23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage company cashed my XXXX part payment XX/XX/XXXX. They did not apply my payment but cashed the checks. XX/XX/XXXX, 1 month after the payment, they automatically entered me into a " foreclosure '' status and started a modification process. I bought the home is XX/XX/XXXX and have never been late. The modification took over a year. I have finalized my divorce and my exhusband has signed a quit claim deed removing his ownership in the property so I could modify per Wells Fargo instructions. I have made my XXXX trial payment and they are refusing to remove my ex-husband from the Note. They state that the only way I can remove him is to refinance. If I was in a position to refinance, then that is what I would 've done a year ago. This modification process needs to be examined. I have been sent letters from Wells Fargo attorneys stating that Wells Fargo has started foreclosure proceedings, I have been unable to make online payments as they turned off this option in XX/XX/XXXX. They mailed back my payment I made in XX/XX/XXXX and automatically started this modification, all the while, I did n't know if I would get a knock on the door with eviction from my home I share with my XXXX boys. I work in the mortgage business. I know the process like the back of my hand. Wells Fargo is a bully and I want them exposed. Bottom line, I want my home. I am capable of making payments. Wells Fargo has crippled my opportunity to refinance my home by first, refusing my payment ( mailing me a check back after cashing my checks for XX/XX/XXXX payment ) and second, by entering me into a XXXX year note, burying me with no value left for me to refinance. I have recieved no Good Faith Estimate, No truth in lending statement ... just a paper statement of what I am supposed to pay for the next 3 months and still not convinced they will " apply '' the payments and take my home. I owe {$89000.00}, the condo is valued at {$110000.00}. Wells Fargo continually sends me foreclosure notifications in the mail, however, on the phone, my " Home Preservation Specialist '' assured me I was n't in foreclosure. Its a stressful/emotianal situation. I want big banks to stop this nonsense. Please look into this as I know they are not doing things ethically.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXpring Oaks Capital Has the accounts open on all three account-XXXX, XXXX and XXXX XXXX I have dispute them and they have remained on my credit reports. Plus they continued to leave this on my credit report and it's been over XXXX years! They undated the report every year as if its a new report! This was supposed to be removed over XXXX years ago! I NEED YOUR HELP PLEASE!!!!!! 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear CFPB Representative, On XX/XX/XXXX I initiated a transfer to my XXXX trading accountoperated and serviced by Coinbase , Inc, in the amount of {$2000.00} There was a disclaimer that the transfer could take up to 5 business days. On XX/XX/XXXX It was confirmed that my deposit was available. I tried to access my account for three weeks with an error upon login that finally turned to " You account has been temporarily suspended ''. I contacted Coinbase for the first time on XX/XX/XXXX ( Case # XXXX ) when my account still did not allow me access. I finally got a response onXX/XX/XXXXwith an email stating " Due to increased volume it may take several days to receive a response. '' I questioned the timeline of when my account would be reviewed and a decision granted and was told " these reviews are typically completed within 4-5 business days ''. 

After being ignored I contacted coinbase again of XX/XX/XXXX and was told by the rep that " Ive just checked your account and can confirm that your request has been properly escalated. '' I emailed again on XX/XX/XXXX, with the same response. I called the company directly with a 2 hour hold and the rep told me " If I told you an estimated time when your account would be reinstated then I would be lying '' I decided to wait a few more weeks. OnXX/XX/XXXX I need the funds for an emergency and contacted them that I will file a CFPB report if I my funds were not transferred back, and that I don't even want to patronize their platform any longer. I opened a new case as well ( Case # XXXX ) and revised the exact same response " Ive just checked your account and can confirm that your request has been properly escalated. ''
Product: Bank account or service

I requested that my bank account with BBVA Compass be closed or at the very least frozen. I wanted to leave this bank initially because they do not have branches in my new state. 
I have been informed repeatedly that they are unable to do either because I would be required to go to a branch and get this done. This does not sound reasonable to me. They insist they have no way to honor my request without my in personal appearance period and that there is no protocol to handle customers who move to a state where there are no branches of their bank. 
Having traveled alot in my life and have held many bank accounts in many states where I was able to close my accounts remotely these answers seem very odd to me. Infact, sound flawed or at least completely wrong. I have requested to speak to the Branch Manager in California where the account was opened but have never warranted a transfer to her extension. 
Please help me get my accounts closed with them. They refuse to honor my request. I have offered to send them a notarized statement ... they say they will not accept it. I have offered to establish a POA with my sister to close this account ... they say I need to be there to submit the POA. I can not win because these people are not practicing ethical banking. Please help me rid myself from them before they completely tank my credit. At this moment they are continuing to charge me bank fees. I will not put any money in their accounts because of their excessive fees and weird posting practices. Now they have me in a negative cycle where they continue to charge me for being over drawn for a particular period ... it could be an every day charge or every 3 day charge I am not certain. I can not look at my account any more I am so disgusted that they have trapped me and are killing my financial health during a time in my life where I really need my good credit history to shine. 
This concerns a checking and savings account. Please note : I could only choose one in the drop down. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

To TransUnion, XXXX, and XXXX, After reviewing my credit report, I have noticed inaccurate information that has been verified as accurate by your bureaus, despite providing evidence to the contrary. This continued reporting of false information violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) and 611 ( a ), which require the information furnished on credit reports to be both accurate and properly verified.

Attached is proof that clearly demonstrates the inaccuracies in question. I ask that you promptly remove this incorrect information from my credit report, as your failure to do so is in violation of my consumer rights. Please ensure that my credit report reflects only verified and accurate data as required by law. 

Thank you for addressing this issue urgently.
Product: Debt collection

I have repeatedly told this company I am not paying this debt due to predatory loan practices as well as requested a hard copy of my loan application and what they used to verify my income. They call me several times a day and on weekends early mornings and after XXXX  at night. The contract I entered was broken and they refused my request to stop payment at the time of installation as product was not installed properly or completed. Now they call us everyday multiple times even when I answer and repeatedly tell them the same thing. This has been happening for months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was sold a car and remained current on my monthly payments until XX/XX/XXXX because of being negatively affected by the pandemic. My hours at work were cut down to 0. With the passing of the Cares Act, I have become aware that the creditor must report the status of my account as current if an agreement was made after I became delinquent and that agreement was fulfilled.

I have documentation of communication and agreement with the creditor. believe that the creditor wasnt aware of the Cares Act, which is a recent law that included provisions to bring fairness to people that were negatively affected by the pandemic. 

Timeline of Events and Agreements In XX/XX/XXXX the car broke down for the 3rd time from the time I bought it in XX/XX/XXXX. I immediately informed the creditor that I would be forced to voluntarily surrender the car. My hours at work had been cut due to covid and the car needed constant repair. 
Per the creditors request I had the car towed to them and was told the next step was it would be auction. I was told I would receive an Explanation of Calculation of Deficiency in the mail. I did not receive that notice until XX/XX/XXXX. The creditor and I reached an agreement that settled the account on XX/XX/XXXX. I completely fulfilled that agreement 2 months early, in XX/XX/XXXX. 
The only missed payments were from XXXX XXXX while waiting to receive the Explanation of Calculation of deficiency. All payments were made in regard to our agreement. The Cares Act cites that if your account is already delinquent and you bring your account to current the creditor must report that you are current on your loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information is part of Equifax 's security breach. I also have a paid membership with Equifax which possibly puts me more at risk.
Product: Money transfer, virtual currency, or money service

This complaint is regarding PayPal. I use them to safely make online purchases with other retailers. I store several different payment methods ( i.e. bank accounts, credit cards as well as PayPal credit options ) withthem. 

I purchased XXXX separate purchases with XXXX on Saturday, XX/XX/XXXX using PayPal. After choosing PayPal as my payor, a window pops up giving you options. 

1 ) I was given the ability to change my payment method from my previous choice.

2 ) I chose PayPal credit ( I have a viable credit line with them that is good standing ), and hit " submit ''.

3 ) The transaction is approved using the PayPal credit.

4 ) However, instead of using PayPal credit as requested, PayPal chose to use a credit card that no longer exists since it was the last one used at XXXX. 
5 ) That credit card was declined and the transactions defaulted to a bank account that I don't maintain a balance.

6 ) I was charged two ( XXXX ), separate {$35.00} NSF fees for those transactions. 
7 ) PayPal refused to reverse those bank transactions and use the PayPal credit as requested AND PayPal is refusing to reimburse me for the XXXX NSF fees. 

I feel that PayPal should have either... 

1 ) Not provided an option for me to change my payment method -OR- 2 ) Declined the transaction using the PayPal credit -OR- 3 ) Informed me that they were going to use the credit cared that was cancelled so that I could let them know to cancel the XXXX transactions. 

Please assist me in getting my NSF fees reimbursed AND inform PayPal of the need to be upfront with transactions like this in the future.
Product: Debt collection

Private information sent to a friends address. There is no reason at all for my personal mail to be sent to someone elses address just to get in contact with me especially a debt collector. Thats illegal
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I transferred XXXX dollars from my Chase account to my XXXX XXXX XXXX account using the chase quick pay function. 
Using the same information I made a total of 12 transactions and 11 of those transactions went through but one of them never went through. 
I submitted a request with Chase bank and they closed my claim saying that the money had been transferred. 
I have spent more than 25 hours waiting on the phone line and trying to talk to representatives from Chase and they have been extremely disrespectful towards me and very dismissive of my predicament. 
I tried to talk to XXXX XXXX XXXX numerous times and met with their representatives. They told me they couldn't help me as the money was never transferred from Chase. 
Finally a XXXX XXXX XXXX branch manager wrote and signed a statement and handed it over to me. That statement is a declaration from XXXX XXXX XXXX that the money was never transferred from Chase but Chase refuses to accept my request or even take my calls anymore. 
Every time I call their customer complaints they keep bouncing me off from one person to another. 
Please please help me. I am so done. This has caused so much stress in my personal life and wasted 03 weeks of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.
Product: Credit reporting or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Checking or savings account

The evening of XX/XX/XXXX I, XXXX XXXX XXXX, completed all my shopping for the day. I used my new XXXX XXXX with 1 percent cash back for using it. I redeemed cash of {$1.00} within the XXXX XXXX  hour. The rules of this contract are that the {$1.00} is added to next purchase. My next purchase was the following morning at XXXX XXXX in XXXX for {$2.00}. My {$1.00} was not in my account nor applied to this purchase. Thank you.
Product: Payday loan

I applied for a loan worth up to XXXX dollars and I was told I had to pay insurance on the loan by purchasing XXXX cards well everytime I purchased the cards I got declined I ended up spending XXXX dollars worth and never received my loan when I was only supposed to pay XXXX dollars worth of insurance the company name was bandwidth the telephone number they used was XXXX they said they were associated lending tree but I believe it was all a scam and now my bank account is in the negative because of these people
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt does not belong to me. Its an ongoing issue with fraudulent accounts appearing in my credit report. First it was XXXX, however now its trans-union. This account is from CBR USA. I have intentionally refrained from using credit as I am a XXXX  veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got my credit checked today XX/XX/2019 because I am trying to buy a new car but I was told that I didn't get approved for the car loan because there are many accounts in negative standing on my credit report. I looked through each of those accounts and none of them are mine. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I discovered that these accounts belong to someone names XXXX XXXX ; I don't know who that person is nor do I have any type of affiliation to that person. I did not benefit anything from these accounts that were opened without my permission such as money, goods, services or any other benefit nor did I ever make any payments or purchases using any of these accounts. I have already filed a police report regarding all of these unauthorized accounts.
Product: Credit reporting or other personal consumer reports

I called all 3 reporting agencies XXXX, XXXX and Equifax!! 
I told them I lost my wallet and sent Police reports!!! 
They have not removed XXXX XXXX  from the account and history!! 
Creditors respond to me, Stated that they see XXXX XXXX  name on all 3 major credit reporting agencies, credit report even while they telling me they are not there!!!! 
This is unfair to tell me deceiving lies and destroy my credit report when I have sent the police report to all 3 reporting agencies!!!!

Proof of unauthorized use and I lost my wallet and not one of these banks closed the account and issued me an another card with my refund Stated by FDIC LAWS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, XXXX and XXXX bank all have either incorrect payment histories, incorrect payment amounts owed and due, also incorrect account status listings.
Product: Credit card

I am writing about a charge that was on my statement and paid that was posted to my Citibank Double Cash account in the amount of {$990.00} posted XX/XX/2023. This was for a software subscription service that was nto provided by the seller. Soon after the amount was paid the provider ( XXXX XXXX, XXXX FL ) shut down his website and disappeared. He did not resond to emails. I notified Citibank and initiated a chargeback of this amount since the service was not provided. The dispute was filed online. It is my undertsanding if the service is not provided I am entitled to a chargeback. Citibank later refused that chargeback which I still dispute. I provided links to the closed wesbite and emails to the operator. As far as I am concerned this is pure fraud. 

This is the website. Shuttered for many months. 
XXXX XXXX XXXX? XXXX & XXXX & XXXX
Product: Credit card

On Tuesday, XXXX XXXX, 2016, I was on the phone with Synchrony Bank, for more than half an hour, addressing a concern to my Walmart 's Card and I also made a payment to my account. However, this morning, Wednesday, XXXX XXXX, 2016, I received a call from Synchrony Bank, at XXXX XXXX., which I did n't answer. However, within an hour, I did contact them, to get the nature of the call. Upon contacting them, I was informed that my account was overdue and I was told that I needed to make a payment to bring the account current. 

After I explained to the customer service representative that I had already made a payment to the account, she told me that it was not noted and that I would have to make the payment again. I asked if she could please verify the information, so I would n't be inconvenienced. However, she responded by saying that she had already checked the records and that a payment had not been made to the account and she suggested that maybe I had n't made a payment, at all. 

I was already upset by the fact that I was contacted at XXXX XXXX. in the morning regarding a matter I had already addressed. But, when she began to behave as if I were not being honest, I was even more upset by this. 

Anyway, I told her I would make the payment, so I could move forward with my day. Because, this is certainly not how I wanted it to began. 

She took the payment information and then insisted that I pay and additional {$15.00}, which had also been addressed the previous day, with another customer service representative. So, I refused and told her that I was completed with this conversation and I needed to get off the phone, so that I could began my day. I had already spent nearly 30 minutes of my morning addressing this redundant and unwarranted phone call. 

After hanging up the phone, I immediately went to the computer to check to see if the payment had been taken out, since I used my debit card to make the payment. Well, to my surprise and dismay, both payments had been removed from my bank account. The one from the previous day and the one I had just made by phone. I was outraged. 

I could n't believe I had wasted my morning addressing an issue that was already taken care of. And thanks to the negligence and inefficiency of Synchrony Bank - Walmarts customer service, now, I had made a double payment, which I never intended to do. 

I immediately contacted them back and demanded a refund of my second payment, which was never required. I feel that I was forced to do something against my will and I also feel that it was unethical practice. 

I was told that I could not have a refund, but the customer service representative told me that she would document what had happened. Well, this was unacceptable.
Product: Mortgage

In XX/XX/XXXX, in response to the nationwide foreclosure crisis, the Treasury Department introduced the HAMP.

In XX/XX/XXXX, XXXX XXXX announced the Second lien Modification Program and therefore the Treasury Department implemented the following Rules : According to the HAMP Rules described in the MHA Handbook v5.1, " When a borrower first lien is modified under the HAMP or a qualifying GSE Standard Modification the servicer must do either of the following : 1. modify loan or extinguish the second lien according to the steps outlined in Section 5. Also it is required that the first lien be permanently modified prior to XX/XX/XXXX.

Thus, the Rules are very clear in that if the first lien is modified prior toXX/XX/XXXX the servicer must dismiss any outstanding foreclosure action.

Flagstar bank is one of the many servicer 's that enter into the Tarp agreement with Department of Treasury and therefore must comply.

On XX/XX/XXXX, we executed a permanent loan modification agreement with the first Servicer, XXXX XXXX XXXX. Because the agreement was executed on XX/XX/XXXX and reported to XXXX XXXX XXXX XXXX XXXX XXXX, prior to XX/XX/XXXX, we meet all HAMP Rules regarding the Second Lien.

Pursuant to the HAMP Rules Flagstar was to : either modify or extinguish the debt. Instead Flagstar engaged in unlawful and deceptive banking practices by ignoring the Federal Rules and providing consent to a third party file a foreclosure action.

As per Federal Rules Flagstar and its accomplices are prohibited from filling a foreclosure action when the first lien has been permanently modified under the HAMP prior to XX/XX/XXXX.

The Treasury Rules were meant to be enforce not just to look at. I ask the Consumer Financial Protection take this complaint seriously. A copy of this complaint will be furnished to the Office of the Internal General. We want to make sure pour complaint is not ignored by the CFPB.
Product: Checking or savings account

I can not link my PNC bank account to XXXX  or any cryptocurrency exchanges. I am being blocked by PNC for trying to use my own money which is unacceptable.