23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We had a mtg with Seterus. They sold it to Mr. Cooper and we found out there were 33more years on th mtg. We already been paying for 7 years and we thought we had taken a 30 year mtg and also thought we had credit life. Neither of this was true. At our age I would never have signed a 40 year mtg. We tried to contact Seterus to no avail. I am tired of getting run over y companies. This is the 2nd complaint I have sent to you and no response from you either. Please let me know something. I await your response. XXXX XXXX
Product: Mortgage

For the last two months, Pennymac 's loan office in XXXX XXXXXXXX XXXX has failed to process my loan repayments in a timely fashion causing my payments to be late for which I was penalized for! 

The first occurrence happened in XXXX of this year. I mailed my payment on XXXX for XXXX 's monthly repayment of my home loan. ( XXXX XXXX : XXXX ) When my check had not cleared my bank as of the XXXX of XX/XX/2023, I contacted PennyMac 's customers service department to find out what was going on! PennyMac customer service informed me that they were having problems with this office processing checks and suggested I submit my future payments electronically in the future to avoid this problem. I told them I did not wish to repay my loan in this manner! And they told me that my only other option was to resubmit my check for my missed payment! Again, I stated I did not miss my payment they misplaced it! But I told them I would resubmit my payment which I did on the XXXX of XXXX. I also cancelled my previous check numbered XXXX. 

After reissuing my check for two payments to cover both XXXX and XXXX 's payments and cancelling the previous check with a stop payment. I was then informed by my bank that PennyMac attempted to cash my check after it had been cancelled! 

In XXXX to avoid any further problems, I sent my XXXX payment on XXXX. To date, they have not processed my check and I have once again I have been charged a late fee for my payment! 

I again contacted PennyMac to find out what is going on with the XXXX XXXX 's office and why my payments were not being processed in a timely manner. I was again told they were working through some problems with that office for processing payments. But I was still liable for any late fees occurred on my account! They again suggested to me to submit my payment electronically to avoid these problem 's! At this time, I requested a new address to submit my repayments to and they provided me an address in CA to mail my payments to! They only problem is that this company refuses to retract these late fees which are caused by their company and by their own actions they are affecting my credit rating in a negative manner! 

For this reason, I have contacted your office for possible resolution to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XX/XX/2018.I never received a response that any investigation was done or completed.I contacted them on XX/XX/2018 in regards to this matter, and they had no explanation.I was told you need to contact these companies yourself, if your report is incorrect, and these account do belong to you.I continue to ask, why I was not notified of your results, he refuse to answer.He said where did you get this information?, XXXX XXXX XXXX is your report, '' does this question make any sense? no, it does not.I told this person, that  this account has been on my report for 7 years or more, and should be removed.Also another company called XX/XX/XXXX , I have  never done any business with, to my knowledge, he said call them. 

I need a resolution to this ongoing problem with Equifax, which has destroyed my credit, and lowered my score.It has been more than 30 days, since I filed this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN/Closed ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has cause me great XXXX, stress, and financial hardship.
Product: Credit card or prepaid card

I Have Called XXXX XXXX and told them about my problems even paid off balances on these two card that where opened on my name fraudulently by my ex Wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this.
Product: Mortgage

Attachment to complaint XXXX XXXX XXXX # XXXX XXXX We made complaint, PHH AND OCWEN Have not sent our {$8900.00} each month from XXXX until now XX/XX/2022 the letter claim they still investigating send over document we have sent over XXXX e-mail with loaded document or of contract of receipts evidence of repair and picture, it was not insurance who paid claim we contracted the work to be done sent checks to PHH with know XXXX and they claim they were sending release check for {$710.00} they sold property for more than we owe, we have tired communication with phh - send XXXX e-mail and document through XXXX. we have call we sent everything they need get the run around, all we need is our funds, the pictures have shown that work was done insurance company receive the same, but XXXX above name continues asking for what we have sent already.this is unfair her we in 3 month they have sent letter of same, we gave everything they ask for, the letters they send we will review issues raised with the goal of response by XXXX there is letter for XX/XX/2022 /we have call never know answer. send you to another person in XXXX, this is discrimination we XXXX our age we treated unfair.
Product: Mortgage

I just need  3 mo re days in order to pay in full. I have a sells closing date of  XXXX / XXXX /  XXXX   and  Wells Fargo i s trying to auction my home today.     My daughter 's boyfriend/fiance has financed my home ...      Wells Fargo w ill be paid in full ... every single penny owed ...     I spoke with     XXXX   XXXX     at  Wells Fargo  and I faxed her all the documents she said she asked ...     I also did everything that their attorneys at      XXXX   XXXX   XXXX      asked ... I spoke to  XXXX  ...     My mother had a reverse mortgage and I could n't get approved ... I tried, but I do n't make enough ...     I just need until  XXXX / XXXX /  XXXX   to close and they will be paid in full that same day ...     Please I 'm not working and I 'm too young for retirement ...
Product: Credit card or prepaid card

In XX/XX/2022 I called TD Card services to inform them of suspected suspicious activity on my secured credit card account. I was told that my concerns would be taken care of and that I would receive a follow-up call from a banker. I did not receive a follow-up and I called TD Card Services again in XX/XX/2022 to reiterate my concerns. During this second conversation, I was told that the window to review fraudulent activity on the account had passed and that I could not file a complaint. I explained to the supervisor that I initially spoke with a representative in XX/XX/2022. I informed the supervisor that my card was lost/ stolen and that I could not access my online banking portal in addition to being unhappy that I could no longer have my issues resolved. I was told to enter a branch to have my needs rectified. I informed TD Card services that I was unhappy with the service as I felt my consumer rights were violated. 

TD Bank did not investigate the fraudulent charges, and I could not enter into my online portal to monitor the account or auto-pay the account. Even after voicing my concerns they made no effort to help me access the online portal or receive a new card. I have been charged numerous fees and interest on the card even though I have not used the card in over 6 months due to the card being lost/ stolen and security concerns. 

TD Card Services has since closed the account and have refused to remove late payments caused by my inability to access the account, and major concerns surrounding the security of the card. This experience has negatively affected my ability to buy a house for my family.
Product: Debt collection

Senex services continues to drag their feet validating this debt i 've contacted oringinal creditor and they stated i have a zero balance and they have not sent anything to collection with my name a ssn # it 's been over a month since i requested validation from them and i keep getting the run around, but yet they can verify to the credit bureaus that the debt belongs to me and negatively impact my credit score for a debt that i do not owe.
Product: Credit reporting or other personal consumer reports

Company has not removed improper information or provided me with requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a charge off and and account with my name and when i wrote a certified letter to validate the debt the company ignored my letter and has not verified the debt and continues report the bad debt. This is a violation of the FCRA. The account doe not belong to me and is fraud.
Product: Mortgage

My Mortgage company PHH, located in New Jersey sent me a letter stating that due to my equity in my home ( {$300000.00} ) and my excellent credit I qualified for a refi at a terrific rate, please call. I called because this would also pay off my bills. I talked with an agent XXXX XXXX. My main question was " whats the interest rate '', I believe currently I 'm at 3.84 %. He had to have my SS number which I hated because it will show on my credit report. He looked and came back with a little over 4 %. I agreed to proceed. He asked for a credit card number which rattled me. Why? He said in case I DECIDED TO DROP out of this offer it covered their costs. I asked him again to be sure we were clear. He then forwarded my info to a XXXX XXXX who asked for all kinds of forms - the normal forms. I receive Royalties for lease and gas/oil in the state of Oklahoma. I get XXXX 's but getting a contract showing what I would receive for the next three years was near impossible. No one understood what I was talking about. SO I informed XXXX if they had to have this and I would be rejected to be sure to remember I was told that I would not be charged the {$730.00} fees on my card. She never answered me on that question/statement. I have all the email 's as proof. I was charged yesterday on my credit card. I wrote XXXX stating why? I also have not received anything in writing that my refi was rejected. She wrote that my refi was denied because of the inability to get continuance on my royalties. Even a job can not give continuance. What I did receive from PHH was another letter stating that due to my excellent credit and equity in my home I qualify for a loan on my equity. What kind of scam is this place running??
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX ACCT # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 

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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I received a deposit of {$1600.00} into my recently opened Venmo account. Because, Venmo never sent me a card, I attempted to do an instant transfer to my bank card so that I could access the funds. The application would not allow my transfer. I called to inquire and was told that the 'system ', flagged it and I should just do a bank transfer which takes XXXX  days. I then attempted to link my XXXX XXXX XXXX account to my Venmo account and would would not allow it. Once again, I inquired and spoke with a supervisor named, XXXX XXXX He explained that he had to escalate my inquiry to get it taken care of ASAP. It had already been XXXX days. XXXX days later. I received an email from XXXX XXXX asking me to upload a copy of my driver 's license. I did. XXXX days later, I was told that I could connect my bank and make the transfer, so I did. On the third day, for some unknown reason, the transfer was canceled. I was finally able to speak with another person, who, once again asked for my ID. I then took fresh photos of my ID and a selfie of me holding my ID, but couldn't get the acceptable format. As soon as I hung up, I received an email stating that my account was frozen because of the inquiries and that they could hold my funds for XXXX  days. I called again to inquire why this was done and was again told that the situation was escalated because it had now been XXXX weeks. I'm a XXXX XXXX XXXX  XXXX Veteran on a small fixed income. Because of this, I am now facing eviction and homelessness because I can not access my funds. This is theft. Plain and simple and should not be allowed. It seems Venmo is a Scam to hold and use/invest customers money while preventing them access. That type of financial manipulation should be punishable by law. The should not be allowed to set terms to allow this. I demand immediate release of my funds and that Venmo be punished to the furthest extent allowed by law.
Product: Debt collection

This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute information on my credit file for this CAPITAL ONE BANK USA with Account Number XXXX. My full name is XXXX XXXX XXXX and I was born on XX/XX/. According to XXXX, the owner of this account is one XXXX XXXX XXXX who date of birth is just XX/XX/XXXX. In addition, my XXXX  credit report does not show any account number for this CAPITAL ONE BANK USA. I believe it is an account that should not be on my report because it does not belong to me. Kindly provide proof that shows this account belong to me with my full name on it, full account number, my full social security number or delete it for my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically the credit bureau 's are reporting duplicated and some triplets of the same accounts. There a errors being reported and they have fail to correct.
Product: Mortgage

This has been an ongoing problem. Prior to my current lender, NewRez, LLC ( c/o Shellpoint Mortgage Services ) obtaining the loan I did a refi on my mortgage. Then before making a first payment XXXX XXXX sold the loan to NewRez. 
Since the refi was in XXXX both former lenders collected and paid the XX/XX/XXXX property tax installment. 
In XXXX I discovered that the County did not refund the duplicate payment but rather attributed it as early payment to the XX/XX/XXXX installment. 
In the mean time, NewRez has been collecting {$520.00} in escrow monthly to cover mainly taxes, as well as roughly {$130.00} homeowners insurance monthly. 
The escrow account balance continues to grow as they never paid the XX/XX/XXXX taxes ( since it was already paid by duplicate XXXX installment ). However, they have not returned the money but rather are keeping it indefinitely in the escrow account. 
The current balance as of XX/XX/XXXX statement is {$4900.00}. 
I have reached out over the phone and the rep told me to go to their website and request an escrow analysis. I have done so three times without successful resolution. 
I keep getting similar responses, such as " we are waiting for a refund from the county '' ( False, the property taxes we NOT paid by NewRez. Not refund expected. ) or " we can not do an escrow analysis on the account at this time. '' or " It will be done by end the XXXX ''. Then I reached out again at the end of XXXX and was told it would be done by the end of XXXX. 
The bottom line, I am being strung along and they are wrongfully retaining funds I am entitled to receive since XX/XX/XXXX.
Product: Credit card

I have been a customer of PNC bank for about 10y. And I just had a scary experience with this branch. 

On XXXX/XXXX/15 I stopped by to make a deposit and get a copy of my statement since I was going to DMV ... Which was a horrible experience too. 
The bank teller had the audacity to open a credit card account without my AUTHORIZATION or even mentioning it to me. The lady kept asking me weird questions which I found so unprofessional such as the area I live at is very expensive, how much I pay for my rent! I must make good money to live there ... These questions were very annoying and I should have sensed that she was actually cooking something for her own benefit. 

This lady opened a credit card account without my AUTHORIZATION!!! I find out later they get some kinda credit by opening credit card accounts for their customers ... They are trying to get as much customers as they can. This lady now most probably ruined my credit as we all know in order to get a credit card they run your credit and closing it also affects your credit. 
I 'm very frustrated that PNC bank put me in such situation where now I have to deal with things I never had to deal with and I 'm pretty sure I will no longer be one of their customers because I have lost my trust. If they were able to open a credit card account without my authorization they are also able to use it. And this is a fraud and illegal. 

Ah and the best part is some lady called me which I forgot her name and I think she s a manager at that branch. She was trying somehow to convince me that this is n't a big deal because I 'm a pre approved for a credit card and that 's why ... Lady no pre approved or not there is no way to open a credit card without me AUTHORIZING it.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent unauthorized inquiries on my report