23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage loan servicer Lakeview reported me 120 days late on payments after forbearance period. I have a letter stating that " Standard credit reporting will resume 30 days after your forbearance ends. '' I would like to sue them for hurting my credit score. It went from XXXX to XXXX on XXXX, this affects my ability to obtain a security clearance and maintain my job.
Product: Credit reporting or other personal consumer reports

Please review the attached documents. I request the bureau to initiate an investigation into accounts that falsely report me as late, even though I have never been overdue.
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 under the ( EFTA ) Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

TO WHOM IT MAY CONCERN My name is XXXX XXXX. I am an entrepreneur the CEO of XXXX XXXX and currently a marketplace seller with XXXX. I hope this message finds you well. I am writing to formally express my frustration and concern regarding the recent froze of my newly opened account ( Checking ending is XXXX ) with Capital One and the withholding of my funds, nearly the {$2500.00} currently in limbo. I was shocked to discover that my accounts had been FROZE without prior notification or explanation. I have been a loyal customer, and I expect transparency and communication regarding any actions taken on my accounts. The inability to access my funds has placed me in a challenging financial situation, and I urgently need these resources released. As soon I opened my account, they asked me to transfer money and I did transfer from my personal checking and now Capital One holding my funds. This has caused me serious inventory shortage and my XXXX seller performance went down which will result in suspension of my XXXX seller account. These funds are my income and I can not pay my rent and bills which will result me from being evicted by my landlord. Also warehouse rents are also due which will result in eviction in the next 15 days.
Product: Bank account or service

I opened a new Citi regular checking account in XXXX 2016, with promotion code XXXX, to earn {$400.00} bonus for new account by depositing {$15000.00}. I confirmed my eligibility for this offer and the deadline for initial fund through contacting with customer service online. And I deposited {$15000.00} before the end of XXXX 2016. I maintained the same balance for 30 days and waited until XXXX. I contacted with customer service again in early XXXX to check when the bonus will be posted to my account. The customer service said it would be XXXX XXXX. But it was still not posted. I requested again on XXXX XXXX, however, they said I 'm not eligible for this promotion any more. I 'm disappointed about how could they reply with different answers before and after. I totally followed the required terms and confirmed with them before.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy there is no full account number, how is this listed with no account number? 

whe was last activity of the acount? 



i need accurate data points 15usc i1681i this can not be 60 days past due, the payments were deferred for 6 months, this needs to be corrected XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary XXXX XXXX Experian Last Updated XXXX, 2022 XXXX, 2022 XXXX, 2022 Payment Status Pays account as agreed Paid or paying as agreed This is an account in good standing Worst Delinquency 60 days past due 60 days past due No update received Balance {$30000.00} {$30000.00} {$30000.00} Credit Limit XXXXYEAR PAYMENT HISTORY OLDER DEROGATORY EVENTS MORE DETAILS
Product: Credit reporting or other personal consumer reports

It was a huge shock to see discrepancies on my credit report out of nowhere today. Im used to checking it, and everything has always been fine until now. I refreshed my browser hoping it was a glitch, but the inaccurate accounts were still there. I need assurance that the documents Ive provided will be checked thoroughly, so I can finally put this behind me and stop stressing over it.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report
Product: Mortgage

In XX/XX/XXXX, Fifth Third assumed the mortgage for my property. In XXXX, they informed me flood insurance was required. I provided documentation, including the site plan for the new house build showing elevations of 65 feet. However, they required documentation from XXXX. 

I submitted the same documentation to XXXX, but they requested an XXXX XXXX  ( XXXX  ). Despite the fact a surveyor had already completed a survey during the house build, I had to pay extra for this certificate. The XXXX confirmed the elevation at 65 feet. XXXX issued a XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) dated XX/XX/XXXX, confirming the property is not in a flood zone. XXXX also acknowledged their outdated XXXX maps and informed me updates to these maps only occur with significant developments in the area. 

The XXXX letter was provided to Fifth Third, confirming the property is not in a flood zone. Despite this, Fifth Third pulled a lender-placed insurance and is requiring I pay the amount from XXXX to XXXX. They are requesting I backdate the XXXX letter for a potential refund, which is inappropriate since the land 's elevation has not changed over the past four months. 

I have contacted the President of Fifth Third twice, but their stance remains firm regarding insurance payment. Additionally, I already have full insurance on the house and their lender-placed insurance is 2.5 times more expensive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company SUNRISECRED account number XXXX. Per FDCPA I am aware that a chargeoff or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Mortgage

Since Nationstar did not comply to my previous request, I would like to add to my previous complaint ( XXXX ). Please, se the attached letters. CFPB is welcome to publish them. Thank you.
Product: Debt collection

I have received a phone call from a company called XXXX. They called today and made a threatening phone call that I have a check from 2008 that needs to be paid. Stated that they will turn it in to my sherriff 's dept if I do not resolve it tonight. He also stated that he needs a statement from my attorney to release me?? The gentleman on the phone was no gentleman. He was very rude. Would not let me talk. I asked for detailed information. He stated he does not need to send me detailed information as it was public record. He has my bank information, my ssn, very private information. This is very disturbing.
Product: Money transfer, virtual currency, or money service

Bank of America has both ACH and wire transfers in the same location on their website which is extremely confusing for the consumer when they make transfers. On Tuesday XX/XX/year> I went into my online banking to make a {$57000.00} Wire transfer to purchase a home. Once I completed the transaction I looked at the receipt provided and saw it was sent as an ACH transfer. I immediately called Bank of America and informed them that I wanted this transfer to go through as a wire, not an ACH transfer, and asked why it was sent as an ACH transfer and I was told because I didn't select " same day '' transfer. How is the consumer supposed to know that a same-day transfer means wire and next-day transfer means ACH? I immediately asked them to cancel the ACH transfer because the title company can only accept Wire transfers. They told me that they were canceling the transfer and the money would be back in my account the same day or by XXXX XXXX  the following day. The following day ( XX/XX/year> ) I checked the bank and my money was still not showing up in my account so I called in and spoke with 4 different representatives and was told by 2 of them that the transfer was rejected and the other 2 told reps informed me that Bank of America canceled the transaction which now only adds to my confusion. I am now being told that I won't have my money for 1-3 business days. I explained to them that these funds were being used to purchase a home and that the funds had to be transferred today to the title company in order for me to close on the home. Bank of America 's response was everything is electronic and there is nothing we can do about it. I believe as a consumer that is completely appalling that a bank can have such a confusing online banking transfer system and then when a consumer clearly makes a mistake and the bank can see that the bank still has the consumer 's money on their side would make a consumer wait 3 business days to get their money back. I don't know what else to do because I may lose out on purchasing this home because Bank of America won't release my funds back to me and saying I have to wait to get my money back that Bank of America has. I spoke with the escrow officer and the title company and explained to her what is going on and she told me that this is the second time this situation has happened to her clients within the past week dealing with Bank of America
Product: Debt collection

I received a voicemail on my work phone from a XXXX XXXX stating she was from Bayside Capital Services LLC calling to collect a debt and that there was a " legal document '' that was going to be delivered to my place of work and home requiring a signature, if I didn't contact them. I returned the call on my cell phone and told her expressly to take my work phone number out of their contact database because they were not authorized to contact that number. I told her that I had settled the debt with the creditor that she was supposedly representing. She claimed she was going to send an email with some reference to the matter and review it with me over the phone. She hung up and I didn't receive an email until the next day. The next day she again called my work phone and left a voicemail. I called back on my cell phone and again instructed her that the number she was calling was not my personal number and she was not to call it. I told her I was formally disputing the debt, as per the instructions in the letter attached to her email ( which said that if they didn't receive a response in 30 days, they would consider the debt valid ). I told her I was going to mail the letter. She asked me to fax it. I faxed it and received a confirmation that it was delivered. She called my work number again the next day and left a voicemail. I called her back again from my cell phone and told her to stop calling my work number. She threatened that this " legal letter '' was going to be delivered to my place of work. I told her ( per the letter I was sent ) I was disputing the validity of the debt and I had sent the fax as she requested. She claimed the fax wasn't received, even though I had received the confirmation. She started accusations that I was stalling and didn't want to pay what was owed and that I needed to send her some proof that I had paid the debt or she was going to send this letter. I told her it was up to her to investigate my dispute. I told her I would resend the fax. After I hung up, another individual called my work phone AGAIN, and left a message saying he was her supervisor and that they didn't receive the fax I sent the day before. I didn't call back. I resent the fax and received another confirmation. This debt was settled with the creditor over a year ago. I checked my online account and all paperwork with the creditor. My work number was never associated with this account ( she lied and said it was and that is how they got the number ). This company is just harassing me and calling my work phone and threatening to send documents to my job to intimidate me. They are trying to collect money from me that has already been settled over a year later.
Product: Credit reporting

I do not have SSN because I 'm on XXXX not able to work, therefore, XXXX does not issue SSN to me. 
However, I 've built my credit for over 10 months now, only XXXX provided me my credit report and score, as I requested, with alternative ID and security questions, while I dont have ssn. 
But Transunion refused to provide me my annual report & credit score just because I 'm unable to provide a ssn which I dont have, and I cant obtain.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to report Coinbase for egregiously misleading practices regarding its Coinbase One subscription. The information presented during the sign-up process starkly differs from the terms revealed after the user has subscribed, which constitutes deceptive practices. 
1. Hidden Cap on XXXX Trading Fees : The sign-up page prominently advertises XXXX trading fees but fails to disclose that this benefit is capped at {$10000.00} in monthly trading volume. This critical limitation is only revealed in the welcome email after the user has paid the {$30.00} subscription fee. There is no asterisk or upfront disclosure of this cap on the sign-up landing page, and the deception is clearly deliberate, as the welcome email prominently presents the precise cap. That the company only discloses this after users buy is at best predatory, and is potentially criminal. 
XXXX. Concealed XXXX  % Spread Fees : XXXX egregiously but still dishonestly, Coinbase also omits clear disclosure of the XXXX % spread charged on each transaction. When selling or converting crypto, users must actively click through to a separate page to uncover how much they are actually being charged for the transaction. 
3. Financial Impact on Consumers : Due to this lack of transparency, I signed up for Coinbase XXXX under the expectation that I would avoid trading fees. After learning about the {$10000.00} cap and hidden spread fees, I am now effectively forced to pay an additional {$300.00} in fees if I wish to convert my XXXX XXXX XXXX XXXX  holdings to XXXX XXXX XXXX XXXXhis bait-and-switch practice has caused me financial harm, as the aforementioned fees are on top of those I've already paid to receive the funds, and these funds are now losing value to fluctuations in XXXX price while stuck in the account awaiting a resolution.

I would not have subscribed to Coinbase One had the true terms and fees been disclosed upfront. Coinbases practices appear designed to mislead consumers into paying for a service based on incomplete or deceptive information, which violates fair advertising and consumer protection laws.

Resolution Sought : I request that Coinbase : 1. Allow me to convert my XXXX to XXXX or USD without incurring the hidden fees associated with the Coinbase One subscription ; and 2. Refund the {$30.00} subscription fee, previous fees from this month, and provide a clear path to withdraw my funds without penalty. 

Thank you for investigating this issue and holding Coinbase accountable for their deceptive practices.
Product: Debt collection

i called transunion on XX/XX/2020 to get inquires dropped off my credit report i mailed documentation 60 days ago they said they haven't received it asked them what is next option they want me to send information again
Product: Debt collection

I've contacted Credit Acceptance, asking them to verify the debt. Along with all the original documents along with my signature. I was given a balance over the phone of {$4000.00} to pay off my debt. Now the balance is now over XXXX. Despite me contacting them and asking them to verify my debt. They continue to report late payments to my credit report, and have failed to send me any settlement offers or verify the debt owed. I no longer have the vehicle so I'm not understanding why they are asking for a large amount when the vehicle has been sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a collection account was added to my accounts with all three credit bureaus in the amount of {$5300.00}. The reporting party is Medical Data Systems, and the original creditor is listed as XXXX XXXX XXXX. I have had services performed in the past at XXXX XXXX XXXX, the last date of service was XX/XX/XXXX. Due to the length of time since having had any communication from XXXX, and also having no familiarity with the debt in the amount reported, I disputed the account with all three bureaus. XXXX promptly removed the collection account ; however, XXXX and XXXX continue to report the account as open but disputed. Over the years I have made payments via self-pay and through tax return garnishment, in addition to any payments made through insurance. I have contacted XXXX XXXX XXXX and all their affiliates, and have an official written statement of current balance owed along with dates of service/services performed and associated charges. The amount owed by me, to date, to XXXX is {$3300.00}. I have also received notification from the SC XXXX of their intention to garnish my upcoming XXXX SC tax refund toward further payment of this debt. I contacted Medical Data Systems on XX/XX/XXXX to advise them of the discrepancy in amount owed vs. amount being reported on my credit, they stated that they are unable to alter the amount until advised by XXXX to do so. The {$5300.00} dollar amount is what is currently being reported to them by XXXX, with no payments toward the balance being indicated. I have since tried to contact someone at XXXX in regards to this matter, twice on XX/XX/XXXX and once more on XX/XX/XXXX, having left two voicemails after having been told by a billing rep that their office was unable to address the situation and to call a supervisor. It is unacceptable that I am having to make multiple, thus far unsuccessful, attempts to have incorrect information that is detrimental to me changed.
Product: Credit reporting

For the past several months, I have been disputing several inaccuracies that are listed in my credit report I have written XXXX letters to the credit bureaus in which I requested these inaccuracies be removed. 
Unfortunately, the credit bureaus have refused to comply with my requests. The inaccuracies are as follows : Bureau : Equifax Account Name : XXXX XXXX Account Number : XXXX I was never late I send XXXX several letter about the issues no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned my leased car with XXXX on XX/XX/2021, before the actual end of lease date and with some equity on my miles. I went through the whole process as to wear and tear and it was determined that there was no outstanding balance due. When I returned the car, I asked if we were settled and he confirmed we were.Because of the pandemic at the time, I was living abroad. Upon my return on XXXX and while going through my correspondence I noticed a bill from XXXX for {$380.00} for " Turn in fee ''. Their correspondence from XX/XX/XXXX stated " Payment due within 10 Days '' and further states : " .... Once your account reaches delinquency ... a derogatory mark will be reported to credit bureaus. '' Payment was made on XX/XX/XXXX, before the 10 days term set out on their won letter. 

Notwithstanding, XXXX went ahead and set a derogatory mark on my Experian Credit report. Needless to say, my payments history with XXXX and all other creditors is outstanding. 

I have sent several letter explaining the situation and only get form letters back. I have several issues with this whole process : 1 ) When I turned in the leased car ( Before the lease term and with equity on milage ) the agent confirmed we were " settled ''.

2 ) XXXX only attempted to collect via USPS, no e mails, no calls, when they are not shy about sending electronic correspondence and calling about other things.

3 ) Why did they not deduct the amount owed ( {$380.00} ) from the account they had been deducting the lease payments?

4 ) As if none of the above are reasonable enough, why do they not follow their own process set out on the XX/XX/XXXX letter? 
5 ) Last but not least, why is there even a " Turn in fee ''? Further when there is equity on the milage and the car was turned in before the lease term. ( to be addressed with the FTC ). 

To add injury to pain, XXXX misreported to Experian, reporting only the amount of the total loan and not the actual outstanding amount {$350.00}. 

I respectfully request that my credit is not affected for the reasons set-forth hereon.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/OLDNAVY XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company. 

Inquiry was made on XX/XX/XXXX by SYNCB/OLDNAVY. 


I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social US SM BUS ADMIN ODA number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Product: Credit reporting or other personal consumer reports

XXXX is in violation of 15 USC 1681 2 ( a ) : A consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. I have not given permissible purpose nor consent to report these " Late payments '' or share my individual privacy. XXXX is effecting my credit worthiness. I demand correction under the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are on authorize items on my credit report that I did n't pull my credit XXXX hard INQUIRIES THAT ARE AFFECTING MY CREDIT SCORE THE INQUIRIES WAS REMOVED FROM MY XXXX CREDIT REPORT BUT THE INQUIRES FROM YOUR COMPANY IS STILL SHOWING ON MY CREDIT REPORT I SEND AND LETTER AND TRYING DISPUTTING INQUIRES AND GETTING A LAWER THIS IS FRAUD ON MY REPORT AND HURTTING MYSELF AND CHILDREN