23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Ocwen approved be for a trial modification after I completed my trial period in XX/XX/XXXX. Every XXXX weeks I talked to my rep and she stated the paperwork for the permanent modification was being completed and would be shipped to me via XXXX. Each time every XXXX weeks there would be an excuse to why the paperwork was not sent out. On XXXX XXXX I was called by ocwen and told my paperwork was complete and being overnighter to me. A XXXX later I called and stated I had not gotten my paperwork. My rep told me my loan had been sold and they actually had not sent out my paperwork and it would not be complete prior to the sale. This was on XXXX XXXX XXXX full months after I completed my trial program. Now XXXX has sent me a document claiming my balance of of XXXX and XXXX in unpaid overdraft fees which is incorrect is due. Why was n't my trial modification paperwork completed back in XX/XX/XXXX per federal regulations. There also was an overage on my escrow account which has not been posted to my XXXX account ad attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning! 

In accordance with the Fair Credit Reporting Act XXXX  XXXX  Account # XXXX, has violated my consumer rights. please help 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

I had the mortgage co make a big mistake on my mortgage so they sent a letter out to all agencies to remove any negative marks for XX/XX/XXXX and XX/XX/XXXX as is shows on both equifax and trans union! This went out in several months ago and i requested a new one today so i am attaching both my letter and a copy to show the lates they are reporting in error!
Product: Payday loan, title loan, or personal loan

I received a phone call on XX/XX/2020 from XXXX at XXXX saying they were the lead officer and we're sending out officers to arrest me due to defaulting on my loan and committing fraud. I said I had no idea what they were talking about. They then said to call their legal department and gave me this number : XXXX. I called that number and they picked up on first ring and just said hello, how can I help you. I then proceeded to ask for the legal department and they said they were it and asked for a case number. I gave them the case number that the previous caller provided me with. I told them I had absolutely no idea what this was about. They told me they were just about to submit my case to XXXX County courts for frauding an FDIC institute. I told them I didn't take a loan out. They said it didn't matter if it was me or not because unfortunately all my information was submitted for a loan. They then told me I only had 2 options. Either go to court, or set up a payment plan with them today. I told them I had no money and there was no proof that I took out this loan. They repeated the options again. I was terrified and gave them my card information. They then said I would have to make 7 payments of {$140.00}. the said if I missed one payment, I would go to court. They said because I set up a payment plan today, they temporarily froze all legal action. They said it was for Ace Cash Loan Express.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are reporting inaccurate information on my consumer report. I am also aware of the recent news allegations involving XXXX and I believe I have been affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Equifax several dispute letters with verification documents that confirms my Identity Theft status such as police reports. Last letter sent was mailed visa USPS certified mail on XX/XX/XXXX and received by an Equifax employee on XX/XX/XXXX at XXXX in XXXX XXXX GA XXXX. This was signed for by the employee ( see attached documents ). There has been several inquiries on my report that are fraudulent as well as a new fraudulent account and incorrect balances on another account which was closed. The following inquiries and accounts are fraudulent and Equifax refuses to remove them despite my fraud alert and identity theft case. 

XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SER XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX SERVICES Report Date : XX/XX/XXXX The following has a incorrect inaccurate balance which was last reported on XX/XX/XXXX XXXX XXXX  DELAWARE Report Date : XX/XX/XXXX. 

This information is invalid, inaccurate and fraudulent and its affecting my credit score and preventing me from obtaining the necessary credit needed. Equifax has been contacted several times including phone calls, online disputes and mail-in disputes but they have refused to remove this inaccurate information from my credit report. This is a direct violation of The Fair Credit Reporting Act, 15 U.S.C. 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX XXXX XXXX XXXX MY FATHER IS XXXX XXXX XXXX XXXX. HE STOLE MY IDENTITY NOW EXPERIAN REPORTING BANKURCTY CHAPTER XXXX I FILE POLICE REPORT FROM MY LOCAL POLICE DEPT SEND TO EXPERIAN NO ACTION UNDER FRCA LAW IM GOING PURSUE LEGAL ACTION WITH MY ATTORNEY.
Product: Debt collection

On XX/XX/XXXX, a debt collector called my wife stating there was a judgment against me from XXXX XXXX for defaulting on a kitchen repair. The debt collector stated i work and is the point man for XXXX XXXX XXXX XXXX XXXX and my phone number is XXXX. And the address is XXXX XXXX XXXX, MI. The debt collector had my name, DOB and SSN. In which I dont know how these people got the information All these allegations are fraudulent. 

I work full time at XXXX XXXX XXXX as an XXXX  since XXXX. My phone is XXXX. 
The case number is XXXX and the judgement was recorded on XX/XX/XXXX The debt collector also stated I was serve the notice which is a lie. I never was serve any such document. 

Im filing a police report XXXX XXXX XXXX XXXX Police for stolen identity and fraud.
Product: Student loan

Nelnet and XXXX have garnished my wages even though I submitted multiple complaints with CFPB and Department of Education. I properly filed my forbearance request and provided detailed documentation to the service provider Nelnet. I also filed a complaint with Department of Education on XXXX XXXX, 2015 related to numerous internal and CFPB complaints with Nelnet and XXXX. As a consumer, student-loan borrowers have a right to set their monthly loan payments as a share of income. It 's known as " income-driven '' repayment and is touted by the Education Department as a way to keep those borrowers out of default. Nelnet made it difficult for me to arrange any type income-based payment and continued to steer me only into forbearance arrangements and eventually turned into costly payment instead of affordable long-term repayment options that were more beneficial to Nelnet. Nelnet failed to disclose their annual deadline to renew or obscured its renewal notice and recently is the center of a lawsuit filed in U.S. District Court. Nelnet quickly defaulted the loans and inserted a 3rd party collection company to garnish my wages even after a cease and desist complaint was sent due to an open complaint with both the CFPB and Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$11000.00}
Product: Debt collection

This is through portfolio recovery. This is an old debt and would like to be able to get a refund.
Product: Credit reporting or other personal consumer reports

I sent information to XXXX, XXXX and Transunion about accounts that were on my credit report as a result of identity theft. I sent them the accounts that were opened as a result of identity theft along with a identity theft complaint from the federal trade commission and they responded with a letter stating that the information was verified. They did not state or send the documented proof of any investigation or that i opened any account that i stated did not belong to me
Product: Checking or savings account

Bank of America continues to charge overdraft fees to my checking account for charges that have not posted to my account, most recently on  X/X/17   . Only when I spend  30  minutes on the phone to point out to a customer service rep and supervisor this unfair practice will they correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account No. : Vehicle : XXXX VIN : XXXX Maturity Date, XXXX XXXX XXXX XXXX XXXX AT XX/XX/XXXX In XX/XX/XXXX the above-referenced auto lease ended, and I returned the vehicle to XXXX. The car lease began in XXXX XXXX XXXX XXXX was the signer on the account and XXXX XXXX, the Daughter, was the co-signer. Throughout the duration of the lease, the account was set up for auto-draft payments. Not one payment was missed. The lease ended, the vehicle was returned, and the account was closed in good standing in XXXX XXXX 

In XXXX XXXX nearly 2 years after the lease ended, KIA added two 30-day late payments to the KIA account on our credit reports. The account was previously in good standing. In XX/XX/XXXX, nearly 2 years after the vehicle was returned, we were alerted to two 30-day late charges on our credit reports. We contacted KIA Finance immediately. 

It had been 2 years since we were a KIA customer. Both my daughter and my address changed. Mail forwarding only lasts for 6 months. There was no way that this invoice ( sent two years later ) could make it to us in the mail. 


KIA sent my daughter, XXXX, a copy of the final invoice on XX/XX/XXXX. The invoice was not itemized and did not include a description of fees. On XXXX XXXX XXXX  we called to speak with a supervisor. Throughout the month of XXXX we called over 10 times. We sent KIA Finance a letter at the end of XXXX XXXX. We received a call from a supervisor on XX/XX/XXXX. We received a login to a portal that contained information about the invoice and pictures. On XX/XX/XXXX, we received a voicemail from the supervisor about an offer for a resolution. We called the Kia supervisor for the entire month of XXXX and were never able to get anyone to return our call to take care of this account. KIA has been reporting late payments every month on our credit reports but has not given us a way to pay the account. 


We sent KIA finance America formal letters in the mail. I attached copies of our USPS receipts.
Product: Checking or savings account

On XX/XX/2018 I was charged XXXX dollars overdraft fee because my account was overdrawn by XXXXXXXX XXXX. I noticed the fee but I didn't call until XX/XX/2018 when my checking account was hacked and had an unknown charge so I also complainted about my overdraft charge.

I spoke with a manager named XXXX who told me that the charges couldn't be removed. I told him that I have 3 other accounts in Fl banks and I have never seen this happened. Particular one of the banks told me the couldn't charge a customer for less than a dollar. XXXX   told me that there was not law that prohibited him to charge the account if it was not covering the full balance and that my charge was staying on the account.

I have proved of the bank statement as well as a picture of the mobile site and the account was only XXXX XXXX under. I am not sure if this a case that can be investigated, but in my opinion this is an abuse to a customer. I attaching a picture for your review. 

Please help!
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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  XXXX : # 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

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
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 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 have reached out to this company XXXX of XXXX to have them remove me from this loan responsibility as ex wife won the vehicle in divorce in which i was no longer responsible for.I have also given them copy of divorce paperwork in which they have asked for it to look into the matter. I have now recently reached out to them these past few months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Letting them know that this is still showing on my report and that i was under the impression that it would be removed. I asked them if they could remove this from my report and they stated that I would have to pay them {$10000.00} to have this taken off. I explained to them that im a 100 percent XXXX veteran and there is no way i can pay them that amount for them to remove this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE RECENTLY BEEN DENIED CREDIT ON SEVERAL OCCASIONS BECAUSE XXXX IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. I HAVE TRIED TO DISPUTE THIS INACCURATE INFORMATION WITH XXXX. XXXX HAS REFUSED TO CORRECT THIS INACCURACY. I HAVE SENT A DIRECT LETTER OF DISPUTE BY CERTIFIED MAIL WITH SIGNATURE DELIVERY ACCEPTANCE TO THE FURNISHER OF THIS DATA SINCE XX/XX/XXXX WHICH I HAVE ATTACHED TO THIS COMPLAINT AND THE FURNISHER OF THIS DATA HAS REFUSED TO RESPOND TO MY DISPUTE. XXXX IS VIOLATING MY RIGHTS BECAUSE THEY SEE ME AS THE SMALL GUY TO BULLY. 

XXXX XXXX XXXXF XXXX XXXX XXXX : XXXX BALANCE : {$7700.00} - - - XXXX XXXX XXXX XXXX XXXX CT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type CHILD SUPPORT Date Updated XX/XX/XXXX Payment Received {$0.00} Pay Status >Account 120 Days Past Due Date< Terms Paid Monthly High Balance ( Hist. ) High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX THIS INNACURATE INFORMATION NEEDS TO BE DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 The Fair Credit Reporting Act ( FCRA ) requires each of the nationwide consumer reporting companies Equifax, XXXX, and XXXX  to provide me with a free copy of my credit report, at my request, once every 12 months. 

I am suddenly being forced to move, and I need a credit report to get a new place. 

I just went online to " XXXX '', and all three credit-reporting agencies " had an issue '' that prevented me from getting my report online. 

One of them said I could call to order a report, but it was all automated, and concluded " we'll mail it to you within 15 days. '' That's too late, I need it now online. 

I feel that they are all skirting the law to encourage me and my new landlord to pay for a report that can be delivered right now, and avoid their responsibility to give me a free report. 

Please make them abide by Federal law. 

Please help.
Product: Credit reporting

I was a victim of Idenity theft by a man named XXXX XXXX XXXX who claimed he fixes credit and had a company called XXXX @ XXXX construction he was a con man who put things in my name and never paid. He went to jail for doing this scam to many people and he may or may not be out of jail now ... He put a mortgage in my name from XXXX bank it has been removed from some credit agencys I need it removed from all
Product: Credit card

I applied for and rceived a credit Card from Commerce Bank. The offer stated no interest for 15 months. No date of when the no interest period started or would end. No statement stated when the no interest period would end. I thought I would be notified as all of theother cards that I have received which provide for no interest during a specified period state on the statements when the no interest period would end. The Commerce Bank card statement never stated when the zero interest period would begin or end. According to my records, the interest free period should have ended in XXXX, XXXX. To my surprise the XX/XX/year> statement showed interest on the balance. As did the XXXX statement. I immediately paid the outstanding balance less the interest charges since I never received any notice of when the interest free period would begin or end. I contacted Commerce Bank regarding the above and their response was that the interest free period was 15 month. No documentation of when the period started or ended. All interest should be waived and my credit account cleared. This is clearly deceptive practices barred under the Federal Trade Commission rules. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.. I have never given permission for them to inquire my credit status, please remove it from my Transunion credit report
Product: Debt collection

There was a medical bill that was covered by Department of Human Services under my insurance, I've contacted the  hospital and the insurance company who agreed that the medical bill was covered. 

If the hospital failed to submit the bill to the insurance company last year, that's not my fault. 

Below is the insurance I had at the time and currently have now. 

XXXX XXXX Member number : XXXX Id number : XXXX XXXX XXXX
Product: Debt collection

I received a letter from ARA Inc. ( a dept collection company ) on X/X/2017 informing me that they were the legal owner of a dept I owed from more than 20 years ago. I called the agency to gather more info and the collector went on to tell me they had access to FBI files and he could give me the name of my neighbor if he wanted. He also said they we 're going to file a judgement and the debt would be on my credit report for 6 years. I do not believe I owe this debt and the practices used during the phone call were very threatening. I am also worried that this company obtained my personal information for fraudulent purposes.
Product: Credit card or prepaid card

I have tried reaching the company unsuccessfully. My phone XXXX  for XXXX people attempted to dial Best Buy 's credit card phone customer service system today several times. The machine simply is a recording that hangs up without any live customer services personnel. 

The credit card company won't work with me while I am going through financial hardship ( won't negotiate lower fees, lower interest rate, lower monthly payment, or postpone payments ) Due to the COVID 19, I was laid off from my job. 

I am awaiting unemployment insurance processing. 

Can you please reduce my monthly payment or offer me a program or disaster relief?
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XX/XX/XXXX Account number : XX/XX/XXXX Account name : XX/XX/XXXXAccount number : XX/XX/XXXXAccount name :XX/XX/XXXXAccount number : XX/XX/XXXX Account name :XX/XX/XXXX Account number : XX/XX/XXXX Account name XX/XX/XXXX XX/XX/XXXX Account number : XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX from 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 an account without my written instructions.

The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information of the consumers. I have the right to dispute incomplete or inaccurate information on my credit report. 
This collection account reported on my credit report is inaccurate, this account is not belonged to me, I have sent several dispute letters to the creditor and your company to verify the accuracy of the information reported on my credit file and no action has been taken to solve this concern. See the attached file.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 
ACCOUNTS : 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