23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I prepaid approx 52 % or {$200000.00} toward a balance of {$370000.00} with Ditech. The {$370000.00} was shown on the statement from Ditech dated XX/XX/2019. I mailed one check for {$200000.00} as prepaid principal on or about XX/XX/2019. It finally credited in 2 parts,  {$50000.00} on XX/XX/2019 and then {$150000.00} on XX/XX/2019. The loan is an annual adjustable with the rate adjusting with the XXXX payment each year. A Ditech representative advised me to ask for a loan modification which would translate into a reduced payment going forward. Loan modification docs were sent from Ditech to me by XXXX. They required a signature from me, 2 witnesses and a notary. This was all done one XX/XX/2019 at my attorney 's office and copies sent back to Ditech in the enclosed return envelope by way of XXXX. My attorney retaining copies of all. It was signed for by XXXX XXXX at Ditech on XX/XX/2019 at XXXX XXXX. Tracking # XXXX in XXXX, FL. The 11 payments prior to the principal reduction had been {$2400.00}. After the modification the 12th payment which was for XX/XX/2019 payment dropped to {$1100.00}. This seemed fine. Then the statement arrived dated XX/XX/2019 showing a balance of {$170000.00}. This seems fine. However on the following statement dated XX/XX/2019 the required payment is showing as {$2500.00}. This is way, way off it should be about {$1200.00} on a 19 year amortization which is the time period left in the contract. I have made 8 contacts with Ditech over the past month plus. Including the hold time they have averaged about 45 minutes each. I have sent letters and had live chats with Ditech reps. I always get the same run around " it is being reviewed '', " we see the problem '', " I can't change your payment '', " you are not allowed to talk with anyone who can change the payment because they don't take calls ''. This has been well over a month and now the payment is almost due. I am unable to get this mess corrected. I understand that filing for BK and having court supervision makes things complicated for Ditech. It is clear and obvious they all the docs since the XXXX payment was modified and properly reflected the principal reduction and loan modification. According to the phone reps at Ditech if I don't make the requested payment it will be reflected as late on my credit report!
Product: Checking or savings account

Dear Sir, or Ma'am, Although the XXXX bank doesn't remind me of any other criminal incidents I've experienced, since opening my account at BankMobileXXXX  through financial aid at my college, I have had consistent problems with it. They ROUTINELY charged me the $ 3 monthly service fee even when I had well over the required {$300.00} ( approx. ) amount in my account, e.g., {$700.00}. 
I think there were other irregularities, too, but, since I'm homeless, and since COVID closed the college campus, I really have lost track of what the bank was or wasn't doing. I complained to them each time at first, then got tired of that, thinking, " well, it's only a few dollars, and I have to get this paper written for [ XXXX, XXXX, XXXX XXXX, etc. ], '' and I didn't follow up on it. I also don't have a phone very often, and when I do, its a XXXX, since you need an address for anything else, and, like I said, I'm homeless. 
Recently, I discovered a XXXX purchase that I didn't make. On XX/XX/22, {$2.00} was deducted from my account. I really doubt that I was there. As soon as I saw it ( on the XXXX or XXXX ), I thought back -- it would have been within the past 3 days -- and was sure that I had not been to XXXX. The last balance I remembered was {$3.00} ( approx. ), and I was saving that for some occasion when I needed to use XXXX ' wi-fi. So, I had been saving it and would have remember spending it, I think. This has happened before with XXXX ( XXXX XXXX, CA, I think ), but I don't remember the dates or amounts. 
This might be two separate issues : the XXXX  ( XXXXXXXX XXXX ), and XXXX. I don't have enough information on XXXX to say how often this has happened, but I think it happened this time, and the other time I mentioned, as I simply don't check my statements that often ( I'm homeless, and secure wi-fi is not that easy to find ).
Product: Debt collection

I went to the emergency room at XXXX XXXX XXXX in XXXX, Wy ( I dont know the dates of service as I have not been told ) At the hospital they never asked me for any demographic information or to verify my information. The only thing they asked for was my name and date of birth. Then back in XX/XX/2020 I received a call from a debt collector at Express Recovery Services. I told them I never received a bill from the hospital and I didnt not know what the bill was for. I then updated my address and gave them my insurance information. From that day I have not received any calls or letters. I reviewed my credit report and they are reporting to my credit. I called them on XXXX stating I have not received any calls or letters. They argued that they are sending letters and there is nothing they can do. They also never notified me that my insurance denied and I never received a letter. I called the hospital and they said due to the time of night there was no one there to get your information and there is nothing we can do I am disputing this debt and report on my credit as I was wrongfully sent to collections and I was not sent any letter and only received one call where they did not even verify the balance or what the service was for. I have absolutely no documentation as I have not been sent one bill or notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened my account with XXXX nearly XXXX. Unbeknownst to me, my account was transferred to XXXX/Yamaha. I contacted XXXX multiple times in XXXX to make a payment, in which when I finally got through, they told me to contact XXXX/Yamaha because XXXX no longer held my account. I tried on many occasions to communicate with XXXX/Yamaha but was unable to get through. The message I got was that they had a high volume of calls and to try again later. No option to leave a message. I am not sure if this was due to closures as a result of COVID-19 or not. All I can advise is it was impossible to get through. This account is now current/paid standing, yet I lost over 100 points to my FICO score due to lack of communication and mismanagement of my account by XXXX/ Yamaha XXXX Due to this, the late payment history needs to be corrected with each credit bureau to restore the good standing I had on my account.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ONLY BEEN ASSOCIATED WITH ONE ADDRESS AND THAT IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX WITH TELEPHONE NUMBER XXXX ANY OTHER ADDRESS OR PHONE NUMBER ON MY CREDIT REPORT IS INCORRECT AND WANT THEM TO BE DELETED WITH ANY ACCOUNTS ASSOCIATED WITH IT
Product: Credit reporting or other personal consumer reports

XX/XX/22 CFPB COMPLAINT THIS XXXX XXXX WAS DELETED FROM XXXX BECAUSE OF IT BEING UNVERIFED! BUT SINCE I'VE NOTICED IT ON XXXX AND EQUIFAX REPORTS HOW? THIS IS NOT MY ACCOUNT AND A DIRECT VIOLATION OF MY RIGHTS! LAWS ARE BEING BROKEN HERE EX : 15 1692 ( c ) ( a ) 15 USC 1692 B ( 2 ) I HAVE FILE IDENTITY COMPLAINT WITH FTC DEMAND IMMEDIATE REMOVAL FULLY PREPARED FOR LITIGATION FOR ACCOUNT REPORTING AS XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my grave concern regarding the presence of fraudulent and unauthorized account on my credit report, which is causing significant distress and financial harm. Specifically, this account is associated with the following entity : XXXXXXXX XXXX XXXX XXXX. It is of utmost importance to underscore that this account do not belong to me and is fraudulent. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Debt collection

Midland Funding LLC had filed a default judgement against me that was a result of identity theft, and are currently garnishing my wages. I was never served a summons for court to defend myself and never received any communications regarding what was going on. I was very surprised when I received an email from my HR department alerting me that they have been mandated to garnish 25 % of my bi-weekly paycheck to Midland Funding in their attempt to collect a debt that has an unpaid balance of {$140000.00}. I was informed that they are obligated by law to start garnishing as soon as possible which started on XX/XX/2019 and is still on going. I was very distraught with this and promptly responded to my HR to see if there was anything that could be done about it. I was informed that until they receive something from the law firm ( XXXX XXXX XXXX XXXX ) letting them know that the issue has been resolved, their hands are tied by law. I could not believe what was happening as I had no idea that I had a credit card with XXXX  XXXX, or that I was sued by Midland funding, and as a result of not knowing all this, they were automatically granted a default judgement because how could I have defended myself if I had no idea on what was going on which I didn't as I never receive a court summon or any sort of communication. 

I immediately went to check my credit report from all three credit bureaus which is something I have not done in a while and immediately noticed that they had also reported this on my credit and Midland funding have also acquired another supposedly debt from XXXX XXXX with a {$660.00} unpaid balance. I immediately contacted midland funding mainly discussing the account with {$140000.00} which they are currently garnishing my wages for. I explained to them that I am a victim of identity theft and never submitted a XXXX  XXXX credit card application or XXXX  XXXX collection and I never received a court summon any communications. They asked me about an address on file which was not my correct address, and I told them so. I was told that there is nothing than can be done about it because they now have a default judgement and will continue to garnish my wages. I went on to file a fraud alert and dispute with all three credit bureaus as outlined in FCRA section 609 form asking them to verify proof of the debt with physical verification of an original signed consumer contract and have been responded with verified as accurate which is still not in agreement with the law, thus continuing to be in violation with section 611 -noncompliance and continuing to damage my report and garnishing my wages.
Product: Mortgage

It started when they applied my 2nd loan payment to the wrong acct. When I called and said no, I made the payment, with added principal payment. They saw the mistake they made and applied the funds to the correct acct. Since then I have made the payment every month. Now they say I owe XXXX for " Principal Advance Fee '' from back in XXXX. 
the statements have not refeclted this balance, despite since then, ... I have made XXXX additional Principal Only Payments to this acct. Apparently ... the overage back in XXXX of XXXX that I had expected to go towards principal, they took as a Partial Payment. there for they " loaned '' me the other XXXX to make the payment complete.??? on a payment that wasnt due, or late. This loan is due to be paid off early by my small principal payments I have made all along for 7 years. Now they expect me to believe I need them to loan me money for a payment? doesnt make sense. How did it end? When I said this cant be legal, that I was going to file a report. They came back on the phone with they were going to send me the money from their corp. acct to use to pay this fee. HUH? so why would they do that? why not fix it and make it right on my acct. I told them I never authorized this, and I would never go into the bank with XXXX and make a partial payment asking them to float me a loan for the rest? doesnt make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done several disputes with the 3 credit bureaus to get old closed accounts permanently removed from my credit reports. There are old accounts that have have been closed for over 8 years that are still showing on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX PHONE NUMBER : XXXX XXXX : XXXX SSN : XXXX Subject : Dispute of Inaccurate and Non-Permissible Purpose Inquiries on Credit Report To Whom It XXXX Concern, I am writing to formally dispute several inquiries listed on my Equifax credit report. These inquiries, dated XX/XX/year>, might lack a permissible purpose under the Fair Credit Reporting Act ( FCRA ), or they might be inaccurately impacting my credit score. I am requesting an immediate investigation into these discrepancies and their correction. 

XXXX Inquiries and XXXX of Permissible Purpose : The following inquiries are disputed due to a lack of demonstrable permissible purpose under the FCRA. I request verification of these inquiries ' legitimacy and necessity, along with a clear explanation of their permissible purpose. If a valid permissible purpose is absent, I request their immediate removal. 

XXXX XXXX XXXX ( XX/XX/year> ) : I have no record of applying for credit with XXXX XXXX XXXX on this date. This inquiry appears to be an error and lacks a permissible purpose for inclusion on my credit report. 
XXXX XXXX  XXXX ( XX/XX/year> ) : I do not recall applying for credit with XXXX XXXX XXXX on this date. Please provide documentation verifying this inquiry and a clear explanation of the permissible purpose justifying its inclusion. 
XXXX XXXX XXXX ( XX/XX/year> ) : Similar to inquiries # XXXX and # XXXX, I have no record of this inquiry and request verification and justification for its presence, along with confirmation of a permissible purpose. 
XXXX XXXX XXXX XXXX XX/XX/year> ) : I also do not have any record of applying for credit with XXXX XXXX XXXX on this XXXX XXXX XXXX of this inquiry and a detailed justification for its permissible purpose are requested. 

Impact of Inquiries : These inquiries XXXX be artificially lowering my credit score, potentially affecting my ability to secure favorable credit terms. I am particularly concerned that their extended duration could exceed any valid permissible purpose, thereby negatively affecting my creditworthiness. 

Request : I request a comprehensive investigation into the inquiries listed above and ask that you remove any inquiries found to be inaccurate, unnecessary, lacking a permissible purpose under the FCRA, or improperly reported. Please send me a copy of my updated credit report reflecting these corrections. 

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

XXXX Inquiry from XX/XX/2016 + Finance i never inquired this company and it affected my credit score
Product: Mortgage

I have repeatedly complained to the company since they bought my loan XX/XX/2019. My chapter XXXX which did not include my mortgage discharged XX/XX/2019 and they will not report my zero missed or late payments each month. They added a prepayment penalty which I do not have. I am short on escrow because they refuse to do an analysis and recalculate the higher yearly property taxes. Thats a short list of issues since they bought my loan last Fall.
Product: Mortgage

PHH mortgage purchased Flood insurance in error as I already had and have always had flood insurance on this property. -PHH mortgage acknowledged their mistake ( in writing- their letter dated XX/XX/XXXX ) by cancelling their flood insurance, but now they are refusing to correct the error in escrow calculation. I have purchased and been paying my own flood insurance on this property since XXXX when I refinanced with XXXX XXXX XXXX. Now after XXXX  years, when PHH purchased my mortgage from XXXX XXXX XXXX  they are refusing to adjust my escrow so I have to pay in advance so they make more money off of me?. How many other consumers are being unfairly abused for their financial gain? Today after navigating their voice mail maze, XXXX reps hung up on me after being on hold for XXXX minutes.- XXXX-rep ID XXXX and XXXX rep ID XXXX XXXX Please assist in getting my mortgage payment reduced to the correct amount, alleviating their additional financial strain on this senior citizen. Thank you Address for PHH Mortgage on their letter dated XX/XX/XXXX : XXXX XXXX XXXX, XXXX, OH XXXX Address of PHH Mortgage on the escrow analysis XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX Acct # with PHH Mortgage XXXX XXXX Amount in dispute : {$760.00}
Product: Credit reporting, credit repair services, 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 USU 1681 Account Name : XXXX XXXXXXXX XXXX XXXXXXXX ; Account Name : 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 an 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 other adverse items 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: Debt collection

FDRPA and FDCRA No Surprises Act violation.Arbor Professional Solutions aka Ann Arbor Credit Bureau, has misrepresented the debts legal status and owner by reporting to all the credit agencies including XXXX, XXXX, and XXXX a collection for {$1400.00}, for a medical debt that is NOT my debt, under another owner, and has already been PAID. The primary payor is XXXX, another party XXXX, not me. I want this inaccurate information removed from any /and or all credit reporting agencies, and affiliates, under my name, and my credit rating restored, prior to them reporting this illegal, inaccurate information. 

I would also like a written confirmation that this has been removed from my credit report, and my good credit rating restored that they damaged. Causing irreparable harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agency and the company. My rights have been violated. I sent in several disputes to have incorrect information deleted from my credit report. Westlake financial services has been reporting incorrect information on my report. I have asked them to provide proof the proof provided was incorrect and was not what was being reported on my credit report. I have asked XXXX to do and complete a thorough 8investigation and have not received any feedback or even an update on the dispute. Yet they have added this account back to my Credit Report without my knowledge. I do believe that under the FCRA this is illegal on both the CRA and the company. So again this is my final attempt to have this problem fixed before I seek legal action to have this completed.
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX submitted a total loss payment to XXXX XXXX for a XXXX XXXX XXXX that was XXXX XXXX XXXX when I purchased the vehicle and it had over XXXX miles at the time of purchase. Contracts and proof attached. 

Considering the lawsuits pending against XXXX XXXX, TOTAL LOSS from INSURANCE, and the predatory lending of 22.99 % for 5 years on a XXXX car at the time of purchase, I am requesting that credit acceptance REMOVE and DELETE the 180 DAY LATE Payments and other adverse payments from ALL THREE CREDIT REPORTS. 

Since the beginning of the loan in XX/XX/XXXX, I was never late on the car payments. Negative credit reporting started after the total loss of the car. 

The car was involved in an accident in XXXX of XXXX and instead of XXXX XXXX reporting this correctly, they have reported 180 day late payments for ALMOST TWO YEARS affecting my ability to obtain credit in an already increasing high economy. This is unfair to me as the car was deemed a total loss, and XXXX XXXX CHARGED ME {$12000.00} in XXXX charges or interest, which is more than double the price of the vehicle. Contract attached. 

The reason a balance was remaining was due to the 22.99 % interest rate and the sticker price of {$8500.00} on the car, which seemed to be overstated because the car had over XXXX miles on it at the time of purchase and was already XXXX years old. Please assist because I am like many other consumers who are just trying to pay our bills on limited incomes from day-to-day and encountering large conglomerates who take advantage of marginalized communities. Thank you for your help as I really need your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a lot of inaccurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX, XXXX, and XXXX  but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX is reporting it as a Flexible spending credit card, XXXX  as a credit card, and XXXX  is reporting no account type. XXXX  is reporting a monthly payment of {$0.00}, XXXX  is reportng {$97.00}, and XXXX  is reporting {$0.00}. XXXX  is reporting the last reported date as XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and, XXXX as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. XXXX is reporting a high credit of {$5000.00}, XXXX is reporting it as {$0.00}, and XXXX  is reporting it as {$4400.00}. They have obviously not been investigating this as per my request and i would like this deleted ASAP.
Product: Money transfer, virtual currency, or money service

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