23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage note shows that my payment is due on thXXXX XXXX & I have 15 day grace period which gives me until the XXXX of the month to make a payment. XXXX c/o PHH Mortgage Services XXXX XXXX XXXXXXXX XXXX  XXXX NJ XXXX XXXX ; email : XXXX ; fax : XXXX sent me a statement dated XX/XX/XXXX & charged {$20.00} in late fee. In addition, I do not have an escrow account. XXXX is illegally trying to form one. I pay my own insurance with Foremost & my own taxes. In addition, XXXX initial mortgage with Fremont Loan in XX/XX/XXXX ended in XX/XX/XXXX. I had 2 loan modification which reduced the balance significantly. The XXXX the balance was reduced fr {$310000.00} to {$220000.00} after it transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX At-a-glance Contact Information XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX who then transferred after the loan modification to XXXX XXXX XXXX, XXXX now known as Ocwen Financial Services Debt Collector License XXXX XXXX XXXX Mortgage Lender License No : XXXX XXXX No. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX Docket No. XXXX : has engaged in, or is engaging in, residential mortgage loan servicing practices which violate XXXX and XXXX laws and fails to meet the requirements in MA. As a result was forced out of the business. Latest settlement is XX/XX/XXXX : XXXX XXXX XXXXXXXX. The XXXX was modified with Ocwen who failed to apply my payments to my account so that I wouldnt get the next 2 allotments total {$110000.00}. During the time of fighting for the next two deductions from my mortgage, I was charged interest & late fees which were never credited. If MA gov fought for their residents, what is NJ doing for its residence? Failure to provide loan documentation from XXXX XXXX. Fail to post payments in a timely manner even when made on XXXX website before the deadline!!! 
Last payment on their website site : Pd PHH MORTGAGE SERVICES  Loan Payment complete! Confirmation Number : XXXX Nice work! Your payment of {$420.00} scheduled for XX/XX/XXXX has been submitted.
Product: Credit reporting or other personal consumer reports

I am filing a complaint to formally dispute inaccuracies in my credit report and to demand compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further validated by the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit alleging Experians failure to properly investigate consumer disputes, as well as improper reinsertion of inaccurate information on consumer reports. 

I have identified the following inaccuracies in my credit report that require immediate correction or deletion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I have a credit card ending in XXXX with a capital one Business card, it was opened on XX/XX/2022. I am not associated with the business, and I didn't give consent to Capital for this Business card, I never used the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative of this company and I was promised that the late payments would be removed from my credit reports if I paid the balance on time and got in good standing. I have paid off the balance and my account has remained in good standing for years but this company never honored their promise to remove the late payments
Product: Credit reporting or other personal consumer reports

Transuion was reporting the account to be closed and paid and now they are reporting the account open and due. This is a error
Product: Debt collection

ref account XXXX resulted in fraud transactions and fraud balance that was reported and disputed years ago to state farm bank
Product: Credit card or prepaid card

I received a letter dated XX/XX/XXXX saying " After careful consideration, we decided to close your credit card account on XX/XX/XXXX, because Chase closed a previous credit card, deposit, or investment account. '' I received almost exactly the same letter over 3 years ago, dated XX/XX/XXXX, for which I submitted a Consumer Financial Protection Bureau complaint, ID XXXX-XXXX. The outcome of that complaint was that my account was reinstated. 

After receiving the letter dated XX/XX/XXXX, I called the phone number provided on that letter, XXXX. The representative I spoke with said that they see no indication that my account is going to be closed, and they aren't sure why I received that letter. I called back to speak with a different representative, and they also told me there's no indication that my account is going to be closed. The second rep I spoke with said that the letter was sent in error, and my account is not going to be closed. I proceeded accordingly, scheduling business bills to be paid on this card. 

Logging in after XX/XX/XXXX, I saw that my card was, in fact, closed. This resulted in numerous unsuccessful charge attempts for bill payments I had scheduled, causing those accounts to become overdue, as a direct result of the misrepresentation provided by the multiple representatives I spoke with, who assured me that my account would not be closed. 

After seeing that my account was closed in late XXXX, I called Chase, was transferred to different departments approximately five times, and I ended up being transferred to the executive office again ( the office that had previously reinstated my card account that was closed back in XXXX ). I received a voicemail from the executive office on XX/XX/XXXX, saying that they have completed the review and confirmed the closure of my account. 

