23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my home through XXXX XXXX  XXXX based in XXXX XXXX, Nevada about 2 months ago. I signed the deal of {$310000.00} with XXXX XXXX XXXX XXXX XXXX based in XXXX, Nevada on XX/XX/2021. However, after about Two months of my deal, my previous mortgage company which is PHH Mortgage didn't close my account and keep sending me a monthly payment bills and additional letters that indicates " short payoff issue ''. I called both PHH Mortgage and XXXX XXXX about the issue several times but, the problem is still not solved. Lastly, I have got a waring letter from PHH Mortgage which indicates that " ... To cure the default, the full amount of the default on this account must be paid by the XXXX day from the date of this letter which is XX/XX/2021. Failure to cure the default on or before this date may result in the acceleration of the sums secured by the security instrument and sale of the property... .. '' Now, after I have got this letter, I am afraid of losing my home without any wrong doing in my part and I am suffering from not slipping well. My continuous calls to the above mentioned companies doesn't bring any solutions instead wasting all my time. 

XXXX XXXX responded to the issue as follows : - Company 's Response XX/XX/2021 CONSUMER FINANCIAL PROTECTION BUREAU Reference : CFPB Complaint Case Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX is in receipt of XXXX XXXX complaint and inquiry regarding a recent refinance where Mr. XXXX lender , PHH Bank XXXX has not applied the wire that was sent to pay the loan in full. On XX/XX/XXXX, XXXX XXXX XXXX closed the refinance of XXXX XXXX property and sent, via a wire transfer, a payoff to PHH bank based on their payoff statement. According to the PHH payoff statement, the payoff was good through XX/XX/XXXX and the amount that was sent to PHH on XX/XX/XXXX had an amount slightly higher than the payoff demand to cover an additional day of interest. On or around XX/XX/XXXX, PHH returned the payoff wire claiming that the funds submitted were not sufficient. The very next day on XX/XX/XXXX, another wire was sent to PHH to pay the loan in full. XXXX XXXX XXXX followed the instructions and payoff amount that was submitted from PHH. When PHH returned the payoff wireXXXX XXXX XXXXXXXX XXXX took immediate action and worked with PHH to get XXXX XXXX loan paid in full. PHH has been in receipt of the payoff wire since XX/XX/XXXX and XXXX XXXX XXXX has not been notified that the loan has not been paid in full. As XXXX XXXX XXXX has submitted the payoff wire to PHH, there is no additional action that XXXX XXXX XXXX can take in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX XXXX internet to be installed. They do a credit check in order to ensure the customer would be of no concerns. That's no problem I understand that. Yet, when I receive the letter from XXXX XXXX XXXX stating my credit score is XXXX when in fact I know it is not its way too low. I looked into the credit agency where they have been known to lower your credit score by 200 points! Sagestream was, therefore, stating my score is XXXX when in fact XXXX  says it's XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX keep putting information on Equifax, XXXX  and XXXX  stating I have accounts in collection. I have even gotten letters and called them and they confirmed I have no debt with them. Now they have reported to all three credit bureaus I have collection accounts and I have not communicated with them since the last letter received months ago. 

This is causing my credit score to drop and shows damaging information on collections I do not have.
Product: Credit reporting or other personal consumer reports

On XX/XX/23, I sent a letter regarding inaccurate and unknown things in my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I am being taken advantage of as well as being ignored in my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report since it has been over 45 days, this should be deleted promptly. I demand that these accounts be deleted immediately, or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I've sent several certified letters ( three letters ) to Transunion, the last one to include FTC report about four ( 4 ) XXXX  XXXX accounts that were fraudulently created. First, Transunion claimed there was a backlog issue and the letter I sent in XXXX, wasn't received until late XXXX. I've been calling Transunion and each time I speak with a representative, they have been extremely rude without any consideration of what I've been dealing with trying to remove these accounts. 

On XX/XX/2024, Transunion sent me a report ( report # XXXX ) stating they would remove five ( 5 ) inquiries - one of which was a XXXX XXXX account. The rude rep today told me they couldn't remove it because I had a XXXX account. I explained to her it was fraudulently obtained - without my consent.
Product: Debt collection

I 've been disputing a derogatory account on my credit file and I wrote to the company after they validated the debt and asked for proof of the debt being mine ( signed agreement with this company ) on XX/XX/2017. On XX/XX/2017 I received my XXXX credit report stating that the account ( s ) had been updated ; however I did n't see where any major information had changed. I called XXXX and the representative told me that they just updated the origination date. However, the company never provided any documentation validating this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX
Product: Vehicle loan or lease

Did a title load with XXXX XXXX alone parent company TMX LLC was too I will be receiving restitution because the company was based in XXXX  and I live in XXXX  and it was illegal to do business with people who live in XXXX  as far as title loans
Product: Money transfer, virtual currency, or money service

I send money with fee XXXX for express Why today take so long time to receive
Product: Credit reporting, credit repair services, or other personal consumer reports

I had the issue resolved and XXXX XXXX from XXXX XXXX XXXX investigated and removed the negative marks on my credit and I have letter confirming and it was removed. Now I see this month it is back negative on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit Management LP d/b/a XXXX XXXX I returned my cable box to XXXX when I cancelled my service with them, and they charged me {$82.00} for this box. I was able to dispute the bill and have it removed from XXXX   and XXXX, but it is still showing on my XXXX credit report, and I can not get them to remove it. When I disputed it with XXXX, the response was that it is valid - completely different than the XXXX and XXXX credit responses. I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently awaiting a loan modification and as of XX/XX/2022 my credit report shows Im 120 days late on my mortgage payment, when Im fact Ive been told by company representatives not to make any payments until the modification has been completed. Also my loan is now with a different servicing company effective as of XXXX XXXX. I have sent proof to Mr.Cooper. This has affected my credit report by dropping my score XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several requests to XXXX, Transunion and XXXX  for them to report the correct information. They are reporting my name incorrectly and reporting addresses that do not belong to me. The following information is repoting incorrectly. 

XXXX  has my name as XXXX XXXX my name is XXXX XXXX I am a man not a woman. 

XXXX  - XXXX XXXX XXXX my name is XXXX XXXX XXXX Addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Transunion - XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX my name is spelled XXXX XXXX XXXX Addresses that do not belong to me : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The only infomation that should be reporting is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Checking or savings account

On XX/XX/year> I noticed an XXXX charge of {$14.00} I did not make and requested a replacement card followed by making a claim. I also noticed checking back a few more transactions I did not make and on XXXX XXXX Chime sent an email saying there was no error and I would not be funded back. With the holidays happening I was unable to follow up on this. Then I noticed another charge on XXXX XXXX for another charge of {$10.00} from XXXX which I called the same day to report but was just told it was a pending amount and all they could do was replace my card ( that I had just had replaced from the previous transaction I made a claim on ) and wait until it posted in the account. I was now concern for this recurring transactions with XXXX when I do not have the email I have associated with Chime in my account with XXXX. I called to make a dispute and mention both transactions and was advised the claim would be investigated only to receive an email a few minutes later for the first amount mentioned to be denied once again. I called them back and they just advised me I would have to provide documentation like me showing proof I was at work the day of the transaction to show I in fact did not use an XXXX ride. I refused as I dont understand why I need to provide this information. Keep in mind I dont work because I am already retired and receive my social security check this account every month and also have my own vehicle. I asked them if there was a breach on my information on their behalf because I didnt even use the second card as my last transaction was 3 days prior to the second incident with the new card I had barely received and was advised they could not check if that was the case. It just all seems very fishy to me now and Im concerned by personal information was breached
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Re : Request for removal of Unauthorized Addresses PLEASE EXPLAIN TO ME WHAT IS HAPPENING?!?! I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION TO BE IN ERROR. 

XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Notice, it is a fact, that the affiant is aware, that this INACCURATE, ERRONEOUS, OBSELETE INFORMATION is unauthorized and has been furnished without my consent. There was no permissible purpose and is a violation of 15 U.S. Code 1681b ( c ) ( 1 ) ( A ) The following information below is the only information that is correct and accurate and is not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

MY CORRECT INFORMATION IS AS FOLLOWS : My correct name is XXXX XXXX My correct address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX My correct birthdate is Date of Birth : XX/XX/XXXX I do not want my employer listed! 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and address that should not appear in my credit file. With the amount of identity theft happening now, I am concerned that someone could mistakenly identify me as someone else, even a person with a similar name to mine. Therefore, I am asking that you correct this information by removing any incorrect names and addresses and leaving only my correct name on my file, as stated above. 

I HAVE PROVIDED MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD AND THEY HAVE ALL BEEN LEGALLY NOTARIZED TO VERIFY MY IDENTITY AND CURRENT ADDRESS. PLEASE NOTIFY ANY CREDITORS WHO MAY BE REPORTING ANY UNAUTHORIZED PAST ACCOUNTS THAT ARE NOT IN CONNECTION WITH THE MENTIONED INFORMATION PROVIDED. 

Please CORRECT the information PER MY REQUEST and REMOVE THE INACCURATE FROM MY CREDIT REPORT AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT TO THE ABOVE ADDRESS IMMEDIATELY!!! 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

THANK YOU Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit card

Bought a XXXX phone system for {$85.00} at XXXX online on XX/XX/year> and paid with Citi Costco Visa XXXX XXXX. I returned the said phone on XX/XX/year> to XXXX. I called XXXX on XX/XX/year> XXXX on XX/XX/year> to ascertain the status of the refund in the amount of {$85.00}. Subsequently, I called Citi and started a dispute on or about XX/XX/year>. Citi issued a conditional credit for {$85.00}. However, as of XX/XX/year>, I haven't received the {$85.00} refund from XXXX. XXXX emailed me on XX/XX/year> stating the " refund is on the way. '' Attached are supporting documents that show I returned the XXXX phone system and XXXX acknowledged this and the {$85.00} refund will be issued.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to UNITED WHSLE MORT XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following 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
Product: Credit reporting or other personal consumer reports

Absurd that experian has closed 9 complaints before XXXX XXXX  with 7 different explanations WITH ONLY ONE PROBLEM this predatory company is stalling but it's about to get costly
Product: Bank account or service

I have a checking account with wells Fargo that was in the negative for 6 weeks after I continually asked Wells Fargo to refund some of the NSF charges that they charged me, which was XXXX. They refunded XXXX, I expressed me begin a valued customer and I am interested in bring my account in the positive could they refund XXXX more fee. I had originally asked for XXXX, but they only refunded XXXX. So I continually asked for XXXX more. They said no. After my account being in the negative 6 week. They took money from my other checking account without my authorization to clear the negative balance in the other checking account I have with them. The complaints I have is that Wells Fargo was not welling to refund XXXX more fee, which financially would have made me able to settle the negative amount. The other complaint is they took money from my account without my authorization.
Product: Credit card

On XXXX a transaction of {$7.00} was recorded on my account and on XXXX a transactions of {$68.00} was made on my account. On XXXX I asked cred.ai for all information about the merchant demanding these funds.I asked for purchase agreement and or item description and delivery dates of the items .cred.ai only provided the phone number of the merchant.I myself have tried to contact this merchant by phone and the number is disconnected I tried contacting them by email and can not. Then on several occasions have tried to contact cred.ai and inform them of this with several phone calls and emails to resolve this matter.let them know I did not make, authorize or purchase any type of item or service from this merchant or vendor
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an un-authorized HARD INQUIRY to my credit report, I highly suggest you remove it ASAP. 

On XX/XX/19, I called XXXX XXXX over the phone to switch phone plans. I was told I had to Submit a SOFT INQUIRY to verify my identity just as insurance companies do. Minutes later, I received a HARD INQUIRY alert on my credit monitoring app that's shows XXXX XXXX have placed a hard inquiry on my credit report. I asked to speak with a manager on duty and i was informed by the XXXX XXXX manager, the hard inquiry will only last on my credit report for less than 30 days than it will automatically be removed. I DEMAND THIS INQUIRY BE REMOVED ASAP! THIS IS NOT A DISPUTE TO VERIFY IDENTITY. I AM REQUESTING IT TO BE REMOVED DUE TO POOR EXPLANATION BY XXXX XXXX STAFF! 

PLEASE REMOVE INQUIRY FROM XX/XX/19 FROM MY CREDIT REPORT!
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were accessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This issue appears to be consistent with recent findings by the CFPB which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )