23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH Has Locked My account from making payment to my Mortgage ILEGALLY, I can not make a payment on their Website. 

They Have me in some Mortgage Deferment plan I DID NOT REQUEST TO BE IN, THEY ENROLLED ME WITHOUT MY CONSENT, NOR ANY DOCUMENTS SIGNED BY ME TO THEM, NOR ANY REQUEST FROM ME TO THEM, NOW THEY HAVE LOCKED THE ABILITY TO PAY FOR ME TO PAY MY MORTGAGE FOR NO VALID REASON. 

Get this Company to UNLOCK my ACCOUNT NOW THIS COMPANY IS ATROCIOUS AND TREATS THEIR CUSTOMERS LIKE GARBAGE. 

THEY LOCKED MY ACCCOUNT AFTER MAKING PREVIOUS PAYMENTS ONLINE, I CALLED THEM XX/XX/2021 SPOKE TO EMPLOYEE # XXXX, THEN TO THIER MANAGER OPERATOR ID # XXXX SAYING THAT THEY NEED TO SEND A FORM TO ALLOW ONLINE PAYMENT AND TRIED TO CHARGE A PAYMENT OVER THE PHONE FEE. THIS IS A SCAM. THEY MADE NO EFFORT TO CALL, EMAIL, MAIL, or SEND A NOTICE TO MY ONLINE DOCUMENTS ON THEIR ACCOUNT WEBSITE. THEY SAID THE LAST MORTGAGE PROVIDER REQESTED AN EXTENSION OF MY 90 DAY FORBEARANCE, THIS IS NOT TRUE DUE TO I WOULD HAVE TO SIGN A DOCUMENT OR MAKE A REQUEST, I NEVER REQUESTED AN EXTENSION. THEY CAN NOT PROVIDE ME A COPY OF THIS ALLEGED EXTENSION REQUEST. 

THEY REFUSED TO SEND THE FORM BY EMAIL, OR TO MY ONLINE DOCUMENT CENTER ON THEIR WEBSITE, THEY SAID THEY CAN ONLY SEND IT BY MAIL. 

NO PHONE CALL, EMIAL, NOR LETTER WAS EVER SENT ABOUT A PHYSICAL DOCUMENT NEEDED FOR ONLINE PAYMENTS ; I FILLED OUT THEIR ONLINE CONSECT FORM in XX/XX/2021AND ADDED MY CHECKING ACCOUNT INFORMATION ( https : //phhloansphereservicingdigital.bkiconnect.com/phhm/ # /payment ) AND THEY ACCEPTED IT AND ALLOWED ME TO MAKE ONLINE PAYMENTS FOR XXXX AND XXXX, NOW THEY ARE RENEGGING THEIR AGREEMENT FOR ONLINE PAYMENT FOR NO VALID REASON. 

They Need to STOP THIER ILLEGAL ACTIVITES ON MY ACCOUNT BEFORE I TAKE LEGAL ACCTION AGAINST THEM. THEY ALREADY HAVE A CLASS ACTION LAWSUIT FOR THESE ACTIONS THEY ARE DOING TO ME.
Product: Money transfer, virtual currency, or money service

I have a PayPal account and I changed my phone number and couldn't get in so I looked up how to get in touch with PayPal and was directed to the site but they said I had to download XXXX XXXX gift cards and they also had me download an app so when I finally figured out what was going on I tried hanging up and I couldn't it was like they had control of my phone I finally got the app off my phone and I didn't send them the gift cards they wanted me to download here is the number and name. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to extenuating circumstances I went on a payment plan with them in the beginning of this year. I told the rep that my hours were furloughed and I needed some help. So I was to pay one month of payment in two installments as I did not qualify for deferment and they never even mentioned anything about COVID deferment at that time. I did not think much of it. I paid half {$320.00} when I called and then I paid the other half along with the monthly payment {$970.00} on XX/XX/XXXX before their due date of XX/XX/XXXX. Since it was a Saturday I even emailed their customer service on XX/XX/XXXX stating to update their records and not report the account late. 

But what do you know they reported this account late not only for XXXX but also for XXXX as well. I disputed with the CRAs to no avail. So I sent First Investors a goodwill letter to not report it as late. They declined to update my report even when it was their oversight and so I think it is gross misrepresentation of the reporting they have furnished. And of course they don't err on the side of customer service like all the other companies yet are intent on destroying people 's credits and credibility. 
Most of the complaints online where they have mistakenly reported and ruined people 's credits their response is if we do a goodwill adjustment to you we have to do it to all. That is just ludicrous. So they would rather destroy everyone 's credit not just yours. 

Dismal customer service. If anything else could be said for this company, it is that their customer service, for all their bluster, is atrocious. I realize that it is next to impossible to place the blame squarely on the customer service representative, since their managers and supervisors are ultimately responsible for the way their staff interact with customers. Apologies does not solve problems, results and actions do. As a matter of course, I occasionally become frustrated with the service and simply depart but in this case you can't do that because you have a mortgage with them. I even emailed goodwill letters to their executives about my issues and never even received an acknowledgment that they have received my messages. That is why I said their service is left much to be desired as it falters from top down.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I went to XXXX XXXX to purchase a car. I had a open check from XXXX XXXX XXXX XXXX for {$30000.00}. However, the finance guy asked if he could get me more money for a lower interest rate. I filled out an application for XXXX XXXX   only and asked that be the only bank my credit be ran. The finance guy came bank an told me a ridiculous amount and I purchase XXXX XXXX XXXX with my bank check. 

About two weeks later, I started receiving letters from about 9 banks why I was denied credit. When I took my car for regular maintenance I asked why they ran my credit for all these other banks and he could not answer only apologized. I never gave XXXX permission to run my credit for 9 different banks and messed up my credit.
Product: Mortgage

Please review complaint # XXXX. Nationstar/Mr. Cooper responded to this complaint with documents emailed to me and your office. Their XXXX letter states a request to remove negative reports for XXXX through XXXX XXXX  was submitted XXXX, inferring they contacted 4 credit bureaus by including bureau contact info. A 2nd letter XXXXXXXX  disclosed that their processing error triggered the autopay draft to be rejected, causing the missed XXXX pymt. 

In follow-up calls to the credit bureaus, I discovered Nationstar misrepresented sending letters of correction on XXXX. I can not believe, after all the disputes and complaints I filed, they represented it had been taken care of, then had the audacity to report the delinquency as accurate or not send the correction notice to 3 of the 4 bureaus! 

1 : XXXX : XXXX XXXX stated theyve had NO contact from Nationstar since the original over-30-day delinquent report for XXXX ( shouldve been XXXX ) ; I filed a dispute by phone. I had not previously filed a dispute with XXXX, as I did not know of this bureau until I got Nationstars letter. 

2 : XXXX : XXXX did not receive a letter correcting XXXX, XXXX, or XXXX XXXX negative reports. Supervisor XXXX confirmed they received a digital notice XX/XX/XXXX verifying there was no pymt history for XXXX and it was over 30 days late. Previously they received an over-30-day delinquency report XX/XX/XXXX for the XXXX pymt, and the account was reported closed on XXXX XXXX. There were no other notices between XXXX and XXXX. I filed an additional dispute by phone against the new & old delinquency reports and will mail copies of Nationstars letters per XXXX request. 

3 : XXXX : XXXX XXXX advised the dispute was completed XXXX ; only XXXX had been reported delinquent, which was removed. They will send a letter XX/XX/XXXX when the update posts to my acct, after which I can obtain a new credit report. 

4 : XXXX : XXXX XXXX stated there was a recent report from Nationstar, unknown date ( stated the report date/content are not available to reps ). Currently it shows the XXXX pymt as >30 days late, no others. Previously it showed XXXX, then XXXX, later XXXX, as two 30-day-late payments. XXXX and XXXX have been removed, but not XXXX ; the request to remove negative reports is incomplete. 

Please investigate why Nationstar misrepresented sending letters of correction! After 5 months arguing over their processing error, they are still punitively misreporting!!! 

I am forwarding copies of the two letters from Nationstar to all 4 credit bureaus, since Nationstar is too inept to handle their responsibilities.
Product: Credit reporting or other personal consumer reports

As you are aware, as stated in XXXX XXXX XXXX XXXX, I am a victim of the XXXX XXXX with XXXX. I have notified TransUnion of this matter and sent required statements, identification, and documentation for their Agency to remedy this issue. The allotted XXXX days they had to block and delete this information has surpassed. I received notice from CFPB that the company received necessary documents on XX/XX/year> it is now XX/XX/year> and I have not received equitable relief as the identified fraudulent items are still being reported against my person. Please assist me in following up on this issue by enforcing the consumer reporting agency to block and DELETE these items from my consumer report. Once TransUnion takes proper equitable action by completing my request, I would like an updated copy of my credit report sent to me via mail. Thank you.
Product: Credit reporting or other personal consumer reports

i have sent letters to both the debt collection company as well as the reporting agencies. neither company has responded providing information requested. cease and desist has also been ignored as the information has continued to be reported, having negative effects on my report. within my attempts at resolution, i have also challenged wether the data meets compliance standards. why is this data not being reported to all major credit reporting agencies? the information needs to be deleted and i feel that remedy from the effects of the violations is necessary from all parties invloved.
Product: Checking or savings account

Tried to use Chase debit card to withdraw money on XX/XX/XXXX, ATM said visit branch. 
Visited branch, told accounts were " closed '', but funds NOT available to withdraw. No reason given except " bank decision to close account ''. 
No funds available to me because my savings account was closed as well as my Chase credit card. Reason : " You'll receive a letter in the mail within 10 days with Chases " reason to close account, '' Friday, Saturday, Sunday, Monday, Tuesday, Wednesday, Thursday, no money available to me thru XXXX XXXX. When looking at my Chase App, shows all accounts, no mention of any restrictions or closure. Only way I knew was because I tried to use the debit card. Shouldn't a bank notify a customer if account full of money is suddenly closed??

I visited the branch Thursday afternoon and demanded my money. With much time and patience, my money was given. So no reasons for closure. I must start all over with another bank. Chase has been an absolute nightmare for my family. Found out today, now they closed my son 's account, no reason. He is unable to get any funds.
Product: Mortgage

XXXX XXXX form and XXXX XXXX form shows outstanding mortgage to be the same for both years, and principal does not agree with payment history
Product: Credit reporting or other personal consumer reports

Since the data breaches, there are multiple accounts showing up that are not mine. I need them deleted immediately as they are hindering me from obtaining a mortgage loan.
Product: Debt collection

Franklin Collections i n  XXXX   MS..  XXXX   hospital     {$210.00} ... informed her that I could n't pay until later thus month and she told me that they needed a payment this week, that they could n't hold it any longer. Then she asked me for my address. So I hung up. Next representative was rude as well and hung up on me.
Product: Debt collection

I have replied to text messages for them to stop contacting me. Now they have contacted me prior to XXXX XXXX and are repeatedly still calling and texting and emailing to resolve debt.
Product: Vehicle loan or lease

I am writing to formally dispute the reporting practices of Credit Acceptance Corporation concerning an auto loan I obtained from them. I believe that Credit Acceptance Corporation has violated my rights under 15 U.S.C. 6802 and 15 U.S.C. 6801 by failing to properly inform me of my right to opt out of having this loan information reported to my consumer report. 

Under 15 U.S.C. 6801, financial institutions have a continuing obligation to respect a consumer 's privacy, and 15 U.S.C. 6802 grants consumers the right to opt out of having their information reported to credit bureaus. Credit Acceptance Corporation did not conspicuously inform me of this right to opt out before reporting the loan information to my consumer report. The lack of such notification constitutes a breach of their obligation under these statutes. 

I request that the CFPB investigate this matter and compel Credit Acceptance Corporation to provide evidence of their compliance with these privacy requirements. Specifically, I am seeking confirmation that they notified me of my right to opt out and that they provided this information in a clear and conspicuous manner. 

Additionally, I am serving this letter as both a formal complaint against Credit Acceptance Corporation and as a pre-arbitration notice. Should my consumer rights not be respected and this account is not removed from my credit report after being notified of these violations, I will proceed with arbitration to address these issues and seek appropriate remedies for the infringement of my rights. 

Please review this matter and provide guidance on the steps taken to resolve this dispute. I would appreciate a written response detailing the actions the CFPB will take to address my concerns. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please delete/remove these files. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$390.00} XXXX  XXXX XXXX Balance : {$900.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX  XXXX XXXX Balance : {$580.00} XXXX  XXXX XXXX Balance : {$83.00} XXXX  XXXX XXXX XXXX : {$110.00} XXXX  XXXX XXXX XXXX : {$610.00} XXXX  XXXX XXXX Balance : {$820.00} XXXX  XXXX XXXX XXXX : {$210.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX XXXX : {$130.00} XXXX  XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX Balance : {$590.00} XXXX  XXXX XXXX XXXX : {$1400.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$270.00} XXXX  XXXX XXXX XXXX : {$200.00} XXXX  XXXX XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX  : XXXX XXXX  : XXXX.
Product: Credit reporting or other personal consumer reports

I have been working hard for a couple years now to have these frivolous, erroneous, inaccurate, and incorrect accounts investigated and corrected. Equifax keeps disregarding crucial legal regulations 15 USC 1681, 15 USC 1681i ( 5 ) ( B ) ( i ) ( 6 ) ( 7 ), 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681 ( 5 ), 15 USC 1681c ( c ), 15 USC 1692, 15 USC 1692c , and more. With the recent CFPB lawsuit against XXXX for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

XXXX. ) XXXX XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, XXXX. ) XXXX XXXX XXXX XXXXXXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY XXXX. ) XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, Below you will find impermissible hard inquiries on my credit report that I never gave my written consent for the authorization of which violates XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and more : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax
Product: Debt collection

TRANSUNION has been uncooperative with me in regards to removing fraudulent items from my credit report and making the proper updates. I have not been able to get an apartment or extend credit due to these fraudulent items. 15 USC 1681b- permissible purposes states that no credit reporting agency may furnish anything on my credit report without my written consent. My written consent was not given.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611. Upon reviewing my credit report, I have identified several errors that require your immediate attention.

1. Late Payments : I have noticed that there are late payments reported on my account that are inaccurate, which violates the FCRA Section 623. The accounts in question are listed at the end of this complaint. I have attached documentation showing that these payments were made on time. Therefore, I request that these late payments be removed from my credit report in accordance with FCRA regulations.

2. Inaccuracies in Government Name : Furthermore, I have observed that my government name is inaccurately reported on my credit report. My correct government name should be updated as shown on my official identification documents such as my driver 's license and passport which i have attached to this complaint. Please update your records to reflect my correct name. 

I kindly request that you conduct a thorough investigation into these discrepancies as required by FCRA Section 611 ( a ) ( 1 ) ( A ) and make the necessary corrections to my credit report within the statutory timeframe of 15 days. 

Enclosed are copies of relevant documents supporting my claims, including proof of timely payments and identification documents, as required by FCRA Section 611 ( a ) ( 1 ) ( B ).

Please provide me with written confirmation once the investigation is complete and the inaccuracies have been rectified. Additionally, I request that you send me an updated copy of my credit report reflecting the corrections as mandated by FCRA Section 611 ( a ) ( 2 ) ( A ).

Thank you for your prompt attention to this matter and for your compliance with the FCRA regulations. Should you require any further information, please do not hesitate to contact me at the provided address or phone number.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Last XXXX XXXX XXXX Lockhart Morris & Mo XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Subject : Dispute of Inaccurate Collection Account Information Dear Lockhart Morris & Mo, I am writing to formally dispute inaccurate information that is listed on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The specific item I am disputing is as follows : - **Account Name/Number** : XXXX XXXX  XXXX - **Creditor/Collection Agency** : Lockhart Morris & Mo - **Type of Discrepancy** : Inaccurate Collection Account I have reviewed my credit report and have found that the above-referenced collection account is inaccurate. The details of my dispute are as follows : - [ Explain the reason for the dispute ; for example, this account does not belong to you, it was paid in full, it was never late, etc. 

In accordance with the FCRA, I request that you conduct an investigation into this matter and remove or correct the inaccurate information from my credit report. Please provide me with the results of your investigation within 30 days of receipt of this letter. 

Additionally, I request that you notify the creditor/collection agency of my dispute and ensure that they cease reporting this inaccurate information. Under the FCRA, any information reported must be accurate and verifiable. 

Please find my personal information below for your reference : - **Full Name** : XXXX XXXX - **Date of Birth** : XX/XX/XXXX - **Social Security Number** : XXXX - **Address** : XXXXXXXX XXXX XXXX  Thank you for your prompt attention to this matter. I expect a confirmation from you once the correction has been made. If you require any additional information, please contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Capital one included deceptive language in the hope they would disqualify customers from a bonus for opening a savings account. " Deposit $ XXXXof external funds during theXXXX Initial Funding Period aft er opening your account ''