23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX my XXXX XXXX XXXX mortgage was sold to Carrington Mortgage with minimal notice. Upon transferring the mortgage that was in good standing and finally receiving the papers from Carrington Mortgage my loan was immediately anylized by their escrow department and my payment was raised. I called Carrington Mortgage and was told that the reason for the additional charges were because they placed an escrow coushion of the most charges allowable by law. I requested they remove it stating that XXXX XXXX XXXX did this every year but immediately removed it when asked. Carrington Mortgage  refused. Every month since then I have been repeatedly badgered with phone call after phone call every single month. 3-4 or more times per day every day shortly after the XXXX of each month. According to my loan documents my payment becomes due on the first but has a grace period of 15 days and that said, my mortgage is paid every month between the XXXX and before the XXXX. In XX/XX/XXXX, I received a paper in my statement saying that unless I set up automatic payment I would be charge for online payments or phone payments and as much as {$20.00} for a representative to process a payment. I initially set up auto pay and called several times to check to see if it was activated and it never was. On XX/XX/XXXX I spoke to a representative on the phone and it still was not set up. I voiced my concern and dissatisfaction about the whole forced auto pay situation and she told me that since I live in North Carolina I was exempt and they could not leagally charge me for a payment that I made online myself. I told her that it was never disclosed or explained to me in any of the previous calls I made and she said that they are not supposed to tell people that. Now I am being bumbarded with calls. Tonight XXXX I answered and the representative asked me a series of questions including asking if we still hold keys to and occupy the property. Again I have until the XXXX to pay my mortgage so I asked why he was asking the questions. He said my mortgage was late and I had to pay it with him over the phone. I told him that he could check the history that my payment have never been late and I already had the payment set up on line. He was extremely condescending and said do you know when your mortgage is do? I said of course I do and he said when? I said it it do the first and I have till the XXXX the to pay and have always paid b4 the XXXX he just kept repeating due when over and over. I told him that I was tired of the constant phone calls and badgering and I did not want them calling me again and that I had stated that already and hung up. I was so furious and insulted. The commission should XXXX the company and read the nightmare of reviews from hundreds of people that have had the same experience as myself. All from people who had no choice but to deal with Carrington because their loans were sold by XXXX XXXX XXXX and Other Banks. This company should be shut down!
Product: Debt collection

I have received repeated calls from a company claiming to be Alliant Capital Management. They have not disclosed what the debt pertains to, however have left voicemails stating there is a matter in their office under review. I am not stating I do not owe the debt, as I have gone through a divorce and am currently a single mother working XXXX jobs to fix previous monetary mistakes, however upon returning XXXX of the phone calls to the number given of XXXX with the case number of XXXX I was transferred to my case manager XXXX XXXX XXXX who would not identify himself. He became abrasive and stated that he was not going to tell me until I gave him my case number even though someone gave him this in the background and he used my name which came up from my caller id. He hung up on me after I asked again what company he was with. I called back and was given the company name and hung up on. I called again, gave the case number and was transferred to XXXX XXXX who immediately hung up. Called back and got the address. Upon XXXX XXXX I have mailed a formal cease and desist letter however this company has made threats regarding what type of action will be taken for failure to pay a debt. They have called repeatedly and it is in an attempt to harass and annoy. At this time I am looking to purse all of my rights under Colorado law for this unfair and poor treatment. After a reasonable Internet search and I am unclear as to whether the address given was even the correct address for this company so the letter sent may be represented as never received because of this. I was given the address by a gentlemen named XXXX XXXX.
Product: Credit card

quite some time ago possibly XXXX years I opened a united milage card with chasein XX/XX/XXXX iI opened a united mileage plus explorer card with chase which has more benefits i was told. I verbally asked to have the XXXX card closed. they did not close it as requested. in XX/XX/XXXX i realized i still had XXXX accounts and asked to have to closed and my mileage combined. i cut up my original card. i checked in XXXX XXXX and found united still had not combined milage which they said they would do. I few days ago got a new card from chase for the old susposed closed account and called chase getting he run around from XXXX and XXXX and a supervisor XXXX XXXX saying the card fees could not be refunded. I asked for her manager - she said none available but i would be called back next morning - next afternoon i had no call so again called for manager was told all busy and now would be called back in 3 days. XXXX card fees were taken out of my bank account even though only XXXX card was used. XXXX fees were taken out previous year as well. i wish XXXX fees refunded. 
My father is a retired XXXX XXXX. I am a XXXX times XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i started a dispute regarding to incorrect information been report on my credit report with follow up letters on XX/XX/XXXX and XXXX/XXXX/XXXX none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. 

please see attached all the letters i sent to this company Thank you!
Product: Vehicle loan or lease

The vehicle has been sold or auctioned off and the company has not reflected that amount, you have 15 days to remove or updated my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I do NOT have a middle initial the credit agency has my name listed with a XXXX  for a middle initial. That is false information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. 
Please block the reporting of any information in my credit file that resulted from alleged identity theft. 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

On the WV Unemployment card through Key Bank we had XXXX transactions XXXX for {$1000.00} and XXXX for {$280.00}. We reported it on XXXX XXXX as well as faxed the information to them to begin the process. We have not been given any information what so ever. They have been rude and not sensitive to the fact this was an unemployment card and took everything we have. We were told provisional money would be issued 10 business days from them reviving the fax .... Still nothing and when told about it they continue to say call back in two days of this takes time. We have financially struggled with borrowing money for bills and living expenses. We now are looking for help to know our rights on the process and where to go next.
Product: Credit reporting or other personal consumer reports

Subject : Removal of Unverified Accounts from Credit Report Details : I am submitting this complaint to request the removal of unverified accounts from my credit report. I have made several attempts to resolve this matter directly with the credit reporting agency, to no avail. These unverified accounts remain on my report, causing financial harm and negatively impacting my creditworthiness. 

Below is a timeline of my attempts to resolve the issue : XX/XX/year> : Sent notice requesting verification of the accounts. 
XX/XX/year> : Followed up with another notice, reiterating my concerns. 
XX/XX/year> : Submitted an affidavit of facts, which has gone unanswered. 
XX/XX/year> : Sent a second affidavit, which also remains unrebutted. 
XX/XX/year> : Issued a final notice to the credit reporting agency, but no response has been provided. 
Under the Fair Credit Reporting Act ( FCRA ) and 12 CFR 1022.21 - Consumer Opt-Out Notices, consumer reporting agencies are required to provide mechanisms to prevent the inclusion of inaccurate or unverified information and allow consumers to opt out of certain reporting when it can not be verified. Despite this, the credit reporting agency has failed to take the necessary steps to verify or remove the disputed accounts.

Step 3 : Highlight the Financial Harm and Legal Basis The unverified accounts are causing significant financial harm by : Impeding my access to fair credit. 
Undermining my financial stability. 
Creating undue stress and impairing my ability to make necessary financial decisions.

Pursuant to Section ( a ) of the FCRA and 12 CFR 1022.130 - Reasonable Policies and Procedures for Ensuring Accuracy and Integrity, the following apply : The banking system depends on fair and accurate credit reporting.

Inaccurate credit reports directly impair the efficiency of the banking system.

Consumer reporting agencies must ensure that the information they report is accurate, impartial, and respectful of the consumers right to privacy.

The credit reporting agencys failure to rebut my affidavits or verify the disputed accounts constitutes a violation of the opt-out provisions under the FCRA and related regulations. Furthermore, under 12 CFR 1022.140, consumer reporting agencies must establish adequate methods for investigating and resolving disputed information, which they have not adhered to in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX Account Number XXXX XXXX XXXX.

2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX. 
XXXX. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX  Account Number : XXXX. 

ALL has voilated 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 also states a consumer reporting agency can not furnish a account without my written instructions.

I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a monitoring service and noticed several accounts I did not open. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Bank, XXXX Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
My husband is upset with me thinking I opened these accounts and messing up my name thus his name. He is threatening to leave me if I don't get this off my name. Please help.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$29000.00} XXXX XXXX XXXX Balance : {$94000.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$94000.00}
Product: Mortgage

I reached out to PHH Mortgage Services back on XX/XX/2022 about having my PMI removed from my mortgage. They mailed me a form to request an appraisal and charged me {$150.00} to do so. I filled out the form and mailed it back to PHH with the check. PHH cashed the check and scheduled a property appraiser to visit my home to perform the appraisal. The property appraiser visited my home in XXXXXXXX XXXX ( I don't have the exact date, it was near the end of XXXXXXXX XXXX ) and performed the appraisal. Its been a month now, but they have failed to drop my PMI. I opened a case with PHH early XXXX to find out why it was not dropped quickly as it is clear my property has increased in value enough to drop the PMI. 

Ive emailed customer care at PHH on XX/XX/XXXX, but have not received a response. I emailed again on XX/XX/XXXX and again, no response. I called Customer Care just now, XX/XX/2022 and when I requested to speak to a manager, all of a sudden, they couldnt hear me. It took me over 6 minutes to reach a customer service representative, navigating through a myriad of options that kept sending me back to generic loan information. I had to enter my last 4 ssn numbers 3 times before I finally got to a representative. This is unacceptable. The voice response was unacceptable going through loops and the representative making excuse to not escalate my call to a manager.

I paid PHH for the appraisal, but they have failed to drop my PMI and several attempts to resolve the manner have failed. Customer service is terrible.
Product: Checking or savings account

I have a checking account with JP Morgan Chase Bank. I sent two faxes to them asking that the following restrictions be added to my account : - No online banking. 
- No online electronic transfers out of my account - No debit cards. 
- No authorized persons to handle my account besides myself. 
- All changes are to be done inside the branch only, not by phone or otherwise. 
- No online access, this includes, but is not limited to, the Chase app and online banking is to be blocked at this time. 
- I am only to receive deposits via online transfer. 

I went into a branch on XXXX XXXX XXXX. I spoke to XXXX XXXX who called customer service to tell them these things, however, since then, I have not gotten any communication ( s ) from Chase bank in the mail to confirm my request. The email that I have provided is a temporary email and after this communication I can not be contacted this way.
Product: Mortgage

In XX/XX/XXXXwe refinanced our home with XXXX XXXX XXXX, making bi-weekly payments throughout the years until XX/XX/XXXX. In XX/XX/XXXX we were advised our mortgage was being transferred to Select Portfolio Servicing ( SPS ) with no interruptions or changes to our current agreement with XXXX. However, in XX/XX/XXXX we contacted Select Portfolio Servicing ( SPS ) after noticing a payment had not been deducted from our bank. We were told at that point by SPS no payment was due until XX/XX/XXXX because we had overpaid XXXX. We requested to continue paying our monthly note and the " over payment '' be applied to the principal balance amount. We were told that was n't possible and the amount due in XX/XX/XXXX would be the daily compounded interest plus the monthly amount due, which will be in excess of over {$2000.00}. We have however continued to pay our monthly note only to have the principal balance increasing monthly. We have contacted several agencies to help with this situation only to be told unless we are at risk for foreclosure or behind in our payments we do n't qualify for any assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been challenging this bankruptcy for a very long time with XXXX and Trans Union. 
XXXX removed it but trans Union and XXXX keeps showing false information I thought that all 3 credit bureaus show show the same reporting as the other one this is stoping me from living my life just because it's false information on my report that's not far to me as a law, abiding American citizen
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 5 years, on or about XX/XX/XXXX each year, I have attempted to use the www.annualcreditreport.com website to check my free credit report with Equifax. My wife has tried to check her free report on the same day as well. 

In nine out of the ten attempts, Equifax 's website has told us that it is " unable to deliver our credit report online '' and has forced us to call or mail a request for the report instead. This error message always occurs after correctly answering a series of challenge questions to prove that we are the subjects of these credit reports. We have also verified that our credit files are not frozen at the time we request the reports. 

The paper reports are eventually delivered to our mailbox weeks later, but our area has a history of mail theft and I feel that this delivery method is significantly less secure than online delivery. Plus, I am trying to use less paper in my filekeeping and then have to scan and destroy the paper reports that are delivered. And the scanned copies then consume significantly more hard drive space than original PDFs would consume. 

I just want to be able to easily download a simple PDF of my credit report from Equifax 's once per year, like I am able to do with XXXX and XXXX
Product: Credit card or prepaid card

There were 2 charges on my direct express card from XXXX, one on XXXX and one on XX/XX/XXXX, both for the amount of XXXX. I called and spoke to direct express to dispute the charges and was told a packet would arrive in 3-5 days. Nine days later i recieved the dispute form and faxed it back immediately. I called to make sure that the information was received an was advised that it had been and that my claim had been denied for " general reasons ''. When I spoke to XXXX they told me that the card was being used by someone named XXXX XXXX and that I needed to cancel the card because they could not block it from being used again. The business that took my money knows that it wasn't me because the name on the account didn't match the name on the card, but the rude lady at direct express touted that " a very extensive investigation with lots of research '' was performed. When asked what was used to back up the denial she had no answer. She then began to repeat the decision is final over and over when i requested to speak to supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$56.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I recently made a payment of {$600.00} and that amount was from all the past due payments that I have previously missed. I eventually got caught up on all my student loan payments and stopped missing payments that were due. I am now caught up on all my student loans. I would appreciate if those late payments that are on my credit report could get removed, having those late payments on my credit report is preventing me from boosting my credit score. 
In accordance with 15 USC 1666 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Product: Debt collection

I discovered fraudulent accounts on my credit report that are harming my credit score.
Product: Checking or savings account

I Had a unauthorized payment taken from my checking account on XX/XX/XXXX from a checking account I have not used in months so I know it wasnt me. After contacting you on XX/XX/22 I was given the run around and told you had no power to access my money of XXXX XXXX I need this money immediately. I would also like to state that XXXX $ was unauthorized and taken from my checking account. XXXX XXXX dollar deposits were made from my new employer, and XXXX XXXX $ deposit was made yesterday. I was told again on XX/XX/22 that there was nothing they could do by affirm. On XX/XX/22 the creditor XXXXXXXX XXXX XXXX told me they had no power over it.
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt, Capital One Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX I do not have a contract with these collections. They did not provide me with the original contracts for the following companies Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I requested. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 
15 USC 1681-602A states I have right to privacy.

15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.