23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our loan was sold to PHH Mortgage company. Initially, there were no issues. However, our insurance and taxes are paid into escrow. PHH failed to make our insurance payment due XXXX despite TWO invoices appropriately being sent from our provider. It was not until we had to call ( 30+ minute wait ) during their " limited COVID-19 hours '' of M-F 8-6pm and specifically request that they disburse funds that the payment was made. Thankfully we monitor our notices from our insurance company. 

Secondly, despite all previous servicers accepting internet payments ( or app payments ), PHH refuses to accept an electronic payment WITHOUT a signed Note Allonge which would allow them to charge {$19.00} for mere acceptance of our payments. In addition, during the 60 day " grace '' period they accepted such payments ( without fee ) but never, not once, in writing or otherwise provided notice of the " need to sign a note allonge. '' I have reviewed the Note allonge ( provided ONLY after I called and after 15 minutes discovered that was the " reason why '' I could not pay on the app, and that was NOT what the representative originally stated ) and patently refuse to sign it. It is inaccurate, misleading, and would give them carte blanche to charge unnecessary fees ( for which they have been subject to a lawsuit, which is where I guess the requirement to sign this form comes from ). Both myself and my spouse work in fields which routinely review and evaluate notes. I know that our original note allows for electronic payments, but it does NOT provide for the absolutely unfounded fee that PHH wants blanket approval to charge AT THEIR DISCRETION. So, I will pay by check. I will also be closely monitoring to ensure all payments are applied. 

This company is misleading, their advertising is misleading ( i.e. " Pay via our APP '' ), their customer service is not educated or helpful, and they have now failed in THEIR obligation under my note to timely make the escrowed payments. And of course, there is no recourse that we can take OTHER than to submit this complaint as the note was sold by our previous servicer and payors ( who are NEVER late ) have no ability to request a change in servicer from this disreputable company. PHH has violated our note, is seeking a self-serving note modification to benefit only their interest and profits, and has no care for their customers.
Product: Checking or savings account

I signed up for a checking account that offered {$250.00} bonus after doing XXXX debit card transactions within 60 days.
I fulfilled all the requirements and still have not received the {$250.00} bonus even though the welcome letter I received from Wells Fargo clearly states that I am eligible for the bonus. Since they have failed to meet their part of the advertised requirement, I believe that Wells Fargo is guilty of false advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed an account on my credit report that listed as XXXX XXXX XXXX XXXX and I never opened an account with this company. When I called the company and sent multiple letters they have sent me back a generic letter stating the account was not opened fraudulently which I never opened this account and if they are say I did then I asked for a consumer agreement or application with my signature on it and they stated on XX/XX/XXXX that they don't keep that information on file past 90 days. The still have have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it or etc. ) and under Section 611 ( 5 ) ( A ) of the FCRA. The will not because they stated that they don't have it.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received a text first from XXXX I guess PNC saying that XXXX try to get a transaction for my account for {$140.00} and some change accept what this you yes or no I said no and I got a call from the bank it was PNC 's phone number the one XXXX someone they said from the security department I didn't have {$140.00} and some change in my account so they said the XXXX as trying to get a purchase somebody basically compromise your account then I have had this happen to me before I've never had it this bad postal PNC always keep pushing a merge with a new you used to go online banking to make a long story short PNC has made like I have been had something to do with the wire transfer I don't transfer money at the end of the day they can look on my put my social security number and and whatever they did satisfied them and see that I have no access to wire transfer I only have account with PNC Bank I don't know anything of this PNC is so quick to be the one to keep your money so that makes me think someone at the bank is stealing people 's money at the end of the day pnc was notified about this issue as well I have to see what was going on with that I would like a bee Pennies on my money returned to me because of the theft whoever that person was that called me I've had people call me like this before they knew everything about me they even called from the numbers that PNC usually calls for from and they trying to say all the scammers know how to set it up looking like it's their phone number well never lap if that's what you want to say at the end of the day PNC needs to do a full investigation and if the Consumer Financial can help as well a full investigation needs to be done with that bank in the employees and where this money is going at a pass cuz it's into it why isn't there a fraud fraud department I supposed to have a I have a fraud alert on my credit report also why is it that fraud are fraud department looking at things going on with people 's account if people have accounts that they always do the same thing I've been with them about maybe like 10 years maybe at the end of the day it's no way that this should should have never happen especially if you've been with banks for years I've been with that bank over 10 years this is not something that you have let happen to a customer the fraud department is even worse than the people in the branch also they told me that if I get my money back they act like they don't know where that wire transfer of monies went to PNC up severed by trust for them because I put my money in there in good faith and basically they have shown me that they could care less and did they do they act like they don't know where that money went to and who it went to I have several accounts that this incident has caused me heartache just about every account I have has with PNC has been tampered with
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER EXPERIAN OR XXXX, ALTHOUGH XXXX HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit reports show several unauthorized inquiries and personal information that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is illegal to report information on my credit report that is a result of identity theft or reported without my authorization. I am requesting that you immediately remove this fraudulent item from my credit report.Under the law, you are required to block and remove this information from my credit report within four business days of receiving this request and documentation. Please confirm once this item has been removed, or provide an explanation if you decline
Product: Debt collection

Company : .Aldous XXXX XXXX XXXX XXXX XXXX XXXX City/ State/ Zip : XXXX UT XXXX RE : Account This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ) , the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting ActViolation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were not authorized by me. These fraudulent inquiries need to be removed as soon as possible. As a victim of my information being compromised in the XXXX breach, XXXX breach, Experian breach, and the black market, I need these to be removed. ''
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit, Equifax is reporting a late payment on XXXX for XXXX XXXX this is reporting inaccurate as I have never been late and am asking Equifax to provide documentation. If this can not be provided please update to on-time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice over the pass couple months inquiries n unknown addressses listed on credit that I dnt know if I made several complaints to the agency I submitted letters n I called n nothing as being done in my favor
Product: Mortgage

We tried to purchase a house. We informed the Mortgage Lender USBank Home Mortgage  about all of our circumstances. We had donated a piece of property to the XXXXounty land bank that had taxes owed on it. It was not a Foreclosure in Lieu of Deed situation, we didn't have to and were not forced to and there were no liens or legal actions imminent or active. There also was no involvement of the XXXX County Treasurer or Auditor. We had been assured of this by the Administrator of the XXXX XXXX XXXX   XXXX XXXX ( land bank ). Knowing all the facts They still accepted our Application Fee of {$430.00}, knowing or should have known that they were going to deny our application when their Underwriter made the determination that no matter what we were told, or that it was structured as a sale including liabilities, that it was, in fact, a Deed in Lieu of Foreclosure and would not grant us an exception even though we were qualified in every other way.
Product: Credit reporting or other personal consumer reports

Bankruptcy information reported by XXXX XXXX. The Federal Bankruptcy Department informed me that they do not report to credit reporting agencies. therefore, my information was taken by XXXX XXXX without my permission
Product: Credit reporting or other personal consumer reports

Can you take a look at this account it does not look correct. The dates when the account was charged off .Also my name and address is incorrect on Experian and XXXX as well as previous address are incorrect with some company for that I'm not apart of I had previously contacted them too let them know I had a debt consolidation company i was working with and they were apart of it and they automatically charged the account off and sold the account to an investment LLc.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly decreased my credit limit from {$10000.00} to {$9400.00}, I supplied my XXXX showing income of {$160000.00} in 2017. They increased my limits back to {$10000.00}. BUT XXXX  only acknowledging the decrease which in turn caused all other credit bureaus to report decreases, now my score is XXXX, I have no late payments to XXXX and in being punished in my scores for their errors. XXXX  is impossible to contact and im Really angry they are reporting inaccurate information. Their records do not show my incomes, so their ratios are wrong and Im a consumer that never just makes a minimum payment I have aged accounts and Im so upset they can just create their own version of the truth and I cant get them to even acknowledge their fraud much less correct. Im hoping I can report to XXXX and OIG. Thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please see the attached files for the Security Freeze form and Consumer Report Request Form. 

MicroBilt Violated copyright law and trademark law by using XXXX XXXX XXXX XXXX without a written consent per 15 U.S. Code 1681b ( a ) ( 2 ). 

If federal lawsuit is needed, Consumer Financial Protection Bureau ( CFPB ), U.S. Securities and Exchange Commission ( SEC ), Federal Trade Commission ( FTC ), and UNITED STATES Corp will be included with the Federal Lawsuit.
Product: Payday loan, title loan, or personal loan

World Finance gave me a loan that was fraudulent Because there is no Lawful money, and it can't be a Loaned the Date of the alleged loan was XX/XX/2018. On the Consumer credit transaction, I extended my credit out to them with my Credit Card ( SSN ) under Federal law 15 USC 1602 ( I ) ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Upon me looking at the Truth and Lending Statement I've found Fraud under ( T.I.L.A ) there's a Finance charge involved and I wasn't told that the Finance charge was the sum of all payments not in comparison to cash transaction under 15 USC 1605 ( a ) ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : THEY BROKE THE LAW ALSO, NO DISCLOSURE WAS GIVEN TO ME REGARDING THE RIGHT OF RECESSION 15 USC 1635 ( A ) ( a ) Disclosure of obligors right to rescind Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau, of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. 

I WANT THIS FRAUD ACCOUNT DELETED AND REMOVE ALL INFORMATION FROM THE CONSUMER REPORTING AGENCIES
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX has placed a charge off on my credit report for {$150.00} I have tried to contact them and find out what is going on and all they keep asking for is full payment on this debt, it it apparently 3 1/2 years old and Im just now finding out about it. I asked for a letter stating they would remove it from my credit report if I paid it in full and was told that is not possible and then was hung up on after asking why it wasnt possible.
Product: Mortgage

My loan was purchased by Lakeview Loan Servicing LLC from XXXX mortgage. I was notified XXXX days later that my payment was late ( I had not clue my loan had been purchase ), then XXXX week after that I received notice that I did not have hazard insurance. 

Bottom line - nothing transferred between lenders as I had auto-payments established with XXXX. My insurance is current on the property XXXX XXXX XXXX. Very concerned my escrow didnt transfer or will be applied appropriately. 

Lakeview has XXXX ability for online access and their process for validating insurance is broke ( mail instructions with code do not work ).
Product: Checking or savings account

In XXXX I had fraud on my venmo account. It was XXXX XXXX. I called Venmo and spoke to fraud team and they said to file a dispute of charges with them and they will get my money back. Dispute of charges filed with Venmo against XXXX XXXX A week later out of nowhere, Venmo closed my account without giving me any reason or warning. They refused my direct deposit and had it sent back to my employer who didn't receive confirmation for a week and my pay checks had to be mailed which took delays and was hurting real bad. Venmo then froze all my money in the checking account and said they might return my money depending on unknown factors they won't release. Upon reviewing this issue, Venmo always takes the money and forces the consumer to take action. I have lost hundreds of dollars in late fees and my Christmas was ruined because my funds were all over the place and missing due to this scam Venmo did one. I was following the fraud departments advice and I got punished for trust Venmo. They never respond to emails and can't call them at all. Want my money back plus more if possible due to all of the money I paid in late fees, my credit score dropped, plus so much more.