23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The Customer Service for PHH Mortgage is exhausting and not helpful. Any time I communicate with them they mail me a document which takes 10 days, when I mail it back and it takes another 10 days. Nothing is ever able to be resolved on the phone or via email. 

From the very start, I wanted to recast my loan with the proceeds from selling my previous home. I finally got a hold of a human to talk through that process because the initial inquiry mailed me a response that made no sense and was not helpful. Fast forward to wiring them XXXX, they immediately applied the payment to my loan balance but were not able to tell me what the new payment would be until 10 days later. They presented the Principal and interest amounts but nobody at the bank could answer basic questions such as LTV ratios, interest payment amounts vs other calculations. I did research on my end of what I thought they payment should be and I am unable to reconcile anything and frankly do not trust the bank if they can not be transparent with me. I finally got frustrated enough that I would not receive any better information so I inquired with them again that I wanted to move forward but noticed that I still had PMI even after applying XXXX to my principal, this put me way below the thresholds to have PMI. The person I spoke to was immediately spooked and realized they may have misguided me in the process, so then they told me we could not recast the loan until we took care of the PMI and they could recalculate the Recast. 

I was very explicit in that phonecall that I did not want PMI getting in the way of recasting and saving close to XXXX of monthly interest. Fast forward to today and sure enough I made my XXXX mortgage payment and paid that extra interest. Still trying to sort through the PMI. 

I mailed the signed document for the XXXX appraisal and the major improvement form, of which there were none because I just moved into this house. I am removing PMI because I am applying XXXX to the principal, they are simply not listening to me when I talk with them. I received an email this week that my XXXX $ was applied to my account.. They took my Check for the XXXX appraisal and treated it as a payment and then they said I did not send in the forms for removing PMI. It was in the same envelope as the check!!! 

Here I am XX/XX/XXXX, still do not have PMI removed, and going to make another Mortgage payment without recasting the loan so they have my XXXX and I am paying the higher interest than what I should with the recast. 

I am exhausted just writing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 
XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

To Whom It May Concern : I would like to file a complaint against Citibank regarding credit card dispute & charge back for a floor sample reclining sofa I purchased on XX/XX/XXXX for {$2000.00}. 
Upon delivery of the sofa, we discovered it was missing a part ( Cables for reclining function ) so we refused the delivery and had the  furniture sent back to the merchant. The merchant refused to resolve the issue and would not provide a refund so I opened a dispute case with my credit card company, Citibank, on XX/XX/XXXX, where I was provided a temporary credit on my account. On XX/XX/XXXX, Citibank sent me a letter stating the case was closed in my favor and the temporary credit will now be permanent. Then in XX/XX/XXXX, 6 months after the case was closed, Citibank sent me another letter stating the dispute case was closed in error and since the merchant would not provide the refund, the charge would have to go back onto my account. 
I am now without the merchandise and without a refund this experience has been a complete nightmare with Citibank. 
Citibank is not willing to help any further. It really doesn't make any sense that Citibank reversed their final decision made 6 months ago and charge again {$2000.00} with no consent was very unprofessional - Citibank knows I do not have merchandise and the furniture store was closed due to COVID.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank Instituted a new review process for existing credit card holders and although my payment history was unblemished. The bank elected to close out my credit card without giving me the opportunity to pay the account off first ( they snail mailed a letter on XX/XX/XXXX, a Friday and closed the account on XXXX the XXXX, a Wednesday ). This resulted in the account being reported as " closed by credit grantor, with an outstanding balance '' which immediately lowered the joint account holder 's credit score by 50 points. While I understand that the bank has the right to revoke our relationship based upon information obtained from outside sources ( third party credit reporting agencies ). My contention is that the bank should have provided us with an opportunity to pay the account off and close it prior to reporting derogatory information to the bureaus.
Product: Credit reporting or other personal consumer reports

The presence of a derogatory rating on my account is deeply concerning. I am worried about its potential impact on my credit, as it has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Navy FCU credit card account that was opened in XXXX and closed in XXXX. It had a {$1000.00} limit was closed with a XXXX  balance. They are reporting current use in XXXX and 120 days late with several payments in XXXX and XXXX. This is all completely false information and they refused to adjust my credit report. In addition, it now shows a recent payment of {$250.00} with I have no knowledge of and a current balance of {$2100.00} when the limit was only {$1000.00} when I had the account. 

I want this false information removed immediately as it has dropped my credit score by 100 points and is stopping my from using any credit whatsoever. 

Again, I closed it in XXXX, it 2as never late with a perfect payment history and closed with a XXXX  balance. 

If someone is using this account they should be prosecuted for credit card fraud.
Product: Mortgage

On about XX/XX/XXXX I mailed my payment to Freedom Mortgage. Around the same time I had received a notice my loan was being transferred to XXXX XXXX but the payment had already been sent. On XX/XX/XXXX I noticed the check had not been cashed. I called Freedom and was told the check would be returned to me and that I needed to call XXXX XXXX  and make the XXXX payment there so I did. I then noticed on XX/XX/XXXX the check to freedom mtg had been cashed so I thought it would be transferred to XXXX XXXX  for the XXXX payment. I called rocket mtg and they said payment for XXXX was due. I went ahead and made the XXXX payment with rocket mtg and then called freedom to find out what they did with the funds. They say we did not receive a check from you. I said yes you did and you cashed it. It has the stamp and title of the person in accounting that cashed it. The person said oh we have no record but that person does work here. I asked to speak to a manager, we went around again with the same answer. He said he filed a report and someone would call me in a day or two. This was on XXXX. Today is XX/XX/XXXX. Nobody has called me. I just called them again and went over the same thing. I was told to file a dispute and fax in a copy of the check they cashed. I dont have a fax but will get to XXXX since they wont allow an email. They have had my check almost 60 days and should have returned it or cashed it and transferred the payment to the new servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask that my credit profile be updated with the removal of the XXXX XXXX account for the following reasons. 
1. the account is no longer an active account and has been closed since 2018
Product: Checking or savings account

This refers to complaint # XXXX. I received an email from cfpb stating that I had closed not one, not two but three checking accounts with capone360. I do not remember having three checking accounts with capone360.. would appreciate an explanation of why this/these accounts were closed,, by whom and when.. I only had one checking account with capone360 I DID NOT intend to close this/these accounts until my issue with capone360 was resolved. I have no idea why these accounts are closed.. my complaint had to do with money missing from my checking and savings with capone360. please review my earlier complaint.
Product: Credit reporting or other personal consumer reports

Experian Violates my rights and violates the utilization act violates : 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code 15 U.S. Code 1681a 15 U.S. Code 1681b 15 U.S. Code 1681c 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION Any and all consent to EXPERIAN, whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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
Product: Debt collection

Apartment complex. Active duty military lost pay XXXX. My wife and I had to find a home for our family that best fit our financial needs. We were, and still in a financial hardship. We gave them a thirty day notice, with completing paperwork they requested. We advised to them the situation with other issues with the complex, that were not being addressed. When we left the property we returned the keys. We had been given an estimate of what we would have to pay back because we were terminating our lease. It was n't even close to the amount of what is on me and my wife 's credit report. We were blind sided and never contacted except from a credit bureau with an amount not explained, just a number that we owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Peter Roberts & Associates - The information was correct. and now it is not. 
Orthopedics Bills are on my Report 3 times instead of once. 
It should be once time for {$1100.00} for XXXX XXXX like it was to start with. 
It is now listed 3 times for a total of {$4400.00}. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

They did not operate on me 3 times in one day. This was correct to start with, and now is so obviously wrong. I saw XXXX XXXX not XXXX orthopedics. This was originally correct as {$1100.00} for XXXX XXXX, and now it is wrong 3 times and I am being told this is all correct.
Product: Credit reporting or other personal consumer reports

I contacted Navient, XXXX, XXXX and XXXX starting XX/XX/XXXX numerous of times informing them that they are reporting late payments on my student loan during the time of federal loan student forbearance. The Department of Education suspended payments on my federal student loans from XX/XX/XXXX through XXXX. During this suspension period, my loan payments were not missed or late. They were simply deferred in accordance with the CARES AcXXXX and its subsequent extensions. However, my credit report incorrectly reflects late payments from XX/XX/XXXX through XX/XX/XXXX. 

Navient never responded. 

XXXX has responded 4 times saying they made no changes after investigation or they changed something which was not the inaccurate reporting. See attachments. 

XXXX and XXXX never responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX college is trying to charge me for tuition that i have paid off and are still reporting on my XXXX credit report. Also XXXX XXXX XXXX has been false reporting the same account 8 times on my file report i have disputed this with all my credit bureaus and they have been removed but XXXX is hurting my credit score with false reporting I have called to request all orginal contracts and they have not given me anything i also filed a complaint against them .. I need some one to help me because i work very hard to pay my bills on time and have good standing accounts for XXXX  to allow XXXX college and XXXX XXXX XXXX to do as they wish with my credit report
Product: Debt collection

I was contacted by somebody claiming to be from AFFIRM to collect a debt on a virtual card that I have already reported as fraud. AFFIRM is not acknowledging that this is fraud and I dont know if the debt collector is real or another scam.
Product: Consumer Loan

Auto loan with Suntrust Bank. Original Loan amount was reduced because I cancelled a car service package, but the bank never sent information about how the payments will be modified. Paid on time every month for 50 months, more than the originally settled monthly payment. However, the bank never sent me a statement or account balance info. Automatic payments stopped by mistake after XXXX. Bank never contacted me, but reported late payments to credit bureau. Learned about that about 2 months later by checking credit report. Called bank to verify what 's going on and get the account balance. Bank claims they tried to contact me, but they do not have updated address ( strange because I requested address change to US postal service and I also keep on receiving checking account and loan offers from this bank ( I have copies of them ). They claim they tried to call me but they had a wrong phone number in file ( strange because it has not been changed and all info/negotiation was mediated by the car dealer and they have it all fine ). Bank claims they do not send emails for security reasons ( LOL ). I already paid full debt, but the bank claims late payments shall remain reflected in my credit report because it was my fault/neglect to contact them and keep track of what I owed ( 2months ). How can I know what I owe if the bank never send statements and refuses to do so? It is extremely difficult for a layout person to figure out an amortization table/balance after applying all those changes to the account. I had a pristine credit history before this issue ( above XXXX ), all debts paid full or before time, even during the incident with this bank. I am also currently leasing another car. Clearly the issue was because of lack of communication, not because of financial problems or neglect. I already finished paying whole balance, -6 months before due time. If all they wanted was charging late fees and other stuff they can keep it. It is unfair, but I do not mind. I just want them to remove the negative & false information they posted on my credit because it has nothing to do with my personality or my financial responsibility. They are the ones who hide account balances, I am not the one who play dirty games.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) rendered services for a procedure I had in XX/XX/2023, I spoke with a representative and told them I had insurance at the time through XXXX XXXX and advised them to bill for these services. Next thing I know, I'm receiving a collections notice from First Point Collection Resources indicating the full amount owed as though the insurance was never billed as they were to have initiated. This is causing undue stress as this debt should have been billed and covered by my insurance and will now possibly negatively affect my credit because of XXXX XXXX XXXX XXXX XXXX  incompetence for billing appropriately.
Product: Credit reporting or other personal consumer reports

XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act. The List of accounts above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITYCB/XXXX Miscellaneous Department and XXXX XXXX XX/XX/2022 XXXX On XX/XX/2022 Comenity Bank XXXX XXXX Credit Card made an UNAUTHORIZED and UNLAWFUL hard inquiry into my XXXX Credit File. 

My Comenity Bank / XXXX Credit Card was defaulted years ago and was previously sold by Comenity Bank to a 3rd Party Debt Collector. Now, as a result of the sale Comenity Bank does NOT have a permissible purpose for making a hard inquiry into my XXXX Credit File. This hard inquiry into my XXXX Credit File is harassment, ILLEGAL, and is apparently intended by Comenity Bank to lower my credit score and to cause a hardship for me when I am attempting to obtain credit, housing or employment. 

Comenity Bank must REMOVE the inquiry dated XX/XX/2022 from my XXXX Credit file as it did NOT have a permissible purpose to inquire about a previously defaulted debt which it had previously SOLD to a 3rd Party Collection Agency. This debt no longer belongs to Comenity Bank, and the inquiry must be removed immediately or I will be forced to file a lawsuit. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting the deletion of an inaccurate and duplicate account on my consumer credit report. After reviewing my credit report, I am NOT responsible for this duplicate and inaccurate account.

15 U.S. Code and 1681c-2, a consumer reporting agency shall block the reporting of any information in the consumer 's file that the consumer identifies as information that resulted from an alleged identity theft not later than four business days after the date of receipt. It has been 30 days, and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) by the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer.

15 U.S.C. 1681s-2 ( a ) ( 1 ) states 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.

15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report and no other By the written instructions of the consumer to whom it relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section which 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 USC 1681 s-2 ( a ) ( 3 ) clearly states If the com
pleteness or accuracy of any information furnished by anypersonto anyconsumer reporting agencyis disputed to suchpersonby aconsumer, thepersonmay not furnish the information to anyconsumer reporting agencywithout notice that such information is disputed by theconsumer.

NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the duplicate account listed IMMEDIATELY!

I demand you cease under federal laws 15 U.S.C 1692c ( c ), and you are in violation if you continue to report this inaccurate information. 

I request your company to provide verifiable documentary proof ( original consumer contract or similar proof bearing my wet ink signature on it ) that you have on file of this account listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove the unverified, invalid, and derogatory account from my consumer report. 

The consumer report that was prepared under my social security number is reporting inaccurate information, which is a violation of The Fair Credit Reporting Act.

Ive listed the following duplicate inaccurate information below from my Consumer Report that needs to be removed.
Product: Mortgage

My mortgage was with XXXX mortgage and I was working on a modification and just before a decision was made the loan was sold to XXXX ( loan is serviced by SN Servicing ). While the loan was still with XXXX, I hired a company by the name of XXXX XXXX ( owner XXXX XXXX ). They told me to not make my mortgage payment and they will secure my modification. After I received foreclosure correspondence from XXXX. After receiving the notice from XXXX I found out that XXXX XXXX was a scam. That forced me to have to file a chapter XXXX in order to keep my home. They claim that I owed them over XXXX in arrears which does not include another XXXX in escrow shortage and behind payments. I did not have any records to dispute it so I am now paying {$1600.00} in my BK which goes to them. My mortgage is {$2700.00} a month which does not include the {$1600.00}. I have tried for several years to get a modification with these investors but they basiccally told me to keep doing what I am doing and if I cant pay I will be foreclosed on. I even suggested that they can take my payment up some so I do n't have to pay so much monthly, but they said no they do not care. Even the servicing company tried, but they are still saying no to anything that would help me. It is like they want me to give up my home so they can sell it.