23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was diagnosed with XXXX and was unable to earn enough money during my treatment and recovery so I entered into a forbearance agreement with PHH Mortgage. Their Relationship Manager assured me that I would not incur late fees or be reported to the credit bureaus as " late. '' My wife XXXX XXXX and I was reported late to all credit bureaus for 8 months ( XXXX XXXX to XX/XX/XXXX ) while the forbearance plan migrated to a successful loan modification. When PHH requested my trial payments during the initial phase of the loan modification, I made those payments in a timely fashion and PHH reported the trial payments as late. 

I did not discover the damage to our credit reports until recently. My wife and I tried to apply for a car loan at all the banks and credit unions which offer competitive rates of 3 % and were declined several times. Finally, a lender called XXXX approved the car loan at 23 %. 

I have filed a complaint with PHH Mortgage and XXXX. PHH says they did nothing wrong in their letter dated XX/XX/XXXX ( attached ). This contradicts their Relationship Manager claim and their Telephone IVR system says that " you will not be reported late to the credit bureaus while in a forbearance plan. ''
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX )
Product: Credit reporting or other personal consumer reports

Please remove hard inquries XXXX XXXX XXXX XXXX Equifax Mortgage Service 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 has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed you and your account. 
( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is my second time reporting an account that was a result of identity theft. The debt collector continues to report this account after being told that it is a result of identity theft. I have files a police report regarding this matter as well. I AM EXTREMELY UPSET DUE TO IDENTITY THEFT, I have been a victim since 2020 and would like to now explore legal recourse in this matter this company national credit system has an account opened XX/XX/XXXX of XXXX that continues to report as a derogatory account on my credit report I am asking that this account be removed quickly by this creditor. I would like to also file a complaint as of this is my second time filing a report as a part of the escalation process, I am being forced to file this once again to try and find a resolve before escalating to the Attorney General 's office. I would like to fully document that this is identity theft an account that is not authorized by me and I would like for this account to be removed immediately.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To : XXXX XXXX Transunion Validation Letter I am writing due to the negative marks youve made on my credit file. I would be willing to accept this debt if it were mine and upon Validation and Proof of Claim but its not mine and theres no way of the Fair Debt Collection Practice Act ( FDCPA ) so let it be known that I am requesting full validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and that there is some contractual obligation which is binding on me to pay it. I request that you stop contacting me by telephone and restrict your contact with me to writing only, and only when you can provide adequate validation of this alleged debt. To refresh your memory on what constitutes legal validation, here is a list required documentation : Complete payment history, the requirement of which has been established by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item was, were the goods received, when were the goods received etc. ) for the entire amount you say I owe obtained directly from the original creditor. 

The Contract Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original debt. 

The obligation between you and I that allows you to collect on the alleged debt and transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 

Proof of photo identification ( i.e. drivers license state identification card or any other government document issued document ) that was presented to you at the time of incurring this debt. 

Letter of sale of assignment from the original creditor to your company ( Agreement with your client that grants you the authority to collect on this debt. 

Proof that this debt has not been charged off Any other intimate knowledge of the creation of this debt by you, the collection agency While I prefer not to litigate. I will use the courts as needed to enforce my rights under the FDCPA and other statues. I look forward to a successful resolution of this matter, removal of this debt off my file. 


Charge Off Letter A charge off account stop being a debt when once it comes a charge off account Tax Law says that when a debt becomes a charge off debt, the status changes from a debt to income According to the FCRA income can not be reported on your credit file. 

This account must be removed asap from my credit report Please note that you have 30 days to complete the investigation as per the FCRA section 611. 


Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

It's from a collection agency called XXXX XXXX XXXX they stated in the letter I took a payday loan out with Ace Cash Express ( I know I payed it off, this is from XXXX ), they say they are going to file a civil lawsuit unless I pay {$950.00} by XX/XX/XXXX. They also say they will report it to the credit agencies and seriously damage my credit if I don't pay
Product: Credit card or prepaid card

I applied for a chase sapphire reserve credit card but CHASE said that they couldn't verify my Social Security and my information, but they could create a hard inquiry, so I think there was an error in their system. I called them and I said, why couldn't you verify my Social Security when you could create a hard inquiry and they respond sorry we couldn't get your information. So please I want to remove the hard inquiry because this is affecting my credit score. 

CHASE CARD XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX XXXX -ARS # XXXX -ARS # XXXX -ARS # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/year> I went to a Bank of America to do a deposit, and after I put the money ( XXXX dollars ) the atm turn off and do not deposit it, then I call to the bank and they said will be on my account at XXXX business days, what never happen, and I call again on XXXX XX/XX/year> and the attendant says will be on my bank account today XX/XX/year>. And I never received it and I have a travel planed to today and I cant not to go with out the money, and the bank do not care about my money
Product: Checking or savings account

I received an incoming wire on XX/XX/23. As a result, I was charged {$15.00}.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, have contacted the companies to confirm the information on the credit report and confirmed that the information is correct. by doing a deep look through my credit report I noticed that some of the information was not accurate. 

XXXX XXXX XXXXXXXX XXXX Account number # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX of {$4400.00} In accordance with the Fair credit reporting act acct # XXXX has violated my rights. 

15 U.S.C 1681 section 604 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it's also stating a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I have sent communications to Portfolio Recovery Associates starting XX/XX/2020 seeking validation for an item XXXX XXXX XXXX XXXX  XXXX placed on my credit report. To date, they've not satisfied the validation requests that has been made by me. I reached out to the three credit reporting bureaus as well informing them this collection has not been validated to me and if it has been validated with the credit bureaus, at this point someone should send me the validation. I also let the credit reporting bureaus as well as the creditor know the FTC opinion letter from Attorney XXXX XXXX XXXX points out that a printout of a bill or itemized document does not constitute verification. 

The creditor has yet to send any sort of validation as well as ignored my request for proof that they are legally able to practice business in my state. I strongly feel the above listed company is in violation of FCR by placing derogatory items on my report and responding with the validation information requested within 45 days. I also feel like the remaining credit bureaus are also in violation by not removing the derogatory information after failed validation attempts. With that said, I have the receipts from the certified copies sent as well as copies of all communications sent including the help I solicited through the XXXX. At this point, I want to file an identity theft complaint against Portfolio Recovery and a defamation of character complaint against the remaining credit bureaus for not removing the derogatory information until the validation request has been satisfied. Please let me know if you need the paper trail and I will gladly move forward.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as an urgent and final notice regarding the severe compromise of my Social Security number, leading to my identity being stolen and fraudulent information appearing on my credit report. I have already filed an FTC Report, which is enclosed with this letter. I expect immediate action from you. Under 15 USC 1681c-2 ( a ), you are legally obligated to block and remove any information associated with identity theft from my credit report within four business days of receiving a valid complaint. I demand that you comply with this law immediately. 

Fraudulent Account Information : XXXX XXXX XXXX XXXX XXXX - The XXXX XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX - XXXX The XXXX XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

CREDITORS DISCOUNT amp A - XXXX The XXXX XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

XXXX XXXX XXXX XXXX - XXXX The XXXX XXXX breach messed with my info, and now I'm seeing some sketchy stuff on my credit report. These claims aren't verified, and by the rules, you can't report them as legit without proof. I want evidence you're following compliance standards for this account. The FTC is looking into this, so take those unverified claims off my report. 

Listed below are the Inquiries that are being challenged : XXXX XXXX - XXXX My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report! 

XXXX XXXXXXXX - XXXX My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard credit check was pulled by XXXX on XX/XX/2018 in my name. I contacted XXXX and no account was opened under my name however I would like the hard check to be removed from my credit report under Trans Union.
Product: Credit card or prepaid card

Payment XX/XX/2018 of {$2000.00} paid to a law firm. 
Requested to have case put in a Jury trial court. 
after payment was made a agreement of {$500.00} to be paid monthly for a total of {$3500.00}. 
lawyer continued adjuring case until full amount was paid. 
lawyer never brought case to proper court house. 
After last payment was made lawyer relieved himself from case. Refused to bring case to a jury trial. 
Disputed with credit card company and they did not return funds after I requested a refund from lawyer. They state it is non refundable. open a investigation and they did not reverse it. Then I sent in a letter for a re investigation and they did not re investigate it at all. I had asked for proof and they refused.
Product: Student loan

I recently came out of bankruptcy and began making payments on my loan for almost a full year. The loan company, Aspire, keeps adjusting my variable interest rate upwards. I have called and spoken with them about my monthly payments and keeping it affordable, as well as paying them off as soon as I can. I have begun paying my loans a little earlier to help with paying it off sooner. However, my interest rate has steadily increase and make it difficult to lower my principal. I am the mother of a child with a XXXX, and I can not afford for the company to keep raising my interest rate and making it impossible to pay it off. I have never missed any payments nor paid late. My other private loans have remained stable in interest rate, and the company has not given me any satisfactory reason as to why they specifically have continued to raised my interest rate. Furthermore, it seems to me that they are attempting to gouge me. The last time I spoke with them XX/XX/XXXX, I changed my payments so that I would be paying off the loans sooner and they attempted to offer me ways to add more interest to my loans and making it seems like a good deal. I have also asked about refinancing options, but these are more expensive. I hope that this can be resolved by lowering my interest rate and keeping it stable. The most recent raise was to 3.73 %. When I started repayment, my loans were at 3.26 % just 12 months ago. Please help me get this resolved to keep my rate stable.
Product: Debt collection

This company is using predatory collection tactics in order to have me repay them on a debt, that I am paying to the original creditor. I was contacted by phone from this company in XXXX of 2021. They informed me that they were attempting to collect a debt that they purchased from XXXX XXXX University. I informed the representative that I was making payments directly to XXXX  XXXX University, and I would not send any payments to them. They told me that they would review the account with the original creditor and update me on the situation. Without any previous notice, on XX/XX/2021, The company GENERAL REVENUE CORP, placed this derogatory collection account on my consumer credit report. They have falsified information about the account stating that the account was placed in collections on XX/XX/2021. I have proof that the original creditor accepted two payments from me between XXXX XXXX and XX/XX/2021. GENERAL REVENUE CORP, has violated my Consumer Rights and damaged my Credit Report with these predatory tactics. I demand the immediate removal of this false account.
Product: Debt or credit management

We somehow got looped into PHH mortgage services from what I can recall ( my wife takes care of paying the mortgage ) every month or so we get a letter from loan care ( who our mortgage is through ) that we have a late charge, my wife has called PHH to address this and it keeps happening seems very fishy to me and Im not calm enough to handle this myself
Product: Mortgage

1. Bank of America has not contacted me regarding my financial situation. It clearly states on all forms that send that " We are here to help ''. They have not. They occasionally leave a message but do not follow up or require very long hold times. 

2. Bank of America refused to hear my appeal. I was told I would be contacted for the additional information I had, they did not contact me. 

3. It took Bank of America over 1 year to review and re-review my documents, only to determine I did not qualify. I appealed to review their documentation. They denied my appeal in a matter of a couple weeks when it took them over one year to initially make the decision, leading one to believe they expended little to no effort to review this case. 

4. Bank of America is encouraging me to default on making payments of my loan. They stated that this is the only way in which they consider helping out customers. 

5. Bank of America did not address all my concerns in the original complaint and stated so. They have not contacted me to assist in this matter. 

6. Bank of America sold me this loan based on false information. They explained it was a 30 year loan but did not explain it would be " interest only '' for the 30 years, that it would adjust after XXXX. I would not have purchased this type of loan if I had know this. 

7. Bank of America has offered me no solutions to resolve this matter. 

8. XXXX To which Bank of America states I make to much income for there loan modification program, XXXX other banks stated I made to little. XXXX 9. Bank of America stated that they would not give me exact information regarding the amount of income or debt one needs to qualify for a loan because they sated people could lie about it. However, some people may decide they need to get a job, or a higher paying job in order to qualify. 

10. Bank of America has assigned and then changed personnel to help me over XXXX times.
Product: Debt collection

This account is too old to be on my credit report its against the federal law to still have this on my report I was affected by the XXXX disaster was unable to pay any of my bills. My financial status had changed. several times to disputed of my credit report, I even contact the original credit to to see if they could have help, but was unable to succeed XXXX XXXX XXXX  sold this account to LVNV Funding LLC And I keep filing complains against this company to have this account removed off my credit report Im keep getting emails and calls from them I asked them several times to stop with the unwanted phone calls!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 3 documents. 

One showing the amount XXXX charged me, {$82.00} TWO showing PROOF from my bank that total amont was paid on XX/XX/XXXX I called XXXX, they said they would put a temporary credit on my account for the amount while they researched it. 

I sent bank proof, they send a second notice saying that I owed two late payments and extra interest and fees on a debt I have proof was IN FULL on XX/XX/XXXX They have since contacted the credit agencies and my credit has been effected on a debt I do not owe as it was PAID IN FULL on XX/XX/XXXX 2019
Product: Mortgage

I closed on my refinance XX/XX/XXXX through XXXX XXXX. My previous loan that was paid off was with Freedom Mortgage. On XX/XX/XXXX I contacted Freedom Mortgage as I had not yet received the {$12000.00} from my escrow balance that I was owed. This is despite already receiving a letter in the mail stating my loan account was paid in full and closed out. That letter was dated XX/XX/XXXX. 

Upon calling their company I was told that it is sitting in a queue and would take 4-6 weeks to process. I told them that is unsatisfactory to sit on $ XXXX of my money for that long and asked to speak to a supervisor. They stated a supervisor was unavailable and that they would log my complaint and have a supervisor call back. I have yet to receive a phone call and furthermore can not believe this is legal or ethical.