23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB : My first compliant CFPB Number : XXXX filed in XXXX XXXX I explained and laid the ground for a fraudulent mortgage foreclosure against me and my wife by Caliber Home Loans and it 's alleged trustee, XXXX Master Participation Trust. Caliber Home Loans in their response to my original compliant said they conducted an internal investigation by the XXXX XXXX XXXX XXXX of our allegations of fraudulent assignments. They said once the investigation completed they would send us the results of their findings. The last we heard was that they found no merit in our allegations and the investigation was closed on XXXX XXXX, XXXX. As of this new filing we have never received the results either by U.S.P.S. or electronically. 

XXXX filed a Motion for Summary for Judgement in XXXX of XXXX. We filed our Objection/Opposition to their MSJ on XXXX XXXX with a affidavit from a Certified Fraud Examiner and incontrovertible evidence of forgery on XXXX or XXXX assignments of our mortgage. The judge on this case ruled and ordered in favor of the plaintiff for their Motion for Summary Judgement on XXXX XXXX, XXXX. He also granted the plaintiff 's In Rem action which essentially eliminates any constitutional rights or due process as citizens of Pennsylvania and the United States to present our evidence in a court of law. The judge granted the foreclosure and sale of our home by sheriff sale in 30 days. The judge issued a XXXX Order with no opinion, no finding of facts and no conclusions of law. I 'm sending to CFPB a copy of our Objection/Opposition to the plaintiff 's Motion for Summary Judgement and the judge 's XXXX order.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because my credit report contains inaccurate information that has not been resolved despite my efforts to dispute it with XXXX. 
Details of Inaccuracy : Account Name/Number : Affirm XXXX Issue : Account has never been late and is paid and closed Dispute Efforts : I contacted the credit reporting agency on XX/XX/year> to dispute the inaccurate information. Despite providing supporting evidence, the information remains uncorrected. This error has negatively impacted my credit score and financial standing, leading to denied credit applications, higher interest rates, and emotional distress.
Product: Checking or savings account

I originally applied for an account with Navy Federal on XXXX XXXX With my brothers access code. Because my brother is a member I could qualify as a family member. I submitted supporting documents ( driver license, passport and utility bill ). I heard nothing back. In XXXX, I called to check the status and they informed me they could not verify my identity, so I submitted a security appeal including documents such as My passport, drivers license and utility bills. I again heard no response. I called back XXXX to check the status and they said because there was no current application on file that I Have to reapply. I reapplied XXXX XXXX and then after calling back two weeks later I was told I had to submit another security appeal. I asked the rep why I would need to do that if I have already sent one before. I am submitting documents such as a passport which is the most verified document you can submit. After speaking to a rep today and a rep from the security team, in which they were very rude and told me nothing except that they have denied the application as there was nothing left to discuss. They will not give me a reason why the application was denied
Product: Credit card

I am filing this complaint due to Synchrony Bank 's inadequate handling and resolution of a dispute regarding the allocation of payments on my XXXX XXXX XXXX XXXX account ending in XXXX. 

On XX/XX/XXXX, I made a significant purchase of approximately {$34000.00} with a promotional offer of 0 % interest for 36 months. In XX/XX/XXXX, I incurred an additional charge under a different promotional offer of 0 % interest for 18 months. My expectation, based on these promotional terms, was that my payments would be allocated in a manner that maximized the benefit of these promotional periods. 

However, I discovered that my payments were being applied to the earlier charge first, despite its longer promotional period, which contradicts the logical allocation that would benefit from the differing promotional terms. This payment allocation method significantly impacts my financial management and the effective use of the promotional interest rates offered, and springs a retroactive finance charge of {$8100.00}. 

I emphasize : an {$8000.00} penalty for timely paying my account, automatically, since the inception of the charges. 

I initially reached out to discuss and resolve this matter with a customer service representative, XXXX XXXX, on XX/XX/XXXX, at approximately XXXX PM Eastern time, but the conversation did not lead to a resolution. Following this, I escalated the issue to XXXXXXXX XXXX XXXXXXXX team on the same day. 

On XX/XX/XXXX, I received a response in the form of a letter within my account, which, perplexingly, contained no content or resolution to my issue. I sought clarification on this matter and, on XX/XX/XXXX, was informed by XXXX that they would not alter their position on the payment allocation. Furthermore, a new letter was referenced in this communication, which had not been previously visible or provided to me. 

I made a final attempt to reach XXXX XXXX, Senior Specialist, Corporate Consumer Relations today at approximately XXXX PM XXXX. She did not answer her line.
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. 

XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

Experian XXXX XXXX XXXXXXXX. 
XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Date of Birth : XXXX XXXX SS # : XXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am not sure is accurate. Some of the people reporting these on me, Are you familiar with a law called 15 U.S.C. Sec. 1681i ( a )? If you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent accurate. So, could you please check on these and get back with me? I know you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Items Need To Be Validated : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Action Requested : Please provide proof that its reporting correctly from the CourtHouse and not a third party and delete if anything is incorrect Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. 
I would also like the updated report after you investigate this Information on Consumer Report. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Debt collection

Early termination fee was paid in payments. After debt was paid off, with monthly payments in check form, XXXX XXXX sent me to collections. The debt collections has been asked multiple times to take this off my credit report, they don't acknowledge my attempts at contacting them. They say I never paid XXXX, a copy of the check is attached as well as an additional copy of a check for XXXX cents that I was later billed for. I have filed with XXXX  to have it removed from my credit file, they have also ignored me.I have repeatedly tried to call them without success. Please help. 

Sequim Asset Solution, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX! XXXX
Product: Checking or savings account

XX/XX/XXXX - Checking account balance was approximately {$140.00} ( positive/available ). 

XX/XX/XXXX - {$220.00} was authorized by Wells Fargo to draft from my account from XXXX. Transaction should have been declined due to not enough funds in my checking account. {$35.00} overdraft fee was issued. 

XX/XX/XXXX - Checking account balance was negative. {$9.00} was authorized by Wells Fargo to draft from my account from XXXX. Transaction should have been declined due to account now being negative. {$35.00} overdraft fee was issued. 

When I called Wells Fargo- they did reverse the over draft fees ( totaling {$70.00} ). But they would not refund/reverse the {$220.00} payment or the {$9.00} payment. I was told it is up the the banks discretion to pay these transactions on my behalf. I disputed this and talked to two supervisors who told me it is up to Wells Fargo to pay the transactions on my behalf or not to pay them. That it is up to the discretion of the owner and that it is Wells Fargo policy. When I asked to have this policy sent to me in writing, they said they did not have it in writing. I was then hung up on twice.
Product: Credit card or prepaid card

My son, XXXX XXXX passed on XX/XX/1990. At the time of his passing his wallet with his id and social security card along with his phone went missing. 
He had several open cash app accounts at the time also. 
I have tried numerous times to contact CASHAPP to inform them of his death. 
The CashApp support team both through the app and phone service have not been able to resolve this. They are asking for information that I can not provide. They want me to reach through his CashApp which I can't do because his wallet and phone are missing. 
Due to him being deceased he can not contact them.
Product: Debt collection

This was debit that was taking care of by insurance. And this was 4 years. I give them the insurance more than once. It not my fault that they put the infomation in correct.and am not paying for this debit twice.
Product: Mortgage

I am overpaying the property taxes on my home. I have contacted, ( called-over 20 times ) and emailed ( 10 times ) the reconsideration received from protesting my local county office regarding property taxes. I was advise to upload the documents on my loan servicing website and each time they said they did not receive it. Spoke to a Manager who told me to email to her directly and still they say they did n't get it. I 've now emailed the manager 5 times. Each time I call to speak to the manager she just left. Manager XXXX XXXX. I 'm paying {$200.00} a month overage.
Product: Debt collection

I have previously reached out to the company XXXX XXXX and advised them that i did not take out a loan with them. They then sold the debt to National Credit Adjusters and the debt is not owed and also. I did not go into any agreements with NCA and would like this removed from my report. Once a debt is sold, the consumer is no longer responsible for that debt and it is also illegal to sell a debt. I have not supplied proof under the doctrine of topped by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX. I presume that proof of the alleged debt nor therefore any such debt in fact therefore exists.
Product: Debt collection

I was informed that I have an open XXXX debit card with only monthly charge fees and not active usage but attempting to collect past due account fees that amount to XXXX In fees. I was able to give all correct information from XXXX but they are saying in order to give more details I must provide correct apartment number which was provided but they told me it was the wrong apartment number provided. I never opened a XXXX card nor did I stay on another apartment at the address provided which is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX IL XXXX. This is an attempt to collect a fraudulent debt which is not on my credit report. I have also filed for bankruptcy in XXXX XXXX XXXX. I do not understand why or who is trying to attempt to collect fraudulent amounts/ company name RGS Financial XXXX
Product: Credit reporting or other personal consumer reports

My bankruptcy has been on my credit well pass the time of FCA laws and needs to be removed due to my constant on time payment and no delinquencies on my credit for the last several years.
Product: Student loan

I am a   XXXX   XXXX   XXXX   on the income based repayment plan serviced by  FedLoan. Whe n I had previous companies service my loan, such as  XXXX , I received MANY reminders that my income based repayment plan was expiring, and that I needed to re-certify. W ith FedLoan , I received  XXXX  emai l (   XXXX   XXXX   )  and   XXXX   message to my electronic inbox  (   XXXX   XXXX   ). My  repayment plan did not expire until  XXXX . I filled out the application in  XXXX , two months before my repayment expired, and it has not yet been approved. Therefore, I was billed the full amount for  XXXX . When I called and talked to the customer service representative, they said they are " behind '' and it could take up to two months to process. In the meantime, I had to declare forbearance because I am not able to make the full amounts. If I pay what I can, it does not count towards my public service forgiveness. This situation puts me behind on my loan forgiveness.
Product: Money transfer, virtual currency, or money service

Hello PayPal/Venmo : I was recently using your venmo app as I always do I have been a verified member for quite some time now. This is the main app that I have been using for years starting from XXXX all the way up until today where I am now graduated from college. It upsets there is not any human interaction from the venmo side that is able to send me at least an email or a phone call that could help explain any of this. My account got flagged because of XXXX payment of {$300.00} that I do very often ( every other day ) so it makes no sense. Then to make matters worst Venmo wont even let me withdraw the money I have in my balance. I need to use that money this weekend but they could care less apparently and it shows. I hope I can get some help here because this is an awful experience. Please someone help me or at least get me an answer. Thank you.
Product: Debt collection

I'm writing to ask for the removal of late dates and update the status of the account to open/never late on disputed item from my credit report. Despite my efforts to verify inaccuracies with the information provider, there has been no response. I request the credit bureau to update my consumer file in accordance with the FCRA, as the reported information is unverified and lacks proof. XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$1800.00}. Please update immediately.
Product: Checking or savings account

I made a deposit in XXXX in the amount of {$1600.00}. It was processed and posted. 
After 5 months, Bank of America debited my account by {$720.00}. After I tried to dispute it, they still wouldn't give me my money back. 

They kept staying there is a {$720.00} shortage of currency in my deposit.
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED.

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.
Product: Checking or savings account

Hackers gained access to my MoneyLion account and withdrew money. I tried talking to multiple agents but none provided any solutions. Also the hackers changed the account phone number to theirs and I can't change it back to my phone number. The agents had told me I had to wait a month to change it back, so basically the hackers may still have access to my account for a whole month potentially. But yeah according to MoneyLion, I have to just wait a month to change it back. No one seemed to really care I lost XXXX $ off my account. This happened on XX/XX/XXXX and it feels very unlikely I'll get a remedy for this situation.
Product: Money transfer, virtual currency, or money service

I make a deal with a XXXX for rent an appartment. So long short story, when the moment that I have to meet the XXXX at the appartment came, he never show up, and when I XXXX his email and his phone number, I saw a XXXX XXXX with the exactly modus operandi of the scam. The appartment never was available, never was renting, a totally scam. But at the moment we found that it was a scam we already transfer him the security deposit and first rent month {$4000.00} ( XXXX XXXX XXXX pesos ). so Im writting this cause maybe my money is gone but I transfer that money to a Wells Fargo account, so theres the information of an account that is commiting crimes and scams, because I wasnt the firstone. I really expect that you can help me. Maybe not with the money but at least to find out the scammer and see what else we can do with that account info
Product: Vehicle loan or lease

My husband and I took out a loan for an XXXX XXXX XXXX Bank in XX/XX/XXXX. SST took over the loan shortly thereafter ( Acct # XXXX ). The loan required automatic monthly withdrawals from our checking account of {$300.00}. These withdrawals took place with no issues for nearly 7 years, then in XX/XX/XXXX, for an unknown reason SST submitted the request for payment to our bank using the wrong checking account number. The bank branch manager confirmed the wrong account number was provided by SST and sent us a screenshot for our records ( bank transaction record of attempt and denial uploaded ). The bank denied the payment ( there have been no changes to our banking situation/account, etc. ). This mistake on SST 's part resulted in a delinquent payment and negatively impacted our long-standing excellent credit scores by more than XXXX points each! When I realized something went wrong I paid what was in arrears immediately including late fees. 
When we explained the situation and asked for resolution on XX/XX/XXXX, they said they would have a manager in their dispute resolution group call us. We have not received a phone call response as of XX/XX/XXXX. I also note that their automatic payment policy includes a statement that says once notified of an error, they will determine if an error occurred within 10 business days and will correct any error promptly. 
We received a letter dated XX/XX/XXXX from SST responding to a request to remove negative comments from our credit history. However, it is clear that instead of investigating the situation they simply confirmed payment was made more than 30 days late ( see uploaded SST letter ). It also appears that they are charging us {$45.00} for a " XXXX XXXX XXXX '' on XX/XX/XXXX ( see last page of uploaded SST letter ). 
We are in the middle of refinancing our home, and this mistake on SST 's part will end up costing us tens of thousands of dollars over the life of our new loan since their mistake means we no longer have stellar credit scores and will not get the best rate. 
SST has not owned or even acknowledged their mistake nor made any attempt to make it right for us, loyal customers of 7+ years. 
I have sent a response letter to SST requesting an actual investigation to identify why an incorrect account number was used, dated XX/XX/XXXX ( see uploaded letter to SST ).
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX/XXXX/2022, Sent a letter to Carmax, XXXX, and XXXX informing them the information they are report to my consumer report is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX is failing to upload their responsibility of deleting information that is inaccurate after being notified why such information is inaccurate. They are XXXX disregarding the law by reporting false information.