23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

CFPB Consumer Financial Protection Bureau, In XX/XX/XXXX, I was laid off from my job and this created a bad financial situation with my family 's finances. So we started to be late on our mortgage. So at that time till recently I have been trying to settle with my mortgage about a loan modification. My original company Ocwen Mortgage company. During my modification time period, Ocwen sold or our note to the PHH Mortgage company. But now XXXX is my mortgage provider under PHH. This has created a lot of confusion in the loan modification process. I have received conflicting letters of the same date but with different content. One stating that my loan modification can not be reviewed and the other letter asking for more documents to further the review. All dated the same. And then a certified letter stating a foreclosure date has been set. So I have been in many discussions with PHH Mortgage and there assigned mortgage assistance managers. It sounds like a call center in XXXX. Anyways since my loan mod has been so mismanaged I have complained to my mortgage company and they have stopped the foreclosure date 4 times since this has happened. On XX/XX/XXXX - I turned in a Brand new Loan Modification Application with an updated financial statement to my mortgage company. Since my job loss, I went through a personal bankruptcy with Chapter XXXX. This left me with no unsecured debt. And with this new financial application, I was able to prove that my XXXX XXXX which I started in XXXX is profitable and showed PHH with my P & L  statements to show that I was bringing in {$4500.00} a month personally from my XXXX. And also showed them my personal deposits. The P & L statement showed I was {$47000.00} in the Black with my XXXX. On XX/XX/XXXX - Mr. XXXX XXXX - My assigned account manager - told me that my P & L was not satisfactory for the underwriters. So he told me what the format was on how to prepare the P & L. I was confused by this because it showed too many expenses and that was different from my P & L in terms of profitability. On XX/XX/XXXX - I called Mr. XXXX to call me back no return call. On XX/XX/XXXX - I called Mr. XXXX to call back On XX/XX/XXXX - Letter from XXXX  XXXX  - that my documents will be reviewed On XX/XX/XXXX- Letter From XXXX  XXXX  - Document due date XX/XX/XXXX - please submit most recent bank statement XXXX income XX/XX/XXXX - Letter from XXXX  XXXX  - Stating my mortgage application was received and next steps On XX/XX/XXXX- Letter from XXXX XXXX  XXXX - about foreclosure date set on the house XX/XX/XXXX Please CFPB Rep, help me with this loan modification, please. My original company Ocwen sold this note 2 times and it seems that my loan modification application is not getting the attention that it needs. And so many different companies working on this it seems that one company is foreclosing it and the other company is trying to process a loan modification application. I have many more details and have this all documented. With emails, letters, and conversation noted by date. Sincerely yours, XXXX XXXX XXXX
Product: Checking or savings account

I opened this account to deposit money, earn an opening credit, and receive monthly interest. When I recently logged in to check the interest earned for tax purposes, I was shocked to discover that Citi had not paid the interest but instead paid themselves {$12.00} per month without my permission. They never sent any notice informing me that they would be removing these amounts from my account. 

There is absolutely no excuse for Citi to pay themselves for the luxury of using my money and thinking it's acceptable to hold my funds without paying interest. They are not entitled to free money. They must pay for the right to borrow my hard-earned money. 

Citibank must immediately return the money they have stolen from me and pay the interest owed on the money that was in the account. They have been engaging in this unethical practice for a year and have failed to pay the interest that is rightfully due to me. This is completely unacceptable, and I demand that Citibank rectify this situation without further delay. 

The account number is XXXX XXXX XXXX and the original billing address was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Product: Vehicle loan or lease

I paid {$1000.00} towards my auto loan on XX/XX/XXXX. I then contacted TD Auto Finance on XX/XX/XXXX to make certain this would not affect my next scheduled Auto draft payment on XX/XX/XXXX. I was told by the representative that because I had overpaid, the next payment would not draft as scheduled. I then requested that the extra amount I had paid on XX/XX/XXXX be applied to principal so that the payment of {$400.00} due on XX/XX/XXXX would draft as scheduled, and the representative said he would take care of that. My payment never drafted, and upon calling the automated system it also appears that my extra payment was never applied to the principal. This is also in addition to all of my contact information being entered incorrectly when I opened the account. I had called in XX/XX/XXXX because I had not received a statement since XX/XX/XXXX, and found out all of my contact information was incorrect, and that I had been in arrears with no knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute letter to Equifax via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX ), and I asked Equifax to delete or remove 2 negative accounts from my Equifax credit report because these accounts were reporting inaccurate information and in violation. A ) XXXX XXXX ( collection account ) is reporting 120 Days Late. B ) XXXX  ( charge-off account ) Date of Last Payment is inaccurate across Equifax XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XX/XX/XXXX . Almost three weeks later Equifax responded that XXXX XXXX was not reporting to my Equifax credit report and XXXX  account was accurate. Both answers were incorrect which means that Equifax is NOT investigating my disputes. 

On XX/XX/XXXX after I received the " dispute results '' from Equifax I sent a second dispute letter via certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX ), disputing the same accounts that I disputed on XX/XX/XXXX, this time I disputed that XXXX XXXX ( collection account ) is reporting {$3000.00} Past Due, Late Payment and 120 Days Past Due. XXXX ( charge-off account ) was reopen in XX/XX/XXXX because the payment history shows OK under the Equifax payment history, and this account continues open on today XX/XX/XXXX. XXXX  account is missing the required notice of dispute and that means that Equifax is not investigating my disputes. 

Equifax responded to my second dispute stating that both accounts were accurate. 
I want that Equifax delete these inaccurate accounts from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I paid my mortgage off with XXXX XXXX XXXX and they swear they have reported it as paid in full and closed but all 3 credit bureaus have refused to reflect this information on my credit report. I have called and called and checked my report and still hasn't been updated on my credit report. If someone is going to be given permission to manage and basically give everyone a report card on my credit and loan status 's then they need to be just as prompt as they are to report a collection. It is very unethical to be biased and one sided when it comes to reporting someone's actions on their credit report. There very quick to report a collection or a hard inquiry but are VERY slow if they do at all to report good standings and account playoffs. As we strive very hard to pay our loans off they should work just as hard to keep our reports promptly accurate. In fact, it's kinda unethical for a country that's XXXX dollars in debt with poor credit to give us a credit report but if they are going to do so they need to be prompt, accurate, and more transparent with the consumer. Ethics Code of Conduct and Compliance has been COMPLETELY ignored and Violated in this case. I've also disputed this innaccurate balance information with the bureau 's multiple times with results of defiance. I'm gon na continue to climb the ladder with this until it gets reported accurately on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went on to my credit monitoring site and noticed that there or some incorrect accounts on my credit report the accounts or convergent outsourcing in the amount of $ XXXX the date is XX/XX/XXXX that account is on my XXXX, XXXX and my XXXX  as well then its another account that just on my XXXX  and it is XXXX XXXX XXXX in the amount of $ XXXX date opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act. to conduct a reasonable investigation of the disputed information on my credit report. Leaving unverifiable and inaccurate information unresolved. The CFPB has recently filed a lawsuit against experian, for allegedly systemic issues. Such as failing to forward consumer provided evidence to furnish, accepting unreliable responses, and failing to notify consumers of dispute outcomes. These failures align with my experience with Experian. Experian has XXXX corrected or remove the disputed items off of my credit report.
Product: Payday loan, title loan, or personal loan

this company continues do take funds out of my account a day early causing my account to be overdrawn. I have reached out several times about fixing this and was told it wont happen again only for it to happen again today. this time they took XXXX a day before my payday. I have screenshots of each time they have done this.
Product: Debt collection

XXXX with VS card rep for re payment many times due to loss of XXXX XXXX XXXX  and not having enough money at the time due to other bills. Explained I'm a single mom w/ two child juggling bills and will pay, couldn't set up a time since I wasn't sure how income would be, tried to cancel card, and wouldn't. 

Called on different numbers- didn't answer XXXX Date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX am XXXX XXXX XXXX a, Spoke w/ rep dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX am XXXX XX/XX/XXXX XXXX pm Other potential spam number can't remember if VS related XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XXXXXXXX XXXX didn't answer XX/XX/XXXX XXXXXXXX XXXX  spoke with XX/XX/XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX didn't answer XX/XX/1855 XXXX XXXX XXXX XXXX  didn't answer also informed them I knew they only could call x amount of times- found this information to confirm and now sending complaint to you. Please help thank you. 
How many calls from a creditor is considered harassment? 
seven times The debt collector is presumed to violate the law if they place a telephone call to you about a particular debt : More than seven times within a seven-day period, or. Within seven days after engaging in a telephone conversation with you about the particular debtXXXX  XXXX, 2023 When and how often can a debt collector call me on the phone? 

Consumer Financial Protection Bureau ( XXXX ) XXXX XXXX XXXX XXXX XXXX 

( I was wrong about some of the information and over whelmed with the calls which caused me XXXX and other mental health issues )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report I noticed that someone has access my personal information. I noticed that I have multiple inquiries on my credit report from XXXX  XXXX on XX/XX/2022, XXXXXXXX XXXX  XXXX on XX/XX/2022. I have no knowledge of what or who this could be.
Product: Credit card or prepaid card

I do not have records in front of me. They are contained in emails sent by Discover. I used this card quite a bit at first, and decided to create an online account so I could see why my balance increased suddenly by a few XXXX dollars. I found XXXX fraudulent charges-1 with XXXX XXXX Glasses, and another charge for a optometrist that did not happen. I watched my account change before my eyes... However my balance was still extraordinarily high. 
I closed the account and Discover said they did not see this at all. 
I changed my payment to auto-pay for {$100.00} a month until I saw my balance was in the {$400.00} range. 
I decided to drop my payment to {$50.00} per month, and saw that last month, instead of reducing my balance, instead it increased to the {$500.00} range. 
Before finding this out, I tried to re-open my account since I now have a new raise and a job with the city. 
Discover rejected my application and added extra interest... to me, it seemed like a COERCIVE ATTEMPT TO PERSUADE ME TO PAY THE CARD OFF AT ONCE ... INTIMIDATION. 
I have had persistent problems with Account Execs who do not have the skillset vocabulary to know the difference between earning interest vs. being charged interest. I could not get them to give me the actual amounts either.
Product: Debt collection

Attended XXXX University XXXX in XXXX 2014, under the impression by accepting the " financial award letter '' that my schooling would be taken care of by a student loan. However, then this past XXXX, they began demanding payment in full. Including taking my XXXX tax refund. They have now began calling from the debt collector and I have asked for an attorney to assist me. I attempted contact a couple times via email, and had no success. The latest email from XXXX, and XXXX, had been pretty blunt and straight forward a blow off. On entering the school originally, I know that other students personally had problems with Al in financial aide returning or acknowledging communication. Had I been able to affor books this last year I would have went back, but was unable to. Amen I did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my balance of {$460.00} to bring the account current to make my credit available balance to {$1000.00}. This payment was made before the statement date so that it would reflect account paid in full for the XXXX reporting to the credit bureau. I called avant and asked why was my account reported XXXX weeks earlier than its suppose to report I was told they dont know and that my score would report around the XXXX or XXXX of XXXX. Its now almost XXXX and my credit report still was not corrected to reflect that account was paid off before my statement date for XXXX. My account should show paid off in full for the XXXX reporting to the credit bureaus. So because they reported my account XXXX weeks later it doesnt show my account with the payment I made.
Product: Credit reporting, credit repair services, or other personal consumer reports

For 5 years, Experian and XXXX XXXX XXXX XXXX have yet to give me a copy of the permissible permission used to access my credit report on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I am disgusted with Care Credit. They closed my account with absolutely no notice, and it happened to be the very day I needed to use it for a medical bill. I have been an excellent customer ; I have never missed a payment, and even paid off my entire balance a few months ago. After doing some research, I found that they often do this to customers, many of whom were in far more dire positions that I. People use Care Credit because medical care is inaccessible and unaffordable in our country, and many of us depend on it in order to get necessary medical/veterinary care. For many, closing this account with no reason or notice could quite literally jeopardize someone's life. I'm horrified that a company with " Care '' in its name values its customers so little.
Product: Credit reporting or other personal consumer reports

Demand Deletion I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presum that no proof of the allege debt, nor therefore any such debt, in fact therefore exists XXXX : XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX. Account : XXXX XXXX XXXX Account number : XXXX XXXX. Account : XXXX XXXX XXXX Account number : XXXX Balance : {$1500.00} ( Collection ) Accounts doesnt belong to me remove immediately if you cant show proof of the original contracts with my signature agreeing to accounts with the creditors also step by step explanation on how you guys were able to verify that the accounts belong to me if i never signed any contracts with the original creditors listed above XXXX removed the accounts listed above off of my credit report how the XXXX were you guys able to magically verify an account that I never open belongs to me
Product: Debt collection

this to inform about a false derogatory mark on my credit history. The company receivable performance has added a derogatory mark saying that I owe {$720.00} to XXXX. However this is a false accusation, I do not owe anything to XXXX I paid this account in full in XX/XX/2016 and closed the account. Here is the further explanation below Receivable performance has never made an attempt to contact me either by phone, text, email, mail. Absolutely no communication at all. 

I closed my account with XXXX around early/mid 2016 after full payment was made. 

XXXX XXXX never communicated to me that a balance is due ( which I don't believe so ) despite having my email address, mailing address, and phone number. 

I went to T mobile stores multiple times during the week of XX/XX/XXXX to XX/XX/XXXX, to find out what is due on my account and an explanation of the charges, they do not have anything. They couldnt show me any evidence that I owe them money Account was closed 6 years ago and what were they doing for the last 6 years? No attempt to communicate this, no proof that my account has a pending balance. 

I need an explanation for why/what I owe them money? Why have they not reached out to me since 6 years?
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Equifax, This complaint is in regards to many inaccuracies on my Equifax credit report dated XX/XX/2023 that need to be corrected. 

Attached to this complaint are : - My drivers license- shows my identity and address - My written complaint detailing each incidence with proof Please have these corrected as soon as possible.
Product: Money transfer, virtual currency, or money service

I placed an order, through PayPal, on XX/XX/XXXX. Prior to placing the order, I communicated with the merchant to ensure I would receive the correct item as they had previously sent me the incorrect product twice. Due to the two prior defective shipments, I had to utilize expedited shipping to receive the merchandise in time for my event. Their dispute process merchant agreed to shoulder my shipping costs due to the repeated errors on their part. 

I received the item, but it was not as described. I ordered a XXXX XXXX XXXX  and received a XXXX XXXX XXXX. I submitted a request for full refund, also through PayPal, on XX/XX/XXXXXXXX XXXX 

I returned the product to the merchant via UPS on XX/XX/XXXX via the merchants QR code, scanned at the carrier facility. I received a drop off receipt. Tracking details indicate that the item was received at the merchants US warehouse on XX/XX/XXXXXXXX 

I have provided proof of shipping and delivery to PayPal Customer Service on three dates : XX/XX/XXXXXXXX XXXX XXXX XXXX and XXXX XXXXXX/XX/XXXX. As of today, PayPal is requesting tracking details again. 

Their dispute process offered a full refund of {$120.00} ( including expedited shipping fees ), but requested that I send the merchandise to a different, international address AFTER the returned product was already in the merchants possession. 

PayPal is now giving me the run around and only applied a partial refund to my account. This transaction is part of a credit agreement with PayPal and activity is reported to Credit Reporting Bureaus. The agreement is for four ( 4 ) payments of {$32.00} USD. I paid 1of 4 on XX/XX/XXXX. Currently, PayPal has applied credit for 50 percent of the transaction, or two additional payments. As it stands, I will have to make an additional, future payment and I will not receive a refund of amounts already submitted if PayPal does not apply the full refund. I would like a full refund of all charges immediately to bring this matter to full resolution and receive a refund of the amounts I paid on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mines, not sure if they are mixed up with someone with a close name or just an clerical mistake ..but please remove these accounts immediately. 

1 ) XXXX XXXX {$1000.00} 2 ) XXXX  XXXX  XXXX {$83.00} 3 ) XXXX XXXX 4 ) XXXX/ XXXX  5 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect information on my credit report 3 times and Equifax has not did anything to investigate or remove those items from my report. I have gotten no response from any of my disputes. I need an address removed that does not suppose to be there as well as some accounts that are not mine needs to be removed. I disputed once again with Equifax and I would like to receive a response of my disputes within 15 days since it took numerous times to dispute these items.