23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

EQUIFAX : XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Fraudulent Accounts Due to Identity Theft Request for Removal Within 4 Days Dear EQUIFAX, I am writing to dispute fraudulent accounts appearing on my credit report, as I am a victim of identity theft. Under 15 U.S.C. 1681c-2 ( Section 605B ) of the Fair Credit Reporting Act ( FCRA ), you are required to block and remove information resulting from identity theft within XXXX business days of receiving this request, along with supporting documentation. Below is a list of fraudulent accounts that do not belong to me : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ACCOUNT NUMBER ( XXXX ) XXXX & XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ACCOUNT NUMBER ( XXXX ) XXXX  XXXX/XXXX  ( XX/XX/year> ) XXXX XXXX XXXX XX/XX/year> ) To comply with Section 605B, I have provided the following required documentation : Identity Theft Report : Filed with the Federal Trade Commission ( FTC ) .

Proof of Identity : Copy of my government-issued ID and Social Security card . 
Proof of Address : [ bank statement. ] I demand that these accounts be blocked and removed from my credit report within XXXX business days, as required by law. Please confirm in writing when this action has been completed. Failure to comply with this timeline will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any other legal remedies available to me. 

SINCERELY XXXX XXXX
Product: Credit card

I XXXX XXXX was never informed about the other features especially about the

360 increase offer. I wasn't offered, or knowledgeable about feature. Which has me concerned about other offers or features I'm unaware of. ( Also confused on my I'm paying on my on money unsecured credit for 6 months when before joining Capital One I was informed 3 to 4 months of good payments would be max limit. Thank You
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX/ XXXX XXXX XXXX, # XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX, # XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft, identity report number # XXXX ACCOUNT Informations : XXXX XXXX {$2400.00} XXXX XXXX {$790.00} XXXX {$1400.00} XXXX XXXX {$17000.00} XXXX XXXX XXXX
Product: Mortgage

In 2013 I had modification done on my home mortgage due to a financial hardship brought on my medical issues. I did it to lower my interest rate and make my payment more affordable. Ocwen mortgage services my loan and has for several year. They offered a XXXX Modification. That was the only option they offered. They said that if I sold the property or refinanced they would take a portion of the equity in the home as payment for me being able to reduce my interest rate. the reduction was only about 1 %. I asked at the time if the XXXX was based on the current value of the home or if it would be based on future value. The Ocwen rep told me it would be based on current value. When the sent me the paper work to sign a rep From Ocwen was on the phone with me at signing to go over all the details, when we got to the portion of the paperwork that discussed the XXXX amount I asked, again before I signed if it was to be based on current or future value. Once again I was told it was based on current value which would be about {$2000.00}. I signed based off of the information I was given twice by there rep. I am currently trying to refinance and cut my interest rate by more than half. When the mortgage service I am going through got the pay off from Ocwen it has an additional {$13000.00} added to it for the XXXX. When I called them to asked how it jumped to that amount they told me because of the current home value. When I asked why they were taking current value instead of the value of the home in 2013 they said because that was what the agreement stated and they refuse to lower the amount. I explained what I was told twice by THEIR rep what the amount was based on and they pretty much told me tough luck, even though their rep was supposed to know more than me and be able to answer my questions knowledgably and gave me false information. I would just have to deal with it and if I wanted to refinance that I would have to pay the extra {$13000.00}. Because that amount raises my LTV so much I am not able to have the loan refinanced because it puts me out of compliance for a new loan. So therefore I have to stay with Ocwen at a higher rate,, and payment and the more my home value increases the more they can take from me. I think when you are closing on a loan, refi or modification and you do n't understand something on the contract and you specifically asked the rep a question and are given a specific answer they should have to stick by the answer given by their rep. After all, the are the experts, not me. I feel like I have been grossly mislead and taken advantage of my Ocwen Mortgage services.
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. 

US DEPT ED : # XXXX XXXX  : # XXXX XXXX/XXXX  : # XXXX XXXX  : # XXXX XXXX  / XXXX  : # XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX : # XXXXXXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ) : # XXXX XXXX XXXX  : # XXXX XXXX  : # XXXXXXXX XXXX : # XXXX XXXX  : # XXXX XXXX  : # XXXXXXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX  : # XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

FINAL NOTICE! I am writing to express my distress regarding the inaccurate information included in my credit profile. Your failure to maintain reasonable procedures to ensure maximum accuracy in the credit reports you publish is a violation of the Fair Credit Reporting Act ( FCRA ) and federal law. 

I request that you immediately block and remove all inaccurate information from my credit report and provide me with an updated copy. 

Under the FCRA, any disputed item can not remain on my credit report without supporting evidence. I would like to remind you of the following relevant laws : 15 U.S. Code 1681n : Civil liability for willful noncompliance 15 U.S. Code 1681o : Civil liability for negligent noncompliance 15 U.S. Code 1692k : Civil liability for violations related to debt collection practices I am entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ), which states that a consumer reporting agency must provide written notice of the results of a reinvestigation within five business days of completion. 

In accordance with the FCRA, any inclusion of late payments or derogatory statuses is a violation of 15 U.S.C. 1681a ( d ) ( 1 ), which excludes reports detailing transactions solely between the consumer and the reporting entity.
Product: Student loan

I received a payment due of XXXX I reached out to the lender and explained I can't afford that high of a payment. They then calculated a repayment and now they want XXXX. I can't afford that amount, and sustain my rent, house bills. I have contacted them 6 times regarding the payment they had me do a consolidation which I never received a call or anything from them, they never return calls, and I can't afford the payment they want me to pay. I have worked on and off for the past 4 years with my current job being the longest, months right now. I want to repay my loans but I can not afford the outlandish payment they want me to make monthly. Help me please
Product: Checking or savings account

The people responding to my complaint regarding XXXX  and unprofessional employee XXXX XXXX. There was no problem with my account to begin with, until XXXX XXXX falsely accused me. It seems to me still their not fully grasping my details of my complaint. Why would they say I would be better at another bank. It's because they do condone the unprofessional and criminal harassment from XXXX XXXX & her co-workers that are associated with her. Because she slandered my name to them which got them to hate me & the bank themselves. Why was XXXX XXXX at that specific branch on XXXX XXXX in XXXX XXXX. Her co-workers working in the bank were involved in setting me up to be arrested. The people responded are still choosing to side with XXXX XXXX and her lies & falsely accusing me of harassing her. They would be gladly to compensate me for what their employee has put me through. I never wanted a account to begin with. But in XXXX I had hail damage, to my roof my insurance company used them. So I had to go in and to try and cash my check. But XXXX XXXX slandered me & all them employees stared me down acting like how dare me. This banker named " XXXX XXXX '' forced me to opened a checking account. I didn't want a account in the first place. This is why I am still so angry about how wells fargo employees treated me, then they pulled this mess to have my checking account closed 1 year later on XX/XX/XXXX when I couldn't log into my online account. I called wells fargo & they told me to go into a branch to open a new one. I know now it was a set up and XXXX XXXX was meddling into my private financial matters. This is why I had asked them for monetary damages for me losing my checking account, based on lies from XXXX XXXX saying I was harassing her at the bank. While I was taking care of my own banking business. She was having her fellow friends co-workers stalk & harass me so she could be in the bank while I was finishing up XXXX letting my new account open. I hardly had it open when I tried to purchased something & I had no idea what was going on. I don't think this is right to do people to embarrass them. 

If banks say they have a right to close your account, over their employee who is harassing you & falsely accusing you. Then I will be spreading the word about how wells fargo conducts business and how they really treat people. I have every right to be angry about the way I have been treated. I have done nothing to XXXX XXXX. XXXX XXXX rushed to judgement without investigating XXXX XXXX lies against me. He had malice towards me which is why he sent me a demeaning hostile threatening letter demanding me I stay out of the wells fargo where I had run into XXXX XXXX. XXXX XXXX  doesn't want me to have anything not even a checking account, so she used her power to get my account reported to check care systems so I can't have another account. Wells fargo is still defending their bad employees like XXXX XXXX. And they do condone this type of behavior.
Product: Credit reporting or other personal consumer reports

National Credit Adjusters , LLC XXXX XXXX XXXXXXXX XXXX, KS XXXX Has been paid for the following accounts : XXXX and XXXX. 

Consumer paid Collection agency in settlement via their website for above mentioned accounts. Per National Credit Adjusters Website, they will delete trade line from consumer credit report supposedly. Account XXXX is still not deleted from consumer report even after payment. It doesnt take NCA 60+ days to report negative tradeline on consumer credit report to all XXXX major credit bureaus, it doesnt take them that long to remove it. Per NCA website : After Your Account is Paid For those accounts that NCA credit-reports, our policy is that 60-90 days after the account is satisfied, we request that the credit bureaus delete our tradeline. Before then, you may notice a paid-in-full status 30-45 days after its paid via XXXX is their policy. This settles the matters in NCA office and they are dismissed. NCA has been notified via emails sent XX/XX/24 and XX/XX/24. Consumer disputes debts officially reported on Credit reports, there is no reason it takes that long for NCA to remove a derogatory tradeline. 

NCA is still reporting false debt on consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX PA XXXX date opened XXXX XXXX this paid in full and sold to another company. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and mortgage fraud and identity fraud. XXXXXXXX XXXX  taking XXXX  out on my name without my content which is identity thief, XXXX fraud and mortgage fraud.
Product: Credit card or prepaid card

After thorough research, I determined that Wells Fargo Autograph Card is the best card that fits my need. So I applied for this card on XX/XX/XXXX. The application was declined quickly based the following reasons : 1 ) oldest account has not been opened long enough ; 2 ) not enough open revolving credit cards with high credit limit ; 3 ) amount owned on bank card is too high relative to the available credit limits ; 4 ) too little time passed since the most recent credit card was opened. I explained the reason and asked for a reconsideration of just issuing a credit card with {$500.00} limit to start the relationship. It was declined again.

I explained that 1 ) my oldest credit card was opened in XX/XX/XXXX and it's been in good standing for 2 years ; 2 ), I have three credit cards open right now, with one credit card limit of {$10000.00}, and the other two are {$5000.00} and {$1000.00} ; 3 ), I only have 1 out of 3 credit cards carrying a balance of {$2500.00} which was paid down today ; The other two cards have no balance ; 4 ), my most recent credit card was opened half a year ago, I was planing to stop using that card once I get this card.

I believe the above reason are substantial enough the meet Wells Fargo unreasonably high standard. 

Application reference number : XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that are reported on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did get a loan from XXXX XXXX in XX/XX/XXXX of XXXX. That hard inquiry is valid, however the other two from XX/XX/XXXX and XX/XX/XXXX of XXXX are not. 
I did get a loan from XXXX on XX/XX/XXXX of XXXX and did pay it off, but the hard inquiry from XX/XX/XXXX is not XXXX I made. 
XXXX XXXX hard inquiry is not one I made. 
The XXXX hard inquires on XX/XX/XXXX and XX/XX/XXXX are not ones I made. 
The XXXX XXXX XXXX XXXX hard inquiry from XXXX XXXX is not one I made. 
The XXXX XXXX XXXX XXXX from XX/XX/XXXX hard inquiry is not one I made. 
The XXXX XXXX from XX/XX/XXXX is not one I made.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due   XXXX  ,  XXXX ,  XXXX , 60 days  XXXX , 30 days  XXXX ,  XXXX ,  XXXX ,   XXXX  ,  XXXX ,   XXXX   through  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I got an email from XXXX I will attach it to this complaint for review it says make a payment of {$350.00} before XXXXXXXX XXXX or it will be reported 30 days late. No problem I made the payment on XX/XX/XXXX at XXXXXXXX XXXX I will attach the receipt. Now I got alert from the credit burus that bridgecrest reported this loan 30 days late because of {$39.00} past due but thats not what they wrote in the email I paid them what they ask for actually a little over. This is not right I want them to reverse this because they lied to me in the email.
Product: Checking or savings account

I Am Writing To File A Complaint Against Navy Federal Credit Union Regarding Multiple Overdraft Fees And Late Fees Towards Credit Card Which Has Impacted My Credit Score. Despite Having Sufficient Funds When Transactions Were Authorized. I Was Charged Fees Do To The Lagged Posting Of Charges & Credits.This Issue Aligns With CFPB Recent Findings Against Navy Federal For Similar, Where Transactions Settled With Insufficient Balances Despite The Initially Available Funds. I Believe These Practices Are Unfair And Would Like To Request An Investigation On My Account Transactions.
Product: Debt collection

This complaint is against a debt collector who refuses to validate this debt that they are claiming I owe. This debt is more than ten years old. It has been filed in a state which I am not a resident. Currently they are garnishing my pay and making it impossible to pay my bills. I have called the original creditor several times and they themselves have stated I have never had an account with them. I dont know what else to do to stop them from taking money I do not owe. They have filed a motion to garnish over {$1700.00} on a debt I do not owe.
Product: Prepaid card

It is becoming well known that XXXX XXXX Incomm giftcards are being declined everywhere. I am not able to use my XXXX XXXX  giftcard for my needs. It is very challenging to get a hold of any of their associates so I want a check for my XXXX XXXX since I keep getting thrown for a loop.
Product: Debt collection

XXXX has failed on complying with the CFPB rules on : Early Intervention ( XXXX XXXX  XXXX ) A servicer must establish or make good faith efforts to establish live contact with a delinquent borrower not later than the 36th day of the borrowers delinquency.12 As clarified in CFPB Bulletin 2013-12,13 servicers are required to make good faith efforts to establish live contact for each billing cycle for which a borrower has been delinquent for at least 36 days. A transferee servicer must begin or continue the good faith efforts regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. A servicer must provide to a delinquent borrower a written notice containing certain information not later than the 45th day of the borrowers delinquency.14 A transferee servicer must comply with the written notice requirement regardless of whether the delinquency began while the loan was being serviced by the transferor servicer. XXXX waited for one full year before contacting me about the loan even though I sent a CFPB complaint to XXXX  within weeks of the transfer notice.
Product: Student loan

Mohela is THE most incompetent company I have ever had the displeasure of dealing with. 

1. Some phone numbers listed on the contact us aren't even correct : XXXX - what even is this? Why was a woman trying to tell me I qualified for a device in case I fell and needed help? I hung up. ( And yes I triple checked to be sure I dialed the correct numbers ). 

2. Once you find the correct number to call, you are forced to listen to an obnoxiously long automated voice without ever giving an option of speaking to a representative. You have to select a number that doesn't apply to you, just to listen to more nonsense, before suddenly being transferred. The wait time is ASTRONOMICAL. 

3. THE INFORMATION IS DIFFERENT DEPENDING ON WHO YOU SPEAK TO. I do not need to explain how wrong that is. 

4. Most people are in training, and no one who can actually help is ever available. I was on hold for over 40 mins and had to hang up before I got to speak to the " senior representative '' who was going to talk to me about forbearance while await PSLF to go through. No one has time to be on hold for that long, especially without the option of a call back. 

5. The customer 's account page is a joke : a. why would my account say I'm in " good standing '' when really it just means my consolidation hasn't gone through? b. why would all my balances say {$0.00} when really it means my consolidation hasn't gone through? c. WHY ISN'T THERE A NOTICE ON MY ACCOUNT THAT EXPLAINS ALL OF THESE THINGS RATHER THAN FORCING ME TO CALL AND SUFFER THROUGH THE MOHELA EXPERIENCE TO HAVE A REP WHO IS MOST LIKELY IN TRAINING TRY TO EXPLAIN IT ALL? d. why does my IDR consolidation application say " canceled '' on my documents received page when in fact it means it was " manually processed '' WHY DOESN'T IT JUST SAY " PROCESSED ''? 

6. It takes way to long for someone to respond to a message- about a full month or longer in some cases. 

7. No one is reaching out to customers to share one time account adjustment info. If you happen to suffer through calling Mohela and actually getting to speak to a minimally competent representative, ( and if you're lucky - like I was ) you may be told that your remaining loans that you were always told weren't eligible for PSLF ( or they would be but would start back at XXXX ), actually are now if they're consolidated. I took it upon myself to tell other borrowers I know all this. They looked at me like I was crazy bc WHY HADN'T THEY HEARD ABOUT THIS FROM PROFESSIONALS? 

It's really not difficult to have accounts accurately reflect what is happening for the customer. The need better ACCURATE COMMUNICATION : " hey, we saw you applied for consolidation - here 's what's going to happen to your account in the meanwhile... ''
Product: Credit reporting or other personal consumer reports

I keep getting the run-a-round oh were really busy but we have you in line and will be addressed... never receive a call to work my access to experian works! its been an ongoing unable to access past 3+ months.