23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage servicer, PHH corporation, has failed to apply my mortgage payments properly. Specifically, when I make additional principal pre-payments, PHH assumes that a portion of my principal payments will be held for future mortgage payments. I can provide evidence of their distribution of my payments through attachments ( screenshots ). When I contacted PHH to fix the problem I was promised resolution by a foreign call center employee. The resolution of principal payment was scheduled to take place 10 business days after my request. XXXX days after my request PHH had not resolved my payment issue. Bottom line- PHH is holding large principal pre-payments as " future payments ''. Of course, this practice favors PHH as borrowers essentially provide PHH with a free loan instead of paying down their mortgage principal. Failure to resolve this business practice reduces " borrower morale '' and enhances the risk of default for borrowers that feel helpless. Given the reluctance of PHH to change this practice, borrowers probably feel that this process is a systematic attempt to keep people in debt for the full life of the mortgage. In this sense, PHH does not impose a pre-payment penalty, but deters pre-payment attempts through their business practices. 

Forensics : I have attached screenshots of my account activity with PHH. My normal mortgage payment is attached ( {$1100.00} ). On XX/XX/2015 I made a payment in the amount of XXXX ( see attached ). Minus my mortgage payment due XX/XX/2015, PHH should have posted an additional pre-payment to principal of {$3100.00}. Instead PHH posted an additional principal payment of {$2000.00}, paid the XXXX payment of {$1100.00}, and held onto an additional {$1100.00} for my XX/XX/2015 payment. In this scenario PHH assumes that I would rather provide them with with a no-interest loan than pay my mortgage down early. The XXXX 2015 payment that was held for " safe keeping '' was intended for principal pre-payment, not a free money loan to PHH. PHH has failed to rectify the error after I notified them of their mistake.
Product: Credit card or prepaid card

I received a report on my credit stating that I opened an Apple XXXX credit card and spent {$3300.00} which Ive never seen this card in order to spend it. Also someone has been collecting unemployment in my name which Ive never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that Experian has included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report XXXX XXXX percent accurate credit information. My dispute to correct the credit profile and demand more information about these accounts have yet to be respond to. Experian 's failure to positively verify these accounts has hurt my ability to obtain credit. Additionally, they updated the account stating they were able to verify the accounts accuracy without proof of this alleged item. But how is that possible? I have contacted the other bureaus as well to verify the accounts in question, and the accounts were deleted from my credit file. Since the account is inaccurate or incomplete, how is it then Experian could have verified the accounts correctly. The following information therefore needs to be reinvestigated. According to The Fair Credit Reporting Act. If the accounts can not be verified Experian must delete the accounts from my credit report and if they can not show proof, they have verified these accounts, Experian would be in violation of the law and violating my rights. 
According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 5 ) ( A ) According to The Fair Credit Reporting Act 15 U.S.C 1681 S-2 ( 8 ) ( E ) According to The Fair Credit Reporting Act 15 U.S.C 1681 I ( 1 ) ( A ) I continued my research and noticed there are violations presently listed on my credit report after Experian 's investigation was complete. Once again how is this possible if all the information listed is XXXX XXXX percent accurate and verifiable. 
I have circled the items I disputed on the attached copy of my credit reports to show the inconsistency between reporting of these accounts. 

For instance this item, XXXX Bank in accordance with the Fair credit reporting act XXXX  account # XXXX, has violated my rights and is inaccurate/or incomplete because the date opened, high credit, date last active is inaccurate or incomplete. 

For instance this item, XXXX and in accordance with the Fair credit reporting act XXXX account # XXXX has violated my rights and is inaccurate/or incomplete because the date opened, high credit, date last active is inaccurate or incomplete. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A. It also states a consumer reporting agency can not furnish an account without my written instructions Attached are copies of my credit report supporting my request, response of bureau validation and my ability to not obtain credit. Also the bureau took more than XXXX days to complete the investigation. I have also included my certified mail tracking receipts and return receipts. 

Thank you for taking the time to read my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was fraudulent used as was personal information of mine by some company stating I stayed somewhere that I never have and upon further personal investigation I discovered, Doesn't exist. 

The debt was eventually SOLD and has since impacted my credit which EXPERIAN allowed WITHOUT CONSENT OR PROVIDING ME PROOF and has been since baggering me with calls constant mail And openly sharing fraudulent information
Product: Credit reporting, credit repair services, or other personal consumer reports

filed ftc on these co for violations thats on ftc web page XXXXDispute XXXX  XXXXDispute XXXX XXXXDispute XXXX XXXX   XXXXUnder Dispute XXXX XXXX  XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute DEPT OF EDUCATION/XXXXUnder Dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 60 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report referenced above, which contains inaccuracies and omissions, including missing payments and other discrepancies. While I understand that errors can occur, I trust in your commitment to accuracy and consumer fairness to address and resolve these issues promptly. 

I kindly request that you : Investigate and correct the missing payment history and any other inaccuracies reflected in my credit report. 
Restore my credit report immediately to ensure accurate and complete information is reflected. 
This matter is of significant importance as it affects my creditworthiness. Please take the necessary steps to update and correct my report as quickly as possible. I am confident that your agency strives for accuracy and fairness, and I appreciate your attention to this matter. 

Should you require additional information to assist with your investigation, please do not hesitate to contact me directly by Email and Phone number. 
Thank you for your prompt attention to this issue. I look forward to confirmation that my credit report has been updated accurately. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$160.00} XXXX  XXXX {$64.00} XXXX  XXXX {$590.00} XXXX  XXXX {$340.00} XXXX   XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) Account # XXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I am deeply concerned about the inaccuracy of my credit report, which is unjustly harming me. I request that you thoroughly investigate this matter and make the necessary urgent corrections. If there are no updates, I will be forced to take legal action.
Product: Credit reporting or other personal consumer reports

Account is Not Mine : This account does not belong to me, and I have no association with the debt. 
2. Written-Off and Paid : The account was written off and resolved ; therefore, it should no longer be reported as an open collection account. 
3. Violation of Accuracy Requirements : The information being reported is unverifiable and materially inaccurate. Under 15 USC 1681e ( b ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. This inaccurate reporting violates that requirement. This letter is being sent in accordance with my rights under 15 USC 1681c ( a ) ( 4 ), which limits the reporting of adverse information. Additionally, this account violates 15 USC 1692e of the FDCPA, as it misrepresents the status of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX  XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX {$11000.00} XXXX XXXX
Product: Student loan

On XX/XX/XXXX I received an email from MOHELA stating my student loans had retroactively been put in administrative forbearance for the months of XXXX, XXXX, and XXXX of XXXX. During those same months, I had made the monthly payments as part of my scheduled auto-pay. 

In the email from XX/XX/XXXX, it stated I could request a refund, with no time limit included. After receiving that email, I went to the website to try and figure out how I could request a refund with no success. On XX/XX/XXXX I tried calling MOHELA regarding a request, however due to the long wait times I was unable to speak with anyone. 

On XX/XX/XXXX, I received an email from MOHELA stating my loans were transitioning to a new platform. On XX/XX/XXXX I received an email stating the transition was complete and I could create an account on the new platform. After creating my account and logging in, there was a notification at the top stating " If you were recently notified that your student loan account was placed into an administrative forbearance for one or more of the months between XXXX through XX/XX/XXXX, and you would like to have any payment ( s ) you made during these months refunded to you, you have 90 calendar days from the date shown on your notification to contact us to request a refund. '' This notification included a newly imposed 90 day window to request a refund. The 90 day window also started on a date that has already passed before I received the notification. This suggests that I would not be permitted to request a refund for money I believe I am entitled to. 

I would greatly appreciate if the CFPB could demand clarification from MOHELA on this matter.
Product: Credit reporting or other personal consumer reports

The public record continues to remain on my credit file. 

XXXX XX/XX/2023, submitted a request for deletion XXXX XX/XX/2023 XXXX XXXX response showing public record is unverifiable Numerous disputes have been submitted going back several years. I made phone calls to customer service and even contacted the legal department. I have made several verbal and written requests for proof that this public record exists. They referred me to XXXX in written responses and information provided on their website. 

XXXX is the provider and verifier for public records. I have contacted and received documentation from them. They have informed me the public is unverifiable but Equifax in writing states the opposite. With all the documents I provided showing that this is false and inaccurate information, they refuse to delete it from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is showing on my credit report which I asked to get verification and still noting i contacted the 3rd party company they said they dont give any information
Product: Checking or savings account

I went into a Wells Fargo branch to close my account. Working with a personal banker, I transferred my checking account balance to my new account. I specifically asked to ensure that all pending transactions on my Wells Fargo account would be completed without issue. 

The banker assured me that I would not be charged a transfer fee and with that assumption calculated what balance should remain in my Wells Fargo account. I was subsequently charged a fee, causing my remaining balance to fall below the amount needed for my pending transactions. As such my rent check bounced and I was charged an additional {$25.00} by my landlord per our contract. My Wells Fargo account also retained a balance as the expected check did not clear. 

I went back into the branch to re-close my account and receive a credit for the {$30.00} transfer fee I was assured I would not be charged. At that point the branch manager, XXXX XXXX yelled at me, told me I was a liar, and said the fees were my fault. XXXX was not involved in my account closing prior to that incident and did not have any context on the matter. Still, I'm out {$55.00} and felt accosted as a customer at the bank.
Product: Debt collection

I 've been given false representation of XXXX I 've made several attempts too have removed from my credit report a debt for National Credit Systems for a balance of XXXX I 've made attempts to contact XXXX XXXX and I 've been told that I could n't speak too any representative /manager because they no longer handle the debt any longer to call XXXX XXXX XXXX And associates who 's constantly told me they have n't recieved any supporting documents I 've give documents too all 3 parties and have been given the run around XXXX are no longer an existing bussines I 've spoken with Managment who states company is no longer opperating but will adjust the balance how they see fit being XXXX Now my issue is upon leaving XXXX the only balance was XXXX after deductions which was brought too court XXXX 2015 and Dismissed with XXXX balance National Credit Systems can no longer Collect in a debt for a non existing company also the matter was Dismised and documents where proving in support and ignored by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, After receiving a FICO score alert from my XXXX XXXX account, it has come to my attention that a XXXX credit card account was opened and abused without my permission under my name and sent to a rental property address that we own. Please let me know if you need further information to resolve this issue. I am requesting that this account be removed from my credit reporting agencies upon receipt of this letter. We are applying for a refinance on our rental property and this account has dropped our score considerably. We believe a family friend who was residing at our rental property at XXXX XXXX XXXX XXXX XXXX for the last 7 months is the one responsible for these fraudulent accounts being opened. We know he also resides in California, but has had a history of XXXX XXXX, along with XXXX XXXX   and were providing him a place to stay while he was attempting to get his life in order. We believe he had accessed our personal information that was stored on-site at our XXXX XXXX property and used it open several credit card accounts. We have contacted the proper authorities as well. Please provide us with any further information, as we will be notifying the credit bureaus as well. We are also filing complaints with the FTC, XXXX XXXX XXXX and the Consumer Financial Protection Bureau to make sure we are not held responsible for this fraudulent account and charges. I do not understand why I did not receive any phone verification from XXXX in order to open this account. All the other creditors I have past accounts with have gone through a multiple-step verification to open a credit card account given the amount of ID theft these days.
Product: Prepaid card

From XX/XX/year> ; thru XX/XX/year> bank of America made my debit card funds unavailable to me.they sent me a lousy {$230.00} check for compensation I requested more for loans and interest I accrued due to them making my money unavailable. They asked for more documents I submitted them didn't here anything for 3 months despite XXXX phone calls. I filed a complaint with you and XXXX weeks later the denied my request..is n't that fishy ... due to my complaint that's why they denied me..where 's the justice in this! Now I have to hire an attorney and fight this..thank you so much I appreciate it.
Product: Mortgage

FHA LOAN BEWARE! I never received a copy of my appraisal prior to closing on XX/XX/17. The appraisal show 's the value of the property along with the pictures that were taken that might reveal detrimental non-compliant conditions. See attachments of all deficiencies that existed during appraisal, but was noted as it " meets the standards ''. For anyone who has similar issues your appraiser is " required '' to properly observe and properly explain existing conditions during the appraisal. Mine did not do those requirements which in turn in my opinion is an inflated value for not adjusting the value vs repair cost or even property ineligibility. Someone also failed to properly review the appraisal documents as required by HUD. Do your research before ever applying for an FHA loan with a lender. Look at the company 's history and see if any complaints exist or are ongoing as my lender has plenty. A vital error in the process has cost me XXXX XXXX XXXX XXXX XXXX of dollars and more. Do not rely on the trust of others.  The crawl space has dirt up to the floor joist which later revealed rotten wood throughout the house. We found that dirt covered plumbing just a few feet from where the picture was taken by the appraiser that was XXXX taped. This is not how a FHA 203B loan is suppose to work. The appraisal is for the " buyer protection '' some said but is actually used for collateral in the event your default or foreclose. If done properly the appraiser and review of the appraisal will protect you, but mine did just the opposite!
Product: Credit reporting or other personal consumer reports

Credit reporting agencies : XXXX, XXXX XXXX Transunion XXXX : XXXX SECURED XXXX SECURED INSTALLMENT ( ( XXXX ) ) In accordance with the FCRA, this creditor has violated my rights. Under 15 U.S.C 1681 section 602, I have a right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666b a creditor is prohibited from treating a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. This is fraudulent I have never in my life lived in XXXX  I am a XXXX XXXX and I'm only XXXX XXXX XXXX in college at XXXX XXXX XXXX I have no clue what this account is but it is fraudulent.
Product: Vehicle loan or lease

Carvana charge me for a new plates and registration however it was a transfer now they bill that to the loan and I'm paying interest on it and they haven't issue my refund I have call multiple times and give me different story
Product: Debt collection

Comenity Bank calls INCESSANTLY. I receive over 7 calls EVERY SINGLE DAY. 7 days a week. Even after I have made my payment, they call continuiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure that everything was accurate and complete according to 15 USC 1681i ( 5 ) I have waited more than 30days and received my investigation and Ive notice everything was still the same. The consumer reporting agency which is equifax did not remove or modify anything. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on all three reports Which is a violation. This is really impacting me from buying a house for my family and a purchasing a vehicle. 
I am emotionally distressed, frustrated and depressed from this matter. Ive attached my previous credit report and my new credit report to show how equifax violated my rights.
Product: Debt collection

I was a patient of the Emergency room and my insurance was not properly filed by XXXX employees, who were more concerned with having an inappropriate conversation then doing their jobs. The employees were given a copy of my XXXX XXXX XXXX XXXX XXXX insurance card, and still did not enter the information correctly. I spoke to XXXX XXXX who stated they would remove this fraudulent debt and clear the account. They instead sent it to a collections agency instead of doing the right thing so they can collect more money.
Product: Credit card or prepaid card

they put XXXX points of welcome offer advertisement to fulfill the requirement of eligible spending within 4 months. I apply for the card in XXXX and waited until XXXX, I contact customer service who told me I was eligible for the offer and will receive it after XXXX weeks, I contact another customer service today and he told me that I was not eligible for the offer ( which was very different from the previous agent ). I did not apply for this credit card before and did not redeem any other offer before. I kept all the conversation history and screenshots.