23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted PHH Mortgage in XXXX of XXXX to be placed on a XXXX XXXX for 6 months which they did. I called back in XXXX to make my first monthly payment. The payment amount was incorrect ( over $ XXXX ) because the PHH escrow analysis was incorrect. They had placed me on force placed insurance which was a mistake made by PHH and they required me to make the incorrect monthly payment. I expressed to them I did not want to pay more then I was due but they informed me this wasn't an option. The customer rep then decided to place me on a 3 month Forbearance while they did another escrow analysis. My new payment date was scheduled for XX/XX/XXXX. 

PHH reported me to the credit bureau 's on XX/XX/XXXX for not making a payment. This has impacted my credit score by XXXX points. I called PHH in XX/XX/XXXX to inform them of the mistake and asked that they correct the mistake with the bureau 's. PHH said they would open a work order and get the issue resolved. I called back on XX/XX/XXXX and said work order was closed and the issue was my problem because I had not made a payment!!!
Product: Checking or savings account

The bank processed all the payments I made on one day twice the day of XXXX, take hundreds of dollars extra and leaving my with a negative balance on XXXX. Went to the cafe to purchase my lunch and had my card declined leaving me to return everything and hungry. I called and found it was their mistake, but little care for the problems i faced due to their error and had no controller or action i could take. The best they could do is fix it by the end of the day and return any fees, no offer to help buy my lunch
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX XXXX is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take plaXXXX This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX XXXX complied with this requirement.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, specifically in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous amount of times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer reports and noticed that there was XXXX late payments listed on my account that I was never late paying. Its the consumer reporting agencies duty to report Information as accurate as possible. I was not late on this account XXXX XXXX. Please investigate and provide proof with statements showing late payments. If proof can not be provided, please remove the late payments from my report. Thank you.
Product: Mortgage

Every year around the same time of the year ( XXXX - XXXX ), ( a ) Roundpoint demands that we send them a copy of the Master Policy for our HOA ; ( b ) we send them a copy of this policy and get a confirmation of them receiving the policy ; and yet ( c ) they send us letters pretending to have never received the policy. 

The same exact thing happened to us last year and was chronicled in CFPB Complaint XXXX ( attached ). 

They are literally the only mortgage servicer we have that makes zero effort to get the master policy themselves, which is ridiculous by itself, and yet even when we provide them the policy, they claim they never received it. 

I'm not sure if they are doing this purposefully to try to force borrowers to take out unnecessary policies under the basis that they are supposedly uninsured. 

I have attached a copy of the previous complaint, the Master Policy, and the email confirmation. The proof of submission is from XX/XX/XXXX, and their letter claiming they never received it is from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have reviewed my most recent credit report and Ive found inquires that I did not authorize. Ive already sent in a dispute, and filed a FTC Report. I have not applied for credit cards, loans, or requested any extension of credit from : XXXX XXXX Dated : XXXX ; XXXX XXXX Dated : XXXX ; or XXXX XXXX XXXX  XXXX. Dated : XXXX. These unauthorized and unverified inquiries are identity theft and must be deleted. I have attached the FTC Report and I.D . documents.
Product: Checking or savings account

On XX/XX/2023 I spoke to a rep at Paypal concerning a refund for {$420.00} I was expecting. the rep said it would be available by XX/XX/2023 and indicated there were no other issues with my account. When I logged into Paypal on XX/XX/2023 there was a message saying my account was permanently suspended and I could not access any money for more than 180 days. 

I called Payapl and asked why it was suspended, they rep gave me no clear answer and just said it had been reviewed. Then she began asking me about why I had so many payment cards linked to my account. I explained that I never removed any of the olds ones, she said I had too many. Well I have had this Paypal account open for almost 20 years and cards expire and change over time. Never once has Paypal sent a notification that there are too many cards linked to it. She went on to remove some and said she would submit it for another review. This company is literally holding my money hostage for no clear reason.

