23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My very first payment to PHH Mortgage for XXXX 's payment was sent to them on XX/XX/2023. The payment was applied as a principal only payment instead of a regular payment with the surplus applied as a principal payment of ( {$54.00} ). I emailed this mistake, then called and spoke with a male rep who fixed the payment and assured it would not happen again. This same issue happened for XXXX 's payment, which was cashed on XX/XX/2023, but was applied again as a principal only payment. I then began receiving letters and statements toward the XXXX of each month, with false balance reportings and late fees. In XX/XX/2023, I again received a false statement, this time I emailed them a copy of the statment along with my bank info showing the payment made prior the XXXX, so the statements should not reflect that I'm past due, when I was not. I informed if this isn't rectified, I would be filing a fedeeral complaint. And it happened again in XXXX and XX/XX/2023. I am being financially harrassed and my credit is receiving false reportings from this company and it needs to stop.
Product: Debt collection

I received a call from United Collection Bureau or as they call themselves UCB. I was told that I have to pay my XXXX Bill immediately or they will pad lock my front door and the sheriff will be coming to arrest me. I then called XXXX of their offices, and spoke to a XXXX XXXX who claimed to be the XXXX. He became belligerent and cussed at me. He told me that is why I am in collections because I am a loser. My XXXX XXXX XXXX daughter heard this as the call was on speaker phone. She started crying and asked why this mean man was calling you a loser Mommy.
Product: Mortgage

I applied to New York State Homeowner Assistance Fund, the program provides financial assistance to homeowners behind in their mortgage up to $ XXXX. NYS Homeowner assistance has not received a response from Citizen Bank, my mortgage servicer. If Citizen bank does not get a response from Citizen Bank, how are they supposed to be able to find available solutions like modifications on my behalf. 

New York State Assistance has been trying to get in touch with Citizen Bank since XX/XX/2022. Today, XX/XX/2022, I received a foreclosure notice from Citizen Bank. Mortgage rates have gone drastically up since NYS first reached out to Citizen.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX XXXX, they did not provide me with the original contract as I requested. This is not my account XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I usually check my credit score every week. When I checked this week as of yesterday, my credit has been used by someone other than me. The person opened three credit cards and a car loan in my name. XX/XX/XXXXXXXX XXXX XXXX account opened ( isnt mine ). XXXX XXXX  XX/XX/XXXX ( isnt mine ). Bank of America XX/XX/XXXX ( isnt mine ) XXXX XXXXXXXX XXXX XXXX ( isnt mine ). Bank of America XX/XX/XXXX ( isnt mine ).
Product: Debt collection

According to Harris & Harris LTD XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification please provide " Certified Mail '' with receipt displaying my signature. If not please delete account XXXX as soon as possible from my report or I will have to take legal action.
Product: Student loan

I have not received a bill from my loan servicer, MOHELA, though my account on XXXX says my loans are now in repayment. I am very concerned about defaulting on my loans because of their negligence. I attempted to make a payment through their phone system yesterday, but it told me I currently owe XXXX dollars- I know that is not true. 

I have called them several times over the past month, but it always tells me their wait times are outrageous. Today I called and the system said I would wait 119 minutes. I have to work during normal working hours and I don't have time to wait that long.
Product: Student loan

After receiving the response to my previous complaint about XXXX XXXX I called Nelnet on XX/XX/XXXX to discuss getting a {$20000.00} refund for payments I made in 2021 when the account was held by XXXX XXXX. I called Nelnet again on XX/XX/XXXX to check the status of my refund and they said it hasn't moved. Nelnet is aware of my payments and it sounds like the account has been transferred to them and they are in control as the transfer is complete. I want confirmation the Treasury department has received my request and my refund request of {$20000.00} will be sent to my house in a timely manner. Details regarding the payments are listed below and I attached screenshots as welll. 

" On XX/XX/2021 I made a {$25000.00} payment towards my student loan balance. This was made before my loans were transferred to Nelnet. Details regarding the payment is listed below : XXXX XX/XX/2021, XXXX XXXX  to XXXX Dear XXXX : We are confirming the student loan payment you scheduled through Account Access. Payment Amount : {$25000.00} Payment Date : XX/XX/2021 Checking/Savings Account : XXXX Confirmation Number : XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries on my consumer report as a result of identity theft. According to the fair credit reporting act these inquiries must be blocked and removed immediately! These inquiries are as follow : XXXX XXXX XXXX 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

in regards to my complaint thank you for what you did but i still see XXXX XXXX on there and XXXX  neiher of which i applied for a credit card with i dont even know banks XXXX  you can leave on my report but other ones should be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS REPORTING FALSE INFORMATION AND NEEDS TO BE REMOVED IMMEDIATELY. THIS ACCOUNT IS SHOWING FALSE DATES ON THE 1. DATE OPENED 2 LAST REPORTED 3. LAST ACTIVE DATE ALL HAVE DIFFERENT DATES COMPARED TO OTHER BUREAUS. THIS IS FRAUD AND HAS TO BE REMOVED. IT HAS A 0 BALANCE, THIS COLLECTION HAS ALREADY BEEN REMOVED BUT IS STILL SHOWING UP AS DEROGATORY ON MY REPORT. I JUST WANT IT REMOVED FROM MY REPORT COMPLETELY. 

Account # : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account was open up fraudulently without my knowledge, And any proceeding that was used I didn't receive any. 

XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$1200.00} Used Amount : {$1500.00} XXXX XXXX  Acct # XXXX Open XX/XX/XXXX Credit Amount : {$300.00} Used Amount : {$600.00} XXXX XXXX XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$4500.00} Used Amount : {$4500.00} XXXX Acct # XXXX Open XX/XX/XXXX Credit Amount : {$2800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *15 U.S.C . 1681 Section 602 A. States I have the right to accurate credit reporting and privacy.

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

I have debt collection from Caine & Weiner Account No. XXXX & original creditor is XXXX ( address id number XXXX that appear on my credit report. I have contact both lenders about this matter and seem to get nowhere about getting this matter cleared off my name.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I asked Citizens Bank XXXX XXXX XXXX team to assist me with a large international wire on the phone to assure it was done correctly. The bank agent missed a few steps and the wire ( XXXX XXXX ) went out in pounds ( XXXX XXXX ) instead of us dollars. Citizens management informed me to recall the funds but never informed me of a {XXXX} penalty. Citizens took my money and recalled the difference to my account. I have on recorded calls several request asking them to inform me of any penalties. I am loyal customer, I have five or six checking accounts, multiple savings accounts, business accounts, my mortgage and home equity and feel like I have no advocate helping resolve this issue. I have pushed this to the Office of the Chair but have not hear back from them. This was unfair and no one person can explain to me the XXXX fee. There is no advocate for me and I was even more upset when the Office of the Chair called to hear my side of the story but then quickly informed me the decision to charge me XXXX was done. Hi investigation of this matter was incomplete to begin with but why ask then inform me of your decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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: 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 Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity fraud. Someone obtained an auto loan with XXXX using my identity and I have filed a police report and met with a police officer to give all the details. 
The XXXX auto loan is still being reported in my Experian profile as a collection/chargeoff and it's affecting my overall credit profile. 

I have filed a complaint with XXXX and Experian, but Experian is still reporting. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this inaccurate and unverifiable with Experian on numberal occasions and Experian continues to report this account # XXXX by XXXX XXXXXXXX XXXX On XX/XX/XXXX, Experian say they contacted the furnisher and the account is verified and accurate. How can this be when inaccurate and unverifiable things are still reporting wrong : Last Reported Dates inaccurate, XXXX and XXXX reporting inaccurate, Payment History inaccurate. In comments Experian reports account sold to XXXX, Question then, why XXXX not listed on consumer report. Why are you reporting 120 days late then CO, CO on XX/XX/XXXX and XX/XX/XXXX. I'm writing this dispute letter because you failed to legally verify this account. I may not be an attorney, but I'm aware that you can't just tell me what the creditor tells you and that you must actually furnish the documentation to prove that my claim of inaccuracy is incorrect. Section 609 states that you are required to furnish the documentation that I filled out when this account was opened and if you can't prove legal ownership, the accounts need to be removed. Continuing to report these accounts is a violation for false reporting. Once again, these are the accounts I am disputing and I need to see everything with my signature immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I went onto   XXXX   XXXX   on  XXXX / XXXX /2017 and saw a debt for Medical Revenue Services. I got the phone number and called to figure out what the bills were. I wanted an itemized bill. I spoke with   XXXX    who is a representative of Medical Revenue Service. She was very rude. When I asked for an itemized bill she said that they had sent the itemized bill on 3 separate occasions and that she would not send anymore bills with out a payment arrangement. She also proceeded to tell me that I owed them more money than what they were reporting to the credit bureaus. I owed them a total of {$4800.00} she said the amount included the {$1400.00} and the {$2200.00} that are already on my credit report and the amounts of {$650.00} and {$520.00} that they are not report at the moment and I had no knowledge of nor will they give me proof of the debt. If I setup a payment arrangement today they wont report the other amounts. After some thinking and the fear of new stuff popping up on my credit report I setup a one time settlement. I still wanted a copy of my bills to prove that I owed the debt. She also told me that we would have to wait to get approval from the hospital for the settlement and that would give me a 25 % savings and the lady representing the hospital had gone on vacation and would be later that day or the next day.
After speaking to a friend and doing research the next day I called to speak with   XXXX   's supervisor. I was transferred to  XXXX  the supervisor. I told   XXXX   about my conversation with  XXXX  and how I was requesting an itemized copy of the bills and how she setup the payment arrangement with threats of placing the other items on my credit report. He got mad and told me he would terminate the payment arrangement. I told him I wanted to know what I was being charged for. I said I will pay my debt but I do n't even know what its for. He told me on 3 separate occasions they mailed out the bills I explained that I never received them.
Later that day I called to confirm the arrangement amount. I then called   XXXX    back and told him I am canceling the arrangement and would like the itemized bills sent to me. He got verbally abusive and told me I did n't want to pay my debt and that he will not send me any bills and be would send my debt to the State of South Carolina and they can send me the itemized bill and that he would start to report the other debts. Also he did want me to call back.
I just want a copy of the itemized bills to know what i am paying for. My request for it to be sent certified so we can both make sure I get it was denied because he said under the law they do not have to.
Product: Credit card

I accumulated over XXXX miles on my barclaycard arrival card account. worth at least {$1100.00} if redeemed for travel related purchases. the Bank decided that giving 2.2 % on all purchases is to custy to them, so they closed my account and are refusing to give me my rewards.
Product: Money transfer, virtual currency, or money service

XXXX account have limit my account without giving me the reason why they do so Also they asked me to upload my I'd card and I do as they said but unfortunately they still not approve my account instead they limit it, and yet it is personal account
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were listed as mine and they were all fraudulent accounts XXXX XXXX XXXX XXXXXX/XX/XXXX ( Closed ) XXXX XXXX Not my account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XX/XX/XXXXXXXX XXXX XXXX ( Bank ). XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXXXXXX ( Finance ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( Bank XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ). XX/XX/XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX ( Miscellaneous ) XX/XX/XXXXXXXX XXXX XXXX  XXXX ( Bank ). XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit card

i opened an account with this company. shortly thereafter my home and car was burglarized and my information was stolen. as a result my banking info was used and my accounts was fraudently used
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX The above companies have collections and/or charge-off accounts on my credit reports I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These accounts need to be removed from my credit reports.
Product: Debt collection

I've reached out to this company several times in order to receive verified proof that this is my debt, that this company is legal obligated to collect on this debt etc. The company has failed to respond in the 30 day time span they are allotted on many occasions. I've been reaching out to NCA for their violations of the FDCPA. This account has been re-aged and placed back onto to of credit reports. This account is also passed the statute of limitations for collecting a debt in the state of Alabama.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company discover added items on my report that I never gave written consent or authorization to be placed on my report. Which is a violation of my consumer rights under 16 U.S.C 1681b ( 2 ). Im having that same issue with Discover and XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I had got XXXX deposited into my robinhood account. I was able to XXXX XXXX XXXX then I tried to remove XXXX into my actual real banks savings account and they rejected it and have withheld my funds. Saying the money isnt mine because they cant confirm. Ive sent bank statements, Id, social security. They have no reason to close my count and hold my funds for no apparent reason. Ive requested calls from customer support and nothing.
Product: Vehicle loan or lease

On XXXX XX/XX/2023, at XXXX, I received a call from a gentleman who stated hes from the office the XXXX and this call is being recorded and I responded that I am not worried about it. I let the gentleman talk and he goes on to say that USAA was not responsible for the pass hard charges from the other auto agencies but he was finished, I told him that USAA was the cause of the ripple effect that caused the embarrassment and humiliation that my family has suffered. As well I explained to him that it was the lack of complacency or training that the representative had which caused the problem. He responded by saying that neither him or USAA could make any promises of granting me the loan if I refinanced but said that they overturned the credit check after his representative made the mistake. I responded to him that USAA made the mistake and have not apologized for making the mistake or making any attempt to make the situation right. I also responded by saying that I do not think that USAA will intend on making this right by me but hoping it will just go away. I told him that to continue this conversation is useless unless they are will to do more for the veteran instead of XXXX them over. I also said that I did not make the mistake and I did everything that I was instructed to do by other representatives even up to the point of being at being at the table to make a purchase and being embarrassed by USAA! Again it was to no avail if not getting a resolution! I asked does he have a boss and if this could be presented to a them.
Product: Debt collection

This company has appeared on all three of my credit profiles, XXXX, XXXX, and XXXX. One account shows it as a open revolving account and the other two show it as a charge off account. I  reached out to this company and asked if they could provide a bill, as well as dates for this and they have not. The account says opened in XXXX of 2013. The credit reporting agencies verified this as accurate, but how when this company has not been able to provide me any proof of this account. I am hoping to get this resolved quickly.
Product: Credit reporting or other personal consumer reports

I notice some unauthorized inquiries on my credit profile.
Product: Credit card

Credit card company double charged me for a statement and is not responding to calls. Called them every day for 5 days straight. Everytime, I 'm on hold for up to 1 hr. 

Also, website does not provide any way to learn how to cancel the credit card. Their product is predatory.
Product: Debt collection

for weeks, people claiming to work for XXXX XXXX have been calling me, my wife, my family, and my place of employment threatening to serve me papers at work and at home. I have repeatedly asked them to stop calling everyone and they are very unprofessional and rude. They have made my wife cry several times due to the harassment. They call from many different numbers and are not friendly. they also threaten to garnish my wages, sue me, and threaten that jail time will be considered. I have asked them to send me a post-dated bill to let me know that they are a real company collecting a real debt. they refuse.