23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In the latter part of XXXX 2017, I received a letter from PHH, the company that services my mortgage. The letter was an escrow analysis and indicated that my escrow account had a projected deficit of {$320.00}. The letter gave me the option of doing a onetime payment or spreading the shortage out over 12 months. When I sent my XXXX payment in, I added the {$320.00} escrow shortage in with my regular payment. I wrote on the payment coupon that I was enclosing {$320.00} for the escrow shortage. I also sent them a letter stating that the extra {$320.00} was for the escrow shortage only! I mailed the payment priority mail and confirmed the delivery. Today I received my XXXX mortgage statement. Despite my clear instructions, they did not apply the {$320.00} for the escrow shortage. Instead they applied it to my principal balance and are billing me for the {$320.00} escrow shortage. This should be illegal and fraudulent on their part.
Product: Debt collection

On XX/XX/2021, Complete Credit Solutions reported an invalidated account to all 3 consumer reporting agencies which constitute fraud under both Federal and State laws pursuant to 15 U.S. Code 1692g ( b ). Complete Credit Solutions has not provided me with competent evidence that I have any legal obligation to pay. 

Due to this fact, and in accordance with 15 U.S. Code 1681n ( b ), XXXX XXXX XXXX is civilly liable, and I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Product: Credit reporting or other personal consumer reports

I had an existing LOC on my house... the balance was XXXX for a significant amount of time. Suddenly there's a charge of XXXX XXXX on my credit and US Bank is putting me in default. I never used my LOC, I never charged anything, it is 100 % FRAUD. The bank can not tell me or figure out or trace how the check was written, cashed, or used online. I have no idea how the XXXX change came on my credit report/ LOC and the bank can't give me details either. I am not showing 120 days late on my credit report for a non payment on a charge I never did. This is fraud. Please help
Product: Credit card

Early this morning ( XXXX XXXX  ), I received a call from someone claiming to be from my Citibank credit card fraud department to advise what appeared to be a fraudulent charge from out of state for electronic products over {$500.00}. 

The person identified himself as XXXX XXXX and the number the call came from is ( XXXX ) XXXX. I told him that I would call him back, then called my credit card bank and they told there was no fraudulent charges or record that anyone from their team had reached out to me. 

This number has been calling me back a few times and I have blocked the number.
Product: Credit reporting or other personal consumer reports

Not my account. Ask XXXX to send me a letter of verification but have never received XXXX. My ssn is being compromised and is on the dark web according to Experian. Someone else has my info. XXXX has not provided me with a verification letter as of today.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX BOTH ACCOUNTS ; XXXX XXXX ; Department Of Education ( ALL ACCOUNTS ) XXXX XXXX XXXX XXXX Inquiry ; XXXX XXXX XXXXk Inquiry Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX : Self Attestation, Drivers License, Bank Statement XXXX Utility Bill Proof of identity Drivers License, Bank Statement , Utility Bill, Trafficking documentation Self Attestation included
Product: Credit card

this account has always been in good standing I had several surgeries and had to take leave from work I communicated with capital one made small payments to keep account open best that I could financially they were unwilling to work with me and still took small payments from my bank account. I EXPLAINED TO THEM ALL OTHER CREDIT CARDS WERE WORKING WITH ME!!! I spoke with gut who agreed to settle this account for {$2500.00} after I paid {$1200.00}, in XXXX capital one has charged off account and have completely ruined my credit. Since the account has been charged off, I'm requesting a 1099C TAX FORM AND FOR MY CREDIT FILES TO BE CORRECTED.
Product: Payday loan

The company Fitzgerald, Goldman & Associates XXXX XXXX XXXX contacted me via an automated call today at my place of employment after being told not to call me at work. I called them back LIVID and told them once again not to call me at work. She said that they would continue to call until I made arrangements to pay the debt. I asked who the original lender was, she said that it was a payday loan but would n't give me the name of the company. I told her that they needed to contact me via mail with documentation. I told her that I had never received any correspondence. She said that had sent correspondence. She is a LIAR. I have NEVER gotten any correspondence.
Product: Debt collection

Portfolio Recovery informed me that after the debt was paid off the debt would be removed from my accounts. Both accounts are still on there, and then they told me that they didnt receive the final payment even though Ive sent them proof of that final payment ( included ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX  ,   XXXX   XXXX   &   XXXX   XXXX   XXXX     by certified mail in order to dispute information, in regards to  10  hard inquiries, that was being reported on my credit report. They received the letters & they completed the request. The request that I submitted included 10 Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623  ( b ) (  2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response back in less than 7 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXX XXXX XXXX Balance : {$1600.00}
Product: Credit card or prepaid card

There has been a global COVID 19 pandemic directly affecting those of us who live in XXXX especially after the date of XX/XX/XXXX. 
I was directly affected and it was not until the beginning of XX/XX/XXXX that things have calmed down a bit. I had a {$25.00} reward which I had earned from my own spending with the XXXX XXXX Credit Card issued by Comenity Bank. It had an expriration date of XX/XX/XXXX. 
I tried to redeem the reward with a large purchase on XX/XX/XXXX. I explained that given the global pandemic and all the stressors that I had not notched the reward was close to expire and quite frankly, shopping had not been a priority during this time of quarantine in XXXX. The representative indicated that there was nothing they could to extend the reward. The supervisor indicated that this was an issue to take up with Comenity Bank who issues the rewards. 
Called Comenity/potterybarn on XX/XX/XXXX. Again I indicated that given the pandemic circumstances this reward had not been redeemed and I was asking for an extension to redeem it. The representative indicated she could not do this and neither would her supervisor. I was transferred to a supervisor, who placed me on a long hold and indicated that her supervisors or " 'higher ups '' had not yet given instruction on how rewards would be handled if expired during the COVID 19 pandemic. 

I find it insulting that Comenity has not moved on making sure our rewards ( money earned from our spending ) are not extended as a human courtesy during this time. They are essentially pocketing our money. I understand there are parts of this country that are far less affected however I am a NY customer at the epicenter of this pandemic and all customers regardless should be given that acknowledgment. Insurance companies and other banks have moved swiftly to extend courtesies to their clients. I am requesting that the CFPB please intercede to have Comenity do  the right thing for their customers during this critical time and extended our earned rewards.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reporting beyond the time. Collection reporting beyond 5 year. No validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had 2 loan modifications in XXXX and one in XXXX. The account now shows current but the history still shows XXXX days past due. Part of the modification process is to bring the account current and Im doing so the credit history for that time was supposed to be updated to show current. Under the laws of the FCRA this accounts history isnt being reported properly and it is adversely affecting my credit and score. Please remediate.
Product: Money transfer, virtual currency, or money service

My phone was stolen and some money was sent from my Venmo. I got a new phone and fixed my Venmo password and email. Then I filed the charges fraud with my bank but my Venmo account was then restricted and permanently banned. I sent Venmo my ID information before the account was banned. I have reached out but Venmo will not reactivate my account which also has money still in it.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to Experian to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA, 605B ( 15 U.S.C. 1681c-2 ) Experian is required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., 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: Debt collection

To Whom It May Concern, The reason for my dispute is WILLIAM RUSH & ASSOCIATE # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, WILLIAM RUSH & ASSOCIATE # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section XXXX07 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) WILLIAM RUSH & ASSOCIATE # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA , with {$1000.00} per violation WILLIAM RUSH & ASSOCIATE # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where WILLIAM RUSH & ASSOCIATE # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. WILLIAM RUSH & ASSOCIATE # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Mortgage

PHH Mortgage Services - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX Loan balance reached the 78 % threshold but it was not automatically removed as stated on their website or in accordance with Homeowners Protection Act. Since I was still being charged PMI, I requested the PMI to be cancelled to which I received a letter stating my property was in a FEMA declared disaster occurred in the last 24months. When I reviewed the NJ FEMA website there was no item that occurred in my zip code so I called PHH to inquire what event this was specifically. They said as long as it happened in the state a valuation will be required at my expense. This is clearly a dishonest practice as if they truly cared about property damage they would ensure the location of these events not just a statewide umbrellas cover.
Product: Mortgage

Our VA mortgage was handled from XXXX by XXXX Servicing with no problems XX/XX/XXXX XXXX sold our mortgage to Carrington Mortgage Services LLC . 
Once Carrington assumed our mortgage, we adjusted our automatic bank payments to go to Carrington. On the last day of each month our payment in the amount of {$4400.00} was transferred to Carrington without issue. Approximately two-weeks ago ( XXXX ) we received an undated notice from Carrington projecting that our escrow account would be short by {$1600.00} over the next 12-monthXXXX. We were given the option of paying the shortage upfront or paying an additional {$100.00} in future monthly mortgage payments. On Saturday XX/XX/XXXX at XXXX XXXX I received a call from Carrington Mortgage telling me our account was in arrears. This was not possible as my automatic payments reflected : XX/XX/XXXX {$4400.00} payment to Carrington = XXXX payment XX/XX/XXXX {$4400.00} payment to Carrington = XXXX payment Since that phone call my automatic payment of {$4400.00} was also transmitted on XX/XX/XXXX. 
In order to ensure the project escrow shortage for next year on XX/XX/XXXX I also transmitted an additional payment for {$1600.00} to Carrington.

Yesterday I received my monthly mortgage statement from Carrington. In the statement documented XX/XX/XXXX it acknowledges receiving my XXXX payment of {$4400.00} BUT THEY DID NOT CREDIT THIS TO MY LOAN! The document instead lists my {$4400.00} payment as " Unapplied funds ''. On this same document the statement indicates I still have a credit escrow balance of - {$520.00}. When I attempted to call Carrington Mortgage, the recorded voice on their phone XXXX informs the caller this a COLLECTION AGENCY! 
I suspect that Carrington Mortgage is intentionally refusing to apply my monthly payment to my home loan in hopes they can foreclose on the loan simply because we are one of the fortunate people who refinanced in XXXX when the interest rate was only 2.25 %. I can imagine any mortgage company would prefer to rid themselves of these low interest home loans to free up funds to use for new mortgages going at >6 % interest. Can you please help me by reporting Carrington 's bad practice and protect me so that all past and future payments are appropriately credited to my loan? Many thanks!
Product: Debt collection

XXXX XXXX XXXX is attempting to collect a debt that I do not owe. I took out a loan at XXXX XXXX  and decided to not go through with the procedure. I emailed XXXX XXXX and received a email, confirming that the loan was canceled.
Product: Debt collection

I went in-person to cancel my membership with XXXX and signed the cancellation form effective XX/XX/XXXX. This was the only way to cancel the membership as relayed to me by the employees. The form showed no fees due for the cancellation, as I terminated this within 1 month of the next installment. On XX/XX/XXXX, I received a debt collection from Aldous & Associates claiming I owe XXXX {$24.00} for a defaulted installment contract. This is the first time I received anything in writing regarding this claim ; prior to this, I never received a notice from XXXX about this claim, and never got the opportunity to dispute this before it went to collection. 

I called the creditor attempting to dispute this claim ; however, the representative was not interested in my dispute and never offer me an option to process the dispute with them. He said I didn't cancel my membership in writing. He was insistent on trying to get me to pay the debt and threatened he'll report me to the credit companies if I didnt pay.
Product: Debt collection

Hello, I have a judgment against me from XXXX XXXX, Florida filed by XXXX XXXX, P.A in 2018 representing two XXXX credit card debts. 

One is XXXX, the other is XXXX... proximately. 

The issue I have is that during the past years, they have sent me several settlement offers which I have accepted XXXX times now but they are just " tossing '' me around by phone when I am asking to finalize the offer that I accepted. Last week my bank account got garnished leaving my bank account empty with XXXX dollars. I am a single dad with a XXXX XXXX XXXX daughter, and now we have XXXX $ and I don't even know what to do. I have called an attorney this morning, but since I have XXXX $ there is nothing I can do since they need to be paid. ( I don't qualify for free legal service ). 

This was not the first unfear and unethical action from this debt collector. They have wrongfully garnished my ex-wife 's account years ago when I had to hire an attorney to get the money back. 

This debt collector doing its job, however, they are manipulating and misleading, giving missed information and since their offer was accepted by me three times over the phone, at this point this is abusive. Any time I call, they listen to me, and they say they will get back to me but never happens anything. 

I really could use some help here, hopefully, you guys have something for me, and maybe I can help others who became the victim of Modlin 's harassment, abuse, misinformation, and manipulation.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

For about two month now I have been calling H & R accounts located in XXXX XXXX IL. I have continuously called multiple times in regards to an itemized letter Of each service I am being collected for. The first time I called they said it would take about two weeks and nothing I called again they said it usually takes more than two weeks nothing its been more than two months and I havent received an itemized letter of the medical debt that I owe. If they can not provide this information to me then why am I being held for collections
Product: Debt collection

Everyday since mid XXXX calls are being made to myself, XXXX XXXX XXXX. Even when anyone tells them they have wrong number or not call, the calls are continuously happening on daily basis to individuals whom are not me. I did not sign any documentation for any company to release my personal information to second or third partys. There isnt any documentation that releases or gives personal information ( phone numbers ) to be utilized for any personal business of mine. I have not received any legal documentation via address on file of any debt from this company. I do not have any legally signed contracts or knowledge of who this individual is. A email was received but it looked fraudulent or scam. No address of company was provided, multiple different phone numbers ( via calls ) & on documents dont match.
Product: Consumer Loan

I recievd a personal loan from onemain financial. I paid the loan off in XX/XX/XXXX and recieved a congratulations on pay off letter. The next month the office is calling me saying i have n't made my monthly payment. I told them i had payed it off and sent them the letter and bank statement. They continued to call and call. Next thing i know is collections is calling me stating im late on payment. I have sent them everything I know to send.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft my information was leaked on the dark web by XXXX Im in the process of going through arbitration, my information has been compromised and used to establish fraudulent accounts in my name, I want this account with XXXXXXXX XXXX removed from my credit report, or I will seek arbitration to recover damages from this account being open, all my identifying information has been leaked I can provide evidence of that data breach and my information being compromised, example the IRS now considers me a victim of identity theft because someone tried to file a fraudulent tax return in my name try to defraud the government out of thousands of dollars to also show you i filed a police report against XXXX XXXX also because Im identifying information was used to open accounts in my name and a detective guy said numerous accounts were open im just showing you that I am in fact a victim of identity theft .experian please remove these accounts, i have sent a police report showing I am a victim of identity theft, i have now started arbitration against XXXX XXXX and XXXX for compromising my information im sending attachments so you can see I have did my diligence with this situation im also up loading a letter from thf IRS letting me know that I am a victim of identity theft someone tried in XXXX of 2022 to file a fraudulent tax return and tried to defraud the government out of thousands of dollars now I have to use identity theft pin so when I file taxes I have to use that pin so I can identify myself, please remove these accounts XXXX XXXX from my file , Im also showing I have demand for arbitration against XXXX for compromising my information and leaking it on the dark web .my information is on the dark web I can not get that information back and now Im suing XXXX  because my information has been used to open and establish fraudulent accounts in my name .please remove XXXX XXXX, XXXX XXXX, navy federal credit union
Product: Credit card or prepaid card

I applied for a CitiBank credit card after receiving a mail promotion that stated purchase transactions would be interest free for 18 months. I have been using the card and went to review my statement and saw the the promotion is only 12 months long. I called Citi on XX/XX/20 when I noticed to clarify this and was told nothing could be done. I requested that they send me a copy of the mailed promotion that led me to apply for the card and they said they could only send me the terms and conditions of the card.