23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2021 - Account Modification Approval Notice received. Initial payment of {$790.00} required by XX/XX/XXXX. This payment was made on XX/XX/XXXX via cashiers check and deposited by PHH on XX/XX/XXXX. This was XXXX payment # 1 under the agreement. Copy provided. 

XX/XX/2021 - " fully executed '' agreement received. Copy provided XX/XX/2021 - Payment of {$790.00} via XXXX XXXX online banking. See Account Transaction Detail Report. This was XXXX payment # 2 under the agreement XX/XX/2021 - Received letter from " XXXX XXXX '' stating that my loan was not eligible for modification because I did not make the initial payment on time. 

XX/XX/2021 - I complained XX/XX/2021 - Payment of {$790.00} made to PHH via XXXX XXXX online banking. This was XXXX payment # 3 under the agreement. 

XXXX XXXX - PHH reversed my XXXX payment. XXXX notified me so I purchased a cashiers check to send in. 

XX/XX/XXXX - Received email from PHH stating the modification cancelation was in error. 

XX/XX/2021 - PHH recredited my payment so I redeposited the cashiers check to my account. 

XX/XX/XXXX - Received email stating that I owed {$48.00} from BEFORE the modification and the modification could not be completed until I paid it. I protested but eventually paid it just to shut them up XX/XX/2021 - Payment of {$790.00} made to PHH via XXXX online banking. This was XXXX payment # 4 under the agreement, XX/XX/2021 - payment of {$790.00} sent to PHH via XXXX online banking. This was payment # 5 under the agreement. 

I am up tp date and current, 5 months, 5 payments. This company constantly holds, reverses payments to make me appear late.They always show my account as past due even though payments were made well iin advance, See screen shot of website. During all the reversal and payment manipulation in XXXX I became so overwhelmed, stressed, and upset I had to be taken to the hospital by ambulance and admitted. I should sue for damages.
Product: Debt collection

I XXXX XXXX does have a legitimate dispute that the Federal Trade Commission should investigate. In XXXX, a resolution was presented to the United States XXXX labeled XXXX. This resolution was designed to specifically give permission for public utilities to post payment information against individuals for any public utility. This would have meant the redefining of the meaning of what credit was or represented. The Fair Credit Reporting Act was initiated and procured as federal law in XXXX XXXX to establish a level playing field between consumers and the XXXX system. Public utilities are regulated by XXXX throughout every state and in many cases municipalities throughout the country. XXXX failed to make it out of committee and was never voted upon. In retrospect, public utilities abuse the Fair Credit Reporting Act by using the credit reporting process, even though by law they are not entitled to it. Any mention contractually that a company such as XXXX could use my personal information such as my social security number to report anything against me would be a serious violation of my constitutional rights. The use of my information by transfer would need to be established in writing, and that in itself could cause problems against XXXX in class action proportions. Because of a delay in the transfer of cable/wireless equipment to XXXX, a transfer that contained no additional remuneration, XXXX decided to abuse my personal credit report by the transfer of my personal information such as my social security number. This in itself is nothing less than identity theft. Accordingly, my file information from XXXX and the collection agency known as Eastern Account System needs to be purged immediately and permanently. I make my identity theft claim based upon the transfer of personal information XXXX had no right to share with any third party to begin with. My complaint is real and 100 % legitimate. My file information must be purged immediately and permanently.
Product: Credit reporting or other personal consumer reports

CFPB XXXX I have discovered accounts and inquiries in my consumer report that are a consequence of identity theft. These entries are not associated with any transactions conducted by me. I have made attempts to reach out to the companies directly but have been unsuccessful. Enclosed, you will find the FTC report, my consumer statement, and documentation verifying my identity. 

What is a fair resolution? 

It is essential for the companies concerned to act justly and fairly towards me as a consumer by eliminating this erroneous information from my consumer report. 

I, XXXX XXXX XXXX, wish to formally report an incident of identity theft. It appears that an individual has unlawfully accessed my personal information, including my XXXX XXXX XXXX and has attempted to open multiple accounts in my name. Consequently, I have observed numerous unauthorized credit inquiries on my credit report. These inquiries originate from the following institutions : 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 XXXX  All these inquiries are unauthorized, as I did not initiate any applications for these accounts or loans, and they should not be present in my credit report. 

XXXX XXXX XXXX
Product: Mortgage

I submitted my XXXX XXXX mortgage payment via Carrington Mortgages automated payment system on XXXX/XXXX/2016 for XXXX/XXXX/2016 which was a Sunday. This was done electronically so I assumed it would post but I knew it wouldnt process until the next day. The automated system stated that payments on weekends and holidays would PROCESS the next business day. It did n't say post the next business day. So Carrington posted my payment for XXXX XXXX although even the documentation they sent me states XXXX XXXX. This caused me to receive a 30 day late on my credit. I disputed this with their research department who refused to correct the 30 day late. I feel this is unfair credit reporting and wish to have it rectified.
Product: Checking or savings account

The account is not my account the account is inaccurate, the account is open under fraud. All checking accounts that's listed under my social security number is fraudulent. Wells FargoXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Etc. I am a victim of Identity theft. Please assist in helping removing away from my name. These are not my account. I never had knowledge of this until now
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, Specialized Loan Servicing ( SLS ) sent an Escrow Account Disclosure Statement, notifying me that my escrow account would have a shortage of {$21.00}. The statement specifically stated the following : Since there is a shortage in your account, a payment coupon is attached to the bottom of this statement if you choose to pay the shortage in full in a lump sum. If you do not wish to utilize this coupon, we will adjust your payment to make up the difference. 

I elected not to pay the shortage in a lump sum and began paying the new monthly payment of {$2300.00} that went into effect on XX/XX/XXXX. 

Rather than properly applying my {$2300.00} XX/XX/XXXX payment to principal and interest, SLS blatantly ignored their own letter and applied my payment to a suspense account so they could continue to charge me interest on the higher principal balance. I also received a notice from XXXX XXXX   that my credit score had recently suffered a significant decline. When I researched the cause of this decline, it resulted from SLS falsely reporting my mortgage payment being 30 late. Their false reporting to XXXX caused a 57 point decrease to my credit score! 

Ive provided copies of all relevant documentation for your review. This isnt the first time Ive had problems with SLSs incompetence and outright fraud. One year ago, SLS threatened foreclosure action against me, ignoring that fact that my loan was in an approved forbearance agreement that had been granted by XXXX XXXX since my principal residence was located in a Federally declared disaster area and their threat of foreclosure was illegal! 

The actions of this company are downright criminal! They should be banned from the mortgage serving business! Their actions and behavior are as criminal as XXXX when they were servicing student loans! I encourage you to XXXX this companys name and see the THOUSANDS of complaints and lawsuits filed against them! They should be put out of business for good!!
Product: Debt collection

Sent the following letter to the collection agency on XX/XX/XXXX - Notification received shows " As of XX/XX/XXXX, you owe {$630.00} with interest of {$47.00}. '' I responded, " I want to dispute this debt because I think this is not my debt. '' XX/XX/XXXX - Notification received states in receipt of your inquiry in which I requested validation of the debt, an itemized statement is attached. It includes the name the facility that provided the service, the amount charged and an itemization of the charges. This statement did NOT provide validation it's my debt. As I responded on XX/XX/XXXX, the document shows, " XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX in XXXX, AZ '' ; which I have never been to that facility. The document shows a total amount of {$630.00} and I already stated repeatedly I have no medical bills for that amount nor do I recognize it. The document shows an itemization of the charges stating, " Emergency department visit for the evaluation and management of a patient. '' which does not provide any clarification what this bill/debt is actually for. 

This is NOT my debt and now they filed a nagative report on my credit and made up the amount so it could be reported. I have NO medical debt and haven't been to any doctors or emergency rooms in years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed my most recent credit report and came across some errors reporting to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  is reporting inaccurate information on my credit. They are reporting inaccurate dates of last activity and re-age dates. FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
Product: Mortgage

I recently received a default letter from Ditech saying that they have n't received my XXXX XXXX mortgage payment. I have proof/documents that I have been making monthly mortgage payments. I spoke with a Ditech supervisor ( XXXX XXXX ext. XXXX ) and he says that my mortgage payment has been placed into Escrow. XXXX then says he will need to research my account and he will call me back once he had some more information. XXXX has yet to return my call and each time I try to contact him, I get his voicemail box. I call Ditech again XXXX/XXXX/XXXX and speak with another representative who tells me that my XXXX XXXX payment has been used to pay bankruptcy fees. I began to tell her that was incorrect because all fees were paid and discharged through Chapter XXXX bankruptcy court. The representative says she will email me a document that would verify where my mortgage payment went. I have yet to receive this email. There has been ongoing problems with Ditech misapplying my mortgage payments ever since my mortgage was sold to them from Greentree. The attached documents outline payments and letters from Ditech. The highlighted areas show information where Ditech claims I am in default {$1300.00}. I am only to make XXXX XXXX payment of {$690.00}. Ditech is now sending notices to pay this false {$1300.00} payment. Also, I am due to pay XXXX payment but I am hesitant to send it in because I am unsure how Ditech will apply it.
Product: Credit card or prepaid card

I have an existing account with Kohls ' since XX/XX/2006. This year, I attempted to increase the credit limit twice, which should have resulted in a soft inquiry. Note there was no notice stating that there would be a hard inquiry. Instead, Kohl 's did two hard inquiries, as if I was applying for a new card. These inquiries significantly dropped my credit score. I contacted Kohl 's several times about this, and they said they would remove the inquiries. However, the inquiries are still there as of today.
Product: Bank account or service

I had my 2015 tax return sent to net spend on XXXX XXXX. They let me make couple of with draws. Then they put a block on it. They wanted information that I could n't provide.So I told them to mail it to me.I call several times and talked to many supervisors and all gave me different information.They claim they mail it off.Here are some of the dates XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX &, XX/XX/XXXX all dates had a20 day waiting period. As of today date XX/XX/XXXX I have n't received it.Now every time I call I 'm holding till the line click off.
Product: Debt collection

Reached out to the company seeking a resolution. After my request, client sent documentation claiming that I owe a total of {$1100.00}. The break down sent is clearly a misrepresentation considering my move out date was XX/XX/XXXX and my lease ended XX/XX/XXXX. As you will see that a New security deposit, 1 month rent, prorated base rent, eviction fees late charges and Base rent totaled {$1400.00}. I received a credit of {$300.00} which gives me the new total of {$1100.00}. Company is unable to provide why a new security deposit and charge were calculated. Not to mention the {$450.00} in rent due, including the late charges of {$75.00} and Eviction Fees of {$99.00}. None of these fees should have never been included as I was on a month to month lease and the funds were potentially stolen by an employee that is no longer with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter sent XX/XX/2022 a formal complaint to XXXX Transunion and XXXX for Violating my Federally Protected Rights as a consumer ; received no response. Sent a follow up letter XX/XX/2022 demanding them to comply to their policies with verifying accounts within 30 days; received no response.
Product: Debt collection

After 11 years of litigation, 3 bankruptcy actions ( two ChXXXX 's and a Ch. XXXX ) against XXXX XXXXXXXX XXXX, XXXX, XXXX obtained a judgment in foreclosure using the FALSELY ALLEGED HOLDER " XXXX XXXX, XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. The note was held by " XXXX XXXX XXXX XXXX XXXX ''. XXXX was Trustee and would have been subject to our counterclaims for fraud, but they used a different " trust '' to foreclose to avoid lender liability. 
Foreclosure judgment obtained in XXXX XXXX ( XXXX XXXX, WI ) after they bribed a judge with a {$120000.00} mortgage " reduction '' by " XXXX '' letter only back in XXXX. I have proof of that bribe. 
XXXX ( non-performing loan ) sold to Specialized Loan Servicing, who contacted me in XXXX of XXXX seeking to collect monies for " escrow shortgage ''. I sent a QWR, timely, and it was ignored. 
We are now in receipt of a 1099-A for the XXXX tax year for the foreclosed property which was quit-claim deeded to the lender in late XXXX to avoid any liability from the ZOMBIE FORECLOSURE property left to rot and deteriorate. XXXX XXXX and SLS are engaged in a racketeering enterprise to harm past customers/borrowers/victims of foreclosure fraud. Debt discharged in BK. THERE IS NO DEBT!
Product: Credit card or prepaid card

XXXX emailed me about updating my account info. I don't have captialone account.
Product: Debt collection

I am getting repeated calls from Synchrony Bank ( SP?, phone number XXXX ), regarding an Amazon store card. I do not have any Amazon credit card, I believe the calls are meant for the last person to have my phone number ( I often get calls meant for this person ). The calls from Synchrony are automated, and if I answer, tell me to call them back. When I call their number ( XXXX ) I get an automated system that is only to verify my acct. information ( which I do not have, since I do n't have an account ). After several minutes ( 2-3 ) of failing to verify my ( non-existent ) account information, it says it is transferring me to a customer account representative and then hangs up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing charge off accounts on my consumer report that were previously all removed in XXXX or XXXX on XXXX all accounts were removed then added back without explanation I was never notified within 5 days that those accounts were being rescinded back on to my consumer report. once they are deleted they should have never been reinstated back on my consumer report. I am only finding out why those accounts were added back on my report as of Monday XX/XX/XXXX of XXXX because I disputed those accounts again and was just told why it got added back previously as per XXXX  reps.i was told they will not be doing a reinvestigation into this dispute. XXXX told me the credit granters have subsequently certified theses accounts accurate I have requested the methods and documents one verification in which I still have not received any. these accounts need to be removed again immediately as they should have never been reinstated in the first place once removed. I submitted identity theft claims for them to block the information because my information was compromised. Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of TRANSUNION, XXXX, XXXX have aided this fraud by not properly verifying these accounts. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. again these accounts need to be REMOVED permanently immediately.
Product: Debt collection

I was reached out to by a collection agency claiming medical debt from 3 years ago. This collection agency called me on XX/XX/XXXX saying that I owed close to {$300.00} dollars from XX/XX/XXXX for 2 prescriptions. I explained several times that I never received this prescription and that I always pay my pills on time. I reached out the better business bureau on XX/XX/XXXX and explained the situation and they reached out to the company. The company then sent a fake bill with dates that did not match. I reached out to my medical insurance on XX/XX/XXXX where they verified that I never saw a doctor within the time span this was from and nothing was ever submitted. I emailed the XXXX back stating that I never saw a doctor and I also called the number on the " invoice '' they provided me that leaded to a sketchy number with no return call. The XXXX called me this week and informed me the medical company had closed on XX/XX/XXXX and that this seemed to be a hoax. The XXXX informed me I should contact the Federal Trade Commission on this. I went to the FTC website which then has led me here. The collection agency is threatening to report this to my credit on XX/XX/XXXX. Please help.
Product: Debt collection

Pendrick Capital Partners LLXXXX has used XXXX XXXX XXXX XXXX in XXXX of XXXX and now XXXX XXXX XXXX , XXXX to collect a false debt. In XXXX of XXXX I sent XXXX XXXX XXXX XXXX and Pendrick Capital Partners LLC letters and invoice copies that showed that this debt was paid by my insurance company. Now in XXXX of XXXX this other company XXXX XXXX XXXX XXXX is trying to falsely collect the same exact amount and date for Pendrick Capital Partners LLC.  This debt was paid long ago and I am writing to this new debt collector, but I would like to fix where they are getting this false information. Do they buy lists of false debts in order to harass consumers? I believe this to be so, because after solving this with one company a new company has the same information, that is false.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 ( a ) ( 1 ) ( a ) Responsibilities of furnishers of information to consumer reporting agencies.

( a ) Duty of Furnishers to Provide Accurate Information ( 1 ) Prohibition ( a ) A person who furnishes information to a consumer reporting agency must not provide any information that they know or have reasonable cause to believe is inaccurate.

Reporting Errors : If a consumer notifies the furnisher that specific information is inaccurate, the furnisher must refrain from providing that information to the consumer reporting agency.

Reasonable Cause : The term reasonable cause to believe that the information is inaccurate refers to having specific knowledge beyond mere allegations by the consumer that would cast doubt on the accuracy of the information.

Once the original creditor sells the debt to a third-party debt collector without my permission. I no longer owe the debt.

15 US Code 1681i ( 5 ) is a section of the Fair Credit Reporting Act ( FCRA ) that outlines the treatment of inaccurate or unverifiable information in a consumer 's file at a consumer reporting agency123. If the completeness or accuracy of any item of information contained in a consumer 's file is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer12.