23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My daughter received a call from a company that stated that my property was in foreclosure. She thought it was a scam so she called PHH on my behalf to discern if this was the case. It was confirmed by representative XXXX, employee ID # XXXX, that the property was on foreclosure. My daughter informed me and I requested to know what occured. Although all taxes were up to date on the property, according to the representative, the company paid the the XXXX XXXX XXXX {$3000.00} on behalf of the property in XX/XX/XXXX. I was not informed of this even though they said that there was correspondence to me, I never received anything. My daughter called back to find out if the amount could be paid by virtual check only to hear from another representative, XXXX ID # XXXX, that the amount had changed to XXXX. The original amount was confirmed with the previous representative more than once and also with this representative. The cost to remove the home from foreclosure increased in less than an hour. This is not the first time that I depleted my funds just to remove my home from foreclosure for miscellaneous charges by this company that I was not informed of. I am on a fixed income and do not want to lose my home due to shady practices. Although I have sent through a check via mail to resolve this matter my money is now next to nothing and I am suffering. I was supposed to be refunded money from this company for charges that were duplicated but I have yet to receive any of my money back although I have been charged randomly throughout the years of this contract. I feel like this company is trying to scam me out of my home. They have already paid a large sum in restitution for illegitimate business practices in XXXX and now I feel like they are still attempting to siphon money from unknowing borrowers but on a quieter scale. I would like my mortgage agreement and payments to be reviewed to ensure that the costs that are consistently brought upon me are valid. Please help.
Product: Debt collection

On XXXX XXXX, 2016, I was involved in an accident where i had to be taken to the hospital. Somehow, my social was written wrong and XXXX did n't cover it until i spoke with them, and they corrected it leaving me with a XXXX dollar deductible and XXXX dollars owed. XXXX mailed a letter that stated " we received an inquiry regarding patient billing on the above claim. the patient 's cost share and/or copayment was {$0.00}, and we applied {$0.00} towards the patient 's deductible. the claim originally denied because it was submitted with an incorrect member identification number. this ha

s since been corrected and the claim has been paid, leaving no patient responsibility. our files show that although you are not the network provider, your claim was  submitted indicating you agreed to accept assignment. therefore, you have agreed t
o accept the XXXX maximum allowable charge as payment in full. the beneficiary is
only responsible for copayments, cost shares, and/or deductible amounts. if the patient paid more than the copayment, cost share, and/or deductible for these services, please refund the payment to the patient within 30 days from the date of this letter. '' somehow this still is being charged as a collection.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP XXXX AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF IDENTITY THEFT... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/2016
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The payment was made on time. However, due to an internal processing delay on the part of XXXX XXXX, the payment was mistakenly recorded as late. I have included the bank statement and payment confirmation showing that the payment was made before the due date. 
XXXX XXXX : There was a system error on XXXX XXXX  platform that resulted in the payment being logged late. This error was acknowledged by their customer service, but it has not yet been corrected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, XXXX XXXX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my XXXX XXXX and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I received a notice in the mail from my mortgage servicing company ( PHH Mortgage Corporation ) in XX/XX/2019 with instructions on how to limit sharing of personal information. The letter was ( 3 ) pages long with sections titled Facts, Who we are, What we do, Definitions & Other important information. The first page included an automated number to call to limit sharing where legally allowed ( 3 of the 7 categories ) as well as a number to call with questions. There were no other pages in the notice & nowhere on the ( 3 ) pages was there a mention of a written request being required in order to limit sharing. ( FYI - I do not live in VT, CA or ND - I wish every state protected its residents by requiring opt in instead of opt out, as these states do. ) I called the automated number shortly after receiving the letter in order to opt out of sharing wherever possible. I went through the entire menu ( verifying my loan & identity ), then received a message that " this service is not available for your loan. '' Since my loan had been part of the merger/reorganization with XXXX & PHH several months prior, I thought they may be slow getting it into a new system. 

I called the automated number again this Friday ( XX/XX/2019 ) & received the same message. I followed up by calling the other number listed on the letter, which is only available during weekday business hours. After again going through a long menu, I was able to speak to a customer service rep & communicated my request to opt out of sharing. She first indicated that I would need to send in a letter ( generated by me ) outlining my request. I told her this didn't make any sense & wasn't indicated anywhere on the letter I received. She put me on hold to " verify facts '', then came back & told me I needed to mail back a form that would let me opt out. I again told her I had never received such a form ; the only notice I had was the one indicating this service was available by phone. She continued to provide inconsistent information, now saying the notice I received was from XXXX, not PHH. ( The first line in the letter I received was " What does PHH Mortgage Corporation do with your personal information? '' ) At this point I had been on the call over 20 minutes & needed to leave for work. I repeated my desire to opt out of sharing & requested any forms necessary to do this be sent to me as soon as possible. 

I have no confidence that PHH will respect my repeated request. It is impossible to see their opt out process as anything but an overt attempt to retain their ability to sell the information of those whose loans are being serviced. They have made the process as difficult as possible in order to subvert the desires of consumers & their clear legal obligations under federal law.
Product: Credit reporting, credit repair services, 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 name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States 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 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

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 WI XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX BANK ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

I applied for a loan modification in XX/XX/XXXX, knowing that my loan would mature in XX/XX/XXXX. Never received the modification even with the assistance of a HUD Certified Counselor. In XX/XX/XXXX US Bank placed a Les Pending on my Deed which has not gotten to the Foreclosure Procedure. In keepin in contact with US Bank 's Attorney I found out they can not go forward as this time. In trying to prevent being foreclosed on I spoke with other Lenders that are willing to go forward with the refinancing my loan, but due to the Les Pending on the Deed, they will not do it. I contacted US Bank to ask for a refinance. I provided all necessary information and was sent a closing package via XXXX XX/XX/XXXX. Now after making numerious call to the Loan Officer I was told they can not refy me due the Les Pending on the Deed. As a consumer I really need help in getting my Loan refyed.
Product: Credit reporting

This agency has numerous errors on my report. Names, addresses and personal information incorrect. I have contacted them and they can not correct via on line or email. A phone call to them gave no results. I waited 20 minutes on the phone and finally hung up. They sent a updated report and refused to take off the incorrect info on Social Security. They are saying the address I live at is a business address, this in not true. They are reporting my name incorrectly. And I can not seem to upload anything to the site, nor will then send me a hard copy of the free report. There are several requests from companies I have no idea who they are. And I see some companies contact them all the time for updates on my credit. I take offense to all this. I do n't believe that companies should have so much access to my or any ones personal information, this way. This allows all kinds of people to access personal information and use it any way they want.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these accounts are violating my rights. 

XXXX ( Reference Number XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Debt collection

This has been going on for more than six years now. I contacted them and advised that I never took out a loan with XXXX XXXX. I advised I was seeking counsel because I have good credit and many fraudulent charges were being made against me. I sent them letters and also called and spoke to supervisor XXXX and was told this was to stop. This company left me alone for two years and here we are again with them trying to collect {$280.00} I am so fed up with this and almost gave in but this is so wrong and fraudulent I am seeking your help desperately at this time as this has become burdensome to me and my family to have to keep reporting this company.
Product: Checking or savings account

In 2018, Bank of America ( aka Bofa ) took more than {$6200.00} from my checking account via their " Bill Pay '' service, but did not pay the bill... .for furniture. The furniture company had a man call and threaten to ruin my credit if I didn't pay. So, I went to the local branch on XXXX XXXX in XXXX XXXX, FL and the then president transferred the payment to XXXXXXXX XXXX  and paid for the furniture. He was unable to reach the Bill Pay dept of Bofa at that time. 
In 2018, I received a credit/debit card that may have had the money on it, but I didn't comprehend that and neither did the Bofa employee who told me to destroy the card. I did. After explaining this to Bofa, I was told a check would be sent. I received a statement showing a " fraud adj check '' was sent. There was no fraud, but the person at Bofa told me they didn't know another way to describe this. To make matters worse Bofa has totally fraudulent stuff on XXXX thus greatly damaging my credit score. It went from excellent to terrible. I have 0 Bofa accounts since early 2018. All credit cards were paid in full. I paid again to have the bad report removed from XXXX etc... The bank showed I owed them {$130.00} ... but told me I had to pay {$550.00} ... I did. The fraud report is still on XXXX etc and I still did not get my money back. I was turned down for a home equity loan by my bank XXXX because of the false reports on XXXX. To contemplate matters more Bofa has sent a fraudulent statement pretending I charged {$6200.00} and paid it back... thus stealing my money. At no time have I ever charged that amount on any card. This is fraud grand theft by Bank of America.
Product: Credit reporting or other personal consumer reports

Filed first dispute with XXXX on XX/XX/XXXX because XXXX Bank reported that I was 60 days or more late on a payment ( < {$10.00} ). This was incorrect - XXXX  made an error charging me fees on a closed and fully paid account- I contacted them, they removed the incorrect charges and assured they would report to credit bureaus I had no delinquent payments. I filed a dispute with XXXX and they closed the investigation XXXX stating the original ( delinquent payment ) information submitted by XXXX was correct. I reached back out to XXXX  using chat to get documentation stating that I should have NO LATE PAYMENTS reported - I screen-shotted this for documentation and filed a second dispute with XXXX XXXX and provided the screen shots, account information showing XXXX  removed the charges ( my report showed that I had paid the $ - I did not ), and details of first conversation with XXXX  with the agents name and location, and the date we spoke. Got results from the XXXX  dispute XX/XX/XXXX which shows " We investigated the information you disputed and updated : Date Updated; Original Charge-Off ; Remarks ; Maximum Delinquency ; Rating ; Historical Trended Data. Here is how this item appears on your credit report following our investigation. '' No further details or explanations, and this jumbled jargon makes absolutely no sense to me. Nothing was changed on my report. I used the XXXX chat function on XX/XX/XXXX and spent nearly XXXX minutes seeking help to then be told the dispute results were confidential and they could not help me, and to file a new dispute. I called the XXXX number on XX/XX/XXXX and spent several minutes speaking, asking for someone who could explain the investigation results to me, and an agent told she could not help with that and to file a new dispute. Requested a supervisor. She said she could not help, I need to call the dispute department and gave me the same number to call that I had just called. Called again - waited for nearly XXXX minutes with no one taking the call. I had to get back to work. 

I filed disputes with Equifax and XXXX as well, and they also closed the investigations stating the info was confirmed as correct. I asked XXXX several times to provide me with documentation that shows what information was updated/corrected and sent to each credit bureau XXXX but they refused to provide vial email or snail mail. XXXX tells me to contact the credit bureaus. It is a viscous circle with no way to track information exchanged or get documentation to resolve. 

My credit score has been near XXXX for decades. This error, of less than {$10.00}, has caused my credit score to plummet to the mid XXXX. XXXX needs to be held accountable for their failure to properly investigate, to provide adequate information to me upon request, and having no means of communicating with the company after filing the dispute.
Product: Debt collection

I owed the original debt to Belk and fell behind due to the loss of my job. Belk sold the debt ( approx. {$500.00} ) to XXXX XXXX XXXX ( XXXX ). XXXX then contacted my husband and discussed the debt, amount, and status of the entire account with him. My husband immediately called and told/asked me about it. I contacted XXXX and Belk to demand my debt be dismissed and removed from all credit reports due to them violating the law because I never gave permission to discuss anything with anyone. They did dismiss the debt but did not remove from my credit report. To this day it still shows and I have disputed it on numerous occasions without resolution. I have been fighting this battle for over three years now.
Product: Credit card

I saw a credit card offer from my American express credit card that if I spent {$300.00} or more in one or more purchases in booking XXXXXXXX XXXX US locations, before XX/XX/XXXX, I would receive {$75.00} back ( screenshot of the offer attached ). I used the offer on XX/XX/XXXX to book two rooms in XXXX XXXX ( reservation attached ), there were two transactions of {$36.00} and {$260.00} each on my Amex credit card on XX/XX/XXXX. However, Amex did not honor this offer and credit me back {$75.00}. When I inquired customer service on XX/XX/XXXX, the first representative claimed that the hotel I booked was not included in this offer. I told here I did check the list of hotels in the offer and XXXX XXXX was included. She then came back and told me the offer require spending {$300.00} in a single transaction, not two transactions. I explained to her the offer explicitly says " {$300.00} or more in one or more purchases '', the " one or more purchases '' means it can be one transactions or multiple transactions. But she still denied that. I escalated to her supervisor but she insisted that the offer only allows single transaction, while the offer terms I saw and screenshot clearly says one or more purchase. I feel this marketing offer is very confusing and misleading. I would not have booked intercontinental hotel without seeing this offer, but the credit card company would not honor what they marketed.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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 alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX Balance : {$1200.00} Charge-off XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX XXXX BANK XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX BANK XXXX XXXX Balance : {$850.00} XXXX BANK XXXX XXXX Balance : {$420.00} XXXX XXXX BANK ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX BANK XXXX A ) XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX NATL XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I 've submitted multiple disputes to Transunion in regards to collection accounts that XXXX XXXX XXXX and XXXX XXXX XXXX have inserted into my credit report as credit tradelines. I provided documentation to Transunion on different occasions and each time the accounts come back verified. I supplied Transunion a copy of their own documentation showing how a collection account should be reported and they still have not deleted the inaccurate information. XXXX XXXX and XXXX purchased delinquent charged off credits cards and are now misrepresenting themselves as a Debt buyer and my original creditors which they are not. I have no other option but to file a complaint with the CFPB and the South Carolina Attorney General office. 

These accounts are reporting with payment history whereas there is no provision under the collections segment of a consumer credit file for debt collectors to report payment history profile dates and items. 

These accounts are reporting payment terms as well. Again information that should not be reported by a collection agency. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). This reporting is frivolous and inaccurate.