23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

NOTE : THIS COMPLAINT WAS PREVIOUSLY SUBMITTED TO " WELLS FARGO HOME MORTGAGE '' ( CFPB # XXXX ) AND IS CURRENTLY BEING SUBMITTED TO : " Wells Fargo Home Mortgage '' IN EVENT THIS ALTERNATE LISTING IN THE CFPB DATABASE IS THE CORRECT ENTITY TO ADDRESS THIS ISSUE ============================== Hello. Attached is a copy of my most recent mortgage statement dated XX/XX/2019 which references a reinstatement amount. ( Attached - PDF Reference 1 ) I have the ability and am prepared to make such payment in a single installment to being this loan current, although such action requires an updated quote from you. ( Attached PDF - Reference 2 ) Additionally, the mortgage statement makes reference that this amount consists of unpaid advance disbursements but does not fully itemize these amounts. ( Attached PDF - Reference 3 ) This property was subject of a foreclosure sale by Sale Committee on XX/XX/2019, although the report of the Committee has not been marked for judicial consideration ( potential approval ) until XX/XX/2019. 

Finally, there appear to be irregularities in the conduct of your legal counsel within this process with respect to Connecticut General Statue 49-31s regarding the concurrent filing of motions for default and judgment upon non-appearing parties. 

Such concurrent filings might be permitted for instances of abandoned or unoccupied residential buildings, however despite the repeated placement of " XXXX - Vacant '' stickers on an accessory ( storage/garage ) building on the property, there seems to exist no other evidence or rationale to think that this single family home actively occupied by the mortgagor ( me ) had somehow become abandoned property. 

Given the deficiencies in service and process upon me which resulted from this ( apparently ) erroneous application of the accelerated timeline, I ask for ability to reinstate this loan and request such calculation of the reinstatement payment amount in accordance with Connecticut General Statue 49-10a. 

Such payment would be made direct to your organization in single installment within 3 business days of receipt. Please provide wire transfer information ( or alternate remittance instructions ) in your response. Thank you..
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, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Checking or savings account

I called on the XXXX XXXX XXXXXXXX and had a conversation as to why did they put a {$78.00} hold on my account. THey then put everything else I had on hold for 72 hours. I went into the bank to close and they said i had to wait till the hold was lifted off. Now they have p ; ut another hold on my money.They have been rude and cant give me a good explanation as to why they are doing this. THey simply said because we arent giving you your money. Now I cant access my money or close the account.
Product: Debt collection

I did not have money at the time, I asked the representatives for extended payment plan during XXXX XXXX 3 of my credit cards went to debt collect, and we were in a pandemic, since then we did not have any resource of income or what so ever now I have 3 credit card in debt collection wont remove from my credit report stuck, and my XXXX XXXX went down all the way from XXXX to XXXX!
Product: Credit card

Goldman Sachs has mishandled my account, leading to inaccurate derogatory credit reporting, inconsistent and misleading information from customer service agents, and lack of follow-up from management despite numerous promised callbacks. 

Details of the Issue : 1. Mishandling of Account and Credit Reporting : I enrolled in a special payment plan offered by Goldman Sachs. The terms explained to me during enrollment differ significantly from the reporting on my consumer credit report.

I have maintained excellent payment history since opening my account in XXXX  and have never been 30 or more days late. However, Goldman Sachs is now reporting my account as derogatory upon enrollment into the special program. 
The reporting contradicts assurances given by customer service agents ( the most recent contact being on XX/XX/XXXX ) that as long as no payments failed under the payment plan, my account would NOT be reported negatively. 

2. Inconsistent Information from Customer Service : I have spoken with multiple customer service agents who all have provided conflicting information. It appears there is no clear or consistent understanding of the program terms and there is a lack of training. 

3. Lack of Follow-Up from Management : On XX/XX/XXXX I was assured that I would receive a callback from the Tier 3/Advocacy Team on or before XX/XX/XXXX. This requested escalation was initially entered on XX/XX/XXXXXXXX  by a supervisor as Case # XXXX. I was advised on the XX/XX/XXXX call that if the follow up call is not received by XX/XX/XXXX policy was not followed. As of the submission of this complaint the callback has not been received. 
Additionally it has appears several cases have been opened regarding the same issue, yet none have been resolved. 

I am currently suffering harm by inaccurate reporting : This inaccurate derogatory reporting has caused significant harm to my financial stability and well-being. 
I am currently in the process of closing on a home, and this negative credit reporting is jeopardizing my ability to secure the mortgage, which may ultimately prevent me from closing on the home. 
If I can not close on the home as planned, my family and I face the risk of being displaced. I have spent countless hours on the phone with customer service with no resolution. This situation has created extreme emotional stress and uncertainty, which could have been avoided with accurate reporting and proper follow-up from Goldman Sachs XXXX 

The ongoing mismanagement, lack of accountability, and failure to follow through on promised actions by Goldman Sachs have caused undue financial and emotional hardship. I am requesting the CFPBs assistance to ensure these issues are resolved promptly and that Goldman Sachs is held accountable for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account Number # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX 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.
Product: Credit reporting or other personal consumer reports

Despite the compelling evidence I provided and the absolute lack of verification from the purported creditors, you have inexplicably chosen to ignore my pleas for assistance. 
The fraudulent accounts that I insist be addressed are as follows : XXXX XXXXXXXX XXXX XXXXXXXX Your apparent indifference to my repeated requests for resolution is nothing short of scandalous. 
Your egregious failure to uphold these obligations has caused severe harm to my financial well-being and emotional distress that I can no longer tolerate. I will not stand by idly while your organization continues to neglect its responsibilities.
Product: Money transfer, virtual currency, or money service

PAYPAL Reference Nos. : XXXX, XXXX, XXXX Reference is made to the above issues that have been discussed and escalated with Customer Service over the past month . Deposits were made from my PayPal account to XXXX that were deposited to another account in error. The transfers from PayPal were sent to the wrong XXXX account in error. The transfers were for the sums of {$1000.00} ( Trace ID # XXXX ) and {$350.00} ( Trace ID # XXXX ) The proper XXXX account was XXXX and the funds went to account # XXXX. 

XXXX has confirmed that the funds in fact went into the wrong account and they are willing to correct the problem. Their advice is that the proper procedure is for the sender, PayPal, to request the return of funds from XXXX ( now XXXX XXXX ) and submit a Letter of Indemnity in the form that I have given to PayPal. 

I have contacted PayPal no less than a dozen times and they simply fail and refuse to request the return of funds from XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and I notice accounts in a charged off status that is not accurate. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.The following accounts are inaccurate XXXX, XXXX and XXXX, they are strictly in violation of U.S Code 1601b verbatim in its entirety. Also, please investigate and provide proof if these companies submitted a 1099-C, if so, they then recieved a tax grace out and still negatively affecting and violating my rights which is also illegal. If proof cant be provided I DEMAND these accounts to be deleted, if not please pay the invoice attached. Even in the screenshots you can see the inaccuracy of the reporting. Thanks! Please see screenshots and invoice attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

INCORRECT INFORMATION IS IN MY REPORT. XXXX XXXX  XX/XX/2021 {$37000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX and Equifax to correct incorrect information that is showing on my credit report. Both companies are refusing to delete the incorrect reporting information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected. Both companies have been given several chances to update the information. Instead, I am getting that the accounts have been verified. How can an account be verified when the information reporting inaccurate. Equifax disputes on this account was done on XX/XX/, XX/XX/ and XX/XX/. Each time the information came back verified. Experian disputes was done on XX/XX/2023 XX/XX/ and XX/XX/2023. 

According to the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ), I have the right to dispute incomplete or inaccurate information in my credit file. In compliance with this act, I formally dispute the following charge-off accounts : Acceptance now and
Product: Credit reporting, credit repair services, or other personal consumer reports

this account from XXXX XXXX does not and should not have any delinquencies, i have already submitted the letter from the creditor itself to all three major credit bureaus, experian and XXXX have not removed this inaccuracy yet, please find attached the creditors letter for which they have approved of doing so. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I put in a dispute was put in with XXXX on XX/XX/2023. I didn't receive the results of the investigation after 30 days. I then filed a complaint with the CFPB on XX/XX/2023 stating that XXXX was in violation of FCRA. The results were supposed to be updated within 15 days which would have been XX/XX/2023. I'm now filing a second complaint with the CFPB because it has been 24 days and i have not received results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureau. Lets correct this immediately. The XXXX Credit Bureau are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit card

Navy Federal Credit Union closed my checking and savings account and also closed my credit card account.. They were saying that my information on my XXXX accounts didnt match. Every time I called they could not tell me what information it was in order for me to correct the problem. I even asked for a paper to fill out from the security department to try to correct the information but they never got back to me. The agents on the phone still could or would not tell me anything about my account. This was done several times in XXXX  Cant remember the exact months but it was done several times through the year.
Product: Money transfer, virtual currency, or money service

I zelled from my bank Wells Fargo to the recipients name XXXX XXXX to XXXX XXXX the amount {$940.00} on XXXX to buy a product from them and got scam by them, they dont send the product to me and dont give my money back, I tried to report as fraud thru my bank but I got denied, I have proof and all their information thru messages from XXXX that they ignored me and wan na scam me for money, I just want my money back please help
Product: Checking or savings account

I had {$24.00} in my account then out of no where I'm credited about {$180.00}. I've got over {$200.00} in my account XX/XX/XXXX, when I'm suppose to have {$24.00}. I called WellsFargo told them what happened but the said nothing was wrong. ( You see WF makes all the adjustments on the balance sheet your looking at and WF goes back days or weeks to make it look right. The only way I can prove this happened is if I took pictures with a different camera and I did of my account when this happened because now everything was adjusted back like it never happened. ) I looked at all of my transactions but it looked like all went through. I told the Representative this has happened before. You gave me {$200.00} when my balance was low so I withdrew it. When it hit XXXX that day you sent me a message my account was overdrawn and that I was going to be charged fees. I fought with you over the phone but it wasn't until the last conversation you reversed the charges. So on this occasion same thing happened my account was low in money ( setting up the trap for the Overdraft protection Charge ) you send me over {$200.00}. Except this time I leave it because I know it's a trap. By the next day you send me a notice saying my transaction for XXXX went through just now on the XXXX. ( Which is a lie because if my transaction didn't go through 5 days earlier I wouldn't have my package by the XXXX. ) Now that {$200.00} plus has disappeared and my account is back to normal. 
It's a SCAM and it's written into a program of theirs to do it to its customers so they get caught by overdraft protection if the consumer is not paying attention to their transactions and balance. 
This is the XXXX time WF has.done this to me
Product: Credit card

I was scammed out if {$510.00} by a person pretending to be a book editor. When she demanded more money and got nasty, I knew I made a mistake. Despite immediately disputing this twice, providing copies of texts, they paid her. I got nothing from her and she doesnt have my manuscript for review. She demands another {$1700.00}. There is an online history of XXXX XXXX ripping people off. My credit card company went against me and XXXX did nothing. They continue to allow her scamming of victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. Each Account is in the document attached to the complaint I demand that the following account be verified or removed immediately :
Product: Debt collection

I received phone calls from Trident Asset Management looking to collect of a debt that was stemming from a 2014 case of ID theft. I explained to the contact there that that I had a documented case of IDT and it was reported to the major credit bureaus and filed police reports. I did not hear back from them for several months. I have recently been receiving demand letters from XXXX XXXX XXXX of Trident Asset Management. I sent her a certified letter with a copy of my police report proving my claim of the false debt and am continuing to receive demand letters from her. Stating that if I do not respond in writing within 30 days they will consider the debt valid and have a judgement made against me. I keep responding and they keep sending me letter telling me that they are going to get a judgment.
Product: Credit card or prepaid card

On my XX/XX/2020 statement, a late fee of {$27.00} was refunded, and Synchrony Bank services was supposed to remove associated interest as well. They forgot to remove it. 
As a result - the following fees have accrued - and Synchrony Bank must refund them. 

Additionally - Synchrony Bank must correct their reporting to various Credit Agencies ( XXXX, XXXX, XXXX  ) from delinquent to normal. 

XX/XX/2020 {$4.00} XX/XX/2020 {$1.00} XX/XX/2020 {$7.00} XX/XX/2020 {$1.00} Total {$15.00}
Product: Credit card

I have problems making payments with Department stores XXXX XXXX becouse the covid 19 pandemic also I been trayig to negotiate to make payments with them and maybe they can anderstand I loss my job for the covid 19 Pandemic but the company didn't want negotiate so they send my to collection with portfolio Recovery company and this affect m credit score very badly
Product: Debt collection

Today once again this company has placed a debt on my credit i do not owe. It has been previously blocked after placing the FTC report months ago and I believe it added the balances together to resubmit a different amount. If it is somehow a new debt I could not possibly owe it since my platinum ppo blue shield health plan covers 100 % of hospital visits and it is a billing error on the part of XXXX. This is the abuse that can cripple chances for folks to ever get ahead. I have attached a copy of my health info witch would completely invalidate such a debt. 

This is nothing short of extortion.
Product: Mortgage

I'm pre-paying my mortgage with Franklin American Mortgage. I was told that as long as a payment was under the amount due it would be applied to principle. They lied. Multiple times I've submitted separate payments which they then combine and pay multiple months. I feel like I'm constantly being overcharged interest and only twice received a corrected monthly interest statement. 

Then they insist on wanting to know who the subscriber is on my cell phone. This is NONE of their business. This is despite the fact I've stated it is my cell phone. 

I feel like I'm dealing with a bunch of charlatans who want to sell my personal information rather than protect my privacy or provide security and over charge me mortgage interest.
Product: Money transfer, virtual currency, or money service

Hi, 2 weeks ago I linked an account in order to make deposit on Coinbase. So I just sent XXXX euros and the day after my account was linked and the XXXX euros were on the account. 

The XX/XX/XXXX I did a XXXX euros deposit through the internet site of my bank ( who has coinfirmed that the money went through ) to coinbase account, but instead of doing it from the linked account I did a mistake and sent it from another one ( Which is also at my name ). I used the same code as the linked account to put as an information for the deposit. 

On their internet site they say that in such case the money would be refunded under 10 days. So far it has not been refunded. And since the XX/XX/XXXX, I am sending requests through their website, and I have got no answer. 

I thought I could try to link the account afterward but as the BIC ( Bank identifier Code ) number is identitical from the other one ( of course it is the same bank ), it won't let me do it, there is an error message. 

AS I thought I just had to wait for a refund and I'd get soon a reply to my request, I then sent again XXXX euros from the linked account the XX/XX/XXXX. Coinbase say on their internet site that for SEPA transfer from XXXX it takes 2 to 3 business days. But so far nothing. The worst is, as already said, you have absolutely no one from their customer service to reassure you and answer your requests in an normal delay, which should be the mnimum with this kind of money service. I am let totally in the dark. 

I am a XXXX  citizen but as the customer service is only based in the US I have no other way than making a request through CFPB. 

Could you help me? 

Thanks
Product: Debt collection

The Citi Bank credit card in question was closed and paid in full with XXXX balance as of XX/XX/2022. No other activity had occurred from me. The card keep auto attempting to chard a payment to my Check account with XXXX  XXXX XXXX. My Bank representative filed a fraud complaint and it stopped until recently. 

They contacted me that I have an outstanding balance because they credited my check account by {$150.00}. They did not credit my back account nd there has been XXXX activity. 

I have call 5 different representatives over the phone and explained there is no active account and any claims for charges are fraudulent. 

They will not stop and I need you to avail your assistance. 

I have a letter from the XXXX XXXXXXXX XXXX representative who can verify that their claims are false and no activity from Citi Card with my checking account has accured since the account was closed XX/XX/2022.
Product: Money transfer, virtual currency, or money service

They freeze my account then in freeze. Then I make a payment and it refreezes over and over and no one will help me