23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I obtained a reverse mortgage which was transferred to PHH Mortgage of XXXX, MI.for servicing in XXXX of XXXX. A set aside account was set up to pay my property taxes and insurance on my property. XXXX of XXXX, I was notified by my loan officer that my taxes had not been paid for XXXX or XXXX and after checking with my local tax office, I found that not only were the taxes not paid but had incurred late fees for both years. I instantly contacted PHH Mortgage and when I informed them that I have a set aside and asked why my taxes were not paid, was told that I was responsible to call them every month to make sure this was taking care of. I thought that this was ridiculous and asked to speak to a supervisor and then was told that the associate would need to email her supervisor to start an investigation on this issue. I hung up and called right back and was told by another associate that my taxes weren't paid because PHH never received a bill. I understood oversites and human errors and  even though this was their job, I contacted my local property tax office and was told that PHH would need to request that the bill be sent to them so I contacted PHH again and was told that they don't do that and the tax bill was my responsibility. Needless to say, by this time, I was livid and worried that my home was going to have a lean against it and really not knowing what to do, on top of that, I was informed by my insurance company that my homeowners insurance had not been paid either. At this point, I had no idea what this mortgage company was doing with the money set a side to take care of all this. After contacting PHH again and again, after almost two weeks, I finally talked to someone who took the time to look deeper into everything and who informed that they would be sending me a check twice yearly in the amount of {$440.00} that would go toward the payment of my taxes and insurance. I could not believe what I was hearing. ( I received a check in XXXX of XXXX and called about it, I was told that this was a refund check because my taxes before the reverse were already paid ). 
Apparently since the set aside was not fully funded, undenounced to me, this is a standard procedure and practice of which I was never informed. So in essence, my taxes and insurance are my responsibility My biggest concern in all this is why I was not informed of any of this. I entered into this thinking that my taxes and insurance would be taken care of and not to be made to feel like I had been taken advantage of. When I asked them if this was the way your company treats seniors on fixed incomes who are looking for a better way of life? All they said was sorry and could do nothing for me. I am XXXX years old, a XXXX senior and have owned several homes with conventional mortgages over a period of 20 years and have never ever been late on anything. I feel that it is their duty to practice truthful lending practices and to do no harm to unsuspecting seniors. If it were anyway possible, I would discontinue my dealings with PHH and go with a reputable reverse mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # 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. 

XXXX  XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX ( A.K.A. XXXX ) account # XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX  XXXX XXXX XXXX account # XXXX & XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave permission for LEXIS-NEXIS to use my information which makes it identity theft under 18 USC 1028 ( a ) ( 2 ) LEXIS-NEXIS does not have permissible purpose to collect, share or use my information which is violation of 15 USC 1681 B LEXIS-NEXIS violated 15 USC 1681 ( a ) 4 by sharing my personal non-public information without my written consent with their nonaffiliated third-parties example : ( XXXX ) ( XXXX ) ( XXXX ) & ( insurance companies ) LEXIS-NEXIS violated 15 USC 1681 ( D ) a ( 1 ) A person ( LexisNexis ) may not procure or cause to be prepared an investigative consumer report on any consumer ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer LexisNexis has never sent me ( the consumer ) a disclosure, letting me know that I could opt out. ( because I did not know LexisNexis existed ) if LEXIS-NEXIS did this to me, imagine the millions of other people they are violating
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXXXXXX XXXX {$910.00} Closed XXXX XXXX  Reported : XXXX XXXX, XXXXXXXX XXXX {$1000.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXXXXXX XXXX {$0.00} Closed XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX {$0.00} Closed MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX XXXX, XXXXXXXX XXXX {$3900.00} Needs Attention I never opened these accounts, I've reached out to these creditors several times explaining someone opened these fraudulently. I've asked them to remove these
Product: Credit reporting or other personal consumer reports

This is to follow up on the unresolved issue regarding the inaccurate reporting of fraudulent items on my credit report. I am very frustrated by the continued presence of these inaccuracies and the lack of resolution. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. I would like to ensure that these items are accurately reported on my credit file, reflecting their true status. The Credit Bureaus failed to address this issue promptly that had leave me with no choice but to escalate the matter further, including seeking assistance from you to ensure compliance and protection of my consumer rights. Please help me remove the following items immediately : XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX  XXXX Balance : {$3600.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$380.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX Balance : {$750.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$380.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX  XXXX Balance : {$810.00} ; XXXX XXXX Balance : {$6700.00} ; XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

Please Remove these inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) because these are not mine and fradulant. Thank you!
Product: Debt collection

The Debt collection agency Portfolio Recovery has been repeatedly calling my work phone from different numbers throughout the day about a debt that I have no knowledge of! I have checked my credit report and do not see a debt from this agency and also have not received a letter in the mail regarding the debt amount they are calling about.
Product: Debt collection

Debt ( {$9200.00} ) was from XX/XX/XXXX by XXXX, Debt was parked and resubmitted on XX/XX/XXXX, incorrectly put the age of the account from 3yrs to 1 yr, information on credit profile is incorrect and have disputed with the Credit Companies, they files as other however it is a auto, never sent me information about parking debt or that it is a valid debt to pay, no contact from NCB at all
Product: Credit reporting or other personal consumer reports

I started the process of repairing my credit as it is important to me. I settled and closed the accounts that were listed on all 3 credit reports. I also disputed any inaccurate information on all 3 credit reports. I followed all instruction given to me by all 3 credit bureaus. I called all 3 credit bureaus to confirm that all information and payments were received, they sent me letters confirming that the paid/settled accounts were closed. I lowered the balance on all active credits cards and made sure they were all in good standing. I also registered with XXXX XXXX to make sure I monitor my credit report daily as instructed to do so. However, there has been XXXX change in my credit score, all 3 credit bureaus are providing completely different information as well as credit karma. 
Example : XXXX site is stating my credit score is XXXX, but XXXX site is saying my transunion credit score is XXXX. I pay a monthly fee to monitor these 3 reports and I feel like no matter what I do or what instruction I follow or what monthly fee I pay, I am being scammed because I have yet to see any significant changes in my credit report & score. I am being given the run around and non of my questions answered, and if I want " more access '' its a different fee added. Now that I am complaining to them, all of a sudden I have no access to my accounts. This is exhausting and discouraging. I am trying to make things right with my credit and I am getting no where. I truly need assistance with this matter as I feel I am being scammed by all 3 credit bureaus and XXXX XXXX.
Product: Mortgage

My mtg company Mr Cooper uses some XXXX party processing company to process insurance claims and they are withholding my insurance money. 

I dont have a contract with the company they use and I never agreed to use another company or allow them to handle My funds. 

I have asked for Specific benchmarks in writing to meet the dispersement of my funds which of course they do not have and refuse to provide. 

My mtg company has a very small % of interest in my house with my loan and I feel as if they are trying to impact my home. 

If there are no clear Benchmarks in writing to be met how can anyone know what needs to be met? I have read numerous complaints about this company and need help now. I have little kids that need a kitchen to eat. And I will not continue the work on my house or come out of pocket when the money they are holding is mine. 

My loan is With Mr Cooper And the company they use is insuranceclaimcheck.com. Please help
Product: Checking or savings account

Pending transactions were debited from the account prior to direct deposits being applied. 
Multiple transactions lead to multiple fees at once.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX for failing to comply with the Fair Credit Reporting Act ( FCRA ). Despite my dispute regarding inaccurate child support reporting on my credit report ( Case # XXXX ), XXXX has refused to remove or correct this account, even though it has failed to verify the information as required by law. 

During my conversation with XXXX XXXX XXXX, XXXX admitted that : No documentation was received from the creditor to validate the disputed account. 
No human verified the accuracy of the information. 
The account was marked as " validated '' without any supporting evidence. 
These actions are in direct violation of 15 U.S.C. 1681i ( a ), which requires credit reporting agencies to conduct a reasonable reinvestigation and verify disputed information within XXXX  days. The lack of proper validation constitutes furnishing inaccurate information, which is prohibited under 15 U.S.C. 1681e ( b ).

Additionally, this inaccurate reporting is causing significant harm to my financial situation by impacting my ability to obtain credit and improve my financial standing. As such, I demand immediate removal of the disputed account from my credit file within XXXX  days, as required under consumer protection laws when information can not be validated. 

If XXXX fails to act, I will pursue damages as permitted under 15 U.S.C. 1681n for willful noncompliance with the FCRA.

Please investigate this matter and hold XXXX accountable for failing to meet its legal obligations. I have attached all supporting documentation, including my dispute details and the summary of my call with XXXX XXXX XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth : XX/XX/1981 Last XXXX of XXXX : XXXX
Product: Checking or savings account

Wells Fargo, whom I contacted by phon e 4-5 times in the past 6 weeks, c laim an account with the name  XXXX   XXXX  had {$4400.00} deducted in  XXXX . The letter is dated  XXXX   XXXX ,  XXXX  to a  XXXX   XXXX  address ( I used to live in the building ), and I requested Wells Fargo to trace the transaction for me -- they did not to date. The letter contains reference No.  XXXX . Note : this is t he 3rd requ est to CFPB also, and the last response I could not open the indicated text!
Product: Debt collection

We receive multiple calls each day for a debt that is not ours ; voice mail from XXXX XX/XX/2018 : Voicemail from ( XXXX ) XXXX " Hello this is XXXXXXXX XXXX XXXX we are debt collectors. Please call us at XXXX. Our office is open Monday through Thursday from XXXXXXXX XXXX to XXXX XXXX Central Standard Time. Friday from XXXXXXXX XXXX to XXXX XXXX Central Standard Time and Saturday from XXXXXXXX XXXX to XXXXXXXX XXXX Central Standard Time. Thank you. ''
Product: Debt collection

XXXX notified of voluntary repossession XXXX talked with rep advised vehicle location she refused repo indicated I had to work out a plan n keep car I was a good customer their service XXXX rude I sent an email advising vehicle location n lot was charging fee vehicle still there they threatened to sue which violates my rights to threaten actions
Product: Payday loan, title loan, or personal loan

Tried to make online payments. 

I entered the correct banking information twice. 

There system keeps changing the last 4 digits of my bank account number so the payment never processes. 

This is a website, system error or representative at the local branch changing my account information. 

Which now they have removed the ability to for me to make online payments. 

I do not have the ability to go to there local branch.
Product: Debt collection

On Thursday, XX/XX/XXXX, I, XXXX XXXX, received a letter with no company name, just an address provided, for a XXXX XXXX at my address, XXXX XXXX XXXX, XXXX, TX XXXX. 

I attempted to return-to-sender via USPS as XXXX XXXX does not live at my address and is not associated with my address. The USPS returned the letter to me because the debt collector provided to allow for forwarding/return instructions. 

As such, I had to spend time, money, and postage to return the letter to Rausch Sturm, LLP. Their name is not on the envelope and a detailed address search had to be conducted. 

Being a victim of identity theft, I am unsure what this debt is, if it is in any relation to me, or what effects it may have on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to dispute inaccurate information on my experian, and transunion credit report. I have asked both companies to send me any documents with my original signature, or proof that shows that these are my accounts. These inaccurate accounts are listed below. 

the inaccurate items on my experian report are listed below : # 1 XXXX XXXX ( {$8500.00} ) # 2 XXXX XXXX  ( {$620.00} ) I have never done business with these companies. 

These inaccurate items on my transunion report are listed below : # 1 XXXXXXXX XXXX XXXX ( {$2000.00} ) # 2 XXXX XXXX  ( {$620.00} ) # 3 XXXX XXXX ( {$170.00} ) I have never done business with these companies.
Product: Debt collection

There is a privity of contract going on with XXXX for an auto loan I originally had with XXXX who assigned it to WELLS FARGO. I never had an original contract with WELLS FARGO and as the consumer in this unilateral contract, I'm not benefiting. Where are my payments going? WELLS FARGO used my credit card-15 U.S. Code 1602 - Definitions and rules of construction- ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Who is XXXX XXXX?
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I disputed some accounts on my credit report that I had no knowledge of. I also provided an FTC report as well as my dispute letter to have these accounts removed within XXXX business days under section XXXX. Experian, XXXX, and XXXX however, listed the dispute as verified and updated without providing me proof of how the information was verified. All three bureaus have information that is inconsistent with these accounts. They have failed to properly investigate this matter to include overlooking my dispute documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}, {$0.00}, {$5500.00}, {$270.00}, {$4900.00}, {$670.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on AXX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : DPT EDXXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX  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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Credit card or prepaid card

I made an initial complaint XXXX, and it closed but I am not happy with the results. 

Some charges were reversed but not all. 

If you read my complaint and through my conversations with the bank I stated correct the mistakes, close my card, and stop charging membership fees. I have not used the card in a year because of this problem and they are charging me late fees after telling CFPB to close it he complaint I guess that all was fine. That is surely not the case.
Product: Mortgage

I make XXXX payments to assist in paying down the loan faster. In the past, I had XXXX as a lender and made XXXX payments for 2.5yrs. I see the XXXX XXXX reduce in comparison of making monthly payments. 

I sent a partial {$700.00} payment on XXXX/XXXX/XXXX via ACH, after the cycle date. The payment cleared my bank account. The payment was suspense and returned on XXXX/XXXX/XXXX, which I received the returned funds back. 

I sent a second partial {$700.00} payment on XXXX/XXXX/XXXX via ACH, making my XXXX payment whole of {$1400.00}. The payment cleared my bank account. The payment was in suspense and returned on XXXX/XXXX/XXXX. 

I called XXXX Mortgage on XXXX/XXXX/XXXX. Asking if they can just hold the second payment in XXXX of re-processing the {$700.00} to make the account whole. I was advised by the agent the account will be forward to specialize for review and to follow up in couple days On XXXX, I called back to follow up on an update of the payment I asked to hold since I was going to re-process another {$700.00} to make the account whole. The agent advised the XXXX/XXXX/XXXX payment was returned and I will receive the funds in 7-10 days. I was advised about the partial payment procedure. 



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