23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Recent mortgage was with PHH Mortgage/Ocwen Services. Ref. Loan # XXXX. I refinanced that mortgage with XXXX by XXXX XXXX  which closed on XXXX XXXX XXXX. All payoffs wired to PHH on or about XXXX, XXXX XXXX with no acknowledgement by PHH that they have received any funds. They are still demanding payments for XX/XX/XXXX and XX/XX/XXXX with the threat of forclosure on my property. I sign onto their website to see if there were any changes to my mortgage account with them and the account shows that they were still holding me accountable for the full amount of the mortgage I had with them. Plus they have been adding extra charges during the pandemic with no explaination on my statements as to why or what those charges were for. 

The new loan closed on XX/XX/XXXX with XXXX by XXXX XXXX. 
Loan XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my SS # XXXX my DOB id XX/XX/XXXX I have found several addresses on my credit file that are not mind, I have only one address that is XXXX XXXX XXXX , XXXX GA XXXX. I have had issues in the past with my ID being compromised do to fraudulent addresses appearing on my files. Please remove/delete the following addresses : XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX , XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX
Product: Debt collection

I lost my job during covid and I was told by my leasing office that I didnt have to worry about the rent because I can apply for XXXX XXXXXXXX Assistance that will help me with rent relief. 

I agreed to do this and I began the process. This began in XX/XX/XXXX. 

XXXX XXXX  Assistance began requesting information from me such as assistance amount needed, leasing agreement and proof of the balance due. I gave them all information I needed multiple times but they continuously asked for the same info and during this time there was a little wait in between each update because this was during peak covid. 

In XX/XX/XXXX, I decided to voluntarily vacate while I waited for XXXX  XXXX Assistance. After I told the leasing office that I would be vacating, they stuck an eviction notice on my door telling me I needed to turn in the keys by a certain date or they would continue the filing for eviction. 

I turned my keys in way before that date and I was told the eviction was cancelled and I just had to wait on XXXX XXXXXXXX Assistance for the balance relief. 

About XXXX or 6 months later around XX/XX/XXXX, I got a phone call from XXXXXXXX  XXXX Assistance asking for the ACH and leasing agreement so they can relieve the balance owed. The leasing agreement XXXX sent back to me was locked and inaccessible to anybody except them. I told them I needed the full leasing agreement so my application can be completed but they failed to send it. I also received a letter in the mail from Georgia courts telling me I have my court date for the eviction on XX/XX/XXXX. This was surprising to me as I was told that the eviction was cancelled since I voluntarily vacated. 

I contacted the leasing agents to get the information needed from XXXX XXXXXXXX Assistance and they told me I am no longer in their system as theyre now under a new management and they have no access to my account. As for the eviction, they told me that it was cancelled and I shouldnt have a court date and that the courts were backed up. That was proven to be a lie as the court told me there was never a file for cancellation in the first place. Because of this, I had to attend court through a zoom meeting just so I wasnt found guilty by default and the case was dismissed by a judge. However, the eviction is still shown on my rental history despite it being dismissed and I wasnt suppose to go to court for it in the first place.

The property manager told me I would have to contact XXXX corporate office to satisfy my balance since I am no longer in their system but they stopped responding to me completely when I asked for the contact information so I was never able to get the balance cleared. 

I was also never received a written document or any type of communication about the final balance or how much this balance was and when it was due until I hit my credit report. I did not get a fair chance to dispute or get it relieved by Berkshires corporate or XXXX XXXXXXXX Assistance.
Product: Money transfer, virtual currency, or money service

# 1 On XX/XX/2022 as XXXX of my company, I signed my business up for a Plastiq account to receive payments from customers. They requested my private banking information as part of the sign-up process.

# 2 I received an email later that day that my application had been rejected, but I was provided no explanation. I noted that I could still login to their website portal, and they persisted in storing my private bank account information.

# 3 I immediately contacted support asking for clarification why my application was rejected. I received no response.

# 4 I followed up again on XX/XX/2022 and asked again why my application was rejected and also requested that my personal banking information be deleted from their system. 

# 5 I finally received a reply the same day. They refused to answer why my application was rejected. They refused to confirm whether my private banking information would be permanently deleted from all their systems.

At this point, I have no trust whatsoever in this company and their ability to protect my private information.
Product: Checking or savings account

I requesyed copies of my enclosures with my 10 checks and tbey said tbey didnt handle that. Who does?
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off and closed my personal line of credit with XXXX  XXXX XXXX XXXX XXXX. But on my credit report it is showing there is a balance with XXXX, XXXX, and Experian. I file a dispute with all credit reporting agencies but it wasn't resolved. I attached a copy of my receipt showing the balance was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/18 - I initiated a dispute for wrong information online XX/XX/18 - I checked my report and found that my auto loan account had been changed ( This was not part of my dispute and up until XX/XX/18 it was reporting correctly.

XX/XX/18 - I called Equifax, spoke with XXXX, totally unknowledgeable and unclear English.

XX/XX/18 - I called back after XXXX refused to transfer me to a manager.

XX/XX/18 - Spoke with XXXX  who transferred me to XXXX  ( Like XXXX he continued to tell me I had to dispute the information, which is ridiculous since they changed it in error )
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of late payments on my credit report. I have contacted the companies regarding this late payments, and they have approved updating the accounts to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 


XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXXXXXX XXXX  is trying to collect a debt and not showing contract of debt and reporting debt on cbi
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX 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, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 
The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit file related to the XXXXXXXX XXXX XXXX XXXX. I have identified errors in the reported payment history and balance, which I believe violate federal consumer protection laws. Please find the details below. 
The inaccuracies I have identified are as follows : Upon reviewing my report, I found that XXXX XXXX late payments have been reported for XXXX and XX/XX/year>. These entries are inaccurate, as I have consistently made payments as required. Additionally, the account remains open and in good standing, which further indicates that these late payment notations may be erroneous.

Under federal law, I request an investigation into these inaccuracies and a prompt correction. The specific laws that govern the handling of this matter include : Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666b ( a ) : This section prohibits creditors from reporting a payment as late to credit reporting agencies if it was received within 14 days of the due date or as specified in the account agreement. If my payment was submitted within the allowable time frame, this reported delinquency violates this provision.

Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) requires furnishers of credit information to ensure the accuracy and integrity of the information they report to credit bureaus. Incorrect reporting of payment history and balance is a violation of this section.

1681i requires credit reporting agencies to conduct a timely and thorough investigation of disputes and to delete or correct inaccurate or unverifiable information.

Truth in Lending Act ( TILA ) 15 U.S.C. 1666 ( a ) : This section requires creditors to investigate and resolve billing errors, including misreported payment statuses or amounts due, promptly. The reported 30-day delinquency appears to be a billing error. 
Equal Credit Opportunity Act ( ECOA ) 15 U.S.C. 1691 ( d ) : Creditors are required to notify consumers of adverse actions, such as reporting delinquencies, and provide specific reasons for such actions. I did not receive proper notice or explanation for the reported delinquency.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : 1692e prohibits false or misleading representations about the character, amount, or legal status of a debt. Any misrepresentation of the account balance or payment status would violate this provision. 
Given the legal protections afforded under these laws, I request the following actions : A detailed investigation into the reported inaccuracies. 
Evidence validating the reported balance and payment history, including a copy of the original creditor agreement.

Correction or removal of any inaccurate information that can not be verified.

Please consider this letter as my formal dispute under the FCRA, FCBA, TILA, ECOA, and FDCPA. If you can not verify the accuracy of the information, I expect the disputed items to be removed from my credit file promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a lease vehicle for 39 months with XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX on XX/XX/XXXX and it was financed by GM Financial Leasing. My loan matured on XX/XX/XXXX in which I turned the vehicle in 5000 less miles than the XXXX that was allowed, back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, without purchasing another vehicle. My last payment to GM Financial was on XX/XX/XXXX for {$1200.00}. On XX/XX/XXXX, I received an alert from XXXX that my score dropped 45 points. Upon opening the app, I discovered that GM Financial Leasing has reported my closed account as over 30 days late and I immediately filed a dispute with XXXX about it was a closed account and after their investigation on XX/XX/XXXX they said their investigation was completed and it was correct according to GM Financial. On XX/XX/XXXX, I contacted GM Financial and I found out that my car was grounded with GM Financial on XX/XX/XXXX, ( a term that is used for leased vehicles, releasing me from the debt/car ) but on XX/XX/XXXX, in their notes ( GM ), someone called from XXXX XXXX XXXX XXXX XXXX XXXX XXXX to unground the vehicle, supposedly the person who owned the car wanted to purchase it right out, by XXXX. Upon talking to the representative, I suggested a 3-way call so she could explain the problem, because I was no longer in possession of this vehicle, since XX/XX/XXXX. And I never intended to buy the vehicle because I purchased one back in XX/XX/XXXX in Florida, while on vacation. 
When talking to the dealership, they said they don't have a XXXX and the person who grounds the vehicles name is XXXX, but he knows nothing about this. She said please reground and he said he would fax the original paperwork and the rep said this was highly unusual to happen, but they reopened my closed account and put me as the last owner because it was ungrounded. And this is why I have the negative report on my credit. Once the car is grounded again, they can fix the negative credit report. She said give us 2 days and call us back. I gave them 1 week and called back on XX/XX/XXXX and in the system they are still waiting on a manual grounding and after I talked to a supervisor, they said I had to go get a " NO FAULT LETTER '' from the dealership to fix my credit score. I stated to the supervisor XXXX, that now this is a cat and mouse game, and you have it all in your notes, that I did my part as a customer and I was in the middle of trying to get a lower interest rate on my new vehicle that I purchased out of state and they don't know how long this will take to get corrected. I have threatened to go to social media and other things, but I was suggested to go through this route, because I can hopefully get this resolved quicker than a 30 day time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX several of my credit accounts became delinquent due to a long illness. My debt with overstock.com was first listed as delinquent in XXXX of XXXX. That debt was bought by XXXX in late XXXX. XXXX is reporting my debt as a new account opened in XXXX of XXXX and are showing it as newly delinquent. This has had far reaching consequences- I am in the thesis phase of my XXXX XXXX and my financial aid has been denied because of the new delinquent debt, as was an application for a mortgage that I was close to closing. I have disputed this with XXXX XXXX who if they only looked at my record would see it is an old debt not new.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX  US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my report that aren't mine that need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE 3 CREDIT BUREAUS AND XXXX ARE NOT REMOVING THE LATES FROM MY CREDIT REPORT. THE MOTOR BIKE WAS A TOTAL LOSS THE INSURANCE PAID THE ACCOUNT AND I ALSO MAILED A PAYMENT IN. I HAVE PROOF BELOW.
Product: Credit reporting or other personal consumer reports

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts XXXX XXXX XXXX  ACCOUNT BALANCE {$600.00} XXXX XXXX XXXX ACCOUNT BALANCE {$960.00} XXXX XXXX XXXX ACCOUNT BALANCE {$250.00}
Product: Debt collection

I called the company and ask for proof that the debt is mine and they refused. I asked for an original bill or anything with my signature and they said, they don't have to supply it. I ask to speak with a supervisor and they always put me on hold and then the call is disconnected. I have been trying to remedy this incorrect charge to no avail. I did file a complaint with the credit report agencies, but all they say is " Account information disputed by consumer, meets FCRA requirements ''. I even called the hospital and they say they have no information of anything sent to collections, I ask for the date of service and they failed to supply that information. I have tried to gather information and am unable to get it and the companies in question are not giving me the required information. 

I am retired and on a fixed budget, I have to check where I am spending my money. I don't have much and I do not believe this bill is accurate. I keep getting the run around and it not fair and I find it abusive to me. 

please help. 

CMRE FINANCIAL SERVICES Reported : XXXX XXXX, XXXX - {$270.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$270.00} Highest Balance {$210.00} Opened XX/XX/XXXX ( 2 yrs, 5 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX  XXXX
Product: Student loan

My XXXX loan was discharged with an effective paid in full date of XX/XX/XXXX in XXXX under the public student loan forgiveness PSLF program. I made at least 23 payments after that effective date, up until the COVID pause program. I'm expecting at least {$3000.00} in a refund for excess payments. I have 180 PSLF eligible payments according to the Studentaid.gov website information. I've tried contacting Mohela and the Studentaid.gov Ombudsman for information and status of my excess payments and when they will be refunded. The Ombudsman 's office never even returned my phone call or responded after a month. They both point fingers at each other and Mohela says that it's not their problem, and the Dept of Education says it's not their problem either. I want the excess funds returned ASAP. It has been over 9 months now since the original discharge through the PSLF program.
Product: Checking or savings account

On XX/XX/2023, I opened two accounts, the Smart Advantage Account and the Relationship Plus Money Market, with BMO through their website ( Accounts and account number shown as Attachment XXXX and XXXX ). I followed the instructions and proceeded to transfer the initial deposits into the accounts. Using my XXXX account detailsspecifically the routing number and account numberI made two distinct transactions : a {$25.00} deposit into the Smart Advantage account and a {$25000.00} deposit into the Relationship Plus Money Market account through the XXXX website ( Transaction in XXXX shown as Attachment XXXX XXXX. However, on XX/XX/2023, I received notifications from XXXX stating they encountered difficulties funding my newly opened accounts and decided to refund ( Email from XXXX shown as Attachment 6 ). However, I only received the {$25.00} deposit reflected in my XXXX account. The {$25000.00} intended for the XXXX XXXX XXXX XXXX account did not appear. Despite numerous attempts to resolve this issue by contacting XXXX I have not received a satisfactory resolution. After submitting a complaint in CFPB to XXXX, I finally received their response on XX/XX/2023. XXXX informed me that their vendor, Fiserv, holds the funds, and they advised that XXXX 's ACH department should request a debit return ( Response from XXXX shown as Attachment XXXX ). 

Following a complaint filed with the CFPB against XXXX on XX/XX/2023, I received a response from XXXX today stating that they reached out to Fiserv. However, they conveyed they are unable to retrieve the funds from Fiserv due to Fiserv requiring information from XXXXXXXX XXXX ; as XXXX XXXX had initiated the original ACH withdrawal and the return ( Response from XXXX shown as Attachment XXXX ). Its essential to note that XXXX communicated with Fiserv on XX/XX/2023, instructing me to request XXXX to reach out to Fiserv. However, XXXX has now redirected me to request XXXX to reach out to Fiserv. This situation falls into an endless loop, leaving me in a hopeless situation where Fiserv continues to hold my funds without resolution. Both XXXX and XXXX had contacted Fiserz. I believe there is no more excuse for Fiserz holding my funds for over 4 months. I urgently request Fiserv to return my funds immediately. If it is necessary for a specific financial institution to initiate this request, Fiserv must provide comprehensive instructions. This should include details on the bank responsible for making the request, the requisite information, and contact details for immediate follow-up. This information is crucial for a swift and effective resolution to the ongoing issue. 

This financial situation has made my life a mess as I need to use the {$25000.00} to pay my rent and groceries. Therefore, I seek the CFPB 's assistance in facilitating a resolution to retrieve the missing {$25000.00}, along with any accrued interests, which have been outstanding for over four months.