23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear Sir or Madam, We have a conventional thirty year fixed mortgage loan with Navy Federal Credit Union that closed approximately two years ago. We recently received a New Mortgage payment notice letter from Navy Federal stating that our monthly payment is going up thirteen percent effective immediately. This is the second mortgage increase that we received in last than two years. Our original payment we started out including taxes and escrow was {$2400.00} per month. And it has ballooned to over {$3100.00} per month on a thirty year conventional loan. In less than two years our monthly payment has risen a whooping thirty percent. This is predatory lending at its worse. This has placed a tremendous financial hardship on us, which places us in risk of making the new payment. Our closing documents stated that our payments should not increase more than the original monthly payment. We feel at a minimum this is a violation of Truth in Lending Act and RESPA and unethical mortgage practices that Navy Federal has exercised. When we were in the process of closing the loan the Navy Federal Loan broker XXXX XXXX stated that after the loan closes we are eligible for a one time no obligation interest rate modification if the rates drop since our interest rate was higher than the market at the time. The rates did drop and we contacted Navy Federal customer services numerous times to get a mortgage rate modification and the Customer Service department stated that we could not get the rate interest modification we were misled. The broker mislead us to sale the loan. Doing the closing process XXXX reiterated that we would have the rate modification option, since our rate was significantly higher that market rates. 

Overall this is a huge monthly increase of thirty percent since the close of the loan, in less than two years. This has placed a huge financial hardship and burden on us We need your assistance to bring our payment manageable and bring Navy Federal into regulatory compliance from numerous and egregious predatory lending practices on this loan. Thanks for your attention in this matter. 

Sincerely, XXXX XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I attempted to make a payment to my roommate for {$450.00} drawing from my savings account ( XXXX XXXX XXXX XXXX ), my roommate received the funds ( {$450.00} ) to his Paypal account, but on XX/XX/2022 he notified me that the funds had been removed back from his account. After contacting Paypal to see why the funds were withdrawn from his account I was notified that they were unable to retrieve the funds from my bank, and that later my bank had filed a dispute and the funds had been returned. I never filed a dispute with my bank so I contacted them, ( XXXX XXXX ) and they had no records of the transaction whatsoever involving my account or request for funds from Paypal involving my account. My bank advised me to check with Paypal to ensure the proper account number and/or routing numbers were used. I contacted Paypal again multiple times trying to verify the full account number and routing numbers so I could try to find where the funds were sent, on multiple occasions I was transferred to various departments to try and trace where the funds wound up, and told that I would receive contact with the information within 24 hours, but never received the requested information on any occasion. I have now received a letter from a collection agency for the funds even Paypal has failed to provide the requested information of where the funds were sent or verification of the full account/routing numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called to make my monthly payment to XXXX XXXX Bank for my XXXX XXXX   account which was due on XX/XX/XXXX. I had missed a payment in XXXX due to COVID19 however I was prepared to offer a blanket payment to catch up. The gentleman on the phone offered me a pandemic deferral on my account as I was suffering financial hardship. We agreed to the deferral, he refunded my XXXX late fee and told me that they would report my accounts as current/paid as agreed and I could make payments when I could. The deferral period would end on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX listed my account in XXXX and XXXX as XXXX days late and closed my accounts for non payment. I didn't notice this until XX/XX/XXXX when I reached out to XXXX XXXX, paid my past due ( even though I was in deferral ) and waited. On XX/XX/XXXX, I was marked late again by XXXX XXXX even though I was in deferral and had made a payment. Effectively ruining my credit, through a program they offered. I spoke to a two young ladies who verbally agreed that what I was saying was correct, but that they could only dispute with the credit reporting agency and to see if there was any discrepancies on their side, which there wont be as XXXX XXXX is reporting the wrong information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice 2 inquiries from Equifax that I don't recognize, it was a total of 5 when I contacted Equifax but, 2 are still on the credit file. I did contact Equifax in XXXX of 2017. Equifax does not even have the contact information from the alleged inquirer, see attached screenshot.
Product: Vehicle loan or lease

On XX/XX/XXXX I made a payment on my car note of XXXX. I received an email onXX/XX/XXXX stating that my payment had been made and giving me a confirmation number for the payment.
I also received a mailed statement from my lender stating that I had made the payment, dated XX/XX/XXXXFive days later, onXX/XX/XXXX my lender, Ally Financial, stated that they had not been paid, as they had neglected to take the funds given to them on the day that they were given, despite the fact that they had issued two ( 2 ) written notices stating that they had been paid.
They have now begun credit collection activities against me, including calling my work phone number ad nauseam, Monday through Friday, sometimes seven to eight times a day.
When the money was available for the payment, the payment was made. Ally sat on my transaction for nearly an entire week, and did not take their payment, although they stated and confirmed with a confirmation number that they had.
Now, I am in arrears and owe penalties which seem to have been the aim of the company, to obtain more funds than the payment amount, or by the negligence, or laziness of their employees, I now owe said penalties, and am in danger of losing my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2023 the companies responded. Some got deleted but there are still fraudulent items on my credit report that's why I submitted a complaint last XX/XX/2023 and XX/XX/2023 but it was closed immediately. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Product: Debt collection

Stating from XXXX XXXX XXXX, I'm a consumer, it means any natural person obligated or " allegedly '' obligated to pay any debt. I, the consumer would like for you to verify this alleged debt that you have placed on my credit report. I do not have a contract or agreed that I will be paying this alleged, stating from XXXX CFR XXXX ( f ), it says a contract any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. I would like for you to provide the following for me : -What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state -Provide me with your license numbers and registered agent or agent of service
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 3 loans with the company Affirm that were sent to collections. All 3 of these accounts were settled with XXXX XXXX, the collections agency who bought the affirm coounts. I received the confirmation of payment letters from XXXX XXXX  stating the accounts were settled and there was no balance. Affirm has been incorrectly reporting to XXXX  that I still owe these balances. After making several disputes, several calls to Affirm, multiple messages and no changes have been made, I proceded to contact XXXX  to file another dispute and afain, provide the proof of payments. Upon receipt, I was made aware that Affirm is incorrectly reporting themselves as a collections company who holds the accounts in collections, even after the debt was sold to XXXX XXXX. I was also notified that they were incorectly still reporting that these accounts have not been paid. Even after submitting proof to experian and affirm that in fact, they have been paid off. Affirm is in violation of the FTC guidelines and refuses to accurately report the status of these loans after several months of calls, messages and proof that what they are reporting is incorrect. This has affected me greatly. I am trying to move with my kids to another home before i am homeless, i was approved for a place but they needed for these accounts to be paid off first and balances removed from my credit. I paid these accounts on XX/XX/23, sent proof to affirm and have called them almost every week, to wich they state they received the letters and the issue would be excalated but when I get an answer they are automated answers and no one can assist. I even have chat conversations with screenshots of them stating that they see the balance is {$0.00} and that these accounts were sold to XXXX XXXX. But when the disputes I submit come back, they still report false information.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/XXXX, I transferred close to XXXX coins of Bitcoin Cash valued at roughly {XXXX} from XXXX to my XXXX wallet. The transaction made it into the Coinbase wallet but never arrived into the XXXX wallet. 

On XXXX, it currently says it 's Pending and it will be released at whatever the current time and date it is when you observe it, however, the funds are n't available. 

When you look up the transaction, you 'll see that it was confirmed on the XXXX and spent on the XXXX meaning that the transaction was completed and that XXXX is now holding the funds. 

I 've been emailing and calling Coinbase support multiple times for the past seven days with no answer at all other than one template email with an FAQ page that does n't address my issue. I have not spoken to one real person and they are simply ignoring me and holding my money ransom. 

I sent over my funds to XXXX because I wanted to sell when each coin was XXXX XXXX+ but I was not able to so. Coinbase has made me lose potential profits because the coin has severely devalued since then and the whole market changed dramatically in the past week. In addition to losing potential profits, I lost actual currency I had invested because I was not able to sell all week. 

They wo n't even take the time to give me an explanation of what 's going on, if my money is safe, if I 'll get it back, when I might expect it, nothing at all. Not one word, not even a statement on their website that they are having issues and we can expect an update at some time. Highly unprofessional and it makes me severely worried entrusting my funds to them.
Product: Checking or savings account

In XX/XX/XXXX, I contacted Marcus to close my savings acct. and have the balance in marcus transfered to my XXXX XXXX XXXX checking acct. They made XXXX test deposits which I confirmed with them. They then did an ACH transfer of the entire balance into the acct. and reversed it the next day. Upon contacting them, I was told I could not be " authenticated '' and a conference call would have to be initiated with the bank to confirm that this was actually me. I told them this was unnecessary as they had already confirmed the XXXX test deposits made to my checking account. I couldn't get anywhere with them so I got off the phone knowing I would call them back at a later time to request a check to be mailed to me instead of a deposit. I contacted Marcus bank XXXX weeks ago requesting this check and was told " no problem, it will take XXXX - 10 days ''. On the XXXX day, after not receiving my check, I looked at my savings account and noticed it hadn't been closed. I never recieved an e-mail or call informing me of any problem. I called them and was transfered between multiple people in different departments and always being told that they can not " authenticate '' me even though I gave correct information used to open the acct - SSN, DOB, address, telephone # and secret word. Then told that another department will call back in XXXX days to authenticate and they never call back. On XX/XX/XXXX I spoke with XXXX - supervisor in XXXX and her XXXX XXXX who expedited my request. On XX/XX/XXXX I received an e-mail asking me to contact them for more info. I called and was finally " authenticated '' by answering a series of questions and was told I was released from the " fraud alert '', that my account will be closed and check will be sent via certified mail. Account was closed on XX/XX/XXXX. On XX/XX/XXXX I received email asking me to contact them as more info was needed and to contact them. I called right away and was transferred to XXXX in Security for another " authentication '' by being asked a series of questions such as previous address ( have had multiple addresses ) and phone number associated with that address which was the same information that I was told 2 days ago was correct.They ask for drivers license but then told they cant " authenticate '' a CT license. They then informed me I could not be " authenticated '' but will not tell me why, therefore being told I have to wait XXXX days for a call. I have been told this multiple times and they dont call. This is and endless loop that they will not return my money. They have all been informed multiple times over the last XXXX weeks this money is desperateley needed and all I get is " we will call you back in XXXX days '' to be " authenticated ''. They are hiding behind this " authentication '' process to not return money. Over XXXX complaints have been made with the XXXX showing this is on ongoing issue with Marcus. Please investigate this as soon possible as they are acting in what I consider to be an illegal business practice hiding behind security. With over XXXX complaints stating the same thing I'm experiencing shows this is not a solitary complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

We Filed Bankruptcy in XXXX of XXXX. XXXX Delayed the release of the bankruptcy by 60 days because they would not reafrim the loan. To this day, they still have not reafirmed the loan. The paper work has been sent several times with no explanation other then they did not get the paper work. I have confirmation now that they have received it. We were released from Bankruptcy in XXXX of XXXX. They also took it upon themselves to change the way they pay our property taxes. We asked that they pay it at the end of each year and they have not changed that deciding to make it the 3 payment option after the XXXX of the year.
Product: Mortgage

I requested the previous lender, XXXXXXXX XXXX the removal of PMI providing my home had reached 78 % XXXX which the did. XXXX months later they sold the loan to RoundPoint Mtg back in XXXX of 2023 and they reinstated the PMI. I cant get a hold of them on the phone and I requested the PMI to be removed in writing. I have not hear anything from them.
Product: Credit reporting or other personal consumer reports

RE : ( XXXX  XXXX CREDIT CARD ) ACCOUNT # XXXX ( OPEN DATE : XX/XX/XXXX ) AMOUNT {$8400.00} To Whom It May Concern ; I disputed the referenced accounts above on XX/XX/XXXX. My credit report shows these item were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, procedures in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumers file pursuant to subparagraph. 
is reinserted in the file, the consumer reporting agency shall notify the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information, As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report THIS ACCOUNT IS ALSO REPORTING C/O MONTHLY WHICH IS FURTHER RE-AGING MY ACCOUNT TO A FRESH CHARGE OFF CAUSING MAJOR DAMAGE TO MY CREDIT SCORE THIS IS DEFAMATION OF CHARACTER RE-DELETE THIS ACCOUNT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that shese payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks!
Product: Debt collection

I wrote to the company in XXXX to dispute the debt from XXXX XXXX XXXX after the first dispute it has been passed on to another Collection Agency and have failed to send anything with my signature or an original signed contract.
Product: Credit card or prepaid card

Mother has not even been buried in the ground for 60 days as date of death was XX/XX/18. Creditor already attempted to place with strong arming collection agency of XXXX XXXX XXXX  to try to settle the balance. For the record, no known executor exists, no known liquid assets exist, I am the daughter, I am not responsible for paying the balance of my deceased mother.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy showing on all 3 credit bureaus and I've asked them to verify and provide how that information got on there and they've ignored me and violated my rights by reporting that. I've spoken to the court and they clearly state that they do not report that to any credit reporting agency as you'll see with the attached information from the courts website. 
XXXX XXXX XXXX Bankruptcy XXXX Ref # XXXX XXXX XXXX XXXX Bankruptcy Ref # XXXX XXXX Equifax XXXX XXXX Bankruptcy XXXX Ref # XXXX To my knowledge this is a FCRA violation, am I correct? I want these accounts deleted immediately under the law that says I have a right to privacy ( 15USC 1681 602A )
Product: Checking or savings account

I have video where I can see tellers info from the drive up at chase that is not my account information. I have contacted the market director XXXX XXXX and the Executive Market  XXXX XXXX XXXX They will not respond nor fix the issue regarding the privacy violations. Please provide an email address and I will send the video that shows teller 1 information clearly that does not pertain to my transaction. I would also note XXXX did not return my drivers license so I would have to return to the branch. This further substantiates my point that XXXX XXXX has been harassing me ever time I go to this branch. I have brought this up to the branch managers on more than one occasion. Yet the executive management team does nothing to rectify the discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX loans are income based driven loans. After my divorce, I submitted my documents to was then XXXX XXXX. XXXX never acknowledged the divorce decree, which keep me as a financial XXXX to them. Over the years I have written numerous letters to XXXX regarding my financial status as well as my divorce decree. 
XXXX  private student loan services listed accounts on my credit report as being late more than 60 days which belongs to my daughter and ex-husband. Account has never been late. Daughter never disclosed to me anything beyond accounts in forbearance. Accounts has been in forbearance since the Covid pandemic. She is still unemployed. 
XXXX Change to all 3 credit reporting with XXXX  credit score-XXXX. On XXXX XXXX reported exceptional score of XXXX On XXXX, filed a dispute with XXXX. On XXXX file a dispute with Attorney General office of XXXX XXXX, still waiting on that investigation as well. Score decreased. to fair XXXX, changes to score with Transunion. On XXXX, XXXX updated dispute with submitted documents. Also on the same date changes made with XXXX. 
XXXX deleted the accounts from credit files as of XXXX after their investigation of my dispute, however my credit score as of XXXX, has not been restored from fair to exceptional. which was my prior score before this issue with XXXX inaccuracies. 
XXXX, XXXX sent a letter to daughter stating that accounts were approved for forbearance from XXXX to XXXX. If account in forbearance, why are the showing as late more than 60 days/negative on my credit report. This should have never happened. 
Still waiting to hear response from Attorney General of XXXX as well as updated and restored corrected scores from all 3 credit bureaus. 
XXXX submitted additional documents to XXXX re : forbearance letter and dates. 
I have worked extremely hard to maintain and improved my credit score to exceptional status. This matter should be investigated and my scores for all 3 credit bureaus should be corrected and updated as well as restored to my exceptional status.. XXXX XXXX negative reporting on my credit file should be deleted from XXXX and Transunion due to their error and unfair practices, not mine. Again, XXXX has already deleted XXXX from my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

they said i was not affacted