23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2022, XXXX was sent to PHH Mortgage Services and was received on XX/XX/2022. No letter confirming receipt of XXXX was sent to Homeowner and no extension of the investigation was received or sent to Homeowner within 30 days. 

A XXXX XXXX  letter is currently in transit to PHH Mortgage Services. 

Additionally, several calls have been made to PHH Mortgage Services to try and resolve this matter and many have gone unresolved, and several call-backs promised have also not been completed by PHH mortgage XXXX 

Payment Errors : An insurance claim was filed with our insurance company back on XX/XX/2022. A check was issued for damages in the amount of {$11000.00}. This check was made payable to the homeowner and PHH Mortgage Services. As common practice, the check was endorsed and sent to PHH Mortgage Service for an additional endorsement. 

PHH Mortgage Services received and negotiated that payment on behalf of the homeowner. PHH Mortgage Services, in return, split the payment into two separate checks and mailed the payment to Homeowner. Check # XXXX issued on XX/XX/2022 for the amount of {$7700.00} and Check # XXXX issued on XX/XX/2022 for the amount of {$3700.00}. 
Check # XXXX was received and negotiated on behalf of Homeowner in the amount of {$3700.00} Check # XXXX was never received by Homeowner. PHH Mortgage services has since informed us that it has been negotiated on her behalf. This has been disputed several times, repeatedly by Homeowner. PHH Mortgage Services has refused any sort of resolution. 

Homeowner has given statements to PHH Mortgage to try and respolve this issue. PHH Mortgage representatives have urged Homeowner to file a dispute with PHH Mortgage 's Bank. The homeowner does not live in an area with access to the mortgage servicers bank, and furthermore, this seems to be an unconventional way to dispute a fraudulent action.
Product: Credit reporting or other personal consumer reports

there are unauthorized accounts on my credit report. I did not open these accounts ' XXXX XXXX XXXX ( XXXX ) ( XX/XX/XXXX ) XXXX ( {$22000.00} ) ( XX/XX/XXXX ) DeptedXXXX ( {$16000.00} ) ( XX/XX/XXXX ) DeptedXXXX ( {$7600.00} ) ( XX/XX/XXXX ) DeptedXXXX ( {$3400.00} ) ( XX/XX/XXXX )
Product: Mortgage

I am writing today in regards to my account with Loan Depot account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to XXXX I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting

I submitted a complaint to Experian, XXXX and XXXX and they verified the following accounts : XXXX XXXX credit cards, XXXX XXXX credit cards, and XXXX XXXX credit card. I sent them a request for the verification of the documentation they have on file for these creditors per section 611 ( 5 ) ( a ) of the FCRA. But they continue to report the information would providing me with the proof of " signed documentation '' from their systems. I sent the letter certified letter return receipt on XX/XX/XXXX and I also faxed it on XX/XX/XXXX. Verification only required a 15 day turn around by law and none of the XXXX reporting agencies have responded to my request. Thank you for your time and consideration.
Product: Mortgage

Our home was completely destroyed by a XXXX. We had a reverse mortgage with Champion Mortgage. The lender cashed our insurance settlement check of {$210000.00} and we were given a loan payoff in XX/XX/XXXX of {$110000.00}. In XX/XX/XXXX, we did not receive our balance from the insurance check. Instead the lender gave us another payoff balance that was an additional $ XXXX by adding mortgage interest and mortgage insurance ( for a home they cashed a $ XXXX check ). We have been homeless since XX/XX/XXXX and can not buy another home because this lender is : 1 ) continuing to charge us interest and insurance each month even though the lender cashed a check to payoff the mortgage 2 ) lender will not process our loan payoff 3 ) lender has stolen our balance due from insurance.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the continued presence of fraudulent items on my credit report. Despite submitting disputes and providing supporting documentation on multiple occasions, these fraudulent accounts persist, and my previous attempts have not resulted in their removal. I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. 
However, your agency has consistently failed to fulfill these legal obligations in handling my case. The ongoing presence of these fraudulent items on my credit report has caused significant distress and financial harm. It has adversely affected my credit score and has impeded my ability to access credit and financial services. I would be appreciate if you would help me conducts an immediate and thorough review of my dispute and expedites the removal of the fraudulent items from my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. With this, I am asking for your assistance to remove the fraudulent items : New Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TOYOTA MTR XX/XX/XXXX {$19000.00} 09 XXXX  XXXX  XXXX  XX/XX/XXXX {$4800.00} 06 XXXX  XXXX  XX/XX/XXXX {$0.00} 11 XXXX XXXX  XX/XX/XXXX {$0.00}
Product: Debt collection

Upstart had filed a suit against myself. We were able to settle outside of court. We have paid them their full ask and we were told we would not be sent a 1099 on the amount of forgiven debt. We did receive a 1099 and I called to find out why we received it when we were told we wouldn't and how the amount was calculated. 

They did not give me any details and they said lawfully they did not need to.
Product: Mortgage

I spoke with a loan salesman to try and refi my home. they failed to let me that because I had move my home into trust ownership I would not be able to refi. the started the loan underwriting had me pay for an appraisal and deliver all of my information. after all of this was done they stop returning my calls for 4 days before telling me they this information. I had let them know I had an issue with the quick deed and it was not completed. both the loan producer and title company they work with told me to complete the transfer, only to tell me that the transfer would make it so I can not do a refi. They omitted information that would have same me {$550.00} and about 10 hours of time, and then delayed telling me for 4 days
Product: Debt collection

Opened XX/XX/XXXX Reported XX/XX/XXXX Amount {$18000.00} XXXX XXXX XXXX Filed police report stating I was a victim of identity theft, also contacted the leasing office multiple time advising them that I was not residing in their neighborhood. And that someone falsely used my identity
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Credit Collection regarding collection accounts for which I sent a dispute letter over 30 days ago. Your company failed to meet the validation requirements under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

I specifically requested : An explanation of the account balance.

Full payment history and audit trail. 
Documentation of my consent to this debt and its reporting. 
Proof of authorization to collect in my state. 
Chain of custody, master bill of sale, purchase agreement, and promissory note for the alleged debt. I also asked that your Senior Executive from your office Swear under penalty of perjury this corporation were present during the alleged debt which you nor I can validate because we were not present.

None of these items were provided. Reporting inaccurate or unverifiable information is a violation of the FCRA and FDCPA, as is the furnishing of deceptive forms to create false beliefs about my obligation to pay.

I demand the immediate deletion of the following accounts from my credit report. Failure to comply will result in legal action for monetary damages as permitted under federal law. 

CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX CREDIT COLL ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  : Account NumberXXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX  Account Name : XXXX : Account NumberXXXX Account Name : XXXX : Account NumberXXXX Account Name XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX  Account Name : XXXX XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX  : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account Number:XXXXXXXX XXXX XXXX - UNAUTHORIZED INQUIRY has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I contacted Experian, XXXX, and XXXX on XX/XX/2023 requesting they provide me proof of my written permission or instructions for the identified transactions to be reported on my consumer report which includes XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AND XXXX XXXX XXXX. This is a violation of FCRA 15 USC 1681b ( 2 ). Additionally, I also notified Experian, XXXX and XXXX on XX/XX/2023, of my request that the reporting of this information be blocked and deleted. Again their refusal to block this information is also a violation of my rights under FCRA15 USC 1681c-2. I also notified Experian, XXXX, and XXXX my request to block is not being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX was paid in full XXXXthe end of XXXX XXXXhe company charged XXXX $ on my account ( not authorized ) that XXXX $ received a late payment. Next month charged an late charge.. now it about XXXX XXXX Another late payment caused by XXXX  next month another charge, another late payment. I called and was told they would correct the balance and late payments.. which also lowered my score AGAIN..
Product: Credit card or prepaid card

On XX/XX/XXXX I was charged by Target XXXX $ for a returned payment fee. Their card policy clearly states that in the state of PA the maximum charge is XXXX . They will not refund any of the funds after multiple calls to their various complaint and dispute departments. They also disconnect calls after hours on hold. They refuse to take any action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX  in 2012 living with different people living pillow post. Someone stole with my info and got different accounts in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of looking to buy a home. This is why I pulled my Credit Report. I could not believe the information I found. There are several loans and accounts on my report that I have no knowledge of and I contacted each creditor and have not been successful in removing these items, the reps were rude and told me even if I had no   XXXX   XXXX   is reporting  XXXX  times as well. These are not my accounts! And I will not rest until I get results. This is preventing me from getting a home and I feel it is very unfair to have to pay for something I did not do nor had any knowledge of. These accounts are reporting in error. Please help me to resolve this,
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXXXXXX XXXX Balance : {$2800.00}.
Product: Credit card

I am filing a formal complaint against Barclays Bank and XXXX regarding a wrongfully denied chargeback dispute despite clear and documented evidence supporting my refund request. Additionally, my original reservation amount was {$490.00}, yet this amount was arbitrarily adjusted to {$390.00} without explanation during the dispute process. 

On XX/XX/XXXX, I arrived at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, AZ, with a prepaid reservation booked through XXXX ( XXXX XXXX XXXX ) for {$490.00}. Upon arrival, I was informed that the hotels water pump was broken, leaving all rooms without hot watera fundamental necessity for a habitable stay. The front desk confirmed this was an unforeseen and unresolved issue, leaving me no choice but to cancel my reservation. 

