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

All monies reported to be returned and/or refunded.
Product: Mortgage

Loancare LLC purchased my loan from XXXX XXXX under the same terms, our monthly mortgage payment was {$770.00}. This month it has gone to {$940.00} when I called to find out what was going on I was told taxes in my county had gone up, our payments for two months would be {$940.00} then {$870.00} every month. Raising our payments $ 1300 yearly. I contacted our county regarding this ; our taxes in this county have not gone up for over a year and it certainly wouldn't make it XXXX more a year. I called Loancare and asked to speak with a supervisor XXXX told me the same story until I told him I had contacted the auditor and this was untrue ; then it became and " estimation '' of what taxes we could pay in the future but we would have to pay now. When I declined we are not paying for an estimation we are not using it became we owe " back taxes '' they weren't pulling out our taxes and now we needed to pay that. When I asked what happened to the money we were paying the taxes with they " needed more ' even thought they were never raised. I tried to make a payment in the amount of {$770.00} until this was sorted out is not able to online or automated payment phone system requires the full amount. I tried to pay over the phone with an agent was told they don't accept partial payments and there is a {$15.00} dollar over the phone fee plus now a {$10.00} late fee making our payment {$980.00} due now. They have no basis for this increase and every story they have given me is untrue now my mortgage is going to be late.
Product: Debt collection

This medical bill should have been paid. At the time of service I had  XXXX  and  XXXX  for health insurance. It 's also being reported wrong. The service was done  in 2011 and  should be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

Dear, XXXX XXXX this is my XXXX attempt to you concerning a late payment that is not being reported to my credit report correctly there will not be a XXXX letter to this company regarding the late payment.Late payments are illegal according to 15 u.s.c 6802 ( b ) Opt out A financial institution may not disclose nonpublic personal information to a non affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was given none of this i still have yet to receive a bill in the mail which i have asked for several times from this company despite affidavits being sent to this company gone unanswered.You are now willfully and knowingly continuing to report inaccurate information on my credit report which is a crime according to 15 u.s.c. 1681q obtaining information under false pretenses -Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.

I demand that you supply the name of the person responding to this letter and also the name of the person that is responsible for furnishing the inaccurate information to my report or adjust the late payment to paid never late.Best regards
Product: Mortgage

When I purchased my home in XXXX, I used a loan program for XXXX XXXX that was administered by the State of Maryland. The loan servicer was XXXX and I had no issues. In XXXX or XXXX the loan was sold to Amerinat. The problems began shortly after. They created several payment issues with their mismanagement of payments and paperwork. Their customer service line has 60 minute+ wait times making impossible to speak to anyone. 
On XX/XX/XXXX @ XXXX XXXX, I submitted a payment with extra principle that would pay down my loan. Nearly 2 weeks later on XX/XX/XXXX, the amount had not shown up as a credit to my account. I also noticed an additional automatic payment was debited for a loan that should have a XXXX balance. 
I emailed Amerinat to get an explanation. They claimed my funds were being held in an " unapplied account '' and wasn't credited to my loan because their company policy was that I had to ask for a payoff amount in writing prior to making a payment. They continued to charge me interest despite holding my payoff in a random account I didn't authorize. They also made no attempt to notify me of any payment issue. In fact, the email I got after submitting the payment would lead any reasonable person to believe the money was accepted and applied to the account. 
Amerinat makes every effort to make the payment of loans as difficult as possible. They recently added {$120.00} in fees to payoff the loan without explaining what the fees were for and how they are legally allowed to charge them. They also will only accept a final payment in a certified cashiers check or money order via US Mail. They have not explained why they can't debit my bank account directly like they have in every other payment.
Product: Money transfer, virtual currency, or money service

1 ) Using their app I attempted to convert one currency ( Graph ) into another currency ( Ethereum ).

2 ) The app confirmed my transaction as Graph into Ethereum and I approved.

3 ) After the conversion, I get a notification that rather than converting my Graph into Ethereum, the system converted ALL of my Bitcoin into Ethereum. This was an unapproved, errant transaction.

4 ) I contacted customer support and for a week only received boiler plate responses that they are looking into the issue. Despite my attempts to reach them, they never actually sent a REAL response.

5 ) I filed a complaint with the BBB and then suddenly I received a response from Coinbase stating the following : Hi XXXX, Thanks for reaching out. Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update.

Thank you for your patience.

Kind regards, Coinbase Support ref : XXXX : ref 6 ) At this time, my Coinbase account was frozen and I was no longer able to access it. I was NEVER notified that the account was being disabled/frozen.

7 ) I have requested information from them five times since and have not had any sort of response whatsoever. 

Ergo -- my complaint is not only for the initial, errant conversion of my assets, but for the freezing of my account/assets without notification. Their lack of communication is infuriating and if I were to guess, illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 7 years 7 months 26 days XXXX XXXX, XXXX : XXXX View account details Account status Age of Account Late payments Closed 4 years 5 months 5 days XXXX XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 12 years 1 month 16 days 3 FCRA violations : inquires not mine XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX  Dispute this Address Date of inquiry XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Checking or savings account

Deposited XXXX checks this week, they put them both on a 10 day hold. I have a perfect record with the bank and have excellent credit, why does the bank have the right to hold the checks for 10 days? Shouldn't there be a limit?
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX. Owned : {$2600.00} XXXX XXXX XXXX. Owned : {$3900.00} XXXX XXXX XXXX XXXX. Owned : {$1100.00} XXXX XXXX XXXX  Bal. Owned : {$990.00} XXXX XXXX XXXX Bal. Owned : {$2300.00} XXXX XXXXXXXX XXXX  XXXX XXXX. Owned : {$990.00} XXXX XXXX XXXX Bal. Owned : {$2600.00} XXXX XXXX XXXX. Owned : {$3900.00}
Product: Credit reporting or other personal consumer reports

I have provided all credit reporting agency and the collection company proof of payment and receipt and this has still not been corrected and removed. I am now demanding correction of this removal with in XXXX days, if this is not completed I will file legal repercussions. I am aware that the damages they are causing me is in violation of 15 usc 1681 n Civil liability for willful non compliance. Each violation under this section could be a XXXX fine. Remove this immediately,,,,
Product: Credit reporting or other personal consumer reports

TransUnion is furnishing unauthorize accounts on my credit report without my written consent or my knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell behind in making payments to Citi Cards. We negotiated a mutually acceptable payment plan in which they will auto draft an amount every month from my checking account. The account is closed and the monthly payments will pay off the balance in full. 

Their records continue to show the old minimum amount due, which is not correct. The old minimum amount due is a higher amount than the amount that will actually be deducted from my account. The minimum amount due should be the same amount that will be deducted from my bank account, not some higher amount that will continue to show as past due. 

They have indicated they can not change the original minimum amount due, even though there now is a new minimum amount due, which they will be auto drafting from my bank account. They say they will be reporting the old minimum amount due as " past due '' every month to the credit bureaus. 

They should not be further damaging my credit standing by continuing to report the old minimum payment amount as past due, when they have agreed to a payment plan that will pay off the balance in full.
Product: Debt collection

I'm disputing a charge with portfolio recovery the previous owner of the dept was jcpenny the account closed XX/XX/XXXX. XXXX XXXX   purchased it in XX/XX/XXXX. The debt was not on my credit report because it was closed. XXXX  has never tried to contact me. but I went to but once in XX/XX/XXXX by mail saying they were garnishing my state taxes. when I went to the court it had paper work that they had sent me letters and hand delivered me paper work in the XX/XX/XXXXwhich I never received. I spoken with them recently because I had another balance which I paid off and one I'm paying on. I believe that they are prying on me for a debt that is long pass over due and reached the statue of limitation in Michigan after 6 years and they purchased it too late now they are trying to harass me for an out dated balance. I also made an agreement with jcpenny when they were the original creditors but when I spoke to them they stated they no longer can disscuss or have the records id have to contact XXXX XXXX. account number XXXX address XXXX XXXX XXXX mi XXXX. if you can assist me with this matter I would kindly appreciate it. thank you XXXX ) XXXX. {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX 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 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas, XXXX XX/XX/year> Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation.

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the XXXX timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I sent a letter and among other issues asked that inaccurate late pay information be removed from the payment history on a mortgage I had with XXXX # XXXX. They deleted the ENTIRE trade line instead!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect and fraudulent information on my credit report. I have never opened an account with XXXX XXXX XXXX or never entered into any agreement or contract. 
Please remove information from my credit file. ( Experian, XXXX XXXX ) Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file [ FCRA 623 ( a ) ( 6 ) ( B ) ]
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, XXXX XXXX closed my account [ Account Number ]. Despite the account being closed, they continue to report late payments for XXXX, XXXX, XXXX, XXXX, and XX/XX/year> on my credit reports. This is inaccurate and misleading, as no payments were due after the account closure date. 

Additionally, XXXX XXXX has failed to issue a 1099-C Cancellation of Debt, which is required under IRS regulations if the debt was canceled or written off. The absence of a 1099-C raises questions about the legitimacy of the charge-off status and whether XXXX XXXX has properly handled this account. 

Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), XXXX  XXXX and the credit bureaus are required to ensure the maximum accuracy of the information they report. Reporting late payments for months after the account was closed violates this requirement and damages my creditworthiness. 

I have previously disputed this matter with the credit bureaus and XXXX XXXX, but the issue remains unresolved. XXXX XXXX has failed to correct its reporting, validate the debt, or provide evidence that payments were due after the account closure date.
Product: Mortgage

In XXXX, I had a complaint against XXXX XXXX XXXX ; filed a complaint and had my problem resolved and I have a letter from XXXX  XXXX XXXX to forgive me of the HELOC XXXX along with a Identmification Lost Note Affidavit. Because my lender has changed three times and have not removed the second mortgage, they sold my loan to another lender company ( XXXX XXXX ) who did not enter me into their system correctly and are trying to collect the money that needs to be removed. Since then, my loan was sent to a collector, who sold my loan to a third party and is holding my home. While these deals are being made, I have submitted a claim with my lender before they filed chapter XXXX and sold my loan. To date, I need my 2nd mortgage removed and remain with my first mortgage and work with my new lender, XXXX XXXX. 

According to bankruptcy payment, I payed XXXX, which is to be applied to my first mortgage. Currently, as of XX/XX/XXXX, I am 6 payments behind. However, if they apply my XXXX towards my principle interest for my first mortgage, I will not be behind and my 2 nd mortgage will finally be removed. Because mortgage companies can sell your loan based on numbers, they do not realize that the individuals may have circumstances that can repair their account. Outside collection agencies, do not have the ability to see arrangements that were made and they take advantage of the accounts because of " greed. '' According to a XXXX XXXX Rep in XXXX, I was told that my loan was sold to a private investor which is why I was able to get this resolved by XXXX XXXX XXXX. Since then, I have discovered through an attorney that my name may be attached to other properties, so I have concerns that their may be some frauderalant activities involved ( please see attch ). I currently have a complaint with AG and working with attorney. Because I was involved with a claim which was involved with litigation, I need to have sale espunged because note was not legally transferred due to affidavit.
Product: Credit card

I made a payment at the beginning of XXXX of 2023. Capital One charged me a late fee of {$28.00}. I have attached a screenshot showing that I attempted to make the payment on XX/XX/XXXX, but they still charged me the laste fee anyway. I attempted to call land resolve the issue and the rep said that if I continued to engage in free speech that he would end the call.
Product: Mortgage

in XX/XX/2023, I received a letter from Rushmore loan servicing about updating my homeowners insurance policy ; I live in a condo so I provided the condo association master policy ; the letter I received mentioned either the COA Master Policy or my XXXX ; via the methods described in the letter I provided the updated Condo Association master policy ; and later recieved confirmation that my insurance policy was verified and sufficient coverage was confirmed. on XX/XX/2023 I receivd another letter from Rushmore requiring insurance information from me and threatening to buy very expensive homeowners insurance if I did not provide the insurance information they required! 
I spoke with an agent who said she was able to locate the condo master policy but they also needed my XXXX! even the XXXX letter mentioned either the condo master policy or XXXX! 
I believe Rushmore is trying to force me to buy expensive homeowners insurance on purpose that's why they denied receiving insurance information from me or accepting that the proof of insurance I already sent them in XX/XX/2023 was sufficient!
Product: Credit reporting or other personal consumer reports

Complaint Against : TransUnion XXXX XXXX XXXX of Complaint : Violation of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate personal information ( incorrect names and addresses ). 

Description of Complaint : I am filing this complaint against TransUnion, XXXX, and XXXX for reporting inaccurate personal information on my credit report. Specifically, they have listed incorrect names and addresses that are not associated with me. This incorrect information violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must maintain accurate and complete information in consumer credit reports. 

Under FCRA 611 ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputed information and correct or delete any information that can not be verified as accurate within 30 days of receiving a dispute. Despite my previous disputes regarding these inaccuracies, the agencies have failed to remove the incorrect names and addresses, which continue to appear on my credit report. 

Correct Information to be Reported : Name : XXXX XXXX Address : XXXX XXXX XXXX  XXXX, TX XXXX
Product: Student loan

I just completed a 5 year bankruptcy plan. I successfully repaid my plan as of  XXXX    XXXX  . I am divorced and a single mom with full legal and physical custody of  XXXX  children. I want to pay my loans back however the monthly allocation of  XXXX  is high. I would like to negotiate taking off the interest that accrued during my bankruptcy to make the payments easier. I am currently throug h ACS and  their communication is only to manage through deferment or forebearance which I am not interested in. I have asked for the lender and discovered it is   XXXX   XXXX   XXXX   XXXX   XXXX   . Yet I call and email them and they do n't have me as a customer. Can you help me as I do n't know how t o reach out and try to resolve this with the lenders?
Product: Credit reporting or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX # XXXX OPENED : XX/XX/XXXX XXXX. {$21000.00} XXXX XXXX XXXX # XXXX OPENED : XXXX XXXX. {$1700.00} THE XXXX XXXX ( XXXX ) XXXX OPENED : XX/XX/XXXX XXXX. {$1300.00} XXXX ( XXXX XXXX ) # XXXX OPENED : XX/XX/XXXX XXXX. {$860.00}