23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage From XX/XX/XXXX to XX/XX/XXXX was serviced by Ocwen Mortgage. My mortgage is now being serviced PHH mortgage. When my mortgage was transferred to PHH, PHH informed me on a recorded line XX/XX/XXXX that my home loan went 8 months without payment causing XXXX to be placed on the end of my mortgage balance. Yes I did get a loan modification with Ocwen but my mortgage payments were still being paid. I have made some payments late but i jave never gone almost one year with ever making a payment since the inception of the loan in XXXX, Some how XXXX is missing from my payments. As a result, I have been unable to get a refin to lower my interest rate and overall my mortgage payments. I think I being vitumized by predatory lending by Ocwen and PHH mortgage. Can some one from your agency investigate why Ocwen transferred my loan to PHH mortgage with 8 missing payments totaling XXXX. I can provide documents showing payments were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FCRA rights have continually been violated. I have submitted multiple disputes and a most recently a complaint on approximately XX/XX/2023 ( XXXX ) to the companies involved and they have continuously reported INACCURATE information on my credit report and In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights under 15 USC 1681s-2 ( A ) ( 1 ) specifically 1. XXXX XXXX Account # 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 a account without my written instructions 15 U.S.C 1681c. ( 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 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I have never been so humiliated and disgusted with any housing business as I am with Fairway Independent Mortgage Corporation at this moment. The XXXX TX branch have one of the nastiest and hateful persons working on loans right now and it makes no sense. I closed my loan with Fairway in XX/XX/2016 and they sold it to a bank, fine no big deal. My monthly payment did not change. Last week I receive notice from the bank that my escrow was short almost {$900.00}, so I call the bank and they tell me that some taxes were not inclusive in the escrow. I call this lady XXXX at Fairway to get some assistance with this because I am confused. I have owned XXXX homes and never has an escrow account be so out of balance and it did not make sense. She was nasty from the start, not trying to hear what I had to say. I asked her to call the bank because they had two separate stories ands told me that was above her job description and she was not going to call the bank. At this point I am telling her how unprofessional she is acting and just forward me documentation of what she was saying. She hung up on me. Then I emailed the guy who actually did my loan and I cc 'd her explaining everything to him. She responds, thinking she is sending the email to him, but accidentally sent it to me calling me " XXXX '' I respond telling her she sent that to me and calling me out of my name was not only unprofessional, but not to be tolerated. She never even apologized for getting caught doing something this unprofessional. She then later emails me in response telling me " if I had any kind of decency, I would not have emailed her manager since he was just out of XXXX. '' I had no idea he was in XXXX as he emailed me this weekend in response to my question regarding this. XXXX is the most unprofessional, rudest, insensitive person I have met at this company and shame on you # Fairwayindependentmortgagecorporation for allowing a person with such a nasty attitude to have access to clients. Is this what you think of your business practices? With this being sad, anyone who chooses to use this company, asking for XXXX is a HUGE risk.
Product: Debt collection

I know that I had owed a debt to a credit card, I worked with a lady at Messerli & Kramer to set up some payment plan. This was nice, it worked and I received a letter stating that I owed more than what our original debt was. I was confused as was the lady I worked with. She then stated that she would be looking into the situation and get back to me. She never got back to me, but sent a letter stating that I owed one more payment of the agreed upon amount. I then received another letter later saying I owed more money. I called and was confused as to why I owed more money, they stated that it was legal fees and that I did owe it, but would look into it and get back to me. I did tell them that if I did owe it I would like to work to settle this issue with a payment plan as the fees were more than what I could afford at the time. I never heard from them and assumed the issue was cleared up. More than a month to two months later I have now a {$40.00} levy/ garnishment levy fee attached to my bank account as of today. I do n't agree with this as I have attempted to contact them about finishing up these issue and nobody has returned my calls or sent any letters saying this is going to happen.
Product: Mortgage

My mortgage processing company 's name is XXXX XXXX. XXXX  XXXX not credit a mortgage payment to my account. I contacted them in writing via their preferred method of contact, email to their research department, with evidence of payment for my XXXX bill. I emailed proof of payment in the form of an endorsed check - endorsed by XXXX. The payment never processed the account even though the check was cashed. They credited the next month 's check earmarked for XXXX payment as my XXXX payment and continued this moving up to this date with my future payments ... 

