23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Select Portfolio Servicing has opened an escrow account charging outrages fees and charges. My original mortgage did not have a escrow in my mortgage loan documents in XX/XX/XXXX. Since this company is the 3rd or 4th to purchase or service my mortgage I've repeatedly called to get these excessive charges and escrow account fees, and escrow stopped and refunded. Each time I called them over two years I get a different missleading, answer. This week I spoke with three different people, three different answers.. One supervisor even said I don't have an escrow, when two other representatives told me I do in previous conversations during the same call. This same company placed lender based insurance and flood insurance at an excessive monthly amout ... XXXX flood and XXXX  homeowners, doubling my payment I was struggling to make. In XX/XX/XXXX I got a homeowners insurance and after numerous calls to Select Portfolio I was assured the day I uploaded the policy the XXXX would not be charged to my account - it is now XX/XX/XXXX and the have not removed the Lender based homeowners policy cost, they're explanation is now that they paid it quarterly and will continue to charge me, even after they guaranteed me this charge would quit ... How can a company charge me when I have coverage, and an excessive amount that makes my XXXX mortgage over 700.00 monthly. With each added cost, an escrow they put on my mortgage. Adding excessive charges they are setting leaders up for foreclosure. Each explication is different, theyre praying on poor people and my payments could be more manageable if they couldn't charge me for quarterly lender bases insurance. If I was informed during any of my conversations I would of and could of waited the quarter out and paid them, not paying twice ... .. They purposely mislead you, they even charged me in the past for taxes in this supposed escrow that I paid. I had to call and call, and fight and argue with this company for over two years to keep my home.. at this time I'm just two weeks late on one payment and they had a payment arrangement and still threatened me with default, and added additional charges in the escrow ... Each time I request they review my loan documents They want me to supply them ... I will not, this company should have the ability to look at a loan they are servicing, and follow the loan. I have repeatedly called and requested this, through this company, the past loan servicer XXXX and the one before. Until this month for many years I have struggled to keep my home, I now have a better paying job and will soon be caught up. Except for all the added Charges. I want the escrow removed I don't think it's legal to charge me Leander based homeowners for months I had coverage,XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. The sent me a letter, the flood ins charge was supposed to be XXXX, they are charging me XXXX  why? Fees, charges, fees, charges, escrow amount all this has doubled my mortgage and quickly forces me in default before I got my new job. They are rude, misleading, and seem like a bookie, charging me excessive amounts to set me up for them to own my home
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request restoration credit score To Whom it May Concern, On XX/XX/XXXX, I sent a letter regarding inaccurate and unknown on my credit report. I feel like I am being taken advantage of and being ignored by my disputes. Concerning a car that I purchased at XXXX XXXX Dealer, on XX/XX/XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX with VIN : XXXX, Financed by XXXX XXXX for amount of {$30000.00} for a period of 72 months, payment {$52000.00} per month. 

Unfortunately, the car is defective. The car suffered from a hidden defect was discovered the next day XX/XX/XXXX. I quickly noticed the failure. I am disappointed because after running on Highway at 50 miles, I received a noise Bing Bing Bing. There is something rubbing inside the steering wheel that spreads all around the steering wheel. 

To resolve the problem, I returned the Car at XXXX XXXX Dealer On Sunday XX/XX/XXXX. I would like to replace the car with a new one that's not defective. I negotiated for another car but the dealer refused. The dealer told me to go to a XXXX XXXX House to fix the problem. On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX One 's given to me an appointment is for XXXX month. I called the dealer, I look forward to his reply and a resolution to my problem, and will wait until XX/XX/XXXX. Effectively, the car was returned to the dealer on XX/XX/XXXX, XXXX, within 9 days of purchase. I cancelled the insurance ( XXXX ). As XXXX Car Dealer gave me the XXXX license plate, XXXX Car Dealer told me they will return the license plate to XXXX. I called the XXXX XXXX Bank that the car is returned and is in the hands of the dealer. The dealer never returned the license plate to XXXX New York. 
In a letter dated XX/XX/XXXX, Addressed to me XXXX XXXX has the vehicle. I want my credit scores restored because it has hurt me. I had a credit score of XXXX to XXXX, XXXX points to TransUnion and XXXX points to XXXX. There's inaccurate information on my credit report. I don't have late or missing payments, I paid my bills always on time. I keep my credit utilization ratio below 1 %. My credit limit has not decreased. I don't apply for credit cards. I have no derogatory mark on my credit reports. Why did my credit score drop? Seeing my credit score drop it May cause me some anxiety. It's for this reason I take this action to get my scores back up. I demand these inaccurate information be corrected immediately for ligation due to the stress you cause me. 

I am writing to you to dispute all these remarks of correcting a mistake on my credit reports from all my explanations given, I am required to investigate on my dispute. Because there is a mistake on my credit reports from XXXX XXXX which caused all these damages on credit score.
Product: Credit reporting or other personal consumer reports

I have the following accounts on my credit report that are documented as charged offs : XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have contacted each of the companies directly on numerous occasions, dated back to XXXX with no resolution to date. The most recent contact was XX/XX/XXXX. Each year I have been trying to get a copy of my 1099c since all three companies have stated that each account has been charged off/written with refusal to send me the appropriate information. This information has impacted my credit report and has been misleading to lenders and creditors. 

Listed below is a generic letter letter that I have submitted to all 3 creditors with no response : To Whom It May Concern, I am writing to formally dispute the current status of the above-referenced credit card account and to request the issuance of IRS Form 1099-C for the cancellation of debt associated with this account. This account was reported as charged off by XXXX XXXX XXXX XXXX, and I believe it qualifies for cancellation of debt reporting under the applicable Internal Revenue Code ( IRC ) and IRS regulations. 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 As stipulated in 26 U.S. Code 6050P, a creditor must file Form 1099-C when a debt is canceled or forgiven in an amount greater than  XXXX XXXX XXXX. The amount of the charge-off for this account exceeds { {$600.00} }, and it remains unpaid. Under these circumstances, I believe the cancellation of debt for this account should be reported to the IRS, and a 1099-C should be issued. Additionally, 26 U.S. Code 6050P ( b ) ( 1 ) clearly mandates that any debt canceled in excess of { {$600.00} } must be reported by the creditor. The cancellation of this debt qualifies under the relevant provisions of the IRC and IRS guidelines. I request that the Form 1099-C be issued for the XXXX tax year, and that it be sent to my address on record. I also reference IRS Publication 4681, which addresses the requirements for reporting canceled debts, including credit card charge-offs. The IRS requires creditors to file Form 1099-C in cases where the debt is charged off and exceeds the { {$600.00} } threshold. If there are any exemptions or reasons why this account would not qualify for reporting under the IRC, I request that you provide written documentation and supporting case law or IRS guidelines. I expect this matter to be resolved within 30 days from the date of this letter, and I request that the completed 1099-C form be sent to my address no later than XX/XX/XXXX, in compliance with IRS filing deadlines. Thank you for your prompt attention to this matter. Please confirm the status of my request in writing. Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have stopped automatic debiting of our checking account due to the changes in my household financially. I called them to let them know that I will be closing my current checking account and opening another and would let them know when i could resume my payments on my {$330.00} XXXX XXXX XXXX card. I called them in XXXX and since then they have called me 3 times. Very rude, threatening me, I have even told them the situation and they keep saying they were going to make a noteof it, but apparently they do not make a note since they keep calling me! I have every intention on paying off this debt but it will be a few months before I can because we are behind on some bills due to the transition of my husbands XXXX. This is not the first time I have had calls like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company did even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. 

According to 15 USC 1602 ( K ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such noticed may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. 

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since i was not aware of the transaction therefore made uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

I hereby request you do the below mentioned things, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  DELETE. THESE LATE PAYMENTS IN PURSUANT TO 15USC 1681a ( d ) ( 2 ) ( i ) From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

I hereby request you to do the below -mentioned things, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DELETE THESE ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) If you accept my request, i will not escalate this matter to Federal Court. in case, you dont accept the above request, a legal action shall be taken against your your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely XXXX XXXX XXXX Right Reserved Without Prejudice.
Product: Debt collection

was a victim of identity theft i had filed a police report # XXXX an ftc report XXXX XXXX over this fraudelant collection. i have XXXX XXXX for the last XXXX yrs if need be can be supplied if this matter goes to court
Product: Mortgage

The problem ( pt. 1 ) The HAF program provided mortgage assistance and as of today the funds do not show as applied. There was an approval of funds for XXXX and XX/XX/XXXX mortgage payments. PHH has not credited the XXXX XXXX payment as of today, XX/XX/XXXX. My mortgage payment is currently showing 28 days past due, as a result. 

Attached is confirmation that the payments have not been applied and an email from PHH that Delaware HAF has requested information on my account. Which confirms they received communication regarding the approved payments. ( I received the exact same communication from PHH when HAF approved the original request in XX/XX/XXXX ). 

The problem ( pt. 2 ) After the Delaware HAF requested total amount to bring the account current in XXXX of XXXX, PHH assessed additional charges in XX/XX/XXXX and tacked them on to the monthly payment. Further increasing the monthly payment and consistently keep the account from arriving to a " normal '' payment state. 

PHH has assigned my account to 3 different relationship managers in the past 3 months, non of which has ever contact me via phone or email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owned a XXXX in Florida and used it approximately 3 months a year. I used it as a snowbird. 
I signed up for a package deal with XXXX XXXX and XXXX for service. I advised that I was only going to use it when I was there. For the other months I would have to pay a fee to continue the service. I also told that I might sell the property. 
I was not there for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX because of Covid 19. I paid for when I was there and the partial fee for both companies.

I was there for approximately 6 weeks in XXXXXXXX XXXX XXXX XXXX XXXX 

When I left I advised that I was going to sell the properety. I had no problem with XXXX XXXX. When I left, I returned XXXX equipment with me and returned the equipment thereby rendering the use of the service useless. 
XXXX CONTINUES TO BILL ME AND THE SERVICE WAS NOT WORKING SINCE i HAD RETURNED THE EQUIPMENT. I contacted them but could not resolve the problem since the wanted payment even thought the service was inoperable.. 
I was contacted by a credit agency and they advised me that I OWED THE MONEY AND DID NOT RETURN THE EQUIPMENT EVEN THOUGHI had a receipt indicating that I HAD RETURNED THE EQUIPMENT. i also learned that XXXX HAD INCREASE THE monthly fee to about {$90.00} PER MONTH WITHOUT TELLING ME. 
Then AFNI BECOMES NEW COLLECTION AGENT AND CALLS AND HARASSES ME AT LEAST TWICE A DAY. 
I requested a monthly bill from when the service started which I have not receivede The woman I SPOKE TO WAS DIFFICULT TO UNDERSTAND. 

i SOLD THE PROPERTY FROM NEW YORK BECAUSE i was diagnosed with XXXX i WAS NOT IN FLORIDA LAST IN XX/XX/XXXX. 
Once before I had a problem with XXXX when they billed me for a phone that I retuned for over 3 months. 

I hope that AFNI SUES ME XXXX SINCE THEY HAVE EFFECTED MY OVER XXXX CREDIT SCORE. 
I will be looking for compensatory damages and substantial punitive damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 2 accounts from XXXX XXXX in the amount of {$620.00} and another account with the amount of {$460.00} over and over again because they are reporting false information all over the place.There are inaccuracies all over the place and I have dispute it several times and the account always comes back as verified well this last time I disputed I record over 15 yes over 15 letters from the creditor stating they did NOT know what I was disputing but they got my request to dispute information on the accounts. But XXXX  and transunion and XXXX always updates results saying the accounts were verified and accurate?? Whos the lier here. That makes no sense XXXX  .transunion, XXXX  doesnt even investigate disputes! Im tired of getting the run around over and over the place i have even sent in documents. Uploaded them online showing proof that. Collections agency has my account I get debt letters sent to me. This is not fair name being the consumer and they report false information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my credit report from car dealerships from different financial institutions such as XXXX XXXX XXXX XXXX  and hard inquiries that I did not authorize and are unfamiliar with. I have been receiving harassment calls from different third party debt collectors that I have never signed any contracts with and have completed a detail summary to the police station in regards to my identity being compromised through XXXX and XXXX. I would like all inquiries to be removed from my credit report immediately as this has caused me significantly alot of damage to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This letter is in response to your recent claim that XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. Thank you for your prompt attention to this matter. I look forward to resolving this matter as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, 2022, I notified PNC XXXX XXXX by phone of a error/fraudulent charge on my XXXX card ending in XXXX. I was told at the time that PNC had cancelled the card and they would issue a new card. I would only be responsible for the valid charges. Immediately, PNC cancelled my on-line access to the card, so I had no way to determine if any other fraudulent charges had occurred. About 3 weeks later, I received a new card ( XXXX ) but had no access to it. I subsequently got a notice that I was late on the payment of the card and it listed an amount that did not seem reasonable. In XXXX, I called into the PNC call center. I remained on hold for approximately 30 minutes and when the line was picked up, the representative could not delineate the source of the charges. I still had no access to my accounts as neither card appeared on my login screen. In XX/XX/2022, I received further collection notices from PNC and an independent collection agency. I also received a notice from PNC that my XXXX score was decimated. They had dropped it from XXXX down to XXXX in just two months. I called PNC to complain and I was told that there were now two late charges. After discussing the matter at length, I was told that a supervisor had approved both late charges to be removed. I visited a PNC branch and was informed of the charges on the credit card - Including one additional fraudulent charge for {$100.00} and the 2 PNC late charges were still on the card. The local branch gave me access to the account and I paid off the full amount - less the late fees that were to be removed. I contacted the vendor that had billed me the {$100.00}. They admitted the error and sent me a check, since the card they had used was now closed. I continued to receive late notices on the late fees from PNC. I called again and was sent to the " Escalation Department ''. This should be called the De-escalation Department. They have done nothing to resolve my issue and have needlessly delayed all efforts to get this matter resolved. I have called them many times. They always say they will return calls within 24-48 hours and NEVER meet those commitments. The sad state of this matter and the purpose of this complaint is that I did the right thing by reporting a fraudulent charge according to the PNC XXXX system. For that, I have had my XXXX score wrecked and wasted countless hours on the phone and in the branch, explaining and re-explaining my problem to no avail or attempted resolution on the part of PNC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX years old XXXX, XXXX, having as only income SS XXXX. 
Last year, XXXX  sent me a letter warning me that their consumer 's files have been hacked and my was one of them. 
As a result I was monitoring my credit report profile. 
On XX/XX/XXXX a inquire from Quicken Loans was showing in my file. 
I complained to them that it was not mine. 
As a clear prove, I am a XXXX years old XXXX person living on social security only. 
My house is fully paid and for my age and health conditions it is not my intention in to have a mortgage. No now, No never! again : my house is fully paid. 
I complained to both, credit report bureau and Quicken loans. 
After one year of complaining I finally got a phone call today XX/XX/XXXX from Quicken Loans. 
They don't want to accept only my clear reasons why I was not the person who request a mortgage ... the reason that my credit profile was hacked is not enough ... the reason of my health condition is not enough, the reason of my age either ... 
Maliciously, the want from me to have a police report ( police doesn't want to make a report about this civil issue ) I do not have other choice than complaint to you and ask you for your help. 
I began to believe that it has been Quicken loan who has pulled out my credit report without my authorization! 
They do not care if I am a handicapped old person. It seems like they want to punish me by asking me to go to the police to fill a report??? 
See attached email. 
Please help.
Product: Credit reporting

XX/XX/2015, I applied for a XXXX XXXX XXXX credit card and I was denied due to the bureaus not providing a credit score. I had brought a product from Experian to receive my FICO score from Experian, but based on certain criteria a score was said to be unavailable. I have not received any correspondence from the bureau concerning this matter, although I have sent written request.