I want my balance released and this account closed
Product: Debt collection

pinnacle credit has reported a debt from XXXX wireless without providing proof of debt I do not owe this debt and I have contacted XXXX they have no records of the debt, pinnacle will not send proper proof of the debt. The credit reporting agencies refuse to properly verify they simply take the word of pinnacle who have been sued numerous time for illegal debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureau, TransUnion, sent a mail and stated my account was properly investigated but how is that possible if the open date is inaccurate, the data last active is inaccurate, the date of last activity is inaccurate, the date last reported is inaccurate, and the payment history is inaccurate. This is grounds for removal and they also violated my rights under : 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

add it to my report. Your cooperation would be GREATLY appreciated. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX LLC Account Number : XXXX This is not mine. 

4. Identity Theft SUNTRUST BANK Account Number : XXXX This is not mine.
Product: Checking or savings account

They said they were closing the account due to suspected fraud which is weird because there were only transactions from my stepdad ( maybe 12 total as donations ) and one from me. This is on the heels of the XXXX issue I had and I think XXXX caused this, but either way, they closed my account and havent given me the funds I think from XXXX XXXX 

They had no complaints on my file and no reason to officially do this, same as XXXX. I was a victim of fraud after XXXX several times and this has happened with 3 banks now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Debt collection

Exeter Finance LLC Account XXXX XXXXXXXX The account was opened XXXX 
During this period of time I have been a victim of identity theft.
Product: Checking or savings account

RECEIVED A PROMOTION FROM CITI BANK ( PROMO : XXXX ) IF I DEPOSIT OVER {$75000.00} WILL RECEIVE {$1000.00} AFTER 3 MONT OF THE DEPOSIT, I OPENED THE ACCOUNT ONLINE AND USED THE PROMO CODE BUT WAS NOT PROVIDED WITH AN ACCOUNT NUMBER, SO I CALLED THE NEXT DAY TO GET THE ACCOUNT NUMBER AND WAS TOLD IT IS NOT AVAILABLE YET, CALLED FEW TIMES ON THE NEXT FEW DAYS, THEY TOLD ME FOR SECURITY REASONS THE COULD NOT GIVE THE ACCOUNT NUMBER OVER THE PHONE, WENT TO THE NEAREST CITIBANK BRANCH AND THEY COULD NOT HELP ME ALSO. RECEIVED THE CHECKS AFTER TWO WEEKS AS THEY SEND THEM TO THE WRONG ADDRESS ( THE ADDRESS ON THE CHECKS THEMSELVES IS WRONG ). 
I IMMEDIATELY INITIATED THE TRANSFER FROM MY XXXX BANK TO CITI WHICH TOOK THREE BUSINESS DAYS TO BE VERIFIED AND TRANSFERRED {$79000.00} TO CITI BANK BUT I WAS TOLD NOW THERE IS A HOLD PERIOD OF UP TO 3 WORKING DAYS BEFORE THE ACCOUNT IS CREDITED.

NOW I'M TOLD THAT I DO NOT QUALIFY FOR THE PROMOTION AS I SHOULD HAVE MADE THE DEPOSIT IN LESS THAT 21 CALENDAR DAYS, WHICH IS IMPOSSIBLE CONSIDERING ALL THE OPESTICAL I HAVE TO GO THROUGH. 
FILED A COMPLAINT # XXXX WITH CITI BANK BUT WAS DECLINED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to order my credit report through Equifax 's XXXX XXXX and I have tried to use the free credit report website and I can not get my credit report. Months ago, I have contacted them and was told to fax in a lot of information with copies of my driver 's license and social security card. I was told to ask for them to review it. I was also told on another occasion that my credit report maybe split. I still have had no success getting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter, dated XX/XX/2022, addresses Synchrony Bank to opt-out of sharing and reporting my information to non-affiliates. Synchrony is reporting transactional history to credit report agencies, when I have not provided written consent to share or report any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX, XXXX company is not respecting A, our, original agreement we signed and is lacking on fixing my credit report with the credit bureaus, mainly TransUnion and XXXX. I dont know if XXXX  XXXX XXXX or the bureaus is lacking and dishonestly working on my report, which XXXX XXXX XXXX is the one I have doubt with. On XX/XX/2021 I called customer service and spoke with the manager, I wanted to clarify some errors I spotted with my first and last name in my payment file report, and why are they sending out wrongful disputes letters, not being honest?. On XX/XX/2021 in the morning when I logged into my account I realized my signature was wrong and a different payment method was added with the same name. I have noticed XXXX  has been sending out wrongful disputes on 1 or 2 accounts. 
I contacted the Bureaus because, after what I spotted I wanted to make sure my credit report from the official website of TransUnion, XXXX, and XXXX  was not damaged. Turns out I had and still have trouble signing in to my accounts but Im most upset with XXXX. I have sent dozens of disputes of wrong information on my report and the same name on my XXXX  account appeared in my credit report. I have been trying to fix my situation with XXXX  and have called various times this week from XX/XX/2021 but I have seen no results or effort to work with me.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I discovered multiple billing discrepancies. The late payments recorded do not correspond with my regular payment history.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX Balance : {$1300.00} XXXX CARD XXXX Balance : {$1300.00} XXXX XXXX XXXXXX/XX/2024
Product: Vehicle loan or lease

Please accept this correspondence as an update in regard to the above-referenced matter. Since submitting my complaint to the Texas Attorney General 's Office ( Complaint No. XXXX on XX/XX/XXXX ), I have verbally spoken with a representative of Exeter Finance just a few days ago. This was to confirm my balance which was still the same has it had been for months as I have complained for months. For example : My principal balance has been {$25000.00} from XX/XX/XXXX to XX/XX/XXXX. The loan was obtained in XXXX of XXXX. I only had to purchase a vehicle because my car was totaled during Hurricane Ian. 

Today, I decided to check my online account and unbeknownst to my knowledge, a payment in the amount of {$720.00} is reflected as of XX/XX/XXXX. This payment was not made by me. The payment miraculously appears to be applied to the principal which of course reduces my loan balance. 

My question is why now? Could this be because I complained about this with the Attorney Generals Office. This basically confirms what I have been stating for months that the balance has been reported inaccurately, and IS STILL being reported inaccurately as the amount applied is STILL INACCURATE. This is nothing but fraud and a breach of the Contract as they are not accurately applying the interest/principal. I calculated my interest vs. what is reflected on their Statement of Account, and it is not accurate. I have been telling them for months, and no resolution. 

They are not only doing this to me, but there appears to be hundreds, maybe thousands who have complained about the same thing but do not have the knowledge to ascertain the difference. Please check the XXXX  records and complaints online. I do have printouts that I keep on my end. 

I am requesting that this company be fully investigated for theft, fraud, and deception.
Product: Debt collection

I received a letter in the mail saying I owe XXXX XXXX $ XXXXfrom an account opened XXXX 2023 and I dont have XXXX  and did not open that account. I lost my social security card and birth certificate last year as well, not sure if thats how they got my information. I have had XXXX XXXXXXXX  for 3 years
Product: Money transfer, virtual currency, or money service

I was scammed for sending money through an app called ZELLE
Product: Checking or savings account

Why did they close my account after they took my sons ssi check.. I need help and a voice Im not educated on this matter please help. I need a place to live. Please help me.. thank you XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/23 PNC bank charged my Savings account with a {$3.00} activity fee, I contacted Customer Service and was told it was due to XXXX transactions and the fee was refunded. 
The next day I received another {$3.00} fee ; On XX/XX/23 I received another {$3.00} fee and contacted customer service by Chat and then via telephone ; the first agent told me I received the fee because I deposited money into the account?? and some other transactions. After XXXX minutes of debate the agent got help and came back with yet another answer. 
At the end of the day I had never had this fee previously, when it happened the first time I contacted PNC to find out why and how I could prevent it in the future. I was given incorrect/ incomplete information the and so it happened again this month - when I called back I again got incorrect information. At this point I understand why it happened and can prevent it in the future but PNC owes me {$6.00} for providing incorrect information that led to the fees and an apology for wasting so much of my time. The icing on the cake is that if I want to talk to a manager I have to wait XXXX business days for them to call. This is terrible service, PNC should train their associates and take better care of loyal customers.
Product: Credit reporting or other personal consumer reports

Experian, XXXX requesting the removal of negative remarks from my credit report under the Fair Credit Reporting Act ( FCRA ) XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal of Negative Remarks from Credit Report Dear Experian, I am writing to formally request the removal of denigrating remark from my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I've identified a negative entry that I believe to be misleading. 

**Details of My Dispute : ** XXXX XXXX XXXX Account Information . I'm requesting that you remove the negative remark ( SETTLEMENT ). The account was paid and closed. 


I believe this remark is putting me down. " I Under the FCRA, I have the right to dispute any inaccurate information in my credit report. Therefore, I kindly request that you conduct a thorough investigation and take appropriate action to remove that negative remark from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

I am writing this letter regarding the sign up bonus for my Citi Gold checking account. I opened my account XX/XX/XXXX after I had received a sign up offer with promotion code : " XXXX ''. I have called the customer service and was CONFIRMED that I was qualified for the offer. According to the offer, I will be able to get XXXX AAdvantage miles if I complete the following XXXX requirements : ( 1 ) Make {$1000.00} in debit card purchases ( 2 ) Make 1 or more bill payments for two consecutive months I finished ( 1 ) on XXXX XXXX and ( 2 ) was done on XXXX. XXXX. ( The first bill payment was cleared on XXXX XXXX and the second was on XXXX XXXX. ) I have contacted the customer service several times inquiring about when the XXXX will be posted both via phone calls and on-line chat. They all told me that I am qualified for the promotion and my AAdvantage miles will be posted shortly. It has been more than 120 days after the end of the month when I met the requirements, however I received nothing after waiting very patiently, trusting citi 's promise. And what 's made me even more upset is that last time the representative over the phone said they have to do an investigation regarding my situation and the result was that I was not qualified for that promotion. I feel so disappointed why citi kept saying different things. 
In order to wait for the miles to be posted, for the investigation and for dealing with the issue, I have paid XXXX monthly fees and it seems that I am going to pay the XXXX XXXX.
Product: Vehicle loan or lease

I did not apply for Wells Fargo Auto loans they were known to discriminate against XXXX  person or XXXX person Please remove extreme negative comments on cfpb who ever wrote this against me is a XXXX  person. Its obviously a XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2020 I submitted my mortgage payment of {$980.00} and on XX/XX/2020 my bank confirmed that Caliber Home Loans had charged the mortgage amount twice. So one payment of {$980.00} posted on XX/XX/XXXX while another payment of {$980.00} is pending/on hold. As of XX/XX/2020 I still do not have access to these funds within my bank account. I contacted Caliber Home loans customer service department and was told that the money would be returned to me shortly. I am in the middle of this pandemic with no financial assistance and I am relying solely on my VA XXXX  compensation to live/pay my obligations. So to have an extra {$980.00} withheld from me without a full explanation other than that it is a technical error within their system is truly unacceptable. I have no money left over to pay the rest of my bills or to purchase groceries.
Product: Credit reporting or other personal consumer reports

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX  {$3300.00}, XXXX XXXX XXXX {$12000.00}, XXXX XXXX XXXX {$10000.00}, XXXX XXXX {$560.00}
Product: Credit reporting or other personal consumer reports

I want reported accounts removed credit collections XXXX XXXX XXXX XXXX