23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH Mortgage Services We are trying to refinance the loan and combine with first mortgage as loan was maturing in XXXX. 

Unfortunately XXXX happened and our family was infected with XXXX in late XXXX before the loan came due. 

We immediately tried to refinance with the company and combine with our first mortgage but be were unable to complete the process because of the virus. 

After speaking with the company and asking for assistance, we tried to make monthly payments online but they were not accepted after being instructed by a service rep. 

We then attempted to refinance with another company but XXXX had marked us in default even though we were told them were were have difficulties due to XXXX we should not be marked late ( or anything that would negatively impact us XXXX. 

XXXX then sent us a bill for {$1400.00} which was sent with check # XXXX. This check was sent back. 

Now they are asking for XXXX, which they say we can't pay and should ignore there attempts to bill us monthly. 

After to many HOURS to count on the phone with XXXX, I have been told about the default, forbearance, forbearance disaster relief, that we were rejected for relief, that we were rejected the CARES act protection, that they will not remove the default, that a investigation has already been done, that nothing can be put in writing, then someone said they would send a letter that we dont qualify for a credit retraction ( but we were disconnected and never received ), to send our credit report to XXXX, to not send it as nothing can be done, that default was not reported, etc ... Every call gets a different response. 

Now, we are unable to refinance the loan with the negative impact on my credit. We were never late in 15 years and have made every attempt during these times not only to stay current but to refinance. 

Please help. If this is happening to us, it must be happening to others.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX  XXXX XXXX Inquiries : XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will also file with the CFPB and FTC! This is unacceptable!
Product: Student loan

I consolidated my loans in XX/XX/XXXX. I had made payments of {$320.00} per month from XX/XX/XXXXto XX/XX/XXXXwhich totaled approximately {$46000.00}. My original loan was {$40000.00}. In XX/XX/XXXXI called Navient and asked why my principle had not been paid down after 12 years. They were not able to provide me with information that made sense. I was frustrated and told them that I wanted to change service providers. They told me I would have to consolidate again in order to change service providers. I had just lost my job and was feeling overwhelmed. I consolidated again, losing {$46000.00} paid in interest. Then I received a letter stating that after my consolidation Navient was again assigned as my loan servicer. I called and asked how that could be legal and the representative laughed and said, " Well, it is ''. I have continued to make payments of {$320.00} a month from XX/XX/XXXXto present. I have only paid down {$1200.00} of my principle and owe the same amount that I borrowed after paying Navient over {$80000.00}. I asked for a printout of my payments. They monthly payments go to interest, capitalized interest and " Administrative Forebearance ''. Basically each monthly payment disappears into a void. 

Was it legal for Navient to tell me to consolidate in order to change service providers and then assign my loan back to itself, basically stealing all of the interest, capitalized interest and other fees that my payments were applied to?
Product: Debt collection

Received a notice from " Allied International Credit Corp '' indicating that I owe {$37.00} to XXXX which has been referred to ALC for collection. 
In fact, I have not purchased anything from XXXX in several years. They are also using a name which I do not typically use for purchasing any items on the internet. 
I believe the letter is a total scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agency reported damaging information on my credit report and my rights have been abrogated. The students loans have been paid in full ; however, they still showing negative on my record. I would like to see this damaging info be deleted form my record. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am invoking my rights pursuant to 15 U.S. Code 1692c ( c ), I demand you to cease any communications and collection activity of this alleged debt. XXXX XXXX XXXX willfully failed to comply with the provisions of SUBCHAPTER V of the 15 U.S. Code Chapter 41 with respect to I the consumer and such failure caused damage to my reputation, credit-worthiness and credit capacity which resulted in adverse action being taken against me when I tried to obtain new credit during this pandemic, this has caused me financial injury and am pursuant to 15 U.S. Code 1692k they are now liable to me for such damages sustained due to their noncompliance. XXXX XXXX XXXX willfully failed to comply with the requirements imposed under SUBCHAPTER III of the 15 U.S. Code Chapter 41 in respect to I the consumer and am aware that they are now liable in the amount of {$1000.00} pursuant to 15 U.S. Code 1681n ( a ). Fact, I the affiant am invoking my rights pursuant to 15 U.S. Code 1692K and 15 U.S. Code 1681 ( n ) and make a demand for monetary relief for the violations and actual damages caused to I the consumer due the willful noncompliance by XXXX XXXX XXXX. I am demanding monetary relief for the damages above or I will file suit in federal court within the next 30 days if my demands are not met. This is not a negotiation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The line of credit that was extended to me between the consumer, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX clearly states that the report of transactions or experiences between the consumer and XXXX XXXX XXXX XXXX is not included on the consumer report, you have violated 15 USC 1681a ( 2 ) a1. By reporting this transaction, you have ten ( 10 ) calendar days to update my utilization to five percent ( 5 % ) or below or delete all utilization from the account listed below : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Faulire to respond satisfactory with deletion of the above utilization will result in legal action being taken against your company for which I will also be seeking XXXX XXXX XXXX XXXX ( {$1000.00} ) per violation, deformation of character, negligent non-compliance, civil liability, XXXX  XXXX  on the Fair Credit Reporting Act, ( FCRA ), 15 USC 1681 for violations under willful non-compliance section 616 civil liability 4 will fold on compliance 15 USC 1681n. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was recently denied credit on ( XX/XX/2023 ) due to numerous inaccurate addresses being on my Experian credit report. The inaccurate addresses are : XXXX ) XXXX XXXX XXXX MI XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX ) XXXX XXXX XXXX XXXX MI XXXX I do not recognized these addresses nor have I ever lived at these addresses.

According to the 15 Usc 1681s-4 states 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.

I have a enclosed a copy of my residential lease aggreement along with other supporting documents that show proof to my claim. Please delete these inaccurate addresses because they are harming my creditworthiness and Financial Standing.
Product: Credit card or prepaid card

Capital One closed my credit card in XXXX. I filed multiple disputes and they sided with the merchant. I have a credit on my account for {$160.00} and they still have not sent me a check or sent the money back to my checking account. They are trying to STEAL my money. Send me my money, Capital One. I shouldnt have to file a complaint to get it. Youre the worse credit card company out of all of them!
Product: Credit reporting or other personal consumer reports

I ATTEMPTED TO REACH THE COMPANY AND WAS UNSUCCESSFUL VIA TELEPHONE, COULD NOT REACH THEM. I WANT THIS OFF MY CREDIT REPORT.
Product: Mortgage

I have been trying to obtain a XXXX home mortgage loan for roof repair from Wells Fargo. They declined saying I was " late '' in making payments in the fall of 2013. This is not true. During that period I underwent a loan modification process and during that process WF specifically advised me to not make payments. 

More importantly, last week I sent you an official print out of my payment history to Wells Fargo that I received FROM THEM. It shows NO late payment in the fall of 2013. 

I have also sent this official print out to the XXXX credit reporting agencies so they can correct their reports. 

Therefore, Wells Fargo should stop lying and grant me a mortgage loan for roof repairs. 

thank youXXXX XXXX
Product: Debt collection

attempting to collect 30 % collection costs, no agreement. 

collecting an invalid debt, debt does not exist.
Product: Mortgage

Selene Finance took over service of my loan in XXXX. Loan # XXXX. I was previously in Chapter XXXX Bankruptcy that was discharged in XXXX. Selene Finance refuses to acknowledge the bankruptcy discharge despite my sending documentation from the courts. They have refused to communicate with me regarding details of my loan without hiring an attorney post discharge of the bankruptcy. I was required to pay an attorney to get a payoff amount. I have paid off the mortgage and now have not received the mortgage lien release. I have been advised by customer service that I need to hire the attorney again. I have not been represented by an attorney since XXXX. I fully consider their actions to be predatory. I I have to hire an attorney again, it will be to file suit.
Product: Checking or savings account

I'm a XXXX father XXXX XXXX XXXX XXXX. It sometimes takes me a few day weeks sometimes months before seeing a fraudulent charge. I caught 3 charges reported them and was denied. Finally figures it how to get ahold of the merchant and was able to get them to return my money. Merchant gets back to me 1 week later saying they have tried but was denied by my bank. Sent emails to my bank showing them they were wrong and that the merchant was trying to return my money but they ( the bank ) denied the return. My bank tells me they will appeal the dispute decision. Even with emails from the merchant stating the return and being denied my bank still refused to let them return it or refund me them selfsame. I'm out {$120.00} because of this and multiple jobs because it has left me where I could put gas in my truck and lost out on multiple jobs. I'm a veteran and I'm sry I didn't fight for this country to be able to do this to someone.
Product: Debt collection

Today, XXXX/XXXX/XXXX, I received notification through my credit monitoring company that Commonwealth financial listed a collection report for XXXX. I have never heard of this company before ( nor have I ever heard from them regarding debt ), and they do not list what the debt is for. However, after further investigation, I noticed that this collection agency is not licensed in the state of Florida to attempt to collect debt. This must be removed from my credit report immediately. 

Collection Agency COMMONWEALTH FINANCIAL Address XXXX XXXX XXXX, XXXX XXXX, PA Business Type Collection Services
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports provided by Experian. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX 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 XXXX XX/XX/XXXX
Product: Student loan

Ever since my XXXX student loans came due in XXXX 2015, Wells Fargo has consistently misapplied my full amount payments to only XXXX or XXXX of the loans, and then charged me late fees for the remaining balance. This has happened whether payments were made in a branch, through the app, or over the phone. By the time I discovered these mistakes made by Wells Fargo, late fees had already accrued. These late fees have not only caused a lot of hassle, they have also caused significant drops in the credit scores of both me and my parents, because when these " accidents '' are made, and account are mistakenly shown as past due, this information is then forwarded to the credit reporting bureaus. 

Additionally, because over XXXX loans, my interest averages out to a little over 10 %, I applied for a modification in an attempt to lower my monthly payments of {$890.00}. I was informed that, along with my parents as cosigners, we made too much to qualify for a modification. We then went through the process of applying for a student loan consolidation. After Wells Fargo lost my parents ' submitted information multiple times, we were finally denied the consolidation by receiving an email informing me that I still required a cosigner to qualify. When I called to ask if this was a mistake, as I had submitted my parents ' information multiple times, they informed me that, between my parents and I, we did not qualify for a consolidation, not only because our credit scores had dropped ( in no small part due to misreporting accounts as past due, when they had, in fact, been paid ), but because we did not make enough. 

As of this morning, I received an email from Wells Fargo informing me that I was past due on XXXX of my XXXX accounts. This last month, in an attempt to avoid any issues with Wells Fargo for the first time in over a year, I made my payments two weeks early, through the app, and paid on each account separately. After a fifteen minute phone call, I was informed that, once again, a mistake had been made by the app, and the payments were only applied to XXXX of the accounts. The person I spoke with assured me, as I have been assured every month for the last fourteen months, that a flag would be placed on my account so that a person would manually make sure that my payments would be applied correctly. 

Wells Fargo has just settled with the Consumer Financial Protection Bureau for misapplying student loans payments so that they could charge more late fees, even when payments have been made properly. At this time, I currently have an outstanding balance of {$88000.00}, with {$220.00} in late charges. I do not look forward to having to call Wells Fargo again in XXXX when they most likely " accidentally '' misapply my payments for the fifteenth time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$690.00}
Product: Mortgage

This company increased my monthly payments by more than double by adding an escrow without my consent. When I reached out to them by mail on XXXX XX/XX/XXXX as to how such a mistake could have happened, they sent me a letter dated XXXX XXXX that says that they do not see a mistake an explained that they had paid a property tax bill on my behalf, again without my consent or knowledge. That letter also says that the payments I have made, which include the XXXX XXXX XXXX I have been paying since the inception of this loan in XXXX, but not the escrow add-on, are being held in " suspense, '' which I take to mean they are accepting the payments but just holding the money instead of applying it to my loan balance. The same day ( XXXX XXXX ) I received this letter, I also received another letter from them dated XXXX XXXX that threatens me with foreclosure unless I pay them a large sum of money XXXX days from that XX/XX/XXXX date. If they do not receive that payment by XXXX XXXX ( which at this point is basically impossible even if I thought it was a valid thing to do ), the letter says they " may '' commence foreclosure. 

In response to their XXXX XXXX letter, I also sent them another letter on XXXX XXXX disputing their determination that there was not an error in increasing my payments. I explained to them that the tax payments they say they made on my behalf were not correct, and provided them with documentation showing that I paid my property taxes in full and on time during the interval in question. ( This documentation was also provided to the tax collector on XXXX XXXX. ) I have not received a response to this letter yet. 

I also sent the loan servicing company another letter on XXXX XXXX to reiterate that i am disputing the amount they say I owe and asking for the contact information of the actual mortgage holder. I sent this additional letter because there seem to be XXXX XXXX  XXXX boxes involved and I wanted to be sure that both parts of this company understand that I am disputing their claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Previous complaint : XXXX ... .was not resolved. When I thought all was good. Account was re-opened. Sent my ID, email and current address. It stayed open maybe two weeks or so before it happened again. I firmly believe the hack was inside job. Only way to get any resolution is through email. Chime denied my dispute of returning {$400.00} of my money. If I did not have any access to my account during the the time of the hack. How in the XXXX can I use it make purchases? And why would I. I have an Android not an XXXX. 
Chime closed the checking and XXXX XXXX XXXX  Credit Card which damaged my credit without my knowledge. My balance was negative, in a Spot Me feature Chime gives as an Overdraft cushion. They knew I pay it back every pay day.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off this loan in full recently I know this company takes a long time to report it and I need to have this account to be updated as paid off in full to the credit bureau and never borrow from this company again. 

Please report this XXXX balance loan to the three major credit bureaus thanks you