23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In 2019, I had a television and internet service account with XXXX XXXX XXXX for several months. Not satisfied with their service, I called to cancel the account. I spoke with an XXXX XXXX XXXX rep over the phone who closed my account with no balance due and mailed me a shipping label to return my equipment. I shipped my equipment and the tracking number showed received. Several months later I start getting messages from XXXX XXXX XXXX that my account was overdue. I tried to tell XXXX XXXX XXXX my account was closed and that my equipment had already been returned. I contacted XXXX XXXX XXXX several times to explain the situation to them, however, they kept simply ignored my facts and asked for payment. After a few more months, XXXX XXXX XXXX sent the account to collections which I disputed as not due. When I disputed the account, the credit reporting agency agreed with us and removed the collection. XXXX XXXX XXXX used subversive actions by reporting the disputed collection to another collection company which would then show up as a collection on my credit. I have disputed this same disputed collection multiple times for over 2 years from different collection companies and each time the credit reporting bureau has agreed with me and removed the collection. I need assistance in telling XXXX XXXX XXXX to stop moving the disputed collection to a different collection agency each time I dispute the collection and have it removed from my credit by the credit reporting agency. At this point XXXX XXXX XXXX is harassing me without due cause.
Product: Mortgage

Purchased a home ( XXXX ) with a conventional loan ( XXXX ) and a bridge loan ( XXXX ) in lieu of selling previous home. Sold first home, paid bridge loan in full. Conventional loan was sold to us with PMI until the bridge was paid in full. We sold the first house, paid bridge loan and penny Mac refused to remove PMI stating that the house decreased in value over XXXX in the month since we purchased it. 

They made us pay XXXX to have them appraise it again, even though we had an appraisal at purchase ( 35 days previous ) that stated the house was worth $ XXXX. Our loan is {$720000.00} and under the XX/XX/20 required to remove the PMI. 

PENNYMAC states they will remove the PMI if we pay them an additional $ XXXX? 

I feel they screwed the appraisal they ordered to keep the PMI fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian, Credit companies are not complying with their own policies within a timely manner, on XX/XX/2022 I contacted the above companies regarding multiple account inaccuracies including a XXXX consumer account showing {$XXXX} balance and inquiries including XXXX XXXX, first XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, I have yet to receive in response.
Product: Mortgage

Creditor name is PHH Mortgage Services We were traveling overseas during the months of XXXX and mid XXXX, 2018 and  were not aware that our XXXX payments, sent automatically from my XXXX XXXX XXXX account as a Bill payments, had been returned. However, upon realizing this mistake in late XXXX, I made several attempts to remotely solve the situation : - I sent another 2 Bill payments ( {$1500.00} and {$1700.00} ) from my bank in late XXXX that were deposited and CLEARED my account on XX/XX/XXXX, XXXX. However, unbeknownst to me, PHH FAILED TO CREDIT THESE PAYMENTS TO MY ACCOUNT. 
- Upon realizing that the payments had been returned I called PHH around XX/XX/XXXX and attempted to make a phone payment but the representative told me the account was blocked and I could not do so. 
- I then spoke to several people and asked to speak to a supervisor to see if I could send the payment electronically via a wire or ACH but was told that my account was blocked and that I could only pay with certified funds. 
- I then proceeded to send a wire to a neighbor for {$5500.00} and I asked him to go to a branch in person and pay the loan at a cashier, assuming that cash was certified funds. However, upon arriving at branch he was told that cash was not an acceptable for of payment.

- At this point I decided to cut my overseas trip short and return to the USA myself to deal with this situation. 
Now my credit file is showing 30 days late for XXXX and I'm unable to obtain a mortgage for a new home despite having made EVERY effort to pay PHH on time. I tried, they refused.It almost seems like they didn't want me to pay, crazy ...
Product: Credit reporting

Twice this year, in XXXX and today ( XXXX/XXXX/2016 ), it was brought to my attention that XXXX issues remain on my credit history despite all my effort and assurances they would be removed. These issues seriously lowered my credit score. The credit directory at this complaint is Experian. XXXX and a legal document proving that the matters were in error and/or closed are attached. XXXX XXXX was resolved more than a year ago with the help of CFPB, but it remains on my credit history also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters in to all three credit bureaus ; and no response. According to the FCRA by law if it is over 30 days it must be removed off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is attachments below.
Product: Mortgage

On XX/XX/XXXX my wife and I signed closing docs for a refinance with Better Mortgage. The funding date was set to be XX/XX/XXXX. Cash transfers were to be handled by XXXX XXXX XXXX XXXX XXXX. 

When XX/XX/XXXX came and passed my previous mortgage account was not paid off when I checked my online portal. I asked the Mortgage Advisor at Better who was handling my loan and was told to wait a couple of days. As at XXXX there is still no sign of any funds. They have also failed to pass on funds to XXXX XXXX for property taxes and XXXX for insurance. 

Despite several follow ups Better did not escalate my issue until 10 days past the date on XX/XX/XXXX and I am constantly having to chase still.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  Account XXXX  XXXX Amount : {$24000.00} XXXX  Account # XXXX : {$0.00} Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX wide bank closed my account and took two deposits and never sent them back
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information on my consumer report. There are several inconsistencies on my consumer report. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Equifax 's Press Release Statement : there was unauthorized access from MidXXXXXX/XX/XXXX The first indication that Equifax gave of this breach was on the XX/XX/XXXX This I an extreme amount of time to investigate and notify those affected of the LARGEST CYBERSECURITY BREACH in United States history. To top it off, the service that is offered by Equifax is through another entity who deceptively state in their ToS that signing up for this service ( which is offered to all victims of the breach ) removes your right to sue and that it will be decided in arbitration? The TOS is hidden and does not inform you until " after you 've input information to check if you 're affected ''. There are some that were registered automatically, INSTANTLY removing their rights to a fair trial. 

On top of it all, constant 404 's on the Equifax page, I am unable to complete forms on the Equifax page to put up a fraud alert ( calling them states they are too busy ). They also charge {$10.00} to put a freeze on your credit. Something that should be provided free of charge at the least! How is it legal for a company to say " We 're one of the 3 largest financial enterprises in credit consumer reporting in the world. We just had the largest data breach in history and we 're going to have our website broken and charge you to fix the problem. By the way, if you go with our service, you give up all right to SUE US FOR STORING INFORMATION IN PLAIN TEXT!
Product: Debt collection

I had two cards with capital one credit card company. During my business with them my identify was stolen and i took measures into contact-ion capital one and during this process there were fraudulent charges that were accumulation onto the card. Capital one did shut, and close both cards but say that want me to pay the money, even though i did not make the charges, there is o liability that capital one has but they keep harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had a credit card with XXXX XXXXXXXX XXXX, yet there is an account showing on my credit report as a secured card with a balance of {$430.00}. The address associated with it is an address I have not lived at for several years. 

I was assured this balance would be removed several months ago ( in the height of COVID ) yet to date, the account still appears on my credit report.
Product: Mortgage

House at XXXX XXXX XXXX XXXX TX was financed thru State Farm Bank. 
Mortgage in name of XXXX and XXXX XXXX, loan number XXXX XX/XX/2020 - House sold XXXX XXXX  XXXX, XXXX TX XXXX XX/XX/2020 - Actual date unknown. Received check for return of escrow dated XX/XX/2020 but sent to the XXXX XXXX  XXXX  address. Check issued in the name of XXXX XXXX and XXXX XXXX. XXXX XXXX was deceased. 
XX/XX/2020 - bank refused to cash check without signature of XXXX XXXX. 
XX/XX/2020 I went to State Farm office XXXX XXXX  XXXX XXXX # XXXX XXXX TX. Spoke with XXXX who made copies of XXXX death certificate, the check in question, XXXX will naming XXXX XXXX her sole beneficiary, and a change of address from the XXXX XXXX XXXX  XXXX TX address to XXXX XXXX XXXX XXXX TX XXXX. 
XX/XX/XXXX, XXXX I received letter dated XX/XX/2020 with USPS notification of change of address dated XX/XX/2020 with condolences and notification that XXXX XXXX was removed from the loan. ( The loan which was paid off at the sale on XX/XX/2020. ) The letter provided XXXX as a number to call for further questions. 
That number was called at least twice, likely three times, during this debacle. I left a message with a promise that I would be contacted within 24 hours. I am still waiting. 
XX/XX/2020 responded to above letter of XX/XX/XXXX, advising that they had copies of death certificate, advised new address again and requested re-issue of the check. 
XX/XX/2020 I received letter dated XX/XX/2020 ADDRESSED TO XXXX XXXX XXXX XXXX TEXAS XXXX. Not having the correct address of XXXX XXXX XXXX XXXX TX XXXX causes this correspondence to be severely delayed. This letter advised that they will respond WITHIN 30 days. Gave direct phone number XXXX which is a recording that doesnt produce return calls either. 
XX/XX/2020 -Responded to above letter reiterating comments of XX/XX/XXXX letter. Advised next letter would be to CFPB. 
XX/XX/2020 received letter dated XX/XX/2020 ( ADDRESSED TO XXXX XXXX XXXX XXXX TX AGAIN ) with notice that their review is taking longer and they would need additional time to furnish a response. They will provide a response within 15 BUSIESS DAYS - WHICH IS 21 CALENDAR DAYS ANOTHER THREE WEEKS. 
XX/XX/2020 4 months post sale I still do not have my escrow refund or any cognizant response other than form letters from State Farm Bank.
Product: Debt collection

My wife and I both received phone calls from ADR Billing LLC regarding a debt I supposedly owed. When the caller told me the last XXXX of the social security number I told them they had the wrong person and to please stop calling us. A few days passed and today, XXXX my wife received a phone again from the same phone number XXXX. After my wife told them to stop calling he began to use abusive language and even XXXX remarks. He called her a XXXX XXXX and you still live by the XXXX  and hung up.
Product: Credit reporting or other personal consumer reports

BEING A VICTIM OF XXXX XXXX HAS BEEN A VERY TRAUMATIZING EXPERIENCE FOR ME. THERE ARE ACCOUNTS WHO ARE FRAUDULENTLY REPORTING ON MY CREDIT FILE.
Product: Mortgage

Rushmore llc purchased my mortgage during covid and while i was in loss mitigation from previous servicer.rushmore llc defaulted my mortgage and denied loss mitigation.My hid housing XXXX enrolled me into the state of new jersey XXXX XXXX XXXX XXXX delayed the process by not submitting documents required and reporting me late and missed payments to credit bureaus.Rushmore llc has many complaints online of these same pratices.also Rushmore llc continue call asking the status of mortgage and physically put notices on my door knobs
Product: Debt collection

All prior credit card statements were sent to me. I asked for these documents to show proof that I was illegally charged on my account by XXXX XXXX XXXX  for a service that I never agreed to. They have no signature physical or electronic for that service and I have asked them to supply me a copy of the signature that says I signed up for it and they can't because I never did. I paid this credit card off in full. A month later XXXX XXXX XXXX called me trying to sell me a service called XXXX  XXXX. I declined these services. XXXX XXXX XXXX  then charged my account anyways for a {$0.00} charge labeled XXXX XXXX per the credit card statement. Because of this {$0.00} charge it triggered a minimum interest charge of {$2.00} causing my account to have a balance of {$2.00} after I paid it all off which racked up late fees over time. I tried to tell XXXX XXXX, XXXX XXXX, and now Midland Credit Management that this is because of illegal charges on my account. You can not charge someone for credit card insurance that they never agreed to. Noone will listen to me or help me even though they provided me the statement with the proof that clearly says this charge was not for any previous interest, previous purchase, or interest from current billing cycles..Meaning this is not leftover interest from the previous billing cycle which is what they tried to tell me until I showed them the proof. The account was paid off on XX/XX/year>. The illegal charge for the {$0.00} XXXX XXXX insurance was put on my account on XX/XX/year>. Again, I have asked for Midland and XXXX to supply me with an electronic or physical signature that says I signed up for this to cause this charge and they can't. I paid it off with no intention of ever using it again so there is no reason I would need account insurance. They have to supply proof of this and they can't because I never agreed. XXXX XXXX, XXXX, and Midland should all be held legally liable for the damage they have done and for seeing the proof of what I'm saying is true and pretending they don't. A woman at Midland even agreed with me that this was illegal then I never heard from her again. They keep trying to come after me for payment anyways. This is all highly illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several disputes and havent received any verifiable proof. Equifax only sends back the report stating the accounts has been verified as mines. I have asked Equifax to provide me with their method their utilizing to verify this erroneous information and to provide me documentation with my signature from the original creditor. To this date, Equifax has failed to provide me this information ( if Equifax stating they have verified this information as mines wouldnt you think they would provide me the information I am requesting. I know for a fact their using third parties to verify this information, such as XXXX and this is clearly a violation. I believe Equifax is not conducting a thorough investigation, but is utilizing their E-Oscar system, which is the automated credit dispute verification system which is not a thorough investigation. I also included the updated report Equifax has sent back to me stating the account were verified as mines, which states on the report Bankruptcy was verified through their third-party vendor XXXX ( VIOLATION # 2 ) ( NOT ORIGNAL CREDITOR ). By law according to the FCRA credit  bureaus are to do a thorough investigation and to contact the original creditor. I am requesting Equifax to do a thorough investigation and not utilize there E-Oscar System, PACER, XXXX, and any other third-party there utilizing but to contact the original creditors that is listed on my credit reports and to provide verifiable proof, documentation with my signature from the original creditor and if this information can not be verified correctly according to the FCRA I request these unverifiable accounts be deleted immediately.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please delete the accounts listed below : - Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX, XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX XXXX. Date of inquiry : XX/XX/XXXX. 
- Creditor Name : XXXX XXXX. Date of inquiry : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit freeze on my account on XXXX XXXX on XX/XX/XXXX I logged into my account online to temporarily lift the freeze for a few days to conduct business. I successfully logged into my account and filled out the request form completely, including the pin number issued at the time the freeze was initiated. The system replied that the information on the form was incorrect. I tried requesting a new temporary pin be issued. The system again said my information was incorrect. I tried calling the listed number for customer service only to receive Robo replies with option to address my issue and then the phone disconnect from my call. I had to research to find a phone number for an actual person. After finally making contact with a actual person, they confirmed I was entering all of my information correctly but their online system refused to identify me. We also discovered the pin number on their end did not match the pin number they issued to me for the freeze. I needed my credit account be accessed the next day, so my need was urgent. They were no able to determine why the online access was not granted to me. But they offered me solutions regarding mailing me another pin number but did not explain why the system would not recognize me. In order to expedite the mailing of the pin number to me they charge me a {$20.00} fee due to their errors. I requested they waive the fee because they system problem was on their end. They refused From my perspective and reasonable logic the fee should have been waive and the failure to do so amounts to extortion. 

I do understand the extreme measures they need to take in ensure privacy of all the data they collect on a individual and appreciate them doing so. However, when the problem is on their end, they should be charging the consumer to fix it.
Product: Debt collection

Midland Credit Management is collecting on behalf of XXXX. I had a conversation with someone in XXXX that informed me that all of their representatives are based in XXXX. I do not want someone in a foreign country having access to my information or my wife 's information. The account is in my wife 's name, they have called me about it numerous times. I have told them numerous times that I ONLY want U.S. based representatives contacting us or having access to that information. They have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights XXXX XXXX, XXXX XXXX XXXX  , XXXX , XXXX , XXXX XXXX, XXXX , XXXX