23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH MORTGAGE SERVICES XXXX XXXX XXXX XXXX. XXXX, NH XXXX Phone # XXXX I entered the CARES ACT forbearance XXXX related relief program which was XX/XX/XXXX. I was able to pay mortgage until XX/XX/XXXX. CARES ACT program begin to pay from XX/XX/XXXX, until XX/XX/XXXX, with extended do to XXXX issue from CARES ACT forbearance XXXX Extension. I was scheduled to start making regular payments on XX/XX/XXXX. When I received bill, it stated that I owed XXXX for XXXX, XXXX, XXXX and XXXX. I was only prepared to pay {$1100.00}. XX/XX/XXXX, which was confirm by PHH. PHH did not want any payment unless I paid 3 months back. I made sure this account was verified through CARE ACT forbearance XXXX program every 3 months and was approval by calling in and staying connected with PHH. So, when I called concerning this amount, they told me someone will be calling in 25 to 30 days later to solve issue. They finally gave me a trail period in XX/XX/XXXX. PHH said trail {$1100.00} payments are due for 3 month and no later than 30 days pass each month. I paid for XXXX and XXXX and PHH sent back payment for XXXX and said payment was not sent in and cancel trail period and sent monies back confusing I know. 
This company have been dragging me alone every 30 days saying that there are going to put me in a modification plan it's been 7 months. At this point no modification and no trail periods. NOW I owe over {$10000.00}. on my home. PHH have deceived me into this situation. Please help. 
NOTE : From XX/XX/XXXX, I have called in every 3 months to verify payment to be paid or approved to move into an account like a second mortgage will be held without penalties unto XXXX with no fees or penalties under the CARES ACT forbearance program. PHH have deceived me into this problem.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my account was closed and I was told to withdraw my assets. I attempted to do so, but each time the website gives me an error " XXXX verification required Before you will be able to complete this withdrawal, you must provide additional information ''. There is no way to provide the additional information. The link provided simply redirects me back to the account closure page. There is no way for me to withdraw my assets. 

Here is a history of the times I have contacted the firm to attempt to resolve my issue : XX/XX/2018 email Case # XXXX XX/XX/XXXX email Case # XXXX. 
XX/XX/XXXX call Case # XXXX XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email XX/XX/XXXX email Case # XXXX XX/XX/XXXX call. 

I received a response in most cases, and the response was the same each time. You apologized, said the case would be escalated to a specialist, and then failed to contact me or follow up in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I sent in documents for 2 accounts that were opened fraudulently in my name to be removed from my report, the accounts are ( XXXX XXXX XXXX XXXX ) XXXX and gentlebreeze.com. I have already spoken directly with the original creditor but the collection agencies showed proof that I was a victim of identity theft ( I have a fraud alert on my account ) are refusing to remove these accounts from my report. I also have an account with whom the original creditor cancelled their contract and still reported the account negatively, the account is ( diversified consultants ) XXXX. And the last account ( XXXX XXXX XXXX ) city of XXXX ... was paid in full and I sent a copy of my zero account balance but the collection agency refuses to remove the account from my report. These accounts have all been rectified but the creditors are refusing to update my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Account number - XXXX Date Open - XX/XX/XXXX High Credit - {$27000.00} Date of last Act - XX/XX/XXXX Status - Account sold / transfer After sending notice to ALL three credit reporting agencies : XXXX, Exquifax and XXXX - the account were remove due to the S.E.V.E.N year information reporting time that was under this particular account. Just recently, I FOUND OUT THAT MY INFORMATION WAS SOLD AND ANOTHER AGENCY has once again reported my information back on ALL three credit reporting agencies. This was off and completely off starting back in XX/XX/XXXX. After the security wrong doing of my information along with thousands and millions of others
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 items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had received a letter from XXXX XXXX and have been trying to contact them for a month now via email, phone and mail and request this information every attempt of contact, they have not gotten back to me but according to my mother call her excessively and disclosed information, Im not sure if that is true or not but what I do know to be true is I have been trying to come to an agreement and they are refusing. I understand XXXX XXXX is a receivership company meaning after failure for people to comply they can freeze bank accounts, however I have been trying to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX reported account # XXXX to a Credit Reporting Agency without my knowledge or permission. 

In accordance with the Fair Credit Reporting Act my rights were violated. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Credit reporting

I have sent Transunion a request to delete inquiries that are on my credit report and provide verification that this was me pulling my report. I spoke with XXXX and XXXX and neither one of these ladies helped me with the issue that I was having. I have already contacted the people who was pulling my credit report and sent them letters to verify that this was me giving them permission to pull my report. No one has responded back and provided the information that was requested. I have called and called and tried to file a dispute on these inquiries and they keep telling me I have to contact the company. Section 611 ( 5 ) ( A ) of the FCRA is that they are required to verify my claims and or delete all information that is not or can not be verified. I have waited and waited for the outcome and have not received anything since. The pulls that are in question are XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Mortgage

US Bank did not iniciate an Escrow Analysis since I requested several times to do so since XX/XX/XXXX. US Bank is unlawfully charging my escrow account for random charges including Appraisal when I'm not in forclosure or default and will not refund or cancel the appraisal, They have been charging unlawful charges to escrow in different amounts from what I can see on my account since XXXX, and will not let me see any bills from before XXXX to assess those. I have asked for a refund due to state law in vermont, : Only charges to escrow is insurance and taxes. US Bank has been charging excess fees, attorney fees, exterior inspections, dib fee?, and so on for the passed 2 years. They claim on such statement this is lawful and it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting one account twice and not paid this just happen XX/XX/XXXX after disputing the account. I called Equifax to discuss this matter but no one could help me. XXXX XXXX XXXX XXXX is being reported 2 times and the account is paid with only one account. I did not have two accounts with XXXX XXXX XXXX XXXX under that account number. 

XXXX XXXX XXXX XXXX ( both accounts ) Account number XXXX ( both account ) Amount :  XXXX ( both accounts ) but now 2 different opening dates with is not true. 
XX/XX/XXXX date open is correct for this account XXXX XX/XX/XXXX is wrong I opened account XXXX because I moved on this date This information is incorrect and the duplicate accounts is just wrong and this was done to hurt my credit.
Product: Mortgage

Lender had orchestrated an outcome I lost the property title as a collateral for the mortgage, but kept the obligation. If not required by lender it would not have happened. I would not grant title to anyone if not relieved from the Promissory Note. The " sale '' simply would not proceed. I expected and trusted this lender to be a safe process same as sale when escrow holds docs and swaps them at the right time. Perhaps lender wanted to forfeit all interest-only paid by now forcing refinance instead of assumption or its been other form of long term strategy. Lender kept dragging it for 3+ years  bouncing between departments without resolution. This would not go that far if in the beginning of XXXX they would simply approve modification or allow for short sale like with everyone else in this country. We have applied for help in the right order. The outcome is lender refused to transfer balances to the new owner and breached the assumability of the loan document. It bears some commonality for modification scam when I applied for it and more than a year later been directed to assumption package instead, and it required signing over the title to someone else. 

Main issue : Why lender encouraged us to perform an assumption instead of completing modification/short sale? 

Why lender did demand transfer of property title in order to file assumption package? 

Main damage : I cant sale now to pay off balances, because I am no longer on the title.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 {$870.00} Was taken out of my account not by me.
Product: Credit reporting or other personal consumer reports

I wrote XXXX, Equifax and XXXX on XX/XX/2023 and i have not gotten a response for accounts that they are reporting.The accounts are incorrect, inaccurate, charged off and out dated accounts can you help my situation
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.for these violations.
Product: Debt collection

I was told that my debt is from when I visited the ER, which at the time of the date in question I had insurance and since then I have switched insurance.
Product: Credit reporting or other personal consumer reports

I am not liable for this XXXX XXXX account. I have not signed or committed to any contract wit XXXX XXXX. Ive requested a copy of the contract and was told there isnt any contract signed by me. I stressed to XXXX and Experian That this account doesnt belong to be. All Im being told that it has been verified but havent received any proof of the verification, how it was verified and proof it belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions. This company XXXX has been known in the past to report wrong information as well as take advantage of consumers buying cars through them.
Product: Credit card or prepaid card

I received an email that I had changed my pin when I did not change the pin. I checked account and there were 2 different transfers into 2 different accounts that came out to over XXXX dollars. I contacted the way2go customer service and filed a claim. They sent me a letter denying that it was fraud. After spending hours trying to get someone on the phone, they said they would send me information why they didn't approve my claim, but never did. I spent another 2 days trying to get someone on the phone, which kept disconnecting with over 4 hours on hold. I am a single mom to XXXX kids, and I can't afford to give up regarding blatant fraud.
Product: Student loan

Made payments to Discover Student loans through electronic payment on XX/XX/2018, directly from my checking account to their account as I have been doing for the past 10 years. The payment of XXXX and XXXX  that have been withdrawn from my banking account are claimed to have not been received. These payments would pay off those loans. I have called their customer service multiple times always to get the same replies of it will take various amount of days to investigate, which every time I call I get a different response of 3 days, 5 days, and now they are telling me up to 14 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below are the credit inquires as reported by my credit monitoring service. Please remove these as I did not consent to them. 

XXXX XXXX/Personal XX/XX/XXXX TransUnion XXXX/XXXX  XXXX/Personal  XX/XX/XXXX TransUnion XXXX XXXX  Bank  XX/XX/XXXX TransUnion
Product: Student loan

I submitted a request for refunds of voluntary payments during the pandemic in XX/XX/2022. I was told during that initial request that it would take 90 business days. Since then, the timeline has been pushed back with no movement in the process. My loans are currently being serviced by Mohela but were originally serviced by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Complaint Department, XXXX, XXXX XXXX ] Re : Dispute of Credit Information due to Data Breach I am writing to dispute certain information on my credit report which I believe may have been compromised due to a recent data breach involving [ Name of the Company where data breach occurred, if known ]. I am requesting an investigation into the following Dispute : This account 's information have been exposed in the data breach, potentially leading to unauthorized access or fraudulent activities. I request verification of the account 's authenticity and review for any signs of fraud or inaccuracies. 
Dispute : Similarly, there is concern that this account 's data was compromised. Please investigate for unauthorized changes or activities post the data breach date. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has been reporting an account on my credit profile for a few years now. Since 2018 Ive been trying to receive debt verification from this company. They dont send physical proof of debt verification but continues to update to all reports as verified. How? This year alone, Ive mailed certified letters trying to get debt verification or deletion of account from all three credit bureaus. Ive used third party credit repair companies to contact Capital One ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). Ive emailed the CEO XXXX XXXX at two emails 1. XXXX and 2. XXXX. All attempts to contact Capital One have led to no response whatsoever to debt verification requests or deletion of this account to credit bureaus.
Product: Prepaid card

Received 2 Amex gift cards for {$100.00} each from my employer, tried using them at NUMEROUS online stores, including XXXX, XXXX, XXXX , tried putting the gift card into a XXXX account , and ALL transactions were declined. Called Amex Customer Support and was told NOTHING helpful, said " measures '' were put in place for MY safety (? ) and to prevent fraud (? ) and to try back in 24 hours. Same thing happened after 24 hours. IT IS BEING DECLINED EVERYWHERE INCLUDING PHYSICAL STORES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I used credit karma many times and applied for credit cards trying to build my credit with cards the showed my I had high chance of approvals and was denied multiple times because of inaccurate information. I would have never applied to these cards had I known I would of been denied and it hurt my credit score even more
Product: Credit reporting or other personal consumer reports

Virtuoso sourcing group is harassing me and constantly sending me a settlement proposals for a debt that does not belong to me. They are threatening to put this on my credit report and I had no knowledge this account even existed. This account was opened up at my address without my knowledge nor my consent. When I moved into this property this service was already on and I did not set up any security services at this address. I spoke with XXXX and they said they sold the debt to virtuoso sourcing group and could not do anything so I spoke to this company and let them know I was a victims of identity theft and they refused to close this account they refused to look into this matter any further so now here I am reporting this as identity and I refuse to pay this debt because it is not my debt nor my responsibility! Under the fair reporting credit act law 15 u.s.c 1681g and 15 u.s. 1681 ( a ) ( 4 )
Product: Bank account or service

PNC closed out my checking account back in XXXX of XXXX. They sent no letter or explanation as to why and took {$170000.00} of my money. As of Friday XXXX XXXX, XXXX there is a small balance in the account but it is still open and there is a hold on it. I want to know how a bank can get a way with this. Giving a customer no reason as to why they are closing the account by way of XXXX CLAIMS DEBIT. I called several times and asked for an explanation and never received anything. ( I have enclosed a copy of the last statement of the checking account showing the withdrawal. )
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to use out dated or incorrect data on my report which keeps my XXXX XXXX in the XXXX, When my XXXX and XXXX are in the XXXX This has kept My Scores from increasing there are accounts that have been deleted from other reporting agencies but TransUnion continues to report inaccurate information
Product: Debt collection

This company ( Choice Recovery ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$390.00} with XXXX, XXXX, and XXXX  credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Product: Credit card or prepaid card

On XX/XX/XXXX we flew from XXXX to XXXX XXXX. While on board XXXX  was advertising their XXXX XXXX. We were very specifically told that the {$99.00} annual fee was waived for the first year. The flight attendant told said " I do this promotion myself every year because you literally get XXXX miles for just buying a cup of coffee. I've since noticed that I was charged a {$99.00} fee and when attempting to contact them on XX/XX/XXXX I was told " After reviewing, our records do not show that the annual fee will be waived for the first year. '' On top of this, they linked the wrong frequent traveler account to the credit card and are telling me it will be another 1-2 months before I see the reward miles.
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Debt collection

XXXX is sending me letters in relation to TWO fraudulent loan accounts. I spoke with a representative from the ORIGINAL DEPBT OWNER of the account, XXXX XXXX They confirmed today that " THERE IS NO RECORD OF YOU AND ANY LOAN WITH US IN OUR SYSTEM. '' I asked the representative if there was anything dating back TEN YEARS. She said, " no, we do not have ANY record of you in our system at all. This happens often and we will be sending you a letter stating such. '' I am angry that XXXX is attempting to collect on something they know is fraudulent and why now? Where did they BUY the information and think it was valid? What system has given XXXX the power to harass consumers? Threatening letters, offers to settle, threats to post negative information on one 's credit report, who gave them the power to be jerks?!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING CREDIT INQUIRIES BELOW WERE UNAUTHORIZED AND SHOULD BE REMOVED IMMEDIATELY. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX