23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, PHH Mortgage Services received my principal-only payment of {$1300.00}. I mailed a check accompanied by a statement stub explicitly identifying the payment as principal only. Also, I added a note on the check. PHH reduced the principal payment by taking out interest on the payment. This effectively pays PHH a portion of the payment and reduces my payment to the principal of my loan. This practice has had many negative impacts on me. It prevents my efforts to reduce my loan amount, increases the amount of interest owed on the loan, incorrectly states the 1098 interest reported to the IRS, and results in an inordinate amount of my time trying to get them to reverse what they have done. The primary reason to file a complaint is the recurrence of this by PHH Mortgage. I believe PHH Mortgage is intentionally misapplying principal-only payments from customers to increase their interest revenue. The very same practice occurred by PHH to a principal-only payment I made in XXXX.
Product: Debt collection

Midland Credit managemnent calls and has sent a letter stating that I owe them XXXX. I have told them numerous times that this account theyre calling about is not mine and I have never applied for them. I have spoken to them multiple times about invistigating this as fraud. They sent a letter that says attorneys are going to sue me for this debt. I dont know what to do and I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was broken into last year and my identity was stolen, and there are fraudulent account ( s ) and inquiries reporting on my credit report. I have reached out to the companies directly and the credit bureaus to solve this issue but have received no help in doing so. I attached the police report information and a FTC report to hopefully expedite this matter. This fraudulent information being on my reports is causing harm to my reputation with credit unions and banks and it is unfair that ir has not been removed despite my efforts. 

XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX XXXX - Fraudulent inquiry on XX/XX/2022 GM Financial - Fraudulent inquiry on XX/XX/2022 XXXX XXXX XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX - Fraudulent account showing on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- {$390.00} Balance On XX/XX/XXXX, I attempted to make a full payment to this account reporting on my credit report in attempt to settle to the account as paid in full. During this call I was told that I would not be able to make a payment due to XXXX no longer own this debt. Which makes the balance on my credit report inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2923, Credence resources added a derogatory mark on my credit report. Per My XXXX. 
Upon further research, this account was transferred, sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say its mine. According to the FCRA credence resources has violated my rights as a consumer. And Im requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

I've been trying to make a payment to my credit card and their not allowing or accepting payments.Their also refusing to close account and keep reporting to my credit a non-payment, even tho I've been trying for months and talked to them over and over.
Product: Student loan

My account was put in a forbearance, by Mohela, for " SAVE Recalculation Forbearance. '' In the letter Mohela sent to me, Mohela stated, " While you are in this forbearance no payment is required on your account and your interest rate will be set to 0 %. This means no interest will accrue while you are in the forbearance. '' That letter, with that statement, was sent to me on XX/XX/XXXX. My account balance on XX/XX/XXXX was {$74000.00}. As of today, XX/XX/XXXX, my account balance is {$74000.00}. How can that be possible if the interest rate was set to 0 % and no interest was accruing?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX willfully and intentionally reported inaccurate information on my credit report reporting the same account with the same balance twice under two different accounts. This has hurt my credit score twice as much for the length of time they have been committing this violation. I have already disputed and brought this violation of my right to both the debt collector and the 3 major credit bureaus. XXXX  has removed this account but XXXX  and experian continue daily to violate my rights by continuing to report this inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. states I have a right to Privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a Consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

the Following accounts are fraudulent : XXXX XXXX {$1200.00} XXXX {$680.00} XXXX XXXX XXXX {$870.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX ga XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

On XX/XX/XXXX at XXXX I used CashApp 's mobile check deposit feature to deposit a check for {$720.00}. 
CashApp has since taken the check but has NOT made the funds available to me. 
They refuse to tell me what's going on. They refuse to make the funds available to me. They refuse to cancel the deposit so I can take my check elsewhere and the account the money came from says it was cashed. 
They do NOT respond to their Chat complaints feature, which just keeps sending me a message saying I will have my funds in 4 days. That was over a week ago. 
They can not tell me when it will be available. They refuse to cancel the deposit so I can take my money elsewhere. 
And when I call CashApp, they tell me there's nothing they can do before hanging up on me, refusing to let me speak to a supervisor or manager. 
They refuse to even acknowledge my letters and emails.
Product: Mortgage

Our primary residence home was foreclosed on last year by Nations star Mortgage. During this process we made heroic efforts to accomplish a short sale and thus mitigate the loss to the lender, with no cooperation at all from them. They took title to the property and sold it within a short period of time. We have subsequently received an IRS XXXX for {$410000.00} which amount represents the entire loan balance. We feel that this tax liability is is error, and they refuse to correct it.
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 USC 1681. 
XXXX XXXX XXXX  # XXXX XXXX/XXXX  # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX/XXXX  # XXXX XXXX  XXXX  XXXX/XXXX  # XXXX 15 U.S.C 1681 section 602 A. States that I have to 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 of the following items of information, any other adverse item 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 ) : also states that 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: Credit reporting

I was due a small refund from my Indiana state taxes and due did n't file for it due to the small amount involved. Apparently the Indiana State Department of Revenue put a black mark on my credit report indicating I had not paid my taxes, when actually they were paid in full on time. When I found out about this I went ahead and filed the tax return requesting my refund which the state then sent me. Now however, I ca n't get them to take the negative off of my credit report which incorrectly states I did n't pay them {$2700.00}. The money was taken out of my regular paychecks and was never overdue. I believe the State has now corrected their records to show this but still needs to remove the inaccurate negative information from my credit report. They did remove it from one credit agency but has declined to remove it from Experian. I think someone has made a mistake here and would be much obliged for any assistance in getting this straightened out. Thanks for any help.
Product: Credit card

I prepaid for a lodging in full with a different banks credit card. Upon checkout the lodge demanded full payment AGAIN saying the first payment didnt go through. The second payment was made using a Citi card. I checked and the first payment DID indeed go through so I cancelled ther second payment with Citi. Its a duplicate payment and Citi refuses to refund me despite me showing proof I already paid the first bill in full and did not owe any money to the lodge. Citi must refund me
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX - Account Number:XXXX Account Name : XXXX XXXX  - Account Number:XXXX Account Name : XXXX XXXX  - Account NumberXXXX
Product: Credit reporting

I was told that late payments would be removed ; however it was n't, I paid bill in full. I never got a late payment notice till it was to late.
Product: Credit reporting or other personal consumer reports

In regards to complaint number XXXX their answer is that they need more time and I believe theyre saying 60 days. Section 605B of the fair credit reporting act specifically says that once an identity theft packet is received by a credit reporting agency and all of the documents are there which I have already provided a copy of in the above complaint that the credit reporting agency has XXXX business days to remove and block the information identified by the consumer as fraud. What company does is say that I either miss filed or that I received goods. Theres no way of them knowing those facts other than getting the information from the furniture of information, and then, providing the credit reporting agencies the same data that shows someone used my name to obtain goods that fraudulently and without my permission. This is the problem that they are allowed to continue to violate federal law by claiming ignorance. The law is written very specifically, and the timelines are very specific, and the credit reporting agencies know this, but again, the people who furnished the information are the credit reporting agencies, real customers that actually pay them to use their services. Reporting agencies have no interest in protecting consumers and following consumer protection laws, and only our concerned with helping their real customers who are the credit card companies and other furniture information. Im only filing these complaints to document their responses and theyre obvious disregard for consumer protection laws that include federal and state protection laws. I plan on filing legal action in the eastern district of California for multiple violations of the fair credit reporting act, willful injury, and willful. Disregard. Ive also been financially impacted and hurt because I cant even move into an apartment currently because my scores reflect all of this fraudulent information that Ive requested to be removed that they refused to remove the laws. The furniture information only confirm the debt when I appeal it with the same exact information that they used to open the fraudulent account in the first place. There is no new information provided. However, out of 10 or 15 counts that werent mine I can give XXXX example, XXXX XXXX, who actually possesses fingerprint evidence that was taken at the time that the account was open because the bill collector tried to tell me that they have your fingerprint on file when you open the account. I told the Bill collector that thats actually exculpatory evidence, and would completely prove my innocence because that fingerprint is not mine. The bottom line here is the credit reporting agencies choose to do whatever they want to do because theres no repercussions to what theyre doing. I would imagine that the majority of people that they steamroll and do this to dont have the means, or the know how to pursue legal action in court. There soon about to find out that Im not one of those people.
Product: Checking or savings account

Upon receiving from PNC Bank a notice of maturity of my Retirement account I brought this to my local banker at XXXX to have these funds transferred to a Retirement CD at their institution. He explained the Request For Transfer To An IRA form and even completed the necessary steps required that he was able to provide at that time. I was instructed to bring this form on the date of maturity - XX/XX/XXXX - to PNC Bank so that they could issue a check payable to XXXX in the amount of {$13000.00} plus any accrued interest.. On XX/XX/XXXX I provided PNC Bank with this information and was advised that their procedures to make this transfer was " not what PNC used XXXX '' After only glancing at the form I supplied the representative insisted that the check be made payable only to me. He quickly closed my account and, after deducting 10 % ( {$1300.00} ) as a DISTRIBUTION of funds had a check issued to me along with a Form W-R4 ( Withholding Certificate for Nonperiodic Payments and Eligible Rollover Distrubutions ), which was sent to the IRS. The next day I ran to XXXX to show them what had been done, and was told that it was urgent that I return to PNC so as to cancel the transactions and reissue the desired transfer. I returned to PNC and was advised that they performed their duties in the correct manner and would not revise any of the documents. Going back to XXXX I purchased a 7 month CD and opened a new account in the amount of {$12000.00} using the check provided by PNC. 
I am XXXX XXXX XXXX and obviously not bank literate, I continue to be stressed out by all of these transactions because I do not understand what has transpired. I only know that I have paid an unnecessary fee of {$1300.00} which will be reflected in my XXXX Income Tax and which might affect put me into a higher tax bracket and which might negatively affect the wonderful help I am received from the state of Pennsylvania such as XXXX XXXX XXXX  etc.
Product: Credit card

On XX/XX/year>, I logged onto Chase mobile app  and saw that Chase had closed my Chase XXXX XXXX XXXX credit card along with all my other Chase credit cards due to the closure of the XXXX  card. The only recent transaction was from my monthly rent in the amount of {$2300.00} made on XX/XX/year> which would have flagged the account. However, this was a legitimate transaction made to my landlord/property management company and is in compliance with Chase 's Cardmember Agreement. I request Chase to look into this matter and reinstate my XXXX credit card along with all my other Chase credit cards as this will severely impact my home mortgage loan application in the near future.
Product: Mortgage

XXXX XXXX 24 Preliminary XXXX XXXX Affidavit filed in XXXX XXXX XXXX courthouse to the successor of interest and estate of XXXX  father with a bogus listed for a named XXXX XXXX XXXX, XXXX Loan Documentation XXXX XXXX 24 Bogus phone number listed on letter from XXXX XXXX XXXX from lender acknowledging third party discussions even though once all parties contacted them ; they denied that they had permissions or that anyone else had been added to be authorized to discuss mortgage account.
Product: Mortgage

Although Fay Servicing is under the following consent order they have never offered any type of loan mitigation per this consent order as relating to the mortgage they allege I am responsible for : XXXX XXXX XXXX XXXXr : XXXX CFPB XXXX In addition XXXX XXXX Fay 's predecessor ) was under another consent order when they filed the foreclosure complaint against me in XXXX ( XXXX XXXX XXXX XXXX XXXX - Case # XXXX XXXX XXXX ) immediately after I requested a payoff amount again with no mitigation offered either prior to or post filing. 

XXXX also fabricated note documents and forged signatures thereon to enable unlawful collection proof for their benefit in these proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information and haven't got anything back within FCRA time frame of 30 days. fcra requires my credit report must be 100 % accurate.. I disputed these inaccurate errors XX/XX/2021 via certified mail with return receipts and still have yet to get a response. That is in FCRA law violation
Product: Debt collection

I contacted Midland Funding in XXXX 2015 and asked for proof of ownership of the indicated debt. Midland funding has yet to send me the requested documentation or put the account in dispute status. I want it removed from my report. I do n't see how they can just show up on my report and not provide the requested information. I have several copies of my report and they were not showing in previous years.
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 proctected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name 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 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 a 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 of the following items of information any other adverse item 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: Checking or savings account

Online message sent to Chase on XXXX XX/XX/2020. Promised a response in 1-2 business days. NEVER RECEIVED A RESPONSE ... XXXX
Product: Mortgage

PennyMac evidently will hire anyone off the street if they can recall the alphabet. That said, I have been chasing them for a week to update my home insurance policy so that they can do an escrow analysis and correct the monthly mortgage payment. 

It doesn't matter if you call or send a message through the portal, the response you get is from some maladjusted incompetent employee who absolutely FAILS to read your message then sends you some idiotic auto template that has nothing to do with the request. 

I am sick of PennyMac in general as are most of their customer base, but, If this is not straightened out within 30 days I will get another outrageous mortgage payment bill that will be incorrect simply because they don't know how to do their job. 

The issue : my homeowners insurance increased The solution : I bound a new policy with a better rate PennyMac 's Insurance Dept are incompetent. The only thing that they need to do is update and do a new escrow analysis. 

I am sick and tired of bouncing back and forth with their incompetent reps and need this resolved. I have requested a manager to respond THREE TIMES and this is being ignored.
Product: Credit card or prepaid card

On XX/XX/2020 I received automatic messages from Citibank fraud prevention department asking for verification of several transactions made on my account. I replied to those messages specifying that those transactions were not made by me and denying any acknowledge of the purchase amounts referenced on the text messages. Then, I received a call from a representative who asked me details about the transactions that did not look as regular transactions that I could have done, based on my purchase history. I answered on that call that I had not done any purchase with my card that day. I agreed with the representative that my account should be closed for security reasons, so he proceeded to close my account and a new account was issued and sent to me a few days later. The representative did not advised me to file a police report or contact any other office at the time.
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 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX 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 a 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 of the following items of information Any other adverse item 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: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against failing Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.