The exact same thing happened back in XXXX, where I was called from the executive office and told the account closure was confirmed, then they later reached out and said they reconsidered and reinstated my account.
Product: Credit card or prepaid card

I had an authorized user on my account named XXXX XXXX. I sent a message using my NFCU online banking to let them know on XX/XX/XXXX that I wanted him taken off of my account as an authorized user. I have used this avenue to remove authorized users in the past with no issues. So at that time I assumed he was no longer on the account. Then, on XX/XX/XXXX XXXX XXXX XXXX initiated a {$100.00} cash advance from my account to his checking account. On XXXX when I realized this, I immediately messaged NFCU to find out why he was still on there as an authorized user. We went back and forth with them finally saying that the removal was never finalized because I had to respond to their response saying that I confirmed that I wanted him removed. I never had to respond before for that. Me giving them notice that I no longer wanted him to have access to the account was enough of a notification and he should have been removed. I want my {$100.00} back that he cash advanced because he should not have been on the account at that point in time. The following is their response to my inquiry about this issue, " XXXX XXXX, thank you for your follow up message. We did reply to your message on XX/XX/XXXX, acknowledging the request, however, we needed further confirmation from you in order to complete the request to remove the authorized user. XXXX XXXX has been deleted as an authorized user of your XXXX XXXX account. You continue to remain responsible for the entire balance, including any charges made by a deleted authorized user. Please allow 1-2 business days for the removal to reflect via Online/Mobile Banking . Your user 's removal will be updated with all major credit bureaus on or around the next statement closing date of XX/XX/XXXX. If we may be of further assistance, please let us know ; we always consider it a privilege to assist you. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received a notice that my credit score with TransUnion had decreased by 65 points. I have not applied for credit or opened any new accounts. I've had problems with this CRA recently. A fraudulent account was opened in my name on XXXX XXXX. TransUnion failed to conduct a reasonable investigation. I disputed the account twice but TransUnion continued to report the account as a valid debt. TransUnion did not document the account as a disputed account. I filed an identity theft report on XX/XX/2019. The account was removed on XX/XX/2019. TransUnion increased my credit score twice after the account was removed. I'd like for my credit score to reflect the correct score, XXXX. Please see the attached documents.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

Dear Consumer Financial Protection Bureau : I am writing you to report that a collection agency, Portfolio Recovery Associates, is trying to collect debts from me that they did not sufficiently validate to me, upon my request.

I responded to a letter from Portfolio Recovery Associates requesting specific validation information that they did not provide. They also claim that they requested information from me, but they never did.

The validation information they did supply was merely generalizations of debts that have no clear indication as to the ownership of the debt, the right for them to collect from me, and lack of proof of any obligation that I entered into with them.

I want to submit a complaint.

Herewith attached are a record of correspondences Ive had with Portfolio Recovery Associates, detailing the basis for my complaint.

I trust you will address this matter accordingly.

Thank you
Product: Mortgage

My wife and I co-signed on a mortgage for our niece and her husband. My niece had financial problems and was not making her mortgage payment on time. The mortgage company never once contacted or attempted to contact myself, my wife or my nieces husband. I only found out about the major delinquency when I went to check my Friday score. We have helped them get the mortgage up to date but the mortgage company refuses to reverse the negative data on myself and my wife 's credit. My problem with this is we were never notified so we had no way of defending ourself or helping get the delinquent mortgage up to date. When I contacted the mortgage company they had a hard time finding my wife and I information on the mortgage.
Product: Payday loan, title loan, personal loan, or advance loan

I tried to get a loan from another group only to get a E-mail from CashNetUSA claiming they had denied the loan as they claim the other company was a marketing partner, which is not true.
Product: Credit reporting or other personal consumer reports

Portfolio RC is not the original creditor for this account, and I do not have a contract with them. Opened date XX/XX/year>. Balance {$650.00}. Placed for collections. Also, past the statute of limitations.
Product: Credit card or prepaid card

On XX/XX/XXXX, my wife and I rented a car with XXXX/XXXX  at XXXX. XXXX XXXX in XXXX XXXX. It was for 9 days. After nine days, on XX/XX/XXXX, we returned the car and flew to XXXX. When we returned the car, we filled out a complaint form with regard to an item we rented with the car ( a wireless modem ) and handed in our paperwork and were told a revised final receipt would be sent to us by email ( it wasn't ). 
When we got our credit card bill ( Bank of America ), we saw we were charged for 12 days instead of 9.  We contacted XXXX/XXXX  to get the invoice, and disputed the charge with Bank of America ; included with that dispute were copies of airline tickets showing we were flying on XX/XX/XXXX ). Bank of America will not take our side in the dispute since we had no final receipt saying when we turned in the car ( and now say we are " timed out '' for disputing further ). We continue trying to get XXXX/XXXX to respond to our dispute. 

XXXX/XXXX supplied Bank of America ( and I ) a revised reciept showing the rental for 12 days. This was never authorized and is what I dispute.
Product: Mortgage

I've been told by my point of contact XXXX XXXX # XXXX my file has been in underwriting since XX/XX/2018 and I would have a decision within 30-45 business days it is now XX/XX/2018 and still no resolution of response. I have called weekly to check on the status of the modification and I get the same response week by week there is no resolution we will escalate the issue but no response and XXXX point of contact has failed to reach out to us. We have been complaint to all of the request and would like a resolution asap. I also requested to speak manager XXXX XXXX # XXXX and he is never available to speak to according to representative. I need your help in resolving this issue. I feel they keep prolonging the decision to collect more money from me. I am more and more delinquent on my loan the longer they take to give me a resolution.
Product: Credit reporting

I do not want another CREDIT report sent to me. What I want is for Equifax not to show MY CREDIT score as XXXX to companies that are pulling MY CREDIT. I can see my score. I NEED THIS CORRECTED NOW!!! This is my THIRD COMPLAINT I WILL KEEP FULING THEM UNTIL THIS ISSUE US RESOLVED ... PLEASE CALL ME IF I 'M NOT CLEAR
Product: Student loan

On XX/XX/XXXX I had seen that my account had an increase of XXXX $ so I proceeded to call AIDVANTAGE to try to find out what the recent change was. There was no information provided, they stated everything shows that I owe XXXX $ where in my credit report it shows that I owe XXXX XXXX I also have screenshots from their website stating that my balance on XX/XX/XXXX is the XXXX XXXX When I requested to speak to a XXXX the XXXX had stated that they will not speak to me and will not change their position. The representative on the phone stated that they will put in an information request to try to get it figured out and that I should hear back from them shortly. As of XX/XX/XXXX I have not heard anything from AIDVANTAGE. I also have a recording of the call where the representative said their manager will not speak to me. As stated everything on my credit report and my screenshot shows that I owe XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

on XX/XX/XXXX I was contacted by a company identifying as " XXXX pre-legal department ''. I was informed that my case was being forwarded to XXXX County Court in Michigan and that I was to be served with papers for a criminal violation stemming from a payday loan from Check into Cash. The charges could lead to jail time if I did not comply to repay {$2300.00}. The original loan was taken out in XXXX for {$600.00} but they claimed that fees were added. I asked for a validation of debt letter to be sent to my residence at that time. Latter that day I noticed they sent an email with an invoice that was created that day, I also noticed that there was no mailing address and nothing documenting the the various charges, just the amount due. I researched online and found nothing ligament about this company, only clams that they are scammers. I decided to ignore them. 

Since then every other month or so I would receive voicemails from various numbers on my cell phone and my work phone making the same claims and the same threats. I also received a message from my HR manager at work when she was informed that the police were on the way to arrest me over this matter. 

On XXXX XXXX I received a call from XXXX, the caller did not provide his name but informed that this would be in his office for just one day and I needed to call immediately to resolve the matter before it went to court. This was the same voice that has been on all messages that I have received. 

On XX/XX/XXXX I found out that they have also been contacting my sister and my mom informing both that I was to be arrested taken to court and that I would be charged with felony fraud and sent to jail for at least 6 months unless I paid them immediately, Understandably they were both very upset and called me right away Before he called them he also called me that day on both my phones as well that day, I did not answer. 
And once again today XX/XX/XXXX the same guy called me again with the same threats and stating that I would also loose my job after my XXXX XXXX. Both these times the phone number was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The first credit card was opened for Kohls Capital One bank which was opened on XX/XX/XXXX. They are only reporting some of the payments I made on the account. When my account got closed ... they reported I made NO payments which is inaccurate. I then settled the debt of {$200.00} directly to the creditor on XX/XX/XXXX. BEFORE I paid or settled the debt I asked for a letter in writing to delete the account. The representative whom name is XXXX  extension XXXX stated to call back in 7 days for the letter of deletion to be sent out and for the credit bureaus to be updated. I never received that letter being over a YEAR later. The account is marked off as legally paid in full for less than the full balance. I reached out to the company XX/XX/XXXX to ask about the deletion letter since Ive reviewed my reports and it is hurting me financially and emotionally they stated they do not do pay to delete letters so now I feel I was lied too to just pay my debt and I am left with a negative remark on my credit. I disputed the charges via by mail, email, phone call... I am getting no resolution. 

The second credit card was by XXXX XXXX XXXX  which was opened on XX/XX/XXXX. I have sent in multiple disputes as well for this account via mail, email and by phone. They reported my account closed TWICE... .I have been trying to understand how a company can charge you twice for the same credit card? I repeatedly sent letters out JUST to get the one inaccurate charge off. I hired a credit repair company out of desperate needs to improve my credit report. They did not do much justice for my situation. I then was back at square 1 figuring out what to do. I called XXXX personally to get these inaccurate charges off. I settled my debt on XX/XX/XXXX for the amount of {$170.00}. I pleaded to them my responsibility of debt since I have been a member of them by having perfect payment history and I have 3 lines of credit open that are in perfect status. 

All I have received by the companies via mail is letters stating what I owe ... which is a balance of {$0.00} for the company. No information further of them deleting the account or any investigation.
Product: Mortgage

I have 5 mortgages with PNC Bank since XX/XX/XXXX, in XX/XX/XXXX I refinanced all 5 loans. I originally had impounds for property tax and insurance but had the insurance portion removed due to errors caused by PNC paying 2 insurance companies and not discovering any problem until I reviewed my impounds almost a year later. 
In XX/XX/XXXX my impound account for property tax was seriously delinquent due to two factors.

1.PNC pays property tax in XX/XX/XXXX or XX/XX/XXXX even though property tax is not due until XX/XX/XXXX making the impounds 2 or 3 months short on funds for that year.

2. PNC Bank was collecting taxes at a XX/XX/XXXX property tax rate which was 40 % below XX/XX/XXXX rates, my impounds went up about {$110.00} per month per house to cover the arrears. I ask the bank to review the account in XX/XX/XXXX when the preliminary property taxes are released they informed me that they only do impound evaluation in XX/XX/XXXX every year which would be at the prior years amount. This is an irrelevant amount and does not reflect what is due in the present year. Due only to the banks incompetence again I have asked to completely close all 5 of my impound account so I could handle them correctly, they have agreed. They have billed me {$190.00} per account for a total of {$970.00} I refused to pay this fee. I would not entertain closing the impounds if they were done correctly.The loan is 13 years old.I know that the only reason I am requesting removing the impounds is due to total incompetence. I refuse to pay any fees.
Product: Checking or savings account

My main bank account, XXXX XXXX was frozen so I opened a new TD account online. I deposited a check and received a XXXX transfer from the same person, my Aunt. My account was open and functional for about a week. TD then froze my account, claimed the check was fraudulent and my account is now " blocked '' and I have no access to the funds in the account, totaling about {$4000.00}. There is NO HOLD ON THIS CHECK from XXXX  XXXX XXXX. Unfortunately my aunt passed away before knowing this happened. I have provided bank statements showing this check amount has cleared from the account, as well as a statement showing I am listed as her POD. I am the POD for my aunt 's XXXX  XXXX XXXX account. TD requested a notarized letter from XXXX  XXXX XXXX. Because my aunt is now deceased, this process of being able to obtain the notarized letter myself will take anywhere from 3-5 weeks if not longer due to probate court. I now have no access to any of my funds and I am struggling.
Product: Debt collection

Theyve been harassing my XXXX  parents, they called my job and almost got me fired. They claim they sent a letter via XXXX  emails, none of which I received. I have requested a notice of the debt and have not heard back and theyre threatening to seize my house and assets I own. 
Started calling my parents house in XXXX They called my job on XX/XX/XXXX On XX/XX/XXXX I called and left a message for a notice of debt, they have not gotten back to me. 
During the phone call on XX/XX/XXXX I was told I would be sued and they would seize my home and any assets.