23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

PHH mortgage company bought our loan from our original mortgage company, ( who we had no issues with ). We have had nothing but problems with PHH mortgage. 
All our monthly payment were made before or on the due date until XXXX of XXXX  when they misappropriated our payment and did not post it correctly to our account. 
Two other months I made extra payments or double payments to try and rectify their allegations and bring our account current and get it straightened out. Then they started playing with the standard monthly payment amount to further complicate things. When we paid off more than 50 % of the mortgage, we removed the escrow because I was paying the insurance and taxes on our own, once a year. They still continued to take escrow amounts out of our payments until I called and asked why. 
The people working for this company are overseas and do not speak very good English and are basically reading from a script and can not help with financial aspects of the loan. 
I have sent my spreadsheet to the review and research dept at PHH mortgage company in hopes that someone there can make some sense of what they did. 
In the meantime, we are trying to buy another house and move out of the area where we are living, for better living conditions. When we applied for our loan we found out that PHH mortgage company had ruined our credit rating and now we are not able to get a loan for anything. We are very upset about this because we have always kept our bills paid up and do not carry any credit card debt or other high cost loans. We have {$800000.00} in real estate we are selling and will more than pay for the price of the new house. 
We do not feel this is fair to ruin our good credit over something that was not our fault to begin with and would like this company investigated and our good credit rating restored immediately. 
Please advise if you can help us with this mess. 
Thank you.
Product: Debt collection

Hunter Warfield has sent several forms via mail stating I OWE A DEBT, ATTEMPTING TO COLLECT A DEBT, they also called my phone many of times harassing me about a debt. Hunter Warfield reported a debt to several bureaus resulting in negative marks on my credit violating my rights to privacy as a consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, Ally Financial released the lien on my car to XXXX XXXX. After releasing the lien ; Ally decided to report the account as delinquent. As a result, my credit score/rating has been impacted negatively.
Product: Debt collection

A few months ago I realized upon applying for a home loan that my credit had dropped severely to where I was declined. I then pulled my credit reports to find a couple derogatory accounts on my file that were not mine, both from XXXX XXXX, XXXX. I have never heard of or done any business with this company ever. The main account that they allege that I owe them is acct # XXXX in which the amount is {$620.00}. I have been in correspondence with them explaining that I dispute this debt because it is not mine & then I demanded a few times in a few different certified letters that they need to delete these wrongful accounts from my credit file. ( see attached copies ). A company named Resurgent Capital services responded after my first certified letter ( delivered by the  XXXX on XX/XX/2018 ) stating that they manage accounts for XXXX XXXX. All of my communications have been with Resurgent Capital Services since then. They are debt buyers and allege I owe this debt to them. ( See attached copies ). All allegations from this company are false and I will be filing a lawsuit in small claims court if they dont Cease & Desist all collections efforts and then send me a Cease and Desist letter stating such. Furthermore, I would like them to remove all derogatory claims/files against me on my credit reports ( this especially includes XXXX XXXX, XXXX & XXXX ). 
Please see all attachments. 
The small account that this same company alleges that I owe is acct # XXXX .... 

Thank you for your time in this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Requested General Purpose loan for {$45000.00} from XXXX XXXX XXXX in late XXXX. XXXX  transferred {$44000.00} to USAA on XXXX XXXX XXXX using ACH trace number XXXX ; however, loan proceeds went to the wrong account owned by another account holder at USAA due to a clerical error. Funds were sent to USAA account ending in XXXX ( unknown account owner ), rather than my account ending in XXXX ( owned by XXXX XXXX XXXX ), which matches the name on my XXXX  account where the transfer originated. 

I noticed the funds were sent to the wrong account o/a XXXX XX/XX/XXXX  and I called the XXXX, who completed a " stop payment and reissue. '' I followed-up with the XXXX  and USAA in several phone calls over the subsequent days, weeks, and months, and a summary of the outcome from those calls follows : Initially the XXXX  advised 7-14 days to process the stop payment and reissue. Shortly thereafter, it advised XXXX needed to conduct an investigation expected to take 60-90 days which began on XXXX. I followed-up with weekly phone calls to check on the status of the investigation, and the XXXX didn't have any updates through XXXX. I pressed for an actionable update after 90 days elapsed and XXXX advised on XXXX its investigation was complete and it would re-issue the funds within 5 business days. I called on XXXX to check on the transfer status and XXXX  advised it had not re-issued the funds and I needed to contact Dept. of Treasury for further action. 

I called Treasury on XXXX and spoke with Agent # XXXX who advised XXXX contacted them on XXXX and Treasury sent an inquiry to USAA, but had not received a response. I followed up with Treasury on XXXX and USAA still has not responded to Treasury 's inquiry regarding ACH Trace number XXXX. 

I have submitted three disputes with USAA regarding its failure to respond to Treasury inquiries ( USAA disputes on XXXX, XXXX, and XXXX ) without resolution. USAA refers back to the originating institution ( XXXX  ), but XXXX  has already forwarded the transaction reversal to Treasury and action remains unresolved with USAA. 

USAA is enabling a federal felony by not recovering funds erroneously deposited into account ending in XXXX so they may be re-issued to the proper account holder, XXXX XXXX, with account ending in XXXX.
Product: Debt collection

I have a # of debts that I ca n't pay. I am XXXX and depend on XXXX . It takes every cent I receive just to stay alive. I ca n't pay any old debt. In the past I 've tried to explain this fact to debt collectors but they continue to call. I receive on someday 10-15 calls from various companies. I have stopped answering my phone, very rarely they will leave messages, sometime identifying as the Internal Revenue Service ( when I 've check # 's by reverse # look up they are reported a scam or fraudulent # 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( l ) which is the term credit card means any card, plate, coupon book or other device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said Any card. The credit card is my Social Security card.This is the credit card I used to originate every consumer credit transaction.It should be removed from My consumer report with all Consumer Reporting Agencies : ( XXXX, XXXX, and XXXX ) pursuant to 15 U.S. Code 1681a ( 2 ) ( B ). As a federal protected Consumer I am demanding that you remove this Transaction from my Consumer report immediately with all the Consumer Reporting Agencies, as it is a violation of my rights as a federal Protected consumer under the title 15 chapter 41. 

-Navy Federal Credit Union
Product: Debt collection

XXXX XXXX XXXX have repeatedly called my place of employment. Also let our receptionist know that they were attempting to collect a debt from me. I have asked that they not call my cell phone as well, as the agents are extremely rude and aggressive. I don't know how the got my work number, but I asked that they not call again and the agent hung up. Only to call back the next day and once again refuse to state their name or transfer me to a supervisor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have been reporting Date Of Last Activity incorrectly/differently on my XXXX and Equifax report which is in violation of the FCRA reporting compliance guidelines. Also when I disputed these inaccuracies in XXXX of XXXX with the credit bureaus the referenced companies went in and updated my Date Of Last Activity to XX/XX/ when the date of last activity on the referenced accounts were initially different which is also a violation. Credit bureaus continue to say these accounts are verified as accurate when they clearly are not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is attempting to collect a debt on XXXX behalf which is actually no longer XXXX but XXXX. XXXX claims that On XX/XX/XXXX, XXXX XXXX formally known as XXXX now XXXX placed the account in their office to collect a balance of {$73.00} on XXXX XXXX XXXX. XXXX went out of business on XX/XX/XXXX. I don't have an outstanding balance of {$73.00} with XXXX XXXX XXXX also advised that they never sent me to collections. XXXX 's practices are unethical I disputed with XXXX which removed the me from collections but Equifax continues to allow XXXX to report to my credit report even though I do not owe XXXX. XXXX advised that in response to my complaint, they have ceased collection in their office. Equifax needs to remove me from collections and not allow XXXX to report on my credit report.
Product: Debt collection

On XX/XX/2018, I disputed a collection account on my credit report from AD ASTRA RECOVERY SERVICES for the amount of {$310.00}. I was unsure what this was or why it was on my credit. I never received any kind of notification in writing or otherwise from this company. My dispute was me attempting to verify that it is indeed my debt as my right, per the FCRA. They did not provide me with this information yet it is still harming my credit profile. I want this debt either verified as accurate and that I indeed am responsible, or I want it removed from my credit ASAP. I refuse to allow this company to continue reporting to the bureaus if it is unjustly falsified informations.
Product: Debt collection

On XX/XX/2019 I had go into XXXX XXXX XXXX XXXX in XXXX XXXX Arizona. The doctor installed a catheter into my urinal bladder. On the next morning XX/XX/2019 I had to return as the catheter nurse practitioner failed and came out. XXXX XXXX XXXX XXXX XXXX sent me a bill for {$590.00} for failed procedure done by his nurse and charged again for this malpractice another {$590.00} on XX/XX/2019. The payments were made by check : {$960.00} and which includes XXXX payments they did not credit me with and another approved allowed amount of {$350.00} from XXXX XXXX insurance that they refused because they claim in was out of network. 
XXXX XXXX  Physicians hired CAC Financial Corp to collect more money from me this collection company from XXXX XXXX ( XXXX ) XXXX or XXXX XXXX has been continually calling me to collect and will not stop. They claim that I need to send money to them. I made payments directly to XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

For the past 2-3 weeks my Equifax account displays literally nothing except reports I bought for the other 2 bureaus ( XXXX and XXXX ). 

XX/XX/year>, I called customer support and was on hold for about an hour. I finally spoke to someone who was able to verify my identity over the phone, acknowledge the exact issue I was facing and escalated the issue and advised I would receive a response via email. 

Today XX/XX/year>, I called in to get an update only to be sent on a wild goose chase about mailing in documents. 

I have been through this process before and it was not pleasant. Going back and forth with regards to whether multiple mails I have sent have been received by Equifax. 

I am paying for a service and I expect to receive said service especially when Equifax is the one with the problem. If Equifax mishandles my personal information due to glitches in their system, I expect Equifax to take full responsibility especially after taking payments from me every month. 

Right after I hanged up the call, I signed into the account again and there was a complete block ( attached ) stating I should reach out to customer support which was already very unhelpful. 

Don't play games with me because I won't hesitate to sue Equifax for mishandling my personal sensitive data and for breaking my online account and not wanting to take full liability it.
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX  regarding the inaccurate reporting of my mortgage payments. I have discovered that the company has falsely reported three late payments on my account, which is negatively impacting my credit report. I wish to dispute these inaccuracies and request your assistance in resolving this matter. 
Specifically : 1. I made my mortgage payment for XX/XX/year>, on time, and it was successfully processed with the trace number XXXX. I have bank statements that reflect this timely payment, which I can provide upon request. 
2. The mortgage company has also falsely reported my XX/XX/XXXX payment as late, which is not true. I made this payment on time as well. 
3. Despite these on-time payments, XXXX XXXX has erroneously reported them as late to credit bureaus. 
4. Additionally, the company has falsely reported one other payment as late, although I believe all my payments have been made on time. 
In light of these inaccuracies, I am requesting the following actions : 1. That XXXX Cares immediately remove all incorrect late payment reports from my credit report, including but not limited to the false reports for XX/XX/XXXX and XX/XX/XXXX. 
2. That any late fees or penalties incorrectly applied to my account be credited back to me. 
3. That XXXX Cares conduct a thorough review of my account to identify and retract any other false late payment reports that may have been made to credit bureaus. 
4. That XXXX Cares provide written confirmation once these issues have been resolved. 
I have already contacted XXXX Cares directly about this matter, providing them with evidence of my on-time payments. However, I am seeking your intervention to ensure that this situation is resolved promptly and that my rights as a consumer are protected. 
It is crucial that my credit history accurately reflects my payment status. The current inaccuracies are causing undue harm to my credit score and could potentially impact my financial wellbeing. 
I would greatly appreciate your assistance in investigating this matter and ensuring that XXXX Cares takes the necessary corrective actions. Please keep me informed of any developments regarding this complaint. 
Thank you for your attention to this serious matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX
Product: Credit card

Although I wrote them the previous year closing this account, Barclays Corporation paid {$49.00}. for a subscription I no longer wanted and sent me a bill. I wrote them asking for an explanation. They started billing me large punitive fees without trying to resolve the issue. They are being punitive and vindictive in trying to ruin my credit stating I am a major credit risk. Their fees are over {$300.00}. Why was this mistake made in the first place?
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the following inaccurate and fraudulent accounts that have been reported on my credit file. I am not requesting a reinvestigation at this time, but rather a deletion of these accounts from my credit report. Failure to do so will result in my exercising my right to seek legal action and defend my rights in court, as provided under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. Below are the accounts in question : XXXX XXXX XXXX XXXX, Account # : XXXX, Balance : {$830.00} I have contacted the collection agency and filed a complaint with the CFPB, yet the agency has failed to respond. I question how your agency was able to verify this account. This account is fraudulent and must be removed immediately. 
XXXX. XXXX XXXX XXXX, Account # : XXXX, Amount : {$960.00} This is a medical account, and I have no knowledge of this debt. Reporting this account violates both the FDCPA and HIPAA regulations. Remove this immediately, as I will not file a third dispute. 
XXXX. XXXX, Account # : XXXX, Balance : {$20000.00} I have filed a complaint with the CFPB, and a lawsuit has been filed against the company. You claim to have verified this debt, but I have never received any documentation or proof. Remove this account from my credit report immediately. 
XXXX. XXXX, Account # : XXXX, Balance : XXXX XXXX This account violates 15 U.S.C. 1681i ( 7 ) ( Method of Verification ) as it was reported without valid documentation. I demand that this account be deleted immediately from my credit report. 
XXXX. XXXX, Account # : XXXX, Balance : {$1400.00} I have never owned a credit card with XXXXXXXX XXXX. If you can not provide proper documentation verifying the legitimacy of this account, it must be deleted immediately. 
Please ensure that these accounts are removed from my credit report and provide me with written confirmation once the deletions are complete. Failure to do so will result in further legal action. I trust that you will handle this matter with the seriousness it deserves to ensure compliance with the law.
Product: Debt collection

Robocalls from a debt collection scam up to 9 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am allowed under the XXXX law ( XXXX XXXX Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to vali-date it may be a violation of the Fair Credit Reporting Act, which can allow me to seek dam-ages from a collection agent.
Product: Credit card or prepaid card

I applied for credit and was denied, my denial letter is proof I was discriminated against. Navy Federal should recitify this affair and compensate me for the use of social security number. Otherwise this would be considered unauthorized use as I have received no benefit.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXXection 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX Balance : {$9600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Company reporting on my report but sold the account to 2 different companies and trans union have not did a good job at removing these fraudulent accounts off my report
Product: Debt collection

This debt does not belong to me. The amount of {$200.00} is not mine
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment of {$25.00} to my Capital One credit card account for the month of XX/XX/XXXX. I was later notified by email on XX/XX/XXXX that my payment had been returned. 

I made my payment with my XXXX debit card. I checked my XXXX account to see if my payment had been returned to my account and it hadn't come back. I checked my statement to see if the transaction was on it and there was no record of it, but it happened. Me and the credit card company have proof that the transaction did take place. 

Since this incident I have contacted the credit card company to try and find out the reason why my payment was returned, but I really didn't get a explanation of why it was returned.Then they asked me if I wanted to make another payment on my account, I told them no. 

Now I'm getting calls from the credit card company. They want me to bring my account out of collections, etc. They want me to make another payment and I refused because I don't know what happened to my previous payment. 

Until I know what is going on, I will not send them anymore money. The credit card company needs to explain to me what happened to my payment that they said was returned to me, but wasn't. 

To resolve the problem, I would appreciate if the credit card company would explain to me why my payment was returned and really reimburse me my money. 

I look forward to your reply and a resolution to my problem.