23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called Pennymac on XX/XX/year> and advised them that we were having an income reduction and were looking to see what could be done so our credit was not effected. 
We were told that once we missed XXXX monthly payments that we could apply for a forbearance that would take XXXX payments and add them to the end of our loan. It would also have no effect on our credit. 
We got a letter from Pennymac stating that we had a payment due on XX/XX/XXXX. I called them to see why and was told that they agent that I spoke to on XX/XX/year> gave me the wrong information and that my credit was going to be effected and that there was no 12 month program. The person I spoke with even saw the notes that the person left on XX/XX/year> showing what she told me. This has XXXX effected our credit and even worse at a time when XXXX of our children needed a XXXX XXXX co-signed for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir I had recently get my report and found many corrections which are listed as below Account 2 XXXX XXXX  XXXX XXXX EDUCATION LOAN XXXX showing closed and current outstanding Rs XXXX, both are wrong, this account is Active and having current outstanding XXXX as on today. 

Account 3 XXXX XXXX  XXXX XXXX EDUCATION LOAN XXXX is fully paid & closed by bank with no outstanding but still showing incorrect outstanding Rs 5 and current balance XXXX/- is  also wrong. 

Account 13 XXXX XXXX  XXXX CREDIT CARDS XXXX showing current outstanding Rs XXXX but as on today there is no outstanding balance on this credit card. 

Account 15 XXXX XXXX CREDIT CARDS XXXX showing current balance Rs XXXX/- is  the wrong one, as on today there is no outstanding for this loan. 

Please made above correction as soon as possible and revert me soon. Hoping positive response from CFPB. 
I had raise complaint to experian more than five times but still my issue was not resolved. I request CFPB to resolve my concern to help me out of these and improve my score. 

Hereby I am providing my additional information which may be required to you while investigation. 

Experian Report Number ( ERN ) : XXXX Unique Transaction ID : XXXX Report Created : XXXX Name : XXXX XXXX XXXX Contact Number : XXXX Date of Birth : XX/XX/1992 Email Id : XXXX Pan Number : XXXX Address : ( Pin Code Mandatory ) AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Source : ( From where did you obtain this report from ) : FROM EXPERIAN OFFICIAL WEBSITE Thank you ...
Product: Credit card

I have an account with Capital One and have never been late or missed a payment. For a while I had been making the minimum payment due and I applied for a credit line increase last year and was turned down because I was only making the minimum payment due even though I had never been late or missed a payment. XX/XX/XXXX I stopped using the account so I would not be at the maximum limited and increased my payment from XXXX XXXX to XXXX. On or around XX/XX/XXXX I applied again for an increase and was denied again, this time because my average payment has been to low. I feel like they are not treating me fairly because I am a XXXX veteran and a XXXX. I have in good faith done everything that is legally required of me and I am seeking your assistance.
Product: Mortgage

I took out a HELOC in XXXX with GMAC and paid it off 15 years ago in XXXX at refinance settlement with XXXX XXXX XXXX  ( Please see attached Settlement Statement showing payoff with XXXX XXXX XXXX  as well as the paid-in-full letter from GMAC XXXX XXXX ) XXXX However, GMAC never released the XXXX. XXXX XXXX was a savings and loan association that was based in XXXX, California. The company underwent bankruptcy and was divided up between XXXX XXXX in XXXX, which in turn was acquired by XXXX XXXX in XXXX & Ocwen Loan Servicing which is now PHH Mortgage. 

We filed a CFPB complaint against XXXX XXXX ( Case number : XXXX ) In response to that complaint, XXXX XXXX has XXXX the following : The loan referenced was serviced by GMAC. GMAC was acquired by Ocwen Loan Servicing who is now PHH Mortgage. 
( The full response from XXXX XXXX is attached to this complaint - " XXXX response XXXX '' ) We have enclosed the HUD Settlement Statement, which confirms the payoff of the second mortgage was to GMAC. 
The attached Deed of Trust shows the lender as XXXX  XXXX XXXX XXXX XXXX ( XXXX  ), the nominee for GMAC. 

Based on the above information we received from XXXX XXXX, ( XXXX response XXXX ), we hereby demand action be taken by PHH Mortgage to provide a release of the XXXX lien in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX ) IS REPORTING LATE PAYMENTS ON MY CREDIT REPORT THERE ARE A COUPLE ERRORS ON MY CREDIT REPORT WITH LATE PAYMENTS DURING XXXX, XXXX, XXXX AND XX/XX/2020 I WAS NOT LATE ON THESE PAYMENTS I ALSO HAVE A XXXX BALACE ( XXXX XXXX ) HAS A 30 DAY LATE ON MY CREDIT PROFILE I HAVE NEVER MISSED A PAYMENT WITH THEM
Product: Debt collection

On Friday, XXXX/XXXX/XXXX at XXXX, I received a call on my cell phone from XXXX. A XXXX XXXX representing/working for National Credit Adjusters informed me that her client was XXXX ( now XXXX XXXX ). I owed {$2000.00} account # XXXX. 
I told XXXX XXXX that I would contact her Monday, XXXX/XXXX/XXXX. 
On Monday, XXXX/XXXX/XXXX at XXXX I contacted XXXX ( now XXXX ) at XXXX. I spoke to a XXXX who could not answer my questions of who my account # XXXX was turned over to, when, and what was the balance due on the account at that time? Mind you now, XXXX XXXX XXXX still had my account on record. 
I spoke to a supervisor XXXX who informed me that my account was turned over ( I suspect sold ) to XXXX XXXX ( XXXX ) on XXXX/XXXX/XXXX. But, she could n't ( I say she would n't ) tell me the balance that was due on the account at that time. 
I left a voice message on XXXX voicemail on Monday, XXXX/XXXX/XXXX at XXXX PST. 
I female representative for XXXX called my cellphone from a Restricted # at XXXX PST on Monday, XXXX/XXXX/XXXX. 
She informed me that my account was turned over ( I suspect sold ) to National Credit Adjusters. She also claimed that she could n't ( I suspect would n't ) tell me balance due on the account at that time. XXXX XXXX only collects and issues/distributes accounts like mine to different collection companies/agencies/what have you. 
I informed XXXX XXXX XXXX who called me on my cell phone today, Tuesday, XXXX/XXXX/XXXX from XXXX of the actions I 'm going to take to protect myself. 
Is n't there some kind of legislation/statue/law against this type of business practice? 
Please, investigate and advise me? I do n't what to be scammed.
Product: Money transfer, virtual currency, or money service

I requested USAA XXXX a cashiers/official check to a realtor for a rental agreement. The funds in excess of {$2000.00} were immediately withdrawn from my account and the check was sent to the realtor. When the realtor attempted to deposit the check 14 days later, the check bounced at their local bank. I have spoken to USAA multiple times without resolution and they have not refunded the funds to my checking account. USAA confirmed that they issued the check and canceled the check the next day without any reason or explanation. Still no refund.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act this creditor has violated my rights. Under XXXX Section XXXX Section ( 602 ) states : I have the right to privacy. XXXX XXXX Section 604 ( A ) Section 2 it also states a consumer report agency can not furnish my account without my written instructions. Under XXXX ( XXXX ) a creditor may not treat a payment on a credit card account under and open and consumer credit plan as late for any purpose
Product: Checking or savings account

On Monday XX/XX/XXXX I made a cash deposit of XXXX at navy fcu atm machine inside XXXXXXXX XXXX after making the deposit I shopped in the store I went to the register and purchased a package of cinnamon candy I pulled out my debit card to pay and when the clerk told me these are on sale I changed my mind about using a card for the purchase and used cash instead. The card must have never went back in my purse. I was on a lunch break and I work remote I left XXXX and I came home and I got text message from navy fcu asking me if I made XXXX transactions I called them and when they. told me what the transactions were I told them no I did not! I also checked my purse and noticed my navyfcu card was not there they told to submit claim I got an email in my account and explained what happened and they stated answer questions which I did then I got and email stating the claim was didnt I called them back spoke with a young man named XXXX and he states XXXX XXXX XXXX have to have the questions answered section by section as number XXXX through XXXX I sent they following answered questions XXXX was at XXXX here on XXXX by homeand i went to make a deposit after I went to the register to pay for the purchase and i decide to pay cash instead my I sat the card down at register last time i saw it .Shortly after that i recived XXXX alerts asking me to verify transactions after my card was misplaced this is where i assume it was compromised I responded by calling navy fcu I explained to the representative that the charges listed were a result of my card being stolen andte transactions were not authorized by me XXXX. The card was lost or stolen when i misplaced ot at the register at XXXX XXXX. The card did not remain in my possession it stolen and used after I left XXXX XXXX. Sometime before XXXX eastern on XX/XX/XXXX shortly after I received alerts from your fraud department XXXX. I have never given anyone my card information XXXX. I did not partake on these charges nor did I receive any merchandise or services.I do utilize these merchants in area but not to be confused with the listed fraudulent charges. These charges do not belong to me my card was not in XXXX possession when these charges were made XXXX. I did not participate in these charges they ate suspected XXXX and my card was compromised They still denied claim in also when the initial fraud claims rep told leather stopped the debit card and I can have a replacement she asked did you want that mailed I advised. thats fine then she told me XXXX XXXX you know you can go in a branch and pick up a new card so I told he no I did not know that I went to the branch to get a new card when I got off work and tried to use it and it was the wrong card then I went back to the branch next day and was told sorry about that their teller was new. This has been a very terrible experience that I hsbcd never had in my XXXX time I did not authorize any charges that occurred on m account this is a financial hardship and defamation of my character
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I was notified on my XXXX XXXX app that I was Pre-Approved for a {$10000.00} debt consolidation/emergency loan. I applied for the loan that was through One Main Financial. One Main did a hard inquiry on my credit report but never called me, never asked for proof of income verification, never sent a letter of denial, never contacted me whatsoever. Now there is a hard inquiry from this company on my credit report but no loan which I was pre-approved for. I contacted XXXX XXXX by email. They made some excuses but never dealt directly with the issue. Now they show the same loan as Pre-Qualified. I would prefer to get the loan but I don't appreciate the dishonesty of either party.
Product: Debt collection

Keybridge Medical Revenue Care mailed a letter to me that I received on XX/XX/21. This was the first letter I had received from them and by XX/XX/21 they were reporting on my credit as a collection. The letter I received from them states : We ask that you come into our office located at XXXX XXXX XXXX XXXX, XXXX, OH regarding this account. If you wish to make a payment, we accept for your convenience, Visa, Mastercard, XXXX, check over the phone or personal check or money order by mail. This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

No where does it give me any information or option to dispute, nor did it give me time to before they through it on my credit. I believe this to be 100 % intentional because I am trying to secure a mortgage. And I'm trying to secure a mortgage so I can live closer to where my kid is receiving XXXX  treatments, 2 hours away from my current residence. 

This is ridiculous and predatory. I was never given a chance to dispute or address this medical collection before they demand I drive to XXXX  ( I live in PA  ). 

I would like this removed from my credit report immediately!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 

Incorrect Address ( XXXX ) : Wrong : 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 List Erroneous/Inaccurate/Fraudulent Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681 e ( b ) Accuracy of Information. This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2. 15 USC 1681i Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies. 
XXXX. 15 USC 1681c Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
XXXX. I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. 
Enclosed are copies of my identification and proof of residence for your reference. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX TRIED TO DISPUTE WITH CREDITORS NO FEEDBACK PAST 45 DAYS ACCOUNTS NOT MINES PLEASE REMOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit report to correct inaccuracies an they didn't! 

In accordance with the FAIR CREDIT REPORTING ACT : XXXX is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing XXXX XXXX XXXX from XXXX XXXX XXXX is showing ACC. XXXX XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing ACC. # XXXX from XXXX XXXX is showing ACC. # XXXX from XXXX XXXX XXXX is showing ACC. # XXXX from XXXX XXXX ALL HAS VIOLATED MY RIGHTS 15 USC 1681 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I did a modification with Nationstar Mtg. in 2013. In my modification is was unclear that they were adding a XXXX trust deed for the arrears. This has created a financial hardship for me due to the loan limit restrictions for XXXX XXXX. The subordinated note provided to me states that this loan is due in XXXX. It was completely unknown to me that this was a balloon payment. On this document they failed to indicate that there is a balloon payment feature. When I spoke with them I was under the impression that this amount was being forgiven not added as a second with a balloon payment. They contacted me several times on different occasions to sign documents and sent out a notary public each time. When I asked what they were for, I was told that is was to finalize my modification, no mention of a second. After sending XXXX different people out Nationstar Mtg. approached me a 5th time and offered me {$1000.00} to sign the docs. As I was going through financial hardship I accepted the money and signed the docs and was mislead as to the actual terms, as I thought this was to modify my original note not to add a second note. Because of the FHA loan limits I am unable to refi. I would like to know If this amount can be forgiven as I was initially lead to believe it would be. It is my request that this amount be forgiven due to misrepresentation.
Product: Credit reporting or other personal consumer reports

Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681 - permissible purposes 15 U.S Code 1681 " blockages of information ''. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report.15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.
Product: Checking or savings account

Social security number was hacked by using this service and phone scam was connected which stole about XXXX of my funds which cost me to lose my usaa account that I had had for XXXX years
Product: Credit reporting or other personal consumer reports

I did not authorize XXXX XXXX  on XX/XX/year> to pull my credit file, this was a fraudulent attempt to get a credit card in my name.. I would like this investigated and removed from my credit file.
Product: Debt collection

I opened credit cards as XXXX year old about 2 1/2 years ago to try to establish credit for myself. I used them a few times and was making on time payment every month without enough knowledge of interest rate. I lost my job and at this time credit cacrdbalance was paid off, I asked credit card company to close cards before next payment was due because i was not in the position to pay. I did not keep up with this request or double check if this was done. Due to this, the credit cards are still open and now have a lot of interest rate charges as well as late payment charges. I am in no position rightnow to pay any of the money back and would really like have a dispute filed so my credit does not get ruined and debt does not keep piling up. Please help dispute.
Product: Credit card or prepaid card

I am based out of XXXX. I hold an AMEX Platinum Reserve Card. During XXXX XXXX, AMEX conducted one promo where if card holder makes INR XXXX spend, qualified for INR XXXX worth gift voucher. I qualified for the same but never received the vouchers. 

I made numerous calls to AMEX support center in XX/XX/XXXX to get them send me the vouchers. Every time I hear from them that they sent the vouchers, but I never got it ( I was keenly checking my inbox and junk folder daily for the voucher arrival ). 

On XX/XX/XXXX, one of the representative sent the voucher from her personal email ID in which I first saw the voucher, which already expired on XX/XX/XXXX! 

Again I had spree of calls with their complaint escalation chain several times. They kept on delaying the response and every time come back with same answer of not providing me a valid voucher. 

I reached up to the top level of escalations. Now I somehow manged to get the call recordings of the calls I made to the customer support several times in XX/XX/XXXX. I need help to get the voucher which I am entitled to.
Product: Checking or savings account

On Friday XX/XX/XXXX, I mailed a check for {$500.00} to the State of Michigan for the purpose of playing for state taxes. It appears that this check was stolen out of the mail, and the contents were written over with a new amount of {$5100.00} and written out to someone named XXXX XXXX. I have no idea who this person is nor have I ever made out a check for that large amount and never to an individual. Alliant Credit Union did not flag this transaction and I did not have a notice for this until the transaction was completed on XX/XX/XXXX. I contacted Alliant where the representative stated this will entail a 30-90 day transaction and the bank will consider crediting me this account in 10 business days. This amount stolen from me is so large it is financially crippling to me and I can not wait that long. Alliant Credit Union had an image of this check on the list of transactions for my checking account which I would have attached to this complaint, however this has since been deleted by the credit union.