23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH gave incorrect and misleading information on how to correct my final acceptance packet. They never corrected the problem as promised and misled me during the process. 
When they had n't corrected my packet as promised, they went to forclosure on my property never taking responsibility for mistake. Please make them correct my accepance packet. I did everything that I was ask for in a prompt matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit report accessed and received from these companies : 1 ) XX/XX/XXXX XXXX 2 ) XX/XX/XXXX XXXX 3 ) XX/XX/XXXX XXXX XXXX 4 )  XX/XX/XXXX XXXX XXXX XXXX XXXX 5 ) XX/XX/XXXX XXXX , XXXX 6 )  XX/XX/XXXX XXXX XXXX XXXX 7 ) XX/XX/XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX XXXX-listed 5 times 9 ) XX/XX/XXXX XXXX XXXX
Product: Vehicle loan or lease

In XX/XX/XXXX I purchased a vehicle and ally financial became the bank the dealer used. 
My payments are XXXX per month. Every month most the payment goes towards finance change and a small amount goes towards principal. 
In XX/XX/XXXX i made my payment as normal, and at the same time my warranty company gave me a credit of about {$2000.00} for a warranty not valid for use in my state. 

Ally financial, did not put the full amount towards my principal but instead put it towards monthly payments. Each month from XXXX to XXXX finace charges were collected.. 
Complete list of my monthly transaction are listed below. The monetary amount next to each month are the finance charges charged per my statements each month. From XXXX to XXXX I made no payment cause my amount due was XXXX. But there were finance charges removed from the XXXX that was credited to my account. 

XXXX {$440.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$290.00} XXXX XXXX {$26.00} XXXX XXXX {$26.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$300.00} In XX/XX/XXXX my balance due was {$19000.00} In XX/XX/XXXX my balance due was XXXX In XX/XX/XXXX my balance due was {$19000.00}. And had not reduced since XX/XX/XXXX. 

I started making regular payements in XX/XX/XXXX. 
XX/XX/XXXX {$360.00} XX/XX/XXXX {$480.00} XX/XX/XXXX {$480.00} and has not moved since... 

I have been making regular payments but ally financial is not dispursing them properly.. I know when you first her a loan it's heavy on the finance and low on the principal being paid but ally financial has taken full payments and put it towards the finance. 
I have asked them to review and correct but they refuse. 

The last 3 months I have paid over XXXX I. Finance charge alone.. thus is wrong. It should be split between finance charge and principal. 
At this rate what they are trying to do is have me pay all the finance charge up front.. thats not right.. part of it should be put towards principal as I have the option to pay off early if I want to. At this point my loan is almost the same as when I first got the car XXXX  months ago.
Product: Credit reporting or other personal consumer reports

I submitted several investigation request letters to the credit bureaus to fix issues with my credit report and they failed to respond to me which is a violation of my rights per the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act. the list of accounts below has violated my federally protected consumer rights to privacy under 15 USC 1681 XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$6900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2 : it also 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 consumer to any consumer reporting agency if the privacy and confidentiality under 15 USC 1681.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified Experian, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze.

I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Debt collection

On XX/XX/2022 I sent a cease and desist letter to Portfolio Recovery Associates tracking number XXXX XXXX XXXX XXXX XXXX, which is attached to this complaint ; and I also opened a complaint with the CFPB complaint # XXXX. In that complaint they stated they have no record of receiving any communication from when they originally acquired this alleged debt. I never received any communication from them via mail or email about an alleged debt. So when I realized it was on my credit report, I sent the cease and desist letter. Even if I had received the letter under the 15 USC 1692c ( c ) I never gave Portfolio Recovery Associates permission to contact me regarding this alleged debt. 
As I stated in the previous complaint I am requesting that Portfolio Recovery cease communication with me on any and all mediums included but not limited to : ALL consumer reporting agencies, social media, mail, email etc. 
This is the second attempt that I have made for them to remove this tradeline from my consumer report. Portfolio Recovery is violating my federally protected rights and this is not right and it is unlawful. 
STOP COMMUNICATING WITH ME AND REMOVE THIS TRADELINE FROM MY CONSUMER REPORTS IMMEDIATELY. 
I am holding Portfolio Recovery Associated civilly responsible for violating my federally protected right. Under 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. 
This tradeline appears on my XXXX and my XXXX consumer report, which makes Portfolio Recovery Associates responsible for 2 violations.
Product: Debt collection

Yesterday, I received a letter from  XXXX  XXXX  XXXX  with an address for Chase-  XXXX    XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX  with a request to send proof of tax payment before  XXXX   XXXX ,    2017  or to fax  XXXX . They claim that as of  XXXX   XXXX ,  2017 , there are outstanding taxes for the property.   I called  Chase  customer service this morning and the customer service representative verified that we do NOT have an escrow account with  Chase  and then added the tax  specialist  to the telephone call. The tax specialist said the letter was a courtesy letter so  the   county  would NOT take our property for unpaid taxes. I verified on-line in public records that the taxes had been paid and the date paid is before  XXXX   XXXX ,  2017 .   I also went to the tax collector 's office and got a receipt yesterday afternoon.   The tax  specialist  did NOT answer any of my questions. The telephone call was NOT recorded in its entirety, the beep of recording began after I asked the tax specialist who sent the letter and would I receive another letter with resolution of the information in this letter.   I 'm angry, because for a courtesy letter, it said that they did not receive a response from us by  XXXX   XXXX ,  2017 , Chase would pay all outstanding taxes and penalties and interest for the property. We may also establish an escrow account to pay future taxes, which will cause your monthly mortgage payments to increase.   Important  Legal  Information This communication is an attempt to collect a debt and any information obtained will be used for that purpose. However, to the extent your original obligation was  discharged  or is subject to an automatic stay of bankruptcy under Title  11  of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter  ( including our use of the words " your, '' " loan, '' " mortgage, '' or " account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to foreclose on the property.     If you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number.    XXXX   XXXX   Order  :  XXXX  Please help us to resolve this issue.   Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry with XXXX  on my equifax report. I have disputed with equifax and called XXXX and confirmed I don't have record of an inquiry in XXXX XXXXStill no one has took the next step to get this hard inquiry off of my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I've tried to call my lender Mohela, wait time is over 3-4 hours long and get disconnected. Emails take 3-4 weeks and are copy and pasted information than answer specific questions.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX  XXXX XXXX Balance {$260.00} Date opened XXXX XXXX, XXXX Payment history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$31000.00} Date opened XX/XX/XXXX Payment history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I had business with consumer financial services through XXXX XXXX sales in XXXX. I first got a car from them through them and later added furniture. I was making payments regularly and then my boyfriend lost his source of income and my payments fell behind. I went and talked to someone, and they got me back on track. I then relocated and started having trouble with that car. I got it fixed and it broke down again. they city put an orange sticker on it for it to be removed because I couldn't afford to get it fix again. I decided that I will just get another car. I got another and had someone to remove the old car out the yard. Consumer financial called investigator about the car and I let them know what happened. Now since I had the car removed, they have been running my credit each month without my permission. I have called them and told them I do not have their car and to stop running my credit because I haven't given them no other permission besides when I first got the car. I would like them removed from my credit report. Now I'm looking for a car they keep saying I have an open account and I don't.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I want the fraudulent accounts to be removed from my credit report immediately they hurt my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I started with a XXXX, applied for credit card and my points dropped by XXXX. Then another XXXX points. A few days later I paid off the card and the my points dropped again by XXXX. XXXX is my current XXXX XXXX. Says Between XX/XX/2023 and XX/XX/2023, your credit card account with CAPITAL ONE was removed from your credit report. Since this account is no longer on your credit report, its details won't be factored into your XXXX XXXX. Accounts can sometimes be removed due to things like disputes and reporting errors. I never closed my account or removed it. This is an error.
Product: Credit reporting or other personal consumer reports

I am putting transunion on final not to remove two XXXX accounts that are reporting illegally as Debt validation was never provided to me Identity theft notice was sent to at this point Transunion is aiding Fraudulent information regarding these XXXX accounts I have opted out of the sale of non public information, information reported transactions and experiences vis 15 us code 1681a ( i ) which is another Law transunion is breaking not to forget Im am a elder which the harassment of this illegal reporting is elderly abuse remove information as XXXX and XXXX has
Product: Credit card

After a phone conference on XX/XX/year>, negotiations of terms couldn't be met per my income ; first settlement {$150.00} for 12 months, Second settlement {$50.00} for 36 months due to income $ XXXX After which, received letter from mediation and debt resolution company which is violation of 15 US code 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been consistently reporting a negative " delinquent '' status to my credit report when the issue all began and continues with their system and their support. 

1. Their online system to get a forbearance on payment during Coronavirus approved me yet did not seem to go through on their end. Instead I received harassing collection calls and claiming my account was delinquent. XXXX last year. 

2. Their customer service person confirmed with me they were having issues with their online system. This dates back to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX negative reporting. 

2. During all the issues with their online system, approving a forbearance but not deploying, auto payments not working despite doing what their reps said to do, balance due numbers confusing and not correct, they have negatively reported and impacted my credit score.
Product: Credit reporting

At the time of the lease agreement, I was under legal age to sign lease agreement. I was still in XXXX school and on the lease we agreed he was head of house hold. I had no job just school That was also written on the lease XXXX.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my XXXX and Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer credit report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 15 USC 1681e ( b ) requires that consumer reporting agencies adopt reasonable procedures to meet the needs of commerce for consumer credit, personnel, insurance, and other information. These procedures must be fair and equitable to the consumer, ensuring confidentiality, accuracy, relevancy, and proper utilization of such information1. The law also mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of consumer reportsXXXX.
Product: Debt collection

The company calls me more than 3 times in an hour and more than 12 times in a day. Even after I have spoken with someone the day before, the calls continue to come in.
Product: Mortgage

I am the third party assisting XXXX XXXX with submitting his documents to Mr. Cooper. Per the previous complaint filed, Mr. Cooper stated in their denial letter dated XX/XX/2021 that XXXX XXXX ' original loan modification request was deined for the alleged failure on XXXX XXXX part to turn in requested documentation. 

When Mr. Cooper was contacted and informed that XXXX XXXX had not been aware that there was any missing documentation in XXXX and simply received a denial notice for assistance followed by the notice to foreclose, Mr. Cooper agreed to postpone the foreclosure sale date until XXXX XXXX, 2021 to provide time to submit a completed package and/or alternative to foreclosure workout option since the home has equity. The new loan modification package was submitted in XXXX and we were informed the foreclosure sale date would be placed on hold. 

To this date, XXXX XXXX, 2021, neither myself or XXXX XXXX has ever been able to speak to a representative in the loss mitigation or loan modification department despite multiple and formal requests to contact by XXXX XXXX, myself and the multiple customer service representatives. Paystubs, tax returns, hardships letters, proof of additional supporting income documentation has been submitted without confirmation of review, acceptance or denial. Meanwhile, the forelcosure sale date has gone from being on hold to being active and scheduled to foreclose tomorrow, XXXX, ber XXXX, 2021 per a Mr. Cooper customer service representative. This is all despite the recorded conversations had on multiple occasions with Mr. Cooper representatives last week apologizing for the lack of communication and guaranteeing the foreclosure sale date was being postponed. 

Our file contains multiple written emails, documented phone calls and logs. In addition, the calls with Mr. Cooper are recorded and monitored for quality assurance. Our phone calls, including today 's, are hours in length of holding time only to have no one able to comment or advise on the account. This is also a VA loan and the borrower has stated that the experience we are having is the same he had, however, in the company 's response, they blame the borrower for not being responsive, communicative and responsible to the denial of his loan modifcation. As I write this complaint, the line with Mr. Cooper has once again been disconnected while I was holding for almost an hour to speak with a supervisor for assistance. Our records will show this has been happening throughout our attempts to help this homeowner.
Product: Credit card

US BANK CREDIT CARD STATEMENTSCARD WAS OPEN XXXX OF XXXX WITH A XXXX PERENT INTEREST- Explained to us bank about my us that I had a income cut because of divorce and ask for a hardship program. This request went on for the last 6 months. No one would offer me help. I had a fico score of XXXX and now it dropped XXXX points. Only after they reported me 30 day late they begin to offer me help ; which I found out through money management. 
So, I called us bank alerting them that I found out about their program and they suddenly begin doing application ; which was on XXXX/XXXX/XXXX. The program wanted me to pay XXXX and they would not compromise and said that 's all they can offer. 
Around XXXX I called and spoke to a supervisor name XXXX who was rude and thought my situation was a joke. After going back in forth and pulling teeth by asking ; what is your rule and policies when you ask for help - what status your account have to be in, and she said no status it is up to the customer service rep and then chuckled. 

The next day, XXXX I spoke to clearance moore about XXXX behavior and he said he would review the audio and call me back, I left messages on XXXX and XXXX for his feedback. 
Today, XXXX I called us bank and spoke to XXXX, and motioned that my credit has been ruined because us violated Obama XXXX act by not allowing me to opt out of the card by not sending me a 45 day notice that my XXXX percent interest card was going up to close the card. 


US bank violated my rights as a consumer by not disclosing my rights. Each supervisor and customer service had a choice to use morals and ethical codes to assist me. Because they did not follow Obama XXXX act they violated my rights by not allowing me to close my card and opt out of the high interest rate. 
They violated their ethical principles XXXX uncompromising intergrity by not doing the right thing and disclosing the property information by not being truthfulThey did not respect my hardship in leaving an abusive marriage when interacting with telephone calls and not documenting calls, They did not take responsibility for their mistakes after I made repeatedly calls when I mention my rights were violated. 
They did not respect citizenship by following laws that govern banking practices. 
Rules : affective XXXX XXXX - XXXX XXXX c ) ( XXXX ) : 45 day change in terms ( they violated this rule, no letter or warning was given to me ) The rule is to provide advance notice and proficient time to respond to a change - in term notice.. ( I could of opt out and closed the card and got a lower interest rate at the time where my fico was XXXX XXXX. 

This card act allows the consumer to reject the change, subject to certain exceptions- 1 notify the customer the right to reject the change before the effective date 2. Provide instructions for rejecting the change and if applicable 3. Provide the consumer reject the change, his ability to use the account for further advances will be terminated or suspend.