23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I would like to file a formal complaint against PHH Mortgage Services for inflated payoff cost, XXXX discrimination, and retaliation after my initial complaint. Locations that I previously sent written disputes ( see enclosed communication dated XX/XX/XXXX ) in an attempt to resolve my complaint, include : PHH Mortgage Services XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX PHH Mortgage ( Disputes ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX ( Ocwen Financial Corp ) Attn : XXXX XXXX, Chair of the Board XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, FL XXXX Complaint recap On XX/XX/XXXX, I requested a payoff statement from PHH. PHH provided a payoff statement on XX/XX/XXXX for {$68000.00} good thru XX/XX/XXXX. PHH also provided the title company with this amount. On XX/XX/XXXX my family closed on the estate property, and XXXX XXXX company wired the payoff amount to PHH. On XX/XX/XXXX, PHH contracted with attorney XXXX to accelerate foreclosure on our family home and sent a XX/XX/XXXX revised second payoff statement with the same XX/XX/XXXX good thru date to include additional appraisal fees, but did not communicate this fact until after the sale. 

The second payoff amount was {$69000.00} a difference of {$790.00}. On XX/XX/XXXX attempts were made to resolve this dispute, but PHH would not accept payments until another, third, payoff statement was generated. The third payoff statement dated XX/XX/XXXX in the amount of {$71000.00} now included fees of an additional {$2500.00} and noted FORECLOSURE status on the statement, unlike previous payoff statements. I wired the difference between the amount sent by XXXX XXXX XXXX ( {$71000.00} - {$68000.00} ) and the newly inflated third PHH payoff fees on XX/XX/XXXX with the intent of filing a claim to seek reimbursement and report PHHs deceptive unethical practices. 

I believe that my family and I have experienced XXXX discrimination due to the history of fees assessed to families of XXXX as well as being the victims of inflated predatory fees while attempting to close our loan with PHH. For these reasons, I am asking for an investigation of PHHs inflated fees and reimbursement of {$2500.00} by PHH for fees paid after our home was sold and paid PHH the original payoff amount.
Product: Credit reporting or other personal consumer reports

Ive been frustrated by the presence of inquiries from your company on my credit report that I didnt approve. These inquiries have lowered my score and made simple financial tasks unnecessarily complicated
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

XX/XX/2020 and XX/XX/2020 do to covid there was no late charges due to goverment but they charge me for late and report late to credit burue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, FIRST CREDIT SERVICES is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 

15 USC 1681 section 602 A states that I have the right to privacy.

15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of.

Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I opened a credit card with XXXX XXXX XXXX ( who I bank with ) and only used the card once or twice for gas and always immediate paid it off, never carrying a balance. I simply stopped using the card and in XXXX of XXXX unbeknownst to me I was charged an annual fee. I had moved at the end of XXXX and XXXX  XXXX XXXX had an outdated address and my mail was not forwarding with 100 % accuracy, therefore, I missed the statement/ bill that said I had a balance outstanding due to the annual fee ( about {$40.00} I believe ). I was not setup with online banking and not once when I went to the bank to withdraw funds/ deposit checks did they notify me of the problem. I was also not setup with online banking, which after this experience I am. After two months they simply closed my account and I did not find out about it until I went to apply for a loan and was informed that my score had dropped significantly. I would think that after getting returned mail XXXX would take the initiative to attempt to contact me in some other fashion outside of mail, but they did not. The account is now showing as " Paid '' but the negative remarks as far as being " late '' on payments right before they closed it is significantly impacting my ability to qualify for a loan/ additional credit. 

I called XXXX and they said they could NOT simply change what they were reporting to the credit bureaus, and told me to file a dispute with XXXX and Experian. I did just that and both came back saying that everything on my report is showing as accurate. What is so frustrating is that XXXX is telling me to contact the credit bureaus but then the bureaus are telling me to contact XXXX to resolve this! 

My dispute date with XXXX is XX/XX/XXXX and my confirmation # is XXXX. 

My report # with Experian is XXXX.
Product: Debt collection

On or about XXXX, XXXX, I sold my home at XXXX XXXX XXXX XXXX XXXX TX XXXX. At the time of the sale, I had XXXX home monitoring service and 'smart home ' equipment. The buyer, XXXX XXXX, called XXXX to transfer my contract to them, and rather than transfer my contract as I had instructed XXXX and XXXX XXXX to do, XXXX created a new account for her using my equipment and did not inform me. 

After a period of approximately 6 months, I received a collections call from XXXX telling me I owed approximately {$650.00}. I disputed this and refused to pay given that there was call evidence that XXXX XXXX properly instructed XXXX to transfer the contract and not start a new one. Unbeknownst to XXXX XXXX, the new contract was created. 

During my dispute and refusal to pay XXXX during this period, I filed a consumer protection complaint with the Texas Atty. General 's Office, complaint ID XXXX. In addition, I informed XXXX over the phone that should they continue, I would file a claim in small claims court and ask for compensatory damages. 

Following this, XXXX ceased trying to collect on this debt at approximately XX/XX/XXXX. 

Starting approximately XX/XX/XXXX, Zion Debt Holdings LLC informed me that they had purchased this outstanding debt and were now attempting to collect. I explained the situation to them and started a dispute. They maintained that it was their right to collect. I explained to them that should they continue this course of action I would pursue legal remedy. Nothing more came from this. 

On Thursday, XX/XX/XXXX I received a notification from my XXXX XXXX credit monitoring app that my score had dropped significantly. Upon investigation, this {$660.00} debt was marked as charged off by Zion Debt Holdings. 

ZDH has no right to mark this as a chargeoff as this was an improper debt to collect in the first place. XXXX wrote off this debt and ceased attempts to collect once it was determined that evidence was not in their favor and that they were, in fact, in the wrong. Zion purchased this debt from XXXX inappropriately and attempted to collect even after informed of this situation, then proceeded to file against my credit which I have maintained a literal perfect payment history. I have NEVER missed a payment for any debt. 

Zion 's actions are malicious and intentional as I told them to pound sand and that I would pursue legal action should they not cease their attempts. I will be exploring legal action against ZDH.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found an inaccuracy in my account reporting. My XXXX XXXX XXXX account ( Account # XXXX ) is reported inconsistently across credit bureaus : XXXX XXXX XXXX report the account as " Paid '' ( correct ) TransUnion reports it as " Closed '' ( incorrect ) This account was fully paid, and I did NOT request it to be closed. Under FCRA 623, 1 request that the status be updated to " Paid '' across all bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

I have a few things on my credit report that are hurting my credit profile. These two accounts are both reporting on my credit profile that were bought out by third party collection agencies, who I did not authorize or consent my personal information to. Because of this error, it is lowering my credit score, and increase derogatory marks on my credit report. I am unable to get any loans at this time and my interest rates are through the roof. Harvard Collection Service XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX. 


XX/XX/XXXX Harvard Collection Service XXXX XXXX XXXX XXXX, Illinois XXXX Subject : Notice of Dispute for Improper Communication in Debt Collection Violation of 15 U.S. Code 1692c Dear Harvard Collection Service, I am writing to formally dispute your recent communications regarding an alleged debt that I am purported to owe. This dispute is in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c. 

In your communications dated XX/XX/XXXX of improper communication, you violated my rights as outlined in the FDCPA by : Contacting me at an inconvenient time, specifically XX/XX/XXXX. 

Contacting me at my place of employment, despite knowing or having reason to know that my employer prohibits such communications. 
Failing to communicate through my attorney, despite being informed that I am represented by legal counsel. 

These actions are clear violations of the protections provided under 15 U.S. Code 1692c. As a consumer, I am entitled to privacy and fair treatment, and your conduct has been contrary to these legal standards. 

I hereby request that you cease all further communication with me, except as legally required, and that you take immediate steps to correct your procedures in compliance with the FDCPA. Any further violations of my rights may result in legal action.

Additionally, I am requesting full validation of the debt, including : 1. Verification of the amount of the debt ; 2. The name of the original creditor ; 3. Any supporting documentation proving that I am liable for this debt. 
Please respond in writing to acknowledge receipt of this notice within 30 days. Failure to comply with this request may lead to further actions, including filing complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ).
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( block, inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act. Specifically, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX  XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Huntington Bank on Monday, XX/XX/XXXX regarding a first time home buyers assistance program in my state that Huntington is an approved lender for. The person I contact via email is XXXX XXXX. After 24 hours of no response, I called and she answered. Although the customer service was far below satisfactory throughout the process, I know this report is not regarding those issues. My issue is that, after specifically noting in writing that I had only been using soft inquiries for reapproval, XXXX, without my consent or mention thereof, pulled a hard inquiry of my credit. I only received notice when I received a report from a soft pull by another company. I reached out immediately and demanded removal. XXXX did not respond until after I left a voicemail for her boss the following day. She tried to justify the pull by a " miscommunication '' but offered to remove the hard inquiry. Her boss also agreed to do so. I provided all information requested and placed a complaint with the company that Huntington used to complete the hard inquiry. After 2 days, I emailed again and demanded the report be removed or some update or I would report for the illegal activity. I have received no response.
Product: Mortgage

