23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Long story short. I purchased a laptop from XXXX. I was using a Netspend bank card. After purchase, my parcel delivery was quite long and he was lost. When I found I decided to return the item back to XXXX. They accepted my return and issued a return to My Netspend bank account. When my bank account was credited I attempted to log in to the account and received a pop-up message that my account is locked. At the same time, I picked up my phone and called to Netspend customer service. What they told me is that my account is locked and did not explain a reason why. They also told me to call XXXX and ask them for a letter of indemnity or to reverse the funds. XXXX response to me was that they do not do those things. So I am in a situation where one business ( company ) asks me for things where other companies ( business ) do not provide that kind of things and my funds and my actions are restricted. XXXX confirmed that they received an item and processed a refund and everything is fine but Netspend holds my money by force. I have a lot of info who proves that my return is sucessful. So this is what I have from XXXX : " Upon review, our system shows that a refund was issued successfully for order number XXXX back to the original payment method, VISA card ending in XXXX on XX/XX/2018 in the amount of {$1500.00}. Refunds generally take 1-5 business days to reflect into your account but are based on your Financial Institutions processing times. If you are not seeing the refund, please contact us at XXXX opt. XXXX, so we can conference call your Financial Institution for more information. '' Order ID : Order # XXXX Name on the order : XXXX XXXX. The laptop was bought with a virtual credit card. XXXX gave me an authorization code for the funds to be released - XXXX. Pretty much this is everything I have in this situation and now I am asking your help because in this situation I am powerless.
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. 

FRAUDULENT ACCOUNTS : Account Name 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 XXXXXX/XX/XXXX 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

There are five steps to submit your complaint : Step 1 : What is this complaint about? 

Ocwen serviced my loan and now PHH Mortgage is. 10 years ago we did a loan modification and now we are trying to refinance and we can't because there is a second lien on the home. According to the loan modification, there should not be a second lien because we did a loan modification. We have never been charged on this lien and I looked on FDIC and the bank doesn't even exist for that lien. This is the XXXX  XXXXXXXX XXXX Florida, XXXX XXXX. 

Step 2 : What type of problem are you having? 

We can't refinance our home because there is a mysterious lien on our home. 

Step 3 : What happened? 

We did a loan modification with Ocwen over 10 years ago and now we are trying to refinance the home and we can't. I have tried several times since XX/XX/2020 to ask the bank to help me figure this out although they never have an answer for me and they keep on sending me to " escalation '' in which they don't even help me. 

Step 4 : What company is this complaint about? 

Ocwen, although they are now called PHH Mortgage Bank. 


Step 5 : Who are you submitting this complaint for?
Product: Vehicle loan or lease

On XX/XX/XXXX I paid Honda Financial {$19000.00} via my checking account to purchase my XXXX XXXX XXXX that was nearing the end of its lease. I emailed all necessary odometer disclosure forms to Honda Financial on the same day, on XX/XX/XXXX I received email confirmation they received the documents and the title would be released to me. 
On XX/XX/XXXX I called the support line as I had not received the title yet, the representative I spoke with told me the title had been approved to be released and it should be on its way. 
On XX/XX/XXXX I called them again and was told the title may have been lost in the process of being sent to me. I was then told it would take at least 6-8 weeks for the process to be restarted and sent to me again. I still have not received the title despite paying them the full balance of the lien almost 2 months ago.
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  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account never included in bankruptcy. Payments never late. Payments are up to date.
Product: Mortgage

I was in the process of refinancing and was asked by the lenders to provide pay-off documents. I was further informed that once pay-off documents had been received, I would not have to make the next two ( 2 ) mortgage payments or words to that effect. Later it was revealed that that was in correct and that I had to make XXXX 2016 mortgage payment. Partial payments were made after due date. FREEDOM Mortgage had reported to credit bureaus that account was 30 days late. This was no fault of mine for I was led to believe that I would not have to make XXXX 2016 payment, but proceeded to make payments. Based on this situation FREEDOM Mortgage emailed me stating that they asked the credit bureaus to remove this comment. As of XXXX XXXX, 2016, credit bureaus reports account as 30 days late. Received banking statement showing that one payment was received on XXXX XXXX, 2016, but not cashed until XXXX XXXX. Investigation revealed that the other payment ( {$700.00} ) still had not been cashed. Bank recommended to stop payment on {$700.00} and to contact FREEDOM Mortgage over the phone and make payment. This caused further delay in processing XX/XX/XXXX payment and I am being penalized. Lenders will not proceed with refinancing until this 30 days late is removed.
Product: Debt collection

I was first notified that my information had been compromised in XX/XX/2021. I have notified the police, put an alert on my credit with all 3 bureaus and thought that I had resolved the fraudulent accounts opened with my information. In XXXX, I was notified of a collection item from a payday loan establishment in the amount of {$2900.00}. I disputed the item with XXXX and it was not resolved and removed. I am, again, trying to get this negative and fraudulent account removed from my credit report.
Product: Credit card

On XX/XX/year>, I disputed with XXXX XXXX billed for {$58.00}. It was a scheduled tour in XXXX, but due to my flight delay and weather, I wasn't able to attend the tour. Prior to canceling the tour, I reached out both the merchant and operator for an alternative solution by moving my appointment to a later time. The merchant confirmed there was availability but need to confirm with operator. The operator has never responded to our request. Eventually I had to cancel the tour. After the dispute, the merchant responded that there was no proof of cancellation. We submitted all of the proof and documents to Capital One, spoke on the phone for an hour. Until today, Capital one reversed the dispute and re-billed the account. 

In summary, my flight delay and weather issue caused me the inability to attend an event. This is different than me voluntarily canceling the tour. But I still have to the pay the cost. The merchant responded " there was no proof of cancellation '' when the evidence suggests that there was strong evidence. Capital one became the judge on this case rather than a provider advocating on consumer 's behalf and " have my back ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report from all three credit bureaus, XXXX, XXXX and Trans-union, and noticed there was a listing of Chapter XXXX Bankruptcy filing on XX/XX/XXXX on my report, the furnisher is the XXXX Bankruptcy Court. 

I wrote a letter to the Arizona Federal Court on XX/XX/XXXX requesting they send me the procedure for verifying bankruptcy information with three major credit bureaus, i got a call back from the court stating they DO NOT furnish any information to the credit bureaus. The credit bureaus are providing false information and they are in violation of the Fair Credit Reporting Act. 

I wrote dispute letters on XX/XX/XXXX toXX/XX/XXXX to XXXX, XXXX and Trans-union on the bankruptcy and they all responded back by saying the information was verified.
Product: Credit reporting or other personal consumer reports

Toyota refused to pay the excess balance in the GAAP policy that was purchased. The XXXX was totaled and Toyota stated that their GAAP insurance was not going to the full balance as the GAAP policy we purchased was deemed to cover any balance at 100 % of any default difference between the XXXX value and the balance owed on the XXXX. When we purchased the GAAP policy Toyota 's statement was this GAAP would cover 100 % of any balance owed, Toyota refused to cover the balance of {$770.00}. This was a fraudulent error by Toyota. All payments have been paid and are never late.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized or fraudulent inquiries on my Equifax and XXXX credit reports. These inquiries consisted of the following : XXXX XXXX - XX/XX/2024 XXXX - XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024 XXXX XXXX XXXX - XX/XX/2024 2024
Product: Mortgage

In late XXXX, XXXX, I refinanced my mortgage. The original mortgage holder, PHH Mortgage Services in XXXX. XXXX, NJ was holding {$2900.00} in escrow money that was due to be returned to me. 

I was in Florida from XXXX XXXX, XXXX until XXXX XXXX, XXXX. The post office was holding my mail during that period. When I returned I picked up all the held mail on XXXX XXXX, XXXX and looked for the check from PHH which wasn't in my held mail. 

On XXXX XXXX I calledl PHH to say I didn't receive the check. I spoke to " XXXX '' who told me the check was mailed on XXXX XXXX, XXXX. Since I didn't receive it she told me she'd put a stop on it and mail a new check which should arrive in 7-10 days. 

A new check didn't arrive. I called PHH again on XXXX XXXX, XXXX. This time I spoke to Escalation Relationship Manager in the PHH ERM dept., XXXX, who informed me that the check had been cashed on XXXX XXXX, XXXX. 

Since I was in Florida between XXXX XXXX and XXXX XXXX and the post office was holding my mail there was no way I could have received or cashed the check. I asked for a copy of the front and back of the endorsed check which she sent me and is attached. 

It is endorsed with a stranger 's name and my husband and my names. This is not my signature and my husband is a resident of a memory care facility in Florida certainly did not sign this check either. Clearly the signatures are fraudulent. 

I did not cash this check. This check was stolen and fraudulently endorsed. 

XXXX at PHH asked me to make a police report which I did and is attached. She told me once she received the police report PHH would reissue a new check in the amount of {$2900.00}. 

On XX/XX/XXXX I emailed a copy of the police report to XXXX in the ERM dept. at PHH with a copy of the police report attached. On XX/XX/XXXX, I emailed PHH with a copy of the police report again. On XX/XX/XXXX, I faxed a copy of the police report to XXXX at XXXX. 

Although I received a brief email from PHH on XX/XX/XXXX saying that the Fraud dept. was looking into this, I still have not received the money owed me by PHH. 

I've called XXXX at PHH numerous times at XXXX, ext. XXXX. She doesn't answer the phone so I have left numerous messages with no return calls. I have also spoken numerous times to various other agents who have told me they left messages for her and her supervisor to call me but still no response. 

I don't know what else to do. PHH still owes me {$2900.00}. I feel it is their responsibility to figure out what happened and who stole and cashed this check.
Product: Credit reporting or other personal consumer reports

I am writing to urgently report continued inaccuracies on my credit reports despite multiple dispute submissions. The credit reporting agencies have failed to conduct a genuine investigation, resulting in defamation of my character. 

Key concerns : Verification Process : Requesting a breakdown of how the agencies verified alleged accounts, as the information remains inaccurate.

Defamation of Character : The persistence of false information constitutes defamation, demanding a prompt resolution.

Failure to Provide Results : Agencies have not provided investigation results, violating FCRA rights.

Failure to Notate Disputed Accounts : Neglecting to notate disputed accounts, as required by law, adds to the inaccurate representation.

FCRA Violations : Multiple violations of FCRA, specifically FCRA 15 U.S.C. 1681i ( 6 ), warranting monetary compensation. 
I kindly request your intervention for a thorough investigation, ensuring agencies adhere to FCRA regulations. 

Thank you for your prompt attention to this matter
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.

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: Credit reporting or other personal consumer reports

I have sent XXXX letters to Transunion because there are inaccuracies on my credit report. All letters were sent certified from my home mailing address by me. The 3rd dispute letter I sent to Transunion was asking for verification on how Transunion was able to verify an inaccurate account. They did not send another letter after asking for verification and according to the Fair Credit Reporting Act, I have the right to get an explanation on how Transunion investigated my account and without proof of verification the account must be deleted. TransUnion sent a template letter without ANY proof of the investigation process in which I still have an inaccurate account on my credit report. The account must be deleted.
Product: Checking or savings account

Fraudulent activity caused my account to be overdrawn and frozen. My funds were taken by the bank and I do not have access to the money from my account. The problem was reported and followed up with phone calls, messages, and in-person visits. The bank took the money I should have given back to me.
Product: Debt collection

This relates to my student loans as it relates to the covid-19 relief forbearances. I was under the impression student loan holders would not have to do anything that this would be automatically set by the loan servicers. Prior to the Cares Act my student loans with AES were in a IBR ( income driven repayment ) I assumed that the Covid-19 suspension would include all government loans ; however I recently received a letter regarding my loans on XX/XX/2021 and this is when I realized that my loans were never suspended but remained on the IBR according to the provision of the Cares Act and the Covid Emergency. 

The letter stated that I needed to recertify by XX/XX/2021 and start making payments by XX/XX/2021 though the Covid-19 Disaster forbearance expires XX/XX/2021. 

However if you contact AES and Fed Loan Services regarding student loans and the Government Covid-19 forbearance through their automated services both companies will send you a email stating that the forbearance may be ending soon not including the correct date XX/XX/2021. In the case of AES no actual date was included in the email, encouraging you to go into a payment plan, it is more like tricking consumers of possibly coming out of the government provided forbearance if they are in one. 

This seems to be true of American Education Services and Fed Loan Services both sent me a similar email which I will attach along with my the IBR Recertify letter from XXXX XXXX. I recently entered into a new IBR with Fed Loan Services on XX/XX/2021. Fed Loan Services automated email communication as of today XX/XX/2021 still states that the Covid-19 Emergency Forbearance expires in 8 days on XX/XX/2021 when it is clearly posted clearly posted on studentloan.gov and other sites related to student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact all three major bureaus regarding public record reporting invalidly they refuse to properly investigate and remove invalid account from report. Chapter XXXX Bankruptcy has wrong reference/ case number, filing date, liability amount. Liability/asset amount not XXXX, did not file XX/XX/XXXX or XX/XX/XXXX. Also based off new public record law XX/XX/XXXX " All Account invalidly reporting will be removed ''. been trying to get this item removed for 2 years now
Product: Payday loan, title loan, personal loan, or advance loan

I sent a cashier check for XXXX $ on XXXX, and my credit union is shown Green sky cashed it but its not posted yo my account and they charging me interest I sent another cashier check for XXXX $ on the XX/XX/year> and it's not posted to my accounts. They said they wait 7 to 10 days on checks even cashier 's check mean while they charge interest until they give upu credit for it.
Product: Debt collection

This account was never mine. Never had XXXX in my entire. It is a result of an Identity Theft.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite my previous attempts to address these inaccuracies, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life.

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay.

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.
Product: Debt collection

I received a letter in XX/XX/2018 from a Linebarger Goggan Blair & Sampson, LLP claiming I owed {$52.00} to " XXXX XXXX '' in unpaid tolls and charges. I do not habitually take toll roads so this struck me as odd. Further, I had never been contacted by " XXXX XXXX '' about any amount due so I was skeptical as to how I could be in collections with them. Also, the license plate listed as mine on the letter sent by Linebarger Goggan Blair & Sampson, LLP isn't anywhere close to what my actual license plate is. In fact, the plate number they listed doesn't even follow the naming convention used for personal vehicle license plates in my state. Another red flag! When I researched this " lawfirm '' online I found many accounts from other people of this being a scam and anyone who tried calling the number for the firm 's call center was met with extremely rude, unhelpful people who just wanted to weasel your personal information from you, as well as the money. Consequently, I am not comfortable contacting this " lawfirm '' myself and instead choose to submit this complaint with the CFPB.