23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband expired suddenly in an auto accident on XXXX/XXXX/2013. His XXXX check paid our mortgage each month. I have been struggling to make make payments on my income alone. I bring home about XXXX a month and my mortgage is XXXXXXXXand is mostly interest. I was told I qualified for a loan modification by Ocwen loan Servicing which is my mortgage co. They then said I was denied by my mortgage co. Ihave asked XXXX times for the mortgage co. and have contacted them and each time the name and contact info was wrong. In fact this last company told me to contact you and they were very familiar with Ocwen doing this. In fact Ocwen does not actually have a physical address just po boxes. All calls go to XXXX and no one who answers the phone knows what is going on.
Product: Debt collection

On XX/XX/2018 Mobiloans attempted to contact me at XXXX and XXXX HST. prior to establishing who they were talking to they immediately advised via a recording that the purpose of the call was to collect a debt and any information gained would be used for the purpose. I stress that when they called and the phone was answered a recording played advising this was an attempt to collect a debt. There was not attempt to determine who they were talking to prior to the recording. 

I believe this is a violation of the FDCPA
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Sent that time this account has been updated as a charge off multiple times. This is an update in payment history this inaccurate information falsely manipulates the status of limitations. You have failed to properly investigate this account and your negligence has violated my rights. I sent the complaint out a few weeks ago about this issue and it still has not been resolved. I am demanding a deletion of the following account. 

XXXX account # XXXX
Product: Student loan

I 've been dealing with XXXX for years and I 'm at wits end. They 've lied to me repeatedly about whether or not my loans qualify for PSLF, what the status of my loans are, and what money I owe. I applied over 3 months ago to recertify in a income based repayment plan, and have been through several waves of contradictory information. I first talked to a person a couple of months ago who assured me that my loans were pending approval for an IBR plan and that I would owe {$5.00} for that month. A month later I was given a bill for a full standard repayment amount, which did n't make sense to me since I never transferred to this plan. I called and spoke to a person who also did n't know what was going on, but said that I could defer and the following month I would be paying on IBR. Now this month, despite filing to defer a month ( which I hated doing because I want to pay this loan down but XXXX forced me into it through their own incompetence ) my account now shows TWO bills of standard repayment and no end in sight for IBR. XXXX does not communicate, has not responded to emails, and has told me different contradictory information every time I 've spoken with them. 

As far as I 'm concerned, it 's not a matter of 'if ' but 'when ' for a huge class action lawsuit against XXXX, as I 've read countless articles and stories from people in similar situations and that must only scratch the surface of people in my shoes. They are incompetent mismanagers of federal loans that are having drastic impacts on people 's finances, including my own.
Product: Debt collection

I receive calls from PRA several times a day every single day 7 days a week. They took legal action but still call me every day. I filed a dispute and never received results from them. They call and pretend to me lawyers and threaten me with all kinds of things. Very unprofessional
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT AND DO NOT BELONG TO ME THESE ACCOUNTS WAS OPEN FRAUDULENTLY SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THEM I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the XXXX  XXXX  and XXXX XXXX XXXX for other possible violations of the law.
Product: Checking or savings account

I had the worst experience at Wells Fargo, I was just trying to open a personal account. I am an American citizen for a long time and for some reason I have a profile saying long time ago I had products with this bank as a XXXX XXXXXXXX, so they say they have to request an authorization from XXXX, which it is completely fine. The big problem is the worst customer service that I received. starting no one at the platform to help or for even greeting customers. Teller line with a huge lane and the teller just told me " I am sorry there is no one can help you today '', just like that and I wasn't even asking nothing yet. The image of Wells Fargo in that financial center is destroyed by the own associates. There is no Willingness to help, there is not client care. I requested to ask with the Manager, his name XXXX XXXX at XXXX XXXX XXXX, this Branch Manager just said sorry and as my case was an XXXX I have to wait A MONTH!! because that is how they work, and I know every bank is different but I know for a fact other banks gave an answer from XXXX almost immediately.So my question : Is this experience the best way to get new relationships, to get new clients? is this the best way to represent an good image for Wells Fargo. Also : Is it true that you have to wait so long to open an account ... an American citizen? 
And finally : how is it possible that a bank does not have associates to help customers, not even to answer questions? Do Wells Fargo banks only work by appointment? XXXX XXXX XXXX XXXX XXXX  I don't know nothing about Customer Service or Bank policies, but for sure Wells Fargo is not the right bank for regular customers. 
My only hope is to hear that my experience was just a misfortune. 
Thank you
Product: Debt collection

Basically in XX/XX/XXXX I moved into an apartment with my sister. By XX/XX/XXXX I moved out of the city, signing myself out of the lease. Unfortunately, my sister broke lease a few months later and was offered to move out and owe money instead of having an eviction on her credit. She agreed. The problem I have is that I was gone before XX/XX/XXXX, and yet on my XXXX report it says that as of XX/XX/XXXX I share responsibility in owing {$3000.00}. That 's ludicrous. My biggest problem, unfortunately, is that I did n't retain proof of signing off because, stupid me, I did n't believe I 'd need it. What can I do to get rid of this score leech on my report? Now that I 've lived on my own for 2 years successfully, I 'd like my credit score to not be in the red. 

