23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/21, I submitted a mortgage payment online ( {$1600.00} ). I believed I had turned off the auto-pay through the app, but I turned out to be wrong. I observed in my checking account that another payment was set to clear on XX/XX/21. The app was misleading in my opinion ( I work in the financial services space and still didn't figure it out ). I contacted the company immediately ( XXXX ) before the payment cleared. The customer service rep said she would try to reverse the payment, but, failing that, they would send me a check to refund the duplicate payment. To date, I have still not received the check. I called two times to check on the status and was told the refund check was issued on XXXX. The fourth time I called about this issue ( on XXXX ), I learned they had the wrong apartment number. The apartment number was corrected, and I asked the check to be expedited. The fifth time I called ( XXXX ), I was told that the check went out on XXXX. As of yesterday ( XXXX ), I still have not received the check. This has punched a hole in my finances. I applied for and was granted a forbearance last month. Attached is a screenshot of the misleading app. ( I was told the draft date, which is the payment due date, is different than the period to which the draft applies. The app should simply make clear whether autopay is ON or OFF. )
Product: Credit reporting, credit repair services, or other personal consumer reports

victim of fraud renove all data on your company
Product: Credit card or prepaid card

On XX/XX/2022, I received a " Chase Fraud '' text message alerting me that the bank had declined a {$2000.00} charge and they asked if I had made the purchase. If I responded " no, '' the text explained, they would close the current card and send me a new one. I called Chase and let them know I had not made the purchase at *A-American, along with additional charged in the amounts of {$10.00}, {$400.00}, {$2400.00} and {$8900.00}. The rep assured me not to worry ; they were " closing '' that card number, issuing us new ones and investigating the matter. Then, on XX/XX/2022 the next communication I received from Chase was a letter informing me that I was being held responsible for the $! 0 and {$2400.00} charges as I had " received benefit from the transaction. '' When I called the next day, I was told that their " investigation '' determined that we had made a purchase, as they had an invoice with " matching information. '' This information was my husband 's name, my email address, my cell phone number and our home address. 
I asked for the contact information for the business in question and was provided with an address and a phone number. The address turned out to belong to our local electric utility, not a private business, and when I called the phone number it only gave a recording with instructions about how to report an outage. 
Follow up phone calls to Chase provided different information. I was given a new address and phone number, both belonging to the real XXXX XXXX, which is a company not in our area. When I called them and spoke with their billing department, I was told they had no record of my husband, me or any of our contact information. They also did not have any record of any transactions for the amounts Chase was quoting. 
I filed a police report with the XXXX XXXX Police Department and the detective who was assigned the case had already called the company before I had ; he got the same response as me. 
I have filed an appeal with Chase and requested copies of the " invoice '' upon which they are basing their investigation ; they will not, however, tell me how they acquired this invoice as both of the phone numbers and addresses are not valid. 
Today, I received a follow up letter from Chase informing me that their " latest review conforms the previous finding that the transaction is valid. '' " The transaction will remain as part of your account balance. You're responsible for paying the amounts on your account. '' We did not receive ANYTHING from the fraudster who is using various addresses and phone numbers as fronts for theft. Someone is stealing {$2500.00} from me and Chase is complicit in this.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX, a collection Agent for PHEAA, misrepresented themselves by identifying themselves as US Department of Education and offset by tax of {$3300.00} without Court Order. This alleged debt was a XXXX XXXX XXXX that was paid off but had been manipulated to create the current debt and was assigned to XXXX XXXX  for collection. 

Seeing the suspicious manipulation on the letter from the US Dept. of Treasury, I decided to dispute the Offset with the US Dept. of Education Ombudsman Group. The US Dept. of Education Ombudsman group showed that they did not offset my tax but said that PHEAA has the ability to garnished and certified my tax for Treasury Offset ( TOP ).

But the Law requires PHEAA to offset my tax only with a court order and PHEAA does not have the court order. GC Services, PHEAA 's Collection Agent, does not have court order required to offset my tax either, buit decided to misrepresent themselves as US Dept. of Education to offset and take my money in Bad Faith. 

I also found out that the US Dept. of Education also need court order to Offset this alleged debt because it was and is still disputed. According to the law US DOE can only Offset on undisputed debt without court order. 

This alleged debt had been disputed many times from XX/XX/XXXX but was never verified and never validated on collection accounts. 

I also disputed this alleged debt with GC Services when I received their collection letter, dated XX/XX/XXXX, in the mail. I asked for the validation of the debt as required by Texas Debt Validation process on XX/XX/XXXX but XXXX XXXX never validated the debt but continued to pursued collection action and still reporting the debt on my credit record in violation of the FDCPA. 

Returned certified mail confirmation showed XXXX XXXX received my dispute letter but never responded and never validated the alleged debt but decided to misrepresent themselves to offset my {$3300.00} and take my money in Bad Faith. 

The US Dept. of Treasury had said that only the person named in 'who do I owe ' can be able to remove, change and refund the money collected through this falsified Treasury Offset process. But the US Dept of Treasury had failed to identify the real certifying agent of this Offset.

Therefore TOP Trace # : XXXX  was certified in violation of the Federal Debt collection Act and has to be nullified and my money return to me. 

I am also requesting that my information be removed from TOP data base in accordance with the Federal Debt Collection Act due to misrepresentation by XXXX XXXX, the certified agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts 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
Product: Checking or savings account

On XXXX XXXX, 2022, I stepped to stay at XXXX XXXX in the middle of the country, on my way to XXXX. I had to stop because it was night and there were no lights on the roads. I was given room XXXX, but when I tried to turn on the heater it was not working. I asked the receptionist to move me to another room and she told me there were no other rooms available. I asked for a refund, and she said that XXXX XXXX doesnt give refunds. I called Regions bank and the bank told me that I need to wait until the funds processed to file a dispute on XXXX XXXX, 2022, I filed a dispute. I never received any information about the dispute. I finally, on XXXX, 2022, I was told that the bank decided to not refund me for the hotel stay, even though I sent pictures of the broken heater and room number and evidence I was at XXXX  XXXX from my mobile device, At that point, I asked for it to be put in writing that I wouldnt receive a refund with an explanation and XXXX XXXX XXXX, told me that he wasnt going to allow his employees to put the explanation in written form. The result was that I left the bank disappointed and without a valid reason why my purchases werent being protected from merchants who called not maintain an expected quality of service for the price and product rendered. No one should be forced to pay {$91.00} for a single night in a hotel room without heat. XXXX is necessary basic need and is included in expected services provided by the hotel. 
In addition, I had other disputes in the past that were treated in the same manner. This is the first dispute that I am making a claim about.
Product: Credit card or prepaid card

From XX/XX/XXXX through XX/XX/XXXX I have been charged monthly Payment Protection fees totaling {$580.00}. I did not enroll or agree to these fees. I 've contacted the company to cancel this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was contact via email by the Manager XXXX XXXX of the Homesavers Government Program that my application for a Home loan relief and assistance that they will not be able to process or give any assistance for me being that I was not in a position to complete all legal requirements demanded by the government to display for their review to decide my approval for funds. 

During this process of being reassured by my current home loan provider XXXX XXXX .... the action requested of me by Ms. XXXX XXXX at the Housing Agency was totally impossible. 

I have another borrower on my existing mortgage that I havent seen or conversed with in many years nor was I able to provided a current address or produce a required signature of the additional borrower because that would mean I was in contact with such person. 

I informed Homesaver Government Program Ms XXXX XXXX that it would require me to conduct a entire refinance of my home to remove the other borrower to have the ability to complete all vital Government required documentation necessary to go forward and that wasnt possible because I was also unable to afford such a process even if it was possible. 
Nor was I able to produce other financial records also stipulated in the Government detailed document to become a participant that MUST be provided by all residents in the community. 

As I explained to this Programs Management and Ms. XXXX XXXX, and many others who authorized the continuation of processing incomplete documents and altering the stipulations at their own discretion ignoring the demand of the Federal Government to obtain housing funds is simply athat did not meet the required standards to do so. 

Unfortunately I was not giving any type of common sense reply or explanation. 

Therefore, the inquiry that impacted my credit report was legitimately unauthorized that resulted in a decline in my credit score, Also I was informed by management and Ms.XXXX  prior to the decision of there action to submit these documents that I would be declined. 

Which was absolutely wrong to even attempt to submit with full knowledge of the essentials needed to be approved.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hurting my file. ive noticed all information in question is invalid on all XXXX credit files. I have disputes these items multiple times an no action has been taken. please review an remove the items in question to correct my credit report. none of the data is valid. delete an remove all items requested asap.
Product: Vehicle loan or lease

My leased vehicle is at the end of it's lease and I am trying to purchase the vehicle. I have been trying to call Honda Financial Services for the last week to get a payoff amount for the vehicle because the company who is doing the financing needs this information. This information is not available online and XXXX states I need to call in to obtain. I have been called multiple times and have been put on hold for over one hour. I do not have the time to continue to call in and wait and there is no indication from XXXX on how long the wait times are and there is no option to schedule a call back. 

I've tried alternative routes through the phone such as not entering my account information and the automated system tells me that they are not open. These call have taken place during their normal business hours so this appears they are trying to avoid customers who do not have their account information available. 

This is very concerning that I can not get ahold of anyone to take care of a financial matter. This is most likely costing me money in interest and other fees and is unacceptable.
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX Re  : XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX Mortgage MIN # XXXX XXXX Investment Account : XXXX PSA : XXXX XXXX XXXX Home Equity Loan Trust, Series 2006-FM2, current owned by XXXX XXXX under PSAs name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Qualified Written Request Dear XXXX XXXX : On XX/XX/XXXX the undersigned filed a Qualified Written Request pursuant to the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ) to XXXX XXXX XXXX , XXXX XXXX ( XXXX ) which falsely claimed to be the mortgage note holder of our mortgage loan at the above address. I dispute the ownership of the note and amount owed. 

The complaint was responded by XXXX XXXX to the CFPB saying the complaint do not belong to them. But failing to responded to the complainant, as it is required. 

When CFPB allow this improprieties happen, it deprived Complainant from have access to vital information that is need to solve this matter. 

This matter can not be solve without a written responded from XXXX XXXX 

Since XXXX, False claiming have been made that XXXX XXXX XXXX is the holder of the Note of my Mortgage. 

Evidence show that XXXX XXXX is not the Trustee of the Mortgage since XX/XX/XXXX. 

New evidence show that XXXX is not Trust of the Mortgage according US Securities and Exchange Commission ( SEC ) records shows that pooling servicing Agreement ( PSA ) XXXX XXXX XXXX Home Equity Loan Trust, Series 2006-FM2 Asset-Backed Pass-ThroughCertificates XXXX  2006-FM2 was purchased by XXXX XXXX on XX/XX/XXXX and all of its the residential mortgage ( RMBS ) place into the new PSA called XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Trust 2013-C7, which consolidated different type commercial and residential pooling Servicing Agreements. 

THE FOLLOWING INFORMATION IS REQUESTED IN WRITTEN : 1. copy of all evidence, allonges, blanc endorsement of the note that XXXX as the note holder of the above mortgage. 

2. Copy of updated/current Power of Attorney signed by XXXX XXXX XXXX XXXX giving SPS to act of its behalf to foreclosure or modify the above Mortgage. 

3. A sworn statement that US Securities and Exchange Commission ( SEC ) information is wrong, incorrect, that and that the current Trust is XXXX XXXX, no XXXX XXXX XXXX. 

Thank you for taking the time to acknowledge and answer this request as required by the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). The requested information is due within 10 business days. 


Sincerely, XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX cc : Middle District Bankruptcy Court case # XXXX XXXX County Court case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX On XX/XX/2023 XXXX XXXX  agreed on XX/XX/2023 that this account number is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to inform you that time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} ; XXXX XXXX XXXX  XXXX Balance : {$75.00} ; 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 XXXX XXXX XXXX XXXX XXXX, WV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX, WV XXXX ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXX XXXX XXXX Balance : {$75.00} ; XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card

As of XXXX my available credit on my PayPal credit ancciunt managed by Synchrony bank account was {$1000.00}, according to the company on XX/XX/XXXX a letter was sent out and my available credit was reduced to {$500.00}. Customer service from the company said to contact XXXX, XXXX said to contact the credit bureaus that I use. This is a virtual line of credit without a tangible card and it is unclear which credit reporting agency is used by Synchrony bank to regarding consumer credit reports- nobody was able to give me this answer for me to pursue and see if there is an error on my credit report. I have had this account the longest of any of my available lines of credit and had recently paid the balance in full with a fairly good history of making on time payments. The other two lines of credit I have are not reduced with less history and higher balances. Thus, this action seems nothing except for predatory on behalf of synchrony bank. 

This action taken by Synchrony bank negatively impacts my credit report to have my credit limit reduced and to further have a lower amount of available credit ; this is not a practice that helps consumers develop credit which is the point for me as a consumer to have this type of credit. Moreover, I still have not received the letter as of XX/XX/XXXX, and this move caused me to be unable to pay other bills since the credit was lowered with no advance notice or means acknowledge or to appeal, and I use this line of credit to make purchases for my business. Some are regular monthly purchases but others are seasonal. I had used this line of credit to purchase equipment needed for the winter and it came out of a card linked to a separate account from the merchant. I made these purchases before the XXXX of XXXX so it would have shown as pending on my account as well.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

IVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE INFORMATION and ACCOUNTS REPORTING NOT CORRECT : XXXX : 1. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Employers : XXXX XXXX 3. Under 15 US Code 1681b permissible purposes of consumer reports XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

TRANSUNION : 1. Under 15 US Code 1681b permissible purposes of consumer reports XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( F ) Reporting information during COVID-19 pandemic.

( i ) Definitions. In this subsection : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period. 
( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.