I emailed this information on XX/XX/XXXX and XX/XX/XXXX. 

My check in the amount of payment due, {$1900.00} was processed by my bank, XXXX XXXX XXXX, and sent to XXXX XXXX on XX/XX/2020. The check was cashed on .... 

I continued to followup with the lender weekly via email and phone calls. They did not address the issue and have sent multiple notices of " default and cure letter '' without reviewing my proof of payment which created the issue. They have not said they tried to located funds I sent and credit to my account.
Product: Mortgage

I have applied for a loan modification and I was told during the loan modification process not to submit payments until approved. I have also been told this should not affect my credit report. I have been notified my credit report shows no payment when I have been told to save the payments until the loan modification have been approved. I believe my mortgage company should not report delinquency during a loan modification process. Please assist by having the report updated.
Product: Credit card

On Thursday XX/XX/XXXX, I received a text message on my phone that my card was charged {$210.00} at a XXXX. I immediately called Bank of America customer service to report the charge as fraudulent. The representative informed me that my physical card was used and it was a chip transaction. I was extremely confused and concerned because I had my physical card ending in XXXX and expiration date XX/XX/XXXX in my possession. After speaking with the representative and creating a claim ( Claim number : XXXX ), I received several emails from Bank of America with details how to track my claim and such. I further searched my email for emails from Bank of America and found an email dated on XX/XX/XXXX that stated Your credit card ending in XXXX is expiring soon. We sent a new card to this address, the email stated my card was shipped on XX/XX/XXXX and would arrive in 7-10 business days. I have attached a copy of this email to this document. I have never received that replacement card in the mail, which leads me to believe my replacement card was stolen in the mail either at the Post Office or from my mailbox and then used without my knowledge or permission at a XXXX in XXXX XXXX Connecticut on XX/XX/XXXX. I live and reside in XXXX, NY and have never used my card in or traveled to Connecticut. I still only have the card ending in XXXX that expires on XX/XX/XXXX in my possession. On XX/XX/XXXX, I was notified that my claim was rejected because it was a chip transaction. Bank of America completely disregarded the letter I sent them by fax explaining the situation. How can I be held responsible for a charge from a card I never received in the mail! They sent it by regular mail with no signature or registered mail. The customer service representative should have asked me for the expiration date listed on the card I had in my possession. It is abhorrent that the card could be activated or simply used straight from the envelope without any confirmation that it was actually in MY possession. I should not be held responsible for charges from a card I never received in the mail or activated myself.
Product: Mortgage

Ditech is suing for foreclosure without legal standing. They claim to control the underlying debt ( Note ) but I have correspondence from Ditech that they are " merely '' a servicer. 

I feel this this a deceptive, fraudulent misrepresentation of a company that is simply a servicer of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted Identity Theft reports and required documentation for proof of my identity to credit bureaus along with requests for complete credit file disclosures from the companies listed but Ive only received credit reports. Im asking for all the information and documentation that each agency has stored on my file. A full individual file disclosure associated with my identity so I can confirm the accuracy of the information in the file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commerce Home Mortgage located on XXXX XXXX XXXX XXXX # XXXX XXXX, NM XXXX ran a hard credit inquiry on my credit on XX/XX/2020 through the credit reporting agency XXXX XXXX XXXX. This credit check was not requested or authorized by me. On XX/XX/2020, I made contact with XXXX XXXX Mortgage  Advisor Assistant who claimed this inquiry was not a hard credit inquiry and was ran as a refreshment inquiry to see if they could provide me with a better loan rate. I advised her that this was reflecting as a hard inquiry on my credit report which lowered my credit score and I needed this to be cleared from my report as I did not request or authorize this credit check. XXXX stated that my credit should return to normal soon and could not provide any assistance in this matter, she could only say sorry for running my credit without permission.
Product: Mortgage

I have a mortgage that was bought out by PNC bank ( pnc.com ) PNC does not allow customers who do not have a PNC banking account ( ie only have a mortgage account ) to make extra payments correctly. PNC is using deceptive banking techniques to steal interest from customers. 

Example : Let 's say I have an automated monthly mortgage payment of {$2100.00} ( XXXX principle, XXXX escrow, XXXX interest ) per month. If I use PNC 's website to make an early mortgage payment of {$2300.00}, PNC does not allow you the ability to allocate all XXXX to the principle. PNC will take your money and just pay the next month of mortgage ( effectively allowing PNC to make more interest money off of their customers ). This is due to XXXX not being applied appropriately ( ie it goes to escrows and interest ). PNC deprives customers from immediately having the XXXX lower the monthly interest collected When I called PNC to ask why they don't allow me to allocate the money the way I want they say i have to open a PNC bank account to choose how my money is allocated or I can call every single month and waste 20-30 minutes of my time to have them file a misapplied payment correction. I told them well i would like to request this on my file as a preference so i don't have to call every month. They told me that wasn't possible.
Product: Credit card

I contacted SELF regarding a fraud alert I received on XX/XX/XXXX, at the time only XXXX fraud charges were pending, which I disputed imagine my surprise today to see that not only did SELF deny my dispute because they stated that I logged into the app on XX/XX/XXXX & That the chip was used during this transaction. Of course I logged into the app to see what fraud transactions were made so that I can call them to dispute it. And of course the chip was used my card was lost and used in what it looks like NY & NJ which i DO NOT live. Now there is a balance {$580.00} & im not paying a cent of it because I did not make these charges. Also at the time I called in on XXXX there were only a XXXX charge pending and then today theres now another XXXX charges that were never pending or posted to my account. I challenged SELF on this because how did you guys not see these other charges as if they approved them to go through even after locking and replacing my card! I have provided a screenshot showing that I stayed no to the charge and they still allowed multiple Other fraud charges to go through! Now they are stating that I am responsible for these charges when I didnt make any of them.
Product: Mortgage

My mortgage processor is sending me a NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT when i 'm not even 3 months ( 90 days ) late on my mortgage. In addition, my mortgage is due on the first of each month with late fees starting on the XXXX of each month and a grace period until the end of the month. Therefore, Ditech ( my mortgage processor ) starts calculating my loan is late on the XXXX and issues me a NOTICE OF DEFAULT AND RIGHT TO CURE DEFAULT on the XXXX of the month. As a result, I have 90 days before I even suppose to get such a letter which was send to me in 60 days.
Product: Debt collection

These are the same collector I disputed previously from XXXX. I used to lived a apartment call " XXXX XXXX '' in XXXX XXXX XXXX from XXXX to XXXX and when my least ended at the same year. I notice the manager for two months ahead that I will not going to renew the least and I 'm planning to move out and she agree to it unless I 'm not going to ask her the deposit money. And when I ask her she said l 'm going to clean towards the apartment. Because, I told her I 'm leaving some of belongings in the apartment and I said you can donate it any charities of your choice and she agree to that too.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$5100.00} XX/XX/XXXX XXXXXXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX  : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$5100.00} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I penned a debt verification letter to Sequium/XXXX XXXX for an account placed on my consumer report that I do not recognize. In this letter I requested a verification of debt, including amount and account number, information for original creditor, documentation that they have verified that it is indeed I who is responsible for this debt and their license to collect in the State of Florida. I also requested that they remove this account from my report while they investigate. This letter was received by an individual from their office on XX/XX/XXXX ( documentation enclosed ). Because I requested this information within 30 days of the initial contact regarding this debt ( XX/XX/XXXX ), then according to the Fair Debt Collection Practices Act, I am entitled to all of the information that I requested in my letter to Sequium dated XX/XX/XXXX. As of today, XX/XX/XXXX ( well over 30 days since they received my request ) I have not heard back from Sequium. THIS IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT. Since they have not supplied the demanded proof then I may presume that no proof of the alleged debt, nor therefore any such debt actually exists. Because they are unable to verify this debt, Sequium MUST remove this account from my consumer report. They have failed/refused to provide substantiated documentation or to even respond to my request.
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days The other bureaus have already removed these accounts from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how these accounts were verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of these accounts from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX, XXXX XXXX
Product: Debt collection

I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.
Product: Credit card or prepaid card

I have a American Express XXXX XXXX credit card. One of the main benefits of the card is you earn 6x points per dollar spent at XXXX prioperties. 

On XX/XX/20, I stayed at the XXXX XXXX XXXX. I used my Amex XXXX XXXX XXXX  card for room charges. I should have earned 6x points for these charges, but I only received 2x points. 

XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1500.00} XXXX  XXXX  XXXX  XXXX  XXXX XXXX The charges are coded as " sporting goods '' for some reason rather than " hotel ''. This is a brand new hotel, so their merchant payment processing probably wasn't set up correctly, and Amex 's systems didn't code these charges correctly. 

I chatted with an American Express agent on XX/XX/XXXX, and opened case XXXX. They said it should be resolved in 7-10 business days. I chatted again on XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, and again on XX/XX/XXXX. In each case they said it was under review, and no update was available.
Product: Credit reporting or other personal consumer reports

I attended XXXX XXXX of XXXX. This was a for-profit school that offered technical training and ongoing professional support for graduates. I was enrolled in the XXXX XXXX program. After XXXX, the school changed names several times. They went out of business in XXXX  and stopped accepting my loan payments. I discovered that the school had gone into bankruptcy and was part of a national lawsuit. 
I did not know my loan was transferred to Great Lakes until a year or so after because I was never notified, and then the repayments were paused because of Covid. However, If I WAS notified, I would have requested my loans be put into forbearance. I have been below the poverty line for many years and the school I paid to train me and launch me into the professional world failed me and stole my money without providing the ongoing job placement and continuing education as promised. 
This loan was forgiven in XXXX as a result of the Supreme Courts decision to forgive these fraudulent loans. 
I have requested that Great Lakes remove these lates, but they are no longer in business suddenly, they merged with Nelnet, and Nelnet says they don't show my loans in the system even though they were the ones who sent me the notice that my loans were forgiven just 2 months ago. 
I am requesting that the Great Lakes account not be allowed to be reported on my credit report since they do not have any record of me at all nor do they have any record of lates payment or forgiveness or anything. 

I am in the process of obtaining a mortgage and these lates are hurting my hard-earned credit. 

The arbitrary lates listed on my credit report for Great Lakes are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and are being reported to XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove inquirys on my report due to identity theft as per attached letters. 
Credit Reporting Bureau : Equifax XXXX XXXX XXXX, Dated XX/XX/2017 XXXX XXXX, Dated XX/XX/2017
Product: Debt collection

The company NCB MANAGEMENT SERVICES, reported to the three mayor credit Bureau, a fraudulent account opened under my name XXXX XX/XX/XXXX: Report Number : XXXX Date Generated : XX/XX/2020 ) and associated under my credit profile. I tried to deal with NCB MANAGEMENT SERVICES and with Credit Bureau like XX/XX/XXXX and XX/XX/XXXX but no one tried to help me. Every time that I tried to open a dispute withXX/XX/XXXX I got the following error : " You have previously disputed this item. We are not required to process a duplicative dispute. '' Now NCB MANAGEMENT SERVICES had associated the same account into my wife credit profile. 
My wife tried to get a new car and now she was unable due to the fraudulent account. 

Please I need your help. 

Thank you,
Product: Credit card or prepaid card

I made a purchase of {$740.00} on XXXX The products are fake/counterfeit and I tried to cancel orders but they sent me item anyway.. 

I would like a refund-charge back done on this card.
Product: Mortgage

We Got approved for a loan modification with XXXX XXXX services on XX/XX/XXXX We made our trial payments Starting XX/XX/XXXX till XX/XX/XXXX And XX/XX/XXXX XXXX XXXX XXXX Never sent the permanent contract on how much our mortgage would be on XX/XX/XXXX XXXX XXXX XXXX sold our loan to Rushmore. So we ask Rushmore if they could honor what XXXX Gave us and they said NO we will have to fill out for a new loan modification and we did and have been denied twice please help us we do not want to lose our home but they are not trying to work with us at all