23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a transfer from some money I had in " My Vault '' in Coinbase into my  Coinbase wallet. There is a 48 hour waiting period for such a transfer but I had noticed the transaction remained pending 4 days later. Therefore I emailed them on the XX/XX/XXXX wondering why this resolution has not been fixed. 

I got a response from a bot from the inquiry that was not satisfactory. I then emailed them on the XX/XX/XXXX and again on the XX/XX/XXXX. To no avail, I have not received a response still. I canceled this transfer and initiated the same transfer on the XX/XX/XXXX. It is currently XX/XX/XXXX and again more than 48 hours have gone by.
Product: Checking or savings account

The Simple online bank has merged with BBVA USA, and since the merger I can not access my funds online. My money is in a protected fund that can not be access outside of an application or online banking, thus leaving me completely without any money while they refuse to fix the issues for millions of customers in a timely manner.
Product: Checking or savings account

{$850.00} is the balance I called on XX/XX/year> when I seen it on my credit I was told it was opened in XXXX XXXX XXXX  but Ive never lived in XXXX  before. I asked if they could remove it since its fraud but they told me no
Product: Checking or savings account

USAA closed a legal guardian account without reasonable notification nor cause. I was not reasonable notified because the USAA disguised the notification under an " account update '' and not " close account notification ''. Without reasonable or adequate cause, the closing of the account, puts financial strain on the XXXX beneficiary of veteran who USAA so heavily markets to. In my opinion, USAA has consistently shown apathy to veterans and their families over the last 20 years. Banking contracts are unilateral contracts between the financial institution and the account holder and USAA showed no consideration.
Product: Credit reporting or other personal consumer reports

My scores on Equifax and XXXX was not showing please update my info and delete incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$46.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$1800.00} XXXX XXXX Balance : {$46.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXX : {$1800.00}
Product: Mortgage

Note : Some of the preceding questions on CFPB online application to submit a complaint are not specific enough so I just answered them to be able to move forward to this page ... ..This second complaint is a follow up to the first complaint that I already received a response from the mortgage company. 

Dear Compliance and or Mortgage servicing department of Shellpoint mortgage : I have attempted to call SPOC twice and left my information however nobody has returned my call after waiting over a weeks time even though the voice prompter circle of futility says someone will call back within " 24-48 hours ''.

My question is very simple if someone can confirm and respond back to me IN WRITING. 

If I were to resume regular monthly mortgage payments starting in XX/XX/2020 ( which  will be after the 90 day forbearance period ) will : 1 ) Will my payment be the same as before which is {$2200.00} give or take? 

2 ) What happens to the 90 days of forbearance amounts from XXXX, XXXX and XXXX? Are they just added to back-end of loan? If so, please state this in your written return response to me at email address :
Product: Debt collection

MCM made an agreement to settle account for {$630.00} upon payment that day, and then account reflects {$860.00} being due even though i have a written agreement.In addition, they reported to credit bureau no payment being made. XXXX XXXX was the account manager they refuse to contact me
Product: Credit card or prepaid card

Contacted US Bank on XX/XX/XXXX regarding a letter I received informing me of terms of agreement for a US bank Go Visa signature card - a card I had never applied for. When I finally contacted someone named XXXX from US banks supposed fraud department, they confirmed a credit card application had been submitted in my name. They refused to give me any information regarding the application and repeatedly asked for my personal information, ie SSN, etc. I filed a fraud report. The told me the case # XXXX would be submitted and that I would receive a copy of the card application witching 7-14 days. Subsequently, I did receive a credit card from US bank in the mail on XX/XX/XXXX. On XX/XX/XXXX - I received a notice from US Bank from someone first name only given XXXX indicating the account had been closed, but included was a form requiring me to send a notarized letter including my personal information : SSR, and drivers license # - to US Bank - In order to receive a copy of the application and signature on this false credit card application. This is an example of a credit card company opening an account illegally in my name and interfering with my attempts to protect my identity.
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 : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

NFCU restricted access to my online account after settling two accounts with them, however, I still had a checking and savings account. Also, from my understand they weren't supposed to restrict access after they were fined by the CFPB. NFCU actually had to pay back one of my settlements that I paid out to them. I did not receive a settlement on the other account that should've been refunded as well for the unfair debt collection practices as both accounts were settled around the same time. I was refunded
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION, unauthorized inquiries made without permissible purpose or consent. 


Date Name XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also, allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( account XXXX ) is now holding a current mortgage note reporting on my credit that DOES NOT contain my signature. I did not approve of this modification and I would have never agreed to these terms had I been given the opportunity to review these documents. XXXX XXXX assumed liability of this mortgage when it was serviced by XXXX and approved of these terms, clearly without review. XXXX approved releasing me of all liability through a modification and then assumption in XXXX, then transferred the mortgage to XXXX XXXX XXXX However, XXXX  XXXX XXXX is still reporting this to my credit. I am not on the NOTE or the Deed to this home. 

In XX/XX/XXXX, the balance on the XXXX  XXXX XXXX loan was {XXXX}. In XXXX, I was removed from the Note and the Deed while being serviced relief by XXXX Mortgage. From that date until XX/XX/XXXX, after heavy research, {$XXXX} was added to the loan for unpaid installments, interest, late fees, other fees and costs, etc. The payments were only {XXXX} which included escrow. This is a gross overestimate of added fees and this is unlawful. 

XXXX XXXX XXXX  ( service relief by XXXX # XXXX ) increased this loan amount ( account XXXX ) by {$XXXX} for late fees and interest according to these documents. In XXXX of XXXX, {$XXXX} was deferred for a principal adjustment, another erroneous number. In XXXX, this loan amount was {$XXXX}. Now, XXXX years later with no cash out refinancing ever done, its totaling {$XXXX} - interest bearing and non-interest bearing- due to fees and interest In XX/XX/XXXX, XXXX  XXXX XXXX XXXX began servicing this loan, after I was removed and their records shows a principal adjustment of only {XXXX}, and a balance of {XXXX}, which would be a total balance of XXXX, not the XXXX. I have attempted to write XXXX XXXX XXXX email, call, etc. for XXXX years now and no one ever gets me to the right department. No one calls me back. Everyone says they'll look into it but has no answers for why my signature is not on the current NOTE being held by XXXX XXXX XXXX XXXXd why the balance is incorrect. This is affecting my credit, one, because its not my loan, and two, because of the terms and conditions ( balloon, erroneous loan amount, illegal amount of deferred interest ). The balance is reporting as HIGHER than the high credit limit and the loan has been established for XXXX years. This is fraud on so many levels.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX numerous times. I have contacted each of the credit bureaus to dispute the account reporting inaccurate information numerous times, and I have requested validation of the debt numerous times. I also have contacted my bankruptcy attorney and the bankruptcy trustee for assistance, with this account. However, XXXX is REFUSING to correct and/or delete this account with each of the credit bureaus as promised. It shows the account is a charge off/collections and is derogatory. This account was XXXX in my XXXX XXXX XXXX ( case XXXX XXXXXXXX, filed XX/XX/year> and XXXX on XX/XX/year> ). XXXX is saying the account XXXX sold to XXXX XXXX XXXX, ( although I never received any papers from XXXX XXXX and XXXX XXXX is not reporting anything on my credit reports ). When I call XXXX and enter my info, it says I owe a past due balance of {$7900.00}. I called XXXX XXXX XXXX and was told if XXXX was the original creditor and the account was XXXX, I need to file the XXXX  papers with XXXX to have the debt updated and/or deleted from my credit reports. My attorney and the Bankruptcy XXXX have submitted paperwork to XXXX and XXXX XXXX. Therefore, I am not understanding why this account is still negatively and inaccurately reporting on all credit bureaus, nor has it been deleted as I was told it would be. 

I disputed and requested the credit bureaus provide validation of the debts along with innacurate and/or fradulent inquiries, and to delete once they verified these were fradulent and not done for permissable purposes. XXXX has transferred me to XXXX supervisors ( said the calls were recorded ), and I was told the accounts and inquiries would be deleted in XXXX hours. It has been over XXXX XXXX XXXX XXXX XXXX days and NOTHING has been done.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I sent letters again on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 45 days later, I have still not received a response yet. I think they are taking advantage of me and ignoring my disputes. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. This information violates the FDCPA section 807 and also FRCA 15 USC 1681 A, USC 1681 # 2. They are infringing on my right to privacy and I demand that these accounts be deleted immediately from my credit report or I will file for litigation due to the stress you caused me.
Product: Credit card

Hi, I am making this complaint becasue I booked a round-trip flight on the American Express Travel website . The trip information is as follows : XX/XX/XXXX to XX/XX/XXXX from XXXX XXXX ( XXXX ) to XXXX, with XXXX XXXX. However, on XX/XX/XXXX, I missed my first flight. Consequently, I called the American Express Travel customer service line at XXXX XXXX on XX/XX/XXXX to seek assistance. I informed the agent about missing my first flight from XXXX to XXXX and asked for guidance on what I should do next. The agent promptly arranged a new one-way flight for me with XXXX XXXX and I had to pay for that new one way flight to XXXX XXXX XXXX And The she assured me that I could still use my returning flight when I arrived in XXXX. Unfortunately, she neglected to inform me about the necessary steps to retain my returning flight, which I had already paid for with XXXX XXXX. Instead, she only asked me to pay for the new one-way flight from XXXX to XXXX. Additionally, she failed to inform XXXX XXXX about my change in plans, resulting in the cancellation of my returning flight.It 's imperative that I receive a refund because the American Express Travel agent did not fulfill her responsibilities properly when I missed my flight, which I had booked through their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit report that should no longer be on there. I settled this debt back in XXXX but the account is still reporting a balance to my credit. This needs to be removed as it is reporting inaccurately, I have already settled this.
Product: Student loan

According to 15 USC 1681a ( 2 ) ( A ) ( i ) " ( 2 ) - Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' This means that transactions between consumer and the data furnisher are not to be included on the report. If this is true, how can there be a late payment? A late payment classifies as a transaction between the consumer and the data furnisher. Reporting late payments to my credit report is illegal. 

The inaccurate information to be removed is reported as follows : - LATE PAYMENT - XX/XX/XXXX - LATE PAYMENT - XX/XX/XXXX - LATE PAYMENT - XX/XX/XXXX - LATE PAYMENT - XX/XX/XXXX XXXX
Product: Student loan

I have spent countless hours on hold with Fed Loan servicing trying to achieve the student loan forgiveness I am entitled to under the new XXXX waiver. My employment history has been verified with 13 plus years of public service. I have never missed a payment on my loans during that time, however a large chunk of payments from 2011 are missing from my records! This is exceedingly frustrating that nobody can help me. I am put on hold time after time and given no explanation for a solution. I am losing faith that I will ever receive the relief I was promised. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof. 

XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX I have been sending letters to both the creditor and the credit bureaus in regard to this account. 

The first letter was in regards to USC 609 - verification of the debt in XX/XX/XXXX. The creditor FAILED to respond. 
The second letter was in regards to 15 USC 1681S-2 sent XX/XX/XXXX. Once again, the creditor did NOT respond. 
The third and fourth letter was a final follow up to the first two letters sent XX/XX/XXXX. This letter reference both above letters as well as a violation of 15 U.S. Code 6802. There was NO response. 

XXXX XXXX XXXX  has failed to properly respond to my dispute of this account. As it has been more than 30 days I am requesting the immediate removal of this account. I have tried to access the account online yet they are not allowing me to access the account. I tried to call yet each person kept hanging up. Finally they failed to respond to all 3 letters within 30 days of the post marked date. XXXX XXXX XXXX  is violating several consumer laws under the FCRA by not providing proof of the debt, violating 15 USC 1618S-2, and filling to respond to my dispute within 30 days. 

I have attached the letters sent for reference to what I am referring to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt with a car loan. The debt was sent to collection agency. I paid and settled with the collection agency to resolve the debt. This was almost 2 years ago. All 3 credit report bureaus removed the debt after I submitted a letter from the collection agency. They reported it as {$0.00} owed. 6 months ago ONLY Equifax showed there was still as amount of {$2900.00}. Everyone shows {$0.00}. I started a dispute. contacted the original company as well as the collection company to confirmed. Both agreed it was resolved. I submitted my letter to Equifax. It is now 2 months later and this STILL shows up. Ultimately, as of yesterday it cost me getting a car loan at 8 % to now 10 % ... .that {$70.00} more a month times 72 months for their in correct information. I am very frustrated and do not know where to turn to have this removed. Ironically, the added payment is more than even the original debt. This is not fair to consumers and I feel i have to accept this blemish on my report from equifax ... note : IT'S MY ONLY BLEMISH ... 
Original Debt : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX who totally botched : Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions,
Product: Checking or savings account

I believe my debit card info got stolen by an employee at XXXX XXXX XXXX  in XXXX. The employee stole more than {$1300.00}. I filed a fraud claim with USAA and they refunded my money three days later. I got about 8 letters in the mail about three weeks later saying they are reversing the charges and that they ruled that the charges were valid because XXXX XXXX  XXXX claims I made them. 

I never charged my USAA card at XXXX XXXX XXXX. I attempted to use it and the employee said it wasn't working so I used my XXXX XXXX XXXXard. I provided proof that the only purchases I made were on my XXXXXXXX XXXX  card. My family and I typically go to XXXXXXXX XXXX XXXX XXXXXXXX times per year and rarely spend more than $ XXXX {$170.00} total per visit. The charges on my card totaled {$1300.00} and were all within 2 minutes of each other and ranged from {$75.00} to {$330.00} each, which is insane and could never happen as one {$40.00} card purchase me about 3 hours and Ive never spent more than {$75.00} on a single purchase. Our typical visits are XXXX hours. 

I really would like my money back. It XXXX  me that XXXX XXXX XXXX would protect their employees scamming. 

Thanks in advance for your help!
Product: Mortgage

XX/XX/2018 the state of North Carolina suffered a terrible hurricane.Our state was declared a disaster. The town where I live is still trying to recover. My house suffered {$17000.00} worth of damage. Insurance paid the claim in XXXX making the check payable to my self and Ditech Financial. I endorsed the check and sent it overnight with a paid over package for return. I have been trying to get Ditech to release some funds so I can complete repairs to my home. I am unable to pay my mortgage this month because I have used all monies I had to purchase material to make the home safe to live in. Ive sent in pictures, estimates and material cost as requested, but I have not received one dollar as of this point from Ditech. Every time I call the claims department a different representative tell me something different. I need the money the insurance company paid for the claim so I can repair my home. I do not know what else I can do to get them to release some money for repairs.