23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX never disclosed to I XXXX XXXX the consumer that my personal information was going to be shared with a 3rd party by the name of Chexsystems. I the consumer XXXX XXXX Never permitted XXXX to share my information This is a form of identity theft and also it violates the Fair Credit Reporting Act. As 15 U.SC 6802 ( b ) Opt out states ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, 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 explanation of how the consumer can exercise that nondisclosure option
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX Select Portfolio Servicing Attn : Consumer Ombudsman XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE : Old loan # XXXX, New Loan # ( Created in XXXX ) XXXX, SPS Financing, It has been brought to my attention that SPS Financing, better known as Select Portfolio Servicing Inc. held the loan and has been collecting payments from XXXX XXXX since XXXX. SPS Financing sold or transferred the loan to XXXX XXXX in XXXX. According to legal records in XXXX XXXX XXXX XXXX XXXX, the loan was authorized and was taken over by the Government State Entity called the Florida XXXX XXXX XXXX in XXXX. SPS Financing did not have the authority to sell or trade the loan, offer any modifications, or collect any payments consisting of principle, interest, and escrow. During this duration SPS Financing was not the holder of the loan. Furthermore, the loan was sold/transferred back to SPS Financing from XXXX XXXX from the years XXXX, The official records of Satisfaction Of Mortgage Note and Loan Modification states that the loan was paid off XX/XX/XXXX. I am requesting : ALL PAYMENTS INCLUDING PRINCIPAL, INTEREST, AND ESCROW THAT WAS COLLECTED FOR THE YEARS, XXXX XXXX, XXXX BE REIMBURSED BACK TO ME WITHIN 30 BUSINESS DAYS OF THIS LETTER. In closing, there will be a complaint filed to CFPB for further investigation into this matter. Also attached to this letter is the legal document Satisfaction Of Mortgage Note And Loan Modification. ID FOR COMPLAINT SENT TO SPS FINANCING XXXX FILED XX/XX/XXXX Please Govern Yourselves Accordingly, XXXX XXXX
Product: Credit card

I amm complainning about Macy '' s Dep [ artment stores. I opurchase one wimming suit. sale person offer their credit card. So i took therio credit casrd and charged it. after I paid full amount of puchase of swimming suilt. they told me my payment was late and charged late fee of XXXX dollar and interest XXXX i told them I want ot cancell and close ltheir credit card. i do n't want to use their credit card and told them I do not want to business with them. they do not listen to me and keep charge the late fee. and last statement I owe them XXXX cent. please help me to solve this kind of problem. My account number withs them XXXX My day time telephone number si XXXX.
Product: Money transfer, virtual currency, or money service

This is my second complaint regarding Coinbase. They have done nothing to fix the problem. I could not access my account in XX/XX/XXXX after numerous attempts. I was FINALLY able to " contact '' Coinbase through the " XXXX  '' platform, formerly known as XXXX. After trying EVERY solution Coinbase threw my way with NO RESOLUTION, I practically begged Coinbase to call me - No response. After my initial complaint, I received the exact same response to " follow these steps '', the EXACT SAME STEPS that NEVER WORKED, to access my account. I STILL HAVE NO ACCESS TO MY ACCOUNT. 

SHOULD COINBASE HAVE TO PAY FOR ANY LOSSES DURING THIS INTERIM? 

Initial Complaint : In XXXX I opened an account with Coinbase. In XXXX, I became a somewhat active user in Coinbase purchasing various different Crytocurrencies. During the time between XXXX and XXXX there would be weeks, perhaps months when I did NOT access my account. When that happened my account was frozen. I had to contact Coinbase in XXXX XXXX and have a XXXX help me get my account opened by sending them real and actual XXXX  information and " live time '' snapshots of myself. During this time the account averaged a balance of possibly {$7500.00} - $ XXXX depending on valuation changes. 

In XXXX my wife passed and I had all but forgotten the account. 

In XX/XX/XXXX I moved. During the time of moving and transition, I found something that reminded me of my account. 
On XX/XX/XXXX I tried to contact Coinbase with the number I had contacted them with before. It was fruitless and a lesson in frustration. Coinbase has somehow found a way to make their recorded message a " run-around ''! Through research ( more time spent ) I found I could contact Coinbase through the " XXXX '' or " XXXX  '' platform. It appeared I had contacted someone, but again, a " runaround ''. It has been OVER A MONTH since my initial contact with Coinbase and all the " solutions '' they offer are NOT SOLUTIONS and I've proved that to them with evidence. I'M STILL GETTING THE RUNAROUND FROM COINBASE XXXX 'S. COINBASE HAS NO INTEREST AT ALL in helping their client customers! In the MONTH that Coinbase has FAILED to help me, has my crypto account " skyrocketed '' and then " tanked ''? Did I lose money? Did I make money? How much? Is Coinbase liable for losses because of their FAILURE TO ACT IN A TIMELY MANNER? 

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ 1. Coinbase gets me into my account so that I'm able to figure out what's in it 2. Because of the utter contempt shown for their customers, Coinbase should, at the very least, help me TRANSFER ALL my account holdings into another servicer/platform of my choosing in the time I choose to do so AT THEIR EXPENSE if any
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b )
Product: Money transfer, virtual currency, or money service

My money and personal information was stolen. Company didnt do anything about it and still hasnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I contacted the three credit bureaus, creditor Capital One, and creditor XXXX , XXXX . to dispute and request removal of negative account information ( 30 day late payment history ) from XX/XX/XXXX through XX/XX/XXXX, for two Capital One accounts and one XXXX account. I received a response stating, " the FCRA requires the accurate reporting of account history and the investigation shows the information on the credit report is correct. '' I was enrolled in a financial debt management program with XXXX  starting XX/XX/XXXX. XXXX and Capital One, along with other creditors, approved of the proposal by XX/XX/XXXX. According to the credit reports, the late payments occurred during the first 90 days of enrollment. I was not allowed to pay the credit card company directly once I was enrolled in the program. My payments were managed by XXXX and I was not in control of the payments nor was I aware that any payments were late. No other creditors who participated in the program with XXXX reported negative information during that time. I paid all outstanding balances and successfully completed the program in XX/XX/XXXX. 

In XX/XX/XXXX, contacted XXXX and they informed me that both Capital One and XXXX approved of the proposal and received on time payments. I participated in a phone conference with XXXX and a Capital One Debt Management representative named XXXX XXXX. I also submitted supporting documentation to the credit bureaus and creditors that shows the date I was enrolled in XXXX. I also pointed out that I had years of on time payments prior to my enrollment in the financial debt management program. 

As a consumer in the program and no longer in direct contact with the creditors, I had no control of nor knowledge that the payments were paid late since they were made by a third party. According to XXXX, the payments were not submitted late but the creditors reported that they were. Furthermore, a review of my account will reflect that I had several years of on time payments prior to enrolling in XXXX. If I would have known there was going to be an issue with payments for the first 90 days, I would have worked out an arrangement between XXXX, XXXX, and Capital One to continue making on time payments and to preserve my positive credit history to avoid having the negative information reported to the credit bureau. 

Based on the circumstances in this case, including my past history of several years of on time payments prior to enrolling in XXXX, and payment of the debts in full, I requested that the 30 day late payment history from XX/XX/XXXX - XX/XX/XXXX, from XXXX and Capital One accounts be removed from the credit bureau reports but my request was denied.
Product: Debt collection

Requested verification of debt. Did not receive any response within appropriate time. I told them that I have not received the verification of debt, but they keep on harassing me. 
At TrueAccord Corp., we understand that money might be tight right now. Just tell us about your circumstances or set up a payment plan that works for you to pay your {$1600.00} balance with XXXX XXXX XXXX ( current creditor of your original XXXX XXXX XXXX ( XXXX ) account ). 

Even if you can't pay, we need to hear from you soon. 


Do what you can This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Please read below for important disclosures. 


Copyright 2023 TrueAccord Corp . 

XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX ( XXXX ) XXXX ( XXXX XXXXXXXX ) Office Hours XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXXXXXX Your TrueAccord account number is : XXXX Click here for more information about your balance Not ready to pay? Get help managing your debt. 
Unsubscribe Dispute this debt Privacy Policy Log in to your account We collect personal information to provide our services. We do not sell personal information. Most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. For more details on how we use, share, and delete personal information see our Privacy Policy. 

This was originally an account with XXXX XXXX XXXX ( XXXX ), account number ending in XXXX You can view your Gramm-Leach-Bliley Privacy Rights by visiting this url : http : //go.trueaccord.com/XXXX_glb
Product: Mortgage

Pennymac bought my mortgage.

I sent first payment by mail on XX/XX/2021. 

They claim they never received. I called several times in the month to see if they received. 

XXXX  payment which arrived in Pennymac processing center on XX/XX/2021 confirmed by Pennymac customer service. They said would be processed that day/evening after hours. Said I could call back Saturday morning XX/XX/2021 and confirm. Said payment would be counted as received because XXXX confirmed receipt. 

Saturday XX/XX/2021 they stated that they couldn't confirm receipt because its the weekend and they can't contact the cashier department. This is not what customer service agent XXXX said on XX/XX/2021. She said they'd be open. 

I can not as of yet confirm that payment was received. XXXX in their XXXX Tx office says there's a '60 day grace period for new customers '. I dont need that because I'm TRYING to pay them. This is a scam. They want electronic payment and a late fee. I need CFPB help to make sure my payments are received and that I am not charged late fees.
Product: Mortgage

NewRez had the mortgage on my home. I paid XXXX XXXX {$810.00} Home owners insurance on XXXX. Therefore my homeowners insurance was paid. XXXX said NewRez submitted {$810.00} from escrow. XXXX returned the check to NewRez Therefore there should be at least a {$810.00} overage in escrow. I informed NewRez of this overage and this is the response from NewRez. Claiming to send a check to me on XX/XX/2019. How could they refund my overage on XX/XX/2019 if there was not an overage until XX/XX/2019? I never received any check from NewRez for the excess escrow. I have all document to backup my statements. If NewRez have a copy of a received check I cashed please provided a copy. 

" RE : Subject Property : XXXX XXXX XXXX, AL Reference Number Loan Number : Dear Mr. XXXX : This letter is in response to your recent inquiry regarding the above referenced loan. NewRez LLC ( NewRez ) began servicing the loan on or about XX/XX/2019. Your refund was sent to you XX/XX/2019 in the amount of XXXX. If you have any additional questions or concerns, please contact our Customer Service department at XXXX. 
XXXX XXXX Department NewRez Servicing XXXX ( p ) XXXX ( f ) XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX has been paid and closed since 2022 but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Credit reporting

My wallet was stolen in XX/XX/2014 and a collection bill for XXXX, an auto loan from XXXX, and a XXXX Time Share installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.
Product: Student loan

I have been dealing with Sallie Mae. They sold my loan to Naveint. I  private loan to pay for college. I started paying the loan off in XX/XX/XXXX. The loan amount was {$20.00}, XXXX. I have been making set payment that@XXXX directly withdrawn from my bank account each month. I called today to see why they say my account is delinquent. Apparently I owe a payoff amount 0f {$23000.00} I have two interest rates one of 13.5 % and the other 13.125 %. It is now XX/XX/XXXX and I owe more then I did in XX/XX/XXXX. I have paid this bill every month via automatic with drawl from my bank account. I asked about a lower interest rate. They say I cant do that. I asked what else I can do to pay this off. They have no recommendations. So as of today they raise my payments again because my interest rate went up. 

Before this they billed my account late payment fees each month because they say the bill was not paid on the due date. I have called several times. My husband has called several times. We say why are there late fees? You with drawl money every month on the XXXX. There should never be a late fee. 
This company has charged me years of late fees. After 9 years of payments balance is higher than what I borrowed. I don't understand how this is possible? I pay my bills? I'm not trying to cheat the company. In fact they are cheating me. I need someone to help me figure this out. Please investigate this fraudulent company. Please tell me how to deal with them?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 2nd time that XXXX has provided incorrect information to the credit bureaus on my mortgage. 
I am on the phone with them again, today XX/XX/19 They reported that my mortgage balance increased which is not correct. They have confirmed it is not correct and now want me to do the leg work to fix it.
Product: Checking or savings account

Formal Complaint Regarding Excessive Fees on My Account Dear TD Bank Customer Service, I am writing to formally dispute the excessive fees that have been charged to my account since its opening. Despite maintaining my account in good standing, I have been subjected to multiple unwarranted charges, including but not limited to : 1. Monthly maintenance fees 2. Charges for paper statements 3. Unjustified savings account fees These fees were not clearly disclosed at the time of account opening, nor were they properly communicated in a transparent manner. As a customer, I expect fair and reasonable banking practices, and I find these charges to be excessive and unfair.

I have attempted to review and understand these charges through my account statements, but they remain unclear. As a result, I am formally requesting a full refund of the unauthorized fees applied to my account. If this matter is not resolved promptly, and considering legal action.

I request that you respond to this complaint within with a resolution. Please provide a written explanation of these charges and clarify how they align with your advertised banking policies. If I do not receive a satisfactory response, I will proceed with filing an official complaint with federal regulators
Product: Credit card

I applied for and received my Chase Sapphire Reserve credit card at the beginning of XX/XX/year>. The promotional offer stated that if I made {$4000.00} in purchases within the first 3 months I would receive XXXX in welcome reward points. I have met those requirements and have paid my credit card before the due date. As soon as I met the requirements for the promotional points my account was closed by the bank and no explanation was given.
Product: Debt collection

They do not have my legal name on there it is a different name my name is XXXX XXXX XXXX and they have XXXX XXXX XXXX and two other names that don't know who they are. 
And I've also had my wallet stolen withy identification and social security number I also made a case with the social security administrative Office already
Product: Debt collection

I have been called repeatedly since XXXX of 2020 about some classes they claim I ordered but I never ordered them, never received them, and Im not even sure what they are for. My credit is ruined from this and I didnt even do anything wrong! I did not share my personal information. I dont know how someone couldve done this. In the files attached all of the calls labeled unknown are repeated harassment from this company. I blocked one of the numbers and then another started calling me.
Product: Credit card or prepaid card

Today is XXXX XXXX and for the last 5 months or longer I have charged a {$20.00} overdraft fee by net spend for every transaction above my limit {$10.00} overdraft fee limit. I have tried to resolve this being that this has to come out of social security checks and I can not afford that overdraft fee. Not just because of what the overdraft fee cost because I never spend at most {$40.00} over. But this month I went by {$30.00} and I now owe them {$100.00} for items that only cost {$10.00} to purchase. I have ask them to send me my statement thru the mail and they still haven't done. My mobile account I am always locked out and I knowthat I am not wastful with money. Net Spend has always an excuse for why they over draft fees are so high. I thought that this is another case of price gauging, but that would up to you. my email ; XXXX. I just bought the house I live in so I would appreciate if someone could understand my complaiant. Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information with Equifax. this has been an ongoing issue an needs to be resolved asap. checking my file it seems all of the errors are causing denials in my file. this needs to be fixed an updated. please review an remove all of the following data filed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 card or prepaid card

I tried to use a discount promotion online with my XXXX credit card issued by Comenity bank this afternoon. Online they said the items were excluded from the promotion. However on the promotion card it said that it was {$30.00} off of any purchase of {$100.00} or more and it did not specify the exclusion of any items. I did talk to the company finally after a prolonged period of time waiting online and they did give me the discount. However many people would be deceived by the discount card. There was no disclosure on the discount card I received that said any items would be excluded. I explained that to the woman on the phone and she eventually gave me the discount. However many people would not see that and would be deceived and will pay a higher price and they shouldve. You should investigate this. Its XXXX discount on a comenity bank card. It feels like a deceptive practice under XXXX that needs to be fixed so other consumers dont get swindled.
Product: Debt collection

There was a debt that they filed a judgement for in 2014. After my wages were garnished and the balance reached {$0.00} in 2014, a Satisfaction of Judgement was not filed. When I reached out to the company today I was given a letter that appears that makes it appear as the payment has just now been paid in full and does not indicate that this was paid in full in 2014. 

For my career I need a Satisfaction of Judgement and the correct date that the debt was paid in full.
Product: Credit card

YOUR COMPLAINT PNC Bank is showing XXXX late payments on my credit report from almost 7 years ago. I never had a PNC Bank credit card, and i've been trying to get these off for 7 years as it ruined my credit and caused a lot of financial distress. i'd like these late payments removed promptly. I have asked for proof that I filled out an application, credit card statements, anything and dont get it and no one ever calls. When I did bank with PNC I was told by a rep I was pre approved for an application only to fill it out and get denied. I immediately left PNC bank after this because she lied. I couldnt get a credit card anywhere. This is not mine. Im not prepared to go to court as this has affected me for XXXX  years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit karma account and they are telling me Im preapproved for all these different credit cards and when I went to apply I still got DENIED & even worse they put it as a hard inquiry on my credit and I tried disputing everything off my credit but they wont take it off