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

XX/XX/XXXX - opened checking and money market accounts- deposited {$50.00} in cash, check for {$200.00}, and check for {$25000.00}. 

XX/XX/XXXX - received debit cards and temporary checks in the mail. 

XX/XX/XXXX - received lettered ( dated XX/XX/XXXX ) stating account was closed. Letter provided information regarding ways to receive funds. 

XX/XX/XXXX - called insurance company to request new claim check, told Truist cashed the check, it was cleared, and they have the funds. 

XX/XX/XXXX - waited 10 days, XXXXXXXX XXXX  called customer services to determine how to receive our funds back from our now closed account. " XXXX '' stated the account was in review process and she could not determine how long that would take. 

XXXX - called customer service, again, to determine how to receive our funds. Was told we needed to return to the branch and they would be able to help us. 

XXXX - arrived at XXXX XXXX branch at XXXX - waited for specialist to help us- worked with " XXXX '' who called Truist customer service on our behalf. Verified Truist is choosing not to do business with us. We asked how to get our money. We were provided the Early Warning System number and told to call Monday morning. We already know why our account was closed. 

XXXX - XXXXXXXX XXXX - called customer service, transferred to Fraud dept. and spoke with " XXXX ''. After over an hour talking ( 1 : ) 01:37 ) and being placed on hold, was told this department did not have any answer on how to retrieve our funds. Was told " XXXX '' would submit a claim ( which was already done, as we were told on XX/XX/XXXX ). " XXXX '' suggested we visit the bank again. 

Why are we being given the run-around? Truist cashed our NON-fraudulent check provided by a legitimate business and endorsed properly by all 4 parties. We understand fully that Truist does not want to do business with us, as we do not want to do business with them. Therefore, they should not keep our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account with XXXX XXXX was previously disputed Equifax failed to remove or properly investigate as of XX/XX/20 XXXX XXXX has deleted the account, credit reports need to be 100 percent accurate across the board with all bureaus that being said Equifax must delete the account
Product: Money transfer, virtual currency, or money service

Company name : Instarem Remittance Company is holding my personal data in electronic format even though there was no monetary business taken place.. company is refusing to delete my personal data and giving all sorts of over the top inadequate response and closing complaint each time.. this is the third time Im opening up a complaint.. Not convinced with company approach in answering concerns
Product: Credit reporting or other personal consumer reports

I have written the 3 bureaus to investigate and remove XXXX XXXX XXXX XXXX XXXX XXXX from my credit file, I never gave them written permission to furnish this information on my credit report. 

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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. 
I am requesting the following specific information related to your investigation : Proof of Investigation : Please provide documentation or records showing the steps taken during the investigation process to validate the accuracy of this account. 
Parties Investigated : Please specify the entities or individuals that were investigated in connection with this account, including the creditor and any other relevant parties. 
Investigation Timeline : Provide a detailed timeline of when the investigation was initiated, conducted, and concluded. 
It is essential for me to have access to this information to ensure that the reporting of this account on my credit report is accurate and complies with the Fair Credit Reporting Act ( FCRA ). 
I understand that you have a legal obligation to respond to this request within 30 days of receipt, as per the FCRA. If you can not provide the requested documentation within this timeframe or if you find that the account is not verifiable, I request that you delete the account from my credit report immediately. 
I appreciate your prompt attention to this matter and your compliance with the provisions of the FCRA.
Product: Mortgage

I had XXXX as my mortgage company and made payments ot them and only some of the payments were submitted to principal and the rest was held in an account so that it did n't go to principal. The interest was paid and then a small amount of principal. Call regarding this sent a complaint to XXXX XXXX but nothing ever happened. The company is terrible and took from people when setting up the mortgages.
Product: Mortgage

My second mortgage or " HELOC '' matured 2 years ago since I filed bankruptcy 7 years ago and had not received any statements from them since that time I was unaware of it being close to maturity since that time I have filled out paperwork with them at least 5 times each time they say something is missing and I send that and no response. When I call back I am told the paperwork is too old and needs to be resubmitted. They have sent my home for foreclosure. Since I have a lot of equity in my home I feel they are doing something called " Dual Tracking '' which I understand is illegal in California
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this information to the consumer bureau as a proof of my dispute to Transunion that was sent by mail today
Product: Money transfer, virtual currency, or money service

This is a problem with company XXXX ( coinbase ). 
On XX/XX/2018 my account suddenly got logged out and not able to log back in and keep saying error occurred. Contact XXXX  support. 

So I emailed them and called them but was told they will transfer to specialist and someone will email me. I havent heard from them so I called them again but they cant do anything and told to wait till they email me again and received case number of # XXXX, # XXXX, # XXXX, # XXXX. 
Sorry I have many case number, cause they issue new case number every time I call or email and encourage to not contact them cause it will create new ticket number which I think thats also not fair when I want to know whats going on and whats the status. 

Its been over XXXX weeks but I havent heard from them and I have no access to my money and when I asked to close my account they said cant right now. 
Meanwhile my investment going down crazy and I cant do anything about it. 
Who is going to responsible the money I loss because I dont have access to my account for so long? 

I think this is ridiculous business setup and customer service that needs to investigate and reviewed. 
As far as I know there are lot of people at XXXX/coinbase have same issues with me. 

I am very frustrated I dont have access to my account and I dont hear from them and when I contact them they dont have any answers but to say wait till they contact me. 
I dont find solutions with them so I am contacting CFPB for help. 

I hope my complaint reflect to improve their way of running business and resolve my case asap. 
Thank you.
Product: Mortgage

Nationstar Mortgage as you are aware from my previous complaint that was never settled illegally entered my property, threw out my renters stole my personal property including tv 's, furnishings, dishes and proceeded to allow the the pipes to freeze causing in excess of {$100000.00} in damages and loss of value. I sued them and they apparently threatened or payed off the judge that handled the case as before the jury trial the judge decided that it was okay for them to do that. Nationstar parent company runs the XXXX XXXX XXXX and has mass control and influence in the community. They used this influence to commit massive crimes against me to the point of having XXXX XXXX of the XXXX XXXX XXXX 's office threaten to arrest me should I go to my own property. The property was not in forclosure at the time and I had called Nationstar to get a payoff as I had the property sold for substantially more than what was owed to them. The property is now damaged and worth less than half of what is owed. They have proceeded to tack on fees and expenses after finally applying to have a sale and refused to release the cure or payoff amounts to XXXX XXXX. Thus costing me an additional XXXX XXXX or more dollars just to cure the loan. Some of these fees were deemed illegal as the original firm handling the foreclosure was charged with crimes and forced out of business by the state attorney generals office. I am still being charged these fees. I am attaching the cure statement showing these charges. This property was in perfect condition and had renters in it when they took possession of the property. It did not require anything. They have broken every law imaginable against me and my property and I expect JUSTICE! I would have had the property sold and money in my pocket with the loan paid in full, but they do n't get paid for that they get paid to service the loan and the more fraudulant they are the more they get paid. This crime was committed against me and XXXX XXXX as they are the real holders of the note even though Nationstar keeps claiming in all the court paperwork that they own the note. They are criminals and belong in jail for theft, conspiracy, fraud and other crimes. I appreciate any help you can give me. I am happy to publish my number and name so anyone can contact me regarding my proof. XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, ROZLIN FINANCIAL GROUP, INC sent a letter and added a derogatory mark on my credit report, per XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. The Debitor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate a debt and anyone can send a bill and say that it mines. According to the FCRA, ROZLIN Financial Group.Inc, has valid my rights as a consumer and I'm am requesting LEGAL ACTION to remove this account immediately.
Product: Mortgage

I lost my job in XXXX, XXXX and did not find new employment until XX/XX/XXXX. When I resumed working I contacted my lender and we worked out a repayment plan for me to catch up on the payments I was behind. I attempted to apply for a permanent loan modification to catch me up and enter into a stable payment. I was told my hardship was not resolved however I was back to work and it had been resolved. I hired XXXX XXXX Firm to negotiate with my lender a modification. On XX/XX/XXXX I contacted my lender and was put on the CARES forbearance plan due to my income fluctuating while I adjusted to the new restrictions. On XX/XX/XXXX I again spoke to XXXX XXXX and my income had become stable. XXXX XXXX called and spoke to XXXX ID XXXX who advised that the past due would automatically be deferred and I could begin my prior payments in XXXX. The legal assistant was told that I would have to call because a third party could not take me off the forbearance and move forward with the deferral. I called and was told that I needed to send a full loss mitigation package. I had applied and received a homestead tax exemption lowering my payment about {$1400.00} annually. I was told that I would be able to get a deferral and start paying again and now the process may take months increasing my debt. my servicer told my representative something but had me call to offer me something else and I was mislead and given inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, Myself and my spouse both Military XXXX XXXX members. 

Company Quicken Loans, lender reached out to us for re-financing in XXXX. We have provided certain information but never authorized to run a credit report. 

Credit report was obtained without our authorization. 
Credit report was obtained individually on XX/XX/XXXX ( individually ) Credit report was obtained jointly on XX/XX/XXXX ( jointly ) Mortgage was obtained from Quicken Loans ( XXXX XXXX ) subsequently. 
I requested Quicken Loans to remove one of the inquiry, but they refused by justifying their pushing and unethical practices. Bottom line is reports were obtained before authorizations.were given. 

This is not about what may or may not impact our credit report, its about obtaining credit report without authorization and without letting us know as consumers. 

even though I did my best to resolve this situation by reaching out to them on XXXX XX/XX/XXXX with XXXX XXXX XXXX. 

XXXX XXXX Quicken Loans Executive Office | Resolution Advocate Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX Ext. XXXX XXXX XXXX XXXX XXXX refuses to remove my request of XXXX XX/XX/XXXX inquiry, furthermore justified that this inquiry was necessary by Quicken loan in order to obtain VA re-financing. ( one day apart ) XXXX XXXX XXXX also explained that he did his due diligence and based on the investigation he conducted their company has proper authorizations to pull our credit report. 


Please see attached letter and my correspondence with quicken loans I am not the only consumer on whom Quicken Loan used their predatory practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I initially applied for the American Express Gold Delta Skymiles card on XX/XX/2018.  While booking my Delta Flight, a promotional offered appeared on the " payment '' section stating the following : 1. EARN XXXX STATEMENT CREDIT AND XXXX BONUS MILES. APPLY FOR THE GOLD DELTA SKYMILES CREDIT CARD FROM AMERICAN EXPRESS XXXX STATEMENT CREDIT AFTERY OUR USE YOUR NEW CARD ON A DELTA PURCHASE IN YOUR FIRST 3 MONTHS 2. XXXX BONUS MILES AFTER YOU MAKE {$1000.00} IN PURCHASES ON YOUR NEW CARD IN YOUR FIRST 3 MONTHS ... ETC. 

After I accepted the offer, and got approved, I received a message saying : " WE'RE SORRY, OUR SYSTEMS ARE NOT REPSONDING AT THIS TIME. UNFORTUNATELY WE CAN NOT PROVIDE YOU WITH YOUR CARD NUMBER AND CREDIT LIMIT RIGHT NOW. WHILE YOU AWAIT YOUR NEW CARD, WE WILL AWARD YOU XXXX IN THE FORM OF A STATEMENT CREDIT. WE APOLOGIZE FOR ANY INCONVENIENCE. IF YOU HAVE ANY QUESTIONS, PLEASE CALL XXXX. YOU WILL RECEIVE A STATEMENT CREDIT WITHIN 8-12 WEEKS ''. 

I waited the appropriate 3 months, and have yet to be credited my {$200.00}. I contacted several American Express representatives via phone AND email, and have no resolution or response. Nobody has contacted me as promised. Each customer service rep that states they will research the issue has not followed up with me. 

I contacted representatives on 5 separate occasions in the month of XXXX. ( The only dates I have documented are XXXX XXXX on XXXXtelephone and email. Follow up email to her sent on XXXX. On XX/XX/XXXX I spoke with XXXX in the XXXX Florida office. XXXX on a XXXX ). Each representative states that they can not find this offer even though I printed the offer and the inconvenience screen and forwarded them to AMEX for further research. 

I would like to get this rectified as soon as possible. I have fulfilled the offer on my end, and Im hoping that AMEX does their part in honoring this. I spent the XXXX in 3 months, which included a Delta purchase, and also kept my account in good standing.

Please note that when looking through the statements : 1. The XXXX statement credit is the inconvenience from AMEX since they would not provide the credit card number at the time of my purchase 2. The XXXX statement credit is from the prices going up from the time that I initially tried to book my flight with Delta and the time it took to receive my credit card. 
Both of these credits are UNRELATED to the promotional offer. I have included all documentation for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021
Product: Student loan

In XX/XX/year> I submitted documentation to verify my employment to update my payment counts for XXXX. I received correspondence that my forms were pending receipt of missing information which was a signature- I have checked what I uploaded and signatures are present. I called and was told this is an error and just to wait. The agents have all said these arent truly accurate- not appropriate to have inaccurate documentation within a loan. Online it says I should have these documents reviewed in XXXX weeks. I called multiple times since then and filed complaints ( which included requests for them to contact me ) which were closed without contacting me. I resubmitted my forms. They again said they are missing signatures. As of XX/XX/year> they are in review, stating I need to provide signatures which are on the documents, and it says they would be processed in XXXX weeks. Overall I have been waiting since XXXX for my forms to be updated. 
Meanwhile, these counts would put me at the required visit count to have my loans forgiven under XXXX. Instead I am in limbo, waiting, and collecting interest ( they are also in admin forebearance not at my consent ). This is absolutely unacceptable. This servicer has multiple errors and isnt adhering to their own timelines. As the borrower, I would be penalized for not doing what I am supposed to do. Currently I am being penalized for their lack of organization and adherence.
Product: Checking or savings account

The year of XXXX XXXX federal has charged me countless amounts of overdraft and other fees when banking with them.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX XXXX XXXX  '' the financial institution and the Consumer reporting agencies, Equifax and XXXX, do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, and XXXX XXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may 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. '' XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

IC Systems has reported on my credit multiple times a month, this debit was taken off in XXXX for identity theft and now IC Systems has re-aged this debit on my account. I have sent them letters to verify the debit as well and have not received anything back. I have also contacted XXXX and talked with them about the issue and that it was taken off in XXXX They were able to see this and also added a fraud alert on my account. They continue to call me and try to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters XX/XX/2021 calling XXXX, XXXX and transunion out because of the outstanding violation and unknown items that happened on my credit report. Over 30 days have passed and i still have not received any response. I feel like i am being ignored of my disputes. Section 611 ( a ) states failure to investigate these items within 30 days gives immediately reason to delete all these items from my credit report. Because my dispute was sent more than 30days, they should delete promptly. I demand those accounts to be deleted as soon as possible or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach that happened and my information may have gotten in the wrong hands.