23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Subject : Formal Complaint Against PHH Mortgage Services Corporation Dear CFPB, I am filing a formal complaint against PHH Mortgage Services Corporation regarding their failure to provide accurate and timely information about XXXX mortgage loans I originated in 2006, as well as their inconsistent and unhelpful customer service. 

Here is the background of the issue : I originated XXXX separate loans with XXXX XXXX in 2006 : A {$140000.00} loan recorded in XXXX XXXXXXXX XXXX XXXXXXXX  under Doc # XXXX, Book XXXX, Page XXXX. 
A {$35000.00} loan recorded in XXXX XXXXXXXX XXXX XXXXXXXX  under Doc # XXXX, XXXX XXXX, XXXX XXXX. 
I was recently informed that these XXXX loans may have been merged by PHH Mortgage Services Corporation. 
Over the past four weeks, I have repeatedly requested documentation from PHH Mortgage Services Corporation to confirm whether the loans were merged. Unfortunately, the company has failed to provide clarity or accurate records, causing significant delays in my efforts to sell the property. 

Specific issues include : Inconsistent Information : Different representatives provide conflicting answerssome claim the loans were merged, while others insist they were not. 
Failure to Provide Documentation : Despite multiple assurances that I would receive the requested documents, XXXX sent paperwork for an entirely different property, which was irrelevant to my case. 
Excessive Delays : I have spent hours on the phone and followed up numerous times, only to encounter repeated roadblocks and confusion. 
This lack of transparency and accountability has caused considerable frustration, delayed my ability to sell the property, and wasted valuable time. 

I am seeking the CFPBs intervention to : Ensure PHH Mortgage Services Corporation provides clear and accurate documentation regarding the status of these loans. 
Hold the company accountable for their poor customer service practices and failure to provide timely and accurate information. 
Thank you for addressing this matter. I am happy to provide additional details or documentation to assist in your review. 

Sincerely,
Product: Vehicle loan or lease

A car that me and my grandmother owned. It was mine I was paying with proof. 

I got it XX/XX/XXXX for around XXXX dollars with a monthly note of XXXX. 

Me and my grandmother inquired during her XXXX treatments me just paying the car off early to avoid confusion but the bank is requiring the enter interest amount of another XXXX XXXX to do so. ( Not counting payments made. 

Unfortunately my grandma passed from XXXX XX/XX/XXXX so I went to get the car transferred under my name. 

During that process I realized the severity predatory car loan and wanted to take time to see if I could get lawyers or you all involved they repossessed the car for a missed monthly payment XXXX, XXXX and now XX/XX/XXXX before I could do so 3 days after my grandmothers funeral. 

My XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX VIN : XXXX Purchased on XX/XX/XXXX Stands with the bank as follows : {$1600.00} Principal Paid Remaining Principal {$14000.00} Only XXXX after it has been paid monthly for 2 years and 5 months. With no option to pay early without paying double the price or give me my car. 

Im out of a car and {$11000.00} dollars PAID. I should not have to suffer from being obligated to take on such a predatory loan or have no transportation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already tried reaching out to this credit bureau about fraudulent accounts that have been reporting on my credit and nothing has been done to solve this issue. There are still accounts reporting that do not belong to me and I want these items re disputed for further investigation. I was a victim of identity fraud and my personal information was used to open these accounts without my knowledge.
Product: Student loan

When I was in school my dad helped me apply for a loan. His friend was able to be my co-signer at the time. Once I graduated, my consigner began to harass me and bully me into releasing him from my loan. I tried to reach out to the company to make it happen but they said that I would have to wait 12 months before applying. Last month my co-signer sent me an email requiring me to remove him as my co-signer by XXXX because he is moving to XXXX and will not contact me. I told him that I have to wait 12 months and he became very angry with me and my family. I have been BEGGING the company to remove him or at least replace him with my dad ( who has offered to do so ) because of the constant harassment I am facing. I don't understand. I have been with this company for years and have always paid on time or told them if I loss my job and need to lower payment. I have a well-paying job and have autopay. Why can't they not ( just this once ) refrain from using their process and help me in a time of need and abuse. I am literally being mentally and emotionally abused by this person and need to remove him before something happens. I am begging my company to just do the right thing since he is moving to another country and won't even help me if something went wrong. Why won't they help me. That is why I have to each out to consumer finance for HELP!
Product: Credit reporting or other personal consumer reports

Equifax informed the XXXX XXXX XXXX they would delete a fraudulent account reporting on my my credit report and make corrections to the inaccute late payments they are reporting with by mortgage lender XXXX XXXX and did not make the changes on my credit report. 

My XXXX XXXX account is showing that I was late for the entire 2023 year. My mortgage was in a Covid forbearance during this time pursuant to the CARES Act. I WAS NOT LATE and the late months should be reporting as current. 

XXXX XXXX is a fraudulent account. I have a police report to support this. 

I disputed the above information on the XXXX website on XX/XX/XXXX and Equifax agreed to make the changes but never did. 

Additionally, Equifax agreed to delete a XXXX XXXX  XXXX account in XXXX and never removed the account. This account has also reached its statute of limitations of XXXX years and should be deleted based off that as well.
Product: Consumer Loan

I called my auto finance company and they refused to give me any of my own information. I asked for a proof of loan from them so I can get my bill taken care of and they refused. They are basically holding my information for ransom until I pay my bill.
Product: Debt collection

CCS Collections/Credit Collection Services of course knows they are not licensed to collect debts in XXXX, yet they are reporting debt I allegedly owe on my credit report, reporting 3 separate collection accounts. This company is an arm of The CCS Companies. I never had a contract with them for any debt and I do not recognize these debts, they should not be reporting at all on my report. I have tried disputing this with the credit bureaus and provided proof that CCS Collections of XXXX XXXX XXXX in XXXX, XXXX  XXXX is not licensed to collect in my state ; XXXX has removed them, but XXXX and XXXX refused. Additionally, they reported to the credit bureaus ( under the contact information for them on my report ) that they are in XXXX, XXXX, instead of XXXX, XXXX, which is odd. This company practicing debt collection in states they are not licensed in that require debt collectors to be licensed ( which XXXX  does ) is unacceptable and illegal. They are not following reporting requirements either, because XXXX and XXXX have 2 different dates of last activity. I will attach a screenshot of which states they are licensed for that shows that Maine is not included. I am not able to see the account number for one of the 3 collections they are reporting, but the other 2 account numbers are XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 30 days after i have not received a response yet. I feel ike im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it s plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those ilems from my credit report it has been over 60 days so they should be deleled promptly. I demand these accounts be deleted immedately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax dala breach and may have gol into the hands of the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

The Creditor were created to ruin the consumers LIFE and get paid.

I am so tired to complaining to you how unfairly the bureaus are. 

This time I am complaining about the number of inquiries they have tabulated for me. 

I am XXXX XXXX the person and XXXX XXXX doing business as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX How many inquiries am I allowed now? What's fair About that?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a have dispute its been well over 30 days and I have not yet received a investigation status or results. I also sent a copy of the Police reporting identity theft for the following items below : Address XXXX XXXX XXXX XXXX XXXX CA XXXX Address identification number XXXX Address XXXX XXXX XXXX XXXX XXXX CA XXXX Address identification number XXXX Account name SANTANDER CONSUMER USA Account number XXXX .... 
Recent balance {$34000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX these items are fraudulent and needs to be removed from my credit file immediately.its affecting my life and stoping me from low interest rates
Product: Mortgage

Mortgage company keeps increasing interest rate and late fees. My total current fees are {$2200.00}. I have not made late payments at any time.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX  To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated 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
Product: Credit card

One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I was surprise to realize that I have 1 " high Inquiry '' when I checked my XXXX XXXX account, this happened on XX/XX/2018 Apparently it was a Chase Bank U.S.A inquiry for a credit card, which was denied, and obviously my concern is that this can affect my credit score.
Product: Credit reporting or other personal consumer reports

I filed complaints about false information appearing on my credit report with XXXX, XXXX, and Experian. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than 60 days. Copies of every letter sent are attached below.

This business failed to mark this disputed account as disputed, in violation of FCRA 623 ( a ) b ).

605 ( c ) running if the last activity date on this account is reporting, and if the period has also been breached. when the most recent payment date ought to be displayed.

According to the FTC 's assessment, this company has persistently neglected to verify this collection account, thereby breaching FDCPA 809b.
Product: Checking or savings account

I used XXXX to get money before my pay day and it made my account negative {$26.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute of inaccurate information that is reported on my credit file. On XX/XX/XXXX, XXXX XXXX Account number XXXX was listed on my credit file. I disputed and it was under investigation. After investigation, Equifax removed it from my file on or around XX/XX/XXXX. On XX/XX/XXXX Equifax placed it back on my credit file. This needs to be removed immediately from my file. I have attached proof.
Product: Mortgage

I already have three previous complaints. The latest was XX/XX/. It would seem Truist has no intentions of correcting the issues. I will continue to make payments to " other '' options. There's no option for principle and interest payments.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Bank of America stating that my new account has been opened. 


On XX/XX/XXXX, I received a second email from Bank of America thanking me for interest in opening an account but theyre unable to do so online. The email then says I can get help opening an account at a local financial center Ive never tried to open any account or do business with Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID {$7700.00} to  XXXX    XXXX    X/X/2011    RECEIVED MY TITLE FOR A TRUCK FROM  XXXX  AND THEY PLACED INCORRECT IFORMATION ON MY CREDIT REPORT STATING THAT I HAVE A BALANCE OF {$560.00}.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely XXXX XXXX XXXX XXXX  leaving and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Equifax ... and XXXX of credit inquiries from XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX mortgage and auto lenders inquiries that I didnt authorize ... these inquiries should not be on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I closed an XXXX XXXX Account. I had been dealing with several issues of identity theft, related to my ex-husband 's theft of my credit cards and personal information. The bills for this card were not going to my address as a result of this. When I was alerted to the debt, I attempted to get the debt consolidated with XXXX XXXX XXXX, an organization I had been working with to pay off the debts accrued by my ex husband, in an effort to repair my credit. XXXX XXXX made it very difficult to consolidate under this program, even though I was able to do this easily with my bank, which had recommended the program as a legitimate non-profit debt consolidation ( not forgiveness ) program. 

I spoke to an XXXX representative and explained the situation to the individual on the phone, stating that I would pay off the debt in full, but that I wanted adverse information about the debt off my credit report, as I had not acquired the debt, nor had I received any indication the debt had been accrued, since the bills were not sent to my address. 

I agreed to a lump sum payoff under the understanding that this adverse information would be removed from my credit report. The cost was substantial to me, around {$10000.00}, but it was worth the price of fixing my credit and moving on from the debts accrued in my name. I was under the impression the individual I spoke with on the phone agreed to these terms. However, several months later, the adverse information is still on my credit report and, in fact, until last month, XXXX XXXX was still reflecting that I had not paid the debt, though I had done so more than a year earlier. 

I am very distressed by this situation, as the identity theft has severely impacted my credit score and made it nearly impossible to move on from my divorce and find a new home for myself and my children. I would like this issue resolved, and for further advice on how to remove other negative items on my report that have been the result of identity theft.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : 1. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX Date of inquiry : XX/XX/2023 4. XXXX XXXX Date of inquiry : XX/XX/2023 5. XXXX XXXX XXXX Date of inquiry : XX/XX/2023 6. XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian numerous times to remove old information and information that is not related to me. I have been a victim of identity theft multiple times due to inaccurate information and identity theft.
Product: Credit reporting

I constantly call this company to remove credit inquiry 's that I did not make for a credit cards and a car loan. I did not apply for a XXXX XXXX XXXX card or a XXXX XXXX credit card. I 've tried and tried to resolve this with there XXXX customer service department and to no avail nothing gets done!!!! I also have a inquiry from XXXX I did not authorize this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX Balanced Owed : {$3600.00} XXXX  XXXX XXXX Balanced Owed : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$18000.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

Dear Equifax Are you ready to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being I am aware of the rights under the fair credit reporting act and request a thorough investigation into these inaccuracies as required by federal law recently the consumer financial protection bureau file a lawsuit against experience for his way to properly investigate consumer disputes Signings, shame, investigations, and other unlawful practices. These practices as outlined by the CFPB.
Product: Vehicle loan or lease

I bought a vehicle from XXXX XX/XX/XXXX a XXXXXXXX XXXX XXXX, based on it still had XXXX or XXXX of manufacturing warranty still on it that they gave me in the paperwork when I bought the car. 

I've only had the car for 13 months and last month when I went in to get repaired, the dealership volkswagon says my warranty expired XX/XX/XXXX. I rechecked again today, volkswagon says the same thing and says carvana gave me wrong info and to call them. 

I called carvana today, senior representative in sales dept states he understands my frustration and sees that they should've had the correct info given to me. But they don't sell the manufacturing warranty, so there's nothing they can do. 

I told them you did sell me a car, and provided documentation of a car that still had warranty on it, that's a big reason I bought the car. 
He refused to do anything
Product: Debt collection

Wow sold a account that they are saying is mines but it is not to EASTERN ACCOUNT Systems! This account does not belong to me!!!!! I filed an identity theft report on this said account that is reporting on my credit report TWICE!! ( THAT IS ALSO ILLEGAL )