anyone its like Im set up to fail.?? I just need a a couple months to get back on track. I had a hardship with my vehicle and its cost me over XXXX out of pocket over last 5 months.
Product: Checking or savings account

I am writing to let you know about an ongoing issue I have been having with my debit card. Despite multiple attempts to rectify the situation, I await a satisfactory resolution. 

My card was used without authorization at a XXXX store in Georgia on XX/XX/year>, which resulted in my card getting compromised. Wells Fargo had issued a replacement debit card as a result, but upon inspection, I noticed that it had the same compromised card number, making it unusable. I immediately contacted Wells Fargo 's customer service to report the issue and requested a replacement. They assured me that they would send a new card via XXXX but unfortunately, they failed to do so. Therefore, I need to call Wells Fargo to follow up on this matter. 

again today, XX/XX/year> and file a complaint : XXXX Despite assurances that a replacement card would be expedited, I still await a corrected card. This delay has caused significant inconvenience and frustration as I rely on my debit card for day-to-day transactions. 

I tried to fix this problem through various channels, including multiple calls to customer service and visits to a Wells Fargo branch. Unfortunately, these efforts have not yielded a satisfactory outcome. 

As a loyal Wells Fargo customer, I want to resolve these issues quickly and efficiently. However, the need for progress in resolving my debit card problem has left me very dissatisfied with the level of service provided. 

So, I would like to ask Wells Fargo to take immediate action to fix this situation by issuing a correct replacement debit card without further delay. Also, I would appreciate a formal acknowledgment of this complaint and an explanation for the delay in resolving the issue.