23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Nationstar Mortgage continues NOT to notify us of escrow increases. Nationstar does not provide us billing statements nor allow us online access to our account. In XXXX, we had an escrow increase with No notification, and then we received a XXXX XXXX court notice of foreclosure by Nationstar. This tactic appears to be " predatory : to me. They can not provide : coupons, billing statements, escrow changes, late payment notifications, online access XXXX to all clients ) but they can notify the XXXX XXXX Court of intent to foreclose. 
XX/XX/XXXX we took the initiative to contact Nationstar and found out there was another escrow increase. Since we did not receive notification, I would assume the same process would have started all over again. 
Even though we were vindicate in XXXX XXXX court, Nationstar 's inadequate processes of processing payments negatively impacted our credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went car shopping multiple inquiries supposed to count as one inquiry if within 30 days. Called to dispute. I did not ask for the items to be verified and thats all they did.
Product: Checking or savings account

We were charged {$39.00} on XXXX, XXXX, and XXXX, XXXX months consecutively by XXXX, for charges we did not authorize. We tried to tell XXXX, and it fell on deaf ears. We submitted a dispute to Wells Fargo. They temporarily credited our account. However, even with us telling the WF rep that we did not have any information other than what we gave her at the time, we received a request for more. After calling and telling them we did not have more, we later got a notice stating because we did not provide more, they were again debiting our account with the charges. First, we did not authorize these electronic charges. Second, upon telling our bank that we did not authorize the charges, it was incumbent upon them, under The Electronic Fund Transfer Act, to prove that this was a valid charge, not upon the one upon which the fraud was perpetrated on. We were defrauded, we were charged the wrong charge. I have XXXX, my wife has XXXX XXXX XXXX XXXX, and we do not have the funds, mindset, nor the energy to deal with all this. You have my permission to speak with my wife just as if you were speaking with me.
Product: Credit reporting or other personal consumer reports

XXXX 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 the FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  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 that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Midland credit contacted play of employment via corporate phone number searching for the person who owed the debt, per FTC guidelines this attic is not allowed.
Product: Money transfer, virtual currency, or money service

I am a consumer and have a personal account with Coinbase. I have been locked out of my Coinbase account for over a year due to an unresolved issue with identity verification. Despite following Coinbases procedures and submitting the requested documentation multiple times, Coinbase has failed to verify my identity and restore access to my account. 

Since the lockout, I have not received any account statements or transaction updates, leaving me completely in the dark regarding the status of my funds. Coinbase has not provided any mail-based or electronic account statements, which has made it impossible for me to manage my account or ensure my funds are secure. As a financial service provider, I believe Coinbase is obligated to provide account holders with regular statements, especially when account access is restricted. 

Here is a summary of actions taken : Date of lockout : Since XX/XX/year>XXXX I was informed that my account was locked due to identity verification issues. 

Actions by Coinbase : Since that time, I have followed Coinbases requests for identity documentation and repeatedly contacted their customer service to resolve the issue. However, they continue to delay verification and have not provided any reasonable explanation for the ongoing restriction. 

My actions : I have submitted the necessary identity verification documents as requested by Coinbase, but there has been no progress. I have also asked for account statements or transaction details, which have not been provided. 

Amounts : As I have no access to my account, I can not accurately assess the total amount of funds currently held by Coinbase. 

Failure to Provide Statements : Coinbase has failed to mail or provide online access to account statements, leaving me unaware of my accounts current status or any activity that may have occurred during the lockout period. 

I believe this situation is a violation of consumer protection regulations, particularly under Regulation E, which requires financial institutions to provide periodic statements. Coinbase 's failure to comply with these regulations has caused me significant distress and concern over the safety of my funds.
Product: Credit card or prepaid card

Closed two of my credit cards and lowered limits on two other cards that I have with them I have never missed a payment and have been with them for years Oldest card 2014. 
After closing my accounts the rewards are no longer there.
Product: Payday loan, title loan, or personal loan

I was unable to view the truth in lending disclosure until after loan had been processed and funds delivered to my account. I was not informed of the 473.733 % interest charge. To date Ive paid {$1700.00} to date for interest on a {$1600.00} loan. Ive only paid {$140.00} towards the principal. And Ive only made 9 of the 26 installments to this company.
Product: Debt collection

I was alerted on XX/XX/year> that I had a collection for the amount of XXXX from IQ DATA INTERNATIONAL regarding an account that was previously paid and closed. I have documentation of the account being closed and paid. Prior to the notification on my credit report, I never received any notification from this company. When contacting the company to show proof of the account being paid and closed they weren't willing to provide me proof of debt or were willing to listen to me that I owed XXXX debt.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice of dispute regarding the accuracy and verification of certain accounts listed on my credit report. I have identified discrepancies in the reporting of these accounts and request that each creditor provide detailed verification of the following items : XXXX. XXXX Amount Owed : Please verify the total amount owed as {$1200.00}, ensuring it aligns with all reported figures. 

Date of First Delinquency : Confirm the accuracy of the reported first delinquency in XX/XX/year>. 

Date of Last Payment : Provide documentation supporting the absence of payments within the reported timeframe. 

Payment History : Clarify and verify the progression of delinquencies leading to the charge-off status as of XX/XX/year>. 

Method of Verification : Detail the process used to verify the debt, including contractual agreements and payment records. 

XXXX. Affirm Inc. ( Account XXXX and XXXX ) Amount Owed : Confirm the charged-off amount of {$1500.00} and the past-due balance of {$1300.00}. 

Date of First Delinquency : Verify the accuracy of XXXX  days past due as of XX/XX/year> for XXXX and XX/XX/year> for XXXX. 

Date of Last Payment : Provide the records of the last payment dates as reported in the payment histories. 

Payment History : Reconcile any inconsistencies in the reported delinquency progression. 

Method of Verification : Submit evidence of the validation process for both accounts, including payment history and original agreements. 

XXXX. XXXX XXXX  Amount Owed : Verify the reported balance of {$5100.00} and ensure all records are consistent. 

Date of First Delinquency : Confirm XXXX  days past due as of XX/XX/year> and subsequent progression to XXXX days past due in XX/XX/year>. 

Date of Last Payment : Clarify discrepancies in the last payment records. 

Payment History : Provide documentation verifying the payment history timeline and consistency. 

Method of Verification : Include proof of the method used to confirm the account details. 

Please provide all requested documentation and verification within XXXX  days of receipt of this notice, as required by the Fair Credit Reporting Act ( FCRA ). If any of the information can not be verified, I request that the disputed account ( s ) be corrected or removed from my credit report immediately. 

Thank you for your prompt attention to this matter. Please address all correspondence to :
Product: Debt collection

On XX/XX/22 I did a routine check of my credit, and there was a collection added to my file. I contacted the Credit Agencies and disputed, I filed a complaint with the Federal Trade Commission and now I'm following up with The Consumer Finanical Protection Bureau.

This company never tried to verify that the debt was mine. There is incomplete information to verify the account. They haven't shown me a document with my signature proving that this debt is mine. They haven't verified that they are licensed to collect debt in the state of IL.
Product: Credit reporting or other personal consumer reports

According to the CFPB law 15 U.S. code 1601, the XXXX XXXX account # XXXX ( with XXXX ), XXXX, XXXX and Equifax are in violation and should be fined for not adhering to the federal government laws on incorrect reporting or delete. 
I have disputed this account many of times and is very much looking to seek legal help against the credit bureaus because I am not getting help from the protection agency meaning " I'm not being helped ''. 

I am/will not take responsibility for the debt as it is and it needs to be corrected or " DELETED '' according to the CPFB laws for credit agency reporting. 

EVERYTIME I dispute, the company updates the account with a balance and recent update date and then add XXXX more years to the update, THAT IS ILLEGAL. 

I spoke to a representative and the account was charged off in XXXX of XXXX and it is showing a balance of {$810.00} and was update as of XX/XX/XXXX. This account should NOT be updated with a balance and new date. 

I included XXXX credit reports from XXXX ; XXXX that was update as of XXXX of XXXX and another with the payment history that shows that it was charged of in XXXX of XXXX. 

This is very illegal to keep this account as " OPEN '' on my credit file and a violation of the CFPB. Please acknowledge this complaint as valid and will seek legal advice because NOTHING IS BEING DONE.
Product: Credit reporting or other personal consumer reports

The company refuses to say given name. Email XX/XX/2023 XXXX XXXX  I am being asked to pay a debt that my guardian the XXXX  government is assigned to pay by federal government. Email disregards title in given name under state XXXX XXXX, and federal government in, I, being, the XXXX ; of XXXX & XXXX than refuses to say given name in attempts to collect debt from XXXX XXXX  placed in hindrance from error to view an adjustment to initials by an authority from XXXX. to XXXX. where as revolutionary contribution to our nation is ignored while I being XXXX with bare arms established XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX live without a bank free of insubordination.
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 violate 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 XXXX under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit reports/files from Experian, XXXX, and XXXX. All 3 of the credit reporting agencies are reporting 2 collection accounts from XXXX XXXX XXXX XXXX : XXXX. XXXX XXXXXXXX acct XXXX XXXX acct # XXXX XXXX XXXX. $ XXXX acct XXXX XXXX acct # XXXX XXXX This information is inaccurate and is causing a negative impact against my reputation. I do not and have never had a contract with XXXX XXXX XXXX XXXX Experian is reporting this alleged debt as past due even though I have never been contacted regarding this matter. Furthermore, I did not give my consent to XXXX XXXX XXXX to have or purchase any information about me.
Product: Credit card or prepaid card

Apparently someone on XXXX opened a lowes credit card in my name. They did not verify that the person opening the account was me This person the used the card to make purchases in North Carolina. I live in Utah and have not left this state in 3 years. Also I can prove I was at work in Utah at time of purchase. This is a fraud case. Lowes states will take 60 days to fix. Well I proved to them wasnt me and yet still 60 days to fix??? What?? 
Also apparently the product that was purchased was bought online and delivered to North Carolin address after I called text and emailed my dispute and closed the account on fraud charges. 
They still charged the amount and delivered the purchases to the person or people who stole my identity.
Product: Student loan

I have a problem with XXXX PSLF program. They said my account has been " in review '' since XXXX. I am trying to get an official letter stating the total months of eligibility I have received. They said its 24 months on the phone but they won't provide this information in writing. I have called 6 times over the last 6 months. They said their processing update time is normally " 10 to 12 month '' but since my account has been " in review '' since XXXX  this is well beyond their already lengthy processing time. I would like to find out what actions I can take to force them to acknowledge my student loan forgiveness eligibility before accepting another job in a PSLF eligible field.
Product: Mortgage

My house is been foreclosure on with fraudulent assignments, and we were attempting to modify the with the loan service but instead we were placed in foreclosure while accepting documents for a modification. This is dual tracking. I asked for the gap account because I questioned the amount owed. I sent QWR
Product: Credit card

XXXX XXXX XXXX JP Morgan Chase Bank , N.A . Member FDIC for Unauthorized Payment and Denied Refund Dear CFPB Complaints Department, I am writing to formally file a complaint against JP Morgan Chase Bank , N.A . XXXX FDIC regarding an unauthorized transaction and their refusal to issue a refund despite my cancellation of the payment. 

Details of the Complaint : JP Morgan Chase Bank , N.A . Member FDIC Credit Card Date of Unauthorized Charge XXXX XXXX Transaction Amount : {$XXXX} Merchant Name : XXXX XXXX XXXX XXXX On XXXX XXXX date of Payment Cancellation, I took the necessary steps to cancel a scheduled payment to JP Morgan Chase Bank , N.A . Member FDIC following the proper procedure as required by the merchant. Despite this, on XX/XX/2025 an attempted unauthorized charge was made in the amount of {$XXXX}. The payment was returned due to insufficient funds and a XXXX attempt was made on XX/XX/2025 in the amount of {$XXXX}, the payment was still deducted from my account. 

Upon noticing the charge, I immediately contacted JP Morgan Chase Bank , N.A . XXXX FDIC on XX/XX/2025 to dispute the transaction and request a refund. I provided evidence of my payment cancellation, including [ e.g., email confirmation, cancellation receipt, communication logs, etc. ]. However, my bank denied my dispute/refund request without providing a valid explanation. 

I believe that JP Morgan Chase Bank , N.A . Member FDIC has violated my consumer rights under : The Electronic Fund Transfer Act ( EFTA ), which protects against unauthorized electronic transactions. 
The Fair Credit Billing Act ( FCBA ), if this transaction was made using a credit card.
Product: Debt collection

On XX/XX/XXXX, XXXX received the first initiation of debt from the First National Collection Bureau that I owe $ XXXX requested verification on XX/XX/2021, via a certified letter. 
On XX/XX/2021, I received two letters stating that XXXX XXXX XXXXXXXX XXXX manages XXXX XXXX, XXXX on behalf of the First National Collection Bureau. The other was an account summary report stating that the debt was validated. 

I responded on XX/XX/2021, requesting that XXXX XXXX XXXXXXXX XXXX ceases communication with me. Since the debt in question has been legally expired under the Statute of Limitation and they were a direct violation of the FDCPA. 

XXXX XXXX XXXX, XXXX continues to harass me for on XX/XX/2021, I received yet another printout summary saying the debt has been violated. I have then again responded and requested that the cease communication since this debt has reached it Statute of Limitation.
Product: Credit reporting or other personal consumer reports

Leased a new car from Hyundai ( Hyundai Motor Finance ), Lease term was 36 months from XXXX to XXXX. All monthly lease payments were done on time never late and completed in full. I returned the car back after the lease and got a request for payment of {$400.00}. Called Hyundai and they told me that because I did not lease a new car, or purchased the car from them, I had to pay the {$400.00}, that is much more than my monthly lease was. I disputed that alleged debt and asked them to provide evidence, they did not provide any. 

Meanwhile Hyundai reported to credit agencies that I owe {$420.00} now. I have a dispute with Hyundai about this amount and also tried to reach a settlement with them, they refused to talk about it. They reported this alleged debt to credit agencies as if it was part of the loan. That is not correct, it is a disputed charge after the lease payments were paid in full. Their report is wrong, the {$400.00} had nothing to do with the monthly lease payments that anyway were already paid in full. Now this alleged balance shows up as nonpayment delinquency every month on my credit report. By filling this false information Hyundai tarnishes my reputation and negatively affects my credit history. After they made the report to credit agencies, they after initially ignored my request to settle, offered to settle by giving me a small discount. I made a counteroffer which they ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

First XXXX and my last name not right on my credit report hard inquiries not matching
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of this year I filed disputes with the credit bureaus and yet to this day have a received anything from them. This is holding up my processes of repairing my credit and I feel this isnt right. I know the law said they must reply within 30 days it has been longer and this should not be allowed no matter what going on.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO CEASE AND DESIST Dear Sir/Madam, You are hereby notified to immediately cease communications and reporting on my credit report concerning the collections and the alleged debt associated with the accounts referenced above. This letter serves as a written request pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt, including the original creditor 's name and address, the amount owed, wet ink signature, My fingerprints, Original contract, and proof that you are licensed to collect debts in my state ( if you are a debt collector ). Until such time as you provide verification of the debt, I am exercising my right to cease and desist all collection activities. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. Furthermore, I am requesting that all communication regarding this debt be conducted in writing only. Please do not contact me by phone, email, or any other means except in writing. Any further attempts to collect this debt without providing verification or in violation of the FDCPA will result in legal action being taken against your agency. IF YOU OR ANY OTHER AGENT OF YOUR COMPANY ATTEMPTS TO CONTACT ME OR CONTINUE REPORTING THE ALLEGED DEBT, A FORMAL COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION. Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) In closing, please acknowledge receipt of this letter and confirm that you have ceased all collection and reporting activities on this debt. Failure to comply with this request will result in further legal action. Sincerely, XXXX XXXX