We wish to file a formal complaint against Wells Fargo Bank / Mortgage ( WFB ) for misleading statements made on our recent purchase of an investment property. The statement in question is the requirement to carry Private Mortgage Insurance ( PMI ) when our equity exceeded 80 % Loan-to-Value. 

XX/XX/2018 Confirmation that PMI would drop off when 80 % LTV is met XX/XX/2018 Closed on the property with 15 % down with intention to pay off 20 % asap XX/XX/2018 XX/XX/2018 Paid additional principal to eliminate PMI XX/XX/2018 Called WFB to confirm amount to eliminate PMI and was informed that it was now 30 %. and not 20 % anymore and that we should have put down 20 % a closing. As you can see from our correspondence we were very specific to this requirement and were assured multiple times that PMI would drop when we reached 20 % LTV. 

Sometime in XXXX, WFB gave us an option to get our property appraised at a {$200.00} fee that could potentially help eliminate PMI. We paid {$200.00} for inspector to come out and now the price dropped down to 82.7 % LTV - $ XXXX investment and appraisal is lower than with any improvements? 
. 
We have spent {$40000.00} updating property to ensure it was in the best shape possible to be able to attract renters. After that investment we are not in a financial position to pay 30 % but would have been able to had we been told this before we closed. We kept being told that LTV was 20 % despite our multiple requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my account it looks as if I have a LOT of inquiries that do NOT belong to me on my account. I even have some that show up at multiple dates. I sent letters last year in regards to this issue and have not heard back from them, XXXX and Transunion. They are all dated for the year 2017 from XX/XX/XXXX to XX/XX/XXXX and I don't recognize all of this inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a letter to Transunion to inform them of there continues inaccurate reporting, breaking the law, and infancy of my privacy. On XX/XX/XXXX I XXXX XXXX XXXXmailed a dispute to TransUnion for reporting a Chapter XXXX Bankruptcy that does not belong to me. I have filed several complaint through CFPB dates are as following. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have informed TransUnion several times of them breaking the law and infancy of privacy. As of XX/XX/XXXX TransUnion have failed to show on my consumer report that this bankruptcy was dispute. This is a violation of my right pursuant to15 U.S. Code 1681i. TransUnion have also fail to provided me with the re-investigation detail procedures. I was told on the phone XX/XX/XXXX that the information come from XXXX. I have a letter from XXXX stating no bankruptcy is reporting to my account. Once I informed TransUnion about XXXX, I was told they received the information from the court in my district. I also have a letter from the court in my district stating they do not give out this information. 
This inaccurate information on my consumer report has cause be to lose my job, and I have not been able to get stable housing for my children and I.
Product: Credit reporting or other personal consumer reports

This 3rd party company keeps reporting and accessing private information. I do not authorize them to report anything about me to any of the credit bureaus. 

I have emailed and called them. I sent emails on XX/XX/23 and XX/XX/23. 

I hope this letter finds you well. I am writing to formally request to opt out of receiving monthly reports as per the provisions outlined in the Graham-Leach-Bliley Act ( GLBA ). 

My account information is as follows : Account Number # XXXX I understand that under the GLBA, consumers have the right to opt out of the disclosure of their nonpublic personal information to non-affiliated third parties. In accordance with this regulation, I hereby exercise my right to opt out. 

Please ensure that my decision to opt out is promptly processed, and that my nonpublic personal information is not shared with any non-affiliated third parties for marketing or other purposes. I appreciate your attention to this matter and kindly request written confirmation of my opt-out status. 

Furthermore, I must emphasize that I take the protection of my financial reputation very seriously. Any attempt to harm my financial reputation by disclosing my nonpublic personal information without my consent will be viewed as a breach of the law and a violation of my rights. I want to make it clear that I am prepared to take legal action to protect my rights and financial reputation if necessary. 

In addition to opting out of sharing my information with non-affiliated third parties, I also request that my information not be shared with any credit reporting bureaus. I want to ensure that my credit report remains unaffected by any disclosure of my financial information.