On top of everything else, I received absolutely NO communication about this. I just happened to check my XXXX XXXX account and it just magically appeared there.
Product: Mortgage

I contacted Freedom Mortgage on XX/XX/2024 to inform them of my homestead exemption and to remove the excess amount that they charge me every month. They charge me {$590.00} a month in escrow every month and I am owed a refund. They still have not did this and continue to over charge me every month.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX Balance : {$23000.00} XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year>
Product: Credit card or prepaid card

In XXXX of 2018, Comenity Bank put a late payment on my account. This was an auto-pay issue. The creditor recognized this on their end because when I called to let them know I couldn't make a payment, a rep from the bank told me they had the same issue with other users. They told me to wait a couple of days and try again. Which I did and the payment went through. They also told me that they won't charge me a late fee or report the late payment which they never removed the late payment that was associated with the same issue. It popped up on the credit bureaus and has greatly lowered my score.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to inform you that I am victim of identity theft and therefore I am challenging the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block Except as otherwise provided in this section, 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 XXXX business days after the date of receipt by such agency of. 

I am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report. 
These accounts should not be furnished on my consumer report as they are in VIOLATION
Product: Debt collection

An account appeared on my consumer report name Debt recovery Solution and this is not my debt they are collecting on behalf of APP XXXX. I have never been to this hospital nor have I had medical treatment in well over 3 years and I have XXXX XXXX. I am a victim of identity theft in the pass and I have notified the XXXX major consumer reporting company.
Product: Mortgage

I have a HELOC with US Bank which are started back in XX/XX/XXXX. I have posted payment the first week of every month. I have late fees in XX/XX/XXXX and XX/XX/XXXX. The bank stipulated because I made the payment the first week of the month before the statement processed that the payment went to principle which made it look like I didn't make a payment. I talked with more that six different representatives and a manager over the last 2 months to correct this. The months I didn't get a late fee is because the payment was within the 5 day grace period according to the Bank. My normal payment is around {$1500.00} and I have always paid more than the balance due. This month showed a due amount of {$3800.00} for XXXX XXXX XXXX. The Bank supervisor on the phone said it can't be changed. This is not my fault and was never told to make payments after the 6th of each month. I made all of my payment online. I paid {$3900.00} on the XXXX because of what the Bank stipulated and I didn't want to ruin my credit with a past due amount over 30 days. This was not my fault and I have been making payment ever month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed the accuracy of these account with the Credit reporting agencies and Nelnet. Specifically, i disputed with Nelnet via the CFPB XXXX and Nelet is still using my nonpublic information. My personal information was shared without consent. On top of that, they are reporting incomplete and inaccurate details. 
I want the accounts removed from my consumer profile. XXXX alleges that Nelnet verfied these account as accurate Affidavit of truth attached. XXXX report attached
Product: Credit reporting or other personal consumer reports

I have mailed notices to the company on both XX/XX/XXXX and XX/XX/XXXX, instructing this company to remove the individual transactions and change the account disposition to " paid as agreed ''. 

I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : This company is in clear violation of the law. Under 15 USC 1681 ( b ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I : give you written instructions to furnish this on my credit report? No Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) G ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " '' consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any- report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; TRANSACTIONS ARE IN FACT NOT TO BE INCLUDED ON THE CONSUMER REPORT, PER CONSUMER LAW.
Product: Credit reporting

I 've had public record information that does n't belong to me removed from my credit report along with other accounts that do n't belong to me added back to my credit file. My file continues to consist of inaccurate information.
Product: Other financial service

Received faux notice stating " your XXXX XXXX XXXX account is over 90 days past due in the amount shown above, excluding any disputed and is scheduled to be cancelled and submitted for salary offset. The travel and transportation reform act, public law 105-264 of 1998 and CFR posts 301-76 authorized us to offset up to 15 % of your disposable pay "
Product: Checking or savings account

My card was locked. When I called they stated due to suspicious activity. They did not email, call or text me to make me aware they went and locked my account instantly. There was no suspicious activity. I asked for the protocol in this situation which they could not tell me because they didnt know what to do. My account has been locked since XXXX  and they asked for proof of my social security number and license which was provided with a reference number they needed. Still they did nothing. They then asked for my four digit pin which I have never heard of a bank ask for a four digit pin since thats supposed to be personal. I spoke to a supervisor who couldnt give any type of information. Everyone I spoke too has been clueless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt amount is wrong and account should be closed. They are counting my available credit as debt when they should have closed this account
Product: Debt collection

Company calls multiple times a week, I owe them a debt. I do not have an active account and I have asked them to stop calling. I do not owe them money. 

Contacted me XX/XX/18, XX/XX/18, and XX/XX/18
Product: Debt collection

Hello I have ENHANCED RECOVERY COMPANY which is under XXXX, I have returned the equipment they have asked me for and they only took off XXXX when it was suppose to be XXXX. I asked XXXX multiple times to send me exactly the bill so I can see why I owe as much when they disconnected my phone so I shouldn't be charged for those month I didn't have service I wasn't on a contract or anything so I am so confused on why my bill is so high. I spoke to a lot of people to see and no-one is able to send me bills proving i owe this money. I have interaction code XXXX, INTERACTION XXXX, Interaction XXXX Every time I call there is a different story first it took them a year to send me a return package they told me that I was able to drop my phone off at XXXX  but every XXXX  store I went to they said they were allowed to take my phone, Its just so much run around and false communication on there part. They try to charge me for a XXXX  that I didn't even have with them it was a unlock phone. This is the second time I've had problems with XXXX my last account I had with a spouse I paid my balance so we can take each other off which was XXXX $ I don't think its fair I have to do this again because I didn't care what i spent i just needed a phone that's why this time I will not just let it slide.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXXXXXX 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

Oportun/XXXX  credit card opened in my name and now has a owed balance of {$350.00}. I have no aware of this card and would like it to be removed from my credit asap. XXXX XXXX XXXX, Im not sure what this is on my credit report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to say thank you Consumer Financial Protection Bureau and thank you for your help in protecting consumers against fraudulent acts of companies. I recently reviewed my credit profile and .... I would like to inform you of violations of the FCRA that this company has commited. This company has violated statute 15 USC 1681a ( 2 ) ( B ) of the exclusion section of consumer reports for the account number XXXX*** To remind this company of this law I have included it here. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Let me also remind this company of the definition of " credit card '' that's defined under the Truth in Lending Act 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I did in fact receive a credit card from this company to obtain money on credit. This company provided me this credit card, I was approved and this company provided me directly an extension of credit that originated from me, the original creditor that's defined under the Truth in Lending Act ( TILA ), which also makes this company a creditor. This information that this company is reporting on my credit profile must be excluded and they must delete their tradeline immediately. I have attached a description of the tradeline that should be excluded from my credit profile.
Product: Debt collection

In accordance with the fair Credit act COMENITYBANK/VICTORIA That is reporting different account numbers to all XXXX credit bureaus has violated my rights. Per fair Credit Report act Laws you can't have a pass due balance on a closed XXXX XXXX account. 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 card or prepaid card

I recently received an email from Capital One re : my credit card with them ending in XXXX. 
The email threatened that they may reduce my available credit amount on this card if I don't start using the card ( even though I have an excellent credit score which could be adversely affected by a reduction in credit. ) I have other credit cards with Capital One and those have balances on which I make regular payments in excess of the minimum amount due so I don't understand the intimidation tactics being employed by Capital One via its email threatening to lower my amount of available credit ( {$15000.00} ) on this particular card unless I start using the card. Moreover, Capital One added insult to injury by telling me that I can forestall this threatened lowering of my available credit amount ( & negatively affecting my credit rating ) by promising to significantly start using my card in the future. 
Whoever came up with this insulting tactic of threatening good Capital One customers who have regularly paid on their cards because we are not using our cards enough should be fired. I did capitulate to the Capital One threat by calling their automated number and indicating that I will significantly increase my spending on this Capital One card, however, I am now considering paying off all my Capital One cards and closing all accounts with them because of this insulting email they sent out threatening good paying customers.
Product: Debt collection

This account originated from XXXX XXXX XXXX XXXX. This account has been sold to three different collection agencies and inaccurate information has been placed on my account and I lost 75 points in total off of my credit score and I was refused a loan because of them. This same account was placed on my account twice by two different collection agencies at the same time after they sold the account to another collection agency. In addition, the amount that I owed was changed from XXXX to XXXX dollars. This information was reported on my credit report by another collection agency. Secondly, Common Wealth Finance keep re - aging the same account and confirming that this information is accurate when it is not during every dispute. This is a clear violation of the Fair Credit Reporting Act and my rights. Lastly, I am requesting since they have violated my rights more than once that this information be removed from XXXX XXXX, XXXX   and XXXX  credit bureaus immediately. TThank you for your assistance in this matter. My contact information is XXXX XXXX, XXXX, Georgia XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the the Fair Credit Reporting Act XXXXXXXX XXXX XXXX account # 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. also states a consumer reporting agency can not furnish a account withought my written instructions.
Product: Credit reporting or other personal consumer reports

When I checked my credit report last month for the first time, I discovered that a credit card account was opened fraudulently on XX/XX/XXXX using my name with a false address. I promptly submitted a dispute via two of the credit agencies XXXX and XXXX. However, in both cases, the lender verified that the information was correct, and as a result the delinquent account, which the lender has charged off as of XX/XX/XXXX, continues to adversely impact my credit rating. The lending company is listed below, and I have never done any business with them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX