23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

What is this complaint about? 
Refusal by PHH Mortgage services ( PHH ) to evaluate my loss mitigation application stating I did not reached out to them six months before the Mortgage Ballon and their refusal to release the investor ( s ) related to the loan. 

What type of problem are you having? 
The PHH Mortgage Services Companys ( PHH ) refusal to look at, and properly review my application for a modification insisting that it should have been submitted six months before the ballon became due. However, when I reached out to PHH on XX/XX/2020, I was told that it was too early to determine any course of action and I should contact PHH in XXXX or XX/XX/2020. 

What happened? 
On XX/XX/2020, I received a letter from PHH dated XX/XX/2020. I placed a call to PHH on XX/XX/2020. I introduced and verified my identity and told the representative that I am calling about the letter I received on XX/XX/2020. Then I introduced my daughter, XXXX XXXX, and asked if she can speak on my behalf. The representative spoke with my daughter and I about my concerns. While speaking with the representative, my daughter asked that she would like to know what can be done if we did not have the lump sum amount that will be due on XX/XX/2020. She also asked if I would be qualified for a modification or refinance. The representative told us that it was too early to determine any course of action. Then my daughter asked, when it would be an appropriate time to reach out back to the bank. The representative told us we should reach out to them in XXXX or XX/XX/2020. My daughter wrote the months down so we can remember to reach out to the bank. 

A second letter was received on XX/XX/2020, dated XX/XX/2020, and I reached out to them on XX/XX/2020. The representative stated that PHH is a XXXX Company and that PHH will not be doing a modification. They suggested that we should speak to the refinance department, which they tried to transfer me over but they were having trouble with the connection. Every time they transferred us over, the phone would hang up. However, I called back PHH to let them know that the call did not go through and they transferred me again but the call still could not go through. The representative had given me the number for the refinance department XXXX XXXX XXXX XXXX which I also tried calling but could not get through to them. 

On XX/XX/2020 the same day, after trying to get the issues resolved with PHH with no clear direction, I reached out to XXXX XXXX for help in resolving the issues and they have been in contact with PHH on my behalf since then. 

On XX/XX/2020 XXXX sent a complete package to PHH for them to consider a modification on the loan so that it will give me time to pay the amount that is due. However, they did not even review the information that was sent, they automatically rejected the document because they stated that I did not reach out to them until after six months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a FTC Identity Theft Report. The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report are fraudulent and unauthorized credit inquiries XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Please don't ignore my request to correct the following items immediately. 
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
Product: Credit reporting or other personal consumer reports

Requested that Experian update my consumer report to show ONLY 1 NAME, DOB, AND ADDRESS THAT SHOULD BE ON MY CONSUMER REPORT. should show as presented below. They currently housing more than 3 variations of my name and address and they are all inaccurate.
Product: Checking or savings account

Around XX/XX/2023, I opened an Apple Savings account with Goldman Sachs. Over the following weeks, I transferred all my savings to that account. 

On XX/XX/2023 I successfully made a withdrawal. However, when I attempted to withdraw more money on XX/XX/2023, that and all subsequent attempts to withdraw my money were declined. I immediately contacted support on chat for assistance, but the agent was not able to help beyond saying she had made notes of the problem. 

On XX/XX/2023, I noticed a message had appeared on my account that said " Savings Account Restricted. Your savings account has been restricted. Contact Support for more information. '' I immediately contacted support and was told there was a problem with the telephone number on my account. I recently moved and changed numbers, but Goldman Sachs were unable to update my number and offered no facility for me to correct it. The agent said I would be contacted in a few days when the back-office team had investigated it. 

I waited a few days and called again on XX/XX/2023, and was told there was no update and there was nothing I could do except call again later to ask for an update. 

I called again on XX/XX/2023 and even though I explained I have bills due and no way to pay them without access to my savings, I was still told there was nothing I could do except wait and that I would be contacted in a few days. 

I explained that I felt like my money was being held hostage and asked what legal recourse I had available. The agent couldn't offer any information and when I asked for a name and address to file a report, the agent was similarly not able to provide that information. 

I have not had access to my savings for nearly two weeks now and repeated calls to Goldman Sachs have not provided any means for me to regain access to my money.
Product: Credit reporting or other personal consumer reports

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, XXXX, and TransUnion data breaches, which makes me even more worried about how my personal information is being handled.
Product: Credit reporting

Equifax has not only refused to put a XXXX year fraud alert on my account after I suffered identity theft, they have also refused to remove inquiries which were not made by me. The other XXXX credit reporting bureaus notified Equifax of the ID theft and the XXXX year fraud alert, which Equifax has ignored. Also I have letters from the banks that made inquiries saying that all XXXX banks would send inquiry removals to Equifax. Equifax has also ignored these letters from the banks. When I called Equifax to tell them about all of this, they said they never received a XXXX year fraud alert nor any of the inquiry removals which seems implausible.
Product: Checking or savings account

I uploaded a cell phone number to my reliacard account. I did not request sms messaging between myself and the bank. I started receiving text messages marked as spam warning me about the messages including one directing me on how to clear the account. When XX/XX/2020 I tried to use the account I was locked out. The person 's there alleged I reported fraud. The story then changed, they alleged the account had been red flagged by activity and I needed to submit my id and social security number. This, according to their emails is the fraud. {$3300.00} has been frozen. The card services personnel had no information as to how to deal with internal fraud reported by the consumer. I have noticed over XXXX other recipients have reported this matter on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Amount- {$6300.00} I do not know this company my Identity has been stolen and compromised. I have filed an Identity theft report with the creditor. I did not authorize my signature on any documents for this debt noted.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous complaint regarding the persisting negative accounts on my credit report. While I appreciate the deletion you have made, I am concerned about the recurring nature of these disputes and the lack of a satisfactory resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account ... XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am really trying to get someone to help me. I have been trying to help my brother with college and I reached out to you e.11 before about things on my credit that is not mine. Can you please remove from my credit so my baby brother can start back school. XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, US DEPT ED, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. There are several inquiries as well that are not mine 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 XXXX XXXX XXXX. I have contacted the FTC and local police.
Product: Mortgage

I was serving XXXX  in XXXX for a year. We moved out of the house and rented it out in XXXX the movers had to move out and due to me not receiving BAH I was unable to pay it and I let them know in may. I called and ask could they put a hold on it due to me being XXXX XXXX and being XXXX  I was told by one of their customer service representatives that I would be fine because Im XXXX XXXX. Mind you Im in XXXX and all my mail is forwarded to my parents house in GA. I find out from my mother that the house was set for foreclosure in XXXX Im 19 hours ahead and it was hard to make contact p. I told them several times that I was XXXX XXXX and only one member deceived to help me. Other members hung up the phone lied and said it would be stopped I wasnt told I had to send my orders until XXXX. This company violated many rights under the XXXX. They recently changed the locks against my will. I am over fighting for the country I shouldnt have to be fighting for my property under these circumstances.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX ( XXXX ) XXXX Dear XXXX, I XXXX XXXX have written this letter to dispute a claim that is falsely listed on my credit report with your burial. the amount owed are no longer outstanding for the following items party owed XXXX XXXX  amount {$1200.00} XXXX XXXX amount {$320.00} XXXX XXXX  amount {$350.00} I am disputing this claim i have no knowledge of this and I'm requesting that it be removed immediately. this is my official request
Product: Credit reporting or other personal consumer reports

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Product: Student loan

I called Aidvantage on XX/XX/22 to request a refund of payments made during the COVID pandemic forbearance period and have used the online chat function a few times to check up on the request. Currently we are over 5 weeks wait and today I was told that " We show that your refund amounts from XXXX are still being researched and totaled. No refund amount has been totaled. '' This means that the company has not yet put forth any effort to being the refund process from the US treasury after more than 5 weeks of waiting.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items being reported on my credit report that are inaccurate and I have contacted these companies over 60 days ago for a solution and I havent gotten a response yet! i have attatched the letters for confirmation
Product: Credit reporting, credit repair services, or other personal consumer reports

As a tax payer and a equity owner in CITI, I'm appalled at their boycott of the firearms industry!! Their greed along with other banking institutions resulted in a trillion dollar plus bailout. They should not have the right to deny a legitimate industry the access to monies based on political bias.
Product: Credit reporting or other personal consumer reports

I was checking my consumer report and I saw a bunch of credits inquiries I didnt realize. 




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 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
Product: Debt collection

On XX/XX/2023, I received a notification that a new collections from Southwest Recovery Services was reported on my credit report. The collections is for a utility bill with XXXX XXXX XXXX for {$1100.00}. My credit report shows that the account was opened on XX/XX/2023 and it is associated with an address I never had before. This collections has caused my credit score to drop and th9i9s must be deleted from my credit report as soon as possible. I have disputed this with XXXX directly. I have filed a police report with my local police department, as well as with the FTC. A fraud alert was placed on my credit report in XX/XX/2023 due to another cause of identity fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account XXXX XXXX auto loan I paid in full that was never late not been reported accurately. The consumer reporting agencies need to report all information with complete accuracy. The dates indicated on my credit report differ from one credit bureau to another. I contacted the original creditor and was never late due to a payment accommodation during covid 19. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your time and prompt action. 

The CARES Act, signed into law in XX/XX/year>, amended the FCRA to require that, between XXXX XXXX, 2020, and the later of XX/XX/year>, or 120 days after the date on which the national emergency concerning XXXX ends, if a furnisher makes a payment accommodation, the furnisher must either report the obligation as current or, if the obligation or account was delinquent before the accommodation, freeze the delinquent status during the period in which the accommodation is in effect.
Product: Money transfer, virtual currency, or money service

I filing a complaint against Cash App ( block , Inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) [ CFPB Address or Online Submission Portal ] Subject : Second Complaint Regarding Inaccurate Reporting of Disputed Accounts Dear CFPB, This is my second formal complaint regarding the failure of XXXX, Equifax, and XXXX to remove two disputed accounts from my credit reports. Despite four previous dispute letters and the submission of evidence, these inaccuracies remain unresolved. Both XXXX XXXX and XXXX XXXX continue to be reported inaccurately, violating my rights under the Fair Credit Reporting Act ( FCRA ).

Below are the details of the disputed accounts : XXXX XXXX ( Account ending in XXXX ) : Issue : Reported balance of {$8500.00} from an account fraudulently opened in XXXX without my authorization.No signed application or supporting documentation has been provided to verify this account 's legitimacy. The absence of Form 1099-C further invalidates this account as charged-off. 
XXXX XXXX ( Account ending in XXXX ) : Issue : Reported as " charged-off '' following improper legal action initiated in an incorrect jurisdiction. Ally Financial violated the Fair Debt Collection Practices Act ( FDCPA ), and their settlement offers further confirm procedural mishandling.

The absence of Form 1099-C also invalidates this account as charged-off. 
Recent findings by the CFPB highlight significant concerns regarding XXXX and Equifax 's failure to conduct proper investigations. According to a CFPB lawsuit, these companies have engaged in sham investigations, violating consumer protection laws by failing to meet their obligations under the FCRA.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. The continued presence of these disputed accounts on my credit reports constitutes a violation of these federal statutes.

Requested Resolution : Investigate and hold XXXX, Equifax, and XXXX accountable for failing to comply with FCRA requirements. Enforce the removal of the disputed XXXX XXXX and XXXX XXXX accounts from all three credit bureaus. 
Provide a formal response outlining the steps taken to address these violations.

I am attaching the fourth dispute letter sent to the credit bureaus, which details my efforts to resolve these inaccuracies. I respectfully request your assistance in ensuring compliance with federal law and protecting my consumer rights.

Thank you for your attention to this matter. Please contact me at XXXX or XXXX should you require further information or documentation. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

Our loan is serviced by Ocwen. We inquired about a payoff amount in XXXX. When we received the payoff amount in addition to the principal amount due it included over {$16000.00} in an interest arrearage. This {$16000.00} was kind of hidden. We did do a forbearance on our loan back in XX/XX/XXXX which did alter/increase our payments for a period of time ( about a year ). The loan was transferred or sold sometime after that. We have asked Ocwen on many occasions since XX/XX/XXXX to provide documentation of an agreement to pay this additional interest they are adding on our payoff. They keep putting us off saying that they are opening a research request and then the issue went to an Escalation Manager who is also continuing to " research '' the issue. As of now they still have not provided any documentation saying that we would be charged this additional interest. We have been sent a Balloon payment notice saying that our entire loan is due and payable in XXXX, XXXX. They are trying to force us to pay this additional interest that we have not ever agreed to pay and do not feel that we owe them.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is a collection account listed as XXXX XXXX on my credit report. This account does not belong to me, I have no knowledge of this account. This account needs to be removed from my credit report ASAP as it is hindering me from receiving accurate reporting, violating my consumer rights. FCRA Section 605B also requires by law to obtain consent before including information on my credit report. This is a violation of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).