The hotel assured me that my reservation was canceled and that a refund would be issued. The hotel manager later confirmed : The reservation was canceled on XX/XX/XXXX, with cancellation confirmation XXXX XXXXXXXX. A refund of {$390.00} was processed at XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) on XX/XX/XXXX, XXXX unexplained discrepancy from my original payment of {$490.00}. The hotel contacted XXXX on XX/XX/XXXX, confirming the cancellation and refund approval. 

Despite this, XXXX has refused to issue my refund, falsely claiming they have no record of the refund approval. Their internal records from XX/XX/XXXX and XX/XX/XXXX, indicate they received no response from the hoteldirectly contradicting their later claim that they made multiple unsuccessful contact attempts. 

On XX/XX/XXXX, I filed a chargeback dispute with Barclays for {$490.00}, citing " services not provided. '' However, on XX/XX/XXXX, Barclays denied my claim, stating I had agreed electronically to XXXX cancellation policy. This denial is completely flawed and unjustified for the following reasons : The hotel failed to provide a habitable room due to the lack of hot water, making my stay impossible. The hotel confirmed my reservation was canceled, and a refund was processed ( albeit for an unexplained reduced amount ). XXXX internal records contradict their refusal, as they initially noted no response from the hotel. 

XXXX falsely claims no record of a refund, despite documented confirmation from the hotel. Barclays outsourced the dispute decision to a third-party arbitrator, XXXX, who arbitrarily ruled against me without allowing me to present my case or speak with them directly. 

This is a clear case of unfair business practices and wrongful denial of a refund for services not rendered. XXXX, Barclays, and XXXX have all failed to uphold basic consumer protection standards, leaving me responsible for a charge I should not be liable for. 

I am prepared to provide any additional documentation necessary to support my claim. Please investigate this matter urgently, as I have exhausted all efforts to resolve this issue directly with Barclays and XXXX. 

Thank you for your time and attention to this serious issue. I look forward to your prompt response. 

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

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I reached out to the FTC and to my local police department. These items need to be deleted from credit report XXXX  XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. I am doing all of this on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a mortgage loan today ( XX/XX/XXXX ) from several banks. I found out from one of the bank that it was due to credit scores that it had obtained, more specifically from XXXX  because it was the middle score among the 3 scores : XXXX from XXXX, XXXX from Experian, XXXX from XXXX The score range was XXXX to XXXX. 

The credit scores I obtained from the websites of the 3 credit reporting agencies, just hours before applying for the mortgage loan and before the bank " pulling '' my credit, were XXXX from XXXX ( XXXX according to the bank ), XXXX from Experian ( XXXX according to the bank ), XXXX from XXXX  XXXX XXXX according to the bank ). The Experian, on their website, displayed XX/XX/XXXX XXXX XXXX whereas others indicated their score were as of XX/XX/XXXX.
Product: Credit card

I have Wells Fargo credit card. I have setup automated payments. 
Why the payment for card ending in XXXX was not done on time? It is showing late by XXXX  days. Then finally i need to do manual payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Flagship credit has listed wrong information on credit reports. Car was totaled in XXXX. Never heard from company over any balance. In XXXX they list a balance they say I owe on credit report. Loan is over 9 years old and they are reporting it like its a new loan. Dates ate inaccurate and I want it removed. I contacted them and now they put it from a open to closed loan but its still showing on credit report with inaccurate information
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX and XX/XX/XXXX I received text messages from XXXX XXXX XXXX, a debt collector on behalf of Spotloan stating I owed around {$1500.00} and offering a settlement amount. I filed a complaint with the XXXX regarding this as fraudulent as I have never had a loan with Spotloan. In reply to the this complaint apparently XXXX returned my information to Spotloan. Spotloan then attempted to contact me via phone and contacted me via email on XX/XX/XXXX citing that I had reported identity theft and wanted me to return an affidavit to them with all of my information. They stated a loan was created in my name on XX/XX/XXXX for {$600.00}. If a loan was created in regard to any inquiry it was never completed by me, signed or received. 
I have my bank statements verifying I never received such a loan. I had no contact from Spotloan regarding this until the text messages were received from a debt collector. I also went to their website and searched for an account with my email and nothing was returned so I can not see any account established with my information. If they had my information it seems there would have been contact before the text messages were received from a third party. 
This seems fraudulent on Spotloan. Due to the potential for fraudulent activity seemingly from their company I do not feel comfortable supplying them with any further information of mine. 
I would like them to clear this matter and cease and desist all contact with me regarding this and all attempted collections to stop. I dispute that I ever had a loan and do not owe them any monies.
Product: Mortgage

I have asked my mortgage company to cancel my HO Flood and Insurance for 18 months. I have written letters, emailed and nothing. I complained via the CFPB. 
They responded ( incorrectly to part of my complaint ) and ignored the remainder. 
Then closed it erroneously. 

My previous Mortgage company had forced me to have HO Flood and HO Insurance on threat of Lender placed insurance. FAY have basically totally ignored my requests to sort out the insurance.