23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received notice on XX/XX/21 that an escrow analysis had been performed on my mortgage account, and that my monthly payment would raise from {$2100.00} to {$6900.00}. This was due -- according to the notice -- my county tax bill being {$22000.00}. In fact, this was a keying error, and XXXX XXXX tax bill was actually {$2000.00}. According to the online " XXXX XXXX '' for my account, the bill was scheduled to be paid XXXX next day. Upon receipt of the notice ( sent by email ) of the escrow analysis, I immediately called the bank to inform them that they made a mistake, request that it be fixed, and that my payment be corrected. The employee I spoke to understood the issue, and realized that it was important to be fixed. After a long hold, I was told that it was corrected and that the new payment would be reflected on their website the next day ( XX/XX/21 ), but he wouldn't be able to tell me what it would be. 

As of today, XX/XX/21, the payment listed on their website for my next payment is still {$6900.00}. I've been unable to reach a representative on the phone, and the bank 's response to my message on their website asking them to please correct the payment indicates that they did not understand my request at all. Having a monthly payment jump {$4700.00} is simply untenable, and reflects gross incompetence by the bank at best, or an attempt to bankrupt me and take the house at worse.
Product: Debt collection

I asked Collection Consultants to stop trying to collect on a debt that has expired beyond the statute of limitations in California and remove from my credit report. They insisted they could still collect. Now, they have added false statements stating they're not able to reach me, although they have sent me notification to stop contacting them.
Product: Credit card or prepaid card

I'm attaching a screenshot of the letter sent to my by unemployment regarding my first unemployment check for week ending XX/XX/20 that states my direct deposit was rejected and why. Every check after has been deposited into my new bank but my first check is nowhere to be found. I received a us bank reliacard in the mail and activated it but it did and still does have a XXXX  balance. I contacted reliacard who says they cant help cuz they never received any money for .me and to contact unemployment who said to contact reliacard. Please help me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported on my account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Student loan

I was under the impression that during a forbearance period that my lender navient would not report my student loan to collections reporting agency causing my student loan to affect my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX has violated my Rights. 

The following accounts have been furnished as late. 

See XXXX Accounts : - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 states that I as a consumer have the right to privacy.

15 USC 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, there is an eviction from XXXX XXXX XXXX, dated XX/XX/2016, and is filed 2 times in the same month. One is dated XX/XX/2016 and XX/XX/2016. I recently emailed the Property Management for the complex to see if there was a balance owed or left behind and there was not. I was then directed to XXXX where I was told I dont have an open account. Im now looking to move and I keep getting rejected because of the information. Please assist with removing this information as I was never evicted nor do I owe a balance. Thank you. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any Items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX
Product: Credit reporting or other personal consumer reports

It has been over 30 days since Ive submitted my disputes to the Credit Reporting Agencies to which Ive received no response.
Product: Mortgage

I paid off my mortgage w/Nationstar on XX/XX/2015. The said they mailed out the release of lien on XX/XX/2015. I 've contacted them XXXX times since then and they assured me that the release of lien is being sent each time. As of XX/XX/2015 the recorder 's office at XXXX XXXX has not received it. The last time I talked to them they said it will be mailed and I will receive a email copy. When I opened my email I found a payoff statement of which I have XXXX of. That 's what they keep sending me. On XX/XX/2015 I got a email saying the release of lien has been sent to the recorder 's office and to contact them. I then received a postal letter that said it was in response to my request on XX/XX/2015 for documents to be mailed to me. Guess what, it was another payoff statement. The loan has been paid in full since XX/XX/XXXX. I would find it hard to believe that a company could remain in business and be so incompetent but Nationstar is living proof. And I am not the only XXXX, I plugged Nationstar on XXXX and I read about XXXX letters worse than my situation and I had n't got an XXXX of the way down the page before I gave up. Not XXXX had anything good to say about them. I was going to write the CEO XXXX XXXX but after I saw that XXXX page I figured that he must know how XXXX up his company was, so I came here.
Product: Credit card

XXXX transferred my XXXX card into a XXXX XXXX card. When they did so, they failed to maintain my auto-bill information on file and did not notify that such information would not be transferred. As a result, my payment was not auto-paid as I requested. I now have a derogatory mark on my credit score that will not go away for 7 years. I would like XXXX to clear the derogatory mark and waive all late fees and interest charges associated with their failed transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates a the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Mr Cooper a division of Nationstar mortgage is my lender. Recently I was placed on a forbearance program where for 6 months my mortgage payments will be deferred. It was made very clear to me in writing that after the six months, all payments become due and payable immediately. It is very clear that the payments will not be added to the end of the loan. This is very predatory, and will result in many defaults including mine. I can't believe this is legal, the way they are taking advantage of the Covid situation. Please help me. Mr Cooper XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXXXXXX ] [ XXXXXXXX XXXX XXXXXXXX ] [ XXXX ] [ ( XXXX ) XXXX ] [ XX/XX/year> ] [ Experian ] [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX ] Re : Experian Data breach Dear [ Credit Bureau Name ], I am writing to dispute an item on my credit report that I believe is inaccurate. I recently obtained a copy of my credit report from your agency, and I noticed the following discrepancy : All accounts and information have been involved in a data breach and my information has been solicited Disputed Information : [ there is an error reporting, incorrect balance, missed payment, account status, etc. ] Explanation : [ due to the data breach I would like all negative inquiries removed from my credit report I request that this information be investigated and corrected as soon as possible. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a timely investigation of this dispute. I have attached copies of any relevant documents that support my claim ( such as bank statements, receipts, or correspondence with the creditor ). 

Please conduct a thorough investigation and remove or correct this inaccurate information on my credit report. I would appreciate a written confirmation of the outcome of your investigation, as well as an updated copy of my credit report once the dispute has been resolved. 

Thank you for your prompt attention to this matter. If you need additional information from me, please do not hesitate to contact me at [ ( XXXX ) XXXX ] or via email at [ XXXX ]. 

Sincerely, [ XXXX XXXX ]
Product: Checking or savings account

I write again as a severely distressed SoFi consumer, after having previously had my daily check limits lowered to {$1000.00}, then increased to {$150000.00} upon a grievance with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  2024. 

You will note my XXXX  when again today, when attempting to deposit a {$6000.00} XXXX deposit check, I note my deposit limits again lowered to {$1000.00} with a - {$500.00} available to deposit today XXXX XXXX, 2024. This matter lends to extreme duress, and gravely impacts my ability to bank online meriting urgent and immediate resolution once again at this level, prior to commencing further complaints with local media XXXX XXXX reporters to aid in said resolution. I am also once again commencing a complaint with the CFPB for ensure that these grievances are all logged to enhance my ability to utilize my online banking with SoFi. 

Kindly contact me urgently to ensure this challenging matters immediate resolution and reinstatement of my daily check deposit limits as noted and advised previously in my Grievance in XXXX, 2024. 

Thank you kindly in advance for your immediate response and assistance in this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been wrote Equifax numerous times demanding what I need done to in order for my consumer report to be fair and accurate. Equifax refuse to do anything that is demanded of them according to the Gramm leach Bliley Act and Fair Credit Reporting. On XX/XX/2022 ; I noticed on their website in their data sharing policy it states that " Equifax shares data with an organisation based on the data subject 's consent ''. They are admitting that they need the data subject 's consent ( consumers ) to release any information. 
15 USC 1681b ( a ) ( 2 ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates.

I have hand written a letter, I have printed out their data sharing policy, and A copy of the laws that this company is violating
Product: Checking or savings account

On XXXX at 1731 hours, my wife and I deposited 6 {$50.00} bills in the ATM at US BANK in XXXX, Nevada at XXXX XXXX XXXX . The ATM took our money and did not deposit into our account with XXXX XXXX XXXX  who is a sister bank that uses US Bank. when we made the deposit, we received a receipt that stated, " A MACHINE ERROR HAS OCCURRED WE ARE UNABLE TO CREDIT YOU ACCOUNT OR RETURN SOME OF THE ITEMS YOU ATTEMPTED TO DEPOSIT. '' For the record it took all the money we attempted to deposit and after many emails and multiple dispute submissions US BANK has still not resolved the issue. The Bank Branch manager stated, after I showed her, the receipt verifying that their ATM stole our money she stated at the bank, and I quote " We don't have {$300.00} dollars to give you. '' This is theft, I filed a police report and the police will not investigate. US BANK has not returned our money. I want my money or the next stop is with an attorney.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Comenity Bank regarding the inaccurate reporting of my credit information to consumer reporting agencies. The details of the complaint are as follows : Account Information : Original Creditor : Comenity Bank Account Number : XXXX Inaccurate Date of Last Activity ( DLA ) Reporting : XXXX is reporting DLA as XX/XX/XXXX, while XXXX is showing XX/XX/XXXX. This discrepancy in reporting raises concerns about the accuracy of the reported information. 

Inaccurate Open Date Reporting : XXXX is reporting the open date as XX/XX/XXXX, while XXXX is reporting XX/XX/XXXX. Again, this discrepancy raises doubts about the accuracy and consistency of the reported information. 
Transfer of Account : Comenity Bank sold off my account to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Despite this, Comenity Bank continues to report inaccurate information to credit reporting agencies. Comenity Bank no longer services my loan, yet it persists in furnishing inaccurate information about my account.

Prior Complaint : Reference is made to my previous CFPB Complaint filed on XX/XX/XXXX ( REF # XXXX ) regarding Comenity Bank 's inaccurate reporting. Comenity Bank responded on XX/XX/XXXX, asserting the accuracy of their reporting. ( Attached : Prior CFPB Complaint and Comenity Bank 's Response ) The attached documents prove your furnishing of inaccurate information.

Legal Violations : Comenity Bank is furnishing inaccurate information to consumer reporting agencies, which is prohibited by law. 
Violations of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and ( B ) of the FCRA, which mandate accurate reporting and correction of known inaccuracies.

Demand for Action : Comenity Bank is hereby put on notice to cease and desist the reporting of incorrect/inaccurate information immediately.

Pursuant to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), Comenity Bank must delete the erroneous account from my consumer reports within 10 calendar days.

In conclusion, Comenity Bank has violated federal laws governing accurate reporting and furnishing of credit information. The continued reporting of inaccurate information has caused severe harm to my financial standing and reputation. I demand this account be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

made pay to delete arrangement with XXXX XXXX. please delete.
Product: Checking or savings account

Hi, today I just found that both of my checking and saving account of Bank of America have been closed. When I try to contact them to ask about the reason, they said there is no need to tell me the reason. They will not pursue any chances to do business with me. Since this is the only debit card that I have, It really brings the inconvenience to me. I need the reason why it closed.
Product: Money transfer, virtual currency, or money service

It was a private business matter collecting a debt from a XXXX account I do not have
Product: Credit reporting or other personal consumer reports

Information is incorrect & it is CFPB job to make sure our credit report is ACCURATE & my credit report is not. There is a balance of {$83.00} on my credit report from XXXX XXXX XXXX & I don't owe anything at all.
Product: Credit reporting or other personal consumer reports

I had request them to reinvestigate an account on my credit report which has multiple late payments that should not be reporting on my credit report. I ask them multiple times and I didn't get any information back except for them saying this account is accurate and verified without any proof. this account is violating my rights and going against the federal laws. according to FCRA 15 USC 1681 S-2 IT states " If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. '' it clearly says that financial institutions shall provide a notice which I didn't receive. another law that they are violating is 15 USC 1666B which states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. '' I did not receive anything 21 days later.
Product: Debt collection

To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. I was instructed by the major credit bureaus to file a police report and to put a freeze on my credit reports.
Product: Mortgage

On the day of closing on a refinancing, Amerisave increased the financing fees ( points ) on the loan by {$820.00}. The closing documentation makes it look like it was simply an error by the closing agent, but the company has refused to correct the error or even respond to my complaints.
Product: Mortgage

I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) for Rocket Mortgage regarding my loan restructuring process. 

I was recently informed that my loan restructuring can not proceed without my ex-husband 's permission because the lenders records incorrectly indicate that I am married. I want to clarify that I am not married. My XXXX has never been on the loan and is NOT on the deed to my property. This property is SOLELY in my name, and my name alone. Despite this, I have been required to provide a copy of my divorce decree to prove my single status and my authority to make decisions regarding my mortgage. The state of Virginia is NOT even a community property state and there is no reason to require this. 

I believe this requirement is discriminatory and constitutes a violation of the FCRA, as it improperly conditions my ability as a single woman to manage my financial obligations on an outdated or incorrect marital status that should have no bearing on a mortgage that is only in my name and a deed that is only in my name. 

It is disgusting and unacceptable to require a woman to prove she does not need a husband 's permission to make financial decisions on a property solely in her name.
Product: Money transfer, virtual currency, or money service

This issue is with Coinbase.com. About 4 weeks ago I was prompted to enter my username and password and message said wrong username or password. I verified that I put in the correct credentials. I tried this from my phone, from my computer and different browsers and also cleared browsers cache. When I clicked on " Forgot Password '' I never receive an email to reset the password. 
Coinbase does not have a support number. I tried opening multiple tickets, also tried contacting them social media sites with no response. 2 weeks ago friend suggested I open a ticket and threaten to file a complaint with consumerfinance.gov. I finally got a response. It was a template response that did not address my issue but it was at least a response. I replied back for more assistance and coinbase said they will look into it. I emailed for an update 2 days ago. I have not heard back since. 
I also disabled my account just to be safe using their only number XXXX XXXX XXXX XXXX they had but its not for support. Its an automated system. 
There is over $ XXXX of my funds tied up in my account. All I am asking is give me my access which should be a simple fix. 
Someone at coinbase should at least respond and give me an update. 4 weeks without a resolution or update is not acceptable. I feel like I am getting scammed. I don't even know if my account is compromised. 
Please help! 

This is my Coinbase case number Case # XXXX
Product: Consumer Loan

Leased a new vehicle from GM Financial. I asked to change the payment due date to later in the month when I received my next paycheck. I had made one payment at the dealership. The customer service rep told me that I had to make an additional payment prior to changing my due date. I have leased a car once before and this was not the case. This is an arbitrary rule that hurts the consumer. So because I decided to buy a car on the XXXX my payment is now due every month on the XXXX. Also the rep did not inform me that the call was being recorded.