23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I did not know what option to check as it did not list what happened to me just today. 

I have not gotten any recent mail or notification from a collection agency called AAA Collections. 

I have not spoke with anyone or authorized any payments or payment plan Some how, some way they just took the amount of {$380.00} out of my bank account. 

Again I never authorized payment, I never gave them my bank account information. 

Let alone right before XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In   XXXX   of 2017, I paid back a medical in the amount of  XXXX . The creditor   XXXX   XXXX   XXXX   XXXX   advised me that once the amount was paid, the trade line would be removed from my credit. As of today,  XXXX / XXXX /2017, the trade line remains and has not been updated AT ALL. It is continuing to impact my credit when I was advised it would no longer. Instead, this company left the full amount on my credit report and just stopped providing updates, which is an FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is saying to many number of accounts with delinquency and serious delinquency I was late on a school loan years ago It should be off by now
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards accounts being reported by Experian, XXXX and XXXX. I sent a letter back in XXXX to all three companies asking for all unverified and inaccurate accounts to be removed. I've only received a reply from XXXX in which they said the accounts were verified, however I've never signed off or consented to any verifications. I am still awaiting replies from Experian and XXXX. I will be replying to them with a follow up letter this upcoming week. 

I've also been receiving an increase of unsolicited calls and letters from creditors since my initial contact with the bureaus. I found this quite unusual being as though my information was never given to them directly.
Product: Debt collection

Medical Revenue Services calls before XXXX and sometimes after XXXX several times a day using a " robocall '' automatic system. The insist in that I owe medical bills which I not true as I am still a patient of all the Doctors I 've had for more than 15 years and no one has claimed anything from me.
Product: Debt collection

XXXX XXXX of Radius Global Solutions, collections agency, called me and said that I owe {$9500.00}. XXXX XXXX is using them to collect the outstanding debt for a workers comp policy. He added that my name, SSN, and phone number were used as the owner of XXXX XXXX in Illinois. 
I used to be married to XXXX XXXX, and my name used to be XXXX XXXX. My ex in laws were XXXX XXXX and XXXX XXXX. So, my ex mother in law used my info to commit fraud. Our social sec numbers are all off by a digit- we came to the US together and they have that information. My new last name is XXXX, and I still have that last name. My information is public, as I am a real estate agent and need my contact info made available to the public. 
Back to them : XXXX moved back to XXXX, so did his brother XXXX with wife XXXX. Their parents are leaving soon, and I believe they are running up debt in my name, without the intent of repaying it.
Product: Mortgage

My wife and myself were denied a new mortgage by XXXX mortgage companies. My former mortgage company ( OCWEN ) has placed a late notice against my credit report during the process of stopping a loan modification. This mortgage has been paid off and refinanced to another mortgage company and OCWEN has been less than helpful about removing this late notice. I had made several attempts to make my mortgage payments, even contacting my bank representive on numerous occasions. The bankers kept telling me my account was in research and to not worry this would not impact my credit, that was not the truth. I have looked on XXXX XXXX and XXXX and can not locate any credit late issues with OCWEN. I believe that I am being treated unjustly and would like something done to resolve this.
Product: Debt collection

Portfolio Recovery uses different phone numbers to call me. I don't have any collections. 
I told them months ago to stop calling me, that I don't have any collections and they continue to call almost every day. They have used 37 different telephone numbers to call.
Product: Debt collection

Im a victim of identity theft someone got my JPMCB card and used it, when I first noticed it I called the company right away and they canceled that card and now for some reason they want me to pay
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked, to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XX/XX/2023 I was attempting to log into my bank account via online banking and discovered someone was able to change my passwords and login info. I called my bank, Netspend, immediately at XXXX with phone records. Got everything changed back, however nothing else was done. The next morning at around XXXX, the same individuals who hijacked my online banking account did so again. However this time I had just gotten my paycheck the night before. I even opened a savings account the night of the XXXX to begin saving for my first rent payment of the new lease. They moved the money I had just put in my savings and transferred it to another account with a card Ive never owned in my life. I called at XXXX when I was at work and wanted to log in and make sure that my paycheck was safe only to come to the horror that my passwords had been change again and saw all my money was taken from me. After disputing the transaction and waiting the entirety of the 10 business days for the bank to investigate they determined that it was not fraud based on the fact that the person logging in and doing the transfers did so on a pay day and therefore had inside information despite the fact the account was compromised less than 24 hours before that, which the criminals could have just looked at my transaction history and seen when I get paid next. They also claimed the transactions were done on an IP address or device linked to me. However I just got the investigation paperwork yesterday, XX/XX/2023 and they include the IP history of my login attempts and it clearly shows that the transactions are being done from an IP address that only shows up at that time, and never shows up again! They dont mention the device or anything like that. Theres not even a history of looking at the account XX/XX/XXXX to see if the IP addresses matched those of the ones who ultimately stole my money. Ive tried and tried to get in contact with their dispute team to resolve the issue but Ive been told multiple times I will be called in two business days and havent received a single call from them in over a week.
Product: Debt collection

Through my XXXX XXXX XXXX and XXXX XXXX notifications, I got emails ( on XX/XX/XXXX ) that I had a new account in collections from XXXX XXXX which I have never used. This must be a result of identity theft I have been dealing with for XXXX months now. I only know the information that is available to me in my credit report and that includes that the account was opened on XX/XX/XXXX with XXXX XXXX and is now in the hands of Harris & Harris , LTD for a balance of {$480.00} ( last reported XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I had my mortgage payment set up as a automatic payment with my online banking as a Bill pay. for some how, last month It did not go trough and, I was not aware about it. Chase system payment was down and did not make the payment. 

I found out a month later. when I received a letter from chase stated that I missed a payment. I called the chase customer service to find out what happened and I was told that my automatic 's payment didn't go tru. CHASE bank accepted that it was a system issues and I was able to pay the mortgage and they provided me a confirmation number # XXXX.however, they did reported to my credit and I was told that even it was a system ERROR they won't reported to my credit. 

Now my credit dropped to XXXX points and I would like to have this fix as soon as possible. FYI I never miss a payment
Product: Debt collection

I want too dispute this off my credit because I already spoke with the company about the situation and they told me too write a dispute letter too them about the situation and I did just that and never heard from them again and now Im just getting a letter about what I owe which is something I never did, so I want to dispute this off my credit because they never reached back out too me about this situation anymore and it has been a year now.
Product: Student loan

I am writing to you because I need to reduce my monthly private student loan payment due to a financial hardship. I am requesting a payment that allows me to meet my other necessary living expenses. 

To Whom It May Concern : I am writing to file a complaint. I just recently contacted Navient to request a reduction in my private student loan. For the past 12 months I paid {$160.00} monthly. Just in XXXX 2016 it was increased to {$280.00} monthly that I can not afford to pay. I currently also have federal loans that are in default. I was told by the representative that because I have negative income balance they can not offer me a lower payment. That makes no sense to me. Here I am someone that would like to make payment arrangements but at a lower monthly expense. Please conduct a review of my account to determine whether I am eligible for an alternative repayment plan. 

I believe I can afford to pay {$160.00} per month toward my loan ( s ). If you require details on my monthly income and expenses, I have attached a worksheet which you can use to make an evaluation. 

If you require additional authorization in order to reduce the amount of my monthly payment, please consider this letter a written request that you contact my lender or other authorized party to conduct a review of my account and provide a response within 15 days of receipt of this letter. 

If you do not grant this request for a reduced payment plan, I will be at risk of default. If I receive a reduced payment plan, I may be able to avoid default, which is in the best interest of all parties. 

If you determine that you are unwilling to provide a reduced payment plan, please provide the following information : What available reduced payment options do you offer other than forbearance? 

For what reason ( s ) am I ineligible for these repayment programs? 

If I am not eligible for these repayment programs, when will I become eligible? 

What steps do I need to take to qualify for these repayment programs? 

Do you anticipate modifying these repayment programs in the future? 

Where on your website can I find additional information on these alternative repayment programs? 

In addition, if you are unable to provide any of the information or documentation I have requested or otherwise can not comply with this request, please provide an explanation. 

I hope we will be able to agree upon an acceptable repayment plan. 

Thank you for your cooperation. 
XXXX XXXX XXXX
Product: Student loan

Mohela is not answering the phone. I do a call back option. They get back to me 4 hours later. I explain to the rep, and they transfer me to " the advanced department ''. Once I get trasnferred it's another 4 -5 hour wait. They keep hanging up, disconnecting calls, or not doing the requested call back. I asked for the number to this " advanced department '' and they refuse to give it to me. They said transfer internally. I need help with my pslf/save plan. Mohela keeps giving conflicting info, hanging up, not doing promised call backs, etc. None of my time in public service is " counting '' now and I don't know what to do. Some reps say ALL IDR plans are in forbearance and thus " will not count until the court stuff is sorted out ''. Other reps say that I should switch to literally any other plan. On the brink of tears all the time because of mohela and their generic replies and misleading info
Product: Mortgage

This started when Freedom mortgage took over my account. My first statement from them was on XXXX. First they cancelled my home owners insurance without notifying me. I didn't know this until I tried to purchase another home in XXXX of XXXX  and was informed from my loan XXXX. By that time rates had gone up and the best one I could find was an additional {$600.00} a year. 

Then I received a letter from my insurance company that they were about to cancel me for non payment. When I called Freedom mortgage they said it had been paid. That was a lie. I had to have my agent XXXX way call to get a straight answer so that they would actually pay. 

Now that all this has happened that are raising my mortgage payment from {$810.00} to {$1000.00}. 

My county taxes have also gone up {$200.00} this year. 

So its an additional {$800.00} a year. I don't see how they can get away with charging me an additional {$2900.00} a year.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Identity Theft Complaint and FCRA Violation To Whom It May Concern, I am writing to formally lodge a complaint regarding an unresolved identity theft issue that has affected my credit report. I filed a dispute with Equifax on XX/XX/year>, concerning a fraudulent account that appeared on my credit report under the name XXXX XXXXXXXX XXXX. 

The account in question is as follows : Account Name : XXXX XXXX XXXX  Reported Date : XX/XX/year> Amount : {$8400.00} According to the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681c-2, credit reporting agencies are required to block the reporting of information that a consumer identifies as resulting from identity theft within four business days after receiving appropriate proof. Despite this, Equifax has failed to take action within the prescribed time frame. 

Moreover, the FCRA mandates that credit reporting agencies complete an investigation of disputed items within 30 days of receiving a dispute notice ( 15 U.S.C. 1681i ( a ) ( 1 ) ). Equifaxs failure to resolve this dispute in a timely manner has caused undue stress and continues to negatively impact my credit standing. 

I have provided Equifax with the necessary documentation, including my identity theft report and other relevant evidence. However, they have not yet complied with their legal obligations to correct or remove the fraudulent information. 

I respectfully request the CFPBs intervention to ensure the following actions are taken : 1. Immediate investigation and resolution of the disputed account. 
2. Removal of the fraudulent account from my credit report. 
3. Issuance of a corrected credit report reflecting the removal of the inaccurate information. 
4. Assurance that Equifax is held accountable for failing to adhere to the FCRA requirements. 

Enclosed are copies of my correspondence with Equifax, the police report, FTC Identity Theft Affidavit, and other supporting documents. 

I appreciate your prompt attention to this matter and look forward to your assistance in resolving this issue as quickly as possible. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to continue my dispute regarding the incorrect reporting of late payments on my account during the COVID-19 pandemic. In response to my initial dispute CFPB previous complaint number XXXX, Wells Fargo stated that they would not remove the late payments because the relief offered was the suspension of interest charges during that period. However, this response is inconsistent with the protections provided under the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ), which clearly specifies that creditors are obligated to report accounts as " current '' if the consumer requested forbearance and the account was in good standing prior to such a request.

Violation of the CARES Act : The CARES Act, specifically under section 4021, mandates that if a creditor offers forbearance or any relief plan to a consumer affected by the pandemic, and the account was current prior to the request, the creditor must continue to report the account as " current '' during the forbearance period. This means that while I was under the forbearance agreement, late payments should not have been reported on my credit history. 

Late payments in : XX/XX/year>, XX/XX/year> and XX/XX/year>. 

As we can see I only had late payments within the first 3 months of the XXXX beginning and before i always paid on time, and even after those 3 months i always was diligent with my payments. 

Since my account was current before the pandemic and I requested forbearance due to loss of employment related to the pandemic, your decision to report the payments as late constitutes a direct violation of the CARES Act. Merely stating that the relief provided was the waiver of interest charges is insufficient to comply with the CARES Act, as the law clearly stipulates that my account status should have remained " current '' during the relief period.

Reference to Section 4021 of the CARES Act : Credit Status Protection : The CARES Act modifies the Fair Credit Reporting Act ( FCRA ) to protect consumers who were in good standing with their accounts prior to the pandemic. If a consumer requests forbearance and is current, the creditor is obligated to report the account as current during the forbearance period.

Late Payment Reporting : The fact that late payments were reported during the months when I was supposed to be protected under the CARES Act, and you accepted my forbearance request, constitutes a clear violation of Section 4021 of the CARES Act, which governs credit reporting during the pandemic.
Product: Student loan

I started the Public Service Loan Forgiveness ( PSLF ) process over a year ago and had a balance of {$5600.00} forgiven in XX/XX/XXXX, while the loan was with XXXX XXXX. My remaining balance was with XXXX and had to be transferred. After having seen no movement for several months after the fact, the PSLF application form was re-sent to Mohela in XX/XX/XXXX, which they closed as a duplicated request. 

My loan again did not transfer. In XX/XX/XXXX, we called Mohela and they said the request to transfer the loan was submitted in XXXX. My loans were finally transferred and I was able to create an account with them, and now they are telling me I have to wait another 30-90 business days for my qualifying payments to be assessed, and who knows how much longer for the Department of Education to finally provide the approval to discharge the loans. I have approximately {$62000.00} remaining to be forgiven and I am looking to start my own practice. 

This delay has hindered me significantly as I have patiently waited for the Department of Education and its servicers to do their jobs. Working as a XXXX XXXX XXXX XXXX XXXX through a pandemic was hard enough, and going through this process has been very demoralizing. To be honest, I'm considering legal action or going to the media to try to expedite the process of loan forgiveness.
Product: Credit card or prepaid card

Today ( XX/XX/22 ) I applied for the Paypal XXXX Mastercard. After successfully submitting the application I received a notification that my credit was frozen and they were unable to pull my XXXX report ; however with 1 minute I received an alert that my credit was pulled. I tried to contact Paypal XXXX Synchcrony yet no one could help me.
Product: Mortgage

I am behind on mortgage payments to PHH Mortgage. I am in the process of refinancing and requested that the company accept 2 months payments to avoid foreclosure. I have spoken with several agents via phone who refused to process anything less than 3 months worth of payments. In fact, they threatened to return such payments if they were sent. I have sent 2 months of payment ( XXXX x {$1400.00} = {$2800.00} ) in USPS money orders with the following serial numbers : XXXX and XXXX - for XXXX 2015 XXXX and XXXX - for XXXX 2015 These were sent via certified mail : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 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 XXXXXXXX.
Product: Debt collection

I have no knowledge of this debt. I was not given an opportunity to dispute the information about this debt. I believe Proper notification was not given please send me the certified receipt with my name and signature on it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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  has violated my federally protected rights. 

15 USC 1681 Section 604 A states- I have the right to Privacy.

15 USC 1681 Section 604 A Section 2 also states- A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681a ( 2 ) ( i ) - Reporting containing information solely as to transactions or experiences between the consumer and the person making the report.