23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH Mortgage is our mortgage provider. Our loan was purchased by the company in XXXX  from our original mortgage provider. Our mortgage is escrowed for our taxes and insurance. We have never missed a payment and have always paid our mortgage in full and on time. 

On XX/XX/2021 I noticed that our escrow disbursement for property taxes did not match the quarterly tax bill sent by the city- it appeared to be underpaid by {$630.00}. I immediately called the company to report my concern. I was reassured that the bills were being paid through our escrow and it was not a concern. Not believing this to be the case, I followed up with an email ( provided ). I was told to mail a copy of my tax bill, which I promptly did, but received no response. I followed up and was informed ( now XX/XX/2021 ) that it was not received and instructed to email the bill instead. After emailing the bill, I did not receive a response until I followed up on XX/XX/2021. 

On XX/XX/2021, I received a notification from the company that the tax team followed up with the city and that they confirmed taxes were not owed until XXXX but failed to answer my initial question. I followed up to reiterate the question and was told that the company handles the escrow and provides a " cushion amount, '' dismissing my question. 

In XXXX we received a notice from the city that we were delinquent on our taxes. We followed up with the city immediately to learn that PHH had not been paying our property taxes. Upon a call to PHH we were told the payments had been paid. At this point we threatened legal action which elevated us to the escalations manager. 

In late XXXX we learned that our property taxes had been dispursed to the incorrect parcel starting in XXXX. From the city 's perspective, we are now significantly delinquent in property taxes, owing over {$9000.00}. 

PHH Mortgage has been working on the case since XXXX. We have been told that they will be refunding our escrow and will be covering the interest due and additional fees from the city. Every week I receive a phone call updating me on the case, with the only update being that there is no update. 

In XXXX, we received a notice from the city stating that if our property will be placed on the market in XXXX if the taxes are not paid. 

We have called PHH Mortgage on a regular basis to speed up the process, but it seems to be going nowhere. 

We are first-time homeowners who feel frustrated, terrified, and unable to pay for a lawyer. When our mortgage was sold to PHH - I read the reviews on the company and considered refinancing. I wish we had.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX phone someone stole my information this XXXX XXXX keep XXXX up my account amount {$700.00}. One dealership run my credit many times even though i told them not to do it. I did not approved it for them to run my information that much. I need this to be clear for all credit places ASAP. Even child support is done too clear everything. XXXX im not going to be paying for someone XXXX XXXX i never did at all. Please clear everything from my record because im becoming a XXXX XXXX my record needs to be clean.
Product: Checking or savings account

On XX/XX/2023 I requested SECU in XXXX NC to mail check in the amount of {$180000.00} to XXXX XXXX XXXX in XXXX as IRA Trustee to Trustee Transfer. I hand-delivered the transfer request to XXXX NC XXXX XXXX XXXX. On XX/XX/2023 funds in the amount of {$180000.00} were withdrawn from my Traditional IRA account at SECU and I was advised that a check had been mailed that day by SECU. 

XXXX XXXX XXXX had not received this check as of XXXX XXXX  today on Wednesday XX/XX/2023. 

I have been inquiring of SECU for several business days where the delay was in delivery of the check.

I have just now been informed by SECU that a 3rd party vendor who is out of state has been contracted by SECU to print and mail paper checks.

SECU had not previously disclosed to me as a member that check printing and mailing was contracted to out of state 3rd party vendor. SECU staff advised me this week that they were likewise totally unaware that checks were being printed and mailed by out of state 3rd party vendor.

I have asked what city and state the 3rd party vendor is located and SECU advises me that for security reasons they can only advise that the vendor is out of state.

I find it shameful and wrong for SECU not to disclose to members and to employees that SECU has contracted with a 3rd party vendor to print and mail checks and also not to disclose the location of the out of state vendor.

If SECU had previously disclosed that checks are now being printed and mailed by 3rd party vendor who is out of state, I would have chosen to handle the transfer as rollover and taking the funds in person to XXXX XXXX XXXX. 

I have now been advised today by SECU that I must wait 10 business days to request a stop payment order on the " lost '' check that has been reported to have been mailed on XX/XX/2023 and not received by XXXX  on XX/XX/2023. 

I wish for CFPB to demand that SECU be open and transparent to members and to disclose to members that checks will be printed and mailed by out of state 3rd party vendor and that SECU disclose the location of the out of state 3rd party printing vendor
Product: Credit reporting or other personal consumer reports

To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. I demand the following accounts to be verified or removed immediately : Name of Account Number Provide Verification Creditor 1 XXXX XXXX XXXX {$870.00} ACCOUNT # XXXX Creditor 2 XXXX XXXX XXXX XXXX  XXXX  {$740.00} ACCOUNT # XXXX Creditor 3 XXXX XXXX  {$2200.00} Creditor 4 : XXXX XXXX XXXX {$150.00} Creditor 5 : XXXX XXXX {$13000.00} Please remove all non-account holding inquiries over 30 days old. * Please add a XXXX Suppression to my credit file.
Product: Debt collection

I have recieved several collection notices for accounts unbeknownst to me.
Product: Credit card

My identity was stolen. I learned this from a credit monitoring service which informed me of XXXX requests for credit reports in the past few days. I did not initiate these loan requests. XXXX of the requests for a credit report was from Synchrony Bank, which provides credit cards for various retail companies ( i.e., The Gap, JC Penny, etc ). When I tried to talk with Synchrony to dispute this, and to alert them that it was fraud, they could not help me because I did not know which credit card was involved. I explained that I could not possibly know, since the request did not come from me and was fraudulent. The credit reporting company, XXXX, only has that the request came from Synchrony Bank. I have tried several times today to explain this to Synchrony but they say there is nothing they can do. They did put me in touch with " customer service '' but that is only an automated service that requires me to input my credit card number, which of course I do not have. This is ridiculous and is unfair to me -- I am the victim here. I just want to alert them and protect my credit rating. Any help you can give is greatly appreciated. I am writing this at the suggestion of the Maryland Office of the XXXX.
Product: Credit reporting or other personal consumer reports

I XXXX  received voice message from a XXXX at Bank of America from XXXX on XX/XX/2024, and to call back at XXXX using reference # XXXX. Then, I received a letter on XX/XX/2024 from XXXX XXXX dated XX/XX/2024 addressed to my maiden name, stating that my application for the XXXX  XXXX XXXX XXXX XXXX was being reviewed and to call XXXX, with the same reference #. I called Bank of America but did not see any open accounts. I pulled my XXXX Credit Report, as the letter stated they obtained my report from them and found a Hard Inquiry for : BK OF AMER Date of request XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Address identification number XXXX I submitted a fraud alert with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. The fraudulent accounts on my report are charges that I did not authorize.
Product: Debt collection

Judgement in NY against XXXX XXXX for {$1400.00} by XXXX XXXX XXXX, XXXX in XX/XX/2013. 

I believe that this violates CFPB Admistratuve PrAlso, the judgement from XX/XX/2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can close. 

Also, the judgement from XX/XX/2013 below showed up on your title report. Please confirm if this has already been paid off and if so, provide documentation that it has. If it hasnt paid off, it will need to be paid off or eliminated before we can proceed This came up during a refi and not in a credit report this week during a title search. I have no knowledge if this judgement and have had several where this judgement never appeared. 

Please remove and or show proof of service. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX
Product: Debt collection

On XX/XX/24 I recieved a letter from XXXX, XXXX, XXXX XXXX l p a. representing UHG I LLC. 
The letter stated that my wages will be garnished if I do not contact the law firm. I do not owe the plaintiff any monies. I did not have a contract with this company. 
I do not know what this debt is in relation to myself. 
This letter is vague as to what exactly is the debt that UHG alledges that I owe them. If this is a credit card debt that I am unaware of, I am requesting proof that I owe any debt to UHG I LLC.
Product: Checking or savings account

United Airlines Charged me {$1600.00} and {$100.00} and I didnt recognize those transactions because my wallet was stolen Chase customer serverice said that was my authorized transaction and denied my claim and they already contact with united airlines and they denided to proof any informations
Product: Credit card

CB Indigo is the company. It's been closed by guarantor. I never owned this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Good Afternoon, When reviewing my credit report, I saw that an installment loan was Opened up in my name XXXX XXXX. I then decided to call the company MoneyLion , Inc To get this taken care of because I have been a victim of identity theft. Before I could state the case, the guy on the phone accused me of opening the account because payments were made to the account. I was explaining to the guy that wasn't by me, and I didn't authorize anything. I then provided him with a police report by the XXXX Police, an ID theft Affidavit, proof of identity, an FTC report, and a dispute letter to the company. I sent all the documents to fraud@moneylion.com. He then proceeded to send me an agreement that I didn't authorize, then after all the documents I provided, he said that the account belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. Due to their errors in reporting Im reporting these violations. The first being with the XXXXDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below are inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting or other personal consumer reports

Experian refuses to remove an address from my credit report that is in Oklahoma. I have explained to Experian on multiple occasions that I have never lived in Oklahoma nor have I ever even been to the state of Oklahoma. Instead, Experian delays their investigation of the report by 30 days at the 29-day mark every time and refuses to remove the address. I am unsure how else to prove to Experian that I have never lived in Oklahoma. Their continued refusal to remove a blatant error on my credit report is negatively impacting it. Experian refuses to provide me with any information proving that I have lived in the state and has never requested any documentation from me. Instead, the reports I get and people I talk to simply say " sorry, not being removed ''.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE OF ENGELHARDT. V GRAVENS ( MO ) 281 SW715.719 PRESUME THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT IN FACT THERFORE EXISTS. ( PLEASE REMOVE THESE ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) XXXX  BALANCE {$100.00}, XXXX XXXX XXXX  {$0.00}, XXXX {$0.00}, XXXX XXXX XXXX BALANCE {$120.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}, PLEASE REMOVE THESE INQUIRIES XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I signed up for Square Payroll services, Square debited my checking on XX/XX/2021. The monies were never sent to the payee and I was locked out of my square account I have emailed and called square more than 10 times and I haven't received a reply,
Product: Checking or savings account

What I am about to report now is that a person named XXXX XXXX caused a problem by opening a bank account with my social security number. 
The banks with the problems are Investors Bank, XXXX XXXX XXXX. 
I heard from my bank XXXX that on XX/XX/XXXX, there was a problem with the checking account, so I could not open the bank account. 
Here is what I got from XXXX bank & Investors Bank. 
XXXX XXXX with an address of XXXX XXXX XXXX XXXX XXXX, NJ came to the bank with XXXX XXXX 's ID and my social security number, and he took about {$53000.00} from Investors Bank and did not pay back last XX/XX/XXXX. 

This is not the first time who XXXX XXXX caused problems with my identity. I have reported to the XXXX Police department on XX/XX/XXXX. The case number is XXXX. 
On XX/XX/XXXX, I also reported to the XXXX XXXX Police department and the reports number is XXXX. 


another problem, Investors Bank even does not try to help this case at all. 
I went to XXXX XXXX XXXX office and called them many many times but, they do not want to answer anything to me. 

I do not know how to get information. 


XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card

Complainant : XXXX XXXX XXXX Secured Party Creditor : UCC1 Filing Number : XXXX Respondent : CitXXXX XXXX  Nature of Complaint : I, XXXX XXXX XXXX , am the Secured Party Creditor of XXXX XXXX XXXX XXXX secured under UCC1 Filing Number : XXXX. This filing establishes my superior claim and legal authority over any debts or obligations tied to that name. 
Citi continues to report inaccurate information to the Credit Reporting Agencies ( CRAs ), specifically a charged-off account, despite the fact that I, as the original and superior creditor, did not authorize the transfer, sale, or assignment of any such debt. 
This conduct is a violation of UCC Article 9, as I have the ultimate control over any public debts associated with XXXX XXXX XXXX. Furthermore, any continued reporting of this debt without my consent is a direct infringement of my legal rights under the Uniform Commercial Code. 
Relief Sought : I hereby demand that Citi immediately delete all negative reporting related to this account from all Credit Reporting Agencies. Failure to do so will result in further legal actions to enforce my rights under UCC law and pursue any applicable remedies for this violation. 
________________________________________ Respectfully, XXXX XXXX XXXX Secured Party Creditor UCC1 Filing Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus for the following unauthorized Inquiries listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. In addition, Kindly delete this incorrect address ( XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, VA XXXX ) right away because this is not my address. 

Inaccurate Inquiries : XXXX/XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Request Letter to remove inaccurate old information. I will place the letter in the upload documents field.
Product: Credit reporting, credit repair services, or other personal consumer reports

I look at my Credit Reports and found the following errors : XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX   # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXXXXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXXXXXX XXXX # XXXX I have never late. Verify records or delete late records XXXX XXXXXXXX XXXX I have never late. Verify records or delete late records These are addresses I do not recognize, please DELETE XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, OXXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX My only phone number that are correct : XXXX. Please delete all other phone numbers. 

There are variations of my name which are not correct. Please delete name variations. 

There are variations of my Social Security Number, which is a red flag why there are accounts I do not recognize. Please verify my SSN and remove any variations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am filing this complaint for my self. THIS IS NOT A DUPLICATE COMPLAINT. THIS COMPLAINT HAS NOTHING TO DO WITH THE CARES ACTS. MERCEDES BENZ FINANCIAL SERVICES is in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting late payments on my consumer report for an account with [ account # : XXXX ] EXCLUSIONS- : Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; MERCEDES BENZ FINANCIAL has been reporting late payments which are transactions. THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU, MERCEDES BENZ FINANCIAL ) Making the report is NOT INCLUDED on my consumer report! A late payment is a transactional history. This is my HISTORY with your company and CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting these transactions and experiences on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Payment History or delete all late payments from the accounts [ account # : XXXX I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts. If MERCEDES BENZ FINANCIAL SERVICES continues to report late payments on my consumer report I will file for litigation for actual damages caused and MERCEDES BENZ FINANCIAL SERVICES will be held criminally liable for willful noncompliance pursuant to 15 USC 1681n. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Debt collection

Noll Collection is threatening to garnish my XXXX check for a debt they are fully aware of the fact I DO NOT OWE. Noll Collection never properly served me and some how got the judge to allow them to serve me by publication. I was wrongfully evicted from my apartment and I have evidence my landlord was trying to over charge me for rent. I also have evidence my landlord is the ones that broke the lease not me. I worked out of town and my landlord was fully aware of this fact. The lease I signed said when rent was due then I was a fee of a dollar each day rent wasn't paid that month. I literally still have the lease. In fact the judge that ruled against me advised XXXX to remove the dollar a day fee cause in his words it could lead to muddy waters. I was wrongfully evicted from my apartment then railroaded by this legal system here in XXXX XXXX and now Noll Collection is attempting to garnish my XXXX check. The attorney for Noll Collection knew I was working and filed for this notice of publication which should be a crime. XXXX was allowed to illegally evict me then this curupt legal system wrongfully convicted me then to help allowed Noll Collection attorney to serve me by publication trying to steal more money from me by garnishment and I'm wrong for trying to leave my life. This company criminal actions need to be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian should not be reporting a collection/chargeoff in the amount of {$1500.00} on the CAPITAL XXXX BANK partial account number XXXX. ( Please see page attached from my credit report. ) This account was included in my Bankruptcy and needs to report a {$0.00} balance and the coding changed. This false reporting of a collection/chargeoff is seriously harming my XXXX XXXX and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I requested information of validation and balance XXXX XXXX XXXX opening date XX/XX/year> Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX