23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We saw a note on our mortgage account website that PHH Mortgage Services was raising our monthly mortgage payment by {$350.00} a month. We called to find out why and were told that it was a shortage in our escrow account for the upcoming year. However, the amount for our winter taxes and our annual Homeowner 's policy are incorrect. PHH is showing our Winter taxes as {$3400.00}. This is the amount from last year when we did not own the house and it was NOT homesteaded. This year 's actual tax bill is {$2000.00} as we are now homesteaded. This results in a difference of {$1400.00}. Our Homeowner 's amount from PHH is showing as {$3000.00} a year when in actuality our policy premium is {$1200.00} annually. Resulting in a difference of {$1700.00}. PHH did receive a copy of this fro our insurance agent when they received the mortgage and we have proper documentation to represent our numbers. The total amount of the errors is {$3100.00}. We have spent days and hours trying to call PHH and get customer service reps outside of the US. We have asked for managers and what they refer to as " Escalation Specialists '' have yet to call us as we were told they would. We would like to get this fixed as soon as possible but can not find anyone within their company to help us. Further confusing this issue is if we take a {$350.00} a month increase through next year, it results in a {$4200.00} increase in our escrow account when even if their numbers were correct, that is still over and above the {$3100.00}. Our loan originated with XXXX  here in Michigan but was sold a few days after closing to PHH.
Product: Mortgage

This notice is being sent to the attention of attorney XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, with regards to communication that was sent to her via email on behalf of Plaintiff XXXX XXXXXX/XX/XXXXin an attempt to settle a debt. 

I ' m waiting on a response on a request made several weeks ago via email ( date XXXX XXXX, 2021 ), to attorney XXXX XXXX, asking that she have her client consider my proposal to satisfy mortgage arrears by accepting an Assignment of Benefits ( AOB ) on a life insurance policy from both myself and my spouse. We wish to use AOB in any way possible to enable us to keep our home and to prevent foreclosure, which would include using it as a collateral assignment. 

My spouse and I have attempted to contact attorney XXXX XXXX for at least the past 2 weeks via email, as well as via phone. However, we did not receive any formal update as of late, which seemed a bit unusual, especially since communication had been more frequent prior to this. 

XXXX XXXX option XXXX MLT XXXX, Asset-backed certificates, series XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX ; XXXX XXXX XXXX, MD XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX, XXXX, Experian and XXXX reported bankruptcy on my credit report and file. The agencies listed above needs to remove the inaccuracies of reporting and its a violation of METRO 2 Compliance. I have uploaded the FTC report I have filed and documentation from the US Bankruptcy Court showing that they do not provide information to 3rd parties. I did NOT consent to anything being posted on my credit report or file.
Product: Money transfer, virtual currency, or money service

I was charged fees to transfer money from Cash App to another account and if I wanted it done instantly I was charged a fee. Prior to the original Owner of Cash App died, no fees we're associated with transferring money.
Product: Credit card

Beginning with the XXXX XXXX XXXX XXXX  statement, my purchases balance subject to interest rate has been going up monthly instead of going down as it should. I have not used my card and have been making above minimum payments the entire time. the amount it has increased is now at or about {$1000.00} it should have gone down by this amount from the XXXX XXXXXXXX XXXX statement balance of {$5200.00}. I contacted B.O.A for clarification on this matter ( How can a balance go up when it is being paid down? ) They responded with an unsigned ( form letter ) with no return contact information for the person that sent the letter. The only thing on it was a case number XXXX acct ending XXXX. I asked specific questions non of these were answered. What I got was a description of how interest is accrued. I already new this info. It states the purchase balance will continue to accrue interest until it is payed off. I knew this also. How can the balance be payed off when every time I make a payment the balance goes up instead of down. If the monthly amounts had been subtracted from the XXXX XXXX  balance of {$5200.00} for the total amount of {$1000.00} my current purchase balance subject to interest would be around {$4200.00} I am attaching statements and correspondence copies among other documentation.
Product: Credit card

Capital One is reporting in accurate and have deceptive practices causing me and my family severe financial hardships. Capital One sold the debt XXXX 2015. They no longer own the debt however in the past 3 months they have been removing the account from all three credit agencies XXXX, XXXX and XXXX then adding as a new account by changing the opened date from XXXX XXXX to XXXX XXXX. Doing this in XXXX every 2 days recently. And practicing this practice every month prior.
Product: Debt collection

XXXX car rental sent me a letter notifying that I had a truck rental that was not returned in XX/XX/2023. When I saw this notification I immediately outreached to XXXX to let them know that I had not rented a truck and had never been in their store, the manager acknowledged the concern. I had some other identity theft issues the same month so I filed for a police report while waiting for next steps from XXXX. A few weeks later I received a bill that noted that I had some outstanding fees upon return of the truck rental. Again I contacted XXXX and they noted that they would outreach to corporate to let them know. And again acknowledged my fraud case. Then in XXXX, I received another bill from XXXX, again I contacted XXXX where they acknowledged my fraud case and notes that they would send to corporate and not to worry. I sent an email to the employee with the police report and left it at that. Then end of XXXX I received a notice for collections, I outreached to the agency to tell them the issue and they noted that XXXX sent over 5 invoices that I owed, for the issue to stop I would need to outreach to XXXX again to let them know again so that the root cause would be fixed. So then I outreached to the last employee I spoke to and he noted I needed to outreach to the district manager and gave me a phone number. I tried calling the number and there was no voicemail or time that they would be available. Unsure of what to do next as Ive outreached to XXXX multiple times regarding a fraud and identity theft where they are acknowledging yet still are pursuing my collections and payment wrongfully.
Product: Credit reporting or other personal consumer reports

I made complaints before that the information on my consumer report is incorrect my name is XXXX XXXX XXXX aint no XXXX  I remmoved addresses that i no longer reside at and some how they still on my report it should only be 3 address on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 11.8K 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 and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORTING This PRIVATE I request that you verify the information and update the payment history account as " PAID, NEVER LATE '' immediately. After doing so please provide me with an updated reflecting the changes.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social Security XXXX, Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX opened XX/XX/XXXX under the account number XXXXXXXX XXXX  opened XXXX account number XXXX, XXXX XXXX XXXX opened XX/XX/XXXX account XXXX XXXX, XXXX XXXXXXXX XXXX  opened XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX account number XXXX XXXX XXXX collection opened XX/XX/XXXX account XXXX ) XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX account number XXXX These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or negative accounts listed above. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

There were many unauthorized inquiries on my reports as well as misspelled names. The following inquiries are just a few. 
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 All of the auto requests on my report from XXXX have been falsely applied for on my credit reports. There are many. 
There are also credit cards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX There have been many mispelling of my name. 
Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX There have been many incorrect addresses. 
Addresses : XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX correct my credit reports
Product: Student loan

To the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, We are writing as a collective group of defrauded students and alumni who attended XXXX schools, urging immediate action to approve outstanding Borrower Defense applications and provide full relief for those impacted. 

Many of us attended the following institutions owned by or affiliated with XXXX, where misrepresentations and predatory practices have been well-documented : The Department of Education has already found significant evidence of misconduct by these schools. Specifically, XXXX University misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the Department of Educations XXXX XXXX XXXX Summary and Statements of Facts. 

We are asking you to take immediate steps to : XXXX. Approve all outstanding XXXX XXXX applications for students who attended these institutions. 

XXXX. Discharge all loans associated with fraudulent practices, including consolidated loans. 

XXXX. Repair borrowers credit reports to reflect the removal of these fraudulent debts. 

Delaying action only prolongs the harm caused by these predatory institutions, leaving borrowers unable to move forward with their lives. Many of us pursued higher education to achieve the XXXX XXXX, but this dream was stolen by the very institutions we trusted to help us achieve it. 

We implore you to act decisively to ensure justice for all borrowers who were misled and exploited. The stakes are simply too high to risk further delays. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of inquiry : XX/XX/XXXX, IN XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After review of my XXXX credit report, the following hard inquires are not mine. I was a victim of identity theft and submitted an affidavit with the FTC. I had submitted a request affidavit report # : XXXX Please review the attached document and remove the incorrect hard inquires listed below, which I did not allow or request the action to pull my credit from the following institutions. 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
Product: Credit reporting or other personal consumer reports

For the past several years, i have been trying to get XXXX items removed from my credit report for XXXX XXXXXXXX XXXX  account # XXXX {$830.00} and {$940.00}. These are not mine and can not be verified they are. They have no record of my signatures or my identity. On XXXX  I opened another dispute, and nothing was concluded, and the items remained on my account and was told they have been deleted completely I still see them on my credit report. I am trying to purchase a home and can not due these inaccurate items on my credit. Experian doesn't answer my calls, or they disconnect. They refuse to provide me with the facts how they concluded the information is accurate.
Product: Debt collection

Credit Control , LLC is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. I have no contract with Credit Control , LLC, I have never heard of this Company, and they have no legal right to contact me about any unverified, unproven and untrue debt. Credit Control LLC is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. This Company needs to stop harassing me immediately.!
Product: Checking or savings account

I opened a CitiGold Checking account on on XXXX/XXXX/2022 pursuant to a promotion mailed to my name and address. The mailing promised a {$1500.00} bonus for depositing {$200000.00} and maintaining that balance for XXXX days. The bonus promotion allowed the {$200000.00} to be kept in a CitiGold Savings account, which I opened the same day, to ensure my funds would earn nominal interest. On XX/XX/2022, I deposited {$200000.00} into my CitiGold savings account, and have maintained that balance ever since ( well beyond the mandatory 60-day period ). On XXXX/XXXX/2022, Citi posted a {$1000.00} reward to my checking account. On XXXX/XXXX/2022, I contacted Citi to thank them for the {$1000.00} bonus, and to ask when the remaining {$500.00} would post. A representative named " XXXX '' said Citi would look into it, and contact me by email. I received no email. On XX/XX/2022, I contacted Citi again. A representative named " XXXX '' confirmed that I had satisfied the requirements for the {$1500.00} bonus. XXXX also said no investigation had previously been initiated into my inquiry for the remaining {$500.00}. XXXX opened an investigation into the matter, and gave me reference number XXXX. As of this XXXX writing, I've still received no answer, and the promised remaining {$500.00} has still not posted to my account. Attached to this complaint are my account details evidencing that I've maintained {$200000.00} for more than the 60 required days, and my correspondence with Citi.
Product: Mortgage

I applied for and received a mortgage forbearance under the Federal CARES Act with my prior lender XXXX. My mortgage is a XXXX XXXX backed mortgage. After granting the forbearance, XXXX immediately sold my loan to ARVEST Central Mortgage Company. ARVEST failed to recognize my forbearance and sent me repeated collection notices stating I was past due, despite the CARES act forbearance that was effective on my loan prior to ARVEST buying the loan. 

I notified ARVEST multiple times via phone and in writing about my forbearance granted by XXXX. I also requested of both XXXX  and ARVEST that the amount subject to forbearance be placed at the end of my loan as provided by XXXX XXXX guidance and the CARES Act. I completed paperwork for such deferment and submitted to XXXX in XX/XX/2020. Nevertheless, ARVEST continues to send me Mortgage statements and bills stating I am overdue, in default, and subject to foreclosure. Every time I call to speak with ARVEST, I get the run around or statements that conflict with the written collection notices and bills. 

I am trying to refinance my loan with XXXX XXXX, but they will not proceed while ARVEST states I am past due. 

Despite my repeated efforts, I am unable to get ARVEST to grant the deferment for which I qualify under federal law, nor will they correct my account. 

I am requesting assistance from the CFPB.
Product: Mortgage

The money ( XXXX $ ) I paid to mortgage company XXXX ( CalAtlantic ) disappeared during my mortgage transition to the other mortgage company ( XXXX XXXX ). 
The XXXX ( CalAtlantic mortgage company ) erased my two regular payments and extra XXXX from the payment balance and marked it as " MissaplicationReversal ''. I have not received those money back. 
The CalAtlantic refused to provide explanations.

I also asked investigation initiation by my bank ( XXXX ). 
I requested investigation by XXXX XXXX ( new mortgage company that bought my mortgage from CalAtlantic ). They have not been able to provide explanations for 1.5 month. 
I claim that my money have been stolen by CalAtlantic mortgage.
Product: Credit card

BANK OF AMERICA ; Account Number XXXX Date of Last Update Amount XX/XX/2024 {$550.00} Charge Off XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX A charge off account from Bank of America is reporting on my credit report. According to IRS publication XXXX : If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification. In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. A charge off is considered income by the IRS and income does not suppose to be reported on my credit report. I never received my copy of the 1099-C. Also, according to 15 USC 1681 I have the right to an accurate report across all reporting bureaus. This particular charge off account show inaccuracy with all three bureaus. The information directly impairs the efficiency and credibility of the information being reported by the credit bureau.
Product: Debt collection

To whom it may concern This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I have not received any response.

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 B1 2. Company has also no/ permission to report anything using my information pursuant to 15 USC1681 4.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 disputed inaccurate items with Transunion, 30 days later no resolution. XX/XX/22 disputed inaccurate items, 30 days later no resolution. XX/XX/22 disputed inaccurate items, 30 days later no resolution. XX/XX/22 disputed inaccurate items, 30 days no resolution.
Product: Student loan

Aidvantage my student loan service provider violated the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, and the Higher Education Act with a data breach and violation lead by XXXX XXXX and affiliated entities.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXXXXXX Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XXXX XXXX, 2017 Phoenix Financial Services placed an account for the amount of {$1800.00} on my credit report in violation of the Fair Credit Reporting Act. Phoenix Financial Services failed to notify me and provide adequate documantation to validate the debt is mine prior to placing it on my credit report. I have no knowledge of the account Phoenix Financial Services is  attempting to collect on. Furthermore, this dept appears to be of a medical nature. If this debt has derived from my medical history, it is in violation of HIPAA.
Product: Credit reporting or other personal consumer reports

Im disputing the process they use to put items on my credit report