23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We started the loan modification process XX/XX/2019 with XXXX. We were turned down but re-applied with more income information. We contacted ( or  tried to contact ) XXXX numerous times, but the loan modification was not resolved by XX/XX/XXXX when PHH took over. Our loan payment has jumped from about {$1600.00} a month to approximately {$3200.00}. 

We followed instructions to wait 7 days after XX/XX/XXXX to contact PHH. Here is what happened from XX/XX/XXXX until today, XX/XX/XXXX : XX/XX/2019 Called re loan modification and PHH login help. Couldnt log in. The person I talked with said theyd connect me with the website people but after about 20 or 30 seconds, the call ended. Didnt get the reps ID. 25 minutes XX/XX/2019 Called again to try to talk to website people. On hold for 8 minutes so I am calling another customer service number XXXX-XXXX-XXXX  Spoke to XXXX, ID XXXX. He tried to transfer me to our relationship manager. RM didnt answer. 

XXXX said only our relationship manager, XXXX XXXX, can talk with us, no one else. Suggested calling Monday because XXXX doesnt work on Saturdays. XXXX-XXXX-XXXX, ext XXXX ( which turned out to be the wrong number ). 

Next I talked with a web person ( XXXX XXXX ) because I had trouble logging in. Fixed it. 30 minutes. 

XXXX-19 Called for XXXX XXXX, but he wasnt available. Scheduled appointment for Tuesday, XXXX-19. He will call between XXXX and XXXX XXXX. 

XXXX-19 No call from XXXX XXXX. Sent him an email. Called again. Spoke with XXXX ( ID XXXX ). She said XXXX XXXX extension # is XXXX, not XXXX as XXXX told me. Got shuttled back and forth. Spoke to XXXX ( ID XXXX ) who tried to put me through to XXXX XXXX. Spoke with XXXX ( ID XXXX or XXXX ). Asked to speak with supervisor. XXXX emailed the supervisor and someone is supposed to call within 24 hours. Spent about 90 minutes on the phone. 

XXXX-19 No call from XXXX XXXX or anyone else. Its now XXXX XXXX in New Jersey. 

Logged into our PHH Mortgage online account and tried to access the Homeowners Assistance Portal, but that apparently takes a DIFFERENT password which I dont have. I got this message : You are about to access a secure website that will help you submit and process your request for assistance with your mortgage - i.e. loan modification, short sale, etc. By clicking 'OK ' you are leaving XXXX and entering a website owned, controlled and operated by a third party. This link has been provided for your convenience for submitting information for review. 

I understand this is a transitional time, made worse by the layoff of 2,000 employees when XXXX and PHH were combined. We can not get through to anyone to resolve this issue. We would like to escalate the request and request a temporary forbearance for a few months and be allowed to make our former payment amount until this all gets sorted out. Thank you.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/year>, I received a special notification email from Westlake Portfolio Management offering to settle my account balance with a one-time payment of {$1400.00}, after which the account would be considered settled. The following day, XX/XX/year>, I contacted the company to accept the offer. During the discussion, I negotiated to settle the account for {$1000.00}, as that was all I could afford to pay at the time. I understood that by making this payment, my account would be marked as settled with a {$0.00} balance. 
However, instead of updating the account to reflect a settled status and {$0.00} balance, Westlake Portfolio Management deducted the {$1000.00} from the original balance, leaving the remaining amount as due. This is misleading and does not align with the agreement we made. I made multiple attempts to speak with XXXX XXXX, but I was repeatedly given the runaround. Despite my efforts, he never came to the phone or returned my calls. 

Additionally, please provide me copies U.S. AUTO FINANCE, INC, The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing / leasing of this vehicle. Please be sure to include any arbitration provisions.
Product: Credit card or prepaid card

I have a credit card through Continental Finance. I have one of their XXXX Mastercards. The problem I have is keeping up with payments. Every payment I make gets ate up by their absurd interest rate, fees and charges. This is a predatory company that preys on people like myself that find themselves in dire financial straits and don't have the best credit history. My current limit on the card is supposed to be {$700.00}. But I have gone over that limit and now every month my it seems like my minimum amount gets raised more and more. Not just that, but these vultures also keep increasing the total amount. Instead of {$700.00}, I now owe them almost {$1000.00} in total. I have no problem with them increasing my minimum payment, but I can't keep having them increase the total amount I owe. I have missed a few payments because I can not keep up with the avalanche of debt they keep throwing at me. No company should be able to treat their customers this way. I have no problem going back to our original arrangement, where I was paying a minimum of {$35.00} per month, but they can't expect me to keep paying XXXX XXXX dollars one month and XXXX XXXX the next.
Product: Credit reporting

I have a line of credit through XXXX in the amount of {$1900.00}. This credit line is not reported on any of my XXXX credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Product: Debt collection

Capital One Bank ( USA ) has sold debt to XXXX XXXX XXXX on XX/XX/XXXX. This is the 3rd or 4th time Capitol One has sold this same debt. 

I have sent XXXX XXXX XXXX a DEBT VALIDATION REQUEST on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). it was sent certified mail receipt # XXXX. XXXX XXXX XXXX has continued to call me from numerous out of state phone numbers. 

PRIOR to this, I was contacted by a debt collector about this debt - a debt which is owned by XXXX XXXX XXXX. This OTHER debt collector is named XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX XXXX Ohio, XXXX. I ALSO sent a DEBT VALIDATION REQUEST to XXXX XXXX on XX/XX/XXXX pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ). XXXX XXXX DID NOT RESPOND to this debt validation request whatsoever. 

Instead, XXXX contracted to XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX Utah XXXX. I ALSO SENT A DEBT VALIDATION REQUEST TO XXXX XXXX XXXX on XX/XX/XXXX by certified mail pursuant 15 USC 1692g Sec. 809 ( b ). XXXX XXXX XXXX did not respond in writing. Instead, XXXX XXXX XXXX sent a CD which was not readable and in DID NOT COMPORT to a written response to validate the debt pursuant 15 USC 1692g Sec. 809 ( d ). 

This debt is owed by XXXX XXXX XXXX  - yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) continues to make unwanted contact after being requested in writing on XX/XX/XXXX to both CEASE CONTACT and VALIDATE A DEBT pursuant the legal statutory USC of the FDCPA. 

Today is XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX attempted to serve a summons at my home address DESPITE NO LEGAL OR LEGITIMATE CLAIM FOR DEBT COLLECTION ON BEHALF OF XXXX XXXX. Further, XXXX XXXX XXXX XXXX XXXX has both inflated the value of the debt, refused to comply with a XX/XX/XXXX written request under the FDCPA to validate the debt and prove they are the owners of the debt on behalf of Capital One Bank. 

I did not accept the service of the " SUMMONS '' at my residence. Instead, I witnessed the process server go to my neighbor 's house and tell them I owed a debt before the process server left the summons on my doorstep- invalidating the process. 

MY COMPLAINT : XXXX XXXX XXXX XXXX XXXX is initiating legal service to collect a debt that is not owned by XXXX XXXX XXXX and which there is no obligation. XXXX XXXX XXXX XXXX XXXX refused to validate the debt and continued to make contact -has improperly and illegally filed a summons for a debt owed by XXXX  XXXX XXXX XXXX 

This is harassment and an abuse of process to deliver a summons to collect a debt that is not owned or serviceable by XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX client, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to XXXX was the result of their non-compliance to my request and frothier refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft so i thought until i tried time after time credit repair after credit repair dispute after dispute to remove items that are not mine and are reporting in correctly. I have attempted for now 2 years to get these items fixed however with no success. I have submitted disputes with transunion, XXXX and XXXX. I have advised them that I have not had any inquiries in the past 8 years so for anything to show up on my credit is false. My last attempt was on XX/XX/2020 i in efforts to dispute the inaccuracies submitted another letter and have yet to hear back from XXXX and XXXX however transunion sent the 4th postcard saying that my documentation can not be used. how is this when its one of the acceptable items to verify my address which is my utility bill. PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Bank of America XXXX on XX/XX/2018 Spoke with three different departments. Very helpful all three departments. 
Ended up with the Charge Off department. 
My question to her what and why a Account Charged off? When each month for the last three years a reacurring payment were paid directly to the collection company. 
Twice once from the Company and one from the Collection Company to neogiate amount that is due. My reply to both was no it is my debit and I need to pay them off. 
Account Charge off defination from Bank of America, " Any Account that has become deliquent ''. My understanding of Charge Off is the amount that was agreed by me and the company to write off, which would generate a XXXX Cancellation of Debt. 
Interest being low I was looking to modify my Mortgage. After speaking with the Mortgage Company their concern was the write off and no payments being shown. 
Balance due changes with my payments. But no payments are shown. Report shows " 0 '' payments received for the past three years. This is incorrect and if needed I will send copy of bank statements showing all my payments. 
The Bank Of America with this statement on my Credit Report has caused me very large problems. They might of Charge off the Account, but I feel they are not reporting the correct information when they do not show all of my payments.
Product: Mortgage

Under the current unforeseen and extreme circumstances we are living through, I decided to call my lender United Wholesale Mortgage , XXXX for assistance. I was hoping to delay my mortgage payments for 2 to 3 months since all my jobs have been put on hold. They offer what they call Payment Forbearance. The idea behind it is that you do not have to pay your mortgage for up to 90 days, but at the end of the Forbearance period, you would owe all the payments at once. They do offer the option to then make one payment, or make a payment plan. Now, let 's think about this for a minute. How is this of any assistance to anyone under financial hardship? This plan is based on the assumption that at the end of the pandemic, if the effects last only 90 days, people will have the ability to produce 3 times the amount of income, or let 's say 120 % of the income to meet a payment plan and make sure the # 1 lender in the country doesn't loose a penny or wait a few months to get their money? How is this allowed? How are this people not being controlled? Why is the government not protecting us from these ruthless financial institutions? 
I'll be filing complains with California, Michigan and the federal Government to start. We can be better than this. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reported a fraudulent account ( Creditor : XXXX XXXX/ Account Number : XXXX ) to Equifax, which is listed on my credit report. I explained to Equifax that I am a victim of identity theft and have reason to believe that the account was opened without my authorization during the Equifax data breach. I provided an FTC Identity Theft Report along with my identification to Equifax. They removed the account from my credit report ; however, they recently added the account back to my report without explanation.
Product: Credit reporting or other personal consumer reports

I am filing a dispute against Equifax for having invalid/fraud related information on my credit. There are several aka on my credit report. Only name on my report should XXXX  XXXX XXXX XXXX or XXXX XXXX XXXX. I want all other names remove There are also accounts and inquires reporting as well.
Product: Debt collection

I have no acknowledgement of this account. I have never received a bill an account opening letter, NOTHING!! The original company is XXXX. In which I have requested that I receive documented prove that I Myself opened this account. I am aware that proper Identification is requested at time of purchase of any cell phone service. And now Diversified Consultnts claims I owe {$560.00}
Product: Debt collection

After I filed a complaint with the CFPB about disagreement with the payment of the debt for the treatment of XXXX XXXX XXXX, a letter was sent from this hospital to my name, in which the representatives of the hospital argued the cost of paying my bill, and provided a copy of Universal Consent. Disagree with the provided answer. I consider the Universal Consent to be invalid and incorrectly filled out. In addition, I do not agree with the prices for my treatment and the arguments for justifying the prices. Below I will justify my claims and objections. 
I consider the Universal Consent to be invalid and incorrectly filled out. 
1. The copy of Universal Consent provided to me lists XXXX XXXX XXXX XXXX on the title page. The collection of my debt has been passed on to collectors at Harris & Harris , Ltd . According to a letter from Harris & Harris , Ltd., I am being charged by XXXX XXXX XXXX. 
This hospital is in the list of XXXX XXXX hospitals, however, the XXXX XXXX XXXX XXXX is ticked. 
2. When filling out the title page of Universal Consent, it is necessary to fill in the lines by hand, where all the data will be indicated with a full transcript : patient name, date of service, MRN, DOB. 
Neither my name, nor the date of filling out the form, nor the MRN is SPECIFIED!!! In the upper right corner of the agreement, only my account number, my first name, last name and my date of birth are printed on the computer. 
3. On the second page of the Universal Consent, in the signature of patient or authorized person line, the date of my signature is not in my hand ( I did not write it ) 4. In the line signature of witness, there is a signature of the witness without decoding his full data.

Apart from this, I have not seen any witness and do not know My disagreement with the prices of treatment and arguments for justifying prices. 

Based on the response provided, I am invited to familiarize myself with the prices for treatment displayed on the TRANSPARENT PRICING & FREQUENT ESTIMATE REQUESTS | XXXX 
I visited this site and I want to say the following 1. Prices on the website TRANSPARENT PRICING & FREQUENT ESTIMATE REQUESTS | XXXX. are as of XX/XX/XXXX. Due to high inflation and price increases, the cost of my treatment must be calculated at the time of my treatment, that is, on XX/XX/XXXX 2. In order to find out the cost of hospital services, you need to register on the site, provide all my data ( where I work, my SNN, my insurance company ). What's this? I, with a XXXX XXXX XXXX XXXX  XXXX, should have looked at the prices on the hospital 's website? 
3. The site XXXX is a public site. Prices for drugs and medical services are billed as an average of the cost in the whole country and the state of Illinois Based on the foregoing, I consider the Universal Consent to be invalid and incorrectly filled out
Product: Credit reporting, credit repair services, or other personal consumer reports

Those Accounts Are Not mine, I never authorized those Accounts to be opened. -XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/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: Mortgage

I delivered a notice of death to XXXX XXXX XXXX, XXXX. in connection to the deceased FHA mortgage borrower on or about XX/XX/XXXX. Thereafter, XXXX XXXX XXXX, XXXX. delivered a notice of default in name of the deceased on or about XX/XX/XXXX. Thereafter, XXXX XXXX XXXX, XXXX. filed a Notice of Foreclosure Sale and sold the FHA mortgage to the current investor or note holder of the FHA mortgage is XXXX XXXX XXXX XXXX XXXX XXXX, as XXXX XXXX XXXX XXXX XXXX I ; Carrington Mortgage Services , LLC is said to be the current servicer on behalf of the investor or trustee. Thereafter, Carrington Mortgage Services , LLC has continued to pursue an unlawful foreclosure on the subject property in excess of 4 years of the notice of default in violation of Texas Civil Practice and Remedies Code Section 16.035, amongst others. I delivered to Carrington Mortgage Services , LLC a Notice of Error and Information Requests ( QWR ) specific to its disregard to Texas Civil Practice and Remedies Code Section 16.035 on or about XX/XX/XXXX. Thereafter, Carrington Mortgage Services , LLC delivered a confirmation of receipt of that notice to myself and named the borrower in the name of the deceased on XX/XX/XXXX. In that confirmation letter Carrington Mortgage Services , LLC again disregarded the timeframe allowed for its response to the QWR when Carrington Mortgage Services , LLC alleged it would furnish a reply to me by XX/XX/XXXX. Likewise, Carrington Mortgage Services , LLC delivered a email communication to myself in regards to a notice of active foreclosure and further requested I deliver a written notice of my intent specific to the subject property on XX/XX/XXXX. Carrington Mortgage Services , LLC has knowingly caused me to lose 3 contracts for purchase of the subject property by its failure to release the lien in public record pursuant to Texas Civil Practice and Remedies Code Section 16.035. Furthermore, Carrington Mortgage Services , LLC has erroneously charged force placed insurance, said fees in connection to a foreclosure, said property inspection fees, amongst others in an attempt to extort money from myself.
Product: Mortgage

MY MORTGAGE COMPANY HAS BEEN REPORTING MY ACCOUNT TO THE CREDIT BUREAU XXXX FOR MANY YEARS. BETWEEN THE DATES OF XXXX XXXX AND XXXX XXXX OF THIS YEAR, THE ACCOUNT DISAPPEARED FROM THE XXXX REPORT. THIS ERROR IN REMOVAL OF MY ACCOUNT HAS CAUSED MY SCORE TO DROP DRASTICALLY. I CONTACTED THEM AND WAS TOLD THAT IT WAS BEING REPORTED EVERY MONTH. I CONTACTED THE CREDIT BUREAU AND THEY STATE THAT THE ACCOUNT DOES NOT EXIST. I HAVE WRITTEN DISPUTE LETTERS TO XXXX AND THE ACCOUNT IS STILL NOT APPEARING ON MY REPORT. IT IS AN ABSOLUTE ERROR! THIS IS AFFECTING MY CREDIT HEALTH. THE CREDIT BUREAU IS STATING IT IS THE MORTGAGE COMPANY 'S ISSUE. MORTGAGE COMPANY STATES THEY ARE REPORTING CORRECTLY. I HAVE PRESSING BUSINESS MATTERS TO HANDLE AND CA N'T AS LONG AS IT STANDS AS IT IS. ACCOUNT WAS OPENED IN 2004 - THE EFFECT OF THIS ACCOUNT DISAPPEARING FROM THE BUREAU, SHOWS I HAVE LESS OF A CREDIT HISTORY THEN I ACTUALLY HAVE. NO WHERE ELSE TO TURN. DISPUTES ARE NOT WORKING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Secured credit card with Discover, Paid {$1000.00} security deposit. Account closed by Discover and {$1000.00} security deposit applied to balance. Credit bureau 's state account closed, negative account, past due {$95.00}?
Product: Checking or savings account

I would like you to investigate my account for overdraft fees and late fees I dont believe its fair on my behalf to have to pay extra money I dont have .. please look into my account 24 months out however far back you can please and thank you.