23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am submitting this complaint to report serious concerns regarding XXXX c/o PHH Mortgage Services and their ongoing mishandling of my mortgage account, including the improper retention of debt securities submitted for settlement, deceptive loan modification practices, and coercive debt collection tactics. 

Background : On XX/XX/XXXX, I sent a debt security in the amount of {$32000.00} via mail to bring my mortgage account current. Under the Mailbox Rule ( Restatement ( Second ) of Contracts XXXX ), this payment should be considered made as of the date sent. 

Despite timely submission, the security was not applied until XX/XX/XXXX. This delay directly resulted in PHH forcing me into a loan modification, finalized on XX/XX/XXXX, under the threat of foreclosure and extreme pressureconditions that amounted to duress, coercion, and undue influence. 

I believe these actions violate : 15 U.S.C. 1692d ( Fair Debt Collection Practices Act ) Prohibiting abusive or coercive debt collection, 12 U.S.C. 5531 ( Dodd-Frank Act ) Prohibiting unfair, deceptive, or abusive acts or practices ( UDAAPs ). 

Ongoing Issue : On XX/XX/XXXX, I sent another security instrument ( Security # XXXX ) via XXXX XXXX Mail # XXXX for the purpose of settling ongoing monthly payments under the terms of the modification. 

As of this complaint, PHH Mortgage has not applied this security to my account. Instead, they have retained the security and allowed my account to fall into default status. I submitted a formal written request for review and resolution, which has been ignored. 

These actions appear to be deliberate, as the only previous time a payment was applied correctly ( in XXXX ) was after I threatened to report their practices to the SEC. 

Requested Resolution : I am seeking the CFPBs assistance to : Investigate the improper retention of securities submitted to settle my mortgage balance. 

Require XXXX c/o PHH Mortgage Services to apply all properly assigned payments to my account.

Remove any wrongful default or negative credit reporting caused by their failure to apply payments.

Re-examine the legitimacy of the mortgage modification entered under duress and coercion.

Ensure compliance with federal consumer protection laws moving forward.

I am prepared to submit copies of the securities, certified mail receipts, correspondence, and the modification agreement upon request. 

Thank you for your time and for protecting consumers like myself from these abusive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was involved with the Equifax data breach of 2017. They knew about the breach months ago but I have just heard about it now. 

My personal information has n't been used yet, to my knowledge, but now my SSN, credit card numbers, DOB, and potentially my driver 's license number are now public knowledge. They should have safeguarded this information at HIPAA levels, this is unacceptable.
Product: Credit reporting or other personal consumer reports

To whom this may concern : An agreement was entered into court and approved by a judge saying that I XXXX, XXXX XXXX am not responsible and not to be penalized for this account due to responsibility and liability being completely on XXXX XXXXXXXX. This document was signed and agreed and verbiage is stated is in our settlement agreement. PNC Bank is refusing to remove this account. XXXX XXXX and I were legally separated and divorced when this late payment took place. This account has been paid off and closed and they are being evil and will not remove this account. Legal proceedings are being filed
Product: Credit card or prepaid card

I had a Quicksilver VISA credit card with Capital One. At some point in XXXX, Capital One claimed that there was fraudulent activity on the card. They told me to send photocopies of my Social Security Card, drivers license, and something else to them prior to clearing the fraud alert. I suspected a phishing scheme and refused to do so. 
The account was dormant until XXXX when Capital One unilaterally decided to cancel the account. I don't object to that except that the VISA had a cash rewards plan and I had money due to me. 
In XX/XX/XXXX, I wrote to Capital One, asking for my cash rewards to be paid to me. There has been no response. 
I object to Capital One 's business practices. 1. There is no need for me to send the requested documentation to clear a potentially fraudulent charge. 2. They owe me my cash rewards. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance regarding an ongoing issue I have been experiencing with my credit report from Experian. My name is [ XXXX XXXX XXXX  ], and my Social Security Number is [ XXXX XXXX  ]. I have encountered significant difficulties in accessing my updated credit report due to the removal of my address and date of birth by Experian without my consent. 

Background of the Issue On [ XXXX XXXX  ], I noticed that my credit report was not reflecting the most recent updates, with the last available report being from XX/XX/year>. This situation is concerning as it affects my ability to monitor my credit status accurately. Upon contacting XXXX customer service, I expressed my concerns about the outdated information on my report. 

During this call, a representative informed me that they had deleted my address without any request from me. This action was taken after I had previously disputed inaccurate addresses that were associated with identity theft incidents affecting me. While I appreciate their efforts to correct inaccuracies, the removal of essential identifying information such as my address and date of birth has left me unable to access an updated version of my credit report. 

Request for Clarification and Action After speaking with a supervisor at Experian, I was told that in order to rectify this situation, I would need to provide identification and address verification documents. However, I believe this process is unjustly placing the burden on me as a consumer when it was XXXX actions that led to this predicament. Their response has felt robotic and lacking in empathy ; despite explaining that these issues stem from their handling of sensitive information related to identity theft, they have repeatedly insisted that it is up to me to resolve this matter. 

I am concerned that XXXX conduct may be violating consumer rights under the Fair Credit Reporting Act ( FCRA ). It appears they are not adequately addressing the implications of their actions on consumers who have been victims of identity theft. Furthermore, given the context of recent data breaches affecting personal information security, I feel targeted by their processes which seem unreasonably stringent under these circumstances.
Product: Credit reporting or other personal consumer reports

Despite providing extensive and irrefutable documentation over the past six years, the following inaccurate information has been improperly reinserted into my credit report without compliance with 15 U.S.C. 1681c ( f ) : Details of the Inaccurate Information Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : [ Insert Account Number or Identifier ] Description of Inaccuracy : REPEAT REQUESTS FOR REMOVAL ( 6 YEARS ) - After removed, The Credit Bureau RE-POSTED the creditor inaccurate reporting, showing the account is CLOSED WITH A BALANCE from OVER 7 YEARS AGO!!!!!!!!!!!!! Showing account derogatory, profit and loss write-off!!!! 
This re-posting occurred after it was previously removed, in blatant disregard for the FCRA, which mandates : Certification of Accuracy Before Reinsertion : A data furnisher must verify the accuracy of any information before it is re-reported. 
Notification to the Consumer : The credit bureau must notify the consumer of any reinserted information within five business days. 
You have failed to comply with these provisions. 

Immediate Action Demanded I demand the following actions be taken within 10 calendar days of receipt of this letter : Permanently Remove the Inaccurate Information : Immediately remove the inaccurate account ( s ) from my credit report and ensure no further reinsertion occurs without strict compliance with the FCRA. 
Provide Written Confirmation : Deliver a written statement confirming the permanent removal of the inaccurate information and your commitment to full compliance moving forward. 
Legal Ramifications of Non-Compliance Failure to address this matter within the specified timeframe will leave me no choice but to escalate this issue through : Formal Complaints : Filing with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) against your organization for repeated violations of federal law. 
Legal Action : Pursuing a lawsuit under 15 U.S.C. 1681n for willful non-compliance, which may result in penalties including : Actual damages Statutory damages of up to {$1000.00} per violation Attorneys fees Punitive damages Your organizations disregard for federal law undermines consumer trust and perpetuates unnecessary financial and emotional harm. I am fully prepared to exercise all available legal remedies to ensure this matter is resolved. 

This is your final opportunity to resolve this issue amicably and in compliance with the law. I expect written confirmation of corrective action by XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX reported a XXXX decrease in my credit score, despite several positive changes in my credit profile. My available credit increased by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and my total balance decreased by {$12000.00}. My credit utilization rate also dropped from 10 % to 8 %, reflecting responsible credit management. Additionally, the age of my oldest account increased by one month, as did my average account age. 

Ive maintained an excellent payment history, consistently paying bills in advance, with no missed or late payments. This unwarranted score reduction appears to be an error by XXXX, and by inaccurately lowering my credit score, XXXX is unfairly impacting my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted previous disputes with XXXX with in correct information pertaining to 2 accounts : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX with inaccurate dates open of account, account status, date of last activity after account was closed for more than 3 years and XXXX refuses to conduct proper investigation. I have enclosed more than 2 credit reports and 2 letters to XXXX to request investigaiton to have accounts removed due to not being 100 percent accurate and failure to reinvestigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't 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 XXXX. 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 I prefer to speak to a us rept but they refused 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 n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting inaccurate information since XX/XX/2021. The amount the company says I owe is {$89.00}. I disputed this negative account multiple times. The negative account is still on my report. 
Equifax is the only company reporting this negative item.
Product: Mortgage

Hello, My homeowners insurance dropped me. They will not reinstate my policy. I called my lender company to let them know they needed to send my insurance payment as soon as possible. They were provided with an overnight address and advised from my insurance company that it was crucial they send payment in as soon as possible. They did not. They claim their system sent the payment automatically and it was sent XX/XX/2023, and it was due XX/XX/XXXX I believe. My insurance company says they didnt receive payment until XX/XX/XXXX. I should not be penalized for something that wasnt my responsibility. I cant afford the extra {$200.00} that it will cost me to get new insurance. This is not ok and unacceptable.
Product: Student loan

COMPLAINT SUMMARY : I am filing a complaint against XXXX for failing to inform me about XXXX discharge options after my emergency XXXX XXXX, despite multiple direct discussions about my medical condition and XXXX eligibility. 

Filed complaint with XX/XX/XXXXCOMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Student loan ISSUE Dealing with your lender or servicer XX/XX/XXXX: Company responded Status Company XXXXesponded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Dear XXXX XXXX Thank you for contacting Navient about your student loan. Please be advised the servicing of your loan ( s ) has transferred to MOHELA. Because of this transfer, the issues you raised should be addressed by MOHELA directly, as they now manage the servicing of your loan ( s ). Given the importance of your inquiry, we want to ensure you have the correct contact information for MOHELA : Customer Service : XXXX Office of the Customer Advocate : XXXX XXXX Contacting MOHELA directly will ensure that your concerns are directed to and managed by the appropriate team. 



TIMELINE : - XXXX XXXX : Full-time family caregiver for 9 years - XX/XX/XXXX : Emergency XXXX XXXX resulting in XX/XX/XXXXand complications - XX/XX/XXXX : Contacted XX/XX/XXXXabout loan options, informed them of XXXX and medical condition - XXXX : Social worker informed me I should have applied for XXXX discharge - XX/XX/XXXX : Called XXXX again ; representative dismissed my concerns, mockingly compared my situation to his grandfather in a wheelchair, and claimed they had " no duty '' to inform me about XXXX discharge options SPECIFIC FAILURES BYXX/XX/XXXX : 1. Failed to disclose Total and Permanent XXXX ( TPD ) discharge program despite knowing about my XXXX XXXX 2. Only offered zero-payment option without explaining continued interest accrual 3. Representative in XXXX displayed inappropriate behavior and deliberately withheld information about XXXX discharge 4. Claimed they had " no reason to think XXXX could be serious '' despite being informed of XXXX XXXX and complications NEGATIVE IMPACTS : - Substantial interest accumulation - Damaged credit score - Increased recovery stress - Lost Employment Opportunities - Lost loan opportunities - Lost opportunity for timely XXXX discharge application - Financial hardship during medical recovery. 

XXXX remains responsible for their past actions and failures, even if they've transferred servicing : - Their failure to inform about XXXX discharge happened while they were the servicer is still their responsibility.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$10000.00} XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with the way my identity theft complaints have been handled by your bureau. This matter involves not only the theft of my personal data but also reflects a concerning lack of responsiveness and care from your bureau in addressing my situation. 
I have submitted all required documentation, including the FTC report filed with the Federal Trade Commission, to establish my innocence and highlight the criminal actions involved. Despite the severity of the issue and its significant impact on my life, the response from your bureau has been alarmingly inadequate. Communication about the status of my disputes has been sparse, and the replies I have received have been generic and unhelpful. This neglect has left me feeling ignored and unsupported by the institution I trusted to safeguard my credit and financial well-being. 
I urge your bureau to take my identity theft case seriously and expedite the investigation. Please thoroughly review the evidence provided and promptly remove the fraudulent account and transactions from my credit report. Additionally, I request that measures be implemented to prevent such incidents in the future, as it is evident that my personal information has been mishandled. 
XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

Trans world has listed a medical debt of {$2000.00} on my credit report. I have no knowledge of owing Transworld and have never heard of this company. I have no knowledge of this debt. I have no contract with this company. They have listed this collection account on my credit report falsely.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, On XX/XX/ I mailed to you a letter of an FTC report in addition to disputing information contained in federal trade consumer reports compiled, maintained, and published by you allegedly concerning regarding the following accounts listed in the FTC report below. Per records, you received my dispute letter on XXXX 
Accordingly, as per the FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-to-60-day period of the date on which you received my dispute letter. You received my dispute letter on XXXX Therefore, your response was due on or by XXXX Instead of sending me a response letter with proof of said verified account XXXX XXXX XXXX to the result of your investigation of the disputed information, your interim response claimed a verbiage of accounts reported under the FTC report that some accounts were not reported, and one account which was verified as accurate.

Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because of said alleged account marked as verified under my name without my consent of knowledge. Your excuse or assumption is a not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly disputed the completeness and or accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly delete the disputed information based off the laws previously stated and enforced in addition to more FCRA laws that are currently being broken by your company 's corporation. 
Additionally, as per the FCRA, you are liable to me for damages for your conduct. 
Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX XXXX  Be advised, this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within 14 days, ( 1 ) there must be a deletion of the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address listed above.
Product: Credit reporting or other personal consumer reports

Complaint Against TransUnion for FCRA Violation Failure to Investigate Dispute Timely Dear ( CFPB ), I am writing to bring to your attention a matter of concern regarding TransUnion 's failure to adhere to the Fair Credit Reporting Act ( FCRA ). On XXXX XXXX I submitted a dispute to TransUnion regarding inaccuracies on my credit report Account YES XXXXXXXX XXXX XXXX XXXX XXXX  who also reports as XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ). According to the FCRA, credit reporting agencies are obligated to investigate and respond to disputes within 30 days of receipt. However, despite the passage of the stipulated timeframe, TransUnion has not entered a notice of dispute or conducted an investigation into the matter. This apparent violation of the FCRA is concerning as it undermines the fundamental purpose of the XXXX ensure the accuracy and fairness of consumer credit reports. I kindly request that the CFPB investigate this matter, enforce compliance with the FCRA, and take appropriate actions to rectify the situation. Your prompt attention to this issue is greatly appreciated. 

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

I spoke Equifax about an dispute I have with an account. I sent information that proves tn sate law validates my dispute ( landl ord tennat act ) .I asked Equifax to prov ide me with details as to how the company carried out a reasonable investigation as per FC RA sect611. I ex plained the law required the reporting agency to do a reasonable investigation at my request. Equifax explained they have no regard for the law. I was told the company does not investigate but sends the dispute to the credit collection company to verify. I explained that this is a violation of sec 611. Equifax, was very negligent and has not regard  for Federal Law.
Product: Debt collection

I am disputing this account because I do not recognize it and I previously filed a report with the FTC for identity theft, I received a letter saying that I had until XX/XX/ to contact you regarding this account that otherwise you would assume that this account belongs to me. here I communicate with you using my rights as a consumer. 

LVNV FUNDING LLC XXXX This account is being disputed