23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage Loan # : XXXX SPS - Select Portfolio Servicing, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Customer Service : XXXX Dear CFPB Officer, After I have paid off my loan with SPS on XX/XX/year>, XXXX XXXX wire transfer date for {$64000.00}, up to today, SPS is still refusing to release my ESCROW refund check. 

Not only I still can't get my Escrow refund check from SPS, the refund amount is questionable : Please see attached SPS Payoff Quote on XX/XX/year> which was good till XX/XX/year> and indicated I need to wire transfer {$64000.00} for the entire payoff amount which I did on XX/XX/year>. 

Then on XX/XX/year>, SPS system charged me another month of mortgage payment, {$2300.00}. After I noticed this payment was made after I have paid off the entire payoff amount, I called SPS, a lady whose name is Ese, extension number XXXX confirmed with me that I will get XXXX refund checks, one would be this {$2300.00} monthly payment amount, the other one would be {$8100.00} the Escrow refund ( this phone conversation was voice recorded by SPS ). 

After about XXXX weeks, I did receive the {$8100.00} but have never seen the {$2300.00} the extra monthly payment refund. So, I called XXXX XXXX and they did an ACH transaction recall to get my {$2300.00} back. Then I noticed SPS has stop the {$8100.00} check payment. So I got a ZERO Escrow refund. 

Please see the XXXX and XXXX SPS my mortgage statements uploaded here, on XXXX 's statement, I have had the XXXX Escrow amount at {$7900.00} ; on XXXX 's statement the Escrow YTD amount was {$8900.00}. After I paid XXXX extra monthly payment {$2300.00} after I have wire transferred the entire payoff amount, then this payment was recalled by XXXX XXXX on behalf of me, why SPS has been telling me in the past XXXX weeks every day 's phone call that my Escrow refund will be {$5700.00}. 

My question is : XXXX. Why SPS a lady supervisor was telling me on their recorded line on XX/XX/year> that my XXXX refund check has no deadline, and no one could know when they would issue me the refund? As US government entity, there must be regulatory terms to direct the refund process in a timely requirement for loan servicing companies. 

XXXX. Where did the difference go between my XXXX statement YTD Escrow balance amount {$8900.00} and the SPS webpage current Escrow balance {$5700.00}? I have been told by many SPS customer service agents that my new refund amount would be {$5700.00}. I need an analysis report on this to show the {$5700.00} to be refunded amount is correct please. 

SPS 's customer service quality, especially some of their supervisors I have spoke with, their attitude have been very poor. They deliberately withhold my Escrow refund without taking any actions to drive me to report this issue to XXXX and CFPB. 

If SPS still wouldn't take any actions to resolve my case promptly, I will file complaint to Texas Attorney General 's office and FTC, then I will file litigation at my local county courthouse next week. 

Thank you for helping me to resolve my loan payoff issues with SPS. 

Best regards, XXXX XXXX XXXX Mobile : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Complaint Description : I am filing this complaint because said reporting bureau has not accurately reported and/or updated my personal information on my credit report. I am entitled to a fair and accurate credit report and that includes my personal information. 

Incorrect Personal Information : Not my name : XXXX, XXXXXXXX XXXX Not my address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Not my address : XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Attempts to Resolve : I have attempted to resolve this issue by contacting the bureau through mail, but I have not received a satisfactory resolution or explanation for why my personal information has not been updated correctly.
Product: Student loan

I was on an income based repayment plan for XXXX consolidated student loans. I was on auto payment deducted from my checking account monthly with a payment of {$600.00}. I was told by XXXX XXXX and Navient that I was eligible for the Public Servant loan forgiveness program and that after XXXX on time payments I could request forgiveness for the balance remaining. A friend told me I really should contact the program directly to make sure. Unfortunately I contacted the program and they said if I transferred the loans to them they would track payments annually. Once the loans were transferred they infirmed me that XXXX payments made on XXXX of the XXXX loans would not count because they were not on a qualifying payment plan. I do not understand how i could have XXXX loans consolidated to one payment yet those loans could be on seperate repayment plans. I also dont understand why I would be penalized for paying more money towards my loans than I would have paid had my accounts been properly set up. I relied first on XXXX XXXX and then on Navient to help me tbeough the repayment process. They set my accounts up incorrectly and because of their mistake I am having to make XXXX additional payments before I can apply for forgiveness.
Product: Mortgage

I have completed a deed in lieu of foreclosure with Ditech. I completed all the requirements and received a check through cash for keys. All the paperwork has been signed and I have contacted the attorney in charge who states the deed in lieu has been filed and is entirely complete. Although this deed in lieu paperwork was completed XX/XX/2016, they are once again harassing me with letters and phone calls regarding this debt. I have explained to them that the deed in lieu has been completed ( obviously they should know this ... ) and I have a deficiency waiver agreement I received from them. I have told several people who have called me from ditech that this matter is settled and they should not be contacting me. Nobody has followed up and they continue to send me letters, bills, and calls. I recently received a certified letter regarding default on this loan and demanding payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below to be removed because According tp 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 

Accounts : 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 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: 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. 
XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # 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, credit repair services, or other personal consumer reports

I was looking at my credit report on XX/XX/2020 where I had noticed inaccurate Information. They are saying a company One Main who I am not aware who they are. They are giving me hard inquires on XX/XX/2020 and XX/XX/2020. They are saying I got a loan from the. This totally Inaccurate and fraud. I never signed anything and this was never authorized by me.
Product: Mortgage

Navy Federal Credit Union, refused to comply with my choices in regard out line in the deeds in foreclosure back to the mortgage company whereas, I were granted, furthermore, as outlined I choose to bi-pass bankruptcy and will be cover and protected from it penalize ... and those reoccurring calls of harassment, etc.will avoid me from wrong judgment. I'm divorce never want to get married again, independent, and self living along as the retiree of federal government worker in medical wise conditions on the job related issues, etc, citizens class of senor in area of criminalized, surrounding and outwardly area in the state of TexasXXXX XXXX additional , the all damages done were hindsight behind my back with no cooperation to gathers information for conviction i.e.persons involved what will surely refer as haters crimes, and wrongful patrices over become successful single... XXXX male..whom been XXXX for many, many years and counting .....
Product: Payday loan, title loan, or personal loan

I was prior to hard hit credit i was confirm all my information and submit required documents to SOFI and i was confirm them 3 times over the phone before submitting application and their representative were confirm you are eligible for our loan program and you documents also verified as well that can be meet our criteria. After submit my application they were saying we are not consider your documents to lend you money since i not meet the their criteria. All and all i would they they were lied to me and unnecessary force me to push submit application and they hard credit pull that effect my personal credit. I was also reach out them to resolved issue but they were suggested me to report online. That is the reason I am reporting here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX BANK 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: Money transfer, virtual currency, or money service

For nearly a month, I have been trying to get access to funds held by Coinbase. It has been nothing short of a nightmare. Their treatment of customers is appalling. 

For a start, they do not provide customer service over the phone. Their email customer service is totally unresponsive and/or incompetent. I have been trying to get access to my money for over three weeks, and I am being led around in circles. Their agents either do not read what I am saying or do not care. Most of their emails reiterate solutions that have nothing to do with my case or repeat suggestions that didn't work when tried previously. I am constantly having to repeat myself and I am not convinced an actual human being is even dealing with my case. Eventually, Coinbase told me they could not service my account and would advise me later how to reclaim my funds. However, this still has not happened. What is worse is that when I follow up, they come back to me with irrelevant messages that have nothing to do with my case. It's completely outrageous to deny me my own money. Coinbase is so unresponsive and/or incompetent that I consider it to be a scam company.
Product: Credit reporting or other personal consumer reports

I do not recognize the credit inquires below and I have asked for these inquires to be removed, but they were not removed by the credit bureaus. I am requesting that they be removed, because they are inaccurate and not mine. 

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: Credit reporting or other personal consumer reports

I have several charge off and inquires, addresses and phone numbers that aren't associated with me. I requested information from multiple companies on my credit file because inaccuracies are reporting various dates and transferred to other companies. will you please investigate and delete these items. All items not associated with my address below should be removed immediately. The bureas are suppose to report accurate information and based on the accounts in collections, chargeoff, and recent inquires this is not happening. I believe that i have been effected by multiple data breaches. 

Conserve : {$800.00XXXX XXXX XXXX XXXX XXXXXXXX Accounts 2018 My Name is XXXX XXXX maiden name XXXX any other name should be deleted. 

Only addresses that should be there : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX please delete any other address on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit limit was lowered from {$5000.00} to {$700.00} because XXXX XXXX got a report from a credit bureau that told them my limit should be lowered. 
I never made a late payment or have a bad score and this should not have happened. Not to mention that I did not allow credit bureau to share any information with my financial institution. 

XXXX XXXX representative stated that this was caused by late payments I made to some other lenders, but I never had any late payments, but she could not see what or where, and was just following direction from the credit bureau. She could not even share that report with me, which I am pretty sure was illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

PREVIOUS COMPLAINT ID XXXX Its my right to tell the truth and it seem Newrez LLC has not been true to their action. i want an immediate investigation or if you can retrieve our recorded conversation. 
I already submitted my reply to the previous complaint, Just retrieved the file from your end. In my honest opinion they have run my credit without my consent- i was with my spouse during the conversation and to my recall 110 % he did not gave my SSS number to run. Its only conversation to access what could the company offer. 

Once again i repeat no consent was given to run my credit report!!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 U.S. Code 1681, a consumer reporting agency must maintain accurate reporting. Reinvestigate the account in question, see attached form 1099-C as verification that the debt has been canceled and is no longer enforceable. According to the IRS, form 1099-C is used to report canceled debt, which is generally considered taxable income. Therefore, late payments shall not be reported.

Immediately remove all late payments from my consumer report, and adjust account # XXXX to reflect the true and correct statement of account. Failure to comply with instructions within 5 days, shall result in a {$1000.00} responsibility per violation. Provide me with a copy of my new consumer report. Thank you for your time and attention to this matter.
Product: Credit reporting

XXXX and Equifax have the same debt listed under XXXX different collection agencies. XXXX Reports XXXX XXXX XXXX and Equifax reports XXXX.. Both are reported at {$10000.00}. The original debtor is XXXX XXXX XXXX. There is only XXXX DEBT, not XXXX. This mistake is lowering my credit score more than it should. XXXX or XXXX of these is wrong and should be corrected / removed. Furthermore, I have never heard from XXXX XXXX XXXX, and XXXX XXXX XXXX has not finalized the supposed debt, at times asking for a much lower amount to settle the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 these two accounts were deleted from my credit reports after a dispute I filed on both the accounts. Now both accounts have been added back to my reports without the bureaus giving me the proper notifications that they would be added back which is a violation of FRCA SECTION 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have twice XX/XX/18 and XX/XX/18 to have my consumer file updated and they keep reporting the same incorrect information. 

They have names, addresses, insurance companies and a bankruptcy that doesn't belong to me in my consumer file. 

I am not sure whom they are verifying this with but it is inaccurate.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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: Prepaid card

Prepaid cards do not work online or in store at any retailer whatsoever. Cards have not been used whatsoever and had purchases denied when attempted to use in person. When contacting the company, they have told me the cards were blocked or denied and sent new ones where the same thing has happened.
Product: Checking or savings account

For the last XXXX weeks Citibank has been blocking my access to my checking account while allowing the joint account holder, with whom I am in XXXX proceedings, access to the account which I can not view or monitor. 

I have called Citibank twice to rectify this situation and both times the representative has literally hung up the phone on me. 

They literally have my funds and are allowing the joint account holder to deplete the account while blocking me with no recourse.
Product: Prepaid card

Case number XXXX. What the XXXX  wrong with this company. I had XXXX card that doesn't work, send me replacements and still doesn't work, ask for document which i sent 1000 times and cards still on hold. I NEED A REFUND CHECK FOR ALL MY MONEY DO YOU UNDERSTAND!!! I NEED MY MONEY BACK. 
WHAT THE XXXX WRONG WITH THIS PEOPLE
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL branch of Chase Bank to open a new account. Every one was professional and courteous. I opened a three month CD and a savings/ checking account via checks drawn from my XXXX XXXX  account. 
A requirement for the Total Checking account at Chase is either direct deposits by an employer or government agency. I commented that it would not be a problem because I receive social security benefits and I would transfer the direct deposits from XXXX XXXX to Chase. 
What occurred is the basis of my complaint. 
That following Monday, I contacted Social Security to change my benefits from being deposited to XXXX XXXX Chase. I was alarmed to learn that it had been done already - by the bank. I sent an email to the branch manager and the gentleman who opened my accounts inquiring as to who did this transfer. The day passed with no response. That gave me concern. The following day I called Chases fraud department inquiring who had done the transfer. They could not give me that information, but it apparently is a service the bank provides. 
Now maybe this was mentioned to me when I was at the bank, but without signing a document giving the bank explicit authority to do the transfer, I did not think it would be possible, but apparently it is. I believe this practice is a red flag for possible fraudulent transfers. 
For example, I could not change my dividend deposits, which involve a much smaller amount than my monthly social security deposits, without putting the request in writing and returned to XXXX. 
As a consumer and an XXXX, I believe this practice at Chase needs to cease. I believe a risk management procedure, something akin to having an express written approval form for authorizing any such transfers be used for the future. If such a form was included in the disclosures I signed at the bank, I did not receive a copy, nor was I aware that this would be done without my calling social security first to authorize. Any paper work following the phone call, if needed, could be provided by the bank. 
Please note that in a few days, I did receive a polite and professional phone call from the banker to discuss and I learned this is a practice provided by the bank as a courtesy. I believe this should be reconsidered. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of the Equifax data breach. I never received compensation for their inability to keep my data secure. Because of the data breach Equifax continues to list my name incorrectly despite repeated dispute attempts whereby I provide my driver 's license as proof. I have done this twice. The name that they have listed was NEVER my name and they refuse to replace this name with my correct legal name. This is disabling me financially and costing me thousands of dollars in high interest. Please help!