23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was having trouble with PHH mortgage regarding my escrow account. My escrow account keep going into the negative because of my homestead tax credit that I received. I contacted PHH several times to get someone to do an escrow analysis on my account. They did at least 6 analysis but couldnt find the problem. My mortgage payment kept fluctuating because of the problem. I even received a overpayment check because they said that I had to much money in the account. They problem was finally found out in XXXX of 2020 and it was found that they were given me too much of an exemption. It took them over 2 years to find the problem. When PHH found the error they sold my loan to XXXX Mortgage because they didnt want to deal with the error. XXXX  mortgage contacted them on my behalf several times but was informed that since the loan was sold that its nothing that they could do. I had XXXX mortgage do several escrow analysis for me and the knee it was a problem but they couldnt get PHH Mortgage to cooperate. I ended up selling the house and I had to pay for the escrow account negative balance which is wrong. Now XXXX mortgage is giving me the run around because theyre paid in full. Now XXXX Mortgage is telling me its nothing they can do and the issue is with PHH mortgage. Im stuck between a rock and a hard place. I need someone to help me rectify this problem.
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 und

er 15 USC 1681.

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

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX property tax will be due within a week. The due date is XX/XX/2023. 
My current mortgage is with Newrez and I have an escrow account with them. The balance for this escrow account is XXXX. I am very concerned about their escrow account. Their online reviews are very poor. They have a very bad reputation and they have a history for being late for paying propoerty taxes for their customers. 

I reached out to customer service On Friday, XX/XX/XXXX and Saturday XX/XX/2023. They stated that they would " open an case '' to " investigate the situation ''. They were unble to tell me how long this case will get resolved, or when they would pay for property tax. One of them even told me that I need to call back to check progress of the case. It sounds like I have to spend my own time to actively monitor their activities, or they will not take any action.

They forced their customers to open an escrow account, we make monthly payment to feed this escroew account, and they don't even want to pay for property tax unless we keep pushing them.
Product: Mortgage

In XXXX of XXXX I began the process for the Home Affordable Modification Program ( RMA ) Request for Mortgage Assistance due to a loss of employment the year prior which caused a lot of financial strain. The loa modification was complete in XXXX of XXXX. 

In XXXX of XXXX I reached out to Supreme Lending to try and do a cash-out refinance to pay off credit card bills and other pending expenses. The gentleman that assisted me in the process asked about the loan modification done in XXXX on multiple occasions throughout the process. I am by no means a mortgage expert so i trusted him in the process to guide me in the right direction. The cash out refinance was complete XX/XX/XXXX. 

In XX/XX/XXXX I received a letter in the mail from the US department of HUD stating there was a debt to be paid. I reached out to them directly and was not successful in getting in touch with anyone that could clarify to me why I had an outstanding mortgage debt if the only mortgage I had was my current home. Since I could not get a hold of anyone I reached out to the person that assistem me with the refinance but he never called me back. After a few more unsuccessful attempts to get clarification I reached out to a credit bureau to dispute the amount thinking it may be fraud. It wasn't until late XXXX when I was able to speak with someone from HUD in which they explained what happened. 

The loan modification done in XXXX split the amount owned on my home into two liens. The second lien did not have to begin being paid until the first one was paid off. This was able to lower my monthly mortgage payment to make it more affordable at the time. When the refinance was done in XXXX, only one lien was refinanced in the process. That triggered an early payoff on the second lien. I've consulted with multiple loan officers and they've all agreed that is not common practice. The person who was assisting me with the refinance should have caught that there were two liens on the home and advised me. I trusted in him and I feel he took advantage of that. 

I reached out to Supreme Lending in XX/XX/XXXX and have been dealing with a Compliance Specialist for their company. It is now late XXXX and have no resolution in the matter. I've emailed and called to try and get a resolution, but it feels like I'm getting the runaround. In the meantime, HUD has began to garnish my wages which is putting a heavy financial burden on my family and I.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bankruptcy XX/XX/20 This has already been discharged.on XX/XX/20 XXXX XXXX OH XXXX XX/XX/20. This already been discharged on XX/XX/20
Product: Debt collection

I fixed this debt with the collection agency prior t to this third-party collections and it was removed from my credit reports. Now this has brought it back on my credit reports I am asking them to immediately delete it. This debt have been paid in full in the amount of {$400.00} # XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance : {$2000.00}
Product: Credit card or prepaid card

Purchased 2 tickets from XXXX XXXX XXXX on XXXX XXXX XXXX for {$1300.00} each adding to {$2600.00}. Paid to the merchant from XXXX XXXX XXXX account. Never authorized to charge on credit card. When found charges on credit card on XXXX XXXX XXXX I asked merchant to return money which he promised he will. Waited for Merchant to return charges on credit card but this never happened. Created a dispute with Chase Bank on XXXX XXXX XXXX about these transactions. Case Numbers are ( XXXX, XXXX, XXXX, XXXX ). Provided necessary documents ( Bank transaction proof with merchant ) to Chase Bank to substantiate claim to reverse the transaction. Chase came back with invalidating my claim and keeping charges on my account on XXXX XXXX XXXX. 

These charges on credit card are invalid charges and never authorized by me. Merchant fraudulently put a charge on my credit card after I transferred him money from bank. Credit card charges needs to be reversed. Merchant name is XXXX XXXX. Last known address of business XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. Last known contact number XXXX XXXX XXXX XXXX XXXX. Merchant is not responding on phone for some time now.
Product: Credit reporting, credit repair services, or other personal consumer reports

My life has been turned upside down. 
Last year on XX/XX/2017, I notified XXXX XXXX of the theft of my identity. 
I need them to completely follow the law and remove the negative accounts that are on my credit profile that were a part of the crime of identity theft that was perpetrated against me. If you want to hear something horrible ... I did not know there were agencies and institutions to help us citizens. I actually drained my saving attempting to settle debts that were not even fine ... Being that no harm was done financially to the creditors that own my compromised accounts..the least they can do is quit harming me. 
I did not rack up the debts but I negotiated a settlement with each creditor because I just simply did not know any better. I am sorry I am stupid. Please help.
Product: Credit reporting or other personal consumer reports

Im writing you today to make a complaint against Equifax Information Services LLC. I have tried several different monitoring sites and spent a lot of money paying those sites and I can not see my report.
Product: Student loan

XXXX Department of Education just sent an email stating I missed a payment when my loans are in borrowers deference and currently under forbearance until full discharge. Mohela is the servicer of the loans and is currently reporting incorrect information.
Product: Credit reporting

I lodged a complained against XXXX XXXX XXXX regarding a phone service and I was due a response regarding this matter. My bill was sent to collections and now, I am outraged and would like to find a solution.
Product: Student loan

Facts, under the original PSLF program I have worked for a nonprofit for XXXX XXXX XXXX of them full-time made XXXX payments and shouldve been discharged already. However, I consolidated under the Biden terms that we were all supposed to adhere to last year, if not earlier, and I still have not had my debt discharged. Again under normal PSLF terms I would have already. The company asked that I re-verify my employment, which correct me if Im wrong I thought that was a simple phone call of my employer however I did as they asked and re-verified the employment on a document. They then said its 45 days from the date of submission of requested documentation that they would rebalance my payments to reflect the XXXX and that should be enough to complete discharge. However, this last time I called the person that I talked to said oh, it might take an additional 1 or 2 years before we can discharge any debt and you will have to pay until this happens. my problem with the statement is I already qualified for discharge based under the original requirements of a PSLF program and should not have to pay in an additional two years because they are behind on processing if I met the requirements? Please help.
Product: Checking or savings account

on XXXX 2011 Wells Fargo XXXX me out of XXXX when they opened up an account in me and my husbands name. 

We fought hard, but they would not budge. Me and my husband live paycheck to paycheck so that hurt. Ended up borrowing money because of this. 

Now I found out they did this to other customers, not just me and my husband. I see it all over the news We ended up leaving Wells Fargo because of this. 

We were out XXXX because of there employees XXXX XXXX. Then my account ends up being frozen. It was a mess. 

I can not stand Wells Fargo what they did to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them three 609 letters disputing ask them to remove the bankruptcies and liens off my report ... I also sent a letter asking how they verify account informantion they said through the bankruptcy court Or XXXX XXXX. I have a freeze and my records suppressed with XXXX XXXX ... the bankruptcy courts said they do n't verify bankruptcies
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

On XX/XX/XXXX, I accidentally sent {$1000.00} to Nissan Motor Acceptance Corp/nissanfinance.com. It was intended for my mortgage company, XXXX. I caught it the next day. I called XXXX ( my checking account ) asking if they could put a stop payment on it but they could not. On XX/XX/XXXX, I spoke with XXXX in Nissan Finance, XXXX. She said the system will reject the epayment and send it back. I spoke with XXXX again and was told they would open a recovery claim. That didn't help. On XX/XX/XXXX, I spoke with " XXXX '' at Nissan Finance. He said there was a note in my now closed account stating the {$1000.00} was returned/rejected on XX/XX/XXXX. I spoke with XXXX a few more times to see if the amount was pending and it wasn't. On XX/XX/XXXX, I spoke with " XXXX '' at Nissan who also told me the payment would have been rejected. I went to my XXXX bank today and was told Nissan had accepted that payment. I have proof of payment which I will attach. I realize this was my error but I need that {$1000.00} returned. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of identity theft resulting from a data breach. 
Unauthorized accounts have been fraudulently opened in my name. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be immediately blocked and permanently deleted from my credit report : Fraudulent Accounts : 1. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to place a formal complaint against Equifax for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Equifax said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Equifax is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Product: Credit reporting or other personal consumer reports

I placed XXXX order back in XX/XX/2022. Phones were purchased and than returned to XXXX immediately in upcoming days. XXXX refunded the whole amount to me. Later after few weeks XXXX bill showed up for {$82.00}. I called and XXXX removed {$82.00} as order was returned and balance was XXXX. Since 2022 XXXX account XXXX on my credit report show as paid after payment late/collection account. This is absurd. This account should not even be on my report as this account was closed due to me returning the order and XXXX made me sure balance is XXXX. I have attached order detail which show order place confirmation and refund confirmation. I would like to request credit bureau to remove this account from my profile immediately. This does not belong on my credit profile by any means. Credit bureau should contact and they will says no balance is due and no balance was ever paid because this order was returned to them. So please remove this XXXX wireless account ending in XXXX effectively immediately. Look up for attached order /account details for more info. There is only XXXX XXXX account on credit report. So remove it. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT CT CA XXXX XXXX, Amount {$0.00}. I have no knowledge of this public record and don't live in California. I have stated this with XXXX, XXXX  and TransUnion.
Product: Credit reporting

To whom this may concern : I recently received a copy of my Equifax credit report. I 've submitted a dispute to Equifax to remove inquiries off my credit report. I understand it should n't be allowed to put inquiries on my file unless I have authorized it. During my first and request Equifax stated, " They did n't receive my request to remove any inquiries and/or information. However, I 've submitted these disputes electronically and through certified mail. During, my third request Equifax stated, " The unauthorized inquiries were factual, and I should contact the reporting companies. '' However, I 've contacted the reporting companies for request for removals and I 'm getting no answer. Please have Equifax remove the inquiries from my credit file because it is making it very difficult for me to acquire credit. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 

Thanking you in advance, XXXX XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX XXXX ( account # XXXX ) Date opened XXXX XXXX, XXXX XXXX XXXX ( account # XXXX ) Date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX ) date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX ) date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX ) opened. This account ( s ) has resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Debt collection

This debt collector emailed me, then 2 mins later repeatedly called my phone non stop. They are trying to collect on a debt that was written off by the original company. I explained to them I have never signed any contract with their company which is Atlantic Recovery Solutions LLC nor have I ever went into a contract with XXXX XXXX XXXX. He sent over a contract that reference a different address than one I have ever lived at which is also different from whats on my license. He also sent over a page that has a signature that isnt even my signature and does not match my drivers license it looks to be an automated signature. This company is trying to pin a dent on me and are harassing me to do just that please see attachment with how they call back to back. I have also filed a complaint on XXXX and sent this along to a lawyer who sues debt collectors
Product: Debt collection

the Kohn Law Firm at XXXX WI XXXX, has many attorneys, I sent a written cease of communication notice, because I do not deal with 3rd party collection agencies. the 1st atty sent me a fake summons to a real court, I found out it was fake when I contacted the court they did not know anything about it. Then the next atty ( I assume XXXX all I have is the name XXXX on my answering machine ; that calls me once a day for the last few days. I sent each attorney written cease of communication notice. I guess they r pretending that they did not receive them because I did not send them certified mail.