23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH Home Mortgage is servicing my mortgage. In XX/XX/XXXX, they sent me a year end mortgage interest statement Form XXXX for Year XX/XX/XXXX. Since I had not reason to believe that the statement could be erroneous, I passed the statement onto my Accountant who filed my Taxes for the year XX/XX/XXXX. Later I received an amended Form XXXX and the changes were on the statement and due to which i have to re-file my taxes. My accountant again charged me for the filing of the amended taxes and thus i incurred another cost due to the negligence of PHH Mortgage. I did reached out to PHH Mortgage through phone and e-mail and i was assured that they will re-reimburse me for the cost re-filing. However the next time I called them to inquire about my re-reimbursement for the additional cost I was being tossed from one department to another to no avail. Since the issue started from an erroneous statement and give my experience with the Mortgage accounting this could be pre-cursor to company wide mismanagement and ultimately fraud. I would like you to take a look into this matter and investigate as it may only be me who is affected by this erroneous statement there must be many other customer of PHH mortgage who must affected by the same issue. Please take a look into how they have address this issue with other customer and how they have ratify this issue. Again my suspicions are towards a company wide fraud. PHH Morgage is located at PHH XXXXXXXX XXXX XXXX XXXX, NJ XXXXPhone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX changed online systems which made it difficult to log in and submit payment. My card number was not known because I lost the card during a move from the Pandemic, and calling the lender was impossible since their phones were always busy. Making payments became impossible since I was missing either the card number or their online account management changed, and they wouldnt answer my phone calls throughout XXXX and XXXX. 

Even though I have plenty of resources to pay, I watched the account become delinquent because they made it impossible for me to give them information in order to pay. There were no resources when I tried to reach out. 

Consequently, the account is negative on my credit report. Determined, I spent a whole day calling the Lender dozens of times and finally got through in order to get an agent to take care of this. They removed the charges and I paid the bill ( {$30.00} or something small ) which brought the account current. They admitted fault and gladly brought the account up to speed and removed all late charges or associated problems. 

Since they let me know this wasnt my fault, I disputed this mark on my XXXX report which they removed it. XXXX and Transunion have not removed it. 

Transunion after filing a report said that they agreed with me, but the credit report looks the same, so Im confused. XXXX wont allow me to submit a report and asks me to call customer service. It seems like they are all trying to make it difficult on purpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The inaccurate Accounts Include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Please DELETE these unknown items from my file XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX creditor XXXX XXXXXXXX XXXX XXXX Balance {$3200.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} XXXXXXXX XXXX XXXX  XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$3700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX  XXXX Balance {$3700.00} XXXX XXXX  XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}
Product: Debt collection

MIDLAND FUNDING XXXX as of XX/XX/2019 reporting for identity fraud, was reported and corrected for XXXX XXXX and XXXX  but not XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/2023 to experian, XXXX, & XXXX. However it has been more than 30 days and the credit bureaus failed to send my investigation back. This is not making sense. 

According to the law 15 U.S. Code 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information conatined in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : My name is XXXX XXXX XXXX. I currently reside at : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. My Birthdate is : XX/XX/1979. My Social is : XXXX. 
I have been recently made aware that my credit profile has been marked as me being deceased. 
This is 100 % inaccurate. 

XXXX, XXXX and Transunion have ruined my credit rating and standing by removing my score and listing me as non-scoreable. 
Due to this grave error by your systems, you have caused me irreparable damage to many of the active trade lines that I currently hold. I have well over XXXX XXXX dollars in active credit that you have caused the credit issuers to decrease or close my accounts. 
I have included a copy of my current XXXX XXXX XXXX cellular billing statement and a copy of my Driver License that shows I am an active customer, paying bills and very much still alive. 
This is a demand to remove the deceased marker off of my credit report at once and restore my XXXX credit score. 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of outdated and inaccurate student loan information from my credit report. Upon review of my credit report, I noticed that some of the accounts related to my student loans, which were forgiven in XX/XX/year>, remain listed. Additionally, there are student loan accounts that were closed over seven years ago and should no longer appear on my report as per the Fair Credit Reporting Act ( FCRA ).

The details of my request are as follows : Forgiven Student Loans : My student loans were officially forgiven in XX/XX/year> under [ specific program or initiative ]. Since these accounts are no longer active and have been deemed forgiven, I kindly request their removal from my credit report to ensure accuracy and compliance.

In addition to Closed Student Loan Accounts, I'd like to also request any bank loan accounts Over Seven Years Old in collections to be removed : There are accounts listed on my credit report that should be closed as they were opened over seven years ago. Per FCRA regulations, such accounts should be removed as they are beyond the statutory reporting time frame.

Please consider this letter as my official dispute regarding these accounts. To assist in your review.
Product: Credit card or prepaid card

On XXXX XXXX, I looked at my credit report because it said that I had a new hard inquiry. I did not do an application for a Capital One Credit Card. I let them know that. On XX/XX/2002, Capital One called me and then they informed me that they are going to mark it as fradulent. They asked me what state I lived in and I told them XXXX. They said oh. I asked, I'm guessing that that is not what is on there? They said they couldn't tell me. But he slipped and said no. I asked if it was XXXX, he just made a noise. I am suppose to ask the police department if they can get a copy of the application, because I am not allowed to.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Product: Debt collection

Midwest recovery did not send me a letter regarding this with XXXX. This is over 4 years old and they can't try to collect or put it on my credit file and here they did without giving me a chance to dispute it. I don't think its right for them to treat people like this
Product: Checking or savings account

I had an authorized charge on my XXXX account. I contacted XXXX and told them about the fraud. They told me to contact my financial institution, Bank of America. I opened up a claim with Bank of America for two fraudulent charges for {$39.00} and {$21.00}. Bank of America refunded me one transaction and did not refund me the {$21.00} because they did not find any fraud. I tried to reopen my claim and they said I was out of the two week time frame to reopen the claim. I requested to reopen the claim and they have not let me. I called XXXX again and they said they found my order through the order number. They saw another customer purchased the item and that is why it does not appear in my XXXX orders yet they charged my bank account. XXXX said they would contact someone else who would call me within 24 hours. They never did. After a week, I sent several reports to XXXX security who kept immediately sending me emails within a minute of their investigation saying they found no unauthorized charges on my account. 
XXXX and Bank of America have failed to do their job and I had to pay for the unauthorized activity.
Product: Mortgage

I was given a payoff amount with a date for the loan which was paid off on the date. 
However later they told me I owe more money, additional XXXX $
Product: Credit card

At the end of XX/XX/XXXX I contacted Citicard about an offer to spend {$1000.00} in XXXX months and receive a {$150.00} XXXX gift card. I needed to purchase a laptop. I remember speaking with a gentleman at that time who confirmed the above information which I had found online. He sent me a card in the mail - last XXXX numbers XXXX. I made my XXXX purchase on XX/XX/XXXX A few weeks later I contacted the company about a new card because I could n't find mine. They cancelled the above card and sent me a new XXXX - last XXXX numbers XXXX. Today, XX/XX/XXXX, I contacted the company about receiving my {$150.00} XXXX gift card. I have made around {$1200.00} in purchases to date. The woman I spoke with told me that I had not made my purchases within the allotted amount of time. Of course I disagreed with her stating that I should have till at least the middle of XXXX. She then told me that I had opened this card at the end of XX/XX/XXXX After speaking with a number of reps. including XXXX managers, I 'm being told that I opened a card at the end of XXXX ( XXXX I do n't remember opening ) and that the guy I spoke with at the end of XXXX cancelled out that old card and pre-dated the XXXX card to that date which only left me a few weeks to charge the {$1000.00} in order to get the {$150.00} XXXX gift card. He never mentioned any of this to me in fact he lied to me when he told me I had XXXX months. Even if I had opened a card, which I really question the legitimacy of that claim, he should have said something. My recent conversations with customer service confirmed to me that this old card had never been activated and no charges had been put on it. Regardless of how I 've tried to explain the issue I received no help. They continue to refuse to honor the offer and reward me with the {$150.00} gift card.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a security freeze with all the major credit agencies for myself and my spouse XXXX XXXX, XXXX, and Equifax. The complaint is only with Equifax. On XXXX XXXX We temporarily lifted the freeze on these accounts. We were unable to access our online accounts with Equifax, we called and spoke to a representative at Equifax to complete the order. We then spoke to several representatives about this access for our accounts. These conversations lasted over three hours on XX/XX/XXXX. We are unable to check our credit report or credit score or lock or unlock our accounts. We were assigned case numbers for this problem. Equifax stated that they would close the old accounts and reset for new ones as they were unable to recover the accounts. I was told to wait three to five days and check back. We called again on XXXX XXXX which lasted another two hours the cases were escalated. We were told a second time to wait 24 to 48 hours. Still the same problem. We need our myequifax accounts accessible!!
Product: Credit reporting or other personal consumer reports

I am formally lodging a complaint regarding inaccuracies in the reporting of an account associated with XXXX XXXX XXXX XXXX on my credit reports, managed by your organization, XXXX XXXX XXXX. These errors have negatively impacted my credit standing and require immediate attention for resolution. Upon reviewing my credit reports, I've noted discrepancies in the reporting of the XXXX XXXX XXXX XXXX account. These inaccuracies have adversely affected my creditworthiness, necessitating prompt corrective action. Therefore, I request a thorough investigation into the account. Additionally, I kindly ask for written documentation validating the reported account, including signed contracts or agreements related to services provided by XXXX XXXX XXXX XXXX, valid photo identification linked to the account holder, detailed service date records outlining the nature of services provided, and comprehensive documentation of payment dates and amounts made toward the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending my CFPB complaint to inform you that the XXXX credit bureaus condoning illegal behavior. The fact that I am still disputing the items until now. I strongly believe that these items doesnt belongs to me. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest scores. Be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. The following items are inaccurate the are needs to delete in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Owed : {$4400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance XXXX : XXXX ; XXXX XXXX XXXX Balance Owed XXXX {$4400.00}.
Product: Credit reporting

EXPERIAN DOES NOT SEEM TO PARTICIPATE WITH XXXX I HAVE ATTEMPTED TO REQUEST MY CREDIT REPORT FROM ALL XXXX BURAUS. EXPERIAN IS THE ONLY ONE THAT GAVE ME " UNABLE TO GRANT YOUR REQUEST '' MESSAGE. SAME THING HAPPENED WITH MY WIFE AND MY SON. 
WE WERE NEVER ABLE TO PULL OUR EXPERIAN REPORT FROM XXXX ALSO, THEY HAVE BLOCKED THEIR PHONE LINES WITH NO AVAIL TO REACH A LIVE PERSON AND HAVE BLOCKED ON LINE ACCESS TO MY OWN FILE THROUGTH XXXX OR XXXX THIS HAPPENED BEFORE AND SEEMS TO BE THE STALL TACTICS USED BY EXPERIAN. UNFAIR TO ALL CONSUMERS AND NOT A RIGHT WAY TO CONDUCT BUSINESS ON THE NATIONAL LEVEL!!!
Product: Debt collection

I use to have XXXX, I cancelled them because I sold my house and moved to where they do n't offer service. I returned all my equipment to XXXX store and was told to wait for my final bill to reflect the equipment being returned. I never received any final bill, I even had mail forwarding on. A month later I received a letter from a collections agency named Kenneth, Eisen & Associates, Ltd. I contacted them and told them that I had not received my final bill and the guy said it was sent over to them. I asked him if it would go on my credit and he stated since I paid it immediately in full that it will not go on my credit. Here its years later and its affecting my buying my house.
Product: Debt collection

I am writing to formally dispute the validity of a debt that has been reported on my credit file and/or is being pursued for collection. I do not acknowledge any legal obligation to pay this alleged debt, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please consider this a formal request for both ( 1 ) reinvestigation of the disputed item by the credit bureau, and ( 2 ) full validation of the alleged debt by the debt collector or furnisher.

Disputed Account Information : I do not believe I am legally obligated to this alleged debt and am requesting evidence of its validity.

Required Documentation : To validate this alleged debt, please provide the following : 1. Proof of an Insurance Claim Was an insurance claim ( e.g., credit insurance, bond, or other indemnity ) filed or paid on this account? If so, provide details of the claim and payment, as this may indicate the debt was satisfied.

2. Chain of Title A complete and unbroken chain of assignment or title showing legal transfer from the original creditor to your company, granting you the authority to collect this debt.

3. Original Contract A signed and dated copy of the original agreement or contract bearing my signature, establishing the terms of the debt with the original creditor.

4. Purchase Agreement or Sale Contract A copy of the purchase agreement between your company and the original creditor or subsequent owners showing the transfer of rights to the alleged debt.

Until you provide these documents, you are required to cease all collection activity, including reporting this item to any credit bureau.

To the Credit Bureau : Under the FCRA, you are obligated to reinvestigate the accuracy and completeness of this account. If you can not verify the item with proper documentation, you must delete it from my credit file within 30 days and provide me with written confirmation and a corrected credit report.

Please respond within the timelines required by law. If you fail to provide full validation and/or correct any unverifiable information, I will consider taking further legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX openXXXX-18 Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, please remove XXXX  XXXX ( Original Creditor : XXXX  ) XXXX, and XXXX XXXX XXXX Original Creditor : XXXX ) XXXX