23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received another statement from PHH Mortgage company for XXXX payment. Mind you this is the XXXX letter of complaint about this company I am writing to you about. My original loan was with XXXX Mortgage my home was purchased in XXXX. 

I went into forbearance in XXXX of XXXX due to the covid pandemic and no employment. in XXXX that forbearance had been extended by XXXX XXXX  until XX/XX/XXXX with the understanding that I could come out of it at any given time without penalty and the payments would be added to the back of my loan. 
PHH bought my loan in XX/XX/XXXX. PHH did not honor any of XXXX terms. Instead I was reported as being in arrears 160 days and would be foreclosed upon. I explained everything, sent copies of all my XXXX paperwork pointing out where it stated my forbearance extension details. Then and only then did PHH allow me to extend the forbearance with them. until that was cleared up I was harassed daily with calls. I even had a tag left on my front door knob, which is just now being brought to light on my XXXX statement with a " Assessed Expenses '' fee of {$40.00}. I called PHH spoke with a rep named XXXX ID # XXXX and was told this is a fee for them doing a drive by property inspection due to my delinquency on my loan. AGAIN I was NOT delinquent, I was in forbearance. Had PHH done their job correctly they would have known this instead of trespassing and harassing me. Now I face another obstacle of XX/XX/XXXX it was recorded due to the paperwork PHH had me sign, even though when reviewed over the phone with a rep, and I asked where it showed my payments were deferred to the end of the loan, and the rep told me it showed where it said where the loan ends on XXXX. 

Come to find out, this was far from the truth. Now I am not a loan officer, not a legal person, I do not understand all their language, but what they did was even before the forbearance was officially up on XXXX XXXX, XXXX Mortgage XXXX XXXX XXXX against my property in XXXX XXXX XXXX for the XXXX forbearance payments, they did XXXX defer them to the back of the loan. Please keep in mind I had paid XXXX and XXXX payments, but they did not count those as my house payments as they should have been. 

Then paperwork I signed also has a payment amount of {$1200.00} for a payment each month yet they insist on the payment being {$1300.00} or they will not accept the payment. How can they force me to make a higher payment when it is approved and notarized with the {$1200.00} amount? And now assessing me a charge of {$40.00} stating I was behind in payment and they had to do a drive by inspection to see if someone still lived at the property this is per XXXX ID # XXXX a supervisor who told me it is a valid charge and they want me to pay XX/XX/XXXX payment of {$1300.00}. 

Something needs to be done about this company and their unethical practices. 

I am attaching 2 pieces of proof of what I am referring to.
Product: Checking or savings account

On XX/XX/XXXX I received a text from my bank Wells Fargo that they detected fraud. I immediately called the number provided and canceled my debit card and filed a claim. I checked and I had my debit card in hand with me. Four purchases were made. Two purchases at XXXX in the amount of {$320.00} and {$280.00}. Two purchases at XXXX XXXX in the amount of {$270.00} and {$36.00}. It turns out my debit card was about to expire and the replacement card was mailed out days prior to this incident. My replacement debit card was stolen in the mail and I never received it. On XX/XX/XXXX I filed a police report with my local police department. I went to these stores and obtained receipts of these purchases and staples was paid with my debit card but used as credit. XXXX XXXX they bypassed the pin and it says it on the receipts. The person that made these purchases also used his membership. His name is listed on the receipt and was given to the police. Wells Fargo still doesnt want to help me. I work hard for my money and Wells Fargo should protect these kind of incidents. Its not fair they say that were insured but my money can just be taken away in minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Onor aroundXXXX I was applying for an apartment and discovered a few unknown accounts and inquiries on all3 credit reports ( XXXX XXXX, EXPERIAN, XXXX ) these are all fraudulent accounts XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXALLOFTHESE ARE FRAUDULENT. I have addresses showing on my credit reportthatarenotmineXXXX XXXX XXXX XXXX, XXXX, XXXX.
Product: Credit card

On XX/XX/2023 I filed my initial complaint against Goldman Sachs as the bank issuer of the Apple Card. Please see the lengthy description of the issues. GS representative responded on XX/XX/2023 acknowledging their egregious errors with the handling of the fraudulent purchases made on my Apple Card. However, since their response my credit card has now toggled between restricted and ultimately locked due to XXXX XXXX being listed under installment payment plans. These were the very same phones originally purchased on XX/XX/XXXX ( the date of my card being hacked ) and were reversed under the XXXX complaint response. I was advised by a customer service representative that these were placed on my Apple Card by the XXXX XXXX. However, the dates coincide with the date the GS responder reversed all fraudulent purchases. I am back to where we started as it appears the XXXX " back office fraud department '' is not aware of the complaint response acknowledging the fraudulent purchases or the fact that all of the outstanding issues had been resolved. Additionally I was to have received a return call from the GS responder confirming that my XXXX ID was recovered contrary to the statement made in their response. I have had at least XXXX separate customer service line supervisors confirm the recovery of my ID and that all compromised information has been deleted or other security put in place. 

I have placed numerous requests for a response from someone in the back office operation to get an explanation of the issues but as of yet I have not spoken to anyone in the XXXX weeks since the mess reappeared. I was told they tried once but that my phone would not allow them to be put through and they are only allowed to make XXXX call to a customer. I advised that as they were calling from a restricted number, XXXX does not allow the completion of those calls for my safety. I left instructions that they either call from an identifiable GS phone number or to contact me through email. Again, nothing. To say this has been frustrating and terribly inconvenient just doesn't express the feeling of victimization from the company who states their policy of " XXXX XXXX Liability '' as a hallmark of their organization. What a joke. I have had to advise vendors that my annual renewals normally charged to my Apple card will have to go to another of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  Account {$3600.00} balance last updated. 

Is now paid and closed. Please update.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX someone I do not know somehow managed to send me a paypal payment for {$200.00}. Paypal charged me a fee in order to receive a payment I did not send a request for nor did I ask for and it came from a person I do not even know. Of the {$200.00} payment, I only received a net of {$190.00}. Paypal 's system will not refund the portion that is their fee as that is their apparent new policy, however in this case I'm willing to be it cost itself at least two customers.

Paypals system will not allow me to even partially refund the transaction without the fee attached and instead was attempting to force me to refund the entire transaction from my bank account which does not currently have this money available. This is absolutely terrible. The best part about this is, when the user who accidentally sent me this money called they directed her to file a dispute. A dispute that if it gets escalated to papal now has a dispute fee, talk about double dipping.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the CFPB lawsuit highlighting significant problems with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about customer safety. Thank you.
Product: Credit reporting or other personal consumer reports

The record was supposed to been deleted per settlement however it still has XXXX  been removed from credit Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly lates from XXXX, XXXX to XXXX, XXXX on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account was approved for a loan modification and during this period of getting the loan modification approved, this account should not have been reporting any late payments. This account has since been sold and should not be reporting on my credit report. This inaccurate reporting of lates on an account that has since been sold is seriously harming my credit score and this line item needs to be removed from my credit report. I have attached a copy of the loan modification documents for your reference. I have contacted the ( 3 ) bureaus to remove this item however, I have not been successful.
Product: Mortgage

In XXXX of XXXX I notified PNC Mortgage that I believed I was overcharged and overpaid PMI premiums from XXXX to XXXX. PNC sent later dated XXXX XXXX, XXXX acknowledging premiums were incorrect and they would work with PMI Carrier to correct. I received additional correspondence dated XXXX XXXX, XXXX stating research was still active and to allow 30 additional days for resolution. I have been in constant contact with PNC via phone since XXXX XXXX, XXXX only to be advised each time that the expected resolution date has been pushed further out into the future ; it has been moved five times in XXXX alone. Ultimately I recevied letter dated XXXX XXXX, XXXX advising how premiums were applied for XXXX and XXXX XXXX and that no refund was forthcoming ; completely contradicting establihed correspondence and utterly disregarding the original concern presented to PNC that premiums were overcharged/overpaid since loan origination.
Product: Debt collection

I was a victim of Identity theft from XX/XX/XXXX- XX/XX/XXXX in XXXX FL . 
There were medical services obtained under my name that were reported to the police as well as the FTC and is an ongoing investigation. We alerted the collection agency and all three credit bureaus. Unfortunately this collection agency will remove it from my credit only to re-report it with a new date attached over and over again. 
The amount stays the same but the name of the lab and collection agency slight changes each time along with not referencing the original date. 

This harassment has caused me time and money. 

The name of the agency is RADIUS GLOBAL SOLUTION Original creditors listed as : XXXX, XXXX XXXX XXXX XXXX, or XXXX XXXX The amount being reported is {$1800.00}
Product: Mortgage

My mortgage was serviced by XXXX up until XX/XX/XXXX. Prior to that I had filled for a modification that was denied but was offered a repayment plan. My initial payment was {$5000.00} which I paid on either the XXXX or XXXX of XX/XX/XXXX. XXXX notified us that the payment was late because even though I made it on the date we agreed on, it was made after XXXX. They never told me it had to be in by a specific time, a date yes, but not the hour. They suggested we fill out the application again and that the payment would be returned. We reapplied and they never returned the payment. Shortly after, I got a letter in the mail indicating that our loan was going to be transferred to P.H.H. Mortgage on XX/XX/XXXX. Come XX/XX/XXXX I made numerous attempts to contact P.H.H. to get my loan back on track. They instructed me that they would " put in '' for a modification packet to be emailed to me. I received a letter thanking me for reaching out and provided contact information for my relationship XXXX. I tried on many occasions to reach my relationship XXXX with no luck. I get routed to a different relationship XXXX every time. They never emailed me the application instead XXXX weeks later the XXXX dropped it off at our home. I filled it out and emailed it back to them. I've been calling every day since XX/XX/XXXX twice a day sometimes three. I have all the names of who I spoke to and their agent I.D . number for reference they keep telling me to give them " one more day ''. Just today XX/XX/XXXX they told me to give them " one more day '' when my foreclosure date is days away. After getting extremely frustrated they suggested I talk the foreclosure lawyers ( XXXX XXXX ). Why did they wait this long to tell me to contact them? I called them and they told me to call XXXX and have them " expedite '' the application. I also offered to pay to bring my account current. P.H.H. told me to contact the lawyers for a " reinstatement amount ''. I contacted XXXX XXXX and they told me to contact P.H.H. for the reinstatement amount since they ( XXXX ) are working for them ( P.H.H. ) and that they need to send a reinstatement amount or the temporary stop on the foreclosure. I called P.H.H. back and informed them of what XXXX said and they said that they were mistaken. Now I feel like they purposely want me to lose my home. I've been doing all the necessary steps to avoid foreclosure and they've been giving me the run around giving me the wrong information. I don't know if its because I'm XXXX or they just don't care about their customers. I feel hopeless, sadden with their lack of help. I'm stressed, I can't sleep at night trying to find last minute solutions. I'm don't know what else to do but ask for your help.
Product: Credit card or prepaid card

On XX/XX/2020 I was charged a {$39.00} fee. Capital one already charges higher interest rates than other credit cards I have.This seems wrong for covid-19 and other reasons.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). 

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than XXXX years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i started a dispute regarding to incorrect information been report on my credit report with follow up letters on XX/XX/XXXX and XXXX/XXXX/XXXX none of my letters is been answer, no investigation have been made, these company totally ignore my request. i have submitted proof of my address and photo Id attached to my letters. please help me to resolve this matter as is really affecting my reputation and i cant buy or apply for a house. 

please see attached all the letters i sent to this company
Product: Payday loan, title loan, or personal loan

They claim they can not accept my negotiable instrument, and failed to return, but are precluded by Public policy HJR-192 and Title 31 of the United States Code Section 5118 ( d ) ( 2 ), and the Fair Debt Practices Act, aka, Consumer Protection Act at 15 USC 1601 and 1693 from demanding payment in any specific coin or currency of the United States . Section ( d ) ( 2 ) of Title 31 USC 1518 states that an obligation governed by gold coin is discharged on payment dollar for dollar, by United States coin or currency that is a legal tender at the time of payment. The narrow view that money is limited to legal tender is rejected under Section 1-201 ( 24 ) of the UCC. It is not limited to United States dollars. See official comments under section 3-104 of the UCC under the definition of money. The Trustees have failed to perform their duty as fiduciary trustee of the account. I have done a Notorial protest against them and the account for non-acceptance and payment under sections 3-501 and 3-505 ( a ) ( b ) of the UCC, which creates the evidence or presumption of a dishonor. They knowingly or unknowingly become the debtor and myself the creditor by operation of commercial and administrative law. Also worthy of note, if they are going to treat the note as a liability instrument, they have to present it to me for payment, make me chargeable under 3-501 of the UCC, which they have also failed to do. To the extent that they are in dishonor for non-acceptance and non payment by Notorial protest on the administrative side, there has been a discharge of the debt in its entirety under the Fair Debt Collection Practices Act within the 30 day time frame as mandated by law. 

They have been reported the IRS via form 3949 for unreported income, and to the FCC for Securities fraud and violation of my registered security. I sent them a negotiable instrument a Money Order/Registered Security/Negotiable Instrument in the amount to payoff account, to which they failed to apply to my account and have not returned. They have also failed to report the registered security to their financial books. They have been notified. They have continued to ignore my registered securities and refuse to properly credit my account. I have also submitted a Billing Error report to them and they are ignoring the Billing Error Dispute and harassing me via email, postal mail and telephone, that is a direct violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the child support account on my experian they didn't remove it but they removed it once again on all three credit bureaus they know it's unconstitutional and it goes against 18 U.S. Code 1028A - Aggravated identity theft I reported to the federal trade commission XXXX  child support is voluntary it says it on the paper u never agreed to pay and I got took off and put on 5 times so that means it was never updated that would make it breach of contracts on top of everything else
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

For the past month I've been calling Fed loan servicing about student loans that was FRAUDULENTLY opened in my name I've sent them all required documents and all they have been giving me is a run around and not taking my situation seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

These collection accounts were not investigated properly, or at all by Experian and XXXX. XXXX has deleted. I need for Experian and XXXX to follow suit. They are also UNABLE to provide me with a method of investigation per FCRA 611. 
XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Also, XXXX is reporting a company without a name on my credit report. There is no information on this company. Who are these people? 
( Original Creditor : ) Account # XXXX
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
Fraudulent/Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  Inquiries 15 U.S code 1681n Infamis of pulls
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an dispute to the bureaus 30days ago about medical bill being reported on my report. This violates my privacy, my security and violates HIPPA which is against the law. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records.