23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My grievance is with PHH Mortgage ; they are responsible for servicing my mortgage. As such, they are supposed to provide me with monthly statements, year-end tax documents, escrow analysis statements and other information related to my mortgage. Unfortunately, their website, https : //www.mortgagequestions.com/ is not configured properly and can not be accessed from overseas. I am on a temporary work assignment and providing essential services overseas, but I still need to access information about my mortgage in the USA. 

Unfortunately this issue has been unresolved for over 6 months. I have called them several times to try to get this issue resolved, but their IT team has not been able to make their website accessible. They also will not mail documents overseas. Currently PHH Mortgage is completely unable to provide me with mortgage statements via any delivery method.
Product: Credit reporting or other personal consumer reports

I am sending to follow up on my previous complaint regarding errors in my credit reports. I have observed that no deletions have occurred as requested. I am planning to update my credit reports once more within the next 15 days. I am earnestly requesting that the Credit Bureaus promptly remove the following items from my credit reports, as mandated by the FCRA section 605b, which requires Credit Reporting Agencies to remove any items listed on an identity theft report. Items requiring removal within 15 days are as follows : XXXX : XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} EQUIFAX : XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADXXXX  COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed XXXX ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. 
XXXX XXXX : INQUIRIES : XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2022, XXXX XXXX XXXX Inquiry Date XX/XX/2022 .
Product: Debt collection

I received a call from an unknown number ( XXXX ) XXXX on XX/XX/2020 at XXXX XXXX  and immediately stated that I was not interested in any solicitations, ask them to remove my number from their list, and that my number was on the " Do Not Call Registry ''. The guy ( XXXX accent ) started talking and I ask him if this was a solicitation. He stated he was from American Express. I told the gentleman that they had the wrong guy that I didn't have an American Express card. He insisted that I did and was getting pushy. I used expletives to say again that he had the wrong guy and again that I didn't have an American Express card. He told me not to talk to him like that ( expletives ). I told him that if I just told him that he had the wrong guy and if he didn't want me talking to him like that, " he called me and he could hang up. '' I then hung up the phone. I then received a call on XX/XX/2020 from ( XXXX ) XXXX, which I waited about an hour, after they left no message and got a greeting from American Express XXXX XXXX, and hung up since I did have an American Express card. Again, on XX/XX/2020 at XXXX XXXX, I received another call from ( XXXX ) XXXX, which I ignored. There should be a way for the company to admit that they likely have access to carrier lists, which I don't think they should be able to sell your information. They find somebody with a similar name ( they never worry about middle initials or names ), and they call that number and harass the wrong person. Additionally, the " Do Not Call Registry '' is about worthless since they don't enforce the law that states they can't enforce it, and therefore is useless in itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account on my Equifax and XXXX  credit report. This is an incorrect account that is not mine. I have never used this account nor had an account with this company. I have tried to dispute it and received no results with both of these agencies. XXXX took my dispute and it was deleted from my credit report. This is incorrect and should not be on any of my credit reports. 

Amount {$420.00} Opened in XXXX2012 Last Balance Date XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Capital One is reporting a charge off on my credit that is not accurate and can not be verified as belonging to me.
Product: Credit reporting or other personal consumer reports

See Attached credit report. According to the Collections Rep. this account never had a payment on it so they applied my Security Deposit of XXXX to pay off a lot of the past due amount leaving me owing XXXX which was then charged off. My credit report reflects otherwise. Please correct this erroneous information and remove this invalid account from my Credit Report! I was never sent an invoice for this account either.
Product: Debt collection

At XXXX CST, XX/XX/2020 I received a phone call from XXXX. A woman asked my name, then began telling me I was recorded and wanted me to give her my card numbers to charge me for a sum of roughly XXXX dollars for medical debt at XXXX XXXX XXXX XXXX, and this was medicredit incorporated She did not verify my identity, or take steps to protect my privacy before revealing details.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report XXXX score is super low ( XXXX ) and one card canceled me because of my low score even though I have ( NO MISSED PAYMENTS ). Turns out there are two problems with my Credit Reports. One I show owning XXXX on car loans when it should be closer to XXXX. Turns out both the payoff and the new car loan show up making it XXXX instead of XXXX. I have contacted XXXX XXXX and they lowered there amount owed and XXXX is looking into it. Next my XXXX XXXX XXXX  XXXX XXXX went from and XXXX to XXXX yet on the credit report shows a maxed out card XXXX on Visa and XXXX on XXXX. I only owe XXXX and the card went from XXXX to XXXX and transferred the balance to the XXXX. IT IS NOT 2 SEPERATE CARDS! All of this is hearting my credit score and needs to be fixed immediately.
Product: Credit reporting or other personal consumer reports

Hello, I hope youre doing well. I have an existing Credit Karma Spend and Savings account. Credit Karma always tries to push the Credit Karma Credit Builder on their customers. I received an email from Credit Karma Credit Builder that, I had a line of credit of {$1000.00} to use. They would take {$10.00} up to {$80.00} to pay towards any of the {$1000.00} credit I used. I didnt like how the Credit Karma BuildeXXXX account was set up or how it worked. I called their customer service department several times to understand how I thought the program worked.. I needed this to make since as to how having this account would be beneficial to me. I could never get a concrete explanation that made me feel comfortable as a consumer. So, I verbally cancelled this Credit Karma Builder account on XX/XX/XXXX. I then followed up with an email to the Credit Karma Credit Builder customer Service Department. I just noticed on my XXXX, XXXX and XXXX credit reports that Credit Karma reported my account as a charge off. This is a false statement. I closed the account. They didnt close my account. After closing the account, I was just reimbursed the {$10.00} on XX/XX/XXXX that was set to be sent back to me 7 days after closing the account. The fee from this account took longer to be reimbursed back to me. Please delete the false account indicating I defaulted. This isnt true. I have the proof to support my concerns. I wasnt in default. They didnt close this account. I did. I have sent you the proof.
Product: Credit card

To Whom It Concerns : Im writing this message because I was the victim of fraud and identity thief. I recently banked with WellsFargo since they bought XXXX. I had multiple checking and saving account with WellsFargo along with a Credit Card. 

I had thousands of dollars in my account which WellsFargo choose to charge me service fees and other fees which they did not have prior authorization. My account XXXX  out and they began to charge my credit card when they did not have prior authorization receive written nor verbal authorization from me to do so. 

I called in many times before to have WellsFargo stop their fraudulent activity but they never did. I got a letter in the mail stating I own them {$710.00} of the which {$300.00} is due and the past due amount is {$240.00} I called them again and I spoke to an agent by the name of XXXX XXXX who listened and then had conference his supervisor by the name of XXXX XXXX. He then had to further transfer me to another department, the executive team. When the agent came on the phone she did not want to properly identify herself, she gave me the name of XXXX I and did not want to give me her full last name which she stated it was against company policy, she ended up giving me her employee ID but when she repeated it the number was inconsistent, but then the other two gentlemen gave me their last names without an issue. I asked XXXX to get someone else on the line since I was not comfortable speaking to someone I who does not identify themselves correctly. XXXX then calls back the executive team. He was able to bring over XXXX but she said that it was against policy to give out her last name and employee ID. 
There were too many inconsistencies when trying to resolved this issue with WellsFargo. 

This has adversely affected me in ways beyond conceivable. 

I'm not able to apply to for a house in the good areas that I need to. 

I am unable to buy the necessary car that I need. 

This has stressed me out thinking of what the other companies would do. 

As of today XX/XX/XXXX  WellsFargo has effected my credit and have taken all the funds in my bank account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 proce 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 validation
Product: Student loan

Please be aware that I have submitted a similar complaint twice, but both times Citibank has found ways to avoid responding. As I was unable to reach a resolution, I am supplying more information in this complaint. 

Prior to XXXX I knowingly and voluntarily co-signed on XXXX of my sister 's private student loans taken through CitiBank for her master 's program. Subsequently, beginning in XXXX XXXX and continuing through XXXX without my consent or authorization XXXX XXXX XXXX XXXX more private student loans were issued to my sister using my electronic endorsement. XXXX XXXX purchased the loans at some point after the loans were issued. In XXXX XXXX, I sent dispute letters to XXXX requesting verification of the debt. In XXXX XXXX XXXX responded and insists that because my social security number, date of birth and address were provided on the request to open the XXXX additional accounts, they are valid and I am financially responsible. I sent a second series of letters to XXXX in XXXX XXXX challenging the validity of the endorsement and requesting information to demonstrate that the applications for each of the disputed loans were in fact endorsed by me. I also requested a copy of the assignment or purchase agreement between XXXX and CitiBank for each of the accounts. To date no response to the second set of dispute letters has been received. In XXXX XXXX I did receive a letter from XXXX informing me that the loans were delinquent. 
I have sent XXXX sets of disputes to the XXXX major credit bureaus for each of the XXXX loans based on the fact that I did not sign or authorize my signature to be used on these loans. Each of the agencies has responded and claim that their investigation shows that I am responsible for each of the loans and they will continue to report the delinquency for each loan. 
When all is said and done, while I did agree to co-sign on XXXX loans for my sister prior to XXXX, I did not authorize my endorsement for the private student loans taken in XXXX and XXXX. Also please let it be known that there is NO pending litigation on this dispute.
Product: Credit reporting or other personal consumer reports

I requested the original contract with my signature showing the accounts belong to XXXX XXXX. I requested this information XX/XX/year>.
Product: Checking or savings account

Some of my checks were stolen from my mail box, One check was washed and rewritten with different signature and different type of writing and first national bank doesnt want to be responsible for this problem although the checks were cashed at XXXX  XXXX XXXX in New Jerseys but they dont want to be responsible I being trying to collect my {$2300.00} dollars but again they dont want to pay back my money!! 
Thank you for your help. 
XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I have an existing statement on my credit report informing no one to open an account without verifying with me and they have to call the number thats listed because I was a victim of identity theft! A collection was reported from LVNV funding LLC. Its utility bill from XXXX Texas. I provided my driver license, bank statements even employer address and requested information from the dispute. Nothing was provided!
Product: Bank account or service

My personal account is with Sun Trust bank. The paoblem is with a practice that banks use known as reordering transactions. On XXXX XXXX XXXX I had numerous transactions that I made for the XXXX season. On Monday XXXX XXXX XXXX I had a balance of {$45.00}. I went to XXXX and spent about {$10.00} on my debit card, The next morning XXXX XXXX XXXX i look at my phone and see that I am now negative over {$400.00}. I expected to see XXXX overdraft fee because my wifes check that was direct depositied from her employer was incorrect, they did not pay her the full amount due by XXXX of dollars. That being said if the bank had made the debits the way the transactions were made then that would have been acceptable. Instead they switched everything around they paid a large transaction they claim on the XXXX and put the smaller ones that I had made on XXXX/XXXX/XXXX after they cleared the larger XXXX from the XXXX this change caused me to have XXXX overdrafts or {$240.00} in fees. I went to my local branch and spoke to the Branch manager, XXXX XXXX he said that he did not have the authority to drop the charges and that he woudl have to send the information to another department. As of this date XXXX/XXXX/XXXX at XXXX nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

my certified mail has yet to get signed for ( see attachment ) I used the address on the XXXX XXXX report and it's not a good address per the history on the usps
Product: Checking or savings account

I deposit my payroll check via KeyBank mobile app on Thursday, XX/XX/XXXX. On Friday, XX/XX/2018, I learned that my payroll deposit was placed on a 7 day hold. Now, KeyBank is charging me over draft fee ( s ) when in fact they have my mobile deposit.

I have tried to resolve this issue with KeyBank Customer service, Bank branch teller & manager, Mobile department, and their Executive office. No one seems to be able to tell me why the hold was placed on my deposit or remove the hold. I was told that I will be contacted in 1 to 2 business days and I have not been. This is very concerning to me as there is a staffing issue to resolve my issue.
Product: Credit card or prepaid card

I applied for a credit card with chase bank. They approved the credit card and than randomly closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

I have two accounts one for XXXX and one for XXXX from PROTFOLIO RECOVERY they called me telling me that they are going to my job with papers to take me to court many many many times
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests last XX/XX/XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please update the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX  Please remove the following accounts completely from my Credit Report. 
XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {XXXX} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {XXXX}