23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My initial call into PHH Mortgage was in XXXX, This call was in order to remove the PMI on my home and order an appraisal. I was told that a mailed letter would come in the mail, I would need to fill it out and mail back a check to pay for said appraisal. This was received roughly 2 weeks later, around XXXX. In the upcoming months I have heard nothing from PHH Mortgage. Being in XXXX XXXX I understand lending and the appraisal process ( better than their customer support, and escalation team ) which has been no help. My next conversation with PHH Mortgage was XX/XX/XXXX, I had called to get a status update as given the length of time that has passed, comps are no longer viable given lending and appraisal deadlines. The customer service agent said he couldn't help but did confirm they had deposited my check, and this would have to be escalated to the next level, although no one was available. I received a call back from the escalation manager on the XXXX, she stated that the order for the appraisal had gone out, and she promised I would receive a call from the appraiser in 7 days. This has not happened. I called back again, XX/XX/XXXX, and once again spoke with the escalation team, he assured me that it was being processed. I demanded answers, again, given an appraisal, there are requirements that have to be met when it comes to comps in the area, these requirements come from the lender and the appraiser typically done not have any flexibly. The length of time that this has taken has now drastically effected the value of my property, negatively because now comparable homes are not in their timeline requirement. This gentleman stated he can not do anything and would have to talk to the PMI department directly. Again I received a promise he would personally resolve my case and call back in 3-5 days. that was 8 days ago. 

The urgency and competency of PHH Mortgage as a lender is pathetic at best. Their practices are borderline fraudulent but who is going to have the money to sue them and take them to court? Show respect to your clients and resolve the issues they have discussed in a timely manner, or at least transfer them to someone who can do something, not a worker in XXXX making $ XXXX day.
Product: Mortgage

I paid Home Insurance every month. And pay home taxes XXXX {$3400.00} I send them the proof of payment. And they charge me Home Insurance XXXX and Taxes XXXX. No need for me to double pay. This is a waste of time dealing with Escrow with Lakeview Subserviced by XXXXXXXX XXXX. I will be thankful for your help XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

This credit card is not mine, I never applied for this card I never had it, is fraud maybe someone else used my information but I try to to communicate with them but they didn't help and threaten me
Product: Credit card

My credit card was used in a fraudulent manner in XXXX XXXX on or about XX/XX/XXXX. It all started when I took a taxi there XXXX week about XX/XX/XXXX. The taxi driver told me that if I paid with a credit card, the fare would be cheaper. Like a fool, I believed him, and handed him my XXXX card. He told me that the card was declined. Then I gave him my Sears credit, card..He told me the same thing. The fraud with the XXXX card was reported and I was NOT charged for it. When I got back from XXXX XXXX, the following Saturday, I called the number in the back of the XXXX card. I called on Monday to report the fraud, since Sears fraud Dept does NOT work on the weekends. The total was {$260.00} to Clip Mx in XXXX XXXX. Sears told me that I would NOT be charged for the amount pending the fraud investigation. I was issued a new credit card with a new number. On my XXXX bill, the amount was deleted from my credit card bill. 

I thought everything was taken care of until I called last Sunday XX/XX/XXXX. My bill sounded too high since I always have a general idea about what the amount of my credit cards should be. I called immediately and was told again to call Monday..I called the following day XX/XX/XXXX. The fraud Dept told me that after their investigation, it was discovered that I was responsible for paying the amount..I was NOT given a reason for this decision so do NOT know the result of the investigation other than the rude foreign individual told me that I gave the business my credit card for the purchase, which I did NOT..the Sears credit card never left my wallet after I tried to use it in the taxi. I don't make those kind of purchases for online games
Product: Mortgage

On XX/XX/XXXX I was contacted by a loan officer of Loan Depot ( loandepot.com ) for a mortgage refinance. He explained to me that I was prequalified after he pulled my credit report. He asked for my credit card number to pay for the appraisal. I gave him my credit card number and then {$370.00} was charged to my credit card. About two weeks into the mortgage loan process, The loan officer suddenly had become unresponsive to my phone messages and email inquiries. My last contact with him was on XX/XX/XXXX. Then on XX/XX/XXXX, my processor sent me an email notifying me that the  appraisal had been finished. Then after that my loan was a complete standstill. I could not get any updates with my loan until XX/XX/XXXX when my processor sent me an email stating that they were trying get some conditions fixed with the appraisal. By this time my loan had been reassigned to another loan officer.  Eventually on XX/XX/XXXX, my processor told me that the appraisal was useless because the appriser refused to fix some corrections in the appraisal. My processor said that Loan Depot would be doing a desk appraisal instead which is only running comparable sales from a computer. This completely messed up my loan and made purchasing an actual appraisal a waste of time and money. I should not be liable to pay for the appraisal. Loan Depot made a complete mockery of this loan. I was misguided by the initial loan officer who ordered the appraisal. Three weeks into the loan process my loan officer suddenly disappeared while leaving my loan at a complete standstill for weeks. Then the appraisal ordered was insufficient and could not be used causing my loan to be denied. The appraiser refused to provide the required information for the processor so it was a total waste.Now I am being charged {$370.00} for an appraisal that was done according to Loan Depot 's standards and they were the ones who ordered the appraisal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian, XXXX, and XXXX and XXXX XXXX XXXX with no successful resolution. Experian, XXXX and XXXX  reporting me 30, 60 and 120 days late from XX/XX/XXXX to XX/XX/XXXX. There was an error on their part. I was never 30, 60 or 120 days late.
Product: Money transfer, virtual currency, or money service

I have a nonprofit  account with PNC Bank, for the past week I have been trying to link the bank account with our XXXX account. XXXX XXXX  XXXX is the financial agency that distributes fundraised money to non-profits. Every-time I attempt to link the accounts I get several different error messages from PNC. The most frequent is " PNC has made a change that prevents you from being able to link your accounts ''. This is extremely frustraiting due to the fact that linking the accounts would allow for direct deposit rather than having to wait weeks/months for funds to be sent via mail. Getting the funds is a time-sensitive matter for my XXXX  as we are doing Covid-19 relief efforts and need access to our funds as soon as possible. I have called PNC bank and they were not helpful and also said it may be a problem on XXXX end.
Product: Checking or savings account

We initiated a bank transfer on XX/XX/24 from our savings account with Flagstar to another checking account so we could write a check for the down payment of a car. We received an email on XX/XX/24 saying the transfer failed. We called and they told us it was because they required XXXX step verification via phone and we did not answer their call. However, we never rec 'd a phone call. We continued to ask for our money, and they changed the story and said that we had a daily limit to transfer only {$2000.00} per day. We asked to see this in writing, and they were not able to provide this. We spoke with another person who said there actually was no limit on the transfer and that they would try the transfer again. The transfer failed a second time. We called and they took the majority of XXXX business day to even get back to us ; at which point we said we just wanted to close our account and move our money to our other bank. They told us they could not do that. They said they had to open a case with a " digital escalation team '' and refused to provide a direct contact number or contact for a manager. They refused to let us close our account or give us our money. As a result of this issue, our check for our down payment for our new car is going to bounce, our credit scores will be impacted, and we will be immediately sent to collections and/or our new car repossessed. We will not have transportation to safely transport our XXXX XXXX XXXX son to daycare so we can work. Our other bank accounts will be impacted when they are overdrawn with the bounced check. We will be greatly impacted by Flagstar Bank refusing to give us our money and let us close our account with them.
Product: Debt collection

I have a debt on my credit report from : Telerecovey of Louisiana I have disputed this debt many times with XXXX, XXXX, XXXX. 
I am unaware of this debt, yet this company is reporting that the account belongs to me. 

1. I NEVER received a letter of Debt 2. I DO NOT KNOW OF THIS DEBT 3. 
On XX/XX/2018, I mailed a Validation of Debt Letter to the company. I mailed letter to the address reported to the credit bureaus. I asked for reason of debt, original contract signed by me, and calculations of Debt. 
It has been 30days, and I have not received a response. 
This is wrongful collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX {$180.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$230.00} XXXX XXXX {$97.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX {$600.00} XXXX   XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX {$19000.00} XXXX XXXX {$5400.00} XXXX   XXXX  XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to Equifax requesting that my file be unsuppressed, as it was delaying my home-buying process. I also spoke with a representative who confirmed that my letter was received and assured me that my credit file was no longer suppressed. However, when my lender conducted a soft pull, they received an error message indicating that my file was still suppressed.
Product: Credit reporting or other personal consumer reports

My credit score/report hasnt been updated recently with this specific bureau, XXXX not sure why when other bureaus have updated my report.
Product: Debt collection

Every day of the work week, they call up to XXXX times and normally do them one right after another at my work number. They do n't leave a message.
Product: Credit card or prepaid card

I was PROSPER MARKETPLACE INC customer since XXXX and during that time, I have enjoyed my experience greatly. I have late payments on the above referenced account XXXX XXXX, XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report due to 'Affected by natural disaster '.
Product: Credit card or prepaid card

From my XXXX XXXX account I accidentally send a {$400.00} payment to CitiBank Credit Card ending # XXXX on XX/XX/XXXX, XXXX to an Citibank account that had been closed for five years. I owe them nothing, I closed the account because the interest was to high. Noticing the mistake, I phoned CitiBank Customer Service first on XXXX, XXXX, XXXX, to report it and asked for them to return the funds back into the account @ XXXX XXXX  that it came from. This was impossible they told me, but that a check would be sent. No check. On XXXX, XXXX, XXXX, I phoned again, to find that the check had not gone out, but was in process. Nothing. On XX/XX/XXXX, XXXX, I called again to find the check supposedly to return my funds was still in processing, or so they said. I asked them to send it electronically, but they said they could not do this. I told them my local XXXX does the exact same thing in five seconds. They will NOT return my monies, and no matter how many times I call they say the same thing .... 

CitiBank is refusing to refund monies sent to them accidentally to a closed account from my online XXXX XXXX account, and still as of today, no check, no refund, and no assistance.
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos XXXX  XXXX XXXX help me out by finding a way to check if my XXXX emails  were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Debt collection

Paid off a medical balance with financial recoveries in the amount of XXXX. They will not send me a fax or email stating i have a XXXX balance. theyhave reported this on my credit this month as well when the balance has been paid! i need a fax or email in writing ASAP that this balance has been paid! the account number is XXXX
Product: Debt collection

On XX/XX/XXXX at approximately XXXX I received a call from the debt collector at my place of employment. This was after speaking with them several months earlier and letting them know to not contact me at my place of employment.
Product: Money transfer, virtual currency, or money service

They closed my accounts and would not let me create a new account for over 5+ years saying that it was the system and they can not over ride it, resulting in me not being able to get my money or reopen an account again ever
Product: Debt collection

I feel as if my personal information is being sold or passed around in order to collect a debt that was paid by my insurance. It started with XXXX XXXX then XXXX XXXX which was disputed and removed now it's Law Offices MBA which states it's a medical debt correct me if I'm wrong should not be showing up on my XXXX report due to new regulations as of XX/XX/XXXX. The HIPA law also protects my medical information from being shared. I feel I'm being targeted and harassed. Please find it in your heart to stop this on going pursuit to prevent me from excelling in life. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act XXXX  Account 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 In accordance with the Fair Credit Reporting act XXXX  Account 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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

Hi capital one XXXX really asking you can you please remove my late fees through the privacy rights I really have some hard times in my family and helping my loved ones and I fell back behind please Im gon na write you a copy of the privacy rights the account capital one and accordance with the fair credit act 9105 has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.8K 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR 164 EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTI This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. 
After doing so please provide me with an updated reflecting please sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a derogatory mark for the SYNCB/VENMO  account for the only XXXX on XX/XX/2022 as late payment. The other 2 credit bureaus : XXXX  and XXXX display " OK ''. 

XXXX  report display an inconsistency with report. I would like to have this updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company to be removed as an authorized user and is still showing on reports
Product: Debt collection

transunion is reporting a charged off collection with a third party service i do not have a contract with those third party servicers such as XXXXXXXX XXXX XXXX, and XXXX these are now by law CERTIFICATES OF INDEBTNESS AND IS BEING REPORTED AS INCOME AND ACCORDING TO THE LAW THIS IS ILLEGAL I HAVE NO LIABILITY TO ANY THIRD PARTY COLLECTOR I WOULD LIKE FOR THOSE TWO COMPANIES TO PROVIDE ME WITH AN ORIGINAL CONTRACT BETWEEN US THAT PROVES WE HAD AN AGGREEMENT.
Product: Checking or savings account

On XX/XX/XXXX, check # XXXX was written to XXXX XXXX XXXX, XXXX box XXXX, XXXX XXXX, IL XXXX in the amount of {$130.00}. This check was intercepted internally within the Postal Service and has since had two fraudulent checks created from the banking information on the original check. 

Fraudulent check # XXXX was written on XX/XX/XXXX in the amount of {$8100.00} to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX This check was cashed at a Bank of America. To note : when endorsed, subject spelled the name incorrectly as XXXX XXXX. 

Fraudulent check # XXXX was written on XX/XX/XXXX in the amount of {$16000.00} to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This check was deposited at a XXXX Bank. 


The second were the fraudulent checks written cumulative in the amount of {$24000.00} which we have yet to recover as both banks are trying to deny any type of liability. The reason given by both banks is that the liability was not caught by us within 24 hours of the withdrawal. 

As a small business, as well as a banking industry, there has to be a better way to protect ourselves to these types of crimes. Any assistance in the recovery of these funds as well as the prosecution of the involved parties would be the most favorable conclusion.
Product: Credit card or prepaid card

In XX/XX/XXXX I made a balance transfer from my Capital One card to my XXXX XXXX. The balance transfer did not get applied to my XXXX XXXX, however I had the balance already charged to the Capital One account. As my XXXX XXXX card never got paid, I was essentially paying for two balances. After 2.5 years of reaching out to Capital One by phone calls and mail correspondence, and submitting complaints to the CFPB, XXXX who is backed by XXXX and Capital One were able to get this issue resolved and the credit applied back to my Capital One account in XX/XX/XXXX. 

On one instance when I tried to get this fixed on one of the many phone calls, precisely in XX/XX/XXXX, I was told on a recorded line that I would get the interest that was charged to my Capital One account reversed. This never did happen, and I am requesting that the interest that has been charged for the course of 2.5 on the {$1600.00} be reversed.
Product: Checking or savings account

I was transferring money from my Venmo account to my brothers-in-law account on XXXX XX/XX/2023. Whatever reason it flagged the transfer from my account to his account and wouldnt let it go through didnt tell me why the lady told me to transfer my money to my PayPal account and my PayPal account transferred to his Venmo account which I did it works for the first {$150.00} and I tried the rest of it. It locked my account saying that I was violating times of service, any terms of service or violated. They told me what to do. They told me to send it from my own Venmo account so my PayPal account is connected and then from my PayPal account to his Venmo account, which I did, and it went through just the first transaction. Now my my money is locked up and Im XXXX miles away from where I live And Im slept in a hotel room lobby last night and the ladies telling me thats gon na be XXXX XXXX XXXX  days until anybody can get back to me for anything so that I have to sleep almost for XXXX XXXX XXXX days because I have no money is locked up in my Venmo account. You guys wont give it back to me you wont give me any reason why being held up and theres no one you can talk to you on the phone XXXX way to get hold of anybody on a phone call you have to do it through a chat or an email and everything takes XXXX XXXX XXXX  days so here I am Monday day XXXX day XXXX actually And Im stuck this is this is bad