23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Recently my mortgage loan was transferred from XXXX XXXX XXXX to a company it purchased and now owns called PHH Mortgage XXXX. I was only two months behind and not at risk of foreclosure since XXXX did not foreclose until the loan was 89 days past due. 

Today, on XX/XX/2019, I contacted PHH Mortgage XXXX to notify them I would make a payment on tomorrow. I spoke with relationship manager named XXXX. XXXX informed me that PHH would reject the payment I make on tomorrow. I asked why. Per XXXX my loan was now showing for five months due instead of two months due. 

I asked XXXX how could that be since every month I made a payment I would call XXXX and speak with XXXX about the payment and I was always told I was two months due. XXXX also showed this information on my online account as well as in reports to the credit bureaus.. 

I found out that PHH Mortgage XXXX, upon recieving my loan, went back and removed all prior modification agreements which has put me in foreclosure. I had dealth with this same issue for years with XXXX. They would make a modification agreement and suddenly out the blue it would disappear. Their relationship managers ( who are nothing but Hardcore collection agents who use a mix of threats, intimidation, coercion and fear tactics XXXX would then try to hurriedly get the person to send thousands. 

The relationship manager isn't a relationship manager at all. They are as previously stated nothing more than a hardcore collection agent whose base pay is a mix of commission. 

This is why everytime I call in every other PHH agent refuses to speak with me and they say only the 'relationship mgr ' can talk to me. Again he's a collection agent. 

Well, XXXX informed me that when I made my payment to PHH I gave PHH permission to remove all prior loan servicing agreements. Or something similar. This isn't true. I paid PHH because when I tried to pay XXXX the payment was rejected as XXXX had transferred the loan and XXXX had advised me that I had to send my loan to PHH. 

I never gave anyone permission to strip my loan of the payment agreement. It was the only way I have been able to keep my home. 

I asked to speak with XXXX 's supervisor and I ended up speaking to someone named XXXX who said she was a supervisor and she said that PHH Mortgage XXXX  did not have to honor any past agreements or loan terms with the previous servicer.

So PHH decided they would put me immediately back in foreclosure. Without Notice. By making all past due payments, even those payments XXXX had rolled to the back of the loan, now suddenly due and owing. 

I told her this was not right. It's a cruel thing to do to someone and it shows me that PHH is putting profits over homeowners. 

I need someone to step in. I can not escalate at all when I call PHH. I get a lot of push back. No one ever returns calls. 98 % of PHH agents won't speak to me at all on my loan directing me to one person whose rarely there and I can never really reach them. 

Please help me. PHH needs to honor all previous agreements as XXXX 's paperwork stated they would.
Product: Debt collection

PDQ Services attempted to charge me {$4400.00} without including {$500.00} pet fee and monthly pet rent and {$300.00} risk fee to be included in my deposit. I 've attempted to contact the manager  of the company by email and phone with no response in order to speak on arrangements and settlement amounts. No one has returned my calls. With paying a monthly fee, I was still charged to replace carpet in the entire apartment totaling {$1100.00}.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report, I noticed a few inquiries that I neverauthorized. I have heard of companys pulling your credit without permission and Iknow that it is not allowed. Please remove the following unauthorized inquiryXXXX XXXX, and TransUnion, of the removal of these fraudulent inquiriestoensure theaccuracy of my credit file. I am also seeking written confirmation of theinvestigation results and any actions taken to rectify this matter. According totheFCRA, you areobligated to provide me with a written response within XXXX  daysofreceiving thisdispute letter, as specified in Section 611 ( a ) ( 1 ) ( A ). Please beadvisedthat any failureto comply with the FCRA 's provisions may result in legal actionandreporting of yournon-compliance to the appropriate regulatory authorities.
Product: Debt collection

Multiple FDCPA Violations by Collection Agency and  lawfirm Suttell & Hammer. This agency is attempting to collect charges for a fraudulent account opened with XXXX XXXX XXXX. This is identity theft yet they claim this account is verified by XXXX XXXX. I dont see how that is possible since XXXX XXXX deleted the first of two fraudulent accounts opened in my name and I have submitted all my notarized affifavits and police reports, clearly stating this account is not verified because I am swearing to the fact it is fraudulent. 

Violations : Suttell sent me company letterhead yesterday which was their response to my BBB complaint on them. In the letterhead they admit to mailing my personal information related to debt collection and lawsuit to a different address on my street where I do not live. 

Suttell advertises as being lawyers uet their website clearly states they are debt collectors. 

On the pending lawsuit court paperwork filed with the district court, the official court website shows my case number and XXXX XXXX as the Plaintiff with their lawyer name underneath. Funny thing is the lawyers name is also an employee with Suttell & Hammer Collection Agency and listed on their website.
I have notified Suttell & Hammer as well as XXXX XXXX via XXXX clearly that this is not my debt and supplied all my official reports. I simply wish the fraudulent account to be deleted in order to not have to seek legal assistance for the clear violations.
Product: Credit reporting or other personal consumer reports

Recently i did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S Code 1681e ( b ) accuracy of report Whenever a consumer report agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under the paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$590.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXXXXXX XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$670.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$480.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$770.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$1900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX Start a dispute XXXX XXXX  Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$2900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX XXXX  Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$340.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listed as being 30 days late on my XXXX credit card for however after requesting my statements be emailed to my the branch manager because XXXXXXXX XXXX has REFUSED to mail my statements to me and has instead keep me on paperless statements despite me telling them countless times I do not have access to online statements. This is a violation of the E-Sign act and due to this inaccurate reporting I will be filing a lawsuit against XXXXXXXX XXXX. However at present I am providing proof that my account can not be 30 days late as my due date is XXXX and at present it is XX/XX/XXXX. I am providing both my XX/XX/2023 and XX/XX/2023 statement emailed DIRECTLY from the branch manager. Showing both XXXX and XXXX paid on time. This inaccurate reporting needs to be fixed IMMEDIATELY as it has caused extreme harm to me personally and financially and I will be seeking legal action against all parties not just XXXX XXXX  if it is not corrected expeditiously. 

I have attached a copy of my ID for identity verification
Product: Credit card or prepaid card

On XX/XX/2021, Amex removed a credit balance from one of my credit cards for {$100.00}. When I asked about where this money went, they said Id received a check. Over 2 months later, I still do not have a check in the mail from them. Ive asked 5 times about where it is. 2 times they said theyd issue a new payment. I even gave them my bank details so that they could wire the payment to me. They still have not done so! At this point, their mishandling is blatant theft and utter disregard for my missing funds.
Product: Debt collection

On XX/XX/year>, I contacted the collection agency to find out why they put me on collection for the amount of {$1400.00}. They told me the actual amount is {$1600.00}, which they included other account charges thats not been reported yet. I requested, but they opted not to provide details of the charges. On XX/XX/year>, they offered to settlement all account charges for {$1300.00}. Again, I asked for details of the charges and original creditor information. XXXX XXXX, their account manager saids XXXX give you none. Told me to pay first, then theyll give me a receipt of the charges.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I went into the TitleMax of Georgia on XXXX XXXX XXXX XXXX  Georgia XXXX and I made the total final payment of {$1900.00} and that brought my accounts with XXXX balance I have the receipt which states that the account was paid in full and it stated that the title should be returned now once I did that and I went to the DMV they gave me a problem with getting my title with the lien removed because it says that I still have a balance owed. This company has deceptive practices and is trying to keep my car title by overcharging me on a loan that they provided After I came in to pay off the balance I tried to speak with corporate and that to was to no avail. This is my last resort
Product: Mortgage

We sold a property, closed on XX/XX/XXXX which had 2 loans with Huntington Bank and submitted payments per payoff instructions from Huntington Bank via the title Company that handled closing. Title company had intended and billed us to wire both payoffs on XX/XX/XXXX. Title company informed me that the payoff amount may have been incorrect by Huntington and we may get a small bill. At the end of XX/XX/XXXX I received a bill from Huntington for {$580.00} accrued interest for two months - XX/XX/XXXX andXX/XX/XXXX. Called Huntington and they admitted they put the payoff amount ( {$67000.00} ) in a holding account since it did n't meet the payoff ( due to 3 days mailing time interest ) and continued to charge me interest on the full loan amount. After some discussion they agreed that it was their mistake, balance was {$0.00}, they would waive the additional 3 days interest so no worries. About 2 weeks later received a call about paying off the {$30.00} remaining interest that was added. At this point I was under the understanding that the title company had wire transferred in both payoffs the same day and since there was no issue with the conventional loan could not understand why an issue with the HELOC. Bank supervisor ( XXXX XXXX ) informed me that the title company wired in the conventional payoff, but sent check for the HELOC. This was the same supervisor who on the previous contact had agreed to wipe out any remaining balance due to the hassle. I requested a written payoff before paying anything additional and was sent a payoff letter on XX/XX/XXXX with a payoff amount good until XX/XX/XXXX ( two months previous ) with a payment due date of XX/XX/XXXX ( 3 weeks previous ) and boilerplate comments stating that the payoff amount may not include additional charges  such as late fees or adjustments. I called back and refused to pay based on this verbiage as well as the fact that they had already told me once that they would write off the balance. I emailed the title company for their take on the situation and they informed me that although Huntington told them to mail the payment instead of wire transferring the funds in that they would make the payment of {$30.00} to clear it up since they did n't bill me originally for it. On XX/XX/XXXX this payment was credited by Huntington, but on XX/XX/XXXX they issued me a bill in the amount of {$530.00} for the previous interest charges that were supposed to have been removed. I again spoke with Huntington on XX/XX/XXXX the date I received the bill to someone named XXXX who assured me that the balance was {$0.00} and nothing was due. I asked for written confirmation showing a XXXX  balance and was told it could take up to 30 - 45 days for the payoff letter to be processed. Today is XX/XX/XXXX and I again received a billing statement dated XX/XX/XXXX in the amount of {$530.00}. I have had absolutely enough of this nonsense with Huntington Bank which I had done hundreds of thousands of dollars of business over the years lying to me about a simple loan payoff that they screwed up and now refuse to correct.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 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 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
Product: Debt collection

Ascension Recovery Management at XXXX XXXX XXXX, XXXX CA XXXX at ( XXXX ) XXXX a collections agency for XXXX XXXX in XXXX XXXX XXXXXXXX sent me a bill for a XXXX  XXXX that is not my vehicle. I think they are trying to find the owner. At DMV they told me the owner on the title is a XXXX man but would not reveal the persons name. 
I have legal rights and do not want to pay for someone elses vehicle. I think XXXX or Ascension agency should bill the legal owner and not harass me. Im physically XXXX  at XXXX and only XXXX of XXXX kids in a small family which I know can leave me vulnerable to threats like this.
Product: Mortgage

Signed for refi XXXX. Changed mind and sent " Right to Cancel '' notice to SunTrust XXXX. Must receive " Release '' to obtain XXXX from another source. It is now XXXX, ( 2 months and 10 days ) and still have not received the Release. 

XXXX Called Suntrust talked to XXXX. Was told that Mr. XXXX XXXX is working on the official release statement and would call me within 24 hours. 

XXXX. XXXX sent an " Account Activity Statement ''. Was told that Mr. XXXX XXXX would send the official release statement within 24 hours. 

XXXX. Still no Release Statement. Called Suntrust XXXX PM. Was told Mr. XXXX XXXX was out to lunch and would return in half an hour. XXXX XXXX  called Suntrust, person anwsering phone couldn't find Mr. XXXX. She emailed him to call me by end of business ( XXXX XXXX  ) or on XXXX. 

XXXX. Called Suntrust at XXXX XXXX since I did not receive a call from Mr. XXXX. 
I kept getting disconnected and returned to the 2 minute 20 second message you get when you call before you talk to someone. I asked to talk to Mr. XXXX. They can not get Mr. XXXX on the phone because he doesn't have a phone at his desk. But they would have him call me. A phone call that has not and never will take place. 

If they can send me an " Account Activity Statement '' showing that I have a XXXX balance why can't they issue the official " Release '' so I can get on with my refinance? Until I get the release I can not proceed with the refinance with another company. I feel they are deliberately holding this up just to give me a hard time because I cancelled their loan.
Product: Debt collection

XXXX XXXX has contacted me on XXXX occasions. XXXX time stating I owe on a loan. An must take care of in timely manner before court. ( call on XX/XX/XXXX ) XXXX call was asking what I have decided to do to resolve issue. I told them it was n't my debt. She told me good luck. ( call on XX/XX/XXXX ) Then received a message stating I had XXXX to make a statement on my behalf. ( call on XX/XX/XXXX ) I have also received a email stated the debt I owe. They also have some of my personal information. I asked when the loan was deposited and when payments where missed. They could n't address that information they told me. I have called cashnet to double check on any loans. They stated the last loan I received was in XX/XX/XXXX and had been paid in full. An then offered me a loan which I refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review the attached documents. I sent a letter along with an enclosed check for {$110.00} dollars. In the letter I stated the following : Enclosed is a check for {$110.00} for the above mentioned account XXXX. 

Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full. 
2 ). You agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX  & Trans Union and any others your currently reporting to. 
3 ). All collection attempts & activities shall cease. 
4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector. 
5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 

I sent the letter certified and asked for return signature. They cashed the check but failed to comply with the terms of cashing the check. I also wrote the same information in the Check Memo section.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party filing this. The following credit reporting agencies are reporting several inaccurate late payments on my credit report. And several inquiries that I havent approved of. XXXX, XXXX and Transunion.
Product: Money transfer, virtual currency, or money service

CASE # XXXX respondent states records are only kept for Twenty Years. NO record found. This CD was issued in XXXX it is now XXXX FIFTEEN YEARS! bankers that can not do ample math. With no record found, it is easy to conclude someone has reached the record! Is that the one who has the {$20000.00} Dollars? Something needs to be investigated here. The simple answer would be that I have the funds with documentation to back it up. They simply state no record. Anyone with reasonable intelligence would conclude some impropriety has occurred. Please find a definitive answer other than " Who Knows ''/ sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment to be updated. 


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


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


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


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


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


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I pay for monthly service from equifax, they blocked all access to my account.
Product: Credit card or prepaid card

On XX/XX/2022 we returned from a trip to XXXX and upon reviewing our Chase VISA transactions noticed charges for groceries purchased at a XXXX and delivered to a XXXX XXXX address on XX/XX/XXXX. We live in XXXX. 

We immediately went to our local XXXX ( XXXX ) store and discovered someone had accessed my frequent shopper card and its attached Chase VIsa number. 
This was immediately reported to Chase and XXXX and Chase has now twice told us the charge was valid and our responsibility! We need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX XXXX XXXX XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of USBANK XXXX I believe it was reporting in error.