23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Guild has already promised to make me whole in the following matter, but I am filing this complaint for the benefit of others similarly situated who are not aware that Guild is mishandling their account to its own advantage. 

Earlier in 2022, I took out a conventional fixed-rate mortgage from Guild Mortgage Company in connection with a new home purchase. As is routine and expected, Guild promptly sold the note while continuing to service the loan. 

I recently received a letter from Guild, stating that " As a result of an examination of your mortgage loan file, a refund for appraisal fees we collected in the amount of {$150.00} is being made for your benefit and applied to your loan as a principal reduction. '' This {$150.00} fee coincides with a line item " Appraisal Fee - Review '' which appeared on my XXXX settlement statement at closing. My presumption, which Guild did not deny when I alleged it in correspondence with them, is that no such review ever actually occurred ( Guild chose the appraiser, so why bother? ) and so they had no basis for charging this fee.

This {$150.00} fee is a cost that I paid out-of-pocket at closing time, so Guild should have sent me a refund check rather than applying it to my principal balance. Furthermore, even if I had financed my closing costs, they should have given me a credit for the interest which has accrued on the {$150.00} since closing.

By applying the {$150.00} to my principal balance rather than paying it to me directly, Guild was being unjustly enriched at my expense because prevailing mortgage rates, and even treasury rates, have now risen significantly higher than the fixed rate that I received. Until such time as my loan matures and the final payment has to be remitted to the note-holder, the {$150.00} credit to my principal balance is nothing but a bookkeeping entry. By postponing any actual payment until that time, Guild effectively gets to piggyback on my favorable loan terms and invest the money elsewhere at higher yields, taking the same opportunity away from me.

Guild immediately folded when I confronted them and has promised to reverse the principal credit and send me a {$150.00} check instead. They evaded my questions as to why they took these actions in the first place. There are likely many other borrowers in the same situation as mine whom Guild has still not properly compensated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the same XXXX XXXX account with Equifax multiple times as this account has been closed for over 4 years and they are illegally reporting it as open. I filed a complaint with the CFPB in XX/XX/2021 ( XXXX ) again about this account as it had sat in dispute status for over 2 years with no resolution. Equifax stated they would request information from the furnishing company to resolve the dispute and the CFPB closed the case. It has been over 7 months now and this account is still being reported by Equifax as open and being disputed. Equifax continues to violate Section 313b of the FACT Act and by law are to delete this account or face financial fines and penalties for their failure to provide accurate and current information and to resolve this issue within 45 days. Both the XXXX  and the CFPB continue to let this company get by with merely stating they will check with their data supplier and are not holding this company accountable for their failure to follow the law. This can not be attributed to any COVID issues either as it has been in dispute for almost 3 years. The XXXX XXXX account needs to be deleted now or I am requesting this company be held liable for their violation to the full extent of the law and all accompanying fines and penalties for their willful neglect to follow it.
Product: Credit card

I am submitting a formal complaint against Synchrony Bank for their mishandling of my dispute claim and their failure to properly investigate and resolve the matter. I also challenge Synchrony Banks decision to void my request to redispute the claim and reassess their investigation, which was detailed in their letters dated XX/XX/2024, and XX/XX/2024. 

Summary of Dispute The dispute involves a transaction with a merchant who failed to deliver a satisfactory product and service as agreed. Despite providing Synchrony Bank with thorough supporting documentation to substantiate my claim, the banks investigation contained multiple inaccuracies and procedural errors that ultimately led to an unresolved and unjust outcome. 

Key Issues 1.Inadequate Investigation Synchrony Bank did not thoroughly investigate the dispute, ignoring key evidence that I provided, including [ specific documents, receipts, or correspondence ].

Procedural oversight in their investigation resulted in conclusions that do not align with the facts or evidence presented.

2.Improper Handling of Redispute Request I submitted a formal request to redispute the claim and for reassessment of the investigations conclusions. However, Synchrony Bank voided my request without proper justification, violating my rights as a consumer under applicable regulations.

3.Lack of Communication and Resolution Synchrony Bank failed to provide a satisfactory explanation of their investigation and final decision. 
As of today, my dispute remains unresolved, causing undue stress and financial hardship.
Product: Credit card

This was for my Citibank card. I had an autopay that usually pays in full but I moved across the country and had more charges than usual, so I changed that payment to {$1700.00}, an amount well over the minimum required. At least that's what I thought but I must have accidentally created another payment of {$1700.00} because two {$1700.00} payments were taken on XX/XX/2023. I spent hours calling that day and several days after to get one of the payments reversed, and even spoke with a manager who assured me it would be reversed. It was never reversed and this has had a big negative financial impact on me. This should be a simple and easy process. It should not have been difficult to reverse one of those payments. I have been a stellar cardholder for years and never missed a payment. 

In addition, I have continual fraud alerts with both Citibank cards I have. Every time I have to call to verify information, the process is inconsistent ( meaning they ask numerous questions that are different each time ) and it takes at least 30 minutes each time. The last time was this morning and they had to cancel my card. I told them that I don't want another one. Communication and hold/wait times are atrocious, as again, this should be a fairly simple process. I will not have a Citibank card again.
Product: Debt collection

On XX/XX/XXXX, I mailed Credence Resource Management , LLC a letter which which contained an FTC Identity Theft Report explaining I am a victim of Identity Theft with an Identity Theft Report. Credence Resource Management , LLC received this letter on XX/XX/XXXX, which was mailed through the US Post office, USPS Certified Mail, Return Receipt No : XXXX. They responded with a letter stating I requested them to verify the account, which I did not. They continue reporting this fraudulent account to the major Credit Bureaus, who were also notified of the Identity Theft. XXXX XXXX XXXX, who Credence claims they are collecting on behalf of, were also notified of the Identity Theft and claimed Credence did not notify them about anything I mailed them nor have any knowledge on who they are. Credence continues to report this fraudulent account after they were notified by me to remove this fraudulent account from my credit reports and conduct an investigation into this matter.
Product: Mortgage

Flagstar blocked the access to process our payments online due to a block- according to them our bank wasnt letting payments going thought. I went into a branch to make a payment with cash- they refused to accept my payment because I needed to have verified funds ( I am not sure how cash is not verified funds ). I was told to get a cashiers check or money order and mail payment- I overnighted to payment to flagstar bank- the address I was provided by agent reps and branch- Now the payment is not located. I have attempted to call and fix the issue with them and they are making it impossible to correct the payment. I need the payment to be backdated to when the payment was received. I have called them and provided check number and when they cashed the check and they are still refusing the help.
Product: Checking or savings account

significant concerns about the banks new policies. using their enormous market power to discriminate against customers based on lawful firearm-related business activities.
Product: Credit reporting or other personal consumer reports

Have submitted complaints to XXXX, Experian, and XXXX, concerning a XXXX XXXX account on my credit report that is against fcra regulations and not only is the account closed and they wrote it off but they also have a balance of {$380.00} on a credit limit of {$300.00}. This is completely wrong because there's no way you can have that much over each on that type of limit. They do not want to adhere to the law and remove it they just do a quick access of it and put it back as verified when it's not verified because the amounts are wrong all they have to do is look at it. I'm not being mean or trying to sound mean by no means. I'm asking that you get after these people and make them get this off my credit because it's destroying what little bit of a credit score I have. Thank you for your time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX # XXXX Account name : XXXXXXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX 15USC1681 section 602a states I have the right to privacy.

15USC1681 section 602a Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c ( a ) ( 5 ) section states : No consumer reportin 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.

15USC1681s-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 inacurate.

15US Code 6802 : Obligations with respect to disclosures of personal information. ( a ) Notice requirements except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) in general a financial institution may not disclose nonpublic personal information to a nonaffiiated third party unless- ( a ) such financial institution clearly and conspicuously discloses to the soncumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ( b ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( c ) the consumer is given an expalanation of how consumer can exercise that nondisclosure option.
Product: Checking or savings account

Yesterday, I was scheduled to receive my paycheck, but due to a technical glitch with Capital One, I was unable to access my funds. Consequently, I was unable to purchase fuel for transportation to work, resulting in a loss of {$200.00} for the day. 
Furthermore, I have been charged a late fee for rent, amounting to {$100.00}. Therefore, my current financial situation is negative, with a total loss of {$300.00} due to the Capital One issue, which I only recently switched to. This situation is highly unfortunate.
Product: Student loan

LastXX/XX/XXXX, I had received a letter in the mail from Navient asking that I call to handle something on my account for the coming tax year. When I called, the gentleman I spoke with gave me the good news that my subsidized Stafford loan would be paid off in XX/XX/XXXXof this year ( XX/XX/XXXX ), thus lowering my overall payment by approximately {$50.00}. I remember logging into my account to see this for myself, and sure enough, it was nearly paid off. However, I have noticed the last four months that the balance has increased from that point, and I am still paying on a loan that I was told was nearly entirely paid. Because I can not access past statements and because this was discussed with a Navient employee over the phone, I have no way to prove this. I do n't know what to do, but I know I am being taken advantage of. Please help me uncover the truth so I can get this corrected and so it does not happen to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first contacted Equifax regarding inaccurate information reporting on my credit report from a collection company  XXXX   XXXX   XXXX    XXXX    and  XXXX   XXXX  reporting several accounts that are not mine which was the basis of my dispute in    XXXX   XXXX   XXXX  .  Not only do these accounts not belong to me but the collection agency   XXXX   XXXX   XXXX   XXXX   are not bonded or licensed in the state of  XXXX  to collect debt under the  XXXX   Finance Code . Equifax returned these accounts as " verified ''. I then submitted a certified request in  XXXX  asking for method of verification which I am entitled to. No response from Equifax. In  XXXX  I sent another certified letter requesting that this inaccurate information be removed from my report or that I am sent actual proof that these debt belongs to me. On    XXXX   XXXX   XXXX       XXXX   XXXX  was removed from my report. I was relieved to think I was finally making progress. That was short lived when  two  days later on  XXXX   XXXX , I received an alert from my credit monitoring service that I had a " new collection account added to my report ''. I checked and it was in fact  XXXX   XXXX  being added back to my Equifax credit file. My frustration did not stop there. On or about    XXXX   XXXX   XXXX     , I received an updated report via my credit monitoring service and noticed th at 3 of the 5 ina ccurate accounts from  XXXX   XXXX  were removed from my report. Again, thinking that Equifax was finally doing their job, I was making progress. My score went from poor to fair! 3 days later, I received an alert that new collection accounts were added to my reports. Yes, you guessed it  XXXX   XXXX  was added back to my file causing my score to drop  XXXX  points!!!!! I am furious that not only is Equifax not properly handling my dispute but the improper handling of my dispute has caused more detriment to my score with the removal and then adding these accounts back as if they are " new collections ''. My rights under the FCRA has been violated as well as my rights under the  XXXX   Finance Code . I want all of the accounts being reported by   XXXX   XXXX   XXXX   XXXX   and  XXXX   XXXX  to be removed and STAY GONE from my reports and I would like Equifax to send me an updated copy of my credit report. I understand that Equifax does not control my credit score but the improper reporting of their information drives this score.
Product: Checking or savings account

I received an email with a promotion code ( XXXX ) for {$300.00} from Hancock Whitney Bank on XXXX XX/XX/XXXX and opened an account on XXXX XX/XX/XXXX. I met all of the conditions by the deadline XXXX XX/XX/XXXX. 

Although they also agree I have met all of the terms and conditions spelled out in the promotion, I was informed i would not receive the promotion upon follow up because I'd received a savings account promotion within the last 12 months. That promotion was received in XXXX. 

The emailed terms and conditions state very clearly : " Limit one new consumer checking related bonus per household per calendar year. '' Their excuse does not apply as 1 ) XXXX is not calendar year XXXX and XXXX XXXX a consumer checking account promotion is not a consumer savings account promotion.
Product: Credit reporting

I pulled a copy of my credit report and identified credit inquiries that are are in error. I have sent XXXX certified letters along with a copy of my ID, SSN, and residence proof to which Equifax sent me a letter stating they needed a copy of my ID, SSN, and residence proof which was previously submitted with my original requests. I called numerous times to the credit bureau attempting to resolve this only to be hung up on, not transfered to the correct department in which I asked to speak to, had representatives be verbally abusive and rude. I filed a complaint only to get a response back stating that the inquiries reviewed and of factual record. This is not accurate as how can something be reviewed and I am given a response back in 24 hours. I also sent letters to the creditors only to have most of which returned due to the address being incorrect on the credit report that is listed. Furthermore the other XXXX Credit reporting agencies have deleted the following inquiries because the following credit inquiries were not of factual record. i have no business with these inquiries and a fraud alert has been placed on my credit file, however the following inquiries have not been deleted from Equifax but have been deleted with the other XXXX credit reporting agencies. 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 CC XXXX/XXXX/XXXX.
Product: Mortgage

I have been told numerous times that XXXX XXXX  is the owner not just the trustee on my mortgage, but I have a question, why did they not file with the county clerk until 2 years after the date of the assignment was signed? And now SPS is foreclosing on my home even after I made payments all of 2020 during a pandemic. With my mother XXXX from XXXX. I was the only designated contact and the only person who could see her in the hospital. And after 2 months of fighting, she lost her XXXX. I became a XXXX  mom, XXXX mom, and XXXX  for my father who also XXXX  XXXX. And the designated person for my mother 's care. But I never missed a payment even during a forbearance payment. My hours at work were cut as well. But now I have one week to attempt to find a home for myself and my XXXX children as a XXXX mother. My credit has taken a hit due to SPS reporting late payments over and over. So no one will rent to me. We will be homeless after 15 years. I have asked for a modification so that XXXX loans can refinance. But of course, it won't be in time. I am afraid my children will be home alone when the sheriff will kick us out and we will have nowhere to go. I have asked what the underwriting guidelines were. I have paid my mortgage and now I'm told I must pay $ XXXX to avoid losing a roof over my head. My intent is to keep the home.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt associated with the accounts reported by XXXX, XXXX XXXX XXXX XXXX the credit reporting agencies. I have strong reason to believe that this alleged debts is fraudulent, and its inclusion in my credit report is both inaccurate and damaging to my creditworthiness. As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to receive validation and verification of this debt upon request. I hereby request that you provide me with all necessary documentation validating the debt, including a copy of the original contract or agreement, any statements reflecting my obligation, and the chain of ownership demonstrating how you acquired the alleged debts. All accounts listed in Identity theft are opened not by me and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you have provided the required validation. Any failure to comply with this request within the stipulated timeframe may result in legal action, including but not limited to a lawsuit for violations of the FDCPA and FCRA. Please be advised that I am aware of my rights under the FDCPA and FCRA and will not hesitate to pursue legal recourse if necessary. Additionally, I have already filed a report with the Federal Trade Commission ( FTC ) and law agency regarding this fraudulent account.
Product: Debt collection

Cease and Desist I am writing in regards to the collection efforts being made by your agency related to the above mentioned account. I formally request that you cease all communication and further collection activities regarding this debt. This letter serves as a formal demand under the Fair Debt Collection Practices Act ( FDCPA ) to stop all communication with me including phone calls, texts, emails or other forms of contact. I do not wish to be contacted further regarding this matter. 
Please note that if you continue to attempt to collect this debt in violation of my request I will take further action which may including filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission and my State Attorney General. 
If you intend to take legal actions or file a lawsuit regarding this debt. I request that you provide a written verification of the debt and the 1099 of any action taken to date. Please ensure that any further communication sent to me in writing and only if required by law..
Product: Debt collection

The company is violating my right of privacy as the consumer, company is not authorized to do business in my state of residence, see attached
Product: Money transfer, virtual currency, or money service

I have lost access to my email that is associated with my coinbase account. 

I made a new email and submitted my ID and Photo so I used the new email to recover my account and the ID was accepted. 


It has been a month since I submitted my ID for verification but still no resolution to the issue. 

Note : According to Coinbase website, it takes 48-72 hours to verify the ID and photo
Product: Debt collection

XXXX/HSBC BANK refuse to delete an outdated, incorrect account associated with a divorce dispute from my various credit files which has had a {$0.00} balance as of 2010.
Product: Debt collection

COLLECTION AGENCIES KEPT CALLING AND TRYING TO SKIP TRACE MY BROTHER ETC IN VIOLATION OF FCRA, FDCPA, TCPA