23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My father passed away on XX/XX/XXXX. I petitioned the court to be named as personal representative, effective XX/XX/XXXX. On XX/XX/XXXX, I called PHH Mortgage to inform them of my dad 's death. They asked that I email them the death certificate, documentation from the court and a written statement outlining our intention for the property ( we intended to sell ). They requested that we email the documentation to : XXXX. I called back one week later on XX/XX/XXXX to inquire if my documents had been received and what the payoff balance of the loan was. After waiting on hold for over 20 minutes, I was rudely told that the processing time to read emails on their end was 15 business days. When I asked to speak to a supervisor, I was told that there was no one available to speak to me. I then asked if I could receive a call when my paperwork had been received, but was told that I would have to call back, wait on hold and then inquire if my information had been received after the 15 day mark. 

I called back two more times ( after the passing of the 15 business days ) and the first time my call was dropped after holding, and then when I called back the call center was closed. The second time I was told that my information was not 'in the system '. On XX/XX/XXXX, I again emailed the documentation to two different email addresses ( XXXX ) and ( XXXX ) for a total of four separate times. I have never received an email or call back from PHH at any point. I also was not able to receive the exact pay off amount on the loan since my initial request on XX/XX/XXXX. 

On XX/XX/XXXX the title company working with me to sell my father 's home alerted me that they did not receive timely responses, including the pay off amount from PHH Mortgage. The title company reached out to me on XX/XX/XXXX and stated that closing could be delayed due to the lack of response from PHH Mortgage. The title company also stated that the experience working with PHH was among the worst of any mortgage company due to their failure to answer questions and provide information in a timely fashion.
Product: Money transfer, virtual currency, or money service

I created a coinbase account. 

I verified my identity, XXXX XXXX 

I did a XXXX currency recharge from my bank without problem. 

I made a change from XXXX XXXX XXXX without problem. 

Now they have my money withheld, they won't let me send the XXXX outside of Coinbase, they have restricted my sending, and they don't tell me why, they don't give me a solution, and they have my XXXX in their possession. 

Please help
Product: Credit reporting or other personal consumer reports

I have never lived at this address. I requested the address be removed from my credit report, but credit agency continues to fraudulently reported it.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 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 card

Please review my prior complaints about Barclays not closing my account after multiple requests then turning me over to collection agencies as being in default. 

Then they finally acknowledged they were wrong and notified most CRAs. Now they are still harassing me over the same closed account with multiple emails and my request to stop sent to Barclays Office of the President has been ignored.

Do you have any powers to stop and/or punish banks for harassment?
Product: Debt collection

Spoke with a representative on XX/XX/2023 at XXXX and he denied to send me a bill, he also stated on a recorded line that the address he had on file was handpicked from running my information in a system and I told him that he can not randomly pick a address and that the address does not belong to me. These people are listed on my credit report and my score decreased significantly due to the company not accurately having my information correct. They also refused to send me a bill after I requested them to send me the bill via email. I also spoke with the original creditor XXXX XXXX XXXX and they said I do not have anything in collections and that any previous balance I did have with them was discharged and paid off with my insurance
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX And account # XXXX XXXX XXXX XXXX. 
And account # XXXX XXXX XXXX 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.
Product: Student loan

I tried contacting Navient to lower my monthly payment for my private student loans. They told me that while they do offer income based repayment options, only XXXX out of my XXXX loans was eligible for this incentive. They told me that my other XXXX loans were not eligible as they were not dispersed before a certain date. I called on XXXX separate occasions. The first time I called they informed me that they could lower my student loan payment from {$410.00} a month to {$280.00}. Then they they told me that they could only get it down to {$360.00}. I had to end the call because my lunch break was over. I called a second time and they suggested that I should refinance my private loan and upon further questioning they decided that they were not able to lower my monthly payment at all. I just want to lower my monthly payment as I have just exited my grace period and I am still getting used to life outside of school. I need a helpful solution.
Product: Debt collection

I received a phone call for Central Portfolio Control rep XXXX XXXX who advised he was attempting to collect a debt for XXXXXXXX XXXX I advised him that i don't have any debts with XXXX  and to not contact me again and any correspondence that he has to please send to the address that he has on file. I also to him that it was a direct violation according to 15USC 1692 for him to obtain my personal information when i have no debt with this company and did not supply them with that information myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I JUST GOT OFF THE PHONE WITH EXPERIAN AND WAS TOLD THAT THEY COULD NOT REMOVE AN OLD ADDRESS FROM MY CREDIT FILE. I'VE DONE MY RESEARCH AND I BELIEVE THAT THE ONLY ADDRESS THAT SHOULD BE REPORTED IS THE CURRENT ONE. I'VE BEEN A VICTIM OF IDENTITY THEFT IN THE PAST AND ONLY WANT MY CURRENT ADDRESS REPORTING TO AVOID ANY MORE SURPRISES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!

Resolution ( Delete listed accounts )
Product: Credit reporting or other personal consumer reports

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

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

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

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

James B. Nutter bank is not working with me and I put in a complaint with FHA and not hearing back from them either.
Product: Debt collection

I want debt validation claim pursuant to 15 USC 1692 g. l am requesting original contract with original creditor with my signature on it. I want to see my payment history with original creditor. I want a detailed list of payment history of payments made by me on this account. I want to see the signature that I put on the contract guaranteeing that I would pay this creditor. 
I'm asking to see has there been any insurance claim filed on this debt and I want proof that they have the chain of title to collect on this debt
Product: Bank account or service

I was contacted by BB & T 's XXXXXXXX branch. In particular, I was contact by XXXX XXXX, the Mortgage Loan Office for BB & T at the XXXX branch. A number of years back I had financed a property with BB & T so, obviously, I was in their database for telemarketing. After a discussion with XXXX, I agreed to begin the process of refinancing both my primary residence and a rental unit. 

After providing all the documentation, I was assured by XXXX XXXX that I would have no trouble getting approved. I have over a XXXX in liguid assets, I earn XXXX per year plus bonus. I have an XXXX XXXX score, and a flawless employment history. So I was n't surprised by XXXX XXXX 's assurances that I would be approved. In fact, I could secure the loan with hard assets if needed ( I was n't asked ). After being assured by XXXX XXXX that there were no issues with my loan application, I decided to proceed with obtaining the necessary appraisals and paying the requisite fees. 

Incredibly BB & T denied the loan because I am currently working as a XXXX XXXX for a company in XXXX and not a XXXX employee. Prior to proceeding with the loan application, I submitted my contract outlining my fees ( XXXX per year + XXXX bonus. At no time, did XXXX XXXX indicate that this would be a problem. BB & T verified my employment agrangement with the company. So, based upon assurances from XXXX XXXX I proceeded with the loan application. The appraisals and fees were in excess of {$1000.00}. 

I firmly believe that XXXX XXXX 's actions were a gross violation of her fiduciary responsibility to advise me that a XXXX arrangement with a company would be a problem for their underwriter. I also firmly believe that their actions are reckless in pursuit of increasing their profits by failing to advise clients of the potential issues that may be raised for employment situations such as mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I paid off 2 mortgages, totaling over {$450000.00} with XXXX Bank in XXXX, XXXX Equifax and the other credit agencies do not show these mortgages as paid in full, causing my debt to income ratio to be 244 %. In fact, ironically these mortgages just showed up for the very first time after this closing and had never been on my credit report. Also, criteria shows that I " do not have a mortgage '' lowering my credit score, when I had a substantial mortgage in good standing. These payments were nearly {$3000.00} for years and " paid as agreed. '' I am trying to purchase a small home, and can only get a subprime interest rate of 9.25 %, because my credit score is barely over 600. I live in XXXXXXXX XXXX, in a very small town and there are very few homes for sale, and I do not want to keep paying rent. I can not purchase any home without a ridiculous credit score, despite working for over 50 years. I have written the companies and the more I inquire it seems the worse it gets. This is grossly unfair. I see where this has happened all over the United States, and I find it concerning. What is going on with the credit bureaus? Are they intentionally trying to skew the credit reports to keep people in debt?
Product: Money transfer, virtual currency, or money service

I am writing to formally expressed my concern regarding Zelle of disputes particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle numerous times and Reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately they informed me that recovering the lost funds was impossible and that tracking these transactions were unfeasible. The XXXX  Findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable XXXX scams. The lack of accountability and Transparency is unacceptable and raisers serious concerns about consumer safety
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian verified yesterday a collection account, XXXX XXXX XXXX, account number XXXX.This account also appears on XXXX and XXXX and has been verified by those two bureaus although they are in reinvestigation at the current moment.This account should not appear at all on my report as I was covered by insurance XXXX Covered California.I previously filed CFPB complaint XXXX against XXXX XXXX XXXX who responded that the original creditor said I was uninsured but they were still investigating and would respond later yet they are still verifying this debt with all 3 credit bureaus as correctly reporting.The following is what occurred : I received a XXXX XXXX XXXX on XX/XX/2014.In order to have the required XXXX I had to apply for and receive and have verified XXXX coverage.I did so and had the successful XXXX at another hospital other than the original creditor here. The insurer also said that ALL XXXX XXXX RELATING TO MY XXXX WAS COVERED as was this billing here related to my XXXX XXXX.I would like this error deleted from my credit reports
Product: Debt collection

Upon checking my credit report I noticed some accounts on my report that I did not authorize.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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 {$0.00} XXXX XXXX XXXX XXXX XXXX  {$130.00} XXXX XXXX XXXX XXXX XXXX  {$540.00} XXXX XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX XXXX XXXX {$290.00} 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
Product: Credit card

I just activated my new Credit card ( Fortiva ) And understand there is a yearly annual fee. XXXX $ on activation day, and XXXX $ yearly thereafter. However, in the Setup and Maintenance Fees portion, it says NOTICE : The annual Fee will be assessed before you begin using your credit card and will reduce the amount of credit you initially have available. Based on your initial credit limit of {$700.00}, your initial available credit will be only about {$520.00}. You may still reject this plan, provided that you have not yet used the account or paid a fee after receiving a billing statement. If you do reject the plan, you will not be responsible for any fees or charges. So I called up fortiva telling them I hereby do NOT agree and reject the plan for ONLY the 1st initial annual fee of {$170.00}, which it says I can reject and not be responsible for any fees or charges. So I fulfilled both requirements, not using my account or payed any fees after the first billing cycle. Fortiva told me that If I reject the annual fee of XXXX $ ( which it explicitly says I can reject and not be responsible for ) that it means i want my account closed. I asked where it says this explicitly in the Cardholder agreement and this is what they said, It does not say tht explicitly. it means if you reject, you agree to have your account closed, if you reject the initial annual fee of XXXX $ ( NOT the {$49.00} annual charge. i am only disputing the XXXX $ setup fee. ) oh well sir it does not say it explicitly, that your account will be closed if you reject the initial assessment annual fee of {$170.00}. They really said that. So it should say it explicitly if that is the case! If you need any further clarification please let me know thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax. I have submitted numerous disputes. Ones concerning my name, address etc have been resolved. Ones regarding revolving accounts and installment accounts don't get addressed. It's been 4 months for some of the disputes. I have a revolving account, XXXX, that is missing multiple months of history. I have another revolving that hasn't been updated since XXXX. I upgraded from a single bureau report to a 3 bureau report and the history of all my active accounts disappeared. Not from the XXXX or XXXX part of the Equifax report but the EQUIFAX part of the report. For 3 weeks. Finally I downgraded. I asked multiple times for a refund. They said no. I tried MANY times to talk to someone. I just kept getting the brushoff. There is more but that's the majority of it.
Product: Credit reporting or other personal consumer reports

This past week, I went to XXXX XXXX XXXX XXXX to determine if I qualify for a credit card. I go through a XXXX XXXX and they informed me of my credit score and all the money I owe through collections. My financial institution gets all of this information through Experian. There were a couple of reports on my Experian account that were incorrect. Twice as somebody had taken out student loans under my name and the names of the bank are central research something like that- anyway my credit union sent me back with a phone number to call Experian to get this reported as fraud.

I tried calling them and seeing if I could get a specialist to talk to me over the phone, but Im instructed by the automated assistant to go through my account. Now its been a long time since I could login into my Experian account. So obviously I dont remember the phone number that they have linked to my email.. I have had many failed attempts to login because I dont remember my password and I DEFINITELY dont remember the number I had linked to the account. I keep my patience, obviously and try to maneuver around it, but it will not let me through. The security is locked tight. So I called back the number for Experian and no matter what I request to the robot or answering machine ( I dont know what to call it ) she does not want to transfer me to speak to a real person. Theres no way I can get my account recovered now and Im completely locked out.. so I call my bank to see if they have any other points of contact they can give me to get this issue resolved or at least just get these loans reported, but not even they know how to resolve it. A CREDIT UNION Doesnt know how to fix this. So I hang up the phone before cussing this person out. And just like that, I have no options to speak to a person about my issue, answer, security questions and such so that I can get my issues resolved. Im STUCK. I dont know if submitting this is going to help me at all. I found this website through XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and Transunion credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX/XXXX  XXXX {$140.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$780.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}