23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH has effectively kept us from obtaining a loan modification, for which our mortgage loan qualifies. We had always made our mortgage payments on time every month, but when I suffered an unforeseeable job loss, we saw that it was going to be impossible to stay current with our payments. We proactively contacted their Loss Mitigation Department, but were told there was nothing they could do because our loan was current. One of their representatives advised us to miss some mortgage payments and then they would be able to help us. Twice our loan was reviewed for workout options, but we were denied due to lack of sufficient income. Then we were given a forbearance agreement which we accepted and started making the payments. Unfortunately, Hurricane Irma came through and wrecked our home. We were forced to make repairs to ensure the home was livable and could not afford the mortgage payments. Our case manager from PHH told us that even though there was disaster relief allowed for missing mortgage payments, we still had to make our forbearance payments on time. 
This was impossible and we had to stop making payments. We tried again for assistance, but were told that the could no longer review our mortgage for assistance options and we were shut out of help. Then we had to take matters into our own hands and the State of Florida approved us for the Hardest Hit Fund, but PHH rejected those funds because it did not cover the entire past due amount. However, we had the excess money to pay the deficiency, but the PHH representatives refused the money. This has left us high and dry and we are extremely upset and frustrated with PHH. They are sending our loan through the foreclosure process and we need help to keep our home. We are really hoping that you can help us.
Product: Money transfer, virtual currency, or money service

Zelle, money was accidentally sent to wrong person about 2 years ago before warning was available
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services, LLC, 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  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputing wrongful credit reporting on my credit report Reporting debt as closed when it was paid it in full. 


Dear Equifax, XXXX, XXXX. 

I am writing to request the investigation and correction of XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was paid in full as of XXXX/XXXX/XXXX The following account is reported as Closed on my credit bureau report XXXX 

This has negatively impacted and affected my credit score which you dropped XXXXXXXX XXXX from my credit score, because of your reporting. 



I am writing you to dispute this error of reporting my account with XXXX XXXX XXXX XXXX. 

This account should reflect Paid in full ( Not Closed ) Please reverse the negative XXXX XXXX, and add XXXX XXXX back to my score this account was paid off early NOT CLOSED. 

I have enclosed additional documentation to support my claim, Please note, I am a valued customer of XXXX XXXX XXXX XXXX. 

Review enclosed letter from XXXX XXXX XXXX XXXX stating that my account was PAID IN FULL XX/XX/XXXX. 


Please let me know how long this will take you to reverse this error. 
I thank you for your assistance and look forward to hearing back from you. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery is 100 % re-aging a very old debt in violation of Federal Law and they're continually reporting this to all credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX does not appear to have appropriate procedures in place that provide updated balance information to credit agencies in a timely manner. I spoke to the them in early XXXX to request that they update my balance information which had last been updated in XXXX. They described very vaguely that information is updated around the second week of every month. I said well clearly mine was missed for XXXX then from your process and please can you look into this. The conversation went nowhere. I'd say this conversation was around XX/XX/XXXX ( I could find exact date if needed ). I also informed that and they had in their files a $ XXXX payment I had made on XX/XX/XXXX ( leaving a very minimal balance of $ XXXX that I later paid off on XX/XX/XXXX. At some point in later XXXX my credit reports were updated with balance information as of XX/XX/XXXX. This is both inconsistent with what they described and appears very odd that they would report that balance ( just prior to the XXXX payment they confirmed they received ). Almost as if was done out of spite. I took no further action and waited for them to report updated balance 1 month later that account is paid in full. Nothing has been updated again on my credit report. I have reached out to them again. Every other lender / credit card company / etc appears to report consistently on a monthly basis. I do not know all the regulatory requirements, but XXXX is clearly putting people, such as myself, in difficult situations when they fail to timely report information to credit agency. I am in the process of acquiring a new home. I'm sure I'm not the only one that is being impact by this. They are not receptive to my feedback.
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.

Account Name : XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXXXXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX/XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - XXXX OPENED XX/XX/XXXX Account Name : XXXX  XXXX  XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - XXXX XXXX XX/XX/XXXX Account Name : XXXX # XXXX - DATE XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - XXXX OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

In XXXX 2014 I attempted to obtain a verification of this debt that was reported on my credit report. They responded that they atempted to send me notice, albeit I never received any such notice. I offered them my current address to further substantiate the debt they say I owe. To date, I never received any further corrospondance and when I called them today to follow up, I was told that the account is in " dispute ''. Well, it has been in dispute since XXXX 2014. They state I owe {$2900.00} which I was informed is inflated due to interest however when I asked what interest they could not verify the charges, just that it has been 5 years worth. Per the FDCPA, i am entitled to know what charges I owe. LVNV has concluded they have complied with the FDCPA 's regulations however just saying that they have is not proof of their due diligence to satisfy my request. I am once again requesting proof of the calculations supporting the debt amount, The original creditors contract with my signature or a certified copy and a letter of assignment of my debt from the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX did knowingly and unlawfully permit a negative item resulting from civil-rights violations to remain on my creditreport. Although my XX/XX/2022 complaint two-day investigation into and the process to disclose a complete factual background into the illegitimacy of the debt were too short to fully account for the creditor 's offenses, XXXX rejected the notion that crime does not pay. Having previously seen XXXX validate similar misconduct -- keeping fraudulent items on my creditreport, as if accuracy could ever legalize a debt generated by a creditor 's wrongdoings -- XXXX mistakes accuracy for legality, making the creditreporting agency complicit in the financial terrorism arising from violation of XXXX XXXX  and federal law. That the debt could have been generated, in the firstplace, places XXXXXXXX XXXX XXXX XXXX at-fault for the debt. XXXX XXXX is negligent in the performance of its duties to its masters, the People of the State XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter about inaccurate & false reporting things on my credit report. it has been over 45 days an I havent received a response yet.I feel like Im being taken advantage of and ignore of my disputes. Section 611A it is plainly stated that a failure to completely investigate these items with in 30 days gives a reason to Immediately remove these accounts from my credit report.it has been over 45 days so they should be deleted Promptly.I demanded that these accounts be deleted immediately or I will file for Litigation do to the stress youve caused me my information was also impacted by the equifax data breach and might have gotten into the hands of the wrong person
Product: Debt collection

Received a letter from collections that I owe {$28.00} for a medical bill from XX/XX/2018. In fact this bill was paid on XX/XX/18. I called multiple times and explained that I paid this bill in full.
Product: Mortgage

On XXXX XXXX, 2015, my wife and I applied for a Home Equity Line of Credit with the local ( XXXX, GA ) branch of Wells Fargo Bank. The application was sent to Wells Fargo 's central loan office for processing and a XXXX XXXX was assigned as our loan officer.. 
On XXXX XXXX, we received an email from XXXX XXXX informing us that our application was declined and that we would receive a letter explaining this decision within 10 - 14 days. 
As of XXXX XXXX, 2015 we have received no such letter or explanation. 
In addition to being a violation of the Fair Credit Reporting Act, the lack of any explanation places us in a difficult position since we would like to apply to another financial institution for a HELOC but are reluctant to do so until we know why our first application was declined so that we can take corrective action.
Product: Bank account or service

My card was lost and there were fraudulent charges. They did a temp refund while they " investigated '' 3 days later I receive a letter saying they are reversing the refund. And are saying I owe {$250.00}. The charges were not made from me. The rep advised there was no need to file a police report as the only thing missing was the card and they had issued a new card.
Product: Debt collection

On XX/XX/XXXX, I was admitted to XXXX XXXX Hospital. After I was discharged, I completed the Financial Assistance Application. After reviewing the information, the hospital determined that I qualify for 100 % financial assistance for the time period beginning XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX. 

A representative from the hospital 's Customer Solutions Center instructed me to fax or email the award letter to any physician that sends me a bill and it should be honored. That includes XXXX, XXXX, XXXX, Emergency Room Physicians, XXXX XXXX, and my private physician. 

All account balances were adjusted to a XXXX  balance except XXXX XXXX XXXX. I've contacted the company multiple times and they refuse to act in good faith by honoring the award letter. I tried contacting them again this year but the phone number is no longer in service. 

On XX/XX/XXXX, I requested a copy of my credit report from XXXX and discovered that Collection Service of Athens is reporting an amount owed {$290.00} with a balance date of XX/XX/XXXX. I sent XXXX  a certified letter including supporting documents disputing the amount of the debt XX/XX/XXXX, however, the credit reporting agency never responded. There's a comment on my credit file that states " Consumer disputes this account information Medical ''
Product: Credit card

I order a product from XXXX XXXX product was not what I ordered, so I returned products and there was a return slip in the packaging it was originally delivered in. I sent product back to the address listed on that return slip. Product never made it to XXXX. I provided picture of XXXX tracking slip showing it was delivered, apparently the return slip was a fraudulent package slip, as XXXX has no record of product being return. I filed dispute with my credit merchant on multiple occasions since XX/XX/year>, and have been provided re-assurance that this matter was taken care of but after a 90 day cycle of dispute review they through the charge back on to my card. I have done this now about 4-5 different times since XX/XX/scrub> XXXX XXXX
Product: Credit card or prepaid card

I have disputed the charges in question with the company and they are currently open claims. My issue is that they will not provisionally credit the account pending investigation. The terms state that in order to qualify for a provisional credit certain criteria must be met, one of those being " If you were billed the wrong amount ''. I notified customer service immediately, while the transactions were still showing as pending, and was told to come back once they posted, which I did. They did not post on the same date so I had to file separate claims. I was told it would take up to 90 days to resolve and just assumed that regulation E would be followed as I was incorrectly billed. I also provided the documentation showing my attempt to get the situation resolved without filing a dispute, but could not get a response from the merchant. It has been more than 10 business days since the disputes were opened and I have not heard anything from the card issuer or the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX has reported missed payments XX/XX/2017 and XX/XX/2017 despite asking for the inaccuracies to be fixed. It is affecting my scores and quality of life. The credit reporting agencies have been contacted with no response.
Product: Mortgage

I was supposed to get my disbursement funds on XX/XX/2019, according to the contracted paperwork signed by everyone involved. As of close of business XX/XX/2019 I had not received my disbursement funds to my bank account via wire transfer. Friday afternoon I did call XXXX XXXX? and USAA and My Bank to find out where my funds were at? They all blamed each other. XXXX XXXX  had my money, but blamed USAA for the late delivery, USAA blamed XXXX XXXX because they had the money, XXXX XXXX blamed XXXX Bank because they had " special needs '' wire transfer. I vocallay argued with USAA the fact that XXXX XXXX wanted to hold my funds for the weekend and this should be illegal. They said it is, but I told them, " I bet you I don't see my funds until Monday morning because they want the interest off the of it '' and that's exactly what happened. Monday morning boom ... there is my cash in my account. Magic. Also ... the lack of information from USAA to the consumer are astounding. I still have to idea about my escrow accounts. One of the loan officers I dealt with stated that I did not pay closing costs, they were rolled into the refinance. That means I am paying for them. I'm at a loss right now with USAA/XXXX XXXX and whoever else was involved ...
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXXXXXX XXXX XXXX XXXXe, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Debt collection

i was being repeatedly called by discover financial to pay my credit card and in addition to that my personal information was shared with out my consent by this company and i did not appreciate that. My credit score took a dive because of this and i did not know i could dispute and contest this.
Product: Debt collection

I've told AMR to quit calling, specifically the number they had listed. I have TWO work phone numbers, one which is specifically used for my work agency employees and patients ONLY. I do NOT give this phone number out to people. I could imagine that they've taken this number off of a recent car loan application and began calling it. They shouldn't have it to begin with and should not be calling it as it is specifically listed as a WORK NUMBER. This is the second time they've done this after I've told them to STOP CALLING ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for EQUIFAX, I sent them a letter regarding the inaccuracies in my report such as amounts reported like the balance, date opened, date reported, payment status, etc. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block.Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFTREPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information being reported on my credit reports. There is a discrepancy on my credit reports, as I have two different electricity companies reporting to collections. One is in the state of Texas, while the other is in the state of Mississippi. There is no way I could have services in both states at the same time. XXXX XXXX XXXX XXXX XXXX are both stating that I opened services on XX/XX/2020. This is impossible.
Product: Credit card

I had learned that the credit card is increasing their annual cost but in return they would provide a quarterly {$50.00} credit based on me making an eligible purchase charged directly with a hotel within the XXXX portfolio, including bookings and incidental charges. I read through the terms and did not see any exclusions that would apply to me making a charge to book a hotel directly with hilton.com. 

I booked a hotel on XXXX on XX/XX/2023 to be eligible for the last quarterly credit of {$50.00}. It was for a total of {$500.00} and the credit card memo says " XXXX XXXX XXXX PURCHASE ''. 

I noticed I saw no sign of the purchase qualifying me for the benefit, so I reached out to American Express chat support to see why. They claimed it was ineligible because it was an advance purchase. They sent me the terms and I didn't see any mention of there being an exclusion for advance purchases. I asked the support person where it said this and they merely copy and pasted something from the terms that made no mention of purchases made in advance. 

Here are the terms they linked to in my conversation with them : XXXX XXXX XXXX