23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was sold/transferred to PHH Mortgage from Ocwen. I had just been approved for a repayment plan from Ocwen on XX/XX/XXXX and made a {$1200.00} down payment to begin the plan. I made my first payment of, {$1300.00} in XX/XX/XXXX and then my loan was transferred to PHH Mortgage. My loan was sold and without my knowledge my approved payment plan from my previous mortgage company Ocwen was cancelled. When I attempted to make payments online with PHH, it never showed any payments I made this year ( XXXX ) totaling over {$2500.00} to my previous mortgage company. The PHH online system also never listed my approved repayment plan that began XX/XX/XXXX, with a monthly payment of {$1300.00}. This payment plan wasnt scheduled to be completed until XX/XX/XXXX. On XX/XX/XXXX, I applied for mortgage assistance with my current mortgage company PHH, I received a letter from PHH stating my application was not complete and I had until XX/XX/XXXX to submit the missing documents needed to complete my application. I found out today online via XXXX that my house is scheduled for foreclosure auction on XX/XX/XXXX. I have not received anything from the lender PHH or their attorney regarding a foreclosure sale. This was done while a request for mortgage assistance application was open. I looked today online at the activity on my account with PHH and found out my mortgage assistance application was closed by PHH employee XXXX XXXX on XX/XX/XXXX. I never asked for my mortgage assistance application to be closed especially since I had until XX/XX/XXXX to complete it. I never received a denial for mortgage assistance from PHH. What PHH Mortgage is doing to me is Not legal and Im requesting the foreclosure sale being stopped and/or cancelled immediately. I have attached documents as proof to support everything that I have listed on my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Prosper Funding LLC regarding their repeated failure to provide me with the necessary Form 1099-C for tax purposes. I have made several attempts to obtain this form, and their lack of responsiveness and failure to fulfill their obligation has caused me significant frustration and concern. 

Account Information : Account Holder Name : XXXX XXXX Account Number : XXXX Charged-Off Amount : {$25000.00} Date of Charge-Off : XX/XX/ I trust that the Consumer Financial Protection Bureau will address this matteXXXX promptly and ensure that my rights as a consumer are upheld. I am prepared to cooperate fully with any further inquiries or actions that may be required to resolve this issue. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has refused to remove a deletion or derogatory information requested from a creditor on my behalf. This issue is with an account related to XXXX  XXXX. I contacted XXXX  XXXX and they explained to me that this item was sent for deletion earlier this year back in XXXX. They collection agency also explained to me that it was reported to all three credit bureaus. Transunion denies ever receiving a notice of deletion from XXXX. I went and check my report with the other two credit bureaus and this account was deleted from the others. I requested a letter from XXXX  XXXX to send Transunion and this letter has been faxed to Transunion on XX/XX/2018.
Product: Credit card or prepaid card

XXXX XXXX charged my credit card for XXXX. 
Discovery send code to verify purchase to my old phone number which I change XX/XX/2019. 
I sent Discovery Fraud my XXXX phone records to show them They response after their in gestation my phone my number and said if I get more proof send it to them. 
HOW MUCH MORE PROOF DO YOU NEED.Phone records are good enough Police case number District Attonery XX/XX/XXXXFTC case number
Product: Debt collection

I received an email from my employer on XX/XX/XXXX with a summons for garnishment that was filed by Lazega & Johanson LLC, a debt collector. The summons mentioned a defendant who has the same name as me but living in Georgia at XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The summons had however last four digits of my SSN. The summons also mentions a co-defendant who I do not know. 

I have never lived at this address nor have I ever owned this or any other property in Georgia. Since XX/XX/XXXX, I have lived and worked in New Jersey. 

The summons has a total garnishment claim of {$5100.00} made on the behalf of the plaintiff, XXXX XXXX XXXX XXXX XXXX whom I have no dealing with nor owe any monies too. 

I informed both, my employer and Lazega and Johanson LLC that I am not the defendant and my SSN is fraudulently used in the summons. 

I have provided a copy of summons and my affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan with XXXX, it was for 3 years. I paid regularly and paid the loan off 2 years earlier at the end of XXXX. They reported in XXXX as required by law to all 3 bureaus, so I missed the cut off. So XX/XX/XXXX comes around and it's still not reported to the credit bureaus. At that time, I submitted a dispute to all 3 credit bureas after the land was paid off. All three came back, saying that the loan amount listed was valid. I've now called XXXX 6 times, speaking to a supervisor three times. On my last interaction, he could said that they didn't report it as required by law on XX/XX/XXXX. So as of XX/XX/XXXX, nothing was reported to any of my credit bureas. Bascially, no explanation why. I've reached out to my attorney regarding this and I have rights as a consumer and they have broken the law. The reason I was trying to get this resolved was I was applying for a mortgage and this still showed up on my credit report. I was denied the mortgage after of weeks of trying to get this resolved. Now, I want to sue for fraud, breaking the law, and damages.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX went to XXXX XXXX  to apply for a credit card I use my passport and my social security card as the XXXX forms of identification the banker told me I will receive something in the mail in correspondence to receiving the credit card. On XX/XX/XXXX I received a statement in the mail regarding the credit card from XXXX XXXX. The name on the statement says XXXX XXXX XXXX which is a indication to me that Experian and XXXX XXXXs are providing false and misleading information about my identity that not on my passport and social security card which I can provide proof of my claim. XXXX XXXX was the banker that assisted me with my application he can also verify the fact that I provided to him my passport and social security card. He is the assistant vice president Private client bankers. XXXX XXXX  was given this information provided to them by Experian address XXXX XXXX XXXX XXXX Texas XXXX. I had sent Experian a copy of my biling statement which is my water bill that has my name and address on it XXXX XXXX XXXX also a copy of my social security card and experience still insist on providing false and misleading information on my consumer report, which would be the name XXXX XXXX XXXX this name is not on my passport or social security card. This complaint is to address the fact that there are XXXX names being used by the credit bureaus that's causing hardship. I am not XXXX people using XXXX social security number this is causing me hardship. My social security number is XXXX The name XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : not my social security numbers XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Multifamily XXXX XXXX XXXXY XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident type Apartment complex XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX A XXXX, TX XXXX Resident type Apartment complex FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$800.00} Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$750.00} Status Collection account. {$750.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Account charged off. {$6.00} FCRA violations : payments never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$700.00} Status Open. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$280.00} Status Open.
Product: Money transfer, virtual currency, or money service

XXXX XXXX I received a call about fraudulent activity on my checking account at which it was discovered that XXXX had been wired out of our savings account. They were suppose to report that and close the accounts which he did not. I got an email about another attempt to wire another XXXX out of our account. I called customer service to repot that and stop it and they put a block on our accounts and reported the fraud again. We went to our local branch to open new accts. We were had issues and I called customer service and they said our original accounts had not been closed so we had to go back close everything again and open new accounts again. 
At this time we have heard nothing about our wire fraud. Hence today XX/XX/XXXX we find out by calling customer service that they denied our claim on XX/XX/XXXX. We have heard nothing from the bank or the wire fraud department at all about why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an updated Credit Report after changes were made to my report, Its been over 60 days and I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting the account with XXXX inaccurately on my credit report. Upon reviewing my credit report, I did not recognize this account. I initially sent a request for TransUnion to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After four different attempts, they have failed to provide me proof of this account. I have disputed this information four times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information TransUnion is reporting does not match the information being reported by the other credit agencies. They still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Product: Vehicle loan or lease

I pay all my payments but now they are paying me ghostly charges that I do not know what that {$260.00} colleague is and they say that if I do not pay them they will send me to collection and I do not know what to do because I paid too much for the ( Breach ) of 2017 of XXXX
Product: Mortgage

Dear Consumer Financial Protection Bureau My XXXX XXXX XXXX mother and is being held in debt by my U.S. Bank Home Mortgage We'd like to keep our home. They keep talking about having my Brother XXXX XXXX XXXX the Mortage Assistance Application despite moving out of the XXXX XXXX XXXX 5 years ago. We want to keep our home but cut ties with U.S. Bank Home Mortgage is very stressful and destroys our Credit and Names by keeping us in debt and refusing to let just my mother and I sign the loan application. Is it possible for the Consumer Financial Protection Bureau to assist my mother and me in resolving this problem so we can still live in our home?
Product: Credit reporting or other personal consumer reports

OXXXX XXXX XXXX XXXX XXXX XXXX XXXX  was returned to XXXX XXXX XXXX in XXXX XXXX voluntary repo. The amount of car I am disputing because that was the initial amount of car. The car repo is still appearing on my XXXX XXXX and XXXX account wrongfully the following laws 15 usc 1681 section 602 8 states the right to privacy 15 usc 1681 section 604 a section 2. States a consumer reporting agency can not furnish your account without my written instructions
Product: Checking or savings account

I use the Wells Fargo Bill Pay service to pay the rent for my apartment. The money is withdrawn from my checking account before the paper check is mailed to my landlord. 

Wells Fargo issued a stop payment on my XX/XX/2022 rent check without my authorization. 

Wells Fargo notified me of their stop payment decision via email on XX/XX/2022. I reached out to Wells Fargo via telephone about this issue on XX/XX/XXXX. On XX/XX/XXXX XXXX Wells Fargo employees ( XXXX, XXXX, and XXXX XXXX verbally stated that per my request, the stop payment had been rescinded. Despite these assurances, my landlords money was returned to my checking account on XX/XX/2022.
Product: Debt collection

I am writing to file a formal complaint against Americollect , Inc. regarding their handling of the debt associated with account number XXXX, which they reported to the credit bureaus without providing proper debt verification, as requested. 
On XX/XX/ I sent a written request to Americollect, Inc. requesting verification of the debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite my request, I have not received any response or the requested verification letter. This failure to comply with my legal request raises serious concerns about the validity of the debt in question. 
Moreover, I want to highlight that I made a payment of the total outstanding amount of {$1300.00} to the original creditor, XXXX XXXX XXXX of XXXX XXXX, via check # XXXX on XX/XX/. However, this payment was made without assuming any responsibility for the debt, as I had not received the requested verification from Americollect , Inc . 
Furthermore, I am deeply troubled by the fact that Americollect , Inc. has reported an amount of {$1200.00} to the credit bureaus, despite the original billed amount being {$1300.00}. This discrepancy raises doubts about the accuracy and legitimacy of the reported information. 
I am formally requesting the following actions : 1. Immediate removal of the collection account # XXXX from my credit report. 
2. Confirmation of the removal sent to my address or email as proof of compliance.

3. Proper adherence to the FDCPA regulations by Americollect , Inc. by providing the requested debt verification. 
I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Americollect , Inc. for their failure to comply with the FDCPA regulations and their inaccurate reporting to the credit bureaus. 
I appreciate your attention to this matter and request a swift resolution to rectify this erroneous reporting on my credit file. 

Thank you for your assistance in this matter.
Product: Debt collection

In XX/XX/XXXX, I received a notice from FIRST FEDERAL CREDIT CONTROL XXXX concerning XXXX debts ( {$15.00}, {$15.00} and {$10.00} ), which represent copays that i had already paid to my Dr 's office in XXXX. My primary care physician retired in XX/XX/XXXX, and the practice was sold. Because the amounts were small, I paid them on XXXX XXXX. In XX/XX/XXXX, I tried to apply for a loan, and these charges still appear on my XXXX credit report. I contact FIRST FEDERAL and they sent the attached letters confirming that the debts were paid As of XXXX XXXX, these amounts were AGAIN reported on my XXXX credit report. I can not get them to DELETE them and to STOP reporting this already-paid debt to XXXX
Product: Debt collection

On XXXX XXXX at XXXX XXXX was paid to Essex Mortgage whose located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The money was withdrawn on XXXX XXXX by Essex mortgage. we spoke to XXXX who is representative of Essex in XXXX Fl and she stated the money was deposited but it was withdrawn after being deposited which confused her. Even after submitting proof from XXXX XXXX XXXX Essex Mortgage still claims we owe that money, but can't explain why no one can find the {$8200.00} that was paid. Our mortgage is {$2100.00} on XX/XX/XXXX they took out XXXX which is an extra {$450.00} that was taken out i spoke with XXXX on XX/XX/2021 in regards as to why the extra was taken out she could not give me a reason, she asked did I want the money sent back to me or have it go towards my next mortgage I told her put it towards my next mortgage which means instead of {$2100.00} being taken out they would only have to take {$1600.00} since they already had XXXX extra I spoke to XXXX in customer service in regards to receiving a confirmation email on the transaction I have not received anything. They are taking out extra money putting our account in the negative and refusing to reimburse the money or find where the {$8200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of the inquiries listed below please remove immediately XXXX XXXX Co Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX 
XXXX Inquiry from XXXX XXXX XXXX + Bankcard XXXX 's XXXX Inquiry from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX  XXXX XXXX Inquiry from XXXX XXXX XXXX + Mail Order XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX Bank XXXX Inquiry from XXXX XXXX XXXX + All Banks XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXXl XXXX, XXXX. 
Inquiry from XXXX XXXX XXXX + All Banks XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Credit Unions XXXX Inquiry from XXXX XXXX XXXX + Specialty - XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Complete Dept. Stores XXXX Inquiry from XXXX XXXX XXXX + Specialty - XXXX XXXX XXXX 
XXXX 's XXXX Inquiry from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Auto XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + Auto XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, New XXXX 's XXXX XXXX from XXXX XXXX XXXX + Miscellaneous XXXX XXXX XXXX from XXXX XXXX XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XXXX XXXX XXXX +
Product: Debt collection

On behalf of XXXX, Waypoint posted a collection on my credit report, for a debt I was never notified about, for an account that has been closed over a year. Neither XXXX nor Waypoint would agree to remove it from my credit report, even after it had been paid and would cost them nothing. I have also reported XXXX to the XXXX XXXX XXXX over this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a letter from XXXX XXXX Notice XXXX XXXX XXXX informing me my personal information has been compromised. The following information, bank accounts and hard inquiries currently listed and showing on my Early Warning Consumer Report ID : XXXX is fraudulent and the result of the XXXX XXXX XXXX XXXX and identity theft : XXXX XXXX XXXX XXXX, Bank Routing : XXXX, Account : XXXX, XXXX XXXX XXXX XXXX XXXX, Bank Routing Number : XXXX, Account : XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Routing Number : XXXX, Account : XXXX, XXXX XXXX XXXX XXXX, Bank Routing Number : XXXX, Account : XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX XXXX XXXX {$420.00} XXXX/XXXX   XXXX {$800.00}
Product: Student loan

In XX/XX/2003 XXXX offered my ex husband and i a joint loan. We signed it. Nelnet nor the florida department of education nor XXXX XXXX  will split the loan in half as the divorce states we pay each half. I am at the whim of the borrower, my ex husband, who for 4 years hasnt wanted to pay the loan. Nelnet stated to consolidate it. its not a true consolidation ... ..i will still remain at the whim of my ex husband. Lawyers cant help me either. Lawyers have never heard of this type of arranged loan. The lenders dont make these loans anymore either. Our credit is terrible and we cant get private loans at this time to seperate it. We cant pay to the principle either ... even though they tell u on the telephone u can. Its all lies.
Product: Checking or savings account

I want to sync my account with a budget building app to help me with my finances but they wont allow me to do so
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX ; number : XXXX XXXX  XXXX number : XXXXXXXX XXXX XXXX : number : XXXX