23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

TO : XXXX XXXX XXXX & Planet Home Lending LLCCC : ConsumerFinancial Protection Board RE : XXXX # XXXX / Planet Home Loan # XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXBorrowerName : XXXX XXXX XXXX I refinanced my Chase mortgage with XXXX XXXX.At the time of signing my loan docs, I set up auto pay with XXXX from my Chasechecking account.As my first payment ( XX/XX/XXXX ) got near I contacted XXXX to find out if the Auto Pay was set up so I would not have to mail in a check.After many attempts, I was assured it would be fine but come XX/XX/XXXX the payment was not withdrawn.I immediately contacted XXXX and they said it was fine. It would just take a few days to show up in my bankaccount.I again contacted XXXX who said not to worry, just be patient, it will clear.Finally, on XX/XX/XXXX the auto pay hit my XXXX account for {$2900.00} ( ID # XXXX ) and I figured- ok, they finally got it right - problem solved. 
WRONG - problem just begun. 
On XX/XX/XXXX I got a letter from XXXX XXXX : NOTICE OF SERVICING TRANSFER - The letter was dated XX/XX/XXXX! and informed me to send all payments due on XX/XX/XXXX and after to Planet Home Lending - this is some 2 weeks AFTER my payment was due and obviously after it was PAID.The letter also stated XXXX will stop accepting payments after XX/XX/XXXX ( a lie, XXXX XXXX did an ACH debit on XX/XX/XXXX as noted above ) .The letter went on to say " if your payments are automaticallydeducted from your checking account, XXXX  will discontinue this service as of XX/XX/XXXX '' - again a LIE, they did charge me and again this letter was written a week+ after this deadline. 
As for the folks at Planet Home Lending, they are no better, perhap worse.They sent me a letter ( to the wrong address ) dated XX/XX/XXXX ( from CT!! ) " IMPORTANTLEGAL NOTICE '' that as of XX/XX/XXXX XXXX be transferred to Planet Home lending - Again the transfer was WEEKS ago! 
I called XXXX on XX/XX/XXXX and first corrected their mistaken mailing address. Then I asked about the status of the XXXX payment- they showed no payment made and that I would have to contact XXXX. They could not help, had no records etc. The rep I spoke to struggled to speak English and could see nothing in my file. 
I did send in the auto payform to Planet yesterday but I have little faith they will receiveand process it in time for my XXXX payment AND since they are unaware of my XXXX payment having been made- they will likely incorrectly apply it to my XXXX balance and try to charge me a late fee. 
I am filing this complaint with the CFPB as I have zero faith that either of these entities, XXXX or Planet, will correct all of theircompounding failings. 
Please respond ASAP, before we reach XXXX and it gets even more screwed up. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
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 process 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 have financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Bay View Loan services is my mortgage company. They have not paid my property taxes and now my taxes are up for sale as of XX/XX/XXXX. I called the company several times and its not being resolved. I obviously do not have the money to pay these taxes because they have it. I am not sure what to do next.
Product: Debt collection

Received a call from rude person XX/XX/XXXX stating he was trying to serve me a summons. Informed him I was in Florida and would be back in office Monday if he'd like to serve it there. I am EASY to find - XXXX my name - my business address is everywhere. 

XX/XX/XXXX a XXXX XXXX from " XXXX XXXX XXXX '' called my cell phone, my office, my brother, his wife, my ex-wife and informed everyone I am being sued and they better tell him where I am. 

When I received the message he called, I called back immediately - I was transferred to " litigation '' where the person YELLED that I better pay my debt and he is suing me on behalf of Chase bank. 

The only information he provided was it was a credit card opened in XX/XX/XXXX, my last payment was in XX/XX/XXXX, and Chase charged off the debt in XX/XX/XXXX. I informed him California has a 4 year statute of limitations on collection, and would be happy to receive a summons to defend myself. He then began yelling that " you are being sued '' and " you just got served ''. 

I am an easy person to find, and there is no need for a debt collector to contact people and inform them I have an outstanding debt - he was very rude to them too. I have asked everyone to hold on to the voicemails.
Product: Credit card

XXXX Small charges made to credit card by unknown firm then XXXX $ XXXX charges from same source. I filed a complaint and and asked if there was another name behind the initial the XXXX charges. The bank could not answer that question so they asked me to call the phone # which no one answered so I searched the XXXX # and found it number used by scammers and originated in XXXX. Then another XXXX charges appeared on the credit card and I restated I didn't know any firm by the name charging my credit card. I then received email " Cancellation Notification '' from another source by a different name that stated my subscription status has been recently updated and any ongoing or all future charge have been cancelled as per your request. '' Must have received sample back and notice product wasn't wanted. 

Bank sending payment requests while I sent all the info and no response to certified letter with document and emails telling them they had data /documents to review. I notice on my phone XXXX XXXX XXXX has been calling XXXX times a day but not leaving a message on the answering machine also have received several statement past due notices. In XXXX email I notified the bank I owe nothing but they owe me about {$450.00} to cancel all the charges plus the {$200.00} payment I made while waiting on their response to my correspondence. I consider the bank to be partaking in credit card fraud by not properly investigating the fraud claim and intend to file a XXXX  XXXX with the FBI with a criminal charge complaint of actively participating in a fraud scam. Not enough room to detail the XXXX page letter sent the bank with pages of documentation.
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 am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information TransUnion.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

To whom it may concern I was XXXX XXXX military doing loan terms and requesting Louisiana Servicemembers Relief Act benefits ( SCRA for the state of Louisiana ). Try to resolve issue my self to no progress. I was told by my JAG to file a complaint. I was a customer for numerous years of Armed forces loans with interest rates above 6 %. I was stationed in XXXX XXXX, La from XXXX to XXXX then again from XXXX to XXXX.Any help with receiving my benefits would be greatly appreciated. I have been awarded the Louisiana SCRA by several other agencies already. Armed forces loans will not comply. See Louisiana interest rate law below.interest was charge but was not noted on any of my statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDUCATION ACCT # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION # XXXX, US DEPT OF EDUCATION XXXX XXXX, US DEPT OF EDUCATION # XXXX. 

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

15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information.

15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report.

15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.
Product: Debt collection

I had XXXX XXXX, canceled my account, and returned their equipment to them and they still charged me and sent me to collections. 

Collections : Credit Collection Serv Acct # XXXX in the amount of {$400.00}
Product: Money transfer, virtual currency, or money service

each time i went to zelle they charge me and i cant not send over XXXX $ i have to split thr zelle in XXXX payment or wait another day to send the rest or system not available or payment failed even though i had money
Product: Debt collection

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors.

See the attached copy of my credit report ; the errors have been highlighted.

Here as follows are items in error : I XXXX XXXX do not have Capital One credit card, I pulled my credit report and see that I have a capital one card under my SSN and thats wrong.

Please that this off my report.

I HAVE NOT SUPPLIED PROOF UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.
Product: Credit reporting

I paid XXXX doctor 's bills for services rendered and after the payments were received the doctors office/health group changed their processing company and lost record of my payment. They then reported me to a collection agency as unpaid and my credit score has gone down significantly. The collection agency has given me XXXX amount that was owed ( {$170.00} ), while the doctors office and the medical billing have given me XXXX different amounts each ( {$140.00}, {$120.00}, {$40.00} and {$340.00} ....??? ). I 'm still not clear the original amount owed. I have called the collection company and the medical billing, as well as the medical office and my insurance to make it clear I had already paid. When I finally got a hold of someone who can actually help ( which takes hours! ) they admitted the mistake and said it was an easy fix. The first time I was told this was XX/XX/2015. Since then nothing has been done. I called again spending hours trying to track down the correct person to speak to and again was told they saw the notes on the account and it 's an easy fix, they said they would update the investigation and expedite it. That was 5 months ago and the delinquent marks are still on my credit report as unpaid. I 've spent a lot of time and energy being mindful of my credit, I do not appreciate these people admitting the mistake but doing nothing about it. I do n't know what else to do and I need your help. I 've attached the checks that were paid to both medical groups as well as the check to pay the doctor directly. This is on top of the {$100.00} I paid in the office upon check out for a total of {$290.00}. I do not think my credit score should suffer due to these mistakes which I have no control over. Where do I go from here? 
Thank you
Product: Credit card or prepaid card

There was a credit account opened in my name without my permission or consent. It appears this is the second time this has happened. I live in XXXX XXXX and someone at my previous address has my information and is using it to open credit accounts.
Product: Checking or savings account

Several days before the deadline I had attempted to submit my application and was running into technical issues. Every time I would hit my submit application button I would get a spinning wheel letting me know the submission was completely but it would never take me to a completion page. 

I received marketing on the XXXX, XXXX, and XXXX of XXXX to complete my application and every time I tried to, I couldn't get it to complete. 

As a last resort I contact Simple via XXXX and let them know that I was having them problem. I contacted Simple via XXXX  at XXXX CST on XX/XX/15 and they were aware of the issue because they had a concise answer and recommended I remove or disable any browser extensions, which they responded an hour later ( XXXX CST ). Once I turned off my popup blocker, my application was submitted and approved instantly. 

The problem I realized today was due to this technical difficulty that Simple was aware of I had not met the time deadline for the promotion although I had met all of the other requirements.I think a fair resolution would be to give me the {$400.00} for the promotion I had signed up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I contacted Equifax, XXXX, And XXXX Regarding my viewing my credit report, and seeing some inaccurate and false info on my credit report. It has now been over 30 days, and have not received a response. This false information has severely crippled my ability to obtain credit, secure housing, or even apply for SBA Loans.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX are reporting incorrect information for account XXXX XXXX XXXX. The balance of {$6800.00} is not correct. I have attached my last statement from XXXX which shows a balance of {$6500.00}. Furthermore, the statute of limitations in the state of Texas is 4 years so this account should report a balance of {$0.00} which is another FCRA violation. I am convinced that the credit reporting agencies assume that consumers are not aware of their rights and that is why they continue their gross misconduct and negligence. Due to the incorrect reporting of this account, I am demanding that this is removed from my credit report within 21 days. I have attached the credit repair and other documents to show the inaccuracy for your reference. Also note that I disputed this account months ago and you did not notate on my credit report that this account was in dispute which is another violation. You all are also furnishing different information for the date last active which is another violation of the FCRA.
Product: Mortgage

On XX/XX/2021, I received correspondence notifying me that my mortgage was transferred from XXXX XXXX  to PNC Bank. I contacted PNC Bank for assistance to establish an online account. The rep. stated that I couldn't enroll until XX/XX/2021. 

On XX/XX/2021, I contacted PNC Bank to establish an online account because the online feature was not working. I was told that I needed a pin # to create an online account. I was given a pin # and then told that I had to enter the pin # within 15 minutes. I did that and the system still did not allow me to create an online account. 

Again on XX/XX/2021, I contacted PNC Bank and the representative tells me that they will have to " mail '' me a pin # in order for me to create an account, but they are " able '' to take a payment from me over the phone in the meantime. 

I explained my concern for providing my banking information without having an established online account. The rep then tells me, " if you don't make a payment by the end of the month, then I will be penalized for the late payment ''. 

In my opinion, PNC Bank has established a business model that will guarantee penalty payments for new customers. The antiquated process ensures no one will be able to set up an online account in time to make online payments ( without a penalty ). For example, if their existing system is unable to recognize my account information to establish an online account, then why should I have confidence that my payment " over the phone '' will be applied to the correct account that doesn't exist. 

This business practice needs to be investigated and PNC Bank needs be held accountable for establishing antiquated systems that provide barriers to consumers attempting to make mortgage payments on time ( without penalty ). 

Thank you in advance for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX BANK Account Number : XXXX Please remove it from my credit report.r
Product: Debt collection

Contacted XXXX to dispute debt reported. Advised I dont owe money to cable provider and have had service since 2015 ( no debt has ever been communicated to me by cable provider. XXXX advised this is valid ( cable company reports I dont owe anything, still have service ) reported by I.C Systems INC {$72.00} dollars To XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX HAS CONTINUED TO REPORT A FRAUDULENT ACCOUNT ON MY CREDIT FILE. THIS ACCOUNT IS NOT MINE AND IS A RESULT OF IDENTITY THEFT. I HAVE SENT NUMEROUS DISPUTES, PROVIDED A IDENTITY THEFT AFFADAVIT, AND SUBMITTED NECESSARY DOCUMENTATION TO TRANS UNION. I ALSO HAVE REQUESTED ANY INFORMATION PERTAINING TO THIS ACCOUNT BE SENT TO ME DIRECTLY AS PERMITTED IN IDENTITY THEFT CASES. IVE SUBMITTED A DIRECT DISPUTE TO XXXX XXXX XXXX TWICE WITH PROOF OF DELIVERY AND THEY HAVE FAILED TO RESPOND TO MY DISPUTE BUT CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT TO MY CREDIT FILE WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FCRA. 

TRANS UNION HAS ALSO CONTINUED TO REPORT THIS FRAUDULENT ACCOUNT EVEN AFTER ALL IDENTITY THEFT INFORMATION AND A REQUEST TO BLOCK THIS ACCOUNT HAS BEEN MADE. TRANS UNION AND XXXX XXXX XXXX HAVE BOTH REPEATEDLY IGNORED MY DISPUTE AND REQUEST TO REMOVE THIS FRAUDULENT ACCOUNT. THIS IS AN ACT OF WILFUL NON-COMPLIANCE AND IS A DIRECT VIOLATION OF MY RIGHTS. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payments made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX BANK XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed : {$64000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$17000.00} XXXXXXXX XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXXXXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$29000.00}
Product: Credit reporting or other personal consumer reports

Please remove these inaccurate accounts stated in my credit report, and correct/update late payments on the accounts I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters asking for validation and the method of how they validated the fraudulent and questionable item on my credit report and have not received back anything in over 45 days for the account that is clearly inaccurate and fraudulent. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023. 

The account in question and its account numbers : XXXX XXXX acct # XXXX In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, has violated my rights. 



15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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: Mortgage

We started the refinance process with Citizen 's Bank on XX/XX/XXXX. Citizen 's sent an email with various documents to be reviewed and signed, which we did on XX/XX/XXXX. 
An appraisal. was done on XX/XX/XXXX at a cost to us of {$580.00}. 
On XX/XX/XXXX, a processing specialist sent an email stating the loan is conditionally approved and she had a few questions and document requests. on XX/XX/XXXX, we answered all requests. 
We have reached out to the loan officer numerous time and been told there's a backlog. 
After 4 months, we called corporate and asked to speak to his supervisor. We call the supervisor multiple times and he never responded. 
We feel like we've neem taken advantage of since we've spent {$580.00} on the appraisal and still haven't received the loan. We could have went to another bank, but they would want another appraisal at our cost again. 
We've called the PA Banking Commission and they referred us to this office. 
Thank you, any help in this matter would be appreciated.
Product: Checking or savings account

In short, a dispute was filed that charged back a car insurance merchant. I resolved the issue and closed the dispute. Credit Karma took the money back from this merchant, and also put a judgement against my banking account. This is double dipping, taking the funds from the merchant, aswell as the Bank account holder. I was promised over 20 days ago, a Check would be mailed out for {$130.00} as I was owed. However, this was a manipulation game being played by Credit Karma, I was informed the money was kept instead of the check being mailed out, to pay a debt I owed them. However, I was never given an opportunity to pay any such debt. Clearly this is a ruse so they did not have to pay me what they owed me. This needs to be investigated promptly!