23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

So currently I am trying to get my mortgage company freedom mortgage to drop the taxes and homeowners from escrow. The company that I originally started with prior to freedom acquiring it did not have any requirements for keeping it in escrow. XXXX is refusing to allow me to drop it. They were not paying my taxes on time in the spring causing issues for me to pull zoning permits with the town because my taxes were delinquent. I had to call numerous times to get it straightened out. I want to pay the outstanding balance of XXXX XXXX  for taxes and insurance going up and then only pay my mortgage payment and pmi. It's been an ongoing struggle dealing with them and I would rather pay for my own stuff then continue to fight with them.
Product: Mortgage

For several months my mortgage statements have reflected charges labeled as other charges which are not principal, interest, or escrow. Multiple calls have been made to Fay Servicing, who is the servicer, in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get an explanation of said charges. At no point could charges be validated or explained but yet they reoccur and late fees are being charged based upon it. Fay Servicing has been lees than truthful and made other errors on our mortgage in the past which all can be proven. Fay servicing will not receive money that is not due. Our mortgage is and has been current. It would appear that Fay Servicing is engaging in predatory practices and with as many complaints as they have there couldnt be a servicer more deserving of governmental oversight. If there is no resolution to the current issues within 30 days we will be forced to take other action which, after initiating, there will be no recourse.
Product: Credit card

On XX/XX/year> I contacted JPMC customer service with questions about the upcoming launch of the XXXX XXXX  XXXX. I was specifically assured that as an authorized user of the Chase Sapphire Reserve XXXX XXXX  that I would be able to add the CSR to my XXXX XXXX XXXX. However, when the XXXX XXXX XXXX launched in the past few days I have been unable to add my CSR credit card and now JPMC customer service is walking back their prior comments. This is 1000 % unacceptable ( see supporting documentation )!
Product: Credit card or prepaid card

My payment was due on XX/XX/XXXX. Days prior I used the online payment system and selected the " pay minimum payment '' option which was auto set at {$29.00}. I paid it and the money was taken form my account and posted to my card on XX/XX/XXXX. I then get a notice today XX/XX/XXXX that I am past due {$1.00} and have been charged a {$29.00} late fee. 

I called the company, capital one, to settle the discrepancy. I explained to them that I chose the minimum payment option which was set by capital one to be {$29.00}. They informed me that it was actually {$30.00}, that I owed {$1.00} and they could not wave the late fee of {$29.00}. 

I paid the minimum payment which was reflected to be {$29.00} on time. Capital one refuses to lift the late fee and says I still owe them {$1.00}. The {$1.00} is not the problem. The problem is that their system reflected a {$29.00} minimum payment which I paid, on time. So a {$29.00} payment is not costing me an additional {$30.00}. That is criminal.
Product: Debt collection

This company uses scare and intimidation tactics to collect on their debt. We noticed them that this is a recorded line and that we are asking them to not call until after XXXX becasue this is a business peak time. They continued to call 16 times and even called our neighboring business lied to them and said something is wrong wth our phones and asked them to walk over and hand is a phone. We asked them to communicate via email and not call our business line yet they continue to do so. We have recorded calls and phone logs of the abuse and harrassment but they do n't seem to care.
Product: Debt collection

CFPB, I have previously submitted a complaint against XXXX XXXX on behalf of my spouse, XXXX XXXX. The CFPB case number for that complaint is XXXX. XXXX XXXX has recently sent my wife 's account back to collections and we now have a higher balance than before. Previously, the collections ceased and we no longer owed XXXX XXXX anything.
Product: Debt collection

Repeatedly calling my number for a person not at this number. Have told them they have the wrong number but still calling but not responding to my " hello ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Fortiva account i am not aware of this as well as the credit one I have a complaint filed on this credit compang for not securing my info.i had my partner talk to them and no verification process nor asking consent from me but all was told to my partner.and that is the reason why i called to them is someone opened an accoint under my mame so i am not surprised that theyet some one used my name. 
All the i quiry is note.i was in XXXX for 10 days still recovering till now i was sick from XXXX and just revoreing now
Product: Debt collection

This company Phoenix Financial Services has placed 2 collections on my credit report that I do not own. Sometimes last year I disputed this same debt with XXXX and the collection was removed. I also contacted the original creditor who reported to me to file a complaint as well as dispute with the credit bureaus. I have also been informed that this company refuses to practice according to the FDCRA and properly validate collections that they are placing on consumer credit reports. 

These accounts are continued to report on my credit reports and they have not been validated according to the FDCRA, which is a direct violation of the FDCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My daughter recently applied for a mortgage through Wells Fargo in XXXX Ct. I owed her approximately {$5000.00} so for her closing I transfered this money to her. Well Fargo then required I provide the account number this money was transfered from. In addition they requested a copy of my bank statement for the month showing the transfer. They did not provide any privacy information or tell me how this would be used. I felt that this could be part of a scam and preferred not sharing sensitive account numbers. They would not allow the closing until this information was provided. They still have not sent me their privacy and sharing policy. I feel this was an invasion of my privacy since I was not the XXXX applying fpr the mortgage.
Product: Mortgage

I just want to follow up with a previous complaint about Nationstar and their fraudulent customer service practices. I received a call from Nationstar and the person handling my account XXXX XXXX # XXXX. I missed the call and a minute later called back and could n't reach her. I left a voice message. A minute ago, I get a call from the same number and they hang up. I call back and I get the voice mail of XXXX XXXX. I called from my work number and it said the # was n't a working number or the call could n't be completed as dialed. How is that possible when I just received a call from someone from nationstar who hung up right as I answered? This is the customer service issues I am experiencing and have been experiencing since my morrgage was transferred over to this company. Until some government entity intervenes and investigates I am stuck dealing with this deceptive company and their questionable business practices and tactics to steal my home. Again, please help.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX  XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXXXXXX XXXXXX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXXXX/XX/XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$800.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$440.00} ; XXXX XX/XX/2023.
Product: Debt collection

YOUR COMPLAINT I am not liable for this debt of XXXX with Midland Cred, Midland Credit Management Account Number XXXX : **** I do not have a contract with MidLand Credit Management, they did not provide me with the original contract as I requested with my wet signature and ID verification. 
XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi the only name I go by is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This issue has been reoccurring since last XXXX with the 3 credit bureaus. I sent in documents on multiple occasions showing the address that were on file was not mine, I even sent in my drivers license and proof of address. I asked for the information to be updated and they still to this day refuse to update it. I explained that there were multiple accounts that I did not have access to and for them to send proof as to where they're receiving this information. They have yet to send proof. After the 3rd letter around XX/XX/XXXXI asked them to delete the accounts and the addresses that didn't belong to me and they ignored me. I know I'm not a professional company but I feel as thought they're being rude and not honoring my rights as a consumer. The accounts that I asked for proof of are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX
Product: Credit card

Over XXXX XXXX XXXX XXXX in disputed charges not credited back to My account
Product: Mortgage

Wells Fargo Loan # XXXX XXXX XXXX XXXX XXXX Ct, XXXX XXXX CA XXXX Wells Fargo has countered the buyer on this property without having done an interior appraisal. When we confronted the negotiator regarding a lack interior access and we requested a copy of the appraisal they have on file, the negotiator discussed the request with her manager. Her manager stated Wells Fargo does not have to provide a copy of their appraisal, and therefore does not have to comply with the XXXX Valuations Rule. 

We believe, in fact, there is no appraisal on file at all. We believe Wells Fargo has either an automated value or a drive-by BPO on file. To label either of these as an appraisal is Fraud. 

The homeowner has stated they have not given interior access to anyone from the bank. We believe their reluctance to do so is because it does n't actually exist and they simply made XXXX up. 

This is very odd. Unfortunately this is not the first time management at WF stated they are not do not have to comply with State, Federal or CFPB guidelines. They think it is a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old and inaccurate information remains on my resident screening report which is not allowing me to be approved for new rental housing.
Product: Credit reporting or other personal consumer reports

XXXX : Experian, XXXX, or XXXX XXXX Name : XXXX Previous CFPB Complaint # XXXX Previous Complaint Date : XX/XX/XXXX The reason given by the supervisor for not removing your accounts : We don't remove negative items. 

I am submitting this formal complaint regarding [ CREDIT BUREAU ] 's violations of the Fair Credit Reporting Act ( FCRA ), specifically XXXX and XXXX, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ Insert Date of Initial Complaint ], I disputed several fraudulent accounts and provided [ CREDIT BUREAU ] with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, [ CREDIT BUREAU ] failed to block the disputed items within the XXXX business days required by XXXX and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating XXXXXXXX XXXX mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the XXXX XXXX bulletin underscores [ CREDIT BUREAU ] 's failure to uphold consumer protections under the FCRA. 
atter fairly and expeditiously, I request that [ CREDIT BUREAU ] take the following actions : block the fraudulent items from my credit report as mandated by FCRA XXXX ; conduct a comprehensive reinvestigation of all disputed accounts in accordance with FCRA XXXX ; provide detailed documentation of the verification process, including the identity of all furnishers or XXXX-party
Product: Money transfer, virtual currency, or money service

I previously filed a complaint here almost 6 months ago about my coinbase account being hacked. 
I got a response from Coinbase telling me that I would be sent instructions on how to get back into my account. 
However, since getting a reply through here I have still not received any help from Coinbase support. I have sent 5 more emails to Coinbase to try and gain access to my account ( XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX and XXXX ). I have still not received a single email or phone call from Coinbase. I want to know what I need to do in order to access my account that was hacked! Thank you
Product: Debt collection

On X/XX/2017 I sent certified letters to theXXXX, XXXX, XXXX asking for a letter of validation for National Credit Systems for the amount of {$2300.00} all credit Bureau is saying acccount is valid but they have not sent what i requested which was written documentation that I signed showing its valid. On X/XX/2017 I sent another letter asking for the same information received another letter stating valided account but no further information.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX I sent an amount of XXXX dollars to hold deposit for my XXXX in XXXX for the XXXX of XXXX my coordinator resigned from the place which is XXXX XXXX XXXX XXXX I been calling theses people no stop to give me a new coordinator and my XXXX also left they have no XXXX left and their is nothing left for me at this point the whole point was for me to get my XXXX and they dont not answer the phone at the facility Ive left several of voicemails and nothing Im going to invest my money somewhere else where people answer and not walk out of a XXXX facility I dont have time for XXXX XXXX XXXX  XXXX no sense and ps I dont live in XXXX I live in XXXX XXXX XXXX is now relocated at a facility called XXXX XXXX XXXX I no longer want to continue with this XXXX thank you
Product: Debt collection

I have about 20 hard inquiries on my credit report from all 3 of the major bureaus. I never authorized these and I also have a collection from XXXX and Tempoe and Tempoe turned over the debt to another company called XXXX XXXX. All of this is unauthorized and I dont owe any debt and I didnt apply for a credit or anything else. I need all of this removed off my credit report immediately.
Product: Mortgage

XXXX XXXX and his team are horrible people first we get pre qualified and when we find a home we send the loan into underwring then at the last minute they said we were denied by the underwriter. ( no letter of explanation received ) so XXXX promises that he has a different underwriter that he spoke to and we will have no problem getting it right through with them the new company. So now nothing is wright they do n't have any of our paper work they needed everything all over again my credit was polled over 6 times just by them and there making me do all this to my accounts on my credit that it dropped my score so low we did n't qualify for the loan now. I even asked him several time if it do this it wo n't effect my score and every time he said no we will be fine. For his team of loan processor s they are just as bad they will tell us one thing then the next day they say no that 's wrong. So back to the loan underwriters come to find out XXXX XXXX left nova home loans the original company we were dealing with and started at XXXX is the same time our loan was denied and our file was sent to XXXX still have yet to receive a letter of explanation for the reasons we were denied in the first place I thought that was required by law.
Product: Checking or savings account

Long story so please allow us to list events by dates to complain about Chase fraud prevention weakness, flawed account opening process, disorganized fraud investigation process, and missing customer remediation procedure. 

XX/XX/XXXX - got connected by NJ XXXX that our record home address was changed due to fraud, needs to stop by to make new license and change registration and title. Our friend in XXXX experienced the same issue where the fraudster used the fake driver license and took out {$8000.00} cash from the counter. As a result of this alert, we called Chase and went into the branch asking what could we add to the account to flag potential fraud crimes on my accounts. Teller in XXXX NJ branch said nothing could be done. We call Chase and added a voice security code. Subsequently we started to lower the amount from the checking account ourselves to prevent fraud withdrawal. 

XX/XX/XXXX - I received t-bill matured deposit of {$110000.00}. Before that my checking account balance was less than {$1000.00}. 

XX/XX/XXXX - We didn't get any alert but when I logged onto the website to do billpay and noticed a pending online transfer in the amount of {$86000.00}. transaction # XXXX Same day, we went into the branch asking about what's going on and filed claim. 

XX/XX/XXXX - The account triggered over draft because I have scheduled a re-investment of T-Bill with face value {$110000.00} ( with purchase amount {$100000.00}, interest discount $ {$490.00} ) XXXX first got the fund and posted the transaction. 

Later XX/XX/XXXX - we got the letter that the transaction despite triggered Over Draft, got rejected. We never got any explanation why. 

XX/XX/XXXX - A letter in the mail arrived with investigation conclusion date of XX/XX/2023 saying that the online transfer of {$86000.00} was deemed as authorized, thus no adjustment is applied to my account. 

During this entire period, me or my husband, or both almost in the branch every day explaining or providing different types of materials, information, but the fund was gone from our account and never got any explanation around : 1. how fraudster is allowed to open a new business checking account with only the fraudulent driver license ID ( we never had any access to that new account listed under my husband 's name ) 2. why we were not provided with provisional credit to maintain operational needs of this account for paying my already scheduled transactions and either triggered late fee payments, or forfeited t-bill interests 3. disconnected information around when our issue will be resolved.

20 days now, as a consumer with Chase for over 20 years, I have no clue where the {$86000.00} is at, at the fake new business checking account, taken out by fraudster already, in Chase 's suspense account, or whatever. 

Teller at the XXXXXXXX Branch was not showing any sympathy although she witnessed we in and out of the branch everyday for 3 weeks, and gave me a nasty look when i was expressing my frustration about the backoffice procedure today XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I have reviewed EVERY Experian credit report since XXXX and I found a lot of inconsistencies worth noting. Experian has not adhered to the standards of fair credit reporting in that they kept listing accounts as Past Due when they were included in the Bankruptcy XX/XX/XXXX Discharge, they increased and decreased my credit score randomly over the past 4 years and most recently they decreased my score by XXXX points with NO CHANGE IN MY CREDIT ACCOUNTS, they just changed my " Good '' payment history to " Fair '' with no change in any of my credit accounts and my credit score is XXXX points LOWER than XXXX ( XXXX ) and XXXX ( XXXX ) even though they are all using the exact same data. I filed for bankruptcy in XX/XX/XXXX -- which was almost XXXX YEARS ago. Since that time I had had no late payments, no over use of credit but Experian refuses to increase my score to reflect my good credit management over these past XXXX years. This is fraudulent and unfair.