23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I, XXXX XXXX, entered a payment forbearance during the Covid pandemic in XX/XX/XXXX through XX/XX/XXXX. Around early XXXX, I applied for a modification with PHH Mortgage, ( my lender ). They approved me for a trial payment plan in XX/XX/XXXX and I successfully made all of my trial payments plus continued making my payments until they finally issued a final modification plan to me in XX/XX/XXXX. I signed and returned the final modification agreement by PHH 's deadline in XX/XX/XXXX, ( despite not receiving the documents by mail from PHH, I had to call and request PHH email them to me ). Within weeks of PHH 's confirmation of receipt of my final fully executed modification, I contacted PHH to see when my online account access would be reinstated. During that call, I found out PHH had to reject the modification because PHH had completed the paperwork incorrectly. PHH needed to redo my modification paperwork and I had to wait for it, all while making monthly trial plan payments. I called PHH repeatedly over the course of XXXX XXXX looking for my redone modification paperwork. Finally in XX/XX/XXXX, a representative informed me the documents had been mailed out to me and had a fast approaching deadline. I had not received the paperwork and again requested they email the documents to me. I promptly had the documents notarized and overnighted to PHH to make their assigned deadline. I called the next day and confirmed receipt of my documents by the deadline and had my proof of mail receipt from the USPS. I called PHH the next week to find out when my online account access would be reinstated and was informed that my modification had been denied because the notary did not complete her section according to PHH rules. Since we were now past PHH 's deadline, my modification was denied and I would have to start all over again. I requested a supervisor call me and set an appointment. Instead of keeping the appointment, a supervisor called on a random day and time and I was unable to answer. I called PHH myself and was able to request an UW to reconsider the denial because it was for no fault of my own and PHH confirmed that no letter or communication had been sent to me to inform me of these issues ever. On XX/XX/XXXX, I received a call from a random representative, ( not my assigned relationship manager  because he is unavailable until XX/XX/XXXX!!! ) and was informed my request for reconsideration had been denied as well as my modification. I am outraged! PHH has failed to communicate with me as they should. I know about these issues because I call in regularly. I am unable to meet with my assigned relationship manager and am facing losing my home for no fault of my own. PHH must honor the modification. It is my understanding that the modification is a federal mandate since my loan is Fannie insured. I have jumped through all of their hoops and am at a loss. Please help me.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list os accounts below has violated my feral protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX 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 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 ) ( 1 ) 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. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX. 
Violated my Rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon on XX/XX/2023 Equifax dropped by score by XXXX points. I have been questioned numerous times and filed a complaint. still, nobody is able to give a reason why my credit dropped XXXX points. 

Hope you can help me with this issue. 
XXXX XXXX
Product: Vehicle loan or lease

Using as reference the complaint XXXX supplied on XX/XX/XXXX where it was referred to the REGULATOR FTC, I wish to point out the following because I understand that there were a series of hidden events in this transaction between the XXXX, XXXX XXXX XXXX XXXX and possible employees who made this fraudulent request thinking that perhaps because I was a co-signer, they could offer or sell a vehicle to a person who was requesting it but needed a co-signer. 

I wish to point out that the letter received does not specify anywhere that this server has authorized to be a co-signer of any. It does not appear or calls made and I do not know the names of the people who are in this type of transaction because I consider it a fraud or theft-sign that they have made in an office that I do not know where it is. 

I am greatly concerned about this situation that has affected me even emotionally because I am a person who has been classified medically and with evidence that I suffer from major XXXX and emotional events beyond my control. I understand that I have not made any type of transaction requesting any vehicle in addiction I can not be a co-debtor and authorize them to investigate my credit because I am clear that I would not qualify, but the event only interested and I called different vehicle dealers but at no time and so on I specify it, they will use the Banco Popular de Puerto Rico for financing and it was mentioned to the person that in any case I would use a Cooperative if I so desired. But this never authorized it. The person did it by " motus proprio ''. 

I consider that this was an unfair practice to me and contributes to the mistrust of these financial entities. I hope that the FEDERAL TRADE COMMISSION takes action on the matter. 

I hope and point out the points that the FTC must evaluate in this situation. 


XXXX FTC 's XXXX of XXXX XXXX XXXX XXXX, deceptive and fraudulent business practices by collecting reports from consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating consumers and businesses about their rights ... 

XXXX. Established by the Federal Trade Commission XXXX XXXX XXXX XXXX, the Federal Trade Commission XXXX FTC XXXX regulates advertising, marketing, and consumer credit practices and also prevents antitrust agreements and other unfair practices. 
XXXX. Criminal prosecutions are typically limited to intentional and clear violations such as when competitors fix prices or rig bids. The XXXX XXXX imposes criminal penalties of up to {$100.00} XXXX for a corporation and {$1.00} XXXX for an individual, along with up to 10 years in prison.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried numerous times to have XXXX dba XXXX XXXX mortgage company update my credit report in a timely fashion. I've had to contact them every 3 months to get them to report it on time. Its still showing the last payment as XX/XX/17. I need the XXXX and XXXX payment updated. Last payment {$1400.00}.
Product: Mortgage

On XX/XX/2021 I change homeowners insurance my new rate was way less. The insurance company along with my self on XX/XX/XXXX notified my mortgage company. They responded with they paid my old homeowner policy already. I ask why because I was still in the right time frame to renew or change. There response was they always pay 3 weeks in advance ( News to Me ) So anyway I ask them to adjust my mortgage and they gave me a run around that I actually followed by calling the suggested departments. Once in the right department ( Financial ) I was told they informed me that I'd have to wait a few days. It is now XX/XX/XXXX and still no adjustment.
Product: Mortgage

I seek your assistance with ongoing discrepancies in my escrow account managed by Aimloan. Over the past several years, I have conducted detailed reconciliations of my escrow account, comparing the amounts I paid against the banks reported tax, insurance, and PMI disbursements. These reconciliations have consistently revealed significant mismatches that the bank has not addressed satisfactorily despite my repeated inquiries and submissions of detailed evidence. 

Since XXXX, I have noticed irregularities in my escrow account statements provided by Aimloan. My reconciliations indicate an overpayment totaling approximately {$20000.00} over this period. Specifically, the funds I paid into the escrow and the subsequent distributions for property taxes and insurance premiums do not align, leading to substantial financial discrepancies that remain unjustified. 

- *Primary Company* : Aimloan.com - *Department Contacted* : Mortgage Services Department - *Individuals Involved* XXXX XXXX XXXX, XXXX XXXX American Internet Mortgage XXXX XXXX, XXXX - XXXX XXXX, XXXX  XXXX American Internet Mortgage XXXX XXXX, XXXX XXXX XXXX Annual reconciliations showing discrepancies each year. 
Discrepancy Amount : Approximately {$20000.00} in overpayments. 
Communications : Multiple document submissions and correspondence from XXXX to XXXX, seeking clarification and adjustments. 

Despite providing detailed breakdowns and seeking explanations, the responses from Aimloan have not resolved the discrepancies. The explanations provided do not account for the differences between the amounts I have paid and how those amounts have been applied by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00} and XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.
Product: Credit reporting or other personal consumer reports

( See attachments and supporting documents ) XXXX, XXXX, TransUnion shows bankruptcy filed in my name on my credit report, has NOT produced any evidence of documentation that has my signature, showing I filed for a bankruptcy at anytime. This is false and must be deleted immediately from my credit report. Showing 2 filings. There is no documentation and I did NOT file ANY bankruptcy filing. 
Please send me supporting documentation that has my SIGNATURE where I signed these documents OR DELETED, REMOVE and UPDATE my credit report you keep in my name and forward a copy of the UPDATED REPORT to my address you have on file
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to XX/XX/XXXX to be removed. 

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

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


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

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

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

Delete the late payments from my consumer reports
Product: Mortgage

Re : mortgage with loan no. XXXX for the original mortgage that had been serviced by Shellpoint Mortgage that was refinanced and funded on XXXX. XXXX, the title company, told me that it sent via Fed Funds wire the payoff to Shellpoint Mortgage on XXXX with the wire reference number : XXXX. On XXXX I spoke to XXXX XXXX in customer service at Shellpoint. She told me that my account shows a payoff on XXXX and has no other information about when the payoff was received by Shellpoint and what date Shellpoint uses to record receipt of the payoff. XXXX said she would have data on the payoff emailed to me. On XXXX I received an email from XXXX XXXX of Shellpoint that showed the same thing that XXXX told me - the recorded date of the payoff was XXXX. I replied to Ms. XXXX with the fed funds reference number that the payoff was made on XXXX. On XXXX, Ms. XXXX replied ( attached ) that she can't respond to an email, and that I should contact customer service. But I had already contacted XXXX XXXX in Shellpoint customer service on XXXX and couldn't get any clarifying information. Since Shellpoint had the payoff on XXXX per the Fed Funds wire, but recorded its receipt on XXXX, I'm being charged one extra day of interest, which is {$62.00}, and I would like Shellpoint to send me a check for {$62.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am past due on the Dept of Education/XXXX partial account number XXXX. ( Please see page 2  of the attached credit report. ) This account report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This account is currently coded an I5. This incorrect reporting is harming my credit score.  Keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

I sent a letter to Merchants Adjustment Service to validate an account they are reporting on my credit report with XXXX XXXX XXXX XXXX. The certified mail letter was received by Merchants Adjustment Service on XXXX via USPS tracking number XXXX. I have not received appropriate validation documents such as the assignment agreement between the original creditor and Merchants Adjustment Service, the original contract from the original creditor that the collection agency should have on file, a record of the payment history, etc, which I requested in the letter. The information being reported on my credit report is incorrect. The company failed to validate this debt and the account is still reporting on my credit report and reporting incorrectly.
Product: Checking or savings account

After XXXX XXXX  took XXXX dollars from my account, I paid them in cash instead and requested my refund but my bank has yet to give me my money back
Product: Debt collection

Good morning ; I have noticed identity theft someone with my same name used my information to a company I never herd of and they have posted it in my credit report. I contact the credit Berau XXXX and they after I sent a register letter letting them know that by law they were not supposed to put items that are not mine on my credit report and they have it there causing me to hurt my credit report and having negative item in there. I spoke to XXXX supervisor and they dispute it for me but I want XXXX and XXXX XXXX XXXX XXXX XXXX that a company can damage my credit report and report soemething is not mine. I need help I have the proof that I have sent a letter to them asking them to provide me a signature or something that was done by me and they never sent me but they receive the letter I sent and they said they do not need to follow the federal law and they will investigate and not erase soemthing is not mine and I have called them and ask them to removed because is not mine and is putten in there. I am scare that they will keep putten more things please need help
Product: Vehicle loan or lease

The car os on my credit as an open loan from 2018
Product: Debt collection

I am a XXXX year old widow of a military veteran in XXXX, FL. A company called Accelerated Receivables Management, XXXX XXXX XXXX, http : //www.cuttingedgecollections.com/ has been calling and leaving threatening messages on my answering machine. They want the attorney for my deceased husband, XXXX XXXX, to contact them. When my daughter called them from her place of business to find out the reason for their call, they told her that XXXX XXXX XXXX is suing my deceased husband, XXXX XXXX for an unpaid debt in XX/XX/XXXX. She tried to explain that my husband died XX/XX/XXXX and we do not use XXXX XXXX XXXX - they must have the wrong information. The agent for Accelerated Receivables Management, XXXX XXXX, threatened my daughter by telling her he was going to serve her papers at her place of work and take her to court. My daughter reported them to the XXXX, State Attorney 's office and sent an e-mail asking for a Validation Notice because we do n't even know how much they are trying to collect. Is n't there something wrong with harassing me and my daughter for a debt we do not owe - especially with nothing in writing from them regarding the amount, date of service, etc.? They should be stopped from exerting such high pressure tactics to try and scare me and my daughter into paying a debt we never heard of.
Product: Student loan

THIS HAS HAPPENED TWICE BEFORE!!!!! 

Monday XX/XX/2020 I called Fedloan Servicing at XXXX with a very simple question. After waiting 7 minutes I was answered by XXXX, employee ID # XXXX. She couldn't help me with question and transfered me to loan adviser. The hold time was expected to be 20 minutes. I was on hold for 1 hour 13 minutes 53 seconds. No one answered phone in that time and my line was DISCONNECTED! I called again, waited 15 more minutes and was answered by XXXX, employee ID # XXXX. I told her what happened and requested to speak with a supervisor. I waited for another 10 minutes just to be told there is a long wait time to speak with supervisor because SO MANY OTHER PEOPLE HAVE COMPLAINTS AS WELL!

As stated above, this is not the first time I have had the hardest time trying to speak with a loan advisor or supervisor. I submitted 2 INCOME DRIVEN REPAYMENT PLANS last year that WERE NEVER PROCESSED and I was placed back on forebearance which dramatically INCREASED INTREST RATES!!!! I now have nearly {$2000.00} in intrest alone! It is IMPOSSIBLE TO GET MYSELF OUT OF DEBT WITH THE BEST INTENTIONS AND WILLINGNESS TO DO SO. This company is a shame!
Product: Debt collection

This is complicated. My daughter is XXXX years old and going to college. I am XXXX and XXXX. I am the non-custodial parent living in XXXX. The law states that the non-custodial parent ONLY is required to continue to pay XXXX XXXX as long as the child is in college  until she reaches XXXX years old OR UNLESS SHE FAILS TO REPORT HER PROGRESS TO ME, HOURS, GRADES ETC ... so I am paying {$3000.00} a year to support her and believe me I have contacted local, state and federal offices and nothing matters. I am nobody. I only know of where she may be in college at. Ive never got a report from her or the college, no grades, no nothing. I want my money back and for future funds, {$250.00} a month to quit being taken form me. I am doing without eating at times and have no idea if shes even still going to school. Cant tell you where she lives, nothing. She dont call, write or come see me. I have tried all the other avenues. I am a XXXX XXXX   too and I know the ropes but not well enough I guess.