23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX Mortgage Help/complaint When Covid lockdown started I liked everyone else was out of work and needed mortgage help. I applied for a deferment for my loan with my company PHH and asked that 6 months be placed at the back of my loan because I would be out of work due to quarantine. My lender said no problem sent me the forms out, telling me the spots Id need to fill out. I did as directed on the phone, submitted the paperwork and was told Id have a Phone appointment with a supervisor to process my request. 

That next phone appointment I was told via the my paper work was missing a date, and that Id need to resubmit all of the paperwork and then get another Phone appointment, i asked for a supervisor, explained I just needed the 6 mo of reliefs and that I was soon heading back to work. They still made me resubmit the paperwork for a date. At that time I also tried to make a full mortgage payment, when they told me would be accepted. A week later it was returned to my bank. 

I refilled out the paperwork out, made sure all the dates had been filled in, and waited for another Phone appointment to get the deferment applied to my account. At that next phone appointment I was told I missed the XXXX  in my middle name and that I would need to resubmit the paper work, at that time I explained Its now 6 months, Im heading back to work and that I didnt need more time I just needed that 6 months moved to the back of my loan, and My ability to make payments reinstated. I was told they wouldnt be able to take any payment with out the deferment being processed and that Id now need to apply for another 6 month extension because I didnt finish the paper work as expected. 

I asked for a supervisor, was told that they didnt have one. Was told Id need to redo the paper work, at that time I sat in the phone for an hour with the process person, filling out each area with this person on the phone with me. At that time I was set up with another phone appointment promised that this time it would all be handled, that my paperwork was complete. They ended up saying that I had missed my social security number In the paperwork which was clearly filled out In the paperwork I had in my hand. 

At that time they started booking phone appointments for weekends and not even calling at the appointment time, but emailing me to say I had missed it when I hadnt, i again tried to make a mortgage payment and had it again returned. After dozens of meaningless/ waste of time appointments im over it and need to fix this asap.. they're obviously delaying this whole process on purpose so that I can loose my house.. please help.. thanks in advance XXXX XXXX XXXX XXXX PHH MORTGAGE My Email XXXX My address XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

Data breached info from Equifax and I received credit fraud emails, however nothing was done. I have collection accounts from an XXXX XXXX  I've never used before.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX 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 or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I signed up for the HSBC Premier Checking Account in XX/XX/2020 and funded the account with direct deposit in response to a promotion to receive 3 % cashback ( up to {$700.00} over 6 months / {$120.00} per month ) of deposits. After waiting more than 4 months after continually funding my account with direct deposits every 2 weeks, I contacted customer service about the cashback bonus. Initially, customer service just repeated the promotional terms to me, which I had clearly satisfied. After numerous additional calls and secure messages, I was told that my account was ineligible for the bonus because, they claim, that I did not sign up for the account from their promotion landing page. This claims is false because I specifically made sure I signed using the promotion page ( because that's how I found out about the cashback bonus and decided to open the account ). In addition, I called customer service after I signed up for the account to confirm that I would be eligible for the bonus and customer service confirmed that I was. In conclusion, I am owed {$700.00} in cashback bonus that HSBC is refusing to honor.
Product: Credit reporting, credit repair services, or other personal consumer reports

**** In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX And XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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
Product: Mortgage

I contacted XXXX XXXX on XX/XX/XXXX to do a refinance on my house. XXXX tells me she should be able to close in early XXXX of XXXX. On XX/XX/XXXX an appraisal was performed on my home. I sign more documents in XXXX and sent bank statements and pay check after sending initially when I submitted the application. 30 days pass I emailed the broker status On loan and she replies they can not get a hold of my HR department but they got a reply soon as I emailed for status. I told the broker my coworker that works same position as me I work with directly started his refinance process about month after me and just closed in middle of XXXX. XX/XX/XXXX signed closing disclosure and was told few days later needed more documentation and the same documentation I already sent. XX/XX/XXXX I signed another closing disclosure and once more they did not close. I tell the broker that I am dissatisfied how long its been. The broker brings up more excuses that cant calculate my income and needed my paycheck stub once again XXXX my pay stays the same for base pay ) she was going to contact my HR personally and finally get it done. I questioned how this was not figured out earlier 3 months has already passed. XX/XX/XXXX my flood insurance company finally was notified by C2 to switch information with them. XX/XX/XXXX I emailed once again for status and was told waiting for title to switch. XX/XX/XXXX I emailed for status and broker did not reply. This is my 4th home in 12 years and also my 4th refinance I do know what documentation is required.
Product: Credit reporting or other personal consumer reports

I have no negative items on my credit report and paid my only credit card that has a balance down. This dropped my score by XXXX points. I checked my report to see what changes were made to cause this and Transunion message is : " Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX credit card balance decreased by {$1800.00} from {$3200.00} to {$1400.00}. Nice work lowering your balance! Even though you're still using over 30 % of your card 's credit limit, you're on the right track. If possible, keep working toward getting your Credit Card Utilization rate to below 30 %. '' Respectfully, my overall utilization is well below 5 %. Moreover, making on time payments and keep low utilization is supposed to increase your score not bring it down. I called Transunion to complain and they said it was a " system error '' on my credit report that they will fix via maintenance. I've been refreshing my score but it's still at a XXXX. Again, no late payments, no collections, no charge offs, NOTHING DEROGATORY AT ALL ( over 25 accounts in Good Standing ). 

XXXX XXXX my score was XXXX and adding 1 positive account dropped my score XXXX points at that time. This is ridiculous and concerning on so many levels. PLEASE FIX THIS! ***Note : XXXX score XXXX, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settle my account Credit card Account with XXXX  XXXX. XXXX  XXXX sent me a letter stating that the account has been settled and no longer action will be taken. All credit companies were notified all credit companies removed The credit card account, but one refused to take it off after sending Equifax a copy of the XXXX  XXXX letter stating it had been settled and the Account is closed. They refused to take the account off stating it was up to there discretion went to take it off. Ive sent several letters and also contacted them by phone and theyre still refusing to remove it. This has been several months that this is been going on.
Product: Credit reporting or other personal consumer reports

Somebody made a hard inquiry using my information, which I did not authorize. 
XXXX  XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXXCAPITAL/XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX on XX/XX/XXXX CAP ONE NA on XX/XX/XXXX CAP ONE NA on XX/XX/XXXX CAP ONE NA on XX/XX/XXXX
Product: Credit card or prepaid card

This account was closed earlier this year by the bank due to inactivity. 
I contacted the bank and told them that all TJX stores and online were closed due to the Covid 19, they still stated that after 6 months of inactivity the account closes. 

They made me go through re-Appling when they had just increased my limit to XXXX. 

Then they open a smaller account with a XXXX limit. 

However on my credit the old account is still showing open. 

I have written to the bank and they have no fixed this. 
I have called and asked for this to be fixed and it still reflects this information. 

This is my car care old card, it sits dormant in dispute mode and need to be marked CLOSED XXXX. 

I have tried endlessly to call the bank to get the credit report entry resolved. I am told they report it and it still shows and unknown status.
Product: Mortgage

Seterus has added escrow payments to the loan they purchased without our knowledge or approval. The original loan did not include escrow payments.
Product: Credit reporting

XXXX XXXX XXXX XXXX and XXXX XXXX was previously deleted and now reporting once again
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to have the fraud alert and extended fraud alert deleted from my Experian credit report Experian : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX
Product: Credit reporting or other personal consumer reports

I did not open this account. Keeps popping up on my credit it was already removed once and they re inserted back on my report. Also never received debt validation letter from original creditor.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actions to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

I currently get assistance through a program called Homeowner Assistance Fund. They pay XXXX each month at the beginning of the month. Payment they made in XX/XX/2022 was applied to my XXXX payment. Payment was sent in XX/XX/XXXX for XXXX which could not be applied to XXXX cause my XXXX payment went up to XXXX due to escrow, which would make me pay the difference, but HAF program sent in another payment of XXXX totaling {$1600.00}. So I would have to pay nothing and XXXX payment I would need to pay the difference now cause the total that should be left in the suspense account should be XXXX. No one seems to care, everyone I spoken to give you the wrong answer. I even spoke with a supervisor she informed me that the task was put in and the funds would be applied XX/XX/XXXX did not happen it XX/XX/XXXX a late fee will be applied tomorrow which flagstar need to waive. Not my fault cashiering cant open a task and move funds immediately. Not to mention my statement does not even reflect the funds from the assistance program which it should or online. This been a nightmare and I cant wait until the HAF program is over in XXXX will be the last payment they send to XXXX. Also, I hope this will not affect my credit because of their due diligence on payment processing.
Product: Student loan

Changed banks, in XX/XX/XXXX   submitted a request online with Navient to change my auto pay to new account ( I have been on auto pay for 20 years and have 10 more to go ). Recd email stating autopay approved with new bank. XX/XX/XXXX, Navient took autopay out of old bank acct. XX/XX/, resubmitted new autopay online and received email confirming new autopay. XX/XX/XXXX Navient did not take out autopay from any account. Called Navient to resolve. Through several phone calls was told that they would put my XXXX payment into Administrative forebearance, my loan terms would not change and I would not lose my .25 % interest reduction for timely auto pay payments. The automated electronic contract did not state the same terms that the representatives had told me, it stated a regular forebearance with interest capitalized, etc. You can not get out of the automated contract to speak to the representative without agreeing to the contract. I raised my concerns to 2 different representatives ( Navient made the mistake of not starting my autopay correctly, I did not want my payment to change or lose my interest rate reduction, or receive a late pay on my credit report, and that the automated contract did not state what they had told me ). Each representative said the same thing, that this was an Administrative forebearance that my payment and interest rate would stay the same and no late payment would be reported to the credit bureaus. Since Navient considered my XXXX payment overdue and required both my XXXX and XXXX payments to bring my account current, I had not choice but to accept their Administration forebearance, Today, I received my confirmation of autopay with Navient, and as I feared there was no Administrative forbearance, my loan payment changed from {$330.00} to {$340.00} dollars per month and since I have 10 more years to pay on this loan it will increase the overall cost of my loan by at least {$600.00}. I will not know until next month, but I imagine I will also get reported to the credit bureaus for late payment and lose my .25 % interest reduction.
Product: Debt collection

Portfolio Recovery Assets is trying to collect on a XXXX debt. I did have a XXXX account at XXXX time, however, the amount owed does not match what was owed, at all. I have told them this repeatedly. First, I did not get notice that they took over the debt when they did so, so I could not ask for Validation within the first XXXX days. Secondly, I have asked for validation for XXXX years now, and they only send me an electronic file with general information. I have specifically asked for the account history so that I may try and recognize this account is mine, and if so, that the dollar amounts are correct. I say this because my original credit limit with XXXX was only XXXX. The last balance owed was not near this amount at all, maybe XXXX. I have asked PRA to provide some kind of original documentation that CLEARLY states this is my account, i.e. transactions, and how the XXXX dollar amount was come up with. They have not done this. 

I called them again last week, and was told that the last certified letter I sent was sent to the wrong address, I sent it to XXXX XXXX XXXX, and the PRA employee stated it needed to go to XXXX XXXX XXXX. She told me I had to send in a new letter to the XXXX XXXX address. However, I sent it to the exact address in my credit report, and someone from PRA did sign for the letter as I have the receipt. I told her this, and all she could say was, " its a new year, send in a new letter ''. I feel this company is doing everything possible to avoid providing the proof I requested, by all these stall tactics. I want to get this resolved, and am not getting anywhere with them. I feel that if they are demanding this amount of money and from me that they need to prove ownership without a doubt since there is an issue with the dollar amounts. There is also something on XXXX of my credit reports starting in paid {$100.00} on this account XXXX 2013 and XXXX 2013, which I did no such thing. Can you help me get the information I need, or can you help me get them to delete this from my credit reports if they truly can not prove it is my debt/ and or the accuracy of the amounts owed? Note : I have tried to dispute this through all XXXX credit reporting agencies and got nowhere.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record Dear XXXX, I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 


According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payments were reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 


Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. I have always valued my relationship with XXXX and have made all my payments on time, except for this instance, which I have identified several factors that suggest an error in the reporting process : Account Transfer and Closure : The account was officially transferred and closed as of XX/XX/XXXX, and any subsequent late payments reported after that date should not have been reflected in my credit report. The delay in processing during the transfer led to an incorrect 120-day late report, which is not an accurate representation of my payment history. 
Payment History : Prior to the transfer, I consistently made all payments on time, as is evident in the payment history up until XX/XX/XXXX. Any discrepancies reported after that date were a result of administrative issues during the account transition, not a reflection of my payment habits. 
System Error in Reporting : Although I filed a dispute regarding this issue, the account was marked as resolved, but the late payment entries remain on my credit report with TransUnion. This is a clear indication of an unresolved issue in the reporting process that needs further review. 
I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 
Thank you for your attention to this matter. I look forward to your prompt response. 


Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XX/XX/2023 FLAGSHIPCRDT- XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 FLAGSHIP CREDIT ACCE- XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 I have reached out to all of the companies listed above and advised them i have not applied for any credit and advised it XXXX have been fraudulently applied for they have all refused to remove these inquiries off my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I thought I was speaking to a dealership when I called the company XXXX. 
I liked a particul

ar car for my son. They called me the next day and without disclosing that there was a chance that I wouldn't qualify for the loan OR disclosing how many time they would pull my credit they asked if I would like to apply for financing. I am weary about applying with dealerships. I explained to her on a recorded line that I am looking for a second vehicle for my son. She then put me on hold. I sat for over 30 minutes on hold when at that time she did not get back on the phone with me to let me know what was going on. SHE HUNG UP ON ME! My credit monitoring systems are blowing up! They let my credit be ran over 20 different times! I went through a horrible divorced and we were forced to file for bankruptcy so I have worked extremely hard to get my score over 700 in the past 2 1/2 years. Now, thanks to the amount of inquiries in one day, it is just over 600. I would really like to see these inquiries disappear from my credit reports considering once I contacted a different online company that I was preapproved with one of the same lenders and was told that I only qualify if I turn m
y car in. WHAT? 
XXXX knew I was shopping for a second car! They took advantage of me! 
I feel so violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continually fails to process disputes. I have submitted and resubmitted disputes ( requests for investigations and reinvestigations ) several times through the CFPB portal and Experian continually claims it is not being submitted by me even though I provide all the correct identifying information which includes but is not limited to my Driver 's License, Social Security Card, and recent Utility Bill in my name. If I try to submit these disputes via US mail, they get ignored by Experian. When it comes it submitting disputes via Experian.com, they do not allow you to dispute inquiries and so you can't submit anything. 
XXXX Experian, please process the dispute that is attached to this complaint. Failure to process the dispute and investigation ( including any reinvestigations XXXX requested will result in a lawsuit in small claims court. Thank you.
Product: Debt collection

back in XXXX I submitted request to validate the alleged owed debt reporting on my credit report. their reply was very misleading and I believe that this agency is collecting money from consumers who aren't bonded by contact to pay. I would love for you to take a look at my attachments as I hope it brings more clarity to my complaint. they are violating my consumer rights to privacy, as well as collecting unverifiable debt violating the fair debt collecting practice act pursuant title 15 chapter 41.
Product: Debt collection

THIS COMPANY SPEEDY CASH XXXX HAS REPORTED ON MY CREDIT REPORT AFTER MY BANKRUPTCY WAS FILED. ALL DEBT OWED SHOULD BE CLEARED IN MY CHAPTER XXXX. THE COMPANY NEEDS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT.