23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Please see attached letter. 

I recently found out the unpaid principal balance for PHH Account Number was incorrect for the past 4 years after the discovery of an egregious error that would have never been found had I not challenged the HUD Claims that were advised would be included in The PHHMortgage Corporation Loan after completing a XX/XX/XXXX Loan Modification. The unpaid principal balance for the FHA PHH Mortgage Loan Account Number unpaid principal balance was over billed an additional {$21000.00} and PHH Mortgage received another {$21000.00} from HUD! I was grossly overcharged as I suspected! My original loan was {$240000.00} in XX/XX/XXXX. How do I owe $ XXXXand {$61000.00} totaling {$240000.00} as of XX/XX/XXXX? 

I received a letter dated XX/XX/XXXX from XXXX XXXX that states theunpaid principal balance for Account Number XXXX is now {$170000.00}. 

I previously received a letter dated XX/XX/XXXX from XXXX XXXX thatstated the unpaid principal balance for Account Number was {$170000.00}. 

I have also received multiple pay off notices : XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$180000.00}. 
XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$180000.00}. 
XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$270000.00}. 
XX/XX/XXXX PAYOFF QUOTE valid through XX/XX/XXXX is {$250000.00}. 

I have not received a detailed breakdown of every re-applied payment since XXXX through XX/XX/XXXX. There have been too many discrepancies and errors in how my loan modification and loan payments were calculated. I've received numerous calls from PHH Collections advising I owe various balances as high as {$79000.00} and misdirecting me to contact Relationship Managers who are inept in resolving the issue. I was also given direction to speak with a relationship manager for help with paying my loan balance even though I was not behind on my mortgage. 
I have paid my mortgage loan amount each and every month since XXXX. 
I wasdouble charged {$21000.00} in error and the interest PHH gained for those 4 years were not mentioned in the calculation of the new principal loan balance. I request for the HUD Partial Claims for {$40000.00} and {$21000.00} totaling {$61000.00} be paid by PHH Mortgage Corporation forthe egregious calculation errors and delays made by PHH Mortgage Services in the handling of both Loan Modification Agreements from XX/XX/XXXX and XX/XX/XXXX. 

I escalated this issue because I have not received a detailed breakdown of ALL reapplied mortgagepayments from XXXX to current date along with interest accrued from 4 years of being overcharged for the Principal Loan Amount from XXXX Loan Modification Agreement, double billed {$21000.00} and late charges billed that are included in the unpaid principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive filled out an identity theft and sent information to the bureau. Items years old are just appearing on my report. I called and advised that they have my information mixed with someone with the same name. I called the companies and the social security number listed for the accounts are not my social security number and the directed me to contact the bureau. I am requesting verification that the social security number listed on the accounts belong to me and i did not receive the information that verified the information belonged to me. I had a credit report in XXXX that did not list these accounts that are years old
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding late payments and non-compliance with the agreed-upon terms outlined in our previous discussions. 
As you may be aware, there have been instances of late payments on the account associated with XXXX ..... Despite our mutual understanding and commitment to maintaining a timely payment schedule, it has come to my attention that there have been delays in meeting the specified deadlines. 
XXXX XXXX XXXX XXXX .... 
In light of the above, I kindly request the removal of the late payment entries from our records. Clear communication and adherence to the agreed-upon terms are vital for the success of our partnership. I believe that resolving this matter promptly will contribute to the continued success of our business relationship. 
I value our business relationship and look forward to your prompt attention to this matter. Please feel free to contact me. Thank you for your understanding and cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to inform you that I have a problem with my credit report in which the site didn't have anything to choose from that fits my problem. 

I have over 13 inquiries below on my credit report in which I didn't give anyone permission to pull my credit report. Also, my real name is XXXX XXXX XXXX I need XXXX, Experian, and XXXX  to investigate with each company. To make sure they have a signed document, audio recording, and electronic signature stating I have given them permission to pull my credit report. I am attaching a copy of my credit report for review and investigation. This is my first steps to removing all the inquiries off my credit report that doesn't have legal proof that they belong on my credit report. 

Also. I like to inform you that there are judgment and civil judgment on my credit report in which I have never done any business with the company that placed the judgment on my credit report. I like for the two credit bureaus to provide documentation that proves I have done any business with the company who placed the Judgement on my credit report and civil Judgement on my credit report. 
Finally, there is an address XXXX XXXX XXXX, XXXX, PA XXXX. I have never lived at this address I only lived in Texas only. Then there are jobs on my credit report that I have not worked at because I have been in business since 2004. I am the XXXX  of XXXX XXXX XXXX  and XXXX XXXX of XXXX XXXX   XXXX XXXX XXXX. 
I am going to provide two different copies of my credit report so, XXXX, Experian, and XXXX can review both reports. 

The companies below did not have the right too pull my credit. 

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: Credit reporting 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 u.s.c. 1681. 
Account Name... XXXX XXXX XXXX XXXX XXXX Account # XXXX... .. Account name 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 an account without my written instructions..

15 u.s.c. 1681 C ( 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 1681 S-2 ( A ) ( 1 ) A person Shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i filed a dispute against TRANSWORLD SYSTEMS INC for inaccuracies on my credit report for FCRA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consistently receiving bills to make payments on loans that were aold, closed, paid and have a negative status reporting on my credit reports. There are 3 different service providers trying to collect on these loans. I have been employeed in XXXX XXXX XXXX  and filed for loan forgiveness however once I have successfully xompleted these programs no adjustments to the balance have been made and all old loans have reappeared along with XXXX, XXXX, XXXX XXXX and now XXXX trying to collect. I do not know to whom I should be making arrangements with when all the companies are trying to collect. I am near homeless because I can not purchase a home due to how the credit bureaus are reporting these amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting inaccurately on my credit report XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX, I am writing to formally disput a fraudulent auto loan that has been reported under my name. I recently viewed my credit report and discovered that an account with account number XXXX was opened with XXXX XXXX  without my authorization. This loan was fraudulently obtained, and I have never applied for, used, or approved this account. Under the Fair Credit Reporting Act ( FCRA ) 1681c-2, I am requesting the immediate removal of this fraudulent account from my credit report. I have taken the following steps to address this matter : Filed an identity theft report. Filed a police report, and notified the credit bureaus.

I am requesting immediate removal of this fraudulent auto loan from my credit report. Per FCRA, you are required to complete an investigation within 30 days. If this fraudulent account is not removed, I will escalate my complaint.
Product: Checking or savings account

On XX/XX/XXXX I wrote a check to be given to my landlord by my roommate, It was dated the XX/XX/XXXX. on the XX/XX/XXXX I awoke to find that my account was overdrafted because the check was able to be cashed on XX/XX/XXXX, even though that date was not valid to cash the check. I was told by the the receiving bank that they had no problem taking the check which was not yet valid ( to my knowledge ). The drafting bank did refund the overdraft fee, but I feel as if this is insufficient protection to the consumer. I am a resident of FL. This practice is damaging not only to the consumer but to the reputation of banks and banking practices. If any other type of payment system/contract was handled in such a way, ACH for example, lawsuits would quickly follow and judgement awarded. I do not feel that my signature alone on a promissory note is sufficient and should only be honored on the date the check was intended to be deposited and not just accepted and executed because it is signed. To me that is as unscrupulous as changing the amount of on the check itself. It is a whole document, banks should not be able to pick and choose what parts of a check are important and which are not. My signature states that the check is good on the date promised, not before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX Account Number : XXXX Balance : {$470.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$530.00} Account Name : XXXX Account Number : XXXX Balance : {$460.00} This is a formal complaint against Equifax, XXXX, and XXXX. They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

There aretwo accounts, in particular which they just refuse to investigate XXXX XXXX andXXXX XXXX, yet they turn around and tell me that these accounts were verified by the Creditor. However, I've contacted some of the creditors and they have no record of a dispute verification request from this or any other agency regarding an account for me. 

I am trying to get pre-approved for credit, and it has been a challenge given that it has already been months since I have disputed this with the bureaus and I'm on my third round of letters yet they are not taking proper action to get these accounts validated and removed from my report.
Product: Debt collection

I had spoken to a gentleman in the AMEX collection department Rep Id # XXXX about a week or so into XXXX. 

The call was recorded so the exact date can be found. 

He told me that my past due amount on my personal loan account was {$670.00} and that would bring me up to date. 

He also told me that after making that payment and bringing the account up to date they would be able to remove at least two of the return check fees. 

I scheduled a {$670.00} payment for XX/XX/2019 that was processed and posted. 

I received a call from XXXX XXXX from the AMEX collections department a few days after the {$670.00} payment posted for my AMEX personal loan. 

He told me that my account was not up to date and that a payment of {$320.00} was still needed to bring my account up to date. 

I told him that the last gentleman I had spoken to assured me that the last amount of {$670.00} brings me up to date and that at least 2 of the returned payment fees would be credited. 

XXXX XXXX confirmed that the information provided by the prior gentleman was not correct and the chances of having those two returned late fees credited is very slim and needs approval by a higher department. 

I was clearly lied to by representative # XXXX to get a payment for any amount. 

In addition AMEX had attempted to pull funds out of my XXXX XXXX Account 9 times unsuccessfully due to insufficient funds. 

If the funds were not available I believe 9 attempts is excessive, but unsure if that particular protocol violates any laws. 

I was not properly notified of these withdrawals and 9 times seems to be excessive when funds are not available. 

Each time my bank declined the transaction not allowing for any overdraft fees or a payment to be processed. Despite the denying of these payments by my bank I was charged a {$39.00} returned check fee 9 times. 

I believe the following things and this is why I am filing this complaint : 1 ) Not properly notified of the 9 attempts to withdraw funds out of my account 2 ) Lied to by a representative about the payment amount due and reversal of fees 3 ) Unscrupulous collection tactics and what seems to be a toxic culture in the AMEX collection department. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

So I hired XXXX 's to replace carpets for stairs in my home. I paid for XXXX of underlayment padding per contract, while contractor only installed XXXX. I reported the issue to XXXX 's and XXXX 's couldn't help because contractor claimed all material was used. I escalated issue to card issuer Synchrony Bank, and the dispute team first investigated in the wrong direction, and then closed the case in favor of merchant without collecting anything to refute my claim, saying that I needed to work with XXXX 's to get it resolved. I'm tired of going back and forth with the two entities. 

It's a simple fact that they used only XXXX -- anyone can stop by and measure and I have photos to prove too -- while claiming they used XXXX. This collusion of merchant and bank is ridiculous and disgusting.
Product: Vehicle loan or lease

General Motors has been using an incentive called Down Payment Assistance for the majority of the year on multiple vehicles which forces the consumer to finance a loan with their finance company, GM Financial, if the customer wants to receive the incentive. 

Down Payment Assistance is a 'cash on the hood ' type of incentive, where the customer will receive an extra {$1000.00} or {$2000.00} off the price of the vehicle if they finance a loan with GM Financial . If the customer decides to finance with a different lender then they will not receive the additional rebate. 

The problem is that the interest rates charged by GM Financial are considerably higher than other lenders in the market. Customers are being forced to finance with them in order to receive the added discount on the selling price of the vehicle. This in turn causes the customers to pay potentially thousands of dollars in extra interest over the life of the loan. 

Yes, a customer could refinance the loan with a different lender after receiving the Down Payment Assistance, but this would result in an extra credit inquiry which would lower their credit score, and there are other costs associated with refinancing loans. 

Please make General Motors stop their Down Payment Assistance program which is causing consumers to pay much higher interest rates through GM Financial and further enriching the XXXX XXXX at our expense. If there was no Down Payment Assistance the car dealers would set the customer up in a loan from a different lender which has much lower interest rates, typically 1-4 % depending on the customer 's credit.
Product: Credit reporting

I 'VE CONTACTED TRANSUNION SEVERAL TIMES BEFORE CONCERNING THIS MATTER AND IT HAS YET TO BE RECONCILED. ALL I WANT IS FOR TRANSUNION TO FOLLOW THE LAW OF THE FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THIS ACCOUNT OR SEND THE DOCUMENTS THEY USED TO VERIFY THIS ITEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XX/XX/XXXXI applied for a consolidation loan at XXXX XXXX. 
I notified the XXXX XXXX  officer that I had just checked my credit score on Experian and that it waw XXXX. ( email provided XXXX XXXX XXXX On XX/XX/XX/XX/XXXXI received a rejection / denial letter ( date XX/XX/XX/XX/XXXX ) stating several misleading items from the bank citing what Experian was indicating was the root cause of the rejection. 
*** a ) Credit score on letter XXXX => On same day my credit score via Experian Web account XXXX. 
b ). Length of time accounts have been established = screen print to dispute this with Bank and Experian FROM Experian web site 23.4 years ... Makes no sense. 
c ). Serious Delinquency - I have one account that a XXXX  firm mucked up and is overdue, I am in the process of repairing the damage. All other accounts are current print screen available showing " Excellent Payment History ''. 

The above reasons are in my eyes bogus. I was denied a loan to consolidate those credit cards due to inaccuracies in Experians reporting. 

Further more, I reviewed my entire Experian report, it states 5 Bad Payment accounts. 
I can only find ( 2 ) out of 13 accounts. XXXX XXXX XXXX XXXX  visa card - resolved, & XXXX XXXX that is closed and is being resolved ( see " C '' ). 
Previously I had a LOAN for XXXX  on this report which Experian was marking as over due when it was paid off in XXXX. I believe that these delinquency marks were never removed. 

In closing, I am trying to clean up my credit, I am doing the right thing by trying to consolidate and Experian keeps messing up my report. 

How can I trust what is on the report or ANY Credit Bureau, when what is being shown is inaccurate. To me when I see a credit score of XXXX and they are reporting on the SAME DAY XXXX a 22 Point difference that is pure neglegence and failure to do what they are supposed to be doing.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these accounts investigated due to my identity/ wallet being stolen months and years ago. The aftermath of this has destroyed my creditability with the credit reporting agencies. Now I'm requesting physical documentation to support the credit reporting agencies decisions in reporting these unauthorized and unknown accounts to me. In accordance to the FCRA laws I'm asking that these accounts be blocked. 

1 ) XXXX XXXX XXXX {$2.00} XXXX 2 ) XXXX  XXXX XXXX XXXX {$790.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXXl 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX 7 )  XXXX XXXX
Product: Credit card or prepaid card

My credit card is with Citibank ( Costco Card ) and my online bill pay service is through XXXX XXXX. For the past two XXXX payments ( XXXX and XXXX ), due on XX/XX/XXXX of each year, my payment has been posted late and I have been hit with a late fee ( {$25.00} in XXXX & XXXX and interest charges ( {$2.00} in XXXX and {$11.00} in XXXX ). This bill is paid every month via Auto-pay through XXXX XXXX and it is set up to pay " by the due date '' and every other month for the last 2 years it has posted on time for all month 's except for the XXXX payments ( due in XXXXr ). Something weird is happening between these two financial institutions in the month of XXXX when this payment should be posting by the due date! 

Citibank was good and credited back the XXXX charges but refused to go back and review the XXXX charges. XXXX XXXX was not very helpful and just told me to set the payment day sooner. They also said they will research why this is only happening for XXXX 's payment, but that was three weeks ago and I have not heard back from XXXX XXXX. 

I can't figure out who is really at fault here : XXXX XXXX when they send the XXXX payment or Citibank for not posting the XXXX payment faster ( you will notice in the screenshots that XXXX XXXX is sending the payment the day before the due date each month ). 

Please help me get resolution!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that there are unauthorized inquiries reporting fruadulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to consuct these inquiries without my permission or knowledge. The following inqquiries were incurred due to fraudulent charges, which means I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS INQUIRIES : TRANSUNION : XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX