23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In late XXXX, XXXX purchased PHH Mortgage, and I received a notification that PHH would be taking over the processing of my mortgage payments. I was advised that no action was required on my part and that electronic payments and processing would continue as normal. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX that my mortgage was 2 months past due. I confirmed with my bank that there was disruption in the automatic withdrawals from my bank account. The most recent bi-monthly payments of {$660.00} and {$660.00} were withdrawn from my bank account on XX/XX/XXXX and XX/XX/XXXX, respectively. Another payment is scheduled for processing on XX/XX/XXXX. Again, I was told that I didn t have to do anything when PHH took over my mortgage from XXXX. I logged in to my account on the new site and I did not see anything describing my mortgage payments as past due. 

I contacted the company by emailing them through their website and received a very weak response. 

Here is the response in full : Dear Mr. XXXX, Thank you for using our email service. 

I understand your concern. Our records indicate that you are set up on bi-weekly payments and the account is current and due for XX/XX/XXXX. The loan was still in the transitioning period. The letter was dated XX/XX/XXXX. The XX/XX/XXXX payment was received and posted on XX/XX/XXXX. The XX/XX/XXXX payment was received and posted on XX/XX/XXXX. Please be advised we are unable to assess any late fees or negative credit reporting until XX/XX/XXXX so your loan is in good standing and everything is up to date. 

If you have any further questions or concerns, please let us know. 


This demonstrates PHH 's inability to accurately serve its customers, which is a similar problem I had with XXXX. In fact, XXXX adjusted the principal balance on my mortgage as part of a class action settlement in XX/XX/XXXX. Unbelievably, they weren't able to handle that adjustment correctly either, as negative adjustments ( i.e. increases ) to  my principal came on to my account status. I was told these were " errors '' ; I submitted a compliant to the CFPB for this matter previously. I reviewed XXXX 's response and, while I am not certain, I think eventually my principal adjustment was fixed. 

XXXX, and now it's subsidiary PHH, have consistently demonstrated a lack of competence when dealing with its customers. They can not even handle the most basic of situations. I have been paying electronically since my mortgage started in XX/XX/XXXX. I have never missed a payment, never switched banks, or anything like that. Yet, first with XXXX and now with PHH, the companies have demonstrated that they do not deserve the public trust and should be sanctioned and financially punished by the CFPB to motivate them to get their acts together.
Product: Debt collection

USAA FSB {$96000.00} XX/XX/year> Ive contacted them on several occasions to let them know that my identity was stolen. I put out a police report to let them know to please take this off of my credit. It is fraudulent. It is not mines.
Product: Debt collection

I recieved a letter in earlyXX/XX/XXXX from Transworld Systems Inc ( TSI ) regarding a debt collection on behalf of XXXX. No information was given in the initial communication regarding the incurrence of the debt, just that a balance was owed.

I responded in writing on XX/XX/XXXX requesting additional information. When I received no further communication three weeks later I called TSI 's toll free number. I was told that my written response was not received, but was given the date of the original XXXX  service in question. I asked that those details be sent to me.

I received the next communication from TSI approximately one week later which included an invoice from XXXX. This was the first time I had seen anything from XXXX  stating a balance was owed.

I did recognize the shipment date from late XX/XX/XXXX ( less than three months prior to receiving first notice of debt collection from TSI ) and information as being valid, and although I had not received any communication from XXXX  before, during, or after delivery regarding a balance owed, since the amount was less than {$40.00} I then made arrangements to have the balance paid.

Upon logging into the TSI website ( XXXX XXXX XXXX ), I found a pdf of another communication from TSI dated XX/XX/XXXXwhich states : " We have not received a response regarding your past due account ( s ) with XXXX XXXX XXXX XXXX . Previous attempts by our office requesting that your account ( s ) be resolved have been unsuccessful. Please contact our office to make arrangements to resolve your account ( s ). Thank you. '' This is concerning given that I had provided written response in late XX/XX/XXXX and made a follow up phone call in early XX/XX/XXXX. Given the questionable business practices to date of both XXXX and TSI I did not feel it would be in my best interest to continue to dispute the claim, and given the small amount, decided to process a payment in full on XX/XX/XXXX. However, these small amounts can add up, and I believe these companies are defrauding consumers.
Product: Debt collection

A collection agency, XXXX XXXX XXXX, fraudulently re-aged a past due debt, making it look like the account became delinquent later than it did. The account has actually been past due in excess of seven years and is also required to be removed from my credit report by law. I have filed disputes with the respective credit repositories -- but the continue to be listed as negative / outstanding item on my credit report due to the collection agency fraudulently re-aging the debt.
Product: Mortgage

RoundPoint Mortgage bought our loan from XXXX XXXX between XXXX and XXXX XXXX. I have not recieved our escrow anaylsis from RoundPoint Mortgage. A check was mailed to us for {$1100.00} and only said escrow overage. Like any american family, that money was used for other bills. All along our monthly payment amount has remained the same {$1500.00}. I have not reiceved any notices saying my taxes have increased or that my homeowners insurance was dropped from my escrow account. Today I am called by my homewowners insurance saying I owe them {$870.00}. I called RoundPoint, they admitted to boarding my loan incorrectly from when they purchased it from XXXX XXXX, but said the money is being used to go other expenses. How did my taxes just happen to go up the exact amount of what I was being sent to XXXX insurance previously? I was on the phone for two hours with different stories and representatives talking in circles. Some admit it was their fault. I was told my loan amount will increase to make up for the difference of them sending payment today out of my escrow account to my XXXX insurance in the amount of {$870.00}. Why was that amount sent to me? Where is my money really going? No one can give me straight answers. I would have had to have paid points at closing to drop escrows. Or if my taxes increase I should have recieved notification from RoundPoint saying my monthly payment amount was going to change. Also, no one at RoundPoint could tell me what my new tax amounts were. Breakdown of previous payment : {$1500.00} total monthly payment {$65.00} XXXX XXXX {$90.00} Mortgage insurance $ XXXX XXXX taxes {$51.00} city taxes {$1100.00} P & I Breakdown of new payment : {$1500.00} total monthly payment {$0.00} XXXX XXXX {$90.00} mortgage insurance $ XXXX XXXX taxes {$31.00} city taxes {$1100.00} P & I If my payment amounts changed, i should have been notified. Also if my taxes went up then why did they refund me for " an overage in escrow account. '' They are not in compliance with customer notifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX}
Product: Credit reporting or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX  document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX XXXX XXXX XXXX  on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXXXXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I opened an investigation to dispute unverified collection accounts reporting on my credit report with the Equifax credit bureau. I disputed XXXX XXXX ( account # XXXX ), XXXX XXXX ( account # XXXX ), and XXXX XXXX ( account # : XXXX ). I Mailed a request for validation to the 3 collection agencies and received nothing from them. I also sent a second validation letter in XXXX and received nothing from the 3 Collection again. XX/XX/2020 I disputed the same 3 collections with Equifax again because the account was deemed verified in XXXX and I receive nothing in the mail about the dispute results or the investigation being open. a second time I received nothing from Equifax in XXXX about the dispute results or that they even started an investigation and I received nothing from the 3 collection agencies after sending a second validation!. So how is it that Equifax was able to verify these accounts? contacting the cfpb to see if they can get Equifax to do a thorough investigation and remove the 3 collection accounts if they are not verified. Thanks
Product: Debt collection

Portfolio Recover Associates is reporting a collections account on my XXXX, XXXX, and XXXX credit reports. On XXXX/XXXX/XXXX I sent them a letter asking for verification of the debt. They sent a response letter stating that in a previous letter they had asked me for more information but I never sent it. I never before received a letter, email, or phone call from them requesting additional information. On XXXX/XXXX/XXXX I sent another letter requesting verification of the debt, which they responded with a letter saying in a separate letter they sent me a request for information and I never sent it. These are BOLD FACE LIES! They have never attempted to contact me requesting additional information and are using this lie as a means to continue reporting false information, as they have been unable to verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im Apply Chase bank Credit cards 2-3 times because my debit card is chase bank .. Im new in United States So chase bank not give a credit card I think short credit history but Im not sure.. so now 3 hard inquiries in my report and some others I dont know about others.. so please remove hard inquiries in my report because its hurt my score .. 
Thank you
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 under 15 USC 1681. 
1 ) XXXX XXXX, XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX, Account number XXXX, has violated my rights. 

XXXX ) XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX Account number XXXX has violated my rights 3 ) XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

I have sent several emails. One on XXXX-25 and one on XXXX25 and both emails told me to contact the other company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX REFUSES TO VALIDATE AND REMOVE AN INCORRECT REPORTING BY XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX , MD. XXXX.
Product: Checking or savings account

My employer sent my paycheck to capital one and capital one has not released my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect negative items on my credit report XXXX  XXXX Account # XXXX Late Payment : XX/XX/2017, XX/XX/2017, XX/XX/2017 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX ) conducted 7 unauthorized hard inquiries on my Equifax report when I requested an increase on my credit card limit. I was not told or warned that this request would pull a hard inquiry and therefore they did it without my consent. 
The hard inquiries reported are dated below : 1. XX/XX/XXXX 2. XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX 7. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe there is incorrect information on my credit report, and I have been attempting to gain online access to obtain my credit report. I can not access the online portal because they have incorrect information, and I have to file a dispute online to correct the information but since I can't access the online portal I have to access to my credit report or the dispute process. I have contacted the company a few times, but they won't fix the issues because I can't verify my identity since my credit report is incorrect. I am basically being told I can't access my credit file because I can not verify who I am because I can't verify incorrect information. I have tried contacting Equifax directly and the customer service is extremely unhelpful.
Product: Checking or savings account

On or about XX/XX/2023, I opened an online savings account with Synchrony Bank. On XX/XX/2023, {$20000.00} was debited from my personal checking account with XXXX XXXX XXXX to fund my Synchrony Savings Account. On or about XX/XX/2023, {$5500.00} was debited from my XXXX XXXX XXXX XXXX to fund my Synchrony Savings Account. On or about XX/XX/2023, {$27000.00} was debited from my XXXX XXXX XXXX XXXX XXXX to fund my Synchrony Savings Account. A total of {$52000.00} had been deposited with Synchrony Back. 

As of today, XX/XX/2023, I do not have access to my funds and I no longer have online access to my account. I have spoken with Synchrony Bank on multiple occasions have been informed, most recently on XX/XX/2023, and I have been informed there is a restriction on my account and that the funds can be unavailable for up to an additional 60 days. I informed Synchrony Bank on multiple occasions that having my fund be unavailable for 90 plus days is unacceptable as this is a savings account and not an investment nor a CD and I will be irreparably damaged if I do not have access to my funds ASAP. I informed Synchrony Bank to immediately lift the restriction to my funds, or to remit my funds back to my originating accounts with interest immediately. Synchrony Bank has refused to do this. 

I have further informed Synchrony Bank that I have lost faith in their solvency, given the fact that I am not allowed to access MY liquid funds and now have grave concerns about the safety of my funds. This is even compounded by the fact that Synchrony bank has deleted my online access and have provided me with no statement indicating the amount of funds they are holding for me. From outwards appearance, it doesnt even appear that my account with Synchrony Bank exists. 

I have statements from all my originating accounts showing the funds being debited and remitted to Synchrony Bank. 

I demand immediate access to my funds, return of my funds to their original accounts with interest or FDIC insured coverage for my funds.
Product: Debt collection

I applied for a lease on a house. They ran a background check.Once I received a copy of my background check I realized there was a collection.The collection was from a Medical Bill .The hospital bill was from " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX '' the company that filed the collection is " PROGRESSIVE MGMT SYSTE Originally : XXXX XXXX XXXX '' .I reached out to this company and explained to them that I have yet to ever visit the XXXX XXXX , let alone XXXX. Ive never even been to California. They proceeded to tell me that this is considered identity theft. I told them to remove it and I was then explained how to file this complaint and remove the collection off my credit..I have already filed a police Report in the state of Florida the city of XXXX XXXX XXXXXX/XX/2021 - Case Number # XXXX.
Product: Student loan

My loan servicer is Edfinancial. I made a payment of {$2400.00} on XX/XX/XXXX during the XXXX XXXX period. 

I am eligible for $ XXXX student loan forgiveness and have a balance of {$17000.00} as of today, XX/XX/XXXX. I have requested a refund of {$2000.00} on this payment and Edfinancial is denying payment. This would bring my student loan balance to {$19000.00}. 

When I called on XX/XX/XXXX I was told that I would be refunded in XXXX of XXXX. I asked where I could read up on this as I just checked Edfinancial 's website and could not find any mention of it. I was told this is a new policy this week. I asked to start the process for a refund regardless and was told a form was filled out for my account that I could not see and have no accountability to see to start the refund process with no guarantee that I would get the refund I am entitled.
Product: Money transfer, virtual currency, or money service

Ok so a lot of my money has been being spent or charged to my cash app and I specifically asked them to stop those companies from charging my account and they did not stop anything so I would be left with nothing in my account and nothing would be done about it they would act like if I was XXXX  or something then on my investing my investments in some cases they were up to $ XXXX I dont even know were that money went
Product: Debt collection

In 2018, I had received an 6 months interest free loan from XXXX XXXX XXXX for {$740.00}, which has been paid in full. XXXX   assessed late fees on the account ( and compounding interest upon those ) and the cause of late payment was multiple rejected payments from their financial services department due to an unaccepted payment type. 

I made a {$240.00} payment on XXXX and a second payment of {$500.00} on XXXX. The second payment was rejected by XXXX XXXX XXXX due to a payment type of 'virtual card mailed ' not being an accepted form of payment. I had issued the payment first payment from my XXXX and the second from my XXXX. At the time, I didn't know that the payment had been rejected, I just saw that the payment had been issued from my XXXX/XXXX and XXXX XXXX  customer service department had called me to tell me they hadn't received payment. So I coordinated with my XXXX distributor and issued payment again on XXXX, which was again rejected. After multiple phone calls between both the XXXX company and XXXX, I was able to get a number to XXXX XXXX financial services department and finally to understand that the payment type was the problem ( during all of the calls I placed to or received from XXXX   never told me that this was the problem until I was able to speak with their financial services department ). I coordinated with the XXXX distributor and issued the payment again on XXXX. This time it was accepted. 

I continued to receive phone calls and had multiple discussions with collections at XXXX and explained the situation, but they refused to dismiss the late fees and associated compounding interest. On top of that, I've received thousands of dollars of loans from XXXX in the past and had paid each one on time, until this situation. 

Over a year later, I am now receiving calls and mail from a second debt collector, after having provided written dispute to the first debt collector that included payment dates, payment reference numbers, and the contact information to my XXXX company. Not only has my credit been affected but my family members have received collections calls and been harassed for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting bureaus, XXXX, XXXX, and Transunion have caused identity theft against me. 

Pursuant to 15 USC 1681B ( 2 ), a consumer reporting agency only can report with the written instruction of the consumer to whom it relates. 

According to consume law, I, as a consumer, am supposed to refer to the bureau definition of identity theft. And the CFPB states that " Identity theft '' is when someone uses my name, social security number, date of birth, or other identifying information without authority. 

I never gave any reporting agencies : XXXX, XXXX, and Transunion authority to report anything on my report, but yet they had for years. They have committed identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company informed me directly that the payments for XXXX and XXXX were not late. I've spoken with them on two separate occasions and been advised this.
Product: Debt collection

I have not supplied proof under doctrine of estoppel by silence. XXXXXXXX XXXX XXXX  ( MO ) XXXX XXXX XXXX, XXXX. I Presume that no proof of the alleged debt, nor therefore exists under my identity. I also am victim of identity theft from a family member.
Product: Credit card or prepaid card

Someone fraudulently opened a XXXX XXXX card using my name with USBank. I tried countless times to report fraudulent activity to USBank using the number provided on their website ( XXXX ). I was redirected to another number XXXX and they tell me they can't help me close the account or report the fraud. I am just trying to make sure the account is closed/not activated and report the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/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