23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have fallen behind by 85 days. While attempting to contact XXXX XXXX XXXX to make a payment, I had been informed I'm now affiliated with PHH mortgage. I tried to open an online account. it was impossible. -I then received a letter dated 2 weeks previous of the current date. I attempted to call the phone number for a days. The have given me a phone number of XXXX, extension XXXX XXXX XXXX. He does not answer the phone and does not have voicemail. It also says on the paperwork to press 0 and another case manager will assist. I have tried 25 times and no one answers. I would like to utilize the 90 option to get caught up. I believe PHH mortgage avoids answering the phone and blocks us from registering an online account to push customers into default. Im trying to register online to make the payment, Ive called and called to make a payment, they will not answer they will not respond please help! I cant open an online account for some odd reason, I cant get a representative. Its not fair, they are not responding. This is unaccetable cusomer service at the least and possible FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account, and I didn't authorize these companies to pull my credit either. This is the second request.
Product: Credit reporting or other personal consumer reports

Inquiry is not authorized by me and was used by creditor to inquired about this account
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax 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 item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following partial Account # s have violated my rights. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I do not have a contract nor did I authorize the company to obtain my information, my rights to privacy were violated under the FDCPA & FCRA
Product: Credit reporting

I am XXXX years old, the site tried to identify me and suggested that i had a mortgage since XX/XX/XXXX and car loan in XX/XX/XXXX under my name!!! I 'm XXXX never had any credit. I ca n't even pull my report to dispute things because I ca n't identify the lenders of these accounts.
Product: Credit reporting or other personal consumer reports

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? XXXX XXXX XXXX XXXX XXXX XXXX U.S. Bankruptcy Court Reference # : XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account:XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These items NEEDS TO BE REMOVED ASAP AND SEND ME THE MAIL WITHIN 4 BUSINESS DAYS REFLECTING THE REMOVED ITEMS
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXXXXXX XXXX XXXXXXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXXXXXX XXXX account on XX/XX/XXXX under account number XXXX, an XXXX XXXX account on XX/XX/XXXX under account number XXXX, and XXXXXXXX XXXX XXXX account on XX/XX/XXXX under account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

On Tuesday XX/XX/2022 the Citibank is closing mine. 
This is every wrongful to close mine account. 
I need someone to investigate this. I call Citibank talk to customer they did not helping me at all them every meaning to me, and XXXX to me and said am XXXX have no money and dont need to open the account. 
I would like Citibank turn in all phone call when talking to the customer on the record line when I call customer service. 
That is every XXXX by Citibank customer.
Product: Debt collection

Possible Financial INC reported a collection XX/XX/2020 amounting too {$140.00} which has since been reported as Identity theft to the police department and the FTC.
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 PDF 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 on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXXXXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry from XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Debt collection

I consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. MRS BPO, L.L.C mailed me a letter trying to collect on an alleged debt that shows XXXX XXXX XXXXXXXX XXXX XXXXXXXX. as the original creditor. Notice it is a fact, pursuant to 15 U.S.Code 1692 a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can MRS BPO, L.L.C, allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692c ( b ) MRS BPO, L.L.C, LLC can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, XXXX XXXX XXXX, XXXX has communicated with the all caps name principal obligor, XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
Product: Credit reporting or other personal consumer reports

Account # XXXX XXXX XXXX  Amount : {$520.00} Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. They also have no permission to REPORT anything using my info pursuant to 15 USC 1681 4.

I reached out to the original creditor ( XXXX XXXX ) and they have it on a recorded line that I do not owe anything to them & never had a balance, therefore this should not be on my report. it is an inaccuracy that needs to be fixed asap. in order to fix this inaccuracy, it needs to be removed from ALL of my credit profiles.
Product: Credit card

Chase has closed all my personal and business credit cards. They are completely unhelpful on all attempted phone communications. They incorrectly told me they closed all of my credit cards because of unexpected charges. I have no unusual charges and always pay every credit card statement in full every month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Experian 15 U.S. Code 6803 states, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

And I was not provided a clear and conspicuous disclosure in no form under regulations prescribed under section 6804 of this title financial institutions, policies, and practices with respect to the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Section 602 of the Fair Credit Reporting Act, 15 USC 1681, " there is a need to ensure that consumer reporting organizations execute their grave duties with fairness, impartiality, and a regard for the customer 's right to privacy. '' I am the Consumer, and XXXX and XXXX are consumer reporting companies. 15 USC 6801 states that " it is the intention of the Congress that each financial institution has an affirmative and continuous commitment to respect the privacy of its customers and to maintain the security and confidentiality of those customers ' nonpublic personal information. '' Furnisher of information to credit agencies is, by definition, a financial institution. Section 604 a section 2 of 15 USC 1681 reads that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the consumer reporting companies, XXXX and XXXX, do not have my consent to supply this information, and they certainly do not have my written authorization. Any and all verbal, nonverbal, written, implied, or other agreement to XXXX, XXXX, or all financial institutions are revoked. Also, 15 USC 6802 ( b ) ( c ), " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unlessthe consumer is provided with an explanation of how the consumer might exercise that nondisclosure option. '' I was never informed of my right to exercise my nondisclosure option by any financial institution. Not only that, but 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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 criminal convictions that predate the report by more than seven years. '' This account is an adverse item they are reporting without my permission which is illegal. " 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, according to 15 U.S. Code 1681s2 ( A ) ( 1 ) A.

" Every consumer reporting agency shall maintain reasonable processes designed to avoid breaches of part 1681c of this chapter and to confine the provision of consumer reports to the objectives indicated in section 1681b of this title, '' according to 15 U.S. Code 1681e. Reasonable procedures are not being maintained by XXXX and XXXX. Also, according to 12 CFR 1016.7, " a consumer may exercise the right to opt out at any time. '' I am declining your reporting services.
Product: Debt collection

I checked myself into a XXXX  facility, XXXX XXXX XXXX XXXX, on XX/XX/17. Upon entry, I was told that my insurance would cover my stay but that I would have to pay a copay of $XXXX which I agreed to and paid upfront. I completed XXXX  and left the facility three weeks later. I was never told that I would have to pay for anything else, nor did I ever agree to pay for anything else. I never received anything until the account was sent to the Rash Curtis & Associates collection agency. They then sent me a letter saying that I needed to pay $XXXX in full or that it would be put on my credit report. I tried to contact them and obtain an itemized copy of what the bill was for. They informed me over the phone about a few dates coinciding with the charges and they were for days that I was no longer even in the facility. They also told me that they would send me a copy of the documents they had and that never happened. I reported them to the CFPB before for this same account. The result of that complaint was a removal of the account from my XXXX  and XXXX  reports but it still remains on my XXXX   report. I disputed it again through the online center and they did not remove it as they should have. Instead, they updated it & increased the amount by $XXXX. It currently says that the account is closed but that I owe them $XXXX  and shows my payment status as derogatory. I would like for this account to be deleted from the XXXX  report as well since the charges were never agreed to in the first place and the results of my last complaint prove that to be true.
Product: Mortgage

I currently have a mortgage. The servicer is Selene Finance. I filed a bankruptcy a few years ago and received plan confirmation back in XXXX. I made the payments to mortgage servicer as told from bankruptcy court. I have received no statements to this date. My payments have been made on time and every month until the mortgage company started sending the payments back. During this time I received loan modifications and in XXXX a notice of change of servicer. In XXXX, my daughter looked into why they keep sending this information. The mortgage company had increased my payments without sending a notice or sending a statement anytime during this period. I still have yet to receive statements except one sent to my bankruptcy attorney in XX/XX/XXXX. Now the mortgage company is saying I owe close to {$21000.00} and have been sending my payments back. I also have documentation that the payments were sent and up to date until they changed the payment amount without any notification to me.
Product: Credit reporting or other personal consumer reports

Consumer ID : XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NJ XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX ID Type : Driver 's License ID Number : XXXX Early warning Service LLC XXXX XXXX XXXX XXXX, XXXX XXXX AZ XXXX ( XXXX ) XXXX I'm Writing to Request an investigation on the following information that appears on my early warning system consumer report XXXX XXXX XXXXXXXX Account number:XXXX  Routin Number : XXXX Open Date : XX/XX/XXXX XXXX XXXX Open Date : XX/XX/XXXX Account number : XXXX Routing number : XXXX I don't recognize the following account in question. I'm a victim of identity theft and I don't recognize these account in my report. I'm requesting the following information be deleted from my early warning consumer immediately. I've attached attached a copy of the report to this request. 

Thank you for the assistance, Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian just added a new address to my credit profile!! XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I do not reside at that address nor the XXXX XXXX XXXX XXXX, XXXX FL XXXX! 
These addresses are still on my credit report which is a violation of S 602. Congressional findings and statement of purpose [ 15 U.S.C. S 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer Credit and other information on consumers.

( 4 ) There is a need to ensure that consumer reporting agencies their grave Responsibilities with fairness impartiality, and respect for the consumers right to privacy.

( b ) Reasonable procedure. It is the purpose of this title to require that consumer reporting Agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, Personnel, insurance, and other information in a manner that is fair and equitable to the Consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such Information in accordance with the requirements of this title.

15 USC 1692 S 802. Congressional findings and declaration of purpose
Product: Mortgage

Chase is stealing peoples escrow overages money. On XX/XX/XXXX a {$4500.00} check was supposedly sent to me for the overage in my escrow account after an escrow analysis was done for XXXX. The check miraculously never got to me. So on XX/XX/XXXX they deposit back to my account because I never received the check. They did another escrow analysis and came up with the same results on XX/XX/XXXX and sent me the exact same amount in a check in an escrow statement. What a surprise I never received it. They then re-deposited that same amount on XX/XX/XXXX back to my account because again, miraculously I never received the check. I filed a complaint with you all. In retaliation they did a third escrow analysis and somehow, miraculously, they completely changed their analysis just 12 days later, and deemed that amazingly, every XXXX that they were supposed to send me, was now all of a sudden being used up for XXXX for taxes. in their first two original analysis just two weeks earlier, because of the overage they had reduced my mortgage payment by {$200.00} a month. Mind you they did to escrow analysis within a 30 day period. Then, as soon as I filed a complaint, they did a third analysis, my mortgage payment went up higher than it was, and all of a sudden my escrow overage is XXXX out exactly. Thats quite convenient. I have a letter from the XXXX XXXX tax assessors office, stating that my assessed value is not even close to what theyre determining for XXXX. I also spoke to someone at the county assessors office and there have been three people that Ive complained about the exact same thing from Chase. Oh, and heres another coincidence, the third escrow statement that they sent me that did not have a check in it, it actually made it to my mailbox. What are the chances. Chase is stealing peoples money by making up false escrow amount that are needed. I closed my house in XX/XX/XXXX. At that time 12 months of increase taxes by the millage rate was collected for XXXX. In XXXX my taxes did not go up so theres that entire amount of overage that was still in my account. XXXX. Youve already collected for a year with my payments from last year. Where is the extra money. They are doing this to multiple people. I have documentations from the county assessors office that the amount that they miraculously came up with on their a third analysis is incorrect. Im speaking with the Arizona Attorney General, because luckily I have family members that can allow me to speak with that department and Im going to file a formal complaint. Please see the screenshots that I provided. Like I said, its amazing that the first to escrow analysis statements that had the checks and Im never made it to me but as soon as I file a complaint with you all the third escrow analysis thats done not even 30 days later all of a sudden doesnt have a check in it and it makes it to me..
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, 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: Debt collection

CCS Collection is reporting information that voilate Hippa Guide lines and totally violates the No surprise act since XXXX XXXX