23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, I refinanced by property at XXXX GXXXX XXXX XXXX XXXX Florida. 

Once the loan was funded I received notification that the servicing company was going to be Planet Home Lending and I established automatic payments for the new mortgage payments to be taken from my bank account. 

On XX/XX/XXXX, I received a letter from the bank saying that they were going to be switching servicing companies to XXXX XXXX XXXX XXXX XXXX  ) effective XXXX XXXX. 

On XX/XX/XXXX, i received a goodbye letter from Planet Home Lending saying the loan had been transferred back to themselves On XX/XX/XXXX i received a welcome package from XXXX stating that they were the new mortgage servicer and as a result I set up automatic payments out of my bank account with the new servicing company. 

On XX/XX/XXXX, I called Planet Home lending to ensure that the loan had been transferred as I did not want to make double mortgage payments. I spoke with customer service and they made it clear to me that they were tho OFFICIAL servicer of the loan and that XXXX had no right to contact me and they said that I needed to continue to make my regular monthly payment to them or they would report a derrogatory on my credit report. I then called XXXX and reported the problem and they empantically stated in contradiction to Planet Home Lending that they were in fact the OFFICIAL loan servicer and they had document to prove it. They also suggested that if i did not pay them they would report it negatively on my credit report. 

I have been forced to make double mortgage payments since XXXX. Neither company will contact the other to help resolve this issue. I have made contact with each of the respective companies in excess of 15 times to report the issue and both insist that they are the correct servicer. Meanwhile my bank account has been drained. 
I am now broke. Neither company is wroking to resolve nor refund the excess payments and none are willing to resolve this issue. 
I have spoken with the highest levels of management from both companies and they express to me that nothing can be done within their scopes of authority to fix the situation. 

I need the government to step in an help resolve this and get my overpayments back. 

i have been shuffled around like a deck of cards from one lame customer service agent to another. I honestly can not tell you who is worse ... .XXXX XXXX XXXX or Planet Home Lending. In my opinion they both are less that a 1 out of 10. 

I am sure that there are laws in place that are supposed to prevent things like this from happening to a consumer. The long and short of it is that the companies hide behind their phone systems and emails and largely ignore the situation. 

I recently was advised 2 days ago that Planet Home Lending was going to transfer the loan to XXXX on XX/XX/XXXX but they would not be refunding me my overpayment. 

PLEASE HELP ME get my money back. This is not right!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had send a disputed letter on XXXX XXXX the item XXXX XXXX was remove I noticed today XX/XX/2022 TransUnion placed XXXX back on my credit report.
Product: Debt collection

XXXXXXXX XXXX XXXXXXXX account is stated on my credit report that is inaccurate, and well over 10 years old, and still remaining on my credit. I have sent out several attempts to rersolve this issue with Transunion for it be remove but yet have no response
Product: Checking or savings account

How many complaints can be entered and ignorred? 1- have NOT RECEIVED OUR NEW DEBIT CARD NO ONE AVAILABLE TO ASSIST ... XXXXXXXX XXXX PHONE LONG WAIT OR LEAVE A MESSAGE. 2- BALANCES from ATM continue to be wrong!!!! This has been going on for over a year. I was told to get an employee when you print balance or use machine they can not do anything to correct. Hence eliminating my ability to drive through to confirm info. Also XXXX XXXX  bal on phone XXXX. HOW is anyone to manage their acct? Once again no one at the branch to validate and if course OD charges immediate. A NICE WAY TO MAKE EXTRA MONEY. 3- They have NEVER ADDRESSED MY XXXX COMPLAINTS and have NOT WRITTEN OR COMMUNICATED WITH ME OR MY OTHER VRNDORS. ALLEGEDLY AN OFFENSE?
Product: Mortgage

XX/XX/XXXX To : Consumer Financial Protection Bureau I have a complaint in regards to my house placed under foreclosure through my mortgage company Bank of America. My house was paid off in XXXX. Bank of America failed to notify me with the Deed of release. I continued making payments on all the way up until XXXX, when I received a letter with a returned money order stating that I over paid. I then was notified that my house was paid. I have been under bankruptcy twice since XXXX. My payments consistently increased. A couple years back I was under foreclosure where I came across a program that I applied for to help me to stay in my home. I later found out that BOA took the payments from me that I continue making and also taking the payments from the program and lied about the program saying that I was denied. A couple of weeks ago, a XXXX looking man came to my house, knocked on my door, and told me that he has purchased my house. My house was listed on a website called XXXX After the house " sold '' at the auction that was listed on the website. Most of my family members, and members through marriage all received a letter from a lawyer in XXXX, TN letting each person know that my house was under foreclosure, how much it sold for, & the date. The letter also stated that there is an overage or refund that it is owed to me. This has been a stressful, embarrassing time for me. I have paid my house two to three times more that what I should have. While I was under bankruptcy the lawyer for BOA asked that I pay for their fee and the bankruptcy trustee agreed. My house was paid off in XXXX. It is now XXXX. That mean, I overpaid my house for 9 years! and BOA continue to let me while taking my money. I have received a court date for XXXX XXXX XXXX XXXX XXXX for XX/XX/XXXX for Possession of my home. 

This has to be corrected for my children and I. This needs to corrected now so that my children and grandchildren can inherit what I have worked, and struggle so many years for. This house need, must, and will be inherited to my family not to a thief that think that they can come and steal what is rightful OURS. I'm consistently receiving calls, texts, emails, and flyers in the mail asking me to sale my home. My home, that me and my family has built together and made it our own??? My home were there are so many memories in??? BOA has stolen and lied to so many homeowners over the years and I'm one of them. This is a serious issue that needs to be addressed immediately. I need answers fast.
Product: Credit card or prepaid card

In XXXX XXXX of XXXX I accepted an offer from my Chase Amazon card to pay 0 % interest on balance transfers until XX/XX/XXXX. After this, the company removed my grace period for new charges and began charging me interest from the date of purchase even if I pay the balance in full every month.
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 XXXX. Account name : FRANKLIN COLLECTION. I looked at my XXXX credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC XXXX ( e ) ( b ). And according to the 15 USC XXXXi XXXX they are suppose to do this list ( XXXX ) terminal of inaccurate or unverifiable information. ( XXXX ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC XXXXsXXXX they are suppose to nor 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 card

I have been trying to pay off my account with XXXX since XX/XX/XXXX. I mailed a check for {$11000.00} on XX/XX/XXXX to XXXX XXXX XXXX XXXX, TX XXXX which is the address listed on my statements to make a payment by mail. According to Comenity Bank, this check was never received. I contacted my credit union to have that check cancelled and have them issue a new check which was mailed directly from XXXX to the same address on XX/XX/XXXX in the same amount. Again, Comenity Bank said this check was never received. I sent copies of the front and back of the check as requested. On XXXX XXXX Comenity Bank sends me a letter saying they received my claim and are currently researching it. On XXXX XXXX I receive a letter from Comenity Bank stating there is no record of my payment and I now owe {$800.00}. I once again contact my credit union to have the check canceled and reissued, pick up the check and go to a XXXX  store located at XXXX XXXX XXXX. XXXX, MD XXXX to pay in person and I was told by XXXX that they couldnt accept a payment in store over {$1000.00}. She gives me XXXX numbers to call, XXXX of which I received a message saying I was unauthorized to call. The other is to XXXX XXXX customer service who transfers me to Comenity Bank. I ask the customer service rep what is the address to make an overnight payment and he proceeds to tell me that there is no address to make an overnight payment. He gives me the XXXX XXXX XXXX address and I explain to him Ive mailed XXXX checks to that location which were never cashed. I called customer service line a few days prior to confirm the mailing address and they tell me it is located on my statement. I respond with I dont have my statement in front of me and with an attitude she states XXXX XXXX XXXX XXXX XXXX TX XXXX. This is NOT what is printed on the statement! I also called customer service this morning to inquire how long it takes for a payment to post because according to my statement, a payment mailed to the overnight address is credited the same day received if it arrives before XXXX XXXX. I have confirmation my package was received and signed for by XXXX on XX/XX/XXXX at XXXX. My account has not been credited as of XXXX XXXX XXXX XXXX  which is the time Im writing this. I am now forced to have to pursue legal action and I have various phone calls and the store visit all on video so may the odds be in their favor. I have called customer service and written Comenity Bank NUMEROUS TIMES over the past XXXX months. These people are unprofessional and DO NOT CARE about trying to close this dispute. They have received my checks and are refusing to cash them. DO NOT OPEN AN ACCOUNT WITH THEM. Seems the only payment they are willing to take is over the phone or on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account information from my credit report. However, after various formal certified mail disputes they continue to ignore my request. This account has been charged off yet the continue to report a past due balance, the last active dates are wrong as well as the last payment date.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXXXXXX XXXX XXXX 

A complaint was allegedly filed, but the customer service claimed I can not receive any correspondence, and claimed I can't do anything to dispute besides contacting transunion. However, transunion is correct in their reporting, their conclusions are not based on trends or objective information. 

XXXX, XXXXXXXX XXXX my credit limit was decreased to XXXX XXXX, XXXX, XXXX my credit limit was decreased to XXXX. 

From procurement of the card, to this date, my XXXX XXXX has gone up. My credit usage has gone down, and in the past several months I have paid off about XXXX in credit cards. Everything has been improved in my XXXX XXXX. 

I received letters claiming issues with credit usage and too high of balances on other cards. As I said, these claims are false. They have only improved since applying for the card, and definitely improved between XX/XX/XXXX and XX/XX/XXXX. 

Both decreases occurred at or around me paying my XXXX card down by between XXXX. 

No other credit card limit has decreased in the mean time. 

Now, my XXXX XXXX is impacted, and shows that my usage is down, despite nothing having changed for the worse besides this faulty decision. 

XXXX said I can not do anything besides apply for an increase, which would further impact my XXXX XXXX. 


Considering trends in my credit usage and XXXX XXXX, the limit should have been left alone or increased, not decreased suddenly at the time of me nearly paying it off. Both decreases coincided with my making large payments, with new limits coincidentally aligning with the balance that I paid down to at that time. 

Additionally, it claimed I had too many inquiries. Those inquiries into credit were through " pay in XXXX payment '' options with XXXX. XXXX claimed it wouldn't affect my XXXX XXXX, but clearly it's impacted it somehow.
Product: Debt collection

This company is reporting an account to the credit bureaus that doesn't belong to me. Remove this immediately or I'll seek damages because you are responsible for what you report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX
Product: Debt collection

continuing harassing phone calls from this company, National Commercial Services, a specialized Subrogation & Commercial Collection Agency located in the XXXX XXXX XXXX in California. 
Continually call and leave no messages on my cell phone. 
Phone number they call from XXXX.
Product: Credit reporting or other personal consumer reports

. 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 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 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 an 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 7 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 a reasonable cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote a letter certified mail # to XXXX ( usps certified mail # XXXX XXXX XXXX XXXX XXXX ) explaining to them that the Auto loan acct # XXXX was unverified and can it please be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lag posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal credit Union for similar practices, where transactions settled insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has reported me late on my credit report without sending me a notice that a payment was due. I have been on auto pay for the past year and have always made my payments on time. When I called the company I spoke with a Mr. XXXX who advised the bills and notice that my year was coming to an end was sent to the wrong mailing address as well as the incorrect email address. I'm trying to purchase a home and I need the mistake corrected. I 'am current on my payments, and Mr. XXXX has put in a request to have the mistake corrected. I need it updated with all 3 credit agencies ASAP.
Product: Checking or savings account

On XX/XX/year> we issued a check to a XXXX XXXX who was to do a walk in shower. The next day or two we put a stop for the check of {$2500.00} this was the down payment that he wanted. Check # XXXX. Since there were not enough funds in the checking account we were charged for the stop payment and for the overdraft charges. They have since been taking care of. The bank took away those fees. What I don't understand is why a check went through with the name XXXX XXXX but the back is signed with his real name which is XXXX XXXX. Isn't that considered FRAUD. The bank says NO. The bank says to wait 3 days for the stop order. XXXX XXXX did it in two seconds with his mobile device. He deposited right away even though there was no sufficient money in the checking account to cover the check. I don't know how to download a copy of the cancelled check. I do have a copy. 

Thank you for any response. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im contesting this letter & rejecting it on its face. The identity theft report I submitted was from a law enforcement agency. One which you directed me to. If you continue to willfully non-comply with my dispute I will be seeking a legal remedy. Ive talked to my attorney & he said to send this letter & if you continue to ignore my request I will be suing you. Please remove the following : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There's unknown and unauthorized inquiries on my credit report inwhich I did not consent to therefore I would like them removed immediately, and if these companies can not give me physical documentation of such then as stated within the FCRA law, the following inquiries shall be deleted/ removed. ( 1 ) XXXX XXXX XXXX XXXX , XXXX, XX/XX/XXXX, ( 2 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, ( 3 ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, when I spoke to the XXXX XXXX she said since it was a XXXX voice that's all that matters, un acceptable excuse.
Product: Checking or savings account

My name is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I have a CD Account with Synchrony Bank Act # XXXX Due to FEMA disaster # XXXX XXXX, California, declared by President Biden. 
I need to use my fund early I have call XXXX XXXX XX/XX/XXXX, speak with Manager name XXXX. 
Not willing to help.
Product: Credit reporting or other personal consumer reports

Reached out about a XXXX XXXX XXXX collections account fraudulently listed on report that caused a denial of a {$89000.00} dollar loan to process. XXXX, XXXX and Equifax claimed to have used information services to properly examine the validity of the account. The creditor and the collections agency reached out citing that they believed the account was fraudulently listed on my records- which contradicts what all three credit reporting agencies said. As a result formal civil charges for the demand of {$89000.00} from each credit reporting agency will be placed into civil suites due to violations and misrepresentations of the FCRA. For essentially wrecking my credit after those companies fell victim to data breaches themselves.
Product: Debt collection

This is a medical debt on my credit report and its in violation of the code fifteen USC16 81 there should be no medical debt on my credit report. 


Syncb/care credit XXXX XXXX XXXX Charged off
Product: Credit card or prepaid card

I applied for a credit card with Aspire and was approved for {$700.00} credit limit and was told there was a {$170.00} annual fee charged to the card upfront, which I accepted. I was told my would arrive in 10-14 business days. When my card had not arrived by XX/XX/XXXX I contacted customer service and was told that they would cancel the card and reissue a replacement card. But I should pay the minimum due because that was part of my annual fee. I paid the minimum payment and waited for my card, which should have arrived by XX/XX/21. When it had not arrived I contacted customer service on XX/XX/21 and they stated they would cancel the card again and reissue another card. I requested that they send it via express ( XXXX ) service. I called today ( XXXX ) to verify if the card was shipped and if it was sent express, and I was told it was sent via regular mail. At this point I'm doubting this card will reach me. When I told them I am disappointed and want to close my account and their actions seem fraudulent they disconnected my contact to them. After researching online I am seeing that this is a pattern for them of not sending people their cards, but making people pay for their annual fee.