23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Ive been trying to close my Capital One 360 savings and checking accounts for the last weeks. When I first called they said they were able to close all but one account. They put me on hold and said they would try to close it. They came back and said that they were able to see it was closed now. I checked my capital one app and saw 3/4 accounts closed. I called back and the lady said that the last person didnt close the account. She said it would take until midnight that night to close. I said okay. The next morning I checked the account and it was still active. I called back and the next person said the account would actually take 3 business days to close. I check back and the account is not closed.
Product: Mortgage

My mortgage with Loancare ( billpay alias " XXXX XXXX '' ) was paid in full on XXXX/XXXX/XXXX ( attached ). Loancare issued a check for my escrow balance on XXXX/XXXX/XXXX ( attached ). I mistakenly forgot to turn off my bank 's auto-pay for the mortgage and payment of XXXX was made to Loancare from my XXXX XXXX bank account, delivered electronically on XXXX/XXXX/XXXX ( attached ). I called the customer service line on XXXX/XXXX/XXXX to request a refund and the customer service agent said that because my loan was paid off, they had no record of the payment on my account and told me I would I have to send proof of payment to Loancare at XXXXXXXXXXXX. Later on XXXX/XXXX/XXXX, I provided, to the indicated email address, my billpay electronic delivery receipt along with my loan and contact information ( attached ) and Loancare auto-responded acknowledging my request and assigning it a reference/ticket number. ( attached ) On XXXX/XXXX/XXXX, Loancare deemed my proof of payment insufficient, requested my bank statement, and closed my request as " resolved. '' ( attached ) Based on the information I provided to them, and the fact that there has never been an issue matching my XXXX bill-payments to my mortgage account, I believe Loancare has sufficient information to locate and identify my errant over-payment and is stonewalling to hold my funds for as long as possible.
Product: Vehicle loan or lease

This account is paid for by checks sent in mail. In XXXX of XXXX my payment was lost, knowing that I sent it on time along with all my other bills I contacted customer service about the issue on XX/XX/XXXX. On that day they told me that they would look for the check and submit a request to waive the late fee as it was not my fault, I paid all missing payments over the phone in order to avoid marking my credit. The check was later found and the late fee was removed. This occurred again in XXXX of XXXX where my check was lost, I contacted XXXX with customer service on XX/XX/XXXX who advised me to pay the previous months payment as well as the current due amount online in order to avoid scarring my credit, and stated that they would look for the check as well as request to waive the late fee again. They found the check and applied it to my account on XX/XX/XXXX, which in total took 3 months worth of payments from me in one month, again. The second request to waive the late fees have been repeatedly denied as they stated the first one was a courtesy, even though I sent no payments late and they accepted fault and found the missing checks both times. On XX/XX/XXXX I took the issue to management when I spoke to XXXX XXXX, a customer service supervisor, who again stated that my request was denied as the first one was a courtesy, she told me there was nobody else to speak to who could resolve the issue and all she could do for me was submit another request.
Product: Consumer Loan

I open a Furniture account with Rooms To Go and paid off. 
I bought some furniture again but Rooms To Go switched the address my payment is to be sent without informing. Meanwhile I made a {$62.00} payment to the account that I had. Rooms To Called me to say they not receive my payment. I made another Payment the same day. Two days later Rooms to Go send me the over-payment of {$62.00}. They charged {$37.00} for late payment. Again I made a {$220.00} payment to the new address provided by Rooms to Go. At the same Time I made {$100.00} to XXXX with the XXXX Bank that Rooms To Go now use. They continue to call me that I did not pay them. Even though they got my payment. They have reported to the Credit Bureau that I am late in paying. But I am not.
Product: Checking or savings account

Contacted Wells Fargo customer service by telephone XXXX times ( totaling over XXXX minutes ) within past XXXX days and visited local branch in XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) over past XXXX days to close my checking and savings accounts, both of which have a {$0.00} balance. Was told several different and conflicting reasons why they were unable to complete closure requests.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I sent them a letter stating that I wanted to opt out already but they still won't comply. 
Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), emphasizing the necessity to ensure that consumer reporting agencies exercise their responsibilities with " fairness, impartiality, and a respect for the consumers right to privacy, '' I, as the Consumer, am asserting my right to safeguard my private information. This right is supported by 15 USC 6801, which underscores the obligation of financial institutions to respect customer privacy and protect nonpublic personal information. 
Equifax, is being the consumer reporting agency, must adhere to 15 USC 1681 section 604a section 2, which specifies that they can furnish a consumer report only " in accordance with the written instructions of the consumer to whom it relates. '' The financial institutions, recognized as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, all falls under this category. However, neither these financial institution nor the consumer reporting agency, Equifax, possess my consent or written authorization to furnish this information. Revoking any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, I assert my right to control the sharing of my information with XXXX, Equifax, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Referring to 15 USC 6802 ( b ) ( c ), it explicitly states that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless " the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to credit agencies failed to inform me of this right. 
Furthermore, in accordance with the Privacy Act of 1974, governing the collection, maintenance, use, and dissemination of personal information by federal agencies, and the Fair Credit Reporting Act, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without authorization. The reporting of this adverse item without my permission is a violation of both acts.

In compliance with 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. 
Additionally, as per 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

My home loan is serviced by Carrington mortgage. Last year my home owners insurance cancelled my home owners insurance but they sent a bill to Carrington anyway and Carrington paid it. Which caused a negative XXXX  amount of {$7000.00} I went and told Carrington not to pay them and told them that my insurance was canceled. Carrington was fully aware of XXXX cancelled my insurance. They have been trying to mess me up ever since they took over my home loans. 

They were well aware at Carrington that XXXX cancelled my home owner insurance. Carrington has always caused me some type of chaos since taking over my loan. 

They have tried to XXXX me over more than one. Now I'm on the hook for a $ XXXX monthly payment because of their mistake. 

Why would Carrington still continue to pay XXXX knowing that they had cancelled the payment. To intentionally cause me problems. 

This has also caused me problems. Where I couldn't get my home loan equity.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the repeated attempts to rectify the late opening of my account with your institution. I opened an account with your branch and unfortunately, I have encountered several issues that have not been adequately addressed. 

Despite my best efforts to resolve this matter through various channels, including phone calls and in-person visits to the branch, the late opening of my account persists. I have attached copies of the relevant documents, including the account opening paperwork and receipts, for your reference. 

I initially opened the account and was informed that it would be active within a specific timeframe. 

I made multiple follow-up calls to inquire about the status of my account. Each time, I was assured that the issue would be resolved promptly. 

I visited the branch in person to seek assistance, but unfortunately, the problem persists. 

I understand that issues may arise, and I am willing to cooperate to resolve this matter amicably. However, the lack of progress and communication regarding the status of my account is both frustrating and concerning. 

I kindly request that you investigate this matter promptly and provide a detailed explanation for the delay. Additionally, I expect a clear timeline for the resolution of this issue. I believe that transparency and effective communication are essential in maintaining a positive customer relationship. 

If this matter is not addressed within the exact timeframe from the date of this letter, I will be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assistance to correct this late open account in my credit file : XXXX  XXXX XXXX XXXX Balance : {$120.00}.
Product: Money transfer, virtual currency, or money service

I believe Coinbase is trying to defraud me and steal my digital assets. I have given them opportunity to correct this issue for about 4 months and they have failed to do so.

Re : Case # XXXX - Re : DO NOT CLOSE Ticket # XXXX It has Not Been resolved! - Buy/Sell Account and Send/Receive Disabled for more than 2 months with Zero Support from CB - Just ROBO auto responders XX/XX/2021, Ticket # XXXX was opened with Coinbase for Complaint of locking me out of features on my account. My assets amounted to about $ XXXX. Since then Coinbase disabled features on my account Buy/Sell as well as Send/Receive.Coinbase gave no viable reasons. I have repeatedly created tickets and got no help from Coinbase just the same Robo message that someone will contact me in 5 business days but its a lie!!!! 
On XX/XX/XXXX, they closed out ticket # XXXX and claimed they had resolved problem which was a lie I checked my account and the problem was not resolved. I reopened Ticket # XXXX and reiterated that they hadnt resolved my problem and to keep the previous ticket # XXXX opened. 
On the subject date of XX/XX/2021, I had added a new card payment ; my bank completed a purchase transaction into Coinbase account and Coinbase debited my account for the purchase - I have attachments to prove this. I then further investigated with my bank on XX/XX/XXXX and they confirmed that my bank 's customers have been experiencing a lot of payment issues with the Coinbase platformCoinbase isnt synching their security payment confirmation system with the banks. That is no fault of mine as a CB platform user! CB gave no reason why they are removing me off its platform, CB has prevented me access to my assets and from utilizing my assets to capitalize on investment opportunities for more than 4 months! CB has caused me emotional and financial stress. I can't transfer my assets or even withdraw to my bank ; CB enabled only Coinbase Vault account to force me to deposit into their custody account. 
Then funny enough and miraculously on XX/XX/XXXX they advised me to update my card that was expiring ; I did and their system won't confirm the 2 deposits they sent into my account!!! It just said Card verify failed. My identity has been verified multiple times and Okd by Coinbase. On XX/XX/XXXX, Coinbase sends me My account has been verified and I can now invest BUT it's still the same thing, My Buy.Sell as well as Send.Receive buttons are still disabled. COINBASE PLEASE ENABLE MY FEATURES SO I CAN ACCESS MY FUNDS!!!!!! I NEED TO GET THIS PROBLEM RESOLVED AND PROPERLY COMPENSATED FOR LOSS OF INCOME OPPORTUNITY.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I notice my credit dropped. Synchrony Bank/Paypal credit had a charge of XXXX dollars and said I paid XXXX dollars on the account. They also said I had another name on the account. The account they had was not mine the account numbers didn't match. I had an XXXX dispute. The only they did was update the account numbers. The payment of XXXX  dollars was not mine. This account has been closed since XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I was advertised from an account still active on XXXX. I was told to make an investment with them. Then started to ask for fee payments, which I XXXX sent. It was a total lost of XXXX. I reported this as a scam to my bank, Wells Fargo bank and also XXXX customer service, XXXX XXXX customer service, but wasnt able to get a cent back. I understand that because I sent the money thru XXXX, XXXX, XXXX XXXX, which you personally allow, I was not able to get my money back.
Product: Credit reporting or other personal consumer reports

The dates on this report are incorrect on when it was last active. This account needs to be removed from my credit report. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debtt, nor therefore any such debt, in fact therefore exist
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am filing this complaint for myself no third party is involved. I have been going back and forth with Transunion, XXXX, XXXX and XXXX XXXX about this billing error. I have attached one of my previous letters for each bureau and a screen shot that clearly shows me being late in XXXX on Transunion and XXXX on XXXX it also shows me being late in XXXX on Transunion and XXXX on XXXX. The only reason I cant show you that XXXX also has different late payments is because I have a separate complaint with them for mixing my file I was never late thats why this is wrong its a billing error and none of the credit bureaus or this company will correct it. Im sending this through CFPB portal so that my next step can be to file litigation
Product: Debt collection

Im in the middle of litigation with GM Financial whom is trying to collect an alleged debt. I have recently received a letter which i have attached stating they may exercise their rights under law for non payment of a debt? I never heard of a law that protects Debt Collectors BUT there are several laws that protect the Consumer, the natural person and the original creditor.

Pursuant to 15 USC 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.

( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATIO
N, or PROPERTY of any person.

GM Financial is using criminal means and is trying to harm my reputation by repossessing my vehicle at my house in front of all of my neighbors and family. They will also harm my property which is on my drive way at my house.

They are using criminal means pursuant to 15 USC 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the SEIZURE of any property which would be
my vehicle.

Im here today for more proof for the courts to see that GM Financial is still on the path to violate Consumers and Original Creditors.
Product: Credit reporting or other personal consumer reports

I sending my dispute letters for many times, still not receiving any response from the bureaus. Please delete this account immediately I'm so stress please delete it now or else I will file a case regarding this issue. 

XXXX XXXX XXXX. 
XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXXXXXX XXXX {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax XXXX XXXX and XXXX about my XXXX XXXX card no one is helping get it removed I disputing the item several time.. XXXX used my tax return back in 2017 to collect the debt amount it has been over 7 years every time I dispute the item it just says verified I have sent letters and asked how it was verified.. XXXX is not responding to my email or are they reporting to the credit bureous all I get is you have to call XXXX which I did. I am requesting the XXXX XXXX card to be removed from my credit report immediately if no one can provide me information I have been requesting for
Product: Debt collection

Constant phone calls from the debt collector. Nationwide credit Inc. I do not owe anyone debt, and do not know why Im getting phone calls from a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a hard inquiry on my XXXX report. I didn't authorize this one. Please delete it.
Product: Credit reporting or other personal consumer reports

I am requesting my consumer report and submitting the information requested by XXXX for the 4th time. I have a right to my credit report and scores and I am being denied that right by XXXX using stall tactics to keep my report from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our home mortgage was sold by XXXX XXXX XXXX Bank to Carrington Mortgage Services, I believe in 2012. The website will not let me access my account at this moment. 

Our payment with XXXX was {$1700.00} Including P & I, Hazard Insurance & Property taxesOur payment with Carrington is {$1800.00} Not clue what this payment includes because I have no signed ( by myself or my husband ) paperwork from this company. 

When Carrington bought our mortgage it raised our payments without our consent or prior knowledge. 

I did call Carrington when I noticed the jump in payment, only to be told that it was to cover our homeowner 's insurance. At that time I offered to pay the amount out of pocket, to keep our payment the same as it was with XXXX. Carrington stated they could not do that, after transferring me to various people.
Product: Debt collection

I paid a debt with Paramount Recovery for {$650.00} for my account to be deleted but its not on my credit and every time I called they say its been reported but the credit bureaus say they havent reported it since XXXX and its holding me up from buying my home..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my TransUnion, XXXX, and XXXX credit report on XX/XX/2018. This inquiry was not authorized by me, this was done under fraud. I will be brief, I did not authorize this and I do not recognize this inquiry. In this complaint I will submit all the documents necessary to verify that this inquiry was not done by my person. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting

I have had several errors removed from my credit report from Transunion. There reaction was to remove the errors but drop my score XXXX points. There is now a almost 100 point difference between Transunion and other agencies. Is that ethical? How can removing an error result in a decrease in the credit score. 
It would be very kind if you could advise me if that is ethical behavior. If not, can any action be taken. 

Thank you in advance for your help and support. 

Kindest regards, XXXX XXXX