23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for refinance through my current lender, Freedom Mortgage, the first week of XXXX, 2019. I was told we could do a streamline refinance on our FHA loan and also remove our co-borrowers at the same time, as long as our credit scores qualified. They pulled our credit and gave a pre-approval based on credit scores and check stubs. After a few weeks they finally got the title cleared with the co-borrowers removed. Several different people ( at least 6 ) from  XXXX have dealt with my file since I started this in XXXX. Some of those people asked me for the same documents that I had already sent to someone else. I would go several days without hearing anything and then call for an update and they would ask me for more information. Last week, they had me still conditionally approved based on some explanations they needed for my credit report and verification of income. I sent them the explanations and they verified income and sent back to underwriting. Then, this morning, I get an email saying my file was denied due to " obligations in excess of income ''. No phone calls, no more explanations. I have tried several times to reach my loan officer and his manager, left voicemails and emails and have not been able to speak with either of them all day. I don't see how I was conditionally approved and then, all of a sudden, after two and half months, they deny my refinance based on debt/income ratio. They had my credit and income information from the very beginning. If there was a problem with debt to income, why would they have conditionally approved it to begin with? They had me sign 3 different loan estimates throughout the process as well. I have attached screenshots of some of the emails throughout the process with names and dates/times shown.
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 transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds, I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I have had XXXX XXXX stored in my account at Coinbase for several years. On XX/XX/2017, I submitted a " sell '' order on Coinbase for the full amount, asking Coinbase to transfer proceeds to my XXXX XXXX checking account that is linked. Coinbase confirmed the sale would generate {$170.00}, and that they would deposit that amount net their {$2.00} fee ( total {$170.00} ) into my checking account by XX/XX/2017. However, the money never arrived. I submitted an inquiry immediately and never heard back. I submitted another inquiry and heard back two weeks ago that they are investigating and would get back to me, but they have yet to do so. There are many complaints online that they have had issues with missing money transfers and no response to inquiries, and apparently only a CFPB complaint gets them to respond.
Product: Mortgage

My loan was sold to PHH mortgage. When I refinanced, I had an excess balance that suddenly disappeared. they have also been impounding and charging me for earthquake insurance when I have been paying it to my insurance company directly. They attempted to raise my escrow payment by saying my insurance had increased. When I contacted my insurance company this was false. I then asked for an escrow analysis. They didnt raise the payment, but didn't provide an explanation of where my excess money was. Now they are trying to raise my escrow again, which includes putting pmi payments into escrow when I no longer pay PMI. They also represent themselves as debt collectors when you call them, every type of mail that comes, etc. This is a violation as stated in my prior complaint. You stated in your closed complaint that I never responded and this is not true. You asked me to upload documents, and I did so three times. I would prefer direct contact or an email address if you are asking for documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  amount {$630.00} incorrect its over double the limit. Its INCORRECT. 
Date opened XX/XX/2018. Date delinquent XX/XX/2018.
Product: Mortgage

Failure to pay my property taxes by SLS, even though I have called them over 7 times and asked them to pay them. They refuse to call me back. Also, they paid the property taxes on another piece or property I own which was refunded to SLS in the amount of {$94.00} by the XXXX XXXX tax assessor who informed SLS that they paid the wrong taxes. SLS refuses to credit my escrow account for the refund. I faxed them a copy of the correct property tax assessment on or about XXXX XXXX, 2016, which they confirmed receipt of and yet they refuse to pay the property tax and refuse to call me back and/or speak with me. Now there are over {$100.00} in interest and penalties due in addition to the {$1500.00} in property taxes. I have made 7 or 8 phone calls in the last two months to no avail. The representative tells me they are researching the problem ; she then transfers me to a supervisor which goes directly to a voice mail. After leaving a long detailed message, I have not received one phone call back and the delinquent tax bill which is now 3 months overdue is still not paid.
Product: Debt collection

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ] XXXX XXXX XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. This business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX have not provided any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) ; therefore they need to retract this from my credit file immediately.
Product: Debt collection

RE : Unauthorized Accounts/Inquires To Whom It May Concern : I recently reviewed my credit report and found unauthorized Accounts/Inquiries that are attached to this letter. 

I disputed these accounts on XXXX they came off due to violations listed on the bottom of this page. I would like to see the same for XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Card Services I have these three negative accounts on all three credit Bureaus. I've disputed an account from Toyota motor services & two accounts from XXXX XXXX 


XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  ) XXXX ( XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) I have inquiries from on my credit report that did NOT get my written instructions & I have the right to privacy and confidentiality under 15 USC 1681. 

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.

Account # 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 or other personal consumer reports

XX/XX/XXXX my score was XXXX, on XX/XX/XXXX they dropped my score to XXXX. This was XXXX point decrease. I paid off a loan and paid XXXX XXXX on another card. I closed no credit cards. The agnecies excuse at first was that a creditor didnt report a XXXX payment which was made early in XX/XX/year>. I spoke with them they contacted transunion on my behalf. They raised my score XXXX points but tanked it XXXX for nothing at all. Got several different answers from XXXX different agents. None of them were really accurate to me. This was ridiculous on their part and a big error.
Product: Credit reporting or other personal consumer reports

Hi i find fraudulent inquieries in my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete fraudulent information from my credit report.
Product: Credit reporting or other personal consumer reports

I submitted disputes with XXXX, Equifax and XXXX in early XXXX, these disputes completed at the end of XXXX with positive results for me ( accounts were deleted ). I have received updated credit reports, but the credit score has not been updated. I contacted the credit bureaus MULTIPLE times and have either been given the run around and/or being gaslit by representatives. I then contacted myFICO and found that the credit bureaus are not or have not submitted the updated information to myFICO, which is why my credit scores have not been updated.
Product: Mortgage

This is a follow up complaint to a prior one filed last month where I expressed concern that Wells Fargo was intentionally delaying my modification, repeatedly asking for documentation previously sent claiming it was not received and not returning calls. The worst has happened. 

I have actively been working with an individual by the name of XXXX XXXX ( " Home Preservation Specialist '' ) who I have been in routine contact with ( and often hard to reach ) who reassured me on a three-way phone call with an underwriter everything has been received and being processed last month. He even told my son on a separate private call the same thing the very last week of XXXX. 

This month I received a letter dated XXXX/XXXX/17 stating my loan modification has been closed due to lack of documentation. How?! This could not be. No notification was ever sent that something else was missing and I was just on the phone being told my loan is being processed and all is good. I was also informed by XXXX XXXX, an " Executive Mortgage Specialist, '' who my internal complaint was escalated to that the bank is " looking for the best modification '' for me at the time. ALL LAST MONTH. 

After receiving the letter last weekend, my son immediately sent an email to Wells Fargo Mortgage " Executive Office '' again where a woman named XXXX XXXX is now supposedly looking into this with a resolution dated XXXX/XXXX/17. 

But in the midst of this, a man came by my home the other day inquiring about my house being foreclosed on to my surprise. I immediately informed my son who went online and saw that Wells Fargo sent a Notice of Default to my county in XXXX unbeknownst to me, and while I was in the middle of this modification, which is the beginning of foreclosing proceeding - a PRIME CASE OF DUAL TRACKING and intentional deception. 

Unfortunately Wells Fargo can not be trusted and this needs to be escalated outside of the bank ASAP. I am afraid of losing my home after over a year long worth of attempts to work with them and sending any and every thing asked. The deceiving, lying, unethical and perhaps illegal practices have left such a level uncertainty about where I will lay my head. I have been sending paperwork after paperwork for A YEAR. 

Wells Fargo is saying there is no sale date and that the foreclosure process did not begin until XXXX/XXXX/17 ( the date of the letter ). But it should not have began at all. I can not trust them when strangers are coming by asking me about my property being foreclosed on when I was under the impression my modification is being processed. 

Please investigate this. Foreclosure should not be taken place. I hear this is happening all too often. I have proof of the documentation sent.
Product: Debt collection

Dear Mr. / Ms . C.F.O. : I REFUSE TO PAY THIS DEBT or ANY DEBT WITH PAYPAL/ SYNCHRONY BANK!

Your company has repeatedly overdraft my bank account, claiming that I owe a debt under PAYPAL/Synchrony Bank account number Account Ending In XXXX. I do not believe that I owe this debt in pursuant to 18 U.S. Code 8, and I am disputing it and allowing you appropriate time to show evidence of this debt to be valid.

Such conduct from your company has caused me to suffer severe Financial Harm, humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 USC 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.

I demand that you cease and desist from this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating XXXX XXXX account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to XXXX XXXX by Email, mail, and otherwise. 

If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. 

Kindly govern yourself accordingly. 

Respectfully Without Prejudice, XXXX XXXX Secured Party Creditor, Attorney in Fact
Product: Mortgage

I was in the process of refinancing my existing Mortgage with Flagstar Bank, XXXX, Michigan. About a month ago this bank notified me my social security number had been exposed due to a data breech. Now during the refinance a loan processor named XXXX XXXX sent mine and my significant others pdf file by regular email with our full social security numbers. This is unheard of and has caused me great distress and contacting credit to put fraud alerts.
Product: Credit card or prepaid card

I was booking a flight on JetBlue and when I went to pay, I received an offer to open a JetBlue credit card through Barclays and if I spent {$1000.00} within 90 days on the card they would give me XXXX frequent flyer points. I did what was described and only received XXXX points. I called Barclays, and they said only JetBlue could fix this. I contacted JetBlue, and they said only Barclays can fix this. I have not gotten additional points, and even if I do eventually, this is still fraudulent advertising. I shouldn't have to reach out for them to fix this, and I'm sure other people won't reach out, or perhaps even notice. When I was on the flight I booked, flight attendants came down the aisle with a brochure offering XXXX points if you open an account and I thought, " I don't need that, I already did that. '' How can they be held accountable?
Product: Credit card or prepaid card

XXXX  2021 my federal income tax return was placed in two Netspend account three checks in total in the amount of {$18000.00} of the checks were sent back to IRS the XXXX They have yet to return I have contacted him numerous times since XX/XX/2021 and to get no answers
Product: Checking or savings account

It is my Savings, Checking, Credit Card Account and yes everything is in my name and my name only. My accounts are still open. I lost or someone stole my wallet which had my ID and social security number in it so I panicked and contacted Chime to place a hold until I felt comfortable because my cell phone was also in my wallet when it was lost or stolen. So when I was able to change my XXXX password and bank logins I called to have the hold taken off. So I passed the face verification and sent a clear photo front and back of my id and they are demanding the physical card be scanned. I told them it was stolen/ lost. I told them I passed face recognition and sent front and back photos and also XXXX Dmv Digital ID which is used for anything legally like airlines etc. But they refuse. They won't give me anyone of higher position to talk to or a way to contact. They have had my money locked in now for 3 weeks and I have to pay my rent I received a notice and I can not get my money I have XXXX $ which my rent amount. Nothing has been done now they are just hanging playing games on the phone
Product: Credit card or prepaid card

The account in question in discussion is Amex Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XX/XX/2020 XXXX XXXX XXXX XXXX XXXX I tried calling to defer the payment and could not reach anybody at Amex. When I was well enough to work I did make the payment immediately.
Product: Debt collection

I requested info and evidence from all credit bureaus no information has been provided
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : 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  These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Prepaid card

I never got an respond back or the call back from the lady who called me I even sent messages from my PayPal account I need to close the old account down and transfer my funds to an new account with PayPal that is not BLOCKED by PayPal security that PayPal said they can not unblock so if that is the case transfer my funds and open me up a NEW ACCOUNT ASAP and I want PayPal to provide proof and why why are they blocking my account with they security.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Experian Mailed in my factual dispute for " co '' still reporting on a dead account, the accounts are still up and reporting, this is changing the statue of limitations which is stopping me from getting a home. This was XX/XX/2021.
Product: Credit reporting or other personal consumer reports

XXXX and Experian wont provide my credit report online
Product: Credit reporting or other personal consumer reports

NOTICE TO DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Consumer Complaint XXXX XXXX XXXX XXXX, Oregon XXXX Date : XX/XX/XXXX NOTICE TO DELETE ACCOUNT TO WHOM THIS MAY CONCERN, PLEASE DELETE THIS CHILD SUPPORT, JUDGMENT ACCOUNT IMMEDIATELY : Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : : # XXXX Account # XXXX Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 
All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 



Please respond to this deletion notice within 30 days to avoid further actions, deletion of this account will satisfy compliance. 
CC : Attorney General Office, FTC, CFBP Upon removal of the above referenced items. 
Please send me a copy of an updated credit report. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The payment history doesn't match with other creditor bureaus, date open, date closed, date of last activity. the balance, recent payment, last payment, account status, highest balance, account numbers are different, Activity designator.
Product: Money transfer, virtual currency, or money service

I held $ XXXXusd with Coinbase.com I made a withdraw request to have the money deposited into my checking account via XXXX on XX/XX/XXXX the transaction showed " complete '' I never received my money from coinbase. I have made 7 attempts to contact coinbase and they have provided me with no answers. 

I have now read hundreds of complaints of customers dealing with this issue. 

I feel like there is some serious fraud according with coinbase.com I have Case ID : XXXX from coinbase