23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America automatically withdrew {$100.00} @ month for nearly 7 years under their Borrowers Protection Plan AFTER making it free for the first 12 months. They sent me XXXX page of the hundreds my wife and I signed proving we signed this plan as if we requested it. Not true. We did not request this plan and were unaware of its cost until we received a notice recently canceling the automatic withdrawal BPP amount.
Product: Checking or savings account

I received a payment from a client through Chime. I created an account so that I could access the money and transfer it to my bank account. This worked. However the next payment I could not transfer as Chime says they sent a physical card and this needs to be activated in order to transfer the money. I can not transfer or even refund the money. They refused to help me while on the phone and hung up on me. They are basically stealing peoples money.
Product: Mortgage

hi! my name is XXXX XXXX. 

United Wholesale Mortgage, the mortgage company for my home, collects monthly escrow for property tax and insurance. 

they accidentally paid the property tax for both my home, the address of which is XXXX XXXX XXXX, XXXX XXXX NY XXXX, and for an adjacent commercial property, XXXX XXXX XXXX XXXX, which is owned by an LLC called XXXX XXXX XXXX XXXX XXXX. XXXX which I do not own, have never owned, and have absolutely nothing to do with ). I found this out because when I called the mortgage company to inquire as to why they were showing me with an escrow shortage of {$48000.00}, they informed me that they needed to collect from me the taxes for my " 2nd property ''. They claim that the town which is the taxing authority, told them that I own 2 parcels of land and thus am responsible for both properties ' tax. the other property is owned by a cardiology practice, not by me, and is a commercial building with a huge annual tax bill. the mortgage company has paid the first half tax on both my home, and on this other property as well. They did this without ever consulting with me. Now they are trying collect the money for the other property 's taxes, which they incorrectly paid, from me. I have called several times, emailed, and sent them the correct bill for my home as well as researched and sent them the other bill showing that the ownership is a company, not me. they have ignored my contacts and continue to try to collect an extra {$35000.00} in taxes on this other property from me .... they claim that I need to contact the town and straighten it out???? they have added XXXX a month to my mortgage bill. This is absolute insanity and they take no responsibility for their mistake, instead putting the onus on my to straighten it out. I am concerned about my credit and need help in getting this situation rectfied. again, I have been contacting them since XXXX, and they have failed to provide any resolution what so ever, other than suggesting that I call the town.
Product: Credit card

I made a check payment in store to the Home Depot for my Home Depot credit card on XX/XX/2015 for about {$3800.00}. The amount was deducted from my bank account the following day on XX/XX/2015. On XX/XX/XXXX I tried to use the credit card and was told the payment had not been credited and would not be credited for an additional 15 days. Therefore the company took my money and held on to it for 30 days without using towards the payment on my account or reimbursing me in any way.
Product: Debt collection

The debt collection was report to the credit bureaus on XX/XX/year>. I notified the debt collection company that this debt doesnt belong to me. My identity was stolen 6 months ago including my social security number, drivers license. They refused to remove the collection account or provide any information.
Product: Credit reporting or other personal consumer reports

NAVIENT Navient has been reporting the wrong information since XXXX from the emails received. Navient account was reviewed on XXXX and the school they are reporting is XXXX University. I was a student at XXXX University starting XX/XX/XXXX. The loan disbursement date on the Navient account is XXXX. I did not attend XXXX University in XXXX. Navient has been reporting this false information for 3 years ( or more ), which has taken a toll on my credit report. I have been receiving calls between XXXX XXXX - XXXX XXXX every day except Sundays, and I know they know it is a violation to contact consumers several times a day. Per the FRCA, it is my right to ensure that information is being reported accurately.
Product: Mortgage

I closed on my mortgage in XXXX and my mortgage was set to end pmi in XXXX, I called to have it removed. I was told that because I was I. Forbearance they extended the date automatically to end pmi five years later. I explained to them that the forbearance does not change the terms of the signed agreement. They said it does and would not help me further.
Product: Mortgage

To whom it may concern I XXXX XXXX am submitting a second statement, I filed for bankruptcy of the year XXXX, wells fargo did not report my house back to the credit bureaus they put it on the lawyer named XXXX XXXX in XXXX and, he called wells fargo and I was on the phone and told them that they leid, I was told though wells fargo I will never get my house back on the credit bureaus, why I don't know, he told me I need to do the work myself to figure it out. Please help I have XXXX credits. Because of wells fargo. XXXX XXXX XXXX XXXX XXXX. My bankruptcy ended when I went to court.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I visited store XXXX in XXXX Florida to make my final payment. I am in possession of the receipt which shows {$0.00} remaining balance. Approximately a week after making my final payment, I am barraged by phone calls from the local store that I still owe on this payday loan. For months I have asked for an accounting ledger showing debits/payments to substantiate their claim that I still owe them money- Amscot refuses to do so. 

I have a receipt signed by an employee which proves the debt was paid in full - at this point I believe the agent who received the money from me stole the cash from the company and did not apply it to my account. 

Amscot refuses to show any type of paperwork to substantiate their claim that I do in fact still owe them on this debt, despite the fact I have provided them the receipt multiple times via email and in store.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XXXX but no answer was received. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX 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 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 XX/XX/XXXX
Product: Mortgage

After having my mortgage modified, This is my new contract 51 years to repay at 3.125 % interest rates. I've tried to refinance without getting assistance due to these terms. How can this be corrected? 


PHH Mortgage Hello XXXX My Loan My Loan Your Loan balance is {$160000.00} 3.125 % Rate | Conventional | 51 Years Term How your recent payments were applied 32 % of your principal and interest payments Year to Date were applied towards principal. Making additional payments to your principal balance will reduce the amount of interest you will pay over the life of the loan. 
68 % Interest Select a period of time. 
Year to Date 32 % Principal Your Loan Started XX/XX/XXXX Your Loan Ends XXXX XXXX Remaining Payments 172 Prepaid Principal {$2200.00} You can own your home faster Learn more Prior Yr Principal Paid {$2000.00} Prior Yr Interest Paid {$4400.00} Some Things To Consider Having trouble paying your mortgage? 
How can I contact PHH Mortgage? 






What is the mailing address for sending an overnight payment? 









When will I receive my year-end statement? 
What are some of the common fees that may be charged or assessed to me during the servicing of my mortgage? 
Looking for alternatives to foreclosure or to help with budgetary issues? 
Payment History Show All Mortgage Escrow Advances Reversals Other Mortgage Payment Applied : XX/XX/XXXX {$950.00} Escrow Advance XX/XX/XXXX {$820.00} Tax Disbursement XX/XX/XXXX - {$820.00} View all Taxes and Insurance Current Escrow Balance As of XX/XX/XXXX Learn More - {$540.00} Escrow Account Payouts Show all Upcoming Year to date XXXX Tax XX/XX/XXXX {$840.00} Tax XX/XX/XXXX {$830.00} Tax XX/XX/XXXX {$830.00} Tax XX/XX/XXXX {$820.00} View details Thinking About Refinancing? 
XXXX is here to help you find the right home loan for your needs. Call us at XXXX to hear your options or get started online today. 

Learn More PHH Mortgage PaymentMy HomeMy LoanMy NeighborhoodGoalsEducationTerms of UsePrivacy Policy XXXX PHH Mortgage All rights reserved Sent from my XXXX, XXXX XXXX smartphone
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize, nor benefit from any of the following Accounts. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : ( XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$9000.00} ) ( XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} )
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 XXXX  LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$12000.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent. This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
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  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.

These inaccuracies are stopping me from buying a new home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX at eagle loan of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX refused to reverse 30 day late when they were closed Friday at XXXX Saturday and Sunday and Monday was 30 days. this is there predatory way of lowering my score to so that i can not obtain low interest financing to pay them off then they offer me more funds and origination fees. Now i call to make payment they conveniently answer and mark me 30 days late and refuse to fix it so I must stick with subprime interest, this is predatory and also threatening to call my employer, they are a modern day loan shark
Product: Credit reporting or other personal consumer reports

This letter is sent in response to an account bought by you on an unspecified date from XXXX. I am requesting that you provide validation of this debt. 
If you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Nevada Attorney Generals office. Civil and criminal claims will be pursued.
Product: Debt collection

Cash America XXXX XXXX XXXX XXXX, OH XXXX is the comany that I had an installment loan with. In early XXXX 2016 they took out of my checking account about {$2600.00} because I was n't able to pay my installment. They made no prior arrangement to take that much money out of my account. Then a few days later they put the money back into my account and took out the normal? XXXX installment. But by that time the damage had been done and I was deeply overdrawn on my account. Then on XXXX XXXX they took {$2400.00} from my account again putting me in the hole with the bank. They say in an effort to collect a debt.The money they took was from my VA check.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no XXXX  party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

CREDITOR AND LAWSUIT INFORMATION Creditor : SLM PRIVATE CREDIT STUDENT LOAN ( Attorney : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ; Telephone : XXXX ; Email : XXXX ) Filed 2 arbitration lawsuits with the XXXX XXXX XXXX XXXX ( XXXX XXXX, Illinois ) Case 1 : Filed on XX/XX/XXXX for {$12000.00} plus approximate cost of {$400.00} Case 2 : Filed on XX/XX/XXXX for {$14000.00} plus approximate cost of {$400.00} MY BANKRUPTCY INFORMATION I filed XXXX XXXX  bankruptcy with the XXXX XXXX XXXX Virginia, with a XXXX date of XX/XX/XXXX. 

The two debts listed above were XXXX in this bankruptcy. Both XXXX debts were private, direct to consumer loans that exceeded the cost of attendance. The loans are dated from XXXX and XXXX, respectively. 

CREDITORS LACK OF COMMUNICATION REGARDING DEBT Please note that at no point between the bankruptcy XXXX on XX/XX/XXXX and the filing of the first arbitration lawsuit on XX/XX/XXXX, did the creditor or their attorneys attempt to contact me about what they deem to be an outstanding debt. I did not receive anything via mail, email or phone regarding this or any other XXXX debt. No attempts to collect this debt or otherwise communicate with me were made before filing the lawsuit in question. 

CONTACT WITH CREDITORS ATTORNEY I have attempted to notify the attorney for the creditor regarding the XXXX debt by phone on multiple occasions. They did not return any of my phone calls. I also provided a copy of the Order of Discharge ( Form XXXX ) via email on XX/XX/XXXX. I did not receive a response beyond the automated receipt response. Finally, I personally handed a copy of the Order of Discharge ( Form XXXX ) to the creditors attorney during court proceedings on XX/XX/XXXX. Again, no one responded via phone or email. 

FILED MOTION TO QUASH SERVICE OF PROCESS I filed a Motion to Quash Service on XX/XX/XXXX, disputing the receipts of summons, as I do not believe the Plaintiff/Petitioner followed proper procedures for serving me with the summons and complaint. Service of summons was not made : ( XXXX ) by leaving a copy of the summons with me personally, ( 2 ) by leaving a copy at my usual place of abode with a family member of the age of XXXX or upwards, or ( 3 ) by informing me of the contents of the complaint/petition. I requested that all proceedings be suspended until I receive proper notice and documentary evidence from the Plaintiff/Petitioner. The Motion to XXXX was denied on XX/XX/XXXX, despite the creditors attorney stating that I was served via substitute service at my parents ' residence and providing to the Judge a physical description that did not match that of either parent. 

CREDITORS CONTINUED FAILURE TO PROVIDE A COPY OF THE COMPLAINT The creditors attorney verbally informed the Judge on XX/XX/XXXX that they would mail me a copy of the complaint. They have still not done so. As of XX/XX/XXXX, I have not received proper notice or details regarding this claim.
Product: Debt collection

In XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX, sent me a debt collection notice regarding a {$50.00} bill allegedly owed to XXXX XXXX XXXX, which I had already paid by the time I received the notice. This followed a dispute over an unpaid insurance claim, over which XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX dragged their feet for months over who was responsible for what portion of my medical expenses from XX/XX/XXXX, which were supposed to be covered retroactively by XXXX and which I had already partially paid in advance. I can only assume that my refusal to pay what was owed by somebody, but not by me, is why my account was referred to debt collection. This referral was unjustified : As soon as the amount I allegedly owed was reduced to one that made sense, I paid it, and I documented that fact to XXXX. 

Despite having paid my bill already, I was targeted on XXXX XXXX, XXXX, by a deceptive robocall originating from ( XXXX ) XXXX, a number originating from XXXX 's area code and associated with telemarketing and debt collection, which used my full name including middle initial in an attempt to get me to call a toll-free number that belonged to XXXX. I wrote XXXX  a letter warning it that I had no patience for that sort of shady practice and that if it contacted me again, I would report the fact to the FTC, the CFPB, and the XXXX and XXXX attorneys general. 

Since then, I have received no communication of any kind from XXXX XXXX XXXX requesting that I pay that billas is right and proper, since I paid it a long time ago, and my current balance with XXXX XXXX XXXX is XXXX. However, today I received a notice from Professional Placement Services LLC of XXXX attempting to collect the exact same nonexistent {$50.00} debt. 

I have no patience for THIS sort of shady practice, either, and I'm writing a letter to Professional Placement Services informing it that this time I AM reporting these facts to the FTC, the CFPB, and the XXXX  and XXXX  attorneys general.
Product: Checking or savings account

I received a letter from Bank of America today stating I had a forced closed on an account that I never opened. I called the bank and was informed that the account was opened in XXXX 2022. The fraud department stated that they are going to investigate. What I find odd is that someone else I know had the same thing happen to them recently. We do not have any mutual persons that could get both our information. So I am wondering if someone at the banks are opening accounts like I have read of happening at other banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRY DETAILS XXXX XXXX XXXX capital 0ne, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX these were all reported as fraud and they never removed them and they are showing up as hard inquiries. can they please be removed i had nothing to do with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX G C SERVICES reported to the 3 credit bureau 's a debt in the amount of {$870.00}. On XX/XX/XXXX I called and spoke to a representative who agreed to take a settlement in exchange for deleting the entire account off my personal credit report, they have failed. I have called the bureau 's and G C Services multiple times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the attached credit report, XXXX XXXX XXXX is claiming that the debt is an active trade line. In order to be an active trade line, ownership rights need to be proven per the FCRA 15 USC 1681. Based on the prior documentation issued by your firm, only servicing rights exist. The alleged debt on the credit report is also subject to foreclosure action from 2018, which means the debt should listed as charged off. Moreover, XXXX never filed a claim on the foreclosure funds available post first lien claim. Such action makes the gross amount reported erroneous. Per the FCRA 15 USC1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. 
Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all credit trade line be eliminated.
Product: Debt collection

Hi I was contacted the first time from this company on XXXX, it's related to a medical bill that happened last year, however the medical company sent the notice to the event venue not to me directly, i was never able to pay this debt and the medical company sold this to a collection agency. They called me the first time and i thought it didn't go thru my insurance company first and then i disputed on that and asked them to contact my insurance first. They come back in late XXXX and confirmed the insurance company part, I asked them to send me a notice so i could pay but from XXXX - XXXX i never received them. In XXXX, i was contacted one more time and i asked about the notice still not receiving and inquire about evidence on sending the mail to me and they refused to share it. Now the company sued me because the debt.