23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have found numerous errors and outlined the main errors to PHH Mortgage bank via email and via USPS Certified mail on XX/XX/XXXX and have copied CFPB and FDIC, but have receive no communication from anyone. My mom at XX/XX/XXXX reverse mortgage closing received only one lump sum payment of {$28000.00}. My mom bought her home for {$99000.00}. My Mom did not receive {$110000.00} as noted error on PHH statement. PHH Mortgage failed to credit XXXX Property Tax of $ XXXX partially repaid by my Mom XXXX in PHH Loss Mitigation Agreement between PHH and XXXX XXXX XXXX This arrangement was abruptly cancelled by PHH when PHH returned three money orders in a letter stating that PHH is not in a Loss Mitigation Agreement with my mom who repaid 12 payments faithfully on the 21st of each month, and paid via money order as dictated by PHH. These 12 money orders were sent to PHH Mortgage at XXXX XXXX Department, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX via USPS certified mail and XXXX. PHH Mortgage then used this as their main reason to file foreclosure document against my mom in XXXX XXXX XXXX XXXX Supreme Court. After providing evidence to my newly hired attorney, the courts dismissed foreclosure sale scheduled for XX/XX/XXXX. PHH Mortgage is in violation of imposing HOA fees of which my Mom pays. PHH Mortgage is in violation of imposing fee for insurance when XXXX pays her own insurance online to XXXX XXXX via insurance agent XXXX XXXX. PHH Mortgage regularly abbreviates similar type transaction and add " hyphens '' perhaps to disguise and perhaps to create confusion. These deliberate tactics causes my mom 's account to be overbilled and creates confusion on part of the reviewer. I want to be out of this hellish nightmare as PHH Mortgage is worse than a common thief and should not be further insured as a bank.
Product: Credit card

Hello, Re : Comenity Bank / Jared credit card account XXXX in the name of XXXX XXXX XXXX XXXX XXXX XX/XX/23, I had checked my credit card balance and also called in for my balance. Both the website and voice messages indicated that I had a {$7600.00} credit card balance. When I went to perform a refund and exchange purchase at Jared in XXXX, XXXX on my Wife 's wedding ring ( that had a warranty on it ), the credit card that I had with Jared by Comenity Bank accepted the refund credit of {$2600.00}, but subsequently denied the purchase for the exchange for about {$3700.00}.

My balance is now stating on the Comenity Bank Jared credit card the amount of {$10000.00}. Which means that they have {$260000.00} of my money that is due to me. 
I need the following done and explained please : 1 ) I need a refund issued to me by check for {$2600.00} which represents the returned ring ASAP!

2 ) Why did Comenity Bank state my balance as {$7600.00} credit and then when I went to the store for a purchase that wasn't so?

3 ) Why did Comenity Bank accept the credit to my account for the refund of {$2600.00} but denied the debit for the purchase? 
I am very disappointed in this Bank and would like them fined and reprimanded for their actions. I am thanking you in advance for your assistance on this. 
Regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Could not link our business bank account for receipt of " PPP '' loan..
Product: Money transfer, virtual currency, or money service

My Venmo account got suspended this weekend due to some unusual activity. I don't know the reason, but I have a balance of {$720.00} that I need for groceries, and now it's frozen. Venmo won't let me release the funds to my bank account. I'm desperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information are erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an unrecognized hard inquiry put under my name on XX/XX/XXXX by Bank of America. I called Bank of America on XX/XX/XXXX and they committed to perform a credit scanning which will take 90 days. This is already a violation according to the Fair Credit Reporting Act - " the bureau ( s ) have 30 days to respond to your dispute and remedy the mistake if they verify that an unauthorized inquiry is, in fact, a mistake ''. And on XXXX when I called the fraud department number that they left to me ( XXXX ), the agent said there was never such scanning requested. I spent almost two hours with customer service and was transferred back & forth for a few times until I got someone answered the phone from fraud protection department. They admitted it was their fault and said they would contact XXXX to remove the hard inquiry from my credit report, which would take another 90 days. This bank has already lost my trust and 90 days for a non-trackable process is not tolerable, I am requesting them to expedite the process and give me reference id to track the progress, it definitely requires more transparency and needs a guarantee of correction of their fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$18000.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$360.00} XXXX XXXX XXXX  XXXX {$21000.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$310.00} DEPTEDXXXX XXXX {$3500.00}
Product: Mortgage

I contacted PenFed on XXXX XX/XX/XXXX reference my mortgage, loan number XXXX. I wanted to know if the mortgage was assumable. I was told it would take some time to research. 
However, the following day, XXXX XXXX, and again on XXXX XXXX, PenFed sent an email to my mother, XXXX XXXX, asking her to rate their mortgage servicing. 

XXXX XXXX is my mother and I am on her PenFed accounts as Power of Attorney. However, she is not and never has bee non my accounts or on my mortgages. I contacted Pen Fed on XXXX XXXX and wanted to know why they were sending mortgage servicing surveys to my mother who was not on the account but not to my husband who was on the account. I was told they would get back to me the following day and that did not occur. 

I am very concerned that PenFed feels its appropriate to send emails to someone not connected to my account letting them know that I made a call to the mortgage servicing department. This seems to be a major security issue. I have no idea if they would give her information if she called but I find it concerning that they feel she needs any information whatsoever in my financial business.
Product: Credit card or prepaid card

I applied for the IKEA projekt card because a promotion stated that initial purchases of {$2500.00} or more would receive 24 months with 0 % interest. I was moving into a new apartment and didn't have any furniture of my own, so I thought this would be a great option. I did a lot of research, and everything looked pretty good. I was approved for {$3400.00} ; my initial purchase was {$3200.00} ( XX/XX/XXXX ). Upon receiving my first statement, I saw that the incorrect promotion was applied to my account. 
Instead of receiving 24 months with 0 % interest, I was only given 12 months with 0 % interest. IKEA projekt card offers 12 months with 0 % interest if your initial purchase was over {$1500.00} and under {$2500.00}. I called the customer service associated with the card ( XX/XX/XXXX ), and I was told they would open an investigation. I called approximately once a month to check in on the status of the investigation, and I was told each time that it was still under review. 
After not hearing back from them about my investigation, and due to concerns about a possible language barrier with the customer service representatives, I decided to message them through my account to ask about the issue. They continue to state ( as of XX/XX/XXXX ) that the XXXX promotion was applied to my account, and they have not responded to the fact that my initial purchase qualified me for the XXXX promotion. They have not explained any rationale or reason why the XXXX promotion was applied to my account instead of the XXXX promotion. 
I have reviewed the paperwork that came with my card, as well as the legal documents on the website, and they all confirm that initial purchases over {$2500.00} receive the XXXX plan. Furthermore, I have not broken any other aspects of the contract ( i.e., late payments, less than minimum payments, etc ). I have paid all of my bills on time, and I pay well above the minimum payment each month. I have been trying to resolve this error with IKEA 's credit card company since XXXX of XXXX, it is now XXXX of XXXX, and they still have not corrected the issue. I don't know what else to do.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment to be updated.

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

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


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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


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

I have two Signature loans with Navient. Both are private student loans. Loan # XXXX ending in XXXX issued on XX/XX/XXXX and loan # XXXX ending in XXXX issued on XX/XX/XXXX. Both loans were issued to XXXX XXXX XXXX XXXX now named XXXX XXXX XXXXXXXX has been listed as a for profit XXXX  that has been deemed by the court of law as operating under misconduct. Due to that judgement the courts have awarded the victimized students of predatory lending the discharge of their student loans. ( Both federal and private ) I have contacted Navient on two occasions XX/XX/XXXX and XX/XX/XXXX. 

I received an application for loan discharge due to XXXX  misconduct after multiple attempts. My XXXX  misled me about my likelihood of obtaining a job, misrepresented its job placement rates and my likely earnings after graduation. I've submitted all of the required information and received notification on Sunday, XX/XX/XXXX that my request for private loan discharge was denied. I've contacted Navient on two occasions Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX at XXXX XXXX to request an appeal. Navient has not responded. Please help!
Product: Debt collection

I received a letter regarding that a debt was assigned to another company. I never had a debt with neither of the companies. The letter has missing the disclaimer that I have 30 days to dispute debt. I have not contacted company out of fear that it might be fraud or a scam.
Product: Credit reporting or other personal consumer reports

I noticed several hard inquiries on all XXXX of my credit reports ( XXXX, XXXX, XXXX XXXX ). I even received several denial of credit letters in the mail for stuff I never applied for. Instant credit was even provided in more than XXXX incident. I have contacted the phone numbers listed to explain the situation to no avail. They always say, I'm sorry ma'am, there is nothing I can do. 
There are also addresses on my reports that are in states I have never lived in. Email addresses as well. My name is misspelled several times and other last names have been added as well. 
Jobs that I have never worked, etc. Inquiries are as follows : XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX, XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX Also, these collection agencies are harassing me for alleged debt that they claim I owe them but these are fraudulent accounts. 
XXXX XXXX XXXX {$530.00} LVNV FUNDING LLC {$600.00} XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX {$430.00} There is an account with XXXX/XXXX  {$600.00} That I never opened and it says I have XXXX late payments. 
XXXX  XXXX  {$540.00} says I had XXXX late payment and I NEVER did. 
XXXX  XXXX  {$620.00} FRAUDULENT XXXX XXXX  XXXX {$760.00} FRAUDULENT
Product: Mortgage

Fay Servicing changed us a late fee that we have challenged. 
Fay Servicing is entirely unresponsive to our eMails and calls challenging this charge. 

Fay Servicing changed their mailing address without notifying us. 
Our XXXX, XXXX payment was processed electronically by our bank ( it is an automated payment, the bank sends it early every month - actual transaction posted below ). 

XX/XX/XXXX Online Payment xxxxxxxxxxxx To FAY SERVICING XX/XX/XXXX Bill payment {$670.00} On XX/XX/XXXX, we received a credit back to our account in the amount of {$670.00}. 
The record of the mortgage payment credit transaction ( from our on-line banking ) follows : XX/XX/XXXX Credit Return : Online Payment xxxxxxxxxx To FAY SERVICING Misc. credit {$670.00} We also received a secured notice from our bank indicating that the reason for the return is that the payment came back to the bank as Undeliverable. 

We immediately contacted Fay Servicing via email ( attached ) and they sent us an eMail with an updated mailing address. We were out of town for 8 days in the middle of XXXX and received the notice while out of town. Upon return we immediately updated the mailing address with our bank and sent the XXXX payment to the new address. Again we notified Fay of the payment and the update via eMail ( attached ). 

Fay Servicing processed the payment and sent us a " Late Payment '' notice and fee letter on XX/XX/XXXX. We contested this based on : * No notification of the change of address * Immediate notification to Fay Servicing * Perfect pay history I received the name of the person I was told to escalate the issue to at Fay and sent an eMail over 8 days ago. I have called him multiple days, leaving a detailed voice mail with my name, loan numbers, call back #, etc. I have no response from Fay. 

Summary - I have received no response from Fay and do not believe we should be charged a late fee.
Product: Credit reporting or other personal consumer reports

Good day I recently reviewed a copy of my credit report. I found numerous incorrect late payments on my credit report.These late payments are fraudulent please remove them off my credit report. 

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: Debt collection

BELOW IS THE INFORMATION FROM XXXX; I DISPUTED, AND ACCORDING TO XXXX, IT IS A LEGIT CHARGE, WHICH IS NOT, AND I AM FED UP WITH THIS. NO ONE SENT ME DOCUMENTS. I TRIED TO CALL THIS COMPANY, AND THEY ASKED FOR A CASE NUMBER, WHICH I DON'T HAVE. I SEE THE ACCOUNT WAS OPENED IN XXXX, WHICH IS NOT LEGIT. PLEASE HELP ME I DONT KNOW WHAT ELSE I CAN DO. THESE ISSUES HAVE BEEN GOING ON FOR THE LAST 5 TO 6 YEARS NOW. I HAD OTHER DEBT COLLECTORS CALLING, AND I EXPLAINED TO ALL OF THEM THIS IS NOT MINE. THEY SEEMED TO IGNORE AND SELL TO OTHER DEBT COLLECTORS, AND SO ON. NOW, IT IS GETTING TO THE LIMIT BECAUSE THIS IS NOT TRUE AT ALL. I HAD DEBTS IN THE PAST I RESOLVED WITH THE CREDITORS, AND I GUESS THEY GOT MY NAME FROM MY HARDSHIP TIMES AND DECIDED TO PLAY WITH IT. WHAT CAN ONE DO IF EVEN THE CREDIT BEAUROU DOES HELP US? PLEASE HELP ME I AM BEING TRULY HONEST HERE. THESE PEOPLE ARE RUINING MY CREDIT.

Account Number
XXXXXXXX
Name
LVNV FUNDING LLC
C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX
Date Opened
XXXXXXXX  (FRAUDULENT) I NEVER OPENED AN ACCOUNT ON THIS DAY/NOR WITH THIS BANK
Responsibility
Individual Account
Account Type
open
Loan Type
DEBT BUYER
Balance
$XXXX  Last Payment Amount
$XXXX  Original Amount
$XXXX  Original Creditor
XXXX XXXX (Financial)
Past Due
$XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen last year when my vehicle was broken into and my credit has been getting randomly ran for things since then I filed a police report, but have still been having issues in this regard. Also my infirmation has come up in various data breaches recently. Inquiries are showing on my credit report that I did not initiate nor approve and they are not tied to any accounts of mine. I called TransUnion and they have been no help removing these fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. There are so many questions that are popping on my mind now. Like why are you doing this kind of thing to people appealing to your company? Oh! I forgot! YOU HAVE DONE NOTHING! You there at Experian are really hilarious. The other bureaus have already deleted the accounts below but you still managed to report this fraudulent information on my file. So hows that?! THIS IS NOT ROCKET SCIENCE YOU KNOW? Now, I am sending my dispute letters again along with my FTC and Police Report. I dont know if youll be doing it right this time but let me tell you that you are allowing slander on my credit report! So follow the law under FCRA DELETE these items now! 

XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Product: Credit card

I am writing to formally file a complaint regarding an unauthorized credit card account opened by Capital One under my name. On XX/XX/year>, I received an email from Capital One informing me that I was approved for a QuickSilver credit card account and that the card would be arriving in 7-10 days. This action was taken without my consent or authorization. I did not apply for this card, nor did I authorize Capital One to pull my credit. 

On XX/XX/year>, I called Capital One at approximately XXXXXXXX XXXX and spoke with a representative named XXXX. During our conversation, XXXX explained that the card was opened by Capital One because of my good behavior with their savor card ( a Capital One product I had already owned ) this action was part of what he referred to as an XXXX program, implying that Capital One was acquiring new customers from another bank or some similar initiative. However, this explanation does not justify opening a credit card account in my name without explicit permission.

I believe this constitutes an unauthorized credit inquiry and account opening, both of which are violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I am concerned about the potential impact this could have on my credit score and personal financial security.

I request the Federal Trade Commissions assistance in addressing this issue. Specifically, I would like : 1. A thorough investigation into Capital Ones practices regarding unauthorized account openings.

2. The removal of any credit inquiries or accounts associated with this unauthorized action from my credit report.

3. Assurance that Capital One will take corrective actions to prevent such unauthorized actions in the future.

I am attaching all relevant documentation, including the email from Capital One and any communication records, for your reference. Please let me know if additional information is required.
Product: Debt collection

I am writing to request your help. I am a victim of identity theft and this is causing a huge impact to me and my credit and XXXX  issues because of high levels of stress. I tried to solve this matter with The Best Service Company in the past. Back on XX/XX/XXXX, they received a demand for validation letter from me delivered via Fax. 

As of today they have failed to provide me with the proof I have lawfully requested ; This is a violation to the FCRA. They are also committing violations to the section ( 609 ) of the Free Credit Reporting Act by reporting false and erroneous information. 

I demand a deletion letter from this company so this item related to FRAUD gets removed from my credit report. The account is the following : The Best Service Company XXXX opened XX/XX/XXXX. Status Closed. 

Please help me to solve this issue, since they are committing violations of the Fair Debt Collection Practices Act and defamation of character. If The Best Service Copmpany denies a deletion letter, I am willing to take this issue to the next level and let a court judge to decide. I am sure that the list of violaitons will go up once I talk to my attorneys. 

Attached : Letter sent to XXXX XXXX XXXX  on XX/XX/XXXX and FTC Report.
Product: Credit reporting or other personal consumer reports

Equifax is reporting Information that belongs to someone else. I notified on several occasions to ensure they have the most accurate information in my credit file at all times. Equifax was asked to delete the following inaccurate information from my credit file within the following 30 days. I know that they have up to thirty days to meet my requirements. I did not receive any updates from Equifax during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that Equifax incorrectly reported and should be deleted immediately